Home > United Minnesota Bank > Performance and Condition Ratios
United Minnesota Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 2,699 |
| Cost of funding earning assets | 0.3521% | 4,335 |
| Net interest margin | 4.3400% | 760 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 3.3745% | 683 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7218% | 3,127 |
| Return on assets (ROA) | 0.7218% | 3,106 |
| Pretax return on assets | 1.0536% | 2,523 |
| Return on Equity (ROE) | 10.4000% | 2,382 |
| Retained earnings to average equity (ytd only) | 8.4574% | 1,406 |
| Net charge-offs to loans | 0.0629% | 1,226 |
| Credit loss provision to net charge-offs | 263.1579% | 1,035 |
| Earnings coverage of net charge-offs (x) | 29.3684% | 1,647 |
| Efficiency ratio | 74.4622% | 1,409 |
| Assets per employee ($millions) | 7.9753% | 1,450 |
| Cash dividends to net income (ytd only)* | 18.6782% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 3,770 |
| Loan loss allowance to noncurrent loans | 190.7143% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 1,780 |
| Noncurrent loans to loans | 0.4636% | 1,620 |
| Net loans and leases to total assets | 62.5400% | 2,620 |
| Net loans and leases to deposits | 67.5095% | 3,068 |
| Net loans and leases to core deposits | 68.6713% | 3,371 |
| Total domestic deposits to total assets | 92.6500% | 211 |
| Equity capital to assets | 7.0175% | 3,930 |
| Core capital (leverage) ratio | 6.8833% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4164% | 1,714 |
| Memoranda: | ||
| Average total assets | $48,214,600 | 4,330 |
| Average earning assets | $46,866,400 | 4,283 |
| Average equity | $3,346,200 | 4,403 |
| Average total loans | $30,218,200 | 4,132 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 2,799 |
| Cost of funding earning assets | 0.2811% | 4,382 |
| Net interest margin | 4.2681% | 841 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.2302% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9211% | 550 |
| Return on assets (ROA) | 1.9211% | 542 |
| Pretax return on assets | 2.2523% | 518 |
| Return on Equity (ROE) | 27.7600% | 281 |
| Retained earnings to average equity (ytd only) | 25.1645% | 138 |
| Net charge-offs to loans | 0.0838% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 42.9474% | 1,406 |
| Efficiency ratio | 49.7537% | 3,934 |
| Assets per employee ($millions) | 8.2337% | 1,238 |
| Cash dividends to net income (ytd only)* | 9.3391% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7090% | 4,123 |
| Loan loss allowance to noncurrent loans | 70.9150% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 942 |
| Noncurrent loans to loans | 0.9998% | 807 |
| Net loans and leases to total assets | 61.5100% | 2,701 |
| Net loans and leases to deposits | 66.6820% | 3,076 |
| Net loans and leases to core deposits | 67.7978% | 3,339 |
| Total domestic deposits to total assets | 92.2500% | 406 |
| Equity capital to assets | 7.4714% | 3,371 |
| Core capital (leverage) ratio | 7.7287% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2805% | 1,481 |
| Memoranda: | ||
| Average total assets | $48,305,250 | 4,343 |
| Average earning assets | $46,952,250 | 4,299 |
| Average equity | $3,343,250 | 4,420 |
| Average total loans | $30,223,750 | 4,153 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 654.0000% | 41 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,642 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.7814% | 678 |
| Pretax return on assets | 2.1152% | 608 |
| Return on Equity (ROE) | 26.4600% | 310 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.1968% | 4,607 |
| Cash dividends to net income (ytd only)* | 1.9469% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0042% | 4,527 |
| Total domestic deposits to total assets | 7,614.0000% | 9 |
| Equity capital to assets | 3,481.0000% | 40 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $427,000 | 4,659 |
| Average earning assets | $7,630 | 4,616 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,872 |
| Cost of funding earning assets | 0.1117% | 4,518 |
| Net interest margin | 4.1601% | 1,005 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2215% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7120% | 804 |
| Return on assets (ROA) | 1.7120% | 800 |
| Pretax return on assets | 2.0461% | 716 |
| Return on Equity (ROE) | 26.2000% | 354 |
| Retained earnings to average equity (ytd only) | 17.8914% | 522 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.0548% | 3,773 |
| Assets per employee ($millions) | 7.8668% | 1,425 |
| Cash dividends to net income (ytd only)* | 31.7073% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,117 |
| Loan loss allowance to noncurrent loans | 184.3750% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,786 |
| Noncurrent loans to loans | 0.4249% | 1,665 |
| Net loans and leases to total assets | 63.3200% | 2,319 |
| Net loans and leases to deposits | 68.2850% | 2,748 |
| Net loans and leases to core deposits | 68.7105% | 3,042 |
| Total domestic deposits to total assets | 92.7300% | 349 |
| Equity capital to assets | 6.7795% | 3,923 |
| Core capital (leverage) ratio | 6.6841% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5682% | 2,156 |
| Memoranda: | ||
| Average total assets | $47,896,500 | 4,432 |
| Average earning assets | $46,537,500 | 4,385 |
| Average equity | $3,130,000 | 4,526 |
| Average total loans | $30,148,000 | 4,221 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 3,280 |
| Cost of funding earning assets | 0.1270% | 4,245 |
| Net interest margin | 3.2990% | 2,566 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4892% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7653% | 3,437 |
| Return on assets (ROA) | 0.7653% | 3,379 |
| Pretax return on assets | 1.0841% | 2,821 |
| Return on Equity (ROE) | 12.8600% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.6140% | 979 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6603% | 1,732 |
| Assets per employee ($millions) | 8.0987% | 1,267 |
| Cash dividends to net income (ytd only)* | 17.4731% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,072 |
| Loan loss allowance to noncurrent loans | 462.7451% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 2,794 |
| Noncurrent loans to loans | 0.1690% | 2,640 |
| Net loans and leases to total assets | 61.6100% | 2,484 |
| Net loans and leases to deposits | 66.0424% | 2,889 |
| Net loans and leases to core deposits | 66.4396% | 3,100 |
| Total domestic deposits to total assets | 93.2900% | 348 |
| Equity capital to assets | 6.2973% | 3,978 |
| Core capital (leverage) ratio | 6.1508% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8795% | 2,424 |
| Memoranda: | ||
| Average total assets | $48,610,200 | 4,451 |
| Average earning assets | $47,226,600 | 4,405 |
| Average equity | $2,892,400 | 4,620 |
| Average total loans | $29,409,200 | 4,248 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 3,489 |
| Cost of funding earning assets | 0.1268% | 4,058 |
| Net interest margin | 3.0500% | 3,077 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1721% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9956% | 2,491 |
| Return on assets (ROA) | 0.9956% | 2,462 |
| Pretax return on assets | 1.0340% | 2,917 |
| Return on Equity (ROE) | 16.9800% | 793 |
| Retained earnings to average equity (ytd only) | 13.9387% | 471 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.7502% | 2,060 |
| Assets per employee ($millions) | 8.4430% | 1,096 |
| Cash dividends to net income (ytd only)* | 17.9063% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 4,132 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.3100% | 2,577 |
| Net loans and leases to deposits | 63.2154% | 2,927 |
| Net loans and leases to core deposits | 64.2963% | 3,088 |
| Total domestic deposits to total assets | 93.8200% | 390 |
| Equity capital to assets | 6.0227% | 3,956 |
| Core capital (leverage) ratio | 6.1040% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8472% | 2,862 |
| Memoranda: | ||
| Average total assets | $48,614,750 | 4,486 |
| Average earning assets | $47,299,500 | 4,437 |
| Average equity | $2,850,500 | 4,662 |
| Average total loans | $29,218,250 | 4,280 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9494% | 3,673 |
| Cost of funding earning assets | 0.1245% | 3,913 |
| Net interest margin | 2.8249% | 3,367 |
| Noninterest income to average assets | 0.2295% | 3,813 |
| Noninterest expense to average assets | 2.2114% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7135% | 3,262 |
| Return on assets (ROA) | 0.7135% | 3,216 |
| Pretax return on assets | 0.7636% | 3,420 |
| Return on Equity (ROE) | 12.2860% | 1,589 |
| Retained earnings to average equity (ytd only) | 7.6159% | 1,760 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3338% | 1,474 |
| Assets per employee ($millions) | 8.1900% | 1,205 |
| Cash dividends to net income (ytd only)* | 38.0117% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,207 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,854 |
| Noncurrent loans to loans | 0.0264% | 3,760 |
| Net loans and leases to total assets | 61.2047% | 2,202 |
| Net loans and leases to deposits | 65.0841% | 2,632 |
| Net loans and leases to core deposits | 66.2292% | 2,800 |
| Total domestic deposits to total assets | 94.0395% | 276 |
| Equity capital to assets | 5.8181% | 4,265 |
| Core capital (leverage) ratio | 5.9980% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0152% | 2,815 |
| Memoranda: | ||
| Average total assets | $47,933,667 | 4,537 |
| Average earning assets | $46,585,667 | 4,501 |
| Average equity | $2,783,667 | 4,701 |
| Average total loans | $28,864,000 | 4,344 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7510% | 3,839 |
| Cost of funding earning assets | 0.1211% | 3,886 |
| Net interest margin | 2.6299% | 3,588 |
| Noninterest income to average assets | 0.2197% | 3,840 |
| Noninterest expense to average assets | 2.3072% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4310% | 3,893 |
| Return on assets (ROA) | 0.4310% | 3,856 |
| Pretax return on assets | 0.4817% | 3,897 |
| Return on Equity (ROE) | 7.4290% | 2,897 |
| Retained earnings to average equity (ytd only) | -2.0393% | 4,251 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7273% | 933 |
| Assets per employee ($millions) | 7.9233% | 1,417 |
| Cash dividends to net income (ytd only)* | 127.4510% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,148 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,890 |
| Noncurrent loans to loans | 0.0289% | 3,788 |
| Net loans and leases to total assets | 57.7303% | 2,326 |
| Net loans and leases to deposits | 61.4959% | 2,759 |
| Net loans and leases to core deposits | 62.6084% | 2,923 |
| Total domestic deposits to total assets | 93.8767% | 123 |
| Equity capital to assets | 5.7615% | 4,628 |
| Core capital (leverage) ratio | 5.8223% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6102% | 2,742 |
| Memoranda: | ||
| Average total assets | $47,330,500 | 4,570 |
| Average earning assets | $46,237,500 | 4,528 |
| Average equity | $2,746,000 | 4,732 |
| Average total loans | $28,140,000 | 4,369 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 3,744 |
| Cost of funding earning assets | 0.1590% | 3,880 |
| Net interest margin | 2.9116% | 3,416 |
| Noninterest income to average assets | 0.6909% | 1,793 |
| Noninterest expense to average assets | 2.5432% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6568% | 3,727 |
| Return on assets (ROA) | 0.6568% | 3,784 |
| Pretax return on assets | 0.9773% | 3,324 |
| Return on Equity (ROE) | 10.8394% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.9641% | 1,217 |
| Net charge-offs to loans | -0.2211% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2402% | 1,487 |
| Assets per employee ($millions) | 6.7316% | 2,127 |
| Cash dividends to net income (ytd only)* | 17.3010% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8252% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.1918% | 2,142 |
| Net loans and leases to deposits | 64.1639% | 2,674 |
| Net loans and leases to core deposits | 65.3360% | 2,880 |
| Total domestic deposits to total assets | 93.8096% | 16 |
| Equity capital to assets | 5.7766% | 4,816 |
| Core capital (leverage) ratio | 5.9281% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1884% | 2,843 |
| Memoranda: | ||
| Average total assets | $43,999,000 | 4,620 |
| Average earning assets | $42,760,000 | 4,586 |
| Average equity | $2,666,200 | 4,778 |
| Average total loans | $27,589,400 | 4,421 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1155% | 3,776 |
| Cost of funding earning assets | 0.1717% | 3,907 |
| Net interest margin | 2.9438% | 3,451 |
| Noninterest income to average assets | 0.8422% | 1,406 |
| Noninterest expense to average assets | 2.5390% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1075% | 2,526 |
| Return on assets (ROA) | 1.1075% | 2,581 |
| Pretax return on assets | 1.1600% | 3,045 |
| Return on Equity (ROE) | 18.0471% | 625 |
| Retained earnings to average equity (ytd only) | 15.5336% | 333 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6405% | 1,742 |
| Assets per employee ($millions) | 6.4104% | 2,327 |
| Cash dividends to net income (ytd only)* | 13.9276% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.8319% | 1,670 |
| Net loans and leases to deposits | 69.2782% | 2,308 |
| Net loans and leases to core deposits | 70.5877% | 2,542 |
| Total domestic deposits to total assets | 93.5819% | 19 |
| Equity capital to assets | 6.2309% | 4,880 |
| Core capital (leverage) ratio | 6.3131% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0969% | 2,947 |
| Memoranda: | ||
| Average total assets | $43,218,500 | 4,696 |
| Average earning assets | $41,940,250 | 4,659 |
| Average equity | $2,652,250 | 4,851 |
| Average total loans | $27,337,000 | 4,487 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0966% | 3,880 |
| Cost of funding earning assets | 0.1787% | 3,963 |
| Net interest margin | 2.9179% | 3,537 |
| Noninterest income to average assets | 1.1250% | 893 |
| Noninterest expense to average assets | 2.6062% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2937% | 1,886 |
| Return on assets (ROA) | 1.2937% | 1,957 |
| Pretax return on assets | 1.3500% | 2,477 |
| Return on Equity (ROE) | 21.1954% | 372 |
| Retained earnings to average equity (ytd only) | 17.3557% | 256 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8768% | 2,180 |
| Assets per employee ($millions) | 5.4638% | 3,172 |
| Cash dividends to net income (ytd only)* | 18.1159% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 4,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.3306% | 1,784 |
| Net loans and leases to deposits | 69.7867% | 2,436 |
| Net loans and leases to core deposits | 71.1410% | 2,675 |
| Total domestic deposits to total assets | 93.6147% | 16 |
| Equity capital to assets | 6.2068% | 4,913 |
| Core capital (leverage) ratio | 6.2233% | 4,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3715% | 2,888 |
| Memoranda: | ||
| Average total assets | $42,667,000 | 4,734 |
| Average earning assets | $41,399,667 | 4,697 |
| Average equity | $2,604,333 | 4,887 |
| Average total loans | $26,690,000 | 4,532 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0609% | 3,966 |
| Cost of funding earning assets | 0.1956% | 3,949 |
| Net interest margin | 2.8654% | 3,604 |
| Noninterest income to average assets | 1.4806% | 616 |
| Noninterest expense to average assets | 2.7049% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4996% | 1,333 |
| Return on assets (ROA) | 1.4996% | 1,397 |
| Pretax return on assets | 1.5565% | 1,838 |
| Return on Equity (ROE) | 24.7843% | 265 |
| Retained earnings to average equity (ytd only) | 16.9412% | 430 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4744% | 2,532 |
| Assets per employee ($millions) | 5.4219% | 3,193 |
| Cash dividends to net income (ytd only)* | 31.6456% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6555% | 4,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.1458% | 2,385 |
| Net loans and leases to deposits | 65.2079% | 3,004 |
| Net loans and leases to core deposits | 66.4728% | 3,200 |
| Total domestic deposits to total assets | 93.7706% | 13 |
| Equity capital to assets | 5.9827% | 4,944 |
| Core capital (leverage) ratio | 6.2901% | 4,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2469% | 2,882 |
| Memoranda: | ||
| Average total assets | $42,145,500 | 4,759 |
| Average earning assets | $40,902,500 | 4,724 |
| Average equity | $2,550,000 | 4,915 |
| Average total loans | $25,669,500 | 4,581 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 2,939 |
| Cost of funding earning assets | 0.2805% | 4,240 |
| Net interest margin | 3.6489% | 1,983 |
| Noninterest income to average assets | 0.7225% | 1,781 |
| Noninterest expense to average assets | 3.3690% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6467% | 3,606 |
| Return on assets (ROA) | 0.6467% | 3,731 |
| Pretax return on assets | 0.8740% | 3,438 |
| Return on Equity (ROE) | 9.6667% | 2,137 |
| Retained earnings to average equity (ytd only) | 4.6109% | 2,477 |
| Net charge-offs to loans | 0.1473% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,597 |
| Efficiency ratio | 79.4005% | 930 |
| Assets per employee ($millions) | 5.1145% | 3,270 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7102% | 4,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.7981% | 2,887 |
| Net loans and leases to deposits | 63.9476% | 3,444 |
| Net loans and leases to core deposits | 65.2680% | 3,605 |
| Total domestic deposits to total assets | 93.5111% | 8 |
| Equity capital to assets | 6.1223% | 4,976 |
| Core capital (leverage) ratio | 6.1954% | 4,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6035% | 2,771 |
| Memoranda: | ||
| Average total assets | $36,955,000 | 4,809 |
| Average earning assets | $35,655,000 | 4,772 |
| Average equity | $2,472,400 | 4,941 |
| Average total loans | $25,790,800 | 4,604 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 2,482 |
| Cost of funding earning assets | 0.3038% | 4,301 |
| Net interest margin | 3.8610% | 1,443 |
| Noninterest income to average assets | 0.8527% | 1,341 |
| Noninterest expense to average assets | 3.2105% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3087% | 1,338 |
| Return on assets (ROA) | 1.3087% | 1,431 |
| Pretax return on assets | 1.3643% | 1,839 |
| Return on Equity (ROE) | 19.0993% | 290 |
| Retained earnings to average equity (ytd only) | 12.3361% | 390 |
| Net charge-offs to loans | 0.1943% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.6842% | 2,412 |
| Efficiency ratio | 70.1783% | 1,858 |
| Assets per employee ($millions) | 4.9796% | 3,274 |
| Cash dividends to net income (ytd only)* | 35.4108% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.9227% | 2,393 |
| Net loans and leases to deposits | 71.8231% | 3,148 |
| Net loans and leases to core deposits | 72.3297% | 3,446 |
| Total domestic deposits to total assets | 93.1772% | 13 |
| Equity capital to assets | 6.5768% | 4,983 |
| Core capital (leverage) ratio | 6.9332% | 4,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4660% | 2,802 |
| Memoranda: | ||
| Average total assets | $35,964,750 | 4,848 |
| Average earning assets | $34,670,500 | 4,812 |
| Average equity | $2,464,250 | 4,970 |
| Average total loans | $26,078,000 | 4,626 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 2,239 |
| Cost of funding earning assets | 0.3294% | 4,366 |
| Net interest margin | 4.0606% | 1,195 |
| Noninterest income to average assets | 1.1190% | 794 |
| Noninterest expense to average assets | 3.4262% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5343% | 872 |
| Return on assets (ROA) | 1.5343% | 947 |
| Pretax return on assets | 1.6035% | 1,214 |
| Return on Equity (ROE) | 22.0533% | 161 |
| Retained earnings to average equity (ytd only) | 11.6899% | 497 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1193% | 2,222 |
| Assets per employee ($millions) | 4.6481% | 3,599 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,336 |
| Loan loss allowance to noncurrent loans | 560.5263% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,024 |
| Noncurrent loans to loans | 0.1431% | 3,889 |
| Net loans and leases to total assets | 70.8216% | 1,905 |
| Net loans and leases to deposits | 76.2251% | 2,837 |
| Net loans and leases to core deposits | 76.8031% | 3,219 |
| Total domestic deposits to total assets | 92.9111% | 19 |
| Equity capital to assets | 6.8092% | 4,992 |
| Core capital (leverage) ratio | 7.0722% | 5,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9861% | 2,620 |
| Memoranda: | ||
| Average total assets | $34,674,000 | 4,883 |
| Average earning assets | $33,394,333 | 4,852 |
| Average equity | $2,412,333 | 5,003 |
| Average total loans | $25,825,667 | 4,653 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,909 |
| Cost of funding earning assets | 0.3735% | 4,452 |
| Net interest margin | 4.2580% | 824 |
| Noninterest income to average assets | 0.7900% | 1,344 |
| Noninterest expense to average assets | 4.1773% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5865% | 3,638 |
| Return on assets (ROA) | 0.5865% | 3,698 |
| Pretax return on assets | 0.7062% | 3,668 |
| Return on Equity (ROE) | 8.3316% | 2,371 |
| Retained earnings to average equity (ytd only) | -12.9224% | 4,848 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5392% | 732 |
| Assets per employee ($millions) | 4.1846% | 3,679 |
| Cash dividends to net income (ytd only)* | 255.1020% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 4,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.6018% | 1,197 |
| Net loans and leases to deposits | 82.5468% | 2,381 |
| Net loans and leases to core deposits | 83.2300% | 2,916 |
| Total domestic deposits to total assets | 92.7980% | 14 |
| Equity capital to assets | 6.9152% | 5,073 |
| Core capital (leverage) ratio | 6.9982% | 5,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9756% | 3,332 |
| Memoranda: | ||
| Average total assets | $33,418,500 | 4,936 |
| Average earning assets | $32,128,000 | 4,901 |
| Average equity | $2,352,500 | 5,052 |
| Average total loans | $25,464,500 | 4,683 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,870 |
| Cost of funding earning assets | 0.3102% | 4,707 |
| Net interest margin | 4.5499% | 649 |
| Noninterest income to average assets | 0.6760% | 1,897 |
| Noninterest expense to average assets | 4.3224% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5300% | 4,334 |
| Return on assets (ROA) | 0.5300% | 4,384 |
| Pretax return on assets | 0.6823% | 4,248 |
| Return on Equity (ROE) | 6.8917% | 3,588 |
| Retained earnings to average equity (ytd only) | 1.7332% | 4,109 |
| Net charge-offs to loans | 0.1990% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.3878% | 3,218 |
| Efficiency ratio | 86.3665% | 524 |
| Assets per employee ($millions) | 4.1700% | 3,668 |
| Cash dividends to net income (ytd only)* | 74.8503% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.5174% | 1,668 |
| Net loans and leases to deposits | 80.4759% | 2,725 |
| Net loans and leases to core deposits | 81.1457% | 3,204 |
| Total domestic deposits to total assets | 92.5959% | 20 |
| Equity capital to assets | 7.1643% | 5,128 |
| Core capital (leverage) ratio | 7.1884% | 5,129 |
| Tier 1 risk-based capital ratio | 10.8978% | 4,890 |
| Total risk-based capital ratio | 11.8690% | 4,903 |
| Memoranda: | ||
| Average total assets | $31,510,600 | 5,008 |
| Average earning assets | $29,978,600 | 4,989 |
| Average equity | $2,423,200 | 5,109 |
| Average total loans | $24,625,800 | 4,766 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 1,798 |
| Cost of funding earning assets | 0.2937% | 4,813 |
| Net interest margin | 4.6141% | 601 |
| Noninterest income to average assets | 0.7043% | 1,768 |
| Noninterest expense to average assets | 3.4827% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4429% | 1,348 |
| Return on assets (ROA) | 1.4429% | 1,403 |
| Pretax return on assets | 1.6061% | 1,613 |
| Return on Equity (ROE) | 18.4244% | 359 |
| Retained earnings to average equity (ytd only) | 11.5702% | 437 |
| Net charge-offs to loans | 0.2665% | 660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 7.6328% | 2,722 |
| Efficiency ratio | 68.4388% | 2,351 |
| Assets per employee ($millions) | 3.9994% | 3,903 |
| Cash dividends to net income (ytd only)* | 37.2017% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 3,104 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.0838% | 1,466 |
| Net loans and leases to deposits | 82.9206% | 2,578 |
| Net loans and leases to core deposits | 83.6472% | 3,125 |
| Total domestic deposits to total assets | 91.7550% | 46 |
| Equity capital to assets | 7.9981% | 5,127 |
| Core capital (leverage) ratio | 8.1127% | 5,089 |
| Tier 1 risk-based capital ratio | 11.9916% | 4,421 |
| Total risk-based capital ratio | 12.9897% | 4,447 |
| Memoranda: | ||
| Average total assets | $31,048,250 | 5,090 |
| Average earning assets | $29,503,250 | 5,067 |
| Average equity | $2,431,500 | 5,183 |
| Average total loans | $24,514,250 | 4,836 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 1,804 |
| Cost of funding earning assets | 0.2873% | 4,855 |
| Net interest margin | 4.5972% | 620 |
| Noninterest income to average assets | 0.7093% | 1,677 |
| Noninterest expense to average assets | 3.4491% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4707% | 1,228 |
| Return on assets (ROA) | 1.4707% | 1,280 |
| Pretax return on assets | 1.6334% | 1,446 |
| Return on Equity (ROE) | 18.9201% | 319 |
| Retained earnings to average equity (ytd only) | 8.4554% | 1,222 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8617% | 2,555 |
| Assets per employee ($millions) | 3.8663% | 4,038 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,396 |
| Loan loss allowance to noncurrent loans | 534.6939% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,305 |
| Noncurrent loans to loans | 0.1943% | 3,855 |
| Net loans and leases to total assets | 80.7048% | 772 |
| Net loans and leases to deposits | 87.8542% | 2,024 |
| Net loans and leases to core deposits | 88.6498% | 2,732 |
| Total domestic deposits to total assets | 91.8623% | 46 |
| Equity capital to assets | 7.9179% | 5,192 |
| Core capital (leverage) ratio | 8.1297% | 5,130 |
| Tier 1 risk-based capital ratio | 11.4071% | 4,730 |
| Total risk-based capital ratio | 12.6275% | 4,643 |
| Memoranda: | ||
| Average total assets | $30,732,670 | 5,135 |
| Average earning assets | $29,235,000 | 5,111 |
| Average equity | $2,389,000 | 5,228 |
| Average total loans | $24,500,330 | 4,871 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 1,673 |
| Cost of funding earning assets | 0.3158% | 4,792 |
| Net interest margin | 4.5590% | 666 |
| Noninterest income to average assets | 0.6920% | 1,642 |
| Noninterest expense to average assets | 3.4080% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4494% | 1,236 |
| Return on assets (ROA) | 1.4494% | 1,266 |
| Pretax return on assets | 1.6191% | 1,420 |
| Return on Equity (ROE) | 18.8215% | 339 |
| Retained earnings to average equity (ytd only) | -2.3739% | 4,775 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7922% | 2,667 |
| Assets per employee ($millions) | 3.8204% | 4,159 |
| Cash dividends to net income (ytd only)* | 112.6126% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,235 |
| Loan loss allowance to noncurrent loans | 451.7241% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 2,257 |
| Noncurrent loans to loans | 0.2391% | 3,717 |
| Net loans and leases to total assets | 78.5067% | 1,073 |
| Net loans and leases to deposits | 85.2847% | 2,220 |
| Net loans and leases to core deposits | 85.2847% | 2,933 |
| Total domestic deposits to total assets | 92.0525% | 59 |
| Equity capital to assets | 7.6956% | 5,238 |
| Core capital (leverage) ratio | 7.6092% | 5,273 |
| Tier 1 risk-based capital ratio | 11.2601% | 4,857 |
| Total risk-based capital ratio | 12.5096% | 4,770 |
| Memoranda: | ||
| Average total assets | $30,634,000 | 5,192 |
| Average earning assets | $29,129,000 | 5,167 |
| Average equity | $2,359,000 | 5,286 |
| Average total loans | $24,138,500 | 4,935 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 1,494 |
| Cost of funding earning assets | 0.2488% | 4,812 |
| Net interest margin | 4.5737% | 646 |
| Noninterest income to average assets | 0.6849% | 1,910 |
| Noninterest expense to average assets | 4.3445% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5096% | 4,644 |
| Return on assets (ROA) | 0.5096% | 4,642 |
| Pretax return on assets | 0.6585% | 4,520 |
| Return on Equity (ROE) | 6.5476% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.2330% | 4,638 |
| Net charge-offs to loans | 0.0528% | 2,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.3077% | 2,333 |
| Efficiency ratio | 86.8386% | 483 |
| Assets per employee ($millions) | 3.8381% | 4,118 |
| Cash dividends to net income (ytd only)* | 81.1688% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,164 |
| Loan loss allowance to noncurrent loans | 331.6456% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 2,047 |
| Noncurrent loans to loans | 0.3289% | 3,375 |
| Net loans and leases to total assets | 77.3783% | 1,377 |
| Net loans and leases to deposits | 84.0253% | 2,511 |
| Net loans and leases to core deposits | 84.0253% | 3,092 |
| Total domestic deposits to total assets | 92.0892% | 64 |
| Equity capital to assets | 7.7056% | 5,241 |
| Core capital (leverage) ratio | 7.6525% | 5,301 |
| Tier 1 risk-based capital ratio | 11.3352% | 4,801 |
| Total risk-based capital ratio | 12.5856% | 4,708 |
| Memoranda: | ||
| Average total assets | $30,222,000 | 5,239 |
| Average earning assets | $28,532,600 | 5,214 |
| Average equity | $2,352,000 | 5,330 |
| Average total loans | $24,636,200 | 4,951 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 1,328 |
| Cost of funding earning assets | 0.2258% | 4,914 |
| Net interest margin | 4.6106% | 584 |
| Noninterest income to average assets | 0.6511% | 2,064 |
| Noninterest expense to average assets | 3.8978% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9434% | 3,334 |
| Return on assets (ROA) | 0.9434% | 3,338 |
| Pretax return on assets | 1.0940% | 3,421 |
| Return on Equity (ROE) | 12.0924% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.9960% | 3,237 |
| Net charge-offs to loans | 0.0699% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.0035% | 2,027 |
| Efficiency ratio | 78.0834% | 1,113 |
| Assets per employee ($millions) | 3.3826% | 4,703 |
| Cash dividends to net income (ytd only)* | 58.6852% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,283 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,806 |
| Noncurrent loans to loans | 0.0662% | 4,586 |
| Net loans and leases to total assets | 78.5139% | 1,254 |
| Net loans and leases to deposits | 85.4772% | 2,422 |
| Net loans and leases to core deposits | 85.4772% | 3,047 |
| Total domestic deposits to total assets | 91.8536% | 95 |
| Equity capital to assets | 7.9690% | 5,190 |
| Core capital (leverage) ratio | 7.9622% | 5,324 |
| Tier 1 risk-based capital ratio | 11.5436% | 4,769 |
| Total risk-based capital ratio | 12.7903% | 4,653 |
| Memoranda: | ||
| Average total assets | $30,101,250 | 5,306 |
| Average earning assets | $28,339,750 | 5,283 |
| Average equity | $2,348,500 | 5,400 |
| Average total loans | $24,790,000 | 5,002 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 1,322 |
| Cost of funding earning assets | 0.2188% | 4,928 |
| Net interest margin | 4.5534% | 620 |
| Noninterest income to average assets | 0.6069% | 2,290 |
| Noninterest expense to average assets | 4.0217% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7403% | 4,068 |
| Return on assets (ROA) | 0.7403% | 4,068 |
| Pretax return on assets | 0.8870% | 3,998 |
| Return on Equity (ROE) | 9.5580% | 2,771 |
| Retained earnings to average equity (ytd only) | -1.2055% | 5,093 |
| Net charge-offs to loans | 0.0960% | 1,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.0833% | 2,295 |
| Efficiency ratio | 81.9293% | 841 |
| Assets per employee ($millions) | 3.3557% | 4,765 |
| Cash dividends to net income (ytd only)* | 112.6126% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,598 |
| Loan loss allowance to noncurrent loans | 1,095.8333% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 2,758 |
| Noncurrent loans to loans | 0.0949% | 4,489 |
| Net loans and leases to total assets | 82.8946% | 591 |
| Net loans and leases to deposits | 89.9504% | 1,846 |
| Net loans and leases to core deposits | 89.9504% | 2,575 |
| Total domestic deposits to total assets | 92.1559% | 75 |
| Equity capital to assets | 7.6918% | 5,322 |
| Core capital (leverage) ratio | 7.8626% | 5,382 |
| Tier 1 risk-based capital ratio | 10.6511% | 5,209 |
| Total risk-based capital ratio | 11.8569% | 5,127 |
| Memoranda: | ||
| Average total assets | $29,987,330 | 5,373 |
| Average earning assets | $28,330,670 | 5,349 |
| Average equity | $2,322,670 | 5,465 |
| Average total loans | $24,998,670 | 5,057 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 986 |
| Cost of funding earning assets | 0.1984% | 5,025 |
| Net interest margin | 4.6483% | 448 |
| Noninterest income to average assets | 0.6158% | 2,190 |
| Noninterest expense to average assets | 3.7617% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0977% | 2,430 |
| Return on assets (ROA) | 1.0977% | 2,441 |
| Pretax return on assets | 1.2450% | 2,582 |
| Return on Equity (ROE) | 14.1227% | 983 |
| Retained earnings to average equity (ytd only) | -7.4058% | 5,292 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1337% | 1,725 |
| Assets per employee ($millions) | 3.2923% | 4,908 |
| Cash dividends to net income (ytd only)* | 152.4390% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,350 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 1,350 |
| Noncurrent loans to loans | 0.8032% | 2,203 |
| Net loans and leases to total assets | 83.1089% | 526 |
| Net loans and leases to deposits | 90.3110% | 1,655 |
| Net loans and leases to core deposits | 91.1838% | 2,361 |
| Total domestic deposits to total assets | 92.0252% | 103 |
| Equity capital to assets | 7.7419% | 5,351 |
| Core capital (leverage) ratio | 7.7579% | 5,459 |
| Tier 1 risk-based capital ratio | 10.5365% | 5,341 |
| Total risk-based capital ratio | 11.7858% | 5,247 |
| Memoranda: | ||
| Average total assets | $29,880,500 | 5,436 |
| Average earning assets | $28,225,500 | 5,411 |
| Average equity | $2,322,500 | 5,522 |
| Average total loans | $24,849,000 | 5,114 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 1,790 |
| Cost of funding earning assets | 0.2180% | 4,804 |
| Net interest margin | 4.2599% | 1,055 |
| Noninterest income to average assets | 0.7512% | 1,768 |
| Noninterest expense to average assets | 4.0493% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5206% | 4,322 |
| Return on assets (ROA) | 0.5206% | 4,358 |
| Pretax return on assets | 0.7578% | 4,369 |
| Return on Equity (ROE) | 6.7406% | 3,414 |
| Retained earnings to average equity (ytd only) | 1.4078% | 4,444 |
| Net charge-offs to loans | -0.0171% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2358% | 748 |
| Assets per employee ($millions) | 3.7663% | 4,332 |
| Cash dividends to net income (ytd only)* | 79.1139% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,301 |
| Loan loss allowance to noncurrent loans | 705.1282% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,595 |
| Noncurrent loans to loans | 0.1573% | 4,300 |
| Net loans and leases to total assets | 81.3873% | 759 |
| Net loans and leases to deposits | 88.4728% | 1,963 |
| Net loans and leases to core deposits | 89.3138% | 2,623 |
| Total domestic deposits to total assets | 91.9914% | 84 |
| Equity capital to assets | 7.8029% | 5,460 |
| Core capital (leverage) ratio | 7.9544% | 5,466 |
| Tier 1 risk-based capital ratio | 10.5559% | 5,347 |
| Total risk-based capital ratio | 11.7906% | 5,260 |
| Memoranda: | ||
| Average total assets | $30,351,200 | 5,486 |
| Average earning assets | $28,897,400 | 5,459 |
| Average equity | $2,344,000 | 5,581 |
| Average total loans | $23,440,800 | 5,213 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 1,980 |
| Cost of funding earning assets | 0.2153% | 4,845 |
| Net interest margin | 4.1783% | 1,208 |
| Noninterest income to average assets | 0.6972% | 2,015 |
| Noninterest expense to average assets | 3.5299% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0699% | 2,232 |
| Return on assets (ROA) | 1.0699% | 2,280 |
| Pretax return on assets | 1.1664% | 3,036 |
| Return on Equity (ROE) | 13.8896% | 858 |
| Retained earnings to average equity (ytd only) | 6.7738% | 1,809 |
| Net charge-offs to loans | -0.0231% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1634% | 1,713 |
| Assets per employee ($millions) | 3.7495% | 4,374 |
| Cash dividends to net income (ytd only)* | 51.2280% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 3,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 3,192 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 79.3272% | 1,078 |
| Net loans and leases to deposits | 86.4738% | 2,242 |
| Net loans and leases to core deposits | 87.3019% | 2,842 |
| Total domestic deposits to total assets | 91.7356% | 81 |
| Equity capital to assets | 8.1278% | 5,469 |
| Core capital (leverage) ratio | 8.0470% | 5,500 |
| Tier 1 risk-based capital ratio | 11.2278% | 5,120 |
| Total risk-based capital ratio | 12.4758% | 5,019 |
| Memoranda: | ||
| Average total assets | $30,406,500 | 5,541 |
| Average earning assets | $29,102,000 | 5,511 |
| Average equity | $2,342,250 | 5,645 |
| Average total loans | $23,101,750 | 5,275 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 2,164 |
| Cost of funding earning assets | 0.2115% | 4,879 |
| Net interest margin | 4.0801% | 1,383 |
| Noninterest income to average assets | 0.7137% | 1,927 |
| Noninterest expense to average assets | 3.5425% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9888% | 2,479 |
| Return on assets (ROA) | 0.9888% | 2,530 |
| Pretax return on assets | 1.0870% | 3,228 |
| Return on Equity (ROE) | 13.0717% | 1,020 |
| Retained earnings to average equity (ytd only) | 2.2508% | 4,328 |
| Net charge-offs to loans | -0.0351% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5205% | 1,642 |
| Assets per employee ($millions) | 3.8701% | 4,170 |
| Cash dividends to net income (ytd only)* | 82.7815% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 3,330 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.5131% | 1,776 |
| Net loans and leases to deposits | 80.7180% | 2,836 |
| Net loans and leases to core deposits | 81.4619% | 3,296 |
| Total domestic deposits to total assets | 92.3129% | 49 |
| Equity capital to assets | 7.5708% | 5,645 |
| Core capital (leverage) ratio | 7.8102% | 5,586 |
| Tier 1 risk-based capital ratio | 11.1275% | 5,188 |
| Total risk-based capital ratio | 12.3855% | 5,069 |
| Memoranda: | ||
| Average total assets | $30,543,330 | 5,586 |
| Average earning assets | $29,312,670 | 5,555 |
| Average equity | $2,310,330 | 5,694 |
| Average total loans | $22,779,000 | 5,328 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 2,377 |
| Cost of funding earning assets | 0.2052% | 4,927 |
| Net interest margin | 3.9671% | 1,560 |
| Noninterest income to average assets | 0.6857% | 2,023 |
| Noninterest expense to average assets | 3.5207% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8967% | 2,780 |
| Return on assets (ROA) | 0.8967% | 2,828 |
| Pretax return on assets | 0.9890% | 3,413 |
| Return on Equity (ROE) | 11.8596% | 1,284 |
| Retained earnings to average equity (ytd only) | -9.9411% | 5,578 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0702% | 1,620 |
| Assets per employee ($millions) | 3.7375% | 4,435 |
| Cash dividends to net income (ytd only)* | 183.8235% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,181 |
| Loan loss allowance to noncurrent loans | 1,355.0000% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 3,114 |
| Noncurrent loans to loans | 0.0880% | 4,841 |
| Net loans and leases to total assets | 75.0870% | 1,563 |
| Net loans and leases to deposits | 81.2971% | 2,591 |
| Net loans and leases to core deposits | 82.0637% | 3,087 |
| Total domestic deposits to total assets | 92.3612% | 72 |
| Equity capital to assets | 7.5619% | 5,666 |
| Core capital (leverage) ratio | 7.6313% | 5,673 |
| Tier 1 risk-based capital ratio | 11.0931% | 5,261 |
| Total risk-based capital ratio | 12.3393% | 5,164 |
| Memoranda: | ||
| Average total assets | $30,334,500 | 5,655 |
| Average earning assets | $29,240,500 | 5,621 |
| Average equity | $2,293,500 | 5,760 |
| Average total loans | $22,496,000 | 5,392 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,194 |
| Cost of funding earning assets | 0.2483% | 4,580 |
| Net interest margin | 4.0358% | 1,542 |
| Noninterest income to average assets | 0.8883% | 1,449 |
| Noninterest expense to average assets | 4.0695% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4244% | 4,862 |
| Return on assets (ROA) | 0.4244% | 4,944 |
| Pretax return on assets | 0.6152% | 4,742 |
| Return on Equity (ROE) | 5.5327% | 4,196 |
| Retained earnings to average equity (ytd only) | 1.4582% | 4,677 |
| Net charge-offs to loans | -0.2472% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8680% | 759 |
| Assets per employee ($millions) | 3.8461% | 4,229 |
| Cash dividends to net income (ytd only)* | 73.6434% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,355.0000% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 3,211 |
| Noncurrent loans to loans | 0.0898% | 4,879 |
| Net loans and leases to total assets | 71.4973% | 2,242 |
| Net loans and leases to deposits | 77.4040% | 3,169 |
| Net loans and leases to core deposits | 78.1131% | 3,564 |
| Total domestic deposits to total assets | 92.3689% | 76 |
| Equity capital to assets | 7.5596% | 5,703 |
| Core capital (leverage) ratio | 7.5944% | 5,730 |
| Tier 1 risk-based capital ratio | 11.4199% | 5,104 |
| Total risk-based capital ratio | 12.6718% | 5,004 |
| Memoranda: | ||
| Average total assets | $30,396,800 | 5,706 |
| Average earning assets | $28,593,800 | 5,683 |
| Average equity | $2,331,600 | 5,816 |
| Average total loans | $21,845,800 | 5,453 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,073 |
| Cost of funding earning assets | 0.2537% | 4,570 |
| Net interest margin | 4.0776% | 1,453 |
| Noninterest income to average assets | 0.7964% | 1,777 |
| Noninterest expense to average assets | 3.5550% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9635% | 2,599 |
| Return on assets (ROA) | 0.9635% | 2,737 |
| Pretax return on assets | 1.0603% | 3,391 |
| Return on Equity (ROE) | 12.5156% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.0866% | 1,581 |
| Net charge-offs to loans | -0.2576% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0257% | 1,832 |
| Assets per employee ($millions) | 3.4047% | 4,904 |
| Cash dividends to net income (ytd only)* | 43.3782% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,529 |
| Loan loss allowance to noncurrent loans | 164.9682% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 2,160 |
| Noncurrent loans to loans | 0.6983% | 2,938 |
| Net loans and leases to total assets | 72.5246% | 2,110 |
| Net loans and leases to deposits | 78.7994% | 3,100 |
| Net loans and leases to core deposits | 79.5269% | 3,493 |
| Total domestic deposits to total assets | 92.0371% | 72 |
| Equity capital to assets | 7.8813% | 5,776 |
| Core capital (leverage) ratio | 7.8986% | 5,723 |
| Tier 1 risk-based capital ratio | 11.7473% | 4,952 |
| Total risk-based capital ratio | 12.9974% | 4,851 |
| Memoranda: | ||
| Average total assets | $30,303,750 | 5,770 |
| Average earning assets | $28,382,000 | 5,746 |
| Average equity | $2,333,000 | 5,878 |
| Average total loans | $21,739,750 | 5,509 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 1,980 |
| Cost of funding earning assets | 0.2493% | 4,667 |
| Net interest margin | 4.1026% | 1,361 |
| Noninterest income to average assets | 0.8281% | 1,618 |
| Noninterest expense to average assets | 3.6435% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9003% | 2,865 |
| Return on assets (ROA) | 0.8943% | 3,014 |
| Pretax return on assets | 0.9937% | 3,614 |
| Return on Equity (ROE) | 11.7103% | 1,414 |
| Retained earnings to average equity (ytd only) | 3.4697% | 3,683 |
| Net charge-offs to loans | -0.2885% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4593% | 1,720 |
| Assets per employee ($millions) | 3.8270% | 4,218 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,789 |
| Loan loss allowance to noncurrent loans | 208.4034% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 1,329 |
| Noncurrent loans to loans | 0.5418% | 3,447 |
| Net loans and leases to total assets | 70.9335% | 2,336 |
| Net loans and leases to deposits | 76.8390% | 3,288 |
| Net loans and leases to core deposits | 77.5469% | 3,680 |
| Total domestic deposits to total assets | 92.3145% | 64 |
| Equity capital to assets | 7.6137% | 5,896 |
| Core capital (leverage) ratio | 7.7812% | 5,826 |
| Tier 1 risk-based capital ratio | 11.4828% | 5,171 |
| Total risk-based capital ratio | 12.7044% | 5,071 |
| Memoranda: | ||
| Average total assets | $30,191,000 | 5,847 |
| Average earning assets | $28,080,000 | 5,820 |
| Average equity | $2,305,670 | 5,954 |
| Average total loans | $21,492,330 | 5,572 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 1,952 |
| Cost of funding earning assets | 0.2307% | 4,894 |
| Net interest margin | 4.1237% | 1,281 |
| Noninterest income to average assets | 0.8806% | 1,355 |
| Noninterest expense to average assets | 3.6159% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0141% | 2,217 |
| Return on assets (ROA) | 1.0141% | 2,335 |
| Pretax return on assets | 1.0808% | 3,167 |
| Return on Equity (ROE) | 13.2577% | 980 |
| Retained earnings to average equity (ytd only) | -3.3144% | 5,504 |
| Net charge-offs to loans | -1.5619% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9886% | 2,043 |
| Assets per employee ($millions) | 2.9365% | 5,566 |
| Cash dividends to net income (ytd only)* | 125.0000% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 2,571 |
| Loan loss allowance to noncurrent loans | 77.1208% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 3.2011% | 377 |
| Noncurrent loans to loans | 1.7742% | 1,248 |
| Net loans and leases to total assets | 73.6421% | 1,788 |
| Net loans and leases to deposits | 79.8943% | 2,805 |
| Net loans and leases to core deposits | 80.6572% | 3,269 |
| Total domestic deposits to total assets | 92.1744% | 96 |
| Equity capital to assets | 7.7371% | 5,899 |
| Core capital (leverage) ratio | 7.6811% | 5,880 |
| Tier 1 risk-based capital ratio | 11.1982% | 5,395 |
| Total risk-based capital ratio | 12.4501% | 5,303 |
| Memoranda: | ||
| Average total assets | $29,978,500 | 5,906 |
| Average earning assets | $27,742,000 | 5,884 |
| Average equity | $2,293,000 | 6,015 |
| Average total loans | $21,256,000 | 5,634 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,126 |
| Cost of funding earning assets | 0.2531% | 4,748 |
| Net interest margin | 4.0749% | 1,473 |
| Noninterest income to average assets | 0.8367% | 1,650 |
| Noninterest expense to average assets | 3.8537% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5238% | 4,605 |
| Return on assets (ROA) | 0.5238% | 4,685 |
| Pretax return on assets | 0.7075% | 4,516 |
| Return on Equity (ROE) | 6.5376% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.5047% | 4,289 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4892% | 1,136 |
| Assets per employee ($millions) | 3.8240% | 4,248 |
| Cash dividends to net income (ytd only)* | 61.6883% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 4,290 |
| Loan loss allowance to noncurrent loans | 74.8276% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.3015% | 375 |
| Noncurrent loans to loans | 1.4087% | 1,655 |
| Net loans and leases to total assets | 66.5860% | 2,901 |
| Net loans and leases to deposits | 72.1752% | 3,701 |
| Net loans and leases to core deposits | 72.8358% | 4,056 |
| Total domestic deposits to total assets | 92.2561% | 86 |
| Equity capital to assets | 7.5641% | 5,972 |
| Core capital (leverage) ratio | 7.7568% | 5,922 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,073 |
| Total risk-based capital ratio | 14.6106% | 4,018 |
| Memoranda: | ||
| Average total assets | $29,400,200 | 5,965 |
| Average earning assets | $26,871,600 | 5,953 |
| Average equity | $2,355,600 | 6,067 |
| Average total loans | $20,678,800 | 5,694 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 2,095 |
| Cost of funding earning assets | 0.2556% | 4,811 |
| Net interest margin | 4.0889% | 1,437 |
| Noninterest income to average assets | 0.8659% | 1,564 |
| Noninterest expense to average assets | 3.5644% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0125% | 2,408 |
| Return on assets (ROA) | 1.0125% | 2,508 |
| Pretax return on assets | 1.0400% | 3,462 |
| Return on Equity (ROE) | 12.4539% | 1,249 |
| Retained earnings to average equity (ytd only) | 7.1006% | 1,639 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4129% | 2,030 |
| Assets per employee ($millions) | 3.6234% | 4,569 |
| Cash dividends to net income (ytd only)* | 42.9851% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 4,586 |
| Loan loss allowance to noncurrent loans | 113.6126% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 3.1531% | 454 |
| Noncurrent loans to loans | 0.9065% | 2,709 |
| Net loans and leases to total assets | 71.9426% | 2,065 |
| Net loans and leases to deposits | 78.6587% | 3,025 |
| Net loans and leases to core deposits | 79.4257% | 3,473 |
| Total domestic deposits to total assets | 91.4617% | 167 |
| Equity capital to assets | 8.4314% | 5,745 |
| Core capital (leverage) ratio | 8.3793% | 5,645 |
| Tier 1 risk-based capital ratio | 12.3916% | 4,830 |
| Total risk-based capital ratio | 13.4919% | 4,829 |
| Memoranda: | ||
| Average total assets | $29,102,250 | 6,052 |
| Average earning assets | $26,607,750 | 6,039 |
| Average equity | $2,366,000 | 6,150 |
| Average total loans | $20,701,750 | 5,760 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,146 |
| Cost of funding earning assets | 0.2547% | 4,891 |
| Net interest margin | 4.0529% | 1,488 |
| Noninterest income to average assets | 0.7755% | 1,897 |
| Noninterest expense to average assets | 3.5277% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9265% | 2,752 |
| Return on assets (ROA) | 0.9265% | 2,873 |
| Pretax return on assets | 0.9609% | 3,735 |
| Return on Equity (ROE) | 11.5385% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.4188% | 3,867 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5933% | 1,974 |
| Assets per employee ($millions) | 3.7009% | 4,424 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,629 |
| Loan loss allowance to noncurrent loans | 109.5960% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 3.1682% | 498 |
| Noncurrent loans to loans | 0.9540% | 2,738 |
| Net loans and leases to total assets | 69.3654% | 2,433 |
| Net loans and leases to deposits | 75.4510% | 3,324 |
| Net loans and leases to core deposits | 76.1673% | 3,751 |
| Total domestic deposits to total assets | 91.9343% | 132 |
| Equity capital to assets | 7.9643% | 5,999 |
| Core capital (leverage) ratio | 8.0945% | 5,872 |
| Tier 1 risk-based capital ratio | 11.7712% | 5,300 |
| Total risk-based capital ratio | 12.8544% | 5,318 |
| Memoranda: | ||
| Average total assets | $29,140,670 | 6,124 |
| Average earning assets | $26,696,670 | 6,106 |
| Average equity | $2,340,000 | 6,222 |
| Average total loans | $20,578,670 | 5,821 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,266 |
| Cost of funding earning assets | 0.2554% | 4,959 |
| Net interest margin | 3.9968% | 1,567 |
| Noninterest income to average assets | 0.6919% | 2,197 |
| Noninterest expense to average assets | 3.4731% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8164% | 3,177 |
| Return on assets (ROA) | 0.8164% | 3,303 |
| Pretax return on assets | 0.8994% | 3,894 |
| Return on Equity (ROE) | 10.1244% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.1244% | 894 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4304% | 1,966 |
| Assets per employee ($millions) | 3.6798% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,801 |
| Loan loss allowance to noncurrent loans | 289.3333% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 2.7855% | 714 |
| Noncurrent loans to loans | 0.3605% | 4,509 |
| Net loans and leases to total assets | 69.9300% | 2,153 |
| Net loans and leases to deposits | 76.1373% | 3,036 |
| Net loans and leases to core deposits | 76.8564% | 3,508 |
| Total domestic deposits to total assets | 91.8473% | 167 |
| Equity capital to assets | 8.0168% | 6,023 |
| Core capital (leverage) ratio | 8.3055% | 5,722 |
| Tier 1 risk-based capital ratio | 11.9821% | 5,250 |
| Total risk-based capital ratio | 13.0839% | 5,242 |
| Memoranda: | ||
| Average total assets | $28,907,500 | 6,190 |
| Average earning assets | $26,621,500 | 6,172 |
| Average equity | $2,331,000 | 6,291 |
| Average total loans | $20,491,000 | 5,876 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,742 |
| Cost of funding earning assets | 0.2883% | 4,919 |
| Net interest margin | 4.2477% | 1,169 |
| Noninterest income to average assets | 0.7926% | 1,907 |
| Noninterest expense to average assets | 3.7516% | 1,061 |
| Loan and lease loss provision to assets | 0.0352% | 3,886 |
| Net operating income to assets | 0.6658% | 4,061 |
| Return on assets (ROA) | 0.6658% | 4,158 |
| Pretax return on assets | 0.8983% | 3,912 |
| Return on Equity (ROE) | 8.3363% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.1461% | 3,249 |
| Net charge-offs to loans | 0.0761% | 3,400 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,907 |
| Efficiency ratio | 80.0752% | 1,918 |
| Assets per employee ($millions) | 3.5471% | 4,824 |
| Cash dividends to net income (ytd only)* | 50.2646% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 4,665 |
| Loan loss allowance to noncurrent loans | 285.5263% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 2.9002% | 716 |
| Noncurrent loans to loans | 0.3766% | 4,511 |
| Net loans and leases to total assets | 70.3457% | 2,184 |
| Net loans and leases to deposits | 76.6354% | 3,127 |
| Net loans and leases to core deposits | 77.3871% | 3,577 |
| Total domestic deposits to total assets | 91.7926% | 179 |
| Equity capital to assets | 8.1122% | 6,002 |
| Core capital (leverage) ratio | 8.0422% | 5,975 |
| Tier 1 risk-based capital ratio | 12.1651% | 5,256 |
| Total risk-based capital ratio | 13.3118% | 5,227 |
| Memoranda: | ||
| Average total assets | $28,388,000 | 6,280 |
| Average earning assets | $26,014,000 | 6,263 |
| Average equity | $2,267,200 | 6,375 |
| Average total loans | $19,705,600 | 5,972 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 1,976 |
| Cost of funding earning assets | 0.2919% | 4,970 |
| Net interest margin | 4.1790% | 1,353 |
| Noninterest income to average assets | 0.7514% | 2,091 |
| Noninterest expense to average assets | 3.4799% | 1,505 |
| Loan and lease loss provision to assets | 0.0470% | 3,443 |
| Net operating income to assets | 0.9064% | 2,882 |
| Return on assets (ROA) | 0.9064% | 2,976 |
| Pretax return on assets | 1.0567% | 3,357 |
| Return on Equity (ROE) | 11.3938% | 1,663 |
| Retained earnings to average equity (ytd only) | 5.7853% | 2,544 |
| Net charge-offs to loans | 0.1089% | 2,715 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | 14.6896% | 2,123 |
| Efficiency ratio | 75.9221% | 2,500 |
| Assets per employee ($millions) | 3.5424% | 4,780 |
| Cash dividends to net income (ytd only)* | 49.2208% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 4,951 |
| Loan loss allowance to noncurrent loans | 242.6966% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 2.9606% | 804 |
| Noncurrent loans to loans | 0.4359% | 4,593 |
| Net loans and leases to total assets | 71.2869% | 1,976 |
| Net loans and leases to deposits | 77.6731% | 2,986 |
| Net loans and leases to core deposits | 78.4361% | 3,493 |
| Total domestic deposits to total assets | 91.7781% | 185 |
| Equity capital to assets | 8.1337% | 6,054 |
| Core capital (leverage) ratio | 8.1340% | 5,982 |
| Tier 1 risk-based capital ratio | 12.1182% | 5,411 |
| Total risk-based capital ratio | 13.2538% | 5,400 |
| Memoranda: | ||
| Average total assets | $28,390,750 | 6,354 |
| Average earning assets | $26,034,500 | 6,340 |
| Average equity | $2,258,500 | 6,452 |
| Average total loans | $19,587,250 | 6,041 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 2,137 |
| Cost of funding earning assets | 0.3074% | 4,899 |
| Net interest margin | 4.1040% | 1,496 |
| Noninterest income to average assets | 0.7463% | 2,063 |
| Noninterest expense to average assets | 3.4568% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9434% | 2,580 |
| Return on assets (ROA) | 0.9434% | 2,679 |
| Pretax return on assets | 1.0490% | 3,283 |
| Return on Equity (ROE) | 11.9483% | 1,440 |
| Retained earnings to average equity (ytd only) | 3.4775% | 3,990 |
| Net charge-offs to loans | 0.1657% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 2,373 |
| Efficiency ratio | 76.7188% | 2,502 |
| Assets per employee ($millions) | 3.5520% | 4,751 |
| Cash dividends to net income (ytd only)* | 70.8955% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6534% | 1,015 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.0039% | 2,414 |
| Net loans and leases to deposits | 73.9250% | 3,324 |
| Net loans and leases to core deposits | 74.6475% | 3,763 |
| Total domestic deposits to total assets | 91.9904% | 171 |
| Equity capital to assets | 7.9040% | 6,204 |
| Core capital (leverage) ratio | 7.8721% | 6,171 |
| Tier 1 risk-based capital ratio | 11.9430% | 5,571 |
| Total risk-based capital ratio | 13.0384% | 5,583 |
| Memoranda: | ||
| Average total assets | $28,408,000 | 6,416 |
| Average earning assets | $26,023,670 | 6,394 |
| Average equity | $2,243,000 | 6,511 |
| Average total loans | $19,310,330 | 6,103 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 2,362 |
| Cost of funding earning assets | 0.3067% | 4,999 |
| Net interest margin | 4.0336% | 1,649 |
| Noninterest income to average assets | 0.7041% | 2,148 |
| Noninterest expense to average assets | 3.3798% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9717% | 2,318 |
| Return on assets (ROA) | 0.9717% | 2,382 |
| Pretax return on assets | 1.0280% | 3,217 |
| Return on Equity (ROE) | 12.3132% | 1,339 |
| Retained earnings to average equity (ytd only) | 12.3132% | 569 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6773% | 2,698 |
| Assets per employee ($millions) | 3.6366% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 4,918 |
| Loan loss allowance to noncurrent loans | 444.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 2.9114% | 993 |
| Noncurrent loans to loans | 0.2569% | 5,337 |
| Net loans and leases to total assets | 66.1362% | 2,544 |
| Net loans and leases to deposits | 71.8216% | 3,361 |
| Net loans and leases to core deposits | 71.8216% | 3,889 |
| Total domestic deposits to total assets | 92.0840% | 225 |
| Equity capital to assets | 7.8232% | 6,162 |
| Core capital (leverage) ratio | 8.1231% | 6,017 |
| Tier 1 risk-based capital ratio | 12.1776% | 5,523 |
| Total risk-based capital ratio | 13.3654% | 5,497 |
| Memoranda: | ||
| Average total assets | $28,404,000 | 6,483 |
| Average earning assets | $26,081,000 | 6,459 |
| Average equity | $2,241,500 | 6,574 |
| Average total loans | $19,200,500 | 6,167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 1,305 |
| Cost of funding earning assets | 0.3465% | 5,179 |
| Net interest margin | 4.4574% | 808 |
| Noninterest income to average assets | 0.9785% | 1,445 |
| Noninterest expense to average assets | 3.7536% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9174% | 2,694 |
| Return on assets (ROA) | 0.9174% | 2,777 |
| Pretax return on assets | 1.2576% | 2,328 |
| Return on Equity (ROE) | 10.9991% | 1,769 |
| Retained earnings to average equity (ytd only) | 6.6453% | 1,598 |
| Net charge-offs to loans | 0.0214% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 82.2500% | 540 |
| Efficiency ratio | 74.9047% | 2,969 |
| Assets per employee ($millions) | 3.4644% | 4,971 |
| Cash dividends to net income (ytd only)* | 39.5833% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,799 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 3.6839% | 764 |
| Noncurrent loans to loans | 1.1722% | 3,191 |
| Net loans and leases to total assets | 67.5302% | 2,431 |
| Net loans and leases to deposits | 73.7228% | 3,302 |
| Net loans and leases to core deposits | 73.7228% | 3,866 |
| Total domestic deposits to total assets | 91.6002% | 376 |
| Equity capital to assets | 7.9632% | 6,046 |
| Core capital (leverage) ratio | 7.8782% | 6,207 |
| Tier 1 risk-based capital ratio | 12.1511% | 5,526 |
| Total risk-based capital ratio | 13.3733% | 5,478 |
| Memoranda: | ||
| Average total assets | $26,161,400 | 6,605 |
| Average earning assets | $23,668,400 | 6,586 |
| Average equity | $2,182,000 | 6,663 |
| Average total loans | $18,722,400 | 6,264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 1,207 |
| Cost of funding earning assets | 0.3507% | 5,285 |
| Net interest margin | 4.5133% | 722 |
| Noninterest income to average assets | 1.0708% | 1,278 |
| Noninterest expense to average assets | 3.6627% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3761% | 1,159 |
| Return on assets (ROA) | 1.3761% | 1,203 |
| Pretax return on assets | 1.4692% | 1,703 |
| Return on Equity (ROE) | 16.3006% | 609 |
| Retained earnings to average equity (ytd only) | 10.4787% | 694 |
| Net charge-offs to loans | 0.0357% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 56.7706% | 790 |
| Efficiency ratio | 71.3710% | 3,539 |
| Assets per employee ($millions) | 3.4711% | 4,899 |
| Cash dividends to net income (ytd only)* | 35.7131% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 4,915 |
| Loan loss allowance to noncurrent loans | 102.7907% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 3.6804% | 894 |
| Noncurrent loans to loans | 1.1562% | 3,502 |
| Net loans and leases to total assets | 66.1673% | 2,611 |
| Net loans and leases to deposits | 72.1426% | 3,497 |
| Net loans and leases to core deposits | 72.1426% | 4,071 |
| Total domestic deposits to total assets | 91.7174% | 312 |
| Equity capital to assets | 8.0521% | 6,117 |
| Core capital (leverage) ratio | 8.7146% | 5,513 |
| Tier 1 risk-based capital ratio | 11.9732% | 5,795 |
| Total risk-based capital ratio | 13.1566% | 5,779 |
| Memoranda: | ||
| Average total assets | $25,773,000 | 6,686 |
| Average earning assets | $23,190,250 | 6,668 |
| Average equity | $2,175,750 | 6,743 |
| Average total loans | $18,668,500 | 6,332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 1,062 |
| Cost of funding earning assets | 0.3535% | 5,370 |
| Net interest margin | 4.5605% | 634 |
| Noninterest income to average assets | 1.2426% | 1,010 |
| Noninterest expense to average assets | 3.8076% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4498% | 985 |
| Return on assets (ROA) | 1.4498% | 1,063 |
| Pretax return on assets | 1.5453% | 1,498 |
| Return on Equity (ROE) | 16.8857% | 567 |
| Retained earnings to average equity (ytd only) | 16.8857% | 163 |
| Net charge-offs to loans | -0.4066% | 6,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1310% | 3,621 |
| Assets per employee ($millions) | 3.1443% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 4,167 |
| Loan loss allowance to noncurrent loans | 121.1009% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 3.6614% | 1,015 |
| Noncurrent loans to loans | 1.1319% | 3,669 |
| Net loans and leases to total assets | 75.5188% | 1,040 |
| Net loans and leases to deposits | 83.1735% | 1,904 |
| Net loans and leases to core deposits | 83.1735% | 2,674 |
| Total domestic deposits to total assets | 90.7967% | 626 |
| Equity capital to assets | 8.9608% | 5,254 |
| Core capital (leverage) ratio | 9.1917% | 4,707 |
| Tier 1 risk-based capital ratio | 12.5985% | 5,436 |
| Total risk-based capital ratio | 13.6493% | 5,519 |
| Memoranda: | ||
| Average total assets | $25,107,670 | 6,746 |
| Average earning assets | $22,629,000 | 6,728 |
| Average equity | $2,155,670 | 6,797 |
| Average total loans | $18,693,000 | 6,367 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 1,252 |
| Cost of funding earning assets | 0.3529% | 5,507 |
| Net interest margin | 4.4640% | 722 |
| Noninterest income to average assets | 1.2438% | 987 |
| Noninterest expense to average assets | 4.0344% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1481% | 1,684 |
| Return on assets (ROA) | 1.1481% | 1,790 |
| Pretax return on assets | 1.2438% | 2,421 |
| Return on Equity (ROE) | 13.6720% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.6720% | 480 |
| Net charge-offs to loans | 0.0869% | 2,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,218 |
| Efficiency ratio | 76.4350% | 2,856 |
| Assets per employee ($millions) | 3.1068% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 5,067 |
| Loan loss allowance to noncurrent loans | 54.8148% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 4.4902% | 831 |
| Noncurrent loans to loans | 2.2350% | 2,346 |
| Net loans and leases to total assets | 72.0166% | 1,346 |
| Net loans and leases to deposits | 78.9720% | 2,214 |
| Net loans and leases to core deposits | 78.9720% | 2,932 |
| Total domestic deposits to total assets | 91.1926% | 445 |
| Equity capital to assets | 8.6183% | 5,896 |
| Core capital (leverage) ratio | 8.7439% | 5,265 |
| Tier 1 risk-based capital ratio | 12.3937% | 5,649 |
| Total risk-based capital ratio | 13.6435% | 5,597 |
| Memoranda: | ||
| Average total assets | $25,084,500 | 6,814 |
| Average earning assets | $22,670,500 | 6,797 |
| Average equity | $2,106,500 | 6,869 |
| Average total loans | $18,409,500 | 6,434 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 757 |
| Cost of funding earning assets | 0.4798% | 5,354 |
| Net interest margin | 4.9200% | 436 |
| Noninterest income to average assets | 0.7757% | 2,364 |
| Noninterest expense to average assets | 4.7276% | 463 |
| Loan and lease loss provision to assets | 0.1715% | 3,476 |
| Net operating income to assets | 0.5185% | 4,612 |
| Return on assets (ROA) | 0.5185% | 4,876 |
| Pretax return on assets | 0.3144% | 5,790 |
| Return on Equity (ROE) | 6.0818% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.5324% | 5,098 |
| Net charge-offs to loans | 0.1470% | 4,225 |
| Credit loss provision to net charge-offs | 155.5556% | 1,736 |
| Earnings coverage of net charge-offs (x) | 4.4074% | 3,375 |
| Efficiency ratio | 90.6813% | 1,011 |
| Assets per employee ($millions) | 3.1644% | 5,704 |
| Cash dividends to net income (ytd only)* | 74.8031% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,075 |
| Loan loss allowance to noncurrent loans | 59.6306% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 4.3294% | 967 |
| Noncurrent loans to loans | 2.0270% | 2,667 |
| Net loans and leases to total assets | 72.9686% | 1,340 |
| Net loans and leases to deposits | 79.6207% | 2,340 |
| Net loans and leases to core deposits | 79.6207% | 3,060 |
| Total domestic deposits to total assets | 91.6453% | 309 |
| Equity capital to assets | 8.1809% | 6,296 |
| Core capital (leverage) ratio | 8.2797% | 5,909 |
| Tier 1 risk-based capital ratio | 11.5164% | 6,092 |
| Total risk-based capital ratio | 12.7676% | 6,060 |
| Memoranda: | ||
| Average total assets | $24,494,200 | 6,880 |
| Average earning assets | $22,093,400 | 6,862 |
| Average equity | $2,088,200 | 6,937 |
| Average total loans | $18,366,600 | 6,495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 692 |
| Cost of funding earning assets | 0.5180% | 5,323 |
| Net interest margin | 4.9724% | 423 |
| Noninterest income to average assets | 0.7630% | 2,413 |
| Noninterest expense to average assets | 4.3915% | 608 |
| Loan and lease loss provision to assets | 0.2306% | 2,746 |
| Net operating income to assets | 0.6203% | 4,298 |
| Return on assets (ROA) | 0.6203% | 4,551 |
| Pretax return on assets | 0.6203% | 5,105 |
| Return on Equity (ROE) | 7.2000% | 3,696 |
| Retained earnings to average equity (ytd only) | 1.1470% | 5,715 |
| Net charge-offs to loans | 0.1969% | 3,550 |
| Credit loss provision to net charge-offs | 155.5556% | 1,809 |
| Earnings coverage of net charge-offs (x) | 5.7406% | 2,939 |
| Efficiency ratio | 83.7696% | 1,619 |
| Assets per employee ($millions) | 2.7597% | 6,413 |
| Cash dividends to net income (ytd only)* | 84.0701% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,107 |
| Loan loss allowance to noncurrent loans | 172.5191% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 3.4263% | 1,469 |
| Noncurrent loans to loans | 0.7173% | 4,998 |
| Net loans and leases to total assets | 72.6215% | 1,450 |
| Net loans and leases to deposits | 79.3114% | 2,500 |
| Net loans and leases to core deposits | 79.3114% | 3,293 |
| Total domestic deposits to total assets | 91.5650% | 276 |
| Equity capital to assets | 8.2780% | 6,436 |
| Core capital (leverage) ratio | 8.4609% | 5,805 |
| Tier 1 risk-based capital ratio | 11.2973% | 6,360 |
| Total risk-based capital ratio | 12.5392% | 6,326 |
| Memoranda: | ||
| Average total assets | $24,289,000 | 6,975 |
| Average earning assets | $21,880,000 | 6,955 |
| Average equity | $2,092,500 | 7,029 |
| Average total loans | $18,283,750 | 6,584 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5428% | 655 |
| Cost of funding earning assets | 0.5680% | 5,161 |
| Net interest margin | 4.9748% | 421 |
| Noninterest income to average assets | 0.8131% | 2,123 |
| Noninterest expense to average assets | 4.2478% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0703% | 2,162 |
| Return on assets (ROA) | 1.0703% | 2,384 |
| Pretax return on assets | 1.0703% | 3,417 |
| Return on Equity (ROE) | 12.2585% | 1,591 |
| Retained earnings to average equity (ytd only) | 12.2585% | 542 |
| Net charge-offs to loans | 0.1203% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 1,937 |
| Efficiency ratio | 79.8752% | 2,204 |
| Assets per employee ($millions) | 2.6138% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,733 |
| Loan loss allowance to noncurrent loans | 152.6718% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 2.8014% | 1,966 |
| Noncurrent loans to loans | 0.7292% | 5,044 |
| Net loans and leases to total assets | 75.5144% | 1,028 |
| Net loans and leases to deposits | 83.3443% | 1,939 |
| Net loans and leases to core deposits | 83.3443% | 2,777 |
| Total domestic deposits to total assets | 90.6053% | 613 |
| Equity capital to assets | 9.2119% | 5,451 |
| Core capital (leverage) ratio | 9.2936% | 4,462 |
| Tier 1 risk-based capital ratio | 12.3956% | 5,651 |
| Total risk-based capital ratio | 13.5396% | 5,708 |
| Memoranda: | ||
| Average total assets | $24,106,330 | 7,037 |
| Average earning assets | $21,830,000 | 7,015 |
| Average equity | $2,104,670 | 7,079 |
| Average total loans | $18,290,670 | 6,631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6196% | 601 |
| Cost of funding earning assets | 0.7024% | 4,259 |
| Net interest margin | 4.9171% | 459 |
| Noninterest income to average assets | 0.8525% | 1,939 |
| Noninterest expense to average assets | 4.1644% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1641% | 1,842 |
| Return on assets (ROA) | 1.1641% | 2,022 |
| Pretax return on assets | 1.1641% | 3,051 |
| Return on Equity (ROE) | 13.6966% | 1,254 |
| Retained earnings to average equity (ytd only) | 13.6966% | 600 |
| Net charge-offs to loans | 0.2384% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 2,206 |
| Efficiency ratio | 78.1538% | 2,473 |
| Assets per employee ($millions) | 3.0155% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 5,927 |
| Loan loss allowance to noncurrent loans | 150.3759% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 2.7980% | 2,094 |
| Noncurrent loans to loans | 0.7266% | 5,207 |
| Net loans and leases to total assets | 75.0497% | 912 |
| Net loans and leases to deposits | 82.3666% | 1,879 |
| Net loans and leases to core deposits | 82.3666% | 2,772 |
| Total domestic deposits to total assets | 91.1167% | 504 |
| Equity capital to assets | 8.7465% | 5,814 |
| Core capital (leverage) ratio | 8.6444% | 5,389 |
| Tier 1 risk-based capital ratio | 12.1390% | 5,870 |
| Total risk-based capital ratio | 13.2896% | 5,921 |
| Memoranda: | ||
| Average total assets | $24,397,500 | 7,090 |
| Average earning assets | $22,208,000 | 7,071 |
| Average equity | $2,073,500 | 7,135 |
| Average total loans | $18,454,000 | 6,691 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4109% | 1,391 |
| Cost of funding earning assets | 1.0276% | 3,176 |
| Net interest margin | 4.3833% | 1,438 |
| Noninterest income to average assets | 0.7355% | 2,416 |
| Noninterest expense to average assets | 3.9138% | 1,161 |
| Loan and lease loss provision to assets | 0.3987% | 2,602 |
| Net operating income to assets | 0.2826% | 5,316 |
| Return on assets (ROA) | 0.2826% | 5,474 |
| Pretax return on assets | 0.4026% | 5,290 |
| Return on Equity (ROE) | 3.5592% | 5,044 |
| Retained earnings to average equity (ytd only) | -1.0726% | 6,018 |
| Net charge-offs to loans | 1.0166% | 1,715 |
| Credit loss provision to net charge-offs | 52.8205% | 5,353 |
| Earnings coverage of net charge-offs (x) | 1.0615% | 4,994 |
| Efficiency ratio | 83.0049% | 1,885 |
| Assets per employee ($millions) | 2.7412% | 6,548 |
| Cash dividends to net income (ytd only)* | 130.1370% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,685 |
| Loan loss allowance to noncurrent loans | 75.3571% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 2.5698% | 2,360 |
| Noncurrent loans to loans | 1.5051% | 3,889 |
| Net loans and leases to total assets | 74.5491% | 1,165 |
| Net loans and leases to deposits | 81.6334% | 2,251 |
| Net loans and leases to core deposits | 82.5790% | 3,092 |
| Total domestic deposits to total assets | 91.3218% | 390 |
| Equity capital to assets | 8.2567% | 6,382 |
| Core capital (leverage) ratio | 8.2620% | 5,906 |
| Tier 1 risk-based capital ratio | 11.5581% | 6,125 |
| Total risk-based capital ratio | 12.7553% | 6,144 |
| Memoranda: | ||
| Average total assets | $25,832,000 | 7,077 |
| Average earning assets | $23,452,800 | 7,063 |
| Average equity | $2,051,000 | 7,200 |
| Average total loans | $19,181,200 | 6,702 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 1,568 |
| Cost of funding earning assets | 1.0975% | 2,995 |
| Net interest margin | 4.2833% | 1,782 |
| Noninterest income to average assets | 0.6993% | 2,613 |
| Noninterest expense to average assets | 3.7311% | 1,435 |
| Loan and lease loss provision to assets | 0.5257% | 1,881 |
| Net operating income to assets | 0.2195% | 5,648 |
| Return on assets (ROA) | 0.2195% | 5,782 |
| Pretax return on assets | 0.3267% | 5,650 |
| Return on Equity (ROE) | 2.7905% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.7905% | 4,691 |
| Net charge-offs to loans | 0.0207% | 5,865 |
| Credit loss provision to net charge-offs | 3,433.3333% | 87 |
| Earnings coverage of net charge-offs (x) | 55.6650% | 590 |
| Efficiency ratio | 81.4031% | 2,053 |
| Assets per employee ($millions) | 2.8647% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 2,041 |
| Loan loss allowance to noncurrent loans | 74.6296% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 3.4869% | 1,810 |
| Noncurrent loans to loans | 2.8292% | 2,462 |
| Net loans and leases to total assets | 72.4692% | 1,618 |
| Net loans and leases to deposits | 79.3915% | 2,744 |
| Net loans and leases to core deposits | 80.2715% | 3,594 |
| Total domestic deposits to total assets | 91.2807% | 352 |
| Equity capital to assets | 8.1530% | 6,595 |
| Core capital (leverage) ratio | 8.1027% | 6,277 |
| Tier 1 risk-based capital ratio | 11.4183% | 6,290 |
| Total risk-based capital ratio | 12.6786% | 6,277 |
| Memoranda: | ||
| Average total assets | $26,122,250 | 7,140 |
| Average earning assets | $23,688,250 | 7,127 |
| Average equity | $2,054,500 | 7,272 |
| Average total loans | $19,325,750 | 6,764 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 1,856 |
| Cost of funding earning assets | 1.1359% | 2,991 |
| Net interest margin | 4.1733% | 2,147 |
| Noninterest income to average assets | 0.6861% | 2,624 |
| Noninterest expense to average assets | 3.6896% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5412% | 4,331 |
| Return on assets (ROA) | 0.5412% | 4,469 |
| Pretax return on assets | 0.7776% | 4,110 |
| Return on Equity (ROE) | 6.9653% | 3,463 |
| Retained earnings to average equity (ytd only) | 6.9653% | 1,893 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5939% | 2,011 |
| Assets per employee ($millions) | 2.9287% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,883 |
| Loan loss allowance to noncurrent loans | 29.3037% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 5.0497% | 1,209 |
| Noncurrent loans to loans | 5.3039% | 1,211 |
| Net loans and leases to total assets | 72.8128% | 1,631 |
| Net loans and leases to deposits | 79.7639% | 2,838 |
| Net loans and leases to core deposits | 80.6319% | 3,701 |
| Total domestic deposits to total assets | 91.2854% | 401 |
| Equity capital to assets | 8.0810% | 6,616 |
| Core capital (leverage) ratio | 8.1974% | 6,034 |
| Tier 1 risk-based capital ratio | 11.3983% | 6,248 |
| Total risk-based capital ratio | 12.6505% | 6,235 |
| Memoranda: | ||
| Average total assets | $26,235,670 | 7,203 |
| Average earning assets | $23,770,000 | 7,187 |
| Average equity | $2,038,670 | 7,339 |
| Average total loans | $19,405,330 | 6,821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 1,848 |
| Cost of funding earning assets | 1.1721% | 3,005 |
| Net interest margin | 4.1357% | 2,132 |
| Noninterest income to average assets | 0.5960% | 3,198 |
| Noninterest expense to average assets | 3.6677% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5807% | 4,129 |
| Return on assets (ROA) | 0.5807% | 4,198 |
| Pretax return on assets | 0.7030% | 4,301 |
| Return on Equity (ROE) | 7.6267% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.6267% | 1,876 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9161% | 1,964 |
| Assets per employee ($millions) | 2.9020% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,931 |
| Loan loss allowance to noncurrent loans | 99.0196% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 2.4887% | 2,740 |
| Noncurrent loans to loans | 1.5716% | 4,120 |
| Net loans and leases to total assets | 73.3900% | 1,440 |
| Net loans and leases to deposits | 80.2008% | 2,683 |
| Net loans and leases to core deposits | 81.9636% | 3,460 |
| Total domestic deposits to total assets | 91.5078% | 416 |
| Equity capital to assets | 8.0289% | 6,465 |
| Core capital (leverage) ratio | 8.0747% | 6,156 |
| Tier 1 risk-based capital ratio | 11.4185% | 6,163 |
| Total risk-based capital ratio | 12.6708% | 6,152 |
| Memoranda: | ||
| Average total assets | $26,174,500 | 7,257 |
| Average earning assets | $23,889,500 | 7,232 |
| Average equity | $1,993,000 | 7,396 |
| Average total loans | $19,360,500 | 6,875 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9540% | 936 |
| Cost of funding earning assets | 1.4601% | 2,893 |
| Net interest margin | 4.4939% | 1,239 |
| Noninterest income to average assets | 0.5048% | 4,130 |
| Noninterest expense to average assets | 5.2750% | 344 |
| Loan and lease loss provision to assets | 0.0963% | 6,180 |
| Net operating income to assets | 0.2273% | 5,189 |
| Return on assets (ROA) | 0.2273% | 5,339 |
| Pretax return on assets | -1.0596% | 6,674 |
| Return on Equity (ROE) | 2.9792% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.9792% | 3,768 |
| Net charge-offs to loans | 0.0999% | 5,862 |
| Credit loss provision to net charge-offs | 131.5789% | 3,000 |
| Earnings coverage of net charge-offs (x) | -13.1579% | 6,806 |
| Efficiency ratio | 122.3414% | 387 |
| Assets per employee ($millions) | 2.9146% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,683 |
| Loan loss allowance to noncurrent loans | 445.5882% | 709 |
| Noncurrent assets plus other real estate owned to assets | 1.5707% | 3,948 |
| Noncurrent loans to loans | 0.3532% | 6,356 |
| Net loans and leases to total assets | 72.2313% | 2,047 |
| Net loans and leases to deposits | 78.3646% | 3,451 |
| Net loans and leases to core deposits | 79.1999% | 4,319 |
| Total domestic deposits to total assets | 92.1734% | 243 |
| Equity capital to assets | 7.2014% | 7,038 |
| Core capital (leverage) ratio | 7.1548% | 6,939 |
| Tier 1 risk-based capital ratio | 10.1762% | 6,886 |
| Total risk-based capital ratio | 11.4313% | 6,861 |
| Memoranda: | ||
| Average total assets | $25,952,800 | 7,320 |
| Average earning assets | $21,985,200 | 7,349 |
| Average equity | $1,980,400 | 7,505 |
| Average total loans | $19,020,600 | 6,978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1287% | 720 |
| Cost of funding earning assets | 1.5337% | 2,751 |
| Net interest margin | 4.5950% | 1,057 |
| Noninterest income to average assets | 0.4430% | 4,617 |
| Noninterest expense to average assets | 4.0128% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3702% | 1,171 |
| Return on assets (ROA) | 1.3702% | 1,252 |
| Pretax return on assets | 0.2421% | 5,635 |
| Return on Equity (ROE) | 17.7042% | 500 |
| Retained earnings to average equity (ytd only) | 17.7042% | 112 |
| Net charge-offs to loans | 0.0070% | 6,567 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 47.1203% | 593 |
| Efficiency ratio | 94.3099% | 989 |
| Assets per employee ($millions) | 2.8081% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6708% | 2,702 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.5093% | 1,907 |
| Net loans and leases to deposits | 80.7143% | 3,321 |
| Net loans and leases to core deposits | 81.6185% | 4,297 |
| Total domestic deposits to total assets | 91.0735% | 424 |
| Equity capital to assets | 8.2934% | 6,516 |
| Core capital (leverage) ratio | 8.2348% | 5,985 |
| Tier 1 risk-based capital ratio | 11.2791% | 6,117 |
| Total risk-based capital ratio | 12.5330% | 6,108 |
| Memoranda: | ||
| Average total assets | $25,883,250 | 7,414 |
| Average earning assets | $21,472,250 | 7,461 |
| Average equity | $2,003,250 | 7,598 |
| Average total loans | $18,963,250 | 7,076 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0169% | 908 |
| Cost of funding earning assets | 1.5708% | 2,828 |
| Net interest margin | 4.4461% | 1,329 |
| Noninterest income to average assets | 0.7437% | 2,437 |
| Noninterest expense to average assets | 4.5004% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6944% | 594 |
| Return on assets (ROA) | 1.6944% | 644 |
| Pretax return on assets | -0.0460% | 6,195 |
| Return on Equity (ROE) | 22.4100% | 192 |
| Retained earnings to average equity (ytd only) | 22.4100% | 65 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0327% | 766 |
| Assets per employee ($millions) | 2.6239% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,725 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 2.5878% | 2,808 |
| Noncurrent loans to loans | 0.1398% | 6,979 |
| Net loans and leases to total assets | 72.4875% | 2,279 |
| Net loans and leases to deposits | 79.1445% | 3,768 |
| Net loans and leases to core deposits | 79.9765% | 4,696 |
| Total domestic deposits to total assets | 91.5889% | 312 |
| Equity capital to assets | 7.8166% | 6,910 |
| Core capital (leverage) ratio | 8.1687% | 6,006 |
| Tier 1 risk-based capital ratio | 10.5978% | 6,611 |
| Total risk-based capital ratio | 11.8535% | 6,605 |
| Memoranda: | ||
| Average total assets | $26,086,670 | 7,468 |
| Average earning assets | $21,772,000 | 7,510 |
| Average equity | $1,972,330 | 7,664 |
| Average total loans | $18,993,000 | 7,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7954% | 1,477 |
| Cost of funding earning assets | 1.6429% | 2,691 |
| Net interest margin | 4.1525% | 2,219 |
| Noninterest income to average assets | 0.7228% | 2,445 |
| Noninterest expense to average assets | 4.5674% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.1680% | 84 |
| Return on assets (ROA) | 3.1680% | 89 |
| Pretax return on assets | -0.3076% | 6,645 |
| Return on Equity (ROE) | 42.6280% | 35 |
| Retained earnings to average equity (ytd only) | 42.6280% | 27 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2202% | 652 |
| Assets per employee ($millions) | 2.5447% | 7,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,487 |
| Loan loss allowance to noncurrent loans | 928.1250% | 361 |
| Noncurrent assets plus other real estate owned to assets | 2.2950% | 3,154 |
| Noncurrent loans to loans | 0.1716% | 6,990 |
| Net loans and leases to total assets | 72.1225% | 2,421 |
| Net loans and leases to deposits | 78.8291% | 3,877 |
| Net loans and leases to core deposits | 78.8291% | 4,917 |
| Total domestic deposits to total assets | 91.4921% | 375 |
| Equity capital to assets | 8.0009% | 6,650 |
| Core capital (leverage) ratio | 7.9918% | 6,256 |
| Tier 1 risk-based capital ratio | 10.9734% | 6,182 |
| Total risk-based capital ratio | 12.2130% | 6,169 |
| Memoranda: | ||
| Average total assets | $26,010,500 | 7,567 |
| Average earning assets | $22,155,500 | 7,594 |
| Average equity | $1,933,000 | 7,758 |
| Average total loans | $18,831,000 | 7,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8355% | 2,505 |
| Cost of funding earning assets | 1.7617% | 4,195 |
| Net interest margin | 4.0739% | 2,552 |
| Noninterest income to average assets | 0.7389% | 2,742 |
| Noninterest expense to average assets | 4.4599% | 829 |
| Loan and lease loss provision to assets | 2.1630% | 967 |
| Net operating income to assets | -2.2587% | 7,182 |
| Return on assets (ROA) | -2.2587% | 7,184 |
| Pretax return on assets | -2.2013% | 7,020 |
| Return on Equity (ROE) | -30.8158% | 7,419 |
| Retained earnings to average equity (ytd only) | -30.8158% | 7,405 |
| Net charge-offs to loans | 2.7936% | 794 |
| Credit loss provision to net charge-offs | 102.1700% | 5,414 |
| Earnings coverage of net charge-offs (x) | -0.0181% | 6,225 |
| Efficiency ratio | 100.8658% | 1,062 |
| Assets per employee ($millions) | 2.0442% | 7,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 3,430 |
| Loan loss allowance to noncurrent loans | 81.3699% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 3.4507% | 1,949 |
| Noncurrent loans to loans | 1.9198% | 3,773 |
| Net loans and leases to total assets | 70.4260% | 3,151 |
| Net loans and leases to deposits | 76.2695% | 4,690 |
| Net loans and leases to core deposits | 90.4806% | 5,069 |
| Total domestic deposits to total assets | 92.3384% | 211 |
| Equity capital to assets | 6.8864% | 7,422 |
| Core capital (leverage) ratio | 6.8588% | 7,337 |
| Tier 1 risk-based capital ratio | 9.3078% | 7,328 |
| Total risk-based capital ratio | 10.6098% | 7,283 |
| Memoranda: | ||
| Average total assets | $26,121,400 | 7,603 |
| Average earning assets | $23,614,000 | 7,597 |
| Average equity | $1,914,600 | 7,854 |
| Average total loans | $19,795,600 | 7,205 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7997% | 2,893 |
| Cost of funding earning assets | 1.7832% | 4,460 |
| Net interest margin | 4.0165% | 2,737 |
| Noninterest income to average assets | 0.6511% | 3,342 |
| Noninterest expense to average assets | 4.2960% | 920 |
| Loan and lease loss provision to assets | 2.6401% | 611 |
| Net operating income to assets | -2.6247% | 7,490 |
| Return on assets (ROA) | -2.6247% | 7,495 |
| Pretax return on assets | -2.6247% | 7,394 |
| Return on Equity (ROE) | -35.2654% | 7,703 |
| Retained earnings to average equity (ytd only) | -35.2654% | 7,694 |
| Net charge-offs to loans | 3.4814% | 427 |
| Credit loss provision to net charge-offs | 98.6590% | 5,190 |
| Earnings coverage of net charge-offs (x) | 0.0057% | 6,057 |
| Efficiency ratio | 99.6433% | 1,075 |
| Assets per employee ($millions) | 2.0436% | 7,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 4,130 |
| Loan loss allowance to noncurrent loans | 39.9425% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.6198% | 2,656 |
| Noncurrent loans to loans | 3.4208% | 2,197 |
| Net loans and leases to total assets | 75.5373% | 2,093 |
| Net loans and leases to deposits | 82.0274% | 4,019 |
| Net loans and leases to core deposits | 97.8116% | 4,626 |
| Total domestic deposits to total assets | 92.0879% | 161 |
| Equity capital to assets | 7.1856% | 7,498 |
| Core capital (leverage) ratio | 7.0811% | 7,371 |
| Tier 1 risk-based capital ratio | 9.2022% | 7,536 |
| Total risk-based capital ratio | 10.4989% | 7,506 |
| Memoranda: | ||
| Average total assets | $26,008,250 | 7,679 |
| Average earning assets | $23,701,750 | 7,665 |
| Average equity | $1,935,750 | 7,933 |
| Average total loans | $19,991,500 | 7,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 3,437 |
| Cost of funding earning assets | 1.7884% | 4,817 |
| Net interest margin | 3.9312% | 2,971 |
| Noninterest income to average assets | 0.6738% | 3,170 |
| Noninterest expense to average assets | 4.3142% | 931 |
| Loan and lease loss provision to assets | 3.3692% | 429 |
| Net operating income to assets | -3.3615% | 7,737 |
| Return on assets (ROA) | -3.3615% | 7,741 |
| Pretax return on assets | -3.4002% | 7,662 |
| Return on Equity (ROE) | -44.6348% | 7,880 |
| Retained earnings to average equity (ytd only) | -44.6348% | 7,869 |
| Net charge-offs to loans | 3.5324% | 441 |
| Credit loss provision to net charge-offs | 123.9316% | 3,753 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 5,702 |
| Efficiency ratio | 100.7233% | 1,143 |
| Assets per employee ($millions) | 2.2728% | 7,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 1,935 |
| Loan loss allowance to noncurrent loans | 82.1826% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 3,736 |
| Noncurrent loans to loans | 2.2419% | 3,199 |
| Net loans and leases to total assets | 72.0823% | 3,205 |
| Net loans and leases to deposits | 78.3196% | 4,815 |
| Net loans and leases to core deposits | 92.2178% | 5,325 |
| Total domestic deposits to total assets | 92.0361% | 203 |
| Equity capital to assets | 7.2819% | 7,426 |
| Core capital (leverage) ratio | 7.4732% | 7,054 |
| Tier 1 risk-based capital ratio | 9.6459% | 7,278 |
| Total risk-based capital ratio | 10.9476% | 7,173 |
| Memoranda: | ||
| Average total assets | $25,822,000 | 7,762 |
| Average earning assets | $23,708,000 | 7,732 |
| Average equity | $1,944,670 | 8,013 |
| Average total loans | $19,873,330 | 7,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 2,329 |
| Cost of funding earning assets | 1.7975% | 5,122 |
| Net interest margin | 4.2113% | 1,854 |
| Noninterest income to average assets | 0.7491% | 2,603 |
| Noninterest expense to average assets | 4.4628% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1275% | 5,895 |
| Return on assets (ROA) | 0.1275% | 6,062 |
| Pretax return on assets | 0.2072% | 5,920 |
| Return on Equity (ROE) | 1.6632% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.6632% | 4,914 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5631% | 1,338 |
| Assets per employee ($millions) | 2.0074% | 7,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,359 |
| Loan loss allowance to noncurrent loans | 24.9126% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 4.3838% | 1,114 |
| Noncurrent loans to loans | 5.7280% | 860 |
| Net loans and leases to total assets | 75.4407% | 2,403 |
| Net loans and leases to deposits | 81.9233% | 4,301 |
| Net loans and leases to core deposits | 98.7361% | 4,672 |
| Total domestic deposits to total assets | 92.0869% | 172 |
| Equity capital to assets | 7.3843% | 7,431 |
| Core capital (leverage) ratio | 7.6154% | 7,005 |
| Tier 1 risk-based capital ratio | 9.3680% | 7,532 |
| Total risk-based capital ratio | 10.6660% | 7,453 |
| Memoranda: | ||
| Average total assets | $25,096,500 | 7,824 |
| Average earning assets | $23,365,500 | 7,793 |
| Average equity | $1,924,000 | 8,066 |
| Average total loans | $19,796,000 | 7,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9160% | 1,356 |
| Cost of funding earning assets | 2.2919% | 5,192 |
| Net interest margin | 4.6241% | 1,115 |
| Noninterest income to average assets | 0.7298% | 2,909 |
| Noninterest expense to average assets | 4.2084% | 1,136 |
| Loan and lease loss provision to assets | 0.5676% | 2,552 |
| Net operating income to assets | 0.0851% | 6,143 |
| Return on assets (ROA) | 0.0851% | 5,985 |
| Pretax return on assets | 0.1338% | 5,871 |
| Return on Equity (ROE) | 1.0674% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.0674% | 4,583 |
| Net charge-offs to loans | 0.4142% | 2,743 |
| Credit loss provision to net charge-offs | 181.8182% | 2,751 |
| Earnings coverage of net charge-offs (x) | 2.2468% | 4,955 |
| Efficiency ratio | 85.7143% | 1,885 |
| Assets per employee ($millions) | 1.8536% | 8,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,907 |
| Loan loss allowance to noncurrent loans | 72.3350% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 2,975 |
| Noncurrent loans to loans | 2.0082% | 2,748 |
| Net loans and leases to total assets | 80.2382% | 1,605 |
| Net loans and leases to deposits | 87.8424% | 3,828 |
| Net loans and leases to core deposits | 99.4343% | 4,879 |
| Total domestic deposits to total assets | 91.3433% | 237 |
| Equity capital to assets | 7.9719% | 6,888 |
| Core capital (leverage) ratio | 7.9145% | 6,629 |
| Tier 1 risk-based capital ratio | 9.6547% | 7,139 |
| Total risk-based capital ratio | 10.9564% | 6,980 |
| Memoranda: | ||
| Average total assets | $24,665,200 | 7,851 |
| Average earning assets | $22,296,000 | 7,851 |
| Average equity | $1,967,400 | 8,125 |
| Average total loans | $18,590,800 | 7,425 |