Home > The Mt. Victory State Bank > Performance and Condition Ratios
The Mt. Victory State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 2,767 |
| Cost of funding earning assets | 0.7556% | 3,845 |
| Net interest margin | 3.9047% | 1,363 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.0831% | 987 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6128% | 3,408 |
| Return on assets (ROA) | 0.6128% | 3,393 |
| Pretax return on assets | 0.7411% | 3,355 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 4.4100% | 2,827 |
| Net charge-offs to loans | 0.1413% | 717 |
| Credit loss provision to net charge-offs | 75.0000% | 2,051 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,237 |
| Efficiency ratio | 79.4370% | 952 |
| Assets per employee ($millions) | 5.5458% | 3,209 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.6500% | 3,299 |
| Net loans and leases to deposits | 59.7801% | 3,534 |
| Net loans and leases to core deposits | 63.9856% | 3,591 |
| Total domestic deposits to total assets | 91.4300% | 404 |
| Equity capital to assets | 8.4975% | 3,055 |
| Core capital (leverage) ratio | 9.4497% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $21,050,000 | 4,518 |
| Average earning assets | $19,719,600 | 4,481 |
| Average equity | $1,791,400 | 4,499 |
| Average total loans | $11,321,800 | 4,402 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 2,936 |
| Cost of funding earning assets | 0.6998% | 3,766 |
| Net interest margin | 3.7938% | 1,611 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.8250% | 1,378 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7576% | 3,142 |
| Return on assets (ROA) | 0.7576% | 3,137 |
| Pretax return on assets | 0.8924% | 3,119 |
| Return on Equity (ROE) | 8.9000% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.8987% | 1,714 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.9574% | 1,272 |
| Assets per employee ($millions) | 4.2206% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,548 |
| Loan loss allowance to noncurrent loans | 883.3333% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 3,022 |
| Noncurrent loans to loans | 0.1559% | 2,773 |
| Net loans and leases to total assets | 53.9700% | 3,362 |
| Net loans and leases to deposits | 59.0125% | 3,558 |
| Net loans and leases to core deposits | 63.3517% | 3,561 |
| Total domestic deposits to total assets | 91.4600% | 565 |
| Equity capital to assets | 8.4396% | 2,755 |
| Core capital (leverage) ratio | 9.9382% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $20,766,750 | 4,545 |
| Average earning assets | $19,434,750 | 4,509 |
| Average equity | $1,768,000 | 4,525 |
| Average total loans | $11,084,500 | 4,428 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 3,029 |
| Cost of funding earning assets | 0.6208% | 3,705 |
| Net interest margin | 3.7144% | 1,792 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.8759% | 1,268 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6681% | 3,413 |
| Return on assets (ROA) | 0.6681% | 3,415 |
| Pretax return on assets | 0.7940% | 3,407 |
| Return on Equity (ROE) | 7.8200% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.8246% | 2,028 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.7487% | 1,017 |
| Assets per employee ($millions) | 4.1068% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 1,659 |
| Loan loss allowance to noncurrent loans | 962.5000% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 2,996 |
| Noncurrent loans to loans | 0.1417% | 2,760 |
| Net loans and leases to total assets | 54.2300% | 3,256 |
| Net loans and leases to deposits | 59.4713% | 3,455 |
| Net loans and leases to core deposits | 63.9522% | 3,454 |
| Total domestic deposits to total assets | 91.1900% | 592 |
| Equity capital to assets | 8.7562% | 2,689 |
| Core capital (leverage) ratio | 10.0336% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $20,654,667 | 4,575 |
| Average earning assets | $19,330,333 | 4,537 |
| Average equity | $1,763,667 | 4,558 |
| Average total loans | $10,929,667 | 4,457 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 3,014 |
| Cost of funding earning assets | 0.4955% | 3,701 |
| Net interest margin | 3.7163% | 1,861 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8192% | 1,393 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6951% | 3,486 |
| Return on assets (ROA) | 0.6951% | 3,432 |
| Pretax return on assets | 0.8303% | 3,393 |
| Return on Equity (ROE) | 8.2500% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.2451% | 2,151 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.0417% | 1,162 |
| Assets per employee ($millions) | 4.1912% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,511 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,777 |
| Noncurrent loans to loans | 0.0185% | 3,655 |
| Net loans and leases to total assets | 50.8100% | 3,432 |
| Net loans and leases to deposits | 55.5457% | 3,595 |
| Net loans and leases to core deposits | 59.5936% | 3,558 |
| Total domestic deposits to total assets | 91.4700% | 652 |
| Equity capital to assets | 8.4940% | 2,898 |
| Core capital (leverage) ratio | 9.8486% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $20,715,000 | 4,633 |
| Average earning assets | $19,374,000 | 4,602 |
| Average equity | $1,746,500 | 4,625 |
| Average total loans | $10,749,500 | 4,522 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 3,383 |
| Cost of funding earning assets | 0.2521% | 3,301 |
| Net interest margin | 3.1321% | 3,081 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.7614% | 1,413 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.2962% | 4,366 |
| Return on assets (ROA) | 0.2962% | 4,341 |
| Pretax return on assets | 0.3326% | 4,352 |
| Return on Equity (ROE) | 3.5900% | 4,227 |
| Retained earnings to average equity (ytd only) | 1.8204% | 4,018 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.8261% | 362 |
| Assets per employee ($millions) | 4.0948% | 4,248 |
| Cash dividends to net income (ytd only)* | 49.2308% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 2,358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.6200% | 3,387 |
| Net loans and leases to deposits | 56.3470% | 3,556 |
| Net loans and leases to core deposits | 60.5188% | 3,478 |
| Total domestic deposits to total assets | 91.6100% | 748 |
| Equity capital to assets | 8.3667% | 2,799 |
| Core capital (leverage) ratio | 9.6900% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $21,945,200 | 4,661 |
| Average earning assets | $20,625,200 | 4,633 |
| Average equity | $1,812,800 | 4,687 |
| Average total loans | $10,395,400 | 4,554 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2006% | 3,436 |
| Cost of funding earning assets | 0.2350% | 2,872 |
| Net interest margin | 2.9656% | 3,309 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.4918% | 2,033 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.4004% | 4,242 |
| Return on assets (ROA) | 0.4004% | 4,188 |
| Pretax return on assets | 0.4541% | 4,204 |
| Return on Equity (ROE) | 4.8600% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.8609% | 3,149 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.4000% | 584 |
| Assets per employee ($millions) | 4.2008% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,493 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,892 |
| Noncurrent loans to loans | 0.0193% | 3,783 |
| Net loans and leases to total assets | 48.7400% | 3,551 |
| Net loans and leases to deposits | 52.9728% | 3,669 |
| Net loans and leases to core deposits | 56.7493% | 3,575 |
| Total domestic deposits to total assets | 92.0100% | 870 |
| Equity capital to assets | 7.9461% | 2,929 |
| Core capital (leverage) ratio | 9.4313% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $22,313,000 | 4,698 |
| Average earning assets | $20,995,500 | 4,667 |
| Average equity | $1,837,750 | 4,725 |
| Average total loans | $10,319,750 | 4,589 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9496% | 3,672 |
| Cost of funding earning assets | 0.2054% | 2,848 |
| Net interest margin | 2.7443% | 3,590 |
| Noninterest income to average assets | 0.2022% | 3,985 |
| Noninterest expense to average assets | 2.4089% | 2,200 |
| Loan and lease loss provision to assets | 0.0264% | 2,124 |
| Net operating income to assets | 0.3253% | 4,244 |
| Return on assets (ROA) | 0.3253% | 4,196 |
| Pretax return on assets | 0.3517% | 4,226 |
| Return on Equity (ROE) | 3.9071% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.9071% | 3,116 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4353% | 564 |
| Assets per employee ($millions) | 4.4522% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.9448% | 3,557 |
| Net loans and leases to deposits | 52.1907% | 3,667 |
| Net loans and leases to core deposits | 55.6872% | 3,592 |
| Total domestic deposits to total assets | 91.8647% | 896 |
| Equity capital to assets | 8.0275% | 3,105 |
| Core capital (leverage) ratio | 9.0937% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1811% | 967 |
| Memoranda: | ||
| Average total assets | $22,749,333 | 4,731 |
| Average earning assets | $21,426,333 | 4,713 |
| Average equity | $1,894,000 | 4,750 |
| Average total loans | $10,305,667 | 4,653 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7331% | 3,881 |
| Cost of funding earning assets | 0.2031% | 2,756 |
| Net interest margin | 2.5300% | 3,833 |
| Noninterest income to average assets | 0.2088% | 3,908 |
| Noninterest expense to average assets | 2.3659% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2088% | 4,315 |
| Return on assets (ROA) | 0.2088% | 4,282 |
| Pretax return on assets | 0.2262% | 4,295 |
| Return on Equity (ROE) | 2.4647% | 4,190 |
| Retained earnings to average equity (ytd only) | 2.4647% | 3,416 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2752% | 494 |
| Assets per employee ($millions) | 4.6466% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.8614% | 3,826 |
| Net loans and leases to deposits | 46.5937% | 3,947 |
| Net loans and leases to core deposits | 49.5645% | 3,895 |
| Total domestic deposits to total assets | 91.9898% | 582 |
| Equity capital to assets | 7.9843% | 3,585 |
| Core capital (leverage) ratio | 8.8769% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9349% | 1,057 |
| Memoranda: | ||
| Average total assets | $22,993,500 | 4,752 |
| Average earning assets | $21,660,000 | 4,734 |
| Average equity | $1,947,500 | 4,772 |
| Average total loans | $10,061,500 | 4,682 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7470% | 4,264 |
| Cost of funding earning assets | 0.2421% | 3,029 |
| Net interest margin | 2.5049% | 4,182 |
| Noninterest income to average assets | 0.1987% | 4,170 |
| Noninterest expense to average assets | 2.2978% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2073% | 4,528 |
| Return on assets (ROA) | 0.2073% | 4,546 |
| Pretax return on assets | 0.2246% | 4,552 |
| Return on Equity (ROE) | 2.3317% | 4,461 |
| Retained earnings to average equity (ytd only) | 0.8744% | 4,293 |
| Net charge-offs to loans | 0.0108% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,273 |
| Efficiency ratio | 91.0959% | 291 |
| Assets per employee ($millions) | 4.5508% | 4,076 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 2,999 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,969 |
| Noncurrent loans to loans | 0.0398% | 3,787 |
| Net loans and leases to total assets | 43.6363% | 3,856 |
| Net loans and leases to deposits | 47.9430% | 4,001 |
| Net loans and leases to core deposits | 51.0961% | 3,961 |
| Total domestic deposits to total assets | 91.0170% | 488 |
| Equity capital to assets | 8.9655% | 3,654 |
| Core capital (leverage) ratio | 8.3008% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,152,800 | 4,785 |
| Average earning assets | $21,478,200 | 4,769 |
| Average equity | $2,058,600 | 4,813 |
| Average total loans | $9,240,200 | 4,741 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7433% | 4,364 |
| Cost of funding earning assets | 0.2477% | 3,145 |
| Net interest margin | 2.4956% | 4,283 |
| Noninterest income to average assets | 0.2007% | 4,199 |
| Noninterest expense to average assets | 2.2649% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2408% | 4,586 |
| Return on assets (ROA) | 0.2408% | 4,608 |
| Pretax return on assets | 0.2466% | 4,631 |
| Return on Equity (ROE) | 2.7141% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.5849% | 4,034 |
| Net charge-offs to loans | -0.0590% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1826% | 316 |
| Assets per employee ($millions) | 4.7254% | 3,943 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,581 |
| Loan loss allowance to noncurrent loans | 1,757.1429% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,975 |
| Noncurrent loans to loans | 0.0729% | 3,725 |
| Net loans and leases to total assets | 40.1109% | 4,200 |
| Net loans and leases to deposits | 44.0013% | 4,312 |
| Net loans and leases to core deposits | 46.7700% | 4,289 |
| Total domestic deposits to total assets | 91.1584% | 320 |
| Equity capital to assets | 8.7908% | 4,007 |
| Core capital (leverage) ratio | 8.4893% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,252,500 | 4,859 |
| Average earning assets | $21,530,500 | 4,842 |
| Average equity | $2,063,250 | 4,884 |
| Average total loans | $9,038,500 | 4,812 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7553% | 4,404 |
| Cost of funding earning assets | 0.2522% | 3,263 |
| Net interest margin | 2.5032% | 4,298 |
| Noninterest income to average assets | 0.2075% | 4,162 |
| Noninterest expense to average assets | 2.2484% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2594% | 4,573 |
| Return on assets (ROA) | 0.2594% | 4,591 |
| Pretax return on assets | 0.2767% | 4,610 |
| Return on Equity (ROE) | 2.9145% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.7202% | 3,931 |
| Net charge-offs to loans | -0.0904% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0411% | 365 |
| Assets per employee ($millions) | 4.7496% | 3,886 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,111 |
| Loan loss allowance to noncurrent loans | 2,460.0000% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,136 |
| Noncurrent loans to loans | 0.0556% | 3,899 |
| Net loans and leases to total assets | 37.3252% | 4,414 |
| Net loans and leases to deposits | 40.8856% | 4,494 |
| Net loans and leases to core deposits | 43.4339% | 4,480 |
| Total domestic deposits to total assets | 91.2919% | 286 |
| Equity capital to assets | 8.6913% | 4,053 |
| Core capital (leverage) ratio | 8.6158% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,127,667 | 4,895 |
| Average earning assets | $21,413,000 | 4,878 |
| Average equity | $2,058,667 | 4,920 |
| Average total loans | $8,851,333 | 4,848 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7658% | 4,410 |
| Cost of funding earning assets | 0.2652% | 3,330 |
| Net interest margin | 2.5006% | 4,297 |
| Noninterest income to average assets | 0.2279% | 4,010 |
| Noninterest expense to average assets | 2.3666% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1753% | 4,654 |
| Return on assets (ROA) | 0.1753% | 4,677 |
| Pretax return on assets | 0.1753% | 4,686 |
| Return on Equity (ROE) | 1.9455% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.5564% | 4,107 |
| Net charge-offs to loans | -0.1822% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1034% | 299 |
| Assets per employee ($millions) | 4.7496% | 3,888 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 2,046 |
| Loan loss allowance to noncurrent loans | 473.0769% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 3,626 |
| Noncurrent loans to loans | 0.2918% | 3,059 |
| Net loans and leases to total assets | 36.9968% | 4,459 |
| Net loans and leases to deposits | 40.4773% | 4,549 |
| Net loans and leases to core deposits | 42.9928% | 4,528 |
| Total domestic deposits to total assets | 91.4014% | 260 |
| Equity capital to assets | 8.5734% | 4,066 |
| Core capital (leverage) ratio | 8.8380% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,817,500 | 4,923 |
| Average earning assets | $21,115,000 | 4,907 |
| Average equity | $2,056,000 | 4,946 |
| Average total loans | $8,783,500 | 4,874 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 4,156 |
| Cost of funding earning assets | 0.4043% | 3,552 |
| Net interest margin | 3.0245% | 3,832 |
| Noninterest income to average assets | 0.2507% | 3,985 |
| Noninterest expense to average assets | 2.6729% | 2,319 |
| Loan and lease loss provision to assets | 0.0802% | 3,373 |
| Net operating income to assets | 0.2658% | 4,484 |
| Return on assets (ROA) | 0.2658% | 4,547 |
| Pretax return on assets | 0.3109% | 4,531 |
| Return on Equity (ROE) | 2.5535% | 4,471 |
| Retained earnings to average equity (ytd only) | 1.2526% | 4,125 |
| Net charge-offs to loans | 0.0370% | 2,313 |
| Credit loss provision to net charge-offs | 533.3333% | 1,202 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,729 |
| Efficiency ratio | 87.2340% | 481 |
| Assets per employee ($millions) | 4.3774% | 4,033 |
| Cash dividends to net income (ytd only)* | 50.9434% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 2,084 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 3,646 |
| Noncurrent loans to loans | 0.3234% | 3,044 |
| Net loans and leases to total assets | 39.0140% | 4,476 |
| Net loans and leases to deposits | 43.1524% | 4,554 |
| Net loans and leases to core deposits | 46.1044% | 4,544 |
| Total domestic deposits to total assets | 90.4098% | 411 |
| Equity capital to assets | 9.4851% | 3,630 |
| Core capital (leverage) ratio | 9.3537% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,940,600 | 4,956 |
| Average earning assets | $18,548,800 | 4,939 |
| Average equity | $2,075,600 | 4,970 |
| Average total loans | $8,101,200 | 4,916 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 4,090 |
| Cost of funding earning assets | 0.4256% | 3,665 |
| Net interest margin | 3.1409% | 3,642 |
| Noninterest income to average assets | 0.2604% | 3,916 |
| Noninterest expense to average assets | 2.5701% | 2,627 |
| Loan and lease loss provision to assets | 0.0822% | 3,287 |
| Net operating income to assets | 0.4592% | 4,151 |
| Return on assets (ROA) | 0.4592% | 4,218 |
| Pretax return on assets | 0.5414% | 4,203 |
| Return on Equity (ROE) | 4.3041% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.9829% | 3,057 |
| Net charge-offs to loans | 0.0502% | 1,895 |
| Credit loss provision to net charge-offs | 400.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,570 |
| Efficiency ratio | 80.4721% | 841 |
| Assets per employee ($millions) | 4.0354% | 4,286 |
| Cash dividends to net income (ytd only)* | 7.4627% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,779 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,414 |
| Noncurrent loans to loans | 0.0363% | 4,247 |
| Net loans and leases to total assets | 40.4322% | 4,554 |
| Net loans and leases to deposits | 45.2619% | 4,625 |
| Net loans and leases to core deposits | 47.9600% | 4,624 |
| Total domestic deposits to total assets | 89.3294% | 636 |
| Equity capital to assets | 10.4921% | 2,797 |
| Core capital (leverage) ratio | 10.2550% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,454,000 | 4,986 |
| Average earning assets | $18,168,500 | 4,972 |
| Average equity | $2,075,500 | 5,000 |
| Average total loans | $7,962,000 | 4,952 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,078 |
| Cost of funding earning assets | 0.4563% | 3,762 |
| Net interest margin | 3.2497% | 3,524 |
| Noninterest income to average assets | 0.2915% | 3,722 |
| Noninterest expense to average assets | 2.5504% | 2,825 |
| Loan and lease loss provision to assets | 0.1145% | 2,876 |
| Net operating income to assets | 0.5829% | 3,793 |
| Return on assets (ROA) | 0.5829% | 3,876 |
| Pretax return on assets | 0.6662% | 3,939 |
| Return on Equity (ROE) | 5.4325% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.9475% | 2,502 |
| Net charge-offs to loans | 0.0764% | 1,488 |
| Credit loss provision to net charge-offs | 366.6667% | 1,475 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,563 |
| Efficiency ratio | 76.5625% | 1,215 |
| Assets per employee ($millions) | 3.8362% | 4,442 |
| Cash dividends to net income (ytd only)* | 8.9286% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,585 |
| Loan loss allowance to noncurrent loans | 407.1429% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 3,793 |
| Noncurrent loans to loans | 0.3440% | 3,164 |
| Net loans and leases to total assets | 41.8435% | 4,533 |
| Net loans and leases to deposits | 47.1120% | 4,619 |
| Net loans and leases to core deposits | 50.0874% | 4,619 |
| Total domestic deposits to total assets | 88.8171% | 817 |
| Equity capital to assets | 11.0109% | 2,334 |
| Core capital (leverage) ratio | 10.3846% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,213,000 | 5,018 |
| Average earning assets | $17,970,667 | 5,004 |
| Average equity | $2,061,667 | 5,032 |
| Average total loans | $7,858,333 | 4,985 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 4,017 |
| Cost of funding earning assets | 0.4661% | 4,083 |
| Net interest margin | 3.4405% | 3,186 |
| Noninterest income to average assets | 0.2288% | 4,182 |
| Noninterest expense to average assets | 2.6002% | 2,980 |
| Loan and lease loss provision to assets | 0.0624% | 2,985 |
| Net operating income to assets | 0.6865% | 3,316 |
| Return on assets (ROA) | 0.6865% | 3,388 |
| Pretax return on assets | 0.7905% | 3,437 |
| Return on Equity (ROE) | 6.4817% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.4817% | 1,716 |
| Net charge-offs to loans | 0.2592% | 568 |
| Credit loss provision to net charge-offs | 60.0000% | 2,017 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,878 |
| Efficiency ratio | 75.3012% | 1,644 |
| Assets per employee ($millions) | 3.9628% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 1,967 |
| Loan loss allowance to noncurrent loans | 297.1429% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 3,786 |
| Noncurrent loans to loans | 0.4501% | 2,900 |
| Net loans and leases to total assets | 38.7201% | 4,706 |
| Net loans and leases to deposits | 43.3324% | 4,776 |
| Net loans and leases to core deposits | 45.9511% | 4,775 |
| Total domestic deposits to total assets | 89.3560% | 530 |
| Equity capital to assets | 10.5128% | 3,306 |
| Core capital (leverage) ratio | 10.3595% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,229,000 | 5,067 |
| Average earning assets | $18,020,500 | 5,050 |
| Average equity | $2,036,500 | 5,080 |
| Average total loans | $7,717,500 | 5,033 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,542 |
| Cost of funding earning assets | 0.3932% | 4,461 |
| Net interest margin | 3.4237% | 3,669 |
| Noninterest income to average assets | 0.2469% | 4,204 |
| Noninterest expense to average assets | 2.8507% | 2,437 |
| Loan and lease loss provision to assets | 0.0673% | 2,668 |
| Net operating income to assets | 0.4209% | 4,559 |
| Return on assets (ROA) | 0.4209% | 4,588 |
| Pretax return on assets | 0.5051% | 4,567 |
| Return on Equity (ROE) | 3.8465% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.5131% | 3,773 |
| Net charge-offs to loans | 0.0727% | 2,058 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,936 |
| Efficiency ratio | 83.2787% | 705 |
| Assets per employee ($millions) | 3.7288% | 4,233 |
| Cash dividends to net income (ytd only)* | 34.6667% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,579 |
| Loan loss allowance to noncurrent loans | 963.6364% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,326 |
| Noncurrent loans to loans | 0.1436% | 3,952 |
| Net loans and leases to total assets | 40.5117% | 4,717 |
| Net loans and leases to deposits | 45.3688% | 4,801 |
| Net loans and leases to core deposits | 47.7373% | 4,799 |
| Total domestic deposits to total assets | 89.2941% | 561 |
| Equity capital to assets | 10.6737% | 3,284 |
| Core capital (leverage) ratio | 10.5780% | 2,876 |
| Tier 1 risk-based capital ratio | 21.4763% | 1,087 |
| Total risk-based capital ratio | 22.6185% | 1,086 |
| Memoranda: | ||
| Average total assets | $17,820,000 | 5,136 |
| Average earning assets | $16,532,000 | 5,124 |
| Average equity | $1,949,800 | 5,143 |
| Average total loans | $6,874,000 | 5,109 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 4,650 |
| Cost of funding earning assets | 0.3607% | 4,626 |
| Net interest margin | 3.4596% | 3,700 |
| Noninterest income to average assets | 0.2650% | 4,156 |
| Noninterest expense to average assets | 2.6947% | 2,883 |
| Loan and lease loss provision to assets | 0.0681% | 2,520 |
| Net operating income to assets | 0.5828% | 4,335 |
| Return on assets (ROA) | 0.5828% | 4,384 |
| Pretax return on assets | 0.6964% | 4,351 |
| Return on Equity (ROE) | 5.2924% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.1553% | 2,816 |
| Net charge-offs to loans | 0.1198% | 1,301 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 16.8325% | 2,122 |
| Efficiency ratio | 77.8993% | 1,114 |
| Assets per employee ($millions) | 3.6274% | 4,364 |
| Cash dividends to net income (ytd only)* | 2.6008% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.4263% | 4,882 |
| Net loans and leases to deposits | 42.2061% | 4,953 |
| Net loans and leases to core deposits | 44.4881% | 4,949 |
| Total domestic deposits to total assets | 88.6751% | 756 |
| Equity capital to assets | 11.2257% | 2,900 |
| Core capital (leverage) ratio | 11.1608% | 2,503 |
| Tier 1 risk-based capital ratio | 24.5625% | 801 |
| Total risk-based capital ratio | 25.8021% | 785 |
| Memoranda: | ||
| Average total assets | $17,614,000 | 5,217 |
| Average earning assets | $16,263,500 | 5,206 |
| Average equity | $1,939,750 | 5,221 |
| Average total loans | $6,677,750 | 5,190 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,649 |
| Cost of funding earning assets | 0.3596% | 4,656 |
| Net interest margin | 3.4845% | 3,645 |
| Noninterest income to average assets | 0.2638% | 4,176 |
| Noninterest expense to average assets | 2.6835% | 2,960 |
| Loan and lease loss provision to assets | 0.0803% | 2,226 |
| Net operating income to assets | 0.6193% | 4,253 |
| Return on assets (ROA) | 0.6193% | 4,297 |
| Pretax return on assets | 0.7225% | 4,276 |
| Return on Equity (ROE) | 5.6614% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.6614% | 2,443 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9737% | 1,270 |
| Assets per employee ($millions) | 3.4546% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,177 |
| Loan loss allowance to noncurrent loans | 963.6364% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 4,437 |
| Noncurrent loans to loans | 0.1591% | 3,974 |
| Net loans and leases to total assets | 39.4025% | 4,866 |
| Net loans and leases to deposits | 45.0073% | 4,927 |
| Net loans and leases to core deposits | 47.6011% | 4,920 |
| Total domestic deposits to total assets | 87.5470% | 1,317 |
| Equity capital to assets | 11.6251% | 2,504 |
| Core capital (leverage) ratio | 11.0932% | 2,509 |
| Tier 1 risk-based capital ratio | 25.0188% | 757 |
| Total risk-based capital ratio | 26.2697% | 736 |
| Memoranda: | ||
| Average total assets | $17,439,670 | 5,266 |
| Average earning assets | $16,128,670 | 5,254 |
| Average equity | $1,907,670 | 5,268 |
| Average total loans | $6,607,000 | 5,238 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,892 |
| Cost of funding earning assets | 0.3199% | 4,780 |
| Net interest margin | 3.3464% | 4,040 |
| Noninterest income to average assets | 0.2511% | 4,212 |
| Noninterest expense to average assets | 2.8077% | 2,541 |
| Loan and lease loss provision to assets | 0.0457% | 2,733 |
| Net operating income to assets | 0.4565% | 4,627 |
| Return on assets (ROA) | 0.4565% | 4,643 |
| Pretax return on assets | 0.5022% | 4,677 |
| Return on Equity (ROE) | 4.3069% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.3069% | 3,200 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6735% | 735 |
| Assets per employee ($millions) | 3.6590% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 1,159 |
| Loan loss allowance to noncurrent loans | 144.2857% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 3,057 |
| Noncurrent loans to loans | 1.0789% | 1,542 |
| Net loans and leases to total assets | 34.9112% | 5,052 |
| Net loans and leases to deposits | 38.9736% | 5,095 |
| Net loans and leases to core deposits | 41.0317% | 5,094 |
| Total domestic deposits to total assets | 89.5764% | 612 |
| Equity capital to assets | 10.4072% | 3,410 |
| Core capital (leverage) ratio | 11.2266% | 2,368 |
| Tier 1 risk-based capital ratio | 24.3618% | 813 |
| Total risk-based capital ratio | 25.6010% | 793 |
| Memoranda: | ||
| Average total assets | $17,523,000 | 5,321 |
| Average earning assets | $16,256,500 | 5,307 |
| Average equity | $1,857,500 | 5,325 |
| Average total loans | $6,454,500 | 5,298 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 4,907 |
| Cost of funding earning assets | 0.2092% | 4,970 |
| Net interest margin | 3.2965% | 4,266 |
| Noninterest income to average assets | 0.3383% | 3,853 |
| Noninterest expense to average assets | 2.9517% | 2,183 |
| Loan and lease loss provision to assets | 0.0583% | 2,996 |
| Net operating income to assets | 0.3092% | 4,992 |
| Return on assets (ROA) | 0.3092% | 4,987 |
| Pretax return on assets | 0.3617% | 4,977 |
| Return on Equity (ROE) | 2.9308% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.3271% | 4,602 |
| Net charge-offs to loans | -0.0812% | 5,102 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5433% | 452 |
| Assets per employee ($millions) | 3.3502% | 4,703 |
| Cash dividends to net income (ytd only)* | 54.7170% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,171 |
| Loan loss allowance to noncurrent loans | 202.0408% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,407 |
| Noncurrent loans to loans | 0.7631% | 2,095 |
| Net loans and leases to total assets | 37.7410% | 5,022 |
| Net loans and leases to deposits | 42.3443% | 5,069 |
| Net loans and leases to core deposits | 44.8083% | 5,067 |
| Total domestic deposits to total assets | 89.1290% | 806 |
| Equity capital to assets | 10.8113% | 2,878 |
| Core capital (leverage) ratio | 11.6709% | 1,978 |
| Tier 1 risk-based capital ratio | 28.6092% | 531 |
| Total risk-based capital ratio | 29.8589% | 525 |
| Memoranda: | ||
| Average total assets | $17,142,800 | 5,365 |
| Average earning assets | $15,774,200 | 5,355 |
| Average equity | $1,808,400 | 5,371 |
| Average total loans | $6,160,000 | 5,344 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 4,948 |
| Cost of funding earning assets | 0.1932% | 5,043 |
| Net interest margin | 3.2844% | 4,327 |
| Noninterest income to average assets | 0.3403% | 3,870 |
| Noninterest expense to average assets | 2.7686% | 2,748 |
| Loan and lease loss provision to assets | 0.0696% | 2,579 |
| Net operating income to assets | 0.4485% | 4,856 |
| Return on assets (ROA) | 0.4485% | 4,862 |
| Pretax return on assets | 0.5258% | 4,864 |
| Return on Equity (ROE) | 4.2777% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.2777% | 3,631 |
| Net charge-offs to loans | -0.2187% | 5,316 |
| Credit loss provision to net charge-offs | -90.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2989% | 758 |
| Assets per employee ($millions) | 3.2918% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 984 |
| Loan loss allowance to noncurrent loans | 239.5349% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 3,645 |
| Noncurrent loans to loans | 0.6850% | 2,368 |
| Net loans and leases to total assets | 37.5114% | 5,094 |
| Net loans and leases to deposits | 42.7977% | 5,135 |
| Net loans and leases to core deposits | 45.3770% | 5,128 |
| Total domestic deposits to total assets | 87.6481% | 1,418 |
| Equity capital to assets | 10.8937% | 2,761 |
| Core capital (leverage) ratio | 11.7679% | 1,939 |
| Tier 1 risk-based capital ratio | 28.7228% | 531 |
| Total risk-based capital ratio | 29.9710% | 526 |
| Memoranda: | ||
| Average total assets | $17,240,750 | 5,435 |
| Average earning assets | $15,872,500 | 5,424 |
| Average equity | $1,807,750 | 5,441 |
| Average total loans | $6,094,750 | 5,417 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 5,012 |
| Cost of funding earning assets | 0.1992% | 5,034 |
| Net interest margin | 3.2245% | 4,450 |
| Noninterest income to average assets | 0.3314% | 3,966 |
| Noninterest expense to average assets | 2.7198% | 2,942 |
| Loan and lease loss provision to assets | 0.0686% | 2,509 |
| Net operating income to assets | 0.4457% | 4,867 |
| Return on assets (ROA) | 0.4457% | 4,872 |
| Pretax return on assets | 0.5028% | 4,901 |
| Return on Equity (ROE) | 4.3030% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.3030% | 3,451 |
| Net charge-offs to loans | -0.0994% | 5,157 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6389% | 792 |
| Assets per employee ($millions) | 3.3958% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,358 |
| Loan loss allowance to noncurrent loans | 216.2791% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,749 |
| Noncurrent loans to loans | 0.6993% | 2,361 |
| Net loans and leases to total assets | 35.6676% | 5,191 |
| Net loans and leases to deposits | 39.9472% | 5,245 |
| Net loans and leases to core deposits | 42.2286% | 5,236 |
| Total domestic deposits to total assets | 89.2868% | 823 |
| Equity capital to assets | 10.6426% | 2,977 |
| Core capital (leverage) ratio | 11.1124% | 2,428 |
| Tier 1 risk-based capital ratio | 24.9206% | 740 |
| Total risk-based capital ratio | 26.1019% | 727 |
| Memoranda: | ||
| Average total assets | $17,501,330 | 5,498 |
| Average earning assets | $16,064,670 | 5,486 |
| Average equity | $1,812,670 | 5,504 |
| Average total loans | $6,034,000 | 5,479 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 5,160 |
| Cost of funding earning assets | 0.1726% | 5,150 |
| Net interest margin | 3.1063% | 4,697 |
| Noninterest income to average assets | 0.3153% | 4,046 |
| Noninterest expense to average assets | 2.6798% | 3,099 |
| Loan and lease loss provision to assets | 0.0450% | 2,867 |
| Net operating income to assets | 0.3828% | 4,959 |
| Return on assets (ROA) | 0.3828% | 4,965 |
| Pretax return on assets | 0.4279% | 4,988 |
| Return on Equity (ROE) | 3.7455% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.7455% | 3,697 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 713 |
| Assets per employee ($millions) | 3.6494% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,685 |
| Loan loss allowance to noncurrent loans | 344.0000% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,407 |
| Noncurrent loans to loans | 0.4195% | 3,278 |
| Net loans and leases to total assets | 32.1861% | 5,322 |
| Net loans and leases to deposits | 35.6978% | 5,364 |
| Net loans and leases to core deposits | 37.5632% | 5,360 |
| Total domestic deposits to total assets | 90.1628% | 595 |
| Equity capital to assets | 9.7989% | 3,794 |
| Core capital (leverage) ratio | 11.1997% | 2,247 |
| Tier 1 risk-based capital ratio | 16.2395% | 2,377 |
| Total risk-based capital ratio | 16.9598% | 2,537 |
| Memoranda: | ||
| Average total assets | $17,762,500 | 5,559 |
| Average earning assets | $16,225,000 | 5,550 |
| Average equity | $1,815,500 | 5,563 |
| Average total loans | $5,976,500 | 5,543 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0104% | 5,348 |
| Cost of funding earning assets | 0.1893% | 5,025 |
| Net interest margin | 2.8211% | 5,145 |
| Noninterest income to average assets | 0.3557% | 3,923 |
| Noninterest expense to average assets | 2.6647% | 3,245 |
| Loan and lease loss provision to assets | 0.0226% | 3,847 |
| Net operating income to assets | 0.2540% | 5,015 |
| Return on assets (ROA) | 0.2540% | 5,031 |
| Pretax return on assets | 0.2766% | 5,235 |
| Return on Equity (ROE) | 2.4220% | 4,969 |
| Retained earnings to average equity (ytd only) | 0.9150% | 4,654 |
| Net charge-offs to loans | 0.4135% | 601 |
| Credit loss provision to net charge-offs | 17.3913% | 3,628 |
| Earnings coverage of net charge-offs (x) | 2.3043% | 3,761 |
| Efficiency ratio | 89.9048% | 436 |
| Assets per employee ($millions) | 3.4556% | 4,759 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,763 |
| Loan loss allowance to noncurrent loans | 262.5000% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 4,202 |
| Noncurrent loans to loans | 0.5339% | 2,902 |
| Net loans and leases to total assets | 34.2053% | 5,340 |
| Net loans and leases to deposits | 38.2970% | 5,383 |
| Net loans and leases to core deposits | 40.4351% | 5,377 |
| Total domestic deposits to total assets | 89.3159% | 862 |
| Equity capital to assets | 10.6667% | 2,976 |
| Core capital (leverage) ratio | 11.0409% | 2,302 |
| Tier 1 risk-based capital ratio | 16.5605% | 2,246 |
| Total risk-based capital ratio | 17.2838% | 2,361 |
| Memoranda: | ||
| Average total assets | $17,713,200 | 5,621 |
| Average earning assets | $16,376,400 | 5,610 |
| Average equity | $1,858,000 | 5,619 |
| Average total loans | $5,562,600 | 5,614 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9243% | 5,467 |
| Cost of funding earning assets | 0.1853% | 5,092 |
| Net interest margin | 2.7390% | 5,289 |
| Noninterest income to average assets | 0.3591% | 3,960 |
| Noninterest expense to average assets | 2.5137% | 3,687 |
| Loan and lease loss provision to assets | 0.0150% | 3,845 |
| Net operating income to assets | 0.3367% | 5,144 |
| Return on assets (ROA) | 0.3367% | 5,172 |
| Pretax return on assets | 0.3741% | 5,228 |
| Return on Equity (ROE) | 3.2228% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.2228% | 4,006 |
| Net charge-offs to loans | 0.1956% | 1,087 |
| Credit loss provision to net charge-offs | 25.0000% | 3,118 |
| Earnings coverage of net charge-offs (x) | 6.4977% | 2,980 |
| Efficiency ratio | 86.5979% | 594 |
| Assets per employee ($millions) | 3.4714% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 933 |
| Loan loss allowance to noncurrent loans | 215.5556% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 4,025 |
| Noncurrent loans to loans | 0.8132% | 2,330 |
| Net loans and leases to total assets | 31.3245% | 5,467 |
| Net loans and leases to deposits | 35.2503% | 5,507 |
| Net loans and leases to core deposits | 37.2168% | 5,507 |
| Total domestic deposits to total assets | 88.8633% | 943 |
| Equity capital to assets | 11.0157% | 2,849 |
| Core capital (leverage) ratio | 11.3503% | 2,143 |
| Tier 1 risk-based capital ratio | 16.2909% | 2,383 |
| Total risk-based capital ratio | 17.1009% | 2,501 |
| Memoranda: | ||
| Average total assets | $17,822,000 | 5,686 |
| Average earning assets | $16,550,500 | 5,675 |
| Average equity | $1,861,750 | 5,684 |
| Average total loans | $5,454,750 | 5,679 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8543% | 5,531 |
| Cost of funding earning assets | 0.1919% | 5,053 |
| Net interest margin | 2.6624% | 5,400 |
| Noninterest income to average assets | 0.3560% | 4,012 |
| Noninterest expense to average assets | 2.4587% | 3,896 |
| Loan and lease loss provision to assets | 0.0111% | 3,726 |
| Net operating income to assets | 0.3338% | 5,141 |
| Return on assets (ROA) | 0.3338% | 5,164 |
| Pretax return on assets | 0.3560% | 5,260 |
| Return on Equity (ROE) | 3.2520% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.2520% | 3,780 |
| Net charge-offs to loans | 0.2947% | 692 |
| Credit loss provision to net charge-offs | 12.5000% | 2,832 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,976 |
| Efficiency ratio | 87.0079% | 606 |
| Assets per employee ($millions) | 3.4584% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 988 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,704 |
| Noncurrent loans to loans | 0.3816% | 3,653 |
| Net loans and leases to total assets | 31.2688% | 5,520 |
| Net loans and leases to deposits | 35.1721% | 5,550 |
| Net loans and leases to core deposits | 37.1385% | 5,552 |
| Total domestic deposits to total assets | 88.9024% | 1,007 |
| Equity capital to assets | 10.9993% | 2,804 |
| Core capital (leverage) ratio | 10.8879% | 2,521 |
| Tier 1 risk-based capital ratio | 16.2020% | 2,429 |
| Total risk-based capital ratio | 17.0058% | 2,536 |
| Memoranda: | ||
| Average total assets | $17,977,000 | 5,732 |
| Average earning assets | $16,676,670 | 5,722 |
| Average equity | $1,845,000 | 5,735 |
| Average total loans | $5,428,330 | 5,727 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7806% | 5,611 |
| Cost of funding earning assets | 0.1885% | 5,082 |
| Net interest margin | 2.5920% | 5,474 |
| Noninterest income to average assets | 0.3275% | 4,202 |
| Noninterest expense to average assets | 2.5328% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1965% | 5,398 |
| Return on assets (ROA) | 0.1965% | 5,412 |
| Pretax return on assets | 0.1965% | 5,438 |
| Return on Equity (ROE) | 1.9818% | 5,338 |
| Retained earnings to average equity (ytd only) | 1.9818% | 4,342 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8000% | 419 |
| Assets per employee ($millions) | 3.7362% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 863 |
| Loan loss allowance to noncurrent loans | 133.7662% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 3,538 |
| Noncurrent loans to loans | 1.3869% | 1,455 |
| Net loans and leases to total assets | 29.1687% | 5,604 |
| Net loans and leases to deposits | 32.3575% | 5,650 |
| Net loans and leases to core deposits | 33.9989% | 5,646 |
| Total domestic deposits to total assets | 90.1451% | 601 |
| Equity capital to assets | 9.8121% | 3,962 |
| Core capital (leverage) ratio | 10.9912% | 2,367 |
| Tier 1 risk-based capital ratio | 16.3381% | 2,416 |
| Total risk-based capital ratio | 17.1985% | 2,518 |
| Memoranda: | ||
| Average total assets | $18,319,500 | 5,799 |
| Average earning assets | $16,975,000 | 5,786 |
| Average equity | $1,816,500 | 5,804 |
| Average total loans | $5,391,000 | 5,794 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8174% | 5,634 |
| Cost of funding earning assets | 0.1713% | 5,279 |
| Net interest margin | 2.6461% | 5,476 |
| Noninterest income to average assets | 0.3830% | 4,014 |
| Noninterest expense to average assets | 2.6698% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1998% | 5,417 |
| Return on assets (ROA) | 0.1998% | 5,471 |
| Pretax return on assets | 0.1998% | 5,497 |
| Return on Equity (ROE) | 1.9270% | 5,419 |
| Retained earnings to average equity (ytd only) | 0.4282% | 5,152 |
| Net charge-offs to loans | 0.0963% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 3,055 |
| Efficiency ratio | 93.0368% | 421 |
| Assets per employee ($millions) | 3.5916% | 4,620 |
| Cash dividends to net income (ytd only)* | 77.7778% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 693 |
| Loan loss allowance to noncurrent loans | 166.1290% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 3,901 |
| Noncurrent loans to loans | 1.1855% | 1,731 |
| Net loans and leases to total assets | 28.5499% | 5,668 |
| Net loans and leases to deposits | 31.7422% | 5,715 |
| Net loans and leases to core deposits | 33.4224% | 5,713 |
| Total domestic deposits to total assets | 89.9432% | 656 |
| Equity capital to assets | 10.0234% | 3,696 |
| Core capital (leverage) ratio | 10.6428% | 2,727 |
| Tier 1 risk-based capital ratio | 16.7968% | 2,230 |
| Total risk-based capital ratio | 17.6809% | 2,313 |
| Memoranda: | ||
| Average total assets | $18,016,600 | 5,856 |
| Average earning assets | $16,930,400 | 5,840 |
| Average equity | $1,868,200 | 5,857 |
| Average total loans | $5,191,000 | 5,854 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8463% | 5,696 |
| Cost of funding earning assets | 0.1647% | 5,387 |
| Net interest margin | 2.6816% | 5,513 |
| Noninterest income to average assets | 0.3919% | 3,980 |
| Noninterest expense to average assets | 2.5954% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3032% | 5,278 |
| Return on assets (ROA) | 0.3032% | 5,364 |
| Pretax return on assets | 0.3254% | 5,424 |
| Return on Equity (ROE) | 2.8999% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.8999% | 4,159 |
| Net charge-offs to loans | 0.0772% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.6675% | 2,229 |
| Efficiency ratio | 88.8608% | 621 |
| Assets per employee ($millions) | 3.5956% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 713 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,656 |
| Noncurrent loans to loans | 0.6709% | 3,015 |
| Net loans and leases to total assets | 28.4348% | 5,745 |
| Net loans and leases to deposits | 31.9680% | 5,788 |
| Net loans and leases to core deposits | 33.6759% | 5,786 |
| Total domestic deposits to total assets | 88.9476% | 934 |
| Equity capital to assets | 10.9078% | 3,117 |
| Core capital (leverage) ratio | 10.7323% | 2,748 |
| Tier 1 risk-based capital ratio | 16.8888% | 2,263 |
| Total risk-based capital ratio | 17.8033% | 2,348 |
| Memoranda: | ||
| Average total assets | $18,031,250 | 5,921 |
| Average earning assets | $17,004,250 | 5,901 |
| Average equity | $1,885,250 | 5,919 |
| Average total loans | $5,181,250 | 5,920 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7988% | 5,801 |
| Cost of funding earning assets | 0.1653% | 5,455 |
| Net interest margin | 2.6334% | 5,634 |
| Noninterest income to average assets | 0.3657% | 4,143 |
| Noninterest expense to average assets | 2.5708% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2438% | 5,439 |
| Return on assets (ROA) | 0.2438% | 5,507 |
| Pretax return on assets | 0.2659% | 5,541 |
| Return on Equity (ROE) | 2.3656% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.3656% | 4,373 |
| Net charge-offs to loans | 0.0774% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,216 |
| Efficiency ratio | 90.6250% | 570 |
| Assets per employee ($millions) | 3.5794% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1444% | 584 |
| Loan loss allowance to noncurrent loans | 302.8571% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,703 |
| Noncurrent loans to loans | 0.7081% | 2,954 |
| Net loans and leases to total assets | 27.0269% | 5,848 |
| Net loans and leases to deposits | 30.3717% | 5,878 |
| Net loans and leases to core deposits | 31.9992% | 5,870 |
| Total domestic deposits to total assets | 88.9870% | 925 |
| Equity capital to assets | 10.8789% | 3,194 |
| Core capital (leverage) ratio | 10.2888% | 3,213 |
| Tier 1 risk-based capital ratio | 18.5974% | 1,778 |
| Total risk-based capital ratio | 19.6242% | 1,793 |
| Memoranda: | ||
| Average total assets | $18,049,000 | 5,995 |
| Average earning assets | $16,936,000 | 5,978 |
| Average equity | $1,860,000 | 5,997 |
| Average total loans | $5,169,330 | 5,998 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9046% | 5,779 |
| Cost of funding earning assets | 0.1667% | 5,495 |
| Net interest margin | 2.7379% | 5,557 |
| Noninterest income to average assets | 0.3752% | 4,036 |
| Noninterest expense to average assets | 2.5159% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3531% | 5,134 |
| Return on assets (ROA) | 0.3531% | 5,221 |
| Pretax return on assets | 0.3972% | 5,312 |
| Return on Equity (ROE) | 3.5233% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,732 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 947 |
| Assets per employee ($millions) | 3.7854% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 732 |
| Loan loss allowance to noncurrent loans | 138.4615% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 3,939 |
| Noncurrent loans to loans | 1.4940% | 1,573 |
| Net loans and leases to total assets | 27.0143% | 5,893 |
| Net loans and leases to deposits | 30.0059% | 5,928 |
| Net loans and leases to core deposits | 31.4995% | 5,925 |
| Total domestic deposits to total assets | 90.0301% | 585 |
| Equity capital to assets | 9.8853% | 4,234 |
| Core capital (leverage) ratio | 10.5597% | 2,898 |
| Tier 1 risk-based capital ratio | 24.3137% | 888 |
| Total risk-based capital ratio | 25.5592% | 872 |
| Memoranda: | ||
| Average total assets | $18,125,000 | 6,056 |
| Average earning assets | $16,801,000 | 6,042 |
| Average equity | $1,816,500 | 6,062 |
| Average total loans | $5,282,500 | 6,056 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9694% | 5,751 |
| Cost of funding earning assets | 0.1768% | 5,489 |
| Net interest margin | 2.7926% | 5,527 |
| Noninterest income to average assets | 0.3603% | 4,323 |
| Noninterest expense to average assets | 2.6794% | 3,653 |
| Loan and lease loss provision to assets | 0.0169% | 4,072 |
| Net operating income to assets | 0.2252% | 5,525 |
| Return on assets (ROA) | 0.2252% | 5,589 |
| Pretax return on assets | 0.2420% | 5,626 |
| Return on Equity (ROE) | 2.2875% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.6291% | 5,265 |
| Net charge-offs to loans | 0.1149% | 2,223 |
| Credit loss provision to net charge-offs | 50.0000% | 3,400 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 3,051 |
| Efficiency ratio | 91.1877% | 619 |
| Assets per employee ($millions) | 3.4646% | 4,885 |
| Cash dividends to net income (ytd only)* | 72.5000% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 772 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 4,134 |
| Noncurrent loans to loans | 1.1789% | 2,000 |
| Net loans and leases to total assets | 30.2257% | 5,882 |
| Net loans and leases to deposits | 33.6807% | 5,937 |
| Net loans and leases to core deposits | 35.5248% | 5,931 |
| Total domestic deposits to total assets | 89.7420% | 733 |
| Equity capital to assets | 10.1714% | 3,780 |
| Core capital (leverage) ratio | 10.8848% | 2,511 |
| Tier 1 risk-based capital ratio | 25.4870% | 776 |
| Total risk-based capital ratio | 26.7365% | 757 |
| Memoranda: | ||
| Average total assets | $17,765,400 | 6,119 |
| Average earning assets | $16,400,600 | 6,104 |
| Average equity | $1,748,600 | 6,125 |
| Average total loans | $5,221,800 | 6,115 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9718% | 5,830 |
| Cost of funding earning assets | 0.1776% | 5,574 |
| Net interest margin | 2.7942% | 5,590 |
| Noninterest income to average assets | 0.3655% | 4,318 |
| Noninterest expense to average assets | 2.5882% | 3,920 |
| Loan and lease loss provision to assets | 0.0224% | 3,828 |
| Net operating income to assets | 0.3133% | 5,415 |
| Return on assets (ROA) | 0.3133% | 5,500 |
| Pretax return on assets | 0.3356% | 5,585 |
| Return on Equity (ROE) | 3.2087% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.2087% | 4,179 |
| Net charge-offs to loans | 0.0256% | 3,426 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 48.1203% | 1,085 |
| Efficiency ratio | 87.8481% | 851 |
| Assets per employee ($millions) | 3.3452% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2027% | 659 |
| Loan loss allowance to noncurrent loans | 353.1250% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 4,982 |
| Noncurrent loans to loans | 0.6238% | 3,450 |
| Net loans and leases to total assets | 29.9952% | 5,972 |
| Net loans and leases to deposits | 33.7323% | 6,020 |
| Net loans and leases to core deposits | 35.6625% | 6,021 |
| Total domestic deposits to total assets | 88.9214% | 1,067 |
| Equity capital to assets | 10.8992% | 3,129 |
| Core capital (leverage) ratio | 10.7254% | 2,794 |
| Tier 1 risk-based capital ratio | 26.3748% | 737 |
| Total risk-based capital ratio | 27.6334% | 718 |
| Memoranda: | ||
| Average total assets | $17,876,000 | 6,204 |
| Average earning assets | $16,510,000 | 6,187 |
| Average equity | $1,745,250 | 6,212 |
| Average total loans | $5,191,250 | 6,197 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9174% | 5,928 |
| Cost of funding earning assets | 0.1667% | 5,728 |
| Net interest margin | 2.7507% | 5,706 |
| Noninterest income to average assets | 0.3396% | 4,526 |
| Noninterest expense to average assets | 2.5302% | 4,140 |
| Loan and lease loss provision to assets | 0.0329% | 3,461 |
| Net operating income to assets | 0.2848% | 5,483 |
| Return on assets (ROA) | 0.2848% | 5,570 |
| Pretax return on assets | 0.3067% | 5,651 |
| Return on Equity (ROE) | 3.0244% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.0244% | 4,118 |
| Net charge-offs to loans | 0.1535% | 1,563 |
| Credit loss provision to net charge-offs | 75.0000% | 2,399 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,640 |
| Efficiency ratio | 88.1679% | 899 |
| Assets per employee ($millions) | 3.7520% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 647 |
| Loan loss allowance to noncurrent loans | 687.5000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 5,523 |
| Noncurrent loans to loans | 0.3321% | 4,498 |
| Net loans and leases to total assets | 25.0959% | 6,144 |
| Net loans and leases to deposits | 27.6372% | 6,174 |
| Net loans and leases to core deposits | 29.0062% | 6,170 |
| Total domestic deposits to total assets | 90.8049% | 356 |
| Equity capital to assets | 9.0672% | 5,174 |
| Core capital (leverage) ratio | 10.6572% | 2,779 |
| Tier 1 risk-based capital ratio | 25.1910% | 844 |
| Total risk-based capital ratio | 26.4427% | 830 |
| Memoranda: | ||
| Average total assets | $18,259,330 | 6,276 |
| Average earning assets | $16,795,670 | 6,259 |
| Average equity | $1,719,330 | 6,290 |
| Average total loans | $5,211,670 | 6,271 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9757% | 5,920 |
| Cost of funding earning assets | 0.1693% | 5,775 |
| Net interest margin | 2.8063% | 5,627 |
| Noninterest income to average assets | 0.3332% | 4,525 |
| Noninterest expense to average assets | 2.4654% | 4,389 |
| Loan and lease loss provision to assets | 0.0666% | 2,604 |
| Net operating income to assets | 0.3554% | 5,238 |
| Return on assets (ROA) | 0.3554% | 5,351 |
| Pretax return on assets | 0.3776% | 5,473 |
| Return on Equity (ROE) | 3.7026% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.7026% | 3,789 |
| Net charge-offs to loans | 0.2958% | 804 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,429 |
| Efficiency ratio | 84.7328% | 1,295 |
| Assets per employee ($millions) | 3.8896% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.0568% | 6,168 |
| Net loans and leases to deposits | 29.8536% | 6,201 |
| Net loans and leases to core deposits | 31.2767% | 6,199 |
| Total domestic deposits to total assets | 90.6314% | 482 |
| Equity capital to assets | 9.3223% | 4,936 |
| Core capital (leverage) ratio | 10.7597% | 2,674 |
| Tier 1 risk-based capital ratio | 17.6996% | 2,235 |
| Total risk-based capital ratio | 18.7232% | 2,268 |
| Memoranda: | ||
| Average total assets | $18,009,000 | 6,344 |
| Average earning assets | $16,534,000 | 6,327 |
| Average equity | $1,728,500 | 6,352 |
| Average total loans | $5,408,500 | 6,339 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 5,497 |
| Cost of funding earning assets | 0.1810% | 5,903 |
| Net interest margin | 3.2378% | 4,804 |
| Noninterest income to average assets | 0.3797% | 4,344 |
| Noninterest expense to average assets | 2.9048% | 3,137 |
| Loan and lease loss provision to assets | 0.0844% | 2,794 |
| Net operating income to assets | 0.2772% | 5,580 |
| Return on assets (ROA) | 0.2772% | 5,647 |
| Pretax return on assets | 0.3013% | 5,699 |
| Return on Equity (ROE) | 3.1567% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.3725% | 5,159 |
| Net charge-offs to loans | 0.0180% | 4,496 |
| Credit loss provision to net charge-offs | 1,400.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 751 |
| Efficiency ratio | 88.2784% | 969 |
| Assets per employee ($millions) | 3.3140% | 5,237 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0386% | 1,043 |
| Loan loss allowance to noncurrent loans | 370.0000% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 5,304 |
| Noncurrent loans to loans | 0.5510% | 4,012 |
| Net loans and leases to total assets | 32.1907% | 6,109 |
| Net loans and leases to deposits | 35.7483% | 6,180 |
| Net loans and leases to core deposits | 36.9903% | 6,182 |
| Total domestic deposits to total assets | 90.0483% | 710 |
| Equity capital to assets | 9.9215% | 4,211 |
| Core capital (leverage) ratio | 11.5232% | 1,959 |
| Tier 1 risk-based capital ratio | 24.5893% | 881 |
| Total risk-based capital ratio | 25.8409% | 863 |
| Memoranda: | ||
| Average total assets | $16,593,200 | 6,450 |
| Average earning assets | $14,917,400 | 6,436 |
| Average equity | $1,457,200 | 6,465 |
| Average total loans | $5,569,000 | 6,424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 5,549 |
| Cost of funding earning assets | 0.1798% | 5,992 |
| Net interest margin | 3.2442% | 4,810 |
| Noninterest income to average assets | 0.3936% | 4,296 |
| Noninterest expense to average assets | 2.6748% | 3,920 |
| Loan and lease loss provision to assets | 0.0884% | 2,588 |
| Net operating income to assets | 0.4659% | 5,010 |
| Return on assets (ROA) | 0.4659% | 5,089 |
| Pretax return on assets | 0.5302% | 5,238 |
| Return on Equity (ROE) | 5.4825% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.4825% | 2,772 |
| Net charge-offs to loans | 0.1429% | 2,369 |
| Credit loss provision to net charge-offs | 183.3333% | 1,366 |
| Earnings coverage of net charge-offs (x) | 12.8325% | 2,281 |
| Efficiency ratio | 81.2195% | 1,723 |
| Assets per employee ($millions) | 3.3284% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 1,754 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 5,259 |
| Noncurrent loans to loans | 0.6820% | 3,901 |
| Net loans and leases to total assets | 34.6172% | 6,090 |
| Net loans and leases to deposits | 39.3403% | 6,135 |
| Net loans and leases to core deposits | 40.7311% | 6,160 |
| Total domestic deposits to total assets | 87.9942% | 1,775 |
| Equity capital to assets | 9.4520% | 4,855 |
| Core capital (leverage) ratio | 11.5493% | 2,026 |
| Tier 1 risk-based capital ratio | 23.3467% | 1,069 |
| Total risk-based capital ratio | 24.5965% | 1,051 |
| Memoranda: | ||
| Average total assets | $16,599,000 | 6,529 |
| Average earning assets | $14,836,250 | 6,516 |
| Average equity | $1,410,500 | 6,549 |
| Average total loans | $5,600,000 | 6,500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 5,575 |
| Cost of funding earning assets | 0.1752% | 6,106 |
| Net interest margin | 3.2475% | 4,789 |
| Noninterest income to average assets | 0.4100% | 4,172 |
| Noninterest expense to average assets | 2.7254% | 3,772 |
| Loan and lease loss provision to assets | 0.0965% | 2,416 |
| Net operating income to assets | 0.4341% | 5,080 |
| Return on assets (ROA) | 0.4341% | 5,164 |
| Pretax return on assets | 0.4944% | 5,289 |
| Return on Equity (ROE) | 5.3084% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.3084% | 2,755 |
| Net charge-offs to loans | 0.3992% | 1,014 |
| Credit loss provision to net charge-offs | 72.7273% | 2,420 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,104 |
| Efficiency ratio | 82.1818% | 1,718 |
| Assets per employee ($millions) | 3.2732% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 2,199 |
| Loan loss allowance to noncurrent loans | 4,750.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 6,209 |
| Noncurrent loans to loans | 0.0353% | 5,955 |
| Net loans and leases to total assets | 34.0340% | 6,141 |
| Net loans and leases to deposits | 38.9892% | 6,192 |
| Net loans and leases to core deposits | 38.9892% | 6,245 |
| Total domestic deposits to total assets | 87.2907% | 2,301 |
| Equity capital to assets | 9.2692% | 5,015 |
| Core capital (leverage) ratio | 11.5665% | 1,951 |
| Tier 1 risk-based capital ratio | 23.9577% | 992 |
| Total risk-based capital ratio | 25.1543% | 977 |
| Memoranda: | ||
| Average total assets | $16,584,670 | 6,596 |
| Average earning assets | $14,842,000 | 6,584 |
| Average equity | $1,356,330 | 6,617 |
| Average total loans | $5,511,670 | 6,568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 5,618 |
| Cost of funding earning assets | 0.1881% | 6,089 |
| Net interest margin | 3.2254% | 4,835 |
| Noninterest income to average assets | 0.4313% | 3,939 |
| Noninterest expense to average assets | 2.5398% | 4,477 |
| Loan and lease loss provision to assets | 0.0958% | 2,327 |
| Net operating income to assets | 0.5751% | 4,323 |
| Return on assets (ROA) | 0.5751% | 4,396 |
| Pretax return on assets | 0.6709% | 4,594 |
| Return on Equity (ROE) | 7.5235% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.5235% | 1,805 |
| Net charge-offs to loans | 1.0304% | 323 |
| Credit loss provision to net charge-offs | 28.5714% | 2,409 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 2,914 |
| Efficiency ratio | 76.8116% | 2,671 |
| Assets per employee ($millions) | 3.4572% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,661 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,190 |
| Noncurrent loans to loans | 0.1096% | 5,797 |
| Net loans and leases to total assets | 31.1524% | 6,298 |
| Net loans and leases to deposits | 33.8594% | 6,374 |
| Net loans and leases to core deposits | 34.9607% | 6,383 |
| Total domestic deposits to total assets | 92.0051% | 241 |
| Equity capital to assets | 7.9197% | 6,102 |
| Core capital (leverage) ratio | 11.5724% | 1,918 |
| Tier 1 risk-based capital ratio | 23.0544% | 1,134 |
| Total risk-based capital ratio | 24.1278% | 1,144 |
| Memoranda: | ||
| Average total assets | $16,694,000 | 6,668 |
| Average earning assets | $14,882,000 | 6,657 |
| Average equity | $1,276,000 | 6,688 |
| Average total loans | $5,435,000 | 6,639 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 6,045 |
| Cost of funding earning assets | 0.1831% | 6,377 |
| Net interest margin | 3.0868% | 5,351 |
| Noninterest income to average assets | 0.4053% | 4,407 |
| Noninterest expense to average assets | 2.8432% | 3,560 |
| Loan and lease loss provision to assets | 0.0235% | 4,658 |
| Net operating income to assets | 0.2291% | 5,750 |
| Return on assets (ROA) | 0.2291% | 5,814 |
| Pretax return on assets | 0.3113% | 5,702 |
| Return on Equity (ROE) | 2.5230% | 5,668 |
| Retained earnings to average equity (ytd only) | 0.5822% | 5,579 |
| Net charge-offs to loans | 0.1082% | 3,750 |
| Credit loss provision to net charge-offs | 80.0000% | 3,044 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 2,246 |
| Efficiency ratio | 89.4640% | 1,069 |
| Assets per employee ($millions) | 3.2204% | 5,445 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 2,017 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 6,267 |
| Noncurrent loans to loans | 0.1112% | 5,874 |
| Net loans and leases to total assets | 32.9090% | 6,343 |
| Net loans and leases to deposits | 35.5304% | 6,442 |
| Net loans and leases to core deposits | 36.7629% | 6,448 |
| Total domestic deposits to total assets | 92.6220% | 176 |
| Equity capital to assets | 7.3469% | 6,347 |
| Core capital (leverage) ratio | 11.8559% | 1,712 |
| Tier 1 risk-based capital ratio | 22.8508% | 1,120 |
| Total risk-based capital ratio | 24.0509% | 1,104 |
| Memoranda: | ||
| Average total assets | $17,023,200 | 6,743 |
| Average earning assets | $15,290,800 | 6,732 |
| Average equity | $1,545,800 | 6,754 |
| Average total loans | $4,621,600 | 6,743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2112% | 6,183 |
| Cost of funding earning assets | 0.1798% | 6,505 |
| Net interest margin | 3.0314% | 5,515 |
| Noninterest income to average assets | 0.3864% | 4,630 |
| Noninterest expense to average assets | 2.5501% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4791% | 4,892 |
| Return on assets (ROA) | 0.4791% | 5,047 |
| Pretax return on assets | 0.5718% | 5,126 |
| Return on Equity (ROE) | 5.0510% | 4,697 |
| Retained earnings to average equity (ytd only) | 5.0510% | 3,042 |
| Net charge-offs to loans | 0.1506% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.7916% | 1,913 |
| Efficiency ratio | 81.6832% | 1,869 |
| Assets per employee ($millions) | 3.3070% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 2,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 29.9728% | 6,536 |
| Net loans and leases to deposits | 35.4760% | 6,527 |
| Net loans and leases to core deposits | 36.7929% | 6,538 |
| Total domestic deposits to total assets | 84.4875% | 3,984 |
| Equity capital to assets | 8.3580% | 5,868 |
| Core capital (leverage) ratio | 11.5331% | 2,015 |
| Tier 1 risk-based capital ratio | 24.6976% | 907 |
| Total risk-based capital ratio | 25.9073% | 897 |
| Memoranda: | ||
| Average total assets | $17,253,500 | 6,815 |
| Average earning assets | $15,570,000 | 6,804 |
| Average equity | $1,636,500 | 6,820 |
| Average total loans | $4,427,750 | 6,820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1735% | 6,260 |
| Cost of funding earning assets | 0.1770% | 6,588 |
| Net interest margin | 2.9965% | 5,574 |
| Noninterest income to average assets | 0.3773% | 4,688 |
| Noninterest expense to average assets | 2.5610% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4230% | 5,131 |
| Return on assets (ROA) | 0.4230% | 5,286 |
| Pretax return on assets | 0.5259% | 5,285 |
| Return on Equity (ROE) | 4.2990% | 5,096 |
| Retained earnings to average equity (ytd only) | 4.2990% | 3,550 |
| Net charge-offs to loans | 0.1422% | 2,958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,749 |
| Efficiency ratio | 82.9630% | 1,762 |
| Assets per employee ($millions) | 3.5682% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1090% | 1,616 |
| Loan loss allowance to noncurrent loans | 960.0000% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 6,337 |
| Noncurrent loans to loans | 0.2197% | 5,755 |
| Net loans and leases to total assets | 24.9762% | 6,710 |
| Net loans and leases to deposits | 27.2122% | 6,746 |
| Net loans and leases to core deposits | 28.0693% | 6,751 |
| Total domestic deposits to total assets | 91.7830% | 301 |
| Equity capital to assets | 8.1105% | 6,121 |
| Core capital (leverage) ratio | 10.7333% | 2,634 |
| Tier 1 risk-based capital ratio | 24.9638% | 878 |
| Total risk-based capital ratio | 26.2159% | 863 |
| Memoranda: | ||
| Average total assets | $17,493,000 | 6,859 |
| Average earning assets | $15,818,330 | 6,847 |
| Average equity | $1,721,330 | 6,857 |
| Average total loans | $4,220,330 | 6,871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 6,138 |
| Cost of funding earning assets | 0.2053% | 6,553 |
| Net interest margin | 3.1056% | 5,239 |
| Noninterest income to average assets | 0.3233% | 5,115 |
| Noninterest expense to average assets | 2.4713% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5312% | 4,533 |
| Return on assets (ROA) | 0.5312% | 4,677 |
| Pretax return on assets | 0.6467% | 4,786 |
| Return on Equity (ROE) | 4.9502% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.9502% | 3,268 |
| Net charge-offs to loans | 0.3946% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,134 |
| Efficiency ratio | 79.2593% | 2,434 |
| Assets per employee ($millions) | 3.7646% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3250% | 1,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 21.2028% | 6,835 |
| Net loans and leases to deposits | 23.5374% | 6,868 |
| Net loans and leases to core deposits | 23.5374% | 6,875 |
| Total domestic deposits to total assets | 90.0813% | 995 |
| Equity capital to assets | 9.8390% | 4,370 |
| Core capital (leverage) ratio | 11.1111% | 2,169 |
| Tier 1 risk-based capital ratio | 20.1434% | 1,730 |
| Total risk-based capital ratio | 21.1602% | 1,767 |
| Memoranda: | ||
| Average total assets | $17,319,000 | 6,935 |
| Average earning assets | $15,584,500 | 6,925 |
| Average equity | $1,858,500 | 6,901 |
| Average total loans | $4,054,500 | 6,946 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 6,422 |
| Cost of funding earning assets | 0.2491% | 6,676 |
| Net interest margin | 3.1971% | 5,572 |
| Noninterest income to average assets | 0.4173% | 4,473 |
| Noninterest expense to average assets | 2.9213% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3114% | 5,423 |
| Return on assets (ROA) | 0.3114% | 5,630 |
| Pretax return on assets | 0.3737% | 5,649 |
| Return on Equity (ROE) | 2.6472% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.1648% | 5,289 |
| Net charge-offs to loans | -0.0836% | 6,792 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6578% | 1,180 |
| Assets per employee ($millions) | 3.1630% | 5,707 |
| Cash dividends to net income (ytd only)* | 56.0000% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4609% | 1,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 24.8119% | 6,840 |
| Net loans and leases to deposits | 28.1634% | 6,865 |
| Net loans and leases to core deposits | 28.1634% | 6,883 |
| Total domestic deposits to total assets | 88.0999% | 2,169 |
| Equity capital to assets | 11.7926% | 2,189 |
| Core capital (leverage) ratio | 11.8613% | 1,635 |
| Tier 1 risk-based capital ratio | 21.2035% | 1,418 |
| Total risk-based capital ratio | 22.3339% | 1,414 |
| Memoranda: | ||
| Average total assets | $16,054,600 | 7,009 |
| Average earning assets | $14,450,600 | 7,004 |
| Average equity | $1,888,800 | 6,969 |
| Average total loans | $3,588,000 | 7,026 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 6,525 |
| Cost of funding earning assets | 0.2573% | 6,780 |
| Net interest margin | 3.2262% | 5,629 |
| Noninterest income to average assets | 0.4054% | 4,596 |
| Noninterest expense to average assets | 2.7883% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4054% | 5,225 |
| Return on assets (ROA) | 0.4054% | 5,453 |
| Pretax return on assets | 0.5213% | 5,403 |
| Return on Equity (ROE) | 3.4479% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.4479% | 4,439 |
| Net charge-offs to loans | -0.0767% | 6,799 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2500% | 1,566 |
| Assets per employee ($millions) | 2.9284% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 1,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.9391% | 6,918 |
| Net loans and leases to deposits | 29.9574% | 6,952 |
| Net loans and leases to core deposits | 29.9574% | 6,967 |
| Total domestic deposits to total assets | 86.5865% | 2,930 |
| Equity capital to assets | 13.1130% | 1,537 |
| Core capital (leverage) ratio | 12.0061% | 1,652 |
| Tier 1 risk-based capital ratio | 28.6148% | 610 |
| Total risk-based capital ratio | 29.8755% | 598 |
| Memoranda: | ||
| Average total assets | $16,114,500 | 7,102 |
| Average earning assets | $14,505,750 | 7,094 |
| Average equity | $1,894,750 | 7,060 |
| Average total loans | $3,479,250 | 7,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3674% | 6,757 |
| Cost of funding earning assets | 0.2662% | 6,848 |
| Net interest margin | 3.1012% | 6,007 |
| Noninterest income to average assets | 0.3734% | 4,849 |
| Noninterest expense to average assets | 2.7100% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3854% | 5,267 |
| Return on assets (ROA) | 0.3854% | 5,507 |
| Pretax return on assets | 0.4697% | 5,518 |
| Return on Equity (ROE) | 3.3928% | 5,527 |
| Retained earnings to average equity (ytd only) | 3.3928% | 4,343 |
| Net charge-offs to loans | -0.1796% | 6,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2273% | 1,507 |
| Assets per employee ($millions) | 3.3682% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6815% | 1,061 |
| Loan loss allowance to noncurrent loans | 9,900.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,837 |
| Noncurrent loans to loans | 0.0271% | 6,623 |
| Net loans and leases to total assets | 21.3348% | 7,066 |
| Net loans and leases to deposits | 24.1546% | 7,088 |
| Net loans and leases to core deposits | 24.1546% | 7,098 |
| Total domestic deposits to total assets | 88.3261% | 1,942 |
| Equity capital to assets | 11.4364% | 2,651 |
| Core capital (leverage) ratio | 10.7262% | 2,569 |
| Tier 1 risk-based capital ratio | 27.8159% | 655 |
| Total risk-based capital ratio | 29.0673% | 639 |
| Memoranda: | ||
| Average total assets | $16,605,330 | 7,159 |
| Average earning assets | $15,026,330 | 7,146 |
| Average equity | $1,886,330 | 7,109 |
| Average total loans | $3,340,000 | 7,186 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2550% | 6,921 |
| Cost of funding earning assets | 0.2959% | 6,853 |
| Net interest margin | 2.9591% | 6,376 |
| Noninterest income to average assets | 0.3882% | 4,759 |
| Noninterest expense to average assets | 2.6929% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3154% | 5,607 |
| Return on assets (ROA) | 0.3154% | 5,768 |
| Pretax return on assets | 0.3639% | 5,824 |
| Return on Equity (ROE) | 2.7860% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.7860% | 4,863 |
| Net charge-offs to loans | -0.2528% | 7,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0952% | 1,278 |
| Assets per employee ($millions) | 3.4574% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8917% | 917 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,927 |
| Noncurrent loans to loans | 0.0295% | 6,696 |
| Net loans and leases to total assets | 19.0374% | 7,157 |
| Net loans and leases to deposits | 21.3438% | 7,177 |
| Net loans and leases to core deposits | 21.3438% | 7,187 |
| Total domestic deposits to total assets | 89.1942% | 1,564 |
| Equity capital to assets | 10.7306% | 3,229 |
| Core capital (leverage) ratio | 11.5356% | 1,874 |
| Tier 1 risk-based capital ratio | 27.1485% | 717 |
| Total risk-based capital ratio | 28.3972% | 700 |
| Memoranda: | ||
| Average total assets | $16,487,500 | 7,223 |
| Average earning assets | $14,869,500 | 7,210 |
| Average equity | $1,866,500 | 7,167 |
| Average total loans | $3,164,000 | 7,254 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5003% | 6,996 |
| Cost of funding earning assets | 0.3802% | 6,943 |
| Net interest margin | 3.1202% | 6,295 |
| Noninterest income to average assets | 0.4231% | 4,427 |
| Noninterest expense to average assets | 3.0461% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1757% | 5,657 |
| Return on assets (ROA) | 0.1757% | 5,802 |
| Pretax return on assets | 0.2083% | 5,763 |
| Return on Equity (ROE) | 1.4568% | 5,853 |
| Retained earnings to average equity (ytd only) | 0.1079% | 5,787 |
| Net charge-offs to loans | 0.1704% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,526 |
| Efficiency ratio | 93.6000% | 948 |
| Assets per employee ($millions) | 2.6147% | 6,704 |
| Cash dividends to net income (ytd only)* | 92.5926% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2664% | 638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 18.1221% | 7,230 |
| Net loans and leases to deposits | 20.6104% | 7,246 |
| Net loans and leases to core deposits | 20.6104% | 7,247 |
| Total domestic deposits to total assets | 87.9271% | 2,206 |
| Equity capital to assets | 11.9709% | 2,150 |
| Core capital (leverage) ratio | 11.6991% | 1,764 |
| Tier 1 risk-based capital ratio | 30.9339% | 472 |
| Total risk-based capital ratio | 32.1814% | 464 |
| Memoranda: | ||
| Average total assets | $15,363,800 | 7,283 |
| Average earning assets | $13,941,600 | 7,265 |
| Average equity | $1,853,400 | 7,231 |
| Average total loans | $2,934,600 | 7,303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 7,056 |
| Cost of funding earning assets | 0.3942% | 7,030 |
| Net interest margin | 3.1633% | 6,251 |
| Noninterest income to average assets | 0.4101% | 4,591 |
| Noninterest expense to average assets | 2.9139% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3141% | 5,343 |
| Return on assets (ROA) | 0.3141% | 5,519 |
| Pretax return on assets | 0.3664% | 5,561 |
| Return on Equity (ROE) | 2.5985% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.5985% | 4,808 |
| Net charge-offs to loans | -0.0453% | 7,035 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8298% | 1,264 |
| Assets per employee ($millions) | 3.1266% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7037% | 487 |
| Loan loss allowance to noncurrent loans | 1,275.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,918 |
| Noncurrent loans to loans | 0.2905% | 6,269 |
| Net loans and leases to total assets | 16.9641% | 7,320 |
| Net loans and leases to deposits | 19.4172% | 7,337 |
| Net loans and leases to core deposits | 19.4172% | 7,334 |
| Total domestic deposits to total assets | 87.3665% | 2,427 |
| Equity capital to assets | 12.3905% | 1,975 |
| Core capital (leverage) ratio | 12.0487% | 1,678 |
| Tier 1 risk-based capital ratio | 33.5487% | 402 |
| Total risk-based capital ratio | 34.8052% | 389 |
| Memoranda: | ||
| Average total assets | $15,282,750 | 7,360 |
| Average earning assets | $13,867,250 | 7,340 |
| Average equity | $1,847,250 | 7,308 |
| Average total loans | $2,933,500 | 7,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 7,107 |
| Cost of funding earning assets | 0.4230% | 7,080 |
| Net interest margin | 3.1649% | 6,250 |
| Noninterest income to average assets | 0.4088% | 4,613 |
| Noninterest expense to average assets | 2.8617% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3429% | 5,206 |
| Return on assets (ROA) | 0.3429% | 5,339 |
| Pretax return on assets | 0.4088% | 5,368 |
| Return on Equity (ROE) | 2.8613% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.8613% | 4,463 |
| Net charge-offs to loans | -0.0668% | 7,086 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,461 |
| Assets per employee ($millions) | 3.0784% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8680% | 452 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 7,035 |
| Noncurrent loans to loans | 0.1517% | 6,605 |
| Net loans and leases to total assets | 16.4696% | 7,406 |
| Net loans and leases to deposits | 18.8532% | 7,412 |
| Net loans and leases to core deposits | 18.8532% | 7,411 |
| Total domestic deposits to total assets | 87.3571% | 2,547 |
| Equity capital to assets | 12.4285% | 1,828 |
| Core capital (leverage) ratio | 11.8668% | 1,687 |
| Tier 1 risk-based capital ratio | 32.4777% | 434 |
| Total risk-based capital ratio | 33.7349% | 427 |
| Memoranda: | ||
| Average total assets | $15,166,000 | 7,435 |
| Average earning assets | $13,713,000 | 7,414 |
| Average equity | $1,817,330 | 7,381 |
| Average total loans | $2,993,330 | 7,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 7,110 |
| Cost of funding earning assets | 0.4376% | 7,140 |
| Net interest margin | 3.2091% | 6,039 |
| Noninterest income to average assets | 0.3720% | 4,936 |
| Noninterest expense to average assets | 2.8433% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3720% | 5,066 |
| Return on assets (ROA) | 0.3720% | 5,149 |
| Pretax return on assets | 0.4517% | 5,179 |
| Return on Equity (ROE) | 3.1647% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.1647% | 4,277 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2903% | 1,682 |
| Assets per employee ($millions) | 3.1092% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4007% | 661 |
| Loan loss allowance to noncurrent loans | 1,683.3333% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,071 |
| Noncurrent loans to loans | 0.2020% | 6,568 |
| Net loans and leases to total assets | 18.4549% | 7,446 |
| Net loans and leases to deposits | 20.8427% | 7,460 |
| Net loans and leases to core deposits | 20.8427% | 7,458 |
| Total domestic deposits to total assets | 88.5437% | 2,049 |
| Equity capital to assets | 11.3405% | 2,385 |
| Core capital (leverage) ratio | 12.4176% | 1,365 |
| Tier 1 risk-based capital ratio | 30.5441% | 497 |
| Total risk-based capital ratio | 31.8009% | 490 |
| Memoranda: | ||
| Average total assets | $15,053,000 | 7,495 |
| Average earning assets | $13,711,000 | 7,475 |
| Average equity | $1,769,500 | 7,438 |
| Average total loans | $3,171,500 | 7,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 7,229 |
| Cost of funding earning assets | 0.5728% | 7,174 |
| Net interest margin | 3.2774% | 6,048 |
| Noninterest income to average assets | 0.4470% | 4,540 |
| Noninterest expense to average assets | 3.0967% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2332% | 5,170 |
| Return on assets (ROA) | 0.2332% | 5,320 |
| Pretax return on assets | 0.2786% | 5,291 |
| Return on Equity (ROE) | 1.9376% | 5,404 |
| Retained earnings to average equity (ytd only) | 0.4306% | 5,358 |
| Net charge-offs to loans | 0.0899% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,350 |
| Efficiency ratio | 91.7466% | 1,199 |
| Assets per employee ($millions) | 2.4267% | 7,099 |
| Cash dividends to net income (ytd only)* | 77.7778% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9944% | 872 |
| Loan loss allowance to noncurrent loans | 2,020.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 7,151 |
| Noncurrent loans to loans | 0.1482% | 6,775 |
| Net loans and leases to total assets | 22.4725% | 7,493 |
| Net loans and leases to deposits | 25.6406% | 7,514 |
| Net loans and leases to core deposits | 25.6406% | 7,514 |
| Total domestic deposits to total assets | 87.6442% | 2,456 |
| Equity capital to assets | 12.1978% | 1,793 |
| Core capital (leverage) ratio | 12.0055% | 1,547 |
| Tier 1 risk-based capital ratio | 30.5653% | 488 |
| Total risk-based capital ratio | 31.8159% | 478 |
| Memoranda: | ||
| Average total assets | $15,436,000 | 7,565 |
| Average earning assets | $13,791,400 | 7,552 |
| Average equity | $1,858,000 | 7,527 |
| Average total loans | $3,337,800 | 7,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 7,334 |
| Cost of funding earning assets | 0.6063% | 7,275 |
| Net interest margin | 3.3007% | 6,015 |
| Noninterest income to average assets | 0.4429% | 4,619 |
| Noninterest expense to average assets | 2.6572% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5451% | 4,112 |
| Return on assets (ROA) | 0.5451% | 4,278 |
| Pretax return on assets | 0.7069% | 4,210 |
| Return on Equity (ROE) | 4.5425% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.5425% | 3,315 |
| Net charge-offs to loans | 0.1601% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 20.7617% | 1,154 |
| Efficiency ratio | 78.9873% | 2,488 |
| Assets per employee ($millions) | 2.5383% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3003% | 638 |
| Loan loss allowance to noncurrent loans | 769.2308% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 7,134 |
| Noncurrent loans to loans | 0.4290% | 6,343 |
| Net loans and leases to total assets | 19.2383% | 7,627 |
| Net loans and leases to deposits | 22.2307% | 7,647 |
| Net loans and leases to core deposits | 22.2307% | 7,647 |
| Total domestic deposits to total assets | 86.5397% | 2,789 |
| Equity capital to assets | 13.0007% | 1,571 |
| Core capital (leverage) ratio | 12.0341% | 1,648 |
| Tier 1 risk-based capital ratio | 31.1871% | 463 |
| Total risk-based capital ratio | 32.4418% | 455 |
| Memoranda: | ||
| Average total assets | $15,655,000 | 7,655 |
| Average earning assets | $13,855,250 | 7,649 |
| Average equity | $1,878,500 | 7,619 |
| Average total loans | $3,329,000 | 7,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 7,299 |
| Cost of funding earning assets | 0.6244% | 7,354 |
| Net interest margin | 3.4562% | 5,421 |
| Noninterest income to average assets | 0.4051% | 4,872 |
| Noninterest expense to average assets | 2.5448% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6584% | 3,592 |
| Return on assets (ROA) | 0.6584% | 3,748 |
| Pretax return on assets | 0.8736% | 3,603 |
| Return on Equity (ROE) | 5.6379% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.6379% | 2,536 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4444% | 3,389 |
| Assets per employee ($millions) | 3.1538% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4540% | 566 |
| Loan loss allowance to noncurrent loans | 866.6667% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 7,205 |
| Noncurrent loans to loans | 0.3985% | 6,444 |
| Net loans and leases to total assets | 18.4349% | 7,703 |
| Net loans and leases to deposits | 21.1819% | 7,722 |
| Net loans and leases to core deposits | 21.1819% | 7,723 |
| Total domestic deposits to total assets | 87.0315% | 2,513 |
| Equity capital to assets | 12.5373% | 1,772 |
| Core capital (leverage) ratio | 11.5472% | 1,889 |
| Tier 1 risk-based capital ratio | 27.2542% | 683 |
| Total risk-based capital ratio | 28.5030% | 669 |
| Memoranda: | ||
| Average total assets | $15,796,670 | 7,717 |
| Average earning assets | $13,772,330 | 7,712 |
| Average equity | $1,844,670 | 7,692 |
| Average total loans | $3,428,670 | 7,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 7,356 |
| Cost of funding earning assets | 0.6344% | 7,484 |
| Net interest margin | 3.4893% | 5,205 |
| Noninterest income to average assets | 0.3542% | 5,306 |
| Noninterest expense to average assets | 2.5806% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6325% | 3,743 |
| Return on assets (ROA) | 0.6325% | 3,866 |
| Pretax return on assets | 0.8349% | 3,727 |
| Return on Equity (ROE) | 5.6227% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.6227% | 2,806 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5556% | 3,296 |
| Assets per employee ($millions) | 2.7378% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0481% | 787 |
| Loan loss allowance to noncurrent loans | 742.8571% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 7,276 |
| Noncurrent loans to loans | 0.4103% | 6,473 |
| Net loans and leases to total assets | 20.1376% | 7,783 |
| Net loans and leases to deposits | 22.6762% | 7,816 |
| Net loans and leases to core deposits | 22.6762% | 7,813 |
| Total domestic deposits to total assets | 88.8050% | 1,616 |
| Equity capital to assets | 11.0428% | 2,720 |
| Core capital (leverage) ratio | 12.2080% | 1,542 |
| Tier 1 risk-based capital ratio | 26.7148% | 726 |
| Total risk-based capital ratio | 27.9711% | 712 |
| Memoranda: | ||
| Average total assets | $15,810,500 | 7,816 |
| Average earning assets | $13,871,000 | 7,809 |
| Average equity | $1,778,500 | 7,792 |
| Average total loans | $3,637,500 | 7,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 7,044 |
| Cost of funding earning assets | 0.9863% | 7,233 |
| Net interest margin | 3.7660% | 3,849 |
| Noninterest income to average assets | 0.4789% | 4,582 |
| Noninterest expense to average assets | 3.4101% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3700% | 4,249 |
| Return on assets (ROA) | 0.3700% | 4,350 |
| Pretax return on assets | 0.4208% | 4,433 |
| Return on Equity (ROE) | 2.6668% | 4,639 |
| Retained earnings to average equity (ytd only) | -4.1309% | 5,887 |
| Net charge-offs to loans | 0.3116% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 2,797 |
| Efficiency ratio | 89.0152% | 1,797 |
| Assets per employee ($millions) | 2.5323% | 7,144 |
| Cash dividends to net income (ytd only)* | 254.9020% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6922% | 1,020 |
| Loan loss allowance to noncurrent loans | 693.3333% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 7,251 |
| Noncurrent loans to loans | 0.3883% | 6,501 |
| Net loans and leases to total assets | 24.7400% | 7,797 |
| Net loans and leases to deposits | 28.0125% | 7,837 |
| Net loans and leases to core deposits | 30.8874% | 7,858 |
| Total domestic deposits to total assets | 88.3178% | 1,813 |
| Equity capital to assets | 11.4716% | 2,336 |
| Core capital (leverage) ratio | 12.5447% | 1,431 |
| Tier 1 risk-based capital ratio | 22.7698% | 1,066 |
| Total risk-based capital ratio | 24.0175% | 1,044 |
| Memoranda: | ||
| Average total assets | $13,782,400 | 7,922 |
| Average earning assets | $12,267,600 | 7,908 |
| Average equity | $1,912,400 | 7,855 |
| Average total loans | $3,851,200 | 7,922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 7,190 |
| Cost of funding earning assets | 1.0197% | 7,348 |
| Net interest margin | 3.7390% | 3,914 |
| Noninterest income to average assets | 0.5063% | 4,434 |
| Noninterest expense to average assets | 3.1473% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6155% | 3,552 |
| Return on assets (ROA) | 0.6155% | 3,603 |
| Pretax return on assets | 0.7446% | 3,714 |
| Return on Equity (ROE) | 4.2287% | 4,287 |
| Retained earnings to average equity (ytd only) | 4.2287% | 2,909 |
| Net charge-offs to loans | 0.3812% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.8166% | 2,539 |
| Efficiency ratio | 80.8673% | 2,727 |
| Assets per employee ($millions) | 2.2622% | 7,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7104% | 872 |
| Loan loss allowance to noncurrent loans | 656.2500% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 7,254 |
| Noncurrent loans to loans | 0.4130% | 6,510 |
| Net loans and leases to total assets | 27.7684% | 7,851 |
| Net loans and leases to deposits | 32.6377% | 7,878 |
| Net loans and leases to core deposits | 36.2927% | 7,898 |
| Total domestic deposits to total assets | 85.0807% | 3,185 |
| Equity capital to assets | 14.5141% | 1,141 |
| Core capital (leverage) ratio | 14.0943% | 1,069 |
| Tier 1 risk-based capital ratio | 29.4505% | 603 |
| Total risk-based capital ratio | 30.7082% | 590 |
| Memoranda: | ||
| Average total assets | $13,429,500 | 8,006 |
| Average earning assets | $12,160,000 | 7,989 |
| Average equity | $1,954,750 | 7,928 |
| Average total loans | $3,848,250 | 8,001 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 7,300 |
| Cost of funding earning assets | 1.0571% | 7,453 |
| Net interest margin | 3.6998% | 3,951 |
| Noninterest income to average assets | 0.4484% | 4,860 |
| Noninterest expense to average assets | 2.9892% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6576% | 3,437 |
| Return on assets (ROA) | 0.6576% | 3,547 |
| Pretax return on assets | 0.8071% | 3,647 |
| Return on Equity (ROE) | 4.5136% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.5136% | 2,781 |
| Net charge-offs to loans | 0.5730% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,964 |
| Efficiency ratio | 78.7402% | 3,226 |
| Assets per employee ($millions) | 2.3693% | 7,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7118% | 741 |
| Loan loss allowance to noncurrent loans | 807.6923% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 7,354 |
| Noncurrent loans to loans | 0.3357% | 6,673 |
| Net loans and leases to total assets | 26.4983% | 7,957 |
| Net loans and leases to deposits | 30.7988% | 7,984 |
| Net loans and leases to core deposits | 33.7152% | 8,006 |
| Total domestic deposits to total assets | 86.0369% | 2,773 |
| Equity capital to assets | 13.5481% | 1,479 |
| Core capital (leverage) ratio | 14.3088% | 1,065 |
| Tier 1 risk-based capital ratio | 28.3841% | 693 |
| Total risk-based capital ratio | 29.6372% | 684 |
| Memoranda: | ||
| Average total assets | $13,381,670 | 8,097 |
| Average earning assets | $12,108,670 | 8,082 |
| Average equity | $1,949,670 | 8,012 |
| Average total loans | $3,839,670 | 8,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 5,800 |
| Cost of funding earning assets | 1.0301% | 7,626 |
| Net interest margin | 4.2920% | 1,628 |
| Noninterest income to average assets | 0.4319% | 4,946 |
| Noninterest expense to average assets | 3.1162% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8022% | 3,122 |
| Return on assets (ROA) | 0.8022% | 3,278 |
| Pretax return on assets | 1.1724% | 2,714 |
| Return on Equity (ROE) | 5.3021% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.3021% | 2,957 |
| Net charge-offs to loans | 1.1508% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 3,173 |
| Efficiency ratio | 72.6619% | 4,071 |
| Assets per employee ($millions) | 2.2057% | 7,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0120% | 473 |
| Loan loss allowance to noncurrent loans | 750.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 7,270 |
| Noncurrent loans to loans | 0.4016% | 6,412 |
| Net loans and leases to total assets | 25.5478% | 8,012 |
| Net loans and leases to deposits | 30.1417% | 8,034 |
| Net loans and leases to core deposits | 32.9404% | 8,059 |
| Total domestic deposits to total assets | 84.7590% | 3,320 |
| Equity capital to assets | 14.8028% | 1,161 |
| Core capital (leverage) ratio | 15.0542% | 961 |
| Tier 1 risk-based capital ratio | 29.6575% | 637 |
| Total risk-based capital ratio | 30.9169% | 622 |
| Memoranda: | ||
| Average total assets | $12,964,500 | 8,155 |
| Average earning assets | $11,649,500 | 8,136 |
| Average equity | $1,961,500 | 8,061 |
| Average total loans | $3,823,500 | 8,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4410% | 7,409 |
| Cost of funding earning assets | 1.5351% | 7,554 |
| Net interest margin | 3.9059% | 3,526 |
| Noninterest income to average assets | 0.5899% | 3,916 |
| Noninterest expense to average assets | 3.2637% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6895% | 3,940 |
| Return on assets (ROA) | 0.6895% | 3,775 |
| Pretax return on assets | 0.8351% | 3,942 |
| Return on Equity (ROE) | 4.7458% | 4,500 |
| Retained earnings to average equity (ytd only) | 3.1639% | 3,184 |
| Net charge-offs to loans | 0.0722% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 1,010 |
| Efficiency ratio | 79.6262% | 2,650 |
| Assets per employee ($millions) | 2.1158% | 7,808 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7878% | 519 |
| Loan loss allowance to noncurrent loans | 1,933.3333% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 7,392 |
| Noncurrent loans to loans | 0.1442% | 6,976 |
| Net loans and leases to total assets | 31.8629% | 7,949 |
| Net loans and leases to deposits | 37.9598% | 7,975 |
| Net loans and leases to core deposits | 42.3206% | 8,020 |
| Total domestic deposits to total assets | 83.9386% | 3,354 |
| Equity capital to assets | 15.4707% | 1,057 |
| Core capital (leverage) ratio | 15.0248% | 1,025 |
| Tier 1 risk-based capital ratio | 28.3187% | 743 |
| Total risk-based capital ratio | 29.5674% | 726 |
| Memoranda: | ||
| Average total assets | $13,052,600 | 8,202 |
| Average earning assets | $11,725,800 | 8,191 |
| Average equity | $1,896,400 | 8,142 |
| Average total loans | $4,152,800 | 8,189 |