Home > The Lauderdale County Bank > Performance and Condition Ratios
The Lauderdale County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 2,287 |
| Cost of funding earning assets | 0.8730% | 3,576 |
| Net interest margin | 4.0225% | 1,173 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.6932% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0247% | 2,139 |
| Return on assets (ROA) | 1.0247% | 2,121 |
| Pretax return on assets | 1.3159% | 1,827 |
| Return on Equity (ROE) | 14.3800% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.6154% | 559 |
| Net charge-offs to loans | -0.0152% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.1771% | 2,212 |
| Assets per employee ($millions) | 3.5962% | 4,275 |
| Cash dividends to net income (ytd only)* | 12.2888% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,677 |
| Loan loss allowance to noncurrent loans | 705.8824% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 3,017 |
| Noncurrent loans to loans | 0.1872% | 2,579 |
| Net loans and leases to total assets | 41.5400% | 3,982 |
| Net loans and leases to deposits | 45.7427% | 4,056 |
| Net loans and leases to core deposits | 52.7216% | 4,011 |
| Total domestic deposits to total assets | 90.8100% | 553 |
| Equity capital to assets | 7.7180% | 3,592 |
| Core capital (leverage) ratio | 11.2098% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $63,530,000 | 4,176 |
| Average earning assets | $57,502,000 | 4,169 |
| Average equity | $4,526,200 | 4,303 |
| Average total loans | $26,387,400 | 4,194 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 2,178 |
| Cost of funding earning assets | 0.7799% | 3,577 |
| Net interest margin | 4.0630% | 1,129 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.6253% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1492% | 1,925 |
| Return on assets (ROA) | 1.1492% | 1,906 |
| Pretax return on assets | 1.3242% | 1,961 |
| Return on Equity (ROE) | 16.4800% | 1,167 |
| Retained earnings to average equity (ytd only) | 14.9699% | 558 |
| Net charge-offs to loans | -0.0357% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.4709% | 2,224 |
| Assets per employee ($millions) | 3.4122% | 4,338 |
| Cash dividends to net income (ytd only)* | 9.1743% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,660 |
| Loan loss allowance to noncurrent loans | 955.2632% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 3,202 |
| Noncurrent loans to loans | 0.1410% | 2,843 |
| Net loans and leases to total assets | 43.2900% | 3,941 |
| Net loans and leases to deposits | 48.1066% | 4,002 |
| Net loans and leases to core deposits | 55.9533% | 3,857 |
| Total domestic deposits to total assets | 89.9900% | 939 |
| Equity capital to assets | 6.9538% | 3,633 |
| Core capital (leverage) ratio | 11.3724% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $63,229,500 | 4,196 |
| Average earning assets | $57,098,750 | 4,192 |
| Average equity | $4,408,750 | 4,321 |
| Average total loans | $26,172,250 | 4,214 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,149 |
| Cost of funding earning assets | 0.6486% | 3,630 |
| Net interest margin | 4.0814% | 1,110 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.5222% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2376% | 1,723 |
| Return on assets (ROA) | 1.2376% | 1,719 |
| Pretax return on assets | 1.4131% | 1,779 |
| Return on Equity (ROE) | 17.7300% | 983 |
| Retained earnings to average equity (ytd only) | 16.1628% | 455 |
| Net charge-offs to loans | -0.0386% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.0924% | 2,475 |
| Assets per employee ($millions) | 3.5298% | 4,342 |
| Cash dividends to net income (ytd only)* | 8.8608% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,563 |
| Loan loss allowance to noncurrent loans | 1,061.7647% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,241 |
| Noncurrent loans to loans | 0.1311% | 2,821 |
| Net loans and leases to total assets | 40.2500% | 4,030 |
| Net loans and leases to deposits | 44.0320% | 4,092 |
| Net loans and leases to core deposits | 50.2841% | 4,012 |
| Total domestic deposits to total assets | 91.4200% | 521 |
| Equity capital to assets | 7.2620% | 3,656 |
| Core capital (leverage) ratio | 10.7823% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $63,832,667 | 4,211 |
| Average earning assets | $57,969,667 | 4,204 |
| Average equity | $4,454,667 | 4,345 |
| Average total loans | $25,912,333 | 4,229 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 2,083 |
| Cost of funding earning assets | 0.4477% | 3,842 |
| Net interest margin | 4.1529% | 1,017 |
| Noninterest income to average assets | -0.1700% | 4,667 |
| Noninterest expense to average assets | 2.2569% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0128% | 2,492 |
| Return on assets (ROA) | 1.0128% | 2,458 |
| Pretax return on assets | 1.3441% | 2,041 |
| Return on Equity (ROE) | 14.8100% | 1,589 |
| Retained earnings to average equity (ytd only) | 12.9829% | 1,100 |
| Net charge-offs to loans | -0.0618% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6736% | 2,614 |
| Assets per employee ($millions) | 3.7778% | 4,332 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,661 |
| Loan loss allowance to noncurrent loans | 900.0000% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,165 |
| Noncurrent loans to loans | 0.1545% | 2,716 |
| Net loans and leases to total assets | 39.7600% | 4,051 |
| Net loans and leases to deposits | 43.3710% | 4,114 |
| Net loans and leases to core deposits | 48.9383% | 4,019 |
| Total domestic deposits to total assets | 91.6800% | 595 |
| Equity capital to assets | 7.0350% | 3,812 |
| Core capital (leverage) ratio | 10.3784% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $63,981,000 | 4,265 |
| Average earning assets | $58,080,000 | 4,261 |
| Average equity | $4,375,000 | 4,412 |
| Average total loans | $25,900,000 | 4,289 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 2,272 |
| Cost of funding earning assets | 0.2360% | 3,449 |
| Net interest margin | 3.5678% | 1,736 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.5946% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6749% | 3,686 |
| Return on assets (ROA) | 0.6749% | 3,639 |
| Pretax return on assets | 0.8373% | 3,525 |
| Return on Equity (ROE) | 9.0300% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.3244% | 2,094 |
| Net charge-offs to loans | 0.0751% | 896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 27.6842% | 1,725 |
| Efficiency ratio | 75.6030% | 1,059 |
| Assets per employee ($millions) | 3.9838% | 4,290 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,124 |
| Loan loss allowance to noncurrent loans | 722.2222% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,086 |
| Noncurrent loans to loans | 0.1737% | 2,613 |
| Net loans and leases to total assets | 40.1300% | 4,065 |
| Net loans and leases to deposits | 43.6197% | 4,129 |
| Net loans and leases to core deposits | 47.9690% | 4,058 |
| Total domestic deposits to total assets | 92.0000% | 641 |
| Equity capital to assets | 6.6395% | 3,842 |
| Core capital (leverage) ratio | 10.3971% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $62,821,800 | 4,312 |
| Average earning assets | $57,206,000 | 4,296 |
| Average equity | $4,696,600 | 4,460 |
| Average total loans | $25,294,800 | 4,320 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 2,191 |
| Cost of funding earning assets | 0.2264% | 2,971 |
| Net interest margin | 3.4257% | 1,890 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.4305% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7285% | 3,485 |
| Return on assets (ROA) | 0.7285% | 3,430 |
| Pretax return on assets | 0.8776% | 3,386 |
| Return on Equity (ROE) | 9.4700% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.0894% | 1,964 |
| Net charge-offs to loans | -0.0106% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.4707% | 1,333 |
| Assets per employee ($millions) | 3.6491% | 4,446 |
| Cash dividends to net income (ytd only)* | 14.6199% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,832 |
| Loan loss allowance to noncurrent loans | 487.3239% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,824 |
| Noncurrent loans to loans | 0.2755% | 2,272 |
| Net loans and leases to total assets | 40.9800% | 4,031 |
| Net loans and leases to deposits | 44.3064% | 4,098 |
| Net loans and leases to core deposits | 49.0668% | 3,996 |
| Total domestic deposits to total assets | 92.5000% | 718 |
| Equity capital to assets | 6.1869% | 3,886 |
| Core capital (leverage) ratio | 10.4019% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $62,592,250 | 4,343 |
| Average earning assets | $57,135,000 | 4,331 |
| Average equity | $4,812,750 | 4,493 |
| Average total loans | $25,142,500 | 4,352 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 2,140 |
| Cost of funding earning assets | 0.2227% | 2,615 |
| Net interest margin | 3.2785% | 1,972 |
| Noninterest income to average assets | 0.0796% | 4,555 |
| Noninterest expense to average assets | 2.2747% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6563% | 3,454 |
| Return on assets (ROA) | 0.6563% | 3,403 |
| Pretax return on assets | 0.8060% | 3,310 |
| Return on Equity (ROE) | 8.0192% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.7346% | 2,077 |
| Net charge-offs to loans | 0.0080% | 1,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 468 |
| Efficiency ratio | 73.8366% | 1,528 |
| Assets per employee ($millions) | 3.6281% | 4,514 |
| Cash dividends to net income (ytd only)* | 16.0194% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,883 |
| Loan loss allowance to noncurrent loans | 686.0000% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,171 |
| Noncurrent loans to loans | 0.1997% | 2,711 |
| Net loans and leases to total assets | 40.0305% | 4,072 |
| Net loans and leases to deposits | 43.7525% | 4,121 |
| Net loans and leases to core deposits | 48.5383% | 4,004 |
| Total domestic deposits to total assets | 91.4929% | 1,030 |
| Equity capital to assets | 7.2100% | 3,655 |
| Core capital (leverage) ratio | 10.2246% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,778,333 | 4,390 |
| Average earning assets | $57,465,333 | 4,381 |
| Average equity | $5,137,667 | 4,511 |
| Average total loans | $24,933,667 | 4,409 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 2,121 |
| Cost of funding earning assets | 0.2200% | 2,529 |
| Net interest margin | 3.1689% | 1,974 |
| Noninterest income to average assets | -0.2400% | 4,784 |
| Noninterest expense to average assets | 1.9328% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5558% | 3,539 |
| Return on assets (ROA) | 0.5558% | 3,514 |
| Pretax return on assets | 0.7390% | 3,279 |
| Return on Equity (ROE) | 6.4198% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.1796% | 2,523 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3404% | 1,931 |
| Assets per employee ($millions) | 3.9351% | 4,428 |
| Cash dividends to net income (ytd only)* | 19.3182% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,000 |
| Loan loss allowance to noncurrent loans | 649.0566% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 3,232 |
| Noncurrent loans to loans | 0.2121% | 2,763 |
| Net loans and leases to total assets | 39.1369% | 4,067 |
| Net loans and leases to deposits | 43.1549% | 4,106 |
| Net loans and leases to core deposits | 47.8104% | 3,992 |
| Total domestic deposits to total assets | 90.6895% | 1,183 |
| Equity capital to assets | 7.9382% | 3,616 |
| Core capital (leverage) ratio | 9.7007% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,328,500 | 4,401 |
| Average earning assets | $58,190,500 | 4,401 |
| Average equity | $5,483,000 | 4,520 |
| Average total loans | $24,884,000 | 4,429 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 2,798 |
| Cost of funding earning assets | 0.2801% | 2,604 |
| Net interest margin | 3.1706% | 2,680 |
| Noninterest income to average assets | 0.5730% | 2,267 |
| Noninterest expense to average assets | 2.9367% | 1,086 |
| Loan and lease loss provision to assets | 0.0292% | 2,473 |
| Net operating income to assets | 0.4967% | 4,092 |
| Return on assets (ROA) | 0.4967% | 4,135 |
| Pretax return on assets | 0.5292% | 4,209 |
| Return on Equity (ROE) | 5.0969% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.7644% | 3,305 |
| Net charge-offs to loans | -0.0562% | 4,373 |
| Credit loss provision to net charge-offs | -128.5714% | 3,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0223% | 570 |
| Assets per employee ($millions) | 3.9810% | 4,431 |
| Cash dividends to net income (ytd only)* | 26.1438% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,959 |
| Loan loss allowance to noncurrent loans | 435.4430% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 3,065 |
| Noncurrent loans to loans | 0.3188% | 2,447 |
| Net loans and leases to total assets | 38.3682% | 4,170 |
| Net loans and leases to deposits | 43.0431% | 4,222 |
| Net loans and leases to core deposits | 47.7129% | 4,104 |
| Total domestic deposits to total assets | 89.1390% | 1,442 |
| Equity capital to assets | 9.3695% | 3,254 |
| Core capital (leverage) ratio | 9.5510% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,600,600 | 4,435 |
| Average earning assets | $56,771,000 | 4,431 |
| Average equity | $6,003,600 | 4,528 |
| Average total loans | $24,927,400 | 4,477 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 2,798 |
| Cost of funding earning assets | 0.2963% | 2,628 |
| Net interest margin | 3.2148% | 2,685 |
| Noninterest income to average assets | 0.6767% | 1,904 |
| Noninterest expense to average assets | 3.0693% | 863 |
| Loan and lease loss provision to assets | 0.0393% | 2,210 |
| Net operating income to assets | 0.4759% | 4,246 |
| Return on assets (ROA) | 0.4759% | 4,289 |
| Pretax return on assets | 0.5283% | 4,334 |
| Return on Equity (ROE) | 4.8343% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.3928% | 3,771 |
| Net charge-offs to loans | -0.0748% | 4,508 |
| Credit loss provision to net charge-offs | -128.5714% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3938% | 501 |
| Assets per employee ($millions) | 3.6170% | 4,602 |
| Cash dividends to net income (ytd only)* | 29.8165% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 2,040 |
| Loan loss allowance to noncurrent loans | 414.4578% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,213 |
| Noncurrent loans to loans | 0.3368% | 2,576 |
| Net loans and leases to total assets | 39.5176% | 4,232 |
| Net loans and leases to deposits | 44.6091% | 4,291 |
| Net loans and leases to core deposits | 49.6739% | 4,160 |
| Total domestic deposits to total assets | 88.5866% | 1,521 |
| Equity capital to assets | 9.7969% | 3,105 |
| Core capital (leverage) ratio | 9.7492% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,076,750 | 4,501 |
| Average earning assets | $56,239,000 | 4,492 |
| Average equity | $6,012,500 | 4,592 |
| Average total loans | $24,963,500 | 4,535 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 2,572 |
| Cost of funding earning assets | 0.3167% | 2,624 |
| Net interest margin | 3.2990% | 2,439 |
| Noninterest income to average assets | 0.8796% | 1,328 |
| Noninterest expense to average assets | 3.2918% | 624 |
| Loan and lease loss provision to assets | 0.0394% | 2,212 |
| Net operating income to assets | 0.4398% | 4,318 |
| Return on assets (ROA) | 0.4398% | 4,360 |
| Pretax return on assets | 0.5908% | 4,249 |
| Return on Equity (ROE) | 4.4602% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.2620% | 3,758 |
| Net charge-offs to loans | -0.0878% | 4,586 |
| Credit loss provision to net charge-offs | -109.0909% | 3,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9331% | 555 |
| Assets per employee ($millions) | 3.8530% | 4,525 |
| Cash dividends to net income (ytd only)* | 26.8657% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,250 |
| Loan loss allowance to noncurrent loans | 507.5758% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,510 |
| Noncurrent loans to loans | 0.2637% | 2,994 |
| Net loans and leases to total assets | 40.0483% | 4,286 |
| Net loans and leases to deposits | 45.1981% | 4,339 |
| Net loans and leases to core deposits | 50.6171% | 4,208 |
| Total domestic deposits to total assets | 88.6063% | 1,499 |
| Equity capital to assets | 9.7635% | 3,078 |
| Core capital (leverage) ratio | 9.5078% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,939,333 | 4,527 |
| Average earning assets | $56,199,333 | 4,517 |
| Average equity | $6,008,667 | 4,619 |
| Average total loans | $25,070,333 | 4,568 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 2,615 |
| Cost of funding earning assets | 0.3529% | 2,498 |
| Net interest margin | 3.2555% | 2,530 |
| Noninterest income to average assets | 1.5317% | 583 |
| Noninterest expense to average assets | 3.9746% | 292 |
| Loan and lease loss provision to assets | 0.0396% | 2,251 |
| Net operating income to assets | 0.3697% | 4,414 |
| Return on assets (ROA) | 0.3697% | 4,444 |
| Pretax return on assets | 0.5018% | 4,345 |
| Return on Equity (ROE) | 3.7312% | 4,337 |
| Retained earnings to average equity (ytd only) | 2.3320% | 3,945 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0117% | 444 |
| Assets per employee ($millions) | 3.8668% | 4,556 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,579 |
| Loan loss allowance to noncurrent loans | 447.8873% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 3,594 |
| Noncurrent loans to loans | 0.2829% | 3,086 |
| Net loans and leases to total assets | 40.0540% | 4,336 |
| Net loans and leases to deposits | 45.0662% | 4,392 |
| Net loans and leases to core deposits | 50.4253% | 4,277 |
| Total domestic deposits to total assets | 88.8781% | 1,402 |
| Equity capital to assets | 9.5282% | 3,166 |
| Core capital (leverage) ratio | 9.6854% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,585,000 | 4,548 |
| Average earning assets | $55,537,500 | 4,543 |
| Average equity | $6,003,500 | 4,638 |
| Average total loans | $25,093,500 | 4,593 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,325 |
| Cost of funding earning assets | 0.5505% | 2,611 |
| Net interest margin | 3.5844% | 2,196 |
| Noninterest income to average assets | 0.3872% | 3,168 |
| Noninterest expense to average assets | 3.0833% | 1,268 |
| Loan and lease loss provision to assets | 0.1369% | 2,649 |
| Net operating income to assets | 0.3980% | 4,248 |
| Return on assets (ROA) | 0.3980% | 4,329 |
| Pretax return on assets | 0.4737% | 4,316 |
| Return on Equity (ROE) | 3.6862% | 4,227 |
| Retained earnings to average equity (ytd only) | 2.4352% | 3,641 |
| Net charge-offs to loans | 0.0381% | 2,289 |
| Credit loss provision to net charge-offs | 760.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 33.9000% | 1,507 |
| Efficiency ratio | 83.4715% | 671 |
| Assets per employee ($millions) | 3.4883% | 4,656 |
| Cash dividends to net income (ytd only)* | 33.9367% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,729 |
| Loan loss allowance to noncurrent loans | 196.2264% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 2,964 |
| Noncurrent loans to loans | 0.6338% | 2,106 |
| Net loans and leases to total assets | 41.7801% | 4,365 |
| Net loans and leases to deposits | 47.4100% | 4,416 |
| Net loans and leases to core deposits | 53.0876% | 4,294 |
| Total domestic deposits to total assets | 88.1250% | 1,415 |
| Equity capital to assets | 10.3067% | 2,828 |
| Core capital (leverage) ratio | 9.8674% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,525,600 | 4,581 |
| Average earning assets | $51,222,000 | 4,567 |
| Average equity | $5,995,400 | 4,646 |
| Average total loans | $26,242,400 | 4,596 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,053 |
| Cost of funding earning assets | 0.5853% | 2,706 |
| Net interest margin | 3.7288% | 1,845 |
| Noninterest income to average assets | 0.4031% | 3,061 |
| Noninterest expense to average assets | 3.1316% | 1,182 |
| Loan and lease loss provision to assets | 0.1704% | 2,292 |
| Net operating income to assets | 0.4397% | 4,187 |
| Return on assets (ROA) | 0.4397% | 4,254 |
| Pretax return on assets | 0.5398% | 4,209 |
| Return on Equity (ROE) | 4.0225% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.6817% | 3,656 |
| Net charge-offs to loans | 0.0603% | 1,741 |
| Credit loss provision to net charge-offs | 583.3333% | 1,174 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,764 |
| Efficiency ratio | 81.5003% | 755 |
| Assets per employee ($millions) | 3.5733% | 4,624 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,291 |
| Loan loss allowance to noncurrent loans | 307.0707% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 3,558 |
| Noncurrent loans to loans | 0.3527% | 3,023 |
| Net loans and leases to total assets | 48.5605% | 4,186 |
| Net loans and leases to deposits | 55.4694% | 4,285 |
| Net loans and leases to core deposits | 62.4365% | 4,082 |
| Total domestic deposits to total assets | 87.5446% | 1,421 |
| Equity capital to assets | 10.7640% | 2,576 |
| Core capital (leverage) ratio | 10.2943% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,581,750 | 4,613 |
| Average earning assets | $50,345,500 | 4,597 |
| Average equity | $5,966,250 | 4,668 |
| Average total loans | $26,531,000 | 4,614 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 1,902 |
| Cost of funding earning assets | 0.6255% | 2,835 |
| Net interest margin | 3.8781% | 1,627 |
| Noninterest income to average assets | 0.4989% | 2,568 |
| Noninterest expense to average assets | 3.2466% | 1,080 |
| Loan and lease loss provision to assets | 0.2383% | 1,767 |
| Net operating income to assets | 0.4356% | 4,153 |
| Return on assets (ROA) | 0.4356% | 4,216 |
| Pretax return on assets | 0.5920% | 4,076 |
| Return on Equity (ROE) | 3.9636% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.2698% | 3,651 |
| Net charge-offs to loans | 0.0769% | 1,480 |
| Credit loss provision to net charge-offs | 640.0000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 1,634 |
| Efficiency ratio | 79.6347% | 919 |
| Assets per employee ($millions) | 3.2961% | 4,743 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,122 |
| Loan loss allowance to noncurrent loans | 124.4813% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 2,587 |
| Noncurrent loans to loans | 0.8761% | 1,740 |
| Net loans and leases to total assets | 48.5589% | 4,230 |
| Net loans and leases to deposits | 55.5297% | 4,309 |
| Net loans and leases to core deposits | 62.6661% | 4,145 |
| Total domestic deposits to total assets | 87.4467% | 1,435 |
| Equity capital to assets | 10.8329% | 2,475 |
| Core capital (leverage) ratio | 10.2338% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,718,333 | 4,641 |
| Average earning assets | $49,560,000 | 4,629 |
| Average equity | $5,903,667 | 4,698 |
| Average total loans | $26,019,000 | 4,647 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,918 |
| Cost of funding earning assets | 0.6604% | 3,112 |
| Net interest margin | 3.6407% | 2,537 |
| Noninterest income to average assets | 0.7839% | 1,356 |
| Noninterest expense to average assets | 3.5159% | 912 |
| Loan and lease loss provision to assets | 0.0457% | 3,206 |
| Net operating income to assets | 0.4262% | 4,075 |
| Return on assets (ROA) | 0.4262% | 4,117 |
| Pretax return on assets | 0.5784% | 3,957 |
| Return on Equity (ROE) | 3.8485% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.1304% | 3,393 |
| Net charge-offs to loans | -0.0158% | 4,241 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9265% | 771 |
| Assets per employee ($millions) | 3.1447% | 4,728 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,645 |
| Loan loss allowance to noncurrent loans | 85.7627% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,337 |
| Noncurrent loans to loans | 1.1786% | 1,399 |
| Net loans and leases to total assets | 46.3449% | 4,410 |
| Net loans and leases to deposits | 53.1161% | 4,483 |
| Net loans and leases to core deposits | 60.3263% | 4,341 |
| Total domestic deposits to total assets | 87.2522% | 1,447 |
| Equity capital to assets | 11.0587% | 2,810 |
| Core capital (leverage) ratio | 10.8950% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,561,000 | 4,674 |
| Average earning assets | $48,452,000 | 4,667 |
| Average equity | $5,820,500 | 4,748 |
| Average total loans | $25,274,000 | 4,690 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,798 |
| Cost of funding earning assets | 0.6282% | 3,516 |
| Net interest margin | 3.9158% | 2,116 |
| Noninterest income to average assets | 0.5054% | 2,702 |
| Noninterest expense to average assets | 3.3310% | 1,241 |
| Loan and lease loss provision to assets | 0.1083% | 1,918 |
| Net operating income to assets | 0.5234% | 4,350 |
| Return on assets (ROA) | 0.5234% | 4,400 |
| Pretax return on assets | 0.6538% | 4,316 |
| Return on Equity (ROE) | 4.7007% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.4940% | 3,260 |
| Net charge-offs to loans | 0.3510% | 572 |
| Credit loss provision to net charge-offs | 62.0690% | 3,016 |
| Earnings coverage of net charge-offs (x) | 4.3678% | 3,221 |
| Efficiency ratio | 81.3817% | 841 |
| Assets per employee ($millions) | 3.2289% | 4,684 |
| Cash dividends to net income (ytd only)* | 25.6705% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,677 |
| Loan loss allowance to noncurrent loans | 88.4892% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 2,282 |
| Noncurrent loans to loans | 1.0894% | 1,388 |
| Net loans and leases to total assets | 48.9199% | 4,374 |
| Net loans and leases to deposits | 55.9645% | 4,457 |
| Net loans and leases to core deposits | 64.4999% | 4,259 |
| Total domestic deposits to total assets | 87.4124% | 1,402 |
| Equity capital to assets | 11.0894% | 2,914 |
| Core capital (leverage) ratio | 11.0666% | 2,444 |
| Tier 1 risk-based capital ratio | 20.2606% | 1,287 |
| Total risk-based capital ratio | 21.1412% | 1,308 |
| Memoranda: | ||
| Average total assets | $49,864,600 | 4,752 |
| Average earning assets | $45,686,800 | 4,755 |
| Average equity | $5,552,400 | 4,823 |
| Average total loans | $24,783,400 | 4,756 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 2,858 |
| Cost of funding earning assets | 0.6127% | 3,630 |
| Net interest margin | 3.9474% | 2,110 |
| Noninterest income to average assets | 0.5153% | 2,632 |
| Noninterest expense to average assets | 3.3673% | 1,146 |
| Loan and lease loss provision to assets | 0.1295% | 1,493 |
| Net operating income to assets | 0.4668% | 4,590 |
| Return on assets (ROA) | 0.4668% | 4,626 |
| Pretax return on assets | 0.6341% | 4,482 |
| Return on Equity (ROE) | 4.1875% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.9530% | 3,905 |
| Net charge-offs to loans | 0.4661% | 363 |
| Credit loss provision to net charge-offs | 55.8140% | 2,741 |
| Earnings coverage of net charge-offs (x) | 3.2908% | 3,116 |
| Efficiency ratio | 81.5153% | 792 |
| Assets per employee ($millions) | 2.9571% | 4,912 |
| Cash dividends to net income (ytd only)* | 29.4806% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,720 |
| Loan loss allowance to noncurrent loans | 94.5098% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 2,494 |
| Noncurrent loans to loans | 1.0292% | 1,562 |
| Net loans and leases to total assets | 48.8075% | 4,488 |
| Net loans and leases to deposits | 56.0272% | 4,547 |
| Net loans and leases to core deposits | 64.8689% | 4,334 |
| Total domestic deposits to total assets | 87.1138% | 1,460 |
| Equity capital to assets | 11.3385% | 2,808 |
| Core capital (leverage) ratio | 11.3726% | 2,323 |
| Tier 1 risk-based capital ratio | 20.5012% | 1,285 |
| Total risk-based capital ratio | 21.3856% | 1,313 |
| Memoranda: | ||
| Average total assets | $49,415,250 | 4,825 |
| Average earning assets | $45,260,500 | 4,830 |
| Average equity | $5,508,250 | 4,890 |
| Average total loans | $24,599,500 | 4,830 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 2,801 |
| Cost of funding earning assets | 0.5856% | 3,722 |
| Net interest margin | 3.9752% | 2,001 |
| Noninterest income to average assets | 0.5781% | 2,254 |
| Noninterest expense to average assets | 3.4154% | 1,078 |
| Loan and lease loss provision to assets | 0.1710% | 1,066 |
| Net operating income to assets | 0.4722% | 4,592 |
| Return on assets (ROA) | 0.4722% | 4,621 |
| Pretax return on assets | 0.6391% | 4,471 |
| Return on Equity (ROE) | 4.2613% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.9388% | 3,745 |
| Net charge-offs to loans | 0.7335% | 197 |
| Credit loss provision to net charge-offs | 46.6667% | 2,494 |
| Earnings coverage of net charge-offs (x) | 2.2111% | 2,963 |
| Efficiency ratio | 80.8285% | 896 |
| Assets per employee ($millions) | 2.6896% | 5,062 |
| Cash dividends to net income (ytd only)* | 31.0345% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,889 |
| Loan loss allowance to noncurrent loans | 101.3158% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 2,649 |
| Noncurrent loans to loans | 0.9338% | 1,752 |
| Net loans and leases to total assets | 49.9566% | 4,471 |
| Net loans and leases to deposits | 57.4698% | 4,540 |
| Net loans and leases to core deposits | 66.2657% | 4,305 |
| Total domestic deposits to total assets | 86.9268% | 1,630 |
| Equity capital to assets | 11.5632% | 2,566 |
| Core capital (leverage) ratio | 11.2958% | 2,335 |
| Tier 1 risk-based capital ratio | 20.7366% | 1,212 |
| Total risk-based capital ratio | 21.6003% | 1,249 |
| Memoranda: | ||
| Average total assets | $49,130,000 | 4,866 |
| Average earning assets | $45,079,670 | 4,872 |
| Average equity | $5,444,330 | 4,929 |
| Average total loans | $24,540,330 | 4,869 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,776 |
| Cost of funding earning assets | 0.5385% | 3,876 |
| Net interest margin | 3.9904% | 1,872 |
| Noninterest income to average assets | 0.7598% | 1,400 |
| Noninterest expense to average assets | 3.4836% | 988 |
| Loan and lease loss provision to assets | 0.2910% | 452 |
| Net operating income to assets | 0.5981% | 4,251 |
| Return on assets (ROA) | 0.5981% | 4,285 |
| Pretax return on assets | 0.6385% | 4,444 |
| Return on Equity (ROE) | 5.5147% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.3968% | 3,171 |
| Net charge-offs to loans | 1.1706% | 107 |
| Credit loss provision to net charge-offs | 50.0000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 1.5972% | 2,576 |
| Efficiency ratio | 78.9377% | 1,166 |
| Assets per employee ($millions) | 2.8723% | 5,041 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,815 |
| Loan loss allowance to noncurrent loans | 78.8961% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 2,197 |
| Noncurrent loans to loans | 1.2452% | 1,323 |
| Net loans and leases to total assets | 50.1567% | 4,457 |
| Net loans and leases to deposits | 57.3640% | 4,532 |
| Net loans and leases to core deposits | 65.1114% | 4,323 |
| Total domestic deposits to total assets | 87.4357% | 1,598 |
| Equity capital to assets | 11.2024% | 2,649 |
| Core capital (leverage) ratio | 11.3064% | 2,280 |
| Tier 1 risk-based capital ratio | 20.4994% | 1,246 |
| Total risk-based capital ratio | 21.4010% | 1,281 |
| Memoranda: | ||
| Average total assets | $49,489,000 | 4,910 |
| Average earning assets | $45,309,000 | 4,912 |
| Average equity | $5,367,500 | 4,985 |
| Average total loans | $24,602,500 | 4,916 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,736 |
| Cost of funding earning assets | 0.4203% | 3,859 |
| Net interest margin | 3.9879% | 2,026 |
| Noninterest income to average assets | 0.5314% | 2,649 |
| Noninterest expense to average assets | 3.3175% | 1,282 |
| Loan and lease loss provision to assets | 0.1606% | 1,276 |
| Net operating income to assets | 0.5850% | 4,463 |
| Return on assets (ROA) | 0.5850% | 4,468 |
| Pretax return on assets | 0.7218% | 4,356 |
| Return on Equity (ROE) | 5.7124% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.3569% | 3,146 |
| Net charge-offs to loans | 0.3948% | 473 |
| Credit loss provision to net charge-offs | 83.5052% | 2,812 |
| Earnings coverage of net charge-offs (x) | 4.5876% | 3,280 |
| Efficiency ratio | 78.9896% | 1,039 |
| Assets per employee ($millions) | 2.7861% | 5,098 |
| Cash dividends to net income (ytd only)* | 23.7288% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,876 |
| Loan loss allowance to noncurrent loans | 49.4681% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1246% | 1,183 |
| Noncurrent loans to loans | 2.3048% | 548 |
| Net loans and leases to total assets | 48.2402% | 4,620 |
| Net loans and leases to deposits | 54.6774% | 4,720 |
| Net loans and leases to core deposits | 61.1403% | 4,580 |
| Total domestic deposits to total assets | 88.2271% | 1,196 |
| Equity capital to assets | 10.4987% | 3,191 |
| Core capital (leverage) ratio | 11.1544% | 2,394 |
| Tier 1 risk-based capital ratio | 19.9075% | 1,322 |
| Total risk-based capital ratio | 20.9236% | 1,336 |
| Memoranda: | ||
| Average total assets | $50,429,000 | 4,923 |
| Average earning assets | $46,390,600 | 4,926 |
| Average equity | $5,164,200 | 5,027 |
| Average total loans | $24,567,200 | 4,954 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 2,627 |
| Cost of funding earning assets | 0.3979% | 3,872 |
| Net interest margin | 4.0016% | 1,949 |
| Noninterest income to average assets | 0.4884% | 2,928 |
| Noninterest expense to average assets | 3.3214% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6257% | 4,433 |
| Return on assets (ROA) | 0.6257% | 4,446 |
| Pretax return on assets | 0.8581% | 4,147 |
| Return on Equity (ROE) | 6.1489% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.7219% | 3,383 |
| Net charge-offs to loans | 0.0976% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 18.0550% | 2,072 |
| Efficiency ratio | 79.4694% | 993 |
| Assets per employee ($millions) | 2.7122% | 5,206 |
| Cash dividends to net income (ytd only)* | 23.2064% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,097 |
| Loan loss allowance to noncurrent loans | 56.5306% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 1,450 |
| Noncurrent loans to loans | 1.9748% | 754 |
| Net loans and leases to total assets | 50.2581% | 4,574 |
| Net loans and leases to deposits | 57.0300% | 4,698 |
| Net loans and leases to core deposits | 63.9808% | 4,515 |
| Total domestic deposits to total assets | 88.1258% | 1,191 |
| Equity capital to assets | 10.5059% | 3,135 |
| Core capital (leverage) ratio | 11.1995% | 2,415 |
| Tier 1 risk-based capital ratio | 19.9720% | 1,339 |
| Total risk-based capital ratio | 20.9922% | 1,357 |
| Memoranda: | ||
| Average total assets | $50,499,000 | 4,981 |
| Average earning assets | $46,580,000 | 4,973 |
| Average equity | $5,139,000 | 5,091 |
| Average total loans | $24,591,250 | 5,008 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,477 |
| Cost of funding earning assets | 0.3808% | 3,863 |
| Net interest margin | 4.0027% | 1,853 |
| Noninterest income to average assets | 0.5092% | 2,810 |
| Noninterest expense to average assets | 3.3256% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6581% | 4,327 |
| Return on assets (ROA) | 0.6581% | 4,330 |
| Pretax return on assets | 0.8892% | 3,992 |
| Return on Equity (ROE) | 6.5340% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.1339% | 3,011 |
| Net charge-offs to loans | 0.0408% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 45.4000% | 1,203 |
| Efficiency ratio | 78.9033% | 1,124 |
| Assets per employee ($millions) | 3.1022% | 5,017 |
| Cash dividends to net income (ytd only)* | 21.4286% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,782 |
| Loan loss allowance to noncurrent loans | 56.5302% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 1,451 |
| Noncurrent loans to loans | 2.1059% | 680 |
| Net loans and leases to total assets | 48.4940% | 4,694 |
| Net loans and leases to deposits | 54.8879% | 4,806 |
| Net loans and leases to core deposits | 60.9877% | 4,655 |
| Total domestic deposits to total assets | 88.3510% | 1,198 |
| Equity capital to assets | 10.3395% | 3,296 |
| Core capital (leverage) ratio | 10.8296% | 2,672 |
| Tier 1 risk-based capital ratio | 19.6921% | 1,381 |
| Total risk-based capital ratio | 20.7550% | 1,389 |
| Memoranda: | ||
| Average total assets | $51,058,670 | 5,029 |
| Average earning assets | $47,268,330 | 5,019 |
| Average equity | $5,142,330 | 5,142 |
| Average total loans | $24,517,330 | 5,070 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 2,088 |
| Cost of funding earning assets | 0.3839% | 3,705 |
| Net interest margin | 4.0472% | 1,573 |
| Noninterest income to average assets | 0.6181% | 2,178 |
| Noninterest expense to average assets | 3.3378% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9890% | 2,893 |
| Return on assets (ROA) | 0.9890% | 2,923 |
| Pretax return on assets | 1.0276% | 3,437 |
| Return on Equity (ROE) | 9.9466% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.3147% | 1,722 |
| Net charge-offs to loans | 0.0813% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,318 |
| Efficiency ratio | 76.4602% | 1,532 |
| Assets per employee ($millions) | 3.1544% | 5,041 |
| Cash dividends to net income (ytd only)* | 16.4063% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,934 |
| Loan loss allowance to noncurrent loans | 61.5711% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 1,695 |
| Noncurrent loans to loans | 1.9170% | 853 |
| Net loans and leases to total assets | 48.1078% | 4,690 |
| Net loans and leases to deposits | 54.3578% | 4,777 |
| Net loans and leases to core deposits | 61.0480% | 4,612 |
| Total domestic deposits to total assets | 88.5021% | 1,353 |
| Equity capital to assets | 10.1664% | 3,431 |
| Core capital (leverage) ratio | 10.6501% | 2,795 |
| Tier 1 risk-based capital ratio | 19.2882% | 1,477 |
| Total risk-based capital ratio | 20.3339% | 1,493 |
| Memoranda: | ||
| Average total assets | $51,770,500 | 5,082 |
| Average earning assets | $47,934,500 | 5,063 |
| Average equity | $5,147,500 | 5,195 |
| Average total loans | $24,596,000 | 5,124 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 2,894 |
| Cost of funding earning assets | 0.4147% | 3,100 |
| Net interest margin | 3.7327% | 2,666 |
| Noninterest income to average assets | 0.6085% | 2,411 |
| Noninterest expense to average assets | 3.3149% | 1,349 |
| Loan and lease loss provision to assets | 0.0159% | 3,973 |
| Net operating income to assets | 0.5628% | 4,178 |
| Return on assets (ROA) | 0.5628% | 4,211 |
| Pretax return on assets | 0.7318% | 4,436 |
| Return on Equity (ROE) | 5.5330% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.2426% | 2,615 |
| Net charge-offs to loans | 0.0335% | 3,119 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,139 |
| Efficiency ratio | 81.5957% | 955 |
| Assets per employee ($millions) | 3.1218% | 5,109 |
| Cash dividends to net income (ytd only)* | 23.3216% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,795 |
| Loan loss allowance to noncurrent loans | 65.8482% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 1,847 |
| Noncurrent loans to loans | 1.8195% | 881 |
| Net loans and leases to total assets | 45.8386% | 4,903 |
| Net loans and leases to deposits | 51.4672% | 5,010 |
| Net loans and leases to core deposits | 57.4102% | 4,878 |
| Total domestic deposits to total assets | 89.0637% | 976 |
| Equity capital to assets | 9.7304% | 3,991 |
| Core capital (leverage) ratio | 10.2379% | 3,142 |
| Tier 1 risk-based capital ratio | 18.9281% | 1,513 |
| Total risk-based capital ratio | 19.9935% | 1,532 |
| Memoranda: | ||
| Average total assets | $50,288,000 | 5,151 |
| Average earning assets | $46,534,600 | 5,136 |
| Average equity | $5,114,800 | 5,255 |
| Average total loans | $23,867,600 | 5,197 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 2,819 |
| Cost of funding earning assets | 0.4185% | 2,998 |
| Net interest margin | 3.7259% | 2,673 |
| Noninterest income to average assets | 0.5861% | 2,560 |
| Noninterest expense to average assets | 3.3418% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5216% | 4,675 |
| Return on assets (ROA) | 0.5216% | 4,703 |
| Pretax return on assets | 0.6910% | 4,629 |
| Return on Equity (ROE) | 5.0693% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,701 |
| Net charge-offs to loans | 0.0338% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 42.8325% | 1,238 |
| Efficiency ratio | 82.8667% | 852 |
| Assets per employee ($millions) | 2.9536% | 5,297 |
| Cash dividends to net income (ytd only)* | 26.2893% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,127 |
| Loan loss allowance to noncurrent loans | 60.7143% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 1,795 |
| Noncurrent loans to loans | 1.9168% | 905 |
| Net loans and leases to total assets | 48.8807% | 4,775 |
| Net loans and leases to deposits | 55.4028% | 4,901 |
| Net loans and leases to core deposits | 62.2770% | 4,698 |
| Total domestic deposits to total assets | 88.2279% | 1,240 |
| Equity capital to assets | 10.3780% | 3,507 |
| Core capital (leverage) ratio | 10.4538% | 3,038 |
| Tier 1 risk-based capital ratio | 18.9434% | 1,597 |
| Total risk-based capital ratio | 20.0029% | 1,605 |
| Memoranda: | ||
| Average total assets | $49,592,250 | 5,223 |
| Average earning assets | $45,876,250 | 5,207 |
| Average equity | $5,102,500 | 5,315 |
| Average total loans | $23,679,000 | 5,255 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,865 |
| Cost of funding earning assets | 0.4202% | 2,893 |
| Net interest margin | 3.6677% | 2,761 |
| Noninterest income to average assets | 0.6399% | 2,256 |
| Noninterest expense to average assets | 3.3613% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5913% | 4,348 |
| Return on assets (ROA) | 0.5913% | 4,397 |
| Pretax return on assets | 0.6723% | 4,619 |
| Return on Equity (ROE) | 5.7635% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.3424% | 3,119 |
| Net charge-offs to loans | 0.0601% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,668 |
| Efficiency ratio | 83.3333% | 891 |
| Assets per employee ($millions) | 2.9573% | 5,313 |
| Cash dividends to net income (ytd only)* | 24.6575% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,885 |
| Loan loss allowance to noncurrent loans | 113.8340% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 3,083 |
| Noncurrent loans to loans | 1.0735% | 1,825 |
| Net loans and leases to total assets | 46.3062% | 4,935 |
| Net loans and leases to deposits | 52.4643% | 5,041 |
| Net loans and leases to core deposits | 58.9591% | 4,877 |
| Total domestic deposits to total assets | 88.2623% | 1,324 |
| Equity capital to assets | 10.3374% | 3,529 |
| Core capital (leverage) ratio | 10.2371% | 3,224 |
| Tier 1 risk-based capital ratio | 19.6344% | 1,440 |
| Total risk-based capital ratio | 20.7358% | 1,432 |
| Memoranda: | ||
| Average total assets | $49,385,670 | 5,262 |
| Average earning assets | $45,695,670 | 5,247 |
| Average equity | $5,066,330 | 5,353 |
| Average total loans | $23,294,330 | 5,307 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 2,625 |
| Cost of funding earning assets | 0.4241% | 2,777 |
| Net interest margin | 3.6839% | 2,546 |
| Noninterest income to average assets | 0.7519% | 1,739 |
| Noninterest expense to average assets | 3.4245% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6947% | 3,735 |
| Return on assets (ROA) | 0.6947% | 3,772 |
| Pretax return on assets | 0.7356% | 4,328 |
| Return on Equity (ROE) | 6.7986% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.1190% | 2,821 |
| Net charge-offs to loans | 0.0864% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,579 |
| Efficiency ratio | 82.3183% | 1,131 |
| Assets per employee ($millions) | 2.8636% | 5,451 |
| Cash dividends to net income (ytd only)* | 24.7059% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,842 |
| Loan loss allowance to noncurrent loans | 107.0111% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 3,008 |
| Noncurrent loans to loans | 1.1663% | 1,743 |
| Net loans and leases to total assets | 47.1345% | 4,883 |
| Net loans and leases to deposits | 53.4324% | 4,971 |
| Net loans and leases to core deposits | 60.2906% | 4,759 |
| Total domestic deposits to total assets | 88.2133% | 1,587 |
| Equity capital to assets | 10.4227% | 3,265 |
| Core capital (leverage) ratio | 10.3670% | 3,035 |
| Tier 1 risk-based capital ratio | 20.1346% | 1,363 |
| Total risk-based capital ratio | 21.2824% | 1,350 |
| Memoranda: | ||
| Average total assets | $48,941,500 | 5,334 |
| Average earning assets | $45,277,500 | 5,306 |
| Average equity | $5,001,000 | 5,417 |
| Average total loans | $23,157,500 | 5,367 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,277 |
| Cost of funding earning assets | 0.4232% | 2,777 |
| Net interest margin | 3.5547% | 3,234 |
| Noninterest income to average assets | 0.6401% | 2,458 |
| Noninterest expense to average assets | 3.2065% | 1,773 |
| Loan and lease loss provision to assets | 0.0175% | 4,030 |
| Net operating income to assets | 0.5141% | 4,575 |
| Return on assets (ROA) | 0.5141% | 4,658 |
| Pretax return on assets | 0.7236% | 4,413 |
| Return on Equity (ROE) | 5.2349% | 4,310 |
| Retained earnings to average equity (ytd only) | 4.5237% | 2,684 |
| Net charge-offs to loans | 0.1634% | 1,646 |
| Credit loss provision to net charge-offs | 23.6842% | 3,647 |
| Earnings coverage of net charge-offs (x) | 10.0526% | 2,688 |
| Efficiency ratio | 81.2285% | 1,282 |
| Assets per employee ($millions) | 2.8942% | 5,429 |
| Cash dividends to net income (ytd only)* | 13.5849% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,663 |
| Loan loss allowance to noncurrent loans | 73.7500% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 2,319 |
| Noncurrent loans to loans | 1.7332% | 1,108 |
| Net loans and leases to total assets | 46.3080% | 4,998 |
| Net loans and leases to deposits | 52.1958% | 5,109 |
| Net loans and leases to core deposits | 57.9082% | 4,971 |
| Total domestic deposits to total assets | 88.7197% | 1,255 |
| Equity capital to assets | 10.0161% | 3,706 |
| Core capital (leverage) ratio | 10.0637% | 3,409 |
| Tier 1 risk-based capital ratio | 19.6765% | 1,441 |
| Total risk-based capital ratio | 20.8319% | 1,418 |
| Memoranda: | ||
| Average total assets | $51,550,800 | 5,317 |
| Average earning assets | $47,965,200 | 5,289 |
| Average equity | $5,062,200 | 5,457 |
| Average total loans | $23,257,600 | 5,409 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,458 |
| Cost of funding earning assets | 0.4197% | 2,843 |
| Net interest margin | 3.5195% | 3,398 |
| Noninterest income to average assets | 0.5549% | 2,891 |
| Noninterest expense to average assets | 3.0815% | 2,076 |
| Loan and lease loss provision to assets | 0.0230% | 3,785 |
| Net operating income to assets | 0.5396% | 4,538 |
| Return on assets (ROA) | 0.5396% | 4,644 |
| Pretax return on assets | 0.7314% | 4,525 |
| Return on Equity (ROE) | 5.5209% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.5789% | 3,093 |
| Net charge-offs to loans | 0.0400% | 2,833 |
| Credit loss provision to net charge-offs | 128.5714% | 1,989 |
| Earnings coverage of net charge-offs (x) | 42.1565% | 1,197 |
| Efficiency ratio | 80.3333% | 1,401 |
| Assets per employee ($millions) | 2.9682% | 5,412 |
| Cash dividends to net income (ytd only)* | 17.0618% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,330 |
| Loan loss allowance to noncurrent loans | 57.6991% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 1,810 |
| Noncurrent loans to loans | 2.3789% | 764 |
| Net loans and leases to total assets | 46.4209% | 5,071 |
| Net loans and leases to deposits | 52.7140% | 5,173 |
| Net loans and leases to core deposits | 58.3688% | 5,028 |
| Total domestic deposits to total assets | 88.0618% | 1,370 |
| Equity capital to assets | 10.3746% | 3,715 |
| Core capital (leverage) ratio | 9.8002% | 3,808 |
| Tier 1 risk-based capital ratio | 18.7474% | 1,721 |
| Total risk-based capital ratio | 19.9774% | 1,695 |
| Memoranda: | ||
| Average total assets | $52,138,250 | 5,359 |
| Average earning assets | $48,603,750 | 5,328 |
| Average equity | $5,095,750 | 5,510 |
| Average total loans | $23,302,250 | 5,465 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 3,567 |
| Cost of funding earning assets | 0.4193% | 2,840 |
| Net interest margin | 3.4930% | 3,509 |
| Noninterest income to average assets | 0.4706% | 3,405 |
| Noninterest expense to average assets | 3.0058% | 2,323 |
| Loan and lease loss provision to assets | 0.0342% | 3,468 |
| Net operating income to assets | 0.5048% | 4,658 |
| Return on assets (ROA) | 0.5048% | 4,769 |
| Pretax return on assets | 0.6869% | 4,661 |
| Return on Equity (ROE) | 5.2680% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.8421% | 3,446 |
| Net charge-offs to loans | 0.0173% | 3,165 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 608 |
| Efficiency ratio | 80.6517% | 1,419 |
| Assets per employee ($millions) | 2.9237% | 5,509 |
| Cash dividends to net income (ytd only)* | 27.0677% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 2,247 |
| Loan loss allowance to noncurrent loans | 140.2542% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 3,721 |
| Noncurrent loans to loans | 1.0053% | 2,281 |
| Net loans and leases to total assets | 43.9793% | 5,233 |
| Net loans and leases to deposits | 49.6099% | 5,354 |
| Net loans and leases to core deposits | 55.1439% | 5,215 |
| Total domestic deposits to total assets | 88.6503% | 1,086 |
| Equity capital to assets | 9.8334% | 4,407 |
| Core capital (leverage) ratio | 9.3146% | 4,443 |
| Tier 1 risk-based capital ratio | 18.4643% | 1,808 |
| Total risk-based capital ratio | 19.7138% | 1,771 |
| Memoranda: | ||
| Average total assets | $52,697,670 | 5,406 |
| Average earning assets | $49,126,330 | 5,374 |
| Average equity | $5,049,330 | 5,577 |
| Average total loans | $23,153,000 | 5,534 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,272 |
| Cost of funding earning assets | 0.4238% | 2,828 |
| Net interest margin | 3.5612% | 3,237 |
| Noninterest income to average assets | 0.3413% | 4,285 |
| Noninterest expense to average assets | 2.9052% | 2,690 |
| Loan and lease loss provision to assets | 0.0683% | 2,588 |
| Net operating income to assets | 0.6372% | 4,033 |
| Return on assets (ROA) | 0.6372% | 4,152 |
| Pretax return on assets | 0.6827% | 4,579 |
| Return on Equity (ROE) | 6.7382% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.0536% | 2,905 |
| Net charge-offs to loans | -0.0174% | 4,786 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4606% | 1,672 |
| Assets per employee ($millions) | 3.1404% | 5,355 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 2,227 |
| Loan loss allowance to noncurrent loans | 141.5254% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 3,819 |
| Noncurrent loans to loans | 1.0206% | 2,346 |
| Net loans and leases to total assets | 42.6891% | 5,316 |
| Net loans and leases to deposits | 47.9003% | 5,421 |
| Net loans and leases to core deposits | 53.1260% | 5,305 |
| Total domestic deposits to total assets | 89.1207% | 1,041 |
| Equity capital to assets | 9.4688% | 4,695 |
| Core capital (leverage) ratio | 9.2574% | 4,543 |
| Tier 1 risk-based capital ratio | 18.5779% | 1,832 |
| Total risk-based capital ratio | 19.8286% | 1,786 |
| Memoranda: | ||
| Average total assets | $52,733,000 | 5,456 |
| Average earning assets | $49,084,500 | 5,422 |
| Average equity | $4,986,500 | 5,626 |
| Average total loans | $22,991,500 | 5,585 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 2,978 |
| Cost of funding earning assets | 0.4428% | 2,709 |
| Net interest margin | 3.6421% | 2,970 |
| Noninterest income to average assets | 0.4847% | 3,434 |
| Noninterest expense to average assets | 3.1093% | 2,206 |
| Loan and lease loss provision to assets | 0.0695% | 2,893 |
| Net operating income to assets | 0.5041% | 4,674 |
| Return on assets (ROA) | 0.5041% | 4,766 |
| Pretax return on assets | 0.6895% | 4,556 |
| Return on Equity (ROE) | 5.3479% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.7087% | 3,412 |
| Net charge-offs to loans | 0.2000% | 1,462 |
| Credit loss provision to net charge-offs | 76.5957% | 3,013 |
| Earnings coverage of net charge-offs (x) | 8.3617% | 2,962 |
| Efficiency ratio | 80.3794% | 1,626 |
| Assets per employee ($millions) | 3.0635% | 5,462 |
| Cash dividends to net income (ytd only)* | 30.6513% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,338 |
| Loan loss allowance to noncurrent loans | 114.8936% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 3,480 |
| Noncurrent loans to loans | 1.2336% | 1,913 |
| Net loans and leases to total assets | 43.2700% | 5,325 |
| Net loans and leases to deposits | 48.5490% | 5,460 |
| Net loans and leases to core deposits | 53.6675% | 5,336 |
| Total domestic deposits to total assets | 89.1263% | 1,056 |
| Equity capital to assets | 9.4432% | 4,621 |
| Core capital (leverage) ratio | 9.2083% | 4,603 |
| Tier 1 risk-based capital ratio | 18.4491% | 1,845 |
| Total risk-based capital ratio | 19.6960% | 1,791 |
| Memoranda: | ||
| Average total assets | $51,780,000 | 5,508 |
| Average earning assets | $48,103,800 | 5,478 |
| Average equity | $4,880,400 | 5,681 |
| Average total loans | $23,496,600 | 5,606 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,944 |
| Cost of funding earning assets | 0.4492% | 2,695 |
| Net interest margin | 3.6494% | 2,961 |
| Noninterest income to average assets | 0.4384% | 3,813 |
| Noninterest expense to average assets | 3.0789% | 2,275 |
| Loan and lease loss provision to assets | 0.0696% | 2,783 |
| Net operating income to assets | 0.6318% | 4,231 |
| Return on assets (ROA) | 0.6318% | 4,341 |
| Pretax return on assets | 0.6834% | 4,738 |
| Return on Equity (ROE) | 6.7062% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.0638% | 2,866 |
| Net charge-offs to loans | 0.2254% | 1,158 |
| Credit loss provision to net charge-offs | 67.5000% | 2,811 |
| Earnings coverage of net charge-offs (x) | 7.3002% | 2,933 |
| Efficiency ratio | 80.3499% | 1,610 |
| Assets per employee ($millions) | 2.8631% | 5,698 |
| Cash dividends to net income (ytd only)* | 24.4903% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,835 |
| Loan loss allowance to noncurrent loans | 68.3652% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 2,578 |
| Noncurrent loans to loans | 1.9779% | 1,175 |
| Net loans and leases to total assets | 45.5817% | 5,257 |
| Net loans and leases to deposits | 51.3521% | 5,401 |
| Net loans and leases to core deposits | 56.8514% | 5,257 |
| Total domestic deposits to total assets | 88.7632% | 1,146 |
| Equity capital to assets | 9.6961% | 4,525 |
| Core capital (leverage) ratio | 9.3961% | 4,447 |
| Tier 1 risk-based capital ratio | 17.9801% | 2,029 |
| Total risk-based capital ratio | 19.1868% | 2,009 |
| Memoranda: | ||
| Average total assets | $51,705,000 | 5,582 |
| Average earning assets | $48,080,000 | 5,548 |
| Average equity | $4,871,000 | 5,760 |
| Average total loans | $23,656,000 | 5,667 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 2,856 |
| Cost of funding earning assets | 0.4530% | 2,691 |
| Net interest margin | 3.6572% | 2,884 |
| Noninterest income to average assets | 0.4173% | 3,946 |
| Noninterest expense to average assets | 3.0834% | 2,291 |
| Loan and lease loss provision to assets | 0.0695% | 2,720 |
| Net operating income to assets | 0.6105% | 4,288 |
| Return on assets (ROA) | 0.6105% | 4,408 |
| Pretax return on assets | 0.6646% | 4,776 |
| Return on Equity (ROE) | 6.5438% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.6801% | 3,064 |
| Net charge-offs to loans | 0.3305% | 798 |
| Credit loss provision to net charge-offs | 46.1538% | 2,743 |
| Earnings coverage of net charge-offs (x) | 4.8718% | 2,985 |
| Efficiency ratio | 80.7692% | 1,651 |
| Assets per employee ($millions) | 2.8548% | 5,762 |
| Cash dividends to net income (ytd only)* | 28.4810% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 3,151 |
| Loan loss allowance to noncurrent loans | 86.2637% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 3,274 |
| Noncurrent loans to loans | 1.5261% | 1,740 |
| Net loans and leases to total assets | 45.8054% | 5,263 |
| Net loans and leases to deposits | 51.3997% | 5,423 |
| Net loans and leases to core deposits | 56.8949% | 5,262 |
| Total domestic deposits to total assets | 89.1159% | 1,085 |
| Equity capital to assets | 9.4440% | 4,721 |
| Core capital (leverage) ratio | 9.2170% | 4,667 |
| Tier 1 risk-based capital ratio | 17.6851% | 2,163 |
| Total risk-based capital ratio | 18.8602% | 2,134 |
| Memoranda: | ||
| Average total assets | $51,761,330 | 5,640 |
| Average earning assets | $48,124,000 | 5,604 |
| Average equity | $4,829,000 | 5,825 |
| Average total loans | $23,603,670 | 5,723 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 3,196 |
| Cost of funding earning assets | 0.4631% | 2,645 |
| Net interest margin | 3.5477% | 3,232 |
| Noninterest income to average assets | 0.4158% | 3,877 |
| Noninterest expense to average assets | 3.0492% | 2,428 |
| Loan and lease loss provision to assets | 0.0693% | 2,557 |
| Net operating income to assets | 0.5390% | 4,516 |
| Return on assets (ROA) | 0.5390% | 4,632 |
| Pretax return on assets | 0.6006% | 4,914 |
| Return on Equity (ROE) | 5.8127% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.7368% | 3,771 |
| Net charge-offs to loans | 0.1193% | 1,556 |
| Credit loss provision to net charge-offs | 128.5714% | 1,380 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 1,799 |
| Efficiency ratio | 81.9876% | 1,618 |
| Assets per employee ($millions) | 2.8970% | 5,786 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 2,800 |
| Loan loss allowance to noncurrent loans | 121.6606% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 3,905 |
| Noncurrent loans to loans | 1.1732% | 2,430 |
| Net loans and leases to total assets | 44.6305% | 5,296 |
| Net loans and leases to deposits | 50.0818% | 5,455 |
| Net loans and leases to core deposits | 55.6984% | 5,271 |
| Total domestic deposits to total assets | 89.1152% | 1,191 |
| Equity capital to assets | 9.3794% | 4,884 |
| Core capital (leverage) ratio | 8.9472% | 5,017 |
| Tier 1 risk-based capital ratio | 17.6199% | 2,264 |
| Total risk-based capital ratio | 18.8720% | 2,226 |
| Memoranda: | ||
| Average total assets | $51,948,500 | 5,687 |
| Average earning assets | $48,370,000 | 5,650 |
| Average equity | $4,817,000 | 5,881 |
| Average total loans | $23,479,500 | 5,776 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,895 |
| Cost of funding earning assets | 0.5327% | 2,356 |
| Net interest margin | 3.6841% | 3,065 |
| Noninterest income to average assets | 0.5656% | 3,083 |
| Noninterest expense to average assets | 3.2454% | 2,086 |
| Loan and lease loss provision to assets | 0.0712% | 3,065 |
| Net operating income to assets | 0.5088% | 4,777 |
| Return on assets (ROA) | 0.5221% | 4,808 |
| Pretax return on assets | 0.7001% | 4,632 |
| Return on Equity (ROE) | 5.7768% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.3545% | 3,085 |
| Net charge-offs to loans | 0.0958% | 3,134 |
| Credit loss provision to net charge-offs | 156.5217% | 1,550 |
| Earnings coverage of net charge-offs (x) | 16.5652% | 2,003 |
| Efficiency ratio | 81.1573% | 1,752 |
| Assets per employee ($millions) | 2.5876% | 6,113 |
| Cash dividends to net income (ytd only)* | 24.6212% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 2,776 |
| Loan loss allowance to noncurrent loans | 88.1579% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 3,370 |
| Noncurrent loans to loans | 1.6275% | 1,798 |
| Net loans and leases to total assets | 44.4706% | 5,434 |
| Net loans and leases to deposits | 49.7600% | 5,587 |
| Net loans and leases to core deposits | 55.3620% | 5,422 |
| Total domestic deposits to total assets | 89.3703% | 1,036 |
| Equity capital to assets | 9.1650% | 5,114 |
| Core capital (leverage) ratio | 9.0478% | 4,909 |
| Tier 1 risk-based capital ratio | 17.0410% | 2,497 |
| Total risk-based capital ratio | 18.2785% | 2,453 |
| Memoranda: | ||
| Average total assets | $50,564,000 | 5,774 |
| Average earning assets | $47,121,600 | 5,752 |
| Average equity | $4,570,000 | 5,970 |
| Average total loans | $24,005,800 | 5,822 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,783 |
| Cost of funding earning assets | 0.5457% | 2,335 |
| Net interest margin | 3.7117% | 2,977 |
| Noninterest income to average assets | 0.5703% | 3,066 |
| Noninterest expense to average assets | 3.2678% | 1,973 |
| Loan and lease loss provision to assets | 0.0716% | 2,913 |
| Net operating income to assets | 0.6513% | 4,214 |
| Return on assets (ROA) | 0.6737% | 4,175 |
| Pretax return on assets | 0.7188% | 4,636 |
| Return on Equity (ROE) | 7.4813% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.0085% | 2,404 |
| Net charge-offs to loans | 0.1489% | 2,299 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 10.7033% | 2,514 |
| Efficiency ratio | 80.9993% | 1,761 |
| Assets per employee ($millions) | 2.7566% | 6,023 |
| Cash dividends to net income (ytd only)* | 19.6864% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 3,369 |
| Loan loss allowance to noncurrent loans | 67.5052% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 3,043 |
| Noncurrent loans to loans | 2.0092% | 1,578 |
| Net loans and leases to total assets | 47.1986% | 5,276 |
| Net loans and leases to deposits | 52.9638% | 5,465 |
| Net loans and leases to core deposits | 58.8417% | 5,281 |
| Total domestic deposits to total assets | 89.1148% | 1,169 |
| Equity capital to assets | 9.4603% | 4,842 |
| Core capital (leverage) ratio | 9.2240% | 4,745 |
| Tier 1 risk-based capital ratio | 17.2597% | 2,495 |
| Total risk-based capital ratio | 18.4631% | 2,482 |
| Memoranda: | ||
| Average total assets | $50,267,250 | 5,845 |
| Average earning assets | $46,913,000 | 5,815 |
| Average equity | $4,526,750 | 6,044 |
| Average total loans | $24,170,000 | 5,877 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 2,965 |
| Cost of funding earning assets | 0.5601% | 2,260 |
| Net interest margin | 3.6362% | 3,205 |
| Noninterest income to average assets | 0.5071% | 3,429 |
| Noninterest expense to average assets | 3.2050% | 2,180 |
| Loan and lease loss provision to assets | 0.0713% | 2,847 |
| Net operating income to assets | 0.5943% | 4,381 |
| Return on assets (ROA) | 0.5943% | 4,478 |
| Pretax return on assets | 0.6259% | 4,867 |
| Return on Equity (ROE) | 6.7099% | 3,771 |
| Retained earnings to average equity (ytd only) | 5.1443% | 2,865 |
| Net charge-offs to loans | 0.2303% | 1,656 |
| Credit loss provision to net charge-offs | 64.2857% | 2,573 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 2,794 |
| Efficiency ratio | 82.1320% | 1,723 |
| Assets per employee ($millions) | 2.6721% | 6,152 |
| Cash dividends to net income (ytd only)* | 23.3333% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 4,162 |
| Loan loss allowance to noncurrent loans | 90.4348% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 3,957 |
| Noncurrent loans to loans | 1.3816% | 2,495 |
| Net loans and leases to total assets | 48.5700% | 5,123 |
| Net loans and leases to deposits | 54.2505% | 5,337 |
| Net loans and leases to core deposits | 60.9180% | 5,062 |
| Total domestic deposits to total assets | 89.5292% | 1,069 |
| Equity capital to assets | 9.1215% | 5,184 |
| Core capital (leverage) ratio | 8.8912% | 5,172 |
| Tier 1 risk-based capital ratio | 16.2509% | 2,957 |
| Total risk-based capital ratio | 17.3707% | 2,972 |
| Memoranda: | ||
| Average total assets | $50,483,670 | 5,891 |
| Average earning assets | $47,137,330 | 5,857 |
| Average equity | $4,471,000 | 6,099 |
| Average total loans | $24,313,000 | 5,913 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 2,973 |
| Cost of funding earning assets | 0.5705% | 2,237 |
| Net interest margin | 3.6019% | 3,239 |
| Noninterest income to average assets | 0.5006% | 3,405 |
| Noninterest expense to average assets | 3.1942% | 2,256 |
| Loan and lease loss provision to assets | 0.0715% | 2,712 |
| Net operating income to assets | 0.5959% | 4,218 |
| Return on assets (ROA) | 0.5959% | 4,295 |
| Pretax return on assets | 0.5959% | 4,847 |
| Return on Equity (ROE) | 6.8322% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.4657% | 2,804 |
| Net charge-offs to loans | 0.5837% | 633 |
| Credit loss provision to net charge-offs | 25.7143% | 2,441 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 2,883 |
| Efficiency ratio | 82.7160% | 1,835 |
| Assets per employee ($millions) | 2.6880% | 6,211 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 4,487 |
| Loan loss allowance to noncurrent loans | 66.0714% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 3,541 |
| Noncurrent loans to loans | 1.8618% | 2,049 |
| Net loans and leases to total assets | 46.5363% | 5,272 |
| Net loans and leases to deposits | 51.6887% | 5,478 |
| Net loans and leases to core deposits | 57.2561% | 5,260 |
| Total domestic deposits to total assets | 90.0317% | 1,061 |
| Equity capital to assets | 8.7269% | 5,426 |
| Core capital (leverage) ratio | 8.7398% | 5,338 |
| Tier 1 risk-based capital ratio | 16.3494% | 2,975 |
| Total risk-based capital ratio | 17.4310% | 3,030 |
| Memoranda: | ||
| Average total assets | $50,340,500 | 5,954 |
| Average earning assets | $46,975,000 | 5,922 |
| Average equity | $4,391,000 | 6,165 |
| Average total loans | $23,984,000 | 5,983 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 3,204 |
| Cost of funding earning assets | 0.6432% | 2,267 |
| Net interest margin | 3.5946% | 3,487 |
| Noninterest income to average assets | 0.6661% | 2,729 |
| Noninterest expense to average assets | 3.3002% | 2,152 |
| Loan and lease loss provision to assets | 0.0731% | 3,657 |
| Net operating income to assets | 0.4877% | 4,784 |
| Return on assets (ROA) | 0.4955% | 4,891 |
| Pretax return on assets | 0.6397% | 4,740 |
| Return on Equity (ROE) | 5.5024% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.9239% | 3,414 |
| Net charge-offs to loans | -0.0085% | 5,998 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4455% | 1,819 |
| Assets per employee ($millions) | 2.6110% | 6,307 |
| Cash dividends to net income (ytd only)* | 28.6885% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 3,906 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 2,823 |
| Noncurrent loans to loans | 2.6940% | 1,360 |
| Net loans and leases to total assets | 47.5377% | 5,345 |
| Net loans and leases to deposits | 52.8080% | 5,560 |
| Net loans and leases to core deposits | 58.6788% | 5,334 |
| Total domestic deposits to total assets | 90.0200% | 1,063 |
| Equity capital to assets | 8.7182% | 5,346 |
| Core capital (leverage) ratio | 9.0095% | 4,988 |
| Tier 1 risk-based capital ratio | 16.3730% | 2,917 |
| Total risk-based capital ratio | 17.5674% | 2,910 |
| Memoranda: | ||
| Average total assets | $49,239,000 | 6,031 |
| Average earning assets | $45,707,600 | 6,003 |
| Average equity | $4,434,400 | 6,225 |
| Average total loans | $23,551,400 | 6,054 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 3,241 |
| Cost of funding earning assets | 0.6547% | 2,323 |
| Net interest margin | 3.5834% | 3,523 |
| Noninterest income to average assets | 0.6945% | 2,639 |
| Noninterest expense to average assets | 3.2826% | 2,113 |
| Loan and lease loss provision to assets | 0.0733% | 3,593 |
| Net operating income to assets | 0.6647% | 4,045 |
| Return on assets (ROA) | 0.6782% | 4,108 |
| Pretax return on assets | 0.6782% | 4,752 |
| Return on Equity (ROE) | 7.4708% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.8271% | 2,523 |
| Net charge-offs to loans | -0.0511% | 6,317 |
| Credit loss provision to net charge-offs | -300.0000% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6464% | 1,873 |
| Assets per employee ($millions) | 2.5481% | 6,431 |
| Cash dividends to net income (ytd only)* | 21.9992% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,162 |
| Loan loss allowance to noncurrent loans | 53.3333% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 3,160 |
| Noncurrent loans to loans | 2.5225% | 1,712 |
| Net loans and leases to total assets | 48.4695% | 5,303 |
| Net loans and leases to deposits | 55.3718% | 5,426 |
| Net loans and leases to core deposits | 61.8911% | 5,129 |
| Total domestic deposits to total assets | 87.5346% | 2,398 |
| Equity capital to assets | 9.1069% | 5,049 |
| Core capital (leverage) ratio | 9.3895% | 4,543 |
| Tier 1 risk-based capital ratio | 16.5787% | 2,904 |
| Total risk-based capital ratio | 17.7760% | 2,892 |
| Memoranda: | ||
| Average total assets | $49,146,500 | 6,101 |
| Average earning assets | $45,616,750 | 6,070 |
| Average equity | $4,461,750 | 6,295 |
| Average total loans | $23,463,000 | 6,118 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 3,311 |
| Cost of funding earning assets | 0.6629% | 2,382 |
| Net interest margin | 3.5499% | 3,561 |
| Noninterest income to average assets | 0.6884% | 2,700 |
| Noninterest expense to average assets | 3.2719% | 2,152 |
| Loan and lease loss provision to assets | 0.0729% | 3,582 |
| Net operating income to assets | 0.6398% | 4,111 |
| Return on assets (ROA) | 0.6600% | 4,166 |
| Pretax return on assets | 0.6600% | 4,812 |
| Return on Equity (ROE) | 7.2779% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.4919% | 2,748 |
| Net charge-offs to loans | -0.0599% | 6,327 |
| Credit loss provision to net charge-offs | -257.1429% | 5,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1138% | 1,873 |
| Assets per employee ($millions) | 2.5289% | 6,474 |
| Cash dividends to net income (ytd only)* | 24.5399% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,513 |
| Loan loss allowance to noncurrent loans | 90.3509% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 4,443 |
| Noncurrent loans to loans | 1.4392% | 3,144 |
| Net loans and leases to total assets | 48.8137% | 5,245 |
| Net loans and leases to deposits | 54.3922% | 5,490 |
| Net loans and leases to core deposits | 61.0744% | 5,169 |
| Total domestic deposits to total assets | 89.7440% | 1,180 |
| Equity capital to assets | 9.0031% | 5,212 |
| Core capital (leverage) ratio | 8.9448% | 5,080 |
| Tier 1 risk-based capital ratio | 16.5182% | 2,932 |
| Total risk-based capital ratio | 17.6892% | 2,924 |
| Memoranda: | ||
| Average total assets | $49,390,670 | 6,139 |
| Average earning assets | $45,860,330 | 6,107 |
| Average equity | $4,479,330 | 6,336 |
| Average total loans | $23,355,330 | 6,160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 3,658 |
| Cost of funding earning assets | 0.6775% | 2,410 |
| Net interest margin | 3.4391% | 3,965 |
| Noninterest income to average assets | 0.6632% | 2,804 |
| Noninterest expense to average assets | 3.1961% | 2,364 |
| Loan and lease loss provision to assets | 0.0719% | 3,429 |
| Net operating income to assets | 0.5993% | 4,213 |
| Return on assets (ROA) | 0.6392% | 4,186 |
| Pretax return on assets | 0.6392% | 4,807 |
| Return on Equity (ROE) | 7.0237% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.2678% | 3,072 |
| Net charge-offs to loans | -0.0864% | 6,380 |
| Credit loss provision to net charge-offs | -180.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6446% | 1,938 |
| Assets per employee ($millions) | 2.6269% | 6,468 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,665 |
| Loan loss allowance to noncurrent loans | 149.7487% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 5,398 |
| Noncurrent loans to loans | 0.8719% | 4,387 |
| Net loans and leases to total assets | 45.1303% | 5,534 |
| Net loans and leases to deposits | 50.5634% | 5,745 |
| Net loans and leases to core deposits | 56.9072% | 5,441 |
| Total domestic deposits to total assets | 89.2549% | 1,526 |
| Equity capital to assets | 9.1503% | 5,311 |
| Core capital (leverage) ratio | 8.5182% | 5,566 |
| Tier 1 risk-based capital ratio | 16.4497% | 3,034 |
| Total risk-based capital ratio | 17.5907% | 3,041 |
| Memoranda: | ||
| Average total assets | $50,061,000 | 6,183 |
| Average earning assets | $46,640,000 | 6,139 |
| Average equity | $4,556,000 | 6,381 |
| Average total loans | $23,151,000 | 6,210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 3,129 |
| Cost of funding earning assets | 0.7676% | 2,939 |
| Net interest margin | 3.8013% | 3,218 |
| Noninterest income to average assets | 0.6650% | 2,908 |
| Noninterest expense to average assets | 3.4019% | 2,042 |
| Loan and lease loss provision to assets | 0.0770% | 4,750 |
| Net operating income to assets | 0.5581% | 4,442 |
| Return on assets (ROA) | 0.5581% | 4,697 |
| Pretax return on assets | 0.7227% | 4,583 |
| Return on Equity (ROE) | 5.8436% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.3883% | 3,139 |
| Net charge-offs to loans | 0.0438% | 5,303 |
| Credit loss provision to net charge-offs | 360.0000% | 679 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 850 |
| Efficiency ratio | 80.9669% | 2,009 |
| Assets per employee ($millions) | 2.6427% | 6,490 |
| Cash dividends to net income (ytd only)* | 24.9042% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 5,073 |
| Loan loss allowance to noncurrent loans | 139.2157% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 5,469 |
| Noncurrent loans to loans | 0.8689% | 4,445 |
| Net loans and leases to total assets | 46.1951% | 5,591 |
| Net loans and leases to deposits | 51.5227% | 5,843 |
| Net loans and leases to core deposits | 57.9050% | 5,551 |
| Total domestic deposits to total assets | 89.6596% | 1,147 |
| Equity capital to assets | 9.0518% | 5,466 |
| Core capital (leverage) ratio | 8.5688% | 5,509 |
| Tier 1 risk-based capital ratio | 15.9069% | 3,213 |
| Total risk-based capital ratio | 16.9733% | 3,262 |
| Memoranda: | ||
| Average total assets | $46,767,800 | 6,302 |
| Average earning assets | $43,511,800 | 6,250 |
| Average equity | $4,466,400 | 6,453 |
| Average total loans | $22,828,600 | 6,303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 3,002 |
| Cost of funding earning assets | 0.7858% | 3,068 |
| Net interest margin | 3.8668% | 3,044 |
| Noninterest income to average assets | 0.6564% | 2,961 |
| Noninterest expense to average assets | 3.3719% | 2,079 |
| Loan and lease loss provision to assets | 0.0784% | 4,659 |
| Net operating income to assets | 0.7755% | 3,572 |
| Return on assets (ROA) | 0.7755% | 3,824 |
| Pretax return on assets | 0.8074% | 4,457 |
| Return on Equity (ROE) | 8.0056% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.0568% | 2,669 |
| Net charge-offs to loans | 0.0294% | 5,247 |
| Credit loss provision to net charge-offs | 540.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 60.9685% | 645 |
| Efficiency ratio | 79.1951% | 2,208 |
| Assets per employee ($millions) | 2.3482% | 6,828 |
| Cash dividends to net income (ytd only)* | 24.3434% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,287 |
| Loan loss allowance to noncurrent loans | 72.9167% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 4,656 |
| Noncurrent loans to loans | 1.6439% | 3,328 |
| Net loans and leases to total assets | 49.1419% | 5,423 |
| Net loans and leases to deposits | 55.2671% | 5,691 |
| Net loans and leases to core deposits | 62.2898% | 5,330 |
| Total domestic deposits to total assets | 88.9170% | 1,480 |
| Equity capital to assets | 9.7607% | 4,832 |
| Core capital (leverage) ratio | 9.2312% | 4,702 |
| Tier 1 risk-based capital ratio | 16.3404% | 3,090 |
| Total risk-based capital ratio | 17.4195% | 3,154 |
| Memoranda: | ||
| Average total assets | $45,907,000 | 6,404 |
| Average earning assets | $42,755,750 | 6,349 |
| Average equity | $4,446,750 | 6,527 |
| Average total loans | $22,666,000 | 6,387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 2,894 |
| Cost of funding earning assets | 0.7912% | 3,262 |
| Net interest margin | 3.9137% | 2,849 |
| Noninterest income to average assets | 0.6234% | 3,108 |
| Noninterest expense to average assets | 3.4025% | 2,030 |
| Loan and lease loss provision to assets | 0.0790% | 4,618 |
| Net operating income to assets | 0.7595% | 3,557 |
| Return on assets (ROA) | 0.7595% | 3,830 |
| Pretax return on assets | 0.7903% | 4,506 |
| Return on Equity (ROE) | 7.8618% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.2713% | 2,521 |
| Net charge-offs to loans | -0.0089% | 6,268 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6506% | 2,244 |
| Assets per employee ($millions) | 2.2884% | 6,914 |
| Cash dividends to net income (ytd only)* | 20.2312% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,317 |
| Loan loss allowance to noncurrent loans | 124.2152% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 5,542 |
| Noncurrent loans to loans | 0.9731% | 4,572 |
| Net loans and leases to total assets | 49.4680% | 5,425 |
| Net loans and leases to deposits | 55.6662% | 5,686 |
| Net loans and leases to core deposits | 62.5086% | 5,345 |
| Total domestic deposits to total assets | 88.8653% | 1,594 |
| Equity capital to assets | 9.8280% | 4,579 |
| Core capital (leverage) ratio | 9.1441% | 4,697 |
| Tier 1 risk-based capital ratio | 16.4254% | 2,954 |
| Total risk-based capital ratio | 17.5151% | 2,993 |
| Memoranda: | ||
| Average total assets | $45,554,670 | 6,444 |
| Average earning assets | $42,465,670 | 6,399 |
| Average equity | $4,401,000 | 6,570 |
| Average total loans | $22,435,000 | 6,441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 2,649 |
| Cost of funding earning assets | 0.8028% | 3,456 |
| Net interest margin | 3.9953% | 2,525 |
| Noninterest income to average assets | 0.5281% | 3,709 |
| Noninterest expense to average assets | 3.4677% | 1,828 |
| Loan and lease loss provision to assets | 0.0792% | 4,409 |
| Net operating income to assets | 0.6865% | 3,950 |
| Return on assets (ROA) | 0.6865% | 4,166 |
| Pretax return on assets | 0.7041% | 4,778 |
| Return on Equity (ROE) | 7.1683% | 3,678 |
| Retained earnings to average equity (ytd only) | 3.9518% | 4,215 |
| Net charge-offs to loans | -0.0180% | 6,143 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5735% | 1,993 |
| Assets per employee ($millions) | 2.3925% | 6,929 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 5,398 |
| Loan loss allowance to noncurrent loans | 116.5217% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,598 |
| Noncurrent loans to loans | 1.0474% | 4,599 |
| Net loans and leases to total assets | 47.7176% | 5,596 |
| Net loans and leases to deposits | 53.5488% | 5,854 |
| Net loans and leases to core deposits | 60.1592% | 5,513 |
| Total domestic deposits to total assets | 89.1106% | 1,633 |
| Equity capital to assets | 9.6223% | 4,622 |
| Core capital (leverage) ratio | 9.0104% | 4,825 |
| Tier 1 risk-based capital ratio | 16.6558% | 2,835 |
| Total risk-based capital ratio | 17.7498% | 2,876 |
| Memoranda: | ||
| Average total assets | $45,448,500 | 6,497 |
| Average earning assets | $42,350,000 | 6,444 |
| Average equity | $4,352,500 | 6,619 |
| Average total loans | $22,194,000 | 6,498 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 2,431 |
| Cost of funding earning assets | 1.1033% | 2,653 |
| Net interest margin | 4.0022% | 2,866 |
| Noninterest income to average assets | 0.5624% | 3,412 |
| Noninterest expense to average assets | 3.5602% | 1,832 |
| Loan and lease loss provision to assets | 0.0816% | 5,592 |
| Net operating income to assets | 0.5079% | 4,383 |
| Return on assets (ROA) | 0.5079% | 4,596 |
| Pretax return on assets | 0.6304% | 4,593 |
| Return on Equity (ROE) | 5.3171% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.7742% | 3,530 |
| Net charge-offs to loans | 0.0265% | 6,065 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 536 |
| Efficiency ratio | 83.3333% | 1,842 |
| Assets per employee ($millions) | 2.3916% | 6,923 |
| Cash dividends to net income (ytd only)* | 29.0179% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,627 |
| Loan loss allowance to noncurrent loans | 108.8608% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 5,658 |
| Noncurrent loans to loans | 1.0567% | 4,597 |
| Net loans and leases to total assets | 48.7918% | 5,743 |
| Net loans and leases to deposits | 54.7743% | 5,998 |
| Net loans and leases to core deposits | 61.4768% | 5,708 |
| Total domestic deposits to total assets | 89.0779% | 1,489 |
| Equity capital to assets | 9.5313% | 4,833 |
| Core capital (leverage) ratio | 8.7661% | 5,152 |
| Tier 1 risk-based capital ratio | 16.2403% | 2,931 |
| Total risk-based capital ratio | 17.2780% | 2,984 |
| Memoranda: | ||
| Average total assets | $44,099,200 | 6,534 |
| Average earning assets | $40,877,600 | 6,500 |
| Average equity | $4,212,800 | 6,694 |
| Average total loans | $22,683,000 | 6,524 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 2,251 |
| Cost of funding earning assets | 1.1612% | 2,557 |
| Net interest margin | 4.0265% | 2,796 |
| Noninterest income to average assets | 0.5667% | 3,396 |
| Noninterest expense to average assets | 3.5675% | 1,778 |
| Loan and lease loss provision to assets | 0.0823% | 5,413 |
| Net operating income to assets | 0.6459% | 3,893 |
| Return on assets (ROA) | 0.6459% | 4,071 |
| Pretax return on assets | 0.6459% | 4,662 |
| Return on Equity (ROE) | 6.7569% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.6854% | 3,392 |
| Net charge-offs to loans | 0.0410% | 5,581 |
| Credit loss provision to net charge-offs | 385.7143% | 732 |
| Earnings coverage of net charge-offs (x) | 34.1543% | 853 |
| Efficiency ratio | 83.0496% | 1,844 |
| Assets per employee ($millions) | 2.3536% | 7,031 |
| Cash dividends to net income (ytd only)* | 30.6587% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,854 |
| Loan loss allowance to noncurrent loans | 92.5373% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 5,621 |
| Noncurrent loans to loans | 1.1985% | 4,537 |
| Net loans and leases to total assets | 49.4499% | 5,778 |
| Net loans and leases to deposits | 55.6554% | 6,059 |
| Net loans and leases to core deposits | 63.7391% | 5,651 |
| Total domestic deposits to total assets | 88.8501% | 1,517 |
| Equity capital to assets | 9.7455% | 4,707 |
| Core capital (leverage) ratio | 9.1509% | 4,709 |
| Tier 1 risk-based capital ratio | 16.0143% | 3,113 |
| Total risk-based capital ratio | 17.0018% | 3,215 |
| Memoranda: | ||
| Average total assets | $43,764,000 | 6,605 |
| Average earning assets | $40,530,750 | 6,560 |
| Average equity | $4,183,250 | 6,753 |
| Average total loans | $22,746,500 | 6,588 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 2,056 |
| Cost of funding earning assets | 1.2125% | 2,492 |
| Net interest margin | 4.0400% | 2,648 |
| Noninterest income to average assets | 0.5524% | 3,463 |
| Noninterest expense to average assets | 3.5907% | 1,764 |
| Loan and lease loss provision to assets | 0.0829% | 5,273 |
| Net operating income to assets | 0.6215% | 3,951 |
| Return on assets (ROA) | 0.6215% | 4,081 |
| Pretax return on assets | 0.6215% | 4,668 |
| Return on Equity (ROE) | 6.5455% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.8485% | 3,090 |
| Net charge-offs to loans | 0.0612% | 5,040 |
| Credit loss provision to net charge-offs | 257.1429% | 1,179 |
| Earnings coverage of net charge-offs (x) | 21.8571% | 1,138 |
| Efficiency ratio | 83.6013% | 1,871 |
| Assets per employee ($millions) | 2.1867% | 7,192 |
| Cash dividends to net income (ytd only)* | 25.9259% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,112 |
| Loan loss allowance to noncurrent loans | 98.7603% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 5,819 |
| Noncurrent loans to loans | 1.0691% | 4,878 |
| Net loans and leases to total assets | 51.2108% | 5,666 |
| Net loans and leases to deposits | 57.5703% | 5,984 |
| Net loans and leases to core deposits | 66.1273% | 5,497 |
| Total domestic deposits to total assets | 88.9534% | 1,563 |
| Equity capital to assets | 9.7158% | 4,517 |
| Core capital (leverage) ratio | 9.2263% | 4,358 |
| Tier 1 risk-based capital ratio | 15.8951% | 3,032 |
| Total risk-based capital ratio | 16.8506% | 3,144 |
| Memoranda: | ||
| Average total assets | $43,446,000 | 6,663 |
| Average earning assets | $40,247,330 | 6,629 |
| Average equity | $4,125,000 | 6,813 |
| Average total loans | $22,875,000 | 6,645 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 1,676 |
| Cost of funding earning assets | 1.3073% | 2,137 |
| Net interest margin | 4.0617% | 2,425 |
| Noninterest income to average assets | 0.5358% | 3,614 |
| Noninterest expense to average assets | 3.5656% | 1,838 |
| Loan and lease loss provision to assets | 0.0831% | 4,956 |
| Net operating income to assets | 0.6466% | 3,768 |
| Return on assets (ROA) | 0.6466% | 3,844 |
| Pretax return on assets | 0.6466% | 4,503 |
| Return on Equity (ROE) | 6.8915% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.4457% | 4,122 |
| Net charge-offs to loans | -0.0348% | 6,758 |
| Credit loss provision to net charge-offs | -450.0000% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0108% | 2,076 |
| Assets per employee ($millions) | 2.1530% | 7,279 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 6,284 |
| Loan loss allowance to noncurrent loans | 92.2780% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 5,772 |
| Noncurrent loans to loans | 1.1168% | 4,839 |
| Net loans and leases to total assets | 53.3024% | 5,411 |
| Net loans and leases to deposits | 59.7273% | 5,750 |
| Net loans and leases to core deposits | 68.7268% | 5,202 |
| Total domestic deposits to total assets | 89.2429% | 1,620 |
| Equity capital to assets | 9.4984% | 4,439 |
| Core capital (leverage) ratio | 8.8975% | 4,777 |
| Tier 1 risk-based capital ratio | 15.4790% | 3,170 |
| Total risk-based capital ratio | 16.4252% | 3,288 |
| Memoranda: | ||
| Average total assets | $43,302,500 | 6,716 |
| Average earning assets | $40,081,500 | 6,686 |
| Average equity | $4,063,000 | 6,863 |
| Average total loans | $22,995,000 | 6,694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 1,820 |
| Cost of funding earning assets | 1.5332% | 2,458 |
| Net interest margin | 4.0860% | 2,634 |
| Noninterest income to average assets | 0.6658% | 3,046 |
| Noninterest expense to average assets | 3.6807% | 1,749 |
| Loan and lease loss provision to assets | 0.2644% | 4,681 |
| Net operating income to assets | 0.4290% | 4,415 |
| Return on assets (ROA) | 0.4439% | 4,508 |
| Pretax return on assets | 0.4934% | 4,642 |
| Return on Equity (ROE) | 4.7009% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.0758% | 3,009 |
| Net charge-offs to loans | 0.4444% | 3,838 |
| Credit loss provision to net charge-offs | 112.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | 3.1400% | 3,502 |
| Efficiency ratio | 83.2355% | 2,025 |
| Assets per employee ($millions) | 2.4192% | 7,112 |
| Cash dividends to net income (ytd only)* | 13.2979% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,387 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 6,056 |
| Noncurrent loans to loans | 0.6667% | 5,713 |
| Net loans and leases to total assets | 51.8337% | 5,931 |
| Net loans and leases to deposits | 58.0679% | 6,248 |
| Net loans and leases to core deposits | 66.6893% | 5,811 |
| Total domestic deposits to total assets | 89.2640% | 1,508 |
| Equity capital to assets | 9.2686% | 4,724 |
| Core capital (leverage) ratio | 8.8157% | 4,833 |
| Tier 1 risk-based capital ratio | 15.1734% | 3,159 |
| Total risk-based capital ratio | 16.0666% | 3,317 |
| Memoranda: | ||
| Average total assets | $42,356,200 | 6,786 |
| Average earning assets | $38,937,600 | 6,764 |
| Average equity | $3,999,200 | 7,005 |
| Average total loans | $22,503,200 | 6,795 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6986% | 1,719 |
| Cost of funding earning assets | 1.5645% | 2,585 |
| Net interest margin | 4.1341% | 2,466 |
| Noninterest income to average assets | 0.6277% | 3,270 |
| Noninterest expense to average assets | 3.6995% | 1,566 |
| Loan and lease loss provision to assets | 0.3392% | 3,887 |
| Net operating income to assets | 0.3777% | 4,853 |
| Return on assets (ROA) | 0.3994% | 4,930 |
| Pretax return on assets | 0.4058% | 5,201 |
| Return on Equity (ROE) | 4.2105% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.3749% | 4,074 |
| Net charge-offs to loans | 0.5290% | 3,184 |
| Credit loss provision to net charge-offs | 120.2247% | 3,430 |
| Earnings coverage of net charge-offs (x) | 2.5619% | 3,879 |
| Efficiency ratio | 83.6559% | 1,874 |
| Assets per employee ($millions) | 2.3264% | 7,283 |
| Cash dividends to net income (ytd only)* | 19.8393% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,421 |
| Loan loss allowance to noncurrent loans | 52.8217% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 4,742 |
| Noncurrent loans to loans | 1.8801% | 3,827 |
| Net loans and leases to total assets | 55.7073% | 5,590 |
| Net loans and leases to deposits | 62.9126% | 6,031 |
| Net loans and leases to core deposits | 72.7704% | 5,429 |
| Total domestic deposits to total assets | 88.5471% | 1,649 |
| Equity capital to assets | 9.7765% | 4,449 |
| Core capital (leverage) ratio | 9.0321% | 4,638 |
| Tier 1 risk-based capital ratio | 14.8586% | 3,323 |
| Total risk-based capital ratio | 15.7714% | 3,469 |
| Memoranda: | ||
| Average total assets | $42,059,000 | 6,882 |
| Average earning assets | $38,605,000 | 6,853 |
| Average equity | $3,990,000 | 7,099 |
| Average total loans | $22,429,250 | 6,887 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 1,832 |
| Cost of funding earning assets | 1.5795% | 2,773 |
| Net interest margin | 4.1014% | 2,551 |
| Noninterest income to average assets | 0.6363% | 3,090 |
| Noninterest expense to average assets | 3.6800% | 1,597 |
| Loan and lease loss provision to assets | 0.0902% | 6,025 |
| Net operating income to assets | 0.6176% | 3,794 |
| Return on assets (ROA) | 0.6505% | 3,780 |
| Pretax return on assets | 0.6600% | 4,365 |
| Return on Equity (ROE) | 6.9274% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.6632% | 2,517 |
| Net charge-offs to loans | 0.0363% | 5,849 |
| Credit loss provision to net charge-offs | 475.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 762 |
| Efficiency ratio | 83.6933% | 1,956 |
| Assets per employee ($millions) | 2.1954% | 7,435 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,370 |
| Loan loss allowance to noncurrent loans | 36.2069% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 3,866 |
| Noncurrent loans to loans | 2.7804% | 2,879 |
| Net loans and leases to total assets | 54.4568% | 5,924 |
| Net loans and leases to deposits | 61.5183% | 6,273 |
| Net loans and leases to core deposits | 70.6202% | 5,813 |
| Total domestic deposits to total assets | 88.5213% | 1,711 |
| Equity capital to assets | 9.8365% | 4,220 |
| Core capital (leverage) ratio | 9.0414% | 4,542 |
| Tier 1 risk-based capital ratio | 15.1275% | 3,092 |
| Total risk-based capital ratio | 16.0423% | 3,235 |
| Memoranda: | ||
| Average total assets | $42,120,000 | 6,928 |
| Average earning assets | $38,620,670 | 6,905 |
| Average equity | $3,955,330 | 7,139 |
| Average total loans | $22,051,670 | 6,961 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5728% | 2,273 |
| Cost of funding earning assets | 1.5966% | 2,985 |
| Net interest margin | 3.9762% | 2,971 |
| Noninterest income to average assets | 0.6143% | 3,174 |
| Noninterest expense to average assets | 3.6480% | 1,621 |
| Loan and lease loss provision to assets | 0.0378% | 6,297 |
| Net operating income to assets | 0.5596% | 4,085 |
| Return on assets (ROA) | 0.6238% | 3,918 |
| Pretax return on assets | 0.6427% | 4,441 |
| Return on Equity (ROE) | 6.8015% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.8015% | 2,216 |
| Net charge-offs to loans | 0.0926% | 4,494 |
| Credit loss provision to net charge-offs | 80.0000% | 3,875 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,525 |
| Efficiency ratio | 85.5876% | 1,842 |
| Assets per employee ($millions) | 2.2397% | 7,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 6,621 |
| Loan loss allowance to noncurrent loans | 33.1790% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9692% | 3,535 |
| Noncurrent loans to loans | 2.9107% | 2,767 |
| Net loans and leases to total assets | 51.8106% | 6,293 |
| Net loans and leases to deposits | 58.1373% | 6,614 |
| Net loans and leases to core deposits | 67.7004% | 6,127 |
| Total domestic deposits to total assets | 89.1176% | 1,459 |
| Equity capital to assets | 9.3926% | 4,682 |
| Core capital (leverage) ratio | 8.7982% | 4,855 |
| Tier 1 risk-based capital ratio | 15.1002% | 3,067 |
| Total risk-based capital ratio | 15.9605% | 3,218 |
| Memoranda: | ||
| Average total assets | $42,324,000 | 7,005 |
| Average earning assets | $38,831,500 | 6,980 |
| Average equity | $3,881,500 | 7,223 |
| Average total loans | $21,604,500 | 7,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 2,229 |
| Cost of funding earning assets | 1.9016% | 3,455 |
| Net interest margin | 3.9997% | 2,866 |
| Noninterest income to average assets | 0.7225% | 2,835 |
| Noninterest expense to average assets | 3.8799% | 1,542 |
| Loan and lease loss provision to assets | 0.7127% | 2,981 |
| Net operating income to assets | -0.1501% | 5,767 |
| Return on assets (ROA) | -0.2141% | 5,848 |
| Pretax return on assets | -0.2943% | 5,825 |
| Return on Equity (ROE) | -2.1953% | 5,885 |
| Retained earnings to average equity (ytd only) | -2.8189% | 5,661 |
| Net charge-offs to loans | 1.7549% | 1,426 |
| Credit loss provision to net charge-offs | 82.0728% | 6,245 |
| Earnings coverage of net charge-offs (x) | 0.5826% | 5,520 |
| Efficiency ratio | 88.4637% | 1,843 |
| Assets per employee ($millions) | 2.1047% | 7,649 |
| Cash dividends to net income (ytd only)* | -28.4091% | 7,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,210 |
| Loan loss allowance to noncurrent loans | 34.4498% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 3,675 |
| Noncurrent loans to loans | 2.9934% | 2,570 |
| Net loans and leases to total assets | 49.2481% | 6,706 |
| Net loans and leases to deposits | 55.2550% | 6,969 |
| Net loans and leases to core deposits | 79.5503% | 6,141 |
| Total domestic deposits to total assets | 89.1288% | 1,420 |
| Equity capital to assets | 8.9469% | 5,223 |
| Core capital (leverage) ratio | 8.5435% | 5,211 |
| Tier 1 risk-based capital ratio | 14.1508% | 3,406 |
| Total risk-based capital ratio | 15.0152% | 3,593 |
| Memoranda: | ||
| Average total assets | $41,109,800 | 7,044 |
| Average earning assets | $37,652,400 | 7,025 |
| Average equity | $4,008,600 | 7,290 |
| Average total loans | $20,343,200 | 7,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9625% | 2,183 |
| Cost of funding earning assets | 1.9828% | 3,454 |
| Net interest margin | 3.9798% | 2,895 |
| Noninterest income to average assets | 0.7798% | 2,547 |
| Noninterest expense to average assets | 3.9153% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4702% | 4,121 |
| Return on assets (ROA) | 0.3622% | 4,646 |
| Pretax return on assets | 0.3948% | 4,813 |
| Return on Equity (ROE) | 3.6370% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.8177% | 3,758 |
| Net charge-offs to loans | 0.5414% | 3,059 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.9147% | 4,375 |
| Efficiency ratio | 88.4304% | 1,822 |
| Assets per employee ($millions) | 1.9822% | 7,812 |
| Cash dividends to net income (ytd only)* | 22.5203% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 6,603 |
| Loan loss allowance to noncurrent loans | 43.9024% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 4,247 |
| Noncurrent loans to loans | 2.1375% | 3,463 |
| Net loans and leases to total assets | 52.7231% | 6,532 |
| Net loans and leases to deposits | 60.5791% | 6,777 |
| Net loans and leases to core deposits | 90.6965% | 5,373 |
| Total domestic deposits to total assets | 87.0318% | 2,170 |
| Equity capital to assets | 10.8392% | 3,179 |
| Core capital (leverage) ratio | 9.9498% | 3,338 |
| Tier 1 risk-based capital ratio | 15.9084% | 2,663 |
| Total risk-based capital ratio | 16.7113% | 2,784 |
| Memoranda: | ||
| Average total assets | $40,864,000 | 7,110 |
| Average earning assets | $37,455,250 | 7,093 |
| Average equity | $4,069,250 | 7,331 |
| Average total loans | $20,192,500 | 7,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0320% | 2,047 |
| Cost of funding earning assets | 2.0529% | 3,509 |
| Net interest margin | 3.9791% | 2,791 |
| Noninterest income to average assets | 0.7317% | 2,807 |
| Noninterest expense to average assets | 3.9059% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4119% | 4,464 |
| Return on assets (ROA) | 0.2035% | 5,332 |
| Pretax return on assets | 0.2375% | 5,361 |
| Return on Equity (ROE) | 2.1035% | 5,262 |
| Retained earnings to average equity (ytd only) | 0.8514% | 4,843 |
| Net charge-offs to loans | 0.1408% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.0714% | 2,499 |
| Efficiency ratio | 89.0608% | 1,899 |
| Assets per employee ($millions) | 2.3683% | 7,474 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,175 |
| Loan loss allowance to noncurrent loans | 42.2222% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 3,762 |
| Noncurrent loans to loans | 3.1216% | 2,290 |
| Net loans and leases to total assets | 49.4672% | 6,921 |
| Net loans and leases to deposits | 55.9533% | 7,166 |
| Net loans and leases to core deposits | 82.7386% | 6,181 |
| Total domestic deposits to total assets | 88.4081% | 1,572 |
| Equity capital to assets | 9.8234% | 4,184 |
| Core capital (leverage) ratio | 9.4239% | 3,999 |
| Tier 1 risk-based capital ratio | 16.0670% | 2,599 |
| Total risk-based capital ratio | 17.1760% | 2,596 |
| Memoranda: | ||
| Average total assets | $41,271,000 | 7,159 |
| Average earning assets | $37,897,670 | 7,134 |
| Average equity | $3,993,330 | 7,421 |
| Average total loans | $19,890,330 | 7,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3069% | 1,281 |
| Cost of funding earning assets | 2.1266% | 3,527 |
| Net interest margin | 4.1803% | 1,973 |
| Noninterest income to average assets | 0.7181% | 2,772 |
| Noninterest expense to average assets | 3.7246% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8043% | 3,110 |
| Return on assets (ROA) | 0.8043% | 3,267 |
| Pretax return on assets | 0.8330% | 3,964 |
| Return on Equity (ROE) | 8.3738% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.3738% | 1,674 |
| Net charge-offs to loans | -0.0203% | 7,442 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7227% | 2,574 |
| Assets per employee ($millions) | 2.3676% | 7,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 3,289 |
| Loan loss allowance to noncurrent loans | 79.6034% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 5,067 |
| Noncurrent loans to loans | 1.8093% | 3,550 |
| Net loans and leases to total assets | 45.1205% | 7,254 |
| Net loans and leases to deposits | 50.8502% | 7,461 |
| Net loans and leases to core deposits | 74.8035% | 6,758 |
| Total domestic deposits to total assets | 88.7322% | 1,366 |
| Equity capital to assets | 9.5783% | 4,560 |
| Core capital (leverage) ratio | 9.4687% | 4,020 |
| Tier 1 risk-based capital ratio | 16.3839% | 2,558 |
| Total risk-based capital ratio | 17.5581% | 2,525 |
| Memoranda: | ||
| Average total assets | $41,776,000 | 7,178 |
| Average earning assets | $38,370,500 | 7,151 |
| Average equity | $4,012,500 | 7,454 |
| Average total loans | $19,744,500 | 7,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6293% | 2,352 |
| Cost of funding earning assets | 2.6863% | 3,226 |
| Net interest margin | 3.9429% | 3,394 |
| Noninterest income to average assets | 0.8839% | 2,039 |
| Noninterest expense to average assets | 3.8555% | 1,651 |
| Loan and lease loss provision to assets | 0.0122% | 7,217 |
| Net operating income to assets | 0.4527% | 4,942 |
| Return on assets (ROA) | 0.4615% | 4,723 |
| Pretax return on assets | 0.6446% | 4,564 |
| Return on Equity (ROE) | 5.0090% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.3464% | 2,413 |
| Net charge-offs to loans | -0.0355% | 7,993 |
| Credit loss provision to net charge-offs | -71.4286% | 7,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6755% | 1,890 |
| Assets per employee ($millions) | 2.2742% | 7,601 |
| Cash dividends to net income (ytd only)* | 13.2275% | 4,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,188 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 7,364 |
| Noncurrent loans to loans | 0.0601% | 7,268 |
| Net loans and leases to total assets | 48.1226% | 7,178 |
| Net loans and leases to deposits | 54.5271% | 7,403 |
| Net loans and leases to core deposits | 79.5373% | 6,647 |
| Total domestic deposits to total assets | 88.2545% | 1,357 |
| Equity capital to assets | 9.6323% | 4,506 |
| Core capital (leverage) ratio | 9.4552% | 4,081 |
| Tier 1 risk-based capital ratio | 16.5438% | 2,470 |
| Total risk-based capital ratio | 17.7510% | 2,415 |
| Memoranda: | ||
| Average total assets | $40,954,200 | 7,172 |
| Average earning assets | $37,560,800 | 7,170 |
| Average equity | $3,773,200 | 7,587 |
| Average total loans | $19,698,400 | 7,346 |