Home > The Bank of Edison > Performance and Condition Ratios
The Bank of Edison, 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 | 5.8855% | 736 |
| Cost of funding earning assets | 1.4848% | 1,978 |
| Net interest margin | 4.4007% | 707 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.8282% | 419 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8135% | 2,831 |
| Return on assets (ROA) | 0.8285% | 2,758 |
| Pretax return on assets | 0.8285% | 3,143 |
| Return on Equity (ROE) | 26.0900% | 278 |
| Retained earnings to average equity (ytd only) | 5.2262% | 2,522 |
| Net charge-offs to loans | 0.0784% | 1,081 |
| Credit loss provision to net charge-offs | 150.0000% | 1,474 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,803 |
| Efficiency ratio | 81.4708% | 812 |
| Assets per employee ($millions) | 5.7443% | 3,029 |
| Cash dividends to net income (ytd only)* | 79.9672% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,175 |
| Loan loss allowance to noncurrent loans | 374.1497% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 2,239 |
| Noncurrent loans to loans | 0.3901% | 1,814 |
| Net loans and leases to total assets | 49.7300% | 3,616 |
| Net loans and leases to deposits | 52.5626% | 3,855 |
| Net loans and leases to core deposits | 56.9012% | 3,879 |
| Total domestic deposits to total assets | 94.6100% | 74 |
| Equity capital to assets | 3.7643% | 4,510 |
| Core capital (leverage) ratio | 8.6526% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1488% | 1,058 |
| Memoranda: | ||
| Average total assets | $73,506,800 | 4,086 |
| Average earning assets | $68,830,400 | 4,048 |
| Average equity | $2,334,400 | 4,469 |
| Average total loans | $35,693,000 | 4,056 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6414% | 863 |
| Cost of funding earning assets | 1.3041% | 2,134 |
| Net interest margin | 4.3373% | 763 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.6677% | 460 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7922% | 3,045 |
| Return on assets (ROA) | 0.8122% | 2,980 |
| Pretax return on assets | 0.8122% | 3,303 |
| Return on Equity (ROE) | 26.8400% | 313 |
| Retained earnings to average equity (ytd only) | 6.8614% | 2,340 |
| Net charge-offs to loans | 0.0947% | 819 |
| Credit loss provision to net charge-offs | 116.0000% | 1,509 |
| Earnings coverage of net charge-offs (x) | 18.5600% | 1,857 |
| Efficiency ratio | 81.2752% | 784 |
| Assets per employee ($millions) | 5.8696% | 2,865 |
| Cash dividends to net income (ytd only)* | 74.4395% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 1,697 |
| Loan loss allowance to noncurrent loans | 133.9950% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 1,106 |
| Noncurrent loans to loans | 1.0006% | 805 |
| Net loans and leases to total assets | 52.0700% | 3,490 |
| Net loans and leases to deposits | 56.5617% | 3,680 |
| Net loans and leases to core deposits | 61.9750% | 3,616 |
| Total domestic deposits to total assets | 92.0600% | 441 |
| Equity capital to assets | 2.2934% | 4,531 |
| Core capital (leverage) ratio | 8.5452% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5145% | 1,421 |
| Memoranda: | ||
| Average total assets | $73,214,500 | 4,104 |
| Average earning assets | $68,704,750 | 4,070 |
| Average equity | $2,215,250 | 4,495 |
| Average total loans | $35,194,750 | 4,085 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4307% | 920 |
| Cost of funding earning assets | 1.0838% | 2,343 |
| Net interest margin | 4.3470% | 751 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.6933% | 440 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8201% | 3,020 |
| Return on assets (ROA) | 0.8506% | 2,930 |
| Pretax return on assets | 0.8506% | 3,282 |
| Return on Equity (ROE) | 25.9000% | 340 |
| Retained earnings to average equity (ytd only) | 3.0375% | 3,468 |
| Net charge-offs to loans | 0.0298% | 1,291 |
| Credit loss provision to net charge-offs | 400.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 63.2000% | 1,173 |
| Efficiency ratio | 80.8369% | 789 |
| Assets per employee ($millions) | 5.6614% | 3,010 |
| Cash dividends to net income (ytd only)* | 88.2736% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,338 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 1,051 |
| Noncurrent loans to loans | 1.0023% | 754 |
| Net loans and leases to total assets | 50.7700% | 3,504 |
| Net loans and leases to deposits | 54.0803% | 3,743 |
| Net loans and leases to core deposits | 59.0160% | 3,678 |
| Total domestic deposits to total assets | 93.8700% | 160 |
| Equity capital to assets | 3.0762% | 4,566 |
| Core capital (leverage) ratio | 8.7759% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1516% | 1,285 |
| Memoranda: | ||
| Average total assets | $72,184,333 | 4,127 |
| Average earning assets | $67,909,667 | 4,098 |
| Average equity | $2,370,333 | 4,516 |
| Average total loans | $33,501,667 | 4,119 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 682 |
| Cost of funding earning assets | 0.9128% | 2,328 |
| Net interest margin | 4.5223% | 568 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 3.7159% | 437 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8786% | 2,926 |
| Return on assets (ROA) | 0.9402% | 2,673 |
| Pretax return on assets | 0.9402% | 3,151 |
| Return on Equity (ROE) | 27.7300% | 302 |
| Retained earnings to average equity (ytd only) | -7.0972% | 4,403 |
| Net charge-offs to loans | -0.0511% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.0000% | 834 |
| Assets per employee ($millions) | 5.5144% | 3,207 |
| Cash dividends to net income (ytd only)* | 125.5952% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 827 |
| Loan loss allowance to noncurrent loans | 1,444.7368% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,253 |
| Noncurrent loans to loans | 0.1170% | 2,932 |
| Net loans and leases to total assets | 44.5400% | 3,841 |
| Net loans and leases to deposits | 46.1799% | 4,034 |
| Net loans and leases to core deposits | 50.5501% | 3,971 |
| Total domestic deposits to total assets | 96.4600% | 39 |
| Equity capital to assets | 3.3032% | 4,583 |
| Core capital (leverage) ratio | 8.5602% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7382% | 1,034 |
| Memoranda: | ||
| Average total assets | $71,477,500 | 4,187 |
| Average earning assets | $67,487,500 | 4,158 |
| Average equity | $2,423,500 | 4,579 |
| Average total loans | $31,295,500 | 4,207 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 1,217 |
| Cost of funding earning assets | 0.4436% | 1,766 |
| Net interest margin | 3.7694% | 1,225 |
| Noninterest income to average assets | 1.6500% | 310 |
| Noninterest expense to average assets | 4.1002% | 310 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.9726% | 2,665 |
| Return on assets (ROA) | 0.9697% | 2,619 |
| Pretax return on assets | 0.9697% | 3,158 |
| Return on Equity (ROE) | 20.5100% | 432 |
| Retained earnings to average equity (ytd only) | -0.1192% | 4,371 |
| Net charge-offs to loans | 0.2248% | 359 |
| Credit loss provision to net charge-offs | 148.5294% | 1,308 |
| Earnings coverage of net charge-offs (x) | 11.6324% | 2,144 |
| Efficiency ratio | 78.6216% | 814 |
| Assets per employee ($millions) | 5.4822% | 3,238 |
| Cash dividends to net income (ytd only)* | 100.5814% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,124 |
| Loan loss allowance to noncurrent loans | 718.7500% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 2,921 |
| Noncurrent loans to loans | 0.2126% | 2,426 |
| Net loans and leases to total assets | 41.6000% | 4,001 |
| Net loans and leases to deposits | 43.1361% | 4,144 |
| Net loans and leases to core deposits | 46.4646% | 4,102 |
| Total domestic deposits to total assets | 96.4500% | 67 |
| Equity capital to assets | 3.4784% | 4,571 |
| Core capital (leverage) ratio | 8.8323% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6203% | 882 |
| Memoranda: | ||
| Average total assets | $70,947,400 | 4,226 |
| Average earning assets | $67,171,800 | 4,186 |
| Average equity | $3,354,600 | 4,586 |
| Average total loans | $30,246,000 | 4,238 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,371 |
| Cost of funding earning assets | 0.3787% | 1,456 |
| Net interest margin | 3.5667% | 1,474 |
| Noninterest income to average assets | 1.4400% | 371 |
| Noninterest expense to average assets | 4.0187% | 326 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.6754% | 3,632 |
| Return on assets (ROA) | 0.6717% | 3,602 |
| Pretax return on assets | 0.6717% | 3,851 |
| Return on Equity (ROE) | 13.3200% | 1,605 |
| Retained earnings to average equity (ytd only) | -6.9398% | 4,639 |
| Net charge-offs to loans | 0.0396% | 1,098 |
| Credit loss provision to net charge-offs | 800.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 47.8889% | 1,308 |
| Efficiency ratio | 83.2100% | 595 |
| Assets per employee ($millions) | 4.1608% | 4,249 |
| Cash dividends to net income (ytd only)* | 152.1008% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,927 |
| Loan loss allowance to noncurrent loans | 527.9570% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,692 |
| Noncurrent loans to loans | 0.2505% | 2,378 |
| Net loans and leases to total assets | 51.8000% | 3,294 |
| Net loans and leases to deposits | 54.0045% | 3,602 |
| Net loans and leases to core deposits | 57.9753% | 3,504 |
| Total domestic deposits to total assets | 95.9200% | 140 |
| Equity capital to assets | 3.1216% | 4,585 |
| Core capital (leverage) ratio | 8.4653% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3733% | 1,607 |
| Memoranda: | ||
| Average total assets | $70,867,250 | 4,257 |
| Average earning assets | $67,250,000 | 4,216 |
| Average equity | $3,573,500 | 4,609 |
| Average total loans | $30,280,000 | 4,263 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 2,000 |
| Cost of funding earning assets | 0.3622% | 1,178 |
| Net interest margin | 3.1853% | 2,241 |
| Noninterest income to average assets | 0.3469% | 3,071 |
| Noninterest expense to average assets | 3.4747% | 447 |
| Loan and lease loss provision to assets | 0.0508% | 1,672 |
| Net operating income to assets | -0.1523% | 4,631 |
| Return on assets (ROA) | -0.1579% | 4,605 |
| Pretax return on assets | -0.1579% | 4,593 |
| Return on Equity (ROE) | -2.7801% | 4,637 |
| Retained earnings to average equity (ytd only) | -26.6093% | 4,743 |
| Net charge-offs to loans | 0.0357% | 1,024 |
| Credit loss provision to net charge-offs | 360.0000% | 732 |
| Earnings coverage of net charge-offs (x) | -7.2000% | 2,127 |
| Efficiency ratio | 103.0100% | 163 |
| Assets per employee ($millions) | 4.1188% | 4,307 |
| Cash dividends to net income (ytd only)* | -857.1429% | 4,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,508 |
| Loan loss allowance to noncurrent loans | 469.1489% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,771 |
| Noncurrent loans to loans | 0.3120% | 2,222 |
| Net loans and leases to total assets | 42.4022% | 3,945 |
| Net loans and leases to deposits | 43.8481% | 4,120 |
| Net loans and leases to core deposits | 47.0732% | 4,081 |
| Total domestic deposits to total assets | 96.7024% | 61 |
| Equity capital to assets | 3.0320% | 4,687 |
| Core capital (leverage) ratio | 7.9411% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7910% | 1,225 |
| Memoranda: | ||
| Average total assets | $70,911,667 | 4,300 |
| Average earning assets | $67,372,000 | 4,272 |
| Average equity | $4,028,667 | 4,617 |
| Average total loans | $27,996,000 | 4,357 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3120% | 2,351 |
| Cost of funding earning assets | 0.3568% | 1,150 |
| Net interest margin | 2.9552% | 2,651 |
| Noninterest income to average assets | 0.3532% | 2,982 |
| Noninterest expense to average assets | 3.4811% | 427 |
| Loan and lease loss provision to assets | 0.0505% | 1,466 |
| Net operating income to assets | -0.3924% | 4,687 |
| Return on assets (ROA) | -0.4036% | 4,673 |
| Pretax return on assets | -0.4036% | 4,666 |
| Return on Equity (ROE) | -5.7814% | 4,713 |
| Retained earnings to average equity (ytd only) | -39.5062% | 4,767 |
| Net charge-offs to loans | -0.1188% | 4,504 |
| Credit loss provision to net charge-offs | -112.5000% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8929% | 126 |
| Assets per employee ($millions) | 4.3111% | 4,245 |
| Cash dividends to net income (ytd only)* | -583.3333% | 4,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,269 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,969 |
| Noncurrent loans to loans | 0.3202% | 2,321 |
| Net loans and leases to total assets | 37.3153% | 4,147 |
| Net loans and leases to deposits | 39.5711% | 4,264 |
| Net loans and leases to core deposits | 42.4138% | 4,225 |
| Total domestic deposits to total assets | 94.2993% | 86 |
| Equity capital to assets | 5.5179% | 4,660 |
| Core capital (leverage) ratio | 7.8703% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5456% | 1,132 |
| Memoranda: | ||
| Average total assets | $71,357,500 | 4,323 |
| Average earning assets | $67,270,500 | 4,301 |
| Average equity | $4,981,500 | 4,562 |
| Average total loans | $26,928,500 | 4,394 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3028% | 61 |
| Cost of funding earning assets | 0.4163% | 1,426 |
| Net interest margin | 5.8865% | 56 |
| Noninterest income to average assets | 0.9247% | 1,145 |
| Noninterest expense to average assets | 4.3380% | 232 |
| Loan and lease loss provision to assets | 0.1220% | 1,010 |
| Net operating income to assets | 1.9652% | 359 |
| Return on assets (ROA) | 1.9606% | 387 |
| Pretax return on assets | 1.9606% | 652 |
| Return on Equity (ROE) | 23.7091% | 152 |
| Retained earnings to average equity (ytd only) | 22.0662% | 39 |
| Net charge-offs to loans | 0.0692% | 1,106 |
| Credit loss provision to net charge-offs | 359.0909% | 972 |
| Earnings coverage of net charge-offs (x) | 61.4545% | 1,159 |
| Efficiency ratio | 67.5156% | 2,052 |
| Assets per employee ($millions) | 5.3405% | 3,424 |
| Cash dividends to net income (ytd only)* | 6.9291% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,172 |
| Loan loss allowance to noncurrent loans | 480.8989% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 3,036 |
| Noncurrent loans to loans | 0.3415% | 2,353 |
| Net loans and leases to total assets | 36.9256% | 4,243 |
| Net loans and leases to deposits | 40.4232% | 4,326 |
| Net loans and leases to core deposits | 43.6009% | 4,283 |
| Total domestic deposits to total assets | 91.3476% | 372 |
| Equity capital to assets | 8.5256% | 4,036 |
| Core capital (leverage) ratio | 8.9563% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8192% | 571 |
| Memoranda: | ||
| Average total assets | $64,776,600 | 4,394 |
| Average earning assets | $60,528,200 | 4,377 |
| Average equity | $5,356,600 | 4,594 |
| Average total loans | $31,808,000 | 4,344 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0044% | 42 |
| Cost of funding earning assets | 0.4340% | 1,461 |
| Net interest margin | 6.5704% | 41 |
| Noninterest income to average assets | 0.8132% | 1,482 |
| Noninterest expense to average assets | 4.0137% | 278 |
| Loan and lease loss provision to assets | 0.1148% | 1,047 |
| Net operating income to assets | 2.8085% | 149 |
| Return on assets (ROA) | 2.8022% | 150 |
| Pretax return on assets | 2.8022% | 228 |
| Return on Equity (ROE) | 34.1760% | 63 |
| Retained earnings to average equity (ytd only) | 33.4092% | 19 |
| Net charge-offs to loans | 0.0963% | 757 |
| Credit loss provision to net charge-offs | 229.1667% | 1,146 |
| Earnings coverage of net charge-offs (x) | 58.1250% | 1,147 |
| Efficiency ratio | 57.8550% | 3,288 |
| Assets per employee ($millions) | 5.0514% | 3,651 |
| Cash dividends to net income (ytd only)* | 2.2438% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,569 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,723 |
| Noncurrent loans to loans | 0.0575% | 3,814 |
| Net loans and leases to total assets | 47.0320% | 3,713 |
| Net loans and leases to deposits | 52.1803% | 3,870 |
| Net loans and leases to core deposits | 56.8314% | 3,714 |
| Total domestic deposits to total assets | 90.1337% | 716 |
| Equity capital to assets | 9.4582% | 3,415 |
| Core capital (leverage) ratio | 9.4010% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0205% | 951 |
| Memoranda: | ||
| Average total assets | $63,614,250 | 4,467 |
| Average earning assets | $59,295,000 | 4,449 |
| Average equity | $5,216,000 | 4,677 |
| Average total loans | $33,244,000 | 4,370 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0819% | 92 |
| Cost of funding earning assets | 0.4499% | 1,521 |
| Net interest margin | 5.6320% | 82 |
| Noninterest income to average assets | 0.2765% | 3,755 |
| Noninterest expense to average assets | 3.7598% | 346 |
| Loan and lease loss provision to assets | 0.0953% | 1,317 |
| Net operating income to assets | 1.6336% | 977 |
| Return on assets (ROA) | 1.6240% | 1,055 |
| Pretax return on assets | 1.6240% | 1,673 |
| Return on Equity (ROE) | 20.9240% | 387 |
| Retained earnings to average equity (ytd only) | 20.3508% | 144 |
| Net charge-offs to loans | 0.1121% | 685 |
| Credit loss provision to net charge-offs | 157.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | 28.6316% | 1,333 |
| Efficiency ratio | 68.5003% | 1,818 |
| Assets per employee ($millions) | 5.0555% | 3,613 |
| Cash dividends to net income (ytd only)* | 2.7397% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,094 |
| Loan loss allowance to noncurrent loans | 2,122.2222% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 1,384 |
| Noncurrent loans to loans | 0.0434% | 3,968 |
| Net loans and leases to total assets | 62.5072% | 2,117 |
| Net loans and leases to deposits | 69.8645% | 2,423 |
| Net loans and leases to core deposits | 76.1224% | 2,228 |
| Total domestic deposits to total assets | 89.4693% | 1,046 |
| Equity capital to assets | 7.9943% | 4,540 |
| Core capital (leverage) ratio | 8.1509% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8489% | 1,159 |
| Memoranda: | ||
| Average total assets | $62,929,667 | 4,502 |
| Average earning assets | $58,238,667 | 4,494 |
| Average equity | $4,884,333 | 4,738 |
| Average total loans | $33,896,333 | 4,395 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 1,081 |
| Cost of funding earning assets | 0.4752% | 1,558 |
| Net interest margin | 3.8016% | 1,135 |
| Noninterest income to average assets | 0.2730% | 3,769 |
| Noninterest expense to average assets | 3.4583% | 497 |
| Loan and lease loss provision to assets | 0.0975% | 1,380 |
| Net operating income to assets | 0.2535% | 4,585 |
| Return on assets (ROA) | 0.2340% | 4,631 |
| Pretax return on assets | 0.2340% | 4,656 |
| Return on Equity (ROE) | 3.0642% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.0642% | 3,762 |
| Net charge-offs to loans | 0.0797% | 801 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,551 |
| Efficiency ratio | 90.7850% | 347 |
| Assets per employee ($millions) | 4.9402% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,079 |
| Loan loss allowance to noncurrent loans | 655.1724% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 1,333 |
| Noncurrent loans to loans | 0.1789% | 3,464 |
| Net loans and leases to total assets | 49.8824% | 3,637 |
| Net loans and leases to deposits | 54.1258% | 3,928 |
| Net loans and leases to core deposits | 58.6590% | 3,792 |
| Total domestic deposits to total assets | 92.1601% | 115 |
| Equity capital to assets | 7.1719% | 4,803 |
| Core capital (leverage) ratio | 7.7867% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8139% | 1,102 |
| Memoranda: | ||
| Average total assets | $61,533,500 | 4,540 |
| Average earning assets | $57,238,500 | 4,528 |
| Average equity | $4,699,500 | 4,773 |
| Average total loans | $30,113,000 | 4,488 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 1,458 |
| Cost of funding earning assets | 0.7265% | 1,579 |
| Net interest margin | 3.7156% | 1,743 |
| Noninterest income to average assets | 0.3609% | 3,305 |
| Noninterest expense to average assets | 3.1937% | 1,067 |
| Loan and lease loss provision to assets | 0.7889% | 160 |
| Net operating income to assets | -0.1342% | 4,801 |
| Return on assets (ROA) | 0.2140% | 4,613 |
| Pretax return on assets | 0.2140% | 4,642 |
| Return on Equity (ROE) | 2.4500% | 4,493 |
| Retained earnings to average equity (ytd only) | 1.0174% | 4,224 |
| Net charge-offs to loans | 1.2869% | 87 |
| Credit loss provision to net charge-offs | 118.2065% | 2,650 |
| Earnings coverage of net charge-offs (x) | 0.9810% | 3,294 |
| Efficiency ratio | 82.9877% | 693 |
| Assets per employee ($millions) | 4.5265% | 3,892 |
| Cash dividends to net income (ytd only)* | 58.4746% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,256 |
| Loan loss allowance to noncurrent loans | 687.0370% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 1,300 |
| Noncurrent loans to loans | 0.1942% | 3,512 |
| Net loans and leases to total assets | 46.6301% | 4,081 |
| Net loans and leases to deposits | 50.8073% | 4,274 |
| Net loans and leases to core deposits | 55.4940% | 4,182 |
| Total domestic deposits to total assets | 91.7783% | 89 |
| Equity capital to assets | 8.1453% | 4,643 |
| Core capital (leverage) ratio | 7.8326% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5631% | 1,389 |
| Memoranda: | ||
| Average total assets | $55,139,000 | 4,587 |
| Average earning assets | $51,754,400 | 4,563 |
| Average equity | $4,816,400 | 4,773 |
| Average total loans | $28,596,000 | 4,540 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 1,714 |
| Cost of funding earning assets | 0.7767% | 1,604 |
| Net interest margin | 3.6689% | 2,037 |
| Noninterest income to average assets | 0.3394% | 3,445 |
| Noninterest expense to average assets | 3.0718% | 1,285 |
| Loan and lease loss provision to assets | 0.3044% | 1,326 |
| Net operating income to assets | 0.4132% | 4,235 |
| Return on assets (ROA) | 0.8854% | 2,875 |
| Pretax return on assets | 0.8854% | 3,420 |
| Return on Equity (ROE) | 9.9536% | 2,031 |
| Retained earnings to average equity (ytd only) | 8.0458% | 1,292 |
| Net charge-offs to loans | 0.3658% | 432 |
| Credit loss provision to net charge-offs | 156.9620% | 2,290 |
| Earnings coverage of net charge-offs (x) | 3.6962% | 2,892 |
| Efficiency ratio | 81.0513% | 792 |
| Assets per employee ($millions) | 3.7803% | 4,492 |
| Cash dividends to net income (ytd only)* | 19.1667% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 3,745 |
| Loan loss allowance to noncurrent loans | 44.7436% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4443% | 609 |
| Noncurrent loans to loans | 2.2124% | 523 |
| Net loans and leases to total assets | 61.5589% | 3,065 |
| Net loans and leases to deposits | 67.7122% | 3,489 |
| Net loans and leases to core deposits | 74.6179% | 3,275 |
| Total domestic deposits to total assets | 90.9126% | 191 |
| Equity capital to assets | 8.8581% | 4,212 |
| Core capital (leverage) ratio | 8.6857% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1814% | 2,116 |
| Memoranda: | ||
| Average total assets | $54,212,750 | 4,618 |
| Average earning assets | $50,985,750 | 4,589 |
| Average equity | $4,822,250 | 4,801 |
| Average total loans | $28,792,500 | 4,560 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,365 |
| Cost of funding earning assets | 0.8320% | 1,668 |
| Net interest margin | 3.5071% | 2,763 |
| Noninterest income to average assets | 0.3559% | 3,346 |
| Noninterest expense to average assets | 3.1246% | 1,296 |
| Loan and lease loss provision to assets | 0.3747% | 1,114 |
| Net operating income to assets | 0.1574% | 4,626 |
| Return on assets (ROA) | 0.5133% | 4,059 |
| Pretax return on assets | 0.5133% | 4,226 |
| Return on Equity (ROE) | 5.7620% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.3646% | 3,242 |
| Net charge-offs to loans | 0.2553% | 618 |
| Credit loss provision to net charge-offs | 294.1176% | 1,636 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 2,620 |
| Efficiency ratio | 85.4508% | 565 |
| Assets per employee ($millions) | 4.3249% | 3,976 |
| Cash dividends to net income (ytd only)* | 41.6058% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 2,925 |
| Loan loss allowance to noncurrent loans | 49.2676% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 662 |
| Noncurrent loans to loans | 2.2748% | 542 |
| Net loans and leases to total assets | 58.0606% | 3,506 |
| Net loans and leases to deposits | 63.8826% | 3,893 |
| Net loans and leases to core deposits | 70.0380% | 3,705 |
| Total domestic deposits to total assets | 90.8865% | 173 |
| Equity capital to assets | 8.8539% | 4,209 |
| Core capital (leverage) ratio | 9.0966% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6154% | 1,337 |
| Memoranda: | ||
| Average total assets | $53,382,000 | 4,644 |
| Average earning assets | $50,240,333 | 4,618 |
| Average equity | $4,755,333 | 4,831 |
| Average total loans | $26,638,000 | 4,631 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,986 |
| Cost of funding earning assets | 0.8937% | 1,902 |
| Net interest margin | 3.3863% | 3,336 |
| Noninterest income to average assets | 0.4003% | 3,100 |
| Noninterest expense to average assets | 3.1947% | 1,438 |
| Loan and lease loss provision to assets | 0.1078% | 2,329 |
| Net operating income to assets | 0.2771% | 4,395 |
| Return on assets (ROA) | 0.5774% | 3,730 |
| Pretax return on assets | 0.5774% | 3,960 |
| Return on Equity (ROE) | 6.4599% | 3,147 |
| Retained earnings to average equity (ytd only) | 4.0482% | 2,661 |
| Net charge-offs to loans | 0.2559% | 574 |
| Credit loss provision to net charge-offs | 93.3333% | 1,883 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,224 |
| Efficiency ratio | 89.2473% | 524 |
| Assets per employee ($millions) | 4.4326% | 3,360 |
| Cash dividends to net income (ytd only)* | 37.3333% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,558 |
| Loan loss allowance to noncurrent loans | 194.2308% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 2,772 |
| Noncurrent loans to loans | 0.6287% | 2,415 |
| Net loans and leases to total assets | 46.0792% | 4,421 |
| Net loans and leases to deposits | 50.5465% | 4,575 |
| Net loans and leases to core deposits | 55.6818% | 4,506 |
| Total domestic deposits to total assets | 91.1620% | 92 |
| Equity capital to assets | 8.7233% | 4,721 |
| Core capital (leverage) ratio | 8.9736% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4982% | 1,068 |
| Memoranda: | ||
| Average total assets | $51,961,000 | 4,682 |
| Average earning assets | $48,784,500 | 4,657 |
| Average equity | $4,644,000 | 4,881 |
| Average total loans | $23,450,000 | 4,734 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 2,104 |
| Cost of funding earning assets | 0.9337% | 2,042 |
| Net interest margin | 3.8465% | 2,352 |
| Noninterest income to average assets | 0.4028% | 3,279 |
| Noninterest expense to average assets | 3.2026% | 1,512 |
| Loan and lease loss provision to assets | 0.0725% | 2,550 |
| Net operating income to assets | 0.7372% | 3,742 |
| Return on assets (ROA) | 0.8802% | 3,369 |
| Pretax return on assets | 0.8802% | 3,795 |
| Return on Equity (ROE) | 9.7180% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.9139% | 3,010 |
| Net charge-offs to loans | 0.1731% | 1,168 |
| Credit loss provision to net charge-offs | 90.0000% | 2,654 |
| Earnings coverage of net charge-offs (x) | 10.0500% | 2,602 |
| Efficiency ratio | 79.8193% | 962 |
| Assets per employee ($millions) | 3.3821% | 4,578 |
| Cash dividends to net income (ytd only)* | 59.7254% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 1,604 |
| Loan loss allowance to noncurrent loans | 278.8991% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 2,943 |
| Noncurrent loans to loans | 0.4935% | 2,705 |
| Net loans and leases to total assets | 42.9382% | 4,641 |
| Net loans and leases to deposits | 47.3153% | 4,760 |
| Net loans and leases to core deposits | 51.8989% | 4,709 |
| Total domestic deposits to total assets | 90.7492% | 156 |
| Equity capital to assets | 9.1621% | 4,604 |
| Core capital (leverage) ratio | 9.1148% | 4,434 |
| Tier 1 risk-based capital ratio | 19.1923% | 1,480 |
| Total risk-based capital ratio | 20.4435% | 1,447 |
| Memoranda: | ||
| Average total assets | $49,646,600 | 4,758 |
| Average earning assets | $46,587,800 | 4,737 |
| Average equity | $4,496,800 | 4,943 |
| Average total loans | $23,107,600 | 4,804 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 2,144 |
| Cost of funding earning assets | 0.9163% | 2,156 |
| Net interest margin | 3.8754% | 2,346 |
| Noninterest income to average assets | 0.4131% | 3,239 |
| Noninterest expense to average assets | 3.1567% | 1,565 |
| Loan and lease loss provision to assets | 0.0729% | 2,425 |
| Net operating income to assets | 0.8155% | 3,623 |
| Return on assets (ROA) | 1.0072% | 3,038 |
| Pretax return on assets | 1.0072% | 3,577 |
| Return on Equity (ROE) | 11.1532% | 1,952 |
| Retained earnings to average equity (ytd only) | 8.5817% | 1,176 |
| Net charge-offs to loans | 0.0970% | 1,502 |
| Credit loss provision to net charge-offs | 158.8235% | 1,565 |
| Earnings coverage of net charge-offs (x) | 19.3498% | 2,005 |
| Efficiency ratio | 78.0374% | 1,102 |
| Assets per employee ($millions) | 3.3400% | 4,637 |
| Cash dividends to net income (ytd only)* | 23.0556% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,113 |
| Loan loss allowance to noncurrent loans | 220.8333% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 2,717 |
| Noncurrent loans to loans | 0.5755% | 2,572 |
| Net loans and leases to total assets | 49.3094% | 4,463 |
| Net loans and leases to deposits | 54.9234% | 4,596 |
| Net loans and leases to core deposits | 60.8083% | 4,503 |
| Total domestic deposits to total assets | 89.7784% | 344 |
| Equity capital to assets | 9.4671% | 4,485 |
| Core capital (leverage) ratio | 9.5633% | 4,102 |
| Tier 1 risk-based capital ratio | 17.9625% | 1,833 |
| Total risk-based capital ratio | 19.1668% | 1,788 |
| Memoranda: | ||
| Average total assets | $49,375,500 | 4,827 |
| Average earning assets | $46,274,000 | 4,811 |
| Average equity | $4,459,000 | 5,016 |
| Average total loans | $23,362,750 | 4,867 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 2,350 |
| Cost of funding earning assets | 0.8930% | 2,184 |
| Net interest margin | 3.8106% | 2,551 |
| Noninterest income to average assets | 0.4233% | 3,109 |
| Noninterest expense to average assets | 3.1994% | 1,506 |
| Loan and lease loss provision to assets | 0.0733% | 2,349 |
| Net operating income to assets | 0.7286% | 3,899 |
| Return on assets (ROA) | 0.8914% | 3,383 |
| Pretax return on assets | 0.8914% | 3,870 |
| Return on Equity (ROE) | 10.0359% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.4238% | 1,636 |
| Net charge-offs to loans | 0.0175% | 2,526 |
| Credit loss provision to net charge-offs | 900.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 704 |
| Efficiency ratio | 79.9593% | 965 |
| Assets per employee ($millions) | 3.3488% | 4,663 |
| Cash dividends to net income (ytd only)* | 26.0274% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,808 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,805 |
| Noncurrent loans to loans | 0.5254% | 2,705 |
| Net loans and leases to total assets | 47.0995% | 4,596 |
| Net loans and leases to deposits | 52.0264% | 4,738 |
| Net loans and leases to core deposits | 57.4708% | 4,662 |
| Total domestic deposits to total assets | 90.5299% | 188 |
| Equity capital to assets | 9.3148% | 4,564 |
| Core capital (leverage) ratio | 9.4011% | 4,246 |
| Tier 1 risk-based capital ratio | 18.6441% | 1,634 |
| Total risk-based capital ratio | 19.8921% | 1,594 |
| Memoranda: | ||
| Average total assets | $49,134,000 | 4,865 |
| Average earning assets | $46,134,670 | 4,850 |
| Average equity | $4,364,330 | 5,060 |
| Average total loans | $22,809,670 | 4,922 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 2,280 |
| Cost of funding earning assets | 0.8701% | 2,153 |
| Net interest margin | 3.8143% | 2,472 |
| Noninterest income to average assets | 0.4199% | 3,056 |
| Noninterest expense to average assets | 3.2191% | 1,453 |
| Loan and lease loss provision to assets | 0.0741% | 2,193 |
| Net operating income to assets | 0.6998% | 3,933 |
| Return on assets (ROA) | 0.7574% | 3,800 |
| Pretax return on assets | 0.7574% | 4,156 |
| Return on Equity (ROE) | 8.7473% | 2,922 |
| Retained earnings to average equity (ytd only) | 6.0851% | 2,425 |
| Net charge-offs to loans | 0.2160% | 651 |
| Credit loss provision to net charge-offs | 75.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,113 |
| Efficiency ratio | 80.6186% | 996 |
| Assets per employee ($millions) | 3.2757% | 4,762 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,698 |
| Loan loss allowance to noncurrent loans | 163.9785% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 2,548 |
| Noncurrent loans to loans | 0.8504% | 1,936 |
| Net loans and leases to total assets | 43.8925% | 4,754 |
| Net loans and leases to deposits | 48.2063% | 4,875 |
| Net loans and leases to core deposits | 52.9654% | 4,811 |
| Total domestic deposits to total assets | 91.0514% | 163 |
| Equity capital to assets | 8.8306% | 4,804 |
| Core capital (leverage) ratio | 9.2069% | 4,464 |
| Tier 1 risk-based capital ratio | 19.6822% | 1,403 |
| Total risk-based capital ratio | 20.9327% | 1,381 |
| Memoranda: | ||
| Average total assets | $48,585,000 | 4,926 |
| Average earning assets | $45,512,500 | 4,909 |
| Average equity | $4,207,000 | 5,123 |
| Average total loans | $22,223,000 | 4,989 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,932 |
| Cost of funding earning assets | 0.7385% | 1,857 |
| Net interest margin | 3.9300% | 2,226 |
| Noninterest income to average assets | 0.5383% | 2,619 |
| Noninterest expense to average assets | 3.2944% | 1,336 |
| Loan and lease loss provision to assets | 0.1830% | 1,063 |
| Net operating income to assets | 0.7278% | 4,044 |
| Return on assets (ROA) | 0.7278% | 4,050 |
| Pretax return on assets | 0.7278% | 4,346 |
| Return on Equity (ROE) | 8.4038% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.4560% | 3,683 |
| Net charge-offs to loans | 0.2584% | 751 |
| Credit loss provision to net charge-offs | 139.3443% | 1,936 |
| Earnings coverage of net charge-offs (x) | 6.9344% | 3,034 |
| Efficiency ratio | 78.3410% | 1,100 |
| Assets per employee ($millions) | 3.2023% | 4,833 |
| Cash dividends to net income (ytd only)* | 58.8757% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,753 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 2,277 |
| Noncurrent loans to loans | 0.9126% | 1,758 |
| Net loans and leases to total assets | 46.3526% | 4,720 |
| Net loans and leases to deposits | 50.6944% | 4,866 |
| Net loans and leases to core deposits | 55.6486% | 4,792 |
| Total domestic deposits to total assets | 91.4352% | 128 |
| Equity capital to assets | 8.4836% | 4,943 |
| Core capital (leverage) ratio | 9.5091% | 4,103 |
| Tier 1 risk-based capital ratio | 18.7797% | 1,553 |
| Total risk-based capital ratio | 20.0319% | 1,517 |
| Memoranda: | ||
| Average total assets | $46,441,800 | 5,005 |
| Average earning assets | $43,332,800 | 4,985 |
| Average equity | $4,022,000 | 5,174 |
| Average total loans | $23,607,400 | 4,982 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,932 |
| Cost of funding earning assets | 0.7086% | 1,800 |
| Net interest margin | 3.9083% | 2,269 |
| Noninterest income to average assets | 0.5589% | 2,526 |
| Noninterest expense to average assets | 3.2895% | 1,323 |
| Loan and lease loss provision to assets | 0.1882% | 951 |
| Net operating income to assets | 0.7384% | 4,114 |
| Return on assets (ROA) | 0.7384% | 4,123 |
| Pretax return on assets | 0.7384% | 4,447 |
| Return on Equity (ROE) | 8.4812% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.6541% | 2,852 |
| Net charge-offs to loans | 0.3408% | 488 |
| Credit loss provision to net charge-offs | 106.5574% | 2,171 |
| Earnings coverage of net charge-offs (x) | 5.2460% | 2,972 |
| Efficiency ratio | 78.0220% | 1,120 |
| Assets per employee ($millions) | 3.6316% | 4,392 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,975 |
| Loan loss allowance to noncurrent loans | 126.8722% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 2,209 |
| Noncurrent loans to loans | 0.8973% | 1,905 |
| Net loans and leases to total assets | 52.9749% | 4,423 |
| Net loans and leases to deposits | 61.0372% | 4,493 |
| Net loans and leases to core deposits | 66.4753% | 4,385 |
| Total domestic deposits to total assets | 86.7912% | 1,827 |
| Equity capital to assets | 8.3476% | 5,011 |
| Core capital (leverage) ratio | 9.6694% | 3,975 |
| Tier 1 risk-based capital ratio | 17.5018% | 1,929 |
| Total risk-based capital ratio | 18.6221% | 1,926 |
| Memoranda: | ||
| Average total assets | $46,043,750 | 5,070 |
| Average earning assets | $43,087,000 | 5,047 |
| Average equity | $4,008,750 | 5,241 |
| Average total loans | $23,865,750 | 5,031 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 2,128 |
| Cost of funding earning assets | 0.6404% | 1,985 |
| Net interest margin | 3.8471% | 2,397 |
| Noninterest income to average assets | 0.5519% | 2,568 |
| Noninterest expense to average assets | 3.2543% | 1,427 |
| Loan and lease loss provision to assets | 0.1314% | 1,509 |
| Net operating income to assets | 0.7709% | 3,953 |
| Return on assets (ROA) | 0.7709% | 3,958 |
| Pretax return on assets | 0.7709% | 4,335 |
| Return on Equity (ROE) | 8.7136% | 3,162 |
| Retained earnings to average equity (ytd only) | 5.9411% | 2,591 |
| Net charge-offs to loans | -0.0342% | 4,787 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2929% | 1,174 |
| Assets per employee ($millions) | 3.1037% | 5,016 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,121 |
| Loan loss allowance to noncurrent loans | 98.7578% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 1,665 |
| Noncurrent loans to loans | 1.3259% | 1,281 |
| Net loans and leases to total assets | 51.4799% | 4,508 |
| Net loans and leases to deposits | 58.4219% | 4,618 |
| Net loans and leases to core deposits | 63.9444% | 4,492 |
| Total domestic deposits to total assets | 88.1175% | 1,318 |
| Equity capital to assets | 8.4951% | 4,942 |
| Core capital (leverage) ratio | 9.7839% | 3,806 |
| Tier 1 risk-based capital ratio | 18.2026% | 1,751 |
| Total risk-based capital ratio | 19.4543% | 1,703 |
| Memoranda: | ||
| Average total assets | $45,663,330 | 5,135 |
| Average earning assets | $42,785,670 | 5,112 |
| Average equity | $4,039,670 | 5,295 |
| Average total loans | $23,396,670 | 5,107 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,175 |
| Cost of funding earning assets | 0.6295% | 1,849 |
| Net interest margin | 3.7772% | 2,515 |
| Noninterest income to average assets | 0.5219% | 2,674 |
| Noninterest expense to average assets | 3.3350% | 1,280 |
| Loan and lease loss provision to assets | 0.1327% | 1,423 |
| Net operating income to assets | 0.6104% | 4,396 |
| Return on assets (ROA) | 0.6104% | 4,401 |
| Pretax return on assets | 0.6104% | 4,663 |
| Return on Equity (ROE) | 6.7614% | 3,873 |
| Retained earnings to average equity (ytd only) | 4.0176% | 3,587 |
| Net charge-offs to loans | -0.0349% | 4,808 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7787% | 969 |
| Assets per employee ($millions) | 3.4801% | 4,683 |
| Cash dividends to net income (ytd only)* | 40.5797% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,485 |
| Loan loss allowance to noncurrent loans | 116.2162% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.7891% | 2,000 |
| Noncurrent loans to loans | 1.0802% | 1,699 |
| Net loans and leases to total assets | 52.3309% | 4,414 |
| Net loans and leases to deposits | 57.4538% | 4,616 |
| Net loans and leases to core deposits | 62.8417% | 4,502 |
| Total domestic deposits to total assets | 91.0833% | 291 |
| Equity capital to assets | 8.7995% | 4,741 |
| Core capital (leverage) ratio | 9.4989% | 4,069 |
| Tier 1 risk-based capital ratio | 18.2163% | 1,767 |
| Total risk-based capital ratio | 19.4666% | 1,728 |
| Memoranda: | ||
| Average total assets | $45,217,000 | 5,205 |
| Average earning assets | $42,571,000 | 5,171 |
| Average equity | $4,082,000 | 5,345 |
| Average total loans | $22,952,500 | 5,176 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 1,935 |
| Cost of funding earning assets | 0.6088% | 1,535 |
| Net interest margin | 3.8224% | 2,347 |
| Noninterest income to average assets | 0.4966% | 3,022 |
| Noninterest expense to average assets | 3.2693% | 1,436 |
| Loan and lease loss provision to assets | 0.1483% | 1,530 |
| Net operating income to assets | 0.6763% | 3,699 |
| Return on assets (ROA) | 0.6831% | 3,722 |
| Pretax return on assets | 0.6831% | 4,549 |
| Return on Equity (ROE) | 7.3292% | 3,106 |
| Retained earnings to average equity (ytd only) | 2.5556% | 3,794 |
| Net charge-offs to loans | 0.2652% | 980 |
| Credit loss provision to net charge-offs | 108.1967% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.0164% | 3,239 |
| Efficiency ratio | 79.8573% | 1,117 |
| Assets per employee ($millions) | 3.4764% | 4,733 |
| Cash dividends to net income (ytd only)* | 65.1316% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,240 |
| Loan loss allowance to noncurrent loans | 117.8423% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 2,090 |
| Noncurrent loans to loans | 1.0990% | 1,612 |
| Net loans and leases to total assets | 47.8946% | 4,774 |
| Net loans and leases to deposits | 52.8249% | 4,940 |
| Net loans and leases to core deposits | 56.4348% | 4,920 |
| Total domestic deposits to total assets | 90.6667% | 344 |
| Equity capital to assets | 9.2559% | 4,470 |
| Core capital (leverage) ratio | 9.4754% | 4,078 |
| Tier 1 risk-based capital ratio | 19.8106% | 1,357 |
| Total risk-based capital ratio | 21.0594% | 1,322 |
| Memoranda: | ||
| Average total assets | $44,505,000 | 5,262 |
| Average earning assets | $41,884,400 | 5,235 |
| Average equity | $4,147,800 | 5,405 |
| Average total loans | $23,004,200 | 5,223 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,038 |
| Cost of funding earning assets | 0.6021% | 1,517 |
| Net interest margin | 3.7722% | 2,498 |
| Noninterest income to average assets | 0.5022% | 3,020 |
| Noninterest expense to average assets | 3.2481% | 1,460 |
| Loan and lease loss provision to assets | 0.1534% | 1,357 |
| Net operating income to assets | 0.6617% | 4,150 |
| Return on assets (ROA) | 0.6707% | 4,175 |
| Pretax return on assets | 0.6707% | 4,678 |
| Return on Equity (ROE) | 7.1836% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.4455% | 3,253 |
| Net charge-offs to loans | 0.3266% | 642 |
| Credit loss provision to net charge-offs | 89.4737% | 2,468 |
| Earnings coverage of net charge-offs (x) | 4.7542% | 3,185 |
| Efficiency ratio | 79.9408% | 1,113 |
| Assets per employee ($millions) | 3.4541% | 4,794 |
| Cash dividends to net income (ytd only)* | 38.1159% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,541 |
| Loan loss allowance to noncurrent loans | 135.8209% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 2,379 |
| Noncurrent loans to loans | 0.8029% | 2,351 |
| Net loans and leases to total assets | 55.1433% | 4,310 |
| Net loans and leases to deposits | 63.6562% | 4,403 |
| Net loans and leases to core deposits | 65.9660% | 4,483 |
| Total domestic deposits to total assets | 86.6267% | 2,033 |
| Equity capital to assets | 9.6051% | 4,340 |
| Core capital (leverage) ratio | 9.7016% | 3,934 |
| Tier 1 risk-based capital ratio | 17.5715% | 1,988 |
| Total risk-based capital ratio | 18.6710% | 1,982 |
| Memoranda: | ||
| Average total assets | $44,333,000 | 5,321 |
| Average earning assets | $41,848,750 | 5,291 |
| Average equity | $4,139,000 | 5,463 |
| Average total loans | $23,273,000 | 5,269 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 2,392 |
| Cost of funding earning assets | 0.5846% | 1,545 |
| Net interest margin | 3.6368% | 2,886 |
| Noninterest income to average assets | 0.5165% | 2,920 |
| Noninterest expense to average assets | 3.3482% | 1,276 |
| Loan and lease loss provision to assets | 0.1495% | 1,357 |
| Net operating income to assets | 0.4576% | 4,834 |
| Return on assets (ROA) | 0.4576% | 4,858 |
| Pretax return on assets | 0.4576% | 5,072 |
| Return on Equity (ROE) | 4.9498% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.2053% | 4,355 |
| Net charge-offs to loans | 0.2997% | 675 |
| Credit loss provision to net charge-offs | 97.0588% | 2,069 |
| Earnings coverage of net charge-offs (x) | 3.9412% | 2,991 |
| Efficiency ratio | 84.6506% | 790 |
| Assets per employee ($millions) | 3.4862% | 4,738 |
| Cash dividends to net income (ytd only)* | 55.4455% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,292 |
| Loan loss allowance to noncurrent loans | 139.0000% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 2,218 |
| Noncurrent loans to loans | 0.8303% | 2,327 |
| Net loans and leases to total assets | 52.5397% | 4,522 |
| Net loans and leases to deposits | 60.2231% | 4,608 |
| Net loans and leases to core deposits | 62.3667% | 4,698 |
| Total domestic deposits to total assets | 87.2418% | 1,835 |
| Equity capital to assets | 9.2785% | 4,645 |
| Core capital (leverage) ratio | 9.6441% | 3,967 |
| Tier 1 risk-based capital ratio | 17.5249% | 2,001 |
| Total risk-based capital ratio | 18.6656% | 1,993 |
| Memoranda: | ||
| Average total assets | $44,143,000 | 5,366 |
| Average earning assets | $41,740,000 | 5,332 |
| Average equity | $4,081,000 | 5,516 |
| Average total loans | $22,686,000 | 5,331 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,259 |
| Cost of funding earning assets | 0.5802% | 1,511 |
| Net interest margin | 3.6263% | 2,795 |
| Noninterest income to average assets | 0.5143% | 2,881 |
| Noninterest expense to average assets | 3.4991% | 1,045 |
| Loan and lease loss provision to assets | 0.2204% | 720 |
| Net operating income to assets | 0.2388% | 5,326 |
| Return on assets (ROA) | 0.2388% | 5,338 |
| Pretax return on assets | 0.2388% | 5,391 |
| Return on Equity (ROE) | 2.5877% | 5,208 |
| Retained earnings to average equity (ytd only) | -0.1991% | 4,950 |
| Net charge-offs to loans | 0.6368% | 282 |
| Credit loss provision to net charge-offs | 68.5714% | 1,851 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 2,733 |
| Efficiency ratio | 88.3991% | 641 |
| Assets per employee ($millions) | 2.9567% | 5,388 |
| Cash dividends to net income (ytd only)* | 107.6923% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,110 |
| Loan loss allowance to noncurrent loans | 182.8767% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 2,566 |
| Noncurrent loans to loans | 0.6587% | 2,855 |
| Net loans and leases to total assets | 49.3754% | 4,726 |
| Net loans and leases to deposits | 54.4171% | 4,909 |
| Net loans and leases to core deposits | 56.3278% | 4,961 |
| Total domestic deposits to total assets | 90.7351% | 380 |
| Equity capital to assets | 9.1274% | 4,684 |
| Core capital (leverage) ratio | 9.5392% | 4,071 |
| Tier 1 risk-based capital ratio | 18.8856% | 1,642 |
| Total risk-based capital ratio | 20.0796% | 1,610 |
| Memoranda: | ||
| Average total assets | $43,554,500 | 5,431 |
| Average earning assets | $41,365,000 | 5,400 |
| Average equity | $4,019,000 | 5,583 |
| Average total loans | $21,984,500 | 5,406 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,014 |
| Cost of funding earning assets | 0.6196% | 1,214 |
| Net interest margin | 3.7199% | 2,610 |
| Noninterest income to average assets | 0.6127% | 2,596 |
| Noninterest expense to average assets | 3.3771% | 1,409 |
| Loan and lease loss provision to assets | 0.0836% | 2,687 |
| Net operating income to assets | 0.6638% | 3,933 |
| Return on assets (ROA) | 0.7172% | 3,817 |
| Pretax return on assets | 0.7172% | 4,434 |
| Return on Equity (ROE) | 7.4101% | 3,261 |
| Retained earnings to average equity (ytd only) | 3.9808% | 3,087 |
| Net charge-offs to loans | 0.1394% | 1,859 |
| Credit loss provision to net charge-offs | 120.0000% | 2,211 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 2,608 |
| Efficiency ratio | 81.8796% | 1,213 |
| Assets per employee ($millions) | 2.8506% | 5,454 |
| Cash dividends to net income (ytd only)* | 46.2783% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,676 |
| Loan loss allowance to noncurrent loans | 135.6098% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 2,420 |
| Noncurrent loans to loans | 0.9402% | 2,208 |
| Net loans and leases to total assets | 50.3426% | 4,741 |
| Net loans and leases to deposits | 55.7986% | 4,921 |
| Net loans and leases to core deposits | 57.7043% | 4,987 |
| Total domestic deposits to total assets | 90.2219% | 551 |
| Equity capital to assets | 9.3314% | 4,440 |
| Core capital (leverage) ratio | 9.2572% | 4,396 |
| Tier 1 risk-based capital ratio | 19.5404% | 1,468 |
| Total risk-based capital ratio | 20.7888% | 1,429 |
| Memoranda: | ||
| Average total assets | $43,084,600 | 5,482 |
| Average earning assets | $40,672,600 | 5,453 |
| Average equity | $4,170,000 | 5,614 |
| Average total loans | $21,516,000 | 5,465 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 1,872 |
| Cost of funding earning assets | 0.6189% | 1,215 |
| Net interest margin | 3.7762% | 2,421 |
| Noninterest income to average assets | 0.6456% | 2,449 |
| Noninterest expense to average assets | 3.3266% | 1,502 |
| Loan and lease loss provision to assets | 0.0649% | 2,933 |
| Net operating income to assets | 0.7969% | 3,379 |
| Return on assets (ROA) | 0.8680% | 3,182 |
| Pretax return on assets | 0.8680% | 4,084 |
| Return on Equity (ROE) | 8.8887% | 2,560 |
| Retained earnings to average equity (ytd only) | 6.1682% | 2,078 |
| Net charge-offs to loans | 0.1306% | 1,658 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 13.2854% | 2,322 |
| Efficiency ratio | 79.4248% | 1,508 |
| Assets per employee ($millions) | 3.0317% | 5,362 |
| Cash dividends to net income (ytd only)* | 30.6037% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,954 |
| Loan loss allowance to noncurrent loans | 247.2727% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 3,391 |
| Noncurrent loans to loans | 0.4365% | 3,721 |
| Net loans and leases to total assets | 54.8223% | 4,420 |
| Net loans and leases to deposits | 67.1144% | 4,233 |
| Net loans and leases to core deposits | 69.5038% | 4,364 |
| Total domestic deposits to total assets | 81.6848% | 4,046 |
| Equity capital to assets | 9.5875% | 4,568 |
| Core capital (leverage) ratio | 10.1646% | 3,366 |
| Tier 1 risk-based capital ratio | 16.8475% | 2,280 |
| Total risk-based capital ratio | 17.9245% | 2,296 |
| Memoranda: | ||
| Average total assets | $43,166,000 | 5,540 |
| Average earning assets | $40,498,500 | 5,513 |
| Average equity | $4,215,000 | 5,666 |
| Average total loans | $21,444,000 | 5,518 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,095 |
| Cost of funding earning assets | 0.6358% | 1,109 |
| Net interest margin | 3.6836% | 2,762 |
| Noninterest income to average assets | 0.6463% | 2,387 |
| Noninterest expense to average assets | 3.4060% | 1,361 |
| Loan and lease loss provision to assets | 0.0472% | 3,206 |
| Net operating income to assets | 0.6369% | 4,112 |
| Return on assets (ROA) | 0.7454% | 3,727 |
| Pretax return on assets | 0.7454% | 4,471 |
| Return on Equity (ROE) | 7.5840% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.8960% | 2,798 |
| Net charge-offs to loans | 0.0495% | 2,495 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,412 |
| Efficiency ratio | 83.2757% | 1,116 |
| Assets per employee ($millions) | 2.7852% | 5,619 |
| Cash dividends to net income (ytd only)* | 35.4430% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,018 |
| Loan loss allowance to noncurrent loans | 374.3243% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 3,624 |
| Noncurrent loans to loans | 0.3364% | 4,157 |
| Net loans and leases to total assets | 51.9939% | 4,673 |
| Net loans and leases to deposits | 58.5783% | 4,874 |
| Net loans and leases to core deposits | 60.2402% | 4,969 |
| Total domestic deposits to total assets | 88.7596% | 1,036 |
| Equity capital to assets | 10.3116% | 3,845 |
| Core capital (leverage) ratio | 9.8902% | 3,698 |
| Tier 1 risk-based capital ratio | 19.0089% | 1,694 |
| Total risk-based capital ratio | 20.2603% | 1,662 |
| Memoranda: | ||
| Average total assets | $42,396,000 | 5,620 |
| Average earning assets | $39,634,670 | 5,597 |
| Average equity | $4,166,670 | 5,742 |
| Average total loans | $20,191,000 | 5,629 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 2,299 |
| Cost of funding earning assets | 0.6500% | 1,051 |
| Net interest margin | 3.6001% | 3,080 |
| Noninterest income to average assets | 0.6276% | 2,376 |
| Noninterest expense to average assets | 3.4094% | 1,362 |
| Loan and lease loss provision to assets | 0.0281% | 3,291 |
| Net operating income to assets | 0.5620% | 4,359 |
| Return on assets (ROA) | 0.6088% | 4,261 |
| Pretax return on assets | 0.6088% | 4,796 |
| Return on Equity (ROE) | 6.3477% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.6133% | 3,688 |
| Net charge-offs to loans | 0.0622% | 1,875 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,443 |
| Efficiency ratio | 85.2459% | 1,043 |
| Assets per employee ($millions) | 2.8573% | 5,635 |
| Cash dividends to net income (ytd only)* | 43.0769% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,479 |
| Loan loss allowance to noncurrent loans | 224.7934% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 3,428 |
| Noncurrent loans to loans | 0.6177% | 3,319 |
| Net loans and leases to total assets | 45.0734% | 5,179 |
| Net loans and leases to deposits | 51.0937% | 5,273 |
| Net loans and leases to core deposits | 52.5117% | 5,326 |
| Total domestic deposits to total assets | 88.2172% | 1,521 |
| Equity capital to assets | 9.7739% | 4,372 |
| Core capital (leverage) ratio | 9.4063% | 4,338 |
| Tier 1 risk-based capital ratio | 20.6138% | 1,383 |
| Total risk-based capital ratio | 21.8667% | 1,362 |
| Memoranda: | ||
| Average total assets | $42,705,000 | 5,663 |
| Average earning assets | $39,998,500 | 5,636 |
| Average equity | $4,096,000 | 5,795 |
| Average total loans | $19,287,000 | 5,704 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 2,644 |
| Cost of funding earning assets | 0.6772% | 930 |
| Net interest margin | 3.4969% | 3,534 |
| Noninterest income to average assets | 0.5949% | 2,739 |
| Noninterest expense to average assets | 3.4006% | 1,487 |
| Loan and lease loss provision to assets | 0.0234% | 3,915 |
| Net operating income to assets | 0.4122% | 5,012 |
| Return on assets (ROA) | 0.4520% | 4,962 |
| Pretax return on assets | 0.4520% | 5,220 |
| Return on Equity (ROE) | 4.8853% | 4,560 |
| Retained earnings to average equity (ytd only) | 1.2403% | 5,008 |
| Net charge-offs to loans | 0.1216% | 2,161 |
| Credit loss provision to net charge-offs | 43.4783% | 3,488 |
| Earnings coverage of net charge-offs (x) | 8.0870% | 2,998 |
| Efficiency ratio | 88.6447% | 785 |
| Assets per employee ($millions) | 2.6594% | 5,804 |
| Cash dividends to net income (ytd only)* | 74.6114% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 2,284 |
| Loan loss allowance to noncurrent loans | 217.6000% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 3,417 |
| Noncurrent loans to loans | 0.6584% | 3,220 |
| Net loans and leases to total assets | 43.9755% | 5,281 |
| Net loans and leases to deposits | 49.8309% | 5,400 |
| Net loans and leases to core deposits | 51.2194% | 5,443 |
| Total domestic deposits to total assets | 88.2494% | 1,508 |
| Equity capital to assets | 9.4075% | 4,663 |
| Core capital (leverage) ratio | 9.5741% | 4,081 |
| Tier 1 risk-based capital ratio | 20.5788% | 1,370 |
| Total risk-based capital ratio | 21.8308% | 1,341 |
| Memoranda: | ||
| Average total assets | $42,698,000 | 5,712 |
| Average earning assets | $39,577,600 | 5,690 |
| Average equity | $3,950,600 | 5,858 |
| Average total loans | $18,917,800 | 5,765 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 2,792 |
| Cost of funding earning assets | 0.6781% | 939 |
| Net interest margin | 3.4578% | 3,729 |
| Noninterest income to average assets | 0.5897% | 2,805 |
| Noninterest expense to average assets | 3.4475% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3401% | 5,345 |
| Return on assets (ROA) | 0.3744% | 5,328 |
| Pretax return on assets | 0.3744% | 5,514 |
| Return on Equity (ROE) | 4.0635% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.1175% | 5,270 |
| Net charge-offs to loans | 0.0705% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.9025% | 2,549 |
| Efficiency ratio | 91.0214% | 632 |
| Assets per employee ($millions) | 2.6338% | 5,880 |
| Cash dividends to net income (ytd only)* | 72.5000% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 2,744 |
| Loan loss allowance to noncurrent loans | 192.3077% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 3,728 |
| Noncurrent loans to loans | 0.7116% | 3,199 |
| Net loans and leases to total assets | 47.0326% | 5,148 |
| Net loans and leases to deposits | 53.4506% | 5,291 |
| Net loans and leases to core deposits | 54.9548% | 5,358 |
| Total domestic deposits to total assets | 87.9927% | 1,558 |
| Equity capital to assets | 9.5014% | 4,748 |
| Core capital (leverage) ratio | 9.6460% | 4,114 |
| Tier 1 risk-based capital ratio | 20.1044% | 1,513 |
| Total risk-based capital ratio | 21.3572% | 1,485 |
| Memoranda: | ||
| Average total assets | $42,734,750 | 5,785 |
| Average earning assets | $39,523,250 | 5,770 |
| Average equity | $3,937,500 | 5,943 |
| Average total loans | $18,901,250 | 5,835 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,115 |
| Cost of funding earning assets | 0.6773% | 952 |
| Net interest margin | 3.3660% | 4,030 |
| Noninterest income to average assets | 0.5544% | 3,015 |
| Noninterest expense to average assets | 3.4379% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2189% | 5,648 |
| Return on assets (ROA) | 0.2702% | 5,615 |
| Pretax return on assets | 0.2702% | 5,707 |
| Return on Equity (ROE) | 2.9627% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.0511% | 5,486 |
| Net charge-offs to loans | 0.0757% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,746 |
| Efficiency ratio | 94.0127% | 516 |
| Assets per employee ($millions) | 2.6514% | 5,951 |
| Cash dividends to net income (ytd only)* | 98.2759% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 2,673 |
| Loan loss allowance to noncurrent loans | 194.4056% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 3,777 |
| Noncurrent loans to loans | 0.7291% | 3,293 |
| Net loans and leases to total assets | 45.5754% | 5,285 |
| Net loans and leases to deposits | 51.7464% | 5,398 |
| Net loans and leases to core deposits | 53.1884% | 5,472 |
| Total domestic deposits to total assets | 88.0746% | 1,614 |
| Equity capital to assets | 9.1179% | 5,127 |
| Core capital (leverage) ratio | 9.1930% | 4,704 |
| Tier 1 risk-based capital ratio | 20.5216% | 1,449 |
| Total risk-based capital ratio | 21.7745% | 1,422 |
| Memoranda: | ||
| Average total assets | $42,932,670 | 5,845 |
| Average earning assets | $39,571,670 | 5,826 |
| Average equity | $3,915,330 | 6,005 |
| Average total loans | $18,503,330 | 5,906 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,391 |
| Cost of funding earning assets | 0.6829% | 930 |
| Net interest margin | 3.2741% | 4,327 |
| Noninterest income to average assets | 0.5187% | 3,160 |
| Noninterest expense to average assets | 3.4084% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1297% | 5,829 |
| Return on assets (ROA) | 0.2315% | 5,696 |
| Pretax return on assets | 0.2315% | 5,785 |
| Return on Equity (ROE) | 2.5387% | 5,529 |
| Retained earnings to average equity (ytd only) | -0.3046% | 5,437 |
| Net charge-offs to loans | 0.1337% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 2,778 |
| Efficiency ratio | 96.3351% | 491 |
| Assets per employee ($millions) | 2.7775% | 5,911 |
| Cash dividends to net income (ytd only)* | 112.0000% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 2,557 |
| Loan loss allowance to noncurrent loans | 392.9577% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 4,560 |
| Noncurrent loans to loans | 0.3754% | 4,467 |
| Net loans and leases to total assets | 41.9352% | 5,490 |
| Net loans and leases to deposits | 47.4126% | 5,598 |
| Net loans and leases to core deposits | 48.6656% | 5,643 |
| Total domestic deposits to total assets | 88.4473% | 1,573 |
| Equity capital to assets | 8.9401% | 5,363 |
| Core capital (leverage) ratio | 9.2551% | 4,640 |
| Tier 1 risk-based capital ratio | 21.3657% | 1,358 |
| Total risk-based capital ratio | 22.6185% | 1,329 |
| Memoranda: | ||
| Average total assets | $43,188,000 | 5,889 |
| Average earning assets | $39,828,000 | 5,872 |
| Average equity | $3,939,000 | 6,060 |
| Average total loans | $17,949,000 | 5,976 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,201 |
| Cost of funding earning assets | 0.7050% | 1,073 |
| Net interest margin | 3.7008% | 3,004 |
| Noninterest income to average assets | 0.6168% | 2,758 |
| Noninterest expense to average assets | 3.5443% | 1,398 |
| Loan and lease loss provision to assets | 0.0245% | 4,118 |
| Net operating income to assets | 0.5042% | 4,797 |
| Return on assets (ROA) | 0.5091% | 4,861 |
| Pretax return on assets | 0.5091% | 5,226 |
| Return on Equity (ROE) | 5.6146% | 4,353 |
| Retained earnings to average equity (ytd only) | -0.8638% | 5,903 |
| Net charge-offs to loans | 0.1661% | 2,374 |
| Credit loss provision to net charge-offs | 33.3333% | 3,784 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 3,067 |
| Efficiency ratio | 87.0192% | 1,076 |
| Assets per employee ($millions) | 2.6210% | 6,088 |
| Cash dividends to net income (ytd only)* | 115.3846% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 1,828 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 4,129 |
| Noncurrent loans to loans | 0.7066% | 3,561 |
| Net loans and leases to total assets | 39.8178% | 5,755 |
| Net loans and leases to deposits | 45.4553% | 5,820 |
| Net loans and leases to core deposits | 46.7365% | 5,859 |
| Total domestic deposits to total assets | 87.5978% | 1,982 |
| Equity capital to assets | 9.3118% | 4,943 |
| Core capital (leverage) ratio | 9.7150% | 3,952 |
| Tier 1 risk-based capital ratio | 22.9809% | 1,086 |
| Total risk-based capital ratio | 24.2353% | 1,062 |
| Memoranda: | ||
| Average total assets | $40,854,400 | 6,015 |
| Average earning assets | $38,154,200 | 5,979 |
| Average equity | $3,704,600 | 6,146 |
| Average total loans | $18,060,000 | 6,041 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 1,915 |
| Cost of funding earning assets | 0.7053% | 1,127 |
| Net interest margin | 3.7829% | 2,679 |
| Noninterest income to average assets | 0.6373% | 2,638 |
| Noninterest expense to average assets | 3.4857% | 1,490 |
| Loan and lease loss provision to assets | 0.0328% | 3,750 |
| Net operating income to assets | 0.6603% | 4,158 |
| Return on assets (ROA) | 0.6702% | 4,196 |
| Pretax return on assets | 0.6702% | 4,805 |
| Return on Equity (ROE) | 7.4426% | 3,472 |
| Retained earnings to average equity (ytd only) | 0.7662% | 5,572 |
| Net charge-offs to loans | 0.2110% | 1,779 |
| Credit loss provision to net charge-offs | 34.4828% | 3,381 |
| Earnings coverage of net charge-offs (x) | 7.2751% | 2,946 |
| Efficiency ratio | 83.4119% | 1,458 |
| Assets per employee ($millions) | 2.4564% | 6,253 |
| Cash dividends to net income (ytd only)* | 89.7055% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 2,631 |
| Loan loss allowance to noncurrent loans | 195.8904% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 4,048 |
| Noncurrent loans to loans | 0.7736% | 3,651 |
| Net loans and leases to total assets | 47.2928% | 5,269 |
| Net loans and leases to deposits | 54.5041% | 5,340 |
| Net loans and leases to core deposits | 55.7381% | 5,464 |
| Total domestic deposits to total assets | 86.7691% | 2,438 |
| Equity capital to assets | 9.6178% | 4,647 |
| Core capital (leverage) ratio | 10.1501% | 3,471 |
| Tier 1 risk-based capital ratio | 21.4387% | 1,364 |
| Total risk-based capital ratio | 22.6940% | 1,332 |
| Memoranda: | ||
| Average total assets | $40,584,000 | 6,095 |
| Average earning assets | $37,995,000 | 6,054 |
| Average equity | $3,654,500 | 6,224 |
| Average total loans | $18,329,250 | 6,095 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 2,078 |
| Cost of funding earning assets | 0.6950% | 1,215 |
| Net interest margin | 3.7311% | 2,836 |
| Noninterest income to average assets | 0.6096% | 2,770 |
| Noninterest expense to average assets | 3.5259% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5657% | 4,519 |
| Return on assets (ROA) | 0.5803% | 4,552 |
| Pretax return on assets | 0.5803% | 5,018 |
| Return on Equity (ROE) | 6.5879% | 3,844 |
| Retained earnings to average equity (ytd only) | -0.4429% | 5,759 |
| Net charge-offs to loans | 0.0220% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 824 |
| Efficiency ratio | 86.1740% | 1,257 |
| Assets per employee ($millions) | 2.7204% | 6,112 |
| Cash dividends to net income (ytd only)* | 106.7227% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 2,441 |
| Loan loss allowance to noncurrent loans | 208.9655% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 4,421 |
| Noncurrent loans to loans | 0.7672% | 3,791 |
| Net loans and leases to total assets | 45.5766% | 5,407 |
| Net loans and leases to deposits | 52.2798% | 5,482 |
| Net loans and leases to core deposits | 53.4118% | 5,589 |
| Total domestic deposits to total assets | 87.1784% | 2,357 |
| Equity capital to assets | 9.1751% | 5,133 |
| Core capital (leverage) ratio | 9.9561% | 3,671 |
| Tier 1 risk-based capital ratio | 20.3386% | 1,604 |
| Total risk-based capital ratio | 21.5934% | 1,576 |
| Memoranda: | ||
| Average total assets | $41,011,330 | 6,141 |
| Average earning assets | $38,273,000 | 6,096 |
| Average equity | $3,612,670 | 6,280 |
| Average total loans | $18,148,000 | 6,154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 2,201 |
| Cost of funding earning assets | 0.6944% | 1,282 |
| Net interest margin | 3.6898% | 2,906 |
| Noninterest income to average assets | 0.5740% | 2,890 |
| Noninterest expense to average assets | 3.5608% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4767% | 4,803 |
| Return on assets (ROA) | 0.5059% | 4,746 |
| Pretax return on assets | 0.5059% | 5,155 |
| Return on Equity (ROE) | 5.8641% | 4,093 |
| Retained earnings to average equity (ytd only) | -1.3533% | 5,776 |
| Net charge-offs to loans | 0.0450% | 2,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,172 |
| Efficiency ratio | 88.1928% | 1,210 |
| Assets per employee ($millions) | 2.5997% | 6,292 |
| Cash dividends to net income (ytd only)* | 123.0769% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 2,383 |
| Loan loss allowance to noncurrent loans | 288.5714% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 4,873 |
| Noncurrent loans to loans | 0.5861% | 4,402 |
| Net loans and leases to total assets | 42.3440% | 5,635 |
| Net loans and leases to deposits | 48.4846% | 5,703 |
| Net loans and leases to core deposits | 49.1667% | 5,815 |
| Total domestic deposits to total assets | 87.3350% | 2,613 |
| Equity capital to assets | 8.7535% | 5,392 |
| Core capital (leverage) ratio | 9.6963% | 4,001 |
| Tier 1 risk-based capital ratio | 21.2244% | 1,429 |
| Total risk-based capital ratio | 22.4772% | 1,406 |
| Memoranda: | ||
| Average total assets | $41,114,000 | 6,196 |
| Average earning assets | $38,592,500 | 6,145 |
| Average equity | $3,547,000 | 6,337 |
| Average total loans | $17,771,500 | 6,226 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,824 |
| Cost of funding earning assets | 0.7069% | 1,768 |
| Net interest margin | 3.6280% | 3,338 |
| Noninterest income to average assets | 0.6079% | 3,039 |
| Noninterest expense to average assets | 3.4536% | 1,763 |
| Loan and lease loss provision to assets | 0.0024% | 5,063 |
| Net operating income to assets | 0.5512% | 4,498 |
| Return on assets (ROA) | 0.7901% | 3,445 |
| Pretax return on assets | 0.7901% | 4,183 |
| Return on Equity (ROE) | 8.4042% | 2,826 |
| Retained earnings to average equity (ytd only) | 0.1510% | 5,783 |
| Net charge-offs to loans | 0.0811% | 4,082 |
| Credit loss provision to net charge-offs | 7.1429% | 4,621 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,779 |
| Efficiency ratio | 86.1865% | 1,400 |
| Assets per employee ($millions) | 2.5396% | 6,370 |
| Cash dividends to net income (ytd only)* | 98.2036% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 2,304 |
| Loan loss allowance to noncurrent loans | 190.6250% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 4,458 |
| Noncurrent loans to loans | 0.9077% | 3,714 |
| Net loans and leases to total assets | 42.6304% | 5,783 |
| Net loans and leases to deposits | 49.5509% | 5,798 |
| Net loans and leases to core deposits | 50.2743% | 5,919 |
| Total domestic deposits to total assets | 86.0335% | 3,243 |
| Equity capital to assets | 8.4980% | 5,586 |
| Core capital (leverage) ratio | 9.7873% | 3,857 |
| Tier 1 risk-based capital ratio | 21.5519% | 1,327 |
| Total risk-based capital ratio | 22.8043% | 1,307 |
| Memoranda: | ||
| Average total assets | $42,274,400 | 6,219 |
| Average earning assets | $39,609,000 | 6,178 |
| Average equity | $3,974,200 | 6,332 |
| Average total loans | $17,260,400 | 6,309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,795 |
| Cost of funding earning assets | 0.7102% | 1,885 |
| Net interest margin | 3.6381% | 3,285 |
| Noninterest income to average assets | 0.5841% | 3,250 |
| Noninterest expense to average assets | 3.3860% | 1,861 |
| Loan and lease loss provision to assets | 0.0031% | 4,895 |
| Net operating income to assets | 0.5872% | 4,407 |
| Return on assets (ROA) | 0.8403% | 3,264 |
| Pretax return on assets | 0.8403% | 4,140 |
| Return on Equity (ROE) | 8.7382% | 2,773 |
| Retained earnings to average equity (ytd only) | 1.7542% | 5,263 |
| Net charge-offs to loans | 0.1087% | 3,453 |
| Credit loss provision to net charge-offs | 7.1429% | 4,255 |
| Earnings coverage of net charge-offs (x) | 13.4971% | 2,025 |
| Efficiency ratio | 85.1532% | 1,451 |
| Assets per employee ($millions) | 2.5943% | 6,385 |
| Cash dividends to net income (ytd only)* | 79.9253% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 2,805 |
| Loan loss allowance to noncurrent loans | 195.5128% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 4,736 |
| Noncurrent loans to loans | 0.8431% | 4,139 |
| Net loans and leases to total assets | 43.8435% | 5,735 |
| Net loans and leases to deposits | 51.0505% | 5,772 |
| Net loans and leases to core deposits | 51.7797% | 5,900 |
| Total domestic deposits to total assets | 85.8826% | 3,330 |
| Equity capital to assets | 8.6005% | 5,623 |
| Core capital (leverage) ratio | 9.8311% | 3,914 |
| Tier 1 risk-based capital ratio | 20.6105% | 1,577 |
| Total risk-based capital ratio | 21.8646% | 1,553 |
| Memoranda: | ||
| Average total assets | $42,684,750 | 6,275 |
| Average earning assets | $39,800,000 | 6,243 |
| Average equity | $4,104,500 | 6,376 |
| Average total loans | $17,168,750 | 6,377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 3,106 |
| Cost of funding earning assets | 0.7172% | 1,939 |
| Net interest margin | 3.5457% | 3,585 |
| Noninterest income to average assets | 0.5850% | 3,288 |
| Noninterest expense to average assets | 3.3847% | 1,860 |
| Loan and lease loss provision to assets | 0.0046% | 4,731 |
| Net operating income to assets | 0.4782% | 4,889 |
| Return on assets (ROA) | 0.8543% | 3,167 |
| Pretax return on assets | 0.8543% | 4,097 |
| Return on Equity (ROE) | 8.5928% | 2,800 |
| Retained earnings to average equity (ytd only) | 1.9147% | 5,050 |
| Net charge-offs to loans | 0.1316% | 3,058 |
| Credit loss provision to net charge-offs | 9.0909% | 3,909 |
| Earnings coverage of net charge-offs (x) | 9.4545% | 2,282 |
| Efficiency ratio | 87.5150% | 1,276 |
| Assets per employee ($millions) | 3.0920% | 5,695 |
| Cash dividends to net income (ytd only)* | 77.7174% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 2,629 |
| Loan loss allowance to noncurrent loans | 223.1884% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 4,911 |
| Noncurrent loans to loans | 0.7790% | 4,355 |
| Net loans and leases to total assets | 40.2098% | 6,028 |
| Net loans and leases to deposits | 47.1477% | 6,036 |
| Net loans and leases to core deposits | 47.7964% | 6,142 |
| Total domestic deposits to total assets | 85.2846% | 3,748 |
| Equity capital to assets | 9.4299% | 4,674 |
| Core capital (leverage) ratio | 9.3749% | 4,423 |
| Tier 1 risk-based capital ratio | 21.1712% | 1,455 |
| Total risk-based capital ratio | 22.4276% | 1,420 |
| Memoranda: | ||
| Average total assets | $43,076,670 | 6,312 |
| Average earning assets | $39,879,000 | 6,288 |
| Average equity | $4,282,670 | 6,390 |
| Average total loans | $16,723,670 | 6,440 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 3,069 |
| Cost of funding earning assets | 0.7213% | 2,053 |
| Net interest margin | 3.5362% | 3,540 |
| Noninterest income to average assets | 0.5678% | 3,324 |
| Noninterest expense to average assets | 3.5373% | 1,546 |
| Loan and lease loss provision to assets | 0.0093% | 4,337 |
| Net operating income to assets | 0.3072% | 5,544 |
| Return on assets (ROA) | 0.9588% | 2,540 |
| Pretax return on assets | 0.9588% | 3,533 |
| Return on Equity (ROE) | 9.4000% | 2,318 |
| Retained earnings to average equity (ytd only) | 2.8291% | 4,587 |
| Net charge-offs to loans | 0.2218% | 2,104 |
| Credit loss provision to net charge-offs | 11.1111% | 3,135 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 2,678 |
| Efficiency ratio | 91.7874% | 1,003 |
| Assets per employee ($millions) | 2.9668% | 6,046 |
| Cash dividends to net income (ytd only)* | 69.9029% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 2,117 |
| Loan loss allowance to noncurrent loans | 104.7297% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 4,061 |
| Noncurrent loans to loans | 1.8832% | 2,756 |
| Net loans and leases to total assets | 34.6232% | 6,385 |
| Net loans and leases to deposits | 40.8581% | 6,383 |
| Net loans and leases to core deposits | 40.8581% | 6,447 |
| Total domestic deposits to total assets | 84.7400% | 4,164 |
| Equity capital to assets | 9.7546% | 4,492 |
| Core capital (leverage) ratio | 9.4754% | 4,128 |
| Tier 1 risk-based capital ratio | 23.2537% | 1,119 |
| Total risk-based capital ratio | 24.5113% | 1,099 |
| Memoranda: | ||
| Average total assets | $42,971,000 | 6,372 |
| Average earning assets | $39,929,500 | 6,338 |
| Average equity | $4,383,000 | 6,424 |
| Average total loans | $16,228,500 | 6,527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 2,026 |
| Cost of funding earning assets | 0.8944% | 1,970 |
| Net interest margin | 3.9528% | 2,593 |
| Noninterest income to average assets | 0.4161% | 4,483 |
| Noninterest expense to average assets | 3.6298% | 1,543 |
| Loan and lease loss provision to assets | 0.0940% | 4,496 |
| Net operating income to assets | 0.3808% | 5,178 |
| Return on assets (ROA) | 1.0156% | 2,490 |
| Pretax return on assets | 1.0156% | 3,495 |
| Return on Equity (ROE) | 9.9210% | 2,202 |
| Retained earnings to average equity (ytd only) | 0.2067% | 5,747 |
| Net charge-offs to loans | 0.0489% | 5,229 |
| Credit loss provision to net charge-offs | 444.4444% | 542 |
| Earnings coverage of net charge-offs (x) | 22.4444% | 1,262 |
| Efficiency ratio | 88.4307% | 1,200 |
| Assets per employee ($millions) | 2.7627% | 6,350 |
| Cash dividends to net income (ytd only)* | 97.9167% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 2,296 |
| Loan loss allowance to noncurrent loans | 90.3409% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.5058% | 3,131 |
| Noncurrent loans to loans | 2.1029% | 2,576 |
| Net loans and leases to total assets | 39.6260% | 6,196 |
| Net loans and leases to deposits | 48.4553% | 6,075 |
| Net loans and leases to core deposits | 48.8924% | 6,218 |
| Total domestic deposits to total assets | 81.7785% | 5,169 |
| Equity capital to assets | 10.6781% | 3,314 |
| Core capital (leverage) ratio | 9.4968% | 4,106 |
| Tier 1 risk-based capital ratio | 21.8216% | 1,297 |
| Total risk-based capital ratio | 23.0757% | 1,269 |
| Memoranda: | ||
| Average total assets | $42,537,200 | 6,411 |
| Average earning assets | $39,693,000 | 6,372 |
| Average equity | $4,354,400 | 6,475 |
| Average total loans | $18,404,600 | 6,492 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 2,480 |
| Cost of funding earning assets | 0.9159% | 2,065 |
| Net interest margin | 3.8594% | 3,081 |
| Noninterest income to average assets | 0.4921% | 3,974 |
| Noninterest expense to average assets | 3.5068% | 1,740 |
| Loan and lease loss provision to assets | 0.1246% | 3,994 |
| Net operating income to assets | 0.4827% | 4,909 |
| Return on assets (ROA) | 1.1336% | 2,169 |
| Pretax return on assets | 1.1336% | 3,215 |
| Return on Equity (ROE) | 11.1909% | 1,891 |
| Retained earnings to average equity (ytd only) | 3.3818% | 4,488 |
| Net charge-offs to loans | 0.0425% | 5,057 |
| Credit loss provision to net charge-offs | 666.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 32.4988% | 1,028 |
| Efficiency ratio | 85.2385% | 1,455 |
| Assets per employee ($millions) | 2.6831% | 6,512 |
| Cash dividends to net income (ytd only)* | 69.7808% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 3,068 |
| Loan loss allowance to noncurrent loans | 57.3214% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 2,848 |
| Noncurrent loans to loans | 3.0048% | 1,859 |
| Net loans and leases to total assets | 42.6648% | 6,070 |
| Net loans and leases to deposits | 52.9028% | 5,894 |
| Net loans and leases to core deposits | 53.3699% | 6,092 |
| Total domestic deposits to total assets | 80.6476% | 5,469 |
| Equity capital to assets | 10.4403% | 3,914 |
| Core capital (leverage) ratio | 9.6939% | 3,967 |
| Tier 1 risk-based capital ratio | 20.2624% | 1,693 |
| Total risk-based capital ratio | 21.5156% | 1,663 |
| Memoranda: | ||
| Average total assets | $42,811,500 | 6,476 |
| Average earning assets | $40,177,500 | 6,424 |
| Average equity | $4,336,750 | 6,559 |
| Average total loans | $18,821,000 | 6,560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,548 |
| Cost of funding earning assets | 0.9460% | 2,091 |
| Net interest margin | 3.8434% | 3,164 |
| Noninterest income to average assets | 0.4536% | 4,265 |
| Noninterest expense to average assets | 3.6145% | 1,554 |
| Loan and lease loss provision to assets | 0.0935% | 4,386 |
| Net operating income to assets | 0.3741% | 5,332 |
| Return on assets (ROA) | 1.0568% | 2,448 |
| Pretax return on assets | 1.0568% | 3,481 |
| Return on Equity (ROE) | 10.5402% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.6584% | 4,852 |
| Net charge-offs to loans | 0.0212% | 5,106 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 731 |
| Efficiency ratio | 88.5452% | 1,186 |
| Assets per employee ($millions) | 2.6899% | 6,539 |
| Cash dividends to net income (ytd only)* | 74.7788% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,602 |
| Loan loss allowance to noncurrent loans | 53.6972% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 2,873 |
| Noncurrent loans to loans | 2.9819% | 1,989 |
| Net loans and leases to total assets | 43.5499% | 6,059 |
| Net loans and leases to deposits | 53.0723% | 5,950 |
| Net loans and leases to core deposits | 53.5300% | 6,127 |
| Total domestic deposits to total assets | 82.0577% | 5,103 |
| Equity capital to assets | 10.1306% | 4,150 |
| Core capital (leverage) ratio | 9.4041% | 4,296 |
| Tier 1 risk-based capital ratio | 19.3000% | 1,898 |
| Total risk-based capital ratio | 20.5517% | 1,865 |
| Memoranda: | ||
| Average total assets | $42,772,000 | 6,519 |
| Average earning assets | $40,381,000 | 6,463 |
| Average equity | $4,288,330 | 6,604 |
| Average total loans | $18,882,330 | 6,605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 2,458 |
| Cost of funding earning assets | 1.0045% | 1,954 |
| Net interest margin | 3.8407% | 3,184 |
| Noninterest income to average assets | 0.4503% | 4,289 |
| Noninterest expense to average assets | 3.7712% | 1,251 |
| Loan and lease loss provision to assets | 0.1220% | 3,819 |
| Net operating income to assets | 0.2158% | 5,938 |
| Return on assets (ROA) | 1.2852% | 1,670 |
| Pretax return on assets | 1.2852% | 2,589 |
| Return on Equity (ROE) | 12.8865% | 1,436 |
| Retained earnings to average equity (ytd only) | 4.8912% | 3,617 |
| Net charge-offs to loans | 0.0638% | 3,856 |
| Credit loss provision to net charge-offs | 433.3333% | 742 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,631 |
| Efficiency ratio | 91.7808% | 956 |
| Assets per employee ($millions) | 2.7501% | 6,577 |
| Cash dividends to net income (ytd only)* | 62.0438% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,859 |
| Loan loss allowance to noncurrent loans | 69.2308% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 3,712 |
| Noncurrent loans to loans | 2.2652% | 2,844 |
| Net loans and leases to total assets | 42.3672% | 6,160 |
| Net loans and leases to deposits | 51.5799% | 6,019 |
| Net loans and leases to core deposits | 52.0131% | 6,203 |
| Total domestic deposits to total assets | 82.1390% | 5,248 |
| Equity capital to assets | 9.6566% | 4,576 |
| Core capital (leverage) ratio | 9.5250% | 4,020 |
| Tier 1 risk-based capital ratio | 18.5846% | 2,118 |
| Total risk-based capital ratio | 19.8370% | 2,081 |
| Memoranda: | ||
| Average total assets | $42,639,000 | 6,580 |
| Average earning assets | $40,617,500 | 6,502 |
| Average equity | $4,252,500 | 6,646 |
| Average total loans | $18,799,500 | 6,666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 909 |
| Cost of funding earning assets | 1.2506% | 1,733 |
| Net interest margin | 4.3757% | 1,463 |
| Noninterest income to average assets | 0.4299% | 4,374 |
| Noninterest expense to average assets | 3.5972% | 1,748 |
| Loan and lease loss provision to assets | 0.1063% | 5,263 |
| Net operating income to assets | 0.7511% | 3,257 |
| Return on assets (ROA) | 0.9991% | 2,345 |
| Pretax return on assets | 0.9991% | 3,251 |
| Return on Equity (ROE) | 10.4028% | 1,919 |
| Retained earnings to average equity (ytd only) | 0.7132% | 5,515 |
| Net charge-offs to loans | 0.3879% | 3,473 |
| Credit loss provision to net charge-offs | 54.2169% | 5,313 |
| Earnings coverage of net charge-offs (x) | 4.3735% | 3,137 |
| Efficiency ratio | 80.7529% | 2,192 |
| Assets per employee ($millions) | 2.5798% | 6,752 |
| Cash dividends to net income (ytd only)* | 93.1442% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,838 |
| Loan loss allowance to noncurrent loans | 43.2229% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 2.1973% | 2,742 |
| Noncurrent loans to loans | 3.5584% | 1,799 |
| Net loans and leases to total assets | 44.5115% | 6,160 |
| Net loans and leases to deposits | 55.5025% | 5,930 |
| Net loans and leases to core deposits | 56.0118% | 6,156 |
| Total domestic deposits to total assets | 80.1972% | 5,686 |
| Equity capital to assets | 10.3108% | 3,768 |
| Core capital (leverage) ratio | 9.5949% | 3,877 |
| Tier 1 risk-based capital ratio | 19.1183% | 1,864 |
| Total risk-based capital ratio | 20.3711% | 1,828 |
| Memoranda: | ||
| Average total assets | $42,338,600 | 6,591 |
| Average earning assets | $38,942,200 | 6,570 |
| Average equity | $4,066,200 | 6,730 |
| Average total loans | $21,399,400 | 6,582 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7661% | 750 |
| Cost of funding earning assets | 1.2791% | 1,824 |
| Net interest margin | 4.4871% | 1,180 |
| Noninterest income to average assets | 0.4663% | 4,158 |
| Noninterest expense to average assets | 3.4957% | 1,951 |
| Loan and lease loss provision to assets | 0.1033% | 5,152 |
| Net operating income to assets | 0.9733% | 2,417 |
| Return on assets (ROA) | 1.3050% | 1,450 |
| Pretax return on assets | 1.3050% | 2,270 |
| Return on Equity (ROE) | 13.8349% | 1,072 |
| Retained earnings to average equity (ytd only) | 5.4410% | 2,883 |
| Net charge-offs to loans | 0.4769% | 2,829 |
| Credit loss provision to net charge-offs | 41.7722% | 5,204 |
| Earnings coverage of net charge-offs (x) | 4.3545% | 3,097 |
| Efficiency ratio | 76.4545% | 2,775 |
| Assets per employee ($millions) | 2.7228% | 6,623 |
| Cash dividends to net income (ytd only)* | 60.6702% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,919 |
| Loan loss allowance to noncurrent loans | 37.3494% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 2.2725% | 2,819 |
| Noncurrent loans to loans | 3.5344% | 1,945 |
| Net loans and leases to total assets | 47.8733% | 5,973 |
| Net loans and leases to deposits | 62.2902% | 5,366 |
| Net loans and leases to core deposits | 63.1388% | 5,703 |
| Total domestic deposits to total assets | 76.8553% | 6,396 |
| Equity capital to assets | 10.1067% | 4,199 |
| Core capital (leverage) ratio | 9.8708% | 3,615 |
| Tier 1 risk-based capital ratio | 17.4562% | 2,463 |
| Total risk-based capital ratio | 18.6258% | 2,465 |
| Memoranda: | ||
| Average total assets | $42,604,000 | 6,641 |
| Average earning assets | $38,985,250 | 6,630 |
| Average equity | $4,018,750 | 6,797 |
| Average total loans | $22,084,250 | 6,613 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 578 |
| Cost of funding earning assets | 1.3024% | 1,927 |
| Net interest margin | 4.5996% | 909 |
| Noninterest income to average assets | 0.4683% | 4,128 |
| Noninterest expense to average assets | 3.5617% | 1,833 |
| Loan and lease loss provision to assets | 0.0709% | 5,424 |
| Net operating income to assets | 1.0784% | 1,940 |
| Return on assets (ROA) | 1.2534% | 1,503 |
| Pretax return on assets | 1.2534% | 2,291 |
| Return on Equity (ROE) | 13.6223% | 1,065 |
| Retained earnings to average equity (ytd only) | 4.9349% | 3,043 |
| Net charge-offs to loans | 0.3928% | 2,987 |
| Credit loss provision to net charge-offs | 34.0909% | 4,926 |
| Earnings coverage of net charge-offs (x) | 5.5227% | 2,600 |
| Efficiency ratio | 75.6024% | 3,085 |
| Assets per employee ($millions) | 2.6969% | 6,646 |
| Cash dividends to net income (ytd only)* | 63.7736% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 5,008 |
| Loan loss allowance to noncurrent loans | 38.9474% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 2.3268% | 2,828 |
| Noncurrent loans to loans | 3.3670% | 2,112 |
| Net loans and leases to total assets | 51.6246% | 5,615 |
| Net loans and leases to deposits | 63.3976% | 5,348 |
| Net loans and leases to core deposits | 64.8879% | 5,619 |
| Total domestic deposits to total assets | 81.4299% | 5,378 |
| Equity capital to assets | 9.7103% | 4,524 |
| Core capital (leverage) ratio | 9.5340% | 3,904 |
| Tier 1 risk-based capital ratio | 15.9179% | 3,022 |
| Total risk-based capital ratio | 17.0682% | 3,049 |
| Memoranda: | ||
| Average total assets | $42,283,670 | 6,713 |
| Average earning assets | $39,003,670 | 6,685 |
| Average equity | $3,890,670 | 6,879 |
| Average total loans | $22,400,670 | 6,669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1450% | 369 |
| Cost of funding earning assets | 1.3197% | 2,070 |
| Net interest margin | 4.8252% | 543 |
| Noninterest income to average assets | 0.4397% | 4,364 |
| Noninterest expense to average assets | 3.6702% | 1,599 |
| Loan and lease loss provision to assets | 0.0765% | 5,041 |
| Net operating income to assets | 1.1661% | 1,604 |
| Return on assets (ROA) | 1.4815% | 949 |
| Pretax return on assets | 1.4815% | 1,500 |
| Return on Equity (ROE) | 16.5731% | 617 |
| Retained earnings to average equity (ytd only) | 7.4846% | 1,947 |
| Net charge-offs to loans | 0.8604% | 1,537 |
| Credit loss provision to net charge-offs | 16.6667% | 4,299 |
| Earnings coverage of net charge-offs (x) | 2.7083% | 2,995 |
| Efficiency ratio | 74.7082% | 3,389 |
| Assets per employee ($millions) | 2.6566% | 6,763 |
| Cash dividends to net income (ytd only)* | 54.8387% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 5,346 |
| Loan loss allowance to noncurrent loans | 49.7382% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 3,425 |
| Noncurrent loans to loans | 2.5309% | 2,953 |
| Net loans and leases to total assets | 52.5938% | 5,507 |
| Net loans and leases to deposits | 62.5105% | 5,441 |
| Net loans and leases to core deposits | 63.9482% | 5,736 |
| Total domestic deposits to total assets | 84.1360% | 4,438 |
| Equity capital to assets | 9.0225% | 5,170 |
| Core capital (leverage) ratio | 9.6698% | 3,569 |
| Tier 1 risk-based capital ratio | 15.5685% | 3,128 |
| Total risk-based capital ratio | 16.6584% | 3,164 |
| Memoranda: | ||
| Average total assets | $41,850,500 | 6,769 |
| Average earning assets | $38,796,000 | 6,728 |
| Average equity | $3,741,000 | 6,948 |
| Average total loans | $22,315,000 | 6,721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9476% | 948 |
| Cost of funding earning assets | 1.5324% | 2,465 |
| Net interest margin | 4.4152% | 1,432 |
| Noninterest income to average assets | 0.5006% | 4,162 |
| Noninterest expense to average assets | 3.8267% | 1,439 |
| Loan and lease loss provision to assets | 0.1115% | 6,040 |
| Net operating income to assets | 0.6543% | 3,422 |
| Return on assets (ROA) | 0.9195% | 2,442 |
| Pretax return on assets | 0.9195% | 3,204 |
| Return on Equity (ROE) | 9.1442% | 2,236 |
| Retained earnings to average equity (ytd only) | -0.5915% | 5,727 |
| Net charge-offs to loans | 0.0891% | 5,953 |
| Credit loss provision to net charge-offs | 225.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 15.4500% | 1,278 |
| Efficiency ratio | 83.3243% | 2,011 |
| Assets per employee ($millions) | 2.5748% | 6,893 |
| Cash dividends to net income (ytd only)* | 106.4690% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 4,129 |
| Loan loss allowance to noncurrent loans | 48.0059% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.1094% | 3,205 |
| Noncurrent loans to loans | 3.0787% | 2,478 |
| Net loans and leases to total assets | 52.5901% | 5,842 |
| Net loans and leases to deposits | 65.4156% | 5,464 |
| Net loans and leases to core deposits | 67.0369% | 5,768 |
| Total domestic deposits to total assets | 80.3937% | 5,722 |
| Equity capital to assets | 8.8528% | 5,351 |
| Core capital (leverage) ratio | 9.8061% | 3,306 |
| Tier 1 risk-based capital ratio | 15.8548% | 2,814 |
| Total risk-based capital ratio | 17.1033% | 2,775 |
| Memoranda: | ||
| Average total assets | $40,348,000 | 6,854 |
| Average earning assets | $37,393,400 | 6,827 |
| Average equity | $4,057,200 | 6,979 |
| Average total loans | $22,446,000 | 6,801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1137% | 740 |
| Cost of funding earning assets | 1.5732% | 2,537 |
| Net interest margin | 4.5405% | 1,173 |
| Noninterest income to average assets | 0.2757% | 5,902 |
| Noninterest expense to average assets | 3.6010% | 1,793 |
| Loan and lease loss provision to assets | 0.0598% | 6,468 |
| Net operating income to assets | 0.8238% | 2,902 |
| Return on assets (ROA) | 1.1793% | 1,742 |
| Pretax return on assets | 1.1793% | 2,566 |
| Return on Equity (ROE) | 11.3786% | 1,681 |
| Retained earnings to average equity (ytd only) | 3.2372% | 4,163 |
| Net charge-offs to loans | 0.1123% | 5,416 |
| Credit loss provision to net charge-offs | 94.7368% | 4,574 |
| Earnings coverage of net charge-offs (x) | 14.0016% | 1,545 |
| Efficiency ratio | 80.2963% | 2,296 |
| Assets per employee ($millions) | 2.4851% | 7,097 |
| Cash dividends to net income (ytd only)* | 71.5499% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 5,028 |
| Loan loss allowance to noncurrent loans | 206.2069% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 5,493 |
| Noncurrent loans to loans | 0.6249% | 5,956 |
| Net loans and leases to total assets | 57.6053% | 5,318 |
| Net loans and leases to deposits | 70.8059% | 5,033 |
| Net loans and leases to core deposits | 72.5944% | 5,449 |
| Total domestic deposits to total assets | 81.3566% | 5,252 |
| Equity capital to assets | 10.8219% | 3,147 |
| Core capital (leverage) ratio | 10.3376% | 2,875 |
| Tier 1 risk-based capital ratio | 15.8843% | 2,820 |
| Total risk-based capital ratio | 17.0357% | 2,822 |
| Memoranda: | ||
| Average total assets | $40,136,000 | 6,945 |
| Average earning assets | $37,205,250 | 6,911 |
| Average equity | $4,159,750 | 7,030 |
| Average total loans | $22,560,000 | 6,877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1327% | 710 |
| Cost of funding earning assets | 1.5924% | 2,701 |
| Net interest margin | 4.5404% | 1,121 |
| Noninterest income to average assets | 0.0397% | 7,385 |
| Noninterest expense to average assets | 3.6313% | 1,704 |
| Loan and lease loss provision to assets | 0.0596% | 6,357 |
| Net operating income to assets | 0.5415% | 4,133 |
| Return on assets (ROA) | 0.9389% | 2,496 |
| Pretax return on assets | 0.9389% | 3,350 |
| Return on Equity (ROE) | 9.1926% | 2,390 |
| Retained earnings to average equity (ytd only) | 0.9728% | 5,380 |
| Net charge-offs to loans | 0.0179% | 6,092 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 512 |
| Efficiency ratio | 85.7981% | 1,735 |
| Assets per employee ($millions) | 2.5228% | 7,074 |
| Cash dividends to net income (ytd only)* | 89.4180% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,775 |
| Loan loss allowance to noncurrent loans | 68.8889% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 4,066 |
| Noncurrent loans to loans | 1.9290% | 3,832 |
| Net loans and leases to total assets | 57.0261% | 5,560 |
| Net loans and leases to deposits | 68.5733% | 5,482 |
| Net loans and leases to core deposits | 70.3570% | 5,839 |
| Total domestic deposits to total assets | 83.1607% | 4,495 |
| Equity capital to assets | 10.3805% | 3,545 |
| Core capital (leverage) ratio | 9.8707% | 3,315 |
| Tier 1 risk-based capital ratio | 15.6310% | 2,838 |
| Total risk-based capital ratio | 16.8290% | 2,826 |
| Memoranda: | ||
| Average total assets | $40,260,670 | 6,989 |
| Average earning assets | $37,177,670 | 6,963 |
| Average equity | $4,112,000 | 7,073 |
| Average total loans | $22,345,330 | 6,945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3145% | 516 |
| Cost of funding earning assets | 1.6299% | 2,777 |
| Net interest margin | 4.6846% | 802 |
| Noninterest income to average assets | -0.0298% | 7,712 |
| Noninterest expense to average assets | 3.7305% | 1,456 |
| Loan and lease loss provision to assets | 0.0497% | 6,164 |
| Net operating income to assets | 0.5073% | 4,356 |
| Return on assets (ROA) | 0.5073% | 4,498 |
| Pretax return on assets | 0.5073% | 4,935 |
| Return on Equity (ROE) | 5.0086% | 4,355 |
| Retained earnings to average equity (ytd only) | -3.3391% | 6,408 |
| Net charge-offs to loans | 0.0366% | 5,067 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 914 |
| Efficiency ratio | 87.0070% | 1,684 |
| Assets per employee ($millions) | 2.5779% | 7,080 |
| Cash dividends to net income (ytd only)* | 166.6667% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,703 |
| Loan loss allowance to noncurrent loans | 116.0920% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 4,899 |
| Noncurrent loans to loans | 1.1591% | 5,050 |
| Net loans and leases to total assets | 53.8585% | 6,039 |
| Net loans and leases to deposits | 64.4230% | 6,014 |
| Net loans and leases to core deposits | 65.1944% | 6,350 |
| Total domestic deposits to total assets | 83.6012% | 4,342 |
| Equity capital to assets | 9.8868% | 4,012 |
| Core capital (leverage) ratio | 9.6787% | 3,546 |
| Tier 1 risk-based capital ratio | 15.9048% | 2,688 |
| Total risk-based capital ratio | 17.1123% | 2,647 |
| Memoranda: | ||
| Average total assets | $40,209,000 | 7,081 |
| Average earning assets | $37,057,500 | 7,051 |
| Average equity | $4,073,000 | 7,157 |
| Average total loans | $21,854,000 | 7,054 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3249% | 975 |
| Cost of funding earning assets | 1.6569% | 4,752 |
| Net interest margin | 4.6680% | 879 |
| Noninterest income to average assets | 0.5101% | 4,333 |
| Noninterest expense to average assets | 3.8320% | 1,630 |
| Loan and lease loss provision to assets | 0.2239% | 5,573 |
| Net operating income to assets | 0.7515% | 2,715 |
| Return on assets (ROA) | 1.4681% | 783 |
| Pretax return on assets | 1.4681% | 1,266 |
| Return on Equity (ROE) | 13.7960% | 819 |
| Retained earnings to average equity (ytd only) | 1.2627% | 4,157 |
| Net charge-offs to loans | 0.3662% | 4,389 |
| Credit loss provision to net charge-offs | 111.1111% | 4,944 |
| Earnings coverage of net charge-offs (x) | 4.8395% | 2,793 |
| Efficiency ratio | 79.7101% | 2,927 |
| Assets per employee ($millions) | 2.3042% | 7,466 |
| Cash dividends to net income (ytd only)* | 90.8475% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 4,143 |
| Loan loss allowance to noncurrent loans | 106.7616% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2662% | 4,555 |
| Noncurrent loans to loans | 1.3261% | 4,705 |
| Net loans and leases to total assets | 53.3303% | 6,265 |
| Net loans and leases to deposits | 65.8928% | 6,062 |
| Net loans and leases to core deposits | 81.5124% | 5,956 |
| Total domestic deposits to total assets | 80.9349% | 5,363 |
| Equity capital to assets | 10.3852% | 3,304 |
| Core capital (leverage) ratio | 10.2501% | 2,826 |
| Tier 1 risk-based capital ratio | 17.0718% | 2,133 |
| Total risk-based capital ratio | 18.3234% | 2,095 |
| Memoranda: | ||
| Average total assets | $40,187,800 | 7,088 |
| Average earning assets | $36,996,600 | 7,057 |
| Average equity | $4,276,600 | 7,182 |
| Average total loans | $22,121,600 | 7,080 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3344% | 1,062 |
| Cost of funding earning assets | 1.6751% | 5,035 |
| Net interest margin | 4.6594% | 891 |
| Noninterest income to average assets | 0.5176% | 4,337 |
| Noninterest expense to average assets | 3.4913% | 2,307 |
| Loan and lease loss provision to assets | 0.2473% | 4,971 |
| Net operating income to assets | 1.0616% | 1,860 |
| Return on assets (ROA) | 2.0111% | 310 |
| Pretax return on assets | 2.0111% | 530 |
| Return on Equity (ROE) | 18.7886% | 376 |
| Retained earnings to average equity (ytd only) | 10.9960% | 474 |
| Net charge-offs to loans | 0.4234% | 3,566 |
| Credit loss provision to net charge-offs | 105.6338% | 4,812 |
| Earnings coverage of net charge-offs (x) | 5.5918% | 2,780 |
| Efficiency ratio | 72.7335% | 4,094 |
| Assets per employee ($millions) | 2.4427% | 7,315 |
| Cash dividends to net income (ytd only)* | 41.4750% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 4,799 |
| Loan loss allowance to noncurrent loans | 129.9559% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 4,814 |
| Noncurrent loans to loans | 0.9646% | 5,367 |
| Net loans and leases to total assets | 59.4581% | 5,671 |
| Net loans and leases to deposits | 73.9828% | 5,369 |
| Net loans and leases to core deposits | 93.1084% | 5,121 |
| Total domestic deposits to total assets | 80.3674% | 5,303 |
| Equity capital to assets | 11.5958% | 2,509 |
| Core capital (leverage) ratio | 10.8705% | 2,507 |
| Tier 1 risk-based capital ratio | 17.1822% | 2,222 |
| Total risk-based capital ratio | 18.3537% | 2,195 |
| Memoranda: | ||
| Average total assets | $40,442,000 | 7,125 |
| Average earning assets | $37,171,500 | 7,107 |
| Average equity | $4,328,750 | 7,240 |
| Average total loans | $22,354,500 | 7,132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 1,345 |
| Cost of funding earning assets | 1.6796% | 5,368 |
| Net interest margin | 4.5656% | 1,024 |
| Noninterest income to average assets | 0.6651% | 3,232 |
| Noninterest expense to average assets | 3.4283% | 2,543 |
| Loan and lease loss provision to assets | 0.3668% | 3,729 |
| Net operating income to assets | 1.0710% | 1,869 |
| Return on assets (ROA) | 2.0785% | 273 |
| Pretax return on assets | 2.0785% | 461 |
| Return on Equity (ROE) | 19.9484% | 344 |
| Retained earnings to average equity (ytd only) | 12.0160% | 439 |
| Net charge-offs to loans | 0.5919% | 2,562 |
| Credit loss provision to net charge-offs | 115.3846% | 4,010 |
| Earnings coverage of net charge-offs (x) | 4.5231% | 3,080 |
| Efficiency ratio | 70.4523% | 4,690 |
| Assets per employee ($millions) | 2.4624% | 7,320 |
| Cash dividends to net income (ytd only)* | 39.7647% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,225 |
| Loan loss allowance to noncurrent loans | 116.1538% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 5,863 |
| Noncurrent loans to loans | 1.1263% | 4,968 |
| Net loans and leases to total assets | 54.4243% | 6,394 |
| Net loans and leases to deposits | 71.7973% | 5,764 |
| Net loans and leases to core deposits | 87.8359% | 5,741 |
| Total domestic deposits to total assets | 75.8027% | 6,595 |
| Equity capital to assets | 10.3058% | 3,615 |
| Core capital (leverage) ratio | 10.5634% | 2,757 |
| Tier 1 risk-based capital ratio | 16.8494% | 2,343 |
| Total risk-based capital ratio | 18.0535% | 2,312 |
| Memoranda: | ||
| Average total assets | $40,895,000 | 7,170 |
| Average earning assets | $37,629,000 | 7,153 |
| Average equity | $4,261,000 | 7,318 |
| Average total loans | $21,961,670 | 7,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2363% | 1,486 |
| Cost of funding earning assets | 1.6815% | 5,684 |
| Net interest margin | 4.5548% | 1,027 |
| Noninterest income to average assets | 0.5147% | 4,187 |
| Noninterest expense to average assets | 3.7711% | 1,525 |
| Loan and lease loss provision to assets | 0.1980% | 4,461 |
| Net operating income to assets | 0.7819% | 3,203 |
| Return on assets (ROA) | 2.2171% | 261 |
| Pretax return on assets | 2.2171% | 428 |
| Return on Equity (ROE) | 21.1595% | 353 |
| Retained earnings to average equity (ytd only) | 13.2247% | 607 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3750% | 2,931 |
| Assets per employee ($millions) | 2.3589% | 7,517 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 3,306 |
| Loan loss allowance to noncurrent loans | 444.2857% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 7,014 |
| Noncurrent loans to loans | 0.3236% | 6,631 |
| Net loans and leases to total assets | 53.1608% | 6,564 |
| Net loans and leases to deposits | 68.0890% | 6,180 |
| Net loans and leases to core deposits | 82.4075% | 6,200 |
| Total domestic deposits to total assets | 78.0754% | 5,988 |
| Equity capital to assets | 10.7005% | 3,289 |
| Core capital (leverage) ratio | 10.5818% | 2,839 |
| Tier 1 risk-based capital ratio | 17.4541% | 2,201 |
| Total risk-based capital ratio | 18.7062% | 2,143 |
| Memoranda: | ||
| Average total assets | $40,412,500 | 7,230 |
| Average earning assets | $37,586,500 | 7,193 |
| Average equity | $4,234,500 | 7,368 |
| Average total loans | $21,400,500 | 7,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0113% | 1,109 |
| Cost of funding earning assets | 2.4922% | 4,248 |
| Net interest margin | 4.5192% | 1,376 |
| Noninterest income to average assets | 0.6235% | 3,687 |
| Noninterest expense to average assets | 3.6155% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2224% | 1,708 |
| Return on assets (ROA) | 1.3407% | 1,322 |
| Pretax return on assets | 1.3407% | 2,165 |
| Return on Equity (ROE) | 13.5108% | 1,211 |
| Retained earnings to average equity (ytd only) | 1.2666% | 4,462 |
| Net charge-offs to loans | 0.0886% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 26.1053% | 1,304 |
| Efficiency ratio | 74.7326% | 3,453 |
| Assets per employee ($millions) | 2.3955% | 7,406 |
| Cash dividends to net income (ytd only)* | 90.6250% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 3,312 |
| Loan loss allowance to noncurrent loans | 748.7179% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,196 |
| Noncurrent loans to loans | 0.1842% | 6,837 |
| Net loans and leases to total assets | 51.2720% | 6,907 |
| Net loans and leases to deposits | 68.5444% | 6,412 |
| Net loans and leases to core deposits | 84.4524% | 6,260 |
| Total domestic deposits to total assets | 74.8011% | 6,495 |
| Equity capital to assets | 10.2593% | 3,748 |
| Core capital (leverage) ratio | 10.2293% | 3,236 |
| Tier 1 risk-based capital ratio | 17.2429% | 2,244 |
| Total risk-based capital ratio | 18.4937% | 2,195 |
| Memoranda: | ||
| Average total assets | $40,574,800 | 7,187 |
| Average earning assets | $37,838,800 | 7,152 |
| Average equity | $4,026,400 | 7,503 |
| Average total loans | $21,433,800 | 7,233 |