Home > Swedish-American State Bank > Performance and Condition Ratios
Swedish-American 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 | 5.1320% | 1,788 |
| Cost of funding earning assets | 1.8431% | 1,175 |
| Net interest margin | 3.2889% | 2,666 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.2472% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2451% | 1,547 |
| Return on assets (ROA) | 1.2573% | 1,500 |
| Pretax return on assets | 1.3114% | 1,842 |
| Return on Equity (ROE) | 16.3400% | 1,049 |
| Retained earnings to average equity (ytd only) | 8.1723% | 1,487 |
| Net charge-offs to loans | 0.1190% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 18.5455% | 1,930 |
| Efficiency ratio | 63.3752% | 2,686 |
| Assets per employee ($millions) | 8.3639% | 1,243 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,042 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.9200% | 2,758 |
| Net loans and leases to deposits | 97.2169% | 700 |
| Net loans and leases to core deposits | 99.0355% | 1,486 |
| Total domestic deposits to total assets | 62.6700% | 4,418 |
| Equity capital to assets | 8.2976% | 3,201 |
| Core capital (leverage) ratio | 10.0066% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6643% | 1,144 |
| Memoranda: | ||
| Average total assets | $62,834,200 | 4,181 |
| Average earning assets | $59,899,200 | 4,140 |
| Average equity | $4,833,400 | 4,276 |
| Average total loans | $36,978,200 | 4,040 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 2,400 |
| Cost of funding earning assets | 1.3812% | 1,913 |
| Net interest margin | 3.3547% | 2,558 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2238% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2234% | 1,726 |
| Return on assets (ROA) | 1.2338% | 1,689 |
| Pretax return on assets | 1.2855% | 2,085 |
| Return on Equity (ROE) | 16.3900% | 1,187 |
| Retained earnings to average equity (ytd only) | 5.0711% | 2,907 |
| Net charge-offs to loans | 0.2116% | 416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 10.3684% | 2,128 |
| Efficiency ratio | 63.5635% | 2,553 |
| Assets per employee ($millions) | 8.1353% | 1,284 |
| Cash dividends to net income (ytd only)* | 69.0559% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 2,928 |
| Loan loss allowance to noncurrent loans | 67.4121% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 554 |
| Noncurrent loans to loans | 1.6114% | 429 |
| Net loans and leases to total assets | 59.0400% | 2,934 |
| Net loans and leases to deposits | 90.7410% | 1,172 |
| Net loans and leases to core deposits | 93.0954% | 1,723 |
| Total domestic deposits to total assets | 65.0700% | 4,416 |
| Equity capital to assets | 7.0419% | 3,589 |
| Core capital (leverage) ratio | 10.1847% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5950% | 1,180 |
| Memoranda: | ||
| Average total assets | $61,815,000 | 4,209 |
| Average earning assets | $58,980,000 | 4,169 |
| Average equity | $4,653,750 | 4,302 |
| Average total loans | $35,923,000 | 4,072 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 2,678 |
| Cost of funding earning assets | 1.0690% | 2,382 |
| Net interest margin | 3.4174% | 2,478 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2297% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2818% | 1,618 |
| Return on assets (ROA) | 1.2976% | 1,562 |
| Pretax return on assets | 1.3536% | 1,933 |
| Return on Equity (ROE) | 16.8500% | 1,124 |
| Retained earnings to average equity (ytd only) | -0.0428% | 4,105 |
| Net charge-offs to loans | -0.0114% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.5115% | 2,644 |
| Assets per employee ($millions) | 7.6726% | 1,489 |
| Cash dividends to net income (ytd only)* | 100.2538% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,646 |
| Loan loss allowance to noncurrent loans | 76.9968% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 451 |
| Noncurrent loans to loans | 1.7765% | 342 |
| Net loans and leases to total assets | 56.6200% | 3,077 |
| Net loans and leases to deposits | 76.6711% | 2,243 |
| Net loans and leases to core deposits | 78.0660% | 2,606 |
| Total domestic deposits to total assets | 73.8500% | 4,204 |
| Equity capital to assets | 7.7891% | 3,354 |
| Core capital (leverage) ratio | 10.6327% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9366% | 972 |
| Memoranda: | ||
| Average total assets | $60,726,000 | 4,242 |
| Average earning assets | $57,997,333 | 4,203 |
| Average equity | $4,677,333 | 4,327 |
| Average total loans | $34,947,667 | 4,099 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 2,644 |
| Cost of funding earning assets | 1.0055% | 2,030 |
| Net interest margin | 3.3587% | 2,734 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.2252% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2125% | 1,900 |
| Return on assets (ROA) | 1.2252% | 1,839 |
| Pretax return on assets | 1.2782% | 2,231 |
| Return on Equity (ROE) | 16.0000% | 1,355 |
| Retained earnings to average equity (ytd only) | -18.1602% | 4,582 |
| Net charge-offs to loans | -0.0230% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.7571% | 2,489 |
| Assets per employee ($millions) | 7.0728% | 1,922 |
| Cash dividends to net income (ytd only)* | 213.5135% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,263 |
| Loan loss allowance to noncurrent loans | 75.0390% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 329 |
| Noncurrent loans to loans | 1.9973% | 278 |
| Net loans and leases to total assets | 55.8700% | 3,047 |
| Net loans and leases to deposits | 62.6538% | 3,189 |
| Net loans and leases to core deposits | 63.3494% | 3,373 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 8.3949% | 2,971 |
| Core capital (leverage) ratio | 10.3248% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2942% | 808 |
| Memoranda: | ||
| Average total assets | $60,398,500 | 4,307 |
| Average earning assets | $57,284,500 | 4,270 |
| Average equity | $4,625,500 | 4,389 |
| Average total loans | $34,803,000 | 4,156 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 1,871 |
| Cost of funding earning assets | 0.5925% | 932 |
| Net interest margin | 3.3533% | 2,414 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3880% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1851% | 1,833 |
| Return on assets (ROA) | 1.1585% | 1,878 |
| Pretax return on assets | 1.2069% | 2,413 |
| Return on Equity (ROE) | 14.5200% | 1,395 |
| Retained earnings to average equity (ytd only) | 1.4957% | 4,103 |
| Net charge-offs to loans | -0.0304% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.9189% | 2,238 |
| Assets per employee ($millions) | 8.0269% | 1,309 |
| Cash dividends to net income (ytd only)* | 89.7015% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 733 |
| Loan loss allowance to noncurrent loans | 102.0218% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 432 |
| Noncurrent loans to loans | 1.7141% | 362 |
| Net loans and leases to total assets | 57.4000% | 2,882 |
| Net loans and leases to deposits | 79.0380% | 1,842 |
| Net loans and leases to core deposits | 80.4194% | 2,107 |
| Total domestic deposits to total assets | 72.6200% | 4,407 |
| Equity capital to assets | 7.0093% | 3,665 |
| Core capital (leverage) ratio | 10.0731% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9763% | 1,131 |
| Memoranda: | ||
| Average total assets | $57,831,800 | 4,358 |
| Average earning assets | $55,020,200 | 4,323 |
| Average equity | $4,613,200 | 4,470 |
| Average total loans | $32,880,600 | 4,195 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 1,765 |
| Cost of funding earning assets | 0.4775% | 849 |
| Net interest margin | 3.3228% | 2,225 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4183% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0535% | 2,274 |
| Return on assets (ROA) | 1.0171% | 2,387 |
| Pretax return on assets | 1.0574% | 2,853 |
| Return on Equity (ROE) | 12.3200% | 1,932 |
| Retained earnings to average equity (ytd only) | -4.9411% | 4,600 |
| Net charge-offs to loans | -0.0378% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.8259% | 1,909 |
| Assets per employee ($millions) | 7.2946% | 1,755 |
| Cash dividends to net income (ytd only)* | 140.0932% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 573 |
| Loan loss allowance to noncurrent loans | 101.7107% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 398 |
| Noncurrent loans to loans | 1.8936% | 323 |
| Net loans and leases to total assets | 57.0700% | 2,790 |
| Net loans and leases to deposits | 74.6470% | 1,987 |
| Net loans and leases to core deposits | 75.0676% | 2,274 |
| Total domestic deposits to total assets | 76.4500% | 4,347 |
| Equity capital to assets | 6.4568% | 3,766 |
| Core capital (leverage) ratio | 10.1170% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8493% | 1,019 |
| Memoranda: | ||
| Average total assets | $56,236,000 | 4,408 |
| Average earning assets | $53,888,250 | 4,369 |
| Average equity | $4,641,250 | 4,512 |
| Average total loans | $31,722,500 | 4,240 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 1,497 |
| Cost of funding earning assets | 0.4444% | 709 |
| Net interest margin | 3.2726% | 1,985 |
| Noninterest income to average assets | 0.3350% | 3,150 |
| Noninterest expense to average assets | 2.5212% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9129% | 2,529 |
| Return on assets (ROA) | 0.8500% | 2,754 |
| Pretax return on assets | 0.8788% | 3,123 |
| Return on Equity (ROE) | 9.5695% | 2,501 |
| Retained earnings to average equity (ytd only) | -14.8003% | 4,702 |
| Net charge-offs to loans | -0.0517% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7651% | 1,659 |
| Assets per employee ($millions) | 6.3656% | 2,422 |
| Cash dividends to net income (ytd only)* | 254.6610% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 441 |
| Loan loss allowance to noncurrent loans | 101.5552% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 392 |
| Noncurrent loans to loans | 2.0808% | 309 |
| Net loans and leases to total assets | 52.7998% | 3,082 |
| Net loans and leases to deposits | 61.2316% | 2,954 |
| Net loans and leases to core deposits | 61.5430% | 3,152 |
| Total domestic deposits to total assets | 86.2297% | 3,186 |
| Equity capital to assets | 7.3206% | 3,590 |
| Core capital (leverage) ratio | 9.9702% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4217% | 930 |
| Memoranda: | ||
| Average total assets | $55,529,000 | 4,461 |
| Average earning assets | $53,107,000 | 4,431 |
| Average equity | $4,932,333 | 4,526 |
| Average total loans | $30,977,667 | 4,295 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 1,210 |
| Cost of funding earning assets | 0.4514% | 651 |
| Net interest margin | 3.2821% | 1,615 |
| Noninterest income to average assets | 0.3440% | 3,035 |
| Noninterest expense to average assets | 2.5106% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9478% | 2,082 |
| Return on assets (ROA) | 0.8271% | 2,563 |
| Pretax return on assets | 0.8491% | 2,947 |
| Return on Equity (ROE) | 8.5259% | 2,501 |
| Retained earnings to average equity (ytd only) | -36.8198% | 4,762 |
| Net charge-offs to loans | -0.0387% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0588% | 1,966 |
| Assets per employee ($millions) | 6.3521% | 2,500 |
| Cash dividends to net income (ytd only)* | 531.8584% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.0236% | 3,172 |
| Net loans and leases to deposits | 54.3471% | 3,393 |
| Net loans and leases to core deposits | 54.3471% | 3,570 |
| Total domestic deposits to total assets | 92.0446% | 560 |
| Equity capital to assets | 7.8836% | 3,662 |
| Core capital (leverage) ratio | 9.5845% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2625% | 865 |
| Memoranda: | ||
| Average total assets | $54,648,500 | 4,490 |
| Average earning assets | $52,283,500 | 4,459 |
| Average equity | $5,301,500 | 4,538 |
| Average total loans | $31,015,500 | 4,311 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 188 |
| Cost of funding earning assets | 0.5173% | 864 |
| Net interest margin | 4.7046% | 206 |
| Noninterest income to average assets | 0.4490% | 2,823 |
| Noninterest expense to average assets | 2.8855% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9653% | 358 |
| Return on assets (ROA) | 1.7720% | 567 |
| Pretax return on assets | 1.8485% | 818 |
| Return on Equity (ROE) | 14.9446% | 961 |
| Retained earnings to average equity (ytd only) | 7.7271% | 1,649 |
| Net charge-offs to loans | -0.0346% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4659% | 3,370 |
| Assets per employee ($millions) | 5.7920% | 2,964 |
| Cash dividends to net income (ytd only)* | 48.2955% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.6559% | 1,978 |
| Net loans and leases to deposits | 69.8817% | 2,144 |
| Net loans and leases to core deposits | 69.8817% | 2,458 |
| Total domestic deposits to total assets | 88.2290% | 1,921 |
| Equity capital to assets | 11.6943% | 1,396 |
| Core capital (leverage) ratio | 11.8932% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2875% | 854 |
| Memoranda: | ||
| Average total assets | $49,662,600 | 4,564 |
| Average earning assets | $47,358,400 | 4,539 |
| Average equity | $5,888,400 | 4,540 |
| Average total loans | $31,803,200 | 4,345 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 143 |
| Cost of funding earning assets | 0.5352% | 892 |
| Net interest margin | 4.9961% | 160 |
| Noninterest income to average assets | 0.3126% | 3,556 |
| Noninterest expense to average assets | 2.7511% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2355% | 301 |
| Return on assets (ROA) | 2.2590% | 304 |
| Pretax return on assets | 2.3569% | 421 |
| Return on Equity (ROE) | 18.9835% | 519 |
| Retained earnings to average equity (ytd only) | 9.2747% | 1,586 |
| Net charge-offs to loans | -0.0380% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1176% | 3,793 |
| Assets per employee ($millions) | 5.7113% | 2,976 |
| Cash dividends to net income (ytd only)* | 51.1432% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0829% | 555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.8071% | 2,395 |
| Net loans and leases to deposits | 66.6917% | 2,570 |
| Net loans and leases to core deposits | 66.6917% | 2,891 |
| Total domestic deposits to total assets | 88.1775% | 1,730 |
| Equity capital to assets | 11.7408% | 1,520 |
| Core capital (leverage) ratio | 11.7228% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6760% | 726 |
| Memoranda: | ||
| Average total assets | $49,046,250 | 4,634 |
| Average earning assets | $46,835,500 | 4,604 |
| Average equity | $5,836,500 | 4,613 |
| Average total loans | $31,557,750 | 4,411 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 193 |
| Cost of funding earning assets | 0.5505% | 936 |
| Net interest margin | 4.8635% | 206 |
| Noninterest income to average assets | 0.3647% | 3,277 |
| Noninterest expense to average assets | 2.7061% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2176% | 328 |
| Return on assets (ROA) | 2.2295% | 341 |
| Pretax return on assets | 2.3207% | 465 |
| Return on Equity (ROE) | 18.6471% | 579 |
| Retained earnings to average equity (ytd only) | 3.9166% | 3,545 |
| Net charge-offs to loans | -0.0503% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9669% | 3,812 |
| Assets per employee ($millions) | 5.4676% | 3,168 |
| Cash dividends to net income (ytd only)* | 78.9963% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,665 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.1505% | 2,161 |
| Net loans and leases to deposits | 70.4937% | 2,362 |
| Net loans and leases to core deposits | 70.4937% | 2,733 |
| Total domestic deposits to total assets | 88.1645% | 1,745 |
| Equity capital to assets | 11.7603% | 1,484 |
| Core capital (leverage) ratio | 11.2787% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3645% | 774 |
| Memoranda: | ||
| Average total assets | $48,261,000 | 4,672 |
| Average earning assets | $46,139,667 | 4,638 |
| Average equity | $5,770,333 | 4,645 |
| Average total loans | $31,786,667 | 4,437 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 951 |
| Cost of funding earning assets | 0.5605% | 1,046 |
| Net interest margin | 3.8007% | 1,137 |
| Noninterest income to average assets | 0.3850% | 3,177 |
| Noninterest expense to average assets | 2.7371% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2413% | 2,003 |
| Return on assets (ROA) | 1.3225% | 1,839 |
| Pretax return on assets | 1.3644% | 2,382 |
| Return on Equity (ROE) | 10.9684% | 2,377 |
| Retained earnings to average equity (ytd only) | 5.7619% | 2,982 |
| Net charge-offs to loans | -0.0249% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1250% | 1,918 |
| Assets per employee ($millions) | 5.7287% | 2,877 |
| Cash dividends to net income (ytd only)* | 47.4684% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 561 |
| Loan loss allowance to noncurrent loans | 3,975.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 3,629 |
| Noncurrent loans to loans | 0.0511% | 4,035 |
| Net loans and leases to total assets | 59.5155% | 2,599 |
| Net loans and leases to deposits | 67.0930% | 2,801 |
| Net loans and leases to core deposits | 67.0930% | 3,151 |
| Total domestic deposits to total assets | 88.7059% | 1,499 |
| Equity capital to assets | 11.1952% | 1,726 |
| Core capital (leverage) ratio | 11.6744% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2725% | 646 |
| Memoranda: | ||
| Average total assets | $47,787,500 | 4,699 |
| Average earning assets | $45,676,000 | 4,664 |
| Average equity | $5,762,000 | 4,665 |
| Average total loans | $32,067,500 | 4,448 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 343 |
| Cost of funding earning assets | 0.6388% | 2,068 |
| Net interest margin | 4.5437% | 301 |
| Noninterest income to average assets | 0.5885% | 2,264 |
| Noninterest expense to average assets | 3.0830% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.7738% | 413 |
| Return on assets (ROA) | 1.7538% | 470 |
| Pretax return on assets | 1.8346% | 632 |
| Return on Equity (ROE) | 13.9665% | 821 |
| Retained earnings to average equity (ytd only) | 7.4978% | 1,197 |
| Net charge-offs to loans | -0.0244% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4299% | 3,052 |
| Assets per employee ($millions) | 4.8908% | 3,515 |
| Cash dividends to net income (ytd only)* | 46.3158% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 674 |
| Loan loss allowance to noncurrent loans | 3,962.5000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 3,649 |
| Noncurrent loans to loans | 0.0488% | 4,100 |
| Net loans and leases to total assets | 73.1081% | 1,145 |
| Net loans and leases to deposits | 84.3424% | 1,418 |
| Net loans and leases to core deposits | 84.3424% | 2,007 |
| Total domestic deposits to total assets | 86.6801% | 2,083 |
| Equity capital to assets | 13.0677% | 1,061 |
| Core capital (leverage) ratio | 12.6839% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9496% | 908 |
| Memoranda: | ||
| Average total assets | $43,333,800 | 4,728 |
| Average earning assets | $41,486,400 | 4,699 |
| Average equity | $5,441,600 | 4,700 |
| Average total loans | $32,772,600 | 4,464 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 514 |
| Cost of funding earning assets | 0.6449% | 2,354 |
| Net interest margin | 4.4430% | 436 |
| Noninterest income to average assets | 0.4911% | 2,646 |
| Noninterest expense to average assets | 2.9871% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6835% | 595 |
| Return on assets (ROA) | 1.6835% | 660 |
| Pretax return on assets | 1.7607% | 846 |
| Return on Equity (ROE) | 13.5468% | 964 |
| Retained earnings to average equity (ytd only) | 4.7973% | 2,654 |
| Net charge-offs to loans | -0.0041% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9148% | 2,928 |
| Assets per employee ($millions) | 4.8537% | 3,426 |
| Cash dividends to net income (ytd only)* | 64.5872% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 668 |
| Loan loss allowance to noncurrent loans | 3,694.1176% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 3,773 |
| Noncurrent loans to loans | 0.0498% | 4,176 |
| Net loans and leases to total assets | 76.7644% | 991 |
| Net loans and leases to deposits | 92.5917% | 1,025 |
| Net loans and leases to core deposits | 92.5917% | 1,748 |
| Total domestic deposits to total assets | 82.9064% | 3,166 |
| Equity capital to assets | 12.6869% | 1,338 |
| Core capital (leverage) ratio | 12.2593% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1536% | 892 |
| Memoranda: | ||
| Average total assets | $43,163,000 | 4,752 |
| Average earning assets | $41,352,000 | 4,721 |
| Average equity | $5,364,000 | 4,731 |
| Average total loans | $32,762,250 | 4,492 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 783 |
| Cost of funding earning assets | 0.6608% | 2,622 |
| Net interest margin | 4.3731% | 654 |
| Noninterest income to average assets | 0.5118% | 2,519 |
| Noninterest expense to average assets | 2.9961% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6283% | 718 |
| Return on assets (ROA) | 1.6283% | 787 |
| Pretax return on assets | 1.7027% | 998 |
| Return on Equity (ROE) | 13.1959% | 1,057 |
| Retained earnings to average equity (ytd only) | -0.0754% | 4,315 |
| Net charge-offs to loans | -0.0248% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7624% | 2,854 |
| Assets per employee ($millions) | 5.1972% | 2,933 |
| Cash dividends to net income (ytd only)* | 100.5714% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 608 |
| Loan loss allowance to noncurrent loans | 443.6620% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 2,736 |
| Noncurrent loans to loans | 0.4134% | 2,930 |
| Net loans and leases to total assets | 72.0855% | 1,691 |
| Net loans and leases to deposits | 85.3750% | 1,839 |
| Net loans and leases to core deposits | 85.3750% | 2,492 |
| Total domestic deposits to total assets | 84.4340% | 2,586 |
| Equity capital to assets | 11.4420% | 2,011 |
| Core capital (leverage) ratio | 11.7006% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3391% | 1,172 |
| Memoranda: | ||
| Average total assets | $42,989,667 | 4,774 |
| Average earning assets | $41,160,667 | 4,747 |
| Average equity | $5,304,667 | 4,765 |
| Average total loans | $32,296,000 | 4,519 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 589 |
| Cost of funding earning assets | 0.7321% | 2,773 |
| Net interest margin | 4.5348% | 465 |
| Noninterest income to average assets | 0.5548% | 2,257 |
| Noninterest expense to average assets | 3.0951% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7617% | 442 |
| Return on assets (ROA) | 1.7617% | 490 |
| Pretax return on assets | 1.8006% | 699 |
| Return on Equity (ROE) | 13.7095% | 757 |
| Retained earnings to average equity (ytd only) | -7.4986% | 4,667 |
| Net charge-offs to loans | -0.0768% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2207% | 3,339 |
| Assets per employee ($millions) | 4.6550% | 3,060 |
| Cash dividends to net income (ytd only)* | 154.6961% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0805% | 446 |
| Loan loss allowance to noncurrent loans | 263.3333% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 1,994 |
| Noncurrent loans to loans | 0.7900% | 2,036 |
| Net loans and leases to total assets | 71.0013% | 2,091 |
| Net loans and leases to deposits | 81.3666% | 2,539 |
| Net loans and leases to core deposits | 81.3666% | 3,080 |
| Total domestic deposits to total assets | 87.2610% | 1,442 |
| Equity capital to assets | 12.3810% | 1,805 |
| Core capital (leverage) ratio | 12.5437% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6906% | 1,422 |
| Memoranda: | ||
| Average total assets | $41,097,000 | 4,833 |
| Average earning assets | $39,340,500 | 4,796 |
| Average equity | $5,281,000 | 4,807 |
| Average total loans | $31,270,000 | 4,571 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 788 |
| Cost of funding earning assets | 0.7302% | 3,015 |
| Net interest margin | 4.5911% | 587 |
| Noninterest income to average assets | 0.7107% | 1,775 |
| Noninterest expense to average assets | 3.3262% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7266% | 621 |
| Return on assets (ROA) | 1.7266% | 662 |
| Pretax return on assets | 1.7608% | 1,045 |
| Return on Equity (ROE) | 14.2598% | 849 |
| Retained earnings to average equity (ytd only) | 12.4445% | 206 |
| Net charge-offs to loans | 0.3362% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.6759% | 2,951 |
| Efficiency ratio | 65.3865% | 2,860 |
| Assets per employee ($millions) | 4.4777% | 3,258 |
| Cash dividends to net income (ytd only)* | 12.7298% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9464% | 503 |
| Loan loss allowance to noncurrent loans | 69.0187% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3499% | 292 |
| Noncurrent loans to loans | 2.8201% | 352 |
| Net loans and leases to total assets | 78.2550% | 1,040 |
| Net loans and leases to deposits | 96.1551% | 925 |
| Net loans and leases to core deposits | 96.1551% | 1,887 |
| Total domestic deposits to total assets | 81.3842% | 3,680 |
| Equity capital to assets | 13.3378% | 1,346 |
| Core capital (leverage) ratio | 13.2219% | 1,145 |
| Tier 1 risk-based capital ratio | 16.1505% | 2,352 |
| Total risk-based capital ratio | 17.4076% | 2,298 |
| Memoranda: | ||
| Average total assets | $40,947,800 | 4,876 |
| Average earning assets | $39,032,000 | 4,854 |
| Average equity | $4,958,000 | 4,886 |
| Average total loans | $32,122,000 | 4,598 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 1,152 |
| Cost of funding earning assets | 0.6970% | 3,237 |
| Net interest margin | 4.4539% | 849 |
| Noninterest income to average assets | 0.5611% | 2,405 |
| Noninterest expense to average assets | 3.2822% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5114% | 1,163 |
| Return on assets (ROA) | 1.5114% | 1,217 |
| Pretax return on assets | 1.5276% | 1,882 |
| Return on Equity (ROE) | 12.8008% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.2900% | 473 |
| Net charge-offs to loans | 0.4027% | 416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.8556% | 2,970 |
| Efficiency ratio | 68.2401% | 2,374 |
| Assets per employee ($millions) | 4.6108% | 3,036 |
| Cash dividends to net income (ytd only)* | 11.8023% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 521 |
| Loan loss allowance to noncurrent loans | 70.9354% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5424% | 264 |
| Noncurrent loans to loans | 2.7375% | 390 |
| Net loans and leases to total assets | 77.5164% | 1,225 |
| Net loans and leases to deposits | 99.3852% | 689 |
| Net loans and leases to core deposits | 99.3852% | 1,709 |
| Total domestic deposits to total assets | 77.9960% | 4,347 |
| Equity capital to assets | 12.4105% | 1,976 |
| Core capital (leverage) ratio | 12.1727% | 1,745 |
| Tier 1 risk-based capital ratio | 14.9999% | 2,845 |
| Total risk-based capital ratio | 16.2562% | 2,775 |
| Memoranda: | ||
| Average total assets | $41,110,000 | 4,949 |
| Average earning assets | $39,215,750 | 4,923 |
| Average equity | $4,853,750 | 4,967 |
| Average total loans | $32,112,000 | 4,664 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 1,299 |
| Cost of funding earning assets | 0.6486% | 3,420 |
| Net interest margin | 4.4230% | 901 |
| Noninterest income to average assets | 0.5564% | 2,358 |
| Noninterest expense to average assets | 3.1966% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2103% | 2,112 |
| Return on assets (ROA) | 1.2103% | 2,175 |
| Pretax return on assets | 1.5861% | 1,584 |
| Return on Equity (ROE) | 10.4311% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.7487% | 1,111 |
| Net charge-offs to loans | -0.1882% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8367% | 2,704 |
| Assets per employee ($millions) | 4.5991% | 3,003 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 281 |
| Loan loss allowance to noncurrent loans | 98.4536% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 2.2613% | 359 |
| Noncurrent loans to loans | 2.3724% | 532 |
| Net loans and leases to total assets | 77.1767% | 1,358 |
| Net loans and leases to deposits | 94.6603% | 1,186 |
| Net loans and leases to core deposits | 94.6603% | 2,187 |
| Total domestic deposits to total assets | 81.5302% | 3,655 |
| Equity capital to assets | 11.9153% | 2,259 |
| Core capital (leverage) ratio | 12.1007% | 1,759 |
| Tier 1 risk-based capital ratio | 14.4553% | 3,087 |
| Total risk-based capital ratio | 15.7164% | 3,002 |
| Memoranda: | ||
| Average total assets | $40,981,000 | 4,990 |
| Average earning assets | $39,159,330 | 4,966 |
| Average equity | $4,755,000 | 5,009 |
| Average total loans | $31,881,330 | 4,704 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 1,529 |
| Cost of funding earning assets | 0.6567% | 3,281 |
| Net interest margin | 4.2689% | 1,153 |
| Noninterest income to average assets | 0.5395% | 2,342 |
| Noninterest expense to average assets | 3.1784% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2262% | 1,962 |
| Return on assets (ROA) | 1.2262% | 2,009 |
| Pretax return on assets | 1.4420% | 1,957 |
| Return on Equity (ROE) | 10.7147% | 2,078 |
| Retained earnings to average equity (ytd only) | 7.2860% | 1,936 |
| Net charge-offs to loans | -0.1271% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7898% | 2,526 |
| Assets per employee ($millions) | 4.3922% | 3,345 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 240 |
| Loan loss allowance to noncurrent loans | 211.3636% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 1,010 |
| Noncurrent loans to loans | 1.1899% | 1,390 |
| Net loans and leases to total assets | 72.9547% | 1,995 |
| Net loans and leases to deposits | 82.9947% | 2,501 |
| Net loans and leases to core deposits | 82.9947% | 3,112 |
| Total domestic deposits to total assets | 87.9029% | 1,388 |
| Equity capital to assets | 11.9960% | 2,022 |
| Core capital (leverage) ratio | 11.9388% | 1,811 |
| Tier 1 risk-based capital ratio | 15.2593% | 2,769 |
| Total risk-based capital ratio | 16.5224% | 2,671 |
| Memoranda: | ||
| Average total assets | $40,775,500 | 5,048 |
| Average earning assets | $38,980,000 | 5,017 |
| Average equity | $4,666,500 | 5,063 |
| Average total loans | $31,467,500 | 4,762 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,924 |
| Cost of funding earning assets | 0.6373% | 2,482 |
| Net interest margin | 4.0349% | 1,869 |
| Noninterest income to average assets | 0.5342% | 2,638 |
| Noninterest expense to average assets | 3.0008% | 2,040 |
| Loan and lease loss provision to assets | 0.3160% | 508 |
| Net operating income to assets | 1.8186% | 529 |
| Return on assets (ROA) | 1.5663% | 948 |
| Pretax return on assets | 0.8366% | 4,076 |
| Return on Equity (ROE) | 16.3549% | 559 |
| Retained earnings to average equity (ytd only) | 16.3549% | 79 |
| Net charge-offs to loans | 0.6201% | 275 |
| Credit loss provision to net charge-offs | 67.8049% | 3,020 |
| Earnings coverage of net charge-offs (x) | 3.0146% | 3,461 |
| Efficiency ratio | 68.1115% | 2,524 |
| Assets per employee ($millions) | 4.6690% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2008% | 329 |
| Loan loss allowance to noncurrent loans | 197.8437% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 1,397 |
| Noncurrent loans to loans | 1.1124% | 1,456 |
| Net loans and leases to total assets | 77.6231% | 1,337 |
| Net loans and leases to deposits | 92.5281% | 1,467 |
| Net loans and leases to core deposits | 92.5281% | 2,363 |
| Total domestic deposits to total assets | 83.8914% | 3,034 |
| Equity capital to assets | 10.9255% | 2,763 |
| Core capital (leverage) ratio | 11.2767% | 2,285 |
| Tier 1 risk-based capital ratio | 16.2264% | 2,331 |
| Total risk-based capital ratio | 17.4933% | 2,271 |
| Memoranda: | ||
| Average total assets | $43,988,800 | 5,051 |
| Average earning assets | $42,206,800 | 5,010 |
| Average equity | $4,212,800 | 5,150 |
| Average total loans | $33,058,200 | 4,744 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 2,122 |
| Cost of funding earning assets | 0.5888% | 2,554 |
| Net interest margin | 3.9630% | 2,081 |
| Noninterest income to average assets | 0.4766% | 3,003 |
| Noninterest expense to average assets | 2.9345% | 2,215 |
| Loan and lease loss provision to assets | 0.4167% | 308 |
| Net operating income to assets | 1.8614% | 537 |
| Return on assets (ROA) | 1.7865% | 617 |
| Pretax return on assets | 0.8633% | 4,134 |
| Return on Equity (ROE) | 19.2958% | 316 |
| Retained earnings to average equity (ytd only) | 19.2958% | 64 |
| Net charge-offs to loans | 0.8731% | 163 |
| Credit loss provision to net charge-offs | 64.3519% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.0926% | 3,282 |
| Efficiency ratio | 68.4137% | 2,460 |
| Assets per employee ($millions) | 4.6502% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2841% | 314 |
| Loan loss allowance to noncurrent loans | 2,008.3333% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,691 |
| Noncurrent loans to loans | 0.1137% | 4,383 |
| Net loans and leases to total assets | 73.9057% | 2,000 |
| Net loans and leases to deposits | 90.5448% | 1,820 |
| Net loans and leases to core deposits | 90.5448% | 2,612 |
| Total domestic deposits to total assets | 81.6233% | 3,704 |
| Equity capital to assets | 10.4893% | 3,157 |
| Core capital (leverage) ratio | 10.8552% | 2,725 |
| Tier 1 risk-based capital ratio | 17.1168% | 2,057 |
| Total risk-based capital ratio | 18.3832% | 1,994 |
| Memoranda: | ||
| Average total assets | $44,480,750 | 5,102 |
| Average earning assets | $42,794,750 | 5,054 |
| Average equity | $4,118,250 | 5,229 |
| Average total loans | $32,984,750 | 4,795 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,400 |
| Cost of funding earning assets | 0.5631% | 2,491 |
| Net interest margin | 3.8410% | 2,416 |
| Noninterest income to average assets | 0.4895% | 2,919 |
| Noninterest expense to average assets | 2.8221% | 2,593 |
| Loan and lease loss provision to assets | 0.6129% | 166 |
| Net operating income to assets | 2.2224% | 244 |
| Return on assets (ROA) | 2.2003% | 248 |
| Pretax return on assets | 0.7320% | 4,430 |
| Return on Equity (ROE) | 24.7786% | 93 |
| Retained earnings to average equity (ytd only) | 24.7786% | 27 |
| Net charge-offs to loans | 0.9932% | 133 |
| Credit loss provision to net charge-offs | 83.7349% | 2,224 |
| Earnings coverage of net charge-offs (x) | 1.8675% | 3,021 |
| Efficiency ratio | 67.3684% | 2,749 |
| Assets per employee ($millions) | 4.8137% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 271 |
| Loan loss allowance to noncurrent loans | 822.3404% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,070 |
| Noncurrent loans to loans | 0.2933% | 3,648 |
| Net loans and leases to total assets | 72.1972% | 2,245 |
| Net loans and leases to deposits | 83.7340% | 2,565 |
| Net loans and leases to core deposits | 83.7340% | 3,103 |
| Total domestic deposits to total assets | 86.2221% | 2,181 |
| Equity capital to assets | 9.9231% | 3,700 |
| Core capital (leverage) ratio | 10.2166% | 3,346 |
| Tier 1 risk-based capital ratio | 15.8101% | 2,507 |
| Total risk-based capital ratio | 17.0756% | 2,445 |
| Memoranda: | ||
| Average total assets | $45,357,000 | 5,144 |
| Average earning assets | $43,686,670 | 5,097 |
| Average equity | $4,027,670 | 5,297 |
| Average total loans | $33,428,330 | 4,824 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,397 |
| Cost of funding earning assets | 0.5709% | 2,250 |
| Net interest margin | 3.7644% | 2,566 |
| Noninterest income to average assets | 0.3623% | 3,721 |
| Noninterest expense to average assets | 2.9672% | 2,154 |
| Loan and lease loss provision to assets | 1.1989% | 67 |
| Net operating income to assets | 1.0260% | 2,747 |
| Return on assets (ROA) | 0.9919% | 2,904 |
| Pretax return on assets | -0.2070% | 5,441 |
| Return on Equity (ROE) | 11.8191% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.8191% | 714 |
| Net charge-offs to loans | 1.7938% | 73 |
| Credit loss provision to net charge-offs | 90.8497% | 1,669 |
| Earnings coverage of net charge-offs (x) | 0.7843% | 2,615 |
| Efficiency ratio | 74.1379% | 1,883 |
| Assets per employee ($millions) | 5.0113% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 269 |
| Loan loss allowance to noncurrent loans | 671.7949% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 3,172 |
| Noncurrent loans to loans | 0.3635% | 3,468 |
| Net loans and leases to total assets | 69.6178% | 2,541 |
| Net loans and leases to deposits | 76.2945% | 3,178 |
| Net loans and leases to core deposits | 76.2945% | 3,650 |
| Total domestic deposits to total assets | 91.2487% | 239 |
| Equity capital to assets | 8.6648% | 4,845 |
| Core capital (leverage) ratio | 8.9877% | 4,689 |
| Tier 1 risk-based capital ratio | 14.2381% | 3,258 |
| Total risk-based capital ratio | 15.5053% | 3,170 |
| Memoranda: | ||
| Average total assets | $46,374,000 | 5,177 |
| Average earning assets | $44,841,500 | 5,132 |
| Average equity | $3,892,000 | 5,373 |
| Average total loans | $34,117,000 | 4,862 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,688 |
| Cost of funding earning assets | 0.5962% | 1,620 |
| Net interest margin | 3.9106% | 2,053 |
| Noninterest income to average assets | 0.1584% | 5,168 |
| Noninterest expense to average assets | 2.6063% | 3,423 |
| Loan and lease loss provision to assets | 2.7006% | 23 |
| Net operating income to assets | -1.3090% | 5,618 |
| Return on assets (ROA) | -1.3579% | 5,619 |
| Pretax return on assets | -1.4144% | 5,628 |
| Return on Equity (ROE) | -17.2084% | 5,632 |
| Retained earnings to average equity (ytd only) | -19.0010% | 5,614 |
| Net charge-offs to loans | 3.4964% | 33 |
| Credit loss provision to net charge-offs | 104.2213% | 2,462 |
| Earnings coverage of net charge-offs (x) | 0.5160% | 3,989 |
| Efficiency ratio | 66.0928% | 3,249 |
| Assets per employee ($millions) | 5.2940% | 2,157 |
| Cash dividends to net income (ytd only)* | -10.4167% | 5,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2192% | 356 |
| Loan loss allowance to noncurrent loans | 601.5038% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,196 |
| Noncurrent loans to loans | 0.3689% | 3,436 |
| Net loans and leases to total assets | 73.9810% | 1,928 |
| Net loans and leases to deposits | 87.3603% | 2,091 |
| Net loans and leases to core deposits | 87.3603% | 2,781 |
| Total domestic deposits to total assets | 84.6850% | 2,954 |
| Equity capital to assets | 8.1350% | 5,337 |
| Core capital (leverage) ratio | 8.2076% | 5,346 |
| Tier 1 risk-based capital ratio | 12.4633% | 4,229 |
| Total risk-based capital ratio | 13.7296% | 4,117 |
| Memoranda: | ||
| Average total assets | $53,024,600 | 5,100 |
| Average earning assets | $51,322,400 | 5,040 |
| Average equity | $4,184,000 | 5,396 |
| Average total loans | $39,297,400 | 4,746 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 1,697 |
| Cost of funding earning assets | 0.5902% | 1,600 |
| Net interest margin | 3.8911% | 2,070 |
| Noninterest income to average assets | 0.1619% | 5,209 |
| Noninterest expense to average assets | 2.4033% | 4,010 |
| Loan and lease loss provision to assets | 3.5117% | 21 |
| Net operating income to assets | -1.9007% | 5,709 |
| Return on assets (ROA) | -1.9643% | 5,711 |
| Pretax return on assets | -2.0526% | 5,713 |
| Return on Equity (ROE) | -25.0638% | 5,716 |
| Retained earnings to average equity (ytd only) | -27.4107% | 5,701 |
| Net charge-offs to loans | 4.6172% | 19 |
| Credit loss provision to net charge-offs | 103.0958% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.4478% | 3,664 |
| Efficiency ratio | 61.1735% | 4,016 |
| Assets per employee ($millions) | 5.4976% | 1,926 |
| Cash dividends to net income (ytd only)* | -9.3636% | 5,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0974% | 484 |
| Loan loss allowance to noncurrent loans | 506.4516% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 3,250 |
| Noncurrent loans to loans | 0.4141% | 3,462 |
| Net loans and leases to total assets | 74.0592% | 1,903 |
| Net loans and leases to deposits | 90.2115% | 1,785 |
| Net loans and leases to core deposits | 97.0958% | 1,969 |
| Total domestic deposits to total assets | 82.0951% | 3,746 |
| Equity capital to assets | 7.8398% | 5,557 |
| Core capital (leverage) ratio | 7.4586% | 5,624 |
| Tier 1 risk-based capital ratio | 11.7248% | 4,817 |
| Total risk-based capital ratio | 12.9892% | 4,685 |
| Memoranda: | ||
| Average total assets | $54,369,250 | 5,127 |
| Average earning assets | $52,632,000 | 5,075 |
| Average equity | $4,261,000 | 5,445 |
| Average total loans | $40,109,500 | 4,776 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 2,039 |
| Cost of funding earning assets | 0.5863% | 1,536 |
| Net interest margin | 3.7427% | 2,505 |
| Noninterest income to average assets | 0.1500% | 5,312 |
| Noninterest expense to average assets | 2.5000% | 3,754 |
| Loan and lease loss provision to assets | 1.9464% | 44 |
| Net operating income to assets | -0.8036% | 5,704 |
| Return on assets (ROA) | -0.8036% | 5,702 |
| Pretax return on assets | -0.6714% | 5,693 |
| Return on Equity (ROE) | -10.2545% | 5,719 |
| Retained earnings to average equity (ytd only) | -13.6726% | 5,693 |
| Net charge-offs to loans | 3.6290% | 32 |
| Credit loss provision to net charge-offs | 73.2527% | 2,344 |
| Earnings coverage of net charge-offs (x) | 0.4798% | 3,372 |
| Efficiency ratio | 66.2252% | 3,315 |
| Assets per employee ($millions) | 5.2593% | 2,100 |
| Cash dividends to net income (ytd only)* | -33.3333% | 5,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,976 |
| Loan loss allowance to noncurrent loans | 312.0690% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 3,283 |
| Noncurrent loans to loans | 0.4465% | 3,414 |
| Net loans and leases to total assets | 73.0649% | 2,029 |
| Net loans and leases to deposits | 80.6578% | 2,842 |
| Net loans and leases to core deposits | 91.1392% | 2,409 |
| Total domestic deposits to total assets | 90.5862% | 327 |
| Equity capital to assets | 8.4802% | 5,318 |
| Core capital (leverage) ratio | 8.1054% | 5,484 |
| Tier 1 risk-based capital ratio | 11.9715% | 4,652 |
| Total risk-based capital ratio | 13.2251% | 4,537 |
| Memoranda: | ||
| Average total assets | $55,999,670 | 5,135 |
| Average earning assets | $54,239,330 | 5,082 |
| Average equity | $4,388,330 | 5,458 |
| Average total loans | $41,003,330 | 4,775 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 1,780 |
| Cost of funding earning assets | 0.5862% | 1,468 |
| Net interest margin | 3.7743% | 2,203 |
| Noninterest income to average assets | 0.1594% | 5,322 |
| Noninterest expense to average assets | 2.3985% | 4,113 |
| Loan and lease loss provision to assets | 0.3119% | 413 |
| Net operating income to assets | 0.7209% | 3,610 |
| Return on assets (ROA) | 0.7209% | 3,658 |
| Pretax return on assets | 1.1091% | 2,942 |
| Return on Equity (ROE) | 9.5577% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.6651% | 4,075 |
| Net charge-offs to loans | -0.0476% | 5,162 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7949% | 4,021 |
| Assets per employee ($millions) | 5.7616% | 1,677 |
| Cash dividends to net income (ytd only)* | 72.1154% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9604% | 722 |
| Loan loss allowance to noncurrent loans | 223.7288% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 2,797 |
| Noncurrent loans to loans | 0.8762% | 2,281 |
| Net loans and leases to total assets | 68.7448% | 2,566 |
| Net loans and leases to deposits | 77.8566% | 2,991 |
| Net loans and leases to core deposits | 89.2193% | 2,431 |
| Total domestic deposits to total assets | 88.2967% | 1,532 |
| Equity capital to assets | 7.6038% | 5,657 |
| Core capital (leverage) ratio | 7.8550% | 5,609 |
| Tier 1 risk-based capital ratio | 11.0724% | 5,273 |
| Total risk-based capital ratio | 12.3314% | 5,169 |
| Memoranda: | ||
| Average total assets | $57,703,000 | 5,158 |
| Average earning assets | $55,957,000 | 5,103 |
| Average equity | $4,352,500 | 5,518 |
| Average total loans | $42,020,000 | 4,790 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 1,876 |
| Cost of funding earning assets | 0.5533% | 1,658 |
| Net interest margin | 3.8285% | 2,217 |
| Noninterest income to average assets | 0.2914% | 4,658 |
| Noninterest expense to average assets | 2.6242% | 3,606 |
| Loan and lease loss provision to assets | 0.6535% | 198 |
| Net operating income to assets | 0.3644% | 5,046 |
| Return on assets (ROA) | 0.3655% | 5,126 |
| Pretax return on assets | 0.7017% | 4,482 |
| Return on Equity (ROE) | 4.7451% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.1783% | 3,649 |
| Net charge-offs to loans | 0.3032% | 908 |
| Credit loss provision to net charge-offs | 284.9624% | 1,025 |
| Earnings coverage of net charge-offs (x) | 5.9023% | 3,261 |
| Efficiency ratio | 65.9731% | 3,591 |
| Assets per employee ($millions) | 5.7790% | 1,636 |
| Cash dividends to net income (ytd only)* | 33.0189% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,137 |
| Loan loss allowance to noncurrent loans | 463.7500% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,168 |
| Noncurrent loans to loans | 0.3666% | 3,809 |
| Net loans and leases to total assets | 74.2308% | 1,811 |
| Net loans and leases to deposits | 90.0443% | 1,678 |
| Net loans and leases to core deposits | 104.2150% | 1,263 |
| Total domestic deposits to total assets | 82.4381% | 3,952 |
| Equity capital to assets | 7.4667% | 5,722 |
| Core capital (leverage) ratio | 7.9777% | 5,629 |
| Tier 1 risk-based capital ratio | 10.0821% | 5,718 |
| Total risk-based capital ratio | 11.3364% | 5,664 |
| Memoranda: | ||
| Average total assets | $57,999,000 | 5,191 |
| Average earning assets | $55,844,000 | 5,130 |
| Average equity | $4,467,800 | 5,560 |
| Average total loans | $43,859,800 | 4,758 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 1,894 |
| Cost of funding earning assets | 0.5348% | 1,835 |
| Net interest margin | 3.8537% | 2,145 |
| Noninterest income to average assets | 0.2848% | 4,730 |
| Noninterest expense to average assets | 2.6045% | 3,645 |
| Loan and lease loss provision to assets | 0.3101% | 540 |
| Net operating income to assets | 0.7485% | 3,614 |
| Return on assets (ROA) | 0.7786% | 3,609 |
| Pretax return on assets | 1.1208% | 3,145 |
| Return on Equity (ROE) | 10.0308% | 2,041 |
| Retained earnings to average equity (ytd only) | 7.9596% | 1,188 |
| Net charge-offs to loans | 0.2338% | 1,008 |
| Credit loss provision to net charge-offs | 175.3247% | 1,589 |
| Earnings coverage of net charge-offs (x) | 7.8444% | 2,836 |
| Efficiency ratio | 65.2474% | 3,721 |
| Assets per employee ($millions) | 5.7226% | 1,641 |
| Cash dividends to net income (ytd only)* | 20.6487% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,842 |
| Loan loss allowance to noncurrent loans | 227.9835% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,724 |
| Noncurrent loans to loans | 0.5570% | 3,325 |
| Net loans and leases to total assets | 75.2700% | 1,659 |
| Net loans and leases to deposits | 93.5192% | 1,317 |
| Net loans and leases to core deposits | 109.5529% | 949 |
| Total domestic deposits to total assets | 80.4861% | 4,394 |
| Equity capital to assets | 8.1921% | 5,673 |
| Core capital (leverage) ratio | 8.0198% | 5,678 |
| Tier 1 risk-based capital ratio | 10.3374% | 5,685 |
| Total risk-based capital ratio | 11.5802% | 5,612 |
| Memoranda: | ||
| Average total assets | $58,051,250 | 5,236 |
| Average earning assets | $55,841,750 | 5,177 |
| Average equity | $4,506,000 | 5,612 |
| Average total loans | $43,914,750 | 4,788 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 1,964 |
| Cost of funding earning assets | 0.5181% | 1,950 |
| Net interest margin | 3.8376% | 2,186 |
| Noninterest income to average assets | 0.3429% | 4,327 |
| Noninterest expense to average assets | 2.6300% | 3,612 |
| Loan and lease loss provision to assets | 0.3086% | 565 |
| Net operating income to assets | 0.8214% | 3,208 |
| Return on assets (ROA) | 0.8710% | 3,114 |
| Pretax return on assets | 1.1521% | 2,982 |
| Return on Equity (ROE) | 11.4277% | 1,502 |
| Retained earnings to average equity (ytd only) | 8.2784% | 1,082 |
| Net charge-offs to loans | 0.2227% | 1,050 |
| Credit loss provision to net charge-offs | 183.6735% | 1,381 |
| Earnings coverage of net charge-offs (x) | 8.3061% | 2,529 |
| Efficiency ratio | 65.3322% | 3,789 |
| Assets per employee ($millions) | 5.6782% | 1,641 |
| Cash dividends to net income (ytd only)* | 27.5591% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,876 |
| Loan loss allowance to noncurrent loans | 145.5285% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 3,053 |
| Noncurrent loans to loans | 0.8828% | 2,530 |
| Net loans and leases to total assets | 72.6674% | 2,058 |
| Net loans and leases to deposits | 88.3668% | 1,940 |
| Net loans and leases to core deposits | 103.2712% | 1,381 |
| Total domestic deposits to total assets | 82.2338% | 3,927 |
| Equity capital to assets | 8.1100% | 5,768 |
| Core capital (leverage) ratio | 8.1203% | 5,655 |
| Tier 1 risk-based capital ratio | 10.4053% | 5,715 |
| Total risk-based capital ratio | 11.6328% | 5,644 |
| Memoranda: | ||
| Average total assets | $58,326,330 | 5,284 |
| Average earning assets | $55,972,670 | 5,221 |
| Average equity | $4,445,330 | 5,687 |
| Average total loans | $44,010,330 | 4,833 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 1,667 |
| Cost of funding earning assets | 0.5143% | 1,990 |
| Net interest margin | 3.9313% | 1,839 |
| Noninterest income to average assets | 0.1218% | 5,731 |
| Noninterest expense to average assets | 2.9172% | 2,650 |
| Loan and lease loss provision to assets | 0.3046% | 514 |
| Net operating income to assets | 0.4399% | 4,862 |
| Return on assets (ROA) | 0.4399% | 4,945 |
| Pretax return on assets | 0.6768% | 4,600 |
| Return on Equity (ROE) | 5.9558% | 4,008 |
| Retained earnings to average equity (ytd only) | -0.4581% | 5,192 |
| Net charge-offs to loans | 0.1241% | 1,362 |
| Credit loss provision to net charge-offs | 321.4286% | 810 |
| Earnings coverage of net charge-offs (x) | 10.3571% | 1,927 |
| Efficiency ratio | 74.8264% | 2,348 |
| Assets per employee ($millions) | 5.6086% | 1,739 |
| Cash dividends to net income (ytd only)* | 107.6923% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 3,169 |
| Loan loss allowance to noncurrent loans | 302.8736% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 4,066 |
| Noncurrent loans to loans | 0.4133% | 3,952 |
| Net loans and leases to total assets | 74.1308% | 1,705 |
| Net loans and leases to deposits | 88.1392% | 1,810 |
| Net loans and leases to core deposits | 103.5052% | 1,220 |
| Total domestic deposits to total assets | 84.1066% | 3,477 |
| Equity capital to assets | 7.8077% | 5,883 |
| Core capital (leverage) ratio | 7.5192% | 5,922 |
| Tier 1 risk-based capital ratio | 9.6603% | 5,976 |
| Total risk-based capital ratio | 10.8272% | 5,976 |
| Memoranda: | ||
| Average total assets | $59,098,500 | 5,307 |
| Average earning assets | $56,775,500 | 5,242 |
| Average equity | $4,365,500 | 5,749 |
| Average total loans | $45,116,000 | 4,825 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,082 |
| Cost of funding earning assets | 0.4393% | 2,745 |
| Net interest margin | 3.9039% | 2,013 |
| Noninterest income to average assets | 0.1330% | 5,746 |
| Noninterest expense to average assets | 2.7483% | 3,417 |
| Loan and lease loss provision to assets | 0.3192% | 516 |
| Net operating income to assets | 0.6646% | 3,977 |
| Return on assets (ROA) | 0.6702% | 4,037 |
| Pretax return on assets | 0.8387% | 4,075 |
| Return on Equity (ROE) | 9.1045% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.1045% | 632 |
| Net charge-offs to loans | 0.4537% | 607 |
| Credit loss provision to net charge-offs | 91.3706% | 2,734 |
| Earnings coverage of net charge-offs (x) | 3.2944% | 3,749 |
| Efficiency ratio | 70.4866% | 3,146 |
| Assets per employee ($millions) | 6.2111% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,436 |
| Loan loss allowance to noncurrent loans | 198.4000% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 3,749 |
| Noncurrent loans to loans | 0.5194% | 3,615 |
| Net loans and leases to total assets | 76.6885% | 1,303 |
| Net loans and leases to deposits | 96.7619% | 929 |
| Net loans and leases to core deposits | 109.3129% | 900 |
| Total domestic deposits to total assets | 79.2549% | 4,915 |
| Equity capital to assets | 7.0068% | 6,057 |
| Core capital (leverage) ratio | 7.4953% | 5,981 |
| Tier 1 risk-based capital ratio | 8.9624% | 6,108 |
| Total risk-based capital ratio | 9.9803% | 6,115 |
| Memoranda: | ||
| Average total assets | $56,397,600 | 5,394 |
| Average earning assets | $54,407,600 | 5,332 |
| Average equity | $4,151,800 | 5,828 |
| Average total loans | $43,419,600 | 4,874 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,049 |
| Cost of funding earning assets | 0.4265% | 2,944 |
| Net interest margin | 3.9335% | 1,922 |
| Noninterest income to average assets | 0.1237% | 5,853 |
| Noninterest expense to average assets | 2.6269% | 3,777 |
| Loan and lease loss provision to assets | 0.3275% | 423 |
| Net operating income to assets | 0.6988% | 3,904 |
| Return on assets (ROA) | 0.7058% | 3,985 |
| Pretax return on assets | 0.9823% | 3,682 |
| Return on Equity (ROE) | 9.4591% | 2,324 |
| Retained earnings to average equity (ytd only) | 9.4591% | 747 |
| Net charge-offs to loans | 0.5776% | 393 |
| Credit loss provision to net charge-offs | 73.7705% | 2,701 |
| Earnings coverage of net charge-offs (x) | 2.9290% | 3,580 |
| Efficiency ratio | 66.8931% | 3,735 |
| Assets per employee ($millions) | 6.4031% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 4,545 |
| Loan loss allowance to noncurrent loans | 190.5738% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 3,851 |
| Noncurrent loans to loans | 0.5442% | 3,712 |
| Net loans and leases to total assets | 76.9938% | 1,252 |
| Net loans and leases to deposits | 98.4076% | 786 |
| Net loans and leases to core deposits | 112.7974% | 717 |
| Total domestic deposits to total assets | 78.2397% | 5,144 |
| Equity capital to assets | 7.3853% | 6,089 |
| Core capital (leverage) ratio | 7.5606% | 6,041 |
| Tier 1 risk-based capital ratio | 9.4324% | 6,155 |
| Total risk-based capital ratio | 10.4574% | 6,162 |
| Memoranda: | ||
| Average total assets | $54,969,250 | 5,508 |
| Average earning assets | $53,148,250 | 5,425 |
| Average equity | $4,101,750 | 5,917 |
| Average total loans | $42,242,500 | 4,984 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,068 |
| Cost of funding earning assets | 0.4132% | 3,122 |
| Net interest margin | 3.9214% | 1,902 |
| Noninterest income to average assets | 0.1146% | 5,973 |
| Noninterest expense to average assets | 2.8179% | 3,169 |
| Loan and lease loss provision to assets | 0.3328% | 413 |
| Net operating income to assets | 0.5351% | 4,633 |
| Return on assets (ROA) | 0.5325% | 4,749 |
| Pretax return on assets | 0.7507% | 4,493 |
| Return on Equity (ROE) | 7.1105% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.1105% | 1,652 |
| Net charge-offs to loans | 0.7540% | 298 |
| Credit loss provision to net charge-offs | 57.6923% | 2,611 |
| Earnings coverage of net charge-offs (x) | 1.8846% | 3,435 |
| Efficiency ratio | 72.1591% | 2,984 |
| Assets per employee ($millions) | 5.4777% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,451 |
| Loan loss allowance to noncurrent loans | 279.3750% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 4,440 |
| Noncurrent loans to loans | 0.3858% | 4,325 |
| Net loans and leases to total assets | 74.9000% | 1,521 |
| Net loans and leases to deposits | 88.9361% | 1,728 |
| Net loans and leases to core deposits | 101.8545% | 1,340 |
| Total domestic deposits to total assets | 84.2178% | 3,479 |
| Equity capital to assets | 7.4648% | 6,121 |
| Core capital (leverage) ratio | 7.6446% | 6,054 |
| Tier 1 risk-based capital ratio | 9.8868% | 6,123 |
| Total risk-based capital ratio | 10.9564% | 6,132 |
| Memoranda: | ||
| Average total assets | $54,083,000 | 5,579 |
| Average earning assets | $52,276,670 | 5,505 |
| Average equity | $4,050,330 | 5,985 |
| Average total loans | $41,378,330 | 5,055 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,099 |
| Cost of funding earning assets | 0.4009% | 3,297 |
| Net interest margin | 3.9012% | 1,892 |
| Noninterest income to average assets | 0.1340% | 5,933 |
| Noninterest expense to average assets | 2.8138% | 3,204 |
| Loan and lease loss provision to assets | 0.3350% | 402 |
| Net operating income to assets | 0.6090% | 4,245 |
| Return on assets (ROA) | 0.6029% | 4,375 |
| Pretax return on assets | 0.7444% | 4,449 |
| Return on Equity (ROE) | 8.0377% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.0377% | 1,559 |
| Net charge-offs to loans | 1.4614% | 131 |
| Credit loss provision to net charge-offs | 29.8013% | 2,279 |
| Earnings coverage of net charge-offs (x) | 0.9669% | 2,984 |
| Efficiency ratio | 72.1374% | 3,151 |
| Assets per employee ($millions) | 5.3254% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,891 |
| Loan loss allowance to noncurrent loans | 171.0084% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 4,248 |
| Noncurrent loans to loans | 0.6000% | 3,776 |
| Net loans and leases to total assets | 73.7184% | 1,546 |
| Net loans and leases to deposits | 83.9115% | 2,090 |
| Net loans and leases to core deposits | 95.2055% | 1,678 |
| Total domestic deposits to total assets | 87.8526% | 1,905 |
| Equity capital to assets | 7.6389% | 6,142 |
| Core capital (leverage) ratio | 7.7000% | 6,070 |
| Tier 1 risk-based capital ratio | 10.2694% | 6,091 |
| Total risk-based capital ratio | 11.2968% | 6,111 |
| Memoranda: | ||
| Average total assets | $53,736,000 | 5,645 |
| Average earning assets | $51,881,500 | 5,565 |
| Average equity | $4,031,000 | 6,046 |
| Average total loans | $41,330,000 | 5,090 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 2,227 |
| Cost of funding earning assets | 0.4213% | 3,467 |
| Net interest margin | 3.9775% | 1,958 |
| Noninterest income to average assets | 0.1899% | 5,720 |
| Noninterest expense to average assets | 2.7498% | 3,677 |
| Loan and lease loss provision to assets | 0.5884% | 240 |
| Net operating income to assets | 0.4317% | 5,101 |
| Return on assets (ROA) | 0.4521% | 5,105 |
| Pretax return on assets | 0.6833% | 4,684 |
| Return on Equity (ROE) | 5.6088% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.3282% | 3,110 |
| Net charge-offs to loans | 0.5842% | 687 |
| Credit loss provision to net charge-offs | 134.4340% | 1,761 |
| Earnings coverage of net charge-offs (x) | 2.8349% | 4,049 |
| Efficiency ratio | 68.9084% | 3,731 |
| Assets per employee ($millions) | 5.4218% | 1,837 |
| Cash dividends to net income (ytd only)* | 22.8311% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 4,042 |
| Loan loss allowance to noncurrent loans | 172.1477% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 3,963 |
| Noncurrent loans to loans | 0.6931% | 3,604 |
| Net loans and leases to total assets | 78.3541% | 956 |
| Net loans and leases to deposits | 94.5494% | 1,027 |
| Net loans and leases to core deposits | 108.4222% | 865 |
| Total domestic deposits to total assets | 82.8710% | 4,121 |
| Equity capital to assets | 7.3666% | 6,268 |
| Core capital (leverage) ratio | 7.7754% | 6,107 |
| Tier 1 risk-based capital ratio | 9.6147% | 6,336 |
| Total risk-based capital ratio | 10.8515% | 6,317 |
| Memoranda: | ||
| Average total assets | $48,440,400 | 5,823 |
| Average earning assets | $46,285,400 | 5,767 |
| Average equity | $3,904,600 | 6,109 |
| Average total loans | $36,286,600 | 5,320 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 2,181 |
| Cost of funding earning assets | 0.4193% | 3,587 |
| Net interest margin | 3.9934% | 1,896 |
| Noninterest income to average assets | 0.1901% | 5,780 |
| Noninterest expense to average assets | 2.7406% | 3,669 |
| Loan and lease loss provision to assets | 0.2553% | 837 |
| Net operating income to assets | 0.7240% | 3,818 |
| Return on assets (ROA) | 0.7547% | 3,740 |
| Pretax return on assets | 1.0469% | 3,396 |
| Return on Equity (ROE) | 9.1354% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.1354% | 944 |
| Net charge-offs to loans | 0.8052% | 412 |
| Credit loss provision to net charge-offs | 43.0622% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.1244% | 3,989 |
| Efficiency ratio | 68.5106% | 3,761 |
| Assets per employee ($millions) | 4.8710% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 5,691 |
| Loan loss allowance to noncurrent loans | 32.0040% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.0591% | 1,377 |
| Noncurrent loans to loans | 2.7141% | 1,043 |
| Net loans and leases to total assets | 75.2084% | 1,333 |
| Net loans and leases to deposits | 89.8553% | 1,440 |
| Net loans and leases to core deposits | 104.6058% | 1,064 |
| Total domestic deposits to total assets | 83.6994% | 3,880 |
| Equity capital to assets | 8.3494% | 5,905 |
| Core capital (leverage) ratio | 8.4982% | 5,662 |
| Tier 1 risk-based capital ratio | 11.4497% | 5,815 |
| Total risk-based capital ratio | 12.3497% | 5,908 |
| Memoranda: | ||
| Average total assets | $46,996,000 | 5,931 |
| Average earning assets | $44,840,000 | 5,871 |
| Average equity | $3,882,250 | 6,178 |
| Average total loans | $34,609,500 | 5,427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 2,363 |
| Cost of funding earning assets | 0.4066% | 3,805 |
| Net interest margin | 3.9486% | 1,975 |
| Noninterest income to average assets | 0.1766% | 5,891 |
| Noninterest expense to average assets | 2.5590% | 4,384 |
| Loan and lease loss provision to assets | 0.2585% | 827 |
| Net operating income to assets | 0.8995% | 2,810 |
| Return on assets (ROA) | 0.9305% | 2,755 |
| Pretax return on assets | 1.1632% | 2,823 |
| Return on Equity (ROE) | 11.3069% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.3069% | 497 |
| Net charge-offs to loans | 1.2357% | 251 |
| Credit loss provision to net charge-offs | 28.7081% | 3,075 |
| Earnings coverage of net charge-offs (x) | 1.5359% | 3,780 |
| Efficiency ratio | 64.9180% | 4,550 |
| Assets per employee ($millions) | 4.6035% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 5,851 |
| Loan loss allowance to noncurrent loans | 73.6709% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 3,395 |
| Noncurrent loans to loans | 1.1660% | 2,894 |
| Net loans and leases to total assets | 72.9575% | 1,582 |
| Net loans and leases to deposits | 84.3763% | 1,997 |
| Net loans and leases to core deposits | 97.1901% | 1,507 |
| Total domestic deposits to total assets | 86.4668% | 2,777 |
| Equity capital to assets | 8.7390% | 5,584 |
| Core capital (leverage) ratio | 8.9254% | 5,126 |
| Tier 1 risk-based capital ratio | 12.1167% | 5,475 |
| Total risk-based capital ratio | 12.9907% | 5,613 |
| Memoranda: | ||
| Average total assets | $46,424,670 | 5,996 |
| Average earning assets | $44,268,330 | 5,945 |
| Average equity | $3,820,670 | 6,240 |
| Average total loans | $33,827,670 | 5,500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,502 |
| Cost of funding earning assets | 0.4027% | 3,941 |
| Net interest margin | 3.9013% | 2,083 |
| Noninterest income to average assets | 0.1973% | 5,784 |
| Noninterest expense to average assets | 2.6770% | 4,012 |
| Loan and lease loss provision to assets | 0.5148% | 281 |
| Net operating income to assets | 0.5062% | 4,660 |
| Return on assets (ROA) | 0.5062% | 4,744 |
| Pretax return on assets | 0.7465% | 4,326 |
| Return on Equity (ROE) | 6.3449% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.3449% | 2,355 |
| Net charge-offs to loans | 2.4140% | 94 |
| Credit loss provision to net charge-offs | 29.4118% | 2,402 |
| Earnings coverage of net charge-offs (x) | 0.7206% | 3,275 |
| Efficiency ratio | 67.9739% | 4,190 |
| Assets per employee ($millions) | 4.5544% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 5,784 |
| Loan loss allowance to noncurrent loans | 168.1818% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 4,994 |
| Noncurrent loans to loans | 0.5503% | 4,510 |
| Net loans and leases to total assets | 69.5723% | 1,970 |
| Net loans and leases to deposits | 77.2716% | 2,656 |
| Net loans and leases to core deposits | 88.6099% | 2,036 |
| Total domestic deposits to total assets | 90.0360% | 1,058 |
| Equity capital to assets | 8.3150% | 5,812 |
| Core capital (leverage) ratio | 8.4374% | 5,712 |
| Tier 1 risk-based capital ratio | 12.2885% | 5,451 |
| Total risk-based capital ratio | 13.2264% | 5,591 |
| Memoranda: | ||
| Average total assets | $46,619,500 | 6,057 |
| Average earning assets | $44,702,500 | 5,982 |
| Average equity | $3,719,500 | 6,301 |
| Average total loans | $33,803,000 | 5,552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 3,213 |
| Cost of funding earning assets | 0.4683% | 3,934 |
| Net interest margin | 3.7671% | 2,774 |
| Noninterest income to average assets | 0.2324% | 5,682 |
| Noninterest expense to average assets | 2.7649% | 3,854 |
| Loan and lease loss provision to assets | 0.2498% | 1,446 |
| Net operating income to assets | 0.5438% | 4,539 |
| Return on assets (ROA) | 0.5777% | 4,484 |
| Pretax return on assets | 0.8492% | 3,965 |
| Return on Equity (ROE) | 7.1803% | 3,465 |
| Retained earnings to average equity (ytd only) | 5.8306% | 2,076 |
| Net charge-offs to loans | 0.0353% | 4,742 |
| Credit loss provision to net charge-offs | 1,045.4545% | 245 |
| Earnings coverage of net charge-offs (x) | 43.9091% | 878 |
| Efficiency ratio | 72.4943% | 3,387 |
| Assets per employee ($millions) | 4.7695% | 2,486 |
| Cash dividends to net income (ytd only)* | 18.7970% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,475 |
| Loan loss allowance to noncurrent loans | 82.5516% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1175% | 3,167 |
| Noncurrent loans to loans | 1.4962% | 2,649 |
| Net loans and leases to total assets | 73.7687% | 1,388 |
| Net loans and leases to deposits | 93.0351% | 956 |
| Net loans and leases to core deposits | 108.6865% | 665 |
| Total domestic deposits to total assets | 79.2913% | 5,606 |
| Equity capital to assets | 7.6570% | 6,203 |
| Core capital (leverage) ratio | 8.3090% | 5,863 |
| Tier 1 risk-based capital ratio | 11.0555% | 6,145 |
| Total risk-based capital ratio | 12.3060% | 6,090 |
| Memoranda: | ||
| Average total assets | $46,041,000 | 6,120 |
| Average earning assets | $43,773,400 | 6,055 |
| Average equity | $3,704,600 | 6,393 |
| Average total loans | $31,205,400 | 5,699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,513 |
| Cost of funding earning assets | 0.4778% | 3,988 |
| Net interest margin | 3.6868% | 3,080 |
| Noninterest income to average assets | 0.2425% | 5,701 |
| Noninterest expense to average assets | 2.8111% | 3,620 |
| Loan and lease loss provision to assets | 0.0585% | 3,879 |
| Net operating income to assets | 0.6626% | 4,052 |
| Return on assets (ROA) | 0.7159% | 3,908 |
| Pretax return on assets | 0.9380% | 3,728 |
| Return on Equity (ROE) | 8.7865% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.7865% | 1,124 |
| Net charge-offs to loans | 0.0044% | 5,103 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 317.7895% | 185 |
| Efficiency ratio | 75.2150% | 2,867 |
| Assets per employee ($millions) | 4.6162% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 5,460 |
| Loan loss allowance to noncurrent loans | 116.3934% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 4,455 |
| Noncurrent loans to loans | 0.9160% | 3,983 |
| Net loans and leases to total assets | 71.3596% | 1,717 |
| Net loans and leases to deposits | 89.7037% | 1,201 |
| Net loans and leases to core deposits | 104.0133% | 877 |
| Total domestic deposits to total assets | 79.5503% | 5,623 |
| Equity capital to assets | 8.0434% | 6,122 |
| Core capital (leverage) ratio | 8.4290% | 5,831 |
| Tier 1 risk-based capital ratio | 11.8355% | 5,885 |
| Total risk-based capital ratio | 12.9276% | 5,923 |
| Memoranda: | ||
| Average total assets | $45,627,500 | 6,204 |
| Average earning assets | $43,252,750 | 6,141 |
| Average equity | $3,717,750 | 6,464 |
| Average total loans | $30,100,750 | 5,813 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 3,848 |
| Cost of funding earning assets | 0.4842% | 4,043 |
| Net interest margin | 3.5852% | 3,431 |
| Noninterest income to average assets | 0.2464% | 5,685 |
| Noninterest expense to average assets | 2.7679% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6159% | 4,213 |
| Return on assets (ROA) | 0.6909% | 4,018 |
| Pretax return on assets | 0.9725% | 3,626 |
| Return on Equity (ROE) | 8.4424% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.4424% | 1,318 |
| Net charge-offs to loans | -0.0276% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1501% | 2,762 |
| Assets per employee ($millions) | 4.4890% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,364 |
| Loan loss allowance to noncurrent loans | 47.4860% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5950% | 2,721 |
| Noncurrent loans to loans | 2.3576% | 2,002 |
| Net loans and leases to total assets | 66.8969% | 2,435 |
| Net loans and leases to deposits | 80.4856% | 2,259 |
| Net loans and leases to core deposits | 89.2342% | 1,979 |
| Total domestic deposits to total assets | 83.1165% | 4,657 |
| Equity capital to assets | 8.1689% | 6,076 |
| Core capital (leverage) ratio | 8.7476% | 5,361 |
| Tier 1 risk-based capital ratio | 12.6115% | 5,421 |
| Total risk-based capital ratio | 13.7519% | 5,438 |
| Memoranda: | ||
| Average total assets | $45,449,330 | 6,251 |
| Average earning assets | $42,954,330 | 6,192 |
| Average equity | $3,719,330 | 6,513 |
| Average total loans | $29,035,670 | 5,891 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,854 |
| Cost of funding earning assets | 0.4993% | 4,099 |
| Net interest margin | 3.5687% | 3,387 |
| Noninterest income to average assets | 0.2624% | 5,583 |
| Noninterest expense to average assets | 2.7641% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6211% | 4,113 |
| Return on assets (ROA) | 0.6211% | 4,274 |
| Pretax return on assets | 0.8747% | 3,855 |
| Return on Equity (ROE) | 7.5824% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.5824% | 1,906 |
| Net charge-offs to loans | -0.0423% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9615% | 2,933 |
| Assets per employee ($millions) | 4.4881% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,824 |
| Loan loss allowance to noncurrent loans | 79.7647% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 4,034 |
| Noncurrent loans to loans | 1.5982% | 3,142 |
| Net loans and leases to total assets | 58.4969% | 3,705 |
| Net loans and leases to deposits | 64.4191% | 4,267 |
| Net loans and leases to core deposits | 72.7439% | 3,735 |
| Total domestic deposits to total assets | 90.8068% | 610 |
| Equity capital to assets | 8.3889% | 6,115 |
| Core capital (leverage) ratio | 8.2325% | 5,900 |
| Tier 1 risk-based capital ratio | 13.6879% | 4,731 |
| Total risk-based capital ratio | 14.9363% | 4,695 |
| Memoranda: | ||
| Average total assets | $45,729,000 | 6,297 |
| Average earning assets | $43,264,500 | 6,238 |
| Average equity | $3,745,500 | 6,576 |
| Average total loans | $28,368,500 | 5,961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 3,419 |
| Cost of funding earning assets | 0.6987% | 3,506 |
| Net interest margin | 3.7941% | 3,250 |
| Noninterest income to average assets | 0.2483% | 5,683 |
| Noninterest expense to average assets | 2.8427% | 3,864 |
| Loan and lease loss provision to assets | 0.0928% | 4,510 |
| Net operating income to assets | 0.6184% | 4,152 |
| Return on assets (ROA) | 0.7055% | 3,965 |
| Pretax return on assets | 1.0466% | 3,367 |
| Return on Equity (ROE) | 8.4020% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.0201% | 1,560 |
| Net charge-offs to loans | -0.0189% | 6,543 |
| Credit loss provision to net charge-offs | -800.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7952% | 3,099 |
| Assets per employee ($millions) | 4.6577% | 2,695 |
| Cash dividends to net income (ytd only)* | 16.4474% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,489 |
| Loan loss allowance to noncurrent loans | 163.9024% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 5,385 |
| Noncurrent loans to loans | 0.6801% | 4,839 |
| Net loans and leases to total assets | 63.9973% | 2,898 |
| Net loans and leases to deposits | 78.0498% | 2,524 |
| Net loans and leases to core deposits | 92.3964% | 1,602 |
| Total domestic deposits to total assets | 81.9954% | 5,099 |
| Equity capital to assets | 7.9997% | 6,405 |
| Core capital (leverage) ratio | 8.2273% | 5,965 |
| Tier 1 risk-based capital ratio | 12.0667% | 5,748 |
| Total risk-based capital ratio | 13.1920% | 5,778 |
| Memoranda: | ||
| Average total assets | $43,092,600 | 6,396 |
| Average earning assets | $40,932,000 | 6,330 |
| Average equity | $3,618,200 | 6,659 |
| Average total loans | $26,518,400 | 6,112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 3,495 |
| Cost of funding earning assets | 0.7389% | 3,443 |
| Net interest margin | 3.7971% | 3,346 |
| Noninterest income to average assets | 0.2779% | 5,553 |
| Noninterest expense to average assets | 2.8642% | 3,734 |
| Loan and lease loss provision to assets | 0.1263% | 3,971 |
| Net operating income to assets | 0.6057% | 4,368 |
| Return on assets (ROA) | 0.7200% | 4,075 |
| Pretax return on assets | 1.0768% | 3,437 |
| Return on Equity (ROE) | 8.4647% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.4647% | 1,420 |
| Net charge-offs to loans | -0.0312% | 6,584 |
| Credit loss provision to net charge-offs | -666.6667% | 6,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5008% | 3,068 |
| Assets per employee ($millions) | 4.2657% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 4,952 |
| Loan loss allowance to noncurrent loans | 253.3835% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 5,915 |
| Noncurrent loans to loans | 0.5010% | 5,440 |
| Net loans and leases to total assets | 61.4389% | 3,487 |
| Net loans and leases to deposits | 73.7568% | 3,325 |
| Net loans and leases to core deposits | 87.2001% | 2,315 |
| Total domestic deposits to total assets | 83.2993% | 4,521 |
| Equity capital to assets | 8.7301% | 6,084 |
| Core capital (leverage) ratio | 8.4104% | 5,884 |
| Tier 1 risk-based capital ratio | 13.6614% | 4,775 |
| Total risk-based capital ratio | 14.9106% | 4,732 |
| Memoranda: | ||
| Average total assets | $42,221,500 | 6,497 |
| Average earning assets | $40,240,000 | 6,423 |
| Average equity | $3,591,250 | 6,746 |
| Average total loans | $25,612,000 | 6,239 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 3,530 |
| Cost of funding earning assets | 0.7981% | 3,205 |
| Net interest margin | 3.7612% | 3,532 |
| Noninterest income to average assets | 0.2757% | 5,605 |
| Noninterest expense to average assets | 2.8520% | 3,819 |
| Loan and lease loss provision to assets | 0.0951% | 4,360 |
| Net operating income to assets | 0.6090% | 4,334 |
| Return on assets (ROA) | 0.8128% | 3,599 |
| Pretax return on assets | 1.2168% | 2,849 |
| Return on Equity (ROE) | 9.6420% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.6420% | 1,075 |
| Net charge-offs to loans | -0.0316% | 6,539 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8916% | 3,093 |
| Assets per employee ($millions) | 4.2351% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,147 |
| Loan loss allowance to noncurrent loans | 178.9773% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 5,741 |
| Noncurrent loans to loans | 0.6952% | 5,113 |
| Net loans and leases to total assets | 59.0376% | 3,990 |
| Net loans and leases to deposits | 66.7762% | 4,399 |
| Net loans and leases to core deposits | 78.8440% | 3,387 |
| Total domestic deposits to total assets | 88.4111% | 1,873 |
| Equity capital to assets | 8.5287% | 6,181 |
| Core capital (leverage) ratio | 8.3168% | 5,887 |
| Tier 1 risk-based capital ratio | 12.4444% | 5,609 |
| Total risk-based capital ratio | 13.5567% | 5,695 |
| Memoranda: | ||
| Average total assets | $42,076,330 | 6,539 |
| Average earning assets | $40,093,330 | 6,474 |
| Average equity | $3,547,000 | 6,796 |
| Average total loans | $25,301,000 | 6,300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 3,584 |
| Cost of funding earning assets | 0.8622% | 2,974 |
| Net interest margin | 3.7197% | 3,739 |
| Noninterest income to average assets | 0.2766% | 5,654 |
| Noninterest expense to average assets | 2.8613% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6345% | 4,200 |
| Return on assets (ROA) | 0.8965% | 3,154 |
| Pretax return on assets | 1.3448% | 2,375 |
| Return on Equity (ROE) | 10.6985% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.6985% | 1,110 |
| Net charge-offs to loans | -0.0633% | 6,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,938 |
| Assets per employee ($millions) | 4.2972% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,209 |
| Loan loss allowance to noncurrent loans | 118.9516% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 5,447 |
| Noncurrent loans to loans | 1.0576% | 4,586 |
| Net loans and leases to total assets | 53.8816% | 4,742 |
| Net loans and leases to deposits | 59.4836% | 5,215 |
| Net loans and leases to core deposits | 69.7620% | 4,455 |
| Total domestic deposits to total assets | 90.5822% | 759 |
| Equity capital to assets | 8.2752% | 6,288 |
| Core capital (leverage) ratio | 8.2508% | 5,952 |
| Tier 1 risk-based capital ratio | 14.5492% | 4,061 |
| Total risk-based capital ratio | 15.7944% | 4,028 |
| Memoranda: | ||
| Average total assets | $41,939,000 | 6,603 |
| Average earning assets | $39,896,000 | 6,529 |
| Average equity | $3,514,500 | 6,846 |
| Average total loans | $25,292,500 | 6,349 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2462% | 1,888 |
| Cost of funding earning assets | 1.0576% | 2,966 |
| Net interest margin | 4.1886% | 2,102 |
| Noninterest income to average assets | 0.2237% | 5,932 |
| Noninterest expense to average assets | 3.0738% | 3,294 |
| Loan and lease loss provision to assets | 0.1184% | 5,122 |
| Net operating income to assets | 0.7115% | 3,431 |
| Return on assets (ROA) | 0.7974% | 3,214 |
| Pretax return on assets | 1.1237% | 2,750 |
| Return on Equity (ROE) | 9.2587% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.7309% | 1,178 |
| Net charge-offs to loans | 0.1718% | 4,780 |
| Credit loss provision to net charge-offs | 104.6512% | 3,275 |
| Earnings coverage of net charge-offs (x) | 9.9070% | 1,910 |
| Efficiency ratio | 73.2748% | 3,343 |
| Assets per employee ($millions) | 4.0906% | 3,663 |
| Cash dividends to net income (ytd only)* | 16.5017% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,918 |
| Loan loss allowance to noncurrent loans | 42.7313% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 1.6648% | 3,457 |
| Noncurrent loans to loans | 2.5096% | 2,617 |
| Net loans and leases to total assets | 65.6261% | 2,850 |
| Net loans and leases to deposits | 77.2185% | 2,967 |
| Net loans and leases to core deposits | 92.5115% | 1,836 |
| Total domestic deposits to total assets | 84.9875% | 3,858 |
| Equity capital to assets | 8.4902% | 6,159 |
| Core capital (leverage) ratio | 8.4407% | 5,654 |
| Tier 1 risk-based capital ratio | 12.4286% | 5,510 |
| Total risk-based capital ratio | 13.5073% | 5,615 |
| Memoranda: | ||
| Average total assets | $37,998,400 | 6,741 |
| Average earning assets | $36,026,200 | 6,679 |
| Average equity | $3,272,600 | 6,941 |
| Average total loans | $25,029,400 | 6,423 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 2,147 |
| Cost of funding earning assets | 1.0627% | 3,226 |
| Net interest margin | 4.1528% | 2,270 |
| Noninterest income to average assets | 0.2540% | 5,802 |
| Noninterest expense to average assets | 3.0121% | 3,515 |
| Loan and lease loss provision to assets | 0.1610% | 4,455 |
| Net operating income to assets | 0.6700% | 3,772 |
| Return on assets (ROA) | 0.7584% | 3,512 |
| Pretax return on assets | 1.1590% | 2,789 |
| Return on Equity (ROE) | 8.7715% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.7715% | 1,228 |
| Net charge-offs to loans | 0.2122% | 4,105 |
| Credit loss provision to net charge-offs | 115.3846% | 2,831 |
| Earnings coverage of net charge-offs (x) | 8.4869% | 2,167 |
| Efficiency ratio | 71.7818% | 3,596 |
| Assets per employee ($millions) | 3.9642% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,737 |
| Loan loss allowance to noncurrent loans | 111.7424% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 5,481 |
| Noncurrent loans to loans | 1.0182% | 4,857 |
| Net loans and leases to total assets | 64.6587% | 3,173 |
| Net loans and leases to deposits | 74.8773% | 3,527 |
| Net loans and leases to core deposits | 86.9441% | 2,647 |
| Total domestic deposits to total assets | 86.3529% | 3,012 |
| Equity capital to assets | 8.6348% | 6,164 |
| Core capital (leverage) ratio | 8.7434% | 5,348 |
| Tier 1 risk-based capital ratio | 11.5760% | 6,192 |
| Total risk-based capital ratio | 12.6070% | 6,317 |
| Memoranda: | ||
| Average total assets | $37,271,500 | 6,820 |
| Average earning assets | $35,381,000 | 6,756 |
| Average equity | $3,222,500 | 7,012 |
| Average total loans | $24,502,750 | 6,506 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 2,311 |
| Cost of funding earning assets | 1.0548% | 3,567 |
| Net interest margin | 4.1326% | 2,298 |
| Noninterest income to average assets | 0.2357% | 5,962 |
| Noninterest expense to average assets | 3.0481% | 3,440 |
| Loan and lease loss provision to assets | 0.2467% | 3,439 |
| Net operating income to assets | 0.6424% | 3,840 |
| Return on assets (ROA) | 0.6140% | 4,122 |
| Pretax return on assets | 0.8333% | 3,898 |
| Return on Equity (ROE) | 7.0983% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.0983% | 1,833 |
| Net charge-offs to loans | 0.3246% | 3,264 |
| Credit loss provision to net charge-offs | 115.3846% | 2,652 |
| Earnings coverage of net charge-offs (x) | 5.2308% | 2,660 |
| Efficiency ratio | 73.1579% | 3,518 |
| Assets per employee ($millions) | 3.7065% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 5,451 |
| Loan loss allowance to noncurrent loans | 252.1368% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 6,340 |
| Noncurrent loans to loans | 0.4849% | 5,936 |
| Net loans and leases to total assets | 64.3033% | 3,398 |
| Net loans and leases to deposits | 72.6957% | 4,000 |
| Net loans and leases to core deposits | 80.4225% | 3,724 |
| Total domestic deposits to total assets | 88.4554% | 1,879 |
| Equity capital to assets | 8.9006% | 5,705 |
| Core capital (leverage) ratio | 8.7395% | 5,159 |
| Tier 1 risk-based capital ratio | 13.1729% | 4,787 |
| Total risk-based capital ratio | 14.3824% | 4,793 |
| Memoranda: | ||
| Average total assets | $36,481,330 | 6,905 |
| Average earning assets | $34,700,000 | 6,843 |
| Average equity | $3,155,670 | 7,087 |
| Average total loans | $24,028,000 | 6,591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 2,642 |
| Cost of funding earning assets | 1.0459% | 3,881 |
| Net interest margin | 4.0556% | 2,451 |
| Noninterest income to average assets | 0.2653% | 5,774 |
| Noninterest expense to average assets | 3.0174% | 3,568 |
| Loan and lease loss provision to assets | 0.4974% | 1,757 |
| Net operating income to assets | 0.4055% | 4,924 |
| Return on assets (ROA) | 0.3537% | 5,234 |
| Pretax return on assets | 0.5305% | 4,924 |
| Return on Equity (ROE) | 4.1505% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.1505% | 3,678 |
| Net charge-offs to loans | 0.6673% | 1,873 |
| Credit loss provision to net charge-offs | 112.5000% | 2,382 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,083 |
| Efficiency ratio | 73.1903% | 3,650 |
| Assets per employee ($millions) | 3.6095% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 5,142 |
| Loan loss allowance to noncurrent loans | 186.0759% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 6,114 |
| Noncurrent loans to loans | 0.6974% | 5,622 |
| Net loans and leases to total assets | 61.9504% | 3,868 |
| Net loans and leases to deposits | 69.5716% | 4,418 |
| Net loans and leases to core deposits | 78.0026% | 4,017 |
| Total domestic deposits to total assets | 89.0456% | 1,743 |
| Equity capital to assets | 8.6937% | 5,666 |
| Core capital (leverage) ratio | 8.6795% | 5,121 |
| Tier 1 risk-based capital ratio | 12.1283% | 5,570 |
| Total risk-based capital ratio | 13.2667% | 5,665 |
| Memoranda: | ||
| Average total assets | $36,189,500 | 6,962 |
| Average earning assets | $34,421,500 | 6,905 |
| Average equity | $3,084,000 | 7,143 |
| Average total loans | $23,977,500 | 6,648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 1,568 |
| Cost of funding earning assets | 1.1408% | 4,904 |
| Net interest margin | 4.5601% | 1,108 |
| Noninterest income to average assets | 0.3331% | 5,404 |
| Noninterest expense to average assets | 3.2081% | 3,057 |
| Loan and lease loss provision to assets | 0.0877% | 6,277 |
| Net operating income to assets | 0.8885% | 2,434 |
| Return on assets (ROA) | 1.0080% | 2,123 |
| Pretax return on assets | 1.5281% | 1,307 |
| Return on Equity (ROE) | 11.5184% | 1,447 |
| Retained earnings to average equity (ytd only) | 10.0160% | 524 |
| Net charge-offs to loans | 0.0509% | 6,283 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 40.9167% | 570 |
| Efficiency ratio | 69.1001% | 4,358 |
| Assets per employee ($millions) | 3.6284% | 4,636 |
| Cash dividends to net income (ytd only)* | 13.0435% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,751 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 6,078 |
| Noncurrent loans to loans | 0.6877% | 5,667 |
| Net loans and leases to total assets | 68.9285% | 2,764 |
| Net loans and leases to deposits | 86.3486% | 2,036 |
| Net loans and leases to core deposits | 98.1285% | 1,785 |
| Total domestic deposits to total assets | 79.8258% | 5,879 |
| Equity capital to assets | 8.3508% | 6,075 |
| Core capital (leverage) ratio | 8.8001% | 4,856 |
| Tier 1 risk-based capital ratio | 12.4874% | 5,033 |
| Total risk-based capital ratio | 13.6556% | 5,086 |
| Memoranda: | ||
| Average total assets | $34,225,600 | 7,067 |
| Average earning assets | $32,345,600 | 7,004 |
| Average equity | $2,995,200 | 7,279 |
| Average total loans | $23,581,200 | 6,748 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7320% | 1,600 |
| Cost of funding earning assets | 1.1732% | 5,018 |
| Net interest margin | 4.5588% | 1,135 |
| Noninterest income to average assets | 0.3243% | 5,561 |
| Noninterest expense to average assets | 3.1799% | 2,999 |
| Loan and lease loss provision to assets | 0.0870% | 6,177 |
| Net operating income to assets | 0.8684% | 2,748 |
| Return on assets (ROA) | 0.9848% | 2,405 |
| Pretax return on assets | 1.5425% | 1,499 |
| Return on Equity (ROE) | 11.1164% | 1,748 |
| Retained earnings to average equity (ytd only) | 9.1073% | 1,021 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7179% | 4,332 |
| Assets per employee ($millions) | 3.4715% | 5,054 |
| Cash dividends to net income (ytd only)* | 18.0728% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,400 |
| Loan loss allowance to noncurrent loans | 125.1064% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 5,762 |
| Noncurrent loans to loans | 0.9730% | 5,289 |
| Net loans and leases to total assets | 68.7282% | 3,047 |
| Net loans and leases to deposits | 82.6085% | 2,982 |
| Net loans and leases to core deposits | 95.1316% | 2,367 |
| Total domestic deposits to total assets | 83.1975% | 4,507 |
| Equity capital to assets | 8.9039% | 5,698 |
| Core capital (leverage) ratio | 8.7811% | 5,046 |
| Tier 1 risk-based capital ratio | 12.5323% | 4,951 |
| Total risk-based capital ratio | 13.7589% | 4,949 |
| Memoranda: | ||
| Average total assets | $33,711,000 | 7,172 |
| Average earning assets | $31,820,250 | 7,109 |
| Average equity | $2,986,500 | 7,372 |
| Average total loans | $23,151,500 | 6,853 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6967% | 1,778 |
| Cost of funding earning assets | 1.1940% | 5,164 |
| Net interest margin | 4.5027% | 1,205 |
| Noninterest income to average assets | 0.2816% | 5,893 |
| Noninterest expense to average assets | 3.2358% | 2,781 |
| Loan and lease loss provision to assets | 0.0599% | 6,352 |
| Net operating income to assets | 0.7991% | 2,982 |
| Return on assets (ROA) | 0.8809% | 2,748 |
| Pretax return on assets | 1.3602% | 1,920 |
| Return on Equity (ROE) | 9.9605% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.9605% | 853 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,915 |
| Assets per employee ($millions) | 3.4048% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 5,420 |
| Loan loss allowance to noncurrent loans | 147.6440% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 6,071 |
| Noncurrent loans to loans | 0.8170% | 5,643 |
| Net loans and leases to total assets | 67.8366% | 3,406 |
| Net loans and leases to deposits | 78.6817% | 3,854 |
| Net loans and leases to core deposits | 90.3992% | 3,199 |
| Total domestic deposits to total assets | 86.2165% | 2,962 |
| Equity capital to assets | 8.8287% | 5,710 |
| Core capital (leverage) ratio | 8.6720% | 5,122 |
| Tier 1 risk-based capital ratio | 12.6589% | 4,725 |
| Total risk-based capital ratio | 13.8703% | 4,723 |
| Memoranda: | ||
| Average total assets | $33,376,330 | 7,239 |
| Average earning assets | $31,492,000 | 7,176 |
| Average equity | $2,951,670 | 7,428 |
| Average total loans | $22,817,670 | 6,919 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7120% | 1,731 |
| Cost of funding earning assets | 1.2479% | 5,121 |
| Net interest margin | 4.4641% | 1,225 |
| Noninterest income to average assets | 0.2784% | 5,919 |
| Noninterest expense to average assets | 3.1598% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8717% | 2,665 |
| Return on assets (ROA) | 0.8717% | 2,748 |
| Pretax return on assets | 1.3196% | 2,004 |
| Return on Equity (ROE) | 9.8478% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.8478% | 1,174 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5405% | 4,210 |
| Assets per employee ($millions) | 3.2841% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 5,072 |
| Loan loss allowance to noncurrent loans | 81.6817% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 5,026 |
| Noncurrent loans to loans | 1.5595% | 4,403 |
| Net loans and leases to total assets | 64.1911% | 4,292 |
| Net loans and leases to deposits | 72.9446% | 4,917 |
| Net loans and leases to core deposits | 81.8489% | 4,511 |
| Total domestic deposits to total assets | 87.9998% | 2,061 |
| Equity capital to assets | 9.0162% | 5,252 |
| Core capital (leverage) ratio | 8.6529% | 5,106 |
| Tier 1 risk-based capital ratio | 13.1285% | 4,249 |
| Total risk-based capital ratio | 14.3719% | 4,212 |
| Memoranda: | ||
| Average total assets | $33,040,500 | 7,342 |
| Average earning assets | $31,092,500 | 7,278 |
| Average equity | $2,924,500 | 7,516 |
| Average total loans | $22,537,000 | 7,021 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2630% | 1,091 |
| Cost of funding earning assets | 1.7155% | 4,427 |
| Net interest margin | 4.5475% | 1,082 |
| Noninterest income to average assets | 0.4897% | 4,488 |
| Noninterest expense to average assets | 3.5743% | 2,207 |
| Loan and lease loss provision to assets | 0.1336% | 6,303 |
| Net operating income to assets | 0.7155% | 2,873 |
| Return on assets (ROA) | 0.8777% | 2,316 |
| Pretax return on assets | 1.2943% | 1,709 |
| Return on Equity (ROE) | 9.9610% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.0738% | 938 |
| Net charge-offs to loans | 0.2404% | 5,118 |
| Credit loss provision to net charge-offs | 79.2453% | 6,301 |
| Earnings coverage of net charge-offs (x) | 7.0566% | 2,230 |
| Efficiency ratio | 75.0334% | 3,706 |
| Assets per employee ($millions) | 3.3240% | 5,443 |
| Cash dividends to net income (ytd only)* | 28.9855% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,655 |
| Loan loss allowance to noncurrent loans | 132.6829% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,809 |
| Noncurrent loans to loans | 0.8642% | 5,569 |
| Net loans and leases to total assets | 70.5445% | 3,115 |
| Net loans and leases to deposits | 82.6396% | 3,511 |
| Net loans and leases to core deposits | 108.8727% | 3,015 |
| Total domestic deposits to total assets | 85.3640% | 3,379 |
| Equity capital to assets | 8.6883% | 5,603 |
| Core capital (leverage) ratio | 8.6658% | 4,984 |
| Tier 1 risk-based capital ratio | 11.7756% | 5,128 |
| Total risk-based capital ratio | 12.9195% | 5,185 |
| Memoranda: | ||
| Average total assets | $31,446,400 | 7,426 |
| Average earning assets | $29,554,600 | 7,374 |
| Average equity | $2,770,800 | 7,655 |
| Average total loans | $22,050,000 | 7,085 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2833% | 1,173 |
| Cost of funding earning assets | 1.8063% | 4,357 |
| Net interest margin | 4.4770% | 1,251 |
| Noninterest income to average assets | 0.5247% | 4,283 |
| Noninterest expense to average assets | 3.5313% | 2,195 |
| Loan and lease loss provision to assets | 0.1032% | 6,341 |
| Net operating income to assets | 0.7185% | 3,139 |
| Return on assets (ROA) | 0.8947% | 2,514 |
| Pretax return on assets | 1.3721% | 1,766 |
| Return on Equity (ROE) | 10.1160% | 1,874 |
| Retained earnings to average equity (ytd only) | 9.1432% | 806 |
| Net charge-offs to loans | 0.2404% | 4,550 |
| Credit loss provision to net charge-offs | 61.5385% | 6,146 |
| Earnings coverage of net charge-offs (x) | 7.1792% | 2,458 |
| Efficiency ratio | 74.5686% | 3,771 |
| Assets per employee ($millions) | 3.1733% | 5,718 |
| Cash dividends to net income (ytd only)* | 9.6167% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,166 |
| Loan loss allowance to noncurrent loans | 252.8302% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 6,512 |
| Noncurrent loans to loans | 0.4711% | 6,378 |
| Net loans and leases to total assets | 70.0659% | 3,498 |
| Net loans and leases to deposits | 83.6557% | 3,701 |
| Net loans and leases to core deposits | 113.7056% | 2,863 |
| Total domestic deposits to total assets | 83.7551% | 3,838 |
| Equity capital to assets | 9.1892% | 5,186 |
| Core capital (leverage) ratio | 8.8497% | 4,893 |
| Tier 1 risk-based capital ratio | 12.3529% | 4,667 |
| Total risk-based capital ratio | 13.5386% | 4,659 |
| Memoranda: | ||
| Average total assets | $30,998,000 | 7,504 |
| Average earning assets | $29,155,750 | 7,455 |
| Average equity | $2,741,500 | 7,734 |
| Average total loans | $21,632,250 | 7,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2910% | 1,229 |
| Cost of funding earning assets | 1.8776% | 4,380 |
| Net interest margin | 4.4134% | 1,382 |
| Noninterest income to average assets | 0.3772% | 5,487 |
| Noninterest expense to average assets | 3.6419% | 1,966 |
| Loan and lease loss provision to assets | 0.0845% | 6,330 |
| Net operating income to assets | 0.5437% | 3,913 |
| Return on assets (ROA) | 0.6764% | 3,472 |
| Pretax return on assets | 0.9885% | 3,050 |
| Return on Equity (ROE) | 7.7516% | 2,869 |
| Retained earnings to average equity (ytd only) | 7.7516% | 1,293 |
| Net charge-offs to loans | 0.1687% | 4,538 |
| Credit loss provision to net charge-offs | 72.2222% | 5,380 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,435 |
| Efficiency ratio | 80.5755% | 2,953 |
| Assets per employee ($millions) | 3.0573% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,450 |
| Loan loss allowance to noncurrent loans | 122.4670% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 5,192 |
| Noncurrent loans to loans | 1.0386% | 5,143 |
| Net loans and leases to total assets | 70.5786% | 3,555 |
| Net loans and leases to deposits | 80.4699% | 4,473 |
| Net loans and leases to core deposits | 106.9065% | 3,730 |
| Total domestic deposits to total assets | 87.7081% | 1,925 |
| Equity capital to assets | 8.8771% | 5,485 |
| Core capital (leverage) ratio | 8.5642% | 5,324 |
| Tier 1 risk-based capital ratio | 12.4787% | 4,536 |
| Total risk-based capital ratio | 13.7275% | 4,463 |
| Memoranda: | ||
| Average total assets | $30,753,000 | 7,577 |
| Average earning assets | $28,866,670 | 7,535 |
| Average equity | $2,683,330 | 7,824 |
| Average total loans | $21,342,330 | 7,251 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2903% | 1,327 |
| Cost of funding earning assets | 1.8940% | 4,655 |
| Net interest margin | 4.3963% | 1,349 |
| Noninterest income to average assets | 0.3891% | 5,306 |
| Noninterest expense to average assets | 3.5016% | 2,097 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7554% | 3,328 |
| Return on assets (ROA) | 0.9597% | 2,607 |
| Pretax return on assets | 1.2839% | 2,334 |
| Return on Equity (ROE) | 11.0945% | 1,939 |
| Retained earnings to average equity (ytd only) | 11.0945% | 949 |
| Net charge-offs to loans | -0.0190% | 7,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5862% | 3,240 |
| Assets per employee ($millions) | 3.1751% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,565 |
| Loan loss allowance to noncurrent loans | 29.4606% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 3.0834% | 1,831 |
| Noncurrent loans to loans | 4.7121% | 1,185 |
| Net loans and leases to total assets | 63.5382% | 5,064 |
| Net loans and leases to deposits | 73.6439% | 5,530 |
| Net loans and leases to core deposits | 100.7390% | 4,468 |
| Total domestic deposits to total assets | 86.2776% | 2,570 |
| Equity capital to assets | 8.5163% | 6,052 |
| Core capital (leverage) ratio | 8.4957% | 5,546 |
| Tier 1 risk-based capital ratio | 12.9409% | 4,216 |
| Total risk-based capital ratio | 14.1925% | 4,144 |
| Memoranda: | ||
| Average total assets | $30,843,000 | 7,612 |
| Average earning assets | $28,933,500 | 7,572 |
| Average equity | $2,668,000 | 7,877 |
| Average total loans | $21,085,500 | 7,304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0994% | 917 |
| Cost of funding earning assets | 2.5686% | 3,858 |
| Net interest margin | 4.5308% | 1,348 |
| Noninterest income to average assets | 0.5692% | 4,087 |
| Noninterest expense to average assets | 3.7781% | 1,799 |
| Loan and lease loss provision to assets | 0.1831% | 5,064 |
| Net operating income to assets | 0.6173% | 4,234 |
| Return on assets (ROA) | 0.6325% | 4,023 |
| Pretax return on assets | 0.8322% | 3,952 |
| Return on Equity (ROE) | 7.5295% | 3,269 |
| Retained earnings to average equity (ytd only) | 4.3592% | 2,407 |
| Net charge-offs to loans | 0.4733% | 2,466 |
| Credit loss provision to net charge-offs | 53.9216% | 6,306 |
| Earnings coverage of net charge-offs (x) | 2.9314% | 4,617 |
| Efficiency ratio | 79.1492% | 2,730 |
| Assets per employee ($millions) | 2.9935% | 6,063 |
| Cash dividends to net income (ytd only)* | 42.1053% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 3,757 |
| Loan loss allowance to noncurrent loans | 157.2222% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 5,072 |
| Noncurrent loans to loans | 0.8290% | 4,980 |
| Net loans and leases to total assets | 71.5884% | 3,674 |
| Net loans and leases to deposits | 84.3900% | 4,364 |
| Net loans and leases to core deposits | 112.2342% | 3,541 |
| Total domestic deposits to total assets | 84.8305% | 2,922 |
| Equity capital to assets | 8.7924% | 5,667 |
| Core capital (leverage) ratio | 8.6971% | 5,202 |
| Tier 1 risk-based capital ratio | 12.2871% | 4,594 |
| Total risk-based capital ratio | 13.5375% | 4,479 |
| Memoranda: | ||
| Average total assets | $30,041,200 | 7,649 |
| Average earning assets | $27,875,600 | 7,620 |
| Average equity | $2,523,400 | 7,973 |
| Average total loans | $21,550,600 | 7,222 |