Home > The First National Bank of Wakefield > Performance and Condition Ratios
The First National Bank of Wakefield, 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 | 3.7817% | 4,196 |
| Cost of funding earning assets | 0.2507% | 4,414 |
| Net interest margin | 3.5310% | 2,119 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.9993% | 1,127 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5701% | 3,514 |
| Return on assets (ROA) | 0.5538% | 3,546 |
| Pretax return on assets | 0.6699% | 3,497 |
| Return on Equity (ROE) | 7.9200% | 3,041 |
| Retained earnings to average equity (ytd only) | 2.8101% | 3,342 |
| Net charge-offs to loans | 0.1663% | 631 |
| Credit loss provision to net charge-offs | 52.6316% | 2,183 |
| Earnings coverage of net charge-offs (x) | 10.6842% | 2,226 |
| Efficiency ratio | 80.5276% | 885 |
| Assets per employee ($millions) | 4.2452% | 4,064 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 1,960 |
| Loan loss allowance to noncurrent loans | 1,107.6923% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 2,528 |
| Noncurrent loans to loans | 0.1139% | 2,958 |
| Net loans and leases to total assets | 40.8600% | 4,006 |
| Net loans and leases to deposits | 44.7779% | 4,079 |
| Net loans and leases to core deposits | 48.3468% | 4,116 |
| Total domestic deposits to total assets | 91.2400% | 443 |
| Equity capital to assets | 7.5416% | 3,697 |
| Core capital (leverage) ratio | 9.2086% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5852% | 446 |
| Memoranda: | ||
| Average total assets | $55,979,600 | 4,255 |
| Average earning assets | $53,045,200 | 4,217 |
| Average equity | $3,914,400 | 4,361 |
| Average total loans | $22,850,600 | 4,253 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,204 |
| Cost of funding earning assets | 0.2207% | 4,424 |
| Net interest margin | 3.4878% | 2,238 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.9382% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6509% | 3,428 |
| Return on assets (ROA) | 0.6289% | 3,470 |
| Pretax return on assets | 0.7500% | 3,450 |
| Return on Equity (ROE) | 9.1700% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.9800% | 3,264 |
| Net charge-offs to loans | 0.0642% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 29.7273% | 1,597 |
| Efficiency ratio | 79.1054% | 918 |
| Assets per employee ($millions) | 4.7216% | 3,792 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 1,902 |
| Loan loss allowance to noncurrent loans | 212.2302% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 1,652 |
| Noncurrent loans to loans | 0.6088% | 1,325 |
| Net loans and leases to total assets | 39.7700% | 4,064 |
| Net loans and leases to deposits | 42.7406% | 4,140 |
| Net loans and leases to core deposits | 46.2959% | 4,121 |
| Total domestic deposits to total assets | 93.0600% | 286 |
| Equity capital to assets | 6.7474% | 3,729 |
| Core capital (leverage) ratio | 9.0114% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9656% | 493 |
| Memoranda: | ||
| Average total assets | $56,177,750 | 4,270 |
| Average earning assets | $53,174,000 | 4,231 |
| Average equity | $3,852,500 | 4,379 |
| Average total loans | $22,854,500 | 4,273 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,234 |
| Cost of funding earning assets | 0.2071% | 4,426 |
| Net interest margin | 3.4083% | 2,495 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.9027% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5721% | 3,649 |
| Return on assets (ROA) | 0.5391% | 3,736 |
| Pretax return on assets | 0.6427% | 3,718 |
| Return on Equity (ROE) | 7.8200% | 3,284 |
| Retained earnings to average equity (ytd only) | 2.6409% | 3,566 |
| Net charge-offs to loans | 0.0787% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.2222% | 1,728 |
| Efficiency ratio | 80.9761% | 779 |
| Assets per employee ($millions) | 4.2509% | 4,085 |
| Cash dividends to net income (ytd only)* | 66.2252% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 1,939 |
| Loan loss allowance to noncurrent loans | 108.0000% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 902 |
| Noncurrent loans to loans | 1.2024% | 588 |
| Net loans and leases to total assets | 40.8500% | 4,011 |
| Net loans and leases to deposits | 44.4517% | 4,082 |
| Net loans and leases to core deposits | 47.7968% | 4,073 |
| Total domestic deposits to total assets | 91.8900% | 437 |
| Equity capital to assets | 7.0501% | 3,766 |
| Core capital (leverage) ratio | 9.1009% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1299% | 478 |
| Memoranda: | ||
| Average total assets | $56,017,333 | 4,292 |
| Average earning assets | $53,106,333 | 4,255 |
| Average equity | $3,862,333 | 4,402 |
| Average total loans | $22,862,667 | 4,288 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,232 |
| Cost of funding earning assets | 0.1646% | 4,431 |
| Net interest margin | 3.3662% | 2,718 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.8655% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5958% | 3,698 |
| Return on assets (ROA) | 0.5958% | 3,666 |
| Pretax return on assets | 0.6880% | 3,689 |
| Return on Equity (ROE) | 8.7400% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.5366% | 3,387 |
| Net charge-offs to loans | -0.0175% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.6387% | 784 |
| Assets per employee ($millions) | 4.3158% | 4,122 |
| Cash dividends to net income (ytd only)* | 59.5238% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 1,833 |
| Loan loss allowance to noncurrent loans | 140.8257% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 1,056 |
| Noncurrent loans to loans | 0.9567% | 784 |
| Net loans and leases to total assets | 40.0700% | 4,036 |
| Net loans and leases to deposits | 43.1392% | 4,123 |
| Net loans and leases to core deposits | 46.4164% | 4,098 |
| Total domestic deposits to total assets | 92.8700% | 327 |
| Equity capital to assets | 6.9529% | 3,853 |
| Core capital (leverage) ratio | 8.9974% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0261% | 499 |
| Memoranda: | ||
| Average total assets | $56,395,000 | 4,347 |
| Average earning assets | $53,473,500 | 4,310 |
| Average equity | $3,845,500 | 4,468 |
| Average total loans | $22,859,000 | 4,352 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3502% | 3,470 |
| Cost of funding earning assets | 0.1290% | 4,236 |
| Net interest margin | 3.2212% | 2,803 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.7772% | 1,362 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4592% | 4,157 |
| Return on assets (ROA) | 0.4387% | 4,157 |
| Pretax return on assets | 0.5104% | 4,159 |
| Return on Equity (ROE) | 6.9800% | 3,644 |
| Retained earnings to average equity (ytd only) | 1.4114% | 4,121 |
| Net charge-offs to loans | 0.0413% | 1,285 |
| Credit loss provision to net charge-offs | 255.5556% | 990 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 1,546 |
| Efficiency ratio | 82.8833% | 549 |
| Assets per employee ($millions) | 4.7237% | 3,873 |
| Cash dividends to net income (ytd only)* | 79.7665% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,747 |
| Loan loss allowance to noncurrent loans | 126.4463% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 1,202 |
| Noncurrent loans to loans | 1.0553% | 687 |
| Net loans and leases to total assets | 39.9200% | 4,071 |
| Net loans and leases to deposits | 44.0658% | 4,114 |
| Net loans and leases to core deposits | 46.5795% | 4,098 |
| Total domestic deposits to total assets | 90.5800% | 1,120 |
| Equity capital to assets | 6.6862% | 3,821 |
| Core capital (leverage) ratio | 8.7823% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2750% | 531 |
| Memoranda: | ||
| Average total assets | $58,585,200 | 4,344 |
| Average earning assets | $55,042,200 | 4,322 |
| Average equity | $3,684,400 | 4,553 |
| Average total loans | $21,777,400 | 4,383 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 3,245 |
| Cost of funding earning assets | 0.1155% | 4,155 |
| Net interest margin | 3.1609% | 2,740 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.7316% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4946% | 4,089 |
| Return on assets (ROA) | 0.4967% | 4,028 |
| Pretax return on assets | 0.5531% | 4,061 |
| Return on Equity (ROE) | 8.0200% | 3,324 |
| Retained earnings to average equity (ytd only) | 2.5514% | 3,905 |
| Net charge-offs to loans | 0.0248% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,163 |
| Efficiency ratio | 83.2187% | 593 |
| Assets per employee ($millions) | 4.7657% | 3,863 |
| Cash dividends to net income (ytd only)* | 68.1818% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,065 |
| Loan loss allowance to noncurrent loans | 364.5570% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,638 |
| Noncurrent loans to loans | 0.3546% | 1,961 |
| Net loans and leases to total assets | 38.4600% | 4,129 |
| Net loans and leases to deposits | 40.5024% | 4,223 |
| Net loans and leases to core deposits | 43.4170% | 4,185 |
| Total domestic deposits to total assets | 94.9500% | 231 |
| Equity capital to assets | 4.8437% | 4,321 |
| Core capital (leverage) ratio | 8.5938% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5598% | 522 |
| Memoranda: | ||
| Average total assets | $59,060,500 | 4,379 |
| Average earning assets | $55,426,500 | 4,357 |
| Average equity | $3,658,000 | 4,600 |
| Average total loans | $21,488,750 | 4,416 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1627% | 3,157 |
| Cost of funding earning assets | 0.1214% | 3,945 |
| Net interest margin | 3.0414% | 2,755 |
| Noninterest income to average assets | 0.3217% | 3,249 |
| Noninterest expense to average assets | 2.6640% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4694% | 3,969 |
| Return on assets (ROA) | 0.4725% | 3,913 |
| Pretax return on assets | 0.5160% | 3,967 |
| Return on Equity (ROE) | 7.1320% | 3,280 |
| Retained earnings to average equity (ytd only) | 2.0738% | 3,731 |
| Net charge-offs to loans | 0.0094% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 632 |
| Efficiency ratio | 83.8608% | 689 |
| Assets per employee ($millions) | 4.8601% | 3,802 |
| Cash dividends to net income (ytd only)* | 70.9220% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,060 |
| Loan loss allowance to noncurrent loans | 150.7772% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 1,677 |
| Noncurrent loans to loans | 0.8803% | 961 |
| Net loans and leases to total assets | 37.0930% | 4,203 |
| Net loans and leases to deposits | 39.4238% | 4,288 |
| Net loans and leases to core deposits | 41.7601% | 4,268 |
| Total domestic deposits to total assets | 94.0879% | 267 |
| Equity capital to assets | 5.7218% | 4,294 |
| Core capital (leverage) ratio | 8.5912% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8698% | 483 |
| Memoranda: | ||
| Average total assets | $59,684,667 | 4,415 |
| Average earning assets | $56,027,667 | 4,401 |
| Average equity | $3,954,000 | 4,621 |
| Average total loans | $21,225,000 | 4,478 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0045% | 3,244 |
| Cost of funding earning assets | 0.1202% | 3,894 |
| Net interest margin | 2.8843% | 2,895 |
| Noninterest income to average assets | 0.3181% | 3,192 |
| Noninterest expense to average assets | 2.5643% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4115% | 3,928 |
| Return on assets (ROA) | 0.4175% | 3,883 |
| Pretax return on assets | 0.4638% | 3,926 |
| Return on Equity (ROE) | 5.9120% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.1584% | 3,504 |
| Net charge-offs to loans | 0.1150% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,435 |
| Efficiency ratio | 84.8684% | 791 |
| Assets per employee ($millions) | 4.5110% | 4,131 |
| Cash dividends to net income (ytd only)* | 63.4921% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,127 |
| Loan loss allowance to noncurrent loans | 213.4328% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 2,276 |
| Noncurrent loans to loans | 0.6310% | 1,488 |
| Net loans and leases to total assets | 35.7246% | 4,231 |
| Net loans and leases to deposits | 38.3026% | 4,312 |
| Net loans and leases to core deposits | 40.4854% | 4,300 |
| Total domestic deposits to total assets | 93.2694% | 210 |
| Equity capital to assets | 6.5924% | 4,386 |
| Core capital (leverage) ratio | 8.3692% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6702% | 452 |
| Memoranda: | ||
| Average total assets | $60,366,500 | 4,432 |
| Average earning assets | $56,581,500 | 4,416 |
| Average equity | $4,262,500 | 4,634 |
| Average total loans | $20,875,500 | 4,503 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 3,471 |
| Cost of funding earning assets | 0.1512% | 3,962 |
| Net interest margin | 3.0480% | 3,054 |
| Noninterest income to average assets | 0.3339% | 3,415 |
| Noninterest expense to average assets | 2.7455% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3721% | 4,316 |
| Return on assets (ROA) | 0.3778% | 4,339 |
| Pretax return on assets | 0.4503% | 4,331 |
| Return on Equity (ROE) | 4.6643% | 4,068 |
| Retained earnings to average equity (ytd only) | 0.4998% | 4,374 |
| Net charge-offs to loans | 0.0289% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 43.8333% | 1,379 |
| Efficiency ratio | 86.0920% | 471 |
| Assets per employee ($millions) | 4.4350% | 4,164 |
| Cash dividends to net income (ytd only)* | 89.2857% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,829 |
| Loan loss allowance to noncurrent loans | 1,269.5652% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,762 |
| Noncurrent loans to loans | 0.1121% | 3,366 |
| Net loans and leases to total assets | 32.5705% | 4,428 |
| Net loans and leases to deposits | 35.2520% | 4,496 |
| Net loans and leases to core deposits | 37.1091% | 4,490 |
| Total domestic deposits to total assets | 92.3933% | 105 |
| Equity capital to assets | 7.5036% | 4,588 |
| Core capital (leverage) ratio | 8.0495% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,296,000 | 4,463 |
| Average earning assets | $55,544,800 | 4,446 |
| Average equity | $4,802,400 | 4,648 |
| Average total loans | $20,783,200 | 4,555 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 3,440 |
| Cost of funding earning assets | 0.1530% | 4,083 |
| Net interest margin | 3.1274% | 2,976 |
| Noninterest income to average assets | 0.3459% | 3,382 |
| Noninterest expense to average assets | 2.7122% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4769% | 4,245 |
| Return on assets (ROA) | 0.4847% | 4,280 |
| Pretax return on assets | 0.5734% | 4,270 |
| Return on Equity (ROE) | 5.8697% | 3,943 |
| Retained earnings to average equity (ytd only) | 1.7361% | 4,263 |
| Net charge-offs to loans | 0.0192% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 82.6667% | 964 |
| Efficiency ratio | 82.7778% | 593 |
| Assets per employee ($millions) | 4.4516% | 4,157 |
| Cash dividends to net income (ytd only)* | 70.4225% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 2,118 |
| Loan loss allowance to noncurrent loans | 4,916.6667% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,171 |
| Noncurrent loans to loans | 0.0280% | 3,996 |
| Net loans and leases to total assets | 33.9024% | 4,474 |
| Net loans and leases to deposits | 36.7915% | 4,552 |
| Net loans and leases to core deposits | 39.2055% | 4,534 |
| Total domestic deposits to total assets | 92.1474% | 97 |
| Equity capital to assets | 7.7227% | 4,642 |
| Core capital (leverage) ratio | 8.1585% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,597,500 | 4,528 |
| Average earning assets | $54,910,500 | 4,505 |
| Average equity | $4,838,250 | 4,718 |
| Average total loans | $20,850,250 | 4,620 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 3,302 |
| Cost of funding earning assets | 0.1606% | 4,116 |
| Net interest margin | 3.1905% | 2,781 |
| Noninterest income to average assets | 0.3836% | 3,199 |
| Noninterest expense to average assets | 2.7268% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5357% | 4,148 |
| Return on assets (ROA) | 0.5475% | 4,164 |
| Pretax return on assets | 0.6486% | 4,160 |
| Return on Equity (ROE) | 6.4787% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.3521% | 4,035 |
| Net charge-offs to loans | 0.0871% | 807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 20.2222% | 1,530 |
| Efficiency ratio | 81.1203% | 719 |
| Assets per employee ($millions) | 3.9659% | 4,470 |
| Cash dividends to net income (ytd only)* | 63.6943% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,193 |
| Loan loss allowance to noncurrent loans | 9,633.3333% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,288 |
| Noncurrent loans to loans | 0.0140% | 4,170 |
| Net loans and leases to total assets | 35.5282% | 4,475 |
| Net loans and leases to deposits | 38.7528% | 4,555 |
| Net loans and leases to core deposits | 40.6200% | 4,565 |
| Total domestic deposits to total assets | 91.6790% | 199 |
| Equity capital to assets | 8.1697% | 4,445 |
| Core capital (leverage) ratio | 8.4367% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,355,667 | 4,570 |
| Average earning assets | $53,534,333 | 4,556 |
| Average equity | $4,846,667 | 4,740 |
| Average total loans | $20,659,000 | 4,655 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 3,196 |
| Cost of funding earning assets | 0.1650% | 4,197 |
| Net interest margin | 3.2333% | 2,593 |
| Noninterest income to average assets | 0.2487% | 3,911 |
| Noninterest expense to average assets | 2.8353% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4090% | 4,346 |
| Return on assets (ROA) | 0.4335% | 4,331 |
| Pretax return on assets | 0.5045% | 4,344 |
| Return on Equity (ROE) | 5.0413% | 4,079 |
| Retained earnings to average equity (ytd only) | 1.3223% | 4,154 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6223% | 526 |
| Assets per employee ($millions) | 3.8065% | 4,580 |
| Cash dividends to net income (ytd only)* | 73.7705% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,735 |
| Loan loss allowance to noncurrent loans | 189.8089% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 2,778 |
| Noncurrent loans to loans | 0.7692% | 1,703 |
| Net loans and leases to total assets | 35.2254% | 4,541 |
| Net loans and leases to deposits | 38.5034% | 4,611 |
| Net loans and leases to core deposits | 40.3252% | 4,614 |
| Total domestic deposits to total assets | 91.4866% | 246 |
| Equity capital to assets | 8.3103% | 4,269 |
| Core capital (leverage) ratio | 8.7072% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,289,500 | 4,601 |
| Average earning assets | $53,320,000 | 4,575 |
| Average equity | $4,840,000 | 4,759 |
| Average total loans | $20,276,500 | 4,686 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 3,291 |
| Cost of funding earning assets | 0.2791% | 4,254 |
| Net interest margin | 3.5244% | 2,398 |
| Noninterest income to average assets | 0.2989% | 3,690 |
| Noninterest expense to average assets | 3.1054% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4624% | 4,114 |
| Return on assets (ROA) | 0.4624% | 4,196 |
| Pretax return on assets | 0.5639% | 4,155 |
| Return on Equity (ROE) | 4.9491% | 3,924 |
| Retained earnings to average equity (ytd only) | 0.5231% | 4,364 |
| Net charge-offs to loans | 0.0099% | 2,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 574 |
| Efficiency ratio | 84.6311% | 590 |
| Assets per employee ($millions) | 3.6987% | 4,565 |
| Cash dividends to net income (ytd only)* | 89.4309% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,658 |
| Loan loss allowance to noncurrent loans | 9,933.3333% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,977 |
| Noncurrent loans to loans | 0.0149% | 4,306 |
| Net loans and leases to total assets | 35.7672% | 4,596 |
| Net loans and leases to deposits | 39.3434% | 4,671 |
| Net loans and leases to core deposits | 41.4340% | 4,666 |
| Total domestic deposits to total assets | 90.9104% | 246 |
| Equity capital to assets | 8.8949% | 4,152 |
| Core capital (leverage) ratio | 8.7318% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2235% | 342 |
| Memoranda: | ||
| Average total assets | $53,198,200 | 4,611 |
| Average earning assets | $50,873,800 | 4,572 |
| Average equity | $4,970,600 | 4,757 |
| Average total loans | $20,259,400 | 4,708 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,226 |
| Cost of funding earning assets | 0.3048% | 4,291 |
| Net interest margin | 3.6040% | 2,264 |
| Noninterest income to average assets | 0.3091% | 3,642 |
| Noninterest expense to average assets | 3.1440% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4966% | 4,048 |
| Return on assets (ROA) | 0.4966% | 4,131 |
| Pretax return on assets | 0.6106% | 4,086 |
| Return on Equity (ROE) | 5.2481% | 3,810 |
| Retained earnings to average equity (ytd only) | 0.6962% | 4,339 |
| Net charge-offs to loans | 0.0066% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 432 |
| Efficiency ratio | 83.7382% | 623 |
| Assets per employee ($millions) | 3.8161% | 4,466 |
| Cash dividends to net income (ytd only)* | 86.7347% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,518 |
| Loan loss allowance to noncurrent loans | 517.2414% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 3,926 |
| Noncurrent loans to loans | 0.2814% | 3,279 |
| Net loans and leases to total assets | 35.4827% | 4,700 |
| Net loans and leases to deposits | 38.9727% | 4,777 |
| Net loans and leases to core deposits | 41.4003% | 4,763 |
| Total domestic deposits to total assets | 91.0450% | 163 |
| Equity capital to assets | 8.7051% | 4,326 |
| Core capital (leverage) ratio | 8.7474% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,627,500 | 4,638 |
| Average earning assets | $50,312,750 | 4,598 |
| Average equity | $4,979,500 | 4,781 |
| Average total loans | $20,288,750 | 4,743 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 2,921 |
| Cost of funding earning assets | 0.3765% | 4,142 |
| Net interest margin | 3.7692% | 1,922 |
| Noninterest income to average assets | 0.2897% | 3,729 |
| Noninterest expense to average assets | 3.2727% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6224% | 3,666 |
| Return on assets (ROA) | 0.6616% | 3,634 |
| Pretax return on assets | 0.6616% | 3,952 |
| Return on Equity (ROE) | 6.7894% | 3,211 |
| Retained earnings to average equity (ytd only) | 1.9685% | 3,772 |
| Net charge-offs to loans | 0.0099% | 2,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 515 |
| Efficiency ratio | 84.0201% | 634 |
| Assets per employee ($millions) | 3.5834% | 4,620 |
| Cash dividends to net income (ytd only)* | 71.0059% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,418 |
| Loan loss allowance to noncurrent loans | 293.1373% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,582 |
| Noncurrent loans to loans | 0.4937% | 2,673 |
| Net loans and leases to total assets | 37.8784% | 4,674 |
| Net loans and leases to deposits | 41.9068% | 4,746 |
| Net loans and leases to core deposits | 43.4681% | 4,762 |
| Total domestic deposits to total assets | 90.3872% | 300 |
| Equity capital to assets | 9.3673% | 3,762 |
| Core capital (leverage) ratio | 9.3761% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,089,333 | 4,676 |
| Average earning assets | $48,869,667 | 4,639 |
| Average equity | $4,978,333 | 4,802 |
| Average total loans | $20,181,333 | 4,766 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 3,303 |
| Cost of funding earning assets | 0.3697% | 4,461 |
| Net interest margin | 3.8061% | 1,945 |
| Noninterest income to average assets | 0.3939% | 3,149 |
| Noninterest expense to average assets | 3.3924% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6431% | 3,467 |
| Return on assets (ROA) | 0.6431% | 3,530 |
| Pretax return on assets | 0.6431% | 3,833 |
| Return on Equity (ROE) | 6.4646% | 3,144 |
| Retained earnings to average equity (ytd only) | 1.6162% | 3,570 |
| Net charge-offs to loans | -0.0201% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0637% | 829 |
| Assets per employee ($millions) | 3.3362% | 4,613 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,305 |
| Loan loss allowance to noncurrent loans | 537.5000% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,061 |
| Noncurrent loans to loans | 0.2810% | 3,483 |
| Net loans and leases to total assets | 39.2203% | 4,695 |
| Net loans and leases to deposits | 43.6884% | 4,768 |
| Net loans and leases to core deposits | 46.0004% | 4,773 |
| Total domestic deposits to total assets | 89.7728% | 393 |
| Equity capital to assets | 10.0194% | 3,763 |
| Core capital (leverage) ratio | 9.9233% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,758,500 | 4,714 |
| Average earning assets | $47,607,500 | 4,681 |
| Average equity | $4,950,000 | 4,843 |
| Average total loans | $19,942,500 | 4,806 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 3,583 |
| Cost of funding earning assets | 0.3744% | 4,525 |
| Net interest margin | 3.9096% | 2,141 |
| Noninterest income to average assets | 0.1067% | 4,911 |
| Noninterest expense to average assets | 3.1737% | 1,583 |
| Loan and lease loss provision to assets | 0.0725% | 2,551 |
| Net operating income to assets | 0.5595% | 4,269 |
| Return on assets (ROA) | 0.5575% | 4,328 |
| Pretax return on assets | 0.5575% | 4,476 |
| Return on Equity (ROE) | 5.8399% | 3,967 |
| Retained earnings to average equity (ytd only) | 1.0120% | 4,381 |
| Net charge-offs to loans | 0.1371% | 1,413 |
| Credit loss provision to net charge-offs | 133.3333% | 1,916 |
| Earnings coverage of net charge-offs (x) | 11.6296% | 2,480 |
| Efficiency ratio | 83.3950% | 694 |
| Assets per employee ($millions) | 3.2983% | 4,641 |
| Cash dividends to net income (ytd only)* | 82.6715% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,224 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 2,320 |
| Noncurrent loans to loans | 1.2026% | 1,254 |
| Net loans and leases to total assets | 39.7320% | 4,742 |
| Net loans and leases to deposits | 44.1750% | 4,824 |
| Net loans and leases to core deposits | 46.5993% | 4,822 |
| Total domestic deposits to total assets | 89.9422% | 340 |
| Equity capital to assets | 9.8759% | 4,034 |
| Core capital (leverage) ratio | 9.6854% | 3,866 |
| Tier 1 risk-based capital ratio | 24.6071% | 780 |
| Total risk-based capital ratio | 25.8673% | 760 |
| Memoranda: | ||
| Average total assets | $49,689,200 | 4,756 |
| Average earning assets | $47,013,000 | 4,729 |
| Average equity | $4,743,200 | 4,913 |
| Average total loans | $19,689,000 | 4,870 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 3,802 |
| Cost of funding earning assets | 0.3691% | 4,602 |
| Net interest margin | 3.8843% | 2,315 |
| Noninterest income to average assets | 0.0322% | 5,147 |
| Noninterest expense to average assets | 3.0315% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6674% | 4,115 |
| Return on assets (ROA) | 0.6647% | 4,180 |
| Pretax return on assets | 0.6647% | 4,421 |
| Return on Equity (ROE) | 7.0241% | 3,669 |
| Retained earnings to average equity (ytd only) | 2.6623% | 4,025 |
| Net charge-offs to loans | 0.0679% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 24.9055% | 1,780 |
| Efficiency ratio | 81.9565% | 758 |
| Assets per employee ($millions) | 3.4341% | 4,563 |
| Cash dividends to net income (ytd only)* | 62.0970% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,412 |
| Loan loss allowance to noncurrent loans | 212.8788% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 3,354 |
| Noncurrent loans to loans | 0.6782% | 2,265 |
| Net loans and leases to total assets | 37.2386% | 4,892 |
| Net loans and leases to deposits | 41.2729% | 4,967 |
| Net loans and leases to core deposits | 43.4621% | 4,972 |
| Total domestic deposits to total assets | 90.2254% | 235 |
| Equity capital to assets | 9.5533% | 4,418 |
| Core capital (leverage) ratio | 9.6024% | 4,060 |
| Tier 1 risk-based capital ratio | 24.3276% | 817 |
| Total risk-based capital ratio | 25.5814% | 803 |
| Memoranda: | ||
| Average total assets | $49,743,000 | 4,817 |
| Average earning assets | $46,957,500 | 4,800 |
| Average equity | $4,707,500 | 4,987 |
| Average total loans | $19,622,000 | 4,944 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 3,796 |
| Cost of funding earning assets | 0.3674% | 4,627 |
| Net interest margin | 3.8818% | 2,297 |
| Noninterest income to average assets | -0.0366% | 5,276 |
| Noninterest expense to average assets | 3.0313% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5859% | 4,341 |
| Return on assets (ROA) | 0.5818% | 4,392 |
| Pretax return on assets | 0.5818% | 4,576 |
| Return on Equity (ROE) | 6.1687% | 3,996 |
| Retained earnings to average equity (ytd only) | 1.6824% | 4,216 |
| Net charge-offs to loans | 0.1728% | 943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.4706% | 2,412 |
| Efficiency ratio | 83.8020% | 667 |
| Assets per employee ($millions) | 3.3569% | 4,656 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,602 |
| Loan loss allowance to noncurrent loans | 180.2632% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 3,029 |
| Noncurrent loans to loans | 0.7781% | 2,038 |
| Net loans and leases to total assets | 38.2532% | 4,907 |
| Net loans and leases to deposits | 42.4077% | 4,986 |
| Net loans and leases to core deposits | 43.7474% | 5,000 |
| Total domestic deposits to total assets | 90.2034% | 280 |
| Equity capital to assets | 9.5980% | 4,316 |
| Core capital (leverage) ratio | 9.9629% | 3,618 |
| Tier 1 risk-based capital ratio | 23.8739% | 858 |
| Total risk-based capital ratio | 25.1281% | 840 |
| Memoranda: | ||
| Average total assets | $49,153,670 | 4,864 |
| Average earning assets | $46,267,000 | 4,848 |
| Average equity | $4,636,330 | 5,026 |
| Average total loans | $19,675,000 | 4,984 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 3,638 |
| Cost of funding earning assets | 0.3773% | 4,579 |
| Net interest margin | 3.8960% | 2,202 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 3.1965% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4613% | 4,618 |
| Return on assets (ROA) | 0.4531% | 4,652 |
| Pretax return on assets | 0.4531% | 4,770 |
| Return on Equity (ROE) | 4.8480% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.3222% | 4,250 |
| Net charge-offs to loans | 0.0405% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,367 |
| Efficiency ratio | 87.3874% | 511 |
| Assets per employee ($millions) | 3.2706% | 4,765 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,399 |
| Loan loss allowance to noncurrent loans | 270.0935% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 1,678 |
| Noncurrent loans to loans | 0.5474% | 2,673 |
| Net loans and leases to total assets | 39.2568% | 4,912 |
| Net loans and leases to deposits | 43.5143% | 4,999 |
| Net loans and leases to core deposits | 45.2429% | 5,012 |
| Total domestic deposits to total assets | 90.2159% | 378 |
| Equity capital to assets | 9.5497% | 4,209 |
| Core capital (leverage) ratio | 9.9863% | 3,616 |
| Tier 1 risk-based capital ratio | 23.6577% | 870 |
| Total risk-based capital ratio | 24.9065% | 849 |
| Memoranda: | ||
| Average total assets | $48,553,500 | 4,927 |
| Average earning assets | $45,585,000 | 4,908 |
| Average equity | $4,538,000 | 5,082 |
| Average total loans | $19,744,500 | 5,044 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 3,222 |
| Cost of funding earning assets | 0.3386% | 4,355 |
| Net interest margin | 3.9280% | 2,237 |
| Noninterest income to average assets | 0.2498% | 4,426 |
| Noninterest expense to average assets | 3.3113% | 1,295 |
| Loan and lease loss provision to assets | 0.2188% | 828 |
| Net operating income to assets | 0.3840% | 4,887 |
| Return on assets (ROA) | 0.4356% | 4,790 |
| Pretax return on assets | 0.4356% | 4,896 |
| Return on Equity (ROE) | 4.8533% | 4,491 |
| Retained earnings to average equity (ytd only) | 0.1610% | 4,939 |
| Net charge-offs to loans | 0.5556% | 313 |
| Credit loss provision to net charge-offs | 92.1739% | 2,691 |
| Earnings coverage of net charge-offs (x) | 2.5391% | 3,506 |
| Efficiency ratio | 84.5992% | 607 |
| Assets per employee ($millions) | 3.2032% | 4,831 |
| Cash dividends to net income (ytd only)* | 96.6825% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,420 |
| Loan loss allowance to noncurrent loans | 279.8077% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 1,037 |
| Noncurrent loans to loans | 0.5215% | 2,710 |
| Net loans and leases to total assets | 40.8966% | 4,913 |
| Net loans and leases to deposits | 45.1278% | 5,003 |
| Net loans and leases to core deposits | 47.0738% | 5,004 |
| Total domestic deposits to total assets | 90.6240% | 291 |
| Equity capital to assets | 9.1388% | 4,458 |
| Core capital (leverage) ratio | 10.0343% | 3,536 |
| Tier 1 risk-based capital ratio | 23.4150% | 867 |
| Total risk-based capital ratio | 24.6647% | 847 |
| Memoranda: | ||
| Average total assets | $48,440,600 | 4,962 |
| Average earning assets | $45,188,800 | 4,950 |
| Average equity | $4,347,600 | 5,129 |
| Average total loans | $20,697,800 | 5,060 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 3,237 |
| Cost of funding earning assets | 0.3300% | 4,303 |
| Net interest margin | 3.8922% | 2,334 |
| Noninterest income to average assets | 0.2088% | 4,712 |
| Noninterest expense to average assets | 3.2331% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6043% | 4,489 |
| Return on assets (ROA) | 0.6043% | 4,500 |
| Pretax return on assets | 0.6043% | 4,722 |
| Return on Equity (ROE) | 6.7638% | 4,011 |
| Retained earnings to average equity (ytd only) | 2.0905% | 4,551 |
| Net charge-offs to loans | 0.0447% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 31.4394% | 1,569 |
| Efficiency ratio | 84.2520% | 629 |
| Assets per employee ($millions) | 3.2901% | 4,782 |
| Cash dividends to net income (ytd only)* | 69.0894% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,667 |
| Loan loss allowance to noncurrent loans | 57.0039% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 648 |
| Noncurrent loans to loans | 2.4694% | 531 |
| Net loans and leases to total assets | 41.5838% | 4,978 |
| Net loans and leases to deposits | 45.6186% | 5,065 |
| Net loans and leases to core deposits | 48.5211% | 5,058 |
| Total domestic deposits to total assets | 91.1552% | 189 |
| Equity capital to assets | 8.5895% | 4,872 |
| Core capital (leverage) ratio | 10.1817% | 3,427 |
| Tier 1 risk-based capital ratio | 22.7658% | 964 |
| Total risk-based capital ratio | 24.0167% | 939 |
| Memoranda: | ||
| Average total assets | $48,538,750 | 5,017 |
| Average earning assets | $45,252,250 | 5,003 |
| Average equity | $4,336,750 | 5,195 |
| Average total loans | $20,887,000 | 5,116 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,872 |
| Cost of funding earning assets | 0.3155% | 4,307 |
| Net interest margin | 3.9544% | 2,021 |
| Noninterest income to average assets | 0.1492% | 5,078 |
| Noninterest expense to average assets | 3.2568% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5801% | 4,566 |
| Return on assets (ROA) | 0.5801% | 4,559 |
| Pretax return on assets | 0.5801% | 4,764 |
| Return on Equity (ROE) | 6.4083% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.7394% | 4,550 |
| Net charge-offs to loans | 0.0670% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,832 |
| Efficiency ratio | 84.8812% | 635 |
| Assets per employee ($millions) | 3.2227% | 4,908 |
| Cash dividends to net income (ytd only)* | 72.8571% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,713 |
| Loan loss allowance to noncurrent loans | 67.8241% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 746 |
| Noncurrent loans to loans | 2.0810% | 701 |
| Net loans and leases to total assets | 42.3367% | 4,972 |
| Net loans and leases to deposits | 46.5941% | 5,073 |
| Net loans and leases to core deposits | 48.0637% | 5,093 |
| Total domestic deposits to total assets | 90.8628% | 287 |
| Equity capital to assets | 8.8765% | 4,668 |
| Core capital (leverage) ratio | 10.2433% | 3,298 |
| Tier 1 risk-based capital ratio | 22.6884% | 962 |
| Total risk-based capital ratio | 23.9383% | 945 |
| Memoranda: | ||
| Average total assets | $48,268,000 | 5,082 |
| Average earning assets | $45,013,670 | 5,070 |
| Average equity | $4,369,330 | 5,248 |
| Average total loans | $20,911,000 | 5,175 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,788 |
| Cost of funding earning assets | 0.3185% | 4,205 |
| Net interest margin | 3.9102% | 2,008 |
| Noninterest income to average assets | 0.3317% | 3,933 |
| Noninterest expense to average assets | 3.2676% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7298% | 3,985 |
| Return on assets (ROA) | 0.7298% | 3,992 |
| Pretax return on assets | 0.7298% | 4,358 |
| Return on Equity (ROE) | 7.9846% | 3,375 |
| Retained earnings to average equity (ytd only) | 3.2664% | 3,900 |
| Net charge-offs to loans | 0.1334% | 1,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 1,796 |
| Efficiency ratio | 81.7427% | 976 |
| Assets per employee ($millions) | 3.2301% | 4,967 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,816 |
| Loan loss allowance to noncurrent loans | 62.6068% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 523 |
| Noncurrent loans to loans | 2.2458% | 660 |
| Net loans and leases to total assets | 42.4049% | 4,962 |
| Net loans and leases to deposits | 46.6721% | 5,083 |
| Net loans and leases to core deposits | 48.9156% | 5,071 |
| Total domestic deposits to total assets | 90.8569% | 366 |
| Equity capital to assets | 8.9284% | 4,633 |
| Core capital (leverage) ratio | 10.0935% | 3,431 |
| Tier 1 risk-based capital ratio | 22.5820% | 983 |
| Total risk-based capital ratio | 23.8309% | 965 |
| Memoranda: | ||
| Average total assets | $48,231,500 | 5,140 |
| Average earning assets | $45,215,500 | 5,125 |
| Average equity | $4,408,500 | 5,300 |
| Average total loans | $20,987,000 | 5,232 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,129 |
| Cost of funding earning assets | 0.3296% | 3,881 |
| Net interest margin | 3.7504% | 2,603 |
| Noninterest income to average assets | 0.2856% | 4,421 |
| Noninterest expense to average assets | 3.3167% | 1,340 |
| Loan and lease loss provision to assets | 0.0102% | 4,075 |
| Net operating income to assets | 0.4630% | 4,484 |
| Return on assets (ROA) | 0.4895% | 4,434 |
| Pretax return on assets | 0.4895% | 4,946 |
| Return on Equity (ROE) | 5.2666% | 4,061 |
| Retained earnings to average equity (ytd only) | 0.7900% | 4,723 |
| Net charge-offs to loans | 0.0237% | 3,333 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 1,158 |
| Efficiency ratio | 87.5135% | 560 |
| Assets per employee ($millions) | 3.4294% | 4,795 |
| Cash dividends to net income (ytd only)* | 85.0000% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,691 |
| Loan loss allowance to noncurrent loans | 52.6316% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.1787% | 483 |
| Noncurrent loans to loans | 2.6969% | 459 |
| Net loans and leases to total assets | 43.3963% | 5,007 |
| Net loans and leases to deposits | 47.9914% | 5,126 |
| Net loans and leases to core deposits | 50.1396% | 5,132 |
| Total domestic deposits to total assets | 90.4251% | 419 |
| Equity capital to assets | 9.3541% | 4,373 |
| Core capital (leverage) ratio | 9.9078% | 3,572 |
| Tier 1 risk-based capital ratio | 21.1967% | 1,110 |
| Total risk-based capital ratio | 22.4477% | 1,089 |
| Memoranda: | ||
| Average total assets | $49,025,000 | 5,176 |
| Average earning assets | $45,808,000 | 5,152 |
| Average equity | $4,557,000 | 5,339 |
| Average total loans | $21,085,800 | 5,281 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 3,147 |
| Cost of funding earning assets | 0.3418% | 3,751 |
| Net interest margin | 3.7159% | 2,696 |
| Noninterest income to average assets | 0.2706% | 4,569 |
| Noninterest expense to average assets | 3.0574% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6845% | 4,053 |
| Return on assets (ROA) | 0.7197% | 3,934 |
| Pretax return on assets | 0.7197% | 4,560 |
| Return on Equity (ROE) | 7.7547% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.2651% | 3,981 |
| Net charge-offs to loans | 0.0317% | 2,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 50.5727% | 1,108 |
| Efficiency ratio | 81.7064% | 943 |
| Assets per employee ($millions) | 3.2424% | 5,021 |
| Cash dividends to net income (ytd only)* | 57.8949% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,093 |
| Loan loss allowance to noncurrent loans | 38.9920% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.3213% | 495 |
| Noncurrent loans to loans | 3.4793% | 319 |
| Net loans and leases to total assets | 43.9530% | 5,029 |
| Net loans and leases to deposits | 48.7436% | 5,168 |
| Net loans and leases to core deposits | 51.5991% | 5,149 |
| Total domestic deposits to total assets | 90.1719% | 413 |
| Equity capital to assets | 9.6472% | 4,296 |
| Core capital (leverage) ratio | 10.0654% | 3,485 |
| Tier 1 risk-based capital ratio | 21.2164% | 1,162 |
| Total risk-based capital ratio | 22.4665% | 1,144 |
| Memoranda: | ||
| Average total assets | $49,278,500 | 5,229 |
| Average earning assets | $46,034,750 | 5,203 |
| Average equity | $4,573,500 | 5,394 |
| Average total loans | $21,073,500 | 5,334 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,160 |
| Cost of funding earning assets | 0.3241% | 3,851 |
| Net interest margin | 3.6904% | 2,685 |
| Noninterest income to average assets | 0.2465% | 4,765 |
| Noninterest expense to average assets | 3.0590% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6385% | 4,132 |
| Return on assets (ROA) | 0.6910% | 3,950 |
| Pretax return on assets | 0.6910% | 4,576 |
| Return on Equity (ROE) | 7.5430% | 3,271 |
| Retained earnings to average equity (ytd only) | 3.0437% | 3,903 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7322% | 942 |
| Assets per employee ($millions) | 3.2530% | 5,031 |
| Cash dividends to net income (ytd only)* | 59.6491% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,840 |
| Loan loss allowance to noncurrent loans | 64.6552% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 822 |
| Noncurrent loans to loans | 2.2045% | 732 |
| Net loans and leases to total assets | 42.5208% | 5,115 |
| Net loans and leases to deposits | 47.1321% | 5,241 |
| Net loans and leases to core deposits | 48.2512% | 5,276 |
| Total domestic deposits to total assets | 90.2162% | 464 |
| Equity capital to assets | 9.6075% | 4,306 |
| Core capital (leverage) ratio | 9.9300% | 3,616 |
| Tier 1 risk-based capital ratio | 21.4499% | 1,122 |
| Total risk-based capital ratio | 22.6985% | 1,101 |
| Memoranda: | ||
| Average total assets | $49,492,670 | 5,260 |
| Average earning assets | $46,282,330 | 5,230 |
| Average equity | $4,534,000 | 5,436 |
| Average total loans | $20,874,330 | 5,382 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 2,975 |
| Cost of funding earning assets | 0.3261% | 3,790 |
| Net interest margin | 3.6898% | 2,520 |
| Noninterest income to average assets | 0.1284% | 5,477 |
| Noninterest expense to average assets | 3.0416% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5377% | 4,433 |
| Return on assets (ROA) | 0.5377% | 4,477 |
| Pretax return on assets | 0.5377% | 4,875 |
| Return on Equity (ROE) | 6.0130% | 3,901 |
| Retained earnings to average equity (ytd only) | 1.5257% | 4,490 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9776% | 892 |
| Assets per employee ($millions) | 3.3592% | 4,981 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 2,440 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.6367% | 5,220 |
| Net loans and leases to deposits | 44.7133% | 5,346 |
| Net loans and leases to core deposits | 46.4119% | 5,355 |
| Total domestic deposits to total assets | 90.8827% | 336 |
| Equity capital to assets | 8.9644% | 4,839 |
| Core capital (leverage) ratio | 9.8412% | 3,705 |
| Tier 1 risk-based capital ratio | 21.0804% | 1,212 |
| Total risk-based capital ratio | 22.3251% | 1,188 |
| Memoranda: | ||
| Average total assets | $49,841,500 | 5,309 |
| Average earning assets | $46,614,500 | 5,283 |
| Average equity | $4,457,000 | 5,503 |
| Average total loans | $20,787,500 | 5,439 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 2,811 |
| Cost of funding earning assets | 0.3601% | 3,414 |
| Net interest margin | 3.7505% | 2,499 |
| Noninterest income to average assets | 0.3138% | 4,495 |
| Noninterest expense to average assets | 3.2226% | 1,737 |
| Loan and lease loss provision to assets | 0.0644% | 3,086 |
| Net operating income to assets | 0.4627% | 4,758 |
| Return on assets (ROA) | 0.5049% | 4,687 |
| Pretax return on assets | 0.5049% | 5,016 |
| Return on Equity (ROE) | 5.3034% | 4,271 |
| Retained earnings to average equity (ytd only) | 1.0565% | 4,894 |
| Net charge-offs to loans | 0.2694% | 1,025 |
| Credit loss provision to net charge-offs | 58.1818% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.7636% | 3,451 |
| Efficiency ratio | 85.9442% | 826 |
| Assets per employee ($millions) | 3.2863% | 5,063 |
| Cash dividends to net income (ytd only)* | 80.0797% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 2,236 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 41.5843% | 5,250 |
| Net loans and leases to deposits | 45.7342% | 5,375 |
| Net loans and leases to core deposits | 47.5880% | 5,385 |
| Total domestic deposits to total assets | 90.9261% | 304 |
| Equity capital to assets | 8.9198% | 4,889 |
| Core capital (leverage) ratio | 8.7690% | 5,004 |
| Tier 1 risk-based capital ratio | 19.2445% | 1,539 |
| Total risk-based capital ratio | 20.4890% | 1,500 |
| Memoranda: | ||
| Average total assets | $49,710,800 | 5,350 |
| Average earning assets | $45,540,600 | 5,344 |
| Average equity | $4,732,800 | 5,520 |
| Average total loans | $20,415,400 | 5,508 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 2,868 |
| Cost of funding earning assets | 0.3639% | 3,400 |
| Net interest margin | 3.7383% | 2,559 |
| Noninterest income to average assets | 0.3078% | 4,570 |
| Noninterest expense to average assets | 2.9977% | 2,324 |
| Loan and lease loss provision to assets | 0.0401% | 3,440 |
| Net operating income to assets | 0.6798% | 3,963 |
| Return on assets (ROA) | 0.7360% | 3,798 |
| Pretax return on assets | 0.7360% | 4,511 |
| Return on Equity (ROE) | 7.6122% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.4324% | 3,843 |
| Net charge-offs to loans | 0.2297% | 1,026 |
| Credit loss provision to net charge-offs | 42.8571% | 3,130 |
| Earnings coverage of net charge-offs (x) | 7.6850% | 2,851 |
| Efficiency ratio | 80.6335% | 1,352 |
| Assets per employee ($millions) | 3.3844% | 4,926 |
| Cash dividends to net income (ytd only)* | 54.9092% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 2,165 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.0642% | 5,376 |
| Net loans and leases to deposits | 44.4364% | 5,498 |
| Net loans and leases to core deposits | 47.1137% | 5,476 |
| Total domestic deposits to total assets | 90.1607% | 423 |
| Equity capital to assets | 9.6915% | 4,472 |
| Core capital (leverage) ratio | 9.8265% | 3,779 |
| Tier 1 risk-based capital ratio | 21.3883% | 1,209 |
| Total risk-based capital ratio | 22.6370% | 1,192 |
| Memoranda: | ||
| Average total assets | $49,814,750 | 5,403 |
| Average earning assets | $45,438,500 | 5,402 |
| Average equity | $4,816,750 | 5,549 |
| Average total loans | $20,319,500 | 5,565 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,095 |
| Cost of funding earning assets | 0.3622% | 3,429 |
| Net interest margin | 3.6798% | 2,785 |
| Noninterest income to average assets | 0.3071% | 4,589 |
| Noninterest expense to average assets | 2.9941% | 2,369 |
| Loan and lease loss provision to assets | 0.0606% | 2,927 |
| Net operating income to assets | 0.6182% | 4,197 |
| Return on assets (ROA) | 0.7031% | 3,921 |
| Pretax return on assets | 0.7031% | 4,609 |
| Return on Equity (ROE) | 7.2768% | 3,381 |
| Retained earnings to average equity (ytd only) | 3.0947% | 3,934 |
| Net charge-offs to loans | 0.3661% | 633 |
| Credit loss provision to net charge-offs | 40.5405% | 2,761 |
| Earnings coverage of net charge-offs (x) | 4.5405% | 2,977 |
| Efficiency ratio | 81.5182% | 1,327 |
| Assets per employee ($millions) | 3.3192% | 5,031 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,881 |
| Loan loss allowance to noncurrent loans | 1,304.3478% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 2,192 |
| Noncurrent loans to loans | 0.1146% | 4,987 |
| Net loans and leases to total assets | 39.7104% | 5,433 |
| Net loans and leases to deposits | 44.1061% | 5,562 |
| Net loans and leases to core deposits | 45.4380% | 5,579 |
| Total domestic deposits to total assets | 90.0337% | 477 |
| Equity capital to assets | 9.8056% | 4,443 |
| Core capital (leverage) ratio | 9.9395% | 3,635 |
| Tier 1 risk-based capital ratio | 21.6970% | 1,168 |
| Total risk-based capital ratio | 22.9423% | 1,156 |
| Memoranda: | ||
| Average total assets | $49,497,670 | 5,475 |
| Average earning assets | $45,273,670 | 5,474 |
| Average equity | $4,782,330 | 5,615 |
| Average total loans | $20,212,000 | 5,627 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 3,276 |
| Cost of funding earning assets | 0.3637% | 3,464 |
| Net interest margin | 3.6193% | 3,008 |
| Noninterest income to average assets | 0.2918% | 4,636 |
| Noninterest expense to average assets | 2.9745% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6241% | 4,081 |
| Return on assets (ROA) | 0.6241% | 4,196 |
| Pretax return on assets | 0.6241% | 4,749 |
| Return on Equity (ROE) | 6.5082% | 3,719 |
| Retained earnings to average equity (ytd only) | 2.2821% | 4,346 |
| Net charge-offs to loans | 0.0789% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,512 |
| Efficiency ratio | 82.6577% | 1,301 |
| Assets per employee ($millions) | 3.3287% | 5,082 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,624 |
| Loan loss allowance to noncurrent loans | 100.6309% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.6062% | 1,241 |
| Noncurrent loans to loans | 1.5833% | 1,468 |
| Net loans and leases to total assets | 39.4585% | 5,484 |
| Net loans and leases to deposits | 43.7181% | 5,603 |
| Net loans and leases to core deposits | 45.1229% | 5,624 |
| Total domestic deposits to total assets | 90.2566% | 505 |
| Equity capital to assets | 9.5992% | 4,566 |
| Core capital (leverage) ratio | 9.7482% | 3,846 |
| Tier 1 risk-based capital ratio | 21.2989% | 1,260 |
| Total risk-based capital ratio | 22.5496% | 1,240 |
| Memoranda: | ||
| Average total assets | $49,352,500 | 5,523 |
| Average earning assets | $45,091,500 | 5,522 |
| Average equity | $4,732,500 | 5,672 |
| Average total loans | $20,282,500 | 5,675 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 2,528 |
| Cost of funding earning assets | 0.3872% | 3,293 |
| Net interest margin | 3.8214% | 2,297 |
| Noninterest income to average assets | 0.1725% | 5,551 |
| Noninterest expense to average assets | 3.0856% | 2,280 |
| Loan and lease loss provision to assets | 0.1309% | 1,826 |
| Net operating income to assets | 0.4218% | 4,982 |
| Return on assets (ROA) | 0.4447% | 4,984 |
| Pretax return on assets | 0.4447% | 5,238 |
| Return on Equity (ROE) | 4.5567% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.2981% | 5,391 |
| Net charge-offs to loans | 0.3291% | 906 |
| Credit loss provision to net charge-offs | 94.0299% | 2,680 |
| Earnings coverage of net charge-offs (x) | 3.9701% | 3,628 |
| Efficiency ratio | 84.8087% | 1,110 |
| Assets per employee ($millions) | 3.2516% | 5,225 |
| Cash dividends to net income (ytd only)* | 93.4579% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 1,716 |
| Loan loss allowance to noncurrent loans | 358.8889% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 1,846 |
| Noncurrent loans to loans | 0.4381% | 3,897 |
| Net loans and leases to total assets | 41.4586% | 5,441 |
| Net loans and leases to deposits | 45.9286% | 5,566 |
| Net loans and leases to core deposits | 47.1539% | 5,599 |
| Total domestic deposits to total assets | 90.2674% | 518 |
| Equity capital to assets | 9.5789% | 4,464 |
| Core capital (leverage) ratio | 9.8132% | 3,751 |
| Tier 1 risk-based capital ratio | 20.9352% | 1,311 |
| Total risk-based capital ratio | 22.1846% | 1,290 |
| Memoranda: | ||
| Average total assets | $48,126,600 | 5,583 |
| Average earning assets | $43,648,800 | 5,590 |
| Average equity | $4,696,400 | 5,721 |
| Average total loans | $20,360,000 | 5,705 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,616 |
| Cost of funding earning assets | 0.3884% | 3,346 |
| Net interest margin | 3.8011% | 2,380 |
| Noninterest income to average assets | 0.3391% | 4,514 |
| Noninterest expense to average assets | 3.0855% | 2,261 |
| Loan and lease loss provision to assets | 0.1418% | 1,565 |
| Net operating income to assets | 0.5671% | 4,541 |
| Return on assets (ROA) | 0.5976% | 4,497 |
| Pretax return on assets | 0.5976% | 4,977 |
| Return on Equity (ROE) | 6.0959% | 4,110 |
| Retained earnings to average equity (ytd only) | 1.8428% | 4,955 |
| Net charge-offs to loans | 0.0459% | 2,979 |
| Credit loss provision to net charge-offs | 728.5714% | 479 |
| Earnings coverage of net charge-offs (x) | 36.4405% | 1,324 |
| Efficiency ratio | 81.3187% | 1,487 |
| Assets per employee ($millions) | 3.2405% | 5,234 |
| Cash dividends to net income (ytd only)* | 69.7691% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 1,236 |
| Loan loss allowance to noncurrent loans | 97.6316% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.8536% | 1,137 |
| Noncurrent loans to loans | 1.8596% | 1,257 |
| Net loans and leases to total assets | 41.2780% | 5,527 |
| Net loans and leases to deposits | 45.8899% | 5,653 |
| Net loans and leases to core deposits | 46.8457% | 5,702 |
| Total domestic deposits to total assets | 89.9500% | 591 |
| Equity capital to assets | 9.9183% | 4,264 |
| Core capital (leverage) ratio | 9.9698% | 3,677 |
| Tier 1 risk-based capital ratio | 21.2576% | 1,299 |
| Total risk-based capital ratio | 22.5098% | 1,282 |
| Memoranda: | ||
| Average total assets | $47,964,750 | 5,658 |
| Average earning assets | $43,600,750 | 5,666 |
| Average equity | $4,702,500 | 5,798 |
| Average total loans | $20,314,000 | 5,779 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 2,566 |
| Cost of funding earning assets | 0.3915% | 3,358 |
| Net interest margin | 3.7998% | 2,307 |
| Noninterest income to average assets | 0.3309% | 4,587 |
| Noninterest expense to average assets | 3.0994% | 2,244 |
| Loan and lease loss provision to assets | 0.0586% | 2,930 |
| Net operating income to assets | 0.6283% | 4,224 |
| Return on assets (ROA) | 0.6743% | 4,118 |
| Pretax return on assets | 0.6743% | 4,739 |
| Return on Equity (ROE) | 6.9054% | 3,672 |
| Retained earnings to average equity (ytd only) | 2.6163% | 4,396 |
| Net charge-offs to loans | 0.0493% | 2,721 |
| Credit loss provision to net charge-offs | 280.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 1,287 |
| Efficiency ratio | 81.8584% | 1,509 |
| Assets per employee ($millions) | 3.1915% | 5,355 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 1,724 |
| Loan loss allowance to noncurrent loans | 167.1642% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 1,627 |
| Noncurrent loans to loans | 0.9912% | 2,662 |
| Net loans and leases to total assets | 41.6569% | 5,524 |
| Net loans and leases to deposits | 46.2316% | 5,665 |
| Net loans and leases to core deposits | 47.2168% | 5,714 |
| Total domestic deposits to total assets | 90.1049% | 615 |
| Equity capital to assets | 9.7406% | 4,355 |
| Core capital (leverage) ratio | 10.0643% | 3,510 |
| Tier 1 risk-based capital ratio | 21.4038% | 1,295 |
| Total risk-based capital ratio | 22.6552% | 1,274 |
| Memoranda: | ||
| Average total assets | $47,750,670 | 5,729 |
| Average earning assets | $43,423,670 | 5,727 |
| Average equity | $4,663,000 | 5,864 |
| Average total loans | $20,273,670 | 5,837 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,464 |
| Cost of funding earning assets | 0.3984% | 3,322 |
| Net interest margin | 3.7988% | 2,239 |
| Noninterest income to average assets | 0.3187% | 4,637 |
| Noninterest expense to average assets | 3.1034% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6542% | 4,028 |
| Return on assets (ROA) | 0.7465% | 3,690 |
| Pretax return on assets | 0.7465% | 4,439 |
| Return on Equity (ROE) | 7.6346% | 3,145 |
| Retained earnings to average equity (ytd only) | 3.3455% | 3,978 |
| Net charge-offs to loans | -0.0197% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5893% | 1,548 |
| Assets per employee ($millions) | 3.2385% | 5,345 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 1,972 |
| Loan loss allowance to noncurrent loans | 201.2270% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8198% | 1,344 |
| Noncurrent loans to loans | 0.8051% | 3,231 |
| Net loans and leases to total assets | 41.0009% | 5,547 |
| Net loans and leases to deposits | 45.5808% | 5,670 |
| Net loans and leases to core deposits | 47.0062% | 5,716 |
| Total domestic deposits to total assets | 89.9520% | 762 |
| Equity capital to assets | 9.9039% | 4,265 |
| Core capital (leverage) ratio | 9.9517% | 3,663 |
| Tier 1 risk-based capital ratio | 21.0879% | 1,400 |
| Total risk-based capital ratio | 22.3354% | 1,380 |
| Memoranda: | ||
| Average total assets | $47,690,000 | 5,778 |
| Average earning assets | $43,171,000 | 5,780 |
| Average equity | $4,663,000 | 5,916 |
| Average total loans | $20,271,500 | 5,885 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 1,885 |
| Cost of funding earning assets | 0.4514% | 3,160 |
| Net interest margin | 4.0442% | 1,755 |
| Noninterest income to average assets | 0.0853% | 6,204 |
| Noninterest expense to average assets | 3.1983% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5410% | 4,635 |
| Return on assets (ROA) | 0.5410% | 4,723 |
| Pretax return on assets | 0.5410% | 5,136 |
| Return on Equity (ROE) | 6.0085% | 4,146 |
| Retained earnings to average equity (ytd only) | 0.2311% | 5,674 |
| Net charge-offs to loans | 0.0422% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 28.8889% | 1,380 |
| Efficiency ratio | 85.5314% | 1,228 |
| Assets per employee ($millions) | 3.1202% | 5,532 |
| Cash dividends to net income (ytd only)* | 96.1538% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 2,053 |
| Loan loss allowance to noncurrent loans | 838.4615% | 696 |
| Noncurrent assets plus other real estate owned to assets | 1.6238% | 1,662 |
| Noncurrent loans to loans | 0.1921% | 5,131 |
| Net loans and leases to total assets | 42.6703% | 5,566 |
| Net loans and leases to deposits | 47.3269% | 5,724 |
| Net loans and leases to core deposits | 49.2455% | 5,749 |
| Total domestic deposits to total assets | 90.1609% | 666 |
| Equity capital to assets | 9.6468% | 4,534 |
| Core capital (leverage) ratio | 9.8385% | 3,788 |
| Tier 1 risk-based capital ratio | 21.1309% | 1,378 |
| Total risk-based capital ratio | 22.3865% | 1,348 |
| Memoranda: | ||
| Average total assets | $48,057,400 | 5,833 |
| Average earning assets | $43,420,000 | 5,842 |
| Average equity | $4,327,200 | 6,027 |
| Average total loans | $21,343,600 | 5,908 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,764 |
| Cost of funding earning assets | 0.4531% | 3,210 |
| Net interest margin | 4.0780% | 1,643 |
| Noninterest income to average assets | 0.1103% | 6,206 |
| Noninterest expense to average assets | 3.1726% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6340% | 4,287 |
| Return on assets (ROA) | 0.6340% | 4,391 |
| Pretax return on assets | 0.6340% | 4,925 |
| Return on Equity (ROE) | 7.1645% | 3,628 |
| Retained earnings to average equity (ytd only) | 1.4018% | 5,338 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3454% | 1,467 |
| Assets per employee ($millions) | 3.2843% | 5,266 |
| Cash dividends to net income (ytd only)* | 80.4344% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 2,296 |
| Loan loss allowance to noncurrent loans | 550.8197% | 899 |
| Noncurrent assets plus other real estate owned to assets | 1.7030% | 1,768 |
| Noncurrent loans to loans | 0.2909% | 5,039 |
| Net loans and leases to total assets | 41.8837% | 5,684 |
| Net loans and leases to deposits | 46.1198% | 5,857 |
| Net loans and leases to core deposits | 47.9392% | 5,885 |
| Total domestic deposits to total assets | 90.8150% | 415 |
| Equity capital to assets | 9.0064% | 5,346 |
| Core capital (leverage) ratio | 9.7813% | 3,954 |
| Tier 1 risk-based capital ratio | 20.0748% | 1,655 |
| Total risk-based capital ratio | 21.3263% | 1,623 |
| Memoranda: | ||
| Average total assets | $48,371,000 | 5,894 |
| Average earning assets | $43,844,500 | 5,903 |
| Average equity | $4,280,250 | 6,101 |
| Average total loans | $21,605,000 | 5,964 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 1,657 |
| Cost of funding earning assets | 0.4591% | 3,227 |
| Net interest margin | 4.0954% | 1,531 |
| Noninterest income to average assets | 0.3578% | 4,558 |
| Noninterest expense to average assets | 3.2243% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8445% | 3,103 |
| Return on assets (ROA) | 0.8445% | 3,203 |
| Pretax return on assets | 0.8445% | 4,102 |
| Return on Equity (ROE) | 9.6026% | 2,324 |
| Retained earnings to average equity (ytd only) | 3.6897% | 3,844 |
| Net charge-offs to loans | 0.0092% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 325 |
| Efficiency ratio | 79.2434% | 2,130 |
| Assets per employee ($millions) | 3.0298% | 5,717 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,707 |
| Loan loss allowance to noncurrent loans | 129.8450% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8916% | 1,712 |
| Noncurrent loans to loans | 1.1879% | 2,855 |
| Net loans and leases to total assets | 44.1116% | 5,526 |
| Net loans and leases to deposits | 48.7174% | 5,728 |
| Net loans and leases to core deposits | 49.8799% | 5,800 |
| Total domestic deposits to total assets | 90.5460% | 563 |
| Equity capital to assets | 9.2456% | 5,043 |
| Core capital (leverage) ratio | 9.8907% | 3,757 |
| Tier 1 risk-based capital ratio | 20.1263% | 1,659 |
| Total risk-based capital ratio | 21.3808% | 1,627 |
| Memoranda: | ||
| Average total assets | $48,073,000 | 5,946 |
| Average earning assets | $43,561,000 | 5,957 |
| Average equity | $4,228,000 | 6,153 |
| Average total loans | $21,816,670 | 6,000 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 1,553 |
| Cost of funding earning assets | 0.4793% | 3,116 |
| Net interest margin | 4.1017% | 1,449 |
| Noninterest income to average assets | 0.3342% | 4,699 |
| Noninterest expense to average assets | 3.2755% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7771% | 3,265 |
| Return on assets (ROA) | 0.7771% | 3,348 |
| Pretax return on assets | 0.7771% | 4,192 |
| Return on Equity (ROE) | 9.0710% | 2,429 |
| Retained earnings to average equity (ytd only) | 3.2187% | 4,189 |
| Net charge-offs to loans | 0.0549% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,026 |
| Efficiency ratio | 80.8247% | 2,077 |
| Assets per employee ($millions) | 3.0701% | 5,742 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,061 |
| Loan loss allowance to noncurrent loans | 219.0789% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 2,119 |
| Noncurrent loans to loans | 0.6941% | 4,134 |
| Net loans and leases to total assets | 43.9009% | 5,523 |
| Net loans and leases to deposits | 48.0889% | 5,726 |
| Net loans and leases to core deposits | 49.4939% | 5,793 |
| Total domestic deposits to total assets | 91.2911% | 452 |
| Equity capital to assets | 8.5440% | 5,608 |
| Core capital (leverage) ratio | 10.0612% | 3,482 |
| Tier 1 risk-based capital ratio | 20.0724% | 1,699 |
| Total risk-based capital ratio | 21.3269% | 1,667 |
| Memoranda: | ||
| Average total assets | $47,871,000 | 6,008 |
| Average earning assets | $43,396,500 | 6,019 |
| Average equity | $4,101,000 | 6,225 |
| Average total loans | $21,865,500 | 6,054 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,625 |
| Cost of funding earning assets | 0.5354% | 3,245 |
| Net interest margin | 4.1439% | 1,528 |
| Noninterest income to average assets | 0.2820% | 5,340 |
| Noninterest expense to average assets | 3.2406% | 2,308 |
| Loan and lease loss provision to assets | 0.3400% | 939 |
| Net operating income to assets | 0.4727% | 4,855 |
| Return on assets (ROA) | 0.6407% | 4,176 |
| Pretax return on assets | 0.6407% | 4,736 |
| Return on Equity (ROE) | 6.8893% | 3,627 |
| Retained earnings to average equity (ytd only) | 0.2007% | 5,755 |
| Net charge-offs to loans | 0.8656% | 710 |
| Credit loss provision to net charge-offs | 84.9741% | 2,895 |
| Earnings coverage of net charge-offs (x) | 2.0311% | 4,369 |
| Efficiency ratio | 79.9488% | 2,153 |
| Assets per employee ($millions) | 2.9138% | 5,967 |
| Cash dividends to net income (ytd only)* | 97.0874% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,011 |
| Loan loss allowance to noncurrent loans | 157.0093% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 1,921 |
| Noncurrent loans to loans | 0.9802% | 3,560 |
| Net loans and leases to total assets | 46.1111% | 5,474 |
| Net loans and leases to deposits | 50.5574% | 5,727 |
| Net loans and leases to core deposits | 52.9652% | 5,732 |
| Total domestic deposits to total assets | 91.2055% | 500 |
| Equity capital to assets | 8.5907% | 5,485 |
| Core capital (leverage) ratio | 9.8447% | 3,783 |
| Tier 1 risk-based capital ratio | 20.3227% | 1,579 |
| Total risk-based capital ratio | 21.5757% | 1,546 |
| Memoranda: | ||
| Average total assets | $48,231,600 | 6,061 |
| Average earning assets | $43,895,800 | 6,054 |
| Average equity | $4,485,200 | 6,206 |
| Average total loans | $22,295,400 | 6,105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,749 |
| Cost of funding earning assets | 0.5337% | 3,432 |
| Net interest margin | 4.1158% | 1,586 |
| Noninterest income to average assets | 0.3619% | 4,802 |
| Noninterest expense to average assets | 3.2322% | 2,258 |
| Loan and lease loss provision to assets | 0.0192% | 4,626 |
| Net operating income to assets | 0.8526% | 3,087 |
| Return on assets (ROA) | 0.8910% | 2,994 |
| Pretax return on assets | 0.8910% | 3,924 |
| Return on Equity (ROE) | 9.4093% | 2,438 |
| Retained earnings to average equity (ytd only) | 1.8818% | 5,191 |
| Net charge-offs to loans | 0.1012% | 3,533 |
| Credit loss provision to net charge-offs | 41.1765% | 3,688 |
| Earnings coverage of net charge-offs (x) | 18.7027% | 1,663 |
| Efficiency ratio | 78.7575% | 2,300 |
| Assets per employee ($millions) | 2.9254% | 5,969 |
| Cash dividends to net income (ytd only)* | 80.0009% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,033 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 2.0872% | 1,915 |
| Noncurrent loans to loans | 3.8218% | 947 |
| Net loans and leases to total assets | 44.1133% | 5,719 |
| Net loans and leases to deposits | 48.3216% | 5,938 |
| Net loans and leases to core deposits | 51.1900% | 5,936 |
| Total domestic deposits to total assets | 91.2911% | 427 |
| Equity capital to assets | 8.5299% | 5,707 |
| Core capital (leverage) ratio | 9.7339% | 4,055 |
| Tier 1 risk-based capital ratio | 20.0418% | 1,726 |
| Total risk-based capital ratio | 21.2923% | 1,700 |
| Memoranda: | ||
| Average total assets | $48,634,500 | 6,121 |
| Average earning assets | $44,218,250 | 6,120 |
| Average equity | $4,605,250 | 6,246 |
| Average total loans | $22,411,000 | 6,165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,716 |
| Cost of funding earning assets | 0.5480% | 3,440 |
| Net interest margin | 4.0960% | 1,551 |
| Noninterest income to average assets | 0.3688% | 4,764 |
| Noninterest expense to average assets | 3.2277% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8577% | 3,007 |
| Return on assets (ROA) | 0.8577% | 3,153 |
| Pretax return on assets | 0.8577% | 4,083 |
| Return on Equity (ROE) | 8.7594% | 2,728 |
| Retained earnings to average equity (ytd only) | 1.9889% | 5,005 |
| Net charge-offs to loans | 0.1336% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,874 |
| Efficiency ratio | 79.0061% | 2,299 |
| Assets per employee ($millions) | 2.6343% | 6,369 |
| Cash dividends to net income (ytd only)* | 77.2947% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,286 |
| Loan loss allowance to noncurrent loans | 34.5813% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 2.5328% | 1,669 |
| Noncurrent loans to loans | 4.5345% | 768 |
| Net loans and leases to total assets | 46.4665% | 5,484 |
| Net loans and leases to deposits | 51.3291% | 5,745 |
| Net loans and leases to core deposits | 53.4094% | 5,800 |
| Total domestic deposits to total assets | 90.5266% | 742 |
| Equity capital to assets | 9.2435% | 4,931 |
| Core capital (leverage) ratio | 10.0235% | 3,475 |
| Tier 1 risk-based capital ratio | 20.4018% | 1,631 |
| Total risk-based capital ratio | 21.6499% | 1,608 |
| Memoranda: | ||
| Average total assets | $48,269,000 | 6,172 |
| Average earning assets | $43,798,670 | 6,163 |
| Average equity | $4,726,330 | 6,262 |
| Average total loans | $22,450,330 | 6,194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,690 |
| Cost of funding earning assets | 0.5465% | 3,605 |
| Net interest margin | 4.0987% | 1,467 |
| Noninterest income to average assets | 0.3532% | 4,852 |
| Noninterest expense to average assets | 3.2447% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8050% | 3,133 |
| Return on assets (ROA) | 0.8050% | 3,267 |
| Pretax return on assets | 0.8050% | 4,154 |
| Return on Equity (ROE) | 8.0033% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.1033% | 4,418 |
| Net charge-offs to loans | 0.2313% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.5385% | 2,055 |
| Efficiency ratio | 80.1217% | 2,322 |
| Assets per employee ($millions) | 2.7203% | 6,376 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,453 |
| Loan loss allowance to noncurrent loans | 43.1902% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 2,290 |
| Noncurrent loans to loans | 3.6743% | 1,288 |
| Net loans and leases to total assets | 44.5799% | 5,601 |
| Net loans and leases to deposits | 49.6441% | 5,812 |
| Net loans and leases to core deposits | 51.9120% | 5,830 |
| Total domestic deposits to total assets | 89.7990% | 1,165 |
| Equity capital to assets | 10.0519% | 4,080 |
| Core capital (leverage) ratio | 9.9889% | 3,397 |
| Tier 1 risk-based capital ratio | 20.2062% | 1,719 |
| Total risk-based capital ratio | 21.4789% | 1,689 |
| Memoranda: | ||
| Average total assets | $48,695,000 | 6,217 |
| Average earning assets | $43,916,500 | 6,214 |
| Average equity | $4,898,000 | 6,280 |
| Average total loans | $22,483,500 | 6,251 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 1,638 |
| Cost of funding earning assets | 0.6889% | 3,581 |
| Net interest margin | 4.2824% | 1,440 |
| Noninterest income to average assets | 0.0875% | 6,555 |
| Noninterest expense to average assets | 3.3014% | 2,326 |
| Loan and lease loss provision to assets | 0.1355% | 3,933 |
| Net operating income to assets | 0.5377% | 4,525 |
| Return on assets (ROA) | 0.6461% | 4,272 |
| Pretax return on assets | 0.6461% | 4,835 |
| Return on Equity (ROE) | 6.2786% | 4,026 |
| Retained earnings to average equity (ytd only) | 0.0608% | 5,801 |
| Net charge-offs to loans | 0.1759% | 3,971 |
| Credit loss provision to net charge-offs | 158.5366% | 1,694 |
| Earnings coverage of net charge-offs (x) | 7.8780% | 2,512 |
| Efficiency ratio | 83.0624% | 1,740 |
| Assets per employee ($millions) | 2.6902% | 6,431 |
| Cash dividends to net income (ytd only)* | 99.0323% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,305 |
| Loan loss allowance to noncurrent loans | 44.0290% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.5194% | 1,935 |
| Noncurrent loans to loans | 3.6382% | 1,347 |
| Net loans and leases to total assets | 46.3014% | 5,582 |
| Net loans and leases to deposits | 51.5662% | 5,834 |
| Net loans and leases to core deposits | 54.6267% | 5,833 |
| Total domestic deposits to total assets | 89.7902% | 1,073 |
| Equity capital to assets | 10.0653% | 4,085 |
| Core capital (leverage) ratio | 9.7878% | 3,674 |
| Tier 1 risk-based capital ratio | 19.6239% | 1,779 |
| Total risk-based capital ratio | 20.8818% | 1,745 |
| Memoranda: | ||
| Average total assets | $47,980,000 | 6,264 |
| Average earning assets | $43,550,000 | 6,248 |
| Average equity | $4,937,400 | 6,307 |
| Average total loans | $23,313,200 | 6,276 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 1,553 |
| Cost of funding earning assets | 0.7007% | 3,769 |
| Net interest margin | 4.3520% | 1,343 |
| Noninterest income to average assets | 0.3844% | 4,754 |
| Noninterest expense to average assets | 3.3257% | 2,203 |
| Loan and lease loss provision to assets | 0.0056% | 5,739 |
| Net operating income to assets | 0.9971% | 2,524 |
| Return on assets (ROA) | 0.9971% | 2,746 |
| Pretax return on assets | 0.9971% | 3,729 |
| Return on Equity (ROE) | 9.6365% | 2,526 |
| Retained earnings to average equity (ytd only) | 1.3728% | 5,626 |
| Net charge-offs to loans | 0.0171% | 5,441 |
| Credit loss provision to net charge-offs | 66.6667% | 3,990 |
| Earnings coverage of net charge-offs (x) | 119.9975% | 358 |
| Efficiency ratio | 76.8340% | 2,546 |
| Assets per employee ($millions) | 2.7036% | 6,484 |
| Cash dividends to net income (ytd only)* | 85.7538% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 4,056 |
| Loan loss allowance to noncurrent loans | 38.3747% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 2.9118% | 1,802 |
| Noncurrent loans to loans | 3.8383% | 1,370 |
| Net loans and leases to total assets | 46.7348% | 5,686 |
| Net loans and leases to deposits | 52.2107% | 5,962 |
| Net loans and leases to core deposits | 55.6731% | 5,919 |
| Total domestic deposits to total assets | 89.5118% | 1,117 |
| Equity capital to assets | 10.2910% | 4,091 |
| Core capital (leverage) ratio | 9.9105% | 3,681 |
| Tier 1 risk-based capital ratio | 19.6777% | 1,833 |
| Total risk-based capital ratio | 20.9307% | 1,808 |
| Memoranda: | ||
| Average total assets | $47,869,000 | 6,342 |
| Average earning assets | $43,380,750 | 6,327 |
| Average equity | $4,953,250 | 6,371 |
| Average total loans | $23,445,000 | 6,357 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 1,371 |
| Cost of funding earning assets | 0.7247% | 3,811 |
| Net interest margin | 4.4272% | 1,133 |
| Noninterest income to average assets | 0.3823% | 4,778 |
| Noninterest expense to average assets | 3.3821% | 2,075 |
| Loan and lease loss provision to assets | 0.0084% | 5,551 |
| Net operating income to assets | 0.9957% | 2,483 |
| Return on assets (ROA) | 0.9957% | 2,708 |
| Pretax return on assets | 0.9957% | 3,725 |
| Return on Equity (ROE) | 9.6049% | 2,527 |
| Retained earnings to average equity (ytd only) | 1.2969% | 5,544 |
| Net charge-offs to loans | -0.0085% | 6,249 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1073% | 2,575 |
| Assets per employee ($millions) | 2.6169% | 6,635 |
| Cash dividends to net income (ytd only)* | 86.4979% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,159 |
| Loan loss allowance to noncurrent loans | 42.2086% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 2.8596% | 1,926 |
| Noncurrent loans to loans | 3.4816% | 1,648 |
| Net loans and leases to total assets | 48.9661% | 5,491 |
| Net loans and leases to deposits | 54.8958% | 5,780 |
| Net loans and leases to core deposits | 56.1588% | 5,931 |
| Total domestic deposits to total assets | 89.1984% | 1,389 |
| Equity capital to assets | 10.5681% | 3,606 |
| Core capital (leverage) ratio | 9.9048% | 3,564 |
| Tier 1 risk-based capital ratio | 19.5889% | 1,820 |
| Total risk-based capital ratio | 20.8452% | 1,789 |
| Memoranda: | ||
| Average total assets | $47,604,000 | 6,395 |
| Average earning assets | $43,052,000 | 6,378 |
| Average equity | $4,935,000 | 6,406 |
| Average total loans | $23,565,670 | 6,387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 1,504 |
| Cost of funding earning assets | 0.7389% | 3,955 |
| Net interest margin | 4.3872% | 1,255 |
| Noninterest income to average assets | 0.3761% | 4,847 |
| Noninterest expense to average assets | 3.3268% | 2,212 |
| Loan and lease loss provision to assets | 0.0167% | 5,116 |
| Net operating income to assets | 1.0031% | 2,471 |
| Return on assets (ROA) | 1.0031% | 2,659 |
| Pretax return on assets | 1.0031% | 3,666 |
| Return on Equity (ROE) | 9.7690% | 2,484 |
| Retained earnings to average equity (ytd only) | 1.6282% | 5,423 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5385% | 2,708 |
| Assets per employee ($millions) | 2.7134% | 6,616 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,339 |
| Loan loss allowance to noncurrent loans | 42.2935% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.7497% | 2,139 |
| Noncurrent loans to loans | 3.4514% | 1,808 |
| Net loans and leases to total assets | 47.4080% | 5,630 |
| Net loans and leases to deposits | 52.7954% | 5,915 |
| Net loans and leases to core deposits | 54.2742% | 6,037 |
| Total domestic deposits to total assets | 89.7957% | 1,196 |
| Equity capital to assets | 10.0139% | 4,109 |
| Core capital (leverage) ratio | 9.9513% | 3,425 |
| Tier 1 risk-based capital ratio | 19.1354% | 1,951 |
| Total risk-based capital ratio | 20.4017% | 1,916 |
| Memoranda: | ||
| Average total assets | $47,854,000 | 6,438 |
| Average earning assets | $43,307,500 | 6,416 |
| Average equity | $4,913,500 | 6,449 |
| Average total loans | $23,644,000 | 6,436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 1,749 |
| Cost of funding earning assets | 0.8266% | 4,657 |
| Net interest margin | 4.4590% | 1,230 |
| Noninterest income to average assets | 0.3490% | 5,016 |
| Noninterest expense to average assets | 3.3212% | 2,452 |
| Loan and lease loss provision to assets | 0.2176% | 4,019 |
| Net operating income to assets | 0.8519% | 2,812 |
| Return on assets (ROA) | 0.8724% | 2,867 |
| Pretax return on assets | 0.8724% | 3,702 |
| Return on Equity (ROE) | 8.8549% | 2,519 |
| Retained earnings to average equity (ytd only) | 1.5418% | 5,109 |
| Net charge-offs to loans | 0.4466% | 3,201 |
| Credit loss provision to net charge-offs | 96.3636% | 3,738 |
| Earnings coverage of net charge-offs (x) | 4.7364% | 2,993 |
| Efficiency ratio | 75.6428% | 2,950 |
| Assets per employee ($millions) | 2.6037% | 6,714 |
| Cash dividends to net income (ytd only)* | 82.5882% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,318 |
| Loan loss allowance to noncurrent loans | 41.5347% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 2.8891% | 2,089 |
| Noncurrent loans to loans | 3.4510% | 1,864 |
| Net loans and leases to total assets | 50.0341% | 5,576 |
| Net loans and leases to deposits | 56.0605% | 5,888 |
| Net loans and leases to core deposits | 57.7932% | 6,011 |
| Total domestic deposits to total assets | 89.2502% | 1,398 |
| Equity capital to assets | 10.5322% | 3,499 |
| Core capital (leverage) ratio | 9.9058% | 3,446 |
| Tier 1 risk-based capital ratio | 19.2777% | 1,825 |
| Total risk-based capital ratio | 20.5223% | 1,794 |
| Memoranda: | ||
| Average total assets | $48,716,600 | 6,401 |
| Average earning assets | $44,157,400 | 6,382 |
| Average equity | $4,799,600 | 6,506 |
| Average total loans | $24,632,800 | 6,437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2691% | 1,967 |
| Cost of funding earning assets | 0.8338% | 4,911 |
| Net interest margin | 4.4352% | 1,304 |
| Noninterest income to average assets | 0.3389% | 5,144 |
| Noninterest expense to average assets | 3.3103% | 2,465 |
| Loan and lease loss provision to assets | 0.0596% | 5,696 |
| Net operating income to assets | 0.9923% | 2,358 |
| Return on assets (ROA) | 1.0194% | 2,410 |
| Pretax return on assets | 1.0194% | 3,333 |
| Return on Equity (ROE) | 10.5198% | 2,020 |
| Retained earnings to average equity (ytd only) | 2.0984% | 5,089 |
| Net charge-offs to loans | 0.0752% | 5,214 |
| Credit loss provision to net charge-offs | 157.1429% | 1,974 |
| Earnings coverage of net charge-offs (x) | 27.7086% | 984 |
| Efficiency ratio | 75.8856% | 2,860 |
| Assets per employee ($millions) | 2.6616% | 6,707 |
| Cash dividends to net income (ytd only)* | 80.0527% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 4,342 |
| Loan loss allowance to noncurrent loans | 34.0385% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 3.0433% | 2,108 |
| Noncurrent loans to loans | 4.2524% | 1,538 |
| Net loans and leases to total assets | 50.3100% | 5,672 |
| Net loans and leases to deposits | 56.2392% | 6,011 |
| Net loans and leases to core deposits | 57.3144% | 6,197 |
| Total domestic deposits to total assets | 89.4571% | 1,163 |
| Equity capital to assets | 10.3175% | 3,932 |
| Core capital (leverage) ratio | 9.9252% | 3,538 |
| Tier 1 risk-based capital ratio | 18.8773% | 1,973 |
| Total risk-based capital ratio | 20.1358% | 1,937 |
| Memoranda: | ||
| Average total assets | $49,179,250 | 6,448 |
| Average earning assets | $44,611,250 | 6,432 |
| Average equity | $4,765,500 | 6,570 |
| Average total loans | $24,843,500 | 6,487 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 2,123 |
| Cost of funding earning assets | 0.8547% | 5,028 |
| Net interest margin | 4.3800% | 1,437 |
| Noninterest income to average assets | 0.2943% | 5,526 |
| Noninterest expense to average assets | 3.2660% | 2,681 |
| Loan and lease loss provision to assets | 0.0282% | 5,950 |
| Net operating income to assets | 0.9879% | 2,275 |
| Return on assets (ROA) | 1.0282% | 2,207 |
| Pretax return on assets | 1.0282% | 3,126 |
| Return on Equity (ROE) | 10.8365% | 1,851 |
| Retained earnings to average equity (ytd only) | 2.2948% | 4,832 |
| Net charge-offs to loans | 0.0881% | 4,775 |
| Credit loss provision to net charge-offs | 63.6364% | 4,251 |
| Earnings coverage of net charge-offs (x) | 22.9091% | 1,108 |
| Efficiency ratio | 76.2712% | 2,970 |
| Assets per employee ($millions) | 2.6249% | 6,749 |
| Cash dividends to net income (ytd only)* | 78.8235% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,611 |
| Loan loss allowance to noncurrent loans | 32.6316% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 3.1599% | 2,126 |
| Noncurrent loans to loans | 4.2690% | 1,585 |
| Net loans and leases to total assets | 51.0868% | 5,686 |
| Net loans and leases to deposits | 57.0773% | 6,043 |
| Net loans and leases to core deposits | 57.9864% | 6,273 |
| Total domestic deposits to total assets | 89.5045% | 1,239 |
| Equity capital to assets | 10.2817% | 3,776 |
| Core capital (leverage) ratio | 9.6789% | 3,686 |
| Tier 1 risk-based capital ratio | 18.7947% | 1,910 |
| Total risk-based capital ratio | 20.0456% | 1,871 |
| Memoranda: | ||
| Average total assets | $49,602,670 | 6,491 |
| Average earning assets | $45,159,670 | 6,468 |
| Average equity | $4,706,330 | 6,622 |
| Average total loans | $24,972,330 | 6,539 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 2,462 |
| Cost of funding earning assets | 0.8557% | 5,238 |
| Net interest margin | 4.2873% | 1,599 |
| Noninterest income to average assets | 0.1812% | 6,425 |
| Noninterest expense to average assets | 3.1351% | 3,125 |
| Loan and lease loss provision to assets | 0.0551% | 5,315 |
| Net operating income to assets | 0.8980% | 2,571 |
| Return on assets (ROA) | 0.9768% | 2,317 |
| Pretax return on assets | 0.9768% | 3,215 |
| Return on Equity (ROE) | 10.7116% | 1,830 |
| Retained earnings to average equity (ytd only) | 2.0732% | 4,899 |
| Net charge-offs to loans | 0.0159% | 4,859 |
| Credit loss provision to net charge-offs | 700.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 269 |
| Efficiency ratio | 76.6859% | 3,036 |
| Assets per employee ($millions) | 2.9394% | 6,256 |
| Cash dividends to net income (ytd only)* | 80.6452% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,549 |
| Loan loss allowance to noncurrent loans | 31.2000% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 2.9768% | 2,319 |
| Noncurrent loans to loans | 4.5632% | 1,524 |
| Net loans and leases to total assets | 45.9336% | 6,295 |
| Net loans and leases to deposits | 50.4578% | 6,591 |
| Net loans and leases to core deposits | 51.1427% | 6,724 |
| Total domestic deposits to total assets | 91.0337% | 612 |
| Equity capital to assets | 8.8019% | 5,494 |
| Core capital (leverage) ratio | 9.6204% | 3,635 |
| Tier 1 risk-based capital ratio | 17.9214% | 2,138 |
| Total risk-based capital ratio | 19.1755% | 2,104 |
| Memoranda: | ||
| Average total assets | $50,779,500 | 6,508 |
| Average earning assets | $46,276,500 | 6,479 |
| Average equity | $4,630,500 | 6,674 |
| Average total loans | $25,219,000 | 6,580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6761% | 1,658 |
| Cost of funding earning assets | 1.3085% | 3,827 |
| Net interest margin | 4.3676% | 1,592 |
| Noninterest income to average assets | 0.4109% | 4,818 |
| Noninterest expense to average assets | 3.2465% | 2,929 |
| Loan and lease loss provision to assets | 0.1450% | 5,734 |
| Net operating income to assets | 0.9204% | 2,316 |
| Return on assets (ROA) | 0.9204% | 2,438 |
| Pretax return on assets | 0.9587% | 3,070 |
| Return on Equity (ROE) | 9.6773% | 2,044 |
| Retained earnings to average equity (ytd only) | 0.0212% | 5,567 |
| Net charge-offs to loans | 0.2231% | 4,950 |
| Credit loss provision to net charge-offs | 122.0339% | 3,433 |
| Earnings coverage of net charge-offs (x) | 9.2881% | 1,845 |
| Efficiency ratio | 74.6296% | 3,270 |
| Assets per employee ($millions) | 2.7028% | 6,681 |
| Cash dividends to net income (ytd only)* | 99.7812% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,797 |
| Loan loss allowance to noncurrent loans | 31.8600% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 3.2703% | 2,162 |
| Noncurrent loans to loans | 4.2119% | 1,721 |
| Net loans and leases to total assets | 52.2878% | 5,871 |
| Net loans and leases to deposits | 57.9071% | 6,265 |
| Net loans and leases to core deposits | 59.3541% | 6,449 |
| Total domestic deposits to total assets | 90.2960% | 934 |
| Equity capital to assets | 9.4635% | 4,449 |
| Core capital (leverage) ratio | 9.4386% | 3,789 |
| Tier 1 risk-based capital ratio | 18.0923% | 1,970 |
| Total risk-based capital ratio | 19.3493% | 1,935 |
| Memoranda: | ||
| Average total assets | $49,653,000 | 6,551 |
| Average earning assets | $44,784,200 | 6,549 |
| Average equity | $4,722,400 | 6,752 |
| Average total loans | $26,450,000 | 6,589 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7548% | 1,529 |
| Cost of funding earning assets | 1.3852% | 3,665 |
| Net interest margin | 4.3696% | 1,616 |
| Noninterest income to average assets | 0.4195% | 4,804 |
| Noninterest expense to average assets | 3.1767% | 3,009 |
| Loan and lease loss provision to assets | 0.0828% | 6,212 |
| Net operating income to assets | 1.0553% | 2,052 |
| Return on assets (ROA) | 1.0553% | 2,160 |
| Pretax return on assets | 1.0874% | 2,864 |
| Return on Equity (ROE) | 11.0827% | 1,763 |
| Retained earnings to average equity (ytd only) | 2.4971% | 4,673 |
| Net charge-offs to loans | 0.1503% | 5,105 |
| Credit loss provision to net charge-offs | 103.3333% | 4,152 |
| Earnings coverage of net charge-offs (x) | 14.5998% | 1,502 |
| Efficiency ratio | 73.0793% | 3,507 |
| Assets per employee ($millions) | 2.9364% | 6,296 |
| Cash dividends to net income (ytd only)* | 77.4689% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 5,068 |
| Loan loss allowance to noncurrent loans | 21.6634% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 3.2920% | 2,167 |
| Noncurrent loans to loans | 5.9032% | 1,078 |
| Net loans and leases to total assets | 49.0739% | 6,424 |
| Net loans and leases to deposits | 54.2522% | 6,755 |
| Net loans and leases to core deposits | 56.0143% | 6,857 |
| Total domestic deposits to total assets | 90.4550% | 655 |
| Equity capital to assets | 9.2952% | 5,150 |
| Core capital (leverage) ratio | 9.5769% | 3,799 |
| Tier 1 risk-based capital ratio | 17.9316% | 2,041 |
| Total risk-based capital ratio | 19.1884% | 2,004 |
| Memoranda: | ||
| Average total assets | $49,903,750 | 6,617 |
| Average earning assets | $44,854,250 | 6,623 |
| Average equity | $4,752,000 | 6,826 |
| Average total loans | $26,616,500 | 6,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 1,376 |
| Cost of funding earning assets | 1.4709% | 3,421 |
| Net interest margin | 4.3502% | 1,587 |
| Noninterest income to average assets | 0.4252% | 4,713 |
| Noninterest expense to average assets | 3.2420% | 2,755 |
| Loan and lease loss provision to assets | 0.0531% | 6,428 |
| Net operating income to assets | 1.0875% | 1,896 |
| Return on assets (ROA) | 1.0875% | 1,966 |
| Pretax return on assets | 1.1079% | 2,760 |
| Return on Equity (ROE) | 11.3232% | 1,642 |
| Retained earnings to average equity (ytd only) | 2.5541% | 4,524 |
| Net charge-offs to loans | 0.1047% | 5,103 |
| Credit loss provision to net charge-offs | 92.8571% | 4,341 |
| Earnings coverage of net charge-offs (x) | 20.2857% | 1,223 |
| Efficiency ratio | 73.6305% | 3,539 |
| Assets per employee ($millions) | 2.7548% | 6,676 |
| Cash dividends to net income (ytd only)* | 77.4436% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 5,128 |
| Loan loss allowance to noncurrent loans | 20.8125% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 3.9850% | 1,739 |
| Noncurrent loans to loans | 6.0574% | 1,050 |
| Net loans and leases to total assets | 52.5975% | 6,150 |
| Net loans and leases to deposits | 58.4986% | 6,541 |
| Net loans and leases to core deposits | 60.0959% | 6,709 |
| Total domestic deposits to total assets | 89.9125% | 957 |
| Equity capital to assets | 9.7306% | 4,367 |
| Core capital (leverage) ratio | 9.4951% | 3,830 |
| Tier 1 risk-based capital ratio | 18.1450% | 1,924 |
| Total risk-based capital ratio | 19.4056% | 1,888 |
| Memoranda: | ||
| Average total assets | $48,920,000 | 6,700 |
| Average earning assets | $44,733,330 | 6,671 |
| Average equity | $4,698,330 | 6,877 |
| Average total loans | $26,730,670 | 6,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8064% | 1,434 |
| Cost of funding earning assets | 1.5454% | 3,300 |
| Net interest margin | 4.2610% | 1,819 |
| Noninterest income to average assets | 0.3869% | 5,023 |
| Noninterest expense to average assets | 3.2025% | 2,851 |
| Loan and lease loss provision to assets | 0.0247% | 6,416 |
| Net operating income to assets | 1.1032% | 1,821 |
| Return on assets (ROA) | 1.1032% | 1,906 |
| Pretax return on assets | 1.0867% | 2,783 |
| Return on Equity (ROE) | 11.5642% | 1,622 |
| Retained earnings to average equity (ytd only) | 2.5027% | 4,635 |
| Net charge-offs to loans | 0.2529% | 3,431 |
| Credit loss provision to net charge-offs | 17.6471% | 4,972 |
| Earnings coverage of net charge-offs (x) | 7.9412% | 2,015 |
| Efficiency ratio | 74.2366% | 3,541 |
| Assets per employee ($millions) | 2.7303% | 6,800 |
| Cash dividends to net income (ytd only)* | 78.3582% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 5,462 |
| Loan loss allowance to noncurrent loans | 31.0745% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8569% | 2,530 |
| Noncurrent loans to loans | 3.8889% | 2,031 |
| Net loans and leases to total assets | 53.3971% | 6,104 |
| Net loans and leases to deposits | 59.2063% | 6,539 |
| Net loans and leases to core deposits | 60.8750% | 6,678 |
| Total domestic deposits to total assets | 90.1882% | 894 |
| Equity capital to assets | 9.4455% | 4,620 |
| Core capital (leverage) ratio | 9.5929% | 3,653 |
| Tier 1 risk-based capital ratio | 17.9670% | 1,950 |
| Total risk-based capital ratio | 19.2002% | 1,925 |
| Memoranda: | ||
| Average total assets | $48,587,000 | 6,782 |
| Average earning assets | $44,778,500 | 6,747 |
| Average equity | $4,635,000 | 6,964 |
| Average total loans | $26,889,000 | 6,779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2151% | 1,201 |
| Cost of funding earning assets | 1.8040% | 3,971 |
| Net interest margin | 4.4111% | 1,398 |
| Noninterest income to average assets | 0.2971% | 5,981 |
| Noninterest expense to average assets | 3.4651% | 2,472 |
| Loan and lease loss provision to assets | 0.0340% | 7,191 |
| Net operating income to assets | 0.8063% | 2,517 |
| Return on assets (ROA) | 0.8063% | 2,599 |
| Pretax return on assets | 0.8657% | 3,031 |
| Return on Equity (ROE) | 8.1587% | 2,305 |
| Retained earnings to average equity (ytd only) | -1.5029% | 5,393 |
| Net charge-offs to loans | 0.0435% | 6,673 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 666 |
| Efficiency ratio | 79.3875% | 2,976 |
| Assets per employee ($millions) | 2.8252% | 6,614 |
| Cash dividends to net income (ytd only)* | 118.4211% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,168 |
| Loan loss allowance to noncurrent loans | 27.1916% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 3.5458% | 1,889 |
| Noncurrent loans to loans | 4.5269% | 1,569 |
| Net loans and leases to total assets | 55.9662% | 5,959 |
| Net loans and leases to deposits | 62.2064% | 6,443 |
| Net loans and leases to core deposits | 75.8872% | 6,408 |
| Total domestic deposits to total assets | 89.9686% | 976 |
| Equity capital to assets | 9.6358% | 4,234 |
| Core capital (leverage) ratio | 9.6648% | 3,505 |
| Tier 1 risk-based capital ratio | 17.6737% | 1,980 |
| Total risk-based capital ratio | 18.9399% | 1,929 |
| Memoranda: | ||
| Average total assets | $47,127,600 | 6,824 |
| Average earning assets | $43,458,400 | 6,788 |
| Average equity | $4,657,600 | 7,063 |
| Average total loans | $27,591,000 | 6,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3719% | 980 |
| Cost of funding earning assets | 1.8214% | 4,282 |
| Net interest margin | 4.5505% | 1,073 |
| Noninterest income to average assets | 0.3781% | 5,488 |
| Noninterest expense to average assets | 3.4369% | 2,458 |
| Loan and lease loss provision to assets | 0.0455% | 6,913 |
| Net operating income to assets | 1.0404% | 1,935 |
| Return on assets (ROA) | 1.0404% | 1,994 |
| Pretax return on assets | 1.1001% | 2,567 |
| Return on Equity (ROE) | 10.4607% | 1,773 |
| Retained earnings to average equity (ytd only) | -2.4009% | 5,800 |
| Net charge-offs to loans | 0.0578% | 6,125 |
| Credit loss provision to net charge-offs | 133.3333% | 3,741 |
| Earnings coverage of net charge-offs (x) | 33.5825% | 859 |
| Efficiency ratio | 75.0000% | 3,692 |
| Assets per employee ($millions) | 2.7340% | 6,773 |
| Cash dividends to net income (ytd only)* | 122.9513% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 5,047 |
| Loan loss allowance to noncurrent loans | 31.6888% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 2.8692% | 2,427 |
| Noncurrent loans to loans | 3.8206% | 1,945 |
| Net loans and leases to total assets | 55.3788% | 6,218 |
| Net loans and leases to deposits | 61.3875% | 6,729 |
| Net loans and leases to core deposits | 74.6760% | 6,690 |
| Total domestic deposits to total assets | 90.2117% | 694 |
| Equity capital to assets | 9.3880% | 4,897 |
| Core capital (leverage) ratio | 9.6802% | 3,675 |
| Tier 1 risk-based capital ratio | 17.4721% | 2,127 |
| Total risk-based capital ratio | 18.7312% | 2,081 |
| Memoranda: | ||
| Average total assets | $46,902,250 | 6,878 |
| Average earning assets | $43,335,000 | 6,847 |
| Average equity | $4,665,000 | 7,120 |
| Average total loans | $27,685,000 | 6,818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4303% | 944 |
| Cost of funding earning assets | 1.8332% | 4,592 |
| Net interest margin | 4.5971% | 957 |
| Noninterest income to average assets | 0.3468% | 5,731 |
| Noninterest expense to average assets | 3.4986% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0492% | 1,943 |
| Return on assets (ROA) | 1.0492% | 2,018 |
| Pretax return on assets | 1.1099% | 2,605 |
| Return on Equity (ROE) | 10.3419% | 1,903 |
| Retained earnings to average equity (ytd only) | -2.4786% | 5,857 |
| Net charge-offs to loans | 0.0072% | 6,489 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 160 |
| Efficiency ratio | 75.9172% | 3,709 |
| Assets per employee ($millions) | 2.5999% | 7,054 |
| Cash dividends to net income (ytd only)* | 123.9669% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 5,101 |
| Loan loss allowance to noncurrent loans | 26.4469% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 2.9275% | 2,180 |
| Noncurrent loans to loans | 4.4475% | 1,453 |
| Net loans and leases to total assets | 59.0666% | 5,831 |
| Net loans and leases to deposits | 65.7861% | 6,413 |
| Net loans and leases to core deposits | 78.8150% | 6,496 |
| Total domestic deposits to total assets | 89.7859% | 917 |
| Equity capital to assets | 9.7718% | 4,255 |
| Core capital (leverage) ratio | 9.9946% | 3,303 |
| Tier 1 risk-based capital ratio | 17.7359% | 2,080 |
| Total risk-based capital ratio | 18.9878% | 2,034 |
| Memoranda: | ||
| Average total assets | $46,132,330 | 6,980 |
| Average earning assets | $42,766,000 | 6,936 |
| Average equity | $4,680,000 | 7,181 |
| Average total loans | $27,717,670 | 6,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3613% | 1,156 |
| Cost of funding earning assets | 1.8499% | 4,877 |
| Net interest margin | 4.5115% | 1,108 |
| Noninterest income to average assets | 0.2533% | 6,436 |
| Noninterest expense to average assets | 3.5983% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7686% | 3,260 |
| Return on assets (ROA) | 0.7686% | 3,436 |
| Pretax return on assets | 0.8297% | 3,976 |
| Return on Equity (ROE) | 7.4364% | 3,408 |
| Retained earnings to average equity (ytd only) | -5.2393% | 6,584 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2623% | 2,646 |
| Assets per employee ($millions) | 2.5830% | 7,123 |
| Cash dividends to net income (ytd only)* | 170.4545% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 4,963 |
| Loan loss allowance to noncurrent loans | 30.2752% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 2.6154% | 2,192 |
| Noncurrent loans to loans | 3.8808% | 1,575 |
| Net loans and leases to total assets | 59.7002% | 5,709 |
| Net loans and leases to deposits | 66.7011% | 6,310 |
| Net loans and leases to core deposits | 79.9798% | 6,383 |
| Total domestic deposits to total assets | 89.5040% | 1,005 |
| Equity capital to assets | 10.0809% | 3,899 |
| Core capital (leverage) ratio | 10.3020% | 3,108 |
| Tier 1 risk-based capital ratio | 17.8836% | 2,088 |
| Total risk-based capital ratio | 19.1358% | 2,031 |
| Memoranda: | ||
| Average total assets | $45,799,500 | 7,036 |
| Average earning assets | $42,381,000 | 7,004 |
| Average equity | $4,733,500 | 7,212 |
| Average total loans | $27,591,000 | 6,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0237% | 1,071 |
| Cost of funding earning assets | 2.2106% | 5,554 |
| Net interest margin | 4.8131% | 763 |
| Noninterest income to average assets | 0.3557% | 5,886 |
| Noninterest expense to average assets | 3.5236% | 2,330 |
| Loan and lease loss provision to assets | 0.1436% | 5,519 |
| Net operating income to assets | 1.1046% | 2,129 |
| Return on assets (ROA) | 1.1046% | 2,042 |
| Pretax return on assets | 1.1664% | 2,782 |
| Return on Equity (ROE) | 10.3216% | 2,151 |
| Retained earnings to average equity (ytd only) | -2.0643% | 5,888 |
| Net charge-offs to loans | 0.3172% | 3,271 |
| Credit loss provision to net charge-offs | 77.3810% | 5,949 |
| Earnings coverage of net charge-offs (x) | 7.0595% | 3,200 |
| Efficiency ratio | 72.8976% | 3,769 |
| Assets per employee ($millions) | 2.5058% | 7,196 |
| Cash dividends to net income (ytd only)* | 120.0000% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,367 |
| Loan loss allowance to noncurrent loans | 31.4938% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 1,808 |
| Noncurrent loans to loans | 3.8789% | 1,274 |
| Net loans and leases to total assets | 59.3371% | 6,009 |
| Net loans and leases to deposits | 66.6816% | 6,596 |
| Net loans and leases to core deposits | 79.9665% | 6,619 |
| Total domestic deposits to total assets | 88.9857% | 1,047 |
| Equity capital to assets | 10.5975% | 3,394 |
| Core capital (leverage) ratio | 10.6837% | 2,837 |
| Tier 1 risk-based capital ratio | 18.6817% | 1,872 |
| Total risk-based capital ratio | 19.9367% | 1,823 |
| Memoranda: | ||
| Average total assets | $45,266,800 | 6,975 |
| Average earning assets | $42,114,600 | 6,943 |
| Average equity | $4,844,200 | 7,197 |
| Average total loans | $26,482,400 | 6,932 |