Home > The Gerber State Bank > Performance and Condition Ratios
The Gerber State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 4,356 |
| Cost of funding earning assets | 0.6276% | 4,034 |
| Net interest margin | 2.9580% | 3,382 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.1190% | 3,358 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9415% | 2,395 |
| Return on assets (ROA) | 0.9470% | 2,369 |
| Pretax return on assets | 0.9558% | 2,793 |
| Return on Equity (ROE) | 13.6800% | 1,563 |
| Retained earnings to average equity (ytd only) | 9.3037% | 1,184 |
| Net charge-offs to loans | -0.0210% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.5982% | 2,156 |
| Assets per employee ($millions) | 5.1489% | 3,520 |
| Cash dividends to net income (ytd only)* | 31.9672% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,067 |
| Loan loss allowance to noncurrent loans | 158.2090% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 1,284 |
| Noncurrent loans to loans | 0.9447% | 788 |
| Net loans and leases to total assets | 45.2300% | 3,851 |
| Net loans and leases to deposits | 50.6734% | 3,929 |
| Net loans and leases to core deposits | 52.7092% | 4,013 |
| Total domestic deposits to total assets | 89.2500% | 988 |
| Equity capital to assets | 7.8507% | 3,515 |
| Core capital (leverage) ratio | 12.0288% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1931% | 468 |
| Memoranda: | ||
| Average total assets | $90,182,200 | 3,911 |
| Average earning assets | $87,154,200 | 3,858 |
| Average equity | $6,244,800 | 4,137 |
| Average total loans | $38,170,400 | 4,021 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5141% | 4,378 |
| Cost of funding earning assets | 0.5432% | 4,073 |
| Net interest margin | 2.9709% | 3,398 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1438% | 3,229 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9781% | 2,427 |
| Return on assets (ROA) | 0.9766% | 2,426 |
| Pretax return on assets | 0.9885% | 2,889 |
| Return on Equity (ROE) | 14.6100% | 1,523 |
| Retained earnings to average equity (ytd only) | 8.5294% | 1,808 |
| Net charge-offs to loans | -0.0216% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.5388% | 1,960 |
| Assets per employee ($millions) | 5.4607% | 3,216 |
| Cash dividends to net income (ytd only)* | 41.6159% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,296 |
| Loan loss allowance to noncurrent loans | 136.0097% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 1,191 |
| Noncurrent loans to loans | 1.0566% | 757 |
| Net loans and leases to total assets | 43.8800% | 3,919 |
| Net loans and leases to deposits | 46.8572% | 4,031 |
| Net loans and leases to core deposits | 48.6036% | 4,074 |
| Total domestic deposits to total assets | 93.6500% | 219 |
| Equity capital to assets | 6.1050% | 3,953 |
| Core capital (leverage) ratio | 12.6318% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0946% | 431 |
| Memoranda: | ||
| Average total assets | $89,557,750 | 3,933 |
| Average earning assets | $86,885,500 | 3,873 |
| Average equity | $5,987,000 | 4,171 |
| Average total loans | $37,074,750 | 4,051 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 4,390 |
| Cost of funding earning assets | 0.4751% | 4,028 |
| Net interest margin | 2.9718% | 3,507 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0734% | 3,415 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 1.1210% | 2,056 |
| Return on assets (ROA) | 1.1253% | 2,043 |
| Pretax return on assets | 1.1430% | 2,530 |
| Return on Equity (ROE) | 16.3700% | 1,208 |
| Retained earnings to average equity (ytd only) | 8.7354% | 1,754 |
| Net charge-offs to loans | -0.0274% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.4773% | 2,177 |
| Assets per employee ($millions) | 5.5240% | 3,128 |
| Cash dividends to net income (ytd only)* | 46.6535% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,461 |
| Loan loss allowance to noncurrent loans | 115.3333% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 1,039 |
| Noncurrent loans to loans | 1.2307% | 574 |
| Net loans and leases to total assets | 40.7800% | 4,014 |
| Net loans and leases to deposits | 45.3941% | 4,060 |
| Net loans and leases to core deposits | 47.1196% | 4,099 |
| Total domestic deposits to total assets | 89.8500% | 967 |
| Equity capital to assets | 7.0171% | 3,787 |
| Core capital (leverage) ratio | 12.5346% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7431% | 396 |
| Memoranda: | ||
| Average total assets | $90,286,667 | 3,939 |
| Average earning assets | $87,557,000 | 3,884 |
| Average equity | $6,204,667 | 4,170 |
| Average total loans | $36,467,000 | 4,069 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4297% | 4,346 |
| Cost of funding earning assets | 0.3466% | 4,086 |
| Net interest margin | 3.0831% | 3,387 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.0605% | 3,474 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.9168% | 2,799 |
| Return on assets (ROA) | 0.9294% | 2,714 |
| Pretax return on assets | 0.9645% | 3,091 |
| Return on Equity (ROE) | 13.6600% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.8340% | 3,057 |
| Net charge-offs to loans | -0.0220% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9456% | 2,472 |
| Assets per employee ($millions) | 6.6704% | 2,222 |
| Cash dividends to net income (ytd only)* | 64.6226% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 1,009 |
| Loan loss allowance to noncurrent loans | 121.1864% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 998 |
| Noncurrent loans to loans | 1.3196% | 507 |
| Net loans and leases to total assets | 37.6900% | 4,125 |
| Net loans and leases to deposits | 40.5169% | 4,211 |
| Net loans and leases to core deposits | 42.0489% | 4,222 |
| Total domestic deposits to total assets | 93.0200% | 304 |
| Equity capital to assets | 6.7923% | 3,916 |
| Core capital (leverage) ratio | 11.8309% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3425% | 416 |
| Memoranda: | ||
| Average total assets | $91,238,000 | 3,982 |
| Average earning assets | $88,872,000 | 3,931 |
| Average equity | $6,206,000 | 4,221 |
| Average total loans | $36,417,500 | 4,127 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7797% | 4,344 |
| Cost of funding earning assets | 0.2150% | 3,635 |
| Net interest margin | 2.5646% | 4,216 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9786% | 3,640 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8083% | 3,298 |
| Return on assets (ROA) | 0.8061% | 3,231 |
| Pretax return on assets | 0.8061% | 3,609 |
| Return on Equity (ROE) | 10.3300% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.9647% | 1,850 |
| Net charge-offs to loans | 0.0776% | 868 |
| Credit loss provision to net charge-offs | 173.0769% | 1,204 |
| Earnings coverage of net charge-offs (x) | 30.2308% | 1,677 |
| Efficiency ratio | 69.7692% | 1,719 |
| Assets per employee ($millions) | 6.8532% | 2,079 |
| Cash dividends to net income (ytd only)* | 22.8687% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 939 |
| Loan loss allowance to noncurrent loans | 141.8440% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 1,042 |
| Noncurrent loans to loans | 1.1412% | 625 |
| Net loans and leases to total assets | 40.9300% | 4,030 |
| Net loans and leases to deposits | 43.9678% | 4,116 |
| Net loans and leases to core deposits | 45.7030% | 4,127 |
| Total domestic deposits to total assets | 93.0900% | 384 |
| Equity capital to assets | 6.8121% | 3,761 |
| Core capital (leverage) ratio | 12.1818% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2794% | 460 |
| Memoranda: | ||
| Average total assets | $91,679,200 | 3,994 |
| Average earning assets | $88,824,000 | 3,940 |
| Average equity | $7,156,600 | 4,189 |
| Average total loans | $33,495,000 | 4,180 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6268% | 4,367 |
| Cost of funding earning assets | 0.2015% | 3,254 |
| Net interest margin | 2.4253% | 4,289 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9727% | 3,550 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6556% | 3,681 |
| Return on assets (ROA) | 0.6484% | 3,655 |
| Pretax return on assets | 0.6484% | 3,899 |
| Return on Equity (ROE) | 8.0600% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.0256% | 3,092 |
| Net charge-offs to loans | 0.1145% | 547 |
| Credit loss provision to net charge-offs | 107.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,793 |
| Efficiency ratio | 73.8378% | 1,294 |
| Assets per employee ($millions) | 6.1475% | 2,630 |
| Cash dividends to net income (ytd only)* | 37.6392% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 915 |
| Loan loss allowance to noncurrent loans | 118.4959% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 981 |
| Noncurrent loans to loans | 1.4120% | 506 |
| Net loans and leases to total assets | 37.1600% | 4,179 |
| Net loans and leases to deposits | 39.2611% | 4,262 |
| Net loans and leases to core deposits | 40.7309% | 4,259 |
| Total domestic deposits to total assets | 94.6400% | 269 |
| Equity capital to assets | 5.2618% | 4,202 |
| Core capital (leverage) ratio | 11.3898% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9825% | 346 |
| Memoranda: | ||
| Average total assets | $92,326,250 | 4,019 |
| Average earning assets | $89,333,750 | 3,965 |
| Average equity | $7,428,500 | 4,199 |
| Average total loans | $32,602,250 | 4,220 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4015% | 4,461 |
| Cost of funding earning assets | 0.1988% | 2,926 |
| Net interest margin | 2.2027% | 4,427 |
| Noninterest income to average assets | 0.3530% | 3,041 |
| Noninterest expense to average assets | 1.8644% | 3,798 |
| Loan and lease loss provision to assets | 0.0325% | 2,005 |
| Net operating income to assets | 0.5911% | 3,651 |
| Return on assets (ROA) | 0.5781% | 3,632 |
| Pretax return on assets | 0.5781% | 3,855 |
| Return on Equity (ROE) | 6.4436% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.5717% | 3,247 |
| Net charge-offs to loans | 0.1884% | 345 |
| Credit loss provision to net charge-offs | 50.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 1,782 |
| Efficiency ratio | 74.9347% | 1,396 |
| Assets per employee ($millions) | 6.3139% | 2,473 |
| Cash dividends to net income (ytd only)* | 44.5693% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 841 |
| Loan loss allowance to noncurrent loans | 114.8073% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 983 |
| Noncurrent loans to loans | 1.5493% | 478 |
| Net loans and leases to total assets | 35.3587% | 4,276 |
| Net loans and leases to deposits | 37.7480% | 4,344 |
| Net loans and leases to core deposits | 39.2335% | 4,342 |
| Total domestic deposits to total assets | 93.6704% | 348 |
| Equity capital to assets | 6.2504% | 4,117 |
| Core capital (leverage) ratio | 11.5925% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2762% | 353 |
| Memoranda: | ||
| Average total assets | $92,364,333 | 4,060 |
| Average earning assets | $89,525,667 | 4,014 |
| Average equity | $8,287,333 | 4,169 |
| Average total loans | $31,854,667 | 4,288 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3318% | 4,434 |
| Cost of funding earning assets | 0.2048% | 2,731 |
| Net interest margin | 2.1269% | 4,419 |
| Noninterest income to average assets | 0.4070% | 2,639 |
| Noninterest expense to average assets | 1.8568% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5583% | 3,532 |
| Return on assets (ROA) | 0.5469% | 3,544 |
| Pretax return on assets | 0.6062% | 3,615 |
| Return on Equity (ROE) | 5.3394% | 3,529 |
| Retained earnings to average equity (ytd only) | 1.2003% | 3,777 |
| Net charge-offs to loans | 0.4142% | 165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.4242% | 1,625 |
| Efficiency ratio | 75.0000% | 1,634 |
| Assets per employee ($millions) | 6.3361% | 2,518 |
| Cash dividends to net income (ytd only)* | 77.5194% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 999 |
| Loan loss allowance to noncurrent loans | 99.0741% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 1,034 |
| Noncurrent loans to loans | 1.7471% | 448 |
| Net loans and leases to total assets | 31.9585% | 4,380 |
| Net loans and leases to deposits | 35.0990% | 4,415 |
| Net loans and leases to core deposits | 36.4184% | 4,417 |
| Total domestic deposits to total assets | 91.0524% | 1,008 |
| Equity capital to assets | 8.7940% | 2,884 |
| Core capital (leverage) ratio | 10.8528% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5340% | 354 |
| Memoranda: | ||
| Average total assets | $94,356,500 | 4,055 |
| Average earning assets | $91,776,500 | 4,009 |
| Average equity | $9,664,000 | 4,095 |
| Average total loans | $31,871,500 | 4,297 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5370% | 4,454 |
| Cost of funding earning assets | 0.2598% | 2,814 |
| Net interest margin | 2.2772% | 4,434 |
| Noninterest income to average assets | 0.4105% | 2,993 |
| Noninterest expense to average assets | 1.9302% | 3,858 |
| Loan and lease loss provision to assets | 0.0247% | 2,569 |
| Net operating income to assets | 0.6356% | 3,788 |
| Return on assets (ROA) | 0.6459% | 3,817 |
| Pretax return on assets | 0.6706% | 3,995 |
| Return on Equity (ROE) | 5.4218% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.1665% | 3,560 |
| Net charge-offs to loans | -0.0404% | 4,228 |
| Credit loss provision to net charge-offs | -176.9231% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8183% | 1,326 |
| Assets per employee ($millions) | 6.6908% | 2,164 |
| Cash dividends to net income (ytd only)* | 41.5973% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 983 |
| Loan loss allowance to noncurrent loans | 104.9908% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 1,142 |
| Noncurrent loans to loans | 1.6477% | 522 |
| Net loans and leases to total assets | 34.4461% | 4,358 |
| Net loans and leases to deposits | 39.0805% | 4,365 |
| Net loans and leases to core deposits | 40.6153% | 4,379 |
| Total domestic deposits to total assets | 88.1415% | 1,963 |
| Equity capital to assets | 11.7112% | 1,386 |
| Core capital (leverage) ratio | 11.0751% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2381% | 2,147 |
| Memoranda: | ||
| Average total assets | $93,047,200 | 4,070 |
| Average earning assets | $90,068,600 | 4,023 |
| Average equity | $11,084,800 | 4,026 |
| Average total loans | $32,184,600 | 4,330 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4584% | 4,600 |
| Cost of funding earning assets | 0.2695% | 2,904 |
| Net interest margin | 2.1888% | 4,578 |
| Noninterest income to average assets | 0.3890% | 3,155 |
| Noninterest expense to average assets | 1.9736% | 3,753 |
| Loan and lease loss provision to assets | 0.0334% | 2,331 |
| Net operating income to assets | 0.5038% | 4,196 |
| Return on assets (ROA) | 0.5138% | 4,221 |
| Pretax return on assets | 0.5138% | 4,354 |
| Return on Equity (ROE) | 4.2950% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.5716% | 4,300 |
| Net charge-offs to loans | 0.0042% | 2,194 |
| Credit loss provision to net charge-offs | 2,300.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 376 |
| Efficiency ratio | 78.6164% | 833 |
| Assets per employee ($millions) | 5.9054% | 2,785 |
| Cash dividends to net income (ytd only)* | 63.4078% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 1,030 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 1,214 |
| Noncurrent loans to loans | 1.6067% | 637 |
| Net loans and leases to total assets | 32.6214% | 4,518 |
| Net loans and leases to deposits | 37.0611% | 4,542 |
| Net loans and leases to core deposits | 38.5056% | 4,560 |
| Total domestic deposits to total assets | 88.0206% | 1,830 |
| Equity capital to assets | 11.8397% | 1,473 |
| Core capital (leverage) ratio | 10.9763% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5744% | 396 |
| Memoranda: | ||
| Average total assets | $92,891,250 | 4,120 |
| Average earning assets | $90,031,000 | 4,066 |
| Average equity | $11,113,500 | 4,076 |
| Average total loans | $32,022,250 | 4,400 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4832% | 4,628 |
| Cost of funding earning assets | 0.2714% | 3,074 |
| Net interest margin | 2.2117% | 4,592 |
| Noninterest income to average assets | 0.3595% | 3,306 |
| Noninterest expense to average assets | 1.9446% | 3,851 |
| Loan and lease loss provision to assets | 0.0498% | 2,035 |
| Net operating income to assets | 0.5002% | 4,216 |
| Return on assets (ROA) | 0.5110% | 4,237 |
| Pretax return on assets | 0.5110% | 4,374 |
| Return on Equity (ROE) | 4.2565% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.0280% | 4,332 |
| Net charge-offs to loans | 0.1985% | 432 |
| Credit loss provision to net charge-offs | 71.8750% | 1,517 |
| Earnings coverage of net charge-offs (x) | 7.9375% | 1,905 |
| Efficiency ratio | 77.9514% | 912 |
| Assets per employee ($millions) | 5.0891% | 3,574 |
| Cash dividends to net income (ytd only)* | 75.8475% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 1,114 |
| Loan loss allowance to noncurrent loans | 72.6375% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 894 |
| Noncurrent loans to loans | 2.3076% | 382 |
| Net loans and leases to total assets | 32.9782% | 4,565 |
| Net loans and leases to deposits | 37.5869% | 4,593 |
| Net loans and leases to core deposits | 39.0974% | 4,597 |
| Total domestic deposits to total assets | 87.7384% | 1,963 |
| Equity capital to assets | 12.1077% | 1,313 |
| Core capital (leverage) ratio | 10.8139% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1974% | 372 |
| Memoranda: | ||
| Average total assets | $92,359,333 | 4,146 |
| Average earning assets | $89,160,667 | 4,098 |
| Average equity | $11,089,000 | 4,089 |
| Average total loans | $32,240,000 | 4,428 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5097% | 4,635 |
| Cost of funding earning assets | 0.2689% | 3,289 |
| Net interest margin | 2.2408% | 4,581 |
| Noninterest income to average assets | 0.3019% | 3,603 |
| Noninterest expense to average assets | 2.0833% | 3,477 |
| Loan and lease loss provision to assets | 0.0992% | 1,361 |
| Net operating income to assets | 0.2760% | 4,547 |
| Return on assets (ROA) | 0.2976% | 4,556 |
| Pretax return on assets | 0.2976% | 4,603 |
| Return on Equity (ROE) | 2.4892% | 4,555 |
| Retained earnings to average equity (ytd only) | -1.3709% | 4,498 |
| Net charge-offs to loans | -0.0121% | 3,752 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7368% | 561 |
| Assets per employee ($millions) | 5.0784% | 3,554 |
| Cash dividends to net income (ytd only)* | 155.0725% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 914 |
| Loan loss allowance to noncurrent loans | 63.9080% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 954 |
| Noncurrent loans to loans | 2.7742% | 304 |
| Net loans and leases to total assets | 31.9249% | 4,633 |
| Net loans and leases to deposits | 37.8358% | 4,627 |
| Net loans and leases to core deposits | 39.3360% | 4,640 |
| Total domestic deposits to total assets | 84.3775% | 3,317 |
| Equity capital to assets | 11.2572% | 1,680 |
| Core capital (leverage) ratio | 10.6978% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2465% | 441 |
| Memoranda: | ||
| Average total assets | $92,737,500 | 4,153 |
| Average earning assets | $89,255,000 | 4,106 |
| Average equity | $11,088,000 | 4,099 |
| Average total loans | $32,998,000 | 4,433 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2080% | 4,442 |
| Cost of funding earning assets | 0.3824% | 3,693 |
| Net interest margin | 2.8256% | 4,224 |
| Noninterest income to average assets | 0.4178% | 3,019 |
| Noninterest expense to average assets | 2.2543% | 3,529 |
| Loan and lease loss provision to assets | 0.1109% | 2,960 |
| Net operating income to assets | 0.7938% | 3,118 |
| Return on assets (ROA) | 0.7913% | 3,243 |
| Pretax return on assets | 0.7913% | 3,646 |
| Return on Equity (ROE) | 6.1002% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.8293% | 2,904 |
| Net charge-offs to loans | 0.0173% | 2,744 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 122.3333% | 698 |
| Efficiency ratio | 71.3617% | 1,765 |
| Assets per employee ($millions) | 5.2345% | 3,112 |
| Cash dividends to net income (ytd only)* | 37.2274% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 1,464 |
| Loan loss allowance to noncurrent loans | 62.2951% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 1,006 |
| Noncurrent loans to loans | 2.4656% | 413 |
| Net loans and leases to total assets | 38.3251% | 4,506 |
| Net loans and leases to deposits | 46.4101% | 4,448 |
| Net loans and leases to core deposits | 48.2745% | 4,478 |
| Total domestic deposits to total assets | 82.5793% | 3,521 |
| Equity capital to assets | 12.7144% | 1,223 |
| Core capital (leverage) ratio | 11.6639% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5366% | 473 |
| Memoranda: | ||
| Average total assets | $81,133,600 | 4,229 |
| Average earning assets | $78,709,400 | 4,176 |
| Average equity | $10,524,200 | 4,145 |
| Average total loans | $34,681,800 | 4,414 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 4,401 |
| Cost of funding earning assets | 0.4172% | 3,722 |
| Net interest margin | 2.9448% | 4,098 |
| Noninterest income to average assets | 0.3284% | 3,518 |
| Noninterest expense to average assets | 2.3240% | 3,360 |
| Loan and lease loss provision to assets | 0.1149% | 2,883 |
| Net operating income to assets | 0.7545% | 3,272 |
| Return on assets (ROA) | 0.7477% | 3,396 |
| Pretax return on assets | 0.7477% | 3,784 |
| Return on Equity (ROE) | 5.7325% | 3,647 |
| Retained earnings to average equity (ytd only) | 2.6468% | 3,668 |
| Net charge-offs to loans | -0.0500% | 4,673 |
| Credit loss provision to net charge-offs | -523.0769% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7848% | 1,547 |
| Assets per employee ($millions) | 4.9478% | 3,317 |
| Cash dividends to net income (ytd only)* | 53.8288% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,216 |
| Loan loss allowance to noncurrent loans | 58.3885% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 988 |
| Noncurrent loans to loans | 2.6643% | 383 |
| Net loans and leases to total assets | 39.7993% | 4,573 |
| Net loans and leases to deposits | 48.6259% | 4,534 |
| Net loans and leases to core deposits | 50.7166% | 4,561 |
| Total domestic deposits to total assets | 81.8480% | 3,462 |
| Equity capital to assets | 13.1218% | 1,129 |
| Core capital (leverage) ratio | 12.0071% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0276% | 407 |
| Memoranda: | ||
| Average total assets | $79,170,500 | 4,262 |
| Average earning assets | $77,014,750 | 4,208 |
| Average equity | $10,326,750 | 4,182 |
| Average total loans | $34,693,250 | 4,444 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 4,482 |
| Cost of funding earning assets | 0.4342% | 3,877 |
| Net interest margin | 3.0157% | 4,087 |
| Noninterest income to average assets | 0.3199% | 3,548 |
| Noninterest expense to average assets | 2.4302% | 3,173 |
| Loan and lease loss provision to assets | 0.1161% | 2,861 |
| Net operating income to assets | 0.7120% | 3,352 |
| Return on assets (ROA) | 0.7017% | 3,495 |
| Pretax return on assets | 0.7017% | 3,866 |
| Return on Equity (ROE) | 5.3915% | 3,719 |
| Retained earnings to average equity (ytd only) | 1.6452% | 3,891 |
| Net charge-offs to loans | -0.0573% | 4,718 |
| Credit loss provision to net charge-offs | -450.0000% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5843% | 1,408 |
| Assets per employee ($millions) | 4.8015% | 3,411 |
| Cash dividends to net income (ytd only)* | 69.4853% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,331 |
| Loan loss allowance to noncurrent loans | 46.1468% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.3354% | 759 |
| Noncurrent loans to loans | 3.2084% | 278 |
| Net loans and leases to total assets | 41.0041% | 4,566 |
| Net loans and leases to deposits | 50.2394% | 4,518 |
| Net loans and leases to core deposits | 52.4583% | 4,544 |
| Total domestic deposits to total assets | 81.6174% | 3,467 |
| Equity capital to assets | 13.2262% | 1,069 |
| Core capital (leverage) ratio | 12.5889% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1566% | 394 |
| Memoranda: | ||
| Average total assets | $77,523,333 | 4,289 |
| Average earning assets | $75,538,000 | 4,228 |
| Average equity | $10,090,000 | 4,209 |
| Average total loans | $34,922,667 | 4,458 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 4,538 |
| Cost of funding earning assets | 0.4618% | 4,106 |
| Net interest margin | 3.1292% | 4,034 |
| Noninterest income to average assets | 0.3127% | 3,637 |
| Noninterest expense to average assets | 2.5175% | 3,225 |
| Loan and lease loss provision to assets | 0.1219% | 2,173 |
| Net operating income to assets | 0.7261% | 3,181 |
| Return on assets (ROA) | 0.6943% | 3,360 |
| Pretax return on assets | 0.6943% | 3,700 |
| Return on Equity (ROE) | 5.3815% | 3,512 |
| Retained earnings to average equity (ytd only) | 0.6573% | 3,827 |
| Net charge-offs to loans | -0.0565% | 4,672 |
| Credit loss provision to net charge-offs | -460.0000% | 3,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8031% | 1,711 |
| Assets per employee ($millions) | 4.1722% | 3,694 |
| Cash dividends to net income (ytd only)* | 87.7863% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,806 |
| Loan loss allowance to noncurrent loans | 42.9991% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 737 |
| Noncurrent loans to loans | 3.1870% | 317 |
| Net loans and leases to total assets | 45.6185% | 4,441 |
| Net loans and leases to deposits | 53.8283% | 4,455 |
| Net loans and leases to core deposits | 56.3220% | 4,483 |
| Total domestic deposits to total assets | 84.7481% | 2,513 |
| Equity capital to assets | 12.7498% | 1,589 |
| Core capital (leverage) ratio | 12.8060% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8281% | 456 |
| Memoranda: | ||
| Average total assets | $75,472,000 | 4,321 |
| Average earning assets | $73,628,500 | 4,267 |
| Average equity | $9,737,000 | 4,268 |
| Average total loans | $35,397,500 | 4,467 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 4,802 |
| Cost of funding earning assets | 0.4747% | 4,190 |
| Net interest margin | 3.1005% | 4,363 |
| Noninterest income to average assets | 0.3133% | 3,818 |
| Noninterest expense to average assets | 2.4308% | 3,613 |
| Loan and lease loss provision to assets | 0.1365% | 1,564 |
| Net operating income to assets | 0.7773% | 3,620 |
| Return on assets (ROA) | 0.7838% | 3,681 |
| Pretax return on assets | 0.7838% | 4,006 |
| Return on Equity (ROE) | 6.4847% | 3,745 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,060 |
| Net charge-offs to loans | 0.0658% | 2,149 |
| Credit loss provision to net charge-offs | 456.5217% | 636 |
| Earnings coverage of net charge-offs (x) | 30.5652% | 1,563 |
| Efficiency ratio | 72.6778% | 1,774 |
| Assets per employee ($millions) | 4.2136% | 3,620 |
| Cash dividends to net income (ytd only)* | 40.9619% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,214 |
| Loan loss allowance to noncurrent loans | 232.1244% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 3,413 |
| Noncurrent loans to loans | 0.5352% | 2,571 |
| Net loans and leases to total assets | 46.9537% | 4,482 |
| Net loans and leases to deposits | 54.7212% | 4,508 |
| Net loans and leases to core deposits | 57.7442% | 4,534 |
| Total domestic deposits to total assets | 85.8053% | 2,139 |
| Equity capital to assets | 13.0516% | 1,485 |
| Core capital (leverage) ratio | 12.5330% | 1,472 |
| Tier 1 risk-based capital ratio | 22.5139% | 963 |
| Total risk-based capital ratio | 23.5546% | 965 |
| Memoranda: | ||
| Average total assets | $76,929,600 | 4,336 |
| Average earning assets | $75,213,200 | 4,264 |
| Average equity | $9,298,800 | 4,332 |
| Average total loans | $34,936,800 | 4,538 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 4,919 |
| Cost of funding earning assets | 0.4832% | 4,207 |
| Net interest margin | 3.0745% | 4,518 |
| Noninterest income to average assets | 0.3126% | 3,879 |
| Noninterest expense to average assets | 2.4386% | 3,591 |
| Loan and lease loss provision to assets | 0.1554% | 1,207 |
| Net operating income to assets | 0.7185% | 3,956 |
| Return on assets (ROA) | 0.7185% | 4,024 |
| Pretax return on assets | 0.7185% | 4,304 |
| Return on Equity (ROE) | 6.0626% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.4630% | 4,111 |
| Net charge-offs to loans | 0.0500% | 2,116 |
| Credit loss provision to net charge-offs | 692.3077% | 485 |
| Earnings coverage of net charge-offs (x) | 38.9296% | 1,399 |
| Efficiency ratio | 73.6184% | 1,628 |
| Assets per employee ($millions) | 4.0662% | 3,809 |
| Cash dividends to net income (ytd only)* | 59.3762% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,002 |
| Loan loss allowance to noncurrent loans | 509.1954% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,151 |
| Noncurrent loans to loans | 0.2536% | 3,631 |
| Net loans and leases to total assets | 43.8272% | 4,698 |
| Net loans and leases to deposits | 50.9341% | 4,747 |
| Net loans and leases to core deposits | 53.6855% | 4,755 |
| Total domestic deposits to total assets | 86.0468% | 1,977 |
| Equity capital to assets | 12.5942% | 1,845 |
| Core capital (leverage) ratio | 12.2916% | 1,686 |
| Tier 1 risk-based capital ratio | 23.9528% | 846 |
| Total risk-based capital ratio | 25.0693% | 845 |
| Memoranda: | ||
| Average total assets | $77,200,750 | 4,383 |
| Average earning assets | $75,328,250 | 4,318 |
| Average equity | $9,148,750 | 4,400 |
| Average total loans | $34,656,000 | 4,605 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,971 |
| Cost of funding earning assets | 0.4890% | 4,165 |
| Net interest margin | 3.0642% | 4,594 |
| Noninterest income to average assets | 0.3084% | 3,869 |
| Noninterest expense to average assets | 2.4488% | 3,614 |
| Loan and lease loss provision to assets | 0.1555% | 1,170 |
| Net operating income to assets | 0.6919% | 4,029 |
| Return on assets (ROA) | 0.6919% | 4,090 |
| Pretax return on assets | 0.6919% | 4,348 |
| Return on Equity (ROE) | 5.9631% | 4,054 |
| Retained earnings to average equity (ytd only) | 1.4964% | 4,293 |
| Net charge-offs to loans | 0.1093% | 1,316 |
| Credit loss provision to net charge-offs | 315.7895% | 866 |
| Earnings coverage of net charge-offs (x) | 17.2105% | 1,901 |
| Efficiency ratio | 74.2925% | 1,610 |
| Assets per employee ($millions) | 4.0240% | 3,834 |
| Cash dividends to net income (ytd only)* | 74.9064% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,541 |
| Loan loss allowance to noncurrent loans | 2,543.7500% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,676 |
| Noncurrent loans to loans | 0.0471% | 4,477 |
| Net loans and leases to total assets | 43.9455% | 4,732 |
| Net loans and leases to deposits | 51.7441% | 4,749 |
| Net loans and leases to core deposits | 54.5864% | 4,761 |
| Total domestic deposits to total assets | 84.9286% | 2,507 |
| Equity capital to assets | 12.4451% | 1,891 |
| Core capital (leverage) ratio | 12.2737% | 1,661 |
| Tier 1 risk-based capital ratio | 23.8817% | 856 |
| Total risk-based capital ratio | 24.9155% | 863 |
| Memoranda: | ||
| Average total assets | $77,181,670 | 4,420 |
| Average earning assets | $75,257,330 | 4,350 |
| Average equity | $8,955,000 | 4,446 |
| Average total loans | $34,773,670 | 4,629 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,996 |
| Cost of funding earning assets | 0.4818% | 4,146 |
| Net interest margin | 3.0760% | 4,628 |
| Noninterest income to average assets | 0.3043% | 3,845 |
| Noninterest expense to average assets | 2.3109% | 3,993 |
| Loan and lease loss provision to assets | 0.1547% | 1,080 |
| Net operating income to assets | 0.8356% | 3,497 |
| Return on assets (ROA) | 0.8356% | 3,539 |
| Pretax return on assets | 0.8356% | 3,957 |
| Return on Equity (ROE) | 7.4697% | 3,468 |
| Retained earnings to average equity (ytd only) | 2.7666% | 3,830 |
| Net charge-offs to loans | 0.0683% | 1,372 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,288 |
| Efficiency ratio | 70.0000% | 2,341 |
| Assets per employee ($millions) | 4.2502% | 3,545 |
| Cash dividends to net income (ytd only)* | 62.9630% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,794 |
| Loan loss allowance to noncurrent loans | 57.1010% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 1,580 |
| Noncurrent loans to loans | 2.0304% | 725 |
| Net loans and leases to total assets | 43.4597% | 4,764 |
| Net loans and leases to deposits | 49.2556% | 4,839 |
| Net loans and leases to core deposits | 51.8528% | 4,841 |
| Total domestic deposits to total assets | 88.2331% | 1,223 |
| Equity capital to assets | 11.6205% | 2,297 |
| Core capital (leverage) ratio | 11.9707% | 1,792 |
| Tier 1 risk-based capital ratio | 23.6745% | 868 |
| Total risk-based capital ratio | 24.6573% | 870 |
| Memoranda: | ||
| Average total assets | $77,544,500 | 4,460 |
| Average earning assets | $75,551,500 | 4,380 |
| Average equity | $8,675,000 | 4,512 |
| Average total loans | $35,157,500 | 4,662 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4041% | 5,004 |
| Cost of funding earning assets | 0.4507% | 3,675 |
| Net interest margin | 2.9535% | 4,845 |
| Noninterest income to average assets | 0.3208% | 3,957 |
| Noninterest expense to average assets | 2.2060% | 4,324 |
| Loan and lease loss provision to assets | 0.1481% | 1,438 |
| Net operating income to assets | 0.8476% | 3,617 |
| Return on assets (ROA) | 0.8476% | 3,613 |
| Pretax return on assets | 0.8451% | 4,051 |
| Return on Equity (ROE) | 8.4359% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.8994% | 2,825 |
| Net charge-offs to loans | 0.1892% | 1,011 |
| Credit loss provision to net charge-offs | 184.6154% | 1,533 |
| Earnings coverage of net charge-offs (x) | 12.3846% | 2,534 |
| Efficiency ratio | 68.9549% | 2,398 |
| Assets per employee ($millions) | 4.3659% | 3,355 |
| Cash dividends to net income (ytd only)* | 41.9214% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,712 |
| Loan loss allowance to noncurrent loans | 61.9289% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 1,851 |
| Noncurrent loans to loans | 1.6114% | 909 |
| Net loans and leases to total assets | 46.2054% | 4,728 |
| Net loans and leases to deposits | 54.1616% | 4,743 |
| Net loans and leases to core deposits | 57.0246% | 4,741 |
| Total domestic deposits to total assets | 85.3104% | 2,511 |
| Equity capital to assets | 10.7653% | 2,916 |
| Core capital (leverage) ratio | 11.6534% | 1,988 |
| Tier 1 risk-based capital ratio | 21.3599% | 1,117 |
| Total risk-based capital ratio | 22.1973% | 1,146 |
| Memoranda: | ||
| Average total assets | $81,051,200 | 4,414 |
| Average earning assets | $78,992,200 | 4,329 |
| Average equity | $8,143,800 | 4,587 |
| Average total loans | $34,350,800 | 4,708 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3505% | 5,085 |
| Cost of funding earning assets | 0.4372% | 3,615 |
| Net interest margin | 2.9133% | 4,958 |
| Noninterest income to average assets | 0.3232% | 3,984 |
| Noninterest expense to average assets | 2.2007% | 4,325 |
| Loan and lease loss provision to assets | 0.1469% | 1,350 |
| Net operating income to assets | 0.8179% | 3,850 |
| Return on assets (ROA) | 0.8179% | 3,861 |
| Pretax return on assets | 0.8147% | 4,254 |
| Return on Equity (ROE) | 8.2827% | 3,424 |
| Retained earnings to average equity (ytd only) | 3.5214% | 4,013 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5922% | 2,255 |
| Assets per employee ($millions) | 4.2162% | 3,553 |
| Cash dividends to net income (ytd only)* | 57.4853% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,094 |
| Loan loss allowance to noncurrent loans | 51.6753% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 1,503 |
| Noncurrent loans to loans | 2.1617% | 662 |
| Net loans and leases to total assets | 44.3107% | 4,876 |
| Net loans and leases to deposits | 51.7623% | 4,892 |
| Net loans and leases to core deposits | 54.4342% | 4,896 |
| Total domestic deposits to total assets | 85.6043% | 2,354 |
| Equity capital to assets | 9.8918% | 3,744 |
| Core capital (leverage) ratio | 11.2097% | 2,405 |
| Tier 1 risk-based capital ratio | 21.7740% | 1,079 |
| Total risk-based capital ratio | 22.7284% | 1,101 |
| Memoranda: | ||
| Average total assets | $81,667,500 | 4,448 |
| Average earning assets | $79,587,500 | 4,372 |
| Average equity | $8,064,750 | 4,643 |
| Average total loans | $33,769,250 | 4,774 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 5,136 |
| Cost of funding earning assets | 0.4199% | 3,574 |
| Net interest margin | 2.8841% | 5,034 |
| Noninterest income to average assets | 0.3383% | 3,925 |
| Noninterest expense to average assets | 2.1974% | 4,374 |
| Loan and lease loss provision to assets | 0.1460% | 1,308 |
| Net operating income to assets | 0.8079% | 3,832 |
| Return on assets (ROA) | 0.8079% | 3,833 |
| Pretax return on assets | 0.8030% | 4,234 |
| Return on Equity (ROE) | 8.1857% | 3,423 |
| Retained earnings to average equity (ytd only) | 2.6628% | 4,187 |
| Net charge-offs to loans | 0.0242% | 2,379 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 706 |
| Efficiency ratio | 69.8376% | 2,343 |
| Assets per employee ($millions) | 4.2152% | 3,555 |
| Cash dividends to net income (ytd only)* | 67.4699% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,294 |
| Loan loss allowance to noncurrent loans | 61.5772% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 2,009 |
| Noncurrent loans to loans | 1.7781% | 880 |
| Net loans and leases to total assets | 41.3927% | 5,009 |
| Net loans and leases to deposits | 47.2351% | 5,054 |
| Net loans and leases to core deposits | 50.7416% | 5,027 |
| Total domestic deposits to total assets | 87.6313% | 1,574 |
| Equity capital to assets | 9.9152% | 3,707 |
| Core capital (leverage) ratio | 10.9979% | 2,528 |
| Tier 1 risk-based capital ratio | 23.9742% | 839 |
| Total risk-based capital ratio | 24.9470% | 836 |
| Memoranda: | ||
| Average total assets | $82,187,670 | 4,479 |
| Average earning assets | $80,024,670 | 4,404 |
| Average equity | $8,111,670 | 4,675 |
| Average total loans | $33,060,000 | 4,837 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,167 |
| Cost of funding earning assets | 0.4147% | 3,487 |
| Net interest margin | 2.8583% | 5,085 |
| Noninterest income to average assets | 0.3556% | 3,769 |
| Noninterest expense to average assets | 2.1337% | 4,571 |
| Loan and lease loss provision to assets | 0.1442% | 1,299 |
| Net operating income to assets | 0.8698% | 3,416 |
| Return on assets (ROA) | 0.8698% | 3,432 |
| Pretax return on assets | 0.8602% | 3,983 |
| Return on Equity (ROE) | 8.8325% | 2,991 |
| Retained earnings to average equity (ytd only) | 3.8551% | 3,650 |
| Net charge-offs to loans | 0.0731% | 1,389 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 34.8333% | 1,147 |
| Efficiency ratio | 67.9939% | 2,830 |
| Assets per employee ($millions) | 4.3824% | 3,351 |
| Cash dividends to net income (ytd only)* | 56.3536% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,838 |
| Loan loss allowance to noncurrent loans | 135.6275% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,635 |
| Noncurrent loans to loans | 0.7525% | 2,323 |
| Net loans and leases to total assets | 39.0207% | 5,105 |
| Net loans and leases to deposits | 43.2291% | 5,180 |
| Net loans and leases to core deposits | 46.2111% | 5,155 |
| Total domestic deposits to total assets | 90.2649% | 556 |
| Equity capital to assets | 9.6054% | 3,990 |
| Core capital (leverage) ratio | 10.6499% | 2,796 |
| Tier 1 risk-based capital ratio | 23.6168% | 880 |
| Total risk-based capital ratio | 24.4944% | 891 |
| Memoranda: | ||
| Average total assets | $83,237,000 | 4,510 |
| Average earning assets | $81,026,500 | 4,432 |
| Average equity | $8,197,000 | 4,714 |
| Average total loans | $32,831,000 | 4,897 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 5,222 |
| Cost of funding earning assets | 0.3874% | 3,360 |
| Net interest margin | 2.7848% | 5,185 |
| Noninterest income to average assets | 0.3507% | 3,957 |
| Noninterest expense to average assets | 2.0717% | 4,830 |
| Loan and lease loss provision to assets | 0.1503% | 1,501 |
| Net operating income to assets | 0.8117% | 3,108 |
| Return on assets (ROA) | 0.8004% | 3,200 |
| Pretax return on assets | 0.8004% | 4,240 |
| Return on Equity (ROE) | 7.6905% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.0558% | 2,746 |
| Net charge-offs to loans | 0.4641% | 516 |
| Credit loss provision to net charge-offs | 83.9161% | 2,886 |
| Earnings coverage of net charge-offs (x) | 5.3706% | 3,342 |
| Efficiency ratio | 68.2907% | 2,835 |
| Assets per employee ($millions) | 4.6227% | 2,993 |
| Cash dividends to net income (ytd only)* | 47.2613% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 4,229 |
| Loan loss allowance to noncurrent loans | 43.5574% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,802 |
| Noncurrent loans to loans | 2.1744% | 676 |
| Net loans and leases to total assets | 39.0888% | 5,171 |
| Net loans and leases to deposits | 43.5152% | 5,259 |
| Net loans and leases to core deposits | 43.5152% | 5,307 |
| Total domestic deposits to total assets | 89.8279% | 633 |
| Equity capital to assets | 10.0904% | 3,604 |
| Core capital (leverage) ratio | 10.9219% | 2,408 |
| Tier 1 risk-based capital ratio | 23.0202% | 909 |
| Total risk-based capital ratio | 23.8214% | 936 |
| Memoranda: | ||
| Average total assets | $79,836,200 | 4,594 |
| Average earning assets | $76,918,200 | 4,524 |
| Average equity | $8,309,000 | 4,733 |
| Average total loans | $30,812,400 | 5,004 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 5,267 |
| Cost of funding earning assets | 0.3844% | 3,338 |
| Net interest margin | 2.7841% | 5,245 |
| Noninterest income to average assets | 0.3342% | 4,143 |
| Noninterest expense to average assets | 2.1098% | 4,716 |
| Loan and lease loss provision to assets | 0.0979% | 2,151 |
| Net operating income to assets | 0.8034% | 3,511 |
| Return on assets (ROA) | 0.7882% | 3,627 |
| Pretax return on assets | 0.7882% | 4,383 |
| Return on Equity (ROE) | 7.5133% | 3,384 |
| Retained earnings to average equity (ytd only) | 2.6546% | 4,308 |
| Net charge-offs to loans | 0.4179% | 502 |
| Credit loss provision to net charge-offs | 61.0526% | 2,795 |
| Earnings coverage of net charge-offs (x) | 5.6212% | 3,079 |
| Efficiency ratio | 70.0673% | 2,524 |
| Assets per employee ($millions) | 4.5033% | 3,139 |
| Cash dividends to net income (ytd only)* | 64.6688% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,315 |
| Loan loss allowance to noncurrent loans | 99.6644% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 3,100 |
| Noncurrent loans to loans | 0.9546% | 2,017 |
| Net loans and leases to total assets | 38.1451% | 5,260 |
| Net loans and leases to deposits | 42.6818% | 5,350 |
| Net loans and leases to core deposits | 42.6818% | 5,403 |
| Total domestic deposits to total assets | 89.3707% | 715 |
| Equity capital to assets | 10.5035% | 3,373 |
| Core capital (leverage) ratio | 11.0084% | 2,452 |
| Tier 1 risk-based capital ratio | 24.8801% | 768 |
| Total risk-based capital ratio | 25.7231% | 786 |
| Memoranda: | ||
| Average total assets | $78,993,250 | 4,655 |
| Average earning assets | $75,952,250 | 4,585 |
| Average equity | $8,287,250 | 4,784 |
| Average total loans | $30,306,500 | 5,070 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1511% | 5,301 |
| Cost of funding earning assets | 0.3803% | 3,287 |
| Net interest margin | 2.7708% | 5,286 |
| Noninterest income to average assets | 0.3269% | 4,211 |
| Noninterest expense to average assets | 2.1301% | 4,718 |
| Loan and lease loss provision to assets | 0.1098% | 1,857 |
| Net operating income to assets | 0.7484% | 3,641 |
| Return on assets (ROA) | 0.7254% | 3,804 |
| Pretax return on assets | 0.7254% | 4,487 |
| Return on Equity (ROE) | 6.9170% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.8754% | 4,497 |
| Net charge-offs to loans | 0.0200% | 2,839 |
| Credit loss provision to net charge-offs | 1,433.3333% | 302 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 605 |
| Efficiency ratio | 71.2821% | 2,473 |
| Assets per employee ($millions) | 4.3024% | 3,427 |
| Cash dividends to net income (ytd only)* | 72.8873% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,948 |
| Loan loss allowance to noncurrent loans | 53.5817% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 1,801 |
| Noncurrent loans to loans | 2.2601% | 710 |
| Net loans and leases to total assets | 39.3949% | 5,244 |
| Net loans and leases to deposits | 44.2840% | 5,328 |
| Net loans and leases to core deposits | 44.2840% | 5,389 |
| Total domestic deposits to total assets | 88.9598% | 973 |
| Equity capital to assets | 10.9460% | 2,867 |
| Core capital (leverage) ratio | 11.2074% | 2,215 |
| Tier 1 risk-based capital ratio | 24.7166% | 783 |
| Total risk-based capital ratio | 25.7819% | 778 |
| Memoranda: | ||
| Average total assets | $78,304,670 | 4,698 |
| Average earning assets | $75,211,670 | 4,630 |
| Average equity | $8,211,670 | 4,825 |
| Average total loans | $30,003,000 | 5,114 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0910% | 5,375 |
| Cost of funding earning assets | 0.3804% | 3,201 |
| Net interest margin | 2.7106% | 5,382 |
| Noninterest income to average assets | 0.3099% | 4,335 |
| Noninterest expense to average assets | 2.1185% | 4,813 |
| Loan and lease loss provision to assets | 0.1168% | 1,641 |
| Net operating income to assets | 0.6808% | 3,787 |
| Return on assets (ROA) | 0.6808% | 3,824 |
| Pretax return on assets | 0.6808% | 4,504 |
| Return on Equity (ROE) | 6.6345% | 3,589 |
| Retained earnings to average equity (ytd only) | 1.4358% | 4,531 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6481% | 2,463 |
| Assets per employee ($millions) | 4.6313% | 2,953 |
| Cash dividends to net income (ytd only)* | 78.3582% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,030 |
| Loan loss allowance to noncurrent loans | 74.6862% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 2,598 |
| Noncurrent loans to loans | 1.6298% | 1,195 |
| Net loans and leases to total assets | 36.7970% | 5,376 |
| Net loans and leases to deposits | 41.6855% | 5,423 |
| Net loans and leases to core deposits | 41.6855% | 5,480 |
| Total domestic deposits to total assets | 88.2729% | 1,546 |
| Equity capital to assets | 10.3351% | 3,369 |
| Core capital (leverage) ratio | 11.0278% | 2,333 |
| Tier 1 risk-based capital ratio | 24.8245% | 790 |
| Total risk-based capital ratio | 25.8516% | 788 |
| Memoranda: | ||
| Average total assets | $78,735,000 | 4,741 |
| Average earning assets | $75,702,500 | 4,660 |
| Average equity | $8,079,000 | 4,888 |
| Average total loans | $29,563,000 | 5,176 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0374% | 5,470 |
| Cost of funding earning assets | 0.3868% | 3,137 |
| Net interest margin | 2.6506% | 5,474 |
| Noninterest income to average assets | 0.2691% | 4,801 |
| Noninterest expense to average assets | 2.1095% | 4,984 |
| Loan and lease loss provision to assets | 0.0910% | 2,538 |
| Net operating income to assets | 0.6305% | 4,090 |
| Return on assets (ROA) | 0.6344% | 4,183 |
| Pretax return on assets | 0.6369% | 4,687 |
| Return on Equity (ROE) | 5.8997% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.8974% | 3,152 |
| Net charge-offs to loans | 0.0036% | 4,129 |
| Credit loss provision to net charge-offs | 7,100.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 565.0000% | 149 |
| Efficiency ratio | 74.4460% | 2,236 |
| Assets per employee ($millions) | 4.6316% | 2,916 |
| Cash dividends to net income (ytd only)* | 33.9394% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,603 |
| Loan loss allowance to noncurrent loans | 110.9635% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,443 |
| Noncurrent loans to loans | 1.0101% | 2,068 |
| Net loans and leases to total assets | 37.4203% | 5,427 |
| Net loans and leases to deposits | 43.6763% | 5,443 |
| Net loans and leases to core deposits | 43.6763% | 5,495 |
| Total domestic deposits to total assets | 85.6765% | 2,742 |
| Equity capital to assets | 10.1869% | 3,500 |
| Core capital (leverage) ratio | 10.9192% | 2,423 |
| Tier 1 risk-based capital ratio | 25.9944% | 701 |
| Total risk-based capital ratio | 27.0040% | 696 |
| Memoranda: | ||
| Average total assets | $78,028,600 | 4,766 |
| Average earning assets | $75,493,200 | 4,689 |
| Average equity | $8,390,200 | 4,867 |
| Average total loans | $27,498,200 | 5,285 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0416% | 5,536 |
| Cost of funding earning assets | 0.3809% | 3,218 |
| Net interest margin | 2.6607% | 5,533 |
| Noninterest income to average assets | 0.2398% | 5,039 |
| Noninterest expense to average assets | 2.2024% | 4,764 |
| Loan and lease loss provision to assets | 0.0822% | 2,563 |
| Net operating income to assets | 0.5241% | 4,598 |
| Return on assets (ROA) | 0.5292% | 4,681 |
| Pretax return on assets | 0.5326% | 5,057 |
| Return on Equity (ROE) | 4.8569% | 4,575 |
| Retained earnings to average equity (ytd only) | 2.2163% | 4,587 |
| Net charge-offs to loans | 0.0099% | 3,579 |
| Credit loss provision to net charge-offs | 2,400.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 177.7715% | 406 |
| Efficiency ratio | 78.3191% | 1,644 |
| Assets per employee ($millions) | 4.6705% | 2,798 |
| Cash dividends to net income (ytd only)* | 54.3678% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,562 |
| Loan loss allowance to noncurrent loans | 103.3333% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,621 |
| Noncurrent loans to loans | 1.1094% | 2,032 |
| Net loans and leases to total assets | 33.6684% | 5,633 |
| Net loans and leases to deposits | 38.1891% | 5,673 |
| Net loans and leases to core deposits | 38.1891% | 5,719 |
| Total domestic deposits to total assets | 88.1622% | 1,314 |
| Equity capital to assets | 10.9247% | 3,090 |
| Core capital (leverage) ratio | 10.5686% | 2,910 |
| Tier 1 risk-based capital ratio | 27.6864% | 601 |
| Total risk-based capital ratio | 28.7063% | 601 |
| Memoranda: | ||
| Average total assets | $77,851,250 | 4,815 |
| Average earning assets | $75,265,500 | 4,733 |
| Average equity | $8,482,500 | 4,895 |
| Average total loans | $26,923,250 | 5,351 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0664% | 5,576 |
| Cost of funding earning assets | 0.3672% | 3,385 |
| Net interest margin | 2.6992% | 5,569 |
| Noninterest income to average assets | 0.2224% | 5,160 |
| Noninterest expense to average assets | 2.3353% | 4,515 |
| Loan and lease loss provision to assets | 0.0802% | 2,538 |
| Net operating income to assets | 0.4061% | 5,015 |
| Return on assets (ROA) | 0.4138% | 5,078 |
| Pretax return on assets | 0.4190% | 5,311 |
| Return on Equity (ROE) | 3.8011% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.1166% | 4,935 |
| Net charge-offs to loans | -0.0521% | 5,388 |
| Credit loss provision to net charge-offs | -442.8571% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6167% | 1,198 |
| Assets per employee ($millions) | 4.3484% | 3,299 |
| Cash dividends to net income (ytd only)* | 70.6250% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 3,678 |
| Loan loss allowance to noncurrent loans | 99.3421% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 3,671 |
| Noncurrent loans to loans | 1.1541% | 1,989 |
| Net loans and leases to total assets | 33.2673% | 5,704 |
| Net loans and leases to deposits | 37.4366% | 5,759 |
| Net loans and leases to core deposits | 37.4366% | 5,800 |
| Total domestic deposits to total assets | 88.8632% | 979 |
| Equity capital to assets | 11.0065% | 3,054 |
| Core capital (leverage) ratio | 10.6114% | 2,838 |
| Tier 1 risk-based capital ratio | 27.9993% | 593 |
| Total risk-based capital ratio | 29.0156% | 593 |
| Memoranda: | ||
| Average total assets | $77,335,670 | 4,869 |
| Average earning assets | $74,615,330 | 4,790 |
| Average equity | $8,418,670 | 4,937 |
| Average total loans | $26,883,670 | 5,409 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1012% | 5,608 |
| Cost of funding earning assets | 0.3674% | 3,424 |
| Net interest margin | 2.7338% | 5,562 |
| Noninterest income to average assets | 0.1717% | 5,459 |
| Noninterest expense to average assets | 2.3209% | 4,606 |
| Loan and lease loss provision to assets | 0.0833% | 2,291 |
| Net operating income to assets | 0.4007% | 4,997 |
| Return on assets (ROA) | 0.4163% | 5,017 |
| Pretax return on assets | 0.4163% | 5,271 |
| Return on Equity (ROE) | 3.8459% | 4,938 |
| Retained earnings to average equity (ytd only) | -0.0481% | 5,114 |
| Net charge-offs to loans | -0.0295% | 5,062 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7458% | 1,286 |
| Assets per employee ($millions) | 4.2920% | 3,422 |
| Cash dividends to net income (ytd only)* | 101.2500% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,284 |
| Loan loss allowance to noncurrent loans | 30.1927% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 1,679 |
| Noncurrent loans to loans | 3.5121% | 386 |
| Net loans and leases to total assets | 34.0582% | 5,713 |
| Net loans and leases to deposits | 38.2882% | 5,768 |
| Net loans and leases to core deposits | 38.2882% | 5,814 |
| Total domestic deposits to total assets | 88.9523% | 1,126 |
| Equity capital to assets | 10.9027% | 3,041 |
| Core capital (leverage) ratio | 10.6582% | 2,787 |
| Tier 1 risk-based capital ratio | 27.7916% | 625 |
| Total risk-based capital ratio | 28.7389% | 628 |
| Memoranda: | ||
| Average total assets | $76,867,500 | 4,921 |
| Average earning assets | $74,036,500 | 4,847 |
| Average equity | $8,320,500 | 4,991 |
| Average total loans | $27,155,000 | 5,443 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 5,772 |
| Cost of funding earning assets | 0.3858% | 3,309 |
| Net interest margin | 2.5666% | 5,780 |
| Noninterest income to average assets | 0.2649% | 4,978 |
| Noninterest expense to average assets | 2.0499% | 5,354 |
| Loan and lease loss provision to assets | 0.0704% | 2,872 |
| Net operating income to assets | 0.5886% | 4,334 |
| Return on assets (ROA) | 0.5886% | 4,429 |
| Pretax return on assets | 0.6219% | 4,776 |
| Return on Equity (ROE) | 5.6986% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.2705% | 3,725 |
| Net charge-offs to loans | 0.2111% | 1,393 |
| Credit loss provision to net charge-offs | 98.2143% | 2,593 |
| Earnings coverage of net charge-offs (x) | 9.6607% | 2,795 |
| Efficiency ratio | 74.7550% | 2,465 |
| Assets per employee ($millions) | 4.2488% | 3,493 |
| Cash dividends to net income (ytd only)* | 42.6087% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,854 |
| Loan loss allowance to noncurrent loans | 38.9956% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 2,097 |
| Noncurrent loans to loans | 2.4426% | 766 |
| Net loans and leases to total assets | 35.8948% | 5,714 |
| Net loans and leases to deposits | 40.2605% | 5,764 |
| Net loans and leases to core deposits | 40.4169% | 5,809 |
| Total domestic deposits to total assets | 89.1565% | 1,042 |
| Equity capital to assets | 10.7454% | 3,079 |
| Core capital (leverage) ratio | 10.6327% | 2,794 |
| Tier 1 risk-based capital ratio | 22.9391% | 1,020 |
| Total risk-based capital ratio | 23.6711% | 1,077 |
| Memoranda: | ||
| Average total assets | $78,151,200 | 4,908 |
| Average earning assets | $75,430,200 | 4,823 |
| Average equity | $8,072,200 | 5,049 |
| Average total loans | $26,533,000 | 5,502 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9467% | 5,856 |
| Cost of funding earning assets | 0.3842% | 3,390 |
| Net interest margin | 2.5625% | 5,871 |
| Noninterest income to average assets | 0.2562% | 5,108 |
| Noninterest expense to average assets | 1.9515% | 5,563 |
| Loan and lease loss provision to assets | 0.0594% | 2,997 |
| Net operating income to assets | 0.6805% | 3,991 |
| Return on assets (ROA) | 0.6805% | 4,104 |
| Pretax return on assets | 0.7127% | 4,643 |
| Return on Equity (ROE) | 6.6534% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.4014% | 4,051 |
| Net charge-offs to loans | 0.2592% | 1,016 |
| Credit loss provision to net charge-offs | 68.6275% | 2,791 |
| Earnings coverage of net charge-offs (x) | 8.9213% | 2,754 |
| Efficiency ratio | 71.6511% | 2,941 |
| Assets per employee ($millions) | 4.4035% | 3,163 |
| Cash dividends to net income (ytd only)* | 48.8787% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,882 |
| Loan loss allowance to noncurrent loans | 80.5825% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 3,911 |
| Noncurrent loans to loans | 1.2059% | 2,121 |
| Net loans and leases to total assets | 32.0149% | 5,922 |
| Net loans and leases to deposits | 35.8312% | 5,983 |
| Net loans and leases to core deposits | 35.9683% | 6,015 |
| Total domestic deposits to total assets | 89.3494% | 839 |
| Equity capital to assets | 10.3680% | 3,733 |
| Core capital (leverage) ratio | 10.4521% | 3,098 |
| Tier 1 risk-based capital ratio | 28.8701% | 578 |
| Total risk-based capital ratio | 29.7452% | 585 |
| Memoranda: | ||
| Average total assets | $78,569,250 | 4,957 |
| Average earning assets | $75,653,000 | 4,876 |
| Average equity | $8,035,750 | 5,122 |
| Average total loans | $26,237,250 | 5,577 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9439% | 5,904 |
| Cost of funding earning assets | 0.3818% | 3,463 |
| Net interest margin | 2.5621% | 5,914 |
| Noninterest income to average assets | 0.2553% | 5,126 |
| Noninterest expense to average assets | 1.9837% | 5,554 |
| Loan and lease loss provision to assets | 0.0511% | 3,099 |
| Net operating income to assets | 0.6714% | 4,024 |
| Return on assets (ROA) | 0.6714% | 4,134 |
| Pretax return on assets | 0.7046% | 4,636 |
| Return on Equity (ROE) | 6.5956% | 3,831 |
| Retained earnings to average equity (ytd only) | 2.4577% | 4,489 |
| Net charge-offs to loans | 0.1664% | 1,470 |
| Credit loss provision to net charge-offs | 90.9091% | 2,189 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 2,133 |
| Efficiency ratio | 72.4138% | 2,948 |
| Assets per employee ($millions) | 4.2104% | 3,447 |
| Cash dividends to net income (ytd only)* | 62.7376% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 4,737 |
| Loan loss allowance to noncurrent loans | 94.2652% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 4,422 |
| Noncurrent loans to loans | 1.0869% | 2,478 |
| Net loans and leases to total assets | 33.5238% | 5,924 |
| Net loans and leases to deposits | 38.1779% | 5,971 |
| Net loans and leases to core deposits | 38.3380% | 6,012 |
| Total domestic deposits to total assets | 87.8094% | 1,749 |
| Equity capital to assets | 10.5808% | 3,357 |
| Core capital (leverage) ratio | 10.5222% | 2,926 |
| Tier 1 risk-based capital ratio | 28.3022% | 626 |
| Total risk-based capital ratio | 29.2202% | 637 |
| Memoranda: | ||
| Average total assets | $78,338,000 | 5,011 |
| Average earning assets | $75,954,000 | 4,925 |
| Average equity | $7,975,000 | 5,172 |
| Average total loans | $26,441,330 | 5,614 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9424% | 5,954 |
| Cost of funding earning assets | 0.3782% | 3,551 |
| Net interest margin | 2.5643% | 5,958 |
| Noninterest income to average assets | 0.2512% | 5,163 |
| Noninterest expense to average assets | 2.0248% | 5,534 |
| Loan and lease loss provision to assets | 0.0754% | 2,445 |
| Net operating income to assets | 0.6079% | 4,251 |
| Return on assets (ROA) | 0.6079% | 4,345 |
| Pretax return on assets | 0.6381% | 4,802 |
| Return on Equity (ROE) | 6.0858% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.8106% | 4,744 |
| Net charge-offs to loans | -0.0149% | 4,906 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9450% | 2,828 |
| Assets per employee ($millions) | 4.6826% | 2,791 |
| Cash dividends to net income (ytd only)* | 70.2479% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 4,774 |
| Loan loss allowance to noncurrent loans | 92.4342% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 4,492 |
| Noncurrent loans to loans | 1.1333% | 2,504 |
| Net loans and leases to total assets | 33.3446% | 5,945 |
| Net loans and leases to deposits | 38.7560% | 5,961 |
| Net loans and leases to core deposits | 38.9191% | 6,010 |
| Total domestic deposits to total assets | 86.0373% | 2,917 |
| Equity capital to assets | 10.1237% | 3,980 |
| Core capital (leverage) ratio | 10.0637% | 3,518 |
| Tier 1 risk-based capital ratio | 26.2435% | 770 |
| Total risk-based capital ratio | 27.1601% | 778 |
| Memoranda: | ||
| Average total assets | $79,613,000 | 5,034 |
| Average earning assets | $77,215,500 | 4,939 |
| Average equity | $7,953,000 | 5,222 |
| Average total loans | $26,827,000 | 5,646 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8379% | 6,184 |
| Cost of funding earning assets | 0.4069% | 3,619 |
| Net interest margin | 2.4310% | 6,210 |
| Noninterest income to average assets | 0.2681% | 5,208 |
| Noninterest expense to average assets | 1.8116% | 6,053 |
| Loan and lease loss provision to assets | 0.0676% | 3,134 |
| Net operating income to assets | 0.7099% | 3,838 |
| Return on assets (ROA) | 0.7170% | 3,917 |
| Pretax return on assets | 0.7404% | 4,478 |
| Return on Equity (ROE) | 7.8466% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.2221% | 2,452 |
| Net charge-offs to loans | -0.0078% | 5,522 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3503% | 3,650 |
| Assets per employee ($millions) | 4.4234% | 3,158 |
| Cash dividends to net income (ytd only)* | 33.4477% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 5,126 |
| Loan loss allowance to noncurrent loans | 86.0390% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 4,536 |
| Noncurrent loans to loans | 1.1480% | 2,549 |
| Net loans and leases to total assets | 33.3631% | 6,068 |
| Net loans and leases to deposits | 38.0214% | 6,102 |
| Net loans and leases to core deposits | 38.1831% | 6,144 |
| Total domestic deposits to total assets | 87.7482% | 1,896 |
| Equity capital to assets | 9.8554% | 4,285 |
| Core capital (leverage) ratio | 9.9147% | 3,693 |
| Tier 1 risk-based capital ratio | 20.6720% | 1,475 |
| Total risk-based capital ratio | 21.3559% | 1,546 |
| Memoranda: | ||
| Average total assets | $81,308,800 | 5,032 |
| Average earning assets | $78,402,800 | 4,916 |
| Average equity | $7,430,000 | 5,317 |
| Average total loans | $25,498,600 | 5,761 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7732% | 6,298 |
| Cost of funding earning assets | 0.4051% | 3,728 |
| Net interest margin | 2.3680% | 6,314 |
| Noninterest income to average assets | 0.2463% | 5,448 |
| Noninterest expense to average assets | 1.7667% | 6,135 |
| Loan and lease loss provision to assets | 0.0734% | 2,872 |
| Net operating income to assets | 0.6641% | 4,134 |
| Return on assets (ROA) | 0.6705% | 4,194 |
| Pretax return on assets | 0.6917% | 4,723 |
| Return on Equity (ROE) | 7.4803% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.9312% | 3,848 |
| Net charge-offs to loans | -0.0106% | 5,441 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9612% | 3,514 |
| Assets per employee ($millions) | 4.8761% | 2,402 |
| Cash dividends to net income (ytd only)* | 47.4443% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,151 |
| Loan loss allowance to noncurrent loans | 57.0470% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 4,256 |
| Noncurrent loans to loans | 1.7768% | 1,825 |
| Net loans and leases to total assets | 30.0423% | 6,246 |
| Net loans and leases to deposits | 33.7138% | 6,308 |
| Net loans and leases to core deposits | 33.7138% | 6,329 |
| Total domestic deposits to total assets | 89.1101% | 1,174 |
| Equity capital to assets | 9.0008% | 5,352 |
| Core capital (leverage) ratio | 9.4949% | 4,383 |
| Tier 1 risk-based capital ratio | 20.7938% | 1,494 |
| Total risk-based capital ratio | 21.4729% | 1,578 |
| Memoranda: | ||
| Average total assets | $81,730,750 | 5,071 |
| Average earning assets | $78,656,500 | 4,966 |
| Average equity | $7,325,750 | 5,381 |
| Average total loans | $25,166,000 | 5,835 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7838% | 6,347 |
| Cost of funding earning assets | 0.3988% | 3,881 |
| Net interest margin | 2.3850% | 6,369 |
| Noninterest income to average assets | 0.2532% | 5,382 |
| Noninterest expense to average assets | 1.7678% | 6,187 |
| Loan and lease loss provision to assets | 0.0738% | 2,797 |
| Net operating income to assets | 0.7057% | 3,808 |
| Return on assets (ROA) | 0.7057% | 3,901 |
| Pretax return on assets | 0.7204% | 4,573 |
| Return on Equity (ROE) | 7.8839% | 3,167 |
| Retained earnings to average equity (ytd only) | 3.7634% | 3,794 |
| Net charge-offs to loans | -0.0556% | 5,926 |
| Credit loss provision to net charge-offs | -428.5714% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0019% | 3,835 |
| Assets per employee ($millions) | 4.4853% | 2,942 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,249 |
| Loan loss allowance to noncurrent loans | 52.2388% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 4,241 |
| Noncurrent loans to loans | 1.9596% | 1,727 |
| Net loans and leases to total assets | 29.3417% | 6,328 |
| Net loans and leases to deposits | 32.3846% | 6,376 |
| Net loans and leases to core deposits | 32.3846% | 6,401 |
| Total domestic deposits to total assets | 90.6038% | 545 |
| Equity capital to assets | 9.3095% | 4,974 |
| Core capital (leverage) ratio | 9.5945% | 4,184 |
| Tier 1 risk-based capital ratio | 20.5363% | 1,558 |
| Total risk-based capital ratio | 21.1848% | 1,673 |
| Memoranda: | ||
| Average total assets | $81,343,330 | 5,127 |
| Average earning assets | $78,741,330 | 5,005 |
| Average equity | $7,280,670 | 5,417 |
| Average total loans | $25,168,670 | 5,872 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8083% | 6,392 |
| Cost of funding earning assets | 0.4041% | 3,923 |
| Net interest margin | 2.4042% | 6,417 |
| Noninterest income to average assets | 0.2352% | 5,479 |
| Noninterest expense to average assets | 1.7392% | 6,295 |
| Loan and lease loss provision to assets | 0.0735% | 2,670 |
| Net operating income to assets | 0.7496% | 3,420 |
| Return on assets (ROA) | 0.7496% | 3,500 |
| Pretax return on assets | 0.7545% | 4,291 |
| Return on Equity (ROE) | 8.5439% | 2,672 |
| Retained earnings to average equity (ytd only) | 5.7518% | 2,667 |
| Net charge-offs to loans | -0.0776% | 6,011 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7481% | 4,217 |
| Assets per employee ($millions) | 5.1162% | 2,107 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 5,793 |
| Loan loss allowance to noncurrent loans | 62.6374% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 4,802 |
| Noncurrent loans to loans | 1.4731% | 2,578 |
| Net loans and leases to total assets | 29.9075% | 6,360 |
| Net loans and leases to deposits | 32.8962% | 6,404 |
| Net loans and leases to core deposits | 32.8962% | 6,439 |
| Total domestic deposits to total assets | 90.9149% | 608 |
| Equity capital to assets | 8.9373% | 5,176 |
| Core capital (leverage) ratio | 9.3151% | 4,554 |
| Tier 1 risk-based capital ratio | 18.1966% | 2,209 |
| Total risk-based capital ratio | 18.7337% | 2,451 |
| Memoranda: | ||
| Average total assets | $81,647,500 | 5,171 |
| Average earning assets | $79,194,500 | 5,048 |
| Average equity | $7,163,000 | 5,476 |
| Average total loans | $25,786,000 | 5,899 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8497% | 6,467 |
| Cost of funding earning assets | 0.4912% | 3,695 |
| Net interest margin | 2.3585% | 6,478 |
| Noninterest income to average assets | 0.3019% | 5,185 |
| Noninterest expense to average assets | 1.7942% | 6,330 |
| Loan and lease loss provision to assets | 0.0814% | 3,483 |
| Net operating income to assets | 0.6979% | 3,803 |
| Return on assets (ROA) | 0.6979% | 3,898 |
| Pretax return on assets | 0.7004% | 4,540 |
| Return on Equity (ROE) | 7.6184% | 3,238 |
| Retained earnings to average equity (ytd only) | 4.0349% | 3,321 |
| Net charge-offs to loans | 0.3002% | 2,187 |
| Credit loss provision to net charge-offs | 87.8378% | 2,825 |
| Earnings coverage of net charge-offs (x) | 8.4324% | 2,672 |
| Efficiency ratio | 69.6498% | 3,889 |
| Assets per employee ($millions) | 4.7904% | 2,460 |
| Cash dividends to net income (ytd only)* | 47.0377% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 6,222 |
| Loan loss allowance to noncurrent loans | 65.6151% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 5,086 |
| Noncurrent loans to loans | 1.1801% | 3,185 |
| Net loans and leases to total assets | 32.7300% | 6,351 |
| Net loans and leases to deposits | 35.8648% | 6,429 |
| Net loans and leases to core deposits | 35.8648% | 6,476 |
| Total domestic deposits to total assets | 91.2594% | 479 |
| Equity capital to assets | 8.6080% | 5,473 |
| Core capital (leverage) ratio | 9.2393% | 4,658 |
| Tier 1 risk-based capital ratio | 18.9437% | 1,943 |
| Total risk-based capital ratio | 19.4607% | 2,138 |
| Memoranda: | ||
| Average total assets | $79,814,800 | 5,241 |
| Average earning assets | $76,955,800 | 5,118 |
| Average equity | $7,311,200 | 5,495 |
| Average total loans | $24,652,200 | 6,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8584% | 6,524 |
| Cost of funding earning assets | 0.5020% | 3,750 |
| Net interest margin | 2.3564% | 6,552 |
| Noninterest income to average assets | 0.2770% | 5,465 |
| Noninterest expense to average assets | 1.7898% | 6,355 |
| Loan and lease loss provision to assets | 0.0588% | 3,872 |
| Net operating income to assets | 0.6951% | 3,885 |
| Return on assets (ROA) | 0.6951% | 4,022 |
| Pretax return on assets | 0.6985% | 4,696 |
| Return on Equity (ROE) | 7.4730% | 3,395 |
| Retained earnings to average equity (ytd only) | 2.7437% | 4,677 |
| Net charge-offs to loans | 0.0332% | 4,469 |
| Credit loss provision to net charge-offs | 583.3333% | 486 |
| Earnings coverage of net charge-offs (x) | 75.1650% | 628 |
| Efficiency ratio | 70.2703% | 3,711 |
| Assets per employee ($millions) | 4.8832% | 2,329 |
| Cash dividends to net income (ytd only)* | 63.2838% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 5,606 |
| Loan loss allowance to noncurrent loans | 68.9076% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 4,878 |
| Noncurrent loans to loans | 1.4920% | 2,926 |
| Net loans and leases to total assets | 28.5262% | 6,580 |
| Net loans and leases to deposits | 31.2484% | 6,635 |
| Net loans and leases to core deposits | 31.2484% | 6,660 |
| Total domestic deposits to total assets | 91.2883% | 429 |
| Equity capital to assets | 8.5370% | 5,693 |
| Core capital (leverage) ratio | 9.0663% | 5,017 |
| Tier 1 risk-based capital ratio | 19.4452% | 1,877 |
| Total risk-based capital ratio | 20.0848% | 2,001 |
| Memoranda: | ||
| Average total assets | $79,409,500 | 5,304 |
| Average earning assets | $76,498,250 | 5,181 |
| Average equity | $7,386,500 | 5,541 |
| Average total loans | $24,099,750 | 6,087 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8683% | 6,558 |
| Cost of funding earning assets | 0.5083% | 3,821 |
| Net interest margin | 2.3600% | 6,586 |
| Noninterest income to average assets | 0.2660% | 5,548 |
| Noninterest expense to average assets | 1.7978% | 6,384 |
| Loan and lease loss provision to assets | 0.0895% | 3,295 |
| Net operating income to assets | 0.6675% | 3,982 |
| Return on assets (ROA) | 0.6675% | 4,135 |
| Pretax return on assets | 0.6700% | 4,777 |
| Return on Equity (ROE) | 6.9727% | 3,615 |
| Retained earnings to average equity (ytd only) | 1.0419% | 5,483 |
| Net charge-offs to loans | -0.0166% | 5,904 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3000% | 3,768 |
| Assets per employee ($millions) | 4.5942% | 2,658 |
| Cash dividends to net income (ytd only)* | 85.0575% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,517 |
| Loan loss allowance to noncurrent loans | 64.3038% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 4,715 |
| Noncurrent loans to loans | 1.6811% | 2,795 |
| Net loans and leases to total assets | 29.7602% | 6,587 |
| Net loans and leases to deposits | 32.7846% | 6,642 |
| Net loans and leases to core deposits | 32.7846% | 6,667 |
| Total domestic deposits to total assets | 90.7748% | 635 |
| Equity capital to assets | 9.0793% | 5,137 |
| Core capital (leverage) ratio | 9.1846% | 4,717 |
| Tier 1 risk-based capital ratio | 20.3088% | 1,650 |
| Total risk-based capital ratio | 21.0090% | 1,755 |
| Memoranda: | ||
| Average total assets | $78,207,670 | 5,368 |
| Average earning assets | $75,933,000 | 5,228 |
| Average equity | $7,486,330 | 5,566 |
| Average total loans | $24,157,330 | 6,112 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8471% | 6,654 |
| Cost of funding earning assets | 0.5167% | 3,907 |
| Net interest margin | 2.3304% | 6,666 |
| Noninterest income to average assets | 0.2607% | 5,598 |
| Noninterest expense to average assets | 1.7838% | 6,459 |
| Loan and lease loss provision to assets | 0.1789% | 2,075 |
| Net operating income to assets | 0.5571% | 4,422 |
| Return on assets (ROA) | 0.5571% | 4,581 |
| Pretax return on assets | 0.5571% | 5,091 |
| Return on Equity (ROE) | 5.6741% | 4,212 |
| Retained earnings to average equity (ytd only) | -1.7699% | 6,054 |
| Net charge-offs to loans | -0.1307% | 6,554 |
| Credit loss provision to net charge-offs | -437.5000% | 5,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7911% | 3,824 |
| Assets per employee ($millions) | 4.8019% | 2,484 |
| Cash dividends to net income (ytd only)* | 131.1927% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,473 |
| Loan loss allowance to noncurrent loans | 71.0383% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 4,999 |
| Noncurrent loans to loans | 1.5938% | 3,146 |
| Net loans and leases to total assets | 27.8126% | 6,669 |
| Net loans and leases to deposits | 30.8512% | 6,722 |
| Net loans and leases to core deposits | 30.8512% | 6,749 |
| Total domestic deposits to total assets | 90.1509% | 960 |
| Equity capital to assets | 9.3542% | 5,057 |
| Core capital (leverage) ratio | 9.1406% | 4,651 |
| Tier 1 risk-based capital ratio | 18.5254% | 2,180 |
| Total risk-based capital ratio | 19.1857% | 2,355 |
| Memoranda: | ||
| Average total assets | $78,261,000 | 5,411 |
| Average earning assets | $75,866,000 | 5,270 |
| Average equity | $7,684,000 | 5,585 |
| Average total loans | $24,487,500 | 6,146 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 6,570 |
| Cost of funding earning assets | 0.5797% | 4,536 |
| Net interest margin | 2.7307% | 6,480 |
| Noninterest income to average assets | 0.2990% | 5,324 |
| Noninterest expense to average assets | 1.9517% | 6,418 |
| Loan and lease loss provision to assets | 0.0549% | 5,115 |
| Net operating income to assets | 0.7008% | 3,735 |
| Return on assets (ROA) | 0.7008% | 3,987 |
| Pretax return on assets | 0.9285% | 3,815 |
| Return on Equity (ROE) | 6.7411% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.7201% | 3,597 |
| Net charge-offs to loans | 0.1468% | 4,227 |
| Credit loss provision to net charge-offs | 108.1081% | 2,729 |
| Earnings coverage of net charge-offs (x) | 19.3784% | 1,388 |
| Efficiency ratio | 66.4953% | 4,411 |
| Assets per employee ($millions) | 4.4053% | 3,135 |
| Cash dividends to net income (ytd only)* | 44.8141% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 6,422 |
| Loan loss allowance to noncurrent loans | 51.0588% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 4,771 |
| Noncurrent loans to loans | 1.6339% | 3,172 |
| Net loans and leases to total assets | 34.4425% | 6,524 |
| Net loans and leases to deposits | 38.7361% | 6,609 |
| Net loans and leases to core deposits | 38.7361% | 6,649 |
| Total domestic deposits to total assets | 88.9157% | 1,622 |
| Equity capital to assets | 10.3245% | 3,724 |
| Core capital (leverage) ratio | 9.6620% | 3,873 |
| Tier 1 risk-based capital ratio | 18.7934% | 2,013 |
| Total risk-based capital ratio | 19.3500% | 2,202 |
| Memoranda: | ||
| Average total assets | $72,912,600 | 5,551 |
| Average earning assets | $70,385,000 | 5,413 |
| Average equity | $7,580,400 | 5,614 |
| Average total loans | $25,206,000 | 6,183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3665% | 6,660 |
| Cost of funding earning assets | 0.5875% | 4,770 |
| Net interest margin | 2.7790% | 6,531 |
| Noninterest income to average assets | 0.2780% | 5,550 |
| Noninterest expense to average assets | 1.9626% | 6,419 |
| Loan and lease loss provision to assets | 0.0368% | 5,312 |
| Net operating income to assets | 0.7217% | 3,821 |
| Return on assets (ROA) | 0.7217% | 4,064 |
| Pretax return on assets | 0.9611% | 3,868 |
| Return on Equity (ROE) | 6.9294% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.3409% | 4,519 |
| Net charge-offs to loans | 0.0107% | 5,564 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 270.6554% | 171 |
| Efficiency ratio | 66.2935% | 4,397 |
| Assets per employee ($millions) | 4.3465% | 3,168 |
| Cash dividends to net income (ytd only)* | 51.7861% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 6,279 |
| Loan loss allowance to noncurrent loans | 44.4444% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,638 |
| Noncurrent loans to loans | 2.1051% | 2,724 |
| Net loans and leases to total assets | 33.2454% | 6,692 |
| Net loans and leases to deposits | 37.4758% | 6,769 |
| Net loans and leases to core deposits | 37.4758% | 6,820 |
| Total domestic deposits to total assets | 88.7116% | 1,593 |
| Equity capital to assets | 10.4114% | 3,944 |
| Core capital (leverage) ratio | 9.6814% | 3,994 |
| Tier 1 risk-based capital ratio | 19.0017% | 2,013 |
| Total risk-based capital ratio | 19.6128% | 2,182 |
| Memoranda: | ||
| Average total assets | $72,418,250 | 5,624 |
| Average earning assets | $69,902,500 | 5,489 |
| Average equity | $7,542,500 | 5,684 |
| Average total loans | $25,004,750 | 6,276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4585% | 6,657 |
| Cost of funding earning assets | 0.6015% | 4,888 |
| Net interest margin | 2.8570% | 6,485 |
| Noninterest income to average assets | 0.2642% | 5,691 |
| Noninterest expense to average assets | 1.9798% | 6,478 |
| Loan and lease loss provision to assets | 0.0556% | 4,966 |
| Net operating income to assets | 0.7396% | 3,647 |
| Return on assets (ROA) | 0.7396% | 3,926 |
| Pretax return on assets | 0.9760% | 3,802 |
| Return on Equity (ROE) | 7.1006% | 3,726 |
| Retained earnings to average equity (ytd only) | 1.6817% | 5,360 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7433% | 4,581 |
| Assets per employee ($millions) | 3.7555% | 4,412 |
| Cash dividends to net income (ytd only)* | 76.3158% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,341 |
| Loan loss allowance to noncurrent loans | 44.1509% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 4,640 |
| Noncurrent loans to loans | 2.1380% | 2,775 |
| Net loans and leases to total assets | 34.4124% | 6,705 |
| Net loans and leases to deposits | 38.8510% | 6,767 |
| Net loans and leases to core deposits | 38.8510% | 6,837 |
| Total domestic deposits to total assets | 88.5754% | 1,771 |
| Equity capital to assets | 10.5991% | 3,569 |
| Core capital (leverage) ratio | 9.6783% | 3,869 |
| Tier 1 risk-based capital ratio | 19.8825% | 1,727 |
| Total risk-based capital ratio | 20.5371% | 1,866 |
| Memoranda: | ||
| Average total assets | $71,927,670 | 5,670 |
| Average earning assets | $69,162,330 | 5,554 |
| Average equity | $7,492,330 | 5,714 |
| Average total loans | $25,074,000 | 6,316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 6,781 |
| Cost of funding earning assets | 0.6164% | 4,999 |
| Net interest margin | 2.8054% | 6,634 |
| Noninterest income to average assets | 0.2936% | 5,518 |
| Noninterest expense to average assets | 2.0162% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7201% | 3,782 |
| Return on assets (ROA) | 0.7201% | 4,004 |
| Pretax return on assets | 0.9749% | 3,773 |
| Return on Equity (ROE) | 6.9733% | 3,795 |
| Retained earnings to average equity (ytd only) | -3.9158% | 6,485 |
| Net charge-offs to loans | 0.0635% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 693 |
| Efficiency ratio | 67.4074% | 4,284 |
| Assets per employee ($millions) | 4.3795% | 3,236 |
| Cash dividends to net income (ytd only)* | 156.1538% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 6,602 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 4,778 |
| Noncurrent loans to loans | 2.3293% | 2,778 |
| Net loans and leases to total assets | 32.0103% | 6,831 |
| Net loans and leases to deposits | 35.8446% | 6,897 |
| Net loans and leases to core deposits | 35.8446% | 6,945 |
| Total domestic deposits to total assets | 89.3030% | 1,478 |
| Equity capital to assets | 9.9367% | 4,209 |
| Core capital (leverage) ratio | 9.4360% | 4,142 |
| Tier 1 risk-based capital ratio | 20.0161% | 1,708 |
| Total risk-based capital ratio | 20.6189% | 1,846 |
| Memoranda: | ||
| Average total assets | $72,214,000 | 5,706 |
| Average earning assets | $69,436,500 | 5,581 |
| Average equity | $7,457,000 | 5,750 |
| Average total loans | $25,216,500 | 6,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 6,897 |
| Cost of funding earning assets | 0.8343% | 4,593 |
| Net interest margin | 2.8111% | 6,811 |
| Noninterest income to average assets | 0.3014% | 5,377 |
| Noninterest expense to average assets | 2.1601% | 6,360 |
| Loan and lease loss provision to assets | 0.0990% | 5,352 |
| Net operating income to assets | 0.6279% | 3,840 |
| Return on assets (ROA) | 0.6279% | 4,042 |
| Pretax return on assets | 0.7654% | 4,099 |
| Return on Equity (ROE) | 5.8136% | 3,960 |
| Retained earnings to average equity (ytd only) | 2.5580% | 4,407 |
| Net charge-offs to loans | 0.1680% | 4,807 |
| Credit loss provision to net charge-offs | 155.8140% | 1,803 |
| Earnings coverage of net charge-offs (x) | 13.6047% | 1,528 |
| Efficiency ratio | 71.4216% | 3,709 |
| Assets per employee ($millions) | 3.8876% | 4,111 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 6,712 |
| Loan loss allowance to noncurrent loans | 24.0449% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 3,891 |
| Noncurrent loans to loans | 3.3724% | 1,918 |
| Net loans and leases to total assets | 37.4080% | 6,671 |
| Net loans and leases to deposits | 42.2516% | 6,792 |
| Net loans and leases to core deposits | 42.2516% | 6,876 |
| Total domestic deposits to total assets | 88.5362% | 1,832 |
| Equity capital to assets | 10.7407% | 3,260 |
| Core capital (leverage) ratio | 9.8227% | 3,557 |
| Tier 1 risk-based capital ratio | 20.2634% | 1,577 |
| Total risk-based capital ratio | 20.8789% | 1,688 |
| Memoranda: | ||
| Average total assets | $67,680,600 | 5,820 |
| Average earning assets | $65,561,400 | 5,680 |
| Average equity | $7,310,400 | 5,773 |
| Average total loans | $25,590,200 | 6,384 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 6,972 |
| Cost of funding earning assets | 0.8829% | 4,524 |
| Net interest margin | 2.7758% | 6,914 |
| Noninterest income to average assets | 0.2762% | 5,644 |
| Noninterest expense to average assets | 2.1597% | 6,371 |
| Loan and lease loss provision to assets | 0.1133% | 5,006 |
| Net operating income to assets | 0.5881% | 4,139 |
| Return on assets (ROA) | 0.5881% | 4,320 |
| Pretax return on assets | 0.6954% | 4,500 |
| Return on Equity (ROE) | 5.4368% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.0653% | 5,590 |
| Net charge-offs to loans | 0.2363% | 3,945 |
| Credit loss provision to net charge-offs | 126.6667% | 2,531 |
| Earnings coverage of net charge-offs (x) | 9.0442% | 2,100 |
| Efficiency ratio | 72.7577% | 3,412 |
| Assets per employee ($millions) | 3.8328% | 4,234 |
| Cash dividends to net income (ytd only)* | 80.4059% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 6,785 |
| Loan loss allowance to noncurrent loans | 32.5282% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 4,702 |
| Noncurrent loans to loans | 2.5098% | 2,761 |
| Net loans and leases to total assets | 35.5718% | 6,886 |
| Net loans and leases to deposits | 40.2556% | 6,970 |
| Net loans and leases to core deposits | 40.4333% | 7,026 |
| Total domestic deposits to total assets | 88.3650% | 1,827 |
| Equity capital to assets | 10.8248% | 3,328 |
| Core capital (leverage) ratio | 9.8118% | 3,693 |
| Tier 1 risk-based capital ratio | 21.9351% | 1,300 |
| Total risk-based capital ratio | 22.5756% | 1,375 |
| Memoranda: | ||
| Average total assets | $67,106,500 | 5,869 |
| Average earning assets | $65,084,250 | 5,740 |
| Average equity | $7,259,000 | 5,826 |
| Average total loans | $25,390,000 | 6,459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 7,079 |
| Cost of funding earning assets | 0.9413% | 4,385 |
| Net interest margin | 2.6844% | 7,047 |
| Noninterest income to average assets | 0.2798% | 5,646 |
| Noninterest expense to average assets | 2.1661% | 6,468 |
| Loan and lease loss provision to assets | 0.1715% | 4,213 |
| Net operating income to assets | 0.5114% | 4,453 |
| Return on assets (ROA) | 0.5114% | 4,589 |
| Pretax return on assets | 0.5506% | 4,905 |
| Return on Equity (ROE) | 4.7292% | 4,577 |
| Retained earnings to average equity (ytd only) | -1.8917% | 6,233 |
| Net charge-offs to loans | 0.3749% | 3,057 |
| Credit loss provision to net charge-offs | 118.7500% | 2,589 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,719 |
| Efficiency ratio | 75.0000% | 3,175 |
| Assets per employee ($millions) | 3.9873% | 3,776 |
| Cash dividends to net income (ytd only)* | 140.0000% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 6,871 |
| Loan loss allowance to noncurrent loans | 58.7021% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 5,650 |
| Noncurrent loans to loans | 1.3607% | 4,378 |
| Net loans and leases to total assets | 36.4614% | 6,939 |
| Net loans and leases to deposits | 41.2274% | 7,026 |
| Net loans and leases to core deposits | 41.4125% | 7,086 |
| Total domestic deposits to total assets | 88.4397% | 1,893 |
| Equity capital to assets | 10.7798% | 3,196 |
| Core capital (leverage) ratio | 9.9761% | 3,291 |
| Tier 1 risk-based capital ratio | 20.4943% | 1,518 |
| Total risk-based capital ratio | 21.0949% | 1,611 |
| Memoranda: | ||
| Average total assets | $66,478,670 | 5,942 |
| Average earning assets | $64,594,670 | 5,800 |
| Average equity | $7,189,330 | 5,870 |
| Average total loans | $25,605,670 | 6,502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 7,172 |
| Cost of funding earning assets | 0.9819% | 4,337 |
| Net interest margin | 2.5767% | 7,141 |
| Noninterest income to average assets | 0.2734% | 5,719 |
| Noninterest expense to average assets | 2.1633% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5226% | 4,392 |
| Return on assets (ROA) | 0.5226% | 4,477 |
| Pretax return on assets | 0.6137% | 4,634 |
| Return on Equity (ROE) | 4.8243% | 4,491 |
| Retained earnings to average equity (ytd only) | -8.5268% | 6,785 |
| Net charge-offs to loans | 0.0462% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 772 |
| Efficiency ratio | 77.8993% | 2,861 |
| Assets per employee ($millions) | 3.7610% | 4,390 |
| Cash dividends to net income (ytd only)* | 276.7442% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 6,948 |
| Loan loss allowance to noncurrent loans | 36.2235% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 5,105 |
| Noncurrent loans to loans | 2.1706% | 3,358 |
| Net loans and leases to total assets | 35.0409% | 7,051 |
| Net loans and leases to deposits | 39.4623% | 7,121 |
| Net loans and leases to core deposits | 39.6384% | 7,177 |
| Total domestic deposits to total assets | 88.7958% | 1,901 |
| Equity capital to assets | 10.3814% | 3,306 |
| Core capital (leverage) ratio | 9.7990% | 3,388 |
| Tier 1 risk-based capital ratio | 19.1104% | 1,773 |
| Total risk-based capital ratio | 19.6461% | 1,942 |
| Memoranda: | ||
| Average total assets | $65,826,000 | 5,998 |
| Average earning assets | $63,957,000 | 5,863 |
| Average equity | $7,130,500 | 5,888 |
| Average total loans | $25,951,500 | 6,527 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 6,742 |
| Cost of funding earning assets | 1.2011% | 4,558 |
| Net interest margin | 3.1236% | 6,455 |
| Noninterest income to average assets | 0.3918% | 4,962 |
| Noninterest expense to average assets | 2.2432% | 6,501 |
| Loan and lease loss provision to assets | 0.1256% | 5,905 |
| Net operating income to assets | 0.7819% | 2,882 |
| Return on assets (ROA) | 0.7819% | 3,006 |
| Pretax return on assets | 1.0365% | 2,825 |
| Return on Equity (ROE) | 6.6783% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.8122% | 3,194 |
| Net charge-offs to loans | 0.4770% | 3,712 |
| Credit loss provision to net charge-offs | 58.4615% | 6,106 |
| Earnings coverage of net charge-offs (x) | 5.4077% | 2,630 |
| Efficiency ratio | 65.8738% | 4,993 |
| Assets per employee ($millions) | 3.7620% | 4,337 |
| Cash dividends to net income (ytd only)* | 42.9175% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 7,156 |
| Loan loss allowance to noncurrent loans | 35.1750% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 5,031 |
| Noncurrent loans to loans | 1.9398% | 3,648 |
| Net loans and leases to total assets | 43.4719% | 6,754 |
| Net loans and leases to deposits | 49.5915% | 6,876 |
| Net loans and leases to core deposits | 49.8288% | 6,985 |
| Total domestic deposits to total assets | 87.6599% | 2,446 |
| Equity capital to assets | 11.3097% | 2,402 |
| Core capital (leverage) ratio | 10.6493% | 2,417 |
| Tier 1 risk-based capital ratio | 11.9272% | 5,544 |
| Total risk-based capital ratio | 12.2594% | 6,292 |
| Memoranda: | ||
| Average total assets | $60,494,600 | 6,177 |
| Average earning assets | $58,363,000 | 6,050 |
| Average equity | $7,082,600 | 6,006 |
| Average total loans | $27,254,400 | 6,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 6,736 |
| Cost of funding earning assets | 1.2252% | 4,711 |
| Net interest margin | 3.2208% | 6,273 |
| Noninterest income to average assets | 0.3622% | 5,260 |
| Noninterest expense to average assets | 2.2293% | 6,524 |
| Loan and lease loss provision to assets | 0.1699% | 5,342 |
| Net operating income to assets | 0.7982% | 3,006 |
| Return on assets (ROA) | 0.7982% | 3,169 |
| Pretax return on assets | 1.0666% | 2,945 |
| Return on Equity (ROE) | 6.7564% | 3,455 |
| Retained earnings to average equity (ytd only) | 2.9145% | 4,386 |
| Net charge-offs to loans | 0.5763% | 3,017 |
| Credit loss provision to net charge-offs | 64.9573% | 5,563 |
| Earnings coverage of net charge-offs (x) | 4.7263% | 2,945 |
| Efficiency ratio | 64.3226% | 5,187 |
| Assets per employee ($millions) | 3.8674% | 4,103 |
| Cash dividends to net income (ytd only)* | 56.8625% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 7,086 |
| Loan loss allowance to noncurrent loans | 40.5567% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 5,468 |
| Noncurrent loans to loans | 1.8741% | 3,835 |
| Net loans and leases to total assets | 43.0460% | 6,903 |
| Net loans and leases to deposits | 49.4477% | 7,024 |
| Net loans and leases to core deposits | 49.6931% | 7,134 |
| Total domestic deposits to total assets | 87.0536% | 2,499 |
| Equity capital to assets | 11.7118% | 2,349 |
| Core capital (leverage) ratio | 10.9326% | 2,311 |
| Tier 1 risk-based capital ratio | 12.0193% | 5,442 |
| Total risk-based capital ratio | 12.3830% | 6,249 |
| Memoranda: | ||
| Average total assets | $59,629,750 | 6,284 |
| Average earning assets | $57,458,250 | 6,146 |
| Average equity | $7,045,000 | 6,095 |
| Average total loans | $27,069,750 | 6,639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 6,738 |
| Cost of funding earning assets | 1.2474% | 4,849 |
| Net interest margin | 3.2396% | 6,195 |
| Noninterest income to average assets | 0.3634% | 5,234 |
| Noninterest expense to average assets | 2.3234% | 6,293 |
| Loan and lease loss provision to assets | 0.1732% | 5,133 |
| Net operating income to assets | 0.7677% | 3,111 |
| Return on assets (ROA) | 0.7677% | 3,264 |
| Pretax return on assets | 0.9986% | 3,119 |
| Return on Equity (ROE) | 6.4778% | 3,554 |
| Retained earnings to average equity (ytd only) | 0.6592% | 5,495 |
| Net charge-offs to loans | 0.0074% | 6,257 |
| Credit loss provision to net charge-offs | 5,100.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 95 |
| Efficiency ratio | 66.4723% | 4,892 |
| Assets per employee ($millions) | 3.4404% | 5,072 |
| Cash dividends to net income (ytd only)* | 89.8230% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,959 |
| Loan loss allowance to noncurrent loans | 47.4277% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 5,011 |
| Noncurrent loans to loans | 2.3103% | 3,358 |
| Net loans and leases to total assets | 45.5281% | 6,804 |
| Net loans and leases to deposits | 52.4917% | 6,950 |
| Net loans and leases to core deposits | 52.7674% | 7,096 |
| Total domestic deposits to total assets | 86.7338% | 2,688 |
| Equity capital to assets | 12.0967% | 2,047 |
| Core capital (leverage) ratio | 11.3466% | 2,015 |
| Tier 1 risk-based capital ratio | 16.6970% | 2,400 |
| Total risk-based capital ratio | 17.4418% | 2,549 |
| Memoranda: | ||
| Average total assets | $58,880,330 | 6,354 |
| Average earning assets | $56,920,670 | 6,206 |
| Average equity | $6,977,670 | 6,146 |
| Average total loans | $27,146,330 | 6,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 6,761 |
| Cost of funding earning assets | 1.2657% | 5,038 |
| Net interest margin | 3.2485% | 6,138 |
| Noninterest income to average assets | 0.3521% | 5,322 |
| Noninterest expense to average assets | 2.2885% | 6,407 |
| Loan and lease loss provision to assets | 0.1354% | 5,207 |
| Net operating income to assets | 0.8599% | 2,707 |
| Return on assets (ROA) | 0.8599% | 2,797 |
| Pretax return on assets | 1.0562% | 2,887 |
| Return on Equity (ROE) | 7.3315% | 3,190 |
| Retained earnings to average equity (ytd only) | -4.3874% | 6,540 |
| Net charge-offs to loans | 0.0293% | 5,158 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 367 |
| Efficiency ratio | 65.7588% | 5,170 |
| Assets per employee ($millions) | 3.5972% | 4,830 |
| Cash dividends to net income (ytd only)* | 159.8425% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 6,504 |
| Loan loss allowance to noncurrent loans | 110.0418% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 6,431 |
| Noncurrent loans to loans | 0.9020% | 5,511 |
| Net loans and leases to total assets | 45.5807% | 6,863 |
| Net loans and leases to deposits | 52.5216% | 7,007 |
| Net loans and leases to core deposits | 52.8006% | 7,164 |
| Total domestic deposits to total assets | 86.7848% | 2,741 |
| Equity capital to assets | 11.9312% | 2,081 |
| Core capital (leverage) ratio | 11.0724% | 2,187 |
| Tier 1 risk-based capital ratio | 18.2345% | 1,888 |
| Total risk-based capital ratio | 18.9708% | 1,990 |
| Memoranda: | ||
| Average total assets | $59,077,000 | 6,428 |
| Average earning assets | $56,887,500 | 6,281 |
| Average equity | $6,929,000 | 6,212 |
| Average total loans | $27,258,000 | 6,761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 6,837 |
| Cost of funding earning assets | 1.6501% | 4,790 |
| Net interest margin | 3.2018% | 6,089 |
| Noninterest income to average assets | 0.3065% | 5,898 |
| Noninterest expense to average assets | 2.5038% | 6,114 |
| Loan and lease loss provision to assets | 0.4544% | 4,099 |
| Net operating income to assets | 0.3671% | 4,263 |
| Return on assets (ROA) | 0.3671% | 4,362 |
| Pretax return on assets | 0.4223% | 4,426 |
| Return on Equity (ROE) | 2.9366% | 4,529 |
| Retained earnings to average equity (ytd only) | -1.1404% | 5,296 |
| Net charge-offs to loans | 0.9529% | 2,497 |
| Credit loss provision to net charge-offs | 103.6585% | 5,331 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,222 |
| Efficiency ratio | 74.0643% | 3,884 |
| Assets per employee ($millions) | 3.7874% | 4,305 |
| Cash dividends to net income (ytd only)* | 138.8350% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 6,905 |
| Loan loss allowance to noncurrent loans | 62.1827% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 5,842 |
| Noncurrent loans to loans | 1.4062% | 4,580 |
| Net loans and leases to total assets | 45.8324% | 6,994 |
| Net loans and leases to deposits | 53.7371% | 7,069 |
| Net loans and leases to core deposits | 59.7946% | 7,272 |
| Total domestic deposits to total assets | 85.2902% | 3,416 |
| Equity capital to assets | 11.5365% | 2,294 |
| Core capital (leverage) ratio | 11.0234% | 2,215 |
| Tier 1 risk-based capital ratio | 18.5677% | 1,736 |
| Total risk-based capital ratio | 19.2582% | 1,857 |
| Memoranda: | ||
| Average total assets | $56,114,800 | 6,489 |
| Average earning assets | $53,876,600 | 6,380 |
| Average equity | $7,014,800 | 6,263 |
| Average total loans | $25,814,800 | 6,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 6,755 |
| Cost of funding earning assets | 1.7256% | 4,771 |
| Net interest margin | 3.2264% | 5,929 |
| Noninterest income to average assets | 0.3758% | 5,502 |
| Noninterest expense to average assets | 2.5069% | 6,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7516% | 3,017 |
| Return on assets (ROA) | 0.7516% | 3,076 |
| Pretax return on assets | 0.9649% | 3,008 |
| Return on Equity (ROE) | 5.8871% | 3,572 |
| Retained earnings to average equity (ytd only) | 0.4558% | 5,012 |
| Net charge-offs to loans | -0.0264% | 7,789 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2067% | 4,211 |
| Assets per employee ($millions) | 3.4843% | 4,966 |
| Cash dividends to net income (ytd only)* | 92.2578% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,574 |
| Loan loss allowance to noncurrent loans | 50.8439% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 5,512 |
| Noncurrent loans to loans | 1.8579% | 3,831 |
| Net loans and leases to total assets | 42.6637% | 7,329 |
| Net loans and leases to deposits | 48.9672% | 7,461 |
| Net loans and leases to core deposits | 54.3462% | 7,586 |
| Total domestic deposits to total assets | 87.1271% | 2,115 |
| Equity capital to assets | 12.0119% | 2,234 |
| Core capital (leverage) ratio | 11.7506% | 1,939 |
| Tier 1 risk-based capital ratio | 22.1110% | 1,213 |
| Total risk-based capital ratio | 22.9072% | 1,245 |
| Memoranda: | ||
| Average total assets | $54,993,750 | 6,578 |
| Average earning assets | $52,771,000 | 6,466 |
| Average equity | $7,020,750 | 6,312 |
| Average total loans | $25,263,750 | 6,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 6,695 |
| Cost of funding earning assets | 1.8040% | 4,736 |
| Net interest margin | 3.2187% | 5,842 |
| Noninterest income to average assets | 0.3770% | 5,490 |
| Noninterest expense to average assets | 2.4822% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8063% | 2,831 |
| Return on assets (ROA) | 0.8063% | 2,927 |
| Pretax return on assets | 1.0116% | 2,963 |
| Return on Equity (ROE) | 6.1808% | 3,564 |
| Retained earnings to average equity (ytd only) | -2.0031% | 5,744 |
| Net charge-offs to loans | 0.0477% | 5,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 45.1667% | 743 |
| Efficiency ratio | 71.0470% | 4,585 |
| Assets per employee ($millions) | 3.1717% | 5,654 |
| Cash dividends to net income (ytd only)* | 132.4074% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,712 |
| Loan loss allowance to noncurrent loans | 77.9661% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 6,059 |
| Noncurrent loans to loans | 1.1717% | 4,878 |
| Net loans and leases to total assets | 46.2675% | 7,177 |
| Net loans and leases to deposits | 53.5746% | 7,302 |
| Net loans and leases to core deposits | 61.1296% | 7,409 |
| Total domestic deposits to total assets | 86.3610% | 2,593 |
| Equity capital to assets | 12.8415% | 1,770 |
| Core capital (leverage) ratio | 12.1728% | 1,763 |
| Tier 1 risk-based capital ratio | 22.5153% | 1,182 |
| Total risk-based capital ratio | 23.3034% | 1,217 |
| Memoranda: | ||
| Average total assets | $53,580,670 | 6,683 |
| Average earning assets | $51,884,670 | 6,559 |
| Average equity | $6,989,330 | 6,376 |
| Average total loans | $25,181,000 | 7,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 6,609 |
| Cost of funding earning assets | 1.8362% | 4,934 |
| Net interest margin | 3.2773% | 5,586 |
| Noninterest income to average assets | 0.3595% | 5,564 |
| Noninterest expense to average assets | 2.5538% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8463% | 2,923 |
| Return on assets (ROA) | 0.8463% | 3,074 |
| Pretax return on assets | 0.9736% | 3,450 |
| Return on Equity (ROE) | 6.4369% | 3,839 |
| Retained earnings to average equity (ytd only) | -9.8547% | 7,094 |
| Net charge-offs to loans | 0.0635% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,001 |
| Efficiency ratio | 72.3992% | 4,122 |
| Assets per employee ($millions) | 3.1549% | 5,725 |
| Cash dividends to net income (ytd only)* | 253.0973% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.3856% | 7,166 |
| Net loans and leases to deposits | 54.9559% | 7,224 |
| Net loans and leases to core deposits | 62.0647% | 7,389 |
| Total domestic deposits to total assets | 84.4051% | 3,509 |
| Equity capital to assets | 12.8149% | 1,828 |
| Core capital (leverage) ratio | 12.1668% | 1,830 |
| Tier 1 risk-based capital ratio | 22.2013% | 1,277 |
| Total risk-based capital ratio | 22.9944% | 1,300 |
| Memoranda: | ||
| Average total assets | $53,411,500 | 6,728 |
| Average earning assets | $51,628,500 | 6,588 |
| Average equity | $7,022,000 | 6,399 |
| Average total loans | $25,183,000 | 7,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 6,621 |
| Cost of funding earning assets | 2.2704% | 5,290 |
| Net interest margin | 3.4740% | 5,386 |
| Noninterest income to average assets | 0.5191% | 4,470 |
| Noninterest expense to average assets | 4.8512% | 688 |
| Loan and lease loss provision to assets | -0.0350% | 8,227 |
| Net operating income to assets | -0.5347% | 6,946 |
| Return on assets (ROA) | -0.5347% | 6,828 |
| Pretax return on assets | -0.9916% | 6,995 |
| Return on Equity (ROE) | -3.8101% | 6,719 |
| Retained earnings to average equity (ytd only) | -8.0636% | 6,895 |
| Net charge-offs to loans | -0.1351% | 8,125 |
| Credit loss provision to net charge-offs | 54.5455% | 6,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8429% | 495 |
| Assets per employee ($millions) | 3.3244% | 5,153 |
| Cash dividends to net income (ytd only)* | -111.6364% | 8,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.0389% | 7,251 |
| Net loans and leases to deposits | 56.3767% | 7,290 |
| Net loans and leases to core deposits | 63.5412% | 7,461 |
| Total domestic deposits to total assets | 83.4367% | 3,591 |
| Equity capital to assets | 13.4819% | 1,601 |
| Core capital (leverage) ratio | 12.5920% | 1,709 |
| Tier 1 risk-based capital ratio | 20.3404% | 1,564 |
| Total risk-based capital ratio | 21.0602% | 1,608 |
| Memoranda: | ||
| Average total assets | $51,430,600 | 6,715 |
| Average earning assets | $48,934,800 | 6,640 |
| Average equity | $7,217,600 | 6,377 |
| Average total loans | $24,429,400 | 7,059 |