Home > Rolette State Bank > Performance and Condition Ratios
Rolette State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 1,110 |
| Cost of funding earning assets | 1.1784% | 2,859 |
| Net interest margin | 4.3603% | 744 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.5830% | 523 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8805% | 2,607 |
| Return on assets (ROA) | 0.8805% | 2,573 |
| Pretax return on assets | 0.8805% | 3,014 |
| Return on Equity (ROE) | 10.2400% | 2,423 |
| Retained earnings to average equity (ytd only) | 4.9166% | 2,624 |
| Net charge-offs to loans | 0.0654% | 1,194 |
| Credit loss provision to net charge-offs | 119.0476% | 1,681 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,856 |
| Efficiency ratio | 79.3054% | 960 |
| Assets per employee ($millions) | 4.7153% | 3,825 |
| Cash dividends to net income (ytd only)* | 51.9802% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 4,079 |
| Loan loss allowance to noncurrent loans | 961.5385% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 1,981 |
| Noncurrent loans to loans | 0.0757% | 3,182 |
| Net loans and leases to total assets | 72.3100% | 1,544 |
| Net loans and leases to deposits | 90.8330% | 1,202 |
| Net loans and leases to core deposits | 97.3059% | 1,577 |
| Total domestic deposits to total assets | 79.6100% | 3,522 |
| Equity capital to assets | 8.7015% | 2,900 |
| Core capital (leverage) ratio | 9.0711% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,883,600 | 4,348 |
| Average earning assets | $42,175,800 | 4,323 |
| Average equity | $3,945,800 | 4,358 |
| Average total loans | $32,089,800 | 4,112 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4500% | 1,072 |
| Cost of funding earning assets | 0.9976% | 3,049 |
| Net interest margin | 4.4524% | 660 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.4762% | 567 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0826% | 2,109 |
| Return on assets (ROA) | 1.0826% | 2,097 |
| Pretax return on assets | 1.0826% | 2,619 |
| Return on Equity (ROE) | 12.6300% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.0445% | 1,670 |
| Net charge-offs to loans | 0.0550% | 1,118 |
| Credit loss provision to net charge-offs | 115.3846% | 1,513 |
| Earnings coverage of net charge-offs (x) | 29.6154% | 1,599 |
| Efficiency ratio | 75.5245% | 1,222 |
| Assets per employee ($millions) | 4.6901% | 3,823 |
| Cash dividends to net income (ytd only)* | 28.3784% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 4,084 |
| Loan loss allowance to noncurrent loans | 486.2745% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 1,807 |
| Noncurrent loans to loans | 0.1524% | 2,791 |
| Net loans and leases to total assets | 70.8300% | 1,726 |
| Net loans and leases to deposits | 85.3549% | 1,628 |
| Net loans and leases to core deposits | 91.2815% | 1,843 |
| Total domestic deposits to total assets | 82.9900% | 3,020 |
| Equity capital to assets | 8.6757% | 2,610 |
| Core capital (leverage) ratio | 9.3614% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,566,250 | 4,365 |
| Average earning assets | $41,833,750 | 4,349 |
| Average equity | $3,906,500 | 4,374 |
| Average total loans | $31,525,750 | 4,138 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 1,095 |
| Cost of funding earning assets | 0.7934% | 3,222 |
| Net interest margin | 4.4962% | 607 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 3.6391% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0505% | 2,261 |
| Return on assets (ROA) | 1.0505% | 2,258 |
| Pretax return on assets | 1.0505% | 2,774 |
| Return on Equity (ROE) | 12.3000% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.1892% | 1,634 |
| Net charge-offs to loans | 0.0194% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 1,057 |
| Efficiency ratio | 77.5992% | 1,029 |
| Assets per employee ($millions) | 4.3846% | 4,015 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 4,086 |
| Loan loss allowance to noncurrent loans | 391.9355% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 1,523 |
| Noncurrent loans to loans | 0.1938% | 2,497 |
| Net loans and leases to total assets | 72.4000% | 1,479 |
| Net loans and leases to deposits | 80.8044% | 1,916 |
| Net loans and leases to core deposits | 85.5288% | 2,108 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 8.9655% | 2,534 |
| Core capital (leverage) ratio | 9.3492% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,121,333 | 4,390 |
| Average earning assets | $41,591,000 | 4,374 |
| Average equity | $3,852,333 | 4,406 |
| Average total loans | $30,878,000 | 4,157 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 937 |
| Cost of funding earning assets | 0.6974% | 3,066 |
| Net interest margin | 4.5188% | 574 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.6539% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9616% | 2,649 |
| Return on assets (ROA) | 0.9616% | 2,612 |
| Pretax return on assets | 0.9616% | 3,097 |
| Return on Equity (ROE) | 11.5400% | 2,341 |
| Retained earnings to average equity (ytd only) | 11.5395% | 1,351 |
| Net charge-offs to loans | 0.0132% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 741 |
| Efficiency ratio | 79.1667% | 885 |
| Assets per employee ($millions) | 4.6375% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 3,959 |
| Loan loss allowance to noncurrent loans | 875.0000% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 1,854 |
| Noncurrent loans to loans | 0.0985% | 3,051 |
| Net loans and leases to total assets | 60.7500% | 2,578 |
| Net loans and leases to deposits | 66.8597% | 2,859 |
| Net loans and leases to core deposits | 70.6558% | 2,907 |
| Total domestic deposits to total assets | 90.8700% | 840 |
| Equity capital to assets | 8.4226% | 2,950 |
| Core capital (leverage) ratio | 8.7444% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9379% | 1,644 |
| Memoranda: | ||
| Average total assets | $45,759,000 | 4,450 |
| Average earning assets | $41,869,500 | 4,438 |
| Average equity | $3,813,000 | 4,472 |
| Average total loans | $30,323,500 | 4,218 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 1,807 |
| Cost of funding earning assets | 0.4826% | 1,509 |
| Net interest margin | 3.4842% | 1,977 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 3.0803% | 859 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7531% | 3,475 |
| Return on assets (ROA) | 0.7531% | 3,416 |
| Pretax return on assets | 0.7531% | 3,735 |
| Return on Equity (ROE) | 9.8800% | 2,844 |
| Retained earnings to average equity (ytd only) | 6.6295% | 2,399 |
| Net charge-offs to loans | 0.1138% | 658 |
| Credit loss provision to net charge-offs | 96.7742% | 1,582 |
| Earnings coverage of net charge-offs (x) | 12.7419% | 2,099 |
| Efficiency ratio | 79.0784% | 784 |
| Assets per employee ($millions) | 4.5143% | 4,033 |
| Cash dividends to net income (ytd only)* | 32.8767% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 4,110 |
| Loan loss allowance to noncurrent loans | 793.5484% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 1,815 |
| Noncurrent loans to loans | 0.0962% | 3,074 |
| Net loans and leases to total assets | 70.8500% | 1,539 |
| Net loans and leases to deposits | 77.7564% | 1,972 |
| Net loans and leases to core deposits | 79.2242% | 2,183 |
| Total domestic deposits to total assets | 91.1100% | 913 |
| Equity capital to assets | 8.2405% | 2,904 |
| Core capital (leverage) ratio | 8.8231% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5150% | 2,160 |
| Memoranda: | ||
| Average total assets | $48,468,800 | 4,453 |
| Average earning assets | $43,309,600 | 4,443 |
| Average equity | $3,695,600 | 4,552 |
| Average total loans | $27,239,000 | 4,279 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 2,342 |
| Cost of funding earning assets | 0.4746% | 862 |
| Net interest margin | 3.1273% | 2,840 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.9965% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6301% | 3,748 |
| Return on assets (ROA) | 0.6301% | 3,702 |
| Pretax return on assets | 0.6301% | 3,933 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.4201% | 1,844 |
| Net charge-offs to loans | -0.0051% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.6249% | 625 |
| Assets per employee ($millions) | 4.8357% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 3,989 |
| Loan loss allowance to noncurrent loans | 53.3333% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 376 |
| Noncurrent loans to loans | 1.5905% | 430 |
| Net loans and leases to total assets | 59.9500% | 2,508 |
| Net loans and leases to deposits | 65.3804% | 2,762 |
| Net loans and leases to core deposits | 66.5145% | 2,912 |
| Total domestic deposits to total assets | 91.6900% | 977 |
| Equity capital to assets | 7.6225% | 3,140 |
| Core capital (leverage) ratio | 8.5027% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9570% | 2,069 |
| Memoranda: | ||
| Average total assets | $49,300,250 | 4,482 |
| Average earning assets | $43,828,250 | 4,475 |
| Average equity | $3,689,500 | 4,599 |
| Average total loans | $25,991,750 | 4,337 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1872% | 3,082 |
| Cost of funding earning assets | 0.4869% | 562 |
| Net interest margin | 2.7003% | 3,699 |
| Noninterest income to average assets | 0.4797% | 2,309 |
| Noninterest expense to average assets | 3.0152% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1209% | 4,622 |
| Return on assets (ROA) | -0.1209% | 4,592 |
| Pretax return on assets | -0.1209% | 4,580 |
| Return on Equity (ROE) | -1.6257% | 4,603 |
| Retained earnings to average equity (ytd only) | -1.6257% | 4,355 |
| Net charge-offs to loans | -0.0241% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1783% | 148 |
| Assets per employee ($millions) | 4.6405% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,742 |
| Loan loss allowance to noncurrent loans | 384.6154% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 1,790 |
| Noncurrent loans to loans | 0.2514% | 2,474 |
| Net loans and leases to total assets | 50.1695% | 3,365 |
| Net loans and leases to deposits | 54.3600% | 3,516 |
| Net loans and leases to core deposits | 55.2442% | 3,630 |
| Total domestic deposits to total assets | 92.2911% | 730 |
| Equity capital to assets | 7.0859% | 3,721 |
| Core capital (leverage) ratio | 7.4265% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2499% | 1,957 |
| Memoranda: | ||
| Average total assets | $49,614,667 | 4,516 |
| Average earning assets | $44,364,667 | 4,531 |
| Average equity | $3,690,667 | 4,638 |
| Average total loans | $24,910,000 | 4,410 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9566% | 3,381 |
| Cost of funding earning assets | 0.5066% | 480 |
| Net interest margin | 2.4500% | 3,991 |
| Noninterest income to average assets | 0.4335% | 2,477 |
| Noninterest expense to average assets | 2.8876% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2781% | 4,660 |
| Return on assets (ROA) | -0.2781% | 4,647 |
| Pretax return on assets | -0.2781% | 4,631 |
| Return on Equity (ROE) | -3.6486% | 4,677 |
| Retained earnings to average equity (ytd only) | -3.6486% | 4,349 |
| Net charge-offs to loans | -0.0491% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6583% | 128 |
| Assets per employee ($millions) | 4.7541% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,310 |
| Loan loss allowance to noncurrent loans | 378.7879% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 1,928 |
| Noncurrent loans to loans | 0.2913% | 2,427 |
| Net loans and leases to total assets | 42.8473% | 3,829 |
| Net loans and leases to deposits | 46.4000% | 3,955 |
| Net loans and leases to core deposits | 47.1300% | 4,021 |
| Total domestic deposits to total assets | 92.3434% | 453 |
| Equity capital to assets | 7.0102% | 4,210 |
| Core capital (leverage) ratio | 7.4264% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9610% | 1,810 |
| Memoranda: | ||
| Average total assets | $48,899,500 | 4,548 |
| Average earning assets | $43,428,500 | 4,561 |
| Average equity | $3,727,500 | 4,673 |
| Average total loans | $24,435,500 | 4,438 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 1,331 |
| Cost of funding earning assets | 0.6070% | 526 |
| Net interest margin | 3.4055% | 2,011 |
| Noninterest income to average assets | 0.5304% | 2,439 |
| Noninterest expense to average assets | 3.1159% | 827 |
| Loan and lease loss provision to assets | 0.0888% | 1,396 |
| Net operating income to assets | 0.3640% | 4,323 |
| Return on assets (ROA) | 0.3640% | 4,353 |
| Pretax return on assets | 0.3640% | 4,428 |
| Return on Equity (ROE) | 4.3998% | 4,127 |
| Retained earnings to average equity (ytd only) | 4.3998% | 3,054 |
| Net charge-offs to loans | 0.1612% | 595 |
| Credit loss provision to net charge-offs | 95.2381% | 1,848 |
| Earnings coverage of net charge-offs (x) | 4.8571% | 2,478 |
| Efficiency ratio | 87.3134% | 414 |
| Assets per employee ($millions) | 4.1367% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,958 |
| Loan loss allowance to noncurrent loans | 385.9375% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 1,875 |
| Noncurrent loans to loans | 0.2441% | 2,751 |
| Net loans and leases to total assets | 57.0653% | 2,473 |
| Net loans and leases to deposits | 62.7419% | 2,802 |
| Net loans and leases to core deposits | 63.8952% | 2,988 |
| Total domestic deposits to total assets | 90.9524% | 512 |
| Equity capital to assets | 8.3267% | 4,162 |
| Core capital (leverage) ratio | 8.2764% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7732% | 1,939 |
| Memoranda: | ||
| Average total assets | $45,059,000 | 4,613 |
| Average earning assets | $40,199,800 | 4,616 |
| Average equity | $3,727,400 | 4,725 |
| Average total loans | $26,056,000 | 4,456 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 1,027 |
| Cost of funding earning assets | 0.6296% | 542 |
| Net interest margin | 3.6236% | 1,542 |
| Noninterest income to average assets | 0.4449% | 2,863 |
| Noninterest expense to average assets | 3.1918% | 726 |
| Loan and lease loss provision to assets | 0.1491% | 762 |
| Net operating income to assets | 0.3144% | 4,499 |
| Return on assets (ROA) | 0.3144% | 4,523 |
| Pretax return on assets | 0.3144% | 4,578 |
| Return on Equity (ROE) | 3.8074% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.8074% | 3,637 |
| Net charge-offs to loans | 0.2204% | 375 |
| Credit loss provision to net charge-offs | 116.2791% | 1,482 |
| Earnings coverage of net charge-offs (x) | 3.6279% | 2,302 |
| Efficiency ratio | 87.3377% | 386 |
| Assets per employee ($millions) | 4.0646% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,767 |
| Loan loss allowance to noncurrent loans | 393.8462% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 2,052 |
| Noncurrent loans to loans | 0.2597% | 2,893 |
| Net loans and leases to total assets | 55.4092% | 2,804 |
| Net loans and leases to deposits | 61.0242% | 3,135 |
| Net loans and leases to core deposits | 62.1588% | 3,301 |
| Total domestic deposits to total assets | 90.7987% | 433 |
| Equity capital to assets | 8.3894% | 4,283 |
| Core capital (leverage) ratio | 8.3959% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1005% | 1,934 |
| Memoranda: | ||
| Average total assets | $44,947,750 | 4,680 |
| Average earning assets | $39,812,500 | 4,684 |
| Average equity | $3,712,000 | 4,797 |
| Average total loans | $26,016,500 | 4,514 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 737 |
| Cost of funding earning assets | 0.6414% | 604 |
| Net interest margin | 3.8483% | 1,070 |
| Noninterest income to average assets | 0.3909% | 3,150 |
| Noninterest expense to average assets | 3.2781% | 637 |
| Loan and lease loss provision to assets | 0.2221% | 475 |
| Net operating income to assets | 0.3287% | 4,491 |
| Return on assets (ROA) | 0.3287% | 4,515 |
| Pretax return on assets | 0.3287% | 4,559 |
| Return on Equity (ROE) | 4.0011% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.0011% | 3,517 |
| Net charge-offs to loans | 0.3264% | 263 |
| Credit loss provision to net charge-offs | 116.2791% | 1,278 |
| Earnings coverage of net charge-offs (x) | 2.8837% | 2,100 |
| Efficiency ratio | 85.6148% | 494 |
| Assets per employee ($millions) | 3.7322% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,949 |
| Loan loss allowance to noncurrent loans | 393.8462% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 2,208 |
| Noncurrent loans to loans | 0.2450% | 3,069 |
| Net loans and leases to total assets | 58.6590% | 2,584 |
| Net loans and leases to deposits | 64.5178% | 2,948 |
| Net loans and leases to core deposits | 65.7120% | 3,140 |
| Total domestic deposits to total assets | 90.9190% | 400 |
| Equity capital to assets | 8.2995% | 4,353 |
| Core capital (leverage) ratio | 7.9875% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3455% | 1,851 |
| Memoranda: | ||
| Average total assets | $45,026,667 | 4,704 |
| Average earning assets | $40,226,000 | 4,712 |
| Average equity | $3,699,000 | 4,830 |
| Average total loans | $26,345,333 | 4,540 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 678 |
| Cost of funding earning assets | 0.6934% | 563 |
| Net interest margin | 3.8990% | 987 |
| Noninterest income to average assets | 0.4341% | 2,903 |
| Noninterest expense to average assets | 3.1187% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7531% | 3,564 |
| Return on assets (ROA) | 0.7531% | 3,635 |
| Pretax return on assets | 0.7531% | 3,909 |
| Return on Equity (ROE) | 9.2141% | 2,958 |
| Retained earnings to average equity (ytd only) | 9.2141% | 1,883 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5492% | 792 |
| Assets per employee ($millions) | 3.8687% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,737 |
| Loan loss allowance to noncurrent loans | 377.2727% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 2,370 |
| Noncurrent loans to loans | 0.2723% | 3,129 |
| Net loans and leases to total assets | 51.6672% | 3,479 |
| Net loans and leases to deposits | 56.6656% | 3,739 |
| Net loans and leases to core deposits | 57.6656% | 3,861 |
| Total domestic deposits to total assets | 91.1791% | 336 |
| Equity capital to assets | 8.0346% | 4,470 |
| Core capital (leverage) ratio | 8.1368% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0814% | 1,874 |
| Memoranda: | ||
| Average total assets | $45,147,000 | 4,723 |
| Average earning assets | $39,805,500 | 4,738 |
| Average equity | $3,690,000 | 4,854 |
| Average total loans | $26,254,500 | 4,566 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 387 |
| Cost of funding earning assets | 0.8996% | 861 |
| Net interest margin | 4.2253% | 601 |
| Noninterest income to average assets | 0.5586% | 2,380 |
| Noninterest expense to average assets | 3.4148% | 776 |
| Loan and lease loss provision to assets | 1.2745% | 53 |
| Net operating income to assets | -0.3482% | 4,851 |
| Return on assets (ROA) | -0.3482% | 4,867 |
| Pretax return on assets | -0.3482% | 4,854 |
| Return on Equity (ROE) | -3.8174% | 4,884 |
| Retained earnings to average equity (ytd only) | -5.1694% | 4,835 |
| Net charge-offs to loans | 1.7315% | 56 |
| Credit loss provision to net charge-offs | 100.5725% | 2,811 |
| Earnings coverage of net charge-offs (x) | 0.7309% | 3,305 |
| Efficiency ratio | 78.6630% | 984 |
| Assets per employee ($millions) | 3.6558% | 4,578 |
| Cash dividends to net income (ytd only)* | -35.4167% | 4,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 4,245 |
| Loan loss allowance to noncurrent loans | 366.1765% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 2,455 |
| Noncurrent loans to loans | 0.2405% | 3,334 |
| Net loans and leases to total assets | 63.8819% | 2,380 |
| Net loans and leases to deposits | 70.3368% | 2,845 |
| Net loans and leases to core deposits | 75.5126% | 2,771 |
| Total domestic deposits to total assets | 90.8229% | 270 |
| Equity capital to assets | 8.3200% | 4,564 |
| Core capital (leverage) ratio | 7.9467% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,350,000 | 4,754 |
| Average earning assets | $37,015,000 | 4,752 |
| Average equity | $3,772,200 | 4,859 |
| Average total loans | $30,262,600 | 4,513 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 279 |
| Cost of funding earning assets | 0.9216% | 994 |
| Net interest margin | 4.4796% | 398 |
| Noninterest income to average assets | 0.5599% | 2,348 |
| Noninterest expense to average assets | 3.6869% | 545 |
| Loan and lease loss provision to assets | 1.7264% | 47 |
| Net operating income to assets | -0.8579% | 4,936 |
| Return on assets (ROA) | -0.8579% | 4,941 |
| Pretax return on assets | -0.8579% | 4,929 |
| Return on Equity (ROE) | -9.1861% | 4,958 |
| Retained earnings to average equity (ytd only) | -10.9742% | 4,940 |
| Net charge-offs to loans | 2.2540% | 44 |
| Credit loss provision to net charge-offs | 101.3462% | 2,614 |
| Earnings coverage of net charge-offs (x) | 0.5096% | 3,124 |
| Efficiency ratio | 80.9490% | 800 |
| Assets per employee ($millions) | 3.5191% | 4,654 |
| Cash dividends to net income (ytd only)* | -19.4656% | 4,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,349 |
| Loan loss allowance to noncurrent loans | 341.8919% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 2,517 |
| Noncurrent loans to loans | 0.2361% | 3,461 |
| Net loans and leases to total assets | 73.6295% | 1,418 |
| Net loans and leases to deposits | 81.2040% | 2,180 |
| Net loans and leases to core deposits | 87.4258% | 2,199 |
| Total domestic deposits to total assets | 90.6723% | 239 |
| Equity capital to assets | 8.3710% | 4,539 |
| Core capital (leverage) ratio | 8.4232% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,720,000 | 4,788 |
| Average earning assets | $36,312,000 | 4,791 |
| Average equity | $3,802,750 | 4,881 |
| Average total loans | $30,759,750 | 4,528 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 341 |
| Cost of funding earning assets | 0.9315% | 1,236 |
| Net interest margin | 4.5640% | 438 |
| Noninterest income to average assets | 0.5719% | 2,246 |
| Noninterest expense to average assets | 3.7745% | 522 |
| Loan and lease loss provision to assets | 0.1442% | 2,569 |
| Net operating income to assets | 0.7708% | 3,157 |
| Return on assets (ROA) | 0.7708% | 3,266 |
| Pretax return on assets | 0.7708% | 3,671 |
| Return on Equity (ROE) | 7.9651% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.4234% | 1,892 |
| Net charge-offs to loans | 0.1440% | 1,000 |
| Credit loss provision to net charge-offs | 131.8182% | 2,223 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,291 |
| Efficiency ratio | 80.4878% | 855 |
| Assets per employee ($millions) | 3.5131% | 4,653 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,368 |
| Loan loss allowance to noncurrent loans | 37.5929% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 561 |
| Noncurrent loans to loans | 2.0952% | 615 |
| Net loans and leases to total assets | 75.5936% | 1,199 |
| Net loans and leases to deposits | 84.2980% | 1,968 |
| Net loans and leases to core deposits | 90.8360% | 1,999 |
| Total domestic deposits to total assets | 89.6743% | 502 |
| Equity capital to assets | 9.4362% | 3,714 |
| Core capital (leverage) ratio | 9.4576% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,217,000 | 4,820 |
| Average earning assets | $36,284,000 | 4,814 |
| Average equity | $3,892,000 | 4,906 |
| Average total loans | $30,564,333 | 4,552 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 660 |
| Cost of funding earning assets | 0.9804% | 1,507 |
| Net interest margin | 4.2180% | 888 |
| Noninterest income to average assets | 0.6625% | 1,795 |
| Noninterest expense to average assets | 4.2704% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1631% | 4,583 |
| Return on assets (ROA) | 0.1631% | 4,586 |
| Pretax return on assets | 0.1631% | 4,606 |
| Return on Equity (ROE) | 1.6628% | 4,518 |
| Retained earnings to average equity (ytd only) | 1.6628% | 3,561 |
| Net charge-offs to loans | 0.0269% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,889 |
| Efficiency ratio | 96.3218% | 316 |
| Assets per employee ($millions) | 3.6376% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 4,308 |
| Loan loss allowance to noncurrent loans | 17.1589% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 3.5538% | 128 |
| Noncurrent loans to loans | 4.8921% | 131 |
| Net loans and leases to total assets | 72.0323% | 1,912 |
| Net loans and leases to deposits | 80.5607% | 2,623 |
| Net loans and leases to core deposits | 87.1786% | 2,583 |
| Total domestic deposits to total assets | 89.4137% | 501 |
| Equity capital to assets | 9.6391% | 4,092 |
| Core capital (leverage) ratio | 9.6003% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,247,000 | 4,863 |
| Average earning assets | $35,088,000 | 4,864 |
| Average equity | $3,849,000 | 4,952 |
| Average total loans | $29,786,000 | 4,599 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7513% | 360 |
| Cost of funding earning assets | 0.9388% | 2,016 |
| Net interest margin | 4.8126% | 386 |
| Noninterest income to average assets | 0.8174% | 1,395 |
| Noninterest expense to average assets | 4.4675% | 316 |
| Loan and lease loss provision to assets | 0.0609% | 2,820 |
| Net operating income to assets | 0.6092% | 4,130 |
| Return on assets (ROA) | 0.6092% | 4,195 |
| Pretax return on assets | 0.6092% | 4,398 |
| Return on Equity (ROE) | 6.3125% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.4987% | 3,782 |
| Net charge-offs to loans | 0.1626% | 1,234 |
| Credit loss provision to net charge-offs | 48.0000% | 3,147 |
| Earnings coverage of net charge-offs (x) | 5.2800% | 3,109 |
| Efficiency ratio | 86.9565% | 488 |
| Assets per employee ($millions) | 3.2067% | 4,697 |
| Cash dividends to net income (ytd only)* | 60.4167% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 4,285 |
| Loan loss allowance to noncurrent loans | 15.8915% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 4.0229% | 97 |
| Noncurrent loans to loans | 5.0746% | 99 |
| Net loans and leases to total assets | 78.6357% | 984 |
| Net loans and leases to deposits | 88.3603% | 1,791 |
| Net loans and leases to core deposits | 95.9628% | 1,906 |
| Total domestic deposits to total assets | 88.9943% | 673 |
| Equity capital to assets | 9.9818% | 3,938 |
| Core capital (leverage) ratio | 9.7715% | 3,760 |
| Tier 1 risk-based capital ratio | 12.5896% | 4,015 |
| Total risk-based capital ratio | 13.3951% | 4,167 |
| Memoranda: | ||
| Average total assets | $39,395,200 | 4,901 |
| Average earning assets | $35,365,800 | 4,909 |
| Average equity | $3,802,000 | 5,009 |
| Average total loans | $30,744,600 | 4,624 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7690% | 372 |
| Cost of funding earning assets | 0.9109% | 2,181 |
| Net interest margin | 4.8582% | 373 |
| Noninterest income to average assets | 0.6662% | 1,926 |
| Noninterest expense to average assets | 4.2734% | 376 |
| Loan and lease loss provision to assets | 0.0808% | 2,292 |
| Net operating income to assets | 0.6730% | 4,099 |
| Return on assets (ROA) | 0.6730% | 4,160 |
| Pretax return on assets | 0.6730% | 4,402 |
| Return on Equity (ROE) | 7.0317% | 3,665 |
| Retained earnings to average equity (ytd only) | 3.5509% | 3,627 |
| Net charge-offs to loans | 0.2164% | 820 |
| Credit loss provision to net charge-offs | 48.0000% | 2,804 |
| Earnings coverage of net charge-offs (x) | 4.4797% | 3,006 |
| Efficiency ratio | 85.0067% | 552 |
| Assets per employee ($millions) | 3.3448% | 4,633 |
| Cash dividends to net income (ytd only)* | 49.5012% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,503 |
| Loan loss allowance to noncurrent loans | 15.9326% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 3.8467% | 113 |
| Noncurrent loans to loans | 4.8113% | 113 |
| Net loans and leases to total assets | 79.3388% | 939 |
| Net loans and leases to deposits | 93.9769% | 1,218 |
| Net loans and leases to core deposits | 102.1328% | 1,490 |
| Total domestic deposits to total assets | 84.4237% | 2,659 |
| Equity capital to assets | 9.5770% | 4,407 |
| Core capital (leverage) ratio | 9.8260% | 3,818 |
| Tier 1 risk-based capital ratio | 10.6223% | 5,044 |
| Total risk-based capital ratio | 11.3008% | 5,122 |
| Memoranda: | ||
| Average total assets | $39,624,000 | 4,968 |
| Average earning assets | $35,568,250 | 4,976 |
| Average equity | $3,792,250 | 5,084 |
| Average total loans | $30,804,500 | 4,684 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 458 |
| Cost of funding earning assets | 0.8890% | 2,204 |
| Net interest margin | 4.7320% | 463 |
| Noninterest income to average assets | 0.6641% | 1,857 |
| Noninterest expense to average assets | 4.0960% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8314% | 3,539 |
| Return on assets (ROA) | 0.8314% | 3,599 |
| Pretax return on assets | 0.8314% | 4,020 |
| Return on Equity (ROE) | 8.6887% | 2,980 |
| Retained earnings to average equity (ytd only) | 5.0331% | 2,755 |
| Net charge-offs to loans | 0.0527% | 1,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,769 |
| Efficiency ratio | 83.1276% | 722 |
| Assets per employee ($millions) | 3.5727% | 4,412 |
| Cash dividends to net income (ytd only)* | 42.0732% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,201 |
| Loan loss allowance to noncurrent loans | 36.8715% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8219% | 549 |
| Noncurrent loans to loans | 2.3581% | 539 |
| Net loans and leases to total assets | 76.5878% | 1,457 |
| Net loans and leases to deposits | 85.7741% | 2,279 |
| Net loans and leases to core deposits | 93.7372% | 2,261 |
| Total domestic deposits to total assets | 89.2901% | 542 |
| Equity capital to assets | 9.7634% | 4,179 |
| Core capital (leverage) ratio | 9.7336% | 3,897 |
| Tier 1 risk-based capital ratio | 12.4773% | 4,135 |
| Total risk-based capital ratio | 13.3342% | 4,257 |
| Memoranda: | ||
| Average total assets | $39,452,670 | 5,018 |
| Average earning assets | $35,545,000 | 5,014 |
| Average equity | $3,775,000 | 5,124 |
| Average total loans | $30,375,670 | 4,724 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 358 |
| Cost of funding earning assets | 0.8947% | 2,029 |
| Net interest margin | 4.8177% | 390 |
| Noninterest income to average assets | 0.6274% | 1,926 |
| Noninterest expense to average assets | 4.2197% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6577% | 4,067 |
| Return on assets (ROA) | 0.6577% | 4,104 |
| Pretax return on assets | 0.6577% | 4,402 |
| Return on Equity (ROE) | 6.9444% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.9444% | 2,063 |
| Net charge-offs to loans | -0.0132% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5145% | 547 |
| Assets per employee ($millions) | 3.0247% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,038 |
| Loan loss allowance to noncurrent loans | 89.2157% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 1,814 |
| Noncurrent loans to loans | 1.0421% | 1,600 |
| Net loans and leases to total assets | 73.9808% | 1,808 |
| Net loans and leases to deposits | 82.7102% | 2,537 |
| Net loans and leases to core deposits | 90.3444% | 2,461 |
| Total domestic deposits to total assets | 89.4458% | 668 |
| Equity capital to assets | 9.6284% | 4,152 |
| Core capital (leverage) ratio | 9.5304% | 4,096 |
| Tier 1 risk-based capital ratio | 12.9379% | 3,907 |
| Total risk-based capital ratio | 13.8637% | 3,970 |
| Memoranda: | ||
| Average total assets | $39,529,000 | 5,066 |
| Average earning assets | $34,871,500 | 5,081 |
| Average equity | $3,744,000 | 5,175 |
| Average total loans | $30,382,000 | 4,780 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 542 |
| Cost of funding earning assets | 0.7647% | 1,715 |
| Net interest margin | 4.5740% | 644 |
| Noninterest income to average assets | 0.8828% | 1,220 |
| Noninterest expense to average assets | 4.3271% | 356 |
| Loan and lease loss provision to assets | 0.0154% | 3,842 |
| Net operating income to assets | 0.6423% | 4,309 |
| Return on assets (ROA) | 0.6423% | 4,314 |
| Pretax return on assets | 0.6423% | 4,552 |
| Return on Equity (ROE) | 6.8516% | 3,877 |
| Retained earnings to average equity (ytd only) | 3.4394% | 3,695 |
| Net charge-offs to loans | 0.0194% | 3,052 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 42.8333% | 1,256 |
| Efficiency ratio | 86.8070% | 485 |
| Assets per employee ($millions) | 3.3114% | 4,726 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,308 |
| Loan loss allowance to noncurrent loans | 198.5401% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,170 |
| Noncurrent loans to loans | 0.4363% | 2,974 |
| Net loans and leases to total assets | 78.3376% | 1,216 |
| Net loans and leases to deposits | 91.1137% | 1,654 |
| Net loans and leases to core deposits | 103.0898% | 1,502 |
| Total domestic deposits to total assets | 85.9778% | 2,242 |
| Equity capital to assets | 9.3163% | 4,304 |
| Core capital (leverage) ratio | 9.5891% | 4,014 |
| Tier 1 risk-based capital ratio | 12.0358% | 4,407 |
| Total risk-based capital ratio | 12.9088% | 4,530 |
| Memoranda: | ||
| Average total assets | $39,079,200 | 5,111 |
| Average earning assets | $35,046,200 | 5,111 |
| Average equity | $3,663,400 | 5,215 |
| Average total loans | $30,979,200 | 4,792 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 671 |
| Cost of funding earning assets | 0.7410% | 1,618 |
| Net interest margin | 4.4269% | 854 |
| Noninterest income to average assets | 0.8497% | 1,331 |
| Noninterest expense to average assets | 4.0532% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7880% | 3,948 |
| Return on assets (ROA) | 0.7880% | 3,960 |
| Pretax return on assets | 0.7880% | 4,327 |
| Return on Equity (ROE) | 8.3930% | 3,384 |
| Retained earnings to average equity (ytd only) | 6.5683% | 2,356 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7226% | 658 |
| Assets per employee ($millions) | 3.2109% | 4,880 |
| Cash dividends to net income (ytd only)* | 21.7407% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,457 |
| Loan loss allowance to noncurrent loans | 126.5116% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 2,521 |
| Noncurrent loans to loans | 0.6725% | 2,397 |
| Net loans and leases to total assets | 82.2662% | 668 |
| Net loans and leases to deposits | 97.8213% | 962 |
| Net loans and leases to core deposits | 109.9861% | 1,032 |
| Total domestic deposits to total assets | 84.0985% | 2,908 |
| Equity capital to assets | 9.6753% | 3,931 |
| Core capital (leverage) ratio | 9.7546% | 3,893 |
| Tier 1 risk-based capital ratio | 12.1603% | 4,403 |
| Total risk-based capital ratio | 13.0299% | 4,505 |
| Memoranda: | ||
| Average total assets | $38,914,750 | 5,175 |
| Average earning assets | $35,087,250 | 5,172 |
| Average equity | $3,653,750 | 5,281 |
| Average total loans | $30,873,750 | 4,849 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 753 |
| Cost of funding earning assets | 0.7262% | 1,493 |
| Net interest margin | 4.3116% | 1,012 |
| Noninterest income to average assets | 0.8913% | 1,204 |
| Noninterest expense to average assets | 4.0571% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6967% | 4,203 |
| Return on assets (ROA) | 0.6967% | 4,208 |
| Pretax return on assets | 0.6967% | 4,524 |
| Return on Equity (ROE) | 7.4952% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.3929% | 2,363 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3448% | 608 |
| Assets per employee ($millions) | 3.2123% | 4,921 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 4,466 |
| Loan loss allowance to noncurrent loans | 124.2009% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,523 |
| Noncurrent loans to loans | 0.7010% | 2,357 |
| Net loans and leases to total assets | 80.3383% | 968 |
| Net loans and leases to deposits | 89.7051% | 1,879 |
| Net loans and leases to core deposits | 100.0873% | 1,733 |
| Total domestic deposits to total assets | 89.5582% | 720 |
| Equity capital to assets | 9.5131% | 4,086 |
| Core capital (leverage) ratio | 9.3096% | 4,353 |
| Tier 1 risk-based capital ratio | 12.2848% | 4,322 |
| Total risk-based capital ratio | 13.1785% | 4,424 |
| Memoranda: | ||
| Average total assets | $39,042,670 | 5,233 |
| Average earning assets | $34,975,670 | 5,239 |
| Average equity | $3,629,000 | 5,347 |
| Average total loans | $30,508,330 | 4,917 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1191% | 564 |
| Cost of funding earning assets | 0.7396% | 1,244 |
| Net interest margin | 4.3795% | 804 |
| Noninterest income to average assets | 0.8348% | 1,351 |
| Noninterest expense to average assets | 3.8381% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8552% | 3,475 |
| Return on assets (ROA) | 0.8552% | 3,491 |
| Pretax return on assets | 0.8552% | 3,996 |
| Return on Equity (ROE) | 9.3075% | 2,764 |
| Retained earnings to average equity (ytd only) | 9.3075% | 1,362 |
| Net charge-offs to loans | 0.0265% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,041 |
| Efficiency ratio | 81.7787% | 969 |
| Assets per employee ($millions) | 3.2675% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,257 |
| Loan loss allowance to noncurrent loans | 123.8532% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 2,668 |
| Noncurrent loans to loans | 0.7607% | 2,296 |
| Net loans and leases to total assets | 72.3948% | 2,111 |
| Net loans and leases to deposits | 80.6260% | 2,735 |
| Net loans and leases to core deposits | 89.7496% | 2,471 |
| Total domestic deposits to total assets | 89.7909% | 746 |
| Equity capital to assets | 9.2884% | 4,275 |
| Core capital (leverage) ratio | 9.3684% | 4,228 |
| Tier 1 risk-based capital ratio | 13.0165% | 3,935 |
| Total risk-based capital ratio | 13.9643% | 4,006 |
| Memoranda: | ||
| Average total assets | $39,290,500 | 5,287 |
| Average earning assets | $34,615,500 | 5,301 |
| Average equity | $3,610,000 | 5,406 |
| Average total loans | $30,142,500 | 4,972 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 492 |
| Cost of funding earning assets | 0.6367% | 1,373 |
| Net interest margin | 4.5052% | 602 |
| Noninterest income to average assets | 1.0032% | 1,013 |
| Noninterest expense to average assets | 4.0557% | 495 |
| Loan and lease loss provision to assets | 0.0758% | 2,678 |
| Net operating income to assets | 0.8945% | 2,741 |
| Return on assets (ROA) | 0.8945% | 2,770 |
| Pretax return on assets | 0.8945% | 3,941 |
| Return on Equity (ROE) | 9.9349% | 1,913 |
| Retained earnings to average equity (ytd only) | 2.9187% | 3,561 |
| Net charge-offs to loans | 0.1966% | 1,299 |
| Credit loss provision to net charge-offs | 48.3871% | 3,347 |
| Earnings coverage of net charge-offs (x) | 6.1935% | 3,218 |
| Efficiency ratio | 80.6938% | 1,046 |
| Assets per employee ($millions) | 3.2809% | 4,958 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,634 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 2,531 |
| Noncurrent loans to loans | 0.7525% | 2,321 |
| Net loans and leases to total assets | 79.6449% | 1,010 |
| Net loans and leases to deposits | 96.6377% | 1,028 |
| Net loans and leases to core deposits | 104.9712% | 1,344 |
| Total domestic deposits to total assets | 82.4160% | 3,754 |
| Equity capital to assets | 9.0879% | 4,631 |
| Core capital (leverage) ratio | 9.0033% | 4,648 |
| Tier 1 risk-based capital ratio | 11.8184% | 4,646 |
| Total risk-based capital ratio | 12.7055% | 4,770 |
| Memoranda: | ||
| Average total assets | $39,574,000 | 5,336 |
| Average earning assets | $35,336,800 | 5,343 |
| Average equity | $3,563,200 | 5,472 |
| Average total loans | $31,533,800 | 4,984 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 554 |
| Cost of funding earning assets | 0.6140% | 1,436 |
| Net interest margin | 4.4339% | 683 |
| Noninterest income to average assets | 0.9522% | 1,138 |
| Noninterest expense to average assets | 3.7888% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1238% | 1,975 |
| Return on assets (ROA) | 1.1238% | 2,040 |
| Pretax return on assets | 1.1238% | 3,217 |
| Return on Equity (ROE) | 12.5107% | 1,182 |
| Retained earnings to average equity (ytd only) | 5.3940% | 2,610 |
| Net charge-offs to loans | 0.0296% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 47.7299% | 1,151 |
| Efficiency ratio | 77.1233% | 1,446 |
| Assets per employee ($millions) | 3.2385% | 5,026 |
| Cash dividends to net income (ytd only)* | 56.8872% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,471 |
| Loan loss allowance to noncurrent loans | 106.0714% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 2,351 |
| Noncurrent loans to loans | 0.8666% | 2,205 |
| Net loans and leases to total assets | 82.3787% | 623 |
| Net loans and leases to deposits | 100.7617% | 695 |
| Net loans and leases to core deposits | 109.6445% | 1,047 |
| Total domestic deposits to total assets | 81.7560% | 3,851 |
| Equity capital to assets | 9.3356% | 4,617 |
| Core capital (leverage) ratio | 9.3019% | 4,408 |
| Tier 1 risk-based capital ratio | 11.5653% | 4,916 |
| Total risk-based capital ratio | 12.5028% | 5,000 |
| Memoranda: | ||
| Average total assets | $39,624,750 | 5,391 |
| Average earning assets | $35,393,250 | 5,402 |
| Average equity | $3,559,500 | 5,536 |
| Average total loans | $31,510,000 | 5,030 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 645 |
| Cost of funding earning assets | 0.6012% | 1,440 |
| Net interest margin | 4.3329% | 796 |
| Noninterest income to average assets | 0.9228% | 1,208 |
| Noninterest expense to average assets | 3.6912% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0632% | 2,150 |
| Return on assets (ROA) | 1.0632% | 2,196 |
| Pretax return on assets | 1.0632% | 3,324 |
| Return on Equity (ROE) | 11.9887% | 1,303 |
| Retained earnings to average equity (ytd only) | 3.2234% | 3,791 |
| Net charge-offs to loans | 0.0192% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 835 |
| Efficiency ratio | 77.6371% | 1,514 |
| Assets per employee ($millions) | 3.2417% | 5,044 |
| Cash dividends to net income (ytd only)* | 73.1132% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,253 |
| Loan loss allowance to noncurrent loans | 108.6643% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 2,426 |
| Noncurrent loans to loans | 0.9046% | 2,167 |
| Net loans and leases to total assets | 77.9460% | 1,258 |
| Net loans and leases to deposits | 86.5770% | 2,157 |
| Net loans and leases to core deposits | 94.5994% | 2,103 |
| Total domestic deposits to total assets | 90.0308% | 528 |
| Equity capital to assets | 9.1028% | 4,802 |
| Core capital (leverage) ratio | 9.0546% | 4,662 |
| Tier 1 risk-based capital ratio | 11.7874% | 4,765 |
| Total risk-based capital ratio | 12.7793% | 4,834 |
| Memoranda: | ||
| Average total assets | $39,879,000 | 5,435 |
| Average earning assets | $35,265,000 | 5,449 |
| Average equity | $3,536,670 | 5,583 |
| Average total loans | $31,243,000 | 5,070 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 456 |
| Cost of funding earning assets | 0.5828% | 1,496 |
| Net interest margin | 4.5022% | 521 |
| Noninterest income to average assets | 0.8819% | 1,299 |
| Noninterest expense to average assets | 3.6266% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1593% | 1,629 |
| Return on assets (ROA) | 1.1593% | 1,668 |
| Pretax return on assets | 1.1593% | 2,747 |
| Return on Equity (ROE) | 13.2409% | 950 |
| Retained earnings to average equity (ytd only) | 13.2409% | 357 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7764% | 1,944 |
| Assets per employee ($millions) | 3.3498% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,250 |
| Loan loss allowance to noncurrent loans | 135.7143% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 3,003 |
| Noncurrent loans to loans | 0.7402% | 2,643 |
| Net loans and leases to total assets | 74.5311% | 1,656 |
| Net loans and leases to deposits | 82.6483% | 2,441 |
| Net loans and leases to core deposits | 90.0186% | 2,343 |
| Total domestic deposits to total assets | 90.1786% | 585 |
| Equity capital to assets | 8.9482% | 4,863 |
| Core capital (leverage) ratio | 8.7340% | 5,018 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,464 |
| Total risk-based capital ratio | 13.4189% | 4,500 |
| Memoranda: | ||
| Average total assets | $40,368,500 | 5,493 |
| Average earning assets | $35,005,000 | 5,517 |
| Average equity | $3,534,500 | 5,641 |
| Average total loans | $31,553,500 | 5,109 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 491 |
| Cost of funding earning assets | 0.5586% | 1,615 |
| Net interest margin | 4.5497% | 554 |
| Noninterest income to average assets | 1.0777% | 971 |
| Noninterest expense to average assets | 4.0508% | 561 |
| Loan and lease loss provision to assets | 0.1115% | 2,201 |
| Net operating income to assets | 0.9712% | 2,487 |
| Return on assets (ROA) | 0.9712% | 2,588 |
| Pretax return on assets | 0.9712% | 3,579 |
| Return on Equity (ROE) | 11.2871% | 1,474 |
| Retained earnings to average equity (ytd only) | 4.6646% | 2,574 |
| Net charge-offs to loans | 0.1715% | 1,590 |
| Credit loss provision to net charge-offs | 81.8182% | 2,947 |
| Earnings coverage of net charge-offs (x) | 7.9455% | 2,948 |
| Efficiency ratio | 78.9093% | 1,568 |
| Assets per employee ($millions) | 3.3783% | 4,938 |
| Cash dividends to net income (ytd only)* | 58.6735% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,672 |
| Loan loss allowance to noncurrent loans | 132.1739% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 3,038 |
| Noncurrent loans to loans | 0.7003% | 2,794 |
| Net loans and leases to total assets | 80.2659% | 863 |
| Net loans and leases to deposits | 91.0589% | 1,570 |
| Net loans and leases to core deposits | 105.7525% | 1,145 |
| Total domestic deposits to total assets | 88.1472% | 1,563 |
| Equity capital to assets | 8.5646% | 5,218 |
| Core capital (leverage) ratio | 8.5902% | 5,177 |
| Tier 1 risk-based capital ratio | 11.3176% | 5,166 |
| Total risk-based capital ratio | 12.2950% | 5,207 |
| Memoranda: | ||
| Average total assets | $40,362,400 | 5,536 |
| Average earning assets | $35,980,200 | 5,541 |
| Average equity | $3,473,000 | 5,704 |
| Average total loans | $32,068,400 | 5,131 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 493 |
| Cost of funding earning assets | 0.5459% | 1,738 |
| Net interest margin | 4.5604% | 545 |
| Noninterest income to average assets | 0.9259% | 1,328 |
| Noninterest expense to average assets | 3.6773% | 884 |
| Loan and lease loss provision to assets | 0.0827% | 2,555 |
| Net operating income to assets | 1.2269% | 1,529 |
| Return on assets (ROA) | 1.2269% | 1,630 |
| Pretax return on assets | 1.2269% | 2,723 |
| Return on Equity (ROE) | 14.2417% | 775 |
| Retained earnings to average equity (ytd only) | 8.8675% | 859 |
| Net charge-offs to loans | 0.2217% | 1,059 |
| Credit loss provision to net charge-offs | 47.1698% | 3,071 |
| Earnings coverage of net charge-offs (x) | 7.4723% | 2,870 |
| Efficiency ratio | 73.7401% | 2,336 |
| Assets per employee ($millions) | 3.4182% | 4,886 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 4,966 |
| Loan loss allowance to noncurrent loans | 122.7468% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 3,203 |
| Noncurrent loans to loans | 0.7101% | 2,906 |
| Net loans and leases to total assets | 79.2945% | 994 |
| Net loans and leases to deposits | 95.4764% | 1,102 |
| Net loans and leases to core deposits | 111.7621% | 823 |
| Total domestic deposits to total assets | 83.0513% | 3,570 |
| Equity capital to assets | 8.7474% | 5,364 |
| Core capital (leverage) ratio | 8.7870% | 5,066 |
| Tier 1 risk-based capital ratio | 11.4260% | 5,139 |
| Total risk-based capital ratio | 12.3368% | 5,228 |
| Memoranda: | ||
| Average total assets | $40,318,250 | 5,595 |
| Average earning assets | $35,902,500 | 5,604 |
| Average equity | $3,473,250 | 5,766 |
| Average total loans | $31,874,750 | 5,185 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 581 |
| Cost of funding earning assets | 0.5425% | 1,762 |
| Net interest margin | 4.4685% | 658 |
| Noninterest income to average assets | 0.9779% | 1,179 |
| Noninterest expense to average assets | 3.6722% | 914 |
| Loan and lease loss provision to assets | 0.1247% | 1,831 |
| Net operating income to assets | 1.1675% | 1,714 |
| Return on assets (ROA) | 1.1675% | 1,813 |
| Pretax return on assets | 1.1675% | 2,918 |
| Return on Equity (ROE) | 13.6245% | 901 |
| Retained earnings to average equity (ytd only) | 7.8020% | 1,243 |
| Net charge-offs to loans | 0.0444% | 2,582 |
| Credit loss provision to net charge-offs | 357.1429% | 844 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,213 |
| Efficiency ratio | 73.9698% | 2,367 |
| Assets per employee ($millions) | 3.2815% | 5,097 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 4,348 |
| Loan loss allowance to noncurrent loans | 127.6923% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 3,025 |
| Noncurrent loans to loans | 0.8065% | 2,734 |
| Net loans and leases to total assets | 81.0275% | 745 |
| Net loans and leases to deposits | 89.7651% | 1,783 |
| Net loans and leases to core deposits | 104.3224% | 1,288 |
| Total domestic deposits to total assets | 90.2661% | 395 |
| Equity capital to assets | 8.8882% | 5,322 |
| Core capital (leverage) ratio | 8.6214% | 5,242 |
| Tier 1 risk-based capital ratio | 11.4725% | 5,175 |
| Total risk-based capital ratio | 12.5632% | 5,172 |
| Memoranda: | ||
| Average total assets | $40,085,000 | 5,661 |
| Average earning assets | $35,761,670 | 5,670 |
| Average equity | $3,435,000 | 5,838 |
| Average total loans | $31,562,670 | 5,248 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0859% | 504 |
| Cost of funding earning assets | 0.5254% | 1,908 |
| Net interest margin | 4.5606% | 539 |
| Noninterest income to average assets | 0.9100% | 1,287 |
| Noninterest expense to average assets | 3.5115% | 1,162 |
| Loan and lease loss provision to assets | 0.2473% | 717 |
| Net operating income to assets | 1.1870% | 1,600 |
| Return on assets (ROA) | 1.1870% | 1,697 |
| Pretax return on assets | 1.1870% | 2,754 |
| Return on Equity (ROE) | 14.1073% | 817 |
| Retained earnings to average equity (ytd only) | 14.1073% | 315 |
| Net charge-offs to loans | 0.0769% | 1,718 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 24.1667% | 1,340 |
| Efficiency ratio | 71.0000% | 2,959 |
| Assets per employee ($millions) | 3.3792% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,153 |
| Loan loss allowance to noncurrent loans | 979.4118% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 5,244 |
| Noncurrent loans to loans | 0.1105% | 5,034 |
| Net loans and leases to total assets | 75.0752% | 1,539 |
| Net loans and leases to deposits | 82.8990% | 2,441 |
| Net loans and leases to core deposits | 95.8382% | 1,819 |
| Total domestic deposits to total assets | 90.5623% | 414 |
| Equity capital to assets | 8.5845% | 5,506 |
| Core capital (leverage) ratio | 8.6316% | 5,260 |
| Tier 1 risk-based capital ratio | 11.8207% | 5,039 |
| Total risk-based capital ratio | 12.9525% | 5,015 |
| Memoranda: | ||
| Average total assets | $40,438,500 | 5,713 |
| Average earning assets | $35,785,000 | 5,721 |
| Average equity | $3,402,500 | 5,893 |
| Average total loans | $31,224,500 | 5,300 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 600 |
| Cost of funding earning assets | 0.5515% | 1,743 |
| Net interest margin | 4.4683% | 695 |
| Noninterest income to average assets | 0.8901% | 1,469 |
| Noninterest expense to average assets | 4.0265% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8427% | 3,143 |
| Return on assets (ROA) | 0.8427% | 3,215 |
| Pretax return on assets | 0.8427% | 4,053 |
| Return on Equity (ROE) | 10.1850% | 1,936 |
| Retained earnings to average equity (ytd only) | 4.1584% | 3,040 |
| Net charge-offs to loans | 0.0258% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 1,125 |
| Efficiency ratio | 82.6933% | 1,309 |
| Assets per employee ($millions) | 3.3606% | 5,049 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,662 |
| Loan loss allowance to noncurrent loans | 1,162.9630% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 5,365 |
| Noncurrent loans to loans | 0.0852% | 5,156 |
| Net loans and leases to total assets | 77.7618% | 1,154 |
| Net loans and leases to deposits | 89.1311% | 1,730 |
| Net loans and leases to core deposits | 111.0918% | 808 |
| Total domestic deposits to total assets | 87.2443% | 2,014 |
| Equity capital to assets | 8.2426% | 5,740 |
| Core capital (leverage) ratio | 8.4433% | 5,480 |
| Tier 1 risk-based capital ratio | 11.1654% | 5,435 |
| Total risk-based capital ratio | 12.2095% | 5,447 |
| Memoranda: | ||
| Average total assets | $40,109,600 | 5,763 |
| Average earning assets | $35,718,400 | 5,770 |
| Average equity | $3,318,600 | 5,952 |
| Average total loans | $31,016,600 | 5,324 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 726 |
| Cost of funding earning assets | 0.5509% | 1,797 |
| Net interest margin | 4.3740% | 835 |
| Noninterest income to average assets | 0.8921% | 1,474 |
| Noninterest expense to average assets | 3.5849% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2083% | 1,623 |
| Return on assets (ROA) | 1.2083% | 1,686 |
| Pretax return on assets | 1.2183% | 2,741 |
| Return on Equity (ROE) | 14.5901% | 793 |
| Retained earnings to average equity (ytd only) | 9.9679% | 638 |
| Net charge-offs to loans | 0.0173% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 91.5553% | 675 |
| Efficiency ratio | 74.6362% | 2,452 |
| Assets per employee ($millions) | 3.2468% | 5,224 |
| Cash dividends to net income (ytd only)* | 31.6804% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 4,752 |
| Loan loss allowance to noncurrent loans | 722.7273% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,302 |
| Noncurrent loans to loans | 0.1382% | 5,080 |
| Net loans and leases to total assets | 80.8865% | 711 |
| Net loans and leases to deposits | 93.6775% | 1,239 |
| Net loans and leases to core deposits | 118.0824% | 528 |
| Total domestic deposits to total assets | 86.3457% | 2,363 |
| Equity capital to assets | 8.8984% | 5,395 |
| Core capital (leverage) ratio | 8.8386% | 5,192 |
| Tier 1 risk-based capital ratio | 11.7504% | 5,236 |
| Total risk-based capital ratio | 12.8278% | 5,258 |
| Memoranda: | ||
| Average total assets | $40,055,250 | 5,837 |
| Average earning assets | $35,816,750 | 5,848 |
| Average equity | $3,317,250 | 6,031 |
| Average total loans | $30,852,500 | 5,389 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 992 |
| Cost of funding earning assets | 0.5457% | 1,860 |
| Net interest margin | 4.1985% | 1,112 |
| Noninterest income to average assets | 0.8659% | 1,553 |
| Noninterest expense to average assets | 3.6467% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9352% | 2,711 |
| Return on assets (ROA) | 0.9352% | 2,827 |
| Pretax return on assets | 0.9500% | 3,771 |
| Return on Equity (ROE) | 11.5691% | 1,506 |
| Retained earnings to average equity (ytd only) | 7.2842% | 1,577 |
| Net charge-offs to loans | 0.0262% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 985 |
| Efficiency ratio | 79.3326% | 1,863 |
| Assets per employee ($millions) | 3.2602% | 5,226 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 4,741 |
| Loan loss allowance to noncurrent loans | 188.1657% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,192 |
| Noncurrent loans to loans | 0.5442% | 3,826 |
| Net loans and leases to total assets | 78.5594% | 1,000 |
| Net loans and leases to deposits | 86.6064% | 1,988 |
| Net loans and leases to core deposits | 100.6451% | 1,433 |
| Total domestic deposits to total assets | 90.7086% | 382 |
| Equity capital to assets | 8.4863% | 5,698 |
| Core capital (leverage) ratio | 8.3607% | 5,668 |
| Tier 1 risk-based capital ratio | 11.5841% | 5,412 |
| Total risk-based capital ratio | 12.6873% | 5,424 |
| Memoranda: | ||
| Average total assets | $40,419,670 | 5,896 |
| Average earning assets | $35,917,670 | 5,907 |
| Average equity | $3,267,330 | 6,098 |
| Average total loans | $30,525,670 | 5,453 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 1,112 |
| Cost of funding earning assets | 0.5382% | 1,941 |
| Net interest margin | 4.1187% | 1,230 |
| Noninterest income to average assets | 0.7305% | 2,017 |
| Noninterest expense to average assets | 3.4966% | 1,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8571% | 2,976 |
| Return on assets (ROA) | 0.8571% | 3,094 |
| Pretax return on assets | 0.8863% | 3,941 |
| Return on Equity (ROE) | 10.8608% | 1,669 |
| Retained earnings to average equity (ytd only) | 10.8608% | 741 |
| Net charge-offs to loans | 0.0397% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,144 |
| Efficiency ratio | 79.7778% | 1,923 |
| Assets per employee ($millions) | 3.4052% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,573 |
| Loan loss allowance to noncurrent loans | 1,029.0323% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 5,640 |
| Noncurrent loans to loans | 0.1058% | 5,380 |
| Net loans and leases to total assets | 70.9192% | 1,994 |
| Net loans and leases to deposits | 77.8754% | 2,823 |
| Net loans and leases to core deposits | 79.9112% | 3,176 |
| Total domestic deposits to total assets | 91.0675% | 343 |
| Equity capital to assets | 8.0784% | 5,993 |
| Core capital (leverage) ratio | 8.0190% | 5,936 |
| Tier 1 risk-based capital ratio | 11.8520% | 5,335 |
| Total risk-based capital ratio | 12.9949% | 5,315 |
| Memoranda: | ||
| Average total assets | $41,068,500 | 5,938 |
| Average earning assets | $36,419,000 | 5,954 |
| Average equity | $3,241,000 | 6,163 |
| Average total loans | $30,262,500 | 5,499 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 970 |
| Cost of funding earning assets | 0.5790% | 1,965 |
| Net interest margin | 4.2931% | 1,072 |
| Noninterest income to average assets | 0.8978% | 1,509 |
| Noninterest expense to average assets | 4.1132% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6128% | 4,311 |
| Return on assets (ROA) | 0.6128% | 4,414 |
| Pretax return on assets | 0.6179% | 4,884 |
| Return on Equity (ROE) | 7.7532% | 3,242 |
| Retained earnings to average equity (ytd only) | 1.3720% | 5,161 |
| Net charge-offs to loans | 0.0583% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.4118% | 2,170 |
| Efficiency ratio | 86.9403% | 1,085 |
| Assets per employee ($millions) | 3.4396% | 4,991 |
| Cash dividends to net income (ytd only)* | 82.3045% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 4,900 |
| Loan loss allowance to noncurrent loans | 607.5472% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 5,519 |
| Noncurrent loans to loans | 0.1697% | 5,220 |
| Net loans and leases to total assets | 74.8758% | 1,437 |
| Net loans and leases to deposits | 81.8307% | 2,498 |
| Net loans and leases to core deposits | 100.2693% | 1,380 |
| Total domestic deposits to total assets | 91.5009% | 227 |
| Equity capital to assets | 7.7068% | 6,174 |
| Core capital (leverage) ratio | 7.9451% | 6,033 |
| Tier 1 risk-based capital ratio | 10.7764% | 6,001 |
| Total risk-based capital ratio | 11.8541% | 6,006 |
| Memoranda: | ||
| Average total assets | $39,653,200 | 6,042 |
| Average earning assets | $35,406,000 | 6,053 |
| Average equity | $3,134,200 | 6,241 |
| Average total loans | $29,165,200 | 5,595 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 1,073 |
| Cost of funding earning assets | 0.5860% | 1,958 |
| Net interest margin | 4.2350% | 1,191 |
| Noninterest income to average assets | 0.8629% | 1,651 |
| Noninterest expense to average assets | 3.9237% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7134% | 3,870 |
| Return on assets (ROA) | 0.7134% | 3,974 |
| Pretax return on assets | 0.7202% | 4,634 |
| Return on Equity (ROE) | 8.9669% | 2,705 |
| Retained earnings to average equity (ytd only) | 3.6295% | 4,065 |
| Net charge-offs to loans | 0.0465% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.2048% | 1,690 |
| Efficiency ratio | 84.4916% | 1,329 |
| Assets per employee ($millions) | 3.2959% | 5,245 |
| Cash dividends to net income (ytd only)* | 59.5236% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 4,863 |
| Loan loss allowance to noncurrent loans | 685.4167% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 5,686 |
| Noncurrent loans to loans | 0.1567% | 5,436 |
| Net loans and leases to total assets | 76.6327% | 1,146 |
| Net loans and leases to deposits | 84.1753% | 2,126 |
| Net loans and leases to core deposits | 104.2836% | 1,090 |
| Total domestic deposits to total assets | 91.0394% | 353 |
| Equity capital to assets | 8.0933% | 6,085 |
| Core capital (leverage) ratio | 8.3791% | 5,778 |
| Tier 1 risk-based capital ratio | 11.4164% | 5,828 |
| Total risk-based capital ratio | 12.5678% | 5,808 |
| Memoranda: | ||
| Average total assets | $39,247,750 | 6,131 |
| Average earning assets | $35,040,750 | 6,135 |
| Average equity | $3,122,500 | 6,315 |
| Average total loans | $28,649,750 | 5,676 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 1,407 |
| Cost of funding earning assets | 0.5947% | 1,941 |
| Net interest margin | 4.0534% | 1,652 |
| Noninterest income to average assets | 0.8941% | 1,513 |
| Noninterest expense to average assets | 4.0616% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4087% | 5,187 |
| Return on assets (ROA) | 0.4087% | 5,269 |
| Pretax return on assets | 0.4189% | 5,503 |
| Return on Equity (ROE) | 5.1674% | 4,597 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,678 |
| Net charge-offs to loans | 0.0429% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,963 |
| Efficiency ratio | 90.6499% | 864 |
| Assets per employee ($millions) | 3.5971% | 4,665 |
| Cash dividends to net income (ytd only)* | 100.0000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 4,683 |
| Loan loss allowance to noncurrent loans | 723.9130% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 5,803 |
| Noncurrent loans to loans | 0.1581% | 5,538 |
| Net loans and leases to total assets | 72.6698% | 1,623 |
| Net loans and leases to deposits | 79.5936% | 2,576 |
| Net loans and leases to core deposits | 81.7200% | 3,004 |
| Total domestic deposits to total assets | 91.3011% | 311 |
| Equity capital to assets | 7.9029% | 6,206 |
| Core capital (leverage) ratio | 7.9126% | 6,152 |
| Tier 1 risk-based capital ratio | 11.2704% | 5,926 |
| Total risk-based capital ratio | 12.4517% | 5,897 |
| Memoranda: | ||
| Average total assets | $39,146,670 | 6,195 |
| Average earning assets | $34,638,000 | 6,204 |
| Average equity | $3,096,330 | 6,371 |
| Average total loans | $27,987,000 | 5,748 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,270 |
| Cost of funding earning assets | 0.6099% | 1,896 |
| Net interest margin | 4.0816% | 1,518 |
| Noninterest income to average assets | 0.8321% | 1,634 |
| Noninterest expense to average assets | 4.3867% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | 0.0205% | 6,195 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0583% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 3,331 |
| Efficiency ratio | 99.5338% | 480 |
| Assets per employee ($millions) | 3.3986% | 5,156 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,459 |
| Loan loss allowance to noncurrent loans | 587.7193% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,833 |
| Noncurrent loans to loans | 0.2100% | 5,463 |
| Net loans and leases to total assets | 65.7186% | 2,615 |
| Net loans and leases to deposits | 71.7571% | 3,369 |
| Net loans and leases to core deposits | 73.6056% | 3,687 |
| Total domestic deposits to total assets | 91.5847% | 356 |
| Equity capital to assets | 7.5963% | 6,280 |
| Core capital (leverage) ratio | 7.7433% | 6,251 |
| Tier 1 risk-based capital ratio | 11.5766% | 5,875 |
| Total risk-based capital ratio | 12.7969% | 5,841 |
| Memoranda: | ||
| Average total assets | $38,936,000 | 6,261 |
| Average earning assets | $34,104,500 | 6,285 |
| Average equity | $3,081,000 | 6,430 |
| Average total loans | $27,437,000 | 5,831 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0668% | 805 |
| Cost of funding earning assets | 0.6409% | 2,291 |
| Net interest margin | 4.4258% | 862 |
| Noninterest income to average assets | 0.8940% | 1,700 |
| Noninterest expense to average assets | 4.0927% | 782 |
| Loan and lease loss provision to assets | 0.2677% | 1,319 |
| Net operating income to assets | 0.5005% | 4,736 |
| Return on assets (ROA) | 0.5005% | 4,868 |
| Pretax return on assets | 0.4336% | 5,403 |
| Return on Equity (ROE) | 6.0350% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.8395% | 4,927 |
| Net charge-offs to loans | 0.1105% | 3,722 |
| Credit loss provision to net charge-offs | 322.5806% | 719 |
| Earnings coverage of net charge-offs (x) | 8.4516% | 2,667 |
| Efficiency ratio | 85.3713% | 1,480 |
| Assets per employee ($millions) | 2.8530% | 6,038 |
| Cash dividends to net income (ytd only)* | 69.5187% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 4,534 |
| Loan loss allowance to noncurrent loans | 193.7143% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 4,824 |
| Noncurrent loans to loans | 0.6309% | 4,404 |
| Net loans and leases to total assets | 73.8710% | 1,368 |
| Net loans and leases to deposits | 81.2322% | 2,293 |
| Net loans and leases to core deposits | 89.1166% | 2,126 |
| Total domestic deposits to total assets | 90.9380% | 596 |
| Equity capital to assets | 8.2612% | 5,814 |
| Core capital (leverage) ratio | 8.6009% | 5,545 |
| Tier 1 risk-based capital ratio | 12.2211% | 5,479 |
| Total risk-based capital ratio | 13.4713% | 5,411 |
| Memoranda: | ||
| Average total assets | $37,359,600 | 6,353 |
| Average earning assets | $32,920,400 | 6,379 |
| Average equity | $3,098,600 | 6,519 |
| Average total loans | $28,045,200 | 5,839 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 880 |
| Cost of funding earning assets | 0.6384% | 2,470 |
| Net interest margin | 4.3929% | 906 |
| Noninterest income to average assets | 0.8585% | 1,900 |
| Noninterest expense to average assets | 4.0896% | 778 |
| Loan and lease loss provision to assets | 0.3562% | 888 |
| Net operating income to assets | 0.3990% | 5,247 |
| Return on assets (ROA) | 0.3990% | 5,382 |
| Pretax return on assets | 0.3099% | 5,851 |
| Return on Equity (ROE) | 4.8059% | 4,822 |
| Retained earnings to average equity (ytd only) | 0.7724% | 5,666 |
| Net charge-offs to loans | 0.1422% | 3,119 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 6.2333% | 3,010 |
| Efficiency ratio | 85.9925% | 1,361 |
| Assets per employee ($millions) | 2.8527% | 6,072 |
| Cash dividends to net income (ytd only)* | 83.9282% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 4,983 |
| Loan loss allowance to noncurrent loans | 918.9189% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 6,137 |
| Noncurrent loans to loans | 0.1280% | 5,937 |
| Net loans and leases to total assets | 77.0473% | 865 |
| Net loans and leases to deposits | 84.7713% | 1,768 |
| Net loans and leases to core deposits | 93.0020% | 1,670 |
| Total domestic deposits to total assets | 90.8885% | 580 |
| Equity capital to assets | 8.2217% | 5,985 |
| Core capital (leverage) ratio | 8.6642% | 5,586 |
| Tier 1 risk-based capital ratio | 11.8233% | 5,890 |
| Total risk-based capital ratio | 13.1051% | 5,820 |
| Memoranda: | ||
| Average total assets | $37,427,250 | 6,421 |
| Average earning assets | $33,204,000 | 6,442 |
| Average equity | $3,107,250 | 6,588 |
| Average total loans | $28,122,250 | 5,899 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 1,101 |
| Cost of funding earning assets | 0.6551% | 2,452 |
| Net interest margin | 4.2433% | 1,159 |
| Noninterest income to average assets | 0.8524% | 1,993 |
| Noninterest expense to average assets | 4.0595% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6872% | 3,865 |
| Return on assets (ROA) | 0.6872% | 4,036 |
| Pretax return on assets | 0.5541% | 5,185 |
| Return on Equity (ROE) | 8.2516% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.0938% | 3,685 |
| Net charge-offs to loans | 0.1005% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,548 |
| Efficiency ratio | 87.9908% | 1,221 |
| Assets per employee ($millions) | 2.8305% | 6,116 |
| Cash dividends to net income (ytd only)* | 50.3876% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,082 |
| Loan loss allowance to noncurrent loans | 474.0741% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 6,054 |
| Noncurrent loans to loans | 0.1939% | 5,825 |
| Net loans and leases to total assets | 74.9952% | 1,107 |
| Net loans and leases to deposits | 82.6351% | 1,975 |
| Net loans and leases to core deposits | 85.1361% | 2,417 |
| Total domestic deposits to total assets | 90.7547% | 644 |
| Equity capital to assets | 8.4328% | 5,835 |
| Core capital (leverage) ratio | 8.3609% | 5,812 |
| Tier 1 risk-based capital ratio | 11.7040% | 5,993 |
| Total risk-based capital ratio | 12.6447% | 6,123 |
| Memoranda: | ||
| Average total assets | $37,541,330 | 6,470 |
| Average earning assets | $33,276,330 | 6,490 |
| Average equity | $3,126,670 | 6,631 |
| Average total loans | $27,858,670 | 5,939 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 1,024 |
| Cost of funding earning assets | 0.6585% | 2,574 |
| Net interest margin | 4.2626% | 1,041 |
| Noninterest income to average assets | 0.7596% | 2,298 |
| Noninterest expense to average assets | 4.2834% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2110% | 5,851 |
| Return on assets (ROA) | 0.2110% | 5,970 |
| Pretax return on assets | 0.2321% | 6,016 |
| Return on Equity (ROE) | 2.5490% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.5490% | 4,748 |
| Net charge-offs to loans | 0.0574% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,360 |
| Efficiency ratio | 94.8598% | 782 |
| Assets per employee ($millions) | 2.9405% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 6,043 |
| Loan loss allowance to noncurrent loans | 542.8571% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 6,189 |
| Noncurrent loans to loans | 0.1811% | 5,948 |
| Net loans and leases to total assets | 70.0971% | 1,640 |
| Net loans and leases to deposits | 77.1885% | 2,464 |
| Net loans and leases to core deposits | 79.4309% | 2,877 |
| Total domestic deposits to total assets | 90.8128% | 605 |
| Equity capital to assets | 8.2324% | 6,232 |
| Core capital (leverage) ratio | 7.7178% | 6,342 |
| Tier 1 risk-based capital ratio | 11.3394% | 6,262 |
| Total risk-based capital ratio | 12.2996% | 6,357 |
| Memoranda: | ||
| Average total assets | $37,913,500 | 6,522 |
| Average earning assets | $33,407,000 | 6,545 |
| Average equity | $3,138,500 | 6,690 |
| Average total loans | $27,862,000 | 5,995 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3855% | 782 |
| Cost of funding earning assets | 0.7320% | 3,239 |
| Net interest margin | 4.6535% | 712 |
| Noninterest income to average assets | 0.8829% | 1,923 |
| Noninterest expense to average assets | 4.2929% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5859% | 4,304 |
| Return on assets (ROA) | 0.5859% | 4,564 |
| Pretax return on assets | 0.6237% | 4,918 |
| Return on Equity (ROE) | 6.9520% | 3,672 |
| Retained earnings to average equity (ytd only) | 2.1465% | 4,725 |
| Net charge-offs to loans | 0.0107% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 496 |
| Efficiency ratio | 87.3147% | 1,299 |
| Assets per employee ($millions) | 2.8923% | 6,168 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,153 |
| Loan loss allowance to noncurrent loans | 473.6842% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 6,183 |
| Noncurrent loans to loans | 0.1989% | 5,972 |
| Net loans and leases to total assets | 75.5106% | 987 |
| Net loans and leases to deposits | 83.1610% | 1,861 |
| Net loans and leases to core deposits | 85.6264% | 2,359 |
| Total domestic deposits to total assets | 90.8005% | 565 |
| Equity capital to assets | 8.3245% | 6,179 |
| Core capital (leverage) ratio | 8.2244% | 5,973 |
| Tier 1 risk-based capital ratio | 10.3154% | 6,612 |
| Total risk-based capital ratio | 11.2081% | 6,680 |
| Memoranda: | ||
| Average total assets | $37,038,200 | 6,581 |
| Average earning assets | $32,104,800 | 6,604 |
| Average equity | $3,121,400 | 6,755 |
| Average total loans | $27,939,800 | 6,040 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 857 |
| Cost of funding earning assets | 0.7470% | 3,376 |
| Net interest margin | 4.6395% | 760 |
| Noninterest income to average assets | 0.7733% | 2,361 |
| Noninterest expense to average assets | 3.9459% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8167% | 3,366 |
| Return on assets (ROA) | 0.8167% | 3,608 |
| Pretax return on assets | 0.8673% | 4,233 |
| Return on Equity (ROE) | 9.6603% | 2,519 |
| Retained earnings to average equity (ytd only) | 4.7447% | 3,565 |
| Net charge-offs to loans | 0.0048% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 240.5940% | 188 |
| Efficiency ratio | 81.9820% | 1,810 |
| Assets per employee ($millions) | 2.5856% | 6,616 |
| Cash dividends to net income (ytd only)* | 50.8844% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,171 |
| Loan loss allowance to noncurrent loans | 604.4444% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 6,409 |
| Noncurrent loans to loans | 0.1615% | 6,209 |
| Net loans and leases to total assets | 76.2452% | 936 |
| Net loans and leases to deposits | 84.5252% | 1,801 |
| Net loans and leases to core deposits | 87.1487% | 2,322 |
| Total domestic deposits to total assets | 90.2041% | 727 |
| Equity capital to assets | 8.7737% | 6,041 |
| Core capital (leverage) ratio | 8.5344% | 5,705 |
| Tier 1 risk-based capital ratio | 10.9633% | 6,498 |
| Total risk-based capital ratio | 11.9055% | 6,604 |
| Memoranda: | ||
| Average total assets | $36,897,750 | 6,667 |
| Average earning assets | $32,129,000 | 6,684 |
| Average equity | $3,119,250 | 6,841 |
| Average total loans | $27,759,250 | 6,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,307 |
| Cost of funding earning assets | 0.7446% | 3,647 |
| Net interest margin | 4.4370% | 1,112 |
| Noninterest income to average assets | 0.7110% | 2,609 |
| Noninterest expense to average assets | 3.8459% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7056% | 3,839 |
| Return on assets (ROA) | 0.7056% | 4,101 |
| Pretax return on assets | 0.7487% | 4,660 |
| Return on Equity (ROE) | 8.4507% | 3,041 |
| Retained earnings to average equity (ytd only) | 3.6125% | 4,193 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7046% | 1,665 |
| Assets per employee ($millions) | 3.1342% | 5,777 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,452 |
| Loan loss allowance to noncurrent loans | 24.5504% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 2.9567% | 1,862 |
| Noncurrent loans to loans | 3.6663% | 1,557 |
| Net loans and leases to total assets | 79.9176% | 519 |
| Net loans and leases to deposits | 89.0340% | 1,250 |
| Net loans and leases to core deposits | 91.6959% | 1,807 |
| Total domestic deposits to total assets | 89.7607% | 1,067 |
| Equity capital to assets | 8.3036% | 6,378 |
| Core capital (leverage) ratio | 7.9693% | 6,306 |
| Tier 1 risk-based capital ratio | 10.8276% | 6,568 |
| Total risk-based capital ratio | 11.7780% | 6,669 |
| Memoranda: | ||
| Average total assets | $37,130,670 | 6,707 |
| Average earning assets | $32,499,670 | 6,722 |
| Average equity | $3,100,330 | 6,883 |
| Average total loans | $27,721,670 | 6,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 1,759 |
| Cost of funding earning assets | 0.7646% | 3,753 |
| Net interest margin | 4.2740% | 1,547 |
| Noninterest income to average assets | 0.6939% | 2,686 |
| Noninterest expense to average assets | 3.9901% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3795% | 5,352 |
| Return on assets (ROA) | 0.3795% | 5,538 |
| Pretax return on assets | 0.4012% | 5,721 |
| Return on Equity (ROE) | 4.5322% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.5322% | 3,862 |
| Net charge-offs to loans | -0.0151% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8642% | 1,026 |
| Assets per employee ($millions) | 3.2653% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 6,259 |
| Loan loss allowance to noncurrent loans | 805.8824% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 6,667 |
| Noncurrent loans to loans | 0.1238% | 6,437 |
| Net loans and leases to total assets | 69.4025% | 1,859 |
| Net loans and leases to deposits | 76.0884% | 2,785 |
| Net loans and leases to core deposits | 78.2314% | 3,293 |
| Total domestic deposits to total assets | 91.2130% | 471 |
| Equity capital to assets | 7.9193% | 6,574 |
| Core capital (leverage) ratio | 8.1129% | 6,143 |
| Tier 1 risk-based capital ratio | 12.4051% | 5,683 |
| Total risk-based capital ratio | 13.5058% | 5,762 |
| Memoranda: | ||
| Average total assets | $36,891,000 | 6,767 |
| Average earning assets | $31,914,000 | 6,797 |
| Average equity | $3,089,000 | 6,938 |
| Average total loans | $26,417,500 | 6,285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 2,807 |
| Cost of funding earning assets | 0.9727% | 3,557 |
| Net interest margin | 4.0432% | 2,659 |
| Noninterest income to average assets | 0.9032% | 1,663 |
| Noninterest expense to average assets | 4.0324% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3039% | 5,234 |
| Return on assets (ROA) | 0.3039% | 5,391 |
| Pretax return on assets | 0.3242% | 5,498 |
| Return on Equity (ROE) | 3.4287% | 5,109 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0597% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,228 |
| Efficiency ratio | 92.5581% | 1,011 |
| Assets per employee ($millions) | 3.1454% | 5,820 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,901 |
| Loan loss allowance to noncurrent loans | 1,011.1111% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 6,755 |
| Noncurrent loans to loans | 0.1064% | 6,545 |
| Net loans and leases to total assets | 72.5281% | 1,554 |
| Net loans and leases to deposits | 80.3728% | 2,451 |
| Net loans and leases to core deposits | 81.8861% | 3,195 |
| Total domestic deposits to total assets | 90.2396% | 856 |
| Equity capital to assets | 8.8875% | 5,689 |
| Core capital (leverage) ratio | 8.9460% | 4,870 |
| Tier 1 risk-based capital ratio | 10.0157% | 6,856 |
| Total risk-based capital ratio | 10.9111% | 6,922 |
| Memoranda: | ||
| Average total assets | $34,545,600 | 6,842 |
| Average earning assets | $29,506,200 | 6,880 |
| Average equity | $3,062,400 | 6,995 |
| Average total loans | $23,434,400 | 6,493 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 3,518 |
| Cost of funding earning assets | 1.0222% | 3,521 |
| Net interest margin | 3.8852% | 3,457 |
| Noninterest income to average assets | 0.9151% | 1,598 |
| Noninterest expense to average assets | 3.7993% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4054% | 4,969 |
| Return on assets (ROA) | 0.4054% | 5,157 |
| Pretax return on assets | 0.4324% | 5,367 |
| Return on Equity (ROE) | 4.5763% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,951 |
| Net charge-offs to loans | 0.0813% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7.9984% | 2,265 |
| Efficiency ratio | 89.7810% | 1,183 |
| Assets per employee ($millions) | 3.3104% | 5,466 |
| Cash dividends to net income (ytd only)* | 100.0000% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,805 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 6,905 |
| Noncurrent loans to loans | 0.0863% | 6,717 |
| Net loans and leases to total assets | 66.0982% | 2,881 |
| Net loans and leases to deposits | 72.9762% | 3,812 |
| Net loans and leases to core deposits | 74.2710% | 4,411 |
| Total domestic deposits to total assets | 90.5751% | 595 |
| Equity capital to assets | 8.4528% | 6,347 |
| Core capital (leverage) ratio | 9.0001% | 4,924 |
| Tier 1 risk-based capital ratio | 9.4399% | 7,061 |
| Total risk-based capital ratio | 10.2838% | 7,105 |
| Memoranda: | ||
| Average total assets | $34,532,250 | 6,905 |
| Average earning assets | $29,478,500 | 6,946 |
| Average equity | $3,059,250 | 7,056 |
| Average total loans | $22,951,250 | 6,579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 4,466 |
| Cost of funding earning assets | 1.0547% | 3,568 |
| Net interest margin | 3.6611% | 4,465 |
| Noninterest income to average assets | 0.9497% | 1,468 |
| Noninterest expense to average assets | 3.8401% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3008% | 5,371 |
| Return on assets (ROA) | 0.3008% | 5,509 |
| Pretax return on assets | 0.3244% | 5,613 |
| Return on Equity (ROE) | 3.3410% | 5,242 |
| Retained earnings to average equity (ytd only) | -1.5722% | 6,170 |
| Net charge-offs to loans | 0.1156% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.2308% | 2,922 |
| Efficiency ratio | 92.2096% | 1,082 |
| Assets per employee ($millions) | 2.5199% | 6,891 |
| Cash dividends to net income (ytd only)* | 147.0588% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,860 |
| Loan loss allowance to noncurrent loans | 1,096.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,923 |
| Noncurrent loans to loans | 0.1024% | 6,717 |
| Net loans and leases to total assets | 68.4175% | 2,533 |
| Net loans and leases to deposits | 75.6030% | 3,544 |
| Net loans and leases to core deposits | 76.9822% | 4,194 |
| Total domestic deposits to total assets | 90.4958% | 716 |
| Equity capital to assets | 8.6199% | 6,035 |
| Core capital (leverage) ratio | 8.7114% | 5,209 |
| Tier 1 risk-based capital ratio | 10.3671% | 6,841 |
| Total risk-based capital ratio | 11.3046% | 6,951 |
| Memoranda: | ||
| Average total assets | $33,905,000 | 6,990 |
| Average earning assets | $29,772,670 | 7,005 |
| Average equity | $3,053,000 | 7,115 |
| Average total loans | $22,487,670 | 6,662 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 3,861 |
| Cost of funding earning assets | 1.1140% | 3,429 |
| Net interest margin | 3.7272% | 3,963 |
| Noninterest income to average assets | 0.9152% | 1,603 |
| Noninterest expense to average assets | 3.9135% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2529% | 5,605 |
| Return on assets (ROA) | 0.2529% | 5,669 |
| Pretax return on assets | 0.2649% | 5,762 |
| Return on Equity (ROE) | 2.7460% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.7460% | 4,523 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6599% | 1,058 |
| Assets per employee ($millions) | 2.9038% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,765 |
| Loan loss allowance to noncurrent loans | 667.4419% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 6,859 |
| Noncurrent loans to loans | 0.2068% | 6,560 |
| Net loans and leases to total assets | 58.8549% | 4,487 |
| Net loans and leases to deposits | 65.2415% | 5,084 |
| Net loans and leases to core deposits | 66.8340% | 5,425 |
| Total domestic deposits to total assets | 90.2109% | 1,017 |
| Equity capital to assets | 8.7990% | 5,498 |
| Core capital (leverage) ratio | 8.4643% | 5,521 |
| Tier 1 risk-based capital ratio | 11.5732% | 6,045 |
| Total risk-based capital ratio | 12.6534% | 6,163 |
| Memoranda: | ||
| Average total assets | $33,218,000 | 7,063 |
| Average earning assets | $29,083,500 | 7,077 |
| Average equity | $3,059,000 | 7,153 |
| Average total loans | $21,526,000 | 6,772 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2452% | 3,387 |
| Cost of funding earning assets | 1.2608% | 4,141 |
| Net interest margin | 3.9844% | 3,083 |
| Noninterest income to average assets | 1.3632% | 793 |
| Noninterest expense to average assets | 4.0601% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6358% | 3,505 |
| Return on assets (ROA) | 0.6358% | 3,658 |
| Pretax return on assets | 0.6860% | 4,023 |
| Return on Equity (ROE) | 7.0138% | 3,118 |
| Retained earnings to average equity (ytd only) | 2.4467% | 4,165 |
| Net charge-offs to loans | 0.0131% | 6,699 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 313 |
| Efficiency ratio | 85.5452% | 1,743 |
| Assets per employee ($millions) | 2.4301% | 7,093 |
| Cash dividends to net income (ytd only)* | 65.1163% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 5,058 |
| Loan loss allowance to noncurrent loans | 896.8750% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 6,980 |
| Noncurrent loans to loans | 0.1438% | 6,787 |
| Net loans and leases to total assets | 69.5451% | 2,647 |
| Net loans and leases to deposits | 77.8360% | 3,536 |
| Net loans and leases to core deposits | 79.9491% | 4,227 |
| Total domestic deposits to total assets | 89.3482% | 1,467 |
| Equity capital to assets | 9.6610% | 4,199 |
| Core capital (leverage) ratio | 9.0915% | 4,373 |
| Tier 1 risk-based capital ratio | 11.6685% | 5,753 |
| Total risk-based capital ratio | 12.7651% | 5,906 |
| Memoranda: | ||
| Average total assets | $33,817,200 | 7,086 |
| Average earning assets | $28,712,200 | 7,136 |
| Average equity | $3,065,400 | 7,259 |
| Average total loans | $22,853,800 | 6,785 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 3,369 |
| Cost of funding earning assets | 1.2942% | 4,252 |
| Net interest margin | 4.0024% | 3,100 |
| Noninterest income to average assets | 1.3770% | 714 |
| Noninterest expense to average assets | 3.6461% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0356% | 2,119 |
| Return on assets (ROA) | 1.0356% | 2,224 |
| Pretax return on assets | 1.1016% | 2,815 |
| Return on Equity (ROE) | 11.6005% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.5179% | 2,637 |
| Net charge-offs to loans | 0.0058% | 6,587 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 284.7068% | 112 |
| Efficiency ratio | 76.7974% | 2,798 |
| Assets per employee ($millions) | 2.3412% | 7,262 |
| Cash dividends to net income (ytd only)* | 52.4341% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,557 |
| Loan loss allowance to noncurrent loans | 802.7778% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 7,084 |
| Noncurrent loans to loans | 0.1723% | 6,839 |
| Net loans and leases to total assets | 62.8520% | 4,358 |
| Net loans and leases to deposits | 70.3490% | 5,097 |
| Net loans and leases to core deposits | 74.1283% | 5,274 |
| Total domestic deposits to total assets | 89.3431% | 1,206 |
| Equity capital to assets | 9.5402% | 4,780 |
| Core capital (leverage) ratio | 9.2667% | 4,254 |
| Tier 1 risk-based capital ratio | 10.9401% | 6,433 |
| Total risk-based capital ratio | 11.9580% | 6,610 |
| Memoranda: | ||
| Average total assets | $34,373,750 | 7,153 |
| Average earning assets | $28,948,500 | 7,214 |
| Average equity | $3,068,750 | 7,349 |
| Average total loans | $23,003,000 | 6,862 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 5,188 |
| Cost of funding earning assets | 1.2584% | 4,774 |
| Net interest margin | 3.6895% | 4,412 |
| Noninterest income to average assets | 1.3293% | 718 |
| Noninterest expense to average assets | 3.4894% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9855% | 2,253 |
| Return on assets (ROA) | 0.9855% | 2,331 |
| Pretax return on assets | 1.0485% | 2,942 |
| Return on Equity (ROE) | 11.2812% | 1,656 |
| Retained earnings to average equity (ytd only) | 5.3782% | 2,686 |
| Net charge-offs to loans | 0.0084% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 189 |
| Efficiency ratio | 76.8939% | 2,915 |
| Assets per employee ($millions) | 2.4274% | 7,195 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,661 |
| Loan loss allowance to noncurrent loans | 802.7778% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 7,124 |
| Noncurrent loans to loans | 0.1441% | 6,969 |
| Net loans and leases to total assets | 72.6783% | 2,232 |
| Net loans and leases to deposits | 80.8504% | 3,459 |
| Net loans and leases to core deposits | 84.9814% | 4,000 |
| Total domestic deposits to total assets | 89.8923% | 977 |
| Equity capital to assets | 9.0984% | 5,296 |
| Core capital (leverage) ratio | 8.6860% | 5,101 |
| Tier 1 risk-based capital ratio | 11.0538% | 6,183 |
| Total risk-based capital ratio | 12.0970% | 6,395 |
| Memoranda: | ||
| Average total assets | $34,906,000 | 7,181 |
| Average earning assets | $30,356,330 | 7,215 |
| Average equity | $3,049,330 | 7,402 |
| Average total loans | $23,707,330 | 6,882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 6,240 |
| Cost of funding earning assets | 1.2370% | 5,189 |
| Net interest margin | 3.4637% | 5,319 |
| Noninterest income to average assets | 1.1875% | 861 |
| Noninterest expense to average assets | 3.3817% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7691% | 3,111 |
| Return on assets (ROA) | 0.7691% | 3,227 |
| Pretax return on assets | 0.8143% | 3,807 |
| Return on Equity (ROE) | 8.9828% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.9828% | 1,407 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5930% | 2,475 |
| Assets per employee ($millions) | 2.4724% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,395 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 6,641 |
| Noncurrent loans to loans | 0.4881% | 6,323 |
| Net loans and leases to total assets | 67.8300% | 3,431 |
| Net loans and leases to deposits | 75.2524% | 4,539 |
| Net loans and leases to core deposits | 79.0133% | 4,892 |
| Total domestic deposits to total assets | 90.1367% | 923 |
| Equity capital to assets | 8.8406% | 5,479 |
| Core capital (leverage) ratio | 8.0998% | 6,075 |
| Tier 1 risk-based capital ratio | 11.3592% | 5,806 |
| Total risk-based capital ratio | 12.4404% | 5,928 |
| Memoranda: | ||
| Average total assets | $35,367,000 | 7,257 |
| Average earning assets | $30,718,500 | 7,291 |
| Average equity | $3,028,000 | 7,485 |
| Average total loans | $23,067,000 | 6,986 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 4,808 |
| Cost of funding earning assets | 1.4452% | 5,739 |
| Net interest margin | 3.9305% | 3,157 |
| Noninterest income to average assets | 1.7702% | 474 |
| Noninterest expense to average assets | 4.5714% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5657% | 3,465 |
| Return on assets (ROA) | 0.5657% | 3,540 |
| Pretax return on assets | 0.6235% | 3,833 |
| Return on Equity (ROE) | 5.9830% | 3,218 |
| Retained earnings to average equity (ytd only) | -0.4503% | 5,080 |
| Net charge-offs to loans | 0.0708% | 6,408 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 12.8125% | 1,472 |
| Efficiency ratio | 87.9977% | 1,881 |
| Assets per employee ($millions) | 2.5801% | 7,070 |
| Cash dividends to net income (ytd only)* | 107.5269% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,789 |
| Loan loss allowance to noncurrent loans | 783.7838% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 7,238 |
| Noncurrent loans to loans | 0.1654% | 7,010 |
| Net loans and leases to total assets | 61.1168% | 5,172 |
| Net loans and leases to deposits | 67.2967% | 5,910 |
| Net loans and leases to core deposits | 80.2093% | 6,073 |
| Total domestic deposits to total assets | 90.8170% | 606 |
| Equity capital to assets | 8.2943% | 6,205 |
| Core capital (leverage) ratio | 8.7194% | 4,892 |
| Tier 1 risk-based capital ratio | 11.3981% | 5,516 |
| Total risk-based capital ratio | 12.5077% | 5,609 |
| Memoranda: | ||
| Average total assets | $32,878,000 | 7,368 |
| Average earning assets | $28,647,400 | 7,408 |
| Average equity | $3,108,800 | 7,561 |
| Average total loans | $22,594,600 | 7,052 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 4,188 |
| Cost of funding earning assets | 1.5371% | 5,682 |
| Net interest margin | 4.0070% | 2,783 |
| Noninterest income to average assets | 1.7837% | 460 |
| Noninterest expense to average assets | 3.9666% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2390% | 1,377 |
| Return on assets (ROA) | 1.2390% | 1,442 |
| Pretax return on assets | 1.3180% | 1,916 |
| Return on Equity (ROE) | 12.6656% | 1,186 |
| Retained earnings to average equity (ytd only) | 9.2655% | 779 |
| Net charge-offs to loans | 0.0471% | 6,253 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 39.6120% | 756 |
| Efficiency ratio | 75.0590% | 3,679 |
| Assets per employee ($millions) | 2.1544% | 7,658 |
| Cash dividends to net income (ytd only)* | 26.8449% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,372 |
| Loan loss allowance to noncurrent loans | 573.0769% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 7,101 |
| Noncurrent loans to loans | 0.2308% | 6,922 |
| Net loans and leases to total assets | 73.7277% | 2,615 |
| Net loans and leases to deposits | 84.3813% | 3,593 |
| Net loans and leases to core deposits | 103.4039% | 4,008 |
| Total domestic deposits to total assets | 87.3744% | 1,963 |
| Equity capital to assets | 10.7523% | 3,243 |
| Core capital (leverage) ratio | 10.0639% | 3,214 |
| Tier 1 risk-based capital ratio | 12.7795% | 4,332 |
| Total risk-based capital ratio | 13.9651% | 4,331 |
| Memoranda: | ||
| Average total assets | $32,067,250 | 7,461 |
| Average earning assets | $28,017,000 | 7,497 |
| Average equity | $3,137,000 | 7,623 |
| Average total loans | $22,651,750 | 7,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 5,378 |
| Cost of funding earning assets | 1.5959% | 5,763 |
| Net interest margin | 3.7587% | 3,719 |
| Noninterest income to average assets | 1.8102% | 444 |
| Noninterest expense to average assets | 3.8896% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1253% | 1,682 |
| Return on assets (ROA) | 1.1253% | 1,762 |
| Pretax return on assets | 1.2048% | 2,290 |
| Return on Equity (ROE) | 11.8646% | 1,459 |
| Retained earnings to average equity (ytd only) | 9.2853% | 865 |
| Net charge-offs to loans | 0.0705% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 24.6250% | 1,150 |
| Efficiency ratio | 76.3505% | 3,629 |
| Assets per employee ($millions) | 2.2839% | 7,575 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,502 |
| Loan loss allowance to noncurrent loans | 458.4615% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 7,004 |
| Noncurrent loans to loans | 0.2759% | 6,832 |
| Net loans and leases to total assets | 72.7435% | 3,016 |
| Net loans and leases to deposits | 81.6937% | 4,273 |
| Net loans and leases to core deposits | 98.6010% | 4,638 |
| Total domestic deposits to total assets | 89.0442% | 1,244 |
| Equity capital to assets | 9.8955% | 4,090 |
| Core capital (leverage) ratio | 9.2248% | 4,269 |
| Tier 1 risk-based capital ratio | 11.9112% | 4,991 |
| Total risk-based capital ratio | 13.0423% | 5,024 |
| Memoranda: | ||
| Average total assets | $32,702,670 | 7,497 |
| Average earning assets | $28,574,000 | 7,544 |
| Average equity | $3,101,670 | 7,698 |
| Average total loans | $22,690,670 | 7,167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 6,593 |
| Cost of funding earning assets | 1.6372% | 5,875 |
| Net interest margin | 3.4825% | 4,797 |
| Noninterest income to average assets | 1.6572% | 500 |
| Noninterest expense to average assets | 3.9193% | 1,284 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7258% | 3,439 |
| Return on assets (ROA) | 0.7258% | 3,634 |
| Pretax return on assets | 0.7742% | 4,176 |
| Return on Equity (ROE) | 7.8163% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.8163% | 1,886 |
| Net charge-offs to loans | 0.0899% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 1,770 |
| Efficiency ratio | 83.5052% | 2,353 |
| Assets per employee ($millions) | 2.4905% | 7,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,226 |
| Loan loss allowance to noncurrent loans | 614.2857% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,157 |
| Noncurrent loans to loans | 0.2078% | 6,935 |
| Net loans and leases to total assets | 66.7709% | 4,390 |
| Net loans and leases to deposits | 74.2119% | 5,455 |
| Net loans and leases to core deposits | 87.1915% | 5,821 |
| Total domestic deposits to total assets | 89.9733% | 815 |
| Equity capital to assets | 8.8881% | 5,501 |
| Core capital (leverage) ratio | 9.0179% | 4,677 |
| Tier 1 risk-based capital ratio | 11.2544% | 5,641 |
| Total risk-based capital ratio | 12.3636% | 5,715 |
| Memoranda: | ||
| Average total assets | $33,067,000 | 7,525 |
| Average earning assets | $28,829,500 | 7,579 |
| Average equity | $3,070,500 | 7,758 |
| Average total loans | $22,257,500 | 7,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5334% | 2,795 |
| Cost of funding earning assets | 2.2331% | 5,446 |
| Net interest margin | 4.3003% | 1,973 |
| Noninterest income to average assets | 1.4088% | 730 |
| Noninterest expense to average assets | 4.2513% | 1,098 |
| Loan and lease loss provision to assets | 0.0498% | 6,791 |
| Net operating income to assets | 0.7526% | 3,656 |
| Return on assets (ROA) | 0.7526% | 3,493 |
| Pretax return on assets | 0.8148% | 4,010 |
| Return on Equity (ROE) | 7.8277% | 3,142 |
| Retained earnings to average equity (ytd only) | -1.5526% | 5,751 |
| Net charge-offs to loans | 0.0423% | 6,186 |
| Credit loss provision to net charge-offs | 177.7778% | 2,844 |
| Earnings coverage of net charge-offs (x) | 30.8889% | 1,144 |
| Efficiency ratio | 83.1003% | 2,169 |
| Assets per employee ($millions) | 2.0845% | 7,838 |
| Cash dividends to net income (ytd only)* | 119.8347% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 2,874 |
| Loan loss allowance to noncurrent loans | 493.5484% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 6,775 |
| Noncurrent loans to loans | 0.2962% | 6,490 |
| Net loans and leases to total assets | 65.9705% | 4,848 |
| Net loans and leases to deposits | 73.9213% | 5,852 |
| Net loans and leases to core deposits | 87.5584% | 6,014 |
| Total domestic deposits to total assets | 89.2443% | 943 |
| Equity capital to assets | 9.7291% | 4,393 |
| Core capital (leverage) ratio | 9.3054% | 4,288 |
| Tier 1 risk-based capital ratio | 12.1751% | 4,687 |
| Total risk-based capital ratio | 13.4198% | 4,580 |
| Memoranda: | ||
| Average total assets | $32,155,200 | 7,553 |
| Average earning assets | $27,719,200 | 7,634 |
| Average equity | $3,091,600 | 7,810 |
| Average total loans | $21,253,800 | 7,244 |