Home > The State Bank of Pearl City > Performance and Condition Ratios
The State Bank of Pearl City, 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 | 4.4618% | 3,163 |
| Cost of funding earning assets | 1.1951% | 2,818 |
| Net interest margin | 3.2668% | 2,717 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.3805% | 2,641 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8019% | 2,868 |
| Return on assets (ROA) | 0.8019% | 2,846 |
| Pretax return on assets | 0.8019% | 3,209 |
| Return on Equity (ROE) | 10.1600% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.0074% | 2,235 |
| Net charge-offs to loans | 0.0943% | 942 |
| Credit loss provision to net charge-offs | 157.5758% | 1,427 |
| Earnings coverage of net charge-offs (x) | 19.8182% | 1,888 |
| Efficiency ratio | 73.2077% | 1,534 |
| Assets per employee ($millions) | 6.5068% | 2,412 |
| Cash dividends to net income (ytd only)* | 40.8638% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 923 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,528 |
| Noncurrent loans to loans | 0.0546% | 3,331 |
| Net loans and leases to total assets | 46.1600% | 3,808 |
| Net loans and leases to deposits | 50.5221% | 3,936 |
| Net loans and leases to core deposits | 58.6988% | 3,810 |
| Total domestic deposits to total assets | 91.3700% | 418 |
| Equity capital to assets | 8.2914% | 3,206 |
| Core capital (leverage) ratio | 11.9639% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $75,069,400 | 4,063 |
| Average earning assets | $72,549,000 | 4,009 |
| Average equity | $5,926,000 | 4,168 |
| Average total loans | $34,986,400 | 4,070 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 3,293 |
| Cost of funding earning assets | 1.0645% | 2,849 |
| Net interest margin | 3.2364% | 2,832 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.3897% | 2,542 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7410% | 3,200 |
| Return on assets (ROA) | 0.7410% | 3,192 |
| Pretax return on assets | 0.7410% | 3,469 |
| Return on Equity (ROE) | 9.5100% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.4622% | 2,155 |
| Net charge-offs to loans | 0.0617% | 1,047 |
| Credit loss provision to net charge-offs | 325.0000% | 839 |
| Earnings coverage of net charge-offs (x) | 29.0625% | 1,607 |
| Efficiency ratio | 74.1235% | 1,349 |
| Assets per employee ($millions) | 6.0848% | 2,670 |
| Cash dividends to net income (ytd only)* | 21.5496% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 854 |
| Loan loss allowance to noncurrent loans | 1,248.9362% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,226 |
| Noncurrent loans to loans | 0.1296% | 2,904 |
| Net loans and leases to total assets | 45.0900% | 3,868 |
| Net loans and leases to deposits | 48.8080% | 3,978 |
| Net loans and leases to core deposits | 56.1733% | 3,850 |
| Total domestic deposits to total assets | 92.3800% | 390 |
| Equity capital to assets | 7.2842% | 3,473 |
| Core capital (leverage) ratio | 9.8314% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $74,316,500 | 4,091 |
| Average earning assets | $71,766,250 | 4,035 |
| Average equity | $5,789,000 | 4,191 |
| Average total loans | $34,579,500 | 4,093 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 3,394 |
| Cost of funding earning assets | 0.9700% | 2,698 |
| Net interest margin | 3.1811% | 3,033 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.4560% | 2,331 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.5858% | 3,619 |
| Return on assets (ROA) | 0.5858% | 3,621 |
| Pretax return on assets | 0.5858% | 3,826 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 5.8296% | 2,686 |
| Net charge-offs to loans | -0.0118% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.7198% | 1,022 |
| Assets per employee ($millions) | 7.7435% | 1,445 |
| Cash dividends to net income (ytd only)* | 20.6573% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 822 |
| Loan loss allowance to noncurrent loans | 1,083.6364% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,063 |
| Noncurrent loans to loans | 0.1530% | 2,707 |
| Net loans and leases to total assets | 45.6400% | 3,812 |
| Net loans and leases to deposits | 49.5527% | 3,937 |
| Net loans and leases to core deposits | 54.5006% | 3,869 |
| Total domestic deposits to total assets | 92.1100% | 391 |
| Equity capital to assets | 7.5948% | 3,471 |
| Core capital (leverage) ratio | 10.4688% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $72,721,000 | 4,121 |
| Average earning assets | $70,102,333 | 4,077 |
| Average equity | $5,798,000 | 4,216 |
| Average total loans | $34,022,000 | 4,114 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,849 |
| Cost of funding earning assets | 0.8415% | 2,563 |
| Net interest margin | 3.4368% | 2,542 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.6946% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7106% | 3,438 |
| Return on assets (ROA) | 0.7106% | 3,394 |
| Pretax return on assets | 0.7106% | 3,636 |
| Return on Equity (ROE) | 8.6900% | 3,135 |
| Retained earnings to average equity (ytd only) | 8.4774% | 2,085 |
| Net charge-offs to loans | 0.0605% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,375 |
| Efficiency ratio | 79.1319% | 892 |
| Assets per employee ($millions) | 5.4402% | 3,283 |
| Cash dividends to net income (ytd only)* | 2.4000% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 1,027 |
| Loan loss allowance to noncurrent loans | 1,070.5882% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,074 |
| Noncurrent loans to loans | 0.1486% | 2,750 |
| Net loans and leases to total assets | 47.7700% | 3,648 |
| Net loans and leases to deposits | 53.1256% | 3,730 |
| Net loans and leases to core deposits | 59.8233% | 3,549 |
| Total domestic deposits to total assets | 89.9100% | 1,191 |
| Equity capital to assets | 8.3637% | 2,993 |
| Core capital (leverage) ratio | 10.5784% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $70,364,000 | 4,197 |
| Average earning assets | $67,970,000 | 4,153 |
| Average equity | $5,756,500 | 4,275 |
| Average total loans | $33,064,000 | 4,182 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 2,140 |
| Cost of funding earning assets | 0.3971% | 2,134 |
| Net interest margin | 3.4514% | 2,095 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.5038% | 2,100 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7366% | 3,518 |
| Return on assets (ROA) | 0.7366% | 3,459 |
| Pretax return on assets | 0.7366% | 3,777 |
| Return on Equity (ROE) | 8.6100% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.0231% | 2,641 |
| Net charge-offs to loans | 0.1073% | 694 |
| Credit loss provision to net charge-offs | 160.6061% | 1,260 |
| Earnings coverage of net charge-offs (x) | 17.5455% | 1,953 |
| Efficiency ratio | 75.5387% | 1,065 |
| Assets per employee ($millions) | 4.3754% | 4,098 |
| Cash dividends to net income (ytd only)* | 30.0380% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 870 |
| Loan loss allowance to noncurrent loans | 657.5000% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 2,722 |
| Noncurrent loans to loans | 0.2516% | 2,266 |
| Net loans and leases to total assets | 44.6700% | 3,861 |
| Net loans and leases to deposits | 49.4326% | 3,923 |
| Net loans and leases to core deposits | 50.1588% | 3,972 |
| Total domestic deposits to total assets | 90.3800% | 1,209 |
| Equity capital to assets | 7.9965% | 3,060 |
| Core capital (leverage) ratio | 10.0227% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $71,411,800 | 4,221 |
| Average earning assets | $66,234,800 | 4,194 |
| Average equity | $6,109,800 | 4,315 |
| Average total loans | $30,762,000 | 4,230 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 2,058 |
| Cost of funding earning assets | 0.3724% | 1,502 |
| Net interest margin | 3.3236% | 2,218 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.4506% | 2,158 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6596% | 3,669 |
| Return on assets (ROA) | 0.6596% | 3,629 |
| Pretax return on assets | 0.6596% | 3,885 |
| Return on Equity (ROE) | 7.5900% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.0490% | 2,735 |
| Net charge-offs to loans | 0.0743% | 779 |
| Credit loss provision to net charge-offs | 176.4706% | 1,041 |
| Earnings coverage of net charge-offs (x) | 22.6471% | 1,663 |
| Efficiency ratio | 77.4061% | 960 |
| Assets per employee ($millions) | 4.9762% | 3,690 |
| Cash dividends to net income (ytd only)* | 20.2817% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 940 |
| Loan loss allowance to noncurrent loans | 798.4615% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 3,059 |
| Noncurrent loans to loans | 0.2081% | 2,559 |
| Net loans and leases to total assets | 41.1500% | 4,021 |
| Net loans and leases to deposits | 45.0492% | 4,066 |
| Net loans and leases to core deposits | 45.6668% | 4,128 |
| Total domestic deposits to total assets | 91.3400% | 1,107 |
| Equity capital to assets | 7.0978% | 3,461 |
| Core capital (leverage) ratio | 9.5129% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $71,763,250 | 4,249 |
| Average earning assets | $65,870,750 | 4,230 |
| Average equity | $6,237,750 | 4,346 |
| Average total loans | $30,502,250 | 4,259 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6642% | 1,638 |
| Cost of funding earning assets | 0.3789% | 1,053 |
| Net interest margin | 3.2853% | 1,950 |
| Noninterest income to average assets | 0.1186% | 4,404 |
| Noninterest expense to average assets | 2.4660% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6158% | 3,584 |
| Return on assets (ROA) | 0.6158% | 3,530 |
| Pretax return on assets | 0.6158% | 3,784 |
| Return on Equity (ROE) | 6.6555% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.3122% | 2,585 |
| Net charge-offs to loans | 0.1124% | 539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 1,700 |
| Efficiency ratio | 80.0183% | 945 |
| Assets per employee ($millions) | 4.9711% | 3,702 |
| Cash dividends to net income (ytd only)* | 20.1835% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,115 |
| Loan loss allowance to noncurrent loans | 1,686.2069% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,591 |
| Noncurrent loans to loans | 0.0957% | 3,287 |
| Net loans and leases to total assets | 39.9834% | 4,074 |
| Net loans and leases to deposits | 44.2279% | 4,105 |
| Net loans and leases to core deposits | 44.8378% | 4,163 |
| Total domestic deposits to total assets | 90.4031% | 1,512 |
| Equity capital to assets | 8.0332% | 3,097 |
| Core capital (leverage) ratio | 10.4660% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,803,333 | 4,302 |
| Average earning assets | $63,861,000 | 4,305 |
| Average equity | $6,551,000 | 4,359 |
| Average total loans | $30,258,333 | 4,309 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 1,024 |
| Cost of funding earning assets | 0.4019% | 859 |
| Net interest margin | 3.4355% | 1,220 |
| Noninterest income to average assets | 0.0929% | 4,533 |
| Noninterest expense to average assets | 2.5362% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6326% | 3,286 |
| Return on assets (ROA) | 0.6326% | 3,267 |
| Pretax return on assets | 0.6326% | 3,545 |
| Return on Equity (ROE) | 6.3822% | 3,225 |
| Retained earnings to average equity (ytd only) | 6.2065% | 2,177 |
| Net charge-offs to loans | 0.0926% | 552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.5714% | 1,348 |
| Efficiency ratio | 80.0366% | 1,153 |
| Assets per employee ($millions) | 5.0874% | 3,679 |
| Cash dividends to net income (ytd only)* | 2.7523% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 1,110 |
| Loan loss allowance to noncurrent loans | 2,626.3158% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,755 |
| Noncurrent loans to loans | 0.0634% | 3,540 |
| Net loans and leases to total assets | 44.5370% | 3,701 |
| Net loans and leases to deposits | 49.4518% | 3,775 |
| Net loans and leases to core deposits | 50.2208% | 3,863 |
| Total domestic deposits to total assets | 90.0614% | 1,529 |
| Equity capital to assets | 9.7179% | 2,111 |
| Core capital (leverage) ratio | 10.4795% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,922,000 | 4,339 |
| Average earning assets | $61,709,500 | 4,352 |
| Average equity | $6,831,500 | 4,378 |
| Average total loans | $30,236,000 | 4,321 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 1,062 |
| Cost of funding earning assets | 0.4678% | 1,075 |
| Net interest margin | 3.6921% | 1,234 |
| Noninterest income to average assets | 0.1443% | 4,435 |
| Noninterest expense to average assets | 2.6953% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6698% | 3,698 |
| Return on assets (ROA) | 0.6698% | 3,750 |
| Pretax return on assets | 0.6786% | 3,972 |
| Return on Equity (ROE) | 6.2948% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.6109% | 3,378 |
| Net charge-offs to loans | 0.0533% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 27.1176% | 1,687 |
| Efficiency ratio | 79.8866% | 809 |
| Assets per employee ($millions) | 4.2181% | 4,317 |
| Cash dividends to net income (ytd only)* | 42.6374% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 1,147 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,811 |
| Noncurrent loans to loans | 0.0721% | 3,572 |
| Net loans and leases to total assets | 41.8531% | 3,985 |
| Net loans and leases to deposits | 46.6539% | 4,066 |
| Net loans and leases to core deposits | 47.1361% | 4,134 |
| Total domestic deposits to total assets | 89.7097% | 1,106 |
| Equity capital to assets | 10.0909% | 2,568 |
| Core capital (leverage) ratio | 10.1506% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,933,800 | 4,357 |
| Average earning assets | $59,424,200 | 4,384 |
| Average equity | $7,228,200 | 4,403 |
| Average total loans | $31,892,000 | 4,341 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 1,151 |
| Cost of funding earning assets | 0.4843% | 1,133 |
| Net interest margin | 3.6833% | 1,373 |
| Noninterest income to average assets | 0.2229% | 4,074 |
| Noninterest expense to average assets | 2.6968% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7404% | 3,675 |
| Return on assets (ROA) | 0.7404% | 3,737 |
| Pretax return on assets | 0.7503% | 3,986 |
| Return on Equity (ROE) | 6.8637% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.7197% | 2,947 |
| Net charge-offs to loans | 0.0496% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 31.4167% | 1,501 |
| Efficiency ratio | 78.2333% | 860 |
| Assets per employee ($millions) | 4.6555% | 4,000 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 1,227 |
| Loan loss allowance to noncurrent loans | 1,460.0000% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,814 |
| Noncurrent loans to loans | 0.1129% | 3,524 |
| Net loans and leases to total assets | 43.6570% | 3,980 |
| Net loans and leases to deposits | 48.9680% | 4,064 |
| Net loans and leases to core deposits | 49.4967% | 4,172 |
| Total domestic deposits to total assets | 89.1541% | 1,197 |
| Equity capital to assets | 10.5767% | 2,392 |
| Core capital (leverage) ratio | 10.0992% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,990,250 | 4,428 |
| Average earning assets | $58,641,250 | 4,458 |
| Average equity | $7,226,250 | 4,466 |
| Average total loans | $32,235,500 | 4,395 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 1,187 |
| Cost of funding earning assets | 0.4842% | 1,296 |
| Net interest margin | 3.7171% | 1,307 |
| Noninterest income to average assets | 0.2090% | 4,152 |
| Noninterest expense to average assets | 2.7104% | 1,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7904% | 3,535 |
| Return on assets (ROA) | 0.7904% | 3,606 |
| Pretax return on assets | 0.7995% | 3,866 |
| Return on Equity (ROE) | 7.2773% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.9389% | 2,827 |
| Net charge-offs to loans | 0.1960% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 1,887 |
| Efficiency ratio | 77.2217% | 973 |
| Assets per employee ($millions) | 4.6672% | 3,961 |
| Cash dividends to net income (ytd only)* | 18.3908% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,402.8571% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,920 |
| Noncurrent loans to loans | 0.1057% | 3,660 |
| Net loans and leases to total assets | 46.5890% | 3,860 |
| Net loans and leases to deposits | 52.1406% | 3,985 |
| Net loans and leases to core deposits | 52.6982% | 4,099 |
| Total domestic deposits to total assets | 89.3526% | 1,108 |
| Equity capital to assets | 10.3688% | 2,520 |
| Core capital (leverage) ratio | 10.7935% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,042,667 | 4,466 |
| Average earning assets | $58,648,000 | 4,488 |
| Average equity | $7,173,000 | 4,494 |
| Average total loans | $32,648,000 | 4,417 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 1,163 |
| Cost of funding earning assets | 0.4855% | 1,482 |
| Net interest margin | 3.7339% | 1,263 |
| Noninterest income to average assets | 0.0999% | 4,685 |
| Noninterest expense to average assets | 2.7974% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6993% | 3,706 |
| Return on assets (ROA) | 0.6993% | 3,768 |
| Pretax return on assets | 0.7118% | 3,994 |
| Return on Equity (ROE) | 6.2833% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,874 |
| Net charge-offs to loans | 0.1851% | 435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 1,604 |
| Efficiency ratio | 79.7153% | 839 |
| Assets per employee ($millions) | 4.2831% | 4,283 |
| Cash dividends to net income (ytd only)* | 3.5714% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,351 |
| Loan loss allowance to noncurrent loans | 1,058.3333% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,834 |
| Noncurrent loans to loans | 0.1491% | 3,580 |
| Net loans and leases to total assets | 49.3159% | 3,685 |
| Net loans and leases to deposits | 56.6494% | 3,744 |
| Net loans and leases to core deposits | 57.7585% | 3,851 |
| Total domestic deposits to total assets | 87.0546% | 2,292 |
| Equity capital to assets | 11.1071% | 1,781 |
| Core capital (leverage) ratio | 11.1106% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,060,000 | 4,506 |
| Average earning assets | $58,491,500 | 4,507 |
| Average equity | $7,130,000 | 4,516 |
| Average total loans | $32,418,500 | 4,444 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,040 |
| Cost of funding earning assets | 0.6163% | 2,205 |
| Net interest margin | 3.6191% | 2,079 |
| Noninterest income to average assets | 0.1133% | 4,697 |
| Noninterest expense to average assets | 2.8332% | 1,855 |
| Loan and lease loss provision to assets | 0.0283% | 4,044 |
| Net operating income to assets | 0.6183% | 3,682 |
| Return on assets (ROA) | 0.6183% | 3,810 |
| Pretax return on assets | 0.6183% | 4,042 |
| Return on Equity (ROE) | 5.2863% | 3,821 |
| Retained earnings to average equity (ytd only) | 1.6243% | 3,985 |
| Net charge-offs to loans | 0.1239% | 1,261 |
| Credit loss provision to net charge-offs | 41.4634% | 3,183 |
| Earnings coverage of net charge-offs (x) | 9.4634% | 2,519 |
| Efficiency ratio | 81.4176% | 785 |
| Assets per employee ($millions) | 3.5485% | 4,632 |
| Cash dividends to net income (ytd only)* | 69.2722% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,290 |
| Loan loss allowance to noncurrent loans | 933.9286% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,888 |
| Noncurrent loans to loans | 0.1715% | 3,598 |
| Net loans and leases to total assets | 50.2904% | 3,804 |
| Net loans and leases to deposits | 57.7942% | 3,903 |
| Net loans and leases to core deposits | 59.3489% | 3,984 |
| Total domestic deposits to total assets | 87.0164% | 1,940 |
| Equity capital to assets | 11.1534% | 2,132 |
| Core capital (leverage) ratio | 10.7854% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,002,800 | 4,514 |
| Average earning assets | $55,814,400 | 4,500 |
| Average equity | $7,018,200 | 4,525 |
| Average total loans | $33,101,000 | 4,457 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 2,204 |
| Cost of funding earning assets | 0.6478% | 2,337 |
| Net interest margin | 3.6172% | 2,216 |
| Noninterest income to average assets | 0.1287% | 4,646 |
| Noninterest expense to average assets | 2.7576% | 2,100 |
| Loan and lease loss provision to assets | 0.0390% | 3,860 |
| Net operating income to assets | 0.7001% | 3,458 |
| Return on assets (ROA) | 0.7001% | 3,559 |
| Pretax return on assets | 0.7001% | 3,898 |
| Return on Equity (ROE) | 5.9116% | 3,584 |
| Retained earnings to average equity (ytd only) | 2.3456% | 3,802 |
| Net charge-offs to loans | 0.0522% | 1,856 |
| Credit loss provision to net charge-offs | 130.7692% | 2,442 |
| Earnings coverage of net charge-offs (x) | 25.1538% | 1,730 |
| Efficiency ratio | 78.8760% | 955 |
| Assets per employee ($millions) | 3.5457% | 4,639 |
| Cash dividends to net income (ytd only)* | 60.3226% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 932 |
| Loan loss allowance to noncurrent loans | 888.7097% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,946 |
| Noncurrent loans to loans | 0.1886% | 3,637 |
| Net loans and leases to total assets | 50.6565% | 4,061 |
| Net loans and leases to deposits | 58.2817% | 4,151 |
| Net loans and leases to core deposits | 59.8438% | 4,214 |
| Total domestic deposits to total assets | 86.9167% | 1,706 |
| Equity capital to assets | 11.1842% | 2,247 |
| Core capital (leverage) ratio | 11.0180% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,035,250 | 4,543 |
| Average earning assets | $54,958,000 | 4,527 |
| Average equity | $6,991,750 | 4,545 |
| Average total loans | $33,215,000 | 4,482 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 2,253 |
| Cost of funding earning assets | 0.7041% | 2,356 |
| Net interest margin | 3.6769% | 2,249 |
| Noninterest income to average assets | 0.1079% | 4,751 |
| Noninterest expense to average assets | 2.8064% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7382% | 3,249 |
| Return on assets (ROA) | 0.7382% | 3,371 |
| Pretax return on assets | 0.7382% | 3,775 |
| Return on Equity (ROE) | 6.1069% | 3,470 |
| Retained earnings to average equity (ytd only) | 2.1028% | 3,711 |
| Net charge-offs to loans | 0.0840% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.1429% | 1,923 |
| Efficiency ratio | 79.1749% | 943 |
| Assets per employee ($millions) | 3.4602% | 4,683 |
| Cash dividends to net income (ytd only)* | 65.5660% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 979 |
| Loan loss allowance to noncurrent loans | 579.3478% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 3,650 |
| Noncurrent loans to loans | 0.2783% | 3,383 |
| Net loans and leases to total assets | 52.2141% | 4,014 |
| Net loans and leases to deposits | 60.2096% | 4,105 |
| Net loans and leases to core deposits | 61.8599% | 4,180 |
| Total domestic deposits to total assets | 86.7205% | 1,726 |
| Equity capital to assets | 11.3336% | 2,099 |
| Core capital (leverage) ratio | 12.1720% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,439,667 | 4,573 |
| Average earning assets | $53,686,333 | 4,559 |
| Average equity | $6,943,000 | 4,574 |
| Average total loans | $33,326,333 | 4,496 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,910 |
| Cost of funding earning assets | 0.7552% | 2,640 |
| Net interest margin | 3.8761% | 1,745 |
| Noninterest income to average assets | 0.0654% | 4,936 |
| Noninterest expense to average assets | 2.8064% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9161% | 2,462 |
| Return on assets (ROA) | 0.9161% | 2,572 |
| Pretax return on assets | 0.9161% | 3,091 |
| Return on Equity (ROE) | 7.3203% | 2,818 |
| Retained earnings to average equity (ytd only) | 1.4524% | 3,614 |
| Net charge-offs to loans | 0.0717% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,397 |
| Efficiency ratio | 75.3906% | 1,634 |
| Assets per employee ($millions) | 2.8273% | 4,861 |
| Cash dividends to net income (ytd only)* | 80.1587% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 948 |
| Loan loss allowance to noncurrent loans | 546.4646% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,596 |
| Noncurrent loans to loans | 0.3023% | 3,415 |
| Net loans and leases to total assets | 59.9583% | 3,497 |
| Net loans and leases to deposits | 69.0736% | 3,658 |
| Net loans and leases to core deposits | 71.6695% | 3,774 |
| Total domestic deposits to total assets | 86.8036% | 1,648 |
| Equity capital to assets | 12.8074% | 1,544 |
| Core capital (leverage) ratio | 12.5207% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,017,500 | 4,627 |
| Average earning assets | $51,908,500 | 4,603 |
| Average equity | $6,885,000 | 4,613 |
| Average total loans | $33,462,500 | 4,519 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 2,070 |
| Cost of funding earning assets | 0.7790% | 2,778 |
| Net interest margin | 4.0119% | 1,817 |
| Noninterest income to average assets | 0.0614% | 5,010 |
| Noninterest expense to average assets | 3.0018% | 2,015 |
| Loan and lease loss provision to assets | 0.0771% | 2,448 |
| Net operating income to assets | 0.7119% | 3,836 |
| Return on assets (ROA) | 0.7119% | 3,893 |
| Pretax return on assets | 0.7119% | 4,184 |
| Return on Equity (ROE) | 6.0697% | 3,896 |
| Retained earnings to average equity (ytd only) | 3.9019% | 3,017 |
| Net charge-offs to loans | 0.3151% | 657 |
| Credit loss provision to net charge-offs | 39.6396% | 3,205 |
| Earnings coverage of net charge-offs (x) | 4.0541% | 3,265 |
| Efficiency ratio | 79.1859% | 1,018 |
| Assets per employee ($millions) | 3.1287% | 4,751 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 974 |
| Loan loss allowance to noncurrent loans | 492.7928% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 3,529 |
| Noncurrent loans to loans | 0.3248% | 3,275 |
| Net loans and leases to total assets | 59.7130% | 3,612 |
| Net loans and leases to deposits | 68.3246% | 3,790 |
| Net loans and leases to core deposits | 70.7377% | 3,927 |
| Total domestic deposits to total assets | 87.3961% | 1,406 |
| Equity capital to assets | 12.2345% | 1,991 |
| Core capital (leverage) ratio | 11.9316% | 1,820 |
| Tier 1 risk-based capital ratio | 18.7305% | 1,580 |
| Total risk-based capital ratio | 19.9841% | 1,544 |
| Memoranda: | ||
| Average total assets | $57,032,800 | 4,631 |
| Average earning assets | $53,017,800 | 4,625 |
| Average equity | $6,689,000 | 4,670 |
| Average total loans | $35,225,200 | 4,526 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 2,289 |
| Cost of funding earning assets | 0.7791% | 2,822 |
| Net interest margin | 3.9634% | 2,064 |
| Noninterest income to average assets | 0.0606% | 5,090 |
| Noninterest expense to average assets | 2.9107% | 2,225 |
| Loan and lease loss provision to assets | 0.1025% | 1,873 |
| Net operating income to assets | 0.7224% | 3,936 |
| Return on assets (ROA) | 0.7224% | 4,005 |
| Pretax return on assets | 0.7224% | 4,295 |
| Return on Equity (ROE) | 6.2259% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.0811% | 2,852 |
| Net charge-offs to loans | 0.2968% | 587 |
| Credit loss provision to net charge-offs | 55.6962% | 2,743 |
| Earnings coverage of net charge-offs (x) | 4.4811% | 3,005 |
| Efficiency ratio | 77.9164% | 1,113 |
| Assets per employee ($millions) | 3.2343% | 4,724 |
| Cash dividends to net income (ytd only)* | 18.3877% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 894 |
| Loan loss allowance to noncurrent loans | 441.9847% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,541 |
| Noncurrent loans to loans | 0.3742% | 3,216 |
| Net loans and leases to total assets | 59.1391% | 3,753 |
| Net loans and leases to deposits | 67.3995% | 3,963 |
| Net loans and leases to core deposits | 70.0289% | 4,056 |
| Total domestic deposits to total assets | 87.7441% | 1,151 |
| Equity capital to assets | 11.8488% | 2,376 |
| Core capital (leverage) ratio | 11.3953% | 2,306 |
| Tier 1 risk-based capital ratio | 18.2374% | 1,753 |
| Total risk-based capital ratio | 19.4914% | 1,715 |
| Memoranda: | ||
| Average total assets | $57,212,000 | 4,700 |
| Average earning assets | $53,051,000 | 4,690 |
| Average equity | $6,638,750 | 4,734 |
| Average total loans | $35,487,750 | 4,577 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 2,049 |
| Cost of funding earning assets | 0.7731% | 2,785 |
| Net interest margin | 4.0302% | 1,832 |
| Noninterest income to average assets | 0.0563% | 5,148 |
| Noninterest expense to average assets | 2.9326% | 2,189 |
| Loan and lease loss provision to assets | 0.1547% | 1,177 |
| Net operating income to assets | 0.6716% | 4,095 |
| Return on assets (ROA) | 0.6716% | 4,145 |
| Pretax return on assets | 0.6716% | 4,398 |
| Return on Equity (ROE) | 5.8300% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.8532% | 2,838 |
| Net charge-offs to loans | 0.3927% | 427 |
| Credit loss provision to net charge-offs | 62.8571% | 2,384 |
| Earnings coverage of net charge-offs (x) | 3.3571% | 2,853 |
| Efficiency ratio | 78.0168% | 1,151 |
| Assets per employee ($millions) | 3.2582% | 4,733 |
| Cash dividends to net income (ytd only)* | 16.7539% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 865 |
| Loan loss allowance to noncurrent loans | 462.9921% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 3,584 |
| Noncurrent loans to loans | 0.3618% | 3,235 |
| Net loans and leases to total assets | 58.8555% | 3,836 |
| Net loans and leases to deposits | 66.8118% | 4,037 |
| Net loans and leases to core deposits | 71.9329% | 4,007 |
| Total domestic deposits to total assets | 88.0915% | 1,061 |
| Equity capital to assets | 11.5846% | 2,538 |
| Core capital (leverage) ratio | 11.9857% | 1,839 |
| Tier 1 risk-based capital ratio | 17.9087% | 1,831 |
| Total risk-based capital ratio | 19.1653% | 1,781 |
| Memoranda: | ||
| Average total assets | $56,877,000 | 4,740 |
| Average earning assets | $52,255,330 | 4,741 |
| Average equity | $6,552,330 | 4,777 |
| Average total loans | $35,647,670 | 4,601 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 2,082 |
| Cost of funding earning assets | 0.7217% | 2,935 |
| Net interest margin | 4.0189% | 1,797 |
| Noninterest income to average assets | 0.0500% | 5,214 |
| Noninterest expense to average assets | 2.9218% | 2,213 |
| Loan and lease loss provision to assets | 0.2429% | 604 |
| Net operating income to assets | 0.6644% | 4,046 |
| Return on assets (ROA) | 0.6644% | 4,082 |
| Pretax return on assets | 0.6644% | 4,387 |
| Return on Equity (ROE) | 5.7840% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.5353% | 2,679 |
| Net charge-offs to loans | 0.3675% | 423 |
| Credit loss provision to net charge-offs | 103.0303% | 1,544 |
| Earnings coverage of net charge-offs (x) | 3.8485% | 2,371 |
| Efficiency ratio | 76.3060% | 1,469 |
| Assets per employee ($millions) | 3.2955% | 4,749 |
| Cash dividends to net income (ytd only)* | 4.3011% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 809 |
| Loan loss allowance to noncurrent loans | 302.9557% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,000 |
| Noncurrent loans to loans | 0.5704% | 2,621 |
| Net loans and leases to total assets | 62.4297% | 3,462 |
| Net loans and leases to deposits | 70.9677% | 3,693 |
| Net loans and leases to core deposits | 80.2253% | 3,346 |
| Total domestic deposits to total assets | 87.9692% | 1,350 |
| Equity capital to assets | 11.7434% | 2,191 |
| Core capital (leverage) ratio | 11.9750% | 1,790 |
| Tier 1 risk-based capital ratio | 17.6676% | 1,890 |
| Total risk-based capital ratio | 18.9228% | 1,845 |
| Memoranda: | ||
| Average total assets | $55,992,000 | 4,808 |
| Average earning assets | $52,651,500 | 4,785 |
| Average equity | $6,431,500 | 4,824 |
| Average total loans | $35,919,000 | 4,642 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 1,801 |
| Cost of funding earning assets | 0.6007% | 2,712 |
| Net interest margin | 4.1059% | 1,662 |
| Noninterest income to average assets | -0.1607% | 5,379 |
| Noninterest expense to average assets | 2.9041% | 2,339 |
| Loan and lease loss provision to assets | 0.4154% | 319 |
| Net operating income to assets | 0.3521% | 4,940 |
| Return on assets (ROA) | 0.3521% | 4,936 |
| Pretax return on assets | 0.3521% | 4,997 |
| Return on Equity (ROE) | 3.4918% | 4,822 |
| Retained earnings to average equity (ytd only) | 0.4407% | 4,864 |
| Net charge-offs to loans | 0.3397% | 563 |
| Credit loss provision to net charge-offs | 197.5610% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.6504% | 3,389 |
| Efficiency ratio | 79.0968% | 1,031 |
| Assets per employee ($millions) | 3.3036% | 4,738 |
| Cash dividends to net income (ytd only)* | 87.3786% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,868 |
| Loan loss allowance to noncurrent loans | 263.6943% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,311 |
| Noncurrent loans to loans | 0.4331% | 2,989 |
| Net loans and leases to total assets | 63.8058% | 3,379 |
| Net loans and leases to deposits | 72.3276% | 3,644 |
| Net loans and leases to core deposits | 74.0051% | 3,852 |
| Total domestic deposits to total assets | 88.2178% | 1,205 |
| Equity capital to assets | 11.5454% | 2,224 |
| Core capital (leverage) ratio | 11.7470% | 1,919 |
| Tier 1 risk-based capital ratio | 16.9958% | 2,070 |
| Total risk-based capital ratio | 18.0333% | 2,087 |
| Memoranda: | ||
| Average total assets | $58,502,800 | 4,790 |
| Average earning assets | $54,604,400 | 4,776 |
| Average equity | $5,899,600 | 4,914 |
| Average total loans | $36,212,200 | 4,650 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,863 |
| Cost of funding earning assets | 0.5813% | 2,623 |
| Net interest margin | 4.0619% | 1,753 |
| Noninterest income to average assets | -0.2527% | 5,459 |
| Noninterest expense to average assets | 2.8003% | 2,629 |
| Loan and lease loss provision to assets | 0.4716% | 251 |
| Net operating income to assets | 0.2437% | 5,162 |
| Return on assets (ROA) | 0.2437% | 5,153 |
| Pretax return on assets | 0.2437% | 5,180 |
| Return on Equity (ROE) | 2.5028% | 5,069 |
| Retained earnings to average equity (ytd only) | -1.6685% | 5,173 |
| Net charge-offs to loans | 0.4125% | 391 |
| Credit loss provision to net charge-offs | 186.6071% | 1,466 |
| Earnings coverage of net charge-offs (x) | 2.8304% | 3,214 |
| Efficiency ratio | 79.6534% | 979 |
| Assets per employee ($millions) | 3.8525% | 4,105 |
| Cash dividends to net income (ytd only)* | 166.6597% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,445 |
| Loan loss allowance to noncurrent loans | 185.3081% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 2,515 |
| Noncurrent loans to loans | 0.5686% | 2,673 |
| Net loans and leases to total assets | 59.5636% | 3,896 |
| Net loans and leases to deposits | 65.7716% | 4,214 |
| Net loans and leases to core deposits | 67.1133% | 4,347 |
| Total domestic deposits to total assets | 90.5613% | 321 |
| Equity capital to assets | 9.0947% | 4,462 |
| Core capital (leverage) ratio | 9.9948% | 3,644 |
| Tier 1 risk-based capital ratio | 15.1332% | 2,824 |
| Total risk-based capital ratio | 16.1237% | 2,856 |
| Memoranda: | ||
| Average total assets | $59,088,250 | 4,833 |
| Average earning assets | $54,817,500 | 4,826 |
| Average equity | $5,753,500 | 4,991 |
| Average total loans | $36,203,250 | 4,704 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,530 |
| Cost of funding earning assets | 0.5752% | 2,397 |
| Net interest margin | 4.1146% | 1,510 |
| Noninterest income to average assets | -0.4327% | 5,527 |
| Noninterest expense to average assets | 2.8367% | 2,554 |
| Loan and lease loss provision to assets | 0.6147% | 164 |
| Net operating income to assets | -0.0275% | 5,354 |
| Return on assets (ROA) | -0.0275% | 5,348 |
| Pretax return on assets | -0.0275% | 5,346 |
| Return on Equity (ROE) | -0.2757% | 5,351 |
| Retained earnings to average equity (ytd only) | -5.5836% | 5,313 |
| Net charge-offs to loans | 0.2561% | 624 |
| Credit loss provision to net charge-offs | 389.1304% | 842 |
| Earnings coverage of net charge-offs (x) | 3.7174% | 2,853 |
| Efficiency ratio | 82.8485% | 772 |
| Assets per employee ($millions) | 3.6634% | 4,386 |
| Cash dividends to net income (ytd only)* | -1,925.0000% | 5,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,895 |
| Loan loss allowance to noncurrent loans | 166.7969% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 2,321 |
| Noncurrent loans to loans | 0.7000% | 2,360 |
| Net loans and leases to total assets | 61.6634% | 3,640 |
| Net loans and leases to deposits | 68.3639% | 3,995 |
| Net loans and leases to core deposits | 69.4957% | 4,174 |
| Total domestic deposits to total assets | 90.1988% | 504 |
| Equity capital to assets | 9.4976% | 4,104 |
| Core capital (leverage) ratio | 10.0664% | 3,506 |
| Tier 1 risk-based capital ratio | 15.2877% | 2,736 |
| Total risk-based capital ratio | 16.3969% | 2,725 |
| Memoranda: | ||
| Average total assets | $58,237,670 | 4,902 |
| Average earning assets | $54,586,330 | 4,885 |
| Average equity | $5,802,670 | 5,033 |
| Average total loans | $35,924,000 | 4,756 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 1,361 |
| Cost of funding earning assets | 0.5624% | 2,301 |
| Net interest margin | 4.1142% | 1,406 |
| Noninterest income to average assets | 0.0965% | 5,342 |
| Noninterest expense to average assets | 2.6736% | 3,125 |
| Loan and lease loss provision to assets | 0.1929% | 868 |
| Net operating income to assets | 1.0612% | 2,602 |
| Return on assets (ROA) | 1.0612% | 2,611 |
| Pretax return on assets | 1.0612% | 3,308 |
| Return on Equity (ROE) | 10.4045% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.2564% | 3,486 |
| Net charge-offs to loans | 0.2022% | 729 |
| Credit loss provision to net charge-offs | 155.5556% | 1,212 |
| Earnings coverage of net charge-offs (x) | 10.1111% | 1,921 |
| Efficiency ratio | 68.0702% | 2,821 |
| Assets per employee ($millions) | 3.3508% | 4,842 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 4,654 |
| Loan loss allowance to noncurrent loans | 75.8105% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 1,324 |
| Noncurrent loans to loans | 1.1168% | 1,641 |
| Net loans and leases to total assets | 62.5002% | 3,487 |
| Net loans and leases to deposits | 70.3083% | 3,762 |
| Net loans and leases to core deposits | 71.5158% | 4,005 |
| Total domestic deposits to total assets | 88.8945% | 1,150 |
| Equity capital to assets | 10.2891% | 3,295 |
| Core capital (leverage) ratio | 11.0200% | 2,416 |
| Tier 1 risk-based capital ratio | 13.8468% | 3,467 |
| Total risk-based capital ratio | 14.5088% | 3,712 |
| Memoranda: | ||
| Average total assets | $58,049,000 | 4,964 |
| Average earning assets | $54,057,000 | 4,954 |
| Average equity | $5,920,500 | 5,067 |
| Average total loans | $35,600,500 | 4,809 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 854 |
| Cost of funding earning assets | 0.5940% | 1,633 |
| Net interest margin | 4.2741% | 1,024 |
| Noninterest income to average assets | 0.0521% | 5,528 |
| Noninterest expense to average assets | 2.8698% | 2,552 |
| Loan and lease loss provision to assets | 0.1488% | 1,526 |
| Net operating income to assets | 1.0080% | 2,207 |
| Return on assets (ROA) | 1.0080% | 2,242 |
| Pretax return on assets | 1.0080% | 3,535 |
| Return on Equity (ROE) | 9.1939% | 2,215 |
| Retained earnings to average equity (ytd only) | 6.2933% | 1,384 |
| Net charge-offs to loans | 0.2478% | 1,052 |
| Credit loss provision to net charge-offs | 97.5610% | 2,650 |
| Earnings coverage of net charge-offs (x) | 7.5854% | 3,023 |
| Efficiency ratio | 71.2702% | 2,341 |
| Assets per employee ($millions) | 3.9423% | 4,058 |
| Cash dividends to net income (ytd only)* | 31.5498% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,725 |
| Loan loss allowance to noncurrent loans | 154.7368% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 1,874 |
| Noncurrent loans to loans | 0.5383% | 2,887 |
| Net loans and leases to total assets | 59.1883% | 3,906 |
| Net loans and leases to deposits | 66.0197% | 4,189 |
| Net loans and leases to core deposits | 67.0954% | 4,359 |
| Total domestic deposits to total assets | 89.6525% | 708 |
| Equity capital to assets | 10.1125% | 3,583 |
| Core capital (leverage) ratio | 10.5766% | 2,766 |
| Tier 1 risk-based capital ratio | 11.1764% | 5,049 |
| Total risk-based capital ratio | 11.7199% | 5,290 |
| Memoranda: | ||
| Average total assets | $53,767,400 | 5,081 |
| Average earning assets | $49,998,600 | 5,060 |
| Average equity | $5,895,200 | 5,113 |
| Average total loans | $33,096,000 | 4,919 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 805 |
| Cost of funding earning assets | 0.5938% | 1,573 |
| Net interest margin | 4.2790% | 973 |
| Noninterest income to average assets | 0.0661% | 5,567 |
| Noninterest expense to average assets | 2.9044% | 2,388 |
| Loan and lease loss provision to assets | 0.1780% | 1,126 |
| Net operating income to assets | 0.9969% | 2,569 |
| Return on assets (ROA) | 0.9969% | 2,622 |
| Pretax return on assets | 0.9969% | 3,701 |
| Return on Equity (ROE) | 8.8977% | 2,666 |
| Retained earnings to average equity (ytd only) | 6.9457% | 1,717 |
| Net charge-offs to loans | 0.1966% | 1,082 |
| Credit loss provision to net charge-offs | 145.8333% | 1,726 |
| Earnings coverage of net charge-offs (x) | 9.6247% | 2,672 |
| Efficiency ratio | 71.1970% | 2,339 |
| Assets per employee ($millions) | 3.4715% | 4,766 |
| Cash dividends to net income (ytd only)* | 21.9382% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,498 |
| Loan loss allowance to noncurrent loans | 297.1963% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 2,293 |
| Noncurrent loans to loans | 0.3073% | 3,839 |
| Net loans and leases to total assets | 62.1201% | 3,640 |
| Net loans and leases to deposits | 70.0390% | 3,960 |
| Net loans and leases to core deposits | 71.2510% | 4,171 |
| Total domestic deposits to total assets | 88.6936% | 1,016 |
| Equity capital to assets | 10.8779% | 2,980 |
| Core capital (leverage) ratio | 11.2174% | 2,254 |
| Tier 1 risk-based capital ratio | 13.3806% | 3,781 |
| Total risk-based capital ratio | 14.0920% | 4,018 |
| Memoranda: | ||
| Average total assets | $52,425,500 | 5,171 |
| Average earning assets | $49,169,250 | 5,136 |
| Average equity | $5,874,000 | 5,175 |
| Average total loans | $32,546,250 | 4,989 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 735 |
| Cost of funding earning assets | 0.5813% | 1,566 |
| Net interest margin | 4.2961% | 875 |
| Noninterest income to average assets | 0.0817% | 5,567 |
| Noninterest expense to average assets | 2.9697% | 2,198 |
| Loan and lease loss provision to assets | 0.0584% | 2,803 |
| Net operating income to assets | 1.1093% | 1,931 |
| Return on assets (ROA) | 1.1093% | 1,984 |
| Pretax return on assets | 1.1093% | 3,141 |
| Return on Equity (ROE) | 9.7972% | 2,125 |
| Retained earnings to average equity (ytd only) | 8.0784% | 1,127 |
| Net charge-offs to loans | -0.0063% | 4,397 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7780% | 2,385 |
| Assets per employee ($millions) | 3.4737% | 4,760 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 4,438 |
| Loan loss allowance to noncurrent loans | 286.2385% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 2,243 |
| Noncurrent loans to loans | 0.3302% | 3,855 |
| Net loans and leases to total assets | 62.7521% | 3,540 |
| Net loans and leases to deposits | 72.6972% | 3,674 |
| Net loans and leases to core deposits | 74.0706% | 3,934 |
| Total domestic deposits to total assets | 86.3199% | 2,232 |
| Equity capital to assets | 11.5344% | 2,292 |
| Core capital (leverage) ratio | 11.5152% | 1,961 |
| Tier 1 risk-based capital ratio | 14.0869% | 3,383 |
| Total risk-based capital ratio | 14.8304% | 3,569 |
| Memoranda: | ||
| Average total assets | $51,386,000 | 5,222 |
| Average earning assets | $48,509,330 | 5,183 |
| Average equity | $5,818,000 | 5,217 |
| Average total loans | $31,787,670 | 5,052 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 699 |
| Cost of funding earning assets | 0.5753% | 1,539 |
| Net interest margin | 4.2607% | 868 |
| Noninterest income to average assets | 0.0470% | 5,734 |
| Noninterest expense to average assets | 2.8691% | 2,551 |
| Loan and lease loss provision to assets | 0.0784% | 2,244 |
| Net operating income to assets | 1.1053% | 1,846 |
| Return on assets (ROA) | 1.1053% | 1,887 |
| Pretax return on assets | 1.1053% | 2,961 |
| Return on Equity (ROE) | 9.8567% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.7169% | 877 |
| Net charge-offs to loans | 0.0128% | 2,550 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 361 |
| Efficiency ratio | 70.7930% | 2,780 |
| Assets per employee ($millions) | 3.4074% | 4,920 |
| Cash dividends to net income (ytd only)* | 1.4184% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,448 |
| Loan loss allowance to noncurrent loans | 227.6119% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 2,385 |
| Noncurrent loans to loans | 0.4258% | 3,567 |
| Net loans and leases to total assets | 60.9732% | 3,668 |
| Net loans and leases to deposits | 69.0921% | 3,883 |
| Net loans and leases to core deposits | 70.3842% | 4,119 |
| Total domestic deposits to total assets | 88.2491% | 1,561 |
| Equity capital to assets | 11.3948% | 2,266 |
| Core capital (leverage) ratio | 11.4816% | 1,963 |
| Tier 1 risk-based capital ratio | 14.6902% | 3,121 |
| Total risk-based capital ratio | 15.4606% | 3,276 |
| Memoranda: | ||
| Average total assets | $51,026,500 | 5,294 |
| Average earning assets | $47,973,500 | 5,246 |
| Average equity | $5,722,000 | 5,279 |
| Average total loans | $31,177,000 | 5,120 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 669 |
| Cost of funding earning assets | 0.5601% | 1,606 |
| Net interest margin | 4.3807% | 806 |
| Noninterest income to average assets | -0.0298% | 5,877 |
| Noninterest expense to average assets | 3.0134% | 2,314 |
| Loan and lease loss provision to assets | 0.0794% | 2,777 |
| Net operating income to assets | 0.9767% | 2,453 |
| Return on assets (ROA) | 0.9767% | 2,562 |
| Pretax return on assets | 0.9767% | 3,553 |
| Return on Equity (ROE) | 8.4992% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.0941% | 2,998 |
| Net charge-offs to loans | 0.0168% | 3,736 |
| Credit loss provision to net charge-offs | 800.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 106.4000% | 568 |
| Efficiency ratio | 74.0488% | 2,284 |
| Assets per employee ($millions) | 3.1839% | 5,167 |
| Cash dividends to net income (ytd only)* | 51.8293% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 4,535 |
| Loan loss allowance to noncurrent loans | 140.9524% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 2,067 |
| Noncurrent loans to loans | 0.6799% | 2,831 |
| Net loans and leases to total assets | 60.0467% | 3,848 |
| Net loans and leases to deposits | 67.7077% | 4,107 |
| Net loans and leases to core deposits | 68.9640% | 4,324 |
| Total domestic deposits to total assets | 88.6852% | 1,275 |
| Equity capital to assets | 11.0322% | 2,608 |
| Core capital (leverage) ratio | 11.1331% | 2,227 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,098 |
| Total risk-based capital ratio | 15.4739% | 3,267 |
| Memoranda: | ||
| Average total assets | $50,375,200 | 5,336 |
| Average earning assets | $47,138,200 | 5,306 |
| Average equity | $5,788,800 | 5,313 |
| Average total loans | $29,724,600 | 5,193 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 692 |
| Cost of funding earning assets | 0.5419% | 1,776 |
| Net interest margin | 4.3835% | 800 |
| Noninterest income to average assets | -0.0584% | 5,953 |
| Noninterest expense to average assets | 2.9674% | 2,409 |
| Loan and lease loss provision to assets | 0.1062% | 2,157 |
| Net operating income to assets | 0.9688% | 2,572 |
| Return on assets (ROA) | 0.9688% | 2,709 |
| Pretax return on assets | 0.9688% | 3,743 |
| Return on Equity (ROE) | 8.3459% | 2,834 |
| Retained earnings to average equity (ytd only) | 5.0075% | 2,821 |
| Net charge-offs to loans | 0.0045% | 3,760 |
| Credit loss provision to net charge-offs | 4,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 406.0075% | 222 |
| Efficiency ratio | 73.4077% | 2,379 |
| Assets per employee ($millions) | 3.4165% | 4,887 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,501 |
| Loan loss allowance to noncurrent loans | 322.5806% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 2,861 |
| Noncurrent loans to loans | 0.3047% | 4,159 |
| Net loans and leases to total assets | 58.9721% | 3,993 |
| Net loans and leases to deposits | 67.1272% | 4,230 |
| Net loans and leases to core deposits | 67.5941% | 4,500 |
| Total domestic deposits to total assets | 87.8512% | 1,478 |
| Equity capital to assets | 11.7702% | 2,284 |
| Core capital (leverage) ratio | 11.3350% | 2,164 |
| Tier 1 risk-based capital ratio | 14.8797% | 3,109 |
| Total risk-based capital ratio | 15.6686% | 3,258 |
| Memoranda: | ||
| Average total assets | $50,233,500 | 5,394 |
| Average earning assets | $46,993,500 | 5,362 |
| Average equity | $5,831,000 | 5,365 |
| Average total loans | $29,434,500 | 5,259 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 687 |
| Cost of funding earning assets | 0.5223% | 1,925 |
| Net interest margin | 4.4007% | 766 |
| Noninterest income to average assets | 0.0561% | 5,903 |
| Noninterest expense to average assets | 2.9021% | 2,665 |
| Loan and lease loss provision to assets | 0.1203% | 1,895 |
| Net operating income to assets | 1.1544% | 1,757 |
| Return on assets (ROA) | 1.1544% | 1,872 |
| Pretax return on assets | 1.1544% | 2,968 |
| Return on Equity (ROE) | 9.9931% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.8355% | 1,696 |
| Net charge-offs to loans | 0.0550% | 2,411 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 1,166 |
| Efficiency ratio | 69.4818% | 3,059 |
| Assets per employee ($millions) | 3.1106% | 5,317 |
| Cash dividends to net income (ytd only)* | 31.5972% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,753 |
| Loan loss allowance to noncurrent loans | 297.8947% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 1,905 |
| Noncurrent loans to loans | 0.3194% | 4,226 |
| Net loans and leases to total assets | 59.1943% | 3,988 |
| Net loans and leases to deposits | 69.1686% | 4,064 |
| Net loans and leases to core deposits | 70.0985% | 4,315 |
| Total domestic deposits to total assets | 85.5797% | 2,616 |
| Equity capital to assets | 12.0394% | 2,101 |
| Core capital (leverage) ratio | 11.7521% | 1,812 |
| Tier 1 risk-based capital ratio | 15.0770% | 3,044 |
| Total risk-based capital ratio | 15.8340% | 3,201 |
| Memoranda: | ||
| Average total assets | $49,895,330 | 5,462 |
| Average earning assets | $46,720,330 | 5,430 |
| Average equity | $5,764,000 | 5,429 |
| Average total loans | $29,072,000 | 5,327 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 642 |
| Cost of funding earning assets | 0.4994% | 2,111 |
| Net interest margin | 4.4511% | 668 |
| Noninterest income to average assets | 0.0480% | 5,974 |
| Noninterest expense to average assets | 2.8424% | 2,913 |
| Loan and lease loss provision to assets | 0.1201% | 1,755 |
| Net operating income to assets | 1.2250% | 1,477 |
| Return on assets (ROA) | 1.2250% | 1,584 |
| Pretax return on assets | 1.2250% | 2,601 |
| Return on Equity (ROE) | 10.8319% | 1,666 |
| Retained earnings to average equity (ytd only) | 8.3540% | 1,321 |
| Net charge-offs to loans | 0.2088% | 962 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,874 |
| Efficiency ratio | 67.8776% | 3,481 |
| Assets per employee ($millions) | 3.0944% | 5,408 |
| Cash dividends to net income (ytd only)* | 22.8758% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 5,043 |
| Loan loss allowance to noncurrent loans | 73.5211% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 1,974 |
| Noncurrent loans to loans | 1.2321% | 1,963 |
| Net loans and leases to total assets | 57.6680% | 4,079 |
| Net loans and leases to deposits | 65.5720% | 4,296 |
| Net loans and leases to core deposits | 67.2540% | 4,454 |
| Total domestic deposits to total assets | 87.9461% | 1,671 |
| Equity capital to assets | 11.7449% | 2,205 |
| Core capital (leverage) ratio | 11.1971% | 2,224 |
| Tier 1 risk-based capital ratio | 14.8138% | 3,240 |
| Total risk-based capital ratio | 15.5095% | 3,452 |
| Memoranda: | ||
| Average total assets | $49,958,000 | 5,515 |
| Average earning assets | $46,460,000 | 5,479 |
| Average equity | $5,650,000 | 5,487 |
| Average total loans | $28,736,000 | 5,386 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 596 |
| Cost of funding earning assets | 0.4993% | 2,161 |
| Net interest margin | 4.5242% | 628 |
| Noninterest income to average assets | 0.0689% | 5,954 |
| Noninterest expense to average assets | 3.0609% | 2,348 |
| Loan and lease loss provision to assets | 0.0953% | 2,408 |
| Net operating income to assets | 1.1372% | 1,782 |
| Return on assets (ROA) | 1.1392% | 1,840 |
| Pretax return on assets | 1.1392% | 2,889 |
| Return on Equity (ROE) | 10.4554% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.6602% | 1,465 |
| Net charge-offs to loans | 0.3046% | 989 |
| Credit loss provision to net charge-offs | 55.9524% | 3,316 |
| Earnings coverage of net charge-offs (x) | 7.2381% | 3,100 |
| Efficiency ratio | 71.2937% | 3,016 |
| Assets per employee ($millions) | 3.6004% | 4,640 |
| Cash dividends to net income (ytd only)* | 36.2989% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 5,049 |
| Loan loss allowance to noncurrent loans | 129.2079% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 2,838 |
| Noncurrent loans to loans | 0.7048% | 3,079 |
| Net loans and leases to total assets | 56.3396% | 4,268 |
| Net loans and leases to deposits | 63.4266% | 4,514 |
| Net loans and leases to core deposits | 65.0018% | 4,672 |
| Total domestic deposits to total assets | 88.8265% | 1,210 |
| Equity capital to assets | 10.8819% | 2,959 |
| Core capital (leverage) ratio | 10.7672% | 2,636 |
| Tier 1 risk-based capital ratio | 13.2848% | 4,111 |
| Total risk-based capital ratio | 13.9222% | 4,431 |
| Memoranda: | ||
| Average total assets | $49,331,200 | 5,560 |
| Average earning assets | $46,063,400 | 5,527 |
| Average equity | $5,375,200 | 5,563 |
| Average total loans | $27,575,800 | 5,458 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 601 |
| Cost of funding earning assets | 0.4993% | 2,216 |
| Net interest margin | 4.5140% | 630 |
| Noninterest income to average assets | 0.0734% | 6,036 |
| Noninterest expense to average assets | 3.0627% | 2,327 |
| Loan and lease loss provision to assets | 0.0544% | 3,108 |
| Net operating income to assets | 1.1821% | 1,712 |
| Return on assets (ROA) | 1.1849% | 1,767 |
| Pretax return on assets | 1.1849% | 2,877 |
| Return on Equity (ROE) | 10.8704% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.7760% | 983 |
| Net charge-offs to loans | 0.0537% | 2,836 |
| Credit loss provision to net charge-offs | 181.8182% | 1,455 |
| Earnings coverage of net charge-offs (x) | 41.3531% | 1,211 |
| Efficiency ratio | 71.2389% | 3,009 |
| Assets per employee ($millions) | 3.8014% | 4,262 |
| Cash dividends to net income (ytd only)* | 19.2665% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 4,401 |
| Loan loss allowance to noncurrent loans | 154.2714% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 3,034 |
| Noncurrent loans to loans | 0.6919% | 3,246 |
| Net loans and leases to total assets | 57.5782% | 4,191 |
| Net loans and leases to deposits | 65.1255% | 4,459 |
| Net loans and leases to core deposits | 66.7746% | 4,639 |
| Total domestic deposits to total assets | 88.4111% | 1,336 |
| Equity capital to assets | 11.2671% | 2,733 |
| Core capital (leverage) ratio | 11.0049% | 2,485 |
| Tier 1 risk-based capital ratio | 14.6009% | 3,498 |
| Total risk-based capital ratio | 15.4257% | 3,678 |
| Memoranda: | ||
| Average total assets | $49,062,750 | 5,634 |
| Average earning assets | $45,929,500 | 5,596 |
| Average equity | $5,347,750 | 5,639 |
| Average total loans | $27,305,000 | 5,532 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 710 |
| Cost of funding earning assets | 0.4945% | 2,302 |
| Net interest margin | 4.4196% | 738 |
| Noninterest income to average assets | 0.0817% | 6,085 |
| Noninterest expense to average assets | 3.0238% | 2,487 |
| Loan and lease loss provision to assets | 0.0817% | 2,474 |
| Net operating income to assets | 1.1033% | 1,941 |
| Return on assets (ROA) | 1.1074% | 2,010 |
| Pretax return on assets | 1.1074% | 3,138 |
| Return on Equity (ROE) | 10.2762% | 1,943 |
| Retained earnings to average equity (ytd only) | 8.4940% | 1,075 |
| Net charge-offs to loans | 0.0224% | 3,220 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 612 |
| Efficiency ratio | 71.8447% | 3,019 |
| Assets per employee ($millions) | 3.2601% | 5,227 |
| Cash dividends to net income (ytd only)* | 17.3432% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 4,106 |
| Loan loss allowance to noncurrent loans | 156.7164% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 3,103 |
| Noncurrent loans to loans | 0.7313% | 3,286 |
| Net loans and leases to total assets | 55.5642% | 4,380 |
| Net loans and leases to deposits | 63.3321% | 4,589 |
| Net loans and leases to core deposits | 64.5017% | 4,776 |
| Total domestic deposits to total assets | 87.7347% | 1,778 |
| Equity capital to assets | 10.7746% | 3,137 |
| Core capital (leverage) ratio | 10.6121% | 2,841 |
| Tier 1 risk-based capital ratio | 14.5345% | 3,615 |
| Total risk-based capital ratio | 15.4096% | 3,765 |
| Memoranda: | ||
| Average total assets | $48,944,330 | 5,698 |
| Average earning assets | $45,705,330 | 5,662 |
| Average equity | $5,274,330 | 5,713 |
| Average total loans | $26,819,670 | 5,598 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 746 |
| Cost of funding earning assets | 0.4933% | 2,346 |
| Net interest margin | 4.3784% | 768 |
| Noninterest income to average assets | 0.0654% | 6,190 |
| Noninterest expense to average assets | 3.1124% | 2,232 |
| Loan and lease loss provision to assets | 0.1225% | 1,698 |
| Net operating income to assets | 0.8904% | 2,786 |
| Return on assets (ROA) | 0.8986% | 2,875 |
| Pretax return on assets | 0.8986% | 3,902 |
| Return on Equity (ROE) | 8.3381% | 2,790 |
| Retained earnings to average equity (ytd only) | 7.2011% | 1,923 |
| Net charge-offs to loans | -0.1208% | 5,921 |
| Credit loss provision to net charge-offs | -187.5000% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4455% | 2,594 |
| Assets per employee ($millions) | 3.3109% | 5,221 |
| Cash dividends to net income (ytd only)* | 13.6364% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 3,877 |
| Loan loss allowance to noncurrent loans | 126.8775% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 2,943 |
| Noncurrent loans to loans | 0.9580% | 2,865 |
| Net loans and leases to total assets | 52.5270% | 4,611 |
| Net loans and leases to deposits | 59.1703% | 4,811 |
| Net loans and leases to core deposits | 59.8848% | 4,999 |
| Total domestic deposits to total assets | 88.7726% | 1,409 |
| Equity capital to assets | 10.9617% | 3,011 |
| Core capital (leverage) ratio | 10.5863% | 2,860 |
| Tier 1 risk-based capital ratio | 14.3248% | 3,818 |
| Total risk-based capital ratio | 15.2131% | 3,966 |
| Memoranda: | ||
| Average total assets | $48,965,500 | 5,745 |
| Average earning assets | $45,404,500 | 5,728 |
| Average equity | $5,277,000 | 5,764 |
| Average total loans | $26,486,000 | 5,655 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 836 |
| Cost of funding earning assets | 0.4895% | 2,777 |
| Net interest margin | 4.4725% | 787 |
| Noninterest income to average assets | 0.0296% | 6,339 |
| Noninterest expense to average assets | 3.1554% | 2,338 |
| Loan and lease loss provision to assets | 0.4773% | 334 |
| Net operating income to assets | 0.6231% | 4,259 |
| Return on assets (ROA) | 0.5998% | 4,465 |
| Pretax return on assets | 0.5998% | 4,940 |
| Return on Equity (ROE) | 6.0557% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.7293% | 4,300 |
| Net charge-offs to loans | 0.6379% | 611 |
| Credit loss provision to net charge-offs | 137.8049% | 1,716 |
| Earnings coverage of net charge-offs (x) | 3.1768% | 3,955 |
| Efficiency ratio | 74.1439% | 2,809 |
| Assets per employee ($millions) | 3.2178% | 5,410 |
| Cash dividends to net income (ytd only)* | 54.9296% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 4,439 |
| Loan loss allowance to noncurrent loans | 53.9855% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 1,823 |
| Noncurrent loans to loans | 2.0780% | 1,314 |
| Net loans and leases to total assets | 54.4181% | 4,528 |
| Net loans and leases to deposits | 61.0482% | 4,801 |
| Net loans and leases to core deposits | 61.4079% | 5,048 |
| Total domestic deposits to total assets | 89.1396% | 1,157 |
| Equity capital to assets | 10.5869% | 3,379 |
| Core capital (leverage) ratio | 10.5324% | 2,909 |
| Tier 1 risk-based capital ratio | 14.4044% | 3,829 |
| Total risk-based capital ratio | 15.2490% | 4,026 |
| Memoranda: | ||
| Average total assets | $47,347,400 | 5,848 |
| Average earning assets | $44,740,000 | 5,808 |
| Average equity | $4,689,800 | 5,932 |
| Average total loans | $25,707,400 | 5,746 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 854 |
| Cost of funding earning assets | 0.4839% | 2,914 |
| Net interest margin | 4.4571% | 807 |
| Noninterest income to average assets | 0.0509% | 6,379 |
| Noninterest expense to average assets | 3.0561% | 2,609 |
| Loan and lease loss provision to assets | 0.4641% | 327 |
| Net operating income to assets | 0.7527% | 3,656 |
| Return on assets (ROA) | 0.7216% | 3,935 |
| Pretax return on assets | 0.7216% | 4,627 |
| Return on Equity (ROE) | 7.4157% | 3,488 |
| Retained earnings to average equity (ytd only) | 4.5948% | 3,366 |
| Net charge-offs to loans | 0.4550% | 862 |
| Credit loss provision to net charge-offs | 188.5057% | 1,335 |
| Earnings coverage of net charge-offs (x) | 4.9424% | 3,349 |
| Efficiency ratio | 71.5232% | 3,266 |
| Assets per employee ($millions) | 3.1730% | 5,482 |
| Cash dividends to net income (ytd only)* | 38.0394% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 4,339 |
| Loan loss allowance to noncurrent loans | 60.3083% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 2,728 |
| Noncurrent loans to loans | 1.9575% | 1,628 |
| Net loans and leases to total assets | 55.0499% | 4,454 |
| Net loans and leases to deposits | 62.7539% | 4,673 |
| Net loans and leases to core deposits | 62.7539% | 4,982 |
| Total domestic deposits to total assets | 87.7235% | 1,911 |
| Equity capital to assets | 10.3918% | 3,689 |
| Core capital (leverage) ratio | 10.7873% | 2,707 |
| Tier 1 risk-based capital ratio | 14.7640% | 3,722 |
| Total risk-based capital ratio | 15.6681% | 3,878 |
| Memoranda: | ||
| Average total assets | $47,117,500 | 5,927 |
| Average earning assets | $44,631,750 | 5,877 |
| Average equity | $4,584,750 | 6,025 |
| Average total loans | $25,493,250 | 5,819 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 734 |
| Cost of funding earning assets | 0.4810% | 3,014 |
| Net interest margin | 4.5316% | 661 |
| Noninterest income to average assets | 0.0469% | 6,451 |
| Noninterest expense to average assets | 3.0154% | 2,781 |
| Loan and lease loss provision to assets | 0.1448% | 1,708 |
| Net operating income to assets | 1.1798% | 1,655 |
| Return on assets (ROA) | 1.1329% | 1,899 |
| Pretax return on assets | 1.1329% | 2,960 |
| Return on Equity (ROE) | 11.9167% | 1,448 |
| Retained earnings to average equity (ytd only) | 7.5711% | 1,490 |
| Net charge-offs to loans | 0.1749% | 1,991 |
| Credit loss provision to net charge-offs | 154.5455% | 1,429 |
| Earnings coverage of net charge-offs (x) | 14.1364% | 1,928 |
| Efficiency ratio | 69.4799% | 3,743 |
| Assets per employee ($millions) | 3.3933% | 5,069 |
| Cash dividends to net income (ytd only)* | 36.4662% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 5,555 |
| Loan loss allowance to noncurrent loans | 67.9452% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 3,668 |
| Noncurrent loans to loans | 1.4016% | 2,455 |
| Net loans and leases to total assets | 54.2963% | 4,503 |
| Net loans and leases to deposits | 60.6019% | 4,814 |
| Net loans and leases to core deposits | 60.6019% | 5,092 |
| Total domestic deposits to total assets | 89.5950% | 1,020 |
| Equity capital to assets | 10.1461% | 3,903 |
| Core capital (leverage) ratio | 10.7265% | 2,690 |
| Tier 1 risk-based capital ratio | 14.8649% | 3,709 |
| Total risk-based capital ratio | 15.5846% | 3,976 |
| Memoranda: | ||
| Average total assets | $46,958,330 | 5,985 |
| Average earning assets | $44,487,670 | 5,934 |
| Average equity | $4,464,330 | 6,105 |
| Average total loans | $25,153,000 | 5,874 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 824 |
| Cost of funding earning assets | 0.4775% | 3,141 |
| Net interest margin | 4.4511% | 727 |
| Noninterest income to average assets | -0.0086% | 6,630 |
| Noninterest expense to average assets | 2.9817% | 2,926 |
| Loan and lease loss provision to assets | 0.1285% | 1,888 |
| Net operating income to assets | 1.1139% | 1,756 |
| Return on assets (ROA) | 1.0196% | 2,198 |
| Pretax return on assets | 1.0196% | 3,256 |
| Return on Equity (ROE) | 11.1046% | 1,649 |
| Retained earnings to average equity (ytd only) | 7.7452% | 1,704 |
| Net charge-offs to loans | 0.1781% | 1,653 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 13.1818% | 1,677 |
| Efficiency ratio | 70.5882% | 3,727 |
| Assets per employee ($millions) | 3.3664% | 5,220 |
| Cash dividends to net income (ytd only)* | 30.2521% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 5,694 |
| Loan loss allowance to noncurrent loans | 51.8359% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9824% | 3,298 |
| Noncurrent loans to loans | 1.8364% | 2,088 |
| Net loans and leases to total assets | 52.9865% | 4,543 |
| Net loans and leases to deposits | 58.7411% | 4,868 |
| Net loans and leases to core deposits | 58.7411% | 5,148 |
| Total domestic deposits to total assets | 90.2035% | 967 |
| Equity capital to assets | 9.5589% | 4,415 |
| Core capital (leverage) ratio | 10.5974% | 2,811 |
| Tier 1 risk-based capital ratio | 14.7579% | 3,847 |
| Total risk-based capital ratio | 15.4613% | 4,132 |
| Memoranda: | ||
| Average total assets | $46,684,500 | 6,051 |
| Average earning assets | $44,394,000 | 5,990 |
| Average equity | $4,286,500 | 6,189 |
| Average total loans | $24,708,500 | 5,951 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,682 |
| Cost of funding earning assets | 0.6039% | 2,626 |
| Net interest margin | 4.0577% | 1,779 |
| Noninterest income to average assets | 0.0546% | 6,539 |
| Noninterest expense to average assets | 2.9813% | 3,107 |
| Loan and lease loss provision to assets | 0.1828% | 2,015 |
| Net operating income to assets | 0.7164% | 3,709 |
| Return on assets (ROA) | 0.7290% | 3,750 |
| Pretax return on assets | 0.7290% | 4,421 |
| Return on Equity (ROE) | 7.5274% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.1000% | 3,261 |
| Net charge-offs to loans | 0.3308% | 2,026 |
| Credit loss provision to net charge-offs | 111.5385% | 2,156 |
| Earnings coverage of net charge-offs (x) | 5.4872% | 3,289 |
| Efficiency ratio | 76.8273% | 2,651 |
| Assets per employee ($millions) | 2.8900% | 5,997 |
| Cash dividends to net income (ytd only)* | 45.5331% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,685 |
| Loan loss allowance to noncurrent loans | 50.5353% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 3,401 |
| Noncurrent loans to loans | 1.9294% | 2,077 |
| Net loans and leases to total assets | 51.8361% | 4,879 |
| Net loans and leases to deposits | 57.1657% | 5,194 |
| Net loans and leases to core deposits | 57.1657% | 5,452 |
| Total domestic deposits to total assets | 90.6769% | 716 |
| Equity capital to assets | 8.7976% | 5,257 |
| Core capital (leverage) ratio | 10.3665% | 3,062 |
| Tier 1 risk-based capital ratio | 15.2012% | 3,546 |
| Total risk-based capital ratio | 15.9255% | 3,795 |
| Memoranda: | ||
| Average total assets | $47,597,200 | 6,076 |
| Average earning assets | $44,877,400 | 6,026 |
| Average equity | $4,609,800 | 6,168 |
| Average total loans | $23,578,200 | 6,053 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 1,844 |
| Cost of funding earning assets | 0.6256% | 2,600 |
| Net interest margin | 3.9909% | 1,977 |
| Noninterest income to average assets | 0.0528% | 6,626 |
| Noninterest expense to average assets | 2.8954% | 3,323 |
| Loan and lease loss provision to assets | 0.1279% | 2,688 |
| Net operating income to assets | 0.7732% | 3,493 |
| Return on assets (ROA) | 0.7899% | 3,530 |
| Pretax return on assets | 0.7899% | 4,330 |
| Return on Equity (ROE) | 7.9798% | 3,132 |
| Retained earnings to average equity (ytd only) | 4.8889% | 3,158 |
| Net charge-offs to loans | 0.2220% | 2,478 |
| Credit loss provision to net charge-offs | 117.9487% | 1,991 |
| Earnings coverage of net charge-offs (x) | 8.3075% | 2,640 |
| Efficiency ratio | 76.2637% | 2,689 |
| Assets per employee ($millions) | 2.9284% | 5,960 |
| Cash dividends to net income (ytd only)* | 38.7313% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 5,853 |
| Loan loss allowance to noncurrent loans | 95.1220% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 4,865 |
| Noncurrent loans to loans | 1.0176% | 3,771 |
| Net loans and leases to total assets | 51.0970% | 4,996 |
| Net loans and leases to deposits | 56.2788% | 5,351 |
| Net loans and leases to core deposits | 56.6584% | 5,565 |
| Total domestic deposits to total assets | 90.7927% | 618 |
| Equity capital to assets | 8.8573% | 5,348 |
| Core capital (leverage) ratio | 10.2540% | 3,320 |
| Tier 1 risk-based capital ratio | 15.0811% | 3,698 |
| Total risk-based capital ratio | 15.7988% | 3,996 |
| Memoranda: | ||
| Average total assets | $47,936,500 | 6,141 |
| Average earning assets | $44,967,500 | 6,095 |
| Average equity | $4,745,250 | 6,209 |
| Average total loans | $23,421,500 | 6,121 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,902 |
| Cost of funding earning assets | 0.6527% | 2,466 |
| Net interest margin | 3.9294% | 2,116 |
| Noninterest income to average assets | 0.3975% | 4,546 |
| Noninterest expense to average assets | 2.9898% | 3,032 |
| Loan and lease loss provision to assets | 0.1284% | 2,714 |
| Net operating income to assets | 0.9442% | 2,595 |
| Return on assets (ROA) | 0.9442% | 2,740 |
| Pretax return on assets | 0.9442% | 3,736 |
| Return on Equity (ROE) | 9.2239% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.7157% | 2,031 |
| Net charge-offs to loans | 0.2503% | 2,225 |
| Credit loss provision to net charge-offs | 106.8966% | 2,073 |
| Earnings coverage of net charge-offs (x) | 8.9310% | 2,347 |
| Efficiency ratio | 73.5984% | 3,205 |
| Assets per employee ($millions) | 3.0254% | 5,811 |
| Cash dividends to net income (ytd only)* | 27.1930% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 5,953 |
| Loan loss allowance to noncurrent loans | 135.5030% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 5,438 |
| Noncurrent loans to loans | 0.7105% | 4,511 |
| Net loans and leases to total assets | 48.6665% | 5,267 |
| Net loans and leases to deposits | 53.9492% | 5,524 |
| Net loans and leases to core deposits | 54.3036% | 5,731 |
| Total domestic deposits to total assets | 90.2080% | 901 |
| Equity capital to assets | 9.5523% | 4,512 |
| Core capital (leverage) ratio | 10.0551% | 3,439 |
| Tier 1 risk-based capital ratio | 15.1000% | 3,708 |
| Total risk-based capital ratio | 15.8014% | 4,042 |
| Memoranda: | ||
| Average total assets | $48,297,330 | 6,170 |
| Average earning assets | $45,045,330 | 6,135 |
| Average equity | $4,943,670 | 6,199 |
| Average total loans | $23,170,330 | 6,169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,916 |
| Cost of funding earning assets | 0.6905% | 2,306 |
| Net interest margin | 3.8831% | 2,170 |
| Noninterest income to average assets | 0.0663% | 6,683 |
| Noninterest expense to average assets | 2.2967% | 5,435 |
| Loan and lease loss provision to assets | 0.1327% | 2,578 |
| Net operating income to assets | 1.2271% | 1,441 |
| Return on assets (ROA) | 1.2271% | 1,556 |
| Pretax return on assets | 1.2271% | 2,480 |
| Return on Equity (ROE) | 11.5999% | 1,528 |
| Retained earnings to average equity (ytd only) | 9.5621% | 1,226 |
| Net charge-offs to loans | 0.1225% | 2,689 |
| Credit loss provision to net charge-offs | 228.5714% | 995 |
| Earnings coverage of net charge-offs (x) | 23.4286% | 1,106 |
| Efficiency ratio | 62.8118% | 5,178 |
| Assets per employee ($millions) | 3.0798% | 5,856 |
| Cash dividends to net income (ytd only)* | 17.5676% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,887 |
| Loan loss allowance to noncurrent loans | 29.3168% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 2,818 |
| Noncurrent loans to loans | 3.5059% | 1,366 |
| Net loans and leases to total assets | 46.1178% | 5,429 |
| Net loans and leases to deposits | 51.6442% | 5,655 |
| Net loans and leases to core deposits | 51.9809% | 5,824 |
| Total domestic deposits to total assets | 89.2991% | 1,489 |
| Equity capital to assets | 10.4554% | 3,591 |
| Core capital (leverage) ratio | 10.2071% | 3,140 |
| Tier 1 risk-based capital ratio | 15.7954% | 3,377 |
| Total risk-based capital ratio | 16.5570% | 3,606 |
| Memoranda: | ||
| Average total assets | $48,242,500 | 6,233 |
| Average earning assets | $44,603,500 | 6,199 |
| Average equity | $5,103,500 | 6,217 |
| Average total loans | $22,862,000 | 6,232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 1,452 |
| Cost of funding earning assets | 0.9516% | 1,634 |
| Net interest margin | 4.0896% | 2,043 |
| Noninterest income to average assets | 0.0539% | 6,672 |
| Noninterest expense to average assets | 3.1575% | 2,745 |
| Loan and lease loss provision to assets | 0.1616% | 3,591 |
| Net operating income to assets | 0.4677% | 4,808 |
| Return on assets (ROA) | 0.5087% | 4,913 |
| Pretax return on assets | 0.5087% | 5,256 |
| Return on Equity (ROE) | 4.8100% | 4,777 |
| Retained earnings to average equity (ytd only) | 2.5273% | 4,447 |
| Net charge-offs to loans | 0.1696% | 4,020 |
| Credit loss provision to net charge-offs | 197.3684% | 1,318 |
| Earnings coverage of net charge-offs (x) | 7.6842% | 2,552 |
| Efficiency ratio | 83.3808% | 1,700 |
| Assets per employee ($millions) | 2.9506% | 6,081 |
| Cash dividends to net income (ytd only)* | 47.4576% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 5,979 |
| Loan loss allowance to noncurrent loans | 117.6166% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 5,467 |
| Noncurrent loans to loans | 0.8479% | 4,493 |
| Net loans and leases to total assets | 47.7367% | 5,438 |
| Net loans and leases to deposits | 53.6125% | 5,683 |
| Net loans and leases to core deposits | 53.9784% | 5,875 |
| Total domestic deposits to total assets | 89.0402% | 1,536 |
| Equity capital to assets | 10.7077% | 3,274 |
| Core capital (leverage) ratio | 10.0132% | 3,379 |
| Tier 1 risk-based capital ratio | 15.7053% | 3,314 |
| Total risk-based capital ratio | 16.4535% | 3,556 |
| Memoranda: | ||
| Average total assets | $46,397,200 | 6,314 |
| Average earning assets | $42,351,400 | 6,295 |
| Average equity | $4,906,400 | 6,324 |
| Average total loans | $22,410,400 | 6,327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 1,345 |
| Cost of funding earning assets | 1.0025% | 1,541 |
| Net interest margin | 4.1308% | 1,972 |
| Noninterest income to average assets | 0.0404% | 6,832 |
| Noninterest expense to average assets | 3.1114% | 2,850 |
| Loan and lease loss provision to assets | 0.1818% | 3,321 |
| Net operating income to assets | 0.4935% | 4,869 |
| Return on assets (ROA) | 0.4993% | 5,111 |
| Pretax return on assets | 0.4993% | 5,468 |
| Return on Equity (ROE) | 4.7371% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.3275% | 5,174 |
| Net charge-offs to loans | 0.0478% | 4,983 |
| Credit loss provision to net charge-offs | 787.5000% | 356 |
| Earnings coverage of net charge-offs (x) | 29.2399% | 1,121 |
| Efficiency ratio | 82.1646% | 1,789 |
| Assets per employee ($millions) | 2.9466% | 6,133 |
| Cash dividends to net income (ytd only)* | 50.8671% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,748 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 5,110 |
| Noncurrent loans to loans | 1.3112% | 3,849 |
| Net loans and leases to total assets | 47.0390% | 5,653 |
| Net loans and leases to deposits | 52.8981% | 5,896 |
| Net loans and leases to core deposits | 53.2602% | 6,097 |
| Total domestic deposits to total assets | 88.9238% | 1,476 |
| Equity capital to assets | 10.7496% | 3,556 |
| Core capital (leverage) ratio | 9.9375% | 3,635 |
| Tier 1 risk-based capital ratio | 18.0865% | 2,302 |
| Total risk-based capital ratio | 19.0241% | 2,402 |
| Memoranda: | ||
| Average total assets | $46,194,250 | 6,393 |
| Average earning assets | $41,895,750 | 6,381 |
| Average equity | $4,869,250 | 6,404 |
| Average total loans | $22,322,250 | 6,404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 1,126 |
| Cost of funding earning assets | 1.0595% | 1,416 |
| Net interest margin | 4.1994% | 1,754 |
| Noninterest income to average assets | 0.0174% | 6,952 |
| Noninterest expense to average assets | 3.1475% | 2,755 |
| Loan and lease loss provision to assets | 0.2311% | 2,766 |
| Net operating income to assets | 0.4229% | 5,133 |
| Return on assets (ROA) | 0.4229% | 5,366 |
| Pretax return on assets | 0.4229% | 5,650 |
| Return on Equity (ROE) | 4.0391% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.8732% | 4,714 |
| Net charge-offs to loans | 0.0628% | 4,549 |
| Credit loss provision to net charge-offs | 757.1429% | 414 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,345 |
| Efficiency ratio | 82.7982% | 1,775 |
| Assets per employee ($millions) | 2.9743% | 6,117 |
| Cash dividends to net income (ytd only)* | 28.8660% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 6,020 |
| Loan loss allowance to noncurrent loans | 165.0350% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 6,014 |
| Noncurrent loans to loans | 0.6271% | 5,256 |
| Net loans and leases to total assets | 47.4206% | 5,670 |
| Net loans and leases to deposits | 53.1751% | 5,941 |
| Net loans and leases to core deposits | 53.5347% | 6,126 |
| Total domestic deposits to total assets | 89.1782% | 1,404 |
| Equity capital to assets | 10.5255% | 3,658 |
| Core capital (leverage) ratio | 10.2196% | 3,117 |
| Tier 1 risk-based capital ratio | 15.6260% | 3,376 |
| Total risk-based capital ratio | 16.4090% | 3,627 |
| Memoranda: | ||
| Average total assets | $45,877,000 | 6,439 |
| Average earning assets | $41,339,670 | 6,436 |
| Average equity | $4,803,000 | 6,447 |
| Average total loans | $22,289,000 | 6,450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 1,275 |
| Cost of funding earning assets | 1.1063% | 1,375 |
| Net interest margin | 4.1119% | 2,052 |
| Noninterest income to average assets | 0.0622% | 6,888 |
| Noninterest expense to average assets | 3.0297% | 3,155 |
| Loan and lease loss provision to assets | 0.3732% | 1,692 |
| Net operating income to assets | 0.3909% | 5,294 |
| Return on assets (ROA) | 0.3909% | 5,480 |
| Pretax return on assets | 0.3909% | 5,751 |
| Return on Equity (ROE) | 3.7447% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.3617% | 5,555 |
| Net charge-offs to loans | -0.0363% | 6,412 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8595% | 2,222 |
| Assets per employee ($millions) | 3.0340% | 6,089 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,098 |
| Loan loss allowance to noncurrent loans | 59.2405% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 4,346 |
| Noncurrent loans to loans | 1.7650% | 3,460 |
| Net loans and leases to total assets | 48.6618% | 5,474 |
| Net loans and leases to deposits | 54.5293% | 5,754 |
| Net loans and leases to core deposits | 54.9147% | 5,991 |
| Total domestic deposits to total assets | 89.2397% | 1,525 |
| Equity capital to assets | 10.4197% | 3,596 |
| Core capital (leverage) ratio | 10.4373% | 2,826 |
| Tier 1 risk-based capital ratio | 17.8115% | 2,352 |
| Total risk-based capital ratio | 18.7065% | 2,462 |
| Memoranda: | ||
| Average total assets | $45,021,000 | 6,508 |
| Average earning assets | $40,857,500 | 6,496 |
| Average equity | $4,700,000 | 6,514 |
| Average total loans | $22,032,000 | 6,510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 1,028 |
| Cost of funding earning assets | 1.2934% | 1,512 |
| Net interest margin | 4.2715% | 1,801 |
| Noninterest income to average assets | 0.0250% | 6,924 |
| Noninterest expense to average assets | 3.1572% | 3,004 |
| Loan and lease loss provision to assets | 0.1136% | 5,171 |
| Net operating income to assets | 0.6473% | 3,748 |
| Return on assets (ROA) | 0.6587% | 3,884 |
| Pretax return on assets | 0.6587% | 4,481 |
| Return on Equity (ROE) | 7.1436% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.8527% | 2,750 |
| Net charge-offs to loans | -0.0879% | 7,121 |
| Credit loss provision to net charge-offs | -263.1579% | 6,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5797% | 2,222 |
| Assets per employee ($millions) | 2.9688% | 6,161 |
| Cash dividends to net income (ytd only)* | 32.0690% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 6,589 |
| Loan loss allowance to noncurrent loans | 79.8319% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 4,914 |
| Noncurrent loans to loans | 1.0976% | 4,514 |
| Net loans and leases to total assets | 48.2664% | 5,797 |
| Net loans and leases to deposits | 54.0934% | 6,059 |
| Net loans and leases to core deposits | 54.4842% | 6,264 |
| Total domestic deposits to total assets | 89.2280% | 1,405 |
| Equity capital to assets | 10.4599% | 3,579 |
| Core capital (leverage) ratio | 10.6822% | 2,541 |
| Tier 1 risk-based capital ratio | 16.5886% | 2,783 |
| Total risk-based capital ratio | 17.2678% | 2,995 |
| Memoranda: | ||
| Average total assets | $44,026,200 | 6,538 |
| Average earning assets | $40,126,200 | 6,525 |
| Average equity | $4,059,600 | 6,735 |
| Average total loans | $21,624,000 | 6,575 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 1,039 |
| Cost of funding earning assets | 1.3313% | 1,545 |
| Net interest margin | 4.2641% | 1,857 |
| Noninterest income to average assets | 0.0790% | 6,847 |
| Noninterest expense to average assets | 3.1283% | 3,061 |
| Loan and lease loss provision to assets | 0.1519% | 4,556 |
| Net operating income to assets | 0.6803% | 3,714 |
| Return on assets (ROA) | 0.6955% | 3,817 |
| Pretax return on assets | 0.6955% | 4,498 |
| Return on Equity (ROE) | 7.8090% | 3,130 |
| Retained earnings to average equity (ytd only) | 5.5923% | 2,797 |
| Net charge-offs to loans | -0.1296% | 7,205 |
| Credit loss provision to net charge-offs | -238.0952% | 6,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9877% | 2,407 |
| Assets per employee ($millions) | 2.9777% | 6,171 |
| Cash dividends to net income (ytd only)* | 28.3824% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 6,616 |
| Loan loss allowance to noncurrent loans | 82.7586% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 5,081 |
| Noncurrent loans to loans | 1.0794% | 4,755 |
| Net loans and leases to total assets | 47.6906% | 5,992 |
| Net loans and leases to deposits | 53.5416% | 6,253 |
| Net loans and leases to core deposits | 53.9279% | 6,465 |
| Total domestic deposits to total assets | 89.0720% | 1,391 |
| Equity capital to assets | 10.5765% | 3,604 |
| Core capital (leverage) ratio | 10.5022% | 2,867 |
| Tier 1 risk-based capital ratio | 18.1072% | 2,215 |
| Total risk-based capital ratio | 18.8615% | 2,364 |
| Memoranda: | ||
| Average total assets | $43,899,750 | 6,596 |
| Average earning assets | $39,960,750 | 6,590 |
| Average equity | $3,910,000 | 6,831 |
| Average total loans | $21,609,000 | 6,642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5553% | 1,163 |
| Cost of funding earning assets | 1.3751% | 1,526 |
| Net interest margin | 4.1802% | 2,120 |
| Noninterest income to average assets | 0.1146% | 6,761 |
| Noninterest expense to average assets | 3.1115% | 3,209 |
| Loan and lease loss provision to assets | 0.2062% | 3,859 |
| Net operating income to assets | 0.6415% | 3,845 |
| Return on assets (ROA) | 0.6415% | 3,967 |
| Pretax return on assets | 0.6415% | 4,608 |
| Return on Equity (ROE) | 7.6951% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.4415% | 2,718 |
| Net charge-offs to loans | -0.2864% | 7,342 |
| Credit loss provision to net charge-offs | -145.1613% | 6,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5880% | 2,613 |
| Assets per employee ($millions) | 2.9501% | 6,192 |
| Cash dividends to net income (ytd only)* | 29.2857% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,621 |
| Loan loss allowance to noncurrent loans | 168.3761% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 5,717 |
| Noncurrent loans to loans | 0.5427% | 5,830 |
| Net loans and leases to total assets | 48.2735% | 6,027 |
| Net loans and leases to deposits | 53.4785% | 6,348 |
| Net loans and leases to core deposits | 53.8628% | 6,568 |
| Total domestic deposits to total assets | 90.2671% | 831 |
| Equity capital to assets | 9.4120% | 4,955 |
| Core capital (leverage) ratio | 10.3872% | 2,845 |
| Tier 1 risk-based capital ratio | 18.1397% | 2,126 |
| Total risk-based capital ratio | 18.9261% | 2,245 |
| Memoranda: | ||
| Average total assets | $43,644,670 | 6,656 |
| Average earning assets | $40,142,000 | 6,635 |
| Average equity | $3,638,670 | 6,943 |
| Average total loans | $21,647,670 | 6,708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5442% | 1,189 |
| Cost of funding earning assets | 1.4590% | 1,335 |
| Net interest margin | 4.0852% | 2,322 |
| Noninterest income to average assets | 0.0554% | 7,115 |
| Noninterest expense to average assets | 3.1748% | 2,984 |
| Loan and lease loss provision to assets | 0.2769% | 2,940 |
| Net operating income to assets | 0.3507% | 5,173 |
| Return on assets (ROA) | 0.3507% | 5,254 |
| Pretax return on assets | 0.3507% | 5,504 |
| Return on Equity (ROE) | 4.5030% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.5405% | 5,191 |
| Net charge-offs to loans | 0.4426% | 2,370 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 2,949 |
| Efficiency ratio | 83.4951% | 2,019 |
| Assets per employee ($millions) | 2.8921% | 6,372 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 7,209 |
| Loan loss allowance to noncurrent loans | 352.7778% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 6,110 |
| Noncurrent loans to loans | 0.1683% | 6,630 |
| Net loans and leases to total assets | 49.0030% | 5,959 |
| Net loans and leases to deposits | 53.3946% | 6,354 |
| Net loans and leases to core deposits | 53.7796% | 6,568 |
| Total domestic deposits to total assets | 91.7752% | 344 |
| Equity capital to assets | 7.8882% | 6,605 |
| Core capital (leverage) ratio | 10.2342% | 2,888 |
| Tier 1 risk-based capital ratio | 14.6766% | 3,626 |
| Total risk-based capital ratio | 15.0981% | 4,152 |
| Memoranda: | ||
| Average total assets | $43,341,000 | 6,713 |
| Average earning assets | $39,753,500 | 6,696 |
| Average equity | $3,375,500 | 7,055 |
| Average total loans | $21,692,000 | 6,761 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 1,355 |
| Cost of funding earning assets | 1.9270% | 769 |
| Net interest margin | 3.8441% | 3,759 |
| Noninterest income to average assets | 0.0179% | 7,218 |
| Noninterest expense to average assets | 2.9696% | 3,958 |
| Loan and lease loss provision to assets | 0.3603% | 3,962 |
| Net operating income to assets | 0.1477% | 5,450 |
| Return on assets (ROA) | 0.1790% | 5,510 |
| Pretax return on assets | 0.1790% | 5,528 |
| Return on Equity (ROE) | 1.9665% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.8681% | 4,555 |
| Net charge-offs to loans | 1.0421% | 2,116 |
| Credit loss provision to net charge-offs | 73.5160% | 5,775 |
| Earnings coverage of net charge-offs (x) | 1.0365% | 5,076 |
| Efficiency ratio | 85.3925% | 1,758 |
| Assets per employee ($millions) | 2.8867% | 6,359 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 7,319 |
| Loan loss allowance to noncurrent loans | 62.3711% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 5,389 |
| Noncurrent loans to loans | 0.8819% | 5,301 |
| Net loans and leases to total assets | 50.5254% | 6,115 |
| Net loans and leases to deposits | 54.9133% | 6,530 |
| Net loans and leases to core deposits | 55.3089% | 6,737 |
| Total domestic deposits to total assets | 92.0094% | 279 |
| Equity capital to assets | 7.6880% | 6,757 |
| Core capital (leverage) ratio | 9.9474% | 3,146 |
| Tier 1 risk-based capital ratio | 17.5747% | 2,145 |
| Total risk-based capital ratio | 18.0531% | 2,389 |
| Memoranda: | ||
| Average total assets | $44,686,600 | 6,706 |
| Average earning assets | $40,217,000 | 6,704 |
| Average equity | $4,068,200 | 6,972 |
| Average total loans | $21,014,600 | 6,870 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6546% | 1,870 |
| Cost of funding earning assets | 2.0051% | 743 |
| Net interest margin | 3.6495% | 4,641 |
| Noninterest income to average assets | -0.0059% | 7,459 |
| Noninterest expense to average assets | 2.9222% | 4,005 |
| Loan and lease loss provision to assets | 0.3997% | 3,508 |
| Net operating income to assets | -0.0622% | 6,126 |
| Return on assets (ROA) | -0.0207% | 6,159 |
| Pretax return on assets | -0.0207% | 6,119 |
| Return on Equity (ROE) | -0.2194% | 6,165 |
| Retained earnings to average equity (ytd only) | -0.3449% | 5,873 |
| Net charge-offs to loans | 1.3161% | 1,548 |
| Credit loss provision to net charge-offs | 65.8537% | 5,536 |
| Earnings coverage of net charge-offs (x) | 0.5561% | 5,468 |
| Efficiency ratio | 89.6458% | 1,318 |
| Assets per employee ($millions) | 2.9323% | 6,304 |
| Cash dividends to net income (ytd only)* | -57.1275% | 7,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4869% | 7,468 |
| Loan loss allowance to noncurrent loans | 39.6364% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 5,130 |
| Noncurrent loans to loans | 1.2284% | 4,795 |
| Net loans and leases to total assets | 50.6480% | 6,253 |
| Net loans and leases to deposits | 56.4046% | 6,590 |
| Net loans and leases to core deposits | 56.8146% | 6,802 |
| Total domestic deposits to total assets | 89.7940% | 970 |
| Equity capital to assets | 9.8445% | 4,357 |
| Core capital (leverage) ratio | 9.7857% | 3,510 |
| Tier 1 risk-based capital ratio | 17.1556% | 2,285 |
| Total risk-based capital ratio | 17.5848% | 2,579 |
| Memoranda: | ||
| Average total assets | $45,033,000 | 6,780 |
| Average earning assets | $40,296,750 | 6,786 |
| Average equity | $4,253,000 | 6,992 |
| Average total loans | $20,768,500 | 6,972 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 1,704 |
| Cost of funding earning assets | 2.0914% | 677 |
| Net interest margin | 3.6242% | 4,713 |
| Noninterest income to average assets | 0.0220% | 7,457 |
| Noninterest expense to average assets | 2.8557% | 4,242 |
| Loan and lease loss provision to assets | 0.2468% | 4,462 |
| Net operating income to assets | 0.1498% | 5,720 |
| Return on assets (ROA) | 0.2115% | 5,654 |
| Pretax return on assets | 0.2115% | 5,748 |
| Return on Equity (ROE) | 2.2709% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.1290% | 4,791 |
| Net charge-offs to loans | 0.2373% | 4,181 |
| Credit loss provision to net charge-offs | 233.3333% | 1,651 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,192 |
| Efficiency ratio | 87.8049% | 1,525 |
| Assets per employee ($millions) | 2.8063% | 6,560 |
| Cash dividends to net income (ytd only)* | 6.2500% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 6,438 |
| Loan loss allowance to noncurrent loans | 63.3634% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 5,148 |
| Noncurrent loans to loans | 1.5683% | 4,358 |
| Net loans and leases to total assets | 46.8196% | 6,722 |
| Net loans and leases to deposits | 52.2221% | 6,965 |
| Net loans and leases to core deposits | 52.9268% | 7,089 |
| Total domestic deposits to total assets | 89.6548% | 1,096 |
| Equity capital to assets | 9.9532% | 4,074 |
| Core capital (leverage) ratio | 9.7888% | 3,420 |
| Tier 1 risk-based capital ratio | 17.8736% | 1,991 |
| Total risk-based capital ratio | 18.7282% | 2,069 |
| Memoranda: | ||
| Average total assets | $45,382,670 | 6,816 |
| Average earning assets | $40,450,670 | 6,827 |
| Average equity | $4,227,330 | 7,037 |
| Average total loans | $20,229,330 | 7,053 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6137% | 2,095 |
| Cost of funding earning assets | 2.1727% | 643 |
| Net interest margin | 3.4410% | 5,419 |
| Noninterest income to average assets | 0.0438% | 7,492 |
| Noninterest expense to average assets | 2.7792% | 4,566 |
| Loan and lease loss provision to assets | 0.1315% | 5,258 |
| Net operating income to assets | 0.2016% | 5,684 |
| Return on assets (ROA) | 0.3244% | 5,322 |
| Pretax return on assets | 0.3244% | 5,539 |
| Return on Equity (ROE) | 3.6040% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.4092% | 4,113 |
| Net charge-offs to loans | 0.2028% | 3,699 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 2,777 |
| Efficiency ratio | 89.2958% | 1,483 |
| Assets per employee ($millions) | 3.0253% | 6,157 |
| Cash dividends to net income (ytd only)* | 5.4054% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,823 |
| Loan loss allowance to noncurrent loans | 37.6278% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 4,521 |
| Noncurrent loans to loans | 2.4121% | 3,267 |
| Net loans and leases to total assets | 44.2684% | 6,971 |
| Net loans and leases to deposits | 49.1378% | 7,174 |
| Net loans and leases to core deposits | 49.4827% | 7,303 |
| Total domestic deposits to total assets | 90.0903% | 939 |
| Equity capital to assets | 9.4557% | 4,602 |
| Core capital (leverage) ratio | 9.7106% | 3,505 |
| Tier 1 risk-based capital ratio | 17.9891% | 1,945 |
| Total risk-based capital ratio | 18.7408% | 2,050 |
| Memoranda: | ||
| Average total assets | $45,624,000 | 6,890 |
| Average earning assets | $40,686,000 | 6,908 |
| Average equity | $4,106,500 | 7,141 |
| Average total loans | $19,727,500 | 7,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 2,110 |
| Cost of funding earning assets | 2.7243% | 552 |
| Net interest margin | 3.2096% | 6,056 |
| Noninterest income to average assets | 0.0915% | 7,303 |
| Noninterest expense to average assets | 2.9426% | 4,370 |
| Loan and lease loss provision to assets | 0.1373% | 6,271 |
| Net operating income to assets | -0.1281% | 5,721 |
| Return on assets (ROA) | -0.1281% | 5,717 |
| Pretax return on assets | -0.1281% | 5,625 |
| Return on Equity (ROE) | -1.3290% | 5,744 |
| Retained earnings to average equity (ytd only) | -1.4240% | 5,373 |
| Net charge-offs to loans | 0.6116% | 3,381 |
| Credit loss provision to net charge-offs | 50.4202% | 6,740 |
| Earnings coverage of net charge-offs (x) | 0.0336% | 6,152 |
| Efficiency ratio | 99.6899% | 1,117 |
| Assets per employee ($millions) | 3.2763% | 5,549 |
| Cash dividends to net income (ytd only)* | -7.1429% | 7,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 6,696 |
| Loan loss allowance to noncurrent loans | 61.5120% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,326 |
| Noncurrent loans to loans | 1.5170% | 4,382 |
| Net loans and leases to total assets | 41.4298% | 7,279 |
| Net loans and leases to deposits | 45.5445% | 7,462 |
| Net loans and leases to core deposits | 56.1920% | 7,397 |
| Total domestic deposits to total assets | 90.9654% | 546 |
| Equity capital to assets | 8.5506% | 5,809 |
| Core capital (leverage) ratio | 10.7491% | 2,385 |
| Tier 1 risk-based capital ratio | 17.9038% | 1,915 |
| Total risk-based capital ratio | 18.6375% | 2,016 |
| Memoranda: | ||
| Average total assets | $43,703,000 | 6,956 |
| Average earning assets | $38,945,600 | 6,979 |
| Average equity | $4,213,600 | 7,205 |
| Average total loans | $19,458,200 | 7,230 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9885% | 2,087 |
| Cost of funding earning assets | 2.7823% | 623 |
| Net interest margin | 3.2061% | 6,000 |
| Noninterest income to average assets | 0.0958% | 7,424 |
| Noninterest expense to average assets | 2.8203% | 4,814 |
| Loan and lease loss provision to assets | 0.1390% | 5,966 |
| Net operating income to assets | -0.0123% | 5,728 |
| Return on assets (ROA) | -0.0123% | 5,789 |
| Pretax return on assets | -0.0123% | 5,725 |
| Return on Equity (ROE) | -0.1243% | 5,795 |
| Retained earnings to average equity (ytd only) | -0.1866% | 5,259 |
| Net charge-offs to loans | 0.7989% | 2,367 |
| Credit loss provision to net charge-offs | 38.4615% | 6,438 |
| Earnings coverage of net charge-offs (x) | 0.3504% | 5,671 |
| Efficiency ratio | 95.7023% | 1,292 |
| Assets per employee ($millions) | 3.2290% | 5,574 |
| Cash dividends to net income (ytd only)* | -50.0938% | 7,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 6,948 |
| Loan loss allowance to noncurrent loans | 33.2000% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 4,363 |
| Noncurrent loans to loans | 2.5619% | 2,944 |
| Net loans and leases to total assets | 42.8063% | 7,319 |
| Net loans and leases to deposits | 47.5642% | 7,514 |
| Net loans and leases to core deposits | 60.0385% | 7,398 |
| Total domestic deposits to total assets | 89.9969% | 767 |
| Equity capital to assets | 9.4633% | 4,794 |
| Core capital (leverage) ratio | 9.8951% | 3,405 |
| Tier 1 risk-based capital ratio | 18.2761% | 1,913 |
| Total risk-based capital ratio | 18.9620% | 2,016 |
| Memoranda: | ||
| Average total assets | $43,161,750 | 7,036 |
| Average earning assets | $38,383,750 | 7,058 |
| Average equity | $4,286,500 | 7,254 |
| Average total loans | $19,527,250 | 7,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9520% | 2,376 |
| Cost of funding earning assets | 2.7745% | 845 |
| Net interest margin | 3.1775% | 5,994 |
| Noninterest income to average assets | 0.1036% | 7,459 |
| Noninterest expense to average assets | 2.8437% | 4,765 |
| Loan and lease loss provision to assets | 0.1412% | 5,660 |
| Net operating income to assets | -0.0235% | 5,885 |
| Return on assets (ROA) | -0.0235% | 5,952 |
| Pretax return on assets | -0.0235% | 5,894 |
| Return on Equity (ROE) | -0.2331% | 5,957 |
| Retained earnings to average equity (ytd only) | -0.2331% | 5,283 |
| Net charge-offs to loans | 1.1060% | 1,637 |
| Credit loss provision to net charge-offs | 27.7778% | 6,057 |
| Earnings coverage of net charge-offs (x) | 0.2315% | 5,440 |
| Efficiency ratio | 96.0254% | 1,373 |
| Assets per employee ($millions) | 2.7336% | 6,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 7,096 |
| Loan loss allowance to noncurrent loans | 73.7327% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,497 |
| Noncurrent loans to loans | 1.1094% | 5,001 |
| Net loans and leases to total assets | 44.3583% | 7,304 |
| Net loans and leases to deposits | 49.1065% | 7,518 |
| Net loans and leases to core deposits | 61.8319% | 7,386 |
| Total domestic deposits to total assets | 90.3308% | 693 |
| Equity capital to assets | 9.1639% | 5,072 |
| Core capital (leverage) ratio | 10.0752% | 3,215 |
| Tier 1 risk-based capital ratio | 18.4089% | 1,895 |
| Total risk-based capital ratio | 19.0750% | 2,009 |
| Memoranda: | ||
| Average total assets | $42,480,330 | 7,114 |
| Average earning assets | $38,205,670 | 7,123 |
| Average equity | $4,289,330 | 7,313 |
| Average total loans | $19,530,670 | 7,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9505% | 2,562 |
| Cost of funding earning assets | 2.7642% | 1,075 |
| Net interest margin | 3.1862% | 5,896 |
| Noninterest income to average assets | 0.0669% | 7,733 |
| Noninterest expense to average assets | 2.9915% | 3,806 |
| Loan and lease loss provision to assets | 0.1434% | 5,110 |
| Net operating income to assets | -0.1816% | 6,529 |
| Return on assets (ROA) | -0.1816% | 6,617 |
| Pretax return on assets | -0.1816% | 6,554 |
| Return on Equity (ROE) | -1.7156% | 6,630 |
| Retained earnings to average equity (ytd only) | -1.7156% | 6,041 |
| Net charge-offs to loans | 0.1025% | 4,152 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | -0.8000% | 5,324 |
| Efficiency ratio | 101.2945% | 1,078 |
| Assets per employee ($millions) | 2.7123% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 4,154 |
| Loan loss allowance to noncurrent loans | 36.5782% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 3,170 |
| Noncurrent loans to loans | 3.5157% | 1,810 |
| Net loans and leases to total assets | 43.8671% | 7,353 |
| Net loans and leases to deposits | 49.1049% | 7,532 |
| Net loans and leases to core deposits | 61.2772% | 7,411 |
| Total domestic deposits to total assets | 89.3334% | 1,084 |
| Equity capital to assets | 10.1251% | 3,860 |
| Core capital (leverage) ratio | 10.5390% | 2,883 |
| Tier 1 risk-based capital ratio | 19.1704% | 1,778 |
| Total risk-based capital ratio | 20.2487% | 1,772 |
| Memoranda: | ||
| Average total assets | $41,852,000 | 7,172 |
| Average earning assets | $37,913,000 | 7,174 |
| Average equity | $4,430,000 | 7,307 |
| Average total loans | $19,515,500 | 7,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3251% | 3,823 |
| Cost of funding earning assets | 3.1356% | 1,397 |
| Net interest margin | 3.1895% | 6,392 |
| Noninterest income to average assets | 0.1100% | 7,582 |
| Noninterest expense to average assets | 2.9644% | 4,206 |
| Loan and lease loss provision to assets | 0.0972% | 6,142 |
| Net operating income to assets | -0.0767% | 6,477 |
| Return on assets (ROA) | -0.0767% | 6,323 |
| Pretax return on assets | -0.0767% | 6,243 |
| Return on Equity (ROE) | -0.7294% | 6,328 |
| Retained earnings to average equity (ytd only) | -2.4314% | 5,983 |
| Net charge-offs to loans | 0.3604% | 3,036 |
| Credit loss provision to net charge-offs | 59.3750% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 6,172 |
| Efficiency ratio | 99.3145% | 1,007 |
| Assets per employee ($millions) | 2.3710% | 7,449 |
| Cash dividends to net income (ytd only)* | -233.3333% | 8,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 4,487 |
| Loan loss allowance to noncurrent loans | 68.7861% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 3,975 |
| Noncurrent loans to loans | 1.7523% | 3,133 |
| Net loans and leases to total assets | 48.3985% | 7,160 |
| Net loans and leases to deposits | 54.7424% | 7,396 |
| Net loans and leases to core deposits | 68.3748% | 7,269 |
| Total domestic deposits to total assets | 88.4114% | 1,284 |
| Equity capital to assets | 11.0800% | 2,972 |
| Core capital (leverage) ratio | 11.1332% | 2,481 |
| Tier 1 risk-based capital ratio | 17.8297% | 2,083 |
| Total risk-based capital ratio | 18.7880% | 2,104 |
| Memoranda: | ||
| Average total assets | $39,096,800 | 7,254 |
| Average earning assets | $35,240,800 | 7,273 |
| Average equity | $4,112,800 | 7,470 |
| Average total loans | $17,760,200 | 7,477 |