Home > Preferred Bank > Performance and Condition Ratios
Preferred Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 2,445 |
| Cost of funding earning assets | 1.6153% | 1,652 |
| Net interest margin | 3.2004% | 2,875 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.9788% | 1,153 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2149% | 4,149 |
| Return on assets (ROA) | 0.2149% | 4,162 |
| Pretax return on assets | 0.2149% | 4,184 |
| Return on Equity (ROE) | 2.7800% | 4,054 |
| Retained earnings to average equity (ytd only) | 0.6361% | 3,922 |
| Net charge-offs to loans | 0.0022% | 2,728 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 671 |
| Efficiency ratio | 92.1652% | 360 |
| Assets per employee ($millions) | 4.4381% | 3,984 |
| Cash dividends to net income (ytd only)* | 77.1429% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 4,158 |
| Loan loss allowance to noncurrent loans | 188.4146% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 1,979 |
| Noncurrent loans to loans | 0.3573% | 1,913 |
| Net loans and leases to total assets | 68.4700% | 1,980 |
| Net loans and leases to deposits | 76.4862% | 2,405 |
| Net loans and leases to core deposits | 82.3577% | 2,560 |
| Total domestic deposits to total assets | 89.5300% | 898 |
| Equity capital to assets | 7.6398% | 3,634 |
| Core capital (leverage) ratio | 8.7393% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6152% | 2,377 |
| Memoranda: | ||
| Average total assets | $65,160,400 | 4,165 |
| Average earning assets | $59,680,400 | 4,141 |
| Average equity | $5,031,000 | 4,260 |
| Average total loans | $44,543,400 | 3,922 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 2,519 |
| Cost of funding earning assets | 1.4447% | 1,750 |
| Net interest margin | 3.2332% | 2,841 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.9564% | 1,129 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.2695% | 4,153 |
| Return on assets (ROA) | 0.2695% | 4,153 |
| Pretax return on assets | 0.2695% | 4,191 |
| Return on Equity (ROE) | 3.4800% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.3484% | 3,432 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.9249% | 379 |
| Assets per employee ($millions) | 3.8824% | 4,207 |
| Cash dividends to net income (ytd only)* | 3.8168% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 4,178 |
| Loan loss allowance to noncurrent loans | 201.9231% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,067 |
| Noncurrent loans to loans | 0.3324% | 2,038 |
| Net loans and leases to total assets | 70.6400% | 1,751 |
| Net loans and leases to deposits | 79.3894% | 2,107 |
| Net loans and leases to core deposits | 85.9030% | 2,193 |
| Total domestic deposits to total assets | 88.9800% | 1,262 |
| Equity capital to assets | 7.4455% | 3,385 |
| Core capital (leverage) ratio | 8.9194% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2304% | 2,190 |
| Memoranda: | ||
| Average total assets | $64,807,500 | 4,181 |
| Average earning assets | $59,341,250 | 4,163 |
| Average equity | $5,017,250 | 4,274 |
| Average total loans | $44,205,750 | 3,941 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,594 |
| Cost of funding earning assets | 1.1634% | 2,098 |
| Net interest margin | 3.3579% | 2,620 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 3.0337% | 987 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.2174% | 4,257 |
| Return on assets (ROA) | 0.2174% | 4,282 |
| Pretax return on assets | 0.2174% | 4,303 |
| Return on Equity (ROE) | 2.7700% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.5734% | 3,583 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.4630% | 342 |
| Assets per employee ($millions) | 4.4607% | 3,973 |
| Cash dividends to net income (ytd only)* | 7.1429% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 4,167 |
| Loan loss allowance to noncurrent loans | 206.4935% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 2,033 |
| Noncurrent loans to loans | 0.3421% | 1,907 |
| Net loans and leases to total assets | 66.8100% | 2,076 |
| Net loans and leases to deposits | 75.7229% | 2,338 |
| Net loans and leases to core deposits | 77.2767% | 2,671 |
| Total domestic deposits to total assets | 88.2300% | 1,520 |
| Equity capital to assets | 7.5339% | 3,497 |
| Core capital (leverage) ratio | 9.1327% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9042% | 2,657 |
| Memoranda: | ||
| Average total assets | $64,410,000 | 4,202 |
| Average earning assets | $58,965,000 | 4,189 |
| Average equity | $5,051,667 | 4,292 |
| Average total loans | $43,295,000 | 3,970 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 2,422 |
| Cost of funding earning assets | 0.8863% | 2,415 |
| Net interest margin | 3.5660% | 2,208 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.0589% | 983 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.3040% | 4,247 |
| Return on assets (ROA) | 0.3040% | 4,208 |
| Pretax return on assets | 0.3040% | 4,260 |
| Return on Equity (ROE) | 3.8000% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.4012% | 3,410 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.3418% | 448 |
| Assets per employee ($millions) | 3.9724% | 4,266 |
| Cash dividends to net income (ytd only)* | 10.4167% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,224 |
| Loan loss allowance to noncurrent loans | 198.0645% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 1,902 |
| Noncurrent loans to loans | 0.3605% | 1,856 |
| Net loans and leases to total assets | 67.1700% | 1,931 |
| Net loans and leases to deposits | 76.6776% | 2,066 |
| Net loans and leases to core deposits | 78.3393% | 2,367 |
| Total domestic deposits to total assets | 87.6000% | 2,058 |
| Equity capital to assets | 7.9738% | 3,258 |
| Core capital (leverage) ratio | 9.2386% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4420% | 2,201 |
| Memoranda: | ||
| Average total assets | $63,159,500 | 4,277 |
| Average earning assets | $57,767,500 | 4,266 |
| Average equity | $5,057,000 | 4,348 |
| Average total loans | $42,432,000 | 4,029 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 2,634 |
| Cost of funding earning assets | 0.5700% | 1,018 |
| Net interest margin | 3.0926% | 3,196 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.8642% | 1,186 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.2503% | 4,412 |
| Return on assets (ROA) | 0.2503% | 4,389 |
| Pretax return on assets | 0.2503% | 4,408 |
| Return on Equity (ROE) | 3.0100% | 4,291 |
| Retained earnings to average equity (ytd only) | 0.9228% | 4,215 |
| Net charge-offs to loans | 0.0075% | 2,119 |
| Credit loss provision to net charge-offs | 766.6667% | 508 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,246 |
| Efficiency ratio | 90.9136% | 279 |
| Assets per employee ($millions) | 3.6918% | 4,386 |
| Cash dividends to net income (ytd only)* | 69.3750% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 4,261 |
| Loan loss allowance to noncurrent loans | 158.5227% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 1,751 |
| Noncurrent loans to loans | 0.4204% | 1,666 |
| Net loans and leases to total assets | 66.2600% | 2,007 |
| Net loans and leases to deposits | 72.1208% | 2,398 |
| Net loans and leases to core deposits | 73.6196% | 2,598 |
| Total domestic deposits to total assets | 91.8800% | 672 |
| Equity capital to assets | 8.0400% | 3,038 |
| Core capital (leverage) ratio | 9.4046% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $63,926,200 | 4,295 |
| Average earning assets | $58,592,400 | 4,281 |
| Average equity | $5,310,200 | 4,402 |
| Average total loans | $39,899,000 | 4,066 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 2,630 |
| Cost of funding earning assets | 0.5137% | 703 |
| Net interest margin | 2.9829% | 3,262 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.8213% | 1,205 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.2304% | 4,447 |
| Return on assets (ROA) | 0.2304% | 4,411 |
| Pretax return on assets | 0.2304% | 4,436 |
| Return on Equity (ROE) | 2.7500% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.6252% | 3,881 |
| Net charge-offs to loans | 0.0203% | 1,428 |
| Credit loss provision to net charge-offs | 66.6667% | 1,466 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,735 |
| Efficiency ratio | 92.1981% | 273 |
| Assets per employee ($millions) | 4.0344% | 4,303 |
| Cash dividends to net income (ytd only)* | 4.5045% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 4,367 |
| Loan loss allowance to noncurrent loans | 177.9310% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 2,025 |
| Noncurrent loans to loans | 0.3447% | 1,993 |
| Net loans and leases to total assets | 69.0900% | 1,560 |
| Net loans and leases to deposits | 75.3854% | 1,927 |
| Net loans and leases to core deposits | 76.4091% | 2,169 |
| Total domestic deposits to total assets | 91.6400% | 996 |
| Equity capital to assets | 8.3019% | 2,677 |
| Core capital (leverage) ratio | 9.5376% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7743% | 2,140 |
| Memoranda: | ||
| Average total assets | $64,224,750 | 4,324 |
| Average earning assets | $58,912,000 | 4,311 |
| Average equity | $5,383,500 | 4,428 |
| Average total loans | $39,407,250 | 4,094 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 2,866 |
| Cost of funding earning assets | 0.4917% | 539 |
| Net interest margin | 2.7709% | 3,523 |
| Noninterest income to average assets | 0.3483% | 3,066 |
| Noninterest expense to average assets | 2.6611% | 1,479 |
| Loan and lease loss provision to assets | -0.0061% | 4,382 |
| Net operating income to assets | 0.2414% | 4,372 |
| Return on assets (ROA) | 0.2414% | 4,335 |
| Pretax return on assets | 0.2414% | 4,359 |
| Return on Equity (ROE) | 2.8710% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.6893% | 3,553 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8776% | 347 |
| Assets per employee ($millions) | 3.8864% | 4,419 |
| Cash dividends to net income (ytd only)* | 6.3291% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 4,445 |
| Loan loss allowance to noncurrent loans | 163.2911% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 2,043 |
| Noncurrent loans to loans | 0.3788% | 2,005 |
| Net loans and leases to total assets | 66.6549% | 1,617 |
| Net loans and leases to deposits | 72.7388% | 1,978 |
| Net loans and leases to core deposits | 74.7727% | 2,108 |
| Total domestic deposits to total assets | 91.6360% | 984 |
| Equity capital to assets | 8.2370% | 2,953 |
| Core capital (leverage) ratio | 9.0767% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9725% | 2,073 |
| Memoranda: | ||
| Average total assets | $65,461,000 | 4,347 |
| Average earning assets | $60,197,333 | 4,352 |
| Average equity | $5,503,333 | 4,465 |
| Average total loans | $38,521,000 | 4,163 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0425% | 3,129 |
| Cost of funding earning assets | 0.4845% | 538 |
| Net interest margin | 2.5581% | 3,765 |
| Noninterest income to average assets | 0.2981% | 3,334 |
| Noninterest expense to average assets | 2.4918% | 1,901 |
| Loan and lease loss provision to assets | -0.1013% | 4,604 |
| Net operating income to assets | 0.2683% | 4,202 |
| Return on assets (ROA) | 0.2683% | 4,170 |
| Pretax return on assets | 0.2683% | 4,232 |
| Return on Equity (ROE) | 3.1612% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.8100% | 3,332 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7220% | 392 |
| Assets per employee ($millions) | 5.1421% | 3,634 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,450 |
| Loan loss allowance to noncurrent loans | 159.2105% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 1,773 |
| Noncurrent loans to loans | 0.4144% | 2,008 |
| Net loans and leases to total assets | 54.5081% | 2,691 |
| Net loans and leases to deposits | 59.4783% | 2,957 |
| Net loans and leases to core deposits | 61.0192% | 3,062 |
| Total domestic deposits to total assets | 91.6436% | 729 |
| Equity capital to assets | 8.2622% | 3,355 |
| Core capital (leverage) ratio | 8.5042% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6614% | 1,930 |
| Memoranda: | ||
| Average total assets | $67,100,000 | 4,353 |
| Average earning assets | $61,922,000 | 4,348 |
| Average equity | $5,694,000 | 4,495 |
| Average total loans | $36,928,500 | 4,210 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 3,255 |
| Cost of funding earning assets | 0.6723% | 364 |
| Net interest margin | 2.6132% | 4,029 |
| Noninterest income to average assets | 0.3145% | 3,526 |
| Noninterest expense to average assets | 2.5280% | 2,099 |
| Loan and lease loss provision to assets | -0.0454% | 4,329 |
| Net operating income to assets | 0.2487% | 4,483 |
| Return on assets (ROA) | 0.2487% | 4,500 |
| Pretax return on assets | 0.2487% | 4,529 |
| Return on Equity (ROE) | 2.8684% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.3498% | 4,162 |
| Net charge-offs to loans | 0.1876% | 519 |
| Credit loss provision to net charge-offs | -43.6620% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.9577% | 2,597 |
| Efficiency ratio | 92.5549% | 259 |
| Assets per employee ($millions) | 5.1810% | 3,569 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 4,423 |
| Loan loss allowance to noncurrent loans | 239.8148% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 2,219 |
| Noncurrent loans to loans | 0.2905% | 2,550 |
| Net loans and leases to total assets | 54.8142% | 2,750 |
| Net loans and leases to deposits | 60.1110% | 3,061 |
| Net loans and leases to core deposits | 61.6612% | 3,195 |
| Total domestic deposits to total assets | 91.1882% | 423 |
| Equity capital to assets | 8.7079% | 3,876 |
| Core capital (leverage) ratio | 8.6305% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7061% | 1,973 |
| Memoranda: | ||
| Average total assets | $68,353,200 | 4,353 |
| Average earning assets | $63,217,600 | 4,346 |
| Average equity | $5,926,600 | 4,535 |
| Average total loans | $37,846,800 | 4,234 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3434% | 3,269 |
| Cost of funding earning assets | 0.7208% | 344 |
| Net interest margin | 2.6226% | 4,100 |
| Noninterest income to average assets | 0.2740% | 3,782 |
| Noninterest expense to average assets | 2.5946% | 1,853 |
| Loan and lease loss provision to assets | -0.0685% | 4,518 |
| Net operating income to assets | 0.1730% | 4,648 |
| Return on assets (ROA) | 0.1730% | 4,666 |
| Pretax return on assets | 0.1730% | 4,681 |
| Return on Equity (ROE) | 1.9970% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.8400% | 4,236 |
| Net charge-offs to loans | -0.0316% | 4,153 |
| Credit loss provision to net charge-offs | 388.8889% | 871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1123% | 195 |
| Assets per employee ($millions) | 5.5108% | 3,188 |
| Cash dividends to net income (ytd only)* | 7.8652% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,277 |
| Loan loss allowance to noncurrent loans | 202.4096% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 1,468 |
| Noncurrent loans to loans | 0.4196% | 2,305 |
| Net loans and leases to total assets | 59.3129% | 2,340 |
| Net loans and leases to deposits | 65.1837% | 2,715 |
| Net loans and leases to core deposits | 66.6118% | 2,901 |
| Total domestic deposits to total assets | 90.9934% | 371 |
| Equity capital to assets | 8.9900% | 3,842 |
| Core capital (leverage) ratio | 8.3086% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2730% | 2,268 |
| Memoranda: | ||
| Average total assets | $68,603,250 | 4,409 |
| Average earning assets | $63,447,250 | 4,398 |
| Average equity | $5,942,000 | 4,601 |
| Average total loans | $38,014,000 | 4,289 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 3,165 |
| Cost of funding earning assets | 0.7467% | 368 |
| Net interest margin | 2.6601% | 4,061 |
| Noninterest income to average assets | 0.2621% | 3,824 |
| Noninterest expense to average assets | 2.5465% | 2,010 |
| Loan and lease loss provision to assets | -0.0835% | 4,591 |
| Net operating income to assets | 0.2621% | 4,570 |
| Return on assets (ROA) | 0.2621% | 4,586 |
| Pretax return on assets | 0.2621% | 4,622 |
| Return on Equity (ROE) | 3.0635% | 4,463 |
| Retained earnings to average equity (ytd only) | 2.8278% | 3,896 |
| Net charge-offs to loans | -0.0373% | 4,245 |
| Credit loss provision to net charge-offs | 414.2857% | 747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4461% | 265 |
| Assets per employee ($millions) | 4.9574% | 3,694 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,157 |
| Loan loss allowance to noncurrent loans | 225.1656% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 1,774 |
| Noncurrent loans to loans | 0.3990% | 2,478 |
| Net loans and leases to total assets | 54.0329% | 3,128 |
| Net loans and leases to deposits | 59.0939% | 3,459 |
| Net loans and leases to core deposits | 60.3191% | 3,598 |
| Total domestic deposits to total assets | 91.4357% | 243 |
| Equity capital to assets | 8.5427% | 4,165 |
| Core capital (leverage) ratio | 8.2307% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5431% | 2,148 |
| Memoranda: | ||
| Average total assets | $69,428,000 | 4,432 |
| Average earning assets | $64,283,000 | 4,414 |
| Average equity | $5,941,000 | 4,626 |
| Average total loans | $37,499,000 | 4,328 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0910% | 3,903 |
| Cost of funding earning assets | 0.7899% | 374 |
| Net interest margin | 2.3011% | 4,520 |
| Noninterest income to average assets | 0.2535% | 3,882 |
| Noninterest expense to average assets | 2.4827% | 2,227 |
| Loan and lease loss provision to assets | -0.2016% | 4,812 |
| Net operating income to assets | 0.1037% | 4,710 |
| Return on assets (ROA) | 0.1037% | 4,721 |
| Pretax return on assets | 0.1037% | 4,730 |
| Return on Equity (ROE) | 1.2107% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.7399% | 4,260 |
| Net charge-offs to loans | -0.0214% | 4,026 |
| Credit loss provision to net charge-offs | 1,750.0000% | 270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1063% | 147 |
| Assets per employee ($millions) | 4.6964% | 3,927 |
| Cash dividends to net income (ytd only)* | 38.8889% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,239 |
| Loan loss allowance to noncurrent loans | 134.8361% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 1,599 |
| Noncurrent loans to loans | 0.6469% | 1,950 |
| Net loans and leases to total assets | 53.0719% | 3,338 |
| Net loans and leases to deposits | 57.9616% | 3,647 |
| Net loans and leases to core deposits | 58.6932% | 3,790 |
| Total domestic deposits to total assets | 91.5638% | 229 |
| Equity capital to assets | 8.4135% | 4,191 |
| Core capital (leverage) ratio | 7.9284% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3242% | 2,860 |
| Memoranda: | ||
| Average total assets | $69,440,000 | 4,445 |
| Average earning assets | $64,316,000 | 4,431 |
| Average equity | $5,947,000 | 4,641 |
| Average total loans | $37,328,000 | 4,347 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 2,416 |
| Cost of funding earning assets | 1.0298% | 531 |
| Net interest margin | 3.0722% | 3,696 |
| Noninterest income to average assets | 0.2927% | 3,729 |
| Noninterest expense to average assets | 3.0535% | 1,322 |
| Loan and lease loss provision to assets | -0.2097% | 4,983 |
| Net operating income to assets | 0.2598% | 4,490 |
| Return on assets (ROA) | 0.2598% | 4,554 |
| Pretax return on assets | 0.2598% | 4,594 |
| Return on Equity (ROE) | 2.8389% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.4023% | 4,066 |
| Net charge-offs to loans | 0.0770% | 1,714 |
| Credit loss provision to net charge-offs | -432.2581% | 3,905 |
| Earnings coverage of net charge-offs (x) | 1.0323% | 3,289 |
| Efficiency ratio | 98.3863% | 194 |
| Assets per employee ($millions) | 4.5623% | 3,859 |
| Cash dividends to net income (ytd only)* | 50.6024% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,942 |
| Loan loss allowance to noncurrent loans | 211.6959% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 2,037 |
| Noncurrent loans to loans | 0.4629% | 2,576 |
| Net loans and leases to total assets | 53.4500% | 3,539 |
| Net loans and leases to deposits | 62.5918% | 3,565 |
| Net loans and leases to core deposits | 63.1875% | 3,758 |
| Total domestic deposits to total assets | 85.3947% | 2,615 |
| Equity capital to assets | 8.7194% | 4,280 |
| Core capital (leverage) ratio | 8.4404% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4921% | 2,056 |
| Memoranda: | ||
| Average total assets | $63,894,600 | 4,461 |
| Average earning assets | $58,459,000 | 4,460 |
| Average equity | $5,847,400 | 4,659 |
| Average total loans | $40,269,000 | 4,305 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,238 |
| Cost of funding earning assets | 1.0968% | 546 |
| Net interest margin | 3.1577% | 3,603 |
| Noninterest income to average assets | 0.2910% | 3,744 |
| Noninterest expense to average assets | 2.8701% | 1,770 |
| Loan and lease loss provision to assets | 0.0876% | 3,214 |
| Net operating income to assets | 0.2146% | 4,568 |
| Return on assets (ROA) | 0.2146% | 4,611 |
| Pretax return on assets | 0.2146% | 4,645 |
| Return on Equity (ROE) | 2.3148% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.3148% | 3,821 |
| Net charge-offs to loans | 0.1071% | 1,263 |
| Credit loss provision to net charge-offs | 124.2424% | 2,473 |
| Earnings coverage of net charge-offs (x) | 4.3030% | 2,837 |
| Efficiency ratio | 90.4889% | 353 |
| Assets per employee ($millions) | 4.4081% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 1,955 |
| Loan loss allowance to noncurrent loans | 56.0797% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 327 |
| Noncurrent loans to loans | 2.4074% | 452 |
| Net loans and leases to total assets | 59.1234% | 3,310 |
| Net loans and leases to deposits | 69.6547% | 3,341 |
| Net loans and leases to core deposits | 70.3440% | 3,602 |
| Total domestic deposits to total assets | 84.8807% | 2,487 |
| Equity capital to assets | 9.0455% | 4,084 |
| Core capital (leverage) ratio | 8.6919% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,759,750 | 4,490 |
| Average earning assets | $57,254,750 | 4,494 |
| Average equity | $5,817,500 | 4,685 |
| Average total loans | $41,101,250 | 4,317 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 2,175 |
| Cost of funding earning assets | 1.1859% | 526 |
| Net interest margin | 3.2265% | 3,591 |
| Noninterest income to average assets | 0.2985% | 3,680 |
| Noninterest expense to average assets | 2.8715% | 1,910 |
| Loan and lease loss provision to assets | 0.1071% | 2,939 |
| Net operating income to assets | 0.2596% | 4,491 |
| Return on assets (ROA) | 0.2596% | 4,533 |
| Pretax return on assets | 0.2596% | 4,578 |
| Return on Equity (ROE) | 2.7763% | 4,390 |
| Retained earnings to average equity (ytd only) | 2.7763% | 3,469 |
| Net charge-offs to loans | 0.1539% | 957 |
| Credit loss provision to net charge-offs | 103.1250% | 2,375 |
| Earnings coverage of net charge-offs (x) | 3.5313% | 2,672 |
| Efficiency ratio | 88.6774% | 426 |
| Assets per employee ($millions) | 4.0102% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,167 |
| Loan loss allowance to noncurrent loans | 50.3810% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.2256% | 293 |
| Noncurrent loans to loans | 2.5147% | 464 |
| Net loans and leases to total assets | 64.2504% | 2,851 |
| Net loans and leases to deposits | 76.0539% | 2,856 |
| Net loans and leases to core deposits | 76.0539% | 3,280 |
| Total domestic deposits to total assets | 84.4802% | 2,564 |
| Equity capital to assets | 9.2608% | 3,867 |
| Core capital (leverage) ratio | 9.1365% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,639,333 | 4,516 |
| Average earning assets | $56,160,667 | 4,528 |
| Average equity | $5,763,000 | 4,716 |
| Average total loans | $41,592,333 | 4,318 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 2,364 |
| Cost of funding earning assets | 1.3698% | 452 |
| Net interest margin | 3.1112% | 4,070 |
| Noninterest income to average assets | 0.2915% | 3,780 |
| Noninterest expense to average assets | 2.9282% | 2,049 |
| Loan and lease loss provision to assets | 0.1060% | 2,361 |
| Net operating income to assets | 0.0861% | 4,668 |
| Return on assets (ROA) | 0.0861% | 4,662 |
| Pretax return on assets | 0.0861% | 4,672 |
| Return on Equity (ROE) | 0.9165% | 4,640 |
| Retained earnings to average equity (ytd only) | 0.9165% | 3,767 |
| Net charge-offs to loans | -0.0193% | 4,326 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8429% | 377 |
| Assets per employee ($millions) | 3.5484% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,080 |
| Loan loss allowance to noncurrent loans | 30.8432% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 3.3652% | 151 |
| Noncurrent loans to loans | 4.2593% | 168 |
| Net loans and leases to total assets | 67.8696% | 2,565 |
| Net loans and leases to deposits | 74.9245% | 3,177 |
| Net loans and leases to core deposits | 74.9245% | 3,574 |
| Total domestic deposits to total assets | 90.5840% | 175 |
| Equity capital to assets | 9.3812% | 4,332 |
| Core capital (leverage) ratio | 9.2503% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7190% | 2,381 |
| Memoranda: | ||
| Average total assets | $60,377,500 | 4,552 |
| Average earning assets | $54,898,000 | 4,563 |
| Average equity | $5,673,500 | 4,762 |
| Average total loans | $41,511,500 | 4,338 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,793 |
| Cost of funding earning assets | 1.4057% | 556 |
| Net interest margin | 3.1397% | 4,307 |
| Noninterest income to average assets | 0.2933% | 3,931 |
| Noninterest expense to average assets | 3.0228% | 1,960 |
| Loan and lease loss provision to assets | 0.0152% | 3,710 |
| Net operating income to assets | 0.1096% | 4,919 |
| Return on assets (ROA) | 0.1096% | 4,938 |
| Pretax return on assets | 0.1096% | 4,939 |
| Return on Equity (ROE) | 1.1671% | 4,894 |
| Retained earnings to average equity (ytd only) | 1.1671% | 4,329 |
| Net charge-offs to loans | 0.1775% | 1,137 |
| Credit loss provision to net charge-offs | 12.3288% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.0137% | 3,573 |
| Efficiency ratio | 96.0364% | 209 |
| Assets per employee ($millions) | 3.5548% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,072 |
| Loan loss allowance to noncurrent loans | 33.1238% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.1159% | 166 |
| Noncurrent loans to loans | 3.8303% | 197 |
| Net loans and leases to total assets | 67.8614% | 2,698 |
| Net loans and leases to deposits | 74.9438% | 3,268 |
| Net loans and leases to core deposits | 74.9438% | 3,647 |
| Total domestic deposits to total assets | 90.5497% | 187 |
| Equity capital to assets | 9.4122% | 4,418 |
| Core capital (leverage) ratio | 9.3837% | 4,184 |
| Tier 1 risk-based capital ratio | 12.3659% | 4,148 |
| Total risk-based capital ratio | 13.5265% | 4,072 |
| Memoranda: | ||
| Average total assets | $59,315,600 | 4,606 |
| Average earning assets | $53,923,000 | 4,615 |
| Average equity | $5,569,400 | 4,819 |
| Average total loans | $41,124,800 | 4,385 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 2,900 |
| Cost of funding earning assets | 1.4109% | 561 |
| Net interest margin | 3.1372% | 4,420 |
| Noninterest income to average assets | 0.3071% | 3,905 |
| Noninterest expense to average assets | 3.0557% | 1,810 |
| Loan and lease loss provision to assets | -0.0474% | 5,120 |
| Net operating income to assets | 0.1513% | 4,983 |
| Return on assets (ROA) | 0.1513% | 4,999 |
| Pretax return on assets | 0.1513% | 5,013 |
| Return on Equity (ROE) | 1.6125% | 4,951 |
| Retained earnings to average equity (ytd only) | 1.6125% | 4,398 |
| Net charge-offs to loans | 0.0293% | 2,502 |
| Credit loss provision to net charge-offs | -233.3333% | 4,191 |
| Earnings coverage of net charge-offs (x) | 5.1108% | 2,949 |
| Efficiency ratio | 96.7119% | 190 |
| Assets per employee ($millions) | 3.4681% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,724 |
| Loan loss allowance to noncurrent loans | 36.5172% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 3.0395% | 185 |
| Noncurrent loans to loans | 3.7237% | 199 |
| Net loans and leases to total assets | 69.1487% | 2,600 |
| Net loans and leases to deposits | 76.5452% | 3,246 |
| Net loans and leases to core deposits | 76.5452% | 3,656 |
| Total domestic deposits to total assets | 90.3370% | 205 |
| Equity capital to assets | 9.6240% | 4,363 |
| Core capital (leverage) ratio | 9.3992% | 4,277 |
| Tier 1 risk-based capital ratio | 12.8369% | 3,933 |
| Total risk-based capital ratio | 14.0867% | 3,835 |
| Memoranda: | ||
| Average total assets | $59,036,500 | 4,672 |
| Average earning assets | $53,676,500 | 4,683 |
| Average equity | $5,539,750 | 4,884 |
| Average total loans | $41,021,750 | 4,442 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 2,961 |
| Cost of funding earning assets | 1.3854% | 565 |
| Net interest margin | 3.1321% | 4,482 |
| Noninterest income to average assets | 0.2878% | 4,015 |
| Noninterest expense to average assets | 3.0002% | 2,006 |
| Loan and lease loss provision to assets | -0.0474% | 5,174 |
| Net operating income to assets | 0.1829% | 5,010 |
| Return on assets (ROA) | 0.1829% | 5,018 |
| Pretax return on assets | 0.1829% | 5,032 |
| Return on Equity (ROE) | 1.9654% | 4,940 |
| Retained earnings to average equity (ytd only) | 1.9654% | 4,124 |
| Net charge-offs to loans | 0.0782% | 1,581 |
| Credit loss provision to net charge-offs | -87.5000% | 3,880 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,935 |
| Efficiency ratio | 95.6803% | 207 |
| Assets per employee ($millions) | 3.3727% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,859 |
| Loan loss allowance to noncurrent loans | 109.9804% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 1,040 |
| Noncurrent loans to loans | 1.2172% | 1,313 |
| Net loans and leases to total assets | 68.2238% | 2,783 |
| Net loans and leases to deposits | 75.2193% | 3,403 |
| Net loans and leases to core deposits | 75.2193% | 3,795 |
| Total domestic deposits to total assets | 90.6999% | 153 |
| Equity capital to assets | 9.2573% | 4,606 |
| Core capital (leverage) ratio | 9.5181% | 4,125 |
| Tier 1 risk-based capital ratio | 13.0952% | 3,790 |
| Total risk-based capital ratio | 14.3449% | 3,699 |
| Memoranda: | ||
| Average total assets | $59,063,000 | 4,704 |
| Average earning assets | $53,702,670 | 4,717 |
| Average equity | $5,495,000 | 4,922 |
| Average total loans | $40,919,000 | 4,478 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 2,683 |
| Cost of funding earning assets | 1.3539% | 544 |
| Net interest margin | 3.1995% | 4,386 |
| Noninterest income to average assets | 0.2679% | 4,082 |
| Noninterest expense to average assets | 3.0014% | 1,992 |
| Loan and lease loss provision to assets | -0.1030% | 5,292 |
| Net operating income to assets | 0.2747% | 4,928 |
| Return on assets (ROA) | 0.2747% | 4,938 |
| Pretax return on assets | 0.2747% | 4,982 |
| Return on Equity (ROE) | 2.9452% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.9452% | 3,754 |
| Net charge-offs to loans | 0.0099% | 2,334 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,441 |
| Efficiency ratio | 94.5887% | 257 |
| Assets per employee ($millions) | 3.2603% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,537 |
| Loan loss allowance to noncurrent loans | 144.3609% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 1,532 |
| Noncurrent loans to loans | 0.9982% | 1,673 |
| Net loans and leases to total assets | 67.1313% | 2,883 |
| Net loans and leases to deposits | 74.0958% | 3,441 |
| Net loans and leases to core deposits | 74.0958% | 3,790 |
| Total domestic deposits to total assets | 90.6007% | 254 |
| Equity capital to assets | 9.3567% | 4,380 |
| Core capital (leverage) ratio | 9.5018% | 4,129 |
| Tier 1 risk-based capital ratio | 13.2400% | 3,747 |
| Total risk-based capital ratio | 14.4907% | 3,654 |
| Memoranda: | ||
| Average total assets | $58,240,000 | 4,770 |
| Average earning assets | $52,882,500 | 4,782 |
| Average equity | $5,432,500 | 4,977 |
| Average total loans | $40,388,500 | 4,526 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 2,799 |
| Cost of funding earning assets | 1.1041% | 484 |
| Net interest margin | 3.2846% | 4,292 |
| Noninterest income to average assets | 0.2275% | 4,549 |
| Noninterest expense to average assets | 2.9088% | 2,318 |
| Loan and lease loss provision to assets | 0.2203% | 819 |
| Net operating income to assets | 0.1147% | 5,171 |
| Return on assets (ROA) | 0.1147% | 5,164 |
| Pretax return on assets | 0.1147% | 5,167 |
| Return on Equity (ROE) | 1.1791% | 5,141 |
| Retained earnings to average equity (ytd only) | 0.4117% | 4,874 |
| Net charge-offs to loans | 0.6211% | 273 |
| Credit loss provision to net charge-offs | 51.4894% | 3,171 |
| Earnings coverage of net charge-offs (x) | 0.7830% | 3,673 |
| Efficiency ratio | 89.6745% | 360 |
| Assets per employee ($millions) | 3.3997% | 4,658 |
| Cash dividends to net income (ytd only)* | 65.0794% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,456 |
| Loan loss allowance to noncurrent loans | 119.6356% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 1,231 |
| Noncurrent loans to loans | 1.2106% | 1,322 |
| Net loans and leases to total assets | 69.5804% | 2,633 |
| Net loans and leases to deposits | 76.7472% | 3,296 |
| Net loans and leases to core deposits | 76.7472% | 3,663 |
| Total domestic deposits to total assets | 90.6618% | 280 |
| Equity capital to assets | 9.2984% | 4,322 |
| Core capital (leverage) ratio | 9.5843% | 4,021 |
| Tier 1 risk-based capital ratio | 12.5789% | 4,086 |
| Total risk-based capital ratio | 13.8280% | 3,966 |
| Memoranda: | ||
| Average total assets | $54,936,800 | 4,858 |
| Average earning assets | $50,447,400 | 4,847 |
| Average equity | $5,343,200 | 4,997 |
| Average total loans | $37,837,800 | 4,614 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 3,044 |
| Cost of funding earning assets | 1.0356% | 510 |
| Net interest margin | 3.2431% | 4,422 |
| Noninterest income to average assets | 0.2188% | 4,653 |
| Noninterest expense to average assets | 2.8868% | 2,344 |
| Loan and lease loss provision to assets | 0.2213% | 749 |
| Net operating income to assets | 0.0984% | 5,255 |
| Return on assets (ROA) | 0.0984% | 5,250 |
| Pretax return on assets | 0.0984% | 5,254 |
| Return on Equity (ROE) | 0.9995% | 5,235 |
| Retained earnings to average equity (ytd only) | -0.0249% | 5,040 |
| Net charge-offs to loans | 0.7728% | 181 |
| Credit loss provision to net charge-offs | 41.8605% | 2,892 |
| Earnings coverage of net charge-offs (x) | 0.6047% | 3,400 |
| Efficiency ratio | 90.0307% | 323 |
| Assets per employee ($millions) | 2.7700% | 5,176 |
| Cash dividends to net income (ytd only)* | 102.5127% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,426 |
| Loan loss allowance to noncurrent loans | 70.6098% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7202% | 701 |
| Noncurrent loans to loans | 2.0932% | 686 |
| Net loans and leases to total assets | 69.6673% | 2,698 |
| Net loans and leases to deposits | 77.0467% | 3,318 |
| Net loans and leases to core deposits | 77.4394% | 3,700 |
| Total domestic deposits to total assets | 90.4222% | 373 |
| Equity capital to assets | 9.5164% | 4,066 |
| Core capital (leverage) ratio | 10.3653% | 3,217 |
| Tier 1 risk-based capital ratio | 13.2571% | 3,753 |
| Total risk-based capital ratio | 14.5078% | 3,666 |
| Memoranda: | ||
| Average total assets | $54,222,250 | 4,924 |
| Average earning assets | $49,951,250 | 4,911 |
| Average equity | $5,335,500 | 5,057 |
| Average total loans | $37,096,000 | 4,681 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 2,848 |
| Cost of funding earning assets | 0.9689% | 540 |
| Net interest margin | 3.3072% | 4,227 |
| Noninterest income to average assets | 0.2006% | 4,816 |
| Noninterest expense to average assets | 2.9203% | 2,291 |
| Loan and lease loss provision to assets | 0.2229% | 732 |
| Net operating income to assets | 0.1263% | 5,273 |
| Return on assets (ROA) | 0.1263% | 5,266 |
| Pretax return on assets | 0.1263% | 5,282 |
| Return on Equity (ROE) | 1.2694% | 5,245 |
| Retained earnings to average equity (ytd only) | -0.2614% | 4,992 |
| Net charge-offs to loans | 1.1922% | 106 |
| Credit loss provision to net charge-offs | 27.6498% | 2,641 |
| Earnings coverage of net charge-offs (x) | 0.4332% | 3,124 |
| Efficiency ratio | 89.3182% | 398 |
| Assets per employee ($millions) | 4.0966% | 3,735 |
| Cash dividends to net income (ytd only)* | 120.5882% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 1,046 |
| Loan loss allowance to noncurrent loans | 72.5828% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 851 |
| Noncurrent loans to loans | 2.2380% | 616 |
| Net loans and leases to total assets | 62.3160% | 3,563 |
| Net loans and leases to deposits | 69.2695% | 3,918 |
| Net loans and leases to core deposits | 69.6372% | 4,165 |
| Total domestic deposits to total assets | 89.9617% | 588 |
| Equity capital to assets | 9.9914% | 3,628 |
| Core capital (leverage) ratio | 10.3087% | 3,230 |
| Tier 1 risk-based capital ratio | 15.4170% | 2,682 |
| Total risk-based capital ratio | 16.6695% | 2,604 |
| Memoranda: | ||
| Average total assets | $53,830,000 | 4,984 |
| Average earning assets | $49,951,000 | 4,966 |
| Average equity | $5,356,670 | 5,098 |
| Average total loans | $36,403,330 | 4,740 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,109 |
| Cost of funding earning assets | 0.8871% | 642 |
| Net interest margin | 3.2473% | 4,319 |
| Noninterest income to average assets | 0.2365% | 4,590 |
| Noninterest expense to average assets | 2.8826% | 2,437 |
| Loan and lease loss provision to assets | 0.2217% | 707 |
| Net operating income to assets | 0.1626% | 5,279 |
| Return on assets (ROA) | 0.1626% | 5,275 |
| Pretax return on assets | 0.1626% | 5,294 |
| Return on Equity (ROE) | 1.6374% | 5,227 |
| Retained earnings to average equity (ytd only) | -1.4141% | 4,955 |
| Net charge-offs to loans | 2.1199% | 56 |
| Credit loss provision to net charge-offs | 15.0000% | 2,155 |
| Earnings coverage of net charge-offs (x) | 0.2600% | 2,646 |
| Efficiency ratio | 88.2353% | 524 |
| Assets per employee ($millions) | 3.8816% | 4,176 |
| Cash dividends to net income (ytd only)* | 186.3636% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,745 |
| Loan loss allowance to noncurrent loans | 68.9032% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.6470% | 808 |
| Noncurrent loans to loans | 2.0687% | 755 |
| Net loans and leases to total assets | 67.9566% | 2,774 |
| Net loans and leases to deposits | 75.3207% | 3,288 |
| Net loans and leases to core deposits | 75.7099% | 3,693 |
| Total domestic deposits to total assets | 90.2230% | 574 |
| Equity capital to assets | 9.7530% | 3,836 |
| Core capital (leverage) ratio | 10.3103% | 3,179 |
| Tier 1 risk-based capital ratio | 14.2846% | 3,234 |
| Total risk-based capital ratio | 15.5351% | 3,152 |
| Memoranda: | ||
| Average total assets | $54,117,000 | 5,036 |
| Average earning assets | $50,503,000 | 5,018 |
| Average equity | $5,374,500 | 5,153 |
| Average total loans | $37,737,500 | 4,757 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 1,928 |
| Cost of funding earning assets | 0.8607% | 460 |
| Net interest margin | 3.5746% | 3,250 |
| Noninterest income to average assets | 0.3064% | 4,268 |
| Noninterest expense to average assets | 3.0791% | 1,925 |
| Loan and lease loss provision to assets | 0.1656% | 1,330 |
| Net operating income to assets | 0.3692% | 4,787 |
| Return on assets (ROA) | 0.3692% | 4,804 |
| Pretax return on assets | 0.3654% | 5,128 |
| Return on Equity (ROE) | 3.5646% | 4,658 |
| Retained earnings to average equity (ytd only) | 0.4594% | 4,854 |
| Net charge-offs to loans | 0.5297% | 441 |
| Credit loss provision to net charge-offs | 44.3878% | 3,396 |
| Earnings coverage of net charge-offs (x) | 1.4235% | 3,887 |
| Efficiency ratio | 85.2926% | 687 |
| Assets per employee ($millions) | 4.4910% | 3,198 |
| Cash dividends to net income (ytd only)* | 87.1134% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8520% | 706 |
| Loan loss allowance to noncurrent loans | 68.2171% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 501 |
| Noncurrent loans to loans | 2.7149% | 453 |
| Net loans and leases to total assets | 69.2273% | 2,643 |
| Net loans and leases to deposits | 77.0365% | 3,226 |
| Net loans and leases to core deposits | 77.8466% | 3,597 |
| Total domestic deposits to total assets | 89.8631% | 617 |
| Equity capital to assets | 10.1110% | 3,586 |
| Core capital (leverage) ratio | 10.2410% | 3,137 |
| Tier 1 risk-based capital ratio | 14.1507% | 3,281 |
| Total risk-based capital ratio | 15.4069% | 3,181 |
| Memoranda: | ||
| Average total assets | $52,547,800 | 5,111 |
| Average earning assets | $48,565,400 | 5,094 |
| Average equity | $5,442,400 | 5,193 |
| Average total loans | $36,999,400 | 4,821 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 1,960 |
| Cost of funding earning assets | 0.7589% | 728 |
| Net interest margin | 3.6422% | 2,990 |
| Noninterest income to average assets | 0.3090% | 4,314 |
| Noninterest expense to average assets | 2.9009% | 2,411 |
| Loan and lease loss provision to assets | 0.1634% | 1,241 |
| Net operating income to assets | 0.6078% | 4,359 |
| Return on assets (ROA) | 0.6078% | 4,401 |
| Pretax return on assets | 0.6027% | 4,837 |
| Return on Equity (ROE) | 5.8325% | 4,196 |
| Retained earnings to average equity (ytd only) | 1.6909% | 4,751 |
| Net charge-offs to loans | 0.3338% | 626 |
| Credit loss provision to net charge-offs | 69.5652% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.2610% | 3,361 |
| Efficiency ratio | 79.1086% | 1,201 |
| Assets per employee ($millions) | 3.7735% | 4,333 |
| Cash dividends to net income (ytd only)* | 71.0081% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0836% | 488 |
| Loan loss allowance to noncurrent loans | 66.4975% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.3339% | 491 |
| Noncurrent loans to loans | 3.1333% | 387 |
| Net loans and leases to total assets | 69.9199% | 2,569 |
| Net loans and leases to deposits | 78.2386% | 3,138 |
| Net loans and leases to core deposits | 78.6584% | 3,573 |
| Total domestic deposits to total assets | 89.3676% | 717 |
| Equity capital to assets | 10.4526% | 3,421 |
| Core capital (leverage) ratio | 10.4286% | 3,054 |
| Tier 1 risk-based capital ratio | 14.5322% | 3,163 |
| Total risk-based capital ratio | 15.7918% | 3,072 |
| Memoranda: | ||
| Average total assets | $52,211,750 | 5,175 |
| Average earning assets | $48,138,500 | 5,162 |
| Average equity | $5,440,750 | 5,253 |
| Average total loans | $36,746,250 | 4,876 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,847 |
| Cost of funding earning assets | 0.8261% | 461 |
| Net interest margin | 3.5644% | 3,168 |
| Noninterest income to average assets | 0.3230% | 4,242 |
| Noninterest expense to average assets | 2.9074% | 2,401 |
| Loan and lease loss provision to assets | 0.1884% | 997 |
| Net operating income to assets | 0.5038% | 4,696 |
| Return on assets (ROA) | 0.5038% | 4,731 |
| Pretax return on assets | 0.4961% | 5,009 |
| Return on Equity (ROE) | 4.8396% | 4,541 |
| Retained earnings to average equity (ytd only) | -1.4039% | 5,275 |
| Net charge-offs to loans | 0.5052% | 386 |
| Credit loss provision to net charge-offs | 53.2609% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.9348% | 3,232 |
| Efficiency ratio | 80.9422% | 1,112 |
| Assets per employee ($millions) | 4.7715% | 2,688 |
| Cash dividends to net income (ytd only)* | 129.0076% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 506 |
| Loan loss allowance to noncurrent loans | 68.6554% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.1587% | 557 |
| Noncurrent loans to loans | 3.0668% | 418 |
| Net loans and leases to total assets | 68.2982% | 2,767 |
| Net loans and leases to deposits | 76.3791% | 3,297 |
| Net loans and leases to core deposits | 76.7898% | 3,701 |
| Total domestic deposits to total assets | 89.4200% | 753 |
| Equity capital to assets | 10.4009% | 3,456 |
| Core capital (leverage) ratio | 10.3299% | 3,105 |
| Tier 1 risk-based capital ratio | 15.0714% | 2,892 |
| Total risk-based capital ratio | 16.3301% | 2,829 |
| Memoranda: | ||
| Average total assets | $52,006,000 | 5,216 |
| Average earning assets | $47,694,000 | 5,201 |
| Average equity | $5,413,670 | 5,293 |
| Average total loans | $36,420,330 | 4,917 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 1,770 |
| Cost of funding earning assets | 0.8181% | 442 |
| Net interest margin | 3.5449% | 3,100 |
| Noninterest income to average assets | 0.3014% | 4,405 |
| Noninterest expense to average assets | 2.9440% | 2,316 |
| Loan and lease loss provision to assets | 0.2550% | 577 |
| Net operating income to assets | 0.3323% | 5,125 |
| Return on assets (ROA) | 0.3323% | 5,149 |
| Pretax return on assets | 0.3168% | 5,285 |
| Return on Equity (ROE) | 3.1905% | 5,047 |
| Retained earnings to average equity (ytd only) | -9.3489% | 5,561 |
| Net charge-offs to loans | 0.5947% | 300 |
| Credit loss provision to net charge-offs | 61.1111% | 1,899 |
| Earnings coverage of net charge-offs (x) | 1.3704% | 2,740 |
| Efficiency ratio | 83.7363% | 994 |
| Assets per employee ($millions) | 4.3276% | 3,460 |
| Cash dividends to net income (ytd only)* | 393.0233% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1793% | 492 |
| Loan loss allowance to noncurrent loans | 77.8214% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.9622% | 677 |
| Noncurrent loans to loans | 2.8004% | 517 |
| Net loans and leases to total assets | 68.5429% | 2,597 |
| Net loans and leases to deposits | 76.4612% | 3,139 |
| Net loans and leases to core deposits | 76.4612% | 3,610 |
| Total domestic deposits to total assets | 89.6440% | 829 |
| Equity capital to assets | 10.2694% | 3,447 |
| Core capital (leverage) ratio | 10.2479% | 3,199 |
| Tier 1 risk-based capital ratio | 14.9799% | 2,973 |
| Total risk-based capital ratio | 16.2401% | 2,895 |
| Memoranda: | ||
| Average total assets | $51,766,000 | 5,276 |
| Average earning assets | $46,940,500 | 5,273 |
| Average equity | $5,391,000 | 5,345 |
| Average total loans | $36,321,500 | 4,964 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 1,530 |
| Cost of funding earning assets | 0.7899% | 532 |
| Net interest margin | 3.7118% | 2,643 |
| Noninterest income to average assets | 0.2843% | 4,710 |
| Noninterest expense to average assets | 2.7414% | 3,219 |
| Loan and lease loss provision to assets | 0.2595% | 796 |
| Net operating income to assets | 0.7765% | 3,422 |
| Return on assets (ROA) | 0.7784% | 3,515 |
| Pretax return on assets | 0.5933% | 4,806 |
| Return on Equity (ROE) | 7.6265% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.1030% | 2,284 |
| Net charge-offs to loans | 0.1482% | 1,782 |
| Credit loss provision to net charge-offs | 251.8519% | 1,148 |
| Earnings coverage of net charge-offs (x) | 8.2593% | 2,896 |
| Efficiency ratio | 76.3144% | 1,933 |
| Assets per employee ($millions) | 3.9693% | 4,022 |
| Cash dividends to net income (ytd only)* | 33.0882% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2452% | 439 |
| Loan loss allowance to noncurrent loans | 77.8947% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.0252% | 674 |
| Noncurrent loans to loans | 2.8824% | 485 |
| Net loans and leases to total assets | 68.6828% | 2,670 |
| Net loans and leases to deposits | 76.8585% | 3,220 |
| Net loans and leases to core deposits | 76.8585% | 3,675 |
| Total domestic deposits to total assets | 89.3626% | 919 |
| Equity capital to assets | 10.5599% | 3,091 |
| Core capital (leverage) ratio | 10.4199% | 2,963 |
| Tier 1 risk-based capital ratio | 14.9257% | 2,999 |
| Total risk-based capital ratio | 16.1852% | 2,935 |
| Memoranda: | ||
| Average total assets | $52,417,800 | 5,300 |
| Average earning assets | $46,716,400 | 5,316 |
| Average equity | $5,349,800 | 5,399 |
| Average total loans | $36,440,800 | 5,005 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,564 |
| Cost of funding earning assets | 0.7762% | 559 |
| Net interest margin | 3.7165% | 2,654 |
| Noninterest income to average assets | 0.2889% | 4,705 |
| Noninterest expense to average assets | 2.7643% | 3,126 |
| Loan and lease loss provision to assets | 0.2584% | 712 |
| Net operating income to assets | 0.6056% | 4,273 |
| Return on assets (ROA) | 0.6081% | 4,379 |
| Pretax return on assets | 0.5929% | 4,894 |
| Return on Equity (ROE) | 6.0092% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.6291% | 4,338 |
| Net charge-offs to loans | 0.1681% | 1,363 |
| Credit loss provision to net charge-offs | 221.7391% | 1,331 |
| Earnings coverage of net charge-offs (x) | 7.2829% | 2,895 |
| Efficiency ratio | 76.5077% | 1,905 |
| Assets per employee ($millions) | 3.9778% | 4,005 |
| Cash dividends to net income (ytd only)* | 56.2518% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1261% | 574 |
| Loan loss allowance to noncurrent loans | 69.9822% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.1929% | 672 |
| Noncurrent loans to loans | 3.0380% | 483 |
| Net loans and leases to total assets | 70.1501% | 2,466 |
| Net loans and leases to deposits | 78.4906% | 3,136 |
| Net loans and leases to core deposits | 78.9158% | 3,563 |
| Total domestic deposits to total assets | 89.3738% | 735 |
| Equity capital to assets | 10.4966% | 3,570 |
| Core capital (leverage) ratio | 10.1900% | 3,342 |
| Tier 1 risk-based capital ratio | 14.4901% | 3,291 |
| Total risk-based capital ratio | 15.7494% | 3,218 |
| Memoranda: | ||
| Average total assets | $52,622,000 | 5,347 |
| Average earning assets | $47,067,750 | 5,358 |
| Average equity | $5,325,000 | 5,468 |
| Average total loans | $36,487,250 | 5,042 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 1,661 |
| Cost of funding earning assets | 0.7685% | 573 |
| Net interest margin | 3.6852% | 2,751 |
| Noninterest income to average assets | 0.2948% | 4,671 |
| Noninterest expense to average assets | 2.7057% | 3,375 |
| Loan and lease loss provision to assets | 0.2607% | 721 |
| Net operating income to assets | 0.6235% | 4,173 |
| Return on assets (ROA) | 0.6273% | 4,287 |
| Pretax return on assets | 0.6122% | 4,851 |
| Return on Equity (ROE) | 6.2752% | 3,918 |
| Retained earnings to average equity (ytd only) | 1.1719% | 4,911 |
| Net charge-offs to loans | 0.2480% | 955 |
| Credit loss provision to net charge-offs | 153.3333% | 1,563 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,895 |
| Efficiency ratio | 75.6871% | 2,119 |
| Assets per employee ($millions) | 4.1156% | 3,711 |
| Cash dividends to net income (ytd only)* | 81.3253% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0048% | 726 |
| Loan loss allowance to noncurrent loans | 70.2980% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0335% | 807 |
| Noncurrent loans to loans | 2.8519% | 538 |
| Net loans and leases to total assets | 68.9756% | 2,637 |
| Net loans and leases to deposits | 76.7554% | 3,299 |
| Net loans and leases to core deposits | 77.1550% | 3,724 |
| Total domestic deposits to total assets | 89.8641% | 538 |
| Equity capital to assets | 9.9938% | 4,234 |
| Core capital (leverage) ratio | 9.8116% | 3,802 |
| Tier 1 risk-based capital ratio | 13.5092% | 3,897 |
| Total risk-based capital ratio | 14.7663% | 3,801 |
| Memoranda: | ||
| Average total assets | $52,925,330 | 5,404 |
| Average earning assets | $47,107,000 | 5,421 |
| Average equity | $5,290,670 | 5,528 |
| Average total loans | $36,295,000 | 5,095 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,343 |
| Cost of funding earning assets | 0.7601% | 604 |
| Net interest margin | 3.8093% | 2,260 |
| Noninterest income to average assets | 0.2888% | 4,659 |
| Noninterest expense to average assets | 2.6598% | 3,542 |
| Loan and lease loss provision to assets | 0.2508% | 703 |
| Net operating income to assets | 0.7067% | 3,682 |
| Return on assets (ROA) | 0.7067% | 3,798 |
| Pretax return on assets | 0.6915% | 4,551 |
| Return on Equity (ROE) | 7.0689% | 3,417 |
| Retained earnings to average equity (ytd only) | -3.1924% | 5,490 |
| Net charge-offs to loans | 0.2246% | 909 |
| Credit loss provision to net charge-offs | 165.0000% | 1,217 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,259 |
| Efficiency ratio | 73.8397% | 2,502 |
| Assets per employee ($millions) | 4.1412% | 3,687 |
| Cash dividends to net income (ytd only)* | 145.1613% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0559% | 742 |
| Loan loss allowance to noncurrent loans | 56.7403% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.4649% | 609 |
| Noncurrent loans to loans | 3.6234% | 365 |
| Net loans and leases to total assets | 65.9261% | 2,962 |
| Net loans and leases to deposits | 73.1658% | 3,532 |
| Net loans and leases to core deposits | 73.5433% | 3,937 |
| Total domestic deposits to total assets | 90.1051% | 558 |
| Equity capital to assets | 9.7648% | 4,380 |
| Core capital (leverage) ratio | 9.9890% | 3,544 |
| Tier 1 risk-based capital ratio | 14.0756% | 3,640 |
| Total risk-based capital ratio | 15.3337% | 3,564 |
| Memoranda: | ||
| Average total assets | $52,636,500 | 5,458 |
| Average earning assets | $45,783,000 | 5,498 |
| Average equity | $5,262,500 | 5,566 |
| Average total loans | $35,613,000 | 5,159 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 1,965 |
| Cost of funding earning assets | 0.7012% | 821 |
| Net interest margin | 3.6798% | 2,831 |
| Noninterest income to average assets | 0.2301% | 5,214 |
| Noninterest expense to average assets | 2.8156% | 3,168 |
| Loan and lease loss provision to assets | 0.2642% | 702 |
| Net operating income to assets | 0.5163% | 4,633 |
| Return on assets (ROA) | 0.5183% | 4,705 |
| Pretax return on assets | 0.5023% | 5,110 |
| Return on Equity (ROE) | 4.9890% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.2361% | 3,750 |
| Net charge-offs to loans | 0.0242% | 3,770 |
| Credit loss provision to net charge-offs | 1,650.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 1,035 |
| Efficiency ratio | 78.6473% | 1,867 |
| Assets per employee ($millions) | 4.2864% | 3,416 |
| Cash dividends to net income (ytd only)* | 35.1351% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 698 |
| Loan loss allowance to noncurrent loans | 63.2900% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.2455% | 742 |
| Noncurrent loans to loans | 3.3010% | 451 |
| Net loans and leases to total assets | 66.6019% | 2,896 |
| Net loans and leases to deposits | 74.3511% | 3,454 |
| Net loans and leases to core deposits | 74.7551% | 3,872 |
| Total domestic deposits to total assets | 89.5775% | 809 |
| Equity capital to assets | 10.2417% | 3,692 |
| Core capital (leverage) ratio | 10.1666% | 3,301 |
| Tier 1 risk-based capital ratio | 14.6767% | 3,339 |
| Total risk-based capital ratio | 15.9355% | 3,264 |
| Memoranda: | ||
| Average total assets | $49,971,000 | 5,543 |
| Average earning assets | $45,492,200 | 5,544 |
| Average equity | $5,191,400 | 5,611 |
| Average total loans | $33,108,000 | 5,255 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,145 |
| Cost of funding earning assets | 0.6872% | 899 |
| Net interest margin | 3.6405% | 2,993 |
| Noninterest income to average assets | 0.2258% | 5,298 |
| Noninterest expense to average assets | 2.7739% | 3,292 |
| Loan and lease loss provision to assets | 0.2661% | 615 |
| Net operating income to assets | 0.5483% | 4,598 |
| Return on assets (ROA) | 0.5510% | 4,682 |
| Pretax return on assets | 0.5349% | 5,135 |
| Return on Equity (ROE) | 5.2845% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.9388% | 4,359 |
| Net charge-offs to loans | 0.0408% | 3,071 |
| Credit loss provision to net charge-offs | 990.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 29.7067% | 1,507 |
| Efficiency ratio | 77.6524% | 2,002 |
| Assets per employee ($millions) | 4.1558% | 3,605 |
| Cash dividends to net income (ytd only)* | 44.3896% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 864 |
| Loan loss allowance to noncurrent loans | 63.7694% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.2057% | 865 |
| Noncurrent loans to loans | 3.1946% | 527 |
| Net loans and leases to total assets | 67.2087% | 2,818 |
| Net loans and leases to deposits | 75.2363% | 3,399 |
| Net loans and leases to core deposits | 75.6591% | 3,831 |
| Total domestic deposits to total assets | 89.3303% | 854 |
| Equity capital to assets | 10.5093% | 3,592 |
| Core capital (leverage) ratio | 10.2822% | 3,271 |
| Tier 1 risk-based capital ratio | 15.0857% | 3,251 |
| Total risk-based capital ratio | 16.3438% | 3,185 |
| Memoranda: | ||
| Average total assets | $49,604,500 | 5,617 |
| Average earning assets | $45,597,250 | 5,610 |
| Average equity | $5,172,250 | 5,680 |
| Average total loans | $32,637,750 | 5,338 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 2,027 |
| Cost of funding earning assets | 0.6862% | 907 |
| Net interest margin | 3.6595% | 2,873 |
| Noninterest income to average assets | 0.1777% | 5,633 |
| Noninterest expense to average assets | 2.7991% | 3,240 |
| Loan and lease loss provision to assets | 0.2625% | 644 |
| Net operating income to assets | 0.4928% | 4,805 |
| Return on assets (ROA) | 0.4928% | 4,906 |
| Pretax return on assets | 0.4766% | 5,283 |
| Return on Equity (ROE) | 4.7385% | 4,733 |
| Retained earnings to average equity (ytd only) | 1.2040% | 5,077 |
| Net charge-offs to loans | 0.0498% | 2,713 |
| Credit loss provision to net charge-offs | 812.5000% | 422 |
| Earnings coverage of net charge-offs (x) | 22.8750% | 1,627 |
| Efficiency ratio | 79.1096% | 1,897 |
| Assets per employee ($millions) | 4.4443% | 3,074 |
| Cash dividends to net income (ytd only)* | 74.5902% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 892 |
| Loan loss allowance to noncurrent loans | 78.2353% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9064% | 1,187 |
| Noncurrent loans to loans | 2.6475% | 826 |
| Net loans and leases to total assets | 64.3136% | 3,223 |
| Net loans and leases to deposits | 72.0611% | 3,716 |
| Net loans and leases to core deposits | 72.4748% | 4,090 |
| Total domestic deposits to total assets | 89.2487% | 1,027 |
| Equity capital to assets | 10.5672% | 3,372 |
| Core capital (leverage) ratio | 10.1120% | 3,447 |
| Tier 1 risk-based capital ratio | 15.7062% | 2,996 |
| Total risk-based capital ratio | 16.9658% | 2,942 |
| Memoranda: | ||
| Average total assets | $49,516,000 | 5,678 |
| Average earning assets | $45,471,000 | 5,672 |
| Average equity | $5,149,330 | 5,738 |
| Average total loans | $32,112,330 | 5,398 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,012 |
| Cost of funding earning assets | 0.6919% | 885 |
| Net interest margin | 3.6347% | 2,879 |
| Noninterest income to average assets | 0.2087% | 5,460 |
| Noninterest expense to average assets | 2.7774% | 3,324 |
| Loan and lease loss provision to assets | 0.2649% | 604 |
| Net operating income to assets | 0.5137% | 4,609 |
| Return on assets (ROA) | 0.5137% | 4,733 |
| Pretax return on assets | 0.4977% | 5,185 |
| Return on Equity (ROE) | 4.9796% | 4,539 |
| Retained earnings to average equity (ytd only) | -2.1008% | 5,699 |
| Net charge-offs to loans | 0.0996% | 1,731 |
| Credit loss provision to net charge-offs | 412.5000% | 641 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,833 |
| Efficiency ratio | 78.4580% | 2,123 |
| Assets per employee ($millions) | 4.2033% | 3,557 |
| Cash dividends to net income (ytd only)* | 142.1875% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 1,112 |
| Loan loss allowance to noncurrent loans | 73.9181% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.4227% | 897 |
| Noncurrent loans to loans | 2.6856% | 878 |
| Net loans and leases to total assets | 61.8656% | 3,389 |
| Net loans and leases to deposits | 69.0223% | 3,854 |
| Net loans and leases to core deposits | 69.4046% | 4,210 |
| Total domestic deposits to total assets | 89.6312% | 936 |
| Equity capital to assets | 10.1903% | 3,891 |
| Core capital (leverage) ratio | 9.7940% | 3,901 |
| Tier 1 risk-based capital ratio | 15.0741% | 3,396 |
| Total risk-based capital ratio | 16.3305% | 3,306 |
| Memoranda: | ||
| Average total assets | $49,830,500 | 5,725 |
| Average earning assets | $45,670,500 | 5,716 |
| Average equity | $5,141,000 | 5,796 |
| Average total loans | $32,115,500 | 5,435 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 1,428 |
| Cost of funding earning assets | 0.7357% | 918 |
| Net interest margin | 3.9121% | 2,193 |
| Noninterest income to average assets | 0.2117% | 5,590 |
| Noninterest expense to average assets | 2.8906% | 3,177 |
| Loan and lease loss provision to assets | 0.2545% | 885 |
| Net operating income to assets | 0.5578% | 4,572 |
| Return on assets (ROA) | 0.5578% | 4,663 |
| Pretax return on assets | 0.5415% | 5,135 |
| Return on Equity (ROE) | 5.4894% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,666 |
| Net charge-offs to loans | 0.6234% | 632 |
| Credit loss provision to net charge-offs | 63.4518% | 3,222 |
| Earnings coverage of net charge-offs (x) | 1.9848% | 4,282 |
| Efficiency ratio | 78.4097% | 2,148 |
| Assets per employee ($millions) | 4.1018% | 3,719 |
| Cash dividends to net income (ytd only)* | 34.6715% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 1,375 |
| Loan loss allowance to noncurrent loans | 76.0652% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.3953% | 975 |
| Noncurrent loans to loans | 2.4634% | 1,036 |
| Net loans and leases to total assets | 64.5802% | 3,129 |
| Net loans and leases to deposits | 72.2793% | 3,642 |
| Net loans and leases to core deposits | 72.6909% | 4,060 |
| Total domestic deposits to total assets | 89.3480% | 1,047 |
| Equity capital to assets | 10.4468% | 3,553 |
| Core capital (leverage) ratio | 10.1997% | 3,309 |
| Tier 1 risk-based capital ratio | 15.4360% | 3,253 |
| Total risk-based capital ratio | 16.6912% | 3,195 |
| Memoranda: | ||
| Average total assets | $49,125,000 | 5,807 |
| Average earning assets | $43,633,600 | 5,835 |
| Average equity | $4,991,400 | 5,852 |
| Average total loans | $31,600,000 | 5,501 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 1,369 |
| Cost of funding earning assets | 0.7485% | 895 |
| Net interest margin | 3.9273% | 2,130 |
| Noninterest income to average assets | 0.2987% | 5,064 |
| Noninterest expense to average assets | 2.9055% | 3,096 |
| Loan and lease loss provision to assets | 0.2552% | 838 |
| Net operating income to assets | 0.6164% | 4,370 |
| Return on assets (ROA) | 0.6164% | 4,464 |
| Pretax return on assets | 0.6001% | 5,025 |
| Return on Equity (ROE) | 6.1097% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.5529% | 4,119 |
| Net charge-offs to loans | 0.8152% | 408 |
| Credit loss provision to net charge-offs | 48.9583% | 3,121 |
| Earnings coverage of net charge-offs (x) | 1.6407% | 4,113 |
| Efficiency ratio | 77.2563% | 2,313 |
| Assets per employee ($millions) | 4.1882% | 3,509 |
| Cash dividends to net income (ytd only)* | 41.8489% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 1,702 |
| Loan loss allowance to noncurrent loans | 57.9262% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.5190% | 1,039 |
| Noncurrent loans to loans | 3.0969% | 840 |
| Net loans and leases to total assets | 63.2854% | 3,297 |
| Net loans and leases to deposits | 70.5467% | 3,854 |
| Net loans and leases to core deposits | 72.2141% | 4,133 |
| Total domestic deposits to total assets | 89.7071% | 871 |
| Equity capital to assets | 10.0939% | 4,056 |
| Core capital (leverage) ratio | 9.9431% | 3,749 |
| Tier 1 risk-based capital ratio | 14.6001% | 3,815 |
| Total risk-based capital ratio | 15.7939% | 3,801 |
| Memoranda: | ||
| Average total assets | $49,101,000 | 5,874 |
| Average earning assets | $43,286,000 | 5,913 |
| Average equity | $4,953,750 | 5,926 |
| Average total loans | $31,401,500 | 5,567 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,567 |
| Cost of funding earning assets | 0.7389% | 971 |
| Net interest margin | 3.8471% | 2,392 |
| Noninterest income to average assets | 0.3038% | 4,977 |
| Noninterest expense to average assets | 2.9313% | 3,060 |
| Loan and lease loss provision to assets | 0.2545% | 851 |
| Net operating income to assets | 0.5542% | 4,575 |
| Return on assets (ROA) | 0.5542% | 4,679 |
| Pretax return on assets | 0.5378% | 5,164 |
| Return on Equity (ROE) | 5.4945% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.6280% | 5,090 |
| Net charge-offs to loans | 1.2358% | 250 |
| Credit loss provision to net charge-offs | 32.2917% | 3,025 |
| Earnings coverage of net charge-offs (x) | 1.0052% | 3,914 |
| Efficiency ratio | 78.7211% | 2,202 |
| Assets per employee ($millions) | 4.1794% | 3,497 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 1,947 |
| Loan loss allowance to noncurrent loans | 56.8769% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.4525% | 1,164 |
| Noncurrent loans to loans | 3.0977% | 920 |
| Net loans and leases to total assets | 61.1469% | 3,549 |
| Net loans and leases to deposits | 68.0838% | 4,039 |
| Net loans and leases to core deposits | 69.8517% | 4,282 |
| Total domestic deposits to total assets | 89.8112% | 899 |
| Equity capital to assets | 9.9755% | 4,138 |
| Core capital (leverage) ratio | 9.9123% | 3,726 |
| Tier 1 risk-based capital ratio | 14.5074% | 3,928 |
| Total risk-based capital ratio | 15.6986% | 3,902 |
| Memoranda: | ||
| Average total assets | $48,715,330 | 5,935 |
| Average earning assets | $43,305,670 | 5,967 |
| Average equity | $4,914,000 | 5,975 |
| Average total loans | $31,073,000 | 5,627 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 1,783 |
| Cost of funding earning assets | 0.7504% | 969 |
| Net interest margin | 3.7612% | 2,633 |
| Noninterest income to average assets | 0.2250% | 5,552 |
| Noninterest expense to average assets | 2.9669% | 3,000 |
| Loan and lease loss provision to assets | 0.2584% | 825 |
| Net operating income to assets | 0.3584% | 5,281 |
| Return on assets (ROA) | 0.3584% | 5,342 |
| Pretax return on assets | 0.3417% | 5,619 |
| Return on Equity (ROE) | 3.5322% | 5,253 |
| Retained earnings to average equity (ytd only) | -4.2715% | 6,079 |
| Net charge-offs to loans | 1.5354% | 207 |
| Credit loss provision to net charge-offs | 26.0504% | 2,439 |
| Earnings coverage of net charge-offs (x) | 0.6050% | 3,301 |
| Efficiency ratio | 83.1776% | 1,773 |
| Assets per employee ($millions) | 3.6670% | 4,596 |
| Cash dividends to net income (ytd only)* | 220.9302% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 1,814 |
| Loan loss allowance to noncurrent loans | 56.7179% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.7375% | 1,107 |
| Noncurrent loans to loans | 3.3135% | 915 |
| Net loans and leases to total assets | 64.7270% | 2,770 |
| Net loans and leases to deposits | 72.2437% | 3,307 |
| Net loans and leases to core deposits | 74.2248% | 3,622 |
| Total domestic deposits to total assets | 89.5954% | 1,312 |
| Equity capital to assets | 10.1739% | 3,633 |
| Core capital (leverage) ratio | 9.8673% | 3,764 |
| Tier 1 risk-based capital ratio | 14.3572% | 4,094 |
| Total risk-based capital ratio | 15.5492% | 4,082 |
| Memoranda: | ||
| Average total assets | $47,996,500 | 6,005 |
| Average earning assets | $42,646,500 | 6,037 |
| Average equity | $4,869,500 | 6,028 |
| Average total loans | $31,001,000 | 5,677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 2,130 |
| Cost of funding earning assets | 0.8011% | 1,206 |
| Net interest margin | 3.7194% | 2,978 |
| Noninterest income to average assets | -0.0884% | 6,716 |
| Noninterest expense to average assets | 2.7724% | 3,821 |
| Loan and lease loss provision to assets | 0.2589% | 1,384 |
| Net operating income to assets | 0.2105% | 5,793 |
| Return on assets (ROA) | 0.2379% | 5,787 |
| Pretax return on assets | 0.2210% | 5,900 |
| Return on Equity (ROE) | 2.3462% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.3462% | 4,575 |
| Net charge-offs to loans | 0.5025% | 1,319 |
| Credit loss provision to net charge-offs | 85.4167% | 2,887 |
| Earnings coverage of net charge-offs (x) | 1.4931% | 4,555 |
| Efficiency ratio | 85.9661% | 1,418 |
| Assets per employee ($millions) | 4.0268% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,149 |
| Loan loss allowance to noncurrent loans | 57.7872% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.9614% | 1,077 |
| Noncurrent loans to loans | 3.8455% | 774 |
| Net loans and leases to total assets | 61.8269% | 3,392 |
| Net loans and leases to deposits | 68.9754% | 3,911 |
| Net loans and leases to core deposits | 71.3440% | 4,148 |
| Total domestic deposits to total assets | 89.6362% | 1,252 |
| Equity capital to assets | 10.1175% | 3,606 |
| Core capital (leverage) ratio | 10.3913% | 3,029 |
| Tier 1 risk-based capital ratio | 15.1275% | 3,594 |
| Total risk-based capital ratio | 16.3234% | 3,567 |
| Memoranda: | ||
| Average total assets | $47,504,400 | 6,079 |
| Average earning assets | $42,318,800 | 6,097 |
| Average equity | $4,816,400 | 6,110 |
| Average total loans | $28,655,600 | 5,819 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 2,535 |
| Cost of funding earning assets | 0.8136% | 1,250 |
| Net interest margin | 3.6048% | 3,424 |
| Noninterest income to average assets | -0.1917% | 6,835 |
| Noninterest expense to average assets | 2.8047% | 3,644 |
| Loan and lease loss provision to assets | 0.2593% | 1,367 |
| Net operating income to assets | 0.0085% | 6,286 |
| Return on assets (ROA) | 0.0451% | 6,283 |
| Pretax return on assets | 0.0282% | 6,293 |
| Return on Equity (ROE) | 0.4445% | 6,281 |
| Retained earnings to average equity (ytd only) | 0.4445% | 5,791 |
| Net charge-offs to loans | 0.6955% | 860 |
| Credit loss provision to net charge-offs | 62.5850% | 3,234 |
| Earnings coverage of net charge-offs (x) | 0.6054% | 4,655 |
| Efficiency ratio | 91.7897% | 866 |
| Assets per employee ($millions) | 3.9024% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 1,389 |
| Loan loss allowance to noncurrent loans | 56.1739% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.6074% | 1,453 |
| Noncurrent loans to loans | 3.8536% | 931 |
| Net loans and leases to total assets | 62.3460% | 3,298 |
| Net loans and leases to deposits | 69.6071% | 3,836 |
| Net loans and leases to core deposits | 73.8840% | 3,863 |
| Total domestic deposits to total assets | 89.5684% | 1,246 |
| Equity capital to assets | 10.2052% | 3,636 |
| Core capital (leverage) ratio | 10.3342% | 3,192 |
| Tier 1 risk-based capital ratio | 14.9876% | 3,761 |
| Total risk-based capital ratio | 16.1798% | 3,747 |
| Memoranda: | ||
| Average total assets | $47,300,000 | 6,155 |
| Average earning assets | $42,608,250 | 6,159 |
| Average equity | $4,798,250 | 6,192 |
| Average total loans | $28,180,750 | 5,896 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,635 |
| Cost of funding earning assets | 0.8295% | 1,262 |
| Net interest margin | 3.5537% | 3,549 |
| Noninterest income to average assets | -0.4425% | 6,902 |
| Noninterest expense to average assets | 2.8405% | 3,546 |
| Loan and lease loss provision to assets | 0.2571% | 1,442 |
| Net operating income to assets | -0.3428% | 6,578 |
| Return on assets (ROA) | -0.2908% | 6,578 |
| Pretax return on assets | -0.3076% | 6,558 |
| Return on Equity (ROE) | -2.8722% | 6,571 |
| Retained earnings to average equity (ytd only) | -2.8722% | 6,298 |
| Net charge-offs to loans | 0.8253% | 759 |
| Credit loss provision to net charge-offs | 53.5088% | 3,147 |
| Earnings coverage of net charge-offs (x) | -0.2193% | 4,623 |
| Efficiency ratio | 103.8521% | 385 |
| Assets per employee ($millions) | 4.2234% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3255% | 1,219 |
| Loan loss allowance to noncurrent loans | 58.2358% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 3.0049% | 1,346 |
| Noncurrent loans to loans | 3.9932% | 975 |
| Net loans and leases to total assets | 58.4950% | 3,909 |
| Net loans and leases to deposits | 65.2727% | 4,345 |
| Net loans and leases to core deposits | 71.4981% | 4,109 |
| Total domestic deposits to total assets | 89.6162% | 1,256 |
| Equity capital to assets | 10.0954% | 3,798 |
| Core capital (leverage) ratio | 10.0019% | 3,516 |
| Tier 1 risk-based capital ratio | 15.2334% | 3,635 |
| Total risk-based capital ratio | 16.4257% | 3,631 |
| Memoranda: | ||
| Average total assets | $47,457,000 | 6,199 |
| Average earning assets | $42,435,000 | 6,208 |
| Average equity | $4,804,670 | 6,239 |
| Average total loans | $27,627,000 | 5,955 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,382 |
| Cost of funding earning assets | 0.8417% | 1,298 |
| Net interest margin | 3.3386% | 4,361 |
| Noninterest income to average assets | 0.3420% | 4,957 |
| Noninterest expense to average assets | 2.8526% | 3,531 |
| Loan and lease loss provision to assets | 0.2502% | 1,437 |
| Net operating income to assets | 0.2335% | 5,780 |
| Return on assets (ROA) | 0.2335% | 5,908 |
| Pretax return on assets | 0.2169% | 6,044 |
| Return on Equity (ROE) | 2.3036% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.3036% | 4,872 |
| Net charge-offs to loans | 1.6564% | 310 |
| Credit loss provision to net charge-offs | 26.3158% | 2,941 |
| Earnings coverage of net charge-offs (x) | 0.4912% | 3,656 |
| Efficiency ratio | 85.9296% | 1,528 |
| Assets per employee ($millions) | 3.9960% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2503% | 1,484 |
| Loan loss allowance to noncurrent loans | 59.8058% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 4.1437% | 941 |
| Noncurrent loans to loans | 3.7627% | 1,232 |
| Net loans and leases to total assets | 55.8016% | 4,120 |
| Net loans and leases to deposits | 62.3424% | 4,495 |
| Net loans and leases to core deposits | 68.4383% | 4,250 |
| Total domestic deposits to total assets | 89.5083% | 1,352 |
| Equity capital to assets | 10.1706% | 3,934 |
| Core capital (leverage) ratio | 9.9218% | 3,501 |
| Tier 1 risk-based capital ratio | 14.9797% | 3,850 |
| Total risk-based capital ratio | 16.1659% | 3,864 |
| Memoranda: | ||
| Average total assets | $47,957,000 | 6,250 |
| Average earning assets | $42,773,000 | 6,254 |
| Average equity | $4,862,000 | 6,286 |
| Average total loans | $27,529,500 | 6,007 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 1,709 |
| Cost of funding earning assets | 1.2332% | 497 |
| Net interest margin | 3.7086% | 3,613 |
| Noninterest income to average assets | 0.1999% | 5,988 |
| Noninterest expense to average assets | 2.8595% | 3,813 |
| Loan and lease loss provision to assets | 0.2484% | 2,672 |
| Net operating income to assets | 0.4039% | 5,089 |
| Return on assets (ROA) | 0.4039% | 5,337 |
| Pretax return on assets | 0.3897% | 5,599 |
| Return on Equity (ROE) | 4.3063% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.3469% | 4,581 |
| Net charge-offs to loans | 0.3532% | 2,868 |
| Credit loss provision to net charge-offs | 123.0000% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.1600% | 3,855 |
| Efficiency ratio | 81.7552% | 1,909 |
| Assets per employee ($millions) | 3.9968% | 3,956 |
| Cash dividends to net income (ytd only)* | 45.5000% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5321% | 1,094 |
| Loan loss allowance to noncurrent loans | 35.5838% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 6.1048% | 557 |
| Noncurrent loans to loans | 7.1158% | 445 |
| Net loans and leases to total assets | 56.2612% | 4,243 |
| Net loans and leases to deposits | 62.7958% | 4,684 |
| Net loans and leases to core deposits | 70.6887% | 4,204 |
| Total domestic deposits to total assets | 89.5938% | 1,195 |
| Equity capital to assets | 10.1059% | 4,030 |
| Core capital (leverage) ratio | 10.1038% | 3,271 |
| Tier 1 risk-based capital ratio | 14.6373% | 3,940 |
| Total risk-based capital ratio | 15.8340% | 3,930 |
| Memoranda: | ||
| Average total assets | $49,519,200 | 6,227 |
| Average earning assets | $44,033,200 | 6,234 |
| Average equity | $4,644,400 | 6,401 |
| Average total loans | $28,309,600 | 6,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 1,643 |
| Cost of funding earning assets | 1.3384% | 376 |
| Net interest margin | 3.6821% | 3,871 |
| Noninterest income to average assets | 0.1069% | 6,595 |
| Noninterest expense to average assets | 2.8932% | 3,624 |
| Loan and lease loss provision to assets | 0.2458% | 2,599 |
| Net operating income to assets | 0.2591% | 5,755 |
| Return on assets (ROA) | 0.2591% | 5,947 |
| Pretax return on assets | 0.2458% | 6,053 |
| Return on Equity (ROE) | 2.8153% | 5,744 |
| Retained earnings to average equity (ytd only) | 0.1741% | 6,024 |
| Net charge-offs to loans | 0.3560% | 2,676 |
| Credit loss provision to net charge-offs | 121.0526% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.4211% | 4,070 |
| Efficiency ratio | 85.4775% | 1,434 |
| Assets per employee ($millions) | 3.6465% | 4,665 |
| Cash dividends to net income (ytd only)* | 93.8143% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4613% | 1,254 |
| Loan loss allowance to noncurrent loans | 34.9446% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 6.2147% | 627 |
| Noncurrent loans to loans | 7.0433% | 515 |
| Net loans and leases to total assets | 58.0183% | 4,132 |
| Net loans and leases to deposits | 64.5595% | 4,653 |
| Net loans and leases to core deposits | 74.4149% | 3,923 |
| Total domestic deposits to total assets | 89.8679% | 915 |
| Equity capital to assets | 9.8156% | 4,759 |
| Core capital (leverage) ratio | 9.3781% | 4,464 |
| Tier 1 risk-based capital ratio | 14.3703% | 4,283 |
| Total risk-based capital ratio | 15.5647% | 4,288 |
| Memoranda: | ||
| Average total assets | $49,908,500 | 6,286 |
| Average earning assets | $44,430,000 | 6,295 |
| Average equity | $4,593,750 | 6,493 |
| Average total loans | $28,465,750 | 6,091 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 1,676 |
| Cost of funding earning assets | 1.4585% | 282 |
| Net interest margin | 3.5865% | 4,323 |
| Noninterest income to average assets | 0.2325% | 5,907 |
| Noninterest expense to average assets | 2.8457% | 3,846 |
| Loan and lease loss provision to assets | 0.2404% | 2,660 |
| Net operating income to assets | 0.3468% | 5,447 |
| Return on assets (ROA) | 0.3468% | 5,669 |
| Pretax return on assets | 0.3350% | 5,877 |
| Return on Equity (ROE) | 3.8478% | 5,337 |
| Retained earnings to average equity (ytd only) | -0.1312% | 6,065 |
| Net charge-offs to loans | 0.3642% | 2,555 |
| Credit loss provision to net charge-offs | 117.3077% | 2,345 |
| Earnings coverage of net charge-offs (x) | 2.8077% | 3,623 |
| Efficiency ratio | 83.1797% | 1,726 |
| Assets per employee ($millions) | 3.8088% | 4,290 |
| Cash dividends to net income (ytd only)* | 103.4091% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 1,353 |
| Loan loss allowance to noncurrent loans | 117.6672% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 3.2455% | 1,675 |
| Noncurrent loans to loans | 2.0805% | 2,848 |
| Net loans and leases to total assets | 55.2086% | 4,594 |
| Net loans and leases to deposits | 61.1161% | 5,114 |
| Net loans and leases to core deposits | 75.4930% | 3,817 |
| Total domestic deposits to total assets | 90.3340% | 746 |
| Equity capital to assets | 9.2822% | 5,347 |
| Core capital (leverage) ratio | 8.9595% | 4,965 |
| Tier 1 risk-based capital ratio | 14.2262% | 4,284 |
| Total risk-based capital ratio | 15.4198% | 4,290 |
| Memoranda: | ||
| Average total assets | $50,743,330 | 6,301 |
| Average earning assets | $45,113,670 | 6,311 |
| Average equity | $4,574,000 | 6,523 |
| Average total loans | $28,555,330 | 6,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 1,638 |
| Cost of funding earning assets | 1.5352% | 243 |
| Net interest margin | 3.5441% | 4,514 |
| Noninterest income to average assets | 0.1947% | 6,220 |
| Noninterest expense to average assets | 2.7883% | 4,084 |
| Loan and lease loss provision to assets | 0.2337% | 2,604 |
| Net operating income to assets | 0.3271% | 5,559 |
| Return on assets (ROA) | 0.3271% | 5,731 |
| Pretax return on assets | 0.3193% | 5,934 |
| Return on Equity (ROE) | 3.6818% | 5,437 |
| Retained earnings to average equity (ytd only) | -4.2954% | 6,532 |
| Net charge-offs to loans | 0.6662% | 1,472 |
| Credit loss provision to net charge-offs | 62.5000% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.4792% | 3,585 |
| Efficiency ratio | 83.4499% | 1,744 |
| Assets per employee ($millions) | 3.6516% | 4,759 |
| Cash dividends to net income (ytd only)* | 216.6667% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2882% | 1,693 |
| Loan loss allowance to noncurrent loans | 114.5833% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 3.1336% | 1,852 |
| Noncurrent loans to loans | 1.9969% | 3,172 |
| Net loans and leases to total assets | 55.1298% | 4,530 |
| Net loans and leases to deposits | 60.7767% | 5,066 |
| Net loans and leases to core deposits | 75.8287% | 3,637 |
| Total domestic deposits to total assets | 90.7087% | 684 |
| Equity capital to assets | 8.8923% | 5,646 |
| Core capital (leverage) ratio | 8.6242% | 5,411 |
| Tier 1 risk-based capital ratio | 13.2608% | 5,018 |
| Total risk-based capital ratio | 14.4560% | 5,037 |
| Memoranda: | ||
| Average total assets | $51,358,000 | 6,328 |
| Average earning assets | $45,596,500 | 6,342 |
| Average equity | $4,563,000 | 6,560 |
| Average total loans | $28,822,000 | 6,170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 1,645 |
| Cost of funding earning assets | 1.8629% | 173 |
| Net interest margin | 3.4557% | 5,302 |
| Noninterest income to average assets | 0.2332% | 5,869 |
| Noninterest expense to average assets | 2.6553% | 4,904 |
| Loan and lease loss provision to assets | 0.3314% | 3,034 |
| Net operating income to assets | 0.3931% | 4,898 |
| Return on assets (ROA) | 0.3950% | 5,057 |
| Pretax return on assets | 0.3796% | 5,355 |
| Return on Equity (ROE) | 4.5584% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.6022% | 3,651 |
| Net charge-offs to loans | 0.1281% | 5,115 |
| Credit loss provision to net charge-offs | 430.0000% | 528 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 2,019 |
| Efficiency ratio | 78.9233% | 2,467 |
| Assets per employee ($millions) | 3.6852% | 4,583 |
| Cash dividends to net income (ytd only)* | 20.9756% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3542% | 1,535 |
| Loan loss allowance to noncurrent loans | 191.5254% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 2.6011% | 2,334 |
| Noncurrent loans to loans | 1.2292% | 4,314 |
| Net loans and leases to total assets | 54.5074% | 4,949 |
| Net loans and leases to deposits | 60.0743% | 5,474 |
| Net loans and leases to core deposits | 77.5287% | 3,744 |
| Total domestic deposits to total assets | 90.7332% | 612 |
| Equity capital to assets | 8.8772% | 5,701 |
| Core capital (leverage) ratio | 8.8026% | 5,099 |
| Tier 1 risk-based capital ratio | 13.8375% | 4,454 |
| Total risk-based capital ratio | 15.0318% | 4,455 |
| Memoranda: | ||
| Average total assets | $51,895,600 | 6,305 |
| Average earning assets | $47,024,400 | 6,293 |
| Average equity | $4,497,200 | 6,596 |
| Average total loans | $31,230,000 | 6,109 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3652% | 1,626 |
| Cost of funding earning assets | 1.9318% | 154 |
| Net interest margin | 3.4334% | 5,451 |
| Noninterest income to average assets | 0.2925% | 5,519 |
| Noninterest expense to average assets | 2.7527% | 4,525 |
| Loan and lease loss provision to assets | 0.2283% | 3,727 |
| Net operating income to assets | 0.4592% | 4,727 |
| Return on assets (ROA) | 0.4592% | 4,919 |
| Pretax return on assets | 0.4438% | 5,330 |
| Return on Equity (ROE) | 5.3314% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.0507% | 3,844 |
| Net charge-offs to loans | 0.1801% | 4,358 |
| Credit loss provision to net charge-offs | 206.9767% | 1,416 |
| Earnings coverage of net charge-offs (x) | 6.0931% | 2,623 |
| Efficiency ratio | 80.3745% | 2,200 |
| Assets per employee ($millions) | 3.5818% | 4,802 |
| Cash dividends to net income (ytd only)* | 24.0216% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 2,458 |
| Loan loss allowance to noncurrent loans | 165.8263% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5276% | 3,811 |
| Noncurrent loans to loans | 1.1793% | 4,574 |
| Net loans and leases to total assets | 59.1864% | 4,291 |
| Net loans and leases to deposits | 65.4515% | 4,981 |
| Net loans and leases to core deposits | 87.0990% | 2,618 |
| Total domestic deposits to total assets | 90.4278% | 667 |
| Equity capital to assets | 9.1535% | 5,583 |
| Core capital (leverage) ratio | 8.7821% | 5,291 |
| Tier 1 risk-based capital ratio | 13.6932% | 4,582 |
| Total risk-based capital ratio | 14.8852% | 4,598 |
| Memoranda: | ||
| Average total assets | $51,971,250 | 6,360 |
| Average earning assets | $47,415,250 | 6,323 |
| Average equity | $4,476,500 | 6,653 |
| Average total loans | $31,837,500 | 6,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 1,796 |
| Cost of funding earning assets | 2.0087% | 138 |
| Net interest margin | 3.3173% | 5,806 |
| Noninterest income to average assets | 0.2853% | 5,601 |
| Noninterest expense to average assets | 2.6474% | 5,015 |
| Loan and lease loss provision to assets | 0.2244% | 3,667 |
| Net operating income to assets | 0.4564% | 4,690 |
| Return on assets (ROA) | 0.4564% | 4,824 |
| Pretax return on assets | 0.4412% | 5,257 |
| Return on Equity (ROE) | 5.4070% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.4695% | 4,041 |
| Net charge-offs to loans | 0.0433% | 5,254 |
| Credit loss provision to net charge-offs | 842.8571% | 388 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,049 |
| Efficiency ratio | 79.9082% | 2,401 |
| Assets per employee ($millions) | 3.7322% | 4,350 |
| Cash dividends to net income (ytd only)* | 35.8333% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 2,544 |
| Loan loss allowance to noncurrent loans | 109.7248% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.8315% | 3,466 |
| Noncurrent loans to loans | 1.7670% | 3,796 |
| Net loans and leases to total assets | 57.8860% | 4,652 |
| Net loans and leases to deposits | 63.6785% | 5,317 |
| Net loans and leases to core deposits | 82.9840% | 3,369 |
| Total domestic deposits to total assets | 90.9035% | 535 |
| Equity capital to assets | 8.6333% | 6,024 |
| Core capital (leverage) ratio | 8.3216% | 5,832 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,971 |
| Total risk-based capital ratio | 14.1274% | 4,989 |
| Memoranda: | ||
| Average total assets | $52,580,000 | 6,387 |
| Average earning assets | $47,990,330 | 6,367 |
| Average equity | $4,438,670 | 6,703 |
| Average total loans | $32,359,670 | 6,173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 1,759 |
| Cost of funding earning assets | 2.0401% | 148 |
| Net interest margin | 3.2974% | 5,789 |
| Noninterest income to average assets | 0.2275% | 6,097 |
| Noninterest expense to average assets | 2.5405% | 5,422 |
| Loan and lease loss provision to assets | 0.2199% | 3,456 |
| Net operating income to assets | 0.4854% | 4,550 |
| Return on assets (ROA) | 0.4854% | 4,632 |
| Pretax return on assets | 0.4702% | 5,120 |
| Return on Equity (ROE) | 5.8149% | 4,008 |
| Retained earnings to average equity (ytd only) | 1.9080% | 4,980 |
| Net charge-offs to loans | -0.0121% | 6,418 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6385% | 2,743 |
| Assets per employee ($millions) | 3.5758% | 4,810 |
| Cash dividends to net income (ytd only)* | 67.1875% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 3,177 |
| Loan loss allowance to noncurrent loans | 127.0925% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 3,818 |
| Noncurrent loans to loans | 1.3765% | 4,407 |
| Net loans and leases to total assets | 60.4172% | 4,186 |
| Net loans and leases to deposits | 66.1549% | 4,950 |
| Net loans and leases to core deposits | 87.9331% | 2,608 |
| Total domestic deposits to total assets | 91.3269% | 472 |
| Equity capital to assets | 8.2182% | 6,262 |
| Core capital (leverage) ratio | 8.1714% | 6,014 |
| Tier 1 risk-based capital ratio | 11.9233% | 5,757 |
| Total risk-based capital ratio | 13.1143% | 5,814 |
| Memoranda: | ||
| Average total assets | $52,744,500 | 6,425 |
| Average earning assets | $48,037,500 | 6,409 |
| Average equity | $4,402,500 | 6,746 |
| Average total loans | $33,117,500 | 6,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7041% | 1,558 |
| Cost of funding earning assets | 2.4999% | 107 |
| Net interest margin | 3.2042% | 6,262 |
| Noninterest income to average assets | 0.3168% | 5,528 |
| Noninterest expense to average assets | 2.6821% | 5,073 |
| Loan and lease loss provision to assets | 0.2304% | 4,976 |
| Net operating income to assets | 0.3456% | 4,759 |
| Return on assets (ROA) | 0.3456% | 4,922 |
| Pretax return on assets | 0.3302% | 5,144 |
| Return on Equity (ROE) | 4.2664% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.2664% | 2,858 |
| Net charge-offs to loans | 0.6970% | 2,917 |
| Credit loss provision to net charge-offs | 49.5868% | 6,265 |
| Earnings coverage of net charge-offs (x) | 1.2066% | 4,901 |
| Efficiency ratio | 82.7117% | 2,081 |
| Assets per employee ($millions) | 4.3210% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 3,412 |
| Loan loss allowance to noncurrent loans | 125.7471% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.7434% | 3,689 |
| Noncurrent loans to loans | 1.3082% | 4,529 |
| Net loans and leases to total assets | 63.0737% | 4,055 |
| Net loans and leases to deposits | 69.2594% | 4,918 |
| Net loans and leases to core deposits | 90.3753% | 2,718 |
| Total domestic deposits to total assets | 91.0688% | 573 |
| Equity capital to assets | 8.4799% | 5,882 |
| Core capital (leverage) ratio | 8.2779% | 5,716 |
| Tier 1 risk-based capital ratio | 11.6035% | 5,819 |
| Total risk-based capital ratio | 12.7868% | 5,881 |
| Memoranda: | ||
| Average total assets | $52,085,600 | 6,458 |
| Average earning assets | $47,562,200 | 6,452 |
| Average equity | $4,219,000 | 6,911 |
| Average total loans | $34,722,000 | 6,167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7279% | 1,615 |
| Cost of funding earning assets | 2.6036% | 96 |
| Net interest margin | 3.1243% | 6,550 |
| Noninterest income to average assets | 0.3273% | 5,539 |
| Noninterest expense to average assets | 2.6771% | 4,975 |
| Loan and lease loss provision to assets | 0.2301% | 4,769 |
| Net operating income to assets | 0.2889% | 5,209 |
| Return on assets (ROA) | 0.2889% | 5,378 |
| Pretax return on assets | 0.2736% | 5,564 |
| Return on Equity (ROE) | 3.6091% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.6091% | 3,907 |
| Net charge-offs to loans | 0.9233% | 2,150 |
| Credit loss provision to net charge-offs | 37.0370% | 6,058 |
| Earnings coverage of net charge-offs (x) | 0.8107% | 5,242 |
| Efficiency ratio | 84.1640% | 1,818 |
| Assets per employee ($millions) | 4.2982% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,883 |
| Loan loss allowance to noncurrent loans | 106.1856% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 3,795 |
| Noncurrent loans to loans | 1.4289% | 4,473 |
| Net loans and leases to total assets | 64.8106% | 3,947 |
| Net loans and leases to deposits | 71.1688% | 4,972 |
| Net loans and leases to core deposits | 93.6516% | 2,573 |
| Total domestic deposits to total assets | 91.0660% | 427 |
| Equity capital to assets | 8.4823% | 6,294 |
| Core capital (leverage) ratio | 8.2712% | 5,925 |
| Tier 1 risk-based capital ratio | 11.9441% | 5,515 |
| Total risk-based capital ratio | 13.1796% | 5,503 |
| Memoranda: | ||
| Average total assets | $52,144,000 | 6,533 |
| Average earning assets | $47,625,250 | 6,524 |
| Average equity | $4,174,500 | 7,024 |
| Average total loans | $35,089,500 | 6,235 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 1,588 |
| Cost of funding earning assets | 2.7200% | 83 |
| Net interest margin | 3.0213% | 6,787 |
| Noninterest income to average assets | 0.2293% | 6,271 |
| Noninterest expense to average assets | 2.5453% | 5,541 |
| Loan and lease loss provision to assets | 0.2255% | 4,651 |
| Net operating income to assets | 0.2331% | 5,444 |
| Return on assets (ROA) | 0.2331% | 5,582 |
| Pretax return on assets | 0.2178% | 5,732 |
| Return on Equity (ROE) | 2.9701% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.9701% | 4,233 |
| Net charge-offs to loans | 0.0507% | 5,676 |
| Credit loss provision to net charge-offs | 655.5556% | 566 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,633 |
| Efficiency ratio | 85.1662% | 1,804 |
| Assets per employee ($millions) | 4.3111% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0893% | 1,983 |
| Loan loss allowance to noncurrent loans | 97.0310% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 2.2790% | 3,159 |
| Noncurrent loans to loans | 2.1532% | 3,524 |
| Net loans and leases to total assets | 65.1325% | 4,013 |
| Net loans and leases to deposits | 71.4316% | 5,084 |
| Net loans and leases to core deposits | 97.0003% | 2,331 |
| Total domestic deposits to total assets | 91.1816% | 419 |
| Equity capital to assets | 8.3254% | 6,392 |
| Core capital (leverage) ratio | 8.1318% | 6,064 |
| Tier 1 risk-based capital ratio | 11.8463% | 5,453 |
| Total risk-based capital ratio | 13.1067% | 5,409 |
| Memoranda: | ||
| Average total assets | $52,332,670 | 6,569 |
| Average earning assets | $47,793,670 | 6,555 |
| Average equity | $4,107,670 | 7,076 |
| Average total loans | $35,471,670 | 6,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8568% | 1,308 |
| Cost of funding earning assets | 2.8032% | 86 |
| Net interest margin | 3.0535% | 6,706 |
| Noninterest income to average assets | 0.2508% | 6,145 |
| Noninterest expense to average assets | 2.3484% | 6,254 |
| Loan and lease loss provision to assets | 0.2204% | 4,295 |
| Net operating income to assets | 0.4788% | 4,497 |
| Return on assets (ROA) | 0.4788% | 4,625 |
| Pretax return on assets | 0.4636% | 5,073 |
| Return on Equity (ROE) | 6.2874% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.2874% | 2,475 |
| Net charge-offs to loans | -0.0222% | 7,099 |
| Credit loss provision to net charge-offs | -1,450.0000% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4436% | 2,986 |
| Assets per employee ($millions) | 5.2116% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,207 |
| Loan loss allowance to noncurrent loans | 246.1268% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4468% | 4,340 |
| Noncurrent loans to loans | 0.8097% | 5,696 |
| Net loans and leases to total assets | 65.9605% | 3,857 |
| Net loans and leases to deposits | 72.2215% | 5,022 |
| Net loans and leases to core deposits | 94.8487% | 2,724 |
| Total domestic deposits to total assets | 91.3309% | 428 |
| Equity capital to assets | 8.1933% | 6,439 |
| Core capital (leverage) ratio | 8.0298% | 6,194 |
| Tier 1 risk-based capital ratio | 11.4059% | 5,761 |
| Total risk-based capital ratio | 12.6648% | 5,727 |
| Memoranda: | ||
| Average total assets | $52,632,500 | 6,647 |
| Average earning assets | $47,944,500 | 6,627 |
| Average equity | $4,008,000 | 7,187 |
| Average total loans | $36,000,500 | 6,317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1566% | 1,356 |
| Cost of funding earning assets | 3.3891% | 69 |
| Net interest margin | 2.7675% | 7,113 |
| Noninterest income to average assets | 0.2572% | 6,271 |
| Noninterest expense to average assets | 2.6201% | 5,712 |
| Loan and lease loss provision to assets | 1.4074% | 1,631 |
| Net operating income to assets | -1.2052% | 6,714 |
| Return on assets (ROA) | -1.1943% | 6,704 |
| Pretax return on assets | -1.2071% | 6,544 |
| Return on Equity (ROE) | -15.2303% | 6,949 |
| Retained earnings to average equity (ytd only) | -15.3475% | 6,901 |
| Net charge-offs to loans | 1.4492% | 1,733 |
| Credit loss provision to net charge-offs | 131.8417% | 3,821 |
| Earnings coverage of net charge-offs (x) | 0.1773% | 5,978 |
| Efficiency ratio | 93.2636% | 1,463 |
| Assets per employee ($millions) | 5.3149% | 1,825 |
| Cash dividends to net income (ytd only)* | -0.7692% | 7,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 2,514 |
| Loan loss allowance to noncurrent loans | 123.9332% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.5014% | 4,131 |
| Noncurrent loans to loans | 1.4597% | 4,483 |
| Net loans and leases to total assets | 68.2195% | 3,656 |
| Net loans and leases to deposits | 73.7596% | 5,086 |
| Net loans and leases to core deposits | 90.2569% | 5,095 |
| Total domestic deposits to total assets | 92.4890% | 179 |
| Equity capital to assets | 7.0481% | 7,349 |
| Core capital (leverage) ratio | 6.8440% | 7,343 |
| Tier 1 risk-based capital ratio | 9.5776% | 7,179 |
| Total risk-based capital ratio | 10.8332% | 7,158 |
| Memoranda: | ||
| Average total assets | $54,425,800 | 6,543 |
| Average earning assets | $50,190,000 | 6,525 |
| Average equity | $4,267,800 | 7,189 |
| Average total loans | $40,090,000 | 6,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2124% | 1,345 |
| Cost of funding earning assets | 3.5192% | 64 |
| Net interest margin | 2.6933% | 7,219 |
| Noninterest income to average assets | 0.3263% | 5,876 |
| Noninterest expense to average assets | 2.4939% | 6,088 |
| Loan and lease loss provision to assets | 1.3955% | 1,379 |
| Net operating income to assets | -1.0570% | 6,868 |
| Return on assets (ROA) | -1.0570% | 6,874 |
| Pretax return on assets | -1.0692% | 6,735 |
| Return on Equity (ROE) | -13.1564% | 7,084 |
| Retained earnings to average equity (ytd only) | -13.3080% | 7,027 |
| Net charge-offs to loans | 1.8981% | 1,057 |
| Credit loss provision to net charge-offs | 98.4536% | 5,197 |
| Earnings coverage of net charge-offs (x) | 0.2302% | 5,787 |
| Efficiency ratio | 88.4283% | 1,823 |
| Assets per employee ($millions) | 4.5688% | 2,751 |
| Cash dividends to net income (ytd only)* | -1.1527% | 7,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,107 |
| Loan loss allowance to noncurrent loans | 97.1311% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 4,167 |
| Noncurrent loans to loans | 1.2358% | 4,880 |
| Net loans and leases to total assets | 71.1591% | 3,232 |
| Net loans and leases to deposits | 77.1923% | 4,865 |
| Net loans and leases to core deposits | 96.1906% | 4,791 |
| Total domestic deposits to total assets | 92.1842% | 150 |
| Equity capital to assets | 7.2285% | 7,465 |
| Core capital (leverage) ratio | 6.9689% | 7,455 |
| Tier 1 risk-based capital ratio | 9.4929% | 7,381 |
| Total risk-based capital ratio | 10.6508% | 7,405 |
| Memoranda: | ||
| Average total assets | $54,745,000 | 6,587 |
| Average earning assets | $50,692,750 | 6,549 |
| Average equity | $4,398,250 | 7,215 |
| Average total loans | $40,881,000 | 6,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2505% | 1,331 |
| Cost of funding earning assets | 3.6254% | 73 |
| Net interest margin | 2.6251% | 7,327 |
| Noninterest income to average assets | 0.3399% | 5,795 |
| Noninterest expense to average assets | 2.4306% | 6,370 |
| Loan and lease loss provision to assets | 0.2961% | 4,191 |
| Net operating income to assets | 0.0512% | 5,703 |
| Return on assets (ROA) | 0.0512% | 5,795 |
| Pretax return on assets | 0.0402% | 5,793 |
| Return on Equity (ROE) | 0.6163% | 5,749 |
| Retained earnings to average equity (ytd only) | 0.3962% | 5,057 |
| Net charge-offs to loans | 0.2128% | 4,181 |
| Credit loss provision to net charge-offs | 184.0909% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 4,032 |
| Efficiency ratio | 87.8468% | 2,032 |
| Assets per employee ($millions) | 5.0829% | 1,990 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,586 |
| Loan loss allowance to noncurrent loans | 53.0612% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3376% | 2,781 |
| Noncurrent loans to loans | 2.3593% | 3,069 |
| Net loans and leases to total assets | 73.3617% | 2,870 |
| Net loans and leases to deposits | 80.3408% | 4,493 |
| Net loans and leases to core deposits | 101.3791% | 4,364 |
| Total domestic deposits to total assets | 91.3131% | 369 |
| Equity capital to assets | 8.0949% | 6,638 |
| Core capital (leverage) ratio | 7.7943% | 6,623 |
| Tier 1 risk-based capital ratio | 10.1571% | 6,765 |
| Total risk-based capital ratio | 11.3760% | 6,723 |
| Memoranda: | ||
| Average total assets | $54,718,330 | 6,646 |
| Average earning assets | $50,587,670 | 6,608 |
| Average equity | $4,543,330 | 7,229 |
| Average total loans | $41,345,670 | 6,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 1,570 |
| Cost of funding earning assets | 3.6946% | 92 |
| Net interest margin | 2.5136% | 7,483 |
| Noninterest income to average assets | 0.2365% | 6,566 |
| Noninterest expense to average assets | 2.3724% | 6,281 |
| Loan and lease loss provision to assets | 0.2882% | 3,649 |
| Net operating income to assets | -0.0887% | 6,397 |
| Return on assets (ROA) | -0.0887% | 6,512 |
| Pretax return on assets | -0.0961% | 6,472 |
| Return on Equity (ROE) | -1.0545% | 6,546 |
| Retained earnings to average equity (ytd only) | -1.4938% | 6,001 |
| Net charge-offs to loans | 0.1939% | 3,478 |
| Credit loss provision to net charge-offs | 195.0000% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.3000% | 4,087 |
| Efficiency ratio | 92.5072% | 1,537 |
| Assets per employee ($millions) | 4.5382% | 2,658 |
| Cash dividends to net income (ytd only)* | -41.6667% | 8,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 4,727 |
| Loan loss allowance to noncurrent loans | 47.8551% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.2751% | 2,520 |
| Noncurrent loans to loans | 2.5311% | 2,605 |
| Net loans and leases to total assets | 75.1809% | 2,461 |
| Net loans and leases to deposits | 82.6310% | 4,191 |
| Net loans and leases to core deposits | 104.3055% | 4,107 |
| Total domestic deposits to total assets | 90.9839% | 420 |
| Equity capital to assets | 8.4212% | 6,199 |
| Core capital (leverage) ratio | 7.9577% | 6,534 |
| Tier 1 risk-based capital ratio | 10.1310% | 6,772 |
| Total risk-based capital ratio | 11.3115% | 6,762 |
| Memoranda: | ||
| Average total assets | $54,121,500 | 6,702 |
| Average earning assets | $50,127,500 | 6,656 |
| Average equity | $4,552,000 | 7,272 |
| Average total loans | $41,249,500 | 6,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1809% | 773 |
| Cost of funding earning assets | 4.0584% | 81 |
| Net interest margin | 3.1225% | 6,586 |
| Noninterest income to average assets | 0.4576% | 4,980 |
| Noninterest expense to average assets | 2.5901% | 5,687 |
| Loan and lease loss provision to assets | 0.6414% | 2,265 |
| Net operating income to assets | 0.0245% | 6,299 |
| Return on assets (ROA) | 0.0245% | 6,154 |
| Pretax return on assets | 0.0409% | 6,071 |
| Return on Equity (ROE) | 0.2731% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.1593% | 5,134 |
| Net charge-offs to loans | 0.5643% | 2,125 |
| Credit loss provision to net charge-offs | 150.9615% | 3,476 |
| Earnings coverage of net charge-offs (x) | 1.6058% | 5,288 |
| Efficiency ratio | 79.1511% | 2,729 |
| Assets per employee ($millions) | 4.1373% | 3,238 |
| Cash dividends to net income (ytd only)* | 41.6667% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 4,726 |
| Loan loss allowance to noncurrent loans | 54.8241% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.0340% | 2,421 |
| Noncurrent loans to loans | 2.1459% | 2,569 |
| Net loans and leases to total assets | 75.4337% | 2,776 |
| Net loans and leases to deposits | 82.8913% | 4,589 |
| Net loans and leases to core deposits | 106.1483% | 4,178 |
| Total domestic deposits to total assets | 91.0031% | 327 |
| Equity capital to assets | 8.4001% | 6,256 |
| Core capital (leverage) ratio | 7.8747% | 6,690 |
| Tier 1 risk-based capital ratio | 10.3570% | 6,357 |
| Total risk-based capital ratio | 11.5137% | 6,325 |
| Memoranda: | ||
| Average total assets | $48,954,800 | 6,825 |
| Average earning assets | $44,131,000 | 6,849 |
| Average equity | $4,393,200 | 7,362 |
| Average total loans | $36,857,800 | 6,322 |