Home > Progressive National Bank > Performance and Condition Ratios
Progressive National 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 | 5.1660% | 1,731 |
| Cost of funding earning assets | 0.8980% | 3,525 |
| Net interest margin | 4.2681% | 849 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 3.4929% | 581 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3968% | 1,222 |
| Return on assets (ROA) | 1.3968% | 1,196 |
| Pretax return on assets | 1.3968% | 1,642 |
| Return on Equity (ROE) | 14.0000% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.7001% | 2,710 |
| Net charge-offs to loans | 0.0360% | 1,585 |
| Credit loss provision to net charge-offs | 107.1429% | 1,774 |
| Earnings coverage of net charge-offs (x) | 60.2143% | 1,187 |
| Efficiency ratio | 71.0657% | 1,752 |
| Assets per employee ($millions) | 3.7268% | 4,236 |
| Cash dividends to net income (ytd only)* | 66.4251% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,398 |
| Loan loss allowance to noncurrent loans | 952.9412% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,064 |
| Noncurrent loans to loans | 0.1031% | 3,023 |
| Net loans and leases to total assets | 70.6300% | 1,744 |
| Net loans and leases to deposits | 79.0127% | 2,187 |
| Net loans and leases to core deposits | 90.4885% | 2,018 |
| Total domestic deposits to total assets | 89.3900% | 948 |
| Equity capital to assets | 10.4059% | 1,778 |
| Core capital (leverage) ratio | 10.4872% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,553,800 | 3,665 |
| Average earning assets | $107,800,000 | 3,667 |
| Average equity | $11,829,600 | 3,544 |
| Average total loans | $77,675,200 | 3,446 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 2,318 |
| Cost of funding earning assets | 0.7755% | 3,587 |
| Net interest margin | 3.9993% | 1,217 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.3090% | 712 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2036% | 1,789 |
| Return on assets (ROA) | 1.2036% | 1,779 |
| Pretax return on assets | 1.2036% | 2,289 |
| Return on Equity (ROE) | 12.1900% | 2,075 |
| Retained earnings to average equity (ytd only) | 12.1883% | 941 |
| Net charge-offs to loans | 0.0314% | 1,452 |
| Credit loss provision to net charge-offs | 127.7778% | 1,438 |
| Earnings coverage of net charge-offs (x) | 61.1111% | 1,194 |
| Efficiency ratio | 72.9131% | 1,460 |
| Assets per employee ($millions) | 3.9521% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,331 |
| Loan loss allowance to noncurrent loans | 1,935.7143% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,435 |
| Noncurrent loans to loans | 0.0519% | 3,385 |
| Net loans and leases to total assets | 69.8400% | 1,848 |
| Net loans and leases to deposits | 78.7368% | 2,170 |
| Net loans and leases to core deposits | 87.7116% | 2,074 |
| Total domestic deposits to total assets | 88.7000% | 1,344 |
| Equity capital to assets | 10.8253% | 1,419 |
| Core capital (leverage) ratio | 11.1222% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7167% | 730 |
| Memoranda: | ||
| Average total assets | $119,309,500 | 3,668 |
| Average earning assets | $108,481,750 | 3,671 |
| Average equity | $11,781,500 | 3,544 |
| Average total loans | $76,492,000 | 3,468 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 1,957 |
| Cost of funding earning assets | 0.6649% | 3,589 |
| Net interest margin | 4.1533% | 997 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.2711% | 712 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1797% | 1,882 |
| Return on assets (ROA) | 1.1797% | 1,876 |
| Pretax return on assets | 1.1797% | 2,417 |
| Return on Equity (ROE) | 12.3200% | 2,063 |
| Retained earnings to average equity (ytd only) | 12.3218% | 926 |
| Net charge-offs to loans | 0.0453% | 1,052 |
| Credit loss provision to net charge-offs | 88.2353% | 1,512 |
| Earnings coverage of net charge-offs (x) | 42.8235% | 1,373 |
| Efficiency ratio | 73.0869% | 1,449 |
| Assets per employee ($millions) | 3.9014% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,262 |
| Loan loss allowance to noncurrent loans | 1,876.7442% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,414 |
| Noncurrent loans to loans | 0.0552% | 3,304 |
| Net loans and leases to total assets | 65.8200% | 2,175 |
| Net loans and leases to deposits | 73.5766% | 2,534 |
| Net loans and leases to core deposits | 80.0971% | 2,468 |
| Total domestic deposits to total assets | 89.4500% | 1,095 |
| Equity capital to assets | 10.2255% | 1,731 |
| Core capital (leverage) ratio | 10.4501% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8598% | 732 |
| Memoranda: | ||
| Average total assets | $120,875,667 | 3,669 |
| Average earning assets | $109,792,333 | 3,674 |
| Average equity | $11,573,000 | 3,583 |
| Average total loans | $75,037,333 | 3,489 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 2,145 |
| Cost of funding earning assets | 0.5465% | 3,546 |
| Net interest margin | 4.0252% | 1,219 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.1207% | 902 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2379% | 1,825 |
| Return on assets (ROA) | 1.2379% | 1,799 |
| Pretax return on assets | 1.2379% | 2,335 |
| Return on Equity (ROE) | 13.3600% | 1,909 |
| Retained earnings to average equity (ytd only) | 13.3621% | 1,035 |
| Net charge-offs to loans | 0.0869% | 643 |
| Credit loss provision to net charge-offs | 50.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,391 |
| Efficiency ratio | 71.1738% | 1,616 |
| Assets per employee ($millions) | 3.7833% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,281 |
| Loan loss allowance to noncurrent loans | 2,285.7143% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 3,495 |
| Noncurrent loans to loans | 0.0461% | 3,406 |
| Net loans and leases to total assets | 62.1000% | 2,455 |
| Net loans and leases to deposits | 68.8610% | 2,706 |
| Net loans and leases to core deposits | 75.1264% | 2,593 |
| Total domestic deposits to total assets | 90.1800% | 1,092 |
| Equity capital to assets | 9.5973% | 2,066 |
| Core capital (leverage) ratio | 10.0113% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8411% | 755 |
| Memoranda: | ||
| Average total assets | $122,793,000 | 3,697 |
| Average earning assets | $111,993,500 | 3,696 |
| Average equity | $11,375,500 | 3,636 |
| Average total loans | $73,637,000 | 3,551 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 1,680 |
| Cost of funding earning assets | 0.2497% | 3,319 |
| Net interest margin | 3.7632% | 1,236 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.0639% | 882 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1684% | 1,898 |
| Return on assets (ROA) | 1.1684% | 1,833 |
| Pretax return on assets | 1.1684% | 2,535 |
| Return on Equity (ROE) | 13.1400% | 1,758 |
| Retained earnings to average equity (ytd only) | 12.0478% | 655 |
| Net charge-offs to loans | 0.0197% | 1,700 |
| Credit loss provision to net charge-offs | 230.7692% | 1,039 |
| Earnings coverage of net charge-offs (x) | 105.3846% | 954 |
| Efficiency ratio | 71.9492% | 1,449 |
| Assets per employee ($millions) | 4.0168% | 4,280 |
| Cash dividends to net income (ytd only)* | 8.2836% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 2,725 |
| Loan loss allowance to noncurrent loans | 897.7778% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,066 |
| Noncurrent loans to loans | 0.1262% | 2,883 |
| Net loans and leases to total assets | 56.6100% | 2,959 |
| Net loans and leases to deposits | 62.2259% | 3,179 |
| Net loans and leases to core deposits | 67.1439% | 3,059 |
| Total domestic deposits to total assets | 90.9700% | 971 |
| Equity capital to assets | 8.9399% | 2,397 |
| Core capital (leverage) ratio | 9.6160% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2410% | 696 |
| Memoranda: | ||
| Average total assets | $114,689,200 | 3,781 |
| Average earning assets | $105,707,400 | 3,776 |
| Average equity | $10,201,000 | 3,845 |
| Average total loans | $66,010,800 | 3,643 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 1,619 |
| Cost of funding earning assets | 0.2097% | 3,152 |
| Net interest margin | 3.6407% | 1,296 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 3.0520% | 849 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1322% | 1,966 |
| Return on assets (ROA) | 1.1322% | 1,931 |
| Pretax return on assets | 1.1322% | 2,620 |
| Return on Equity (ROE) | 12.7500% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.2621% | 981 |
| Net charge-offs to loans | 0.0247% | 1,333 |
| Credit loss provision to net charge-offs | 191.6667% | 999 |
| Earnings coverage of net charge-offs (x) | 81.3333% | 1,038 |
| Efficiency ratio | 72.4683% | 1,449 |
| Assets per employee ($millions) | 4.2764% | 4,183 |
| Cash dividends to net income (ytd only)* | 11.6474% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,314.7541% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,352 |
| Noncurrent loans to loans | 0.0887% | 3,246 |
| Net loans and leases to total assets | 58.9000% | 2,610 |
| Net loans and leases to deposits | 65.1635% | 2,779 |
| Net loans and leases to core deposits | 68.6666% | 2,745 |
| Total domestic deposits to total assets | 90.3800% | 1,487 |
| Equity capital to assets | 9.2281% | 2,056 |
| Core capital (leverage) ratio | 9.9410% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2571% | 707 |
| Memoranda: | ||
| Average total assets | $112,231,250 | 3,832 |
| Average earning assets | $103,640,500 | 3,822 |
| Average equity | $9,968,250 | 3,921 |
| Average total loans | $64,689,750 | 3,679 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 1,475 |
| Cost of funding earning assets | 0.1870% | 3,085 |
| Net interest margin | 3.5419% | 1,201 |
| Noninterest income to average assets | 0.9554% | 742 |
| Noninterest expense to average assets | 3.0102% | 828 |
| Loan and lease loss provision to assets | 0.0270% | 2,110 |
| Net operating income to assets | 1.1893% | 1,462 |
| Return on assets (ROA) | 1.1893% | 1,441 |
| Pretax return on assets | 1.1893% | 2,111 |
| Return on Equity (ROE) | 13.5738% | 1,215 |
| Retained earnings to average equity (ytd only) | 11.2944% | 742 |
| Net charge-offs to loans | 0.0316% | 1,092 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 1,022 |
| Efficiency ratio | 71.2218% | 1,803 |
| Assets per employee ($millions) | 4.0605% | 4,337 |
| Cash dividends to net income (ytd only)* | 16.7927% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,304 |
| Loan loss allowance to noncurrent loans | 1,047.3684% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,305 |
| Noncurrent loans to loans | 0.1217% | 3,119 |
| Net loans and leases to total assets | 54.2223% | 2,940 |
| Net loans and leases to deposits | 59.9619% | 3,050 |
| Net loans and leases to core deposits | 63.4076% | 3,011 |
| Total domestic deposits to total assets | 90.4279% | 1,502 |
| Equity capital to assets | 9.2757% | 2,184 |
| Core capital (leverage) ratio | 9.6891% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6484% | 570 |
| Memoranda: | ||
| Average total assets | $111,154,333 | 3,887 |
| Average earning assets | $102,655,667 | 3,888 |
| Average equity | $9,739,333 | 4,024 |
| Average total loans | $63,317,667 | 3,737 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 1,239 |
| Cost of funding earning assets | 0.1536% | 3,451 |
| Net interest margin | 3.5645% | 954 |
| Noninterest income to average assets | 0.6552% | 1,469 |
| Noninterest expense to average assets | 2.8758% | 1,004 |
| Loan and lease loss provision to assets | 0.0291% | 1,842 |
| Net operating income to assets | 1.0447% | 1,708 |
| Return on assets (ROA) | 1.0447% | 1,704 |
| Pretax return on assets | 1.0447% | 2,311 |
| Return on Equity (ROE) | 12.2965% | 1,227 |
| Retained earnings to average equity (ytd only) | 7.7549% | 1,653 |
| Net charge-offs to loans | 0.0314% | 990 |
| Credit loss provision to net charge-offs | 160.0000% | 839 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 858 |
| Efficiency ratio | 72.8111% | 1,877 |
| Assets per employee ($millions) | 4.0321% | 4,388 |
| Cash dividends to net income (ytd only)* | 36.9338% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,619 |
| Loan loss allowance to noncurrent loans | 1,102.7778% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,422 |
| Noncurrent loans to loans | 0.1130% | 3,264 |
| Net loans and leases to total assets | 55.7264% | 2,555 |
| Net loans and leases to deposits | 60.8647% | 2,822 |
| Net loans and leases to core deposits | 64.5331% | 2,755 |
| Total domestic deposits to total assets | 91.5579% | 773 |
| Equity capital to assets | 8.2242% | 3,380 |
| Core capital (leverage) ratio | 8.8550% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4753% | 974 |
| Memoranda: | ||
| Average total assets | $109,884,000 | 3,918 |
| Average earning assets | $101,556,000 | 3,922 |
| Average equity | $9,336,000 | 4,129 |
| Average total loans | $63,754,500 | 3,733 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 2,146 |
| Cost of funding earning assets | 0.2059% | 3,409 |
| Net interest margin | 3.4823% | 1,792 |
| Noninterest income to average assets | 2.6172% | 217 |
| Noninterest expense to average assets | 3.1605% | 774 |
| Loan and lease loss provision to assets | 0.4759% | 124 |
| Net operating income to assets | 2.1840% | 252 |
| Return on assets (ROA) | 2.1840% | 264 |
| Pretax return on assets | 2.1840% | 428 |
| Return on Equity (ROE) | 26.1391% | 103 |
| Retained earnings to average equity (ytd only) | 13.3246% | 365 |
| Net charge-offs to loans | 0.0053% | 2,395 |
| Credit loss provision to net charge-offs | 16,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 894.3333% | 167 |
| Efficiency ratio | 54.3008% | 3,900 |
| Assets per employee ($millions) | 3.9581% | 4,440 |
| Cash dividends to net income (ytd only)* | 49.0241% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,675 |
| Loan loss allowance to noncurrent loans | 1,163.2353% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,533 |
| Noncurrent loans to loans | 0.1066% | 3,396 |
| Net loans and leases to total assets | 58.9595% | 2,275 |
| Net loans and leases to deposits | 64.6867% | 2,626 |
| Net loans and leases to core deposits | 68.4609% | 2,606 |
| Total domestic deposits to total assets | 91.1463% | 436 |
| Equity capital to assets | 8.7836% | 3,820 |
| Core capital (leverage) ratio | 9.0857% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9303% | 1,053 |
| Memoranda: | ||
| Average total assets | $100,870,200 | 3,978 |
| Average earning assets | $92,783,200 | 3,989 |
| Average equity | $8,428,000 | 4,298 |
| Average total loans | $57,005,200 | 3,873 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 3,082 |
| Cost of funding earning assets | 0.2205% | 3,419 |
| Net interest margin | 3.1862% | 2,770 |
| Noninterest income to average assets | 3.5127% | 170 |
| Noninterest expense to average assets | 3.1598% | 760 |
| Loan and lease loss provision to assets | 0.6350% | 78 |
| Net operating income to assets | 2.6459% | 183 |
| Return on assets (ROA) | 2.6459% | 187 |
| Pretax return on assets | 2.6459% | 268 |
| Return on Equity (ROE) | 32.1103% | 75 |
| Retained earnings to average equity (ytd only) | 19.3932% | 152 |
| Net charge-offs to loans | 0.0072% | 2,053 |
| Credit loss provision to net charge-offs | 15,766.6667% | 47 |
| Earnings coverage of net charge-offs (x) | 815.0000% | 197 |
| Efficiency ratio | 49.0625% | 4,290 |
| Assets per employee ($millions) | 3.9544% | 4,472 |
| Cash dividends to net income (ytd only)* | 39.6045% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,646 |
| Loan loss allowance to noncurrent loans | 1,668.0851% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,848 |
| Noncurrent loans to loans | 0.0759% | 3,714 |
| Net loans and leases to total assets | 59.4495% | 2,327 |
| Net loans and leases to deposits | 65.7689% | 2,652 |
| Net loans and leases to core deposits | 69.7982% | 2,618 |
| Total domestic deposits to total assets | 90.3915% | 605 |
| Equity capital to assets | 9.0347% | 3,798 |
| Core capital (leverage) ratio | 9.0022% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3461% | 1,072 |
| Memoranda: | ||
| Average total assets | $99,370,250 | 4,045 |
| Average earning assets | $91,308,000 | 4,048 |
| Average equity | $8,188,250 | 4,376 |
| Average total loans | $55,306,250 | 3,958 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 2,831 |
| Cost of funding earning assets | 0.2346% | 3,432 |
| Net interest margin | 3.2851% | 2,495 |
| Noninterest income to average assets | 0.9489% | 1,159 |
| Noninterest expense to average assets | 3.0177% | 957 |
| Loan and lease loss provision to assets | 0.0305% | 2,369 |
| Net operating income to assets | 0.9224% | 3,152 |
| Return on assets (ROA) | 0.9224% | 3,231 |
| Pretax return on assets | 0.9224% | 3,613 |
| Return on Equity (ROE) | 11.5837% | 2,206 |
| Retained earnings to average equity (ytd only) | 10.8166% | 1,171 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,083 |
| Assets per employee ($millions) | 3.8060% | 4,545 |
| Cash dividends to net income (ytd only)* | 6.6225% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 4,692 |
| Loan loss allowance to noncurrent loans | 332.3232% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 3,569 |
| Noncurrent loans to loans | 0.1690% | 3,370 |
| Net loans and leases to total assets | 56.7024% | 2,815 |
| Net loans and leases to deposits | 61.9978% | 3,206 |
| Net loans and leases to core deposits | 65.5477% | 3,152 |
| Total domestic deposits to total assets | 91.4588% | 238 |
| Equity capital to assets | 8.2989% | 4,354 |
| Core capital (leverage) ratio | 8.3393% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0581% | 1,328 |
| Memoranda: | ||
| Average total assets | $98,222,000 | 4,081 |
| Average earning assets | $90,348,000 | 4,084 |
| Average equity | $7,821,333 | 4,431 |
| Average total loans | $53,106,000 | 4,021 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 2,879 |
| Cost of funding earning assets | 0.2513% | 3,467 |
| Net interest margin | 3.2624% | 2,504 |
| Noninterest income to average assets | 0.9421% | 1,232 |
| Noninterest expense to average assets | 3.0015% | 992 |
| Loan and lease loss provision to assets | 0.0333% | 2,334 |
| Net operating income to assets | 0.8838% | 3,170 |
| Return on assets (ROA) | 0.8838% | 3,250 |
| Pretax return on assets | 0.8838% | 3,639 |
| Return on Equity (ROE) | 11.3551% | 2,248 |
| Retained earnings to average equity (ytd only) | 10.9802% | 1,406 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5957% | 1,079 |
| Assets per employee ($millions) | 3.7995% | 4,582 |
| Cash dividends to net income (ytd only)* | 3.3019% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6299% | 4,652 |
| Loan loss allowance to noncurrent loans | 312.6214% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,662 |
| Noncurrent loans to loans | 0.2015% | 3,387 |
| Net loans and leases to total assets | 51.4217% | 3,500 |
| Net loans and leases to deposits | 55.8189% | 3,803 |
| Net loans and leases to core deposits | 58.9222% | 3,771 |
| Total domestic deposits to total assets | 92.1224% | 122 |
| Equity capital to assets | 7.6528% | 4,655 |
| Core capital (leverage) ratio | 7.8770% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2000% | 1,508 |
| Memoranda: | ||
| Average total assets | $95,952,500 | 4,119 |
| Average earning assets | $87,543,000 | 4,125 |
| Average equity | $7,468,000 | 4,487 |
| Average total loans | $50,360,500 | 4,095 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 2,973 |
| Cost of funding earning assets | 0.4804% | 3,075 |
| Net interest margin | 3.4402% | 2,645 |
| Noninterest income to average assets | 1.0616% | 943 |
| Noninterest expense to average assets | 3.5340% | 659 |
| Loan and lease loss provision to assets | 0.0353% | 3,966 |
| Net operating income to assets | 0.6325% | 3,641 |
| Return on assets (ROA) | 0.7489% | 3,391 |
| Pretax return on assets | 0.7489% | 3,767 |
| Return on Equity (ROE) | 9.0720% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.4831% | 2,054 |
| Net charge-offs to loans | 0.0045% | 3,195 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 361 |
| Efficiency ratio | 84.1074% | 624 |
| Assets per employee ($millions) | 3.7247% | 4,552 |
| Cash dividends to net income (ytd only)* | 39.5604% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 4,681 |
| Loan loss allowance to noncurrent loans | 290.7407% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 3,714 |
| Noncurrent loans to loans | 0.2177% | 3,421 |
| Net loans and leases to total assets | 52.9296% | 3,583 |
| Net loans and leases to deposits | 57.6901% | 3,907 |
| Net loans and leases to core deposits | 61.1092% | 3,881 |
| Total domestic deposits to total assets | 91.7481% | 94 |
| Equity capital to assets | 7.9211% | 4,739 |
| Core capital (leverage) ratio | 8.0208% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2535% | 1,463 |
| Memoranda: | ||
| Average total assets | $85,058,600 | 4,188 |
| Average earning assets | $77,640,600 | 4,191 |
| Average equity | $7,021,600 | 4,524 |
| Average total loans | $43,996,000 | 4,226 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,164 |
| Cost of funding earning assets | 0.5262% | 3,069 |
| Net interest margin | 3.4044% | 2,906 |
| Noninterest income to average assets | 0.8574% | 1,334 |
| Noninterest expense to average assets | 3.4342% | 768 |
| Loan and lease loss provision to assets | 0.0373% | 3,886 |
| Net operating income to assets | 0.5025% | 4,023 |
| Return on assets (ROA) | 0.6615% | 3,693 |
| Pretax return on assets | 0.6615% | 3,980 |
| Return on Equity (ROE) | 7.9233% | 2,834 |
| Retained earnings to average equity (ytd only) | 7.3079% | 1,585 |
| Net charge-offs to loans | 0.0063% | 2,910 |
| Credit loss provision to net charge-offs | 1,150.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 555 |
| Efficiency ratio | 86.4242% | 481 |
| Assets per employee ($millions) | 3.3115% | 4,739 |
| Cash dividends to net income (ytd only)* | 7.7670% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 4,676 |
| Loan loss allowance to noncurrent loans | 409.3333% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,016 |
| Noncurrent loans to loans | 0.1569% | 3,758 |
| Net loans and leases to total assets | 53.1288% | 3,880 |
| Net loans and leases to deposits | 58.1375% | 4,157 |
| Net loans and leases to core deposits | 61.7395% | 4,126 |
| Total domestic deposits to total assets | 91.3847% | 112 |
| Equity capital to assets | 8.2417% | 4,611 |
| Core capital (leverage) ratio | 8.2709% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,043,750 | 4,214 |
| Average earning assets | $76,016,750 | 4,222 |
| Average equity | $6,933,000 | 4,553 |
| Average total loans | $42,594,750 | 4,288 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 3,203 |
| Cost of funding earning assets | 0.5742% | 3,110 |
| Net interest margin | 3.4724% | 2,873 |
| Noninterest income to average assets | 0.9071% | 1,152 |
| Noninterest expense to average assets | 3.4577% | 786 |
| Loan and lease loss provision to assets | 0.0371% | 3,808 |
| Net operating income to assets | 0.5808% | 3,800 |
| Return on assets (ROA) | 0.5833% | 3,873 |
| Pretax return on assets | 0.5833% | 4,093 |
| Return on Equity (ROE) | 6.9538% | 3,149 |
| Retained earnings to average equity (ytd only) | 6.4234% | 1,893 |
| Net charge-offs to loans | 0.0049% | 2,793 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 370 |
| Efficiency ratio | 84.8393% | 594 |
| Assets per employee ($millions) | 3.3007% | 4,741 |
| Cash dividends to net income (ytd only)* | 7.6271% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 4,544 |
| Loan loss allowance to noncurrent loans | 379.7468% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 4,065 |
| Noncurrent loans to loans | 0.1866% | 3,711 |
| Net loans and leases to total assets | 48.9804% | 4,208 |
| Net loans and leases to deposits | 53.7306% | 4,388 |
| Net loans and leases to core deposits | 57.0123% | 4,399 |
| Total domestic deposits to total assets | 91.1592% | 120 |
| Equity capital to assets | 8.3724% | 4,550 |
| Core capital (leverage) ratio | 8.3968% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,921,333 | 4,242 |
| Average earning assets | $73,840,333 | 4,250 |
| Average equity | $6,787,667 | 4,592 |
| Average total loans | $40,856,333 | 4,339 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 3,093 |
| Cost of funding earning assets | 0.6328% | 3,254 |
| Net interest margin | 3.6064% | 2,645 |
| Noninterest income to average assets | 0.7901% | 1,343 |
| Noninterest expense to average assets | 3.6446% | 760 |
| Loan and lease loss provision to assets | 0.0408% | 3,262 |
| Net operating income to assets | 0.3874% | 4,165 |
| Return on assets (ROA) | 0.3874% | 4,200 |
| Pretax return on assets | 0.3874% | 4,313 |
| Return on Equity (ROE) | 4.6138% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.5210% | 2,882 |
| Net charge-offs to loans | 0.0100% | 2,216 |
| Credit loss provision to net charge-offs | 800.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 651 |
| Efficiency ratio | 89.4869% | 512 |
| Assets per employee ($millions) | 3.1527% | 4,722 |
| Cash dividends to net income (ytd only)* | 23.6842% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 4,545 |
| Loan loss allowance to noncurrent loans | 665.9091% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,324 |
| Noncurrent loans to loans | 0.1107% | 4,076 |
| Net loans and leases to total assets | 48.1390% | 4,330 |
| Net loans and leases to deposits | 52.8034% | 4,493 |
| Net loans and leases to core deposits | 56.3803% | 4,481 |
| Total domestic deposits to total assets | 91.1664% | 90 |
| Equity capital to assets | 8.5762% | 4,800 |
| Core capital (leverage) ratio | 8.9697% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4943% | 1,069 |
| Memoranda: | ||
| Average total assets | $78,473,000 | 4,285 |
| Average earning assets | $71,428,000 | 4,293 |
| Average equity | $6,589,000 | 4,651 |
| Average total loans | $40,117,500 | 4,375 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 2,276 |
| Cost of funding earning assets | 0.6112% | 3,593 |
| Net interest margin | 4.1070% | 1,524 |
| Noninterest income to average assets | 1.5895% | 367 |
| Noninterest expense to average assets | 3.8652% | 618 |
| Loan and lease loss provision to assets | 0.0718% | 2,563 |
| Net operating income to assets | 1.3281% | 1,586 |
| Return on assets (ROA) | 1.3267% | 1,671 |
| Pretax return on assets | 1.3267% | 2,405 |
| Return on Equity (ROE) | 16.5248% | 473 |
| Retained earnings to average equity (ytd only) | 15.7200% | 74 |
| Net charge-offs to loans | 0.0388% | 2,607 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 933 |
| Efficiency ratio | 73.4115% | 1,670 |
| Assets per employee ($millions) | 2.8837% | 4,871 |
| Cash dividends to net income (ytd only)* | 4.8701% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 4,562 |
| Loan loss allowance to noncurrent loans | 583.6735% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,298 |
| Noncurrent loans to loans | 0.1210% | 4,044 |
| Net loans and leases to total assets | 53.6125% | 4,102 |
| Net loans and leases to deposits | 58.5376% | 4,352 |
| Net loans and leases to core deposits | 60.9215% | 4,400 |
| Total domestic deposits to total assets | 91.5865% | 62 |
| Equity capital to assets | 8.2001% | 5,010 |
| Core capital (leverage) ratio | 8.1946% | 4,978 |
| Tier 1 risk-based capital ratio | 15.6550% | 2,521 |
| Total risk-based capital ratio | 16.3835% | 2,656 |
| Memoranda: | ||
| Average total assets | $69,646,600 | 4,436 |
| Average earning assets | $62,332,200 | 4,472 |
| Average equity | $5,591,600 | 4,812 |
| Average total loans | $38,698,000 | 4,433 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 2,303 |
| Cost of funding earning assets | 0.6069% | 3,660 |
| Net interest margin | 4.1322% | 1,545 |
| Noninterest income to average assets | 1.3428% | 520 |
| Noninterest expense to average assets | 3.8195% | 640 |
| Loan and lease loss provision to assets | 0.0839% | 2,227 |
| Net operating income to assets | 1.1203% | 2,493 |
| Return on assets (ROA) | 1.1183% | 2,589 |
| Pretax return on assets | 1.1183% | 3,246 |
| Return on Equity (ROE) | 14.0116% | 981 |
| Retained earnings to average equity (ytd only) | 12.9111% | 293 |
| Net charge-offs to loans | 0.0627% | 1,925 |
| Credit loss provision to net charge-offs | 238.8889% | 1,132 |
| Earnings coverage of net charge-offs (x) | 34.2771% | 1,501 |
| Efficiency ratio | 76.0295% | 1,330 |
| Assets per employee ($millions) | 2.7820% | 4,982 |
| Cash dividends to net income (ytd only)* | 7.8536% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,654 |
| Loan loss allowance to noncurrent loans | 372.9730% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,199 |
| Noncurrent loans to loans | 0.1877% | 3,865 |
| Net loans and leases to total assets | 54.1150% | 4,173 |
| Net loans and leases to deposits | 59.1856% | 4,419 |
| Net loans and leases to core deposits | 61.6823% | 4,468 |
| Total domestic deposits to total assets | 91.4327% | 67 |
| Equity capital to assets | 8.0102% | 5,126 |
| Core capital (leverage) ratio | 7.9983% | 5,120 |
| Tier 1 risk-based capital ratio | 14.9541% | 2,868 |
| Total risk-based capital ratio | 15.6663% | 3,034 |
| Memoranda: | ||
| Average total assets | $68,314,500 | 4,507 |
| Average earning assets | $60,854,500 | 4,556 |
| Average equity | $5,452,500 | 4,898 |
| Average total loans | $38,252,000 | 4,503 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 2,317 |
| Cost of funding earning assets | 0.5961% | 3,667 |
| Net interest margin | 4.1186% | 1,559 |
| Noninterest income to average assets | 1.6125% | 354 |
| Noninterest expense to average assets | 3.8701% | 615 |
| Loan and lease loss provision to assets | 0.1045% | 1,791 |
| Net operating income to assets | 1.2900% | 1,819 |
| Return on assets (ROA) | 1.2870% | 1,885 |
| Pretax return on assets | 1.2870% | 2,606 |
| Return on Equity (ROE) | 16.1463% | 566 |
| Retained earnings to average equity (ytd only) | 15.2847% | 161 |
| Net charge-offs to loans | 0.0898% | 1,470 |
| Credit loss provision to net charge-offs | 205.8824% | 1,180 |
| Earnings coverage of net charge-offs (x) | 27.4706% | 1,539 |
| Efficiency ratio | 73.5111% | 1,698 |
| Assets per employee ($millions) | 2.9686% | 4,927 |
| Cash dividends to net income (ytd only)* | 5.3364% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6852% | 4,737 |
| Loan loss allowance to noncurrent loans | 353.9474% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 3,864 |
| Noncurrent loans to loans | 0.1936% | 3,860 |
| Net loans and leases to total assets | 54.7259% | 4,162 |
| Net loans and leases to deposits | 59.6743% | 4,449 |
| Net loans and leases to core deposits | 61.9646% | 4,503 |
| Total domestic deposits to total assets | 91.7076% | 53 |
| Equity capital to assets | 7.9583% | 5,181 |
| Core capital (leverage) ratio | 8.0204% | 5,165 |
| Tier 1 risk-based capital ratio | 14.9544% | 2,867 |
| Total risk-based capital ratio | 15.6634% | 3,026 |
| Memoranda: | ||
| Average total assets | $66,975,000 | 4,569 |
| Average earning assets | $59,389,330 | 4,620 |
| Average equity | $5,338,670 | 4,943 |
| Average total loans | $37,863,000 | 4,547 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 2,351 |
| Cost of funding earning assets | 0.5738% | 3,709 |
| Net interest margin | 4.0855% | 1,590 |
| Noninterest income to average assets | 2.3319% | 200 |
| Noninterest expense to average assets | 4.2197% | 393 |
| Loan and lease loss provision to assets | 0.1666% | 1,008 |
| Net operating income to assets | 1.5916% | 914 |
| Return on assets (ROA) | 1.5855% | 952 |
| Pretax return on assets | 1.5855% | 1,514 |
| Return on Equity (ROE) | 19.8724% | 273 |
| Retained earnings to average equity (ytd only) | 18.0939% | 142 |
| Net charge-offs to loans | 0.1830% | 759 |
| Credit loss provision to net charge-offs | 158.8235% | 1,197 |
| Earnings coverage of net charge-offs (x) | 16.7647% | 1,685 |
| Efficiency ratio | 70.5882% | 2,254 |
| Assets per employee ($millions) | 3.0011% | 4,975 |
| Cash dividends to net income (ytd only)* | 8.9494% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 4,727 |
| Loan loss allowance to noncurrent loans | 330.3797% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 1,803 |
| Noncurrent loans to loans | 0.2192% | 3,802 |
| Net loans and leases to total assets | 51.8384% | 4,348 |
| Net loans and leases to deposits | 56.4625% | 4,576 |
| Net loans and leases to core deposits | 59.3922% | 4,597 |
| Total domestic deposits to total assets | 91.8103% | 71 |
| Equity capital to assets | 7.8970% | 5,206 |
| Core capital (leverage) ratio | 8.3741% | 5,075 |
| Tier 1 risk-based capital ratio | 15.5356% | 2,636 |
| Total risk-based capital ratio | 16.2727% | 2,797 |
| Memoranda: | ||
| Average total assets | $64,839,500 | 4,660 |
| Average earning assets | $57,863,000 | 4,696 |
| Average equity | $5,173,000 | 5,008 |
| Average total loans | $37,165,000 | 4,613 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,887 |
| Cost of funding earning assets | 0.4818% | 3,467 |
| Net interest margin | 4.2014% | 1,388 |
| Noninterest income to average assets | 0.9167% | 1,139 |
| Noninterest expense to average assets | 4.0182% | 520 |
| Loan and lease loss provision to assets | 0.0417% | 3,353 |
| Net operating income to assets | 0.5879% | 4,451 |
| Return on assets (ROA) | 0.5810% | 4,473 |
| Pretax return on assets | 0.5810% | 4,664 |
| Return on Equity (ROE) | 7.2014% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.2096% | 2,085 |
| Net charge-offs to loans | 0.0090% | 3,371 |
| Credit loss provision to net charge-offs | 800.0000% | 446 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 647 |
| Efficiency ratio | 86.4521% | 501 |
| Assets per employee ($millions) | 2.7570% | 5,113 |
| Cash dividends to net income (ytd only)* | 13.7725% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 4,890 |
| Loan loss allowance to noncurrent loans | 313.7500% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 4,165 |
| Noncurrent loans to loans | 0.2089% | 3,830 |
| Net loans and leases to total assets | 62.7108% | 3,493 |
| Net loans and leases to deposits | 68.4335% | 3,945 |
| Net loans and leases to core deposits | 72.4965% | 3,955 |
| Total domestic deposits to total assets | 91.6377% | 102 |
| Equity capital to assets | 8.0705% | 5,135 |
| Core capital (leverage) ratio | 8.1477% | 5,190 |
| Tier 1 risk-based capital ratio | 13.5054% | 3,544 |
| Total risk-based capital ratio | 14.1878% | 3,767 |
| Memoranda: | ||
| Average total assets | $57,488,800 | 4,807 |
| Average earning assets | $51,054,400 | 4,837 |
| Average equity | $4,638,000 | 5,095 |
| Average total loans | $33,403,800 | 4,737 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 1,999 |
| Cost of funding earning assets | 0.4494% | 3,527 |
| Net interest margin | 4.1426% | 1,515 |
| Noninterest income to average assets | 0.9218% | 1,136 |
| Noninterest expense to average assets | 4.0447% | 499 |
| Loan and lease loss provision to assets | 0.0376% | 3,253 |
| Net operating income to assets | 0.5244% | 4,708 |
| Return on assets (ROA) | 0.5197% | 4,717 |
| Pretax return on assets | 0.5197% | 4,874 |
| Return on Equity (ROE) | 6.4424% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.1015% | 3,181 |
| Net charge-offs to loans | 0.0083% | 3,118 |
| Credit loss provision to net charge-offs | 800.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 119.3483% | 660 |
| Efficiency ratio | 87.7999% | 414 |
| Assets per employee ($millions) | 2.5726% | 5,266 |
| Cash dividends to net income (ytd only)* | 20.8138% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 4,952 |
| Loan loss allowance to noncurrent loans | 428.0702% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,493 |
| Noncurrent loans to loans | 0.1537% | 4,189 |
| Net loans and leases to total assets | 62.2748% | 3,626 |
| Net loans and leases to deposits | 68.1046% | 4,050 |
| Net loans and leases to core deposits | 73.0560% | 4,007 |
| Total domestic deposits to total assets | 91.4399% | 140 |
| Equity capital to assets | 8.0446% | 5,158 |
| Core capital (leverage) ratio | 8.2891% | 5,210 |
| Tier 1 risk-based capital ratio | 13.6961% | 3,517 |
| Total risk-based capital ratio | 14.3845% | 3,735 |
| Memoranda: | ||
| Average total assets | $56,697,750 | 4,872 |
| Average earning assets | $50,434,250 | 4,899 |
| Average equity | $4,573,750 | 5,167 |
| Average total loans | $32,183,000 | 4,818 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 2,219 |
| Cost of funding earning assets | 0.4267% | 3,524 |
| Net interest margin | 4.0338% | 1,748 |
| Noninterest income to average assets | 0.8985% | 1,189 |
| Noninterest expense to average assets | 3.9482% | 574 |
| Loan and lease loss provision to assets | 0.0322% | 3,269 |
| Net operating income to assets | 0.5047% | 4,741 |
| Return on assets (ROA) | 0.4976% | 4,759 |
| Pretax return on assets | 0.4976% | 4,912 |
| Return on Equity (ROE) | 6.1618% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.6103% | 3,281 |
| Net charge-offs to loans | 0.0065% | 2,903 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 520 |
| Efficiency ratio | 88.0287% | 466 |
| Assets per employee ($millions) | 2.5996% | 5,304 |
| Cash dividends to net income (ytd only)* | 25.1799% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 5,001 |
| Loan loss allowance to noncurrent loans | 1,322.2222% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,773 |
| Noncurrent loans to loans | 0.0505% | 4,690 |
| Net loans and leases to total assets | 61.8461% | 3,619 |
| Net loans and leases to deposits | 67.6284% | 4,036 |
| Net loans and leases to core deposits | 72.6737% | 3,968 |
| Total domestic deposits to total assets | 91.4499% | 160 |
| Equity capital to assets | 8.2074% | 5,130 |
| Core capital (leverage) ratio | 8.3868% | 5,178 |
| Tier 1 risk-based capital ratio | 13.9224% | 3,395 |
| Total risk-based capital ratio | 14.6150% | 3,618 |
| Memoranda: | ||
| Average total assets | $55,873,670 | 4,945 |
| Average earning assets | $49,679,670 | 4,973 |
| Average equity | $4,511,670 | 5,231 |
| Average total loans | $30,546,670 | 4,914 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,374 |
| Cost of funding earning assets | 0.4223% | 3,424 |
| Net interest margin | 3.6381% | 3,035 |
| Noninterest income to average assets | 1.1446% | 708 |
| Noninterest expense to average assets | 4.0134% | 523 |
| Loan and lease loss provision to assets | 0.0362% | 3,018 |
| Net operating income to assets | 0.3405% | 5,027 |
| Return on assets (ROA) | 0.3405% | 5,031 |
| Pretax return on assets | 0.3405% | 5,111 |
| Return on Equity (ROE) | 4.2529% | 4,698 |
| Retained earnings to average equity (ytd only) | 2.9861% | 4,006 |
| Net charge-offs to loans | 0.0143% | 2,252 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 928 |
| Efficiency ratio | 91.4191% | 385 |
| Assets per employee ($millions) | 2.6738% | 5,345 |
| Cash dividends to net income (ytd only)* | 29.7872% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 4,691 |
| Loan loss allowance to noncurrent loans | 408.7719% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,198 |
| Noncurrent loans to loans | 0.2041% | 4,057 |
| Net loans and leases to total assets | 47.0836% | 4,750 |
| Net loans and leases to deposits | 51.2699% | 4,913 |
| Net loans and leases to core deposits | 55.0408% | 4,877 |
| Total domestic deposits to total assets | 91.8348% | 129 |
| Equity capital to assets | 7.8660% | 5,305 |
| Core capital (leverage) ratio | 8.2175% | 5,304 |
| Tier 1 risk-based capital ratio | 16.2752% | 2,365 |
| Total risk-based capital ratio | 17.0800% | 2,488 |
| Memoranda: | ||
| Average total assets | $55,214,500 | 5,014 |
| Average earning assets | $49,257,000 | 5,040 |
| Average equity | $4,420,500 | 5,297 |
| Average total loans | $28,015,500 | 5,022 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,142 |
| Cost of funding earning assets | 0.4521% | 2,759 |
| Net interest margin | 3.9095% | 2,056 |
| Noninterest income to average assets | 1.0064% | 1,007 |
| Noninterest expense to average assets | 4.0709% | 483 |
| Loan and lease loss provision to assets | 0.0371% | 3,526 |
| Net operating income to assets | 0.3768% | 4,762 |
| Return on assets (ROA) | 0.5609% | 4,216 |
| Pretax return on assets | 0.5857% | 4,770 |
| Return on Equity (ROE) | 6.9476% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.7944% | 1,157 |
| Net charge-offs to loans | 0.0350% | 3,092 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 23.2222% | 1,814 |
| Efficiency ratio | 90.4260% | 414 |
| Assets per employee ($millions) | 2.5803% | 5,424 |
| Cash dividends to net income (ytd only)* | 2.2059% | 4,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 4,775 |
| Loan loss allowance to noncurrent loans | 377.0492% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 4,093 |
| Noncurrent loans to loans | 0.2171% | 4,039 |
| Net loans and leases to total assets | 54.0092% | 4,364 |
| Net loans and leases to deposits | 58.9360% | 4,644 |
| Net loans and leases to core deposits | 63.9310% | 4,535 |
| Total domestic deposits to total assets | 91.6405% | 119 |
| Equity capital to assets | 8.1657% | 5,320 |
| Core capital (leverage) ratio | 8.2661% | 5,310 |
| Tier 1 risk-based capital ratio | 14.9604% | 2,868 |
| Total risk-based capital ratio | 15.7657% | 3,000 |
| Memoranda: | ||
| Average total assets | $48,490,200 | 5,185 |
| Average earning assets | $43,356,000 | 5,201 |
| Average equity | $3,915,000 | 5,440 |
| Average total loans | $25,701,200 | 5,137 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,223 |
| Cost of funding earning assets | 0.4524% | 2,695 |
| Net interest margin | 3.8625% | 2,175 |
| Noninterest income to average assets | 1.0368% | 943 |
| Noninterest expense to average assets | 3.8872% | 603 |
| Loan and lease loss provision to assets | 0.0363% | 3,385 |
| Net operating income to assets | 0.5497% | 4,575 |
| Return on assets (ROA) | 0.7992% | 3,574 |
| Pretax return on assets | 0.8328% | 4,261 |
| Return on Equity (ROE) | 9.9296% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.7212% | 645 |
| Net charge-offs to loans | 0.0212% | 3,052 |
| Credit loss provision to net charge-offs | 325.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 54.5328% | 1,055 |
| Efficiency ratio | 86.4512% | 603 |
| Assets per employee ($millions) | 2.5107% | 5,521 |
| Cash dividends to net income (ytd only)* | 2.0980% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 4,730 |
| Loan loss allowance to noncurrent loans | 216.9811% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 2,405 |
| Noncurrent loans to loans | 0.3951% | 3,542 |
| Net loans and leases to total assets | 52.9653% | 4,497 |
| Net loans and leases to deposits | 57.6970% | 4,778 |
| Net loans and leases to core deposits | 63.4871% | 4,630 |
| Total domestic deposits to total assets | 91.7991% | 74 |
| Equity capital to assets | 7.8604% | 5,555 |
| Core capital (leverage) ratio | 8.0661% | 5,492 |
| Tier 1 risk-based capital ratio | 14.5996% | 3,131 |
| Total risk-based capital ratio | 15.4418% | 3,260 |
| Memoranda: | ||
| Average total assets | $47,711,250 | 5,257 |
| Average earning assets | $42,734,750 | 5,271 |
| Average equity | $3,840,250 | 5,502 |
| Average total loans | $25,101,000 | 5,210 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 2,169 |
| Cost of funding earning assets | 0.4566% | 2,539 |
| Net interest margin | 3.8333% | 2,164 |
| Noninterest income to average assets | 1.0880% | 846 |
| Noninterest expense to average assets | 3.7716% | 695 |
| Loan and lease loss provision to assets | 0.0384% | 3,245 |
| Net operating income to assets | 0.6854% | 3,911 |
| Return on assets (ROA) | 1.0624% | 2,200 |
| Pretax return on assets | 1.1136% | 3,120 |
| Return on Equity (ROE) | 13.0892% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.0892% | 247 |
| Net charge-offs to loans | 0.0326% | 2,543 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 1,174 |
| Efficiency ratio | 83.3176% | 896 |
| Assets per employee ($millions) | 2.4886% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 4,632 |
| Loan loss allowance to noncurrent loans | 194.8276% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 2,388 |
| Noncurrent loans to loans | 0.4632% | 3,352 |
| Net loans and leases to total assets | 49.8634% | 4,718 |
| Net loans and leases to deposits | 54.2636% | 4,948 |
| Net loans and leases to core deposits | 59.7448% | 4,831 |
| Total domestic deposits to total assets | 91.8910% | 82 |
| Equity capital to assets | 7.8598% | 5,585 |
| Core capital (leverage) ratio | 8.1312% | 5,471 |
| Tier 1 risk-based capital ratio | 15.4912% | 2,708 |
| Total risk-based capital ratio | 16.3762% | 2,809 |
| Memoranda: | ||
| Average total assets | $46,877,000 | 5,313 |
| Average earning assets | $42,052,330 | 5,326 |
| Average equity | $3,804,670 | 5,550 |
| Average total loans | $24,526,000 | 5,267 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 1,712 |
| Cost of funding earning assets | 0.4488% | 2,533 |
| Net interest margin | 3.9322% | 1,666 |
| Noninterest income to average assets | 1.0478% | 912 |
| Noninterest expense to average assets | 3.8301% | 656 |
| Loan and lease loss provision to assets | 0.0440% | 2,916 |
| Net operating income to assets | 0.6737% | 3,818 |
| Return on assets (ROA) | 1.4352% | 953 |
| Pretax return on assets | 1.5408% | 1,411 |
| Return on Equity (ROE) | 17.3820% | 383 |
| Retained earnings to average equity (ytd only) | 17.3820% | 160 |
| Net charge-offs to loans | 0.0494% | 1,870 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,238 |
| Efficiency ratio | 83.3333% | 1,029 |
| Assets per employee ($millions) | 2.6086% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,710 |
| Loan loss allowance to noncurrent loans | 652.9412% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 2,859 |
| Noncurrent loans to loans | 0.1397% | 4,636 |
| Net loans and leases to total assets | 51.3524% | 4,565 |
| Net loans and leases to deposits | 56.0679% | 4,810 |
| Net loans and leases to core deposits | 62.1267% | 4,649 |
| Total domestic deposits to total assets | 91.5896% | 165 |
| Equity capital to assets | 8.1697% | 5,436 |
| Core capital (leverage) ratio | 8.3654% | 5,331 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,290 |
| Total risk-based capital ratio | 17.6316% | 2,345 |
| Memoranda: | ||
| Average total assets | $45,429,500 | 5,397 |
| Average earning assets | $40,994,500 | 5,406 |
| Average equity | $3,751,000 | 5,616 |
| Average total loans | $24,267,000 | 5,328 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 2,770 |
| Cost of funding earning assets | 0.4780% | 2,274 |
| Net interest margin | 3.6420% | 2,921 |
| Noninterest income to average assets | 1.1151% | 924 |
| Noninterest expense to average assets | 3.9897% | 608 |
| Loan and lease loss provision to assets | 0.0649% | 3,073 |
| Net operating income to assets | 0.1762% | 5,456 |
| Return on assets (ROA) | 0.1762% | 5,501 |
| Pretax return on assets | 0.3106% | 5,348 |
| Return on Equity (ROE) | 2.0479% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.0509% | 4,895 |
| Net charge-offs to loans | 0.0197% | 3,659 |
| Credit loss provision to net charge-offs | 700.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,165 |
| Efficiency ratio | 91.3967% | 491 |
| Assets per employee ($millions) | 2.4392% | 5,687 |
| Cash dividends to net income (ytd only)* | 48.6842% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,735 |
| Loan loss allowance to noncurrent loans | 83.3962% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 2,623 |
| Noncurrent loans to loans | 1.0950% | 1,904 |
| Net loans and leases to total assets | 54.6156% | 4,382 |
| Net loans and leases to deposits | 59.8487% | 4,678 |
| Net loans and leases to core deposits | 66.3687% | 4,505 |
| Total domestic deposits to total assets | 91.2561% | 214 |
| Equity capital to assets | 8.3498% | 5,390 |
| Core capital (leverage) ratio | 8.3742% | 5,388 |
| Tier 1 risk-based capital ratio | 15.6042% | 2,705 |
| Total risk-based capital ratio | 16.5347% | 2,777 |
| Memoranda: | ||
| Average total assets | $43,136,200 | 5,479 |
| Average earning assets | $38,495,600 | 5,496 |
| Average equity | $3,711,200 | 5,678 |
| Average total loans | $20,268,400 | 5,513 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,125 |
| Cost of funding earning assets | 0.4737% | 2,329 |
| Net interest margin | 3.5527% | 3,260 |
| Noninterest income to average assets | 1.0929% | 947 |
| Noninterest expense to average assets | 3.5301% | 1,093 |
| Loan and lease loss provision to assets | 0.0404% | 3,432 |
| Net operating income to assets | 0.4999% | 4,699 |
| Return on assets (ROA) | 0.4999% | 4,792 |
| Pretax return on assets | 0.6892% | 4,641 |
| Return on Equity (ROE) | 5.7666% | 4,185 |
| Retained earnings to average equity (ytd only) | 4.4414% | 3,169 |
| Net charge-offs to loans | 0.0207% | 3,283 |
| Credit loss provision to net charge-offs | 433.3333% | 793 |
| Earnings coverage of net charge-offs (x) | 78.3325% | 800 |
| Efficiency ratio | 82.8717% | 1,088 |
| Assets per employee ($millions) | 2.7435% | 5,584 |
| Cash dividends to net income (ytd only)* | 22.9805% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,656 |
| Loan loss allowance to noncurrent loans | 828.0000% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,804 |
| Noncurrent loans to loans | 0.1149% | 4,880 |
| Net loans and leases to total assets | 49.0910% | 4,888 |
| Net loans and leases to deposits | 53.9089% | 5,116 |
| Net loans and leases to core deposits | 60.2011% | 4,923 |
| Total domestic deposits to total assets | 91.0630% | 180 |
| Equity capital to assets | 8.6044% | 5,469 |
| Core capital (leverage) ratio | 8.6730% | 5,182 |
| Tier 1 risk-based capital ratio | 17.7051% | 2,003 |
| Total risk-based capital ratio | 18.6769% | 2,062 |
| Memoranda: | ||
| Average total assets | $42,944,000 | 5,546 |
| Average earning assets | $38,279,500 | 5,558 |
| Average equity | $3,722,500 | 5,738 |
| Average total loans | $19,285,500 | 5,596 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,385 |
| Cost of funding earning assets | 0.4745% | 2,320 |
| Net interest margin | 3.4849% | 3,541 |
| Noninterest income to average assets | 1.0557% | 1,003 |
| Noninterest expense to average assets | 3.4814% | 1,195 |
| Loan and lease loss provision to assets | 0.0422% | 3,302 |
| Net operating income to assets | 0.4410% | 4,898 |
| Return on assets (ROA) | 0.4410% | 4,985 |
| Pretax return on assets | 0.6334% | 4,808 |
| Return on Equity (ROE) | 5.0751% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.0751% | 2,680 |
| Net charge-offs to loans | 0.0325% | 2,803 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,017 |
| Efficiency ratio | 83.7472% | 1,072 |
| Assets per employee ($millions) | 2.7379% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,897 |
| Loan loss allowance to noncurrent loans | 882.6087% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,988 |
| Noncurrent loans to loans | 0.1257% | 4,934 |
| Net loans and leases to total assets | 41.3117% | 5,366 |
| Net loans and leases to deposits | 45.3616% | 5,517 |
| Net loans and leases to core deposits | 50.6578% | 5,408 |
| Total domestic deposits to total assets | 91.0720% | 182 |
| Equity capital to assets | 8.5810% | 5,549 |
| Core capital (leverage) ratio | 8.4153% | 5,436 |
| Tier 1 risk-based capital ratio | 20.5980% | 1,328 |
| Total risk-based capital ratio | 21.7157% | 1,331 |
| Memoranda: | ||
| Average total assets | $42,626,670 | 5,615 |
| Average earning assets | $37,935,000 | 5,630 |
| Average equity | $3,704,330 | 5,806 |
| Average total loans | $18,462,000 | 5,683 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,364 |
| Cost of funding earning assets | 0.4748% | 2,331 |
| Net interest margin | 3.4857% | 3,529 |
| Noninterest income to average assets | 1.0086% | 1,058 |
| Noninterest expense to average assets | 3.4922% | 1,197 |
| Loan and lease loss provision to assets | 0.0476% | 2,966 |
| Net operating income to assets | 0.3711% | 5,079 |
| Return on assets (ROA) | 0.3711% | 5,155 |
| Pretax return on assets | 0.5424% | 4,973 |
| Return on Equity (ROE) | 4.2426% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.2426% | 3,358 |
| Net charge-offs to loans | 0.0216% | 2,500 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 758 |
| Efficiency ratio | 85.5478% | 1,018 |
| Assets per employee ($millions) | 2.6641% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 4,073 |
| Loan loss allowance to noncurrent loans | 670.0000% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,955 |
| Noncurrent loans to loans | 0.1637% | 4,841 |
| Net loans and leases to total assets | 42.5337% | 5,324 |
| Net loans and leases to deposits | 46.7509% | 5,475 |
| Net loans and leases to core deposits | 50.2230% | 5,432 |
| Total domestic deposits to total assets | 90.9795% | 284 |
| Equity capital to assets | 8.6710% | 5,444 |
| Core capital (leverage) ratio | 8.8406% | 5,034 |
| Tier 1 risk-based capital ratio | 20.2150% | 1,458 |
| Total risk-based capital ratio | 21.3173% | 1,459 |
| Memoranda: | ||
| Average total assets | $42,037,000 | 5,674 |
| Average earning assets | $37,066,000 | 5,700 |
| Average equity | $3,677,000 | 5,861 |
| Average total loans | $18,543,000 | 5,733 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 2,868 |
| Cost of funding earning assets | 0.4775% | 2,375 |
| Net interest margin | 3.6348% | 2,998 |
| Noninterest income to average assets | 1.2048% | 824 |
| Noninterest expense to average assets | 3.5561% | 1,197 |
| Loan and lease loss provision to assets | 0.0437% | 3,454 |
| Net operating income to assets | 0.5805% | 4,382 |
| Return on assets (ROA) | 0.5805% | 4,471 |
| Pretax return on assets | 0.8040% | 4,169 |
| Return on Equity (ROE) | 6.7282% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.7282% | 1,418 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7501% | 1,573 |
| Assets per employee ($millions) | 2.5906% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 4,314 |
| Loan loss allowance to noncurrent loans | 579.4118% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 4,926 |
| Noncurrent loans to loans | 0.1813% | 4,769 |
| Net loans and leases to total assets | 44.7731% | 5,240 |
| Net loans and leases to deposits | 49.2464% | 5,426 |
| Net loans and leases to core deposits | 53.7010% | 5,334 |
| Total domestic deposits to total assets | 90.9165% | 302 |
| Equity capital to assets | 8.8253% | 5,286 |
| Core capital (leverage) ratio | 8.6489% | 5,280 |
| Tier 1 risk-based capital ratio | 20.0638% | 1,475 |
| Total risk-based capital ratio | 21.1476% | 1,470 |
| Memoranda: | ||
| Average total assets | $41,168,800 | 5,739 |
| Average earning assets | $36,233,000 | 5,760 |
| Average equity | $3,552,200 | 5,918 |
| Average total loans | $19,146,000 | 5,755 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 2,848 |
| Cost of funding earning assets | 0.4735% | 2,464 |
| Net interest margin | 3.6481% | 2,969 |
| Noninterest income to average assets | 1.2036% | 834 |
| Noninterest expense to average assets | 3.5199% | 1,252 |
| Loan and lease loss provision to assets | 0.0454% | 3,297 |
| Net operating income to assets | 0.6002% | 4,386 |
| Return on assets (ROA) | 0.6002% | 4,492 |
| Pretax return on assets | 0.8629% | 4,124 |
| Return on Equity (ROE) | 6.9960% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.9960% | 1,688 |
| Net charge-offs to loans | 0.0069% | 3,930 |
| Credit loss provision to net charge-offs | 1,400.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 280.6917% | 253 |
| Efficiency ratio | 79.4872% | 1,730 |
| Assets per employee ($millions) | 2.3012% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 4,781 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,777 |
| Noncurrent loans to loans | 0.2902% | 4,545 |
| Net loans and leases to total assets | 46.1228% | 5,220 |
| Net loans and leases to deposits | 50.7950% | 5,432 |
| Net loans and leases to core deposits | 55.8120% | 5,318 |
| Total domestic deposits to total assets | 90.8020% | 304 |
| Equity capital to assets | 8.7321% | 5,558 |
| Core capital (leverage) ratio | 8.6656% | 5,391 |
| Tier 1 risk-based capital ratio | 19.3099% | 1,703 |
| Total risk-based capital ratio | 20.3418% | 1,717 |
| Memoranda: | ||
| Average total assets | $41,098,750 | 5,818 |
| Average earning assets | $36,328,500 | 5,840 |
| Average equity | $3,525,750 | 6,003 |
| Average total loans | $19,243,750 | 5,822 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 2,825 |
| Cost of funding earning assets | 0.4832% | 2,401 |
| Net interest margin | 3.6378% | 2,951 |
| Noninterest income to average assets | 1.2003% | 842 |
| Noninterest expense to average assets | 3.5276% | 1,255 |
| Loan and lease loss provision to assets | 0.0439% | 3,232 |
| Net operating income to assets | 0.5709% | 4,469 |
| Return on assets (ROA) | 0.5709% | 4,572 |
| Pretax return on assets | 0.8246% | 4,232 |
| Return on Equity (ROE) | 6.6946% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.6946% | 1,849 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2442% | 1,724 |
| Assets per employee ($millions) | 2.5428% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,976 |
| Loan loss allowance to noncurrent loans | 250.6667% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 4,674 |
| Noncurrent loans to loans | 0.3902% | 4,311 |
| Net loans and leases to total assets | 46.7801% | 5,192 |
| Net loans and leases to deposits | 51.4893% | 5,419 |
| Net loans and leases to core deposits | 55.9962% | 5,309 |
| Total domestic deposits to total assets | 90.8539% | 341 |
| Equity capital to assets | 8.7356% | 5,497 |
| Core capital (leverage) ratio | 8.3747% | 5,654 |
| Tier 1 risk-based capital ratio | 19.4793% | 1,674 |
| Total risk-based capital ratio | 20.5185% | 1,693 |
| Memoranda: | ||
| Average total assets | $40,991,000 | 5,884 |
| Average earning assets | $36,010,670 | 5,903 |
| Average equity | $3,495,330 | 6,067 |
| Average total loans | $19,226,000 | 5,881 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,102 |
| Cost of funding earning assets | 0.4727% | 2,533 |
| Net interest margin | 3.5621% | 3,164 |
| Noninterest income to average assets | 1.1861% | 809 |
| Noninterest expense to average assets | 3.4999% | 1,312 |
| Loan and lease loss provision to assets | 0.0486% | 2,957 |
| Net operating income to assets | 0.5444% | 4,495 |
| Return on assets (ROA) | 0.5444% | 4,612 |
| Pretax return on assets | 0.7875% | 4,286 |
| Return on Equity (ROE) | 6.4628% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.4628% | 2,257 |
| Net charge-offs to loans | 0.0416% | 2,401 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 932 |
| Efficiency ratio | 80.7175% | 1,797 |
| Assets per employee ($millions) | 2.6312% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 5,286 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 4,954 |
| Noncurrent loans to loans | 0.2897% | 4,738 |
| Net loans and leases to total assets | 45.4880% | 5,237 |
| Net loans and leases to deposits | 49.8971% | 5,464 |
| Net loans and leases to core deposits | 54.0899% | 5,363 |
| Total domestic deposits to total assets | 91.1637% | 304 |
| Equity capital to assets | 8.3019% | 5,869 |
| Core capital (leverage) ratio | 8.2863% | 5,747 |
| Tier 1 risk-based capital ratio | 18.8514% | 1,912 |
| Total risk-based capital ratio | 19.8421% | 1,928 |
| Memoranda: | ||
| Average total assets | $41,144,500 | 5,935 |
| Average earning assets | $36,383,000 | 5,955 |
| Average equity | $3,466,000 | 6,130 |
| Average total loans | $19,229,000 | 5,932 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 2,077 |
| Cost of funding earning assets | 0.5009% | 2,672 |
| Net interest margin | 3.9475% | 2,060 |
| Noninterest income to average assets | 1.4925% | 546 |
| Noninterest expense to average assets | 4.1506% | 635 |
| Loan and lease loss provision to assets | 0.0475% | 3,623 |
| Net operating income to assets | 0.5532% | 4,588 |
| Return on assets (ROA) | 0.5722% | 4,580 |
| Pretax return on assets | 0.7911% | 4,292 |
| Return on Equity (ROE) | 6.5134% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.5134% | 1,632 |
| Net charge-offs to loans | 0.0383% | 4,063 |
| Credit loss provision to net charge-offs | 257.1429% | 993 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,016 |
| Efficiency ratio | 83.6344% | 1,459 |
| Assets per employee ($millions) | 2.5119% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 5,348 |
| Loan loss allowance to noncurrent loans | 716.0000% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 5,280 |
| Noncurrent loans to loans | 0.1307% | 5,375 |
| Net loans and leases to total assets | 47.1436% | 5,237 |
| Net loans and leases to deposits | 51.6859% | 5,501 |
| Net loans and leases to core deposits | 56.6868% | 5,337 |
| Total domestic deposits to total assets | 91.2117% | 298 |
| Equity capital to assets | 8.5519% | 5,699 |
| Core capital (leverage) ratio | 8.6911% | 5,355 |
| Tier 1 risk-based capital ratio | 19.3795% | 1,753 |
| Total risk-based capital ratio | 20.3911% | 1,777 |
| Memoranda: | ||
| Average total assets | $37,922,200 | 6,084 |
| Average earning assets | $33,337,600 | 6,108 |
| Average equity | $3,331,600 | 6,211 |
| Average total loans | $18,278,800 | 6,031 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,936 |
| Cost of funding earning assets | 0.5031% | 2,724 |
| Net interest margin | 3.9805% | 1,937 |
| Noninterest income to average assets | 1.5134% | 546 |
| Noninterest expense to average assets | 4.1296% | 660 |
| Loan and lease loss provision to assets | 0.0500% | 3,381 |
| Net operating income to assets | 0.5750% | 4,565 |
| Return on assets (ROA) | 0.5996% | 4,533 |
| Pretax return on assets | 0.8709% | 4,107 |
| Return on Equity (ROE) | 6.7768% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.7768% | 1,942 |
| Net charge-offs to loans | 0.0443% | 3,612 |
| Credit loss provision to net charge-offs | 233.3333% | 1,116 |
| Earnings coverage of net charge-offs (x) | 41.3325% | 1,099 |
| Efficiency ratio | 82.3488% | 1,570 |
| Assets per employee ($millions) | 2.3969% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 5,427 |
| Loan loss allowance to noncurrent loans | 475.6757% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 5,308 |
| Noncurrent loans to loans | 0.1999% | 5,305 |
| Net loans and leases to total assets | 47.8110% | 5,225 |
| Net loans and leases to deposits | 53.1494% | 5,448 |
| Net loans and leases to core deposits | 58.6583% | 5,293 |
| Total domestic deposits to total assets | 89.9559% | 748 |
| Equity capital to assets | 8.8472% | 5,510 |
| Core capital (leverage) ratio | 8.8670% | 5,241 |
| Tier 1 risk-based capital ratio | 19.0337% | 1,898 |
| Total risk-based capital ratio | 20.0248% | 1,930 |
| Memoranda: | ||
| Average total assets | $37,355,250 | 6,172 |
| Average earning assets | $32,859,250 | 6,195 |
| Average equity | $3,305,250 | 6,284 |
| Average total loans | $18,067,000 | 6,106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 1,814 |
| Cost of funding earning assets | 0.5223% | 2,612 |
| Net interest margin | 3.9821% | 1,866 |
| Noninterest income to average assets | 1.3829% | 634 |
| Noninterest expense to average assets | 4.0839% | 694 |
| Loan and lease loss provision to assets | 0.0486% | 3,332 |
| Net operating income to assets | 0.5191% | 4,729 |
| Return on assets (ROA) | 0.5564% | 4,669 |
| Pretax return on assets | 0.8049% | 4,245 |
| Return on Equity (ROE) | 6.2882% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.2882% | 2,163 |
| Net charge-offs to loans | 0.0670% | 3,036 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,423 |
| Efficiency ratio | 83.6283% | 1,559 |
| Assets per employee ($millions) | 2.3686% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 5,572 |
| Loan loss allowance to noncurrent loans | 407.1429% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 5,033 |
| Noncurrent loans to loans | 0.2331% | 5,298 |
| Net loans and leases to total assets | 47.1001% | 5,254 |
| Net loans and leases to deposits | 52.6347% | 5,454 |
| Net loans and leases to core deposits | 58.1831% | 5,260 |
| Total domestic deposits to total assets | 89.4849% | 1,101 |
| Equity capital to assets | 8.7736% | 5,541 |
| Core capital (leverage) ratio | 8.8721% | 5,207 |
| Tier 1 risk-based capital ratio | 16.2121% | 2,972 |
| Total risk-based capital ratio | 17.0479% | 3,129 |
| Memoranda: | ||
| Average total assets | $37,023,330 | 6,238 |
| Average earning assets | $32,545,670 | 6,266 |
| Average equity | $3,276,000 | 6,338 |
| Average total loans | $17,918,670 | 6,164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 1,761 |
| Cost of funding earning assets | 0.5239% | 2,669 |
| Net interest margin | 3.9917% | 1,801 |
| Noninterest income to average assets | 1.4869% | 529 |
| Noninterest expense to average assets | 4.2093% | 600 |
| Loan and lease loss provision to assets | 0.0547% | 3,022 |
| Net operating income to assets | 0.5029% | 4,673 |
| Return on assets (ROA) | 0.5029% | 4,758 |
| Pretax return on assets | 0.7216% | 4,413 |
| Return on Equity (ROE) | 5.6589% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6589% | 2,714 |
| Net charge-offs to loans | 0.0895% | 2,266 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,445 |
| Efficiency ratio | 84.4298% | 1,623 |
| Assets per employee ($millions) | 2.0612% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 5,760 |
| Loan loss allowance to noncurrent loans | 352.0833% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 5,062 |
| Noncurrent loans to loans | 0.2654% | 5,308 |
| Net loans and leases to total assets | 48.2885% | 5,087 |
| Net loans and leases to deposits | 53.2754% | 5,351 |
| Net loans and leases to core deposits | 58.9420% | 5,130 |
| Total domestic deposits to total assets | 90.6393% | 717 |
| Equity capital to assets | 8.8378% | 5,287 |
| Core capital (leverage) ratio | 9.0052% | 5,004 |
| Tier 1 risk-based capital ratio | 16.0706% | 3,141 |
| Total risk-based capital ratio | 16.9043% | 3,318 |
| Memoranda: | ||
| Average total assets | $36,586,000 | 6,313 |
| Average earning assets | $32,066,500 | 6,337 |
| Average equity | $3,251,500 | 6,399 |
| Average total loans | $17,867,500 | 6,223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 2,112 |
| Cost of funding earning assets | 0.5191% | 3,405 |
| Net interest margin | 4.0061% | 1,931 |
| Noninterest income to average assets | 1.5764% | 580 |
| Noninterest expense to average assets | 4.2260% | 682 |
| Loan and lease loss provision to assets | 0.0503% | 4,132 |
| Net operating income to assets | 0.5442% | 4,536 |
| Return on assets (ROA) | 0.5478% | 4,645 |
| Pretax return on assets | 0.8860% | 3,820 |
| Return on Equity (ROE) | 6.1912% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.1912% | 1,857 |
| Net charge-offs to loans | 0.0826% | 4,058 |
| Credit loss provision to net charge-offs | 128.5714% | 1,826 |
| Earnings coverage of net charge-offs (x) | 23.7857% | 1,398 |
| Efficiency ratio | 81.9512% | 1,882 |
| Assets per employee ($millions) | 2.5764% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 5,772 |
| Loan loss allowance to noncurrent loans | 292.9825% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 5,040 |
| Noncurrent loans to loans | 0.3229% | 5,215 |
| Net loans and leases to total assets | 48.4696% | 5,241 |
| Net loans and leases to deposits | 53.5631% | 5,503 |
| Net loans and leases to core deposits | 59.4377% | 5,259 |
| Total domestic deposits to total assets | 90.4907% | 819 |
| Equity capital to assets | 8.9382% | 5,110 |
| Core capital (leverage) ratio | 8.8788% | 5,168 |
| Tier 1 risk-based capital ratio | 16.1213% | 3,048 |
| Total risk-based capital ratio | 16.9645% | 3,199 |
| Memoranda: | ||
| Average total assets | $35,778,400 | 6,399 |
| Average earning assets | $31,976,200 | 6,399 |
| Average equity | $3,165,800 | 6,503 |
| Average total loans | $16,950,400 | 6,323 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,351 |
| Cost of funding earning assets | 0.5072% | 3,699 |
| Net interest margin | 3.9618% | 2,067 |
| Noninterest income to average assets | 1.9492% | 434 |
| Noninterest expense to average assets | 4.1225% | 745 |
| Loan and lease loss provision to assets | 0.0523% | 3,982 |
| Net operating income to assets | 0.9074% | 2,794 |
| Return on assets (ROA) | 0.9074% | 2,904 |
| Pretax return on assets | 1.3331% | 2,198 |
| Return on Equity (ROE) | 10.2813% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.2813% | 733 |
| Net charge-offs to loans | 0.0954% | 3,609 |
| Credit loss provision to net charge-offs | 116.6667% | 2,018 |
| Earnings coverage of net charge-offs (x) | 30.9156% | 1,216 |
| Efficiency ratio | 74.8475% | 2,936 |
| Assets per employee ($millions) | 2.2324% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 5,931 |
| Loan loss allowance to noncurrent loans | 118.5714% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 4,817 |
| Noncurrent loans to loans | 0.7979% | 4,246 |
| Net loans and leases to total assets | 48.6589% | 5,284 |
| Net loans and leases to deposits | 54.0473% | 5,535 |
| Net loans and leases to core deposits | 61.1455% | 5,201 |
| Total domestic deposits to total assets | 90.0302% | 981 |
| Equity capital to assets | 9.1466% | 4,998 |
| Core capital (leverage) ratio | 9.1095% | 4,956 |
| Tier 1 risk-based capital ratio | 17.0798% | 2,674 |
| Total risk-based capital ratio | 17.9498% | 2,812 |
| Memoranda: | ||
| Average total assets | $35,705,500 | 6,470 |
| Average earning assets | $32,071,750 | 6,467 |
| Average equity | $3,151,250 | 6,581 |
| Average total loans | $16,775,500 | 6,400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 2,788 |
| Cost of funding earning assets | 0.5002% | 3,896 |
| Net interest margin | 3.8409% | 2,407 |
| Noninterest income to average assets | 2.1456% | 404 |
| Noninterest expense to average assets | 4.0783% | 793 |
| Loan and lease loss provision to assets | 0.0504% | 3,977 |
| Net operating income to assets | 0.9692% | 2,468 |
| Return on assets (ROA) | 0.9692% | 2,610 |
| Pretax return on assets | 1.5013% | 1,616 |
| Return on Equity (ROE) | 11.1159% | 1,783 |
| Retained earnings to average equity (ytd only) | 11.1159% | 628 |
| Net charge-offs to loans | 0.1332% | 3,045 |
| Credit loss provision to net charge-offs | 81.8182% | 2,593 |
| Earnings coverage of net charge-offs (x) | 25.1818% | 1,270 |
| Efficiency ratio | 72.4378% | 3,397 |
| Assets per employee ($millions) | 2.2171% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 5,896 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 5,653 |
| Noncurrent loans to loans | 0.2721% | 5,619 |
| Net loans and leases to total assets | 46.1718% | 5,513 |
| Net loans and leases to deposits | 51.1045% | 5,764 |
| Net loans and leases to core deposits | 57.8273% | 5,437 |
| Total domestic deposits to total assets | 90.3479% | 829 |
| Equity capital to assets | 9.0432% | 5,173 |
| Core capital (leverage) ratio | 9.0486% | 4,911 |
| Tier 1 risk-based capital ratio | 18.6310% | 2,103 |
| Total risk-based capital ratio | 19.5772% | 2,166 |
| Memoranda: | ||
| Average total assets | $35,701,330 | 6,516 |
| Average earning assets | $32,388,330 | 6,505 |
| Average equity | $3,112,670 | 6,633 |
| Average total loans | $16,518,670 | 6,453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 2,682 |
| Cost of funding earning assets | 0.5055% | 4,031 |
| Net interest margin | 3.8469% | 2,296 |
| Noninterest income to average assets | 1.3849% | 803 |
| Noninterest expense to average assets | 4.0318% | 855 |
| Loan and lease loss provision to assets | 0.0558% | 3,706 |
| Net operating income to assets | 0.5026% | 4,644 |
| Return on assets (ROA) | 0.5026% | 4,794 |
| Pretax return on assets | 0.7818% | 4,241 |
| Return on Equity (ROE) | 5.8728% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8728% | 2,748 |
| Net charge-offs to loans | 0.0242% | 3,693 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 493 |
| Efficiency ratio | 82.7982% | 1,917 |
| Assets per employee ($millions) | 2.2684% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 5,927 |
| Loan loss allowance to noncurrent loans | 270.9677% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 5,017 |
| Noncurrent loans to loans | 0.3758% | 5,464 |
| Net loans and leases to total assets | 44.9992% | 5,546 |
| Net loans and leases to deposits | 49.5720% | 5,817 |
| Net loans and leases to core deposits | 56.8643% | 5,442 |
| Total domestic deposits to total assets | 90.7753% | 627 |
| Equity capital to assets | 8.5055% | 6,015 |
| Core capital (leverage) ratio | 8.4283% | 5,667 |
| Tier 1 risk-based capital ratio | 17.8928% | 2,413 |
| Total risk-based capital ratio | 18.8745% | 2,476 |
| Memoranda: | ||
| Average total assets | $35,815,000 | 6,573 |
| Average earning assets | $32,442,000 | 6,566 |
| Average equity | $3,065,000 | 6,705 |
| Average total loans | $16,507,500 | 6,506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 2,606 |
| Cost of funding earning assets | 0.5258% | 5,022 |
| Net interest margin | 4.1717% | 1,737 |
| Noninterest income to average assets | 1.5641% | 643 |
| Noninterest expense to average assets | 4.3177% | 669 |
| Loan and lease loss provision to assets | 0.0343% | 5,456 |
| Net operating income to assets | 0.6041% | 4,220 |
| Return on assets (ROA) | 0.6462% | 4,271 |
| Pretax return on assets | 1.0208% | 3,468 |
| Return on Equity (ROE) | 7.6860% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.6860% | 1,244 |
| Net charge-offs to loans | 0.0187% | 5,653 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 115.3333% | 332 |
| Efficiency ratio | 81.3578% | 1,963 |
| Assets per employee ($millions) | 2.2085% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 5,994 |
| Loan loss allowance to noncurrent loans | 241.1765% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 5,000 |
| Noncurrent loans to loans | 0.4117% | 5,455 |
| Net loans and leases to total assets | 46.2729% | 5,585 |
| Net loans and leases to deposits | 51.0761% | 5,878 |
| Net loans and leases to core deposits | 58.8271% | 5,472 |
| Total domestic deposits to total assets | 90.5960% | 665 |
| Equity capital to assets | 8.6116% | 5,956 |
| Core capital (leverage) ratio | 8.4809% | 5,640 |
| Tier 1 risk-based capital ratio | 17.6391% | 2,402 |
| Total risk-based capital ratio | 18.5980% | 2,479 |
| Memoranda: | ||
| Average total assets | $34,972,200 | 6,631 |
| Average earning assets | $31,378,400 | 6,629 |
| Average equity | $2,940,400 | 6,797 |
| Average total loans | $16,065,600 | 6,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 2,839 |
| Cost of funding earning assets | 0.5297% | 5,246 |
| Net interest margin | 4.1609% | 1,862 |
| Noninterest income to average assets | 1.5825% | 595 |
| Noninterest expense to average assets | 4.2620% | 681 |
| Loan and lease loss provision to assets | 0.0344% | 5,341 |
| Net operating income to assets | 0.7220% | 3,818 |
| Return on assets (ROA) | 0.7798% | 3,793 |
| Pretax return on assets | 1.0894% | 3,390 |
| Return on Equity (ROE) | 9.3315% | 2,659 |
| Retained earnings to average equity (ytd only) | 9.3315% | 1,117 |
| Net charge-offs to loans | 0.0251% | 5,321 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 90.9975% | 464 |
| Efficiency ratio | 80.3314% | 2,045 |
| Assets per employee ($millions) | 2.1849% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,094 |
| Loan loss allowance to noncurrent loans | 423.6842% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 5,388 |
| Noncurrent loans to loans | 0.2353% | 6,018 |
| Net loans and leases to total assets | 45.7336% | 5,793 |
| Net loans and leases to deposits | 50.4799% | 6,077 |
| Net loans and leases to core deposits | 57.2042% | 5,790 |
| Total domestic deposits to total assets | 90.5976% | 560 |
| Equity capital to assets | 8.6530% | 6,141 |
| Core capital (leverage) ratio | 8.4712% | 5,792 |
| Tier 1 risk-based capital ratio | 17.4483% | 2,560 |
| Total risk-based capital ratio | 18.3863% | 2,626 |
| Memoranda: | ||
| Average total assets | $34,881,250 | 6,721 |
| Average earning assets | $31,210,500 | 6,715 |
| Average equity | $2,914,750 | 6,893 |
| Average total loans | $15,953,250 | 6,685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 3,179 |
| Cost of funding earning assets | 0.5256% | 5,454 |
| Net interest margin | 4.1152% | 2,030 |
| Noninterest income to average assets | 1.5034% | 647 |
| Noninterest expense to average assets | 4.2461% | 693 |
| Loan and lease loss provision to assets | 0.0344% | 5,239 |
| Net operating income to assets | 0.6637% | 4,044 |
| Return on assets (ROA) | 0.7517% | 3,870 |
| Pretax return on assets | 1.0271% | 3,607 |
| Return on Equity (ROE) | 9.1035% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.1035% | 1,238 |
| Net charge-offs to loans | -0.0126% | 6,327 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8584% | 1,898 |
| Assets per employee ($millions) | 2.1168% | 7,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,184 |
| Loan loss allowance to noncurrent loans | 623.0769% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,156 |
| Noncurrent loans to loans | 0.1595% | 6,269 |
| Net loans and leases to total assets | 47.6467% | 5,651 |
| Net loans and leases to deposits | 53.2153% | 5,934 |
| Net loans and leases to core deposits | 60.6495% | 5,526 |
| Total domestic deposits to total assets | 89.5358% | 1,203 |
| Equity capital to assets | 8.7073% | 6,019 |
| Core capital (leverage) ratio | 8.5374% | 5,598 |
| Tier 1 risk-based capital ratio | 17.0698% | 2,640 |
| Total risk-based capital ratio | 18.0161% | 2,734 |
| Memoranda: | ||
| Average total assets | $34,855,330 | 6,769 |
| Average earning assets | $31,201,670 | 6,760 |
| Average equity | $2,878,000 | 6,939 |
| Average total loans | $15,888,000 | 6,741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 3,818 |
| Cost of funding earning assets | 0.5375% | 5,566 |
| Net interest margin | 3.9877% | 2,560 |
| Noninterest income to average assets | 1.3918% | 750 |
| Noninterest expense to average assets | 4.2208% | 719 |
| Loan and lease loss provision to assets | 0.0339% | 4,955 |
| Net operating income to assets | 0.5239% | 4,717 |
| Return on assets (ROA) | 0.6903% | 4,149 |
| Pretax return on assets | 0.9845% | 3,728 |
| Return on Equity (ROE) | 8.5840% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.5840% | 1,742 |
| Net charge-offs to loans | -0.0255% | 6,270 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3891% | 1,647 |
| Assets per employee ($millions) | 2.2001% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,244 |
| Loan loss allowance to noncurrent loans | 757.1429% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 6,324 |
| Noncurrent loans to loans | 0.1322% | 6,422 |
| Net loans and leases to total assets | 44.6891% | 5,932 |
| Net loans and leases to deposits | 48.8662% | 6,236 |
| Net loans and leases to core deposits | 55.2004% | 5,971 |
| Total domestic deposits to total assets | 91.4519% | 389 |
| Equity capital to assets | 8.1447% | 6,417 |
| Core capital (leverage) ratio | 8.2197% | 6,000 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,653 |
| Total risk-based capital ratio | 18.0256% | 2,730 |
| Memoranda: | ||
| Average total assets | $35,349,000 | 6,815 |
| Average earning assets | $31,998,500 | 6,795 |
| Average equity | $2,842,500 | 6,991 |
| Average total loans | $15,682,500 | 6,809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 4,228 |
| Cost of funding earning assets | 0.6335% | 5,906 |
| Net interest margin | 4.0710% | 2,563 |
| Noninterest income to average assets | 1.5027% | 580 |
| Noninterest expense to average assets | 4.3286% | 703 |
| Loan and lease loss provision to assets | 0.0449% | 6,017 |
| Net operating income to assets | 0.5009% | 4,422 |
| Return on assets (ROA) | 0.4281% | 4,938 |
| Pretax return on assets | 0.6705% | 4,435 |
| Return on Equity (ROE) | 5.2877% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.2877% | 2,459 |
| Net charge-offs to loans | 0.1223% | 5,164 |
| Credit loss provision to net charge-offs | 83.3333% | 4,310 |
| Earnings coverage of net charge-offs (x) | 15.3889% | 1,396 |
| Efficiency ratio | 83.9234% | 1,772 |
| Assets per employee ($millions) | 2.2186% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,212 |
| Loan loss allowance to noncurrent loans | 151.9608% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 5,828 |
| Noncurrent loans to loans | 0.6591% | 5,387 |
| Net loans and leases to total assets | 43.1586% | 6,282 |
| Net loans and leases to deposits | 46.9492% | 6,570 |
| Net loans and leases to core deposits | 52.0716% | 6,425 |
| Total domestic deposits to total assets | 91.9261% | 250 |
| Equity capital to assets | 7.9387% | 6,612 |
| Core capital (leverage) ratio | 8.0026% | 6,264 |
| Tier 1 risk-based capital ratio | 16.7920% | 2,695 |
| Total risk-based capital ratio | 17.7246% | 2,799 |
| Memoranda: | ||
| Average total assets | $33,405,800 | 6,877 |
| Average earning assets | $29,992,400 | 6,870 |
| Average equity | $2,704,400 | 7,075 |
| Average total loans | $14,715,400 | 6,918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 4,191 |
| Cost of funding earning assets | 0.6612% | 5,975 |
| Net interest margin | 4.0984% | 2,486 |
| Noninterest income to average assets | 1.4475% | 628 |
| Noninterest expense to average assets | 4.3223% | 699 |
| Loan and lease loss provision to assets | 0.0487% | 5,836 |
| Net operating income to assets | 0.5824% | 4,163 |
| Return on assets (ROA) | 0.4622% | 4,903 |
| Pretax return on assets | 0.5920% | 4,836 |
| Return on Equity (ROE) | 5.6801% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.6801% | 2,755 |
| Net charge-offs to loans | 0.1561% | 4,524 |
| Credit loss provision to net charge-offs | 70.5882% | 4,465 |
| Earnings coverage of net charge-offs (x) | 11.5276% | 1,801 |
| Efficiency ratio | 84.4691% | 1,690 |
| Assets per employee ($millions) | 2.1051% | 7,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,110 |
| Loan loss allowance to noncurrent loans | 154.5455% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,417 |
| Noncurrent loans to loans | 0.6688% | 5,545 |
| Net loans and leases to total assets | 43.4963% | 6,383 |
| Net loans and leases to deposits | 48.1370% | 6,617 |
| Net loans and leases to core deposits | 54.3257% | 6,441 |
| Total domestic deposits to total assets | 90.3595% | 692 |
| Equity capital to assets | 8.2984% | 6,486 |
| Core capital (leverage) ratio | 8.2246% | 6,104 |
| Tier 1 risk-based capital ratio | 18.0818% | 2,222 |
| Total risk-based capital ratio | 19.0835% | 2,283 |
| Memoranda: | ||
| Average total assets | $32,883,000 | 6,956 |
| Average earning assets | $29,442,000 | 6,949 |
| Average equity | $2,676,000 | 7,146 |
| Average total loans | $14,525,500 | 6,992 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 3,698 |
| Cost of funding earning assets | 0.6826% | 6,056 |
| Net interest margin | 4.1991% | 2,039 |
| Noninterest income to average assets | 1.4716% | 593 |
| Noninterest expense to average assets | 4.2984% | 748 |
| Loan and lease loss provision to assets | 0.0552% | 5,628 |
| Net operating income to assets | 0.6967% | 3,562 |
| Return on assets (ROA) | 0.4905% | 4,683 |
| Pretax return on assets | 0.6009% | 4,738 |
| Return on Equity (ROE) | 6.0690% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.0690% | 2,381 |
| Net charge-offs to loans | 0.1386% | 4,366 |
| Credit loss provision to net charge-offs | 90.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,454 |
| Efficiency ratio | 82.5677% | 2,017 |
| Assets per employee ($millions) | 2.0660% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 6,151 |
| Loan loss allowance to noncurrent loans | 103.9735% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 5,637 |
| Noncurrent loans to loans | 1.0086% | 4,979 |
| Net loans and leases to total assets | 44.8149% | 6,365 |
| Net loans and leases to deposits | 49.0027% | 6,666 |
| Net loans and leases to core deposits | 55.7714% | 6,430 |
| Total domestic deposits to total assets | 91.4539% | 355 |
| Equity capital to assets | 8.3464% | 6,367 |
| Core capital (leverage) ratio | 8.3262% | 5,824 |
| Tier 1 risk-based capital ratio | 17.9852% | 2,179 |
| Total risk-based capital ratio | 19.0203% | 2,204 |
| Memoranda: | ||
| Average total assets | $32,617,000 | 7,024 |
| Average earning assets | $29,006,000 | 7,032 |
| Average equity | $2,636,330 | 7,217 |
| Average total loans | $14,433,000 | 7,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 3,038 |
| Cost of funding earning assets | 0.7104% | 6,081 |
| Net interest margin | 4.3044% | 1,553 |
| Noninterest income to average assets | 1.1482% | 988 |
| Noninterest expense to average assets | 4.1855% | 831 |
| Loan and lease loss provision to assets | 0.0370% | 5,524 |
| Net operating income to assets | 0.7408% | 3,320 |
| Return on assets (ROA) | 0.2963% | 5,496 |
| Pretax return on assets | 0.2963% | 5,665 |
| Return on Equity (ROE) | 3.7282% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.7282% | 3,936 |
| Net charge-offs to loans | 0.2542% | 3,062 |
| Credit loss provision to net charge-offs | 33.3333% | 4,063 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,018 |
| Efficiency ratio | 84.3284% | 1,919 |
| Assets per employee ($millions) | 2.0585% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,292 |
| Loan loss allowance to noncurrent loans | 74.1463% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 5,717 |
| Noncurrent loans to loans | 1.3865% | 4,392 |
| Net loans and leases to total assets | 44.4286% | 6,439 |
| Net loans and leases to deposits | 48.3640% | 6,733 |
| Net loans and leases to core deposits | 55.6663% | 6,442 |
| Total domestic deposits to total assets | 91.8630% | 325 |
| Equity capital to assets | 7.9882% | 6,511 |
| Core capital (leverage) ratio | 8.3289% | 5,752 |
| Tier 1 risk-based capital ratio | 16.4360% | 2,694 |
| Total risk-based capital ratio | 17.3710% | 2,820 |
| Memoranda: | ||
| Average total assets | $32,397,500 | 7,086 |
| Average earning assets | $28,715,000 | 7,086 |
| Average equity | $2,575,000 | 7,275 |
| Average total loans | $14,164,000 | 7,132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 1,688 |
| Cost of funding earning assets | 0.9754% | 5,812 |
| Net interest margin | 4.6930% | 831 |
| Noninterest income to average assets | 1.5574% | 606 |
| Noninterest expense to average assets | 4.8064% | 494 |
| Loan and lease loss provision to assets | 0.0479% | 6,683 |
| Net operating income to assets | 0.5149% | 4,025 |
| Return on assets (ROA) | 0.6543% | 3,565 |
| Pretax return on assets | 0.8840% | 3,359 |
| Return on Equity (ROE) | 8.2601% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.2601% | 900 |
| Net charge-offs to loans | 0.0458% | 6,346 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 600 |
| Efficiency ratio | 86.6015% | 1,613 |
| Assets per employee ($millions) | 1.9912% | 7,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,657 |
| Loan loss allowance to noncurrent loans | 132.7731% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 6,335 |
| Noncurrent loans to loans | 0.8787% | 5,309 |
| Net loans and leases to total assets | 42.0132% | 6,848 |
| Net loans and leases to deposits | 46.2317% | 7,036 |
| Net loans and leases to core deposits | 54.0939% | 6,808 |
| Total domestic deposits to total assets | 90.8754% | 663 |
| Equity capital to assets | 7.9067% | 6,578 |
| Core capital (leverage) ratio | 8.1379% | 5,932 |
| Tier 1 risk-based capital ratio | 16.7946% | 2,428 |
| Total risk-based capital ratio | 17.7967% | 2,479 |
| Memoranda: | ||
| Average total assets | $31,333,400 | 7,163 |
| Average earning assets | $26,656,800 | 7,207 |
| Average equity | $2,481,800 | 7,399 |
| Average total loans | $13,088,600 | 7,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 1,786 |
| Cost of funding earning assets | 0.9968% | 5,950 |
| Net interest margin | 4.6802% | 882 |
| Noninterest income to average assets | 1.5981% | 551 |
| Noninterest expense to average assets | 4.7731% | 454 |
| Loan and lease loss provision to assets | 0.0513% | 6,567 |
| Net operating income to assets | 0.7264% | 3,293 |
| Return on assets (ROA) | 0.9315% | 2,620 |
| Pretax return on assets | 0.9315% | 3,444 |
| Return on Equity (ROE) | 11.7557% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.7557% | 487 |
| Net charge-offs to loans | 0.0308% | 6,252 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 60.6650% | 480 |
| Efficiency ratio | 85.9892% | 1,633 |
| Assets per employee ($millions) | 2.0322% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 5,551 |
| Loan loss allowance to noncurrent loans | 116.1765% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 5,643 |
| Noncurrent loans to loans | 1.0218% | 5,195 |
| Net loans and leases to total assets | 40.4490% | 7,051 |
| Net loans and leases to deposits | 44.3455% | 7,226 |
| Net loans and leases to core deposits | 53.2642% | 6,995 |
| Total domestic deposits to total assets | 91.2133% | 379 |
| Equity capital to assets | 8.5530% | 6,219 |
| Core capital (leverage) ratio | 8.3229% | 5,826 |
| Tier 1 risk-based capital ratio | 17.1744% | 2,282 |
| Total risk-based capital ratio | 18.1941% | 2,322 |
| Memoranda: | ||
| Average total assets | $31,202,000 | 7,251 |
| Average earning assets | $26,351,500 | 7,306 |
| Average equity | $2,472,500 | 7,499 |
| Average total loans | $12,975,000 | 7,346 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7335% | 1,626 |
| Cost of funding earning assets | 1.0299% | 6,001 |
| Net interest margin | 4.7037% | 809 |
| Noninterest income to average assets | 1.6188% | 499 |
| Noninterest expense to average assets | 4.6612% | 490 |
| Loan and lease loss provision to assets | 0.0585% | 6,372 |
| Net operating income to assets | 0.8776% | 2,628 |
| Return on assets (ROA) | 0.8906% | 2,706 |
| Pretax return on assets | 0.8906% | 3,533 |
| Return on Equity (ROE) | 11.5628% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.5628% | 556 |
| Net charge-offs to loans | 0.0155% | 6,126 |
| Credit loss provision to net charge-offs | 900.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 239 |
| Efficiency ratio | 83.2753% | 2,002 |
| Assets per employee ($millions) | 1.8625% | 7,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 5,464 |
| Loan loss allowance to noncurrent loans | 134.1880% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 5,410 |
| Noncurrent loans to loans | 0.8931% | 5,485 |
| Net loans and leases to total assets | 40.8787% | 7,109 |
| Net loans and leases to deposits | 44.8025% | 7,296 |
| Net loans and leases to core deposits | 52.5412% | 7,109 |
| Total domestic deposits to total assets | 91.2419% | 402 |
| Equity capital to assets | 8.4202% | 6,268 |
| Core capital (leverage) ratio | 8.3897% | 5,597 |
| Tier 1 risk-based capital ratio | 17.1908% | 2,206 |
| Total risk-based capital ratio | 18.2369% | 2,237 |
| Memoranda: | ||
| Average total assets | $30,764,330 | 7,316 |
| Average earning assets | $26,022,330 | 7,372 |
| Average equity | $2,369,670 | 7,584 |
| Average total loans | $12,863,330 | 7,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 1,754 |
| Cost of funding earning assets | 1.0307% | 6,226 |
| Net interest margin | 4.6765% | 824 |
| Noninterest income to average assets | 1.5174% | 523 |
| Noninterest expense to average assets | 4.6973% | 479 |
| Loan and lease loss provision to assets | 0.0660% | 5,976 |
| Net operating income to assets | 0.7653% | 3,134 |
| Return on assets (ROA) | 0.7785% | 3,176 |
| Pretax return on assets | 0.7785% | 3,957 |
| Return on Equity (ROE) | 10.6235% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.6235% | 1,007 |
| Net charge-offs to loans | 0.0314% | 5,133 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 486 |
| Efficiency ratio | 84.9642% | 1,911 |
| Assets per employee ($millions) | 1.8054% | 7,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 5,650 |
| Loan loss allowance to noncurrent loans | 140.3670% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 5,519 |
| Noncurrent loans to loans | 0.8343% | 5,644 |
| Net loans and leases to total assets | 42.0696% | 7,124 |
| Net loans and leases to deposits | 45.5145% | 7,343 |
| Net loans and leases to core deposits | 52.3495% | 7,182 |
| Total domestic deposits to total assets | 92.4313% | 174 |
| Equity capital to assets | 7.3863% | 7,150 |
| Core capital (leverage) ratio | 7.2521% | 7,069 |
| Tier 1 risk-based capital ratio | 15.0721% | 3,084 |
| Total risk-based capital ratio | 16.1184% | 3,133 |
| Memoranda: | ||
| Average total assets | $30,315,500 | 7,431 |
| Average earning assets | $26,002,500 | 7,462 |
| Average equity | $2,221,500 | 7,710 |
| Average total loans | $12,745,000 | 7,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2364% | 1,149 |
| Cost of funding earning assets | 1.4083% | 5,898 |
| Net interest margin | 4.8280% | 650 |
| Noninterest income to average assets | 1.4631% | 670 |
| Noninterest expense to average assets | 4.6663% | 675 |
| Loan and lease loss provision to assets | 0.1563% | 6,106 |
| Net operating income to assets | 0.8878% | 2,220 |
| Return on assets (ROA) | 0.9766% | 1,978 |
| Pretax return on assets | 0.8807% | 2,991 |
| Return on Equity (ROE) | 13.4369% | 881 |
| Retained earnings to average equity (ytd only) | 13.4369% | 137 |
| Net charge-offs to loans | 0.0915% | 6,214 |
| Credit loss provision to net charge-offs | 400.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 24.2727% | 912 |
| Efficiency ratio | 83.1120% | 2,461 |
| Assets per employee ($millions) | 1.7611% | 7,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,364 |
| Loan loss allowance to noncurrent loans | 141.9048% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 5,449 |
| Noncurrent loans to loans | 0.8451% | 5,599 |
| Net loans and leases to total assets | 41.0034% | 7,304 |
| Net loans and leases to deposits | 44.5267% | 7,493 |
| Net loans and leases to core deposits | 58.9371% | 7,303 |
| Total domestic deposits to total assets | 92.0872% | 247 |
| Equity capital to assets | 7.2681% | 7,220 |
| Core capital (leverage) ratio | 7.5964% | 6,686 |
| Tier 1 risk-based capital ratio | 15.0590% | 2,910 |
| Total risk-based capital ratio | 16.1050% | 2,973 |
| Memoranda: | ||
| Average total assets | $28,159,200 | 7,539 |
| Average earning assets | $24,212,800 | 7,571 |
| Average equity | $2,046,600 | 7,834 |
| Average total loans | $12,020,000 | 7,603 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3443% | 1,039 |
| Cost of funding earning assets | 1.5066% | 5,789 |
| Net interest margin | 4.8378% | 640 |
| Noninterest income to average assets | 1.4673% | 690 |
| Noninterest expense to average assets | 4.5222% | 727 |
| Loan and lease loss provision to assets | 0.1924% | 5,456 |
| Net operating income to assets | 0.9237% | 2,332 |
| Return on assets (ROA) | 0.9958% | 2,137 |
| Pretax return on assets | 0.9958% | 2,921 |
| Return on Equity (ROE) | 13.7019% | 977 |
| Retained earnings to average equity (ytd only) | 13.7019% | 209 |
| Net charge-offs to loans | 0.1118% | 5,560 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 23.2056% | 1,131 |
| Efficiency ratio | 80.0341% | 2,835 |
| Assets per employee ($millions) | 1.7446% | 7,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,372 |
| Loan loss allowance to noncurrent loans | 160.4396% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 5,437 |
| Noncurrent loans to loans | 0.7215% | 5,866 |
| Net loans and leases to total assets | 42.0345% | 7,362 |
| Net loans and leases to deposits | 45.5100% | 7,583 |
| Net loans and leases to core deposits | 58.9233% | 7,435 |
| Total domestic deposits to total assets | 92.3632% | 133 |
| Equity capital to assets | 7.2356% | 7,463 |
| Core capital (leverage) ratio | 7.4922% | 6,985 |
| Tier 1 risk-based capital ratio | 13.9181% | 3,596 |
| Total risk-based capital ratio | 14.8965% | 3,692 |
| Memoranda: | ||
| Average total assets | $27,714,250 | 7,622 |
| Average earning assets | $23,894,750 | 7,658 |
| Average equity | $2,014,250 | 7,920 |
| Average total loans | $11,918,750 | 7,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4869% | 847 |
| Cost of funding earning assets | 1.6500% | 5,513 |
| Net interest margin | 4.8370% | 615 |
| Noninterest income to average assets | 1.2266% | 1,031 |
| Noninterest expense to average assets | 4.3671% | 878 |
| Loan and lease loss provision to assets | 0.1256% | 5,856 |
| Net operating income to assets | 0.8498% | 2,652 |
| Return on assets (ROA) | 0.8498% | 2,755 |
| Pretax return on assets | 0.8498% | 3,515 |
| Return on Equity (ROE) | 11.6732% | 1,513 |
| Retained earnings to average equity (ytd only) | 11.6732% | 488 |
| Net charge-offs to loans | 0.1711% | 4,514 |
| Credit loss provision to net charge-offs | 170.0000% | 2,709 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,757 |
| Efficiency ratio | 81.6044% | 2,777 |
| Assets per employee ($millions) | 1.7298% | 8,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 6,108 |
| Loan loss allowance to noncurrent loans | 256.2500% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 4,781 |
| Noncurrent loans to loans | 0.3964% | 6,520 |
| Net loans and leases to total assets | 43.3119% | 7,372 |
| Net loans and leases to deposits | 46.8224% | 7,604 |
| Net loans and leases to core deposits | 62.2798% | 7,372 |
| Total domestic deposits to total assets | 92.5025% | 145 |
| Equity capital to assets | 7.2915% | 7,420 |
| Core capital (leverage) ratio | 7.2803% | 7,267 |
| Tier 1 risk-based capital ratio | 14.7713% | 3,115 |
| Total risk-based capital ratio | 15.6861% | 3,222 |
| Memoranda: | ||
| Average total assets | $27,066,000 | 7,719 |
| Average earning assets | $23,031,000 | 7,766 |
| Average equity | $1,970,330 | 8,006 |
| Average total loans | $11,687,330 | 7,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5732% | 750 |
| Cost of funding earning assets | 1.8023% | 5,102 |
| Net interest margin | 4.7708% | 646 |
| Noninterest income to average assets | 1.0314% | 1,400 |
| Noninterest expense to average assets | 4.2300% | 911 |
| Loan and lease loss provision to assets | 0.1046% | 5,630 |
| Net operating income to assets | 0.7324% | 3,419 |
| Return on assets (ROA) | 0.7324% | 3,610 |
| Pretax return on assets | 0.7324% | 4,312 |
| Return on Equity (ROE) | 10.0694% | 2,288 |
| Retained earnings to average equity (ytd only) | 10.0694% | 1,169 |
| Net charge-offs to loans | 0.1394% | 3,841 |
| Credit loss provision to net charge-offs | 175.0000% | 2,462 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,699 |
| Efficiency ratio | 83.1858% | 2,392 |
| Assets per employee ($millions) | 1.7240% | 8,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,957 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 4,548 |
| Noncurrent loans to loans | 0.3628% | 6,524 |
| Net loans and leases to total assets | 41.5349% | 7,493 |
| Net loans and leases to deposits | 44.8995% | 7,694 |
| Net loans and leases to core deposits | 59.0506% | 7,491 |
| Total domestic deposits to total assets | 92.5065% | 122 |
| Equity capital to assets | 7.3013% | 7,490 |
| Core capital (leverage) ratio | 7.2620% | 7,413 |
| Tier 1 risk-based capital ratio | 14.9393% | 3,098 |
| Total risk-based capital ratio | 15.8652% | 3,182 |
| Memoranda: | ||
| Average total assets | $26,761,000 | 7,769 |
| Average earning assets | $22,637,500 | 7,818 |
| Average equity | $1,946,500 | 8,064 |
| Average total loans | $11,476,000 | 7,833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2967% | 600 |
| Cost of funding earning assets | 2.6316% | 3,523 |
| Net interest margin | 4.6651% | 1,032 |
| Noninterest income to average assets | 1.3475% | 794 |
| Noninterest expense to average assets | 4.7997% | 711 |
| Loan and lease loss provision to assets | 0.0856% | 6,317 |
| Net operating income to assets | 0.6074% | 4,272 |
| Return on assets (ROA) | 0.6074% | 4,137 |
| Pretax return on assets | 0.4663% | 5,080 |
| Return on Equity (ROE) | 7.9065% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.9065% | 874 |
| Net charge-offs to loans | 0.2025% | 4,178 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 3,665 |
| Efficiency ratio | 89.4484% | 1,562 |
| Assets per employee ($millions) | 1.6211% | 8,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 5,851 |
| Loan loss allowance to noncurrent loans | 89.9225% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 3,469 |
| Noncurrent loans to loans | 1.1340% | 4,274 |
| Net loans and leases to total assets | 43.4112% | 7,504 |
| Net loans and leases to deposits | 47.6050% | 7,726 |
| Net loans and leases to core deposits | 60.8813% | 7,545 |
| Total domestic deposits to total assets | 91.1905% | 276 |
| Equity capital to assets | 7.2442% | 7,596 |
| Core capital (leverage) ratio | 8.0718% | 6,370 |
| Tier 1 risk-based capital ratio | 14.7372% | 3,183 |
| Total risk-based capital ratio | 15.6514% | 3,259 |
| Memoranda: | ||
| Average total assets | $23,376,600 | 7,897 |
| Average earning assets | $20,064,000 | 7,936 |
| Average equity | $1,796,000 | 8,160 |
| Average total loans | $11,852,400 | 7,839 |