Home > Riverside Bank > Performance and Condition Ratios
Riverside 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 | 6.4886% | 356 |
| Cost of funding earning assets | 2.3437% | 502 |
| Net interest margin | 4.1449% | 1,014 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.7779% | 1,558 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.4789% | 1,055 |
| Return on assets (ROA) | 1.4806% | 1,027 |
| Pretax return on assets | 1.4806% | 1,469 |
| Return on Equity (ROE) | 16.1000% | 1,080 |
| Retained earnings to average equity (ytd only) | -2.0987% | 4,275 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.5093% | 2,413 |
| Assets per employee ($millions) | 5.1282% | 3,544 |
| Cash dividends to net income (ytd only)* | 113.0387% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,631 |
| Loan loss allowance to noncurrent loans | 1,518.1818% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,233 |
| Noncurrent loans to loans | 0.0609% | 3,280 |
| Net loans and leases to total assets | 87.1800% | 112 |
| Net loans and leases to deposits | 103.8261% | 371 |
| Net loans and leases to core deposits | 132.6829% | 362 |
| Total domestic deposits to total assets | 83.9700% | 2,627 |
| Equity capital to assets | 9.1293% | 2,591 |
| Core capital (leverage) ratio | 9.2319% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7444% | 1,961 |
| Memoranda: | ||
| Average total assets | $61,125,200 | 4,202 |
| Average earning assets | $56,961,200 | 4,175 |
| Average equity | $5,622,400 | 4,197 |
| Average total loans | $53,095,600 | 3,795 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3653% | 353 |
| Cost of funding earning assets | 2.2071% | 492 |
| Net interest margin | 4.1582% | 980 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.7858% | 1,468 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.4661% | 1,197 |
| Return on assets (ROA) | 1.4683% | 1,175 |
| Pretax return on assets | 1.4683% | 1,637 |
| Return on Equity (ROE) | 15.9300% | 1,268 |
| Retained earnings to average equity (ytd only) | -0.0237% | 4,148 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.8574% | 2,297 |
| Assets per employee ($millions) | 4.9881% | 3,614 |
| Cash dividends to net income (ytd only)* | 100.1488% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,495 |
| Loan loss allowance to noncurrent loans | 659.2105% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,714 |
| Noncurrent loans to loans | 0.1473% | 2,817 |
| Net loans and leases to total assets | 85.3500% | 188 |
| Net loans and leases to deposits | 100.1824% | 504 |
| Net loans and leases to core deposits | 128.3153% | 362 |
| Total domestic deposits to total assets | 85.2000% | 2,444 |
| Equity capital to assets | 9.4876% | 2,105 |
| Core capital (leverage) ratio | 9.4015% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3048% | 1,789 |
| Memoranda: | ||
| Average total assets | $61,022,000 | 4,218 |
| Average earning assets | $56,785,750 | 4,197 |
| Average equity | $5,623,500 | 4,210 |
| Average total loans | $52,832,000 | 3,809 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3088% | 308 |
| Cost of funding earning assets | 2.0749% | 425 |
| Net interest margin | 4.2339% | 884 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.8139% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4362% | 1,245 |
| Return on assets (ROA) | 1.4395% | 1,222 |
| Pretax return on assets | 1.4395% | 1,726 |
| Return on Equity (ROE) | 15.7700% | 1,308 |
| Retained earnings to average equity (ytd only) | -6.4228% | 4,460 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2069% | 2,210 |
| Assets per employee ($millions) | 4.9491% | 3,635 |
| Cash dividends to net income (ytd only)* | 140.7240% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,433 |
| Loan loss allowance to noncurrent loans | 672.3684% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,656 |
| Noncurrent loans to loans | 0.1483% | 2,723 |
| Net loans and leases to total assets | 85.4200% | 182 |
| Net loans and leases to deposits | 100.1066% | 510 |
| Net loans and leases to core deposits | 119.2427% | 532 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 9.3822% | 2,241 |
| Core capital (leverage) ratio | 8.9708% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7305% | 2,010 |
| Memoranda: | ||
| Average total assets | $61,410,333 | 4,232 |
| Average earning assets | $57,158,333 | 4,214 |
| Average equity | $5,605,000 | 4,239 |
| Average total loans | $53,245,667 | 3,815 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1360% | 264 |
| Cost of funding earning assets | 1.9054% | 358 |
| Net interest margin | 4.2305% | 899 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8067% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3649% | 1,502 |
| Return on assets (ROA) | 1.3649% | 1,469 |
| Pretax return on assets | 1.3649% | 1,974 |
| Return on Equity (ROE) | 15.1600% | 1,526 |
| Retained earnings to average equity (ytd only) | -17.0061% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2811% | 2,065 |
| Assets per employee ($millions) | 5.1543% | 3,528 |
| Cash dividends to net income (ytd only)* | 212.2066% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 3,695 |
| Loan loss allowance to noncurrent loans | 1,648.3871% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,285 |
| Noncurrent loans to loans | 0.0580% | 3,319 |
| Net loans and leases to total assets | 85.5600% | 152 |
| Net loans and leases to deposits | 99.4437% | 468 |
| Net loans and leases to core deposits | 116.5855% | 520 |
| Total domestic deposits to total assets | 86.0300% | 2,579 |
| Equity capital to assets | 8.9020% | 2,591 |
| Core capital (leverage) ratio | 8.6631% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1595% | 2,324 |
| Memoranda: | ||
| Average total assets | $62,421,000 | 4,285 |
| Average earning assets | $58,149,000 | 4,260 |
| Average equity | $5,621,500 | 4,287 |
| Average total loans | $54,246,500 | 3,846 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 188 |
| Cost of funding earning assets | 0.9972% | 163 |
| Net interest margin | 4.3276% | 400 |
| Noninterest income to average assets | 1.4300% | 367 |
| Noninterest expense to average assets | 2.8752% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.5471% | 142 |
| Return on assets (ROA) | 2.5614% | 139 |
| Pretax return on assets | 2.5614% | 199 |
| Return on Equity (ROE) | 28.2300% | 141 |
| Retained earnings to average equity (ytd only) | 1.8515% | 4,012 |
| Net charge-offs to loans | -0.0590% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0254% | 3,882 |
| Assets per employee ($millions) | 4.4994% | 4,039 |
| Cash dividends to net income (ytd only)* | 93.4406% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 3,678 |
| Loan loss allowance to noncurrent loans | 1,648.3871% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,312 |
| Noncurrent loans to loans | 0.0563% | 3,355 |
| Net loans and leases to total assets | 86.6100% | 121 |
| Net loans and leases to deposits | 105.6757% | 251 |
| Net loans and leases to core deposits | 122.3733% | 333 |
| Total domestic deposits to total assets | 81.9500% | 3,639 |
| Equity capital to assets | 9.1077% | 2,288 |
| Core capital (leverage) ratio | 8.9384% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2656% | 2,256 |
| Memoranda: | ||
| Average total assets | $63,091,000 | 4,305 |
| Average earning assets | $58,161,200 | 4,290 |
| Average equity | $5,725,000 | 4,359 |
| Average total loans | $54,230,600 | 3,832 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 183 |
| Cost of funding earning assets | 0.9101% | 100 |
| Net interest margin | 4.2012% | 420 |
| Noninterest income to average assets | 1.7700% | 305 |
| Noninterest expense to average assets | 2.8434% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.7906% | 119 |
| Return on assets (ROA) | 2.8096% | 113 |
| Pretax return on assets | 2.8096% | 159 |
| Return on Equity (ROE) | 30.9900% | 94 |
| Retained earnings to average equity (ytd only) | 6.9904% | 2,360 |
| Net charge-offs to loans | -0.0790% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.4687% | 4,133 |
| Assets per employee ($millions) | 4.5770% | 3,997 |
| Cash dividends to net income (ytd only)* | 77.4436% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 3,801 |
| Loan loss allowance to noncurrent loans | 1,596.8750% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,391 |
| Noncurrent loans to loans | 0.0575% | 3,469 |
| Net loans and leases to total assets | 86.0000% | 123 |
| Net loans and leases to deposits | 100.2200% | 357 |
| Net loans and leases to core deposits | 114.8963% | 348 |
| Total domestic deposits to total assets | 85.8200% | 3,105 |
| Equity capital to assets | 9.2887% | 2,025 |
| Core capital (leverage) ratio | 9.3014% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7042% | 2,170 |
| Memoranda: | ||
| Average total assets | $63,116,000 | 4,337 |
| Average earning assets | $58,013,250 | 4,319 |
| Average equity | $5,722,000 | 4,396 |
| Average total loans | $54,022,000 | 3,858 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 185 |
| Cost of funding earning assets | 0.8430% | 78 |
| Net interest margin | 4.1034% | 394 |
| Noninterest income to average assets | 1.0701% | 586 |
| Noninterest expense to average assets | 2.8187% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0033% | 228 |
| Return on assets (ROA) | 2.0320% | 222 |
| Pretax return on assets | 2.0320% | 357 |
| Return on Equity (ROE) | 22.6027% | 179 |
| Retained earnings to average equity (ytd only) | -4.3222% | 4,510 |
| Net charge-offs to loans | -0.1197% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4544% | 3,492 |
| Assets per employee ($millions) | 4.5103% | 4,061 |
| Cash dividends to net income (ytd only)* | 119.1223% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,866 |
| Loan loss allowance to noncurrent loans | 1,548.4848% | 669 |
| Noncurrent assets plus other real estate owned to assets | 1.2844% | 315 |
| Noncurrent loans to loans | 0.0601% | 3,504 |
| Net loans and leases to total assets | 86.1808% | 83 |
| Net loans and leases to deposits | 101.9961% | 208 |
| Net loans and leases to core deposits | 109.9620% | 352 |
| Total domestic deposits to total assets | 84.4942% | 3,591 |
| Equity capital to assets | 8.7958% | 2,536 |
| Core capital (leverage) ratio | 8.7014% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6374% | 2,639 |
| Memoranda: | ||
| Average total assets | $62,795,333 | 4,388 |
| Average earning assets | $57,416,000 | 4,383 |
| Average equity | $5,645,333 | 4,449 |
| Average total loans | $53,489,000 | 3,903 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 185 |
| Cost of funding earning assets | 0.8321% | 72 |
| Net interest margin | 4.0134% | 404 |
| Noninterest income to average assets | 1.0923% | 566 |
| Noninterest expense to average assets | 2.8233% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9355% | 248 |
| Return on assets (ROA) | 1.9866% | 228 |
| Pretax return on assets | 1.9866% | 369 |
| Return on Equity (ROE) | 21.8591% | 159 |
| Retained earnings to average equity (ytd only) | -10.8241% | 4,575 |
| Net charge-offs to loans | -0.2426% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3289% | 3,552 |
| Assets per employee ($millions) | 4.2071% | 4,304 |
| Cash dividends to net income (ytd only)* | 149.5177% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 3,817 |
| Loan loss allowance to noncurrent loans | 359.8592% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 339 |
| Noncurrent loans to loans | 0.2706% | 2,501 |
| Net loans and leases to total assets | 82.3313% | 147 |
| Net loans and leases to deposits | 95.6991% | 288 |
| Net loans and leases to core deposits | 102.5117% | 431 |
| Total domestic deposits to total assets | 86.0314% | 3,252 |
| Equity capital to assets | 8.8565% | 2,828 |
| Core capital (leverage) ratio | 8.7204% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7720% | 2,686 |
| Memoranda: | ||
| Average total assets | $62,621,000 | 4,411 |
| Average earning assets | $57,208,000 | 4,410 |
| Average equity | $5,691,000 | 4,496 |
| Average total loans | $52,769,000 | 3,928 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 373 |
| Cost of funding earning assets | 1.0235% | 70 |
| Net interest margin | 3.7551% | 1,093 |
| Noninterest income to average assets | 1.6626% | 413 |
| Noninterest expense to average assets | 2.8190% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2853% | 210 |
| Return on assets (ROA) | 2.2998% | 218 |
| Pretax return on assets | 2.2998% | 346 |
| Return on Equity (ROE) | 24.9658% | 124 |
| Retained earnings to average equity (ytd only) | 1.7030% | 4,070 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2281% | 3,794 |
| Assets per employee ($millions) | 4.1424% | 4,361 |
| Cash dividends to net income (ytd only)* | 93.1786% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,058 |
| Loan loss allowance to noncurrent loans | 280.1170% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2778% | 372 |
| Noncurrent loans to loans | 0.3222% | 2,436 |
| Net loans and leases to total assets | 84.6401% | 92 |
| Net loans and leases to deposits | 99.0564% | 215 |
| Net loans and leases to core deposits | 107.3964% | 336 |
| Total domestic deposits to total assets | 85.4464% | 3,112 |
| Equity capital to assets | 9.3231% | 3,293 |
| Core capital (leverage) ratio | 9.0498% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7930% | 2,703 |
| Memoranda: | ||
| Average total assets | $61,830,600 | 4,431 |
| Average earning assets | $56,670,200 | 4,432 |
| Average equity | $5,695,800 | 4,559 |
| Average total loans | $50,124,400 | 3,993 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 443 |
| Cost of funding earning assets | 1.0619% | 66 |
| Net interest margin | 3.6895% | 1,359 |
| Noninterest income to average assets | 1.7164% | 431 |
| Noninterest expense to average assets | 2.7744% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.3253% | 266 |
| Return on assets (ROA) | 2.3382% | 270 |
| Pretax return on assets | 2.3382% | 434 |
| Return on Equity (ROE) | 25.4600% | 163 |
| Retained earnings to average equity (ytd only) | 0.1881% | 4,537 |
| Net charge-offs to loans | 0.0027% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,077.0000% | 151 |
| Efficiency ratio | 54.4030% | 3,743 |
| Assets per employee ($millions) | 4.1308% | 4,374 |
| Cash dividends to net income (ytd only)* | 99.2613% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,882 |
| Loan loss allowance to noncurrent loans | 207.8261% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 385 |
| Noncurrent loans to loans | 0.4757% | 2,132 |
| Net loans and leases to total assets | 77.2586% | 453 |
| Net loans and leases to deposits | 90.1542% | 598 |
| Net loans and leases to core deposits | 98.2413% | 649 |
| Total domestic deposits to total assets | 85.6961% | 2,869 |
| Equity capital to assets | 9.2169% | 3,638 |
| Core capital (leverage) ratio | 8.9507% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1631% | 2,657 |
| Memoranda: | ||
| Average total assets | $61,754,250 | 4,489 |
| Average earning assets | $56,627,000 | 4,489 |
| Average equity | $5,671,500 | 4,632 |
| Average total loans | $49,387,750 | 4,069 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 338 |
| Cost of funding earning assets | 1.1064% | 66 |
| Net interest margin | 3.8990% | 974 |
| Noninterest income to average assets | 1.6471% | 454 |
| Noninterest expense to average assets | 2.7721% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4512% | 236 |
| Return on assets (ROA) | 2.4706% | 241 |
| Pretax return on assets | 2.4706% | 368 |
| Return on Equity (ROE) | 26.9337% | 147 |
| Retained earnings to average equity (ytd only) | -0.8130% | 4,589 |
| Net charge-offs to loans | 0.0040% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 756.0000% | 186 |
| Efficiency ratio | 53.0726% | 3,921 |
| Assets per employee ($millions) | 4.1012% | 4,391 |
| Cash dividends to net income (ytd only)* | 103.0184% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,838 |
| Loan loss allowance to noncurrent loans | 206.0345% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 442 |
| Noncurrent loans to loans | 0.4829% | 2,228 |
| Net loans and leases to total assets | 77.3140% | 489 |
| Net loans and leases to deposits | 90.4341% | 626 |
| Net loans and leases to core deposits | 98.8322% | 691 |
| Total domestic deposits to total assets | 85.4921% | 2,915 |
| Equity capital to assets | 9.2314% | 3,581 |
| Core capital (leverage) ratio | 8.8824% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0737% | 2,695 |
| Memoranda: | ||
| Average total assets | $61,685,000 | 4,519 |
| Average earning assets | $56,579,333 | 4,514 |
| Average equity | $5,658,333 | 4,660 |
| Average total loans | $49,734,000 | 4,094 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 653 |
| Cost of funding earning assets | 1.1541% | 68 |
| Net interest margin | 3.4552% | 1,948 |
| Noninterest income to average assets | 2.0917% | 352 |
| Noninterest expense to average assets | 2.7975% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4738% | 276 |
| Return on assets (ROA) | 2.5126% | 288 |
| Pretax return on assets | 2.5126% | 430 |
| Return on Equity (ROE) | 27.4788% | 191 |
| Retained earnings to average equity (ytd only) | -6.1615% | 4,734 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0713% | 3,899 |
| Assets per employee ($millions) | 4.1473% | 4,387 |
| Cash dividends to net income (ytd only)* | 122.4227% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,937 |
| Loan loss allowance to noncurrent loans | 70.4412% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 729 |
| Noncurrent loans to loans | 1.3871% | 910 |
| Net loans and leases to total assets | 78.0309% | 465 |
| Net loans and leases to deposits | 90.9130% | 653 |
| Net loans and leases to core deposits | 99.2070% | 750 |
| Total domestic deposits to total assets | 85.8303% | 2,796 |
| Equity capital to assets | 9.0162% | 3,661 |
| Core capital (leverage) ratio | 8.5473% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2444% | 2,581 |
| Memoranda: | ||
| Average total assets | $61,768,500 | 4,537 |
| Average earning assets | $56,842,000 | 4,532 |
| Average equity | $5,648,000 | 4,678 |
| Average total loans | $50,581,000 | 4,087 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 316 |
| Cost of funding earning assets | 1.5669% | 60 |
| Net interest margin | 3.6655% | 1,925 |
| Noninterest income to average assets | 1.5696% | 498 |
| Noninterest expense to average assets | 2.7226% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.2204% | 181 |
| Return on assets (ROA) | 2.2204% | 192 |
| Pretax return on assets | 2.2204% | 291 |
| Return on Equity (ROE) | 24.3673% | 120 |
| Retained earnings to average equity (ytd only) | -0.8861% | 4,627 |
| Net charge-offs to loans | 0.0077% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 343.7500% | 314 |
| Efficiency ratio | 55.0800% | 4,084 |
| Assets per employee ($millions) | 4.0885% | 4,305 |
| Cash dividends to net income (ytd only)* | 103.6364% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,137 |
| Loan loss allowance to noncurrent loans | 230.2885% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 2,634 |
| Noncurrent loans to loans | 0.3989% | 2,777 |
| Net loans and leases to total assets | 84.2386% | 164 |
| Net loans and leases to deposits | 98.4638% | 440 |
| Net loans and leases to core deposits | 106.4978% | 626 |
| Total domestic deposits to total assets | 85.5529% | 2,547 |
| Equity capital to assets | 9.2732% | 3,821 |
| Core capital (leverage) ratio | 8.8416% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9567% | 2,641 |
| Memoranda: | ||
| Average total assets | $61,926,600 | 4,487 |
| Average earning assets | $56,990,600 | 4,482 |
| Average equity | $5,642,800 | 4,683 |
| Average total loans | $52,270,000 | 4,064 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 332 |
| Cost of funding earning assets | 1.6380% | 60 |
| Net interest margin | 3.6914% | 1,970 |
| Noninterest income to average assets | 1.5937% | 468 |
| Noninterest expense to average assets | 2.6955% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.2960% | 179 |
| Return on assets (ROA) | 2.2960% | 189 |
| Pretax return on assets | 2.2960% | 281 |
| Return on Equity (ROE) | 25.3083% | 109 |
| Retained earnings to average equity (ytd only) | -1.7993% | 4,690 |
| Net charge-offs to loans | 0.0102% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 267.2500% | 396 |
| Efficiency ratio | 54.0017% | 4,148 |
| Assets per employee ($millions) | 4.2313% | 4,114 |
| Cash dividends to net income (ytd only)* | 107.1094% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,000 |
| Loan loss allowance to noncurrent loans | 235.9606% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 2,866 |
| Noncurrent loans to loans | 0.3904% | 2,894 |
| Net loans and leases to total assets | 81.1801% | 506 |
| Net loans and leases to deposits | 94.3439% | 896 |
| Net loans and leases to core deposits | 101.7034% | 1,048 |
| Total domestic deposits to total assets | 86.0470% | 2,048 |
| Equity capital to assets | 8.9050% | 4,182 |
| Core capital (leverage) ratio | 8.6106% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1617% | 2,554 |
| Memoranda: | ||
| Average total assets | $62,076,500 | 4,502 |
| Average earning assets | $57,140,000 | 4,496 |
| Average equity | $5,631,750 | 4,703 |
| Average total loans | $52,302,500 | 4,083 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5851% | 287 |
| Cost of funding earning assets | 1.7063% | 75 |
| Net interest margin | 3.8788% | 1,621 |
| Noninterest income to average assets | 1.5289% | 441 |
| Noninterest expense to average assets | 2.7332% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3599% | 171 |
| Return on assets (ROA) | 2.3599% | 189 |
| Pretax return on assets | 2.3599% | 276 |
| Return on Equity (ROE) | 25.8489% | 99 |
| Retained earnings to average equity (ytd only) | -3.6622% | 4,706 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6648% | 4,218 |
| Assets per employee ($millions) | 4.2722% | 4,033 |
| Cash dividends to net income (ytd only)* | 114.1678% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 3,885 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,635 |
| Noncurrent loans to loans | 0.2210% | 3,587 |
| Net loans and leases to total assets | 80.4550% | 549 |
| Net loans and leases to deposits | 95.8577% | 809 |
| Net loans and leases to core deposits | 98.4326% | 1,377 |
| Total domestic deposits to total assets | 83.9318% | 2,769 |
| Equity capital to assets | 8.7683% | 4,296 |
| Core capital (leverage) ratio | 8.7798% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6643% | 2,749 |
| Memoranda: | ||
| Average total assets | $61,612,000 | 4,517 |
| Average earning assets | $56,615,333 | 4,519 |
| Average equity | $5,625,000 | 4,726 |
| Average total loans | $52,402,000 | 4,097 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7425% | 235 |
| Cost of funding earning assets | 1.8157% | 80 |
| Net interest margin | 3.9268% | 1,590 |
| Noninterest income to average assets | 1.1726% | 636 |
| Noninterest expense to average assets | 2.7560% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0273% | 258 |
| Return on assets (ROA) | 2.0273% | 282 |
| Pretax return on assets | 2.0273% | 425 |
| Return on Equity (ROE) | 21.7484% | 118 |
| Retained earnings to average equity (ytd only) | -14.8543% | 4,890 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6177% | 4,054 |
| Assets per employee ($millions) | 4.0269% | 3,878 |
| Cash dividends to net income (ytd only)* | 168.3007% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 4,068 |
| Loan loss allowance to noncurrent loans | 443.1193% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,768 |
| Noncurrent loans to loans | 0.2059% | 3,744 |
| Net loans and leases to total assets | 86.8370% | 103 |
| Net loans and leases to deposits | 100.4943% | 521 |
| Net loans and leases to core deposits | 103.2641% | 1,231 |
| Total domestic deposits to total assets | 86.4098% | 1,820 |
| Equity capital to assets | 9.1352% | 4,518 |
| Core capital (leverage) ratio | 8.8759% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7793% | 2,813 |
| Memoranda: | ||
| Average total assets | $60,376,500 | 4,553 |
| Average earning assets | $55,516,000 | 4,552 |
| Average equity | $5,628,000 | 4,770 |
| Average total loans | $52,582,500 | 4,101 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 305 |
| Cost of funding earning assets | 1.8155% | 130 |
| Net interest margin | 4.0187% | 1,793 |
| Noninterest income to average assets | 1.4232% | 467 |
| Noninterest expense to average assets | 2.7649% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3426% | 171 |
| Return on assets (ROA) | 2.3426% | 184 |
| Pretax return on assets | 2.3426% | 278 |
| Return on Equity (ROE) | 26.5934% | 56 |
| Retained earnings to average equity (ytd only) | 6.0515% | 1,840 |
| Net charge-offs to loans | -0.0222% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1334% | 4,411 |
| Assets per employee ($millions) | 4.0233% | 3,871 |
| Cash dividends to net income (ytd only)* | 77.2443% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 3,860 |
| Loan loss allowance to noncurrent loans | 435.1351% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,733 |
| Noncurrent loans to loans | 0.2125% | 3,700 |
| Net loans and leases to total assets | 85.7446% | 180 |
| Net loans and leases to deposits | 99.5920% | 635 |
| Net loans and leases to core deposits | 102.3336% | 1,381 |
| Total domestic deposits to total assets | 86.0959% | 2,033 |
| Equity capital to assets | 9.5080% | 4,347 |
| Core capital (leverage) ratio | 9.2357% | 4,333 |
| Tier 1 risk-based capital ratio | 12.1211% | 4,290 |
| Total risk-based capital ratio | 13.1752% | 4,281 |
| Memoranda: | ||
| Average total assets | $61,341,000 | 4,579 |
| Average earning assets | $56,237,400 | 4,584 |
| Average equity | $5,403,600 | 4,837 |
| Average total loans | $53,976,200 | 4,102 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9056% | 288 |
| Cost of funding earning assets | 1.8095% | 135 |
| Net interest margin | 4.0961% | 1,623 |
| Noninterest income to average assets | 1.3184% | 537 |
| Noninterest expense to average assets | 2.7580% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3142% | 216 |
| Return on assets (ROA) | 2.4095% | 197 |
| Pretax return on assets | 2.4095% | 301 |
| Return on Equity (ROE) | 27.8940% | 52 |
| Retained earnings to average equity (ytd only) | 0.0752% | 4,744 |
| Net charge-offs to loans | -0.0294% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3747% | 4,349 |
| Assets per employee ($millions) | 4.0159% | 3,884 |
| Cash dividends to net income (ytd only)* | 99.7305% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 4,039 |
| Loan loss allowance to noncurrent loans | 439.0909% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 3,844 |
| Noncurrent loans to loans | 0.2052% | 3,808 |
| Net loans and leases to total assets | 88.1935% | 87 |
| Net loans and leases to deposits | 109.1668% | 240 |
| Net loans and leases to core deposits | 112.9908% | 799 |
| Total domestic deposits to total assets | 80.7879% | 3,809 |
| Equity capital to assets | 8.9877% | 4,784 |
| Core capital (leverage) ratio | 8.6354% | 4,868 |
| Tier 1 risk-based capital ratio | 11.2080% | 4,820 |
| Total risk-based capital ratio | 12.2431% | 4,797 |
| Memoranda: | ||
| Average total assets | $61,589,000 | 4,632 |
| Average earning assets | $56,442,000 | 4,646 |
| Average equity | $5,320,000 | 4,912 |
| Average total loans | $54,413,000 | 4,139 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0138% | 226 |
| Cost of funding earning assets | 1.7735% | 140 |
| Net interest margin | 4.2402% | 1,268 |
| Noninterest income to average assets | 1.1283% | 664 |
| Noninterest expense to average assets | 2.7563% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2566% | 230 |
| Return on assets (ROA) | 2.3985% | 180 |
| Pretax return on assets | 2.3985% | 285 |
| Return on Equity (ROE) | 28.1356% | 54 |
| Retained earnings to average equity (ytd only) | -4.5758% | 5,045 |
| Net charge-offs to loans | -0.0402% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9839% | 4,365 |
| Assets per employee ($millions) | 4.0805% | 3,765 |
| Cash dividends to net income (ytd only)* | 116.2634% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 4,102 |
| Loan loss allowance to noncurrent loans | 430.3571% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,846 |
| Noncurrent loans to loans | 0.2086% | 3,797 |
| Net loans and leases to total assets | 86.9394% | 157 |
| Net loans and leases to deposits | 107.4185% | 292 |
| Net loans and leases to core deposits | 111.2242% | 903 |
| Total domestic deposits to total assets | 80.9352% | 3,831 |
| Equity capital to assets | 8.6232% | 4,997 |
| Core capital (leverage) ratio | 8.2868% | 5,066 |
| Tier 1 risk-based capital ratio | 10.9755% | 4,919 |
| Total risk-based capital ratio | 12.0115% | 4,923 |
| Memoranda: | ||
| Average total assets | $62,039,330 | 4,658 |
| Average earning assets | $56,836,330 | 4,672 |
| Average equity | $5,288,670 | 4,947 |
| Average total loans | $54,681,000 | 4,155 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2075% | 158 |
| Cost of funding earning assets | 1.7426% | 136 |
| Net interest margin | 4.4649% | 794 |
| Noninterest income to average assets | 0.7750% | 1,353 |
| Noninterest expense to average assets | 2.7476% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1135% | 311 |
| Return on assets (ROA) | 2.3953% | 206 |
| Pretax return on assets | 2.3953% | 301 |
| Return on Equity (ROE) | 28.2584% | 59 |
| Retained earnings to average equity (ytd only) | -11.0314% | 5,137 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5217% | 4,266 |
| Assets per employee ($millions) | 4.1561% | 3,691 |
| Cash dividends to net income (ytd only)* | 139.0374% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,334 |
| Loan loss allowance to noncurrent loans | 389.2562% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 3,848 |
| Noncurrent loans to loans | 0.2191% | 3,803 |
| Net loans and leases to total assets | 87.8186% | 105 |
| Net loans and leases to deposits | 105.3273% | 346 |
| Net loans and leases to core deposits | 110.8194% | 885 |
| Total domestic deposits to total assets | 83.3769% | 3,263 |
| Equity capital to assets | 8.3958% | 5,044 |
| Core capital (leverage) ratio | 8.0524% | 5,193 |
| Tier 1 risk-based capital ratio | 10.7607% | 5,084 |
| Total risk-based capital ratio | 11.7582% | 5,082 |
| Memoranda: | ||
| Average total assets | $62,455,500 | 4,694 |
| Average earning assets | $57,157,000 | 4,716 |
| Average equity | $5,294,000 | 4,992 |
| Average total loans | $55,174,000 | 4,183 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1314% | 140 |
| Cost of funding earning assets | 1.4287% | 122 |
| Net interest margin | 4.7027% | 486 |
| Noninterest income to average assets | 0.7530% | 1,628 |
| Noninterest expense to average assets | 2.6679% | 3,129 |
| Loan and lease loss provision to assets | 0.0325% | 3,540 |
| Net operating income to assets | 2.3579% | 193 |
| Return on assets (ROA) | 2.4001% | 168 |
| Pretax return on assets | 2.4001% | 246 |
| Return on Equity (ROE) | 28.0677% | 50 |
| Retained earnings to average equity (ytd only) | 1.3094% | 4,610 |
| Net charge-offs to loans | 0.1556% | 1,235 |
| Credit loss provision to net charge-offs | 23.5294% | 3,387 |
| Earnings coverage of net charge-offs (x) | 17.3294% | 2,202 |
| Efficiency ratio | 52.7430% | 4,739 |
| Assets per employee ($millions) | 4.1713% | 3,650 |
| Cash dividends to net income (ytd only)* | 95.3347% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,345 |
| Loan loss allowance to noncurrent loans | 389.2562% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,734 |
| Noncurrent loans to loans | 0.2195% | 3,795 |
| Net loans and leases to total assets | 87.3566% | 144 |
| Net loans and leases to deposits | 108.2935% | 296 |
| Net loans and leases to core deposits | 112.9272% | 838 |
| Total domestic deposits to total assets | 80.6665% | 3,963 |
| Equity capital to assets | 8.5568% | 4,888 |
| Core capital (leverage) ratio | 8.3120% | 5,110 |
| Tier 1 risk-based capital ratio | 10.9848% | 4,988 |
| Total risk-based capital ratio | 11.9746% | 4,993 |
| Memoranda: | ||
| Average total assets | $61,621,600 | 4,731 |
| Average earning assets | $56,414,600 | 4,739 |
| Average equity | $5,269,400 | 5,008 |
| Average total loans | $54,627,200 | 4,217 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0680% | 141 |
| Cost of funding earning assets | 1.3677% | 114 |
| Net interest margin | 4.7003% | 477 |
| Noninterest income to average assets | 0.7841% | 1,524 |
| Noninterest expense to average assets | 2.6629% | 3,089 |
| Loan and lease loss provision to assets | 0.0434% | 3,122 |
| Net operating income to assets | 2.3849% | 191 |
| Return on assets (ROA) | 2.4414% | 175 |
| Pretax return on assets | 2.4414% | 258 |
| Return on Equity (ROE) | 28.5549% | 45 |
| Retained earnings to average equity (ytd only) | 0.3557% | 4,978 |
| Net charge-offs to loans | 0.2079% | 816 |
| Credit loss provision to net charge-offs | 23.5294% | 2,998 |
| Earnings coverage of net charge-offs (x) | 13.1530% | 2,393 |
| Efficiency ratio | 52.3038% | 4,780 |
| Assets per employee ($millions) | 4.1723% | 3,615 |
| Cash dividends to net income (ytd only)* | 98.7542% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 4,432 |
| Loan loss allowance to noncurrent loans | 413.1579% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 3,914 |
| Noncurrent loans to loans | 0.2076% | 3,970 |
| Net loans and leases to total assets | 86.9841% | 190 |
| Net loans and leases to deposits | 106.2266% | 432 |
| Net loans and leases to core deposits | 110.6889% | 991 |
| Total domestic deposits to total assets | 81.8854% | 3,645 |
| Equity capital to assets | 8.4573% | 4,956 |
| Core capital (leverage) ratio | 8.3313% | 5,187 |
| Tier 1 risk-based capital ratio | 10.8512% | 5,101 |
| Total risk-based capital ratio | 11.8394% | 5,127 |
| Memoranda: | ||
| Average total assets | $61,384,500 | 4,786 |
| Average earning assets | $56,250,250 | 4,796 |
| Average equity | $5,248,250 | 5,068 |
| Average total loans | $54,501,500 | 4,261 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0032% | 142 |
| Cost of funding earning assets | 1.1871% | 191 |
| Net interest margin | 4.8162% | 356 |
| Noninterest income to average assets | 0.8100% | 1,443 |
| Noninterest expense to average assets | 2.7056% | 2,998 |
| Loan and lease loss provision to assets | 0.0656% | 2,588 |
| Net operating income to assets | 2.4564% | 163 |
| Return on assets (ROA) | 2.5416% | 140 |
| Pretax return on assets | 2.5416% | 209 |
| Return on Equity (ROE) | 29.6179% | 42 |
| Retained earnings to average equity (ytd only) | -3.4395% | 5,236 |
| Net charge-offs to loans | 0.3127% | 513 |
| Credit loss provision to net charge-offs | 23.5294% | 2,670 |
| Earnings coverage of net charge-offs (x) | 9.0471% | 2,424 |
| Efficiency ratio | 51.7566% | 4,915 |
| Assets per employee ($millions) | 4.1326% | 3,678 |
| Cash dividends to net income (ytd only)* | 111.6129% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 4,525 |
| Loan loss allowance to noncurrent loans | 1,023.9130% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,507 |
| Noncurrent loans to loans | 0.0838% | 4,534 |
| Net loans and leases to total assets | 87.7527% | 151 |
| Net loans and leases to deposits | 103.6272% | 546 |
| Net loans and leases to core deposits | 106.4687% | 1,209 |
| Total domestic deposits to total assets | 84.6812% | 2,803 |
| Equity capital to assets | 8.4015% | 5,012 |
| Core capital (leverage) ratio | 8.2419% | 5,240 |
| Tier 1 risk-based capital ratio | 10.8138% | 5,147 |
| Total risk-based capital ratio | 11.8188% | 5,144 |
| Memoranda: | ||
| Average total assets | $60,984,330 | 4,856 |
| Average earning assets | $55,936,670 | 4,858 |
| Average equity | $5,233,330 | 5,126 |
| Average total loans | $54,365,330 | 4,294 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2630% | 97 |
| Cost of funding earning assets | 1.1662% | 162 |
| Net interest margin | 5.0968% | 195 |
| Noninterest income to average assets | 0.5159% | 2,716 |
| Noninterest expense to average assets | 2.7512% | 2,869 |
| Loan and lease loss provision to assets | 0.1323% | 1,432 |
| Net operating income to assets | 2.3147% | 200 |
| Return on assets (ROA) | 2.4867% | 148 |
| Pretax return on assets | 2.4867% | 219 |
| Return on Equity (ROE) | 28.6695% | 52 |
| Retained earnings to average equity (ytd only) | -10.9798% | 5,392 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9262% | 4,891 |
| Assets per employee ($millions) | 3.3724% | 4,823 |
| Cash dividends to net income (ytd only)* | 138.2979% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,776 |
| Loan loss allowance to noncurrent loans | 975.4386% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 4,500 |
| Noncurrent loans to loans | 0.1056% | 4,500 |
| Net loans and leases to total assets | 87.9660% | 138 |
| Net loans and leases to deposits | 107.0508% | 343 |
| Net loans and leases to core deposits | 108.1610% | 1,111 |
| Total domestic deposits to total assets | 82.1722% | 3,909 |
| Equity capital to assets | 8.4889% | 4,982 |
| Core capital (leverage) ratio | 8.1619% | 5,339 |
| Tier 1 risk-based capital ratio | 10.8383% | 5,227 |
| Total risk-based capital ratio | 12.0401% | 5,142 |
| Memoranda: | ||
| Average total assets | $60,482,000 | 4,918 |
| Average earning assets | $55,564,000 | 4,922 |
| Average equity | $5,246,000 | 5,180 |
| Average total loans | $54,114,000 | 4,344 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0105% | 132 |
| Cost of funding earning assets | 1.1423% | 101 |
| Net interest margin | 4.8682% | 295 |
| Noninterest income to average assets | 0.8130% | 1,520 |
| Noninterest expense to average assets | 2.8169% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.4646% | 125 |
| Return on assets (ROA) | 2.4646% | 124 |
| Pretax return on assets | 2.4646% | 187 |
| Return on Equity (ROE) | 27.7418% | 48 |
| Retained earnings to average equity (ytd only) | -1.0487% | 5,193 |
| Net charge-offs to loans | -0.0756% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3355% | 5,007 |
| Assets per employee ($millions) | 3.3478% | 4,882 |
| Cash dividends to net income (ytd only)* | 103.7801% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 4,018 |
| Loan loss allowance to noncurrent loans | 837.5000% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 4,439 |
| Noncurrent loans to loans | 0.1179% | 4,450 |
| Net loans and leases to total assets | 89.1754% | 98 |
| Net loans and leases to deposits | 105.5590% | 417 |
| Net loans and leases to core deposits | 109.3525% | 1,045 |
| Total domestic deposits to total assets | 84.4792% | 3,043 |
| Equity capital to assets | 8.8598% | 4,851 |
| Core capital (leverage) ratio | 8.5303% | 5,109 |
| Tier 1 risk-based capital ratio | 11.2832% | 4,996 |
| Total risk-based capital ratio | 12.4557% | 4,909 |
| Memoranda: | ||
| Average total assets | $59,037,000 | 4,979 |
| Average earning assets | $54,188,200 | 4,993 |
| Average equity | $5,244,800 | 5,228 |
| Average total loans | $51,578,800 | 4,419 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 159 |
| Cost of funding earning assets | 1.1158% | 103 |
| Net interest margin | 4.7054% | 405 |
| Noninterest income to average assets | 0.8581% | 1,403 |
| Noninterest expense to average assets | 2.8241% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.3519% | 168 |
| Return on assets (ROA) | 2.3519% | 169 |
| Pretax return on assets | 2.3519% | 274 |
| Return on Equity (ROE) | 26.4554% | 54 |
| Retained earnings to average equity (ytd only) | -1.3790% | 5,382 |
| Net charge-offs to loans | -0.1022% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5614% | 4,896 |
| Assets per employee ($millions) | 3.2866% | 4,979 |
| Cash dividends to net income (ytd only)* | 105.2125% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,039 |
| Loan loss allowance to noncurrent loans | 893.3333% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,564 |
| Noncurrent loans to loans | 0.1122% | 4,607 |
| Net loans and leases to total assets | 89.4858% | 99 |
| Net loans and leases to deposits | 101.9489% | 622 |
| Net loans and leases to core deposits | 105.5341% | 1,304 |
| Total domestic deposits to total assets | 87.7751% | 1,481 |
| Equity capital to assets | 9.0317% | 4,887 |
| Core capital (leverage) ratio | 8.7543% | 5,010 |
| Tier 1 risk-based capital ratio | 11.6669% | 4,847 |
| Total risk-based capital ratio | 12.8791% | 4,752 |
| Memoranda: | ||
| Average total assets | $58,731,000 | 5,044 |
| Average earning assets | $53,893,750 | 5,049 |
| Average equity | $5,221,250 | 5,288 |
| Average total loans | $50,905,000 | 4,481 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8067% | 163 |
| Cost of funding earning assets | 1.1062% | 98 |
| Net interest margin | 4.7004% | 394 |
| Noninterest income to average assets | 0.8534% | 1,410 |
| Noninterest expense to average assets | 2.8538% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.3076% | 175 |
| Return on assets (ROA) | 2.3076% | 173 |
| Pretax return on assets | 2.3076% | 293 |
| Return on Equity (ROE) | 26.0970% | 67 |
| Retained earnings to average equity (ytd only) | -10.1917% | 5,655 |
| Net charge-offs to loans | -0.1678% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2910% | 4,896 |
| Assets per employee ($millions) | 3.2410% | 5,046 |
| Cash dividends to net income (ytd only)* | 139.0533% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,820 |
| Loan loss allowance to noncurrent loans | 781.1594% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 4,192 |
| Noncurrent loans to loans | 0.1351% | 4,576 |
| Net loans and leases to total assets | 86.6176% | 236 |
| Net loans and leases to deposits | 96.9550% | 988 |
| Net loans and leases to core deposits | 100.3495% | 1,628 |
| Total domestic deposits to total assets | 89.3380% | 791 |
| Equity capital to assets | 8.7833% | 5,078 |
| Core capital (leverage) ratio | 8.1235% | 5,474 |
| Tier 1 risk-based capital ratio | 11.5404% | 4,931 |
| Total risk-based capital ratio | 12.7903% | 4,827 |
| Memoranda: | ||
| Average total assets | $58,588,670 | 5,090 |
| Average earning assets | $53,697,000 | 5,091 |
| Average equity | $5,180,670 | 5,331 |
| Average total loans | $50,048,670 | 4,528 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4335% | 259 |
| Cost of funding earning assets | 1.0867% | 104 |
| Net interest margin | 4.3468% | 711 |
| Noninterest income to average assets | 0.8993% | 1,245 |
| Noninterest expense to average assets | 2.8477% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0302% | 285 |
| Return on assets (ROA) | 2.0302% | 296 |
| Pretax return on assets | 2.0302% | 476 |
| Return on Equity (ROE) | 22.8835% | 124 |
| Retained earnings to average equity (ytd only) | -22.8067% | 5,757 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3799% | 4,674 |
| Assets per employee ($millions) | 3.2603% | 5,093 |
| Cash dividends to net income (ytd only)* | 199.6644% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,110 |
| Loan loss allowance to noncurrent loans | 119.4712% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 1,834 |
| Noncurrent loans to loans | 0.8603% | 2,311 |
| Net loans and leases to total assets | 81.5476% | 621 |
| Net loans and leases to deposits | 94.6632% | 1,049 |
| Net loans and leases to core deposits | 97.5738% | 1,696 |
| Total domestic deposits to total assets | 86.1449% | 2,607 |
| Equity capital to assets | 8.6426% | 5,116 |
| Core capital (leverage) ratio | 8.3398% | 5,350 |
| Tier 1 risk-based capital ratio | 11.5326% | 5,008 |
| Total risk-based capital ratio | 12.6985% | 4,957 |
| Memoranda: | ||
| Average total assets | $58,714,000 | 5,138 |
| Average earning assets | $53,740,500 | 5,145 |
| Average equity | $5,209,000 | 5,380 |
| Average total loans | $49,538,000 | 4,578 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8715% | 143 |
| Cost of funding earning assets | 1.0603% | 125 |
| Net interest margin | 4.8112% | 345 |
| Noninterest income to average assets | 1.0044% | 1,135 |
| Noninterest expense to average assets | 2.7639% | 3,142 |
| Loan and lease loss provision to assets | 0.3160% | 589 |
| Net operating income to assets | 2.3165% | 193 |
| Return on assets (ROA) | 2.3515% | 188 |
| Pretax return on assets | 2.3515% | 250 |
| Return on Equity (ROE) | 25.9364% | 67 |
| Retained earnings to average equity (ytd only) | -3.5034% | 5,612 |
| Net charge-offs to loans | 0.3367% | 816 |
| Credit loss provision to net charge-offs | 106.1453% | 2,453 |
| Earnings coverage of net charge-offs (x) | 8.8436% | 2,829 |
| Efficiency ratio | 51.2173% | 5,425 |
| Assets per employee ($millions) | 3.2634% | 5,085 |
| Cash dividends to net income (ytd only)* | 113.5078% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 4,439 |
| Loan loss allowance to noncurrent loans | 118.8995% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 1,896 |
| Noncurrent loans to loans | 0.8241% | 2,463 |
| Net loans and leases to total assets | 85.5010% | 266 |
| Net loans and leases to deposits | 99.9781% | 671 |
| Net loans and leases to core deposits | 101.5057% | 1,488 |
| Total domestic deposits to total assets | 85.5197% | 2,821 |
| Equity capital to assets | 9.1008% | 4,710 |
| Core capital (leverage) ratio | 8.7210% | 5,052 |
| Tier 1 risk-based capital ratio | 11.8504% | 4,820 |
| Total risk-based capital ratio | 12.9802% | 4,812 |
| Memoranda: | ||
| Average total assets | $60,133,000 | 5,138 |
| Average earning assets | $54,892,200 | 5,151 |
| Average equity | $5,451,800 | 5,381 |
| Average total loans | $53,166,400 | 4,485 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9450% | 128 |
| Cost of funding earning assets | 1.0528% | 126 |
| Net interest margin | 4.8922% | 308 |
| Noninterest income to average assets | 0.9986% | 1,153 |
| Noninterest expense to average assets | 2.7446% | 3,194 |
| Loan and lease loss provision to assets | 0.0882% | 2,467 |
| Net operating income to assets | 2.6322% | 136 |
| Return on assets (ROA) | 2.6344% | 136 |
| Pretax return on assets | 2.6344% | 181 |
| Return on Equity (ROE) | 29.0839% | 47 |
| Retained earnings to average equity (ytd only) | -1.0952% | 5,505 |
| Net charge-offs to loans | 0.0570% | 2,546 |
| Credit loss provision to net charge-offs | 173.9130% | 1,602 |
| Earnings coverage of net charge-offs (x) | 53.6449% | 1,022 |
| Efficiency ratio | 50.2219% | 5,490 |
| Assets per employee ($millions) | 3.3958% | 4,912 |
| Cash dividends to net income (ytd only)* | 103.7658% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,797 |
| Loan loss allowance to noncurrent loans | 785.9375% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 3,888 |
| Noncurrent loans to loans | 0.1173% | 4,869 |
| Net loans and leases to total assets | 88.4303% | 112 |
| Net loans and leases to deposits | 107.1226% | 336 |
| Net loans and leases to core deposits | 108.2012% | 1,034 |
| Total domestic deposits to total assets | 82.5505% | 3,760 |
| Equity capital to assets | 9.0569% | 5,118 |
| Core capital (leverage) ratio | 8.6326% | 5,228 |
| Tier 1 risk-based capital ratio | 11.4468% | 5,121 |
| Total risk-based capital ratio | 12.5176% | 5,118 |
| Memoranda: | ||
| Average total assets | $60,480,750 | 5,177 |
| Average earning assets | $55,216,000 | 5,189 |
| Average equity | $5,478,250 | 5,430 |
| Average total loans | $53,777,500 | 4,499 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1290% | 113 |
| Cost of funding earning assets | 1.0354% | 135 |
| Net interest margin | 5.0936% | 213 |
| Noninterest income to average assets | 0.7566% | 1,901 |
| Noninterest expense to average assets | 2.7876% | 3,065 |
| Loan and lease loss provision to assets | 0.1327% | 1,725 |
| Net operating income to assets | 2.4890% | 154 |
| Return on assets (ROA) | 2.4890% | 155 |
| Pretax return on assets | 2.4890% | 223 |
| Return on Equity (ROE) | 27.4776% | 62 |
| Retained earnings to average equity (ytd only) | -4.5796% | 5,731 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5337% | 5,470 |
| Assets per employee ($millions) | 3.4413% | 4,851 |
| Cash dividends to net income (ytd only)* | 116.6667% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,758 |
| Loan loss allowance to noncurrent loans | 665.8228% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 3,884 |
| Noncurrent loans to loans | 0.1427% | 4,863 |
| Net loans and leases to total assets | 88.5475% | 115 |
| Net loans and leases to deposits | 106.6686% | 341 |
| Net loans and leases to core deposits | 109.8804% | 938 |
| Total domestic deposits to total assets | 83.0118% | 3,649 |
| Equity capital to assets | 8.7774% | 5,420 |
| Core capital (leverage) ratio | 8.7926% | 5,067 |
| Tier 1 risk-based capital ratio | 11.1765% | 5,326 |
| Total risk-based capital ratio | 12.2904% | 5,319 |
| Memoranda: | ||
| Average total assets | $60,266,000 | 5,237 |
| Average earning assets | $55,049,330 | 5,250 |
| Average equity | $5,459,000 | 5,484 |
| Average total loans | $53,518,000 | 4,540 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1216% | 108 |
| Cost of funding earning assets | 1.0560% | 117 |
| Net interest margin | 5.0656% | 222 |
| Noninterest income to average assets | 0.6192% | 2,420 |
| Noninterest expense to average assets | 2.8001% | 3,072 |
| Loan and lease loss provision to assets | 0.0673% | 2,614 |
| Net operating income to assets | 2.3693% | 189 |
| Return on assets (ROA) | 2.3693% | 196 |
| Pretax return on assets | 2.3693% | 292 |
| Return on Equity (ROE) | 25.7404% | 88 |
| Retained earnings to average equity (ytd only) | -13.3821% | 5,883 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4704% | 5,428 |
| Assets per employee ($millions) | 3.3412% | 5,063 |
| Cash dividends to net income (ytd only)* | 151.9886% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,862 |
| Loan loss allowance to noncurrent loans | 533.3333% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 3,837 |
| Noncurrent loans to loans | 0.1778% | 4,773 |
| Net loans and leases to total assets | 86.1592% | 211 |
| Net loans and leases to deposits | 100.2399% | 611 |
| Net loans and leases to core deposits | 103.2581% | 1,245 |
| Total domestic deposits to total assets | 85.9530% | 2,688 |
| Equity capital to assets | 8.9506% | 5,216 |
| Core capital (leverage) ratio | 8.7438% | 5,133 |
| Tier 1 risk-based capital ratio | 11.5762% | 5,184 |
| Total risk-based capital ratio | 12.6760% | 5,174 |
| Memoranda: | ||
| Average total assets | $59,427,500 | 5,303 |
| Average earning assets | $54,169,000 | 5,314 |
| Average equity | $5,470,000 | 5,516 |
| Average total loans | $52,589,500 | 4,600 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2206% | 105 |
| Cost of funding earning assets | 0.9911% | 182 |
| Net interest margin | 5.2295% | 177 |
| Noninterest income to average assets | 0.9504% | 1,320 |
| Noninterest expense to average assets | 2.8920% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.8308% | 98 |
| Return on assets (ROA) | 2.8308% | 97 |
| Pretax return on assets | 2.8308% | 133 |
| Return on Equity (ROE) | 30.1139% | 58 |
| Retained earnings to average equity (ytd only) | -1.0852% | 5,669 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5348% | 5,734 |
| Assets per employee ($millions) | 3.2619% | 5,205 |
| Cash dividends to net income (ytd only)* | 103.6036% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 5,014 |
| Loan loss allowance to noncurrent loans | 522.5806% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 3,822 |
| Noncurrent loans to loans | 0.1759% | 4,787 |
| Net loans and leases to total assets | 89.2121% | 84 |
| Net loans and leases to deposits | 104.6742% | 411 |
| Net loans and leases to core deposits | 106.8195% | 1,058 |
| Total domestic deposits to total assets | 85.2284% | 2,987 |
| Equity capital to assets | 9.4645% | 4,593 |
| Core capital (leverage) ratio | 8.8885% | 5,016 |
| Tier 1 risk-based capital ratio | 11.8491% | 5,044 |
| Total risk-based capital ratio | 12.9147% | 5,065 |
| Memoranda: | ||
| Average total assets | $58,817,800 | 5,346 |
| Average earning assets | $53,676,400 | 5,346 |
| Average equity | $5,529,000 | 5,535 |
| Average total loans | $53,168,200 | 4,575 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2949% | 94 |
| Cost of funding earning assets | 0.9627% | 208 |
| Net interest margin | 5.3322% | 159 |
| Noninterest income to average assets | 0.9290% | 1,374 |
| Noninterest expense to average assets | 2.8935% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.9048% | 95 |
| Return on assets (ROA) | 2.9048% | 95 |
| Pretax return on assets | 2.9048% | 132 |
| Return on Equity (ROE) | 30.9542% | 50 |
| Retained earnings to average equity (ytd only) | -1.6418% | 5,816 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9023% | 5,782 |
| Assets per employee ($millions) | 3.4106% | 4,962 |
| Cash dividends to net income (ytd only)* | 105.3045% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 5,293 |
| Loan loss allowance to noncurrent loans | 284.2105% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 4,018 |
| Noncurrent loans to loans | 0.3070% | 4,502 |
| Net loans and leases to total assets | 89.9269% | 67 |
| Net loans and leases to deposits | 112.5754% | 196 |
| Net loans and leases to core deposits | 117.4018% | 546 |
| Total domestic deposits to total assets | 79.8814% | 4,776 |
| Equity capital to assets | 9.0225% | 5,290 |
| Core capital (leverage) ratio | 8.8463% | 5,185 |
| Tier 1 risk-based capital ratio | 11.2713% | 5,507 |
| Total risk-based capital ratio | 12.2866% | 5,536 |
| Memoranda: | ||
| Average total assets | $58,843,750 | 5,414 |
| Average earning assets | $53,735,250 | 5,412 |
| Average equity | $5,522,000 | 5,609 |
| Average total loans | $53,243,750 | 4,625 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 110 |
| Cost of funding earning assets | 0.9486% | 222 |
| Net interest margin | 5.2152% | 180 |
| Noninterest income to average assets | 1.0932% | 1,007 |
| Noninterest expense to average assets | 2.9865% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.8658% | 103 |
| Return on assets (ROA) | 2.8658% | 106 |
| Pretax return on assets | 2.8658% | 150 |
| Return on Equity (ROE) | 30.1287% | 68 |
| Retained earnings to average equity (ytd only) | -4.1332% | 5,981 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0312% | 5,798 |
| Assets per employee ($millions) | 3.2439% | 5,264 |
| Cash dividends to net income (ytd only)* | 113.7184% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 5,234 |
| Loan loss allowance to noncurrent loans | 280.9249% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 4,015 |
| Noncurrent loans to loans | 0.3264% | 4,525 |
| Net loans and leases to total assets | 89.9383% | 68 |
| Net loans and leases to deposits | 111.0747% | 236 |
| Net loans and leases to core deposits | 112.2955% | 738 |
| Total domestic deposits to total assets | 80.9711% | 4,626 |
| Equity capital to assets | 9.3869% | 4,796 |
| Core capital (leverage) ratio | 9.2705% | 4,593 |
| Tier 1 risk-based capital ratio | 11.7299% | 5,320 |
| Total risk-based capital ratio | 12.7954% | 5,355 |
| Memoranda: | ||
| Average total assets | $57,994,670 | 5,486 |
| Average earning assets | $52,922,330 | 5,488 |
| Average equity | $5,516,330 | 5,661 |
| Average total loans | $52,427,330 | 4,690 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1474% | 111 |
| Cost of funding earning assets | 0.9954% | 189 |
| Net interest margin | 5.1519% | 187 |
| Noninterest income to average assets | 1.2457% | 736 |
| Noninterest expense to average assets | 3.0936% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.8444% | 95 |
| Return on assets (ROA) | 2.8444% | 102 |
| Pretax return on assets | 2.8444% | 148 |
| Return on Equity (ROE) | 29.7073% | 58 |
| Retained earnings to average equity (ytd only) | -11.8540% | 6,173 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0979% | 5,805 |
| Assets per employee ($millions) | 3.2039% | 5,409 |
| Cash dividends to net income (ytd only)* | 139.9027% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 5,313 |
| Loan loss allowance to noncurrent loans | 585.5422% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,665 |
| Noncurrent loans to loans | 0.1598% | 5,204 |
| Net loans and leases to total assets | 89.2440% | 75 |
| Net loans and leases to deposits | 109.3112% | 231 |
| Net loans and leases to core deposits | 110.5130% | 724 |
| Total domestic deposits to total assets | 81.6421% | 4,625 |
| Equity capital to assets | 9.4503% | 4,804 |
| Core capital (leverage) ratio | 9.2180% | 4,685 |
| Tier 1 risk-based capital ratio | 11.4301% | 5,595 |
| Total risk-based capital ratio | 12.4782% | 5,612 |
| Memoranda: | ||
| Average total assets | $57,797,000 | 5,546 |
| Average earning assets | $52,640,500 | 5,541 |
| Average equity | $5,534,000 | 5,710 |
| Average total loans | $52,140,500 | 4,731 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3444% | 102 |
| Cost of funding earning assets | 1.0754% | 153 |
| Net interest margin | 5.2690% | 189 |
| Noninterest income to average assets | 0.9347% | 1,401 |
| Noninterest expense to average assets | 2.8215% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.9217% | 100 |
| Return on assets (ROA) | 2.9217% | 99 |
| Pretax return on assets | 2.9217% | 119 |
| Return on Equity (ROE) | 31.2350% | 51 |
| Retained earnings to average equity (ytd only) | 4.4516% | 3,007 |
| Net charge-offs to loans | 0.0292% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 112.7333% | 470 |
| Efficiency ratio | 49.1276% | 6,133 |
| Assets per employee ($millions) | 3.2180% | 5,409 |
| Cash dividends to net income (ytd only)* | 85.7481% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 5,368 |
| Loan loss allowance to noncurrent loans | 305.6604% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 4,284 |
| Noncurrent loans to loans | 0.3039% | 4,756 |
| Net loans and leases to total assets | 89.5000% | 75 |
| Net loans and leases to deposits | 107.5270% | 311 |
| Net loans and leases to core deposits | 112.8202% | 649 |
| Total domestic deposits to total assets | 83.2349% | 3,998 |
| Equity capital to assets | 9.6989% | 4,472 |
| Core capital (leverage) ratio | 9.2031% | 4,677 |
| Tier 1 risk-based capital ratio | 12.3965% | 5,091 |
| Total risk-based capital ratio | 13.4991% | 5,106 |
| Memoranda: | ||
| Average total assets | $57,877,200 | 5,603 |
| Average earning assets | $52,818,400 | 5,597 |
| Average equity | $5,413,800 | 5,761 |
| Average total loans | $51,432,000 | 4,770 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3231% | 107 |
| Cost of funding earning assets | 1.0728% | 169 |
| Net interest margin | 5.2503% | 188 |
| Noninterest income to average assets | 0.9263% | 1,431 |
| Noninterest expense to average assets | 2.7650% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.9539% | 97 |
| Return on assets (ROA) | 2.9539% | 96 |
| Pretax return on assets | 2.9539% | 121 |
| Return on Equity (ROE) | 31.8734% | 48 |
| Retained earnings to average equity (ytd only) | 3.2819% | 4,289 |
| Net charge-offs to loans | 0.0443% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 75.3988% | 736 |
| Efficiency ratio | 48.3481% | 6,183 |
| Assets per employee ($millions) | 3.5261% | 4,813 |
| Cash dividends to net income (ytd only)* | 89.7039% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 5,624 |
| Loan loss allowance to noncurrent loans | 369.4656% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 4,727 |
| Noncurrent loans to loans | 0.2416% | 5,174 |
| Net loans and leases to total assets | 89.6368% | 65 |
| Net loans and leases to deposits | 104.6511% | 375 |
| Net loans and leases to core deposits | 109.4719% | 768 |
| Total domestic deposits to total assets | 85.6530% | 3,038 |
| Equity capital to assets | 9.1854% | 5,161 |
| Core capital (leverage) ratio | 8.9302% | 5,156 |
| Tier 1 risk-based capital ratio | 12.0267% | 5,464 |
| Total risk-based capital ratio | 13.1137% | 5,499 |
| Memoranda: | ||
| Average total assets | $57,865,500 | 5,666 |
| Average earning assets | $52,820,750 | 5,662 |
| Average equity | $5,362,750 | 5,832 |
| Average total loans | $51,208,000 | 4,824 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2660% | 109 |
| Cost of funding earning assets | 1.0866% | 158 |
| Net interest margin | 5.1794% | 209 |
| Noninterest income to average assets | 0.8850% | 1,539 |
| Noninterest expense to average assets | 2.7391% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.8650% | 100 |
| Return on assets (ROA) | 2.8650% | 102 |
| Pretax return on assets | 2.8650% | 129 |
| Return on Equity (ROE) | 30.8184% | 53 |
| Retained earnings to average equity (ytd only) | -2.8598% | 6,086 |
| Net charge-offs to loans | -0.0359% | 5,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8764% | 6,230 |
| Assets per employee ($millions) | 3.4745% | 4,896 |
| Cash dividends to net income (ytd only)* | 109.2796% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,540 |
| Loan loss allowance to noncurrent loans | 361.7021% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,747 |
| Noncurrent loans to loans | 0.2643% | 5,228 |
| Net loans and leases to total assets | 89.4645% | 64 |
| Net loans and leases to deposits | 100.2961% | 544 |
| Net loans and leases to core deposits | 109.1209% | 723 |
| Total domestic deposits to total assets | 89.2004% | 1,250 |
| Equity capital to assets | 8.9542% | 5,353 |
| Core capital (leverage) ratio | 8.8399% | 5,237 |
| Tier 1 risk-based capital ratio | 11.7146% | 5,688 |
| Total risk-based capital ratio | 12.8756% | 5,680 |
| Memoranda: | ||
| Average total assets | $57,173,000 | 5,737 |
| Average earning assets | $52,091,000 | 5,734 |
| Average equity | $5,315,000 | 5,886 |
| Average total loans | $50,205,670 | 4,890 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7965% | 190 |
| Cost of funding earning assets | 1.0717% | 188 |
| Net interest margin | 4.7248% | 442 |
| Noninterest income to average assets | 1.1098% | 907 |
| Noninterest expense to average assets | 2.8030% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.6038% | 137 |
| Return on assets (ROA) | 2.6038% | 143 |
| Pretax return on assets | 2.6038% | 199 |
| Return on Equity (ROE) | 27.4775% | 86 |
| Retained earnings to average equity (ytd only) | 0.0751% | 5,527 |
| Net charge-offs to loans | -0.0740% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8421% | 6,147 |
| Assets per employee ($millions) | 3.3430% | 5,268 |
| Cash dividends to net income (ytd only)* | 99.7268% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,253 |
| Loan loss allowance to noncurrent loans | 286.5169% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 4,645 |
| Noncurrent loans to loans | 0.3730% | 5,008 |
| Net loans and leases to total assets | 83.0673% | 292 |
| Net loans and leases to deposits | 93.6908% | 819 |
| Net loans and leases to core deposits | 102.3457% | 964 |
| Total domestic deposits to total assets | 88.6611% | 1,857 |
| Equity capital to assets | 9.3998% | 4,624 |
| Core capital (leverage) ratio | 9.3459% | 4,507 |
| Tier 1 risk-based capital ratio | 12.3657% | 5,398 |
| Total risk-based capital ratio | 13.5729% | 5,353 |
| Memoranda: | ||
| Average total assets | $56,226,000 | 5,803 |
| Average earning assets | $51,134,500 | 5,808 |
| Average equity | $5,328,000 | 5,918 |
| Average total loans | $48,631,500 | 4,982 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6012% | 89 |
| Cost of funding earning assets | 1.1005% | 283 |
| Net interest margin | 5.5007% | 137 |
| Noninterest income to average assets | 1.2265% | 929 |
| Noninterest expense to average assets | 3.0245% | 2,979 |
| Loan and lease loss provision to assets | 0.2136% | 1,714 |
| Net operating income to assets | 2.9889% | 110 |
| Return on assets (ROA) | 2.9889% | 111 |
| Pretax return on assets | 2.9889% | 125 |
| Return on Equity (ROE) | 31.9007% | 60 |
| Retained earnings to average equity (ytd only) | 4.5410% | 2,934 |
| Net charge-offs to loans | 0.1202% | 3,609 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 29.9833% | 1,193 |
| Efficiency ratio | 48.5706% | 6,472 |
| Assets per employee ($millions) | 3.0901% | 5,693 |
| Cash dividends to net income (ytd only)* | 85.7653% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 5,510 |
| Loan loss allowance to noncurrent loans | 376.6917% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 4,955 |
| Noncurrent loans to loans | 0.2684% | 5,381 |
| Net loans and leases to total assets | 88.1753% | 81 |
| Net loans and leases to deposits | 99.6566% | 497 |
| Net loans and leases to core deposits | 109.1030% | 646 |
| Total domestic deposits to total assets | 88.4792% | 1,914 |
| Equity capital to assets | 9.5539% | 4,341 |
| Core capital (leverage) ratio | 9.1835% | 4,745 |
| Tier 1 risk-based capital ratio | 12.2135% | 5,486 |
| Total risk-based capital ratio | 13.3853% | 5,473 |
| Memoranda: | ||
| Average total assets | $56,175,200 | 5,862 |
| Average earning assets | $51,066,600 | 5,861 |
| Average equity | $5,263,200 | 6,003 |
| Average total loans | $49,936,200 | 4,960 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6072% | 88 |
| Cost of funding earning assets | 1.1025% | 306 |
| Net interest margin | 5.5047% | 131 |
| Noninterest income to average assets | 1.3164% | 853 |
| Noninterest expense to average assets | 2.9003% | 3,312 |
| Loan and lease loss provision to assets | 0.2841% | 1,217 |
| Net operating income to assets | 3.1324% | 96 |
| Return on assets (ROA) | 3.1324% | 97 |
| Pretax return on assets | 3.1324% | 120 |
| Return on Equity (ROE) | 33.5960% | 50 |
| Retained earnings to average equity (ytd only) | 6.8054% | 1,970 |
| Net charge-offs to loans | 0.1599% | 2,955 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 24.0494% | 1,439 |
| Efficiency ratio | 45.9145% | 6,589 |
| Assets per employee ($millions) | 3.2980% | 5,287 |
| Cash dividends to net income (ytd only)* | 79.7427% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 5,728 |
| Loan loss allowance to noncurrent loans | 221.6814% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 4,660 |
| Noncurrent loans to loans | 0.4501% | 5,072 |
| Net loans and leases to total assets | 88.6651% | 66 |
| Net loans and leases to deposits | 101.6481% | 402 |
| Net loans and leases to core deposits | 111.3473% | 526 |
| Total domestic deposits to total assets | 87.2276% | 2,552 |
| Equity capital to assets | 9.5174% | 4,531 |
| Core capital (leverage) ratio | 9.3121% | 4,676 |
| Tier 1 risk-based capital ratio | 12.1170% | 5,708 |
| Total risk-based capital ratio | 13.2729% | 5,703 |
| Memoranda: | ||
| Average total assets | $56,313,750 | 5,925 |
| Average earning assets | $51,155,000 | 5,923 |
| Average equity | $5,250,500 | 6,075 |
| Average total loans | $50,034,000 | 5,002 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5056% | 99 |
| Cost of funding earning assets | 1.1070% | 325 |
| Net interest margin | 5.3986% | 159 |
| Noninterest income to average assets | 1.4504% | 751 |
| Noninterest expense to average assets | 2.8832% | 3,385 |
| Loan and lease loss provision to assets | 0.3192% | 1,101 |
| Net operating income to assets | 3.1598% | 103 |
| Return on assets (ROA) | 3.1598% | 107 |
| Pretax return on assets | 3.1598% | 134 |
| Return on Equity (ROE) | 34.1249% | 51 |
| Retained earnings to average equity (ytd only) | 7.8897% | 1,534 |
| Net charge-offs to loans | 0.2201% | 2,425 |
| Credit loss provision to net charge-offs | 163.6364% | 1,436 |
| Earnings coverage of net charge-offs (x) | 17.8364% | 1,583 |
| Efficiency ratio | 45.3177% | 6,671 |
| Assets per employee ($millions) | 3.3622% | 5,148 |
| Cash dividends to net income (ytd only)* | 76.8799% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,076 |
| Loan loss allowance to noncurrent loans | 383.8710% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 5,265 |
| Noncurrent loans to loans | 0.2398% | 5,705 |
| Net loans and leases to total assets | 89.6392% | 51 |
| Net loans and leases to deposits | 101.3952% | 359 |
| Net loans and leases to core deposits | 110.7303% | 534 |
| Total domestic deposits to total assets | 88.4058% | 1,980 |
| Equity capital to assets | 9.2988% | 4,861 |
| Core capital (leverage) ratio | 9.0552% | 4,904 |
| Tier 1 risk-based capital ratio | 12.1817% | 5,688 |
| Total risk-based capital ratio | 13.2989% | 5,716 |
| Memoranda: | ||
| Average total assets | $56,396,330 | 5,964 |
| Average earning assets | $51,310,000 | 5,959 |
| Average equity | $5,222,000 | 6,121 |
| Average total loans | $49,974,670 | 5,024 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4765% | 94 |
| Cost of funding earning assets | 1.1175% | 345 |
| Net interest margin | 5.3590% | 154 |
| Noninterest income to average assets | 1.0426% | 1,361 |
| Noninterest expense to average assets | 2.9063% | 3,317 |
| Loan and lease loss provision to assets | 0.2142% | 1,732 |
| Net operating income to assets | 2.7849% | 122 |
| Return on assets (ROA) | 2.7849% | 128 |
| Pretax return on assets | 2.7849% | 190 |
| Return on Equity (ROE) | 30.1420% | 76 |
| Retained earnings to average equity (ytd only) | 3.8644% | 3,921 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2140% | 6,553 |
| Assets per employee ($millions) | 3.3400% | 5,355 |
| Cash dividends to net income (ytd only)* | 87.1795% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,173 |
| Loan loss allowance to noncurrent loans | 251.8717% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 5,052 |
| Noncurrent loans to loans | 0.3712% | 5,473 |
| Net loans and leases to total assets | 87.8866% | 74 |
| Net loans and leases to deposits | 98.9785% | 396 |
| Net loans and leases to core deposits | 108.1113% | 559 |
| Total domestic deposits to total assets | 88.7936% | 1,802 |
| Equity capital to assets | 9.1546% | 5,306 |
| Core capital (leverage) ratio | 8.9214% | 5,025 |
| Tier 1 risk-based capital ratio | 11.9272% | 5,960 |
| Total risk-based capital ratio | 13.0432% | 6,009 |
| Memoranda: | ||
| Average total assets | $56,015,500 | 6,020 |
| Average earning assets | $50,830,000 | 6,023 |
| Average equity | $5,175,500 | 6,193 |
| Average total loans | $49,106,000 | 5,087 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6146% | 116 |
| Cost of funding earning assets | 1.3400% | 319 |
| Net interest margin | 5.2746% | 243 |
| Noninterest income to average assets | 1.1548% | 1,170 |
| Noninterest expense to average assets | 2.8412% | 3,872 |
| Loan and lease loss provision to assets | 0.3345% | 2,017 |
| Net operating income to assets | 2.7602% | 116 |
| Return on assets (ROA) | 2.7602% | 127 |
| Pretax return on assets | 2.7602% | 183 |
| Return on Equity (ROE) | 30.0937% | 62 |
| Retained earnings to average equity (ytd only) | 0.1535% | 5,763 |
| Net charge-offs to loans | 0.4856% | 2,288 |
| Credit loss provision to net charge-offs | 79.1667% | 3,862 |
| Earnings coverage of net charge-offs (x) | 7.3250% | 2,630 |
| Efficiency ratio | 47.8648% | 6,716 |
| Assets per employee ($millions) | 3.2501% | 5,512 |
| Cash dividends to net income (ytd only)* | 99.4898% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 6,216 |
| Loan loss allowance to noncurrent loans | 275.6250% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 5,214 |
| Noncurrent loans to loans | 0.3345% | 5,650 |
| Net loans and leases to total assets | 85.7867% | 135 |
| Net loans and leases to deposits | 96.8176% | 571 |
| Net loans and leases to core deposits | 106.6562% | 664 |
| Total domestic deposits to total assets | 88.6065% | 1,836 |
| Equity capital to assets | 9.3265% | 5,115 |
| Core capital (leverage) ratio | 8.7784% | 5,209 |
| Tier 1 risk-based capital ratio | 11.9021% | 5,841 |
| Total risk-based capital ratio | 12.9552% | 5,922 |
| Memoranda: | ||
| Average total assets | $56,807,000 | 6,003 |
| Average earning assets | $51,492,200 | 5,996 |
| Average equity | $5,210,400 | 6,238 |
| Average total loans | $49,426,600 | 5,130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7274% | 102 |
| Cost of funding earning assets | 1.3804% | 317 |
| Net interest margin | 5.3469% | 220 |
| Noninterest income to average assets | 1.1795% | 1,088 |
| Noninterest expense to average assets | 2.7740% | 4,077 |
| Loan and lease loss provision to assets | 0.3264% | 2,011 |
| Net operating income to assets | 2.9279% | 111 |
| Return on assets (ROA) | 2.9279% | 115 |
| Pretax return on assets | 2.9279% | 166 |
| Return on Equity (ROE) | 32.0517% | 58 |
| Retained earnings to average equity (ytd only) | 3.8534% | 4,182 |
| Net charge-offs to loans | 0.6422% | 1,713 |
| Credit loss provision to net charge-offs | 58.3333% | 4,197 |
| Earnings coverage of net charge-offs (x) | 5.8167% | 2,919 |
| Efficiency ratio | 46.0170% | 6,816 |
| Assets per employee ($millions) | 3.3473% | 5,325 |
| Cash dividends to net income (ytd only)* | 87.9782% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 6,650 |
| Loan loss allowance to noncurrent loans | 315.3226% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 5,676 |
| Noncurrent loans to loans | 0.2460% | 5,996 |
| Net loans and leases to total assets | 87.8778% | 97 |
| Net loans and leases to deposits | 99.0492% | 493 |
| Net loans and leases to core deposits | 111.4116% | 524 |
| Total domestic deposits to total assets | 88.7214% | 1,582 |
| Equity capital to assets | 9.3051% | 5,459 |
| Core capital (leverage) ratio | 8.9057% | 5,190 |
| Tier 1 risk-based capital ratio | 12.3355% | 5,745 |
| Total risk-based capital ratio | 13.2762% | 5,910 |
| Memoranda: | ||
| Average total assets | $57,196,000 | 6,062 |
| Average earning assets | $51,866,500 | 6,055 |
| Average equity | $5,224,750 | 6,301 |
| Average total loans | $49,823,500 | 5,177 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6612% | 120 |
| Cost of funding earning assets | 1.4106% | 335 |
| Net interest margin | 5.2505% | 263 |
| Noninterest income to average assets | 1.2288% | 945 |
| Noninterest expense to average assets | 2.7333% | 4,274 |
| Loan and lease loss provision to assets | 0.2444% | 2,618 |
| Net operating income to assets | 3.0195% | 102 |
| Return on assets (ROA) | 3.0195% | 104 |
| Pretax return on assets | 3.0195% | 151 |
| Return on Equity (ROE) | 33.2607% | 62 |
| Retained earnings to average equity (ytd only) | 0.7690% | 5,756 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5763% | 6,899 |
| Assets per employee ($millions) | 3.3534% | 5,319 |
| Cash dividends to net income (ytd only)* | 97.6879% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,581 |
| Loan loss allowance to noncurrent loans | 170.0000% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 3,680 |
| Noncurrent loans to loans | 0.6749% | 5,151 |
| Net loans and leases to total assets | 84.7828% | 184 |
| Net loans and leases to deposits | 95.2337% | 679 |
| Net loans and leases to core deposits | 107.0451% | 699 |
| Total domestic deposits to total assets | 89.0261% | 1,487 |
| Equity capital to assets | 9.0601% | 5,635 |
| Core capital (leverage) ratio | 8.7733% | 5,262 |
| Tier 1 risk-based capital ratio | 11.8962% | 5,997 |
| Total risk-based capital ratio | 13.1461% | 5,967 |
| Memoranda: | ||
| Average total assets | $57,293,330 | 6,097 |
| Average earning assets | $52,033,000 | 6,089 |
| Average equity | $5,201,330 | 6,334 |
| Average total loans | $49,632,330 | 5,212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7765% | 117 |
| Cost of funding earning assets | 1.4888% | 301 |
| Net interest margin | 5.2877% | 253 |
| Noninterest income to average assets | 1.2396% | 923 |
| Noninterest expense to average assets | 2.7091% | 4,390 |
| Loan and lease loss provision to assets | 0.2089% | 2,859 |
| Net operating income to assets | 3.1200% | 96 |
| Return on assets (ROA) | 3.1200% | 112 |
| Pretax return on assets | 3.1200% | 166 |
| Return on Equity (ROE) | 34.3328% | 68 |
| Retained earnings to average equity (ytd only) | 8.6598% | 1,716 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8674% | 6,958 |
| Assets per employee ($millions) | 3.3101% | 5,540 |
| Cash dividends to net income (ytd only)* | 74.7768% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,074 |
| Loan loss allowance to noncurrent loans | 713.6986% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 4,636 |
| Noncurrent loans to loans | 0.1473% | 6,387 |
| Net loans and leases to total assets | 87.1603% | 89 |
| Net loans and leases to deposits | 98.3260% | 428 |
| Net loans and leases to core deposits | 115.6663% | 391 |
| Total domestic deposits to total assets | 88.6442% | 1,926 |
| Equity capital to assets | 9.3565% | 5,020 |
| Core capital (leverage) ratio | 8.6895% | 5,312 |
| Tier 1 risk-based capital ratio | 11.9750% | 5,976 |
| Total risk-based capital ratio | 13.2009% | 5,990 |
| Memoranda: | ||
| Average total assets | $57,436,000 | 6,132 |
| Average earning assets | $52,121,000 | 6,131 |
| Average equity | $5,219,500 | 6,358 |
| Average total loans | $50,001,500 | 5,228 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7984% | 128 |
| Cost of funding earning assets | 1.6735% | 356 |
| Net interest margin | 5.1249% | 324 |
| Noninterest income to average assets | 0.9406% | 1,535 |
| Noninterest expense to average assets | 2.8100% | 4,311 |
| Loan and lease loss provision to assets | 0.1610% | 4,618 |
| Net operating income to assets | 2.6202% | 119 |
| Return on assets (ROA) | 2.7253% | 108 |
| Pretax return on assets | 2.7253% | 157 |
| Return on Equity (ROE) | 34.1039% | 30 |
| Retained earnings to average equity (ytd only) | 11.3043% | 370 |
| Net charge-offs to loans | 0.2535% | 4,189 |
| Credit loss provision to net charge-offs | 73.6434% | 4,712 |
| Earnings coverage of net charge-offs (x) | 12.7209% | 1,597 |
| Efficiency ratio | 50.2577% | 6,819 |
| Assets per employee ($millions) | 2.9301% | 6,229 |
| Cash dividends to net income (ytd only)* | 66.8532% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 6,325 |
| Loan loss allowance to noncurrent loans | 287.1345% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 4,537 |
| Noncurrent loans to loans | 0.3390% | 6,050 |
| Net loans and leases to total assets | 85.2289% | 159 |
| Net loans and leases to deposits | 95.4880% | 704 |
| Net loans and leases to core deposits | 120.0341% | 353 |
| Total domestic deposits to total assets | 89.2562% | 1,394 |
| Equity capital to assets | 8.8292% | 5,764 |
| Core capital (leverage) ratio | 8.2340% | 5,946 |
| Tier 1 risk-based capital ratio | 11.4821% | 6,169 |
| Total risk-based capital ratio | 12.6151% | 6,233 |
| Memoranda: | ||
| Average total assets | $59,002,800 | 6,076 |
| Average earning assets | $53,542,000 | 6,060 |
| Average equity | $4,715,000 | 6,528 |
| Average total loans | $50,886,000 | 5,238 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8921% | 115 |
| Cost of funding earning assets | 1.7056% | 388 |
| Net interest margin | 5.1865% | 297 |
| Noninterest income to average assets | 0.8775% | 1,728 |
| Noninterest expense to average assets | 2.6980% | 4,736 |
| Loan and lease loss provision to assets | 0.2143% | 3,879 |
| Net operating income to assets | 2.6710% | 116 |
| Return on assets (ROA) | 2.7183% | 116 |
| Pretax return on assets | 2.7183% | 177 |
| Return on Equity (ROE) | 34.9248% | 31 |
| Retained earnings to average equity (ytd only) | 3.7678% | 4,058 |
| Net charge-offs to loans | 0.3373% | 3,403 |
| Credit loss provision to net charge-offs | 73.6434% | 4,364 |
| Earnings coverage of net charge-offs (x) | 9.9145% | 1,986 |
| Efficiency ratio | 48.3232% | 6,943 |
| Assets per employee ($millions) | 3.0698% | 5,963 |
| Cash dividends to net income (ytd only)* | 89.2116% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,493 |
| Loan loss allowance to noncurrent loans | 186.6920% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 4,514 |
| Noncurrent loans to loans | 0.5016% | 5,843 |
| Net loans and leases to total assets | 84.6049% | 184 |
| Net loans and leases to deposits | 97.1315% | 628 |
| Net loans and leases to core deposits | 121.3900% | 354 |
| Total domestic deposits to total assets | 87.1034% | 2,591 |
| Equity capital to assets | 7.8165% | 6,798 |
| Core capital (leverage) ratio | 7.5668% | 6,726 |
| Tier 1 risk-based capital ratio | 9.9432% | 6,969 |
| Total risk-based capital ratio | 11.0108% | 7,009 |
| Memoranda: | ||
| Average total assets | $59,103,250 | 6,120 |
| Average earning assets | $53,625,000 | 6,110 |
| Average equity | $4,600,250 | 6,614 |
| Average total loans | $50,998,500 | 5,276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8165% | 135 |
| Cost of funding earning assets | 1.7590% | 366 |
| Net interest margin | 5.0575% | 362 |
| Noninterest income to average assets | 0.8811% | 1,714 |
| Noninterest expense to average assets | 2.7186% | 4,745 |
| Loan and lease loss provision to assets | 0.2400% | 3,512 |
| Net operating income to assets | 2.5060% | 164 |
| Return on assets (ROA) | 2.5060% | 170 |
| Pretax return on assets | 2.5060% | 244 |
| Return on Equity (ROE) | 32.2453% | 56 |
| Retained earnings to average equity (ytd only) | 0.9263% | 5,495 |
| Net charge-offs to loans | 0.1504% | 4,289 |
| Credit loss provision to net charge-offs | 184.2105% | 1,639 |
| Earnings coverage of net charge-offs (x) | 21.0789% | 1,164 |
| Efficiency ratio | 49.7491% | 6,956 |
| Assets per employee ($millions) | 2.9615% | 6,165 |
| Cash dividends to net income (ytd only)* | 97.1272% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 6,028 |
| Loan loss allowance to noncurrent loans | 530.4762% | 633 |
| Noncurrent assets plus other real estate owned to assets | 2.1712% | 3,023 |
| Noncurrent loans to loans | 0.2039% | 6,501 |
| Net loans and leases to total assets | 85.9866% | 141 |
| Net loans and leases to deposits | 100.0255% | 493 |
| Net loans and leases to core deposits | 125.4254% | 322 |
| Total domestic deposits to total assets | 85.9646% | 3,349 |
| Equity capital to assets | 7.8154% | 6,798 |
| Core capital (leverage) ratio | 7.6027% | 6,667 |
| Tier 1 risk-based capital ratio | 9.7647% | 7,042 |
| Total risk-based capital ratio | 10.9828% | 7,047 |
| Memoranda: | ||
| Average total assets | $58,339,000 | 6,197 |
| Average earning assets | $52,871,670 | 6,189 |
| Average equity | $4,534,000 | 6,672 |
| Average total loans | $50,519,670 | 5,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5655% | 192 |
| Cost of funding earning assets | 1.8107% | 364 |
| Net interest margin | 4.7549% | 626 |
| Noninterest income to average assets | 0.8706% | 1,767 |
| Noninterest expense to average assets | 2.8880% | 4,112 |
| Loan and lease loss provision to assets | 0.3109% | 2,682 |
| Net operating income to assets | 1.9898% | 354 |
| Return on assets (ROA) | 1.9898% | 368 |
| Pretax return on assets | 1.9898% | 569 |
| Return on Equity (ROE) | 25.6770% | 152 |
| Retained earnings to average equity (ytd only) | -8.6482% | 6,796 |
| Net charge-offs to loans | 0.2878% | 2,911 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 1,743 |
| Efficiency ratio | 55.6591% | 6,539 |
| Assets per employee ($millions) | 2.9264% | 6,290 |
| Cash dividends to net income (ytd only)* | 133.6806% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 6,170 |
| Loan loss allowance to noncurrent loans | 308.6705% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.7667% | 3,619 |
| Noncurrent loans to loans | 0.3458% | 6,301 |
| Net loans and leases to total assets | 84.5763% | 199 |
| Net loans and leases to deposits | 97.2094% | 614 |
| Net loans and leases to core deposits | 119.4815% | 429 |
| Total domestic deposits to total assets | 87.0043% | 2,934 |
| Equity capital to assets | 7.6119% | 6,807 |
| Core capital (leverage) ratio | 7.4639% | 6,753 |
| Tier 1 risk-based capital ratio | 9.8226% | 7,061 |
| Total risk-based capital ratio | 11.0295% | 7,074 |
| Memoranda: | ||
| Average total assets | $57,894,000 | 6,263 |
| Average earning assets | $52,577,500 | 6,252 |
| Average equity | $4,486,500 | 6,713 |
| Average total loans | $50,036,500 | 5,389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1484% | 119 |
| Cost of funding earning assets | 1.9579% | 705 |
| Net interest margin | 5.1905% | 288 |
| Noninterest income to average assets | 1.0932% | 1,249 |
| Noninterest expense to average assets | 2.7402% | 4,816 |
| Loan and lease loss provision to assets | 0.3573% | 3,977 |
| Net operating income to assets | 2.6652% | 101 |
| Return on assets (ROA) | 2.8099% | 84 |
| Pretax return on assets | 2.8099% | 135 |
| Return on Equity (ROE) | 35.2880% | 24 |
| Retained earnings to average equity (ytd only) | 4.6662% | 2,630 |
| Net charge-offs to loans | 0.2939% | 4,551 |
| Credit loss provision to net charge-offs | 141.8440% | 2,641 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,546 |
| Efficiency ratio | 47.5511% | 7,282 |
| Assets per employee ($millions) | 2.8631% | 6,412 |
| Cash dividends to net income (ytd only)* | 86.7769% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 6,153 |
| Loan loss allowance to noncurrent loans | 58.9888% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.3070% | 2,962 |
| Noncurrent loans to loans | 1.7786% | 3,846 |
| Net loans and leases to total assets | 86.4707% | 163 |
| Net loans and leases to deposits | 102.7603% | 450 |
| Net loans and leases to core deposits | 131.1907% | 315 |
| Total domestic deposits to total assets | 84.1480% | 4,299 |
| Equity capital to assets | 7.8902% | 6,595 |
| Core capital (leverage) ratio | 7.7182% | 6,529 |
| Tier 1 risk-based capital ratio | 10.1115% | 6,930 |
| Total risk-based capital ratio | 11.3063% | 6,942 |
| Memoranda: | ||
| Average total assets | $55,980,400 | 6,341 |
| Average earning assets | $50,361,200 | 6,352 |
| Average equity | $4,457,600 | 6,830 |
| Average total loans | $47,968,000 | 5,562 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3070% | 104 |
| Cost of funding earning assets | 1.9809% | 799 |
| Net interest margin | 5.3261% | 229 |
| Noninterest income to average assets | 1.0827% | 1,219 |
| Noninterest expense to average assets | 2.6613% | 5,056 |
| Loan and lease loss provision to assets | 0.3593% | 3,740 |
| Net operating income to assets | 2.8410% | 93 |
| Return on assets (ROA) | 3.0350% | 81 |
| Pretax return on assets | 3.0350% | 115 |
| Return on Equity (ROE) | 38.0257% | 26 |
| Retained earnings to average equity (ytd only) | 9.3639% | 941 |
| Net charge-offs to loans | 0.0141% | 6,477 |
| Credit loss provision to net charge-offs | 3,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 267.0600% | 123 |
| Efficiency ratio | 45.4025% | 7,409 |
| Assets per employee ($millions) | 2.8769% | 6,431 |
| Cash dividends to net income (ytd only)* | 75.3749% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,381 |
| Loan loss allowance to noncurrent loans | 65.4176% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 2.3741% | 3,002 |
| Noncurrent loans to loans | 1.8668% | 3,844 |
| Net loans and leases to total assets | 85.8945% | 208 |
| Net loans and leases to deposits | 103.5797% | 455 |
| Net loans and leases to core deposits | 138.3788% | 275 |
| Total domestic deposits to total assets | 82.9261% | 4,624 |
| Equity capital to assets | 8.1477% | 6,669 |
| Core capital (leverage) ratio | 7.9597% | 6,402 |
| Tier 1 risk-based capital ratio | 10.6355% | 6,681 |
| Total risk-based capital ratio | 11.9103% | 6,655 |
| Memoranda: | ||
| Average total assets | $55,660,250 | 6,426 |
| Average earning assets | $49,941,750 | 6,437 |
| Average equity | $4,442,500 | 6,929 |
| Average total loans | $47,450,250 | 5,662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2830% | 109 |
| Cost of funding earning assets | 2.0125% | 879 |
| Net interest margin | 5.2706% | 255 |
| Noninterest income to average assets | 1.2901% | 767 |
| Noninterest expense to average assets | 2.7038% | 4,890 |
| Loan and lease loss provision to assets | 0.1090% | 5,821 |
| Net operating income to assets | 3.1980% | 72 |
| Return on assets (ROA) | 3.1980% | 75 |
| Pretax return on assets | 3.1980% | 107 |
| Return on Equity (ROE) | 40.3608% | 23 |
| Retained earnings to average equity (ytd only) | 2.5225% | 4,549 |
| Net charge-offs to loans | 0.0215% | 6,039 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 190 |
| Efficiency ratio | 44.9819% | 7,483 |
| Assets per employee ($millions) | 2.8098% | 6,554 |
| Cash dividends to net income (ytd only)* | 93.7500% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 6,369 |
| Loan loss allowance to noncurrent loans | 331.7568% | 889 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 5,070 |
| Noncurrent loans to loans | 0.3035% | 6,616 |
| Net loans and leases to total assets | 85.8938% | 235 |
| Net loans and leases to deposits | 106.5378% | 368 |
| Net loans and leases to core deposits | 143.8131% | 245 |
| Total domestic deposits to total assets | 80.6228% | 5,532 |
| Equity capital to assets | 7.8815% | 6,863 |
| Core capital (leverage) ratio | 7.8041% | 6,492 |
| Tier 1 risk-based capital ratio | 10.1034% | 6,970 |
| Total risk-based capital ratio | 11.2597% | 7,001 |
| Memoranda: | ||
| Average total assets | $55,034,330 | 6,487 |
| Average earning assets | $49,292,670 | 6,496 |
| Average equity | $4,360,670 | 6,988 |
| Average total loans | $46,589,330 | 5,737 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1199% | 137 |
| Cost of funding earning assets | 2.0849% | 856 |
| Net interest margin | 5.0350% | 388 |
| Noninterest income to average assets | 0.6905% | 2,661 |
| Noninterest expense to average assets | 2.5930% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.5857% | 132 |
| Return on assets (ROA) | 2.5857% | 142 |
| Pretax return on assets | 2.5857% | 220 |
| Return on Equity (ROE) | 32.5436% | 68 |
| Retained earnings to average equity (ytd only) | -11.3718% | 7,035 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0709% | 7,313 |
| Assets per employee ($millions) | 2.6741% | 6,913 |
| Cash dividends to net income (ytd only)* | 134.9432% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,269 |
| Loan loss allowance to noncurrent loans | 323.6111% | 938 |
| Noncurrent assets plus other real estate owned to assets | 1.2191% | 4,737 |
| Noncurrent loans to loans | 0.3223% | 6,658 |
| Net loans and leases to total assets | 82.6802% | 513 |
| Net loans and leases to deposits | 98.0422% | 905 |
| Net loans and leases to core deposits | 128.6146% | 523 |
| Total domestic deposits to total assets | 84.3312% | 3,979 |
| Equity capital to assets | 7.9672% | 6,693 |
| Core capital (leverage) ratio | 7.5864% | 6,751 |
| Tier 1 risk-based capital ratio | 10.4644% | 6,663 |
| Total risk-based capital ratio | 11.6503% | 6,714 |
| Memoranda: | ||
| Average total assets | $54,454,000 | 6,591 |
| Average earning assets | $48,540,000 | 6,609 |
| Average equity | $4,326,500 | 7,058 |
| Average total loans | $45,504,500 | 5,862 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9192% | 87 |
| Cost of funding earning assets | 2.6411% | 688 |
| Net interest margin | 5.2781% | 252 |
| Noninterest income to average assets | 0.9576% | 1,714 |
| Noninterest expense to average assets | 2.9011% | 4,527 |
| Loan and lease loss provision to assets | 0.5477% | 3,631 |
| Net operating income to assets | 2.2344% | 135 |
| Return on assets (ROA) | 2.2344% | 144 |
| Pretax return on assets | 2.2344% | 254 |
| Return on Equity (ROE) | 28.3326% | 59 |
| Retained earnings to average equity (ytd only) | 7.3765% | 849 |
| Net charge-offs to loans | 0.4525% | 3,970 |
| Credit loss provision to net charge-offs | 147.2081% | 3,198 |
| Earnings coverage of net charge-offs (x) | 7.4772% | 2,134 |
| Efficiency ratio | 51.0469% | 7,470 |
| Assets per employee ($millions) | 2.7713% | 6,715 |
| Cash dividends to net income (ytd only)* | 73.9645% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 6,340 |
| Loan loss allowance to noncurrent loans | 119.7943% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9359% | 3,475 |
| Noncurrent loans to loans | 0.8397% | 5,613 |
| Net loans and leases to total assets | 82.7373% | 571 |
| Net loans and leases to deposits | 99.9869% | 903 |
| Net loans and leases to core deposits | 179.7930% | 168 |
| Total domestic deposits to total assets | 82.7482% | 4,641 |
| Equity capital to assets | 7.9241% | 6,647 |
| Core capital (leverage) ratio | 7.6537% | 6,609 |
| Tier 1 risk-based capital ratio | 10.3824% | 6,511 |
| Total risk-based capital ratio | 11.5249% | 6,584 |
| Memoranda: | ||
| Average total assets | $52,945,800 | 6,597 |
| Average earning assets | $47,403,800 | 6,619 |
| Average equity | $4,175,400 | 7,221 |
| Average total loans | $43,531,600 | 5,953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9034% | 88 |
| Cost of funding earning assets | 2.7679% | 652 |
| Net interest margin | 5.1355% | 338 |
| Noninterest income to average assets | 0.9988% | 1,611 |
| Noninterest expense to average assets | 2.8335% | 4,749 |
| Loan and lease loss provision to assets | 0.5606% | 3,147 |
| Net operating income to assets | 2.2143% | 173 |
| Return on assets (ROA) | 2.2143% | 190 |
| Pretax return on assets | 2.2143% | 335 |
| Return on Equity (ROE) | 28.1138% | 75 |
| Retained earnings to average equity (ytd only) | 1.4236% | 4,519 |
| Net charge-offs to loans | 0.5665% | 2,988 |
| Credit loss provision to net charge-offs | 120.8791% | 4,198 |
| Earnings coverage of net charge-offs (x) | 5.9835% | 2,692 |
| Efficiency ratio | 50.5225% | 7,516 |
| Assets per employee ($millions) | 2.7354% | 6,771 |
| Cash dividends to net income (ytd only)* | 94.9363% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 6,656 |
| Loan loss allowance to noncurrent loans | 51.5038% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.7053% | 2,571 |
| Noncurrent loans to loans | 1.7948% | 3,924 |
| Net loans and leases to total assets | 80.5184% | 1,082 |
| Net loans and leases to deposits | 95.8859% | 1,592 |
| Net loans and leases to core deposits | 176.5956% | 208 |
| Total domestic deposits to total assets | 83.9731% | 3,738 |
| Equity capital to assets | 7.5583% | 7,255 |
| Core capital (leverage) ratio | 7.3236% | 7,167 |
| Tier 1 risk-based capital ratio | 9.8071% | 7,133 |
| Total risk-based capital ratio | 10.8224% | 7,283 |
| Memoranda: | ||
| Average total assets | $52,325,750 | 6,665 |
| Average earning assets | $46,965,750 | 6,689 |
| Average equity | $4,121,250 | 7,315 |
| Average total loans | $42,833,500 | 6,029 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0086% | 90 |
| Cost of funding earning assets | 2.8800% | 639 |
| Net interest margin | 5.1286% | 339 |
| Noninterest income to average assets | 1.1294% | 1,233 |
| Noninterest expense to average assets | 2.8643% | 4,666 |
| Loan and lease loss provision to assets | 0.4269% | 3,413 |
| Net operating income to assets | 2.4412% | 119 |
| Return on assets (ROA) | 2.4412% | 131 |
| Pretax return on assets | 2.4412% | 236 |
| Return on Equity (ROE) | 30.5587% | 68 |
| Retained earnings to average equity (ytd only) | 3.1093% | 3,585 |
| Net charge-offs to loans | 0.1561% | 4,635 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 22.3939% | 1,224 |
| Efficiency ratio | 49.9661% | 7,671 |
| Assets per employee ($millions) | 2.6648% | 6,915 |
| Cash dividends to net income (ytd only)* | 89.8251% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,089 |
| Loan loss allowance to noncurrent loans | 82.5368% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.3004% | 2,832 |
| Noncurrent loans to loans | 1.2335% | 4,743 |
| Net loans and leases to total assets | 81.9064% | 971 |
| Net loans and leases to deposits | 100.7966% | 1,196 |
| Net loans and leases to core deposits | 180.4249% | 217 |
| Total domestic deposits to total assets | 81.2590% | 4,973 |
| Equity capital to assets | 7.7962% | 6,986 |
| Core capital (leverage) ratio | 7.5528% | 6,956 |
| Tier 1 risk-based capital ratio | 10.0514% | 6,871 |
| Total risk-based capital ratio | 11.1825% | 6,930 |
| Memoranda: | ||
| Average total assets | $51,531,670 | 6,770 |
| Average earning assets | $46,250,000 | 6,787 |
| Average equity | $4,116,670 | 7,371 |
| Average total loans | $42,291,000 | 6,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1177% | 81 |
| Cost of funding earning assets | 3.0551% | 519 |
| Net interest margin | 5.0626% | 349 |
| Noninterest income to average assets | 1.0977% | 1,239 |
| Noninterest expense to average assets | 2.8825% | 4,220 |
| Loan and lease loss provision to assets | 0.2369% | 4,086 |
| Net operating income to assets | 2.5192% | 131 |
| Return on assets (ROA) | 2.5192% | 158 |
| Pretax return on assets | 2.5192% | 250 |
| Return on Equity (ROE) | 31.1409% | 94 |
| Retained earnings to average equity (ytd only) | 1.3667% | 5,088 |
| Net charge-offs to loans | 0.3189% | 2,824 |
| Credit loss provision to net charge-offs | 90.9091% | 3,981 |
| Earnings coverage of net charge-offs (x) | 10.5758% | 1,943 |
| Efficiency ratio | 51.1204% | 7,500 |
| Assets per employee ($millions) | 2.4961% | 7,283 |
| Cash dividends to net income (ytd only)* | 95.6113% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 6,719 |
| Loan loss allowance to noncurrent loans | 40.0433% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 3.2170% | 1,720 |
| Noncurrent loans to loans | 2.2634% | 2,909 |
| Net loans and leases to total assets | 81.0324% | 1,195 |
| Net loans and leases to deposits | 98.5985% | 1,585 |
| Net loans and leases to core deposits | 191.9842% | 170 |
| Total domestic deposits to total assets | 82.1842% | 4,473 |
| Equity capital to assets | 8.2208% | 6,507 |
| Core capital (leverage) ratio | 7.5152% | 7,146 |
| Tier 1 risk-based capital ratio | 10.6018% | 6,290 |
| Total risk-based capital ratio | 11.5977% | 6,463 |
| Memoranda: | ||
| Average total assets | $50,650,000 | 6,836 |
| Average earning assets | $45,431,500 | 6,863 |
| Average equity | $4,097,500 | 7,418 |
| Average total loans | $41,386,000 | 6,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2186% | 143 |
| Cost of funding earning assets | 3.7824% | 213 |
| Net interest margin | 4.4363% | 1,573 |
| Noninterest income to average assets | 1.3740% | 763 |
| Noninterest expense to average assets | 3.0617% | 3,856 |
| Loan and lease loss provision to assets | 0.0287% | 7,043 |
| Net operating income to assets | 2.2561% | 213 |
| Return on assets (ROA) | 2.2561% | 209 |
| Pretax return on assets | 2.2561% | 351 |
| Return on Equity (ROE) | 28.9425% | 75 |
| Retained earnings to average equity (ytd only) | 1.1538% | 4,538 |
| Net charge-offs to loans | 0.0656% | 5,836 |
| Credit loss provision to net charge-offs | 53.5714% | 6,311 |
| Earnings coverage of net charge-offs (x) | 42.6429% | 868 |
| Efficiency ratio | 57.2656% | 6,826 |
| Assets per employee ($millions) | 2.5689% | 7,064 |
| Cash dividends to net income (ytd only)* | 96.0136% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,735 |
| Loan loss allowance to noncurrent loans | 46.1063% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.8981% | 1,604 |
| Noncurrent loans to loans | 1.9285% | 2,860 |
| Net loans and leases to total assets | 80.9218% | 1,462 |
| Net loans and leases to deposits | 107.1795% | 1,027 |
| Net loans and leases to core deposits | 197.0427% | 181 |
| Total domestic deposits to total assets | 75.5012% | 6,341 |
| Equity capital to assets | 7.9626% | 6,894 |
| Core capital (leverage) ratio | 7.7209% | 6,896 |
| Tier 1 risk-based capital ratio | 10.1605% | 6,565 |
| Total risk-based capital ratio | 11.1258% | 6,760 |
| Memoranda: | ||
| Average total assets | $52,258,000 | 6,687 |
| Average earning assets | $46,796,200 | 6,722 |
| Average equity | $4,073,600 | 7,488 |
| Average total loans | $42,666,200 | 6,039 |