Home > The Blue Grass Valley Bank > Performance and Condition Ratios
The Blue Grass Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,850 |
| Cost of funding earning assets | 1.2779% | 2,577 |
| Net interest margin | 2.7938% | 3,678 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4774% | 2,356 |
| Loan and lease loss provision to assets | -0.1700% | 4,551 |
| Net operating income to assets | 0.4304% | 3,807 |
| Return on assets (ROA) | 0.4304% | 3,806 |
| Pretax return on assets | 0.5475% | 3,730 |
| Return on Equity (ROE) | 4.4000% | 3,832 |
| Retained earnings to average equity (ytd only) | 2.2014% | 3,537 |
| Net charge-offs to loans | -0.0030% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.8437% | 522 |
| Assets per employee ($millions) | 5.9089% | 2,890 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,043 |
| Loan loss allowance to noncurrent loans | 326.2774% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 2,059 |
| Noncurrent loans to loans | 0.3818% | 1,842 |
| Net loans and leases to total assets | 59.9800% | 2,841 |
| Net loans and leases to deposits | 66.8351% | 3,121 |
| Net loans and leases to core deposits | 70.1643% | 3,298 |
| Total domestic deposits to total assets | 89.7400% | 829 |
| Equity capital to assets | 9.6380% | 2,247 |
| Core capital (leverage) ratio | 9.5507% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $58,085,000 | 4,231 |
| Average earning assets | $55,014,000 | 4,196 |
| Average equity | $5,678,200 | 4,193 |
| Average total loans | $33,880,000 | 4,081 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 3,962 |
| Cost of funding earning assets | 1.1088% | 2,717 |
| Net interest margin | 2.8193% | 3,700 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4622% | 2,343 |
| Loan and lease loss provision to assets | -0.2300% | 4,592 |
| Net operating income to assets | 0.5141% | 3,733 |
| Return on assets (ROA) | 0.5141% | 3,725 |
| Pretax return on assets | 0.6524% | 3,640 |
| Return on Equity (ROE) | 5.2400% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.2401% | 2,859 |
| Net charge-offs to loans | -0.0120% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.3717% | 540 |
| Assets per employee ($millions) | 4.9748% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,890 |
| Loan loss allowance to noncurrent loans | 253.6723% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 1,825 |
| Noncurrent loans to loans | 0.5097% | 1,544 |
| Net loans and leases to total assets | 57.4100% | 3,084 |
| Net loans and leases to deposits | 65.1362% | 3,196 |
| Net loans and leases to core deposits | 67.3479% | 3,360 |
| Total domestic deposits to total assets | 88.1400% | 1,522 |
| Equity capital to assets | 9.7040% | 1,990 |
| Core capital (leverage) ratio | 9.9840% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,834,000 | 4,251 |
| Average earning assets | $54,953,500 | 4,216 |
| Average equity | $5,674,000 | 4,206 |
| Average total loans | $33,378,250 | 4,108 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,979 |
| Cost of funding earning assets | 0.8922% | 2,949 |
| Net interest margin | 2.9410% | 3,581 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.5519% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3636% | 4,068 |
| Return on assets (ROA) | 0.3636% | 4,085 |
| Pretax return on assets | 0.4614% | 4,026 |
| Return on Equity (ROE) | 3.6900% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.6917% | 3,287 |
| Net charge-offs to loans | -0.0121% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.6868% | 559 |
| Assets per employee ($millions) | 5.1791% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 836 |
| Loan loss allowance to noncurrent loans | 542.5743% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 2,308 |
| Noncurrent loans to loans | 0.3042% | 2,048 |
| Net loans and leases to total assets | 57.3100% | 3,021 |
| Net loans and leases to deposits | 63.8949% | 3,194 |
| Net loans and leases to core deposits | 66.1232% | 3,343 |
| Total domestic deposits to total assets | 89.6900% | 1,017 |
| Equity capital to assets | 9.9579% | 1,880 |
| Core capital (leverage) ratio | 9.8991% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,213,000 | 4,277 |
| Average earning assets | $54,471,667 | 4,240 |
| Average equity | $5,634,333 | 4,234 |
| Average total loans | $32,930,000 | 4,127 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,025 |
| Cost of funding earning assets | 0.4977% | 3,693 |
| Net interest margin | 3.1986% | 3,121 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4837% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6279% | 3,640 |
| Return on assets (ROA) | 0.6279% | 3,598 |
| Pretax return on assets | 0.7953% | 3,477 |
| Return on Equity (ROE) | 6.4100% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.4114% | 2,665 |
| Net charge-offs to loans | -0.0122% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.7447% | 1,190 |
| Assets per employee ($millions) | 5.2271% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 891 |
| Loan loss allowance to noncurrent loans | 488.3929% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,169 |
| Noncurrent loans to loans | 0.3395% | 1,931 |
| Net loans and leases to total assets | 56.4200% | 3,010 |
| Net loans and leases to deposits | 62.7991% | 3,179 |
| Net loans and leases to core deposits | 64.1704% | 3,335 |
| Total domestic deposits to total assets | 89.8500% | 1,213 |
| Equity capital to assets | 9.8438% | 1,907 |
| Core capital (leverage) ratio | 9.9149% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,334,500 | 4,335 |
| Average earning assets | $54,649,000 | 4,296 |
| Average equity | $5,615,000 | 4,289 |
| Average total loans | $32,796,500 | 4,185 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4107% | 3,316 |
| Cost of funding earning assets | 0.3266% | 2,665 |
| Net interest margin | 3.0840% | 3,215 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.3935% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5362% | 4,025 |
| Return on assets (ROA) | 0.5362% | 3,978 |
| Pretax return on assets | 0.6818% | 3,889 |
| Return on Equity (ROE) | 5.4800% | 3,933 |
| Retained earnings to average equity (ytd only) | 3.2299% | 3,655 |
| Net charge-offs to loans | -0.0321% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.8291% | 859 |
| Assets per employee ($millions) | 5.1974% | 3,517 |
| Cash dividends to net income (ytd only)* | 41.0596% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 832 |
| Loan loss allowance to noncurrent loans | 381.8182% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 1,900 |
| Noncurrent loans to loans | 0.4386% | 1,609 |
| Net loans and leases to total assets | 56.0700% | 3,022 |
| Net loans and leases to deposits | 62.3151% | 3,173 |
| Net loans and leases to core deposits | 63.3345% | 3,307 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 9.7427% | 1,861 |
| Core capital (leverage) ratio | 9.8344% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $56,320,000 | 4,378 |
| Average earning assets | $52,658,400 | 4,344 |
| Average equity | $5,511,000 | 4,384 |
| Average total loans | $31,153,600 | 4,222 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 2,949 |
| Cost of funding earning assets | 0.3244% | 1,925 |
| Net interest margin | 3.0622% | 3,048 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.3882% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5157% | 4,042 |
| Return on assets (ROA) | 0.5157% | 3,987 |
| Pretax return on assets | 0.6511% | 3,894 |
| Return on Equity (ROE) | 5.2600% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.2641% | 3,004 |
| Net charge-offs to loans | -0.0390% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.5770% | 866 |
| Assets per employee ($millions) | 5.0579% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 796 |
| Loan loss allowance to noncurrent loans | 386.5248% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 1,950 |
| Noncurrent loans to loans | 0.4539% | 1,670 |
| Net loans and leases to total assets | 54.8600% | 3,020 |
| Net loans and leases to deposits | 61.2019% | 3,092 |
| Net loans and leases to core deposits | 62.2339% | 3,231 |
| Total domestic deposits to total assets | 89.6400% | 1,814 |
| Equity capital to assets | 10.0814% | 1,576 |
| Core capital (leverage) ratio | 10.0963% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $56,107,250 | 4,409 |
| Average earning assets | $52,205,500 | 4,384 |
| Average equity | $5,496,250 | 4,418 |
| Average total loans | $30,791,000 | 4,252 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 2,663 |
| Cost of funding earning assets | 0.3224% | 1,510 |
| Net interest margin | 3.0013% | 2,865 |
| Noninterest income to average assets | 0.1991% | 4,003 |
| Noninterest expense to average assets | 2.3887% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4657% | 3,975 |
| Return on assets (ROA) | 0.4657% | 3,925 |
| Pretax return on assets | 0.5901% | 3,834 |
| Return on Equity (ROE) | 4.7997% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.7997% | 2,783 |
| Net charge-offs to loans | -0.0391% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1909% | 931 |
| Assets per employee ($millions) | 4.6630% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 931 |
| Loan loss allowance to noncurrent loans | 209.2664% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 1,217 |
| Noncurrent loans to loans | 0.8215% | 1,046 |
| Net loans and leases to total assets | 55.3774% | 2,816 |
| Net loans and leases to deposits | 62.7267% | 2,834 |
| Net loans and leases to core deposits | 64.1433% | 2,956 |
| Total domestic deposits to total assets | 88.2837% | 2,469 |
| Equity capital to assets | 9.8703% | 1,789 |
| Core capital (leverage) ratio | 9.7979% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,264,000 | 4,454 |
| Average earning assets | $52,111,000 | 4,438 |
| Average equity | $5,458,667 | 4,472 |
| Average total loans | $30,699,000 | 4,298 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 2,430 |
| Cost of funding earning assets | 0.3162% | 1,501 |
| Net interest margin | 2.9692% | 2,604 |
| Noninterest income to average assets | 0.2056% | 3,928 |
| Noninterest expense to average assets | 2.3255% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4821% | 3,754 |
| Return on assets (ROA) | 0.4821% | 3,721 |
| Pretax return on assets | 0.6097% | 3,607 |
| Return on Equity (ROE) | 5.0124% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.0124% | 2,592 |
| Net charge-offs to loans | -0.0264% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2271% | 1,207 |
| Assets per employee ($millions) | 4.7529% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 971 |
| Loan loss allowance to noncurrent loans | 226.0504% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 1,453 |
| Noncurrent loans to loans | 0.7726% | 1,233 |
| Net loans and leases to total assets | 53.0709% | 2,867 |
| Net loans and leases to deposits | 58.8353% | 3,000 |
| Net loans and leases to core deposits | 60.1076% | 3,134 |
| Total domestic deposits to total assets | 90.2025% | 1,444 |
| Equity capital to assets | 9.5731% | 2,228 |
| Core capital (leverage) ratio | 9.7455% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,418,000 | 4,477 |
| Average earning assets | $51,865,000 | 4,465 |
| Average equity | $5,426,500 | 4,526 |
| Average total loans | $30,284,000 | 4,320 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 2,243 |
| Cost of funding earning assets | 0.3798% | 1,685 |
| Net interest margin | 3.2746% | 2,390 |
| Noninterest income to average assets | 0.1955% | 4,193 |
| Noninterest expense to average assets | 2.4777% | 2,249 |
| Loan and lease loss provision to assets | -0.1862% | 4,679 |
| Net operating income to assets | 0.7148% | 3,591 |
| Return on assets (ROA) | 0.7148% | 3,646 |
| Pretax return on assets | 0.9215% | 3,450 |
| Return on Equity (ROE) | 7.2218% | 3,454 |
| Retained earnings to average equity (ytd only) | 4.8898% | 2,829 |
| Net charge-offs to loans | -0.2778% | 4,742 |
| Credit loss provision to net charge-offs | 126.5823% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1147% | 1,018 |
| Assets per employee ($millions) | 4.6501% | 4,003 |
| Cash dividends to net income (ytd only)* | 32.2917% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 868 |
| Loan loss allowance to noncurrent loans | 116.8122% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 723 |
| Noncurrent loans to loans | 1.5389% | 580 |
| Net loans and leases to total assets | 52.3754% | 3,016 |
| Net loans and leases to deposits | 58.1404% | 3,243 |
| Net loans and leases to core deposits | 59.4266% | 3,360 |
| Total domestic deposits to total assets | 90.0844% | 919 |
| Equity capital to assets | 9.6647% | 2,982 |
| Core capital (leverage) ratio | 9.6822% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,719,600 | 4,527 |
| Average earning assets | $49,502,600 | 4,514 |
| Average equity | $5,317,200 | 4,600 |
| Average total loans | $28,432,800 | 4,410 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 2,083 |
| Cost of funding earning assets | 0.3914% | 1,766 |
| Net interest margin | 3.3809% | 2,209 |
| Noninterest income to average assets | 0.2030% | 4,185 |
| Noninterest expense to average assets | 2.4235% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7093% | 3,742 |
| Return on assets (ROA) | 0.7093% | 3,809 |
| Pretax return on assets | 0.8972% | 3,703 |
| Return on Equity (ROE) | 7.1217% | 3,637 |
| Retained earnings to average equity (ytd only) | 7.1217% | 2,366 |
| Net charge-offs to loans | -0.3748% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9811% | 1,310 |
| Assets per employee ($millions) | 4.5683% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 450 |
| Loan loss allowance to noncurrent loans | 148.9461% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 925 |
| Noncurrent loans to loans | 1.4819% | 714 |
| Net loans and leases to total assets | 51.4028% | 3,255 |
| Net loans and leases to deposits | 57.2070% | 3,471 |
| Net loans and leases to core deposits | 58.5136% | 3,584 |
| Total domestic deposits to total assets | 89.8541% | 834 |
| Equity capital to assets | 9.8778% | 3,020 |
| Core capital (leverage) ratio | 9.9601% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,199,250 | 4,591 |
| Average earning assets | $49,058,750 | 4,579 |
| Average equity | $5,298,250 | 4,666 |
| Average total loans | $28,100,750 | 4,473 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 1,655 |
| Cost of funding earning assets | 0.4029% | 1,865 |
| Net interest margin | 3.5561% | 1,692 |
| Noninterest income to average assets | 0.2203% | 4,086 |
| Noninterest expense to average assets | 2.4877% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8052% | 3,499 |
| Return on assets (ROA) | 0.8052% | 3,572 |
| Pretax return on assets | 1.0179% | 3,405 |
| Return on Equity (ROE) | 8.0619% | 3,392 |
| Retained earnings to average equity (ytd only) | 8.0619% | 2,049 |
| Net charge-offs to loans | 0.0718% | 917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,376 |
| Efficiency ratio | 70.9642% | 1,532 |
| Assets per employee ($millions) | 4.5495% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 680 |
| Loan loss allowance to noncurrent loans | 208.7786% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 1,746 |
| Noncurrent loans to loans | 0.9302% | 1,328 |
| Net loans and leases to total assets | 50.5916% | 3,493 |
| Net loans and leases to deposits | 56.2457% | 3,692 |
| Net loans and leases to core deposits | 57.5321% | 3,795 |
| Total domestic deposits to total assets | 89.9476% | 805 |
| Equity capital to assets | 9.7886% | 3,070 |
| Core capital (leverage) ratio | 9.9301% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,659,000 | 4,628 |
| Average earning assets | $48,648,333 | 4,614 |
| Average equity | $5,259,333 | 4,698 |
| Average total loans | $27,862,667 | 4,511 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 633 |
| Cost of funding earning assets | 0.4075% | 2,038 |
| Net interest margin | 4.2160% | 587 |
| Noninterest income to average assets | 0.2167% | 4,095 |
| Noninterest expense to average assets | 2.4762% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3155% | 1,776 |
| Return on assets (ROA) | 1.3155% | 1,859 |
| Pretax return on assets | 1.6637% | 1,572 |
| Return on Equity (ROE) | 13.0343% | 1,663 |
| Retained earnings to average equity (ytd only) | 13.0343% | 907 |
| Net charge-offs to loans | -0.1588% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8131% | 3,058 |
| Assets per employee ($millions) | 4.3617% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 581 |
| Loan loss allowance to noncurrent loans | 156.4738% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,122 |
| Noncurrent loans to loans | 1.2888% | 1,007 |
| Net loans and leases to total assets | 52.7283% | 3,378 |
| Net loans and leases to deposits | 58.8531% | 3,576 |
| Net loans and leases to core deposits | 60.2590% | 3,682 |
| Total domestic deposits to total assets | 89.5930% | 1,024 |
| Equity capital to assets | 10.1299% | 2,579 |
| Core capital (leverage) ratio | 10.3280% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,691,500 | 4,657 |
| Average earning assets | $48,102,500 | 4,643 |
| Average equity | $5,217,000 | 4,727 |
| Average total loans | $27,710,500 | 4,538 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 2,650 |
| Cost of funding earning assets | 0.6038% | 2,273 |
| Net interest margin | 3.4229% | 2,701 |
| Noninterest income to average assets | 0.1900% | 4,336 |
| Noninterest expense to average assets | 2.6432% | 2,407 |
| Loan and lease loss provision to assets | 0.0486% | 3,788 |
| Net operating income to assets | 0.5384% | 3,943 |
| Return on assets (ROA) | 0.5384% | 4,035 |
| Pretax return on assets | 0.6819% | 3,919 |
| Return on Equity (ROE) | 4.9900% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.7592% | 3,481 |
| Net charge-offs to loans | -0.0848% | 4,777 |
| Credit loss provision to net charge-offs | -95.8333% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3479% | 1,008 |
| Assets per employee ($millions) | 4.2536% | 4,175 |
| Cash dividends to net income (ytd only)* | 44.7059% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 536 |
| Loan loss allowance to noncurrent loans | 78.1206% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5046% | 487 |
| Noncurrent loans to loans | 2.6160% | 376 |
| Net loans and leases to total assets | 52.3049% | 3,639 |
| Net loans and leases to deposits | 58.3372% | 3,874 |
| Net loans and leases to core deposits | 59.4306% | 3,978 |
| Total domestic deposits to total assets | 89.6597% | 693 |
| Equity capital to assets | 10.0543% | 3,084 |
| Core capital (leverage) ratio | 10.1969% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,366,000 | 4,686 |
| Average earning assets | $44,055,800 | 4,669 |
| Average equity | $5,110,200 | 4,738 |
| Average total loans | $28,310,400 | 4,544 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,448 |
| Cost of funding earning assets | 0.6386% | 2,383 |
| Net interest margin | 3.5414% | 2,451 |
| Noninterest income to average assets | 0.2009% | 4,271 |
| Noninterest expense to average assets | 2.6295% | 2,449 |
| Loan and lease loss provision to assets | 0.0624% | 3,559 |
| Net operating income to assets | 0.6344% | 3,683 |
| Return on assets (ROA) | 0.6344% | 3,770 |
| Pretax return on assets | 0.8038% | 3,635 |
| Return on Equity (ROE) | 5.7723% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.7723% | 2,193 |
| Net charge-offs to loans | -0.0653% | 4,747 |
| Credit loss provision to net charge-offs | -157.1429% | 3,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2053% | 1,279 |
| Assets per employee ($millions) | 4.4274% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 549 |
| Loan loss allowance to noncurrent loans | 57.8390% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.1909% | 272 |
| Noncurrent loans to loans | 3.3596% | 251 |
| Net loans and leases to total assets | 56.5758% | 3,569 |
| Net loans and leases to deposits | 63.5931% | 3,822 |
| Net loans and leases to core deposits | 64.8489% | 3,961 |
| Total domestic deposits to total assets | 88.9653% | 785 |
| Equity capital to assets | 10.7020% | 2,621 |
| Core capital (leverage) ratio | 10.9473% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,446,750 | 4,720 |
| Average earning assets | $43,221,000 | 4,704 |
| Average equity | $5,104,750 | 4,763 |
| Average total loans | $28,574,250 | 4,563 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,514 |
| Cost of funding earning assets | 0.6563% | 2,655 |
| Net interest margin | 3.6282% | 2,387 |
| Noninterest income to average assets | 0.2101% | 4,229 |
| Noninterest expense to average assets | 2.6523% | 2,516 |
| Loan and lease loss provision to assets | 0.0657% | 3,472 |
| Net operating income to assets | 0.6915% | 3,415 |
| Return on assets (ROA) | 0.6915% | 3,519 |
| Pretax return on assets | 0.8797% | 3,373 |
| Return on Equity (ROE) | 6.2340% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.2340% | 1,969 |
| Net charge-offs to loans | -0.1392% | 4,901 |
| Credit loss provision to net charge-offs | -75.0000% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7226% | 1,493 |
| Assets per employee ($millions) | 4.2554% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 542 |
| Loan loss allowance to noncurrent loans | 53.4838% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.4397% | 234 |
| Noncurrent loans to loans | 3.5321% | 221 |
| Net loans and leases to total assets | 60.4691% | 3,271 |
| Net loans and leases to deposits | 68.1736% | 3,548 |
| Net loans and leases to core deposits | 69.5762% | 3,741 |
| Total domestic deposits to total assets | 88.6988% | 864 |
| Equity capital to assets | 11.0000% | 2,339 |
| Core capital (leverage) ratio | 11.2768% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,695,333 | 4,748 |
| Average earning assets | $42,666,333 | 4,731 |
| Average equity | $5,069,000 | 4,792 |
| Average total loans | $28,732,667 | 4,584 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,875 |
| Cost of funding earning assets | 0.6771% | 3,027 |
| Net interest margin | 3.6392% | 2,542 |
| Noninterest income to average assets | 0.2481% | 4,064 |
| Noninterest expense to average assets | 2.7648% | 2,533 |
| Loan and lease loss provision to assets | 0.0709% | 2,853 |
| Net operating income to assets | 0.6735% | 3,353 |
| Return on assets (ROA) | 0.6735% | 3,423 |
| Pretax return on assets | 0.8419% | 3,303 |
| Return on Equity (ROE) | 6.0449% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.0449% | 1,852 |
| Net charge-offs to loans | -0.0837% | 4,782 |
| Credit loss provision to net charge-offs | -133.3333% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1807% | 1,664 |
| Assets per employee ($millions) | 4.0875% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 685 |
| Loan loss allowance to noncurrent loans | 90.9722% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 680 |
| Noncurrent loans to loans | 2.0059% | 704 |
| Net loans and leases to total assets | 62.7004% | 3,226 |
| Net loans and leases to deposits | 70.9447% | 3,515 |
| Net loans and leases to core deposits | 72.4637% | 3,734 |
| Total domestic deposits to total assets | 88.3793% | 937 |
| Equity capital to assets | 11.2693% | 2,621 |
| Core capital (leverage) ratio | 11.2169% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9558% | 646 |
| Memoranda: | ||
| Average total assets | $45,138,500 | 4,780 |
| Average earning assets | $42,537,000 | 4,770 |
| Average equity | $5,029,000 | 4,833 |
| Average total loans | $28,674,000 | 4,625 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 3,111 |
| Cost of funding earning assets | 0.6640% | 3,333 |
| Net interest margin | 3.7887% | 2,540 |
| Noninterest income to average assets | 0.2306% | 4,288 |
| Noninterest expense to average assets | 2.8685% | 2,382 |
| Loan and lease loss provision to assets | 0.1612% | 1,297 |
| Net operating income to assets | 0.5643% | 4,261 |
| Return on assets (ROA) | 0.5643% | 4,310 |
| Pretax return on assets | 0.7143% | 4,173 |
| Return on Equity (ROE) | 5.0792% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.8823% | 3,592 |
| Net charge-offs to loans | 0.4216% | 460 |
| Credit loss provision to net charge-offs | 60.0000% | 3,033 |
| Earnings coverage of net charge-offs (x) | 3.2583% | 3,339 |
| Efficiency ratio | 76.6148% | 1,303 |
| Assets per employee ($millions) | 4.1195% | 3,743 |
| Cash dividends to net income (ytd only)* | 43.2540% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 681 |
| Loan loss allowance to noncurrent loans | 100.5917% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3903% | 759 |
| Noncurrent loans to loans | 1.7707% | 765 |
| Net loans and leases to total assets | 62.0603% | 3,395 |
| Net loans and leases to deposits | 70.0563% | 3,666 |
| Net loans and leases to core deposits | 71.5409% | 3,883 |
| Total domestic deposits to total assets | 88.5863% | 850 |
| Equity capital to assets | 11.0143% | 2,984 |
| Core capital (leverage) ratio | 11.1133% | 2,405 |
| Tier 1 risk-based capital ratio | 20.2557% | 1,289 |
| Total risk-based capital ratio | 21.5138% | 1,263 |
| Memoranda: | ||
| Average total assets | $44,657,400 | 4,837 |
| Average earning assets | $41,412,600 | 4,824 |
| Average equity | $4,961,400 | 4,885 |
| Average total loans | $28,465,600 | 4,673 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 3,113 |
| Cost of funding earning assets | 0.6589% | 3,403 |
| Net interest margin | 3.8236% | 2,518 |
| Noninterest income to average assets | 0.2248% | 4,389 |
| Noninterest expense to average assets | 2.8109% | 2,534 |
| Loan and lease loss provision to assets | 0.1708% | 1,079 |
| Net operating income to assets | 0.6113% | 4,270 |
| Return on assets (ROA) | 0.6113% | 4,318 |
| Pretax return on assets | 0.7731% | 4,185 |
| Return on Equity (ROE) | 5.4903% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.4903% | 2,628 |
| Net charge-offs to loans | 0.5582% | 299 |
| Credit loss provision to net charge-offs | 47.8992% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 3,178 |
| Efficiency ratio | 74.8603% | 1,458 |
| Assets per employee ($millions) | 3.9423% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 784 |
| Loan loss allowance to noncurrent loans | 54.9889% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.5666% | 257 |
| Noncurrent loans to loans | 3.1281% | 302 |
| Net loans and leases to total assets | 65.3499% | 3,134 |
| Net loans and leases to deposits | 74.2850% | 3,453 |
| Net loans and leases to core deposits | 75.4319% | 3,732 |
| Total domestic deposits to total assets | 87.9719% | 1,046 |
| Equity capital to assets | 11.6499% | 2,562 |
| Core capital (leverage) ratio | 11.6451% | 2,114 |
| Tier 1 risk-based capital ratio | 20.6103% | 1,255 |
| Total risk-based capital ratio | 21.8709% | 1,228 |
| Memoranda: | ||
| Average total assets | $44,493,250 | 4,907 |
| Average earning assets | $41,077,500 | 4,896 |
| Average equity | $4,954,000 | 4,954 |
| Average total loans | $28,424,000 | 4,739 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 3,066 |
| Cost of funding earning assets | 0.6397% | 3,465 |
| Net interest margin | 3.8429% | 2,425 |
| Noninterest income to average assets | 0.2318% | 4,363 |
| Noninterest expense to average assets | 2.7368% | 2,793 |
| Loan and lease loss provision to assets | 0.1605% | 1,129 |
| Net operating income to assets | 0.6909% | 4,032 |
| Return on assets (ROA) | 0.6909% | 4,093 |
| Pretax return on assets | 0.8692% | 3,932 |
| Return on Equity (ROE) | 6.2991% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.2991% | 2,144 |
| Net charge-offs to loans | 0.8626% | 165 |
| Credit loss provision to net charge-offs | 29.5082% | 2,604 |
| Earnings coverage of net charge-offs (x) | 1.8934% | 2,983 |
| Efficiency ratio | 72.6627% | 1,817 |
| Assets per employee ($millions) | 3.6387% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 889 |
| Loan loss allowance to noncurrent loans | 40.1361% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.4353% | 150 |
| Noncurrent loans to loans | 4.1423% | 170 |
| Net loans and leases to total assets | 63.9383% | 3,351 |
| Net loans and leases to deposits | 72.5068% | 3,640 |
| Net loans and leases to core deposits | 73.6137% | 3,913 |
| Total domestic deposits to total assets | 88.1825% | 1,015 |
| Equity capital to assets | 11.4557% | 2,638 |
| Core capital (leverage) ratio | 11.4893% | 2,176 |
| Tier 1 risk-based capital ratio | 19.9617% | 1,356 |
| Total risk-based capital ratio | 21.2188% | 1,328 |
| Memoranda: | ||
| Average total assets | $44,869,330 | 4,943 |
| Average earning assets | $41,271,330 | 4,938 |
| Average equity | $4,921,330 | 4,994 |
| Average total loans | $28,287,000 | 4,777 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 3,831 |
| Cost of funding earning assets | 0.6204% | 3,463 |
| Net interest margin | 3.5889% | 3,293 |
| Noninterest income to average assets | 0.2463% | 4,246 |
| Noninterest expense to average assets | 2.6918% | 2,930 |
| Loan and lease loss provision to assets | 0.1319% | 1,316 |
| Net operating income to assets | 0.5806% | 4,302 |
| Return on assets (ROA) | 0.5806% | 4,337 |
| Pretax return on assets | 0.7301% | 4,225 |
| Return on Equity (ROE) | 5.4087% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.4087% | 2,733 |
| Net charge-offs to loans | 1.8700% | 61 |
| Credit loss provision to net charge-offs | 11.3636% | 2,177 |
| Earnings coverage of net charge-offs (x) | 0.7424% | 2,647 |
| Efficiency ratio | 75.7426% | 1,521 |
| Assets per employee ($millions) | 3.7867% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 1,154 |
| Loan loss allowance to noncurrent loans | 31.2766% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 3.6950% | 134 |
| Noncurrent loans to loans | 4.9823% | 112 |
| Net loans and leases to total assets | 61.3094% | 3,569 |
| Net loans and leases to deposits | 70.0309% | 3,763 |
| Net loans and leases to core deposits | 71.0598% | 4,004 |
| Total domestic deposits to total assets | 87.5462% | 1,551 |
| Equity capital to assets | 10.8143% | 3,033 |
| Core capital (leverage) ratio | 10.9455% | 2,617 |
| Tier 1 risk-based capital ratio | 18.1168% | 1,766 |
| Total risk-based capital ratio | 19.3703% | 1,722 |
| Memoranda: | ||
| Average total assets | $45,472,000 | 4,985 |
| Average earning assets | $41,907,000 | 4,975 |
| Average equity | $4,881,000 | 5,043 |
| Average total loans | $28,235,500 | 4,833 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 2,712 |
| Cost of funding earning assets | 0.6027% | 2,692 |
| Net interest margin | 3.8125% | 2,621 |
| Noninterest income to average assets | 0.2428% | 4,468 |
| Noninterest expense to average assets | 2.7017% | 3,019 |
| Loan and lease loss provision to assets | 0.0839% | 2,453 |
| Net operating income to assets | 0.7372% | 4,013 |
| Return on assets (ROA) | 0.7372% | 4,014 |
| Pretax return on assets | 0.9337% | 3,804 |
| Return on Equity (ROE) | 6.9854% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.7057% | 2,929 |
| Net charge-offs to loans | 0.0797% | 1,992 |
| Credit loss provision to net charge-offs | 165.2174% | 1,688 |
| Earnings coverage of net charge-offs (x) | 20.0435% | 2,019 |
| Efficiency ratio | 72.6409% | 1,825 |
| Assets per employee ($millions) | 3.7920% | 4,192 |
| Cash dividends to net income (ytd only)* | 32.6347% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 487 |
| Loan loss allowance to noncurrent loans | 31.8857% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 4.4370% | 89 |
| Noncurrent loans to loans | 6.2121% | 66 |
| Net loans and leases to total assets | 60.6826% | 3,695 |
| Net loans and leases to deposits | 68.2055% | 3,963 |
| Net loans and leases to core deposits | 69.1899% | 4,162 |
| Total domestic deposits to total assets | 88.9702% | 875 |
| Equity capital to assets | 10.6540% | 3,023 |
| Core capital (leverage) ratio | 10.5580% | 2,959 |
| Tier 1 risk-based capital ratio | 17.7420% | 1,830 |
| Total risk-based capital ratio | 19.0009% | 1,782 |
| Memoranda: | ||
| Average total assets | $45,305,000 | 5,027 |
| Average earning assets | $41,312,000 | 5,027 |
| Average equity | $4,781,400 | 5,079 |
| Average total loans | $28,849,400 | 4,844 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 2,462 |
| Cost of funding earning assets | 0.5977% | 2,487 |
| Net interest margin | 3.8526% | 2,466 |
| Noninterest income to average assets | 0.2504% | 4,476 |
| Noninterest expense to average assets | 2.6191% | 3,231 |
| Loan and lease loss provision to assets | 0.0678% | 2,619 |
| Net operating income to assets | 0.8367% | 3,790 |
| Return on assets (ROA) | 0.8367% | 3,796 |
| Pretax return on assets | 1.0577% | 3,546 |
| Return on Equity (ROE) | 7.9471% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.9471% | 1,681 |
| Net charge-offs to loans | 0.0919% | 1,580 |
| Credit loss provision to net charge-offs | 115.0000% | 2,051 |
| Earnings coverage of net charge-offs (x) | 19.0971% | 2,022 |
| Efficiency ratio | 69.9449% | 2,194 |
| Assets per employee ($millions) | 4.1039% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 576 |
| Loan loss allowance to noncurrent loans | 36.3273% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 3.9253% | 130 |
| Noncurrent loans to loans | 5.2641% | 111 |
| Net loans and leases to total assets | 62.0384% | 3,652 |
| Net loans and leases to deposits | 69.7969% | 3,932 |
| Net loans and leases to core deposits | 71.2603% | 4,120 |
| Total domestic deposits to total assets | 88.8842% | 881 |
| Equity capital to assets | 10.8677% | 2,785 |
| Core capital (leverage) ratio | 10.8360% | 2,756 |
| Tier 1 risk-based capital ratio | 17.8057% | 1,839 |
| Total risk-based capital ratio | 19.0614% | 1,801 |
| Memoranda: | ||
| Average total assets | $45,255,250 | 5,088 |
| Average earning assets | $41,044,500 | 5,094 |
| Average equity | $4,764,750 | 5,144 |
| Average total loans | $29,019,000 | 4,896 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,418 |
| Cost of funding earning assets | 0.5893% | 2,296 |
| Net interest margin | 3.8088% | 2,538 |
| Noninterest income to average assets | 0.2517% | 4,504 |
| Noninterest expense to average assets | 2.6141% | 3,289 |
| Loan and lease loss provision to assets | 0.0662% | 2,575 |
| Net operating income to assets | 0.8081% | 3,830 |
| Return on assets (ROA) | 0.8081% | 3,831 |
| Pretax return on assets | 1.0244% | 3,586 |
| Return on Equity (ROE) | 7.7581% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.7581% | 1,727 |
| Net charge-offs to loans | -0.0411% | 4,850 |
| Credit loss provision to net charge-offs | -250.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5602% | 2,231 |
| Assets per employee ($millions) | 4.2672% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 611 |
| Loan loss allowance to noncurrent loans | 34.4112% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 4.0649% | 133 |
| Noncurrent loans to loans | 5.5819% | 104 |
| Net loans and leases to total assets | 61.3541% | 3,665 |
| Net loans and leases to deposits | 68.5739% | 3,979 |
| Net loans and leases to core deposits | 69.9463% | 4,148 |
| Total domestic deposits to total assets | 89.4714% | 750 |
| Equity capital to assets | 10.2388% | 3,401 |
| Core capital (leverage) ratio | 10.6907% | 2,820 |
| Tier 1 risk-based capital ratio | 16.8183% | 2,157 |
| Total risk-based capital ratio | 18.0746% | 2,106 |
| Memoranda: | ||
| Average total assets | $45,292,670 | 5,146 |
| Average earning assets | $41,062,670 | 5,151 |
| Average equity | $4,717,670 | 5,211 |
| Average total loans | $29,174,670 | 4,942 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 1,733 |
| Cost of funding earning assets | 0.5815% | 2,161 |
| Net interest margin | 3.9624% | 1,837 |
| Noninterest income to average assets | 0.2878% | 4,245 |
| Noninterest expense to average assets | 2.6175% | 3,286 |
| Loan and lease loss provision to assets | 0.0720% | 2,324 |
| Net operating income to assets | 0.9625% | 3,022 |
| Return on assets (ROA) | 0.9625% | 3,040 |
| Pretax return on assets | 1.2143% | 2,696 |
| Return on Equity (ROE) | 9.1580% | 2,824 |
| Retained earnings to average equity (ytd only) | 9.1580% | 1,406 |
| Net charge-offs to loans | -0.0688% | 5,102 |
| Credit loss provision to net charge-offs | -160.0000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0507% | 2,998 |
| Assets per employee ($millions) | 4.0598% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 636 |
| Loan loss allowance to noncurrent loans | 31.5730% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 4.5457% | 117 |
| Noncurrent loans to loans | 6.0756% | 97 |
| Net loans and leases to total assets | 63.6594% | 3,352 |
| Net loans and leases to deposits | 71.4674% | 3,661 |
| Net loans and leases to core deposits | 72.5045% | 3,918 |
| Total domestic deposits to total assets | 89.0747% | 1,060 |
| Equity capital to assets | 10.5916% | 2,978 |
| Core capital (leverage) ratio | 10.7613% | 2,674 |
| Tier 1 risk-based capital ratio | 17.0807% | 2,093 |
| Total risk-based capital ratio | 18.3374% | 2,045 |
| Memoranda: | ||
| Average total assets | $44,469,500 | 5,219 |
| Average earning assets | $40,581,500 | 5,215 |
| Average equity | $4,673,500 | 5,267 |
| Average total loans | $29,080,500 | 4,989 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 2,002 |
| Cost of funding earning assets | 0.4898% | 2,426 |
| Net interest margin | 3.9209% | 2,028 |
| Noninterest income to average assets | 0.2410% | 4,689 |
| Noninterest expense to average assets | 2.8462% | 2,622 |
| Loan and lease loss provision to assets | 0.0533% | 3,170 |
| Net operating income to assets | 0.2944% | 4,939 |
| Return on assets (ROA) | 0.2944% | 4,952 |
| Pretax return on assets | 0.8483% | 4,100 |
| Return on Equity (ROE) | 2.7147% | 4,910 |
| Retained earnings to average equity (ytd only) | 0.4916% | 4,838 |
| Net charge-offs to loans | 0.1480% | 1,609 |
| Credit loss provision to net charge-offs | 54.7619% | 3,276 |
| Earnings coverage of net charge-offs (x) | 9.2619% | 2,811 |
| Efficiency ratio | 75.9431% | 1,627 |
| Assets per employee ($millions) | 4.0255% | 3,918 |
| Cash dividends to net income (ytd only)* | 81.8898% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 692 |
| Loan loss allowance to noncurrent loans | 28.5189% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 4.9073% | 98 |
| Noncurrent loans to loans | 6.5259% | 72 |
| Net loans and leases to total assets | 64.6620% | 3,276 |
| Net loans and leases to deposits | 72.4758% | 3,652 |
| Net loans and leases to core deposits | 74.0196% | 3,876 |
| Total domestic deposits to total assets | 89.2189% | 901 |
| Equity capital to assets | 10.4266% | 3,235 |
| Core capital (leverage) ratio | 10.4744% | 2,868 |
| Tier 1 risk-based capital ratio | 16.6330% | 2,218 |
| Total risk-based capital ratio | 17.8903% | 2,164 |
| Memoranda: | ||
| Average total assets | $43,145,000 | 5,286 |
| Average earning assets | $38,588,400 | 5,295 |
| Average equity | $4,678,200 | 5,321 |
| Average total loans | $28,369,800 | 5,061 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 1,780 |
| Cost of funding earning assets | 0.4723% | 2,498 |
| Net interest margin | 3.9808% | 1,777 |
| Noninterest income to average assets | 0.2520% | 4,699 |
| Noninterest expense to average assets | 2.7841% | 2,783 |
| Loan and lease loss provision to assets | 0.0467% | 3,171 |
| Net operating income to assets | 0.6377% | 4,244 |
| Return on assets (ROA) | 0.6377% | 4,297 |
| Pretax return on assets | 0.9612% | 3,831 |
| Return on Equity (ROE) | 5.8236% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.8236% | 2,363 |
| Net charge-offs to loans | 0.1373% | 1,425 |
| Credit loss provision to net charge-offs | 51.7241% | 2,893 |
| Earnings coverage of net charge-offs (x) | 11.1712% | 2,518 |
| Efficiency ratio | 73.4208% | 1,988 |
| Assets per employee ($millions) | 3.9395% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 686 |
| Loan loss allowance to noncurrent loans | 31.7865% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 4.7952% | 115 |
| Noncurrent loans to loans | 6.0042% | 103 |
| Net loans and leases to total assets | 64.9937% | 3,250 |
| Net loans and leases to deposits | 73.3215% | 3,635 |
| Net loans and leases to core deposits | 75.4265% | 3,850 |
| Total domestic deposits to total assets | 88.6420% | 1,045 |
| Equity capital to assets | 11.0742% | 2,788 |
| Core capital (leverage) ratio | 11.1644% | 2,309 |
| Tier 1 risk-based capital ratio | 17.5916% | 1,979 |
| Total risk-based capital ratio | 18.8490% | 1,918 |
| Memoranda: | ||
| Average total assets | $42,861,000 | 5,349 |
| Average earning assets | $38,115,250 | 5,360 |
| Average equity | $4,693,500 | 5,377 |
| Average total loans | $28,168,250 | 5,120 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 1,763 |
| Cost of funding earning assets | 0.4638% | 2,463 |
| Net interest margin | 3.9533% | 1,762 |
| Noninterest income to average assets | 0.2623% | 4,659 |
| Noninterest expense to average assets | 2.8335% | 2,643 |
| Loan and lease loss provision to assets | 0.0328% | 3,339 |
| Net operating income to assets | 0.6042% | 4,287 |
| Return on assets (ROA) | 0.6042% | 4,332 |
| Pretax return on assets | 0.9086% | 3,902 |
| Return on Equity (ROE) | 5.5385% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.5385% | 2,384 |
| Net charge-offs to loans | 0.1072% | 1,559 |
| Credit loss provision to net charge-offs | 46.6667% | 2,593 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 2,137 |
| Efficiency ratio | 75.0620% | 1,847 |
| Assets per employee ($millions) | 3.6003% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 678 |
| Loan loss allowance to noncurrent loans | 33.9253% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 4.5991% | 127 |
| Noncurrent loans to loans | 5.6964% | 110 |
| Net loans and leases to total assets | 65.0704% | 3,240 |
| Net loans and leases to deposits | 74.3239% | 3,514 |
| Net loans and leases to core deposits | 76.4896% | 3,731 |
| Total domestic deposits to total assets | 87.5498% | 1,690 |
| Equity capital to assets | 10.9319% | 2,890 |
| Core capital (leverage) ratio | 11.1766% | 2,244 |
| Tier 1 risk-based capital ratio | 17.2140% | 2,094 |
| Total risk-based capital ratio | 18.4714% | 2,037 |
| Memoranda: | ||
| Average total assets | $42,703,000 | 5,396 |
| Average earning assets | $37,943,330 | 5,407 |
| Average equity | $4,658,330 | 5,423 |
| Average total loans | $27,986,670 | 5,165 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,063 |
| Cost of funding earning assets | 0.4665% | 2,373 |
| Net interest margin | 3.7955% | 2,126 |
| Noninterest income to average assets | 0.3109% | 4,328 |
| Noninterest expense to average assets | 2.7702% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6030% | 4,150 |
| Return on assets (ROA) | 0.6030% | 4,203 |
| Pretax return on assets | 0.9140% | 3,712 |
| Return on Equity (ROE) | 5.5339% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.5339% | 2,579 |
| Net charge-offs to loans | 0.2894% | 631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,342 |
| Efficiency ratio | 75.1918% | 2,036 |
| Assets per employee ($millions) | 3.5228% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 683 |
| Loan loss allowance to noncurrent loans | 31.6959% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 4.8825% | 125 |
| Noncurrent loans to loans | 6.2757% | 101 |
| Net loans and leases to total assets | 63.1751% | 3,378 |
| Net loans and leases to deposits | 71.2825% | 3,672 |
| Net loans and leases to core deposits | 72.8677% | 3,925 |
| Total domestic deposits to total assets | 88.6263% | 1,361 |
| Equity capital to assets | 11.0189% | 2,610 |
| Core capital (leverage) ratio | 11.1225% | 2,259 |
| Tier 1 risk-based capital ratio | 17.7056% | 1,976 |
| Total risk-based capital ratio | 18.9638% | 1,927 |
| Memoranda: | ||
| Average total assets | $42,452,500 | 5,457 |
| Average earning assets | $37,728,500 | 5,469 |
| Average equity | $4,626,000 | 5,484 |
| Average total loans | $27,646,500 | 5,225 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 1,110 |
| Cost of funding earning assets | 0.5119% | 1,997 |
| Net interest margin | 4.1613% | 1,208 |
| Noninterest income to average assets | 0.0510% | 5,770 |
| Noninterest expense to average assets | 2.9787% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5164% | 4,565 |
| Return on assets (ROA) | 0.5181% | 4,642 |
| Pretax return on assets | 0.7683% | 4,276 |
| Return on Equity (ROE) | 4.4248% | 4,698 |
| Retained earnings to average equity (ytd only) | 2.1361% | 4,315 |
| Net charge-offs to loans | 0.3600% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,736 |
| Efficiency ratio | 79.5501% | 1,476 |
| Assets per employee ($millions) | 4.2632% | 3,505 |
| Cash dividends to net income (ytd only)* | 51.7241% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 653 |
| Loan loss allowance to noncurrent loans | 28.1846% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 5.3082% | 112 |
| Noncurrent loans to loans | 7.1100% | 73 |
| Net loans and leases to total assets | 64.4657% | 3,295 |
| Net loans and leases to deposits | 72.5777% | 3,651 |
| Net loans and leases to core deposits | 74.1741% | 3,906 |
| Total domestic deposits to total assets | 88.8229% | 1,196 |
| Equity capital to assets | 10.7759% | 2,839 |
| Core capital (leverage) ratio | 11.3091% | 2,073 |
| Tier 1 risk-based capital ratio | 17.0098% | 2,156 |
| Total risk-based capital ratio | 18.2687% | 2,107 |
| Memoranda: | ||
| Average total assets | $39,178,000 | 5,557 |
| Average earning assets | $34,773,200 | 5,574 |
| Average equity | $4,587,800 | 5,541 |
| Average total loans | $27,780,600 | 5,275 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 926 |
| Cost of funding earning assets | 0.5162% | 1,966 |
| Net interest margin | 4.2706% | 982 |
| Noninterest income to average assets | -0.0104% | 5,938 |
| Noninterest expense to average assets | 3.0101% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5220% | 4,609 |
| Return on assets (ROA) | 0.5220% | 4,712 |
| Pretax return on assets | 0.7795% | 4,373 |
| Return on Equity (ROE) | 4.3609% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.3609% | 3,232 |
| Net charge-offs to loans | 0.0914% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.7908% | 2,446 |
| Efficiency ratio | 79.4307% | 1,506 |
| Assets per employee ($millions) | 3.5559% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 436 |
| Loan loss allowance to noncurrent loans | 35.3103% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 5.3560% | 124 |
| Noncurrent loans to loans | 6.5126% | 99 |
| Net loans and leases to total assets | 69.8402% | 2,510 |
| Net loans and leases to deposits | 79.6188% | 3,009 |
| Net loans and leases to core deposits | 81.5463% | 3,320 |
| Total domestic deposits to total assets | 87.7183% | 1,546 |
| Equity capital to assets | 11.8778% | 2,200 |
| Core capital (leverage) ratio | 12.1018% | 1,604 |
| Tier 1 risk-based capital ratio | 17.8240% | 1,967 |
| Total risk-based capital ratio | 19.0900% | 1,929 |
| Memoranda: | ||
| Average total assets | $38,314,500 | 5,625 |
| Average earning assets | $34,092,250 | 5,641 |
| Average equity | $4,586,250 | 5,599 |
| Average total loans | $27,714,500 | 5,327 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 962 |
| Cost of funding earning assets | 0.5163% | 1,968 |
| Net interest margin | 4.2303% | 1,059 |
| Noninterest income to average assets | 0.2891% | 4,716 |
| Noninterest expense to average assets | 3.0173% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7009% | 3,783 |
| Return on assets (ROA) | 0.7044% | 3,916 |
| Pretax return on assets | 1.0671% | 3,333 |
| Return on Equity (ROE) | 5.8690% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.8690% | 2,202 |
| Net charge-offs to loans | 0.1448% | 1,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.1000% | 2,356 |
| Efficiency ratio | 73.9691% | 2,368 |
| Assets per employee ($millions) | 3.4222% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 471 |
| Loan loss allowance to noncurrent loans | 28.2446% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 6.9679% | 81 |
| Noncurrent loans to loans | 8.1394% | 64 |
| Net loans and leases to total assets | 72.4790% | 2,092 |
| Net loans and leases to deposits | 82.9629% | 2,590 |
| Net loans and leases to core deposits | 85.0578% | 2,977 |
| Total domestic deposits to total assets | 87.3632% | 1,732 |
| Equity capital to assets | 12.2994% | 1,903 |
| Core capital (leverage) ratio | 12.2041% | 1,514 |
| Tier 1 risk-based capital ratio | 17.9228% | 1,954 |
| Total risk-based capital ratio | 19.1848% | 1,910 |
| Memoranda: | ||
| Average total assets | $38,047,670 | 5,700 |
| Average earning assets | $34,087,670 | 5,706 |
| Average equity | $4,566,330 | 5,661 |
| Average total loans | $27,632,330 | 5,387 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 630 |
| Cost of funding earning assets | 0.5180% | 1,958 |
| Net interest margin | 4.4387% | 687 |
| Noninterest income to average assets | 0.3346% | 4,337 |
| Noninterest expense to average assets | 3.0432% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8157% | 3,168 |
| Return on assets (ROA) | 0.8157% | 3,291 |
| Pretax return on assets | 1.2340% | 2,563 |
| Return on Equity (ROE) | 6.8806% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.8806% | 1,947 |
| Net charge-offs to loans | -0.0582% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1491% | 2,931 |
| Assets per employee ($millions) | 3.4527% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4482% | 413 |
| Loan loss allowance to noncurrent loans | 29.0323% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 6.9616% | 90 |
| Noncurrent loans to loans | 8.4326% | 61 |
| Net loans and leases to total assets | 69.8736% | 2,361 |
| Net loans and leases to deposits | 79.8448% | 2,814 |
| Net loans and leases to core deposits | 81.2007% | 3,214 |
| Total domestic deposits to total assets | 87.5118% | 1,915 |
| Equity capital to assets | 12.0432% | 2,005 |
| Core capital (leverage) ratio | 12.0922% | 1,549 |
| Tier 1 risk-based capital ratio | 18.0086% | 1,986 |
| Total risk-based capital ratio | 19.2724% | 1,947 |
| Memoranda: | ||
| Average total assets | $38,249,500 | 5,752 |
| Average earning assets | $33,974,000 | 5,761 |
| Average equity | $4,534,500 | 5,713 |
| Average total loans | $27,485,500 | 5,429 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 756 |
| Cost of funding earning assets | 0.5851% | 1,467 |
| Net interest margin | 4.3214% | 926 |
| Noninterest income to average assets | 0.2614% | 5,022 |
| Noninterest expense to average assets | 3.1010% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6782% | 3,912 |
| Return on assets (ROA) | 0.6782% | 4,008 |
| Pretax return on assets | 1.0224% | 3,372 |
| Return on Equity (ROE) | 5.8734% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.5420% | 3,543 |
| Net charge-offs to loans | 0.0245% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.4286% | 916 |
| Efficiency ratio | 75.2040% | 2,395 |
| Assets per employee ($millions) | 3.5017% | 4,836 |
| Cash dividends to net income (ytd only)* | 39.6947% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 465 |
| Loan loss allowance to noncurrent loans | 31.2117% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 6.4150% | 124 |
| Noncurrent loans to loans | 7.6386% | 80 |
| Net loans and leases to total assets | 70.3679% | 2,313 |
| Net loans and leases to deposits | 81.2524% | 2,684 |
| Net loans and leases to core deposits | 82.6271% | 3,081 |
| Total domestic deposits to total assets | 86.6040% | 2,323 |
| Equity capital to assets | 11.6696% | 2,216 |
| Core capital (leverage) ratio | 11.5859% | 1,897 |
| Tier 1 risk-based capital ratio | 17.3727% | 2,158 |
| Total risk-based capital ratio | 18.6365% | 2,110 |
| Memoranda: | ||
| Average total assets | $38,633,000 | 5,793 |
| Average earning assets | $34,526,000 | 5,802 |
| Average equity | $4,460,800 | 5,765 |
| Average total loans | $28,543,400 | 5,424 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 765 |
| Cost of funding earning assets | 0.5990% | 1,411 |
| Net interest margin | 4.3013% | 958 |
| Noninterest income to average assets | 0.2759% | 4,968 |
| Noninterest expense to average assets | 3.0038% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7346% | 3,747 |
| Return on assets (ROA) | 0.7346% | 3,849 |
| Pretax return on assets | 1.1105% | 3,175 |
| Return on Equity (ROE) | 6.3786% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.3786% | 2,030 |
| Net charge-offs to loans | 0.0371% | 3,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.2362% | 1,243 |
| Efficiency ratio | 73.0092% | 2,715 |
| Assets per employee ($millions) | 3.5412% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3303% | 551 |
| Loan loss allowance to noncurrent loans | 53.5223% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 4.0690% | 286 |
| Noncurrent loans to loans | 4.3540% | 261 |
| Net loans and leases to total assets | 71.1216% | 2,213 |
| Net loans and leases to deposits | 80.8947% | 2,777 |
| Net loans and leases to core deposits | 81.6168% | 3,297 |
| Total domestic deposits to total assets | 87.9188% | 1,604 |
| Equity capital to assets | 11.6833% | 2,361 |
| Core capital (leverage) ratio | 11.8704% | 1,764 |
| Tier 1 risk-based capital ratio | 17.1013% | 2,338 |
| Total risk-based capital ratio | 18.3639% | 2,278 |
| Memoranda: | ||
| Average total assets | $38,661,500 | 5,870 |
| Average earning assets | $34,500,250 | 5,881 |
| Average equity | $4,452,250 | 5,846 |
| Average total loans | $28,737,500 | 5,480 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 652 |
| Cost of funding earning assets | 0.6129% | 1,324 |
| Net interest margin | 4.3359% | 858 |
| Noninterest income to average assets | 0.3008% | 4,801 |
| Noninterest expense to average assets | 2.9250% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8609% | 3,077 |
| Return on assets (ROA) | 0.8609% | 3,180 |
| Pretax return on assets | 1.3017% | 2,356 |
| Return on Equity (ROE) | 7.5125% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,469 |
| Net charge-offs to loans | -0.1109% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2025% | 3,458 |
| Assets per employee ($millions) | 3.4843% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 593 |
| Loan loss allowance to noncurrent loans | 56.4250% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 4.0807% | 325 |
| Noncurrent loans to loans | 4.1670% | 347 |
| Net loans and leases to total assets | 74.2270% | 1,625 |
| Net loans and leases to deposits | 85.7931% | 2,075 |
| Net loans and leases to core deposits | 86.5817% | 2,699 |
| Total domestic deposits to total assets | 86.5186% | 2,425 |
| Equity capital to assets | 11.7515% | 2,206 |
| Core capital (leverage) ratio | 11.8417% | 1,753 |
| Tier 1 risk-based capital ratio | 16.9636% | 2,417 |
| Total risk-based capital ratio | 18.2291% | 2,366 |
| Memoranda: | ||
| Average total assets | $38,564,330 | 5,934 |
| Average earning assets | $34,917,670 | 5,933 |
| Average equity | $4,419,330 | 5,916 |
| Average total loans | $28,861,670 | 5,523 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 646 |
| Cost of funding earning assets | 0.6268% | 1,257 |
| Net interest margin | 4.3076% | 864 |
| Noninterest income to average assets | 0.3102% | 4,708 |
| Noninterest expense to average assets | 2.9781% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8169% | 3,174 |
| Return on assets (ROA) | 0.8169% | 3,302 |
| Pretax return on assets | 1.2409% | 2,509 |
| Return on Equity (ROE) | 7.2196% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.2196% | 1,908 |
| Net charge-offs to loans | -0.1532% | 5,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 3,381 |
| Assets per employee ($millions) | 3.5056% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3721% | 645 |
| Loan loss allowance to noncurrent loans | 61.9872% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 3.9236% | 385 |
| Noncurrent loans to loans | 3.8268% | 466 |
| Net loans and leases to total assets | 72.5740% | 1,718 |
| Net loans and leases to deposits | 83.6852% | 2,121 |
| Net loans and leases to core deposits | 84.4452% | 2,722 |
| Total domestic deposits to total assets | 86.7227% | 2,541 |
| Equity capital to assets | 11.4543% | 2,510 |
| Core capital (leverage) ratio | 11.3729% | 2,102 |
| Tier 1 risk-based capital ratio | 17.0778% | 2,452 |
| Total risk-based capital ratio | 18.3421% | 2,405 |
| Memoranda: | ||
| Average total assets | $38,683,000 | 5,989 |
| Average earning assets | $35,101,000 | 5,984 |
| Average equity | $4,377,000 | 5,978 |
| Average total loans | $28,725,500 | 5,567 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 544 |
| Cost of funding earning assets | 0.7029% | 1,087 |
| Net interest margin | 4.4740% | 784 |
| Noninterest income to average assets | 0.2949% | 5,011 |
| Noninterest expense to average assets | 3.2384% | 2,104 |
| Loan and lease loss provision to assets | 0.0626% | 3,264 |
| Net operating income to assets | 0.6976% | 3,903 |
| Return on assets (ROA) | 0.6993% | 4,015 |
| Pretax return on assets | 1.0490% | 3,310 |
| Return on Equity (ROE) | 6.2459% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.8221% | 3,495 |
| Net charge-offs to loans | 0.0987% | 3,097 |
| Credit loss provision to net charge-offs | 82.7586% | 2,812 |
| Earnings coverage of net charge-offs (x) | 14.6552% | 2,143 |
| Efficiency ratio | 74.4898% | 2,752 |
| Assets per employee ($millions) | 3.5276% | 4,853 |
| Cash dividends to net income (ytd only)* | 38.8060% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3241% | 699 |
| Loan loss allowance to noncurrent loans | 53.1374% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 4.3166% | 372 |
| Noncurrent loans to loans | 4.3738% | 387 |
| Net loans and leases to total assets | 72.4564% | 1,839 |
| Net loans and leases to deposits | 83.1908% | 2,312 |
| Net loans and leases to core deposits | 83.9384% | 2,905 |
| Total domestic deposits to total assets | 87.0967% | 2,228 |
| Equity capital to assets | 11.1767% | 2,725 |
| Core capital (leverage) ratio | 11.1339% | 2,277 |
| Tier 1 risk-based capital ratio | 15.8795% | 3,019 |
| Total risk-based capital ratio | 17.1463% | 2,959 |
| Memoranda: | ||
| Average total assets | $38,321,600 | 6,072 |
| Average earning assets | $34,711,600 | 6,071 |
| Average equity | $4,290,800 | 6,033 |
| Average total loans | $29,375,000 | 5,584 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 497 |
| Cost of funding earning assets | 0.7178% | 1,058 |
| Net interest margin | 4.5037% | 731 |
| Noninterest income to average assets | 0.3141% | 4,927 |
| Noninterest expense to average assets | 3.1901% | 2,205 |
| Loan and lease loss provision to assets | 0.0838% | 2,680 |
| Net operating income to assets | 0.7399% | 3,725 |
| Return on assets (ROA) | 0.7399% | 3,838 |
| Pretax return on assets | 1.1134% | 3,137 |
| Return on Equity (ROE) | 6.6054% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.6054% | 2,040 |
| Net charge-offs to loans | -0.0497% | 5,904 |
| Credit loss provision to net charge-offs | -218.1818% | 5,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7128% | 3,059 |
| Assets per employee ($millions) | 3.4426% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4167% | 715 |
| Loan loss allowance to noncurrent loans | 54.5385% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 4.5314% | 398 |
| Noncurrent loans to loans | 4.4311% | 450 |
| Net loans and leases to total assets | 75.6001% | 1,271 |
| Net loans and leases to deposits | 85.8982% | 1,912 |
| Net loans and leases to core deposits | 86.6784% | 2,585 |
| Total domestic deposits to total assets | 88.0113% | 1,762 |
| Equity capital to assets | 11.5794% | 2,406 |
| Core capital (leverage) ratio | 11.5840% | 1,993 |
| Tier 1 risk-based capital ratio | 16.1910% | 2,963 |
| Total risk-based capital ratio | 17.4574% | 2,909 |
| Memoranda: | ||
| Average total assets | $38,201,000 | 6,152 |
| Average earning assets | $34,548,250 | 6,148 |
| Average equity | $4,279,250 | 6,102 |
| Average total loans | $29,522,500 | 5,637 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 566 |
| Cost of funding earning assets | 0.7232% | 1,063 |
| Net interest margin | 4.4198% | 820 |
| Noninterest income to average assets | 0.3498% | 4,635 |
| Noninterest expense to average assets | 3.1322% | 2,388 |
| Loan and lease loss provision to assets | 0.1253% | 1,973 |
| Net operating income to assets | 0.7361% | 3,642 |
| Return on assets (ROA) | 0.7361% | 3,736 |
| Pretax return on assets | 1.1119% | 3,051 |
| Return on Equity (ROE) | 6.6447% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.6447% | 1,951 |
| Net charge-offs to loans | -0.1217% | 6,202 |
| Credit loss provision to net charge-offs | -133.3333% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6846% | 3,399 |
| Assets per employee ($millions) | 3.1503% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3873% | 825 |
| Loan loss allowance to noncurrent loans | 44.4169% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 5.3647% | 317 |
| Noncurrent loans to loans | 5.3748% | 346 |
| Net loans and leases to total assets | 77.4436% | 986 |
| Net loans and leases to deposits | 87.8157% | 1,615 |
| Net loans and leases to core deposits | 88.6104% | 2,245 |
| Total domestic deposits to total assets | 88.1888% | 1,798 |
| Equity capital to assets | 11.4144% | 2,503 |
| Core capital (leverage) ratio | 11.4950% | 2,001 |
| Tier 1 risk-based capital ratio | 15.5714% | 3,315 |
| Total risk-based capital ratio | 16.8381% | 3,260 |
| Memoranda: | ||
| Average total assets | $38,311,670 | 6,210 |
| Average earning assets | $34,843,330 | 6,198 |
| Average equity | $4,244,000 | 6,151 |
| Average total loans | $29,584,000 | 5,675 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 803 |
| Cost of funding earning assets | 0.7301% | 1,076 |
| Net interest margin | 4.2097% | 1,193 |
| Noninterest income to average assets | 0.4667% | 3,658 |
| Noninterest expense to average assets | 3.0908% | 2,565 |
| Loan and lease loss provision to assets | 0.1245% | 1,944 |
| Net operating income to assets | 0.7157% | 3,600 |
| Return on assets (ROA) | 0.7157% | 3,687 |
| Pretax return on assets | 1.0787% | 3,001 |
| Return on Equity (ROE) | 6.5582% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.5582% | 2,249 |
| Net charge-offs to loans | -0.2178% | 6,412 |
| Credit loss provision to net charge-offs | -75.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9807% | 3,491 |
| Assets per employee ($millions) | 3.1158% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3826% | 934 |
| Loan loss allowance to noncurrent loans | 55.1020% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 4.6269% | 466 |
| Noncurrent loans to loans | 4.3241% | 590 |
| Net loans and leases to total assets | 76.9216% | 891 |
| Net loans and leases to deposits | 87.1995% | 1,448 |
| Net loans and leases to core deposits | 87.9918% | 2,098 |
| Total domestic deposits to total assets | 88.2134% | 2,100 |
| Equity capital to assets | 11.3480% | 2,378 |
| Core capital (leverage) ratio | 11.3562% | 2,089 |
| Tier 1 risk-based capital ratio | 15.6217% | 3,367 |
| Total risk-based capital ratio | 16.8882% | 3,324 |
| Memoranda: | ||
| Average total assets | $38,566,000 | 6,270 |
| Average earning assets | $35,061,500 | 6,253 |
| Average equity | $4,208,500 | 6,203 |
| Average total loans | $29,380,000 | 5,736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 566 |
| Cost of funding earning assets | 0.8714% | 857 |
| Net interest margin | 4.3923% | 925 |
| Noninterest income to average assets | 0.2138% | 5,801 |
| Noninterest expense to average assets | 3.1652% | 2,533 |
| Loan and lease loss provision to assets | 0.2217% | 1,645 |
| Net operating income to assets | 0.5227% | 4,632 |
| Return on assets (ROA) | 0.5227% | 4,758 |
| Pretax return on assets | 0.7920% | 4,172 |
| Return on Equity (ROE) | 4.7466% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.2534% | 4,644 |
| Net charge-offs to loans | 0.1234% | 3,573 |
| Credit loss provision to net charge-offs | 227.0270% | 1,006 |
| Earnings coverage of net charge-offs (x) | 10.3784% | 2,383 |
| Efficiency ratio | 75.7423% | 2,817 |
| Assets per employee ($millions) | 3.3118% | 5,260 |
| Cash dividends to net income (ytd only)* | 52.5253% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3006% | 1,038 |
| Loan loss allowance to noncurrent loans | 53.6624% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 4.4839% | 564 |
| Noncurrent loans to loans | 4.2871% | 643 |
| Net loans and leases to total assets | 72.0220% | 1,674 |
| Net loans and leases to deposits | 85.5925% | 1,736 |
| Net loans and leases to core deposits | 86.3595% | 2,404 |
| Total domestic deposits to total assets | 84.1452% | 4,108 |
| Equity capital to assets | 10.5027% | 3,156 |
| Core capital (leverage) ratio | 10.9491% | 2,438 |
| Tier 1 risk-based capital ratio | 15.1079% | 3,606 |
| Total risk-based capital ratio | 16.3711% | 3,541 |
| Memoranda: | ||
| Average total assets | $37,880,600 | 6,344 |
| Average earning assets | $34,196,400 | 6,344 |
| Average equity | $4,171,400 | 6,291 |
| Average total loans | $29,990,000 | 5,766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 469 |
| Cost of funding earning assets | 0.9126% | 766 |
| Net interest margin | 4.4565% | 794 |
| Noninterest income to average assets | 0.2102% | 5,917 |
| Noninterest expense to average assets | 3.1110% | 2,618 |
| Loan and lease loss provision to assets | 0.2245% | 1,614 |
| Net operating income to assets | 0.5951% | 4,371 |
| Return on assets (ROA) | 0.5951% | 4,496 |
| Pretax return on assets | 0.8944% | 3,912 |
| Return on Equity (ROE) | 5.3386% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.3386% | 2,841 |
| Net charge-offs to loans | 0.0133% | 4,871 |
| Credit loss provision to net charge-offs | 2,100.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 104.6650% | 477 |
| Efficiency ratio | 73.5468% | 3,134 |
| Assets per employee ($millions) | 3.1848% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3363% | 1,125 |
| Loan loss allowance to noncurrent loans | 50.0729% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 4.9662% | 561 |
| Noncurrent loans to loans | 4.6657% | 677 |
| Net loans and leases to total assets | 75.1452% | 1,119 |
| Net loans and leases to deposits | 84.8670% | 1,758 |
| Net loans and leases to core deposits | 86.2691% | 2,380 |
| Total domestic deposits to total assets | 88.5447% | 1,818 |
| Equity capital to assets | 11.1126% | 2,653 |
| Core capital (leverage) ratio | 11.3827% | 2,141 |
| Tier 1 risk-based capital ratio | 15.4943% | 3,474 |
| Total risk-based capital ratio | 16.7603% | 3,426 |
| Memoranda: | ||
| Average total assets | $37,415,250 | 6,423 |
| Average earning assets | $33,747,750 | 6,427 |
| Average equity | $4,170,750 | 6,359 |
| Average total loans | $30,163,250 | 5,809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 497 |
| Cost of funding earning assets | 0.9248% | 796 |
| Net interest margin | 4.4059% | 836 |
| Noninterest income to average assets | 0.3015% | 5,295 |
| Noninterest expense to average assets | 3.0742% | 2,747 |
| Loan and lease loss provision to assets | 0.2261% | 1,671 |
| Net operating income to assets | 0.6838% | 3,888 |
| Return on assets (ROA) | 0.6838% | 4,053 |
| Pretax return on assets | 1.0283% | 3,382 |
| Return on Equity (ROE) | 6.1274% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.1274% | 2,357 |
| Net charge-offs to loans | 0.0197% | 4,449 |
| Credit loss provision to net charge-offs | 1,400.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 584 |
| Efficiency ratio | 71.0199% | 3,639 |
| Assets per employee ($millions) | 3.0463% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1891% | 1,445 |
| Loan loss allowance to noncurrent loans | 38.1007% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 6.2726% | 422 |
| Noncurrent loans to loans | 5.7457% | 520 |
| Net loans and leases to total assets | 81.4011% | 396 |
| Net loans and leases to deposits | 92.4130% | 923 |
| Net loans and leases to core deposits | 93.2675% | 1,595 |
| Total domestic deposits to total assets | 88.0840% | 2,189 |
| Equity capital to assets | 11.5084% | 2,286 |
| Core capital (leverage) ratio | 11.5046% | 1,933 |
| Tier 1 risk-based capital ratio | 15.0062% | 3,774 |
| Total risk-based capital ratio | 16.2689% | 3,731 |
| Memoranda: | ||
| Average total assets | $37,147,670 | 6,479 |
| Average earning assets | $33,954,330 | 6,467 |
| Average equity | $4,145,330 | 6,417 |
| Average total loans | $30,415,670 | 5,828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 620 |
| Cost of funding earning assets | 0.9392% | 822 |
| Net interest margin | 4.2439% | 1,087 |
| Noninterest income to average assets | 0.3846% | 4,582 |
| Noninterest expense to average assets | 2.9591% | 3,124 |
| Loan and lease loss provision to assets | 0.2243% | 1,642 |
| Net operating income to assets | 0.7371% | 3,496 |
| Return on assets (ROA) | 0.7371% | 3,632 |
| Pretax return on assets | 1.1110% | 2,910 |
| Return on Equity (ROE) | 6.7080% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.7080% | 2,311 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9055% | 4,158 |
| Assets per employee ($millions) | 3.3495% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1386% | 1,710 |
| Loan loss allowance to noncurrent loans | 37.3272% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 6.1910% | 507 |
| Noncurrent loans to loans | 5.7294% | 606 |
| Net loans and leases to total assets | 80.4799% | 386 |
| Net loans and leases to deposits | 91.0576% | 884 |
| Net loans and leases to core deposits | 91.8844% | 1,514 |
| Total domestic deposits to total assets | 88.3835% | 2,075 |
| Equity capital to assets | 11.2610% | 2,667 |
| Core capital (leverage) ratio | 11.2534% | 2,052 |
| Tier 1 risk-based capital ratio | 14.7967% | 3,974 |
| Total risk-based capital ratio | 16.0592% | 3,935 |
| Memoranda: | ||
| Average total assets | $37,443,500 | 6,535 |
| Average earning assets | $34,496,500 | 6,509 |
| Average equity | $4,114,500 | 6,489 |
| Average total loans | $30,412,000 | 5,875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5893% | 523 |
| Cost of funding earning assets | 1.2139% | 542 |
| Net interest margin | 4.3754% | 1,215 |
| Noninterest income to average assets | 0.2687% | 5,533 |
| Noninterest expense to average assets | 3.1692% | 2,716 |
| Loan and lease loss provision to assets | 0.2385% | 2,747 |
| Net operating income to assets | 0.5685% | 4,384 |
| Return on assets (ROA) | 0.5702% | 4,635 |
| Pretax return on assets | 0.8855% | 3,973 |
| Return on Equity (ROE) | 5.1111% | 4,627 |
| Retained earnings to average equity (ytd only) | 2.5555% | 4,430 |
| Net charge-offs to loans | 0.0918% | 4,753 |
| Credit loss provision to net charge-offs | 310.7143% | 780 |
| Earnings coverage of net charge-offs (x) | 14.6071% | 1,721 |
| Efficiency ratio | 73.8658% | 3,090 |
| Assets per employee ($millions) | 3.1703% | 5,693 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 1,879 |
| Loan loss allowance to noncurrent loans | 49.6830% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 4.7499% | 842 |
| Noncurrent loans to loans | 4.1345% | 1,110 |
| Net loans and leases to total assets | 78.5874% | 610 |
| Net loans and leases to deposits | 88.4396% | 1,218 |
| Net loans and leases to core deposits | 89.2128% | 1,938 |
| Total domestic deposits to total assets | 88.8600% | 1,671 |
| Equity capital to assets | 10.7247% | 3,249 |
| Core capital (leverage) ratio | 10.8508% | 2,388 |
| Tier 1 risk-based capital ratio | 14.2847% | 4,177 |
| Total risk-based capital ratio | 15.5451% | 4,126 |
| Memoranda: | ||
| Average total assets | $36,476,400 | 6,598 |
| Average earning assets | $33,528,400 | 6,570 |
| Average equity | $4,069,600 | 6,551 |
| Average total loans | $30,491,000 | 5,928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 519 |
| Cost of funding earning assets | 1.2723% | 495 |
| Net interest margin | 4.3708% | 1,276 |
| Noninterest income to average assets | 0.2845% | 5,509 |
| Noninterest expense to average assets | 3.1222% | 2,818 |
| Loan and lease loss provision to assets | 0.2439% | 2,614 |
| Net operating income to assets | 0.6233% | 4,277 |
| Return on assets (ROA) | 0.6281% | 4,509 |
| Pretax return on assets | 0.9496% | 3,918 |
| Return on Equity (ROE) | 5.5731% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.5731% | 2,985 |
| Net charge-offs to loans | 0.0350% | 5,154 |
| Credit loss provision to net charge-offs | 825.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 40.1115% | 880 |
| Efficiency ratio | 72.4700% | 3,237 |
| Assets per employee ($millions) | 3.0510% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 2,106 |
| Loan loss allowance to noncurrent loans | 47.0677% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 5.0120% | 894 |
| Noncurrent loans to loans | 4.2960% | 1,134 |
| Net loans and leases to total assets | 82.8499% | 290 |
| Net loans and leases to deposits | 93.8463% | 802 |
| Net loans and leases to core deposits | 94.7018% | 1,513 |
| Total domestic deposits to total assets | 88.2825% | 1,859 |
| Equity capital to assets | 11.3242% | 2,909 |
| Core capital (leverage) ratio | 11.3789% | 2,069 |
| Tier 1 risk-based capital ratio | 14.3819% | 4,278 |
| Total risk-based capital ratio | 15.6410% | 4,240 |
| Memoranda: | ||
| Average total assets | $36,084,750 | 6,686 |
| Average earning assets | $33,219,250 | 6,660 |
| Average equity | $4,067,000 | 6,624 |
| Average total loans | $30,482,750 | 6,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 489 |
| Cost of funding earning assets | 1.3083% | 507 |
| Net interest margin | 4.3851% | 1,246 |
| Noninterest income to average assets | 0.3175% | 5,279 |
| Noninterest expense to average assets | 3.0466% | 3,107 |
| Loan and lease loss provision to assets | 0.2506% | 2,574 |
| Net operating income to assets | 0.6944% | 3,898 |
| Return on assets (ROA) | 0.7018% | 4,123 |
| Pretax return on assets | 1.0638% | 3,447 |
| Return on Equity (ROE) | 6.2366% | 4,190 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,544 |
| Net charge-offs to loans | -0.0660% | 6,741 |
| Credit loss provision to net charge-offs | -450.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0384% | 3,755 |
| Assets per employee ($millions) | 3.0548% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 2,219 |
| Loan loss allowance to noncurrent loans | 53.0213% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 4.5830% | 1,071 |
| Noncurrent loans to loans | 3.7766% | 1,486 |
| Net loans and leases to total assets | 83.1765% | 256 |
| Net loans and leases to deposits | 95.5111% | 658 |
| Net loans and leases to core deposits | 96.3897% | 1,401 |
| Total domestic deposits to total assets | 87.0857% | 2,728 |
| Equity capital to assets | 11.1902% | 2,903 |
| Core capital (leverage) ratio | 11.4170% | 1,960 |
| Tier 1 risk-based capital ratio | 14.2263% | 4,283 |
| Total risk-based capital ratio | 15.4887% | 4,247 |
| Memoranda: | ||
| Average total assets | $35,909,000 | 6,739 |
| Average earning assets | $33,021,000 | 6,709 |
| Average equity | $4,040,670 | 6,667 |
| Average total loans | $30,324,000 | 6,049 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 429 |
| Cost of funding earning assets | 1.3568% | 498 |
| Net interest margin | 4.4370% | 1,145 |
| Noninterest income to average assets | 0.3940% | 4,716 |
| Noninterest expense to average assets | 3.0505% | 3,081 |
| Loan and lease loss provision to assets | 0.2702% | 2,296 |
| Net operating income to assets | 0.7654% | 3,538 |
| Return on assets (ROA) | 0.7654% | 3,777 |
| Pretax return on assets | 1.1594% | 3,072 |
| Return on Equity (ROE) | 6.7830% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.7830% | 2,533 |
| Net charge-offs to loans | -0.1203% | 6,856 |
| Credit loss provision to net charge-offs | -266.6667% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0905% | 4,153 |
| Assets per employee ($millions) | 2.9750% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 2,415 |
| Loan loss allowance to noncurrent loans | 64.4159% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 4.0280% | 1,361 |
| Noncurrent loans to loans | 3.0767% | 2,082 |
| Net loans and leases to total assets | 83.2605% | 206 |
| Net loans and leases to deposits | 94.4369% | 631 |
| Net loans and leases to core deposits | 94.4369% | 1,424 |
| Total domestic deposits to total assets | 88.1653% | 2,210 |
| Equity capital to assets | 11.3277% | 2,601 |
| Core capital (leverage) ratio | 11.5201% | 1,878 |
| Tier 1 risk-based capital ratio | 14.4387% | 4,156 |
| Total risk-based capital ratio | 15.6991% | 4,112 |
| Memoranda: | ||
| Average total assets | $35,535,000 | 6,809 |
| Average earning assets | $32,725,000 | 6,770 |
| Average equity | $4,010,000 | 6,710 |
| Average total loans | $29,929,500 | 6,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7788% | 668 |
| Cost of funding earning assets | 1.5783% | 520 |
| Net interest margin | 4.2006% | 2,056 |
| Noninterest income to average assets | 0.2897% | 5,463 |
| Noninterest expense to average assets | 3.0014% | 3,585 |
| Loan and lease loss provision to assets | 0.2700% | 3,516 |
| Net operating income to assets | 0.6020% | 3,990 |
| Return on assets (ROA) | 0.6020% | 4,179 |
| Pretax return on assets | 0.8889% | 3,642 |
| Return on Equity (ROE) | 5.4180% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.7850% | 4,255 |
| Net charge-offs to loans | 0.1542% | 4,906 |
| Credit loss provision to net charge-offs | 213.3333% | 1,148 |
| Earnings coverage of net charge-offs (x) | 9.1556% | 2,031 |
| Efficiency ratio | 72.1433% | 3,544 |
| Assets per employee ($millions) | 2.9475% | 6,202 |
| Cash dividends to net income (ytd only)* | 48.5981% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 2,497 |
| Loan loss allowance to noncurrent loans | 37.9933% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 5.6545% | 897 |
| Noncurrent loans to loans | 5.0620% | 1,108 |
| Net loans and leases to total assets | 81.8943% | 347 |
| Net loans and leases to deposits | 92.8904% | 892 |
| Net loans and leases to core deposits | 92.8904% | 1,805 |
| Total domestic deposits to total assets | 88.1623% | 2,049 |
| Equity capital to assets | 11.2412% | 2,748 |
| Core capital (leverage) ratio | 11.3376% | 2,012 |
| Tier 1 risk-based capital ratio | 14.3714% | 4,064 |
| Total risk-based capital ratio | 15.6329% | 4,024 |
| Memoranda: | ||
| Average total assets | $35,549,800 | 6,809 |
| Average earning assets | $32,757,600 | 6,785 |
| Average equity | $3,949,800 | 6,765 |
| Average total loans | $29,178,200 | 6,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 715 |
| Cost of funding earning assets | 1.6242% | 525 |
| Net interest margin | 4.1619% | 2,234 |
| Noninterest income to average assets | 0.2847% | 5,572 |
| Noninterest expense to average assets | 3.0116% | 3,519 |
| Loan and lease loss provision to assets | 0.2697% | 3,347 |
| Net operating income to assets | 0.5694% | 4,222 |
| Return on assets (ROA) | 0.5694% | 4,401 |
| Pretax return on assets | 0.8428% | 3,972 |
| Return on Equity (ROE) | 5.1394% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.1394% | 3,091 |
| Net charge-offs to loans | -0.0183% | 6,889 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0245% | 3,357 |
| Assets per employee ($millions) | 2.8953% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 2,308 |
| Loan loss allowance to noncurrent loans | 38.7582% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 5.8890% | 917 |
| Noncurrent loans to loans | 5.1873% | 1,179 |
| Net loans and leases to total assets | 83.1880% | 275 |
| Net loans and leases to deposits | 95.4933% | 726 |
| Net loans and leases to core deposits | 95.4933% | 1,652 |
| Total domestic deposits to total assets | 87.1140% | 2,579 |
| Equity capital to assets | 11.5649% | 2,627 |
| Core capital (leverage) ratio | 11.2770% | 2,174 |
| Tier 1 risk-based capital ratio | 14.5522% | 3,936 |
| Total risk-based capital ratio | 15.8125% | 3,908 |
| Memoranda: | ||
| Average total assets | $35,594,750 | 6,870 |
| Average earning assets | $32,836,500 | 6,847 |
| Average equity | $3,943,250 | 6,818 |
| Average total loans | $29,089,250 | 6,259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 813 |
| Cost of funding earning assets | 1.6387% | 599 |
| Net interest margin | 4.1029% | 2,398 |
| Noninterest income to average assets | 0.3066% | 5,446 |
| Noninterest expense to average assets | 2.9433% | 3,852 |
| Loan and lease loss provision to assets | 0.2676% | 3,257 |
| Net operating income to assets | 0.6020% | 4,057 |
| Return on assets (ROA) | 0.6020% | 4,194 |
| Pretax return on assets | 0.8919% | 3,647 |
| Return on Equity (ROE) | 5.5126% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.5126% | 2,687 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7391% | 3,789 |
| Assets per employee ($millions) | 3.0067% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,657 |
| Loan loss allowance to noncurrent loans | 49.0026% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 4.4013% | 1,432 |
| Noncurrent loans to loans | 3.8870% | 1,788 |
| Net loans and leases to total assets | 80.6486% | 480 |
| Net loans and leases to deposits | 96.5524% | 685 |
| Net loans and leases to core deposits | 96.5524% | 1,623 |
| Total domestic deposits to total assets | 83.5283% | 4,542 |
| Equity capital to assets | 11.0144% | 2,934 |
| Core capital (leverage) ratio | 11.1451% | 2,147 |
| Tier 1 risk-based capital ratio | 14.3249% | 3,919 |
| Total risk-based capital ratio | 15.5829% | 3,892 |
| Memoranda: | ||
| Average total assets | $35,878,670 | 6,921 |
| Average earning assets | $33,196,330 | 6,898 |
| Average equity | $3,918,330 | 6,868 |
| Average total loans | $28,954,000 | 6,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 851 |
| Cost of funding earning assets | 1.7038% | 544 |
| Net interest margin | 4.0118% | 2,637 |
| Noninterest income to average assets | 0.3801% | 4,875 |
| Noninterest expense to average assets | 3.0186% | 3,561 |
| Loan and lease loss provision to assets | 0.2683% | 2,993 |
| Net operating income to assets | 0.5478% | 4,278 |
| Return on assets (ROA) | 0.5478% | 4,362 |
| Pretax return on assets | 0.8050% | 3,884 |
| Return on Equity (ROE) | 5.0379% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.0379% | 3,169 |
| Net charge-offs to loans | 0.0140% | 4,886 |
| Credit loss provision to net charge-offs | 2,400.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 328 |
| Efficiency ratio | 73.7705% | 3,553 |
| Assets per employee ($millions) | 3.2308% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 2,821 |
| Loan loss allowance to noncurrent loans | 53.6246% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.0575% | 1,649 |
| Noncurrent loans to loans | 3.4703% | 2,149 |
| Net loans and leases to total assets | 80.1317% | 503 |
| Net loans and leases to deposits | 92.0248% | 1,020 |
| Net loans and leases to core deposits | 92.0248% | 2,128 |
| Total domestic deposits to total assets | 87.0762% | 2,907 |
| Equity capital to assets | 11.0161% | 2,670 |
| Core capital (leverage) ratio | 11.0910% | 2,120 |
| Tier 1 risk-based capital ratio | 14.2732% | 3,891 |
| Total risk-based capital ratio | 15.5310% | 3,839 |
| Memoranda: | ||
| Average total assets | $35,778,000 | 6,972 |
| Average earning assets | $33,102,500 | 6,952 |
| Average equity | $3,890,500 | 6,913 |
| Average total loans | $28,599,500 | 6,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0141% | 827 |
| Cost of funding earning assets | 2.0511% | 506 |
| Net interest margin | 3.9630% | 3,194 |
| Noninterest income to average assets | 0.2653% | 5,890 |
| Noninterest expense to average assets | 3.1605% | 3,236 |
| Loan and lease loss provision to assets | 0.2054% | 5,186 |
| Net operating income to assets | 0.3993% | 4,540 |
| Return on assets (ROA) | 0.3993% | 4,681 |
| Pretax return on assets | 0.5534% | 4,466 |
| Return on Equity (ROE) | 3.6019% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.9262% | 5,090 |
| Net charge-offs to loans | 0.3260% | 4,383 |
| Credit loss provision to net charge-offs | 76.5957% | 5,678 |
| Earnings coverage of net charge-offs (x) | 2.8298% | 3,662 |
| Efficiency ratio | 80.6405% | 2,327 |
| Assets per employee ($millions) | 3.0014% | 6,096 |
| Cash dividends to net income (ytd only)* | 74.2857% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 2,737 |
| Loan loss allowance to noncurrent loans | 39.3455% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 4.8560% | 1,338 |
| Noncurrent loans to loans | 4.6627% | 1,499 |
| Net loans and leases to total assets | 76.8082% | 1,128 |
| Net loans and leases to deposits | 86.5636% | 1,996 |
| Net loans and leases to core deposits | 86.5636% | 3,245 |
| Total domestic deposits to total assets | 88.7303% | 1,806 |
| Equity capital to assets | 10.7338% | 2,921 |
| Core capital (leverage) ratio | 10.8483% | 2,271 |
| Tier 1 risk-based capital ratio | 14.3190% | 3,665 |
| Total risk-based capital ratio | 15.5784% | 3,610 |
| Memoranda: | ||
| Average total assets | $35,058,000 | 7,043 |
| Average earning assets | $32,324,000 | 7,005 |
| Average equity | $3,886,800 | 7,034 |
| Average total loans | $28,832,000 | 6,453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1491% | 683 |
| Cost of funding earning assets | 2.1245% | 492 |
| Net interest margin | 4.0245% | 2,987 |
| Noninterest income to average assets | 0.2834% | 5,846 |
| Noninterest expense to average assets | 3.0405% | 3,606 |
| Loan and lease loss provision to assets | 0.2068% | 4,990 |
| Net operating income to assets | 0.5131% | 4,250 |
| Return on assets (ROA) | 0.5131% | 4,441 |
| Pretax return on assets | 0.7429% | 4,105 |
| Return on Equity (ROE) | 4.5904% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.5904% | 3,273 |
| Net charge-offs to loans | 0.2253% | 4,582 |
| Credit loss provision to net charge-offs | 110.2041% | 3,841 |
| Earnings coverage of net charge-offs (x) | 5.0614% | 2,859 |
| Efficiency ratio | 76.1996% | 2,910 |
| Assets per employee ($millions) | 3.1805% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 2,409 |
| Loan loss allowance to noncurrent loans | 79.0698% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 3.2099% | 2,227 |
| Noncurrent loans to loans | 2.4369% | 3,194 |
| Net loans and leases to total assets | 79.1453% | 865 |
| Net loans and leases to deposits | 89.8381% | 1,748 |
| Net loans and leases to core deposits | 89.8381% | 3,118 |
| Total domestic deposits to total assets | 88.0978% | 1,904 |
| Equity capital to assets | 11.3306% | 2,676 |
| Core capital (leverage) ratio | 11.5616% | 1,903 |
| Tier 1 risk-based capital ratio | 15.0294% | 3,237 |
| Total risk-based capital ratio | 16.2882% | 3,222 |
| Memoranda: | ||
| Average total assets | $34,818,250 | 7,138 |
| Average earning assets | $32,069,000 | 7,096 |
| Average equity | $3,892,000 | 7,117 |
| Average total loans | $28,994,750 | 6,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9423% | 1,074 |
| Cost of funding earning assets | 2.1847% | 487 |
| Net interest margin | 3.7576% | 4,100 |
| Noninterest income to average assets | 0.3222% | 5,581 |
| Noninterest expense to average assets | 3.0262% | 3,613 |
| Loan and lease loss provision to assets | 0.2071% | 4,803 |
| Net operating income to assets | 0.3970% | 4,770 |
| Return on assets (ROA) | 0.3970% | 4,930 |
| Pretax return on assets | 0.5523% | 4,731 |
| Return on Equity (ROE) | 3.5677% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.5677% | 3,833 |
| Net charge-offs to loans | 0.2940% | 3,854 |
| Credit loss provision to net charge-offs | 83.7209% | 4,601 |
| Earnings coverage of net charge-offs (x) | 3.0698% | 3,468 |
| Efficiency ratio | 79.9392% | 2,457 |
| Assets per employee ($millions) | 2.8691% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 2,619 |
| Loan loss allowance to noncurrent loans | 44.5561% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 4.7315% | 1,368 |
| Noncurrent loans to loans | 4.1188% | 1,818 |
| Net loans and leases to total assets | 82.6542% | 472 |
| Net loans and leases to deposits | 93.7597% | 1,308 |
| Net loans and leases to core deposits | 93.7597% | 2,752 |
| Total domestic deposits to total assets | 88.1553% | 1,926 |
| Equity capital to assets | 11.3248% | 2,573 |
| Core capital (leverage) ratio | 11.3024% | 2,035 |
| Tier 1 risk-based capital ratio | 14.4263% | 3,483 |
| Total risk-based capital ratio | 15.6843% | 3,446 |
| Memoranda: | ||
| Average total assets | $34,762,670 | 7,185 |
| Average earning assets | $32,041,330 | 7,156 |
| Average equity | $3,868,000 | 7,159 |
| Average total loans | $29,248,670 | 6,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1202% | 750 |
| Cost of funding earning assets | 2.2626% | 477 |
| Net interest margin | 3.8576% | 3,525 |
| Noninterest income to average assets | 0.3894% | 5,004 |
| Noninterest expense to average assets | 3.0118% | 3,636 |
| Loan and lease loss provision to assets | 0.2061% | 4,439 |
| Net operating income to assets | 0.5153% | 4,318 |
| Return on assets (ROA) | 0.5153% | 4,461 |
| Pretax return on assets | 0.7444% | 4,081 |
| Return on Equity (ROE) | 4.6723% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.6723% | 3,337 |
| Net charge-offs to loans | 0.0272% | 5,191 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 667 |
| Efficiency ratio | 76.0116% | 3,212 |
| Assets per employee ($millions) | 3.1553% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 2,456 |
| Loan loss allowance to noncurrent loans | 44.9757% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 3.7974% | 1,831 |
| Noncurrent loans to loans | 4.2179% | 1,826 |
| Net loans and leases to total assets | 82.6928% | 511 |
| Net loans and leases to deposits | 96.1830% | 1,081 |
| Net loans and leases to core deposits | 96.8255% | 2,485 |
| Total domestic deposits to total assets | 85.9744% | 3,166 |
| Equity capital to assets | 11.1646% | 2,622 |
| Core capital (leverage) ratio | 11.1649% | 2,122 |
| Tier 1 risk-based capital ratio | 14.5332% | 3,358 |
| Total risk-based capital ratio | 15.7934% | 3,322 |
| Memoranda: | ||
| Average total assets | $34,929,500 | 7,274 |
| Average earning assets | $32,352,000 | 7,229 |
| Average equity | $3,852,500 | 7,232 |
| Average total loans | $29,378,500 | 6,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2961% | 1,036 |
| Cost of funding earning assets | 2.5669% | 862 |
| Net interest margin | 3.7292% | 4,005 |
| Noninterest income to average assets | 0.3120% | 5,849 |
| Noninterest expense to average assets | 2.9845% | 4,212 |
| Loan and lease loss provision to assets | 0.2080% | 5,679 |
| Net operating income to assets | 0.4255% | 4,027 |
| Return on assets (ROA) | 0.4276% | 4,121 |
| Pretax return on assets | 0.5894% | 3,928 |
| Return on Equity (ROE) | 3.8446% | 4,149 |
| Retained earnings to average equity (ytd only) | 1.1430% | 4,249 |
| Net charge-offs to loans | 0.1444% | 5,797 |
| Credit loss provision to net charge-offs | 171.4286% | 2,480 |
| Earnings coverage of net charge-offs (x) | 6.5476% | 2,341 |
| Efficiency ratio | 78.9755% | 3,044 |
| Assets per employee ($millions) | 3.1955% | 5,731 |
| Cash dividends to net income (ytd only)* | 70.2703% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 2,458 |
| Loan loss allowance to noncurrent loans | 42.0109% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 3.6500% | 1,823 |
| Noncurrent loans to loans | 4.3490% | 1,649 |
| Net loans and leases to total assets | 82.3931% | 631 |
| Net loans and leases to deposits | 95.4550% | 1,399 |
| Net loans and leases to core deposits | 109.4310% | 2,959 |
| Total domestic deposits to total assets | 86.3162% | 2,861 |
| Equity capital to assets | 10.8958% | 2,779 |
| Core capital (leverage) ratio | 10.9276% | 2,267 |
| Tier 1 risk-based capital ratio | 14.3188% | 3,311 |
| Total risk-based capital ratio | 15.5787% | 3,254 |
| Memoranda: | ||
| Average total assets | $34,612,600 | 7,297 |
| Average earning assets | $32,178,600 | 7,250 |
| Average equity | $3,849,600 | 7,341 |
| Average total loans | $29,088,800 | 6,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3047% | 1,130 |
| Cost of funding earning assets | 2.6266% | 965 |
| Net interest margin | 3.6781% | 4,175 |
| Noninterest income to average assets | 0.3094% | 6,011 |
| Noninterest expense to average assets | 2.8230% | 4,797 |
| Loan and lease loss provision to assets | 0.2088% | 5,311 |
| Net operating income to assets | 0.5000% | 3,984 |
| Return on assets (ROA) | 0.5027% | 4,062 |
| Pretax return on assets | 0.7038% | 3,843 |
| Return on Equity (ROE) | 4.4968% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.4968% | 2,758 |
| Net charge-offs to loans | 0.0874% | 5,815 |
| Credit loss provision to net charge-offs | 284.2105% | 1,473 |
| Earnings coverage of net charge-offs (x) | 12.3699% | 1,767 |
| Efficiency ratio | 75.6477% | 3,568 |
| Assets per employee ($millions) | 3.1243% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 2,128 |
| Loan loss allowance to noncurrent loans | 52.8669% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.9942% | 2,316 |
| Noncurrent loans to loans | 3.5213% | 2,128 |
| Net loans and leases to total assets | 83.4463% | 614 |
| Net loans and leases to deposits | 97.3224% | 1,399 |
| Net loans and leases to core deposits | 111.5441% | 3,064 |
| Total domestic deposits to total assets | 85.7421% | 2,837 |
| Equity capital to assets | 11.3947% | 2,676 |
| Core capital (leverage) ratio | 11.4543% | 2,096 |
| Tier 1 risk-based capital ratio | 14.8999% | 3,090 |
| Total risk-based capital ratio | 16.1593% | 3,021 |
| Memoranda: | ||
| Average total assets | $34,478,000 | 7,365 |
| Average earning assets | $32,081,250 | 7,321 |
| Average equity | $3,854,500 | 7,399 |
| Average total loans | $28,985,750 | 6,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2677% | 1,290 |
| Cost of funding earning assets | 2.7013% | 1,024 |
| Net interest margin | 3.5664% | 4,514 |
| Noninterest income to average assets | 0.2897% | 6,201 |
| Noninterest expense to average assets | 2.6134% | 5,694 |
| Loan and lease loss provision to assets | 0.2086% | 4,957 |
| Net operating income to assets | 0.5522% | 3,868 |
| Return on assets (ROA) | 0.5563% | 3,968 |
| Pretax return on assets | 0.7939% | 3,692 |
| Return on Equity (ROE) | 5.0078% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.0078% | 2,499 |
| Net charge-offs to loans | 0.1245% | 4,917 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 2,108 |
| Efficiency ratio | 72.3917% | 4,329 |
| Assets per employee ($millions) | 2.8578% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 2,106 |
| Loan loss allowance to noncurrent loans | 44.3976% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.4612% | 1,797 |
| Noncurrent loans to loans | 4.0070% | 1,690 |
| Net loans and leases to total assets | 84.8428% | 527 |
| Net loans and leases to deposits | 98.9256% | 1,398 |
| Net loans and leases to core deposits | 112.8496% | 3,033 |
| Total domestic deposits to total assets | 85.7643% | 2,897 |
| Equity capital to assets | 11.3198% | 2,661 |
| Core capital (leverage) ratio | 11.3053% | 2,189 |
| Tier 1 risk-based capital ratio | 14.4732% | 3,267 |
| Total risk-based capital ratio | 15.7334% | 3,198 |
| Memoranda: | ||
| Average total assets | $34,515,000 | 7,427 |
| Average earning assets | $32,133,000 | 7,392 |
| Average equity | $3,834,000 | 7,463 |
| Average total loans | $28,907,000 | 6,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3194% | 1,242 |
| Cost of funding earning assets | 2.7562% | 1,096 |
| Net interest margin | 3.5632% | 4,475 |
| Noninterest income to average assets | 0.3004% | 6,036 |
| Noninterest expense to average assets | 2.6339% | 5,305 |
| Loan and lease loss provision to assets | 0.2079% | 4,360 |
| Net operating income to assets | 0.5545% | 4,204 |
| Return on assets (ROA) | 0.5545% | 4,387 |
| Pretax return on assets | 0.7740% | 4,177 |
| Return on Equity (ROE) | 5.0394% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.0394% | 3,105 |
| Net charge-offs to loans | -0.0420% | 7,650 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8435% | 4,027 |
| Assets per employee ($millions) | 3.1584% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8282% | 1,788 |
| Loan loss allowance to noncurrent loans | 61.6279% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.4754% | 2,317 |
| Noncurrent loans to loans | 2.9665% | 2,202 |
| Net loans and leases to total assets | 81.9181% | 1,032 |
| Net loans and leases to deposits | 92.7157% | 2,482 |
| Net loans and leases to core deposits | 105.0689% | 4,020 |
| Total domestic deposits to total assets | 88.3542% | 1,547 |
| Equity capital to assets | 11.0356% | 2,934 |
| Core capital (leverage) ratio | 11.1834% | 2,351 |
| Tier 1 risk-based capital ratio | 14.6515% | 3,229 |
| Total risk-based capital ratio | 15.9087% | 3,154 |
| Memoranda: | ||
| Average total assets | $34,625,500 | 7,465 |
| Average earning assets | $32,218,000 | 7,430 |
| Average equity | $3,810,000 | 7,515 |
| Average total loans | $28,549,000 | 6,843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9888% | 1,164 |
| Cost of funding earning assets | 3.0117% | 1,834 |
| Net interest margin | 3.9770% | 3,229 |
| Noninterest income to average assets | 0.2701% | 6,522 |
| Noninterest expense to average assets | 2.9091% | 4,418 |
| Loan and lease loss provision to assets | 0.2114% | 4,782 |
| Net operating income to assets | 0.6194% | 4,229 |
| Return on assets (ROA) | 0.6194% | 4,083 |
| Pretax return on assets | 0.8748% | 3,812 |
| Return on Equity (ROE) | 5.5856% | 4,121 |
| Retained earnings to average equity (ytd only) | 2.8060% | 3,433 |
| Net charge-offs to loans | 0.0956% | 5,370 |
| Credit loss provision to net charge-offs | 266.6667% | 1,733 |
| Earnings coverage of net charge-offs (x) | 13.7037% | 2,112 |
| Efficiency ratio | 72.8141% | 3,793 |
| Assets per employee ($millions) | 3.1372% | 5,661 |
| Cash dividends to net income (ytd only)* | 49.7630% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 1,605 |
| Loan loss allowance to noncurrent loans | 131.1856% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 4,027 |
| Noncurrent loans to loans | 1.3804% | 3,759 |
| Net loans and leases to total assets | 79.9762% | 1,669 |
| Net loans and leases to deposits | 90.4470% | 3,378 |
| Net loans and leases to core deposits | 103.0121% | 4,504 |
| Total domestic deposits to total assets | 88.4233% | 1,280 |
| Equity capital to assets | 10.9711% | 3,067 |
| Core capital (leverage) ratio | 10.8928% | 2,675 |
| Tier 1 risk-based capital ratio | 14.9508% | 3,068 |
| Total risk-based capital ratio | 16.2066% | 2,982 |
| Memoranda: | ||
| Average total assets | $34,065,200 | 7,456 |
| Average earning assets | $31,908,400 | 7,412 |
| Average equity | $3,777,600 | 7,584 |
| Average total loans | $28,239,600 | 6,825 |