Home > Victory Bank > Performance and Condition Ratios
Victory 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 | 5.4520% | 1,230 |
| Cost of funding earning assets | 0.4676% | 4,231 |
| Net interest margin | 4.9843% | 321 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 4.2694% | 312 |
| Loan and lease loss provision to assets | 0.5800% | 141 |
| Net operating income to assets | 0.1938% | 4,176 |
| Return on assets (ROA) | 0.1400% | 4,246 |
| Pretax return on assets | 0.0843% | 4,287 |
| Return on Equity (ROE) | 0.6200% | 4,296 |
| Retained earnings to average equity (ytd only) | 0.6165% | 3,929 |
| Net charge-offs to loans | 0.1129% | 841 |
| Credit loss provision to net charge-offs | 1,557.8947% | 281 |
| Earnings coverage of net charge-offs (x) | 21.1053% | 1,842 |
| Efficiency ratio | 70.7374% | 1,788 |
| Assets per employee ($millions) | 4.3809% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,434 |
| Loan loss allowance to noncurrent loans | 1,178.7234% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,367 |
| Noncurrent loans to loans | 0.0998% | 3,042 |
| Net loans and leases to total assets | 37.9500% | 4,097 |
| Net loans and leases to deposits | 50.9762% | 3,912 |
| Net loans and leases to core deposits | 52.1177% | 4,029 |
| Total domestic deposits to total assets | 74.4500% | 4,073 |
| Equity capital to assets | 24.7391% | 195 |
| Core capital (leverage) ratio | 22.2236% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0351% | 134 |
| Memoranda: | ||
| Average total assets | $111,445,400 | 3,731 |
| Average earning assets | $101,999,400 | 3,726 |
| Average equity | $25,302,400 | 2,504 |
| Average total loans | $33,654,800 | 4,086 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 1,547 |
| Cost of funding earning assets | 0.3632% | 4,298 |
| Net interest margin | 4.7840% | 418 |
| Noninterest income to average assets | 2.4500% | 239 |
| Noninterest expense to average assets | 3.6895% | 454 |
| Loan and lease loss provision to assets | 1.0700% | 55 |
| Net operating income to assets | 1.6701% | 834 |
| Return on assets (ROA) | 1.6111% | 912 |
| Pretax return on assets | 2.0059% | 746 |
| Return on Equity (ROE) | 7.0800% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.0768% | 2,254 |
| Net charge-offs to loans | 0.1408% | 582 |
| Credit loss provision to net charge-offs | 2,731.2500% | 171 |
| Earnings coverage of net charge-offs (x) | 80.1563% | 1,044 |
| Efficiency ratio | 42.8571% | 4,277 |
| Assets per employee ($millions) | 4.6288% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,292 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,364 |
| Noncurrent loans to loans | 0.1517% | 2,794 |
| Net loans and leases to total assets | 28.6700% | 4,337 |
| Net loans and leases to deposits | 38.4820% | 4,244 |
| Net loans and leases to core deposits | 39.1368% | 4,276 |
| Total domestic deposits to total assets | 74.5000% | 4,125 |
| Equity capital to assets | 25.2790% | 195 |
| Core capital (leverage) ratio | 24.5539% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.1833% | 98 |
| Memoranda: | ||
| Average total assets | $108,413,000 | 3,772 |
| Average earning assets | $99,495,750 | 3,765 |
| Average equity | $24,681,000 | 2,523 |
| Average total loans | $30,293,250 | 4,152 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,615 |
| Cost of funding earning assets | 0.2879% | 4,330 |
| Net interest margin | 4.2243% | 900 |
| Noninterest income to average assets | 3.7300% | 154 |
| Noninterest expense to average assets | 3.2690% | 719 |
| Loan and lease loss provision to assets | 1.6600% | 36 |
| Net operating income to assets | 2.1296% | 387 |
| Return on assets (ROA) | 2.0376% | 436 |
| Pretax return on assets | 2.5605% | 329 |
| Return on Equity (ROE) | 9.3500% | 2,872 |
| Retained earnings to average equity (ytd only) | 9.3469% | 1,591 |
| Net charge-offs to loans | 0.0904% | 722 |
| Credit loss provision to net charge-offs | 6,669.2308% | 88 |
| Earnings coverage of net charge-offs (x) | 174.1538% | 680 |
| Efficiency ratio | 33.0647% | 4,519 |
| Assets per employee ($millions) | 4.8576% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 1,735 |
| Loan loss allowance to noncurrent loans | 557.6923% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,125 |
| Noncurrent loans to loans | 0.2410% | 2,297 |
| Net loans and leases to total assets | 26.2900% | 4,389 |
| Net loans and leases to deposits | 35.3721% | 4,307 |
| Net loans and leases to core deposits | 35.3721% | 4,339 |
| Total domestic deposits to total assets | 74.3200% | 4,173 |
| Equity capital to assets | 25.4795% | 189 |
| Core capital (leverage) ratio | 24.6941% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $104,434,333 | 3,819 |
| Average earning assets | $95,873,333 | 3,816 |
| Average equity | $22,767,000 | 2,640 |
| Average total loans | $28,748,667 | 4,187 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 3,974 |
| Cost of funding earning assets | 0.1984% | 4,383 |
| Net interest margin | 3.5352% | 2,273 |
| Noninterest income to average assets | 6.0500% | 118 |
| Noninterest expense to average assets | 4.1780% | 324 |
| Loan and lease loss provision to assets | 1.7600% | 42 |
| Net operating income to assets | 2.6560% | 212 |
| Return on assets (ROA) | 2.6560% | 208 |
| Pretax return on assets | 3.3774% | 155 |
| Return on Equity (ROE) | 13.6400% | 1,850 |
| Retained earnings to average equity (ytd only) | 13.6406% | 989 |
| Net charge-offs to loans | -0.0148% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.6286% | 4,499 |
| Assets per employee ($millions) | 4.8060% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 997 |
| Loan loss allowance to noncurrent loans | 364.6552% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 2,826 |
| Noncurrent loans to loans | 0.4403% | 1,620 |
| Net loans and leases to total assets | 22.4800% | 4,491 |
| Net loans and leases to deposits | 30.7503% | 4,431 |
| Net loans and leases to core deposits | 30.7503% | 4,450 |
| Total domestic deposits to total assets | 73.0900% | 4,316 |
| Equity capital to assets | 26.5733% | 140 |
| Core capital (leverage) ratio | 29.0364% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,932,000 | 3,941 |
| Average earning assets | $88,707,500 | 3,933 |
| Average equity | $18,679,500 | 3,006 |
| Average total loans | $26,943,500 | 4,265 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4606% | 3,179 |
| Cost of funding earning assets | 0.1069% | 4,359 |
| Net interest margin | 3.3537% | 2,411 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 3.1694% | 755 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1016% | 2,167 |
| Return on assets (ROA) | 1.0990% | 2,113 |
| Pretax return on assets | 1.1270% | 2,682 |
| Return on Equity (ROE) | 12.7800% | 1,884 |
| Retained earnings to average equity (ytd only) | 9.4664% | 1,327 |
| Net charge-offs to loans | -0.0141% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2022% | 1,298 |
| Assets per employee ($millions) | 4.0273% | 4,274 |
| Cash dividends to net income (ytd only)* | 25.9080% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,520 |
| Loan loss allowance to noncurrent loans | 319.8020% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,594 |
| Noncurrent loans to loans | 0.3668% | 1,827 |
| Net loans and leases to total assets | 35.5700% | 4,232 |
| Net loans and leases to deposits | 39.3278% | 4,266 |
| Net loans and leases to core deposits | 39.9044% | 4,280 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 8.7665% | 2,518 |
| Core capital (leverage) ratio | 9.0448% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8258% | 741 |
| Memoranda: | ||
| Average total assets | $75,157,000 | 4,183 |
| Average earning assets | $70,132,200 | 4,155 |
| Average equity | $6,465,000 | 4,278 |
| Average total loans | $28,318,800 | 4,266 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1585% | 3,542 |
| Cost of funding earning assets | 0.0803% | 4,416 |
| Net interest margin | 3.0782% | 2,994 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.9494% | 974 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6398% | 3,722 |
| Return on assets (ROA) | 0.6416% | 3,673 |
| Pretax return on assets | 0.6416% | 3,916 |
| Return on Equity (ROE) | 7.4900% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.9959% | 2,761 |
| Net charge-offs to loans | -0.0608% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7688% | 663 |
| Assets per employee ($millions) | 4.4279% | 4,105 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,675 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 2,982 |
| Noncurrent loans to loans | 0.2834% | 2,234 |
| Net loans and leases to total assets | 33.6900% | 4,314 |
| Net loans and leases to deposits | 36.9320% | 4,340 |
| Net loans and leases to core deposits | 36.9320% | 4,371 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 8.0136% | 2,883 |
| Core capital (leverage) ratio | 8.8516% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3990% | 802 |
| Memoranda: | ||
| Average total assets | $74,816,500 | 4,222 |
| Average earning assets | $69,693,750 | 4,195 |
| Average equity | $6,404,250 | 4,324 |
| Average total loans | $28,513,750 | 4,293 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2020% | 3,041 |
| Cost of funding earning assets | 0.0766% | 4,411 |
| Net interest margin | 3.1254% | 2,455 |
| Noninterest income to average assets | 0.6039% | 1,725 |
| Noninterest expense to average assets | 2.9732% | 877 |
| Loan and lease loss provision to assets | 0.0082% | 2,444 |
| Net operating income to assets | 0.5219% | 3,840 |
| Return on assets (ROA) | 0.5219% | 3,792 |
| Pretax return on assets | 0.5219% | 3,958 |
| Return on Equity (ROE) | 5.9594% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.3994% | 2,920 |
| Net charge-offs to loans | 0.0138% | 1,498 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 830 |
| Efficiency ratio | 84.8674% | 629 |
| Assets per employee ($millions) | 4.0440% | 4,348 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,422 |
| Loan loss allowance to noncurrent loans | 195.3947% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 2,273 |
| Noncurrent loans to loans | 0.5320% | 1,556 |
| Net loans and leases to total assets | 38.8422% | 4,128 |
| Net loans and leases to deposits | 42.9122% | 4,160 |
| Net loans and leases to core deposits | 42.9122% | 4,231 |
| Total domestic deposits to total assets | 90.5154% | 1,455 |
| Equity capital to assets | 8.6768% | 2,631 |
| Core capital (leverage) ratio | 8.9036% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0366% | 1,175 |
| Memoranda: | ||
| Average total assets | $73,188,000 | 4,281 |
| Average earning assets | $67,895,000 | 4,266 |
| Average equity | $6,410,000 | 4,374 |
| Average total loans | $28,960,667 | 4,339 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 3,203 |
| Cost of funding earning assets | 0.0766% | 4,389 |
| Net interest margin | 2.9403% | 2,706 |
| Noninterest income to average assets | 0.7576% | 1,151 |
| Noninterest expense to average assets | 2.7144% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7631% | 2,803 |
| Return on assets (ROA) | 0.7631% | 2,794 |
| Pretax return on assets | 0.7631% | 3,218 |
| Return on Equity (ROE) | 8.6728% | 2,451 |
| Retained earnings to average equity (ytd only) | 8.6728% | 1,378 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0564% | 1,309 |
| Assets per employee ($millions) | 4.0736% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,567 |
| Loan loss allowance to noncurrent loans | 221.8045% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 2,528 |
| Noncurrent loans to loans | 0.4681% | 1,851 |
| Net loans and leases to total assets | 38.3484% | 4,101 |
| Net loans and leases to deposits | 42.4028% | 4,147 |
| Net loans and leases to core deposits | 42.4028% | 4,226 |
| Total domestic deposits to total assets | 90.4385% | 1,325 |
| Equity capital to assets | 8.7978% | 2,877 |
| Core capital (leverage) ratio | 8.9342% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5767% | 956 |
| Memoranda: | ||
| Average total assets | $73,386,000 | 4,305 |
| Average earning assets | $67,884,000 | 4,294 |
| Average equity | $6,457,000 | 4,417 |
| Average total loans | $29,155,500 | 4,351 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2524% | 3,336 |
| Cost of funding earning assets | 0.0849% | 4,497 |
| Net interest margin | 3.1675% | 2,688 |
| Noninterest income to average assets | 0.7812% | 1,506 |
| Noninterest expense to average assets | 2.9701% | 1,032 |
| Loan and lease loss provision to assets | 0.0650% | 1,763 |
| Net operating income to assets | 0.7075% | 3,606 |
| Return on assets (ROA) | 0.7277% | 3,611 |
| Pretax return on assets | 0.7277% | 3,870 |
| Return on Equity (ROE) | 7.8412% | 3,266 |
| Retained earnings to average equity (ytd only) | 5.0096% | 2,778 |
| Net charge-offs to loans | 0.2905% | 300 |
| Credit loss provision to net charge-offs | 54.8780% | 2,102 |
| Earnings coverage of net charge-offs (x) | 6.5244% | 2,393 |
| Efficiency ratio | 79.3596% | 849 |
| Assets per employee ($millions) | 4.0804% | 4,394 |
| Cash dividends to net income (ytd only)* | 36.1111% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,788 |
| Loan loss allowance to noncurrent loans | 219.2593% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 2,649 |
| Noncurrent loans to loans | 0.4516% | 2,007 |
| Net loans and leases to total assets | 40.3025% | 4,075 |
| Net loans and leases to deposits | 44.5550% | 4,149 |
| Net loans and leases to core deposits | 44.5550% | 4,246 |
| Total domestic deposits to total assets | 90.4557% | 736 |
| Equity capital to assets | 8.7995% | 3,807 |
| Core capital (leverage) ratio | 8.5370% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7922% | 1,098 |
| Memoranda: | ||
| Average total assets | $69,256,400 | 4,346 |
| Average earning assets | $64,752,000 | 4,327 |
| Average equity | $6,427,600 | 4,488 |
| Average total loans | $28,224,600 | 4,414 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3215% | 3,334 |
| Cost of funding earning assets | 0.0893% | 4,580 |
| Net interest margin | 3.2322% | 2,629 |
| Noninterest income to average assets | 0.7819% | 1,580 |
| Noninterest expense to average assets | 2.8500% | 1,215 |
| Loan and lease loss provision to assets | 0.0586% | 1,818 |
| Net operating income to assets | 0.9168% | 3,192 |
| Return on assets (ROA) | 0.9461% | 3,177 |
| Pretax return on assets | 0.9461% | 3,596 |
| Return on Equity (ROE) | 10.0536% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,930 |
| Net charge-offs to loans | 0.0815% | 857 |
| Credit loss provision to net charge-offs | 176.4706% | 1,266 |
| Earnings coverage of net charge-offs (x) | 29.3529% | 1,536 |
| Efficiency ratio | 74.5018% | 1,174 |
| Assets per employee ($millions) | 3.7156% | 4,570 |
| Cash dividends to net income (ytd only)* | 16.9421% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,064 |
| Loan loss allowance to noncurrent loans | 191.1602% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 2,491 |
| Noncurrent loans to loans | 0.6187% | 1,765 |
| Net loans and leases to total assets | 40.9493% | 4,154 |
| Net loans and leases to deposits | 45.5547% | 4,250 |
| Net loans and leases to core deposits | 45.8073% | 4,330 |
| Total domestic deposits to total assets | 89.8905% | 817 |
| Equity capital to assets | 9.3276% | 3,531 |
| Core capital (leverage) ratio | 9.0693% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6931% | 1,010 |
| Memoranda: | ||
| Average total assets | $68,208,750 | 4,413 |
| Average earning assets | $64,227,000 | 4,389 |
| Average equity | $6,418,750 | 4,550 |
| Average total loans | $27,806,500 | 4,476 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 3,080 |
| Cost of funding earning assets | 0.0911% | 4,631 |
| Net interest margin | 3.3391% | 2,333 |
| Noninterest income to average assets | 0.7714% | 1,611 |
| Noninterest expense to average assets | 2.9253% | 1,111 |
| Loan and lease loss provision to assets | 0.0445% | 2,123 |
| Net operating income to assets | 0.9553% | 3,046 |
| Return on assets (ROA) | 0.9939% | 2,991 |
| Pretax return on assets | 0.9939% | 3,456 |
| Return on Equity (ROE) | 10.5291% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.7061% | 1,817 |
| Net charge-offs to loans | 0.0878% | 800 |
| Credit loss provision to net charge-offs | 125.0000% | 1,236 |
| Earnings coverage of net charge-offs (x) | 28.0833% | 1,346 |
| Efficiency ratio | 74.5276% | 1,202 |
| Assets per employee ($millions) | 3.9578% | 4,474 |
| Cash dividends to net income (ytd only)* | 17.3134% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,367 |
| Loan loss allowance to noncurrent loans | 158.4906% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 2,437 |
| Noncurrent loans to loans | 0.7014% | 1,678 |
| Net loans and leases to total assets | 41.9554% | 4,181 |
| Net loans and leases to deposits | 46.5539% | 4,289 |
| Net loans and leases to core deposits | 46.9938% | 4,369 |
| Total domestic deposits to total assets | 90.1221% | 711 |
| Equity capital to assets | 9.0778% | 3,729 |
| Core capital (leverage) ratio | 9.1659% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,412,667 | 4,450 |
| Average earning assets | $63,669,000 | 4,423 |
| Average equity | $6,363,333 | 4,585 |
| Average total loans | $27,323,667 | 4,521 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 2,867 |
| Cost of funding earning assets | 0.0905% | 4,701 |
| Net interest margin | 3.4277% | 2,030 |
| Noninterest income to average assets | 0.8122% | 1,551 |
| Noninterest expense to average assets | 2.9985% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0504% | 2,636 |
| Return on assets (ROA) | 1.1298% | 2,462 |
| Pretax return on assets | 1.1298% | 3,045 |
| Return on Equity (ROE) | 11.7246% | 2,115 |
| Retained earnings to average equity (ytd only) | 11.7246% | 1,220 |
| Net charge-offs to loans | 0.1082% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,173 |
| Efficiency ratio | 74.0573% | 1,305 |
| Assets per employee ($millions) | 3.6861% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,685 |
| Loan loss allowance to noncurrent loans | 245.1128% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,155 |
| Noncurrent loans to loans | 0.5084% | 2,334 |
| Net loans and leases to total assets | 38.9411% | 4,384 |
| Net loans and leases to deposits | 43.4579% | 4,444 |
| Net loans and leases to core deposits | 43.7152% | 4,506 |
| Total domestic deposits to total assets | 89.6065% | 1,015 |
| Equity capital to assets | 9.6098% | 3,092 |
| Core capital (leverage) ratio | 9.7123% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5948% | 838 |
| Memoranda: | ||
| Average total assets | $65,499,000 | 4,490 |
| Average earning assets | $61,849,000 | 4,464 |
| Average equity | $6,311,500 | 4,607 |
| Average total loans | $25,873,000 | 4,577 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 2,847 |
| Cost of funding earning assets | 0.1925% | 4,601 |
| Net interest margin | 3.7701% | 1,587 |
| Noninterest income to average assets | 0.8606% | 1,372 |
| Noninterest expense to average assets | 3.3767% | 813 |
| Loan and lease loss provision to assets | 0.2933% | 1,292 |
| Net operating income to assets | 0.7372% | 3,307 |
| Return on assets (ROA) | 0.7356% | 3,436 |
| Pretax return on assets | 0.7356% | 3,799 |
| Return on Equity (ROE) | 7.4428% | 3,023 |
| Retained earnings to average equity (ytd only) | 4.0701% | 2,780 |
| Net charge-offs to loans | 0.7196% | 203 |
| Credit loss provision to net charge-offs | 91.9598% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.2312% | 3,101 |
| Efficiency ratio | 76.6182% | 1,161 |
| Assets per employee ($millions) | 3.5916% | 4,615 |
| Cash dividends to net income (ytd only)* | 45.3159% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,402 |
| Loan loss allowance to noncurrent loans | 213.4615% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 3,081 |
| Noncurrent loans to loans | 0.6098% | 2,174 |
| Net loans and leases to total assets | 39.0571% | 4,475 |
| Net loans and leases to deposits | 43.6112% | 4,543 |
| Net loans and leases to core deposits | 43.8764% | 4,606 |
| Total domestic deposits to total assets | 89.5575% | 750 |
| Equity capital to assets | 9.6629% | 3,449 |
| Core capital (leverage) ratio | 9.4256% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3317% | 858 |
| Memoranda: | ||
| Average total assets | $62,399,000 | 4,478 |
| Average earning assets | $58,699,200 | 4,455 |
| Average equity | $6,167,000 | 4,627 |
| Average total loans | $27,653,600 | 4,563 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 2,576 |
| Cost of funding earning assets | 0.2224% | 4,597 |
| Net interest margin | 3.9113% | 1,327 |
| Noninterest income to average assets | 0.8625% | 1,328 |
| Noninterest expense to average assets | 3.2580% | 972 |
| Loan and lease loss provision to assets | 0.3622% | 1,030 |
| Net operating income to assets | 0.9207% | 2,624 |
| Return on assets (ROA) | 0.9185% | 2,760 |
| Pretax return on assets | 0.9185% | 3,330 |
| Return on Equity (ROE) | 9.2400% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.3291% | 1,199 |
| Net charge-offs to loans | 0.9087% | 149 |
| Credit loss provision to net charge-offs | 87.5000% | 2,713 |
| Earnings coverage of net charge-offs (x) | 3.0990% | 2,934 |
| Efficiency ratio | 71.7474% | 1,671 |
| Assets per employee ($millions) | 3.1341% | 4,799 |
| Cash dividends to net income (ytd only)* | 9.8592% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,587 |
| Loan loss allowance to noncurrent loans | 736.3636% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,088 |
| Noncurrent loans to loans | 0.1649% | 3,723 |
| Net loans and leases to total assets | 42.0622% | 4,496 |
| Net loans and leases to deposits | 47.2720% | 4,570 |
| Net loans and leases to core deposits | 47.2720% | 4,640 |
| Total domestic deposits to total assets | 88.9791% | 776 |
| Equity capital to assets | 10.2088% | 3,058 |
| Core capital (leverage) ratio | 9.8505% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7136% | 816 |
| Memoranda: | ||
| Average total assets | $61,836,500 | 4,505 |
| Average earning assets | $58,155,250 | 4,482 |
| Average equity | $6,147,000 | 4,653 |
| Average total loans | $28,171,250 | 4,574 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,360 |
| Cost of funding earning assets | 0.2661% | 4,576 |
| Net interest margin | 4.0748% | 1,172 |
| Noninterest income to average assets | 0.8935% | 1,185 |
| Noninterest expense to average assets | 3.1614% | 1,221 |
| Loan and lease loss provision to assets | 0.4711% | 802 |
| Net operating income to assets | 1.0917% | 1,998 |
| Return on assets (ROA) | 1.0852% | 2,139 |
| Pretax return on assets | 1.0852% | 2,755 |
| Return on Equity (ROE) | 11.0176% | 1,622 |
| Retained earnings to average equity (ytd only) | 9.6322% | 854 |
| Net charge-offs to loans | 0.9280% | 162 |
| Credit loss provision to net charge-offs | 109.0226% | 2,343 |
| Earnings coverage of net charge-offs (x) | 3.6165% | 2,667 |
| Efficiency ratio | 66.9188% | 2,391 |
| Assets per employee ($millions) | 3.1969% | 4,787 |
| Cash dividends to net income (ytd only)* | 12.5749% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,183 |
| Loan loss allowance to noncurrent loans | 950.0000% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,232 |
| Noncurrent loans to loans | 0.1330% | 3,925 |
| Net loans and leases to total assets | 44.1084% | 4,448 |
| Net loans and leases to deposits | 49.3612% | 4,557 |
| Net loans and leases to core deposits | 49.3612% | 4,632 |
| Total domestic deposits to total assets | 89.3584% | 624 |
| Equity capital to assets | 9.8705% | 3,313 |
| Core capital (leverage) ratio | 10.0129% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4320% | 990 |
| Memoranda: | ||
| Average total assets | $61,555,000 | 4,520 |
| Average earning assets | $57,867,667 | 4,494 |
| Average equity | $6,063,000 | 4,683 |
| Average total loans | $28,665,333 | 4,585 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,914 |
| Cost of funding earning assets | 0.3098% | 4,629 |
| Net interest margin | 3.9920% | 1,411 |
| Noninterest income to average assets | 1.0801% | 726 |
| Noninterest expense to average assets | 3.0880% | 1,673 |
| Loan and lease loss provision to assets | 0.8151% | 299 |
| Net operating income to assets | 0.9343% | 2,404 |
| Return on assets (ROA) | 0.9343% | 2,513 |
| Pretax return on assets | 0.9343% | 3,040 |
| Return on Equity (ROE) | 9.4965% | 1,914 |
| Retained earnings to average equity (ytd only) | 9.4965% | 845 |
| Net charge-offs to loans | 0.8079% | 186 |
| Credit loss provision to net charge-offs | 212.0690% | 1,387 |
| Earnings coverage of net charge-offs (x) | 4.5517% | 2,128 |
| Efficiency ratio | 63.8356% | 3,257 |
| Assets per employee ($millions) | 2.9529% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,522 |
| Loan loss allowance to noncurrent loans | 186.4865% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 2,936 |
| Noncurrent loans to loans | 0.7792% | 2,052 |
| Net loans and leases to total assets | 47.5414% | 4,361 |
| Net loans and leases to deposits | 53.3966% | 4,470 |
| Net loans and leases to core deposits | 53.9932% | 4,569 |
| Total domestic deposits to total assets | 89.0345% | 645 |
| Equity capital to assets | 10.1646% | 3,635 |
| Core capital (leverage) ratio | 9.8579% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6516% | 1,036 |
| Memoranda: | ||
| Average total assets | $60,363,500 | 4,554 |
| Average earning assets | $56,813,500 | 4,528 |
| Average equity | $5,939,000 | 4,731 |
| Average total loans | $28,716,500 | 4,623 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 3,244 |
| Cost of funding earning assets | 0.3301% | 4,653 |
| Net interest margin | 4.0718% | 1,614 |
| Noninterest income to average assets | 0.9867% | 1,000 |
| Noninterest expense to average assets | 3.2735% | 1,350 |
| Loan and lease loss provision to assets | 0.2159% | 914 |
| Net operating income to assets | 1.3433% | 1,529 |
| Return on assets (ROA) | 1.3417% | 1,616 |
| Pretax return on assets | 1.3417% | 2,358 |
| Return on Equity (ROE) | 14.6802% | 754 |
| Retained earnings to average equity (ytd only) | 9.0810% | 689 |
| Net charge-offs to loans | 0.2284% | 895 |
| Credit loss provision to net charge-offs | 214.2857% | 1,231 |
| Earnings coverage of net charge-offs (x) | 15.4762% | 2,229 |
| Efficiency ratio | 67.7366% | 2,496 |
| Assets per employee ($millions) | 3.0835% | 4,775 |
| Cash dividends to net income (ytd only)* | 38.1406% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,402 |
| Loan loss allowance to noncurrent loans | 345.5446% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 3,822 |
| Noncurrent loans to loans | 0.3490% | 3,197 |
| Net loans and leases to total assets | 46.3653% | 4,509 |
| Net loans and leases to deposits | 51.6753% | 4,615 |
| Net loans and leases to core deposits | 52.5607% | 4,686 |
| Total domestic deposits to total assets | 89.7242% | 415 |
| Equity capital to assets | 9.5267% | 4,332 |
| Core capital (leverage) ratio | 9.2509% | 4,321 |
| Tier 1 risk-based capital ratio | 16.9073% | 2,077 |
| Total risk-based capital ratio | 17.9170% | 2,099 |
| Memoranda: | ||
| Average total assets | $62,533,400 | 4,558 |
| Average earning assets | $59,064,400 | 4,535 |
| Average equity | $5,715,200 | 4,795 |
| Average total loans | $27,583,800 | 4,697 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 3,325 |
| Cost of funding earning assets | 0.3260% | 4,731 |
| Net interest margin | 4.0832% | 1,662 |
| Noninterest income to average assets | 0.9816% | 969 |
| Noninterest expense to average assets | 3.0831% | 1,750 |
| Loan and lease loss provision to assets | 0.1551% | 1,209 |
| Net operating income to assets | 1.6021% | 929 |
| Return on assets (ROA) | 1.6021% | 968 |
| Pretax return on assets | 1.6021% | 1,632 |
| Return on Equity (ROE) | 17.7139% | 418 |
| Retained earnings to average equity (ytd only) | 14.0959% | 202 |
| Net charge-offs to loans | 0.0587% | 1,984 |
| Credit loss provision to net charge-offs | 608.3333% | 535 |
| Earnings coverage of net charge-offs (x) | 68.9150% | 967 |
| Efficiency ratio | 63.6962% | 3,062 |
| Assets per employee ($millions) | 3.0834% | 4,850 |
| Cash dividends to net income (ytd only)* | 20.4245% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 2,718 |
| Loan loss allowance to noncurrent loans | 1,469.5652% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 2,906 |
| Noncurrent loans to loans | 0.0789% | 4,289 |
| Net loans and leases to total assets | 46.7122% | 4,565 |
| Net loans and leases to deposits | 52.1461% | 4,702 |
| Net loans and leases to core deposits | 53.0595% | 4,773 |
| Total domestic deposits to total assets | 89.5795% | 421 |
| Equity capital to assets | 9.6616% | 4,325 |
| Core capital (leverage) ratio | 9.4874% | 4,175 |
| Tier 1 risk-based capital ratio | 16.8347% | 2,137 |
| Total risk-based capital ratio | 17.7949% | 2,181 |
| Memoranda: | ||
| Average total assets | $62,749,500 | 4,607 |
| Average earning assets | $59,298,250 | 4,584 |
| Average equity | $5,675,250 | 4,861 |
| Average total loans | $27,244,250 | 4,768 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 3,373 |
| Cost of funding earning assets | 0.3216% | 4,762 |
| Net interest margin | 4.0641% | 1,718 |
| Noninterest income to average assets | 0.9571% | 964 |
| Noninterest expense to average assets | 2.9631% | 2,100 |
| Loan and lease loss provision to assets | 0.0792% | 2,241 |
| Net operating income to assets | 1.7588% | 649 |
| Return on assets (ROA) | 1.7588% | 678 |
| Pretax return on assets | 1.7588% | 1,152 |
| Return on Equity (ROE) | 19.8889% | 266 |
| Retained earnings to average equity (ytd only) | 16.1620% | 125 |
| Net charge-offs to loans | 0.0225% | 2,398 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 193.3333% | 401 |
| Efficiency ratio | 61.7162% | 3,477 |
| Assets per employee ($millions) | 3.4301% | 4,577 |
| Cash dividends to net income (ytd only)* | 18.7387% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,289 |
| Loan loss allowance to noncurrent loans | 1,495.0000% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,609 |
| Noncurrent loans to loans | 0.0708% | 4,364 |
| Net loans and leases to total assets | 45.2544% | 4,673 |
| Net loans and leases to deposits | 50.3550% | 4,794 |
| Net loans and leases to core deposits | 50.8592% | 4,848 |
| Total domestic deposits to total assets | 89.8708% | 371 |
| Equity capital to assets | 9.4150% | 4,485 |
| Core capital (leverage) ratio | 9.1891% | 4,471 |
| Tier 1 risk-based capital ratio | 16.6225% | 2,198 |
| Total risk-based capital ratio | 17.4829% | 2,264 |
| Memoranda: | ||
| Average total assets | $63,110,330 | 4,635 |
| Average earning assets | $59,693,330 | 4,614 |
| Average equity | $5,581,000 | 4,905 |
| Average total loans | $26,611,000 | 4,815 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,798 |
| Cost of funding earning assets | 0.2979% | 4,856 |
| Net interest margin | 3.9251% | 2,114 |
| Noninterest income to average assets | 0.9092% | 1,024 |
| Noninterest expense to average assets | 2.8090% | 2,538 |
| Loan and lease loss provision to assets | 0.0314% | 2,995 |
| Net operating income to assets | 1.7870% | 594 |
| Return on assets (ROA) | 1.7870% | 613 |
| Pretax return on assets | 1.7870% | 1,002 |
| Return on Equity (ROE) | 20.8600% | 219 |
| Retained earnings to average equity (ytd only) | 20.8600% | 88 |
| Net charge-offs to loans | 0.0155% | 2,169 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 281 |
| Efficiency ratio | 60.7046% | 3,718 |
| Assets per employee ($millions) | 3.3667% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,433 |
| Loan loss allowance to noncurrent loans | 1,277.2727% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 4,665 |
| Noncurrent loans to loans | 0.0818% | 4,394 |
| Net loans and leases to total assets | 41.6208% | 4,842 |
| Net loans and leases to deposits | 45.9549% | 4,931 |
| Net loans and leases to core deposits | 46.3954% | 4,977 |
| Total domestic deposits to total assets | 90.5687% | 263 |
| Equity capital to assets | 8.7778% | 4,839 |
| Core capital (leverage) ratio | 8.7674% | 4,818 |
| Tier 1 risk-based capital ratio | 16.4666% | 2,281 |
| Total risk-based capital ratio | 17.2914% | 2,366 |
| Memoranda: | ||
| Average total assets | $63,794,500 | 4,680 |
| Average earning assets | $60,432,000 | 4,639 |
| Average equity | $5,465,000 | 4,970 |
| Average total loans | $25,796,500 | 4,890 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 4,681 |
| Cost of funding earning assets | 0.2276% | 4,898 |
| Net interest margin | 3.4641% | 3,822 |
| Noninterest income to average assets | 1.0000% | 940 |
| Noninterest expense to average assets | 3.1760% | 1,610 |
| Loan and lease loss provision to assets | 0.0576% | 3,010 |
| Net operating income to assets | 1.0460% | 2,822 |
| Return on assets (ROA) | 1.0460% | 2,806 |
| Pretax return on assets | 1.0460% | 3,453 |
| Return on Equity (ROE) | 12.3122% | 1,609 |
| Retained earnings to average equity (ytd only) | 8.0920% | 1,192 |
| Net charge-offs to loans | 0.1001% | 1,762 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 31.9524% | 1,529 |
| Efficiency ratio | 74.2121% | 1,600 |
| Assets per employee ($millions) | 3.5345% | 4,508 |
| Cash dividends to net income (ytd only)* | 34.2767% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,457.8947% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,711 |
| Noncurrent loans to loans | 0.0770% | 4,412 |
| Net loans and leases to total assets | 38.3694% | 5,001 |
| Net loans and leases to deposits | 42.2102% | 5,073 |
| Net loans and leases to core deposits | 42.5969% | 5,111 |
| Total domestic deposits to total assets | 90.9008% | 229 |
| Equity capital to assets | 8.3542% | 5,016 |
| Core capital (leverage) ratio | 8.5695% | 4,976 |
| Tier 1 risk-based capital ratio | 16.5281% | 2,232 |
| Total risk-based capital ratio | 17.3877% | 2,305 |
| Memoranda: | ||
| Average total assets | $60,800,600 | 4,748 |
| Average earning assets | $57,562,600 | 4,720 |
| Average equity | $5,165,600 | 5,026 |
| Average total loans | $20,988,200 | 5,056 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5460% | 4,881 |
| Cost of funding earning assets | 0.2086% | 4,987 |
| Net interest margin | 3.3375% | 4,190 |
| Noninterest income to average assets | 1.0050% | 952 |
| Noninterest expense to average assets | 3.0373% | 1,910 |
| Loan and lease loss provision to assets | 0.0444% | 3,105 |
| Net operating income to assets | 1.0827% | 2,738 |
| Return on assets (ROA) | 1.0827% | 2,749 |
| Pretax return on assets | 1.0827% | 3,460 |
| Return on Equity (ROE) | 12.6876% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.5437% | 544 |
| Net charge-offs to loans | 0.0664% | 1,882 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 50.8117% | 1,163 |
| Efficiency ratio | 72.9355% | 1,740 |
| Assets per employee ($millions) | 3.2130% | 4,876 |
| Cash dividends to net income (ytd only)* | 9.0171% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,498 |
| Loan loss allowance to noncurrent loans | 505.5556% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,529 |
| Noncurrent loans to loans | 0.2415% | 3,832 |
| Net loans and leases to total assets | 36.1738% | 5,140 |
| Net loans and leases to deposits | 39.9158% | 5,210 |
| Net loans and leases to core deposits | 40.0977% | 5,239 |
| Total domestic deposits to total assets | 90.6253% | 309 |
| Equity capital to assets | 8.7162% | 4,787 |
| Core capital (leverage) ratio | 8.7492% | 4,923 |
| Tier 1 risk-based capital ratio | 16.8961% | 2,136 |
| Total risk-based capital ratio | 17.7579% | 2,208 |
| Memoranda: | ||
| Average total assets | $60,095,500 | 4,816 |
| Average earning assets | $56,888,250 | 4,782 |
| Average equity | $5,128,250 | 5,094 |
| Average total loans | $20,063,250 | 5,133 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4233% | 5,013 |
| Cost of funding earning assets | 0.1943% | 5,055 |
| Net interest margin | 3.2290% | 4,440 |
| Noninterest income to average assets | 1.0137% | 930 |
| Noninterest expense to average assets | 2.9007% | 2,355 |
| Loan and lease loss provision to assets | 0.0167% | 3,558 |
| Net operating income to assets | 1.1543% | 2,378 |
| Return on assets (ROA) | 1.1543% | 2,377 |
| Pretax return on assets | 1.1543% | 3,116 |
| Return on Equity (ROE) | 13.6256% | 1,176 |
| Retained earnings to average equity (ytd only) | 11.8878% | 535 |
| Net charge-offs to loans | 0.0829% | 1,498 |
| Credit loss provision to net charge-offs | 62.5000% | 2,410 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,226 |
| Efficiency ratio | 71.2408% | 2,125 |
| Assets per employee ($millions) | 3.2652% | 4,859 |
| Cash dividends to net income (ytd only)* | 12.7536% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,199 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 4,923 |
| Noncurrent loans to loans | 0.0647% | 4,632 |
| Net loans and leases to total assets | 31.9804% | 5,287 |
| Net loans and leases to deposits | 35.1424% | 5,338 |
| Net loans and leases to core deposits | 35.5155% | 5,349 |
| Total domestic deposits to total assets | 91.0023% | 247 |
| Equity capital to assets | 8.3675% | 5,040 |
| Core capital (leverage) ratio | 8.5268% | 5,090 |
| Tier 1 risk-based capital ratio | 17.8472% | 1,844 |
| Total risk-based capital ratio | 18.7382% | 1,894 |
| Memoranda: | ||
| Average total assets | $59,778,330 | 4,877 |
| Average earning assets | $56,612,000 | 4,846 |
| Average equity | $5,064,000 | 5,157 |
| Average total loans | $19,299,000 | 5,212 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3398% | 5,081 |
| Cost of funding earning assets | 0.1871% | 5,087 |
| Net interest margin | 3.1527% | 4,594 |
| Noninterest income to average assets | 1.0230% | 875 |
| Noninterest expense to average assets | 2.8441% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1663% | 2,150 |
| Return on assets (ROA) | 1.1663% | 2,163 |
| Pretax return on assets | 1.1663% | 2,902 |
| Return on Equity (ROE) | 13.6786% | 1,091 |
| Retained earnings to average equity (ytd only) | 13.6786% | 437 |
| Net charge-offs to loans | 0.0423% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 674 |
| Efficiency ratio | 70.9184% | 2,359 |
| Assets per employee ($millions) | 3.3359% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,779 |
| Loan loss allowance to noncurrent loans | 5,220.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,089 |
| Noncurrent loans to loans | 0.0271% | 4,858 |
| Net loans and leases to total assets | 30.2768% | 5,358 |
| Net loans and leases to deposits | 33.2979% | 5,404 |
| Net loans and leases to core deposits | 33.6748% | 5,416 |
| Total domestic deposits to total assets | 90.9270% | 343 |
| Equity capital to assets | 8.4485% | 5,013 |
| Core capital (leverage) ratio | 8.5855% | 5,077 |
| Tier 1 risk-based capital ratio | 18.9111% | 1,571 |
| Total risk-based capital ratio | 19.8831% | 1,619 |
| Memoranda: | ||
| Average total assets | $58,648,500 | 4,954 |
| Average earning assets | $55,572,000 | 4,921 |
| Average equity | $5,000,500 | 5,221 |
| Average total loans | $18,898,500 | 5,279 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 4,827 |
| Cost of funding earning assets | 0.1603% | 5,207 |
| Net interest margin | 3.3114% | 4,121 |
| Noninterest income to average assets | 1.0276% | 966 |
| Noninterest expense to average assets | 3.1178% | 1,809 |
| Loan and lease loss provision to assets | 0.2753% | 650 |
| Net operating income to assets | 0.7047% | 3,582 |
| Return on assets (ROA) | 0.7047% | 3,636 |
| Pretax return on assets | 0.7047% | 4,497 |
| Return on Equity (ROE) | 7.8724% | 2,855 |
| Retained earnings to average equity (ytd only) | 4.1412% | 2,684 |
| Net charge-offs to loans | 0.7407% | 281 |
| Credit loss provision to net charge-offs | 98.6842% | 2,634 |
| Earnings coverage of net charge-offs (x) | 3.5132% | 3,597 |
| Efficiency ratio | 76.0860% | 1,603 |
| Assets per employee ($millions) | 3.3677% | 4,864 |
| Cash dividends to net income (ytd only)* | 47.3958% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,936 |
| Loan loss allowance to noncurrent loans | 5,260.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 4,366 |
| Noncurrent loans to loans | 0.0258% | 4,902 |
| Net loans and leases to total assets | 33.3496% | 5,358 |
| Net loans and leases to deposits | 36.7477% | 5,414 |
| Net loans and leases to core deposits | 37.3779% | 5,430 |
| Total domestic deposits to total assets | 90.7530% | 321 |
| Equity capital to assets | 8.6077% | 5,033 |
| Core capital (leverage) ratio | 8.6819% | 4,966 |
| Tier 1 risk-based capital ratio | 18.3474% | 1,696 |
| Total risk-based capital ratio | 19.3307% | 1,730 |
| Memoranda: | ||
| Average total assets | $54,493,800 | 5,066 |
| Average earning assets | $50,521,800 | 5,051 |
| Average equity | $4,877,800 | 5,292 |
| Average total loans | $20,522,000 | 5,300 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5107% | 4,791 |
| Cost of funding earning assets | 0.1585% | 5,264 |
| Net interest margin | 3.3522% | 4,006 |
| Noninterest income to average assets | 0.9887% | 1,052 |
| Noninterest expense to average assets | 3.0480% | 1,964 |
| Loan and lease loss provision to assets | 0.3544% | 415 |
| Net operating income to assets | 0.6790% | 4,085 |
| Return on assets (ROA) | 0.6790% | 4,144 |
| Pretax return on assets | 0.6790% | 4,659 |
| Return on Equity (ROE) | 7.5088% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.5088% | 1,429 |
| Net charge-offs to loans | 0.7431% | 251 |
| Credit loss provision to net charge-offs | 123.2759% | 1,975 |
| Earnings coverage of net charge-offs (x) | 3.5949% | 3,320 |
| Efficiency ratio | 74.6812% | 1,794 |
| Assets per employee ($millions) | 3.0070% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,698 |
| Loan loss allowance to noncurrent loans | 251.7241% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 3,559 |
| Noncurrent loans to loans | 0.5766% | 2,962 |
| Net loans and leases to total assets | 36.6275% | 5,325 |
| Net loans and leases to deposits | 40.6950% | 5,400 |
| Net loans and leases to core deposits | 41.5157% | 5,428 |
| Total domestic deposits to total assets | 90.0048% | 472 |
| Equity capital to assets | 9.3042% | 4,645 |
| Core capital (leverage) ratio | 9.2072% | 4,511 |
| Tier 1 risk-based capital ratio | 18.1328% | 1,823 |
| Total risk-based capital ratio | 19.1960% | 1,819 |
| Memoranda: | ||
| Average total assets | $53,804,500 | 5,144 |
| Average earning assets | $49,637,500 | 5,127 |
| Average equity | $4,865,250 | 5,351 |
| Average total loans | $20,813,500 | 5,348 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 4,680 |
| Cost of funding earning assets | 0.1581% | 5,287 |
| Net interest margin | 3.3738% | 3,864 |
| Noninterest income to average assets | 1.0019% | 1,015 |
| Noninterest expense to average assets | 2.9946% | 2,127 |
| Loan and lease loss provision to assets | 0.5028% | 236 |
| Net operating income to assets | 0.6034% | 4,292 |
| Return on assets (ROA) | 0.6034% | 4,336 |
| Pretax return on assets | 0.6034% | 4,797 |
| Return on Equity (ROE) | 6.7383% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.7383% | 1,722 |
| Net charge-offs to loans | 1.0834% | 180 |
| Credit loss provision to net charge-offs | 118.4211% | 1,798 |
| Earnings coverage of net charge-offs (x) | 2.6053% | 3,145 |
| Efficiency ratio | 73.0245% | 2,182 |
| Assets per employee ($millions) | 3.0061% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,848 |
| Loan loss allowance to noncurrent loans | 267.2897% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 3,433 |
| Noncurrent loans to loans | 0.5323% | 3,166 |
| Net loans and leases to total assets | 36.6198% | 5,355 |
| Net loans and leases to deposits | 40.5771% | 5,436 |
| Net loans and leases to core deposits | 41.4817% | 5,457 |
| Total domestic deposits to total assets | 90.2476% | 447 |
| Equity capital to assets | 9.1092% | 4,794 |
| Core capital (leverage) ratio | 8.9423% | 4,786 |
| Tier 1 risk-based capital ratio | 17.9112% | 1,881 |
| Total risk-based capital ratio | 18.9637% | 1,905 |
| Memoranda: | ||
| Average total assets | $53,697,330 | 5,178 |
| Average earning assets | $49,320,670 | 5,169 |
| Average equity | $4,808,330 | 5,401 |
| Average total loans | $21,045,670 | 5,378 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 4,467 |
| Cost of funding earning assets | 0.1489% | 5,383 |
| Net interest margin | 3.4326% | 3,513 |
| Noninterest income to average assets | 1.0469% | 916 |
| Noninterest expense to average assets | 3.0734% | 1,941 |
| Loan and lease loss provision to assets | 0.9946% | 89 |
| Net operating income to assets | 0.0374% | 5,583 |
| Return on assets (ROA) | 0.0374% | 5,588 |
| Pretax return on assets | 0.0823% | 5,539 |
| Return on Equity (ROE) | 0.4212% | 5,578 |
| Retained earnings to average equity (ytd only) | 0.4212% | 4,825 |
| Net charge-offs to loans | -0.1487% | 5,562 |
| Credit loss provision to net charge-offs | -1,662.5000% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0541% | 2,224 |
| Assets per employee ($millions) | 3.1507% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 800 |
| Loan loss allowance to noncurrent loans | 69.0476% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,623 |
| Noncurrent loans to loans | 2.7368% | 538 |
| Net loans and leases to total assets | 39.3544% | 5,273 |
| Net loans and leases to deposits | 43.4932% | 5,375 |
| Net loans and leases to core deposits | 44.5249% | 5,400 |
| Total domestic deposits to total assets | 90.4839% | 479 |
| Equity capital to assets | 8.8869% | 4,917 |
| Core capital (leverage) ratio | 8.6774% | 5,071 |
| Tier 1 risk-based capital ratio | 16.6956% | 2,280 |
| Total risk-based capital ratio | 17.9469% | 2,247 |
| Memoranda: | ||
| Average total assets | $53,491,000 | 5,238 |
| Average earning assets | $48,359,500 | 5,243 |
| Average equity | $4,748,000 | 5,469 |
| Average total loans | $21,518,000 | 5,420 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 4,599 |
| Cost of funding earning assets | 0.1414% | 5,474 |
| Net interest margin | 3.4251% | 3,727 |
| Noninterest income to average assets | 1.0336% | 1,059 |
| Noninterest expense to average assets | 3.0490% | 2,184 |
| Loan and lease loss provision to assets | 0.1111% | 2,208 |
| Net operating income to assets | 0.9336% | 2,656 |
| Return on assets (ROA) | 0.9336% | 2,767 |
| Pretax return on assets | 0.9688% | 3,586 |
| Return on Equity (ROE) | 10.6504% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.8890% | 1,276 |
| Net charge-offs to loans | 0.1833% | 1,513 |
| Credit loss provision to net charge-offs | 153.8462% | 1,782 |
| Earnings coverage of net charge-offs (x) | 14.9487% | 2,247 |
| Efficiency ratio | 73.8448% | 2,309 |
| Assets per employee ($millions) | 3.1424% | 5,225 |
| Cash dividends to net income (ytd only)* | 35.3175% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,940 |
| Loan loss allowance to noncurrent loans | 716.2162% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 5,055 |
| Noncurrent loans to loans | 0.1717% | 4,549 |
| Net loans and leases to total assets | 39.8465% | 5,322 |
| Net loans and leases to deposits | 44.0203% | 5,430 |
| Net loans and leases to core deposits | 45.3173% | 5,456 |
| Total domestic deposits to total assets | 90.5185% | 446 |
| Equity capital to assets | 8.8656% | 4,948 |
| Core capital (leverage) ratio | 8.8000% | 4,964 |
| Tier 1 risk-based capital ratio | 16.7569% | 2,249 |
| Total risk-based capital ratio | 17.7007% | 2,306 |
| Memoranda: | ||
| Average total assets | $53,984,400 | 5,264 |
| Average earning assets | $48,787,200 | 5,271 |
| Average equity | $4,732,200 | 5,521 |
| Average total loans | $21,280,400 | 5,475 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 4,874 |
| Cost of funding earning assets | 0.1374% | 5,567 |
| Net interest margin | 3.3404% | 4,056 |
| Noninterest income to average assets | 1.0346% | 1,061 |
| Noninterest expense to average assets | 2.9338% | 2,526 |
| Loan and lease loss provision to assets | 0.0862% | 2,502 |
| Net operating income to assets | 1.0395% | 2,246 |
| Return on assets (ROA) | 1.0395% | 2,370 |
| Pretax return on assets | 1.0691% | 3,355 |
| Return on Equity (ROE) | 11.8922% | 1,362 |
| Retained earnings to average equity (ytd only) | 9.5252% | 684 |
| Net charge-offs to loans | 0.1948% | 1,204 |
| Credit loss provision to net charge-offs | 112.9032% | 2,189 |
| Earnings coverage of net charge-offs (x) | 15.1299% | 2,199 |
| Efficiency ratio | 71.7470% | 2,612 |
| Assets per employee ($millions) | 3.1442% | 5,249 |
| Cash dividends to net income (ytd only)* | 19.9058% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,470 |
| Loan loss allowance to noncurrent loans | 590.4762% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 5,121 |
| Noncurrent loans to loans | 0.1968% | 4,564 |
| Net loans and leases to total assets | 39.4634% | 5,408 |
| Net loans and leases to deposits | 43.7390% | 5,521 |
| Net loans and leases to core deposits | 45.1218% | 5,546 |
| Total domestic deposits to total assets | 90.2249% | 396 |
| Equity capital to assets | 9.1259% | 5,047 |
| Core capital (leverage) ratio | 8.7242% | 5,134 |
| Tier 1 risk-based capital ratio | 17.2647% | 2,143 |
| Total risk-based capital ratio | 18.1663% | 2,212 |
| Memoranda: | ||
| Average total assets | $54,125,500 | 5,311 |
| Average earning assets | $49,493,250 | 5,307 |
| Average equity | $4,731,250 | 5,577 |
| Average total loans | $21,212,750 | 5,526 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 4,994 |
| Cost of funding earning assets | 0.1326% | 5,669 |
| Net interest margin | 3.3115% | 4,188 |
| Noninterest income to average assets | 1.0304% | 1,057 |
| Noninterest expense to average assets | 2.9696% | 2,448 |
| Loan and lease loss provision to assets | 0.0736% | 2,668 |
| Net operating income to assets | 1.0193% | 2,299 |
| Return on assets (ROA) | 1.0193% | 2,436 |
| Pretax return on assets | 1.0193% | 3,516 |
| Return on Equity (ROE) | 11.8317% | 1,377 |
| Retained earnings to average equity (ytd only) | 9.2689% | 778 |
| Net charge-offs to loans | 0.1984% | 1,155 |
| Credit loss provision to net charge-offs | 95.2381% | 2,180 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 2,075 |
| Efficiency ratio | 73.0978% | 2,500 |
| Assets per employee ($millions) | 3.2332% | 5,159 |
| Cash dividends to net income (ytd only)* | 21.6606% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,632 |
| Loan loss allowance to noncurrent loans | 675.0000% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,294 |
| Noncurrent loans to loans | 0.1707% | 4,753 |
| Net loans and leases to total assets | 37.9376% | 5,517 |
| Net loans and leases to deposits | 41.8354% | 5,626 |
| Net loans and leases to core deposits | 43.1504% | 5,645 |
| Total domestic deposits to total assets | 90.6830% | 265 |
| Equity capital to assets | 8.6875% | 5,495 |
| Core capital (leverage) ratio | 8.6178% | 5,245 |
| Tier 1 risk-based capital ratio | 15.4357% | 2,886 |
| Total risk-based capital ratio | 16.2463% | 3,024 |
| Memoranda: | ||
| Average total assets | $54,350,000 | 5,364 |
| Average earning assets | $49,765,330 | 5,358 |
| Average equity | $4,682,330 | 5,647 |
| Average total loans | $21,169,670 | 5,589 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 5,037 |
| Cost of funding earning assets | 0.1364% | 5,705 |
| Net interest margin | 3.2980% | 4,226 |
| Noninterest income to average assets | 1.0362% | 1,010 |
| Noninterest expense to average assets | 2.7016% | 3,408 |
| Loan and lease loss provision to assets | 0.0370% | 3,170 |
| Net operating income to assets | 1.3397% | 1,152 |
| Return on assets (ROA) | 1.3397% | 1,234 |
| Pretax return on assets | 1.3397% | 2,137 |
| Return on Equity (ROE) | 15.6169% | 582 |
| Retained earnings to average equity (ytd only) | 15.6169% | 210 |
| Net charge-offs to loans | 0.2075% | 968 |
| Credit loss provision to net charge-offs | 45.4545% | 2,092 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,598 |
| Efficiency ratio | 66.2432% | 3,756 |
| Assets per employee ($millions) | 3.1522% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,932 |
| Loan loss allowance to noncurrent loans | 371.8750% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 5,106 |
| Noncurrent loans to loans | 0.3017% | 4,346 |
| Net loans and leases to total assets | 39.1382% | 5,501 |
| Net loans and leases to deposits | 43.1988% | 5,620 |
| Net loans and leases to core deposits | 44.5419% | 5,640 |
| Total domestic deposits to total assets | 90.6003% | 401 |
| Equity capital to assets | 8.8380% | 5,311 |
| Core capital (leverage) ratio | 8.4567% | 5,429 |
| Tier 1 risk-based capital ratio | 16.7555% | 2,372 |
| Total risk-based capital ratio | 17.6239% | 2,483 |
| Memoranda: | ||
| Average total assets | $54,043,000 | 5,422 |
| Average earning assets | $49,849,000 | 5,406 |
| Average equity | $4,636,000 | 5,697 |
| Average total loans | $21,207,000 | 5,638 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1681% | 5,545 |
| Cost of funding earning assets | 0.1291% | 5,819 |
| Net interest margin | 3.0390% | 5,049 |
| Noninterest income to average assets | 0.9117% | 1,404 |
| Noninterest expense to average assets | 2.9112% | 2,821 |
| Loan and lease loss provision to assets | 0.0581% | 3,152 |
| Net operating income to assets | 0.8009% | 3,334 |
| Return on assets (ROA) | 0.7991% | 3,428 |
| Pretax return on assets | 0.7991% | 4,189 |
| Return on Equity (ROE) | 10.1967% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.3786% | 1,617 |
| Net charge-offs to loans | 0.1927% | 1,510 |
| Credit loss provision to net charge-offs | 82.5000% | 2,904 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,489 |
| Efficiency ratio | 77.2176% | 2,085 |
| Assets per employee ($millions) | 3.2058% | 5,289 |
| Cash dividends to net income (ytd only)* | 37.4449% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,749 |
| Loan loss allowance to noncurrent loans | 343.6620% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 5,074 |
| Noncurrent loans to loans | 0.3349% | 4,262 |
| Net loans and leases to total assets | 38.4576% | 5,603 |
| Net loans and leases to deposits | 42.2058% | 5,705 |
| Net loans and leases to core deposits | 43.7996% | 5,724 |
| Total domestic deposits to total assets | 91.1191% | 255 |
| Equity capital to assets | 8.3231% | 5,688 |
| Core capital (leverage) ratio | 8.0607% | 5,798 |
| Tier 1 risk-based capital ratio | 16.1438% | 2,624 |
| Total risk-based capital ratio | 17.0370% | 2,724 |
| Memoranda: | ||
| Average total assets | $56,814,600 | 5,388 |
| Average earning assets | $53,438,800 | 5,353 |
| Average equity | $4,452,400 | 5,767 |
| Average total loans | $20,756,600 | 5,692 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1101% | 5,697 |
| Cost of funding earning assets | 0.1305% | 5,912 |
| Net interest margin | 2.9796% | 5,245 |
| Noninterest income to average assets | 0.8595% | 1,584 |
| Noninterest expense to average assets | 2.7389% | 3,431 |
| Loan and lease loss provision to assets | 0.0650% | 2,887 |
| Net operating income to assets | 0.8665% | 3,103 |
| Return on assets (ROA) | 0.8665% | 3,187 |
| Pretax return on assets | 0.8665% | 4,110 |
| Return on Equity (ROE) | 11.2224% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.1163% | 861 |
| Net charge-offs to loans | 0.1744% | 1,432 |
| Credit loss provision to net charge-offs | 103.7037% | 2,197 |
| Earnings coverage of net charge-offs (x) | 14.8514% | 2,224 |
| Efficiency ratio | 74.6203% | 2,455 |
| Assets per employee ($millions) | 3.2013% | 5,283 |
| Cash dividends to net income (ytd only)* | 18.7666% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 3,653 |
| Loan loss allowance to noncurrent loans | 700.0000% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 5,503 |
| Noncurrent loans to loans | 0.1715% | 4,968 |
| Net loans and leases to total assets | 38.1004% | 5,695 |
| Net loans and leases to deposits | 41.8584% | 5,808 |
| Net loans and leases to core deposits | 43.6444% | 5,800 |
| Total domestic deposits to total assets | 91.0220% | 237 |
| Equity capital to assets | 8.4029% | 5,762 |
| Core capital (leverage) ratio | 7.7113% | 6,008 |
| Tier 1 risk-based capital ratio | 15.7461% | 2,924 |
| Total risk-based capital ratio | 16.6418% | 3,028 |
| Memoranda: | ||
| Average total assets | $57,393,500 | 5,443 |
| Average earning assets | $54,144,750 | 5,405 |
| Average equity | $4,431,500 | 5,853 |
| Average total loans | $20,645,000 | 5,763 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0097% | 5,847 |
| Cost of funding earning assets | 0.1228% | 6,031 |
| Net interest margin | 2.8869% | 5,465 |
| Noninterest income to average assets | 0.7982% | 1,787 |
| Noninterest expense to average assets | 2.5418% | 4,099 |
| Loan and lease loss provision to assets | 0.0514% | 3,092 |
| Net operating income to assets | 0.9420% | 2,674 |
| Return on assets (ROA) | 0.9420% | 2,798 |
| Pretax return on assets | 0.9420% | 3,802 |
| Return on Equity (ROE) | 12.5447% | 1,210 |
| Retained earnings to average equity (ytd only) | 10.3551% | 611 |
| Net charge-offs to loans | 0.0390% | 2,899 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 762 |
| Efficiency ratio | 71.8992% | 3,011 |
| Assets per employee ($millions) | 3.6111% | 4,608 |
| Cash dividends to net income (ytd only)* | 17.4545% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 3,578 |
| Loan loss allowance to noncurrent loans | 369.0141% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 5,399 |
| Noncurrent loans to loans | 0.3353% | 4,486 |
| Net loans and leases to total assets | 34.0702% | 5,904 |
| Net loans and leases to deposits | 36.9164% | 6,005 |
| Net loans and leases to core deposits | 38.4991% | 6,003 |
| Total domestic deposits to total assets | 92.2900% | 101 |
| Equity capital to assets | 7.2408% | 6,157 |
| Core capital (leverage) ratio | 7.4471% | 6,113 |
| Tier 1 risk-based capital ratio | 14.4058% | 3,694 |
| Total risk-based capital ratio | 15.2729% | 3,848 |
| Memoranda: | ||
| Average total assets | $58,384,000 | 5,477 |
| Average earning assets | $55,353,670 | 5,429 |
| Average equity | $4,384,330 | 5,922 |
| Average total loans | $20,531,000 | 5,825 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0492% | 5,842 |
| Cost of funding earning assets | 0.1258% | 6,088 |
| Net interest margin | 2.9234% | 5,399 |
| Noninterest income to average assets | 0.7735% | 1,816 |
| Noninterest expense to average assets | 2.5456% | 4,114 |
| Loan and lease loss provision to assets | 0.0492% | 2,946 |
| Net operating income to assets | 0.9564% | 2,471 |
| Return on assets (ROA) | 0.9564% | 2,606 |
| Pretax return on assets | 0.9564% | 3,663 |
| Return on Equity (ROE) | 12.4943% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.4943% | 505 |
| Net charge-offs to loans | -0.0198% | 5,047 |
| Credit loss provision to net charge-offs | -700.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6832% | 3,222 |
| Assets per employee ($millions) | 3.4262% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 3,731 |
| Loan loss allowance to noncurrent loans | 616.6667% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,435 |
| Noncurrent loans to loans | 0.2013% | 5,054 |
| Net loans and leases to total assets | 35.3793% | 5,856 |
| Net loans and leases to deposits | 38.4660% | 5,970 |
| Net loans and leases to core deposits | 40.1211% | 5,969 |
| Total domestic deposits to total assets | 91.9754% | 150 |
| Equity capital to assets | 7.5542% | 6,163 |
| Core capital (leverage) ratio | 7.2766% | 6,205 |
| Tier 1 risk-based capital ratio | 15.2103% | 3,314 |
| Total risk-based capital ratio | 16.1344% | 3,430 |
| Memoranda: | ||
| Average total assets | $56,882,000 | 5,574 |
| Average earning assets | $54,047,000 | 5,512 |
| Average equity | $4,354,000 | 5,981 |
| Average total loans | $20,208,000 | 5,888 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 5,610 |
| Cost of funding earning assets | 0.1416% | 6,148 |
| Net interest margin | 3.2167% | 4,865 |
| Noninterest income to average assets | 0.9596% | 1,323 |
| Noninterest expense to average assets | 3.1198% | 2,454 |
| Loan and lease loss provision to assets | 0.0498% | 3,565 |
| Net operating income to assets | 0.8203% | 3,279 |
| Return on assets (ROA) | 0.8203% | 3,366 |
| Pretax return on assets | 0.8203% | 4,192 |
| Return on Equity (ROE) | 9.7423% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.1717% | 1,822 |
| Net charge-offs to loans | 0.2255% | 1,864 |
| Credit loss provision to net charge-offs | 58.1395% | 3,321 |
| Earnings coverage of net charge-offs (x) | 10.1628% | 2,648 |
| Efficiency ratio | 78.1936% | 2,189 |
| Assets per employee ($millions) | 2.9220% | 5,799 |
| Cash dividends to net income (ytd only)* | 36.6505% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 3,519 |
| Loan loss allowance to noncurrent loans | 1,394.4444% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 5,654 |
| Noncurrent loans to loans | 0.0921% | 5,520 |
| Net loans and leases to total assets | 34.7617% | 6,004 |
| Net loans and leases to deposits | 37.8761% | 6,110 |
| Net loans and leases to core deposits | 39.5463% | 6,107 |
| Total domestic deposits to total assets | 91.7774% | 181 |
| Equity capital to assets | 7.7596% | 6,155 |
| Core capital (leverage) ratio | 7.6110% | 6,169 |
| Tier 1 risk-based capital ratio | 15.6852% | 3,134 |
| Total risk-based capital ratio | 16.6394% | 3,225 |
| Memoranda: | ||
| Average total assets | $50,228,000 | 5,780 |
| Average earning assets | $47,315,600 | 5,746 |
| Average equity | $4,229,000 | 6,044 |
| Average total loans | $19,067,000 | 5,997 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4203% | 5,555 |
| Cost of funding earning assets | 0.1449% | 6,212 |
| Net interest margin | 3.2754% | 4,695 |
| Noninterest income to average assets | 0.9596% | 1,337 |
| Noninterest expense to average assets | 3.0834% | 2,514 |
| Loan and lease loss provision to assets | 0.0409% | 3,588 |
| Net operating income to assets | 0.9160% | 2,834 |
| Return on assets (ROA) | 0.9160% | 2,939 |
| Pretax return on assets | 0.9160% | 3,923 |
| Return on Equity (ROE) | 10.6430% | 1,930 |
| Retained earnings to average equity (ytd only) | 8.4889% | 1,151 |
| Net charge-offs to loans | 0.2181% | 1,731 |
| Credit loss provision to net charge-offs | 48.3871% | 3,130 |
| Earnings coverage of net charge-offs (x) | 11.3233% | 2,438 |
| Efficiency ratio | 76.3158% | 2,442 |
| Assets per employee ($millions) | 2.8462% | 5,915 |
| Cash dividends to net income (ytd only)* | 20.2371% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 3,716 |
| Loan loss allowance to noncurrent loans | 408.0645% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,465 |
| Noncurrent loans to loans | 0.3152% | 4,963 |
| Net loans and leases to total assets | 37.9009% | 5,949 |
| Net loans and leases to deposits | 41.6156% | 6,069 |
| Net loans and leases to core deposits | 43.7872% | 6,044 |
| Total domestic deposits to total assets | 91.0738% | 343 |
| Equity capital to assets | 8.4265% | 5,855 |
| Core capital (leverage) ratio | 7.9463% | 6,107 |
| Tier 1 risk-based capital ratio | 16.1642% | 2,976 |
| Total risk-based capital ratio | 17.1535% | 3,048 |
| Memoranda: | ||
| Average total assets | $48,905,500 | 5,879 |
| Average earning assets | $45,998,000 | 5,838 |
| Average equity | $4,209,250 | 6,107 |
| Average total loans | $18,946,250 | 6,066 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 5,630 |
| Cost of funding earning assets | 0.1412% | 6,313 |
| Net interest margin | 3.2529% | 4,769 |
| Noninterest income to average assets | 0.9433% | 1,347 |
| Noninterest expense to average assets | 2.9711% | 2,935 |
| Loan and lease loss provision to assets | 0.0623% | 3,024 |
| Net operating income to assets | 0.9724% | 2,447 |
| Return on assets (ROA) | 0.9724% | 2,528 |
| Pretax return on assets | 0.9724% | 3,600 |
| Return on Equity (ROE) | 11.2141% | 1,662 |
| Retained earnings to average equity (ytd only) | 9.0575% | 969 |
| Net charge-offs to loans | 0.2352% | 1,632 |
| Credit loss provision to net charge-offs | 68.1818% | 2,500 |
| Earnings coverage of net charge-offs (x) | 11.3182% | 2,169 |
| Efficiency ratio | 74.1701% | 2,949 |
| Assets per employee ($millions) | 2.8333% | 5,987 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 3,467 |
| Loan loss allowance to noncurrent loans | 396.9697% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 5,535 |
| Noncurrent loans to loans | 0.3467% | 4,965 |
| Net loans and leases to total assets | 36.8184% | 6,015 |
| Net loans and leases to deposits | 40.3833% | 6,135 |
| Net loans and leases to core deposits | 42.8229% | 6,120 |
| Total domestic deposits to total assets | 91.1724% | 355 |
| Equity capital to assets | 8.3374% | 5,925 |
| Core capital (leverage) ratio | 8.1457% | 5,987 |
| Tier 1 risk-based capital ratio | 15.6582% | 3,266 |
| Total risk-based capital ratio | 16.6699% | 3,341 |
| Memoranda: | ||
| Average total assets | $48,130,330 | 5,944 |
| Average earning assets | $45,314,000 | 5,907 |
| Average equity | $4,173,330 | 6,159 |
| Average total loans | $18,705,000 | 6,134 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4918% | 5,446 |
| Cost of funding earning assets | 0.1459% | 6,375 |
| Net interest margin | 3.3459% | 4,347 |
| Noninterest income to average assets | 1.0022% | 1,125 |
| Noninterest expense to average assets | 3.0838% | 2,581 |
| Loan and lease loss provision to assets | 0.1285% | 1,890 |
| Net operating income to assets | 0.9337% | 2,489 |
| Return on assets (ROA) | 0.9337% | 2,558 |
| Pretax return on assets | 0.9337% | 3,580 |
| Return on Equity (ROE) | 10.5467% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.5467% | 828 |
| Net charge-offs to loans | 0.3668% | 983 |
| Credit loss provision to net charge-offs | 88.2353% | 1,818 |
| Earnings coverage of net charge-offs (x) | 7.2941% | 2,128 |
| Efficiency ratio | 74.3802% | 3,073 |
| Assets per employee ($millions) | 2.6355% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,545 |
| Loan loss allowance to noncurrent loans | 269.6970% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 5,596 |
| Noncurrent loans to loans | 0.5234% | 4,605 |
| Net loans and leases to total assets | 39.3115% | 5,856 |
| Net loans and leases to deposits | 43.3567% | 6,006 |
| Net loans and leases to core deposits | 46.0651% | 5,984 |
| Total domestic deposits to total assets | 90.6701% | 697 |
| Equity capital to assets | 8.8092% | 5,324 |
| Core capital (leverage) ratio | 8.5470% | 5,589 |
| Tier 1 risk-based capital ratio | 16.0826% | 3,134 |
| Total risk-based capital ratio | 17.1643% | 3,166 |
| Memoranda: | ||
| Average total assets | $46,696,000 | 6,049 |
| Average earning assets | $43,874,500 | 6,007 |
| Average equity | $4,134,000 | 6,212 |
| Average total loans | $18,538,000 | 6,198 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,730 |
| Cost of funding earning assets | 0.1693% | 6,447 |
| Net interest margin | 3.6530% | 3,234 |
| Noninterest income to average assets | 1.1143% | 1,129 |
| Noninterest expense to average assets | 3.4444% | 1,781 |
| Loan and lease loss provision to assets | 0.0897% | 3,316 |
| Net operating income to assets | 0.9939% | 2,349 |
| Return on assets (ROA) | 0.9939% | 2,424 |
| Pretax return on assets | 0.9939% | 3,373 |
| Return on Equity (ROE) | 10.3802% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.3119% | 1,797 |
| Net charge-offs to loans | 0.1071% | 3,759 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 24.1579% | 1,377 |
| Efficiency ratio | 76.0688% | 2,760 |
| Assets per employee ($millions) | 2.5529% | 6,362 |
| Cash dividends to net income (ytd only)* | 39.1924% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 3,277 |
| Loan loss allowance to noncurrent loans | 572.3404% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 6,028 |
| Noncurrent loans to loans | 0.2588% | 5,405 |
| Net loans and leases to total assets | 38.9333% | 6,031 |
| Net loans and leases to deposits | 42.9773% | 6,178 |
| Net loans and leases to core deposits | 45.3591% | 6,166 |
| Total domestic deposits to total assets | 90.5904% | 759 |
| Equity capital to assets | 8.8982% | 5,149 |
| Core capital (leverage) ratio | 8.4562% | 5,719 |
| Tier 1 risk-based capital ratio | 16.1507% | 3,031 |
| Total risk-based capital ratio | 17.2745% | 3,039 |
| Memoranda: | ||
| Average total assets | $42,358,600 | 6,213 |
| Average earning assets | $39,584,000 | 6,179 |
| Average equity | $4,055,800 | 6,312 |
| Average total loans | $17,739,600 | 6,296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 4,421 |
| Cost of funding earning assets | 0.1795% | 6,507 |
| Net interest margin | 3.7424% | 2,874 |
| Noninterest income to average assets | 1.1288% | 1,148 |
| Noninterest expense to average assets | 3.3638% | 1,911 |
| Loan and lease loss provision to assets | 0.0579% | 3,890 |
| Net operating income to assets | 1.1931% | 1,661 |
| Return on assets (ROA) | 1.1931% | 1,735 |
| Pretax return on assets | 1.1931% | 2,735 |
| Return on Equity (ROE) | 12.2211% | 1,411 |
| Retained earnings to average equity (ytd only) | 9.2566% | 982 |
| Net charge-offs to loans | 0.0756% | 3,865 |
| Credit loss provision to net charge-offs | 180.0000% | 1,344 |
| Earnings coverage of net charge-offs (x) | 38.9085% | 1,027 |
| Efficiency ratio | 72.8920% | 3,242 |
| Assets per employee ($millions) | 2.5531% | 6,425 |
| Cash dividends to net income (ytd only)* | 24.2596% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,414 |
| Loan loss allowance to noncurrent loans | 1,172.7273% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,306 |
| Noncurrent loans to loans | 0.1288% | 5,934 |
| Net loans and leases to total assets | 38.7632% | 6,122 |
| Net loans and leases to deposits | 43.0424% | 6,262 |
| Net loans and leases to core deposits | 44.8413% | 6,257 |
| Total domestic deposits to total assets | 90.0581% | 959 |
| Equity capital to assets | 9.4051% | 4,669 |
| Core capital (leverage) ratio | 9.0884% | 4,982 |
| Tier 1 risk-based capital ratio | 17.3226% | 2,572 |
| Total risk-based capital ratio | 18.4712% | 2,585 |
| Memoranda: | ||
| Average total assets | $41,460,000 | 6,316 |
| Average earning assets | $38,619,250 | 6,281 |
| Average equity | $4,047,500 | 6,391 |
| Average total loans | $17,634,500 | 6,363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 4,079 |
| Cost of funding earning assets | 0.1848% | 6,546 |
| Net interest margin | 3.8229% | 2,467 |
| Noninterest income to average assets | 1.1173% | 1,218 |
| Noninterest expense to average assets | 3.4989% | 1,611 |
| Loan and lease loss provision to assets | 0.0245% | 4,429 |
| Net operating income to assets | 1.1418% | 1,775 |
| Return on assets (ROA) | 1.1418% | 1,887 |
| Pretax return on assets | 1.1418% | 2,922 |
| Return on Equity (ROE) | 11.5461% | 1,622 |
| Retained earnings to average equity (ytd only) | 9.0684% | 1,097 |
| Net charge-offs to loans | 0.0449% | 4,047 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 706 |
| Efficiency ratio | 75.0000% | 2,944 |
| Assets per employee ($millions) | 2.4618% | 6,529 |
| Cash dividends to net income (ytd only)* | 21.4592% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,193 |
| Loan loss allowance to noncurrent loans | 1,045.8333% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 6,329 |
| Noncurrent loans to loans | 0.1305% | 5,996 |
| Net loans and leases to total assets | 43.3586% | 5,796 |
| Net loans and leases to deposits | 48.3172% | 5,965 |
| Net loans and leases to core deposits | 50.6702% | 5,983 |
| Total domestic deposits to total assets | 89.7374% | 1,182 |
| Equity capital to assets | 9.6820% | 4,334 |
| Core capital (leverage) ratio | 9.1167% | 4,808 |
| Tier 1 risk-based capital ratio | 16.3866% | 2,993 |
| Total risk-based capital ratio | 17.4709% | 3,024 |
| Memoranda: | ||
| Average total assets | $40,812,670 | 6,386 |
| Average earning assets | $37,876,670 | 6,348 |
| Average equity | $4,036,000 | 6,444 |
| Average total loans | $17,818,670 | 6,397 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 4,077 |
| Cost of funding earning assets | 0.1925% | 6,614 |
| Net interest margin | 3.8173% | 2,386 |
| Noninterest income to average assets | 1.0622% | 1,320 |
| Noninterest expense to average assets | 3.2660% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3402% | 1,175 |
| Return on assets (ROA) | 1.3402% | 1,271 |
| Pretax return on assets | 1.3402% | 2,073 |
| Return on Equity (ROE) | 13.4062% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.4062% | 505 |
| Net charge-offs to loans | 0.0456% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 529 |
| Efficiency ratio | 70.9052% | 3,808 |
| Assets per employee ($millions) | 2.4215% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,490 |
| Loan loss allowance to noncurrent loans | 855.1724% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,391 |
| Noncurrent loans to loans | 0.1573% | 6,001 |
| Net loans and leases to total assets | 44.1734% | 5,642 |
| Net loans and leases to deposits | 49.2898% | 5,834 |
| Net loans and leases to core deposits | 51.5829% | 5,854 |
| Total domestic deposits to total assets | 89.6198% | 1,284 |
| Equity capital to assets | 9.8652% | 4,323 |
| Core capital (leverage) ratio | 9.2271% | 4,520 |
| Tier 1 risk-based capital ratio | 16.2889% | 3,113 |
| Total risk-based capital ratio | 17.3678% | 3,155 |
| Memoranda: | ||
| Average total assets | $40,293,500 | 6,450 |
| Average earning assets | $37,409,000 | 6,422 |
| Average equity | $4,028,000 | 6,508 |
| Average total loans | $17,529,500 | 6,463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 5,423 |
| Cost of funding earning assets | 0.2367% | 6,723 |
| Net interest margin | 3.7192% | 3,561 |
| Noninterest income to average assets | 1.0728% | 1,354 |
| Noninterest expense to average assets | 3.5443% | 1,731 |
| Loan and lease loss provision to assets | 0.0752% | 4,783 |
| Net operating income to assets | 0.9199% | 2,714 |
| Return on assets (ROA) | 0.9199% | 2,953 |
| Pretax return on assets | 0.9199% | 3,864 |
| Return on Equity (ROE) | 9.5802% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.2911% | 1,924 |
| Net charge-offs to loans | 0.0682% | 4,997 |
| Credit loss provision to net charge-offs | 272.7273% | 886 |
| Earnings coverage of net charge-offs (x) | 36.0909% | 873 |
| Efficiency ratio | 78.0784% | 2,435 |
| Assets per employee ($millions) | 2.4639% | 6,643 |
| Cash dividends to net income (ytd only)* | 34.3324% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 3,732 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,581 |
| Noncurrent loans to loans | 0.0722% | 6,304 |
| Net loans and leases to total assets | 41.5428% | 6,040 |
| Net loans and leases to deposits | 46.4978% | 6,220 |
| Net loans and leases to core deposits | 48.6239% | 6,228 |
| Total domestic deposits to total assets | 89.3435% | 1,341 |
| Equity capital to assets | 10.1339% | 3,993 |
| Core capital (leverage) ratio | 9.1166% | 4,714 |
| Tier 1 risk-based capital ratio | 17.0718% | 2,615 |
| Total risk-based capital ratio | 18.2540% | 2,615 |
| Memoranda: | ||
| Average total assets | $39,894,800 | 6,505 |
| Average earning assets | $37,185,400 | 6,465 |
| Average equity | $3,830,800 | 6,603 |
| Average total loans | $16,118,600 | 6,593 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 5,766 |
| Cost of funding earning assets | 0.2461% | 6,825 |
| Net interest margin | 3.6634% | 3,956 |
| Noninterest income to average assets | 1.0196% | 1,457 |
| Noninterest expense to average assets | 3.3622% | 2,100 |
| Loan and lease loss provision to assets | 0.0833% | 4,578 |
| Net operating income to assets | 0.9963% | 2,531 |
| Return on assets (ROA) | 0.9963% | 2,753 |
| Pretax return on assets | 0.9963% | 3,732 |
| Return on Equity (ROE) | 10.5194% | 2,128 |
| Retained earnings to average equity (ytd only) | 8.5491% | 1,394 |
| Net charge-offs to loans | 0.0250% | 5,322 |
| Credit loss provision to net charge-offs | 833.3333% | 336 |
| Earnings coverage of net charge-offs (x) | 107.9975% | 394 |
| Efficiency ratio | 75.6939% | 2,721 |
| Assets per employee ($millions) | 2.5598% | 6,641 |
| Cash dividends to net income (ytd only)* | 18.7277% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 3,795 |
| Loan loss allowance to noncurrent loans | 1,331.5789% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 6,631 |
| Noncurrent loans to loans | 0.1153% | 6,323 |
| Net loans and leases to total assets | 42.2741% | 6,103 |
| Net loans and leases to deposits | 47.4149% | 6,290 |
| Net loans and leases to core deposits | 49.4667% | 6,313 |
| Total domestic deposits to total assets | 89.1580% | 1,336 |
| Equity capital to assets | 10.3185% | 4,055 |
| Core capital (leverage) ratio | 8.9614% | 5,122 |
| Tier 1 risk-based capital ratio | 17.9836% | 2,360 |
| Total risk-based capital ratio | 19.2432% | 2,330 |
| Memoranda: | ||
| Average total assets | $40,013,000 | 6,587 |
| Average earning assets | $37,377,750 | 6,533 |
| Average equity | $3,789,750 | 6,695 |
| Average total loans | $15,991,500 | 6,683 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 5,982 |
| Cost of funding earning assets | 0.2698% | 6,838 |
| Net interest margin | 3.6020% | 4,251 |
| Noninterest income to average assets | 1.0160% | 1,416 |
| Noninterest expense to average assets | 3.1121% | 2,889 |
| Loan and lease loss provision to assets | 0.0888% | 4,462 |
| Net operating income to assets | 1.1738% | 1,805 |
| Return on assets (ROA) | 1.1738% | 2,008 |
| Pretax return on assets | 1.1738% | 3,038 |
| Return on Equity (ROE) | 12.7534% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.5028% | 848 |
| Net charge-offs to loans | 0.0253% | 5,032 |
| Credit loss provision to net charge-offs | 900.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 348 |
| Efficiency ratio | 71.1387% | 3,577 |
| Assets per employee ($millions) | 2.7476% | 6,478 |
| Cash dividends to net income (ytd only)* | 17.6471% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 4,066 |
| Loan loss allowance to noncurrent loans | 650.0000% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 6,572 |
| Noncurrent loans to loans | 0.2289% | 6,119 |
| Net loans and leases to total assets | 39.6734% | 6,369 |
| Net loans and leases to deposits | 43.9945% | 6,556 |
| Net loans and leases to core deposits | 46.0034% | 6,575 |
| Total domestic deposits to total assets | 90.1781% | 826 |
| Equity capital to assets | 9.3002% | 5,316 |
| Core capital (leverage) ratio | 8.8874% | 5,068 |
| Tier 1 risk-based capital ratio | 14.8684% | 3,855 |
| Total risk-based capital ratio | 15.8986% | 3,964 |
| Memoranda: | ||
| Average total assets | $40,551,670 | 6,616 |
| Average earning assets | $37,812,330 | 6,562 |
| Average equity | $3,732,330 | 6,746 |
| Average total loans | $15,827,000 | 6,747 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 6,154 |
| Cost of funding earning assets | 0.2868% | 6,880 |
| Net interest margin | 3.5580% | 4,451 |
| Noninterest income to average assets | 0.9547% | 1,547 |
| Noninterest expense to average assets | 3.0333% | 3,142 |
| Loan and lease loss provision to assets | 0.0995% | 4,098 |
| Net operating income to assets | 1.1536% | 1,871 |
| Return on assets (ROA) | 1.1536% | 2,050 |
| Pretax return on assets | 1.1536% | 3,095 |
| Return on Equity (ROE) | 12.6018% | 1,512 |
| Retained earnings to average equity (ytd only) | 12.6018% | 740 |
| Net charge-offs to loans | 0.0259% | 4,320 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 282 |
| Efficiency ratio | 70.7657% | 3,664 |
| Assets per employee ($millions) | 2.5035% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 4,183 |
| Loan loss allowance to noncurrent loans | 923.0769% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 6,727 |
| Noncurrent loans to loans | 0.1619% | 6,356 |
| Net loans and leases to total assets | 39.4897% | 6,388 |
| Net loans and leases to deposits | 43.7469% | 6,573 |
| Net loans and leases to core deposits | 45.6389% | 6,591 |
| Total domestic deposits to total assets | 90.2686% | 936 |
| Equity capital to assets | 9.2670% | 5,136 |
| Core capital (leverage) ratio | 8.4569% | 5,664 |
| Tier 1 risk-based capital ratio | 17.1988% | 2,605 |
| Total risk-based capital ratio | 18.3833% | 2,597 |
| Memoranda: | ||
| Average total assets | $40,220,500 | 6,676 |
| Average earning assets | $37,662,000 | 6,619 |
| Average equity | $3,682,000 | 6,805 |
| Average total loans | $15,441,500 | 6,825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 6,394 |
| Cost of funding earning assets | 0.3578% | 6,990 |
| Net interest margin | 3.6765% | 4,407 |
| Noninterest income to average assets | 1.1906% | 935 |
| Noninterest expense to average assets | 3.5903% | 1,763 |
| Loan and lease loss provision to assets | 0.1264% | 5,031 |
| Net operating income to assets | 0.9114% | 2,553 |
| Return on assets (ROA) | 0.9114% | 2,671 |
| Pretax return on assets | 0.9114% | 3,570 |
| Return on Equity (ROE) | 10.1663% | 2,003 |
| Retained earnings to average equity (ytd only) | 7.1105% | 1,445 |
| Net charge-offs to loans | 0.3436% | 3,681 |
| Credit loss provision to net charge-offs | 92.3077% | 3,904 |
| Earnings coverage of net charge-offs (x) | 7.5769% | 2,314 |
| Efficiency ratio | 77.5754% | 2,649 |
| Assets per employee ($millions) | 2.6923% | 6,619 |
| Cash dividends to net income (ytd only)* | 30.0578% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,761 |
| Loan loss allowance to noncurrent loans | 700.0000% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,749 |
| Noncurrent loans to loans | 0.2226% | 6,293 |
| Net loans and leases to total assets | 36.1372% | 6,764 |
| Net loans and leases to deposits | 39.9256% | 6,887 |
| Net loans and leases to core deposits | 41.8214% | 6,891 |
| Total domestic deposits to total assets | 90.5113% | 715 |
| Equity capital to assets | 9.0430% | 5,504 |
| Core capital (leverage) ratio | 8.2189% | 5,960 |
| Tier 1 risk-based capital ratio | 17.0600% | 2,574 |
| Total risk-based capital ratio | 18.2297% | 2,576 |
| Memoranda: | ||
| Average total assets | $37,963,000 | 6,742 |
| Average earning assets | $35,495,600 | 6,694 |
| Average equity | $3,403,400 | 6,910 |
| Average total loans | $15,135,600 | 6,898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 6,364 |
| Cost of funding earning assets | 0.3781% | 7,066 |
| Net interest margin | 3.7426% | 4,146 |
| Noninterest income to average assets | 1.1849% | 939 |
| Noninterest expense to average assets | 3.5369% | 1,837 |
| Loan and lease loss provision to assets | 0.1178% | 4,965 |
| Net operating income to assets | 1.0279% | 2,222 |
| Return on assets (ROA) | 1.0279% | 2,387 |
| Pretax return on assets | 1.0279% | 3,299 |
| Return on Equity (ROE) | 11.4924% | 1,693 |
| Retained earnings to average equity (ytd only) | 8.1404% | 1,455 |
| Net charge-offs to loans | 0.3418% | 3,389 |
| Credit loss provision to net charge-offs | 84.6154% | 3,976 |
| Earnings coverage of net charge-offs (x) | 8.2306% | 2,212 |
| Efficiency ratio | 75.5335% | 2,913 |
| Assets per employee ($millions) | 2.5499% | 6,838 |
| Cash dividends to net income (ytd only)* | 29.1674% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,564 |
| Loan loss allowance to noncurrent loans | 108.0189% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 5,731 |
| Noncurrent loans to loans | 1.5016% | 4,038 |
| Net loans and leases to total assets | 34.0425% | 6,950 |
| Net loans and leases to deposits | 37.5561% | 7,049 |
| Net loans and leases to core deposits | 39.0042% | 7,063 |
| Total domestic deposits to total assets | 90.6444% | 573 |
| Equity capital to assets | 8.8752% | 5,888 |
| Core capital (leverage) ratio | 8.2900% | 5,992 |
| Tier 1 risk-based capital ratio | 17.8539% | 2,308 |
| Total risk-based capital ratio | 19.0813% | 2,286 |
| Memoranda: | ||
| Average total assets | $37,357,500 | 6,815 |
| Average earning assets | $34,912,000 | 6,779 |
| Average equity | $3,341,250 | 6,979 |
| Average total loans | $15,213,250 | 6,959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 6,166 |
| Cost of funding earning assets | 0.4082% | 7,107 |
| Net interest margin | 3.8399% | 3,584 |
| Noninterest income to average assets | 1.1654% | 935 |
| Noninterest expense to average assets | 3.5349% | 1,895 |
| Loan and lease loss provision to assets | 0.1381% | 4,576 |
| Net operating income to assets | 1.0770% | 1,947 |
| Return on assets (ROA) | 1.0770% | 2,045 |
| Pretax return on assets | 1.0770% | 2,947 |
| Return on Equity (ROE) | 12.0074% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.6970% | 1,585 |
| Net charge-offs to loans | 0.4365% | 2,828 |
| Credit loss provision to net charge-offs | 73.5294% | 3,962 |
| Earnings coverage of net charge-offs (x) | 6.4706% | 2,391 |
| Efficiency ratio | 74.4186% | 3,285 |
| Assets per employee ($millions) | 2.4333% | 6,991 |
| Cash dividends to net income (ytd only)* | 35.8974% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 4,002 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 6,317 |
| Noncurrent loans to loans | 0.7630% | 5,381 |
| Net loans and leases to total assets | 37.4576% | 6,888 |
| Net loans and leases to deposits | 41.2100% | 7,027 |
| Net loans and leases to core deposits | 43.2858% | 7,032 |
| Total domestic deposits to total assets | 90.8944% | 544 |
| Equity capital to assets | 8.6125% | 6,045 |
| Core capital (leverage) ratio | 8.7718% | 5,089 |
| Tier 1 risk-based capital ratio | 17.3702% | 2,390 |
| Total risk-based capital ratio | 18.5777% | 2,375 |
| Memoranda: | ||
| Average total assets | $36,210,330 | 6,913 |
| Average earning assets | $33,803,000 | 6,878 |
| Average equity | $3,248,000 | 7,055 |
| Average total loans | $15,578,330 | 7,009 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 5,408 |
| Cost of funding earning assets | 0.4442% | 7,127 |
| Net interest margin | 4.0344% | 2,546 |
| Noninterest income to average assets | 1.2396% | 824 |
| Noninterest expense to average assets | 3.6500% | 1,652 |
| Loan and lease loss provision to assets | 0.2066% | 3,571 |
| Net operating income to assets | 1.1363% | 1,715 |
| Return on assets (ROA) | 1.1363% | 1,758 |
| Pretax return on assets | 1.1363% | 2,618 |
| Return on Equity (ROE) | 12.3924% | 1,357 |
| Retained earnings to average equity (ytd only) | 8.6371% | 1,508 |
| Net charge-offs to loans | 0.1002% | 3,945 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 844 |
| Efficiency ratio | 73.1034% | 3,660 |
| Assets per employee ($millions) | 2.3262% | 7,168 |
| Cash dividends to net income (ytd only)* | 30.3030% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 3,937 |
| Loan loss allowance to noncurrent loans | 12,450.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,187 |
| Noncurrent loans to loans | 0.0125% | 7,041 |
| Net loans and leases to total assets | 45.1695% | 6,362 |
| Net loans and leases to deposits | 50.0619% | 6,616 |
| Net loans and leases to core deposits | 52.3413% | 6,665 |
| Total domestic deposits to total assets | 90.2273% | 1,004 |
| Equity capital to assets | 9.2855% | 4,753 |
| Core capital (leverage) ratio | 9.0919% | 4,464 |
| Tier 1 risk-based capital ratio | 17.0154% | 2,466 |
| Total risk-based capital ratio | 18.2665% | 2,444 |
| Memoranda: | ||
| Average total assets | $34,849,500 | 7,014 |
| Average earning assets | $32,421,000 | 6,973 |
| Average equity | $3,195,500 | 7,106 |
| Average total loans | $15,963,000 | 7,036 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 6,099 |
| Cost of funding earning assets | 0.5169% | 7,276 |
| Net interest margin | 4.0878% | 2,627 |
| Noninterest income to average assets | 1.1431% | 1,133 |
| Noninterest expense to average assets | 3.8648% | 1,371 |
| Loan and lease loss provision to assets | 0.1783% | 5,435 |
| Net operating income to assets | 0.8917% | 2,421 |
| Return on assets (ROA) | 0.8917% | 2,555 |
| Pretax return on assets | 0.8917% | 3,321 |
| Return on Equity (ROE) | 9.7869% | 2,007 |
| Retained earnings to average equity (ytd only) | 7.1878% | 1,243 |
| Net charge-offs to loans | 0.4088% | 4,000 |
| Credit loss provision to net charge-offs | 98.3871% | 4,702 |
| Earnings coverage of net charge-offs (x) | 5.9032% | 2,499 |
| Efficiency ratio | 78.3175% | 2,649 |
| Assets per employee ($millions) | 2.3204% | 7,201 |
| Cash dividends to net income (ytd only)* | 26.5574% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 4,139 |
| Loan loss allowance to noncurrent loans | 758.0645% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 7,013 |
| Noncurrent loans to loans | 0.1948% | 6,682 |
| Net loans and leases to total assets | 45.0526% | 6,632 |
| Net loans and leases to deposits | 49.8063% | 6,863 |
| Net loans and leases to core deposits | 52.5080% | 6,880 |
| Total domestic deposits to total assets | 90.4557% | 859 |
| Equity capital to assets | 9.0530% | 5,069 |
| Core capital (leverage) ratio | 8.9292% | 4,647 |
| Tier 1 risk-based capital ratio | 16.7488% | 2,441 |
| Total risk-based capital ratio | 17.9968% | 2,412 |
| Memoranda: | ||
| Average total assets | $34,206,000 | 7,069 |
| Average earning assets | $31,728,800 | 7,029 |
| Average equity | $3,116,400 | 7,241 |
| Average total loans | $15,166,200 | 7,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 6,282 |
| Cost of funding earning assets | 0.5270% | 7,406 |
| Net interest margin | 4.0940% | 2,650 |
| Noninterest income to average assets | 1.0923% | 1,194 |
| Noninterest expense to average assets | 3.6997% | 1,565 |
| Loan and lease loss provision to assets | 0.1488% | 5,551 |
| Net operating income to assets | 1.0453% | 2,088 |
| Return on assets (ROA) | 1.0453% | 2,195 |
| Pretax return on assets | 1.0453% | 3,014 |
| Return on Equity (ROE) | 11.4549% | 1,659 |
| Retained earnings to average equity (ytd only) | 9.3955% | 932 |
| Net charge-offs to loans | 0.2136% | 4,659 |
| Credit loss provision to net charge-offs | 158.3333% | 2,408 |
| Earnings coverage of net charge-offs (x) | 12.7081% | 1,659 |
| Efficiency ratio | 75.6000% | 3,020 |
| Assets per employee ($millions) | 2.2417% | 7,353 |
| Cash dividends to net income (ytd only)* | 17.9780% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,503 |
| Loan loss allowance to noncurrent loans | 423.7288% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 6,918 |
| Noncurrent loans to loans | 0.3789% | 6,436 |
| Net loans and leases to total assets | 45.5659% | 6,736 |
| Net loans and leases to deposits | 50.7166% | 6,969 |
| Net loans and leases to core deposits | 52.6674% | 7,020 |
| Total domestic deposits to total assets | 89.8442% | 952 |
| Equity capital to assets | 9.6027% | 4,688 |
| Core capital (leverage) ratio | 9.4557% | 3,969 |
| Tier 1 risk-based capital ratio | 17.3551% | 2,223 |
| Total risk-based capital ratio | 18.6058% | 2,184 |
| Memoranda: | ||
| Average total assets | $34,056,000 | 7,159 |
| Average earning assets | $31,622,750 | 7,121 |
| Average equity | $3,107,750 | 7,333 |
| Average total loans | $14,978,750 | 7,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 6,320 |
| Cost of funding earning assets | 0.5409% | 7,489 |
| Net interest margin | 4.1072% | 2,526 |
| Noninterest income to average assets | 1.0176% | 1,329 |
| Noninterest expense to average assets | 3.4270% | 2,201 |
| Loan and lease loss provision to assets | 0.1170% | 5,726 |
| Net operating income to assets | 1.2924% | 1,326 |
| Return on assets (ROA) | 1.2924% | 1,385 |
| Pretax return on assets | 1.2924% | 2,112 |
| Return on Equity (ROE) | 14.4099% | 955 |
| Retained earnings to average equity (ytd only) | 12.8450% | 395 |
| Net charge-offs to loans | 0.1624% | 4,645 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 20.0833% | 1,231 |
| Efficiency ratio | 70.8585% | 4,009 |
| Assets per employee ($millions) | 2.1857% | 7,451 |
| Cash dividends to net income (ytd only)* | 10.8597% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,465 |
| Loan loss allowance to noncurrent loans | 256.8421% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,689 |
| Noncurrent loans to loans | 0.6213% | 6,005 |
| Net loans and leases to total assets | 45.8960% | 6,784 |
| Net loans and leases to deposits | 51.0934% | 7,020 |
| Net loans and leases to core deposits | 54.7024% | 7,007 |
| Total domestic deposits to total assets | 89.8277% | 1,003 |
| Equity capital to assets | 9.6508% | 4,467 |
| Core capital (leverage) ratio | 9.2784% | 4,161 |
| Tier 1 risk-based capital ratio | 17.4520% | 2,117 |
| Total risk-based capital ratio | 18.7018% | 2,080 |
| Memoranda: | ||
| Average total assets | $34,199,330 | 7,203 |
| Average earning assets | $31,798,000 | 7,166 |
| Average equity | $3,067,330 | 7,398 |
| Average total loans | $14,781,000 | 7,326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 6,939 |
| Cost of funding earning assets | 0.5751% | 7,571 |
| Net interest margin | 3.8542% | 3,540 |
| Noninterest income to average assets | 0.9397% | 1,486 |
| Noninterest expense to average assets | 3.1627% | 3,003 |
| Loan and lease loss provision to assets | 0.1261% | 5,315 |
| Net operating income to assets | 1.2605% | 1,382 |
| Return on assets (ROA) | 1.2605% | 1,454 |
| Pretax return on assets | 1.2605% | 2,173 |
| Return on Equity (ROE) | 14.5744% | 945 |
| Retained earnings to average equity (ytd only) | 14.5744% | 447 |
| Net charge-offs to loans | 0.1928% | 3,761 |
| Credit loss provision to net charge-offs | 157.1429% | 2,280 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,292 |
| Efficiency ratio | 69.5214% | 4,405 |
| Assets per employee ($millions) | 2.1643% | 7,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,389 |
| Loan loss allowance to noncurrent loans | 352.9412% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 6,973 |
| Noncurrent loans to loans | 0.4567% | 6,384 |
| Net loans and leases to total assets | 42.2998% | 7,106 |
| Net loans and leases to deposits | 46.6408% | 7,299 |
| Net loans and leases to core deposits | 48.8462% | 7,328 |
| Total domestic deposits to total assets | 90.6928% | 658 |
| Equity capital to assets | 8.8683% | 5,449 |
| Core capital (leverage) ratio | 8.6893% | 5,039 |
| Tier 1 risk-based capital ratio | 16.9222% | 2,289 |
| Total risk-based capital ratio | 18.1747% | 2,241 |
| Memoranda: | ||
| Average total assets | $34,906,500 | 7,275 |
| Average earning assets | $32,691,500 | 7,213 |
| Average equity | $3,019,000 | 7,488 |
| Average total loans | $14,526,000 | 7,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 6,883 |
| Cost of funding earning assets | 0.7390% | 7,636 |
| Net interest margin | 4.0901% | 2,499 |
| Noninterest income to average assets | 1.1672% | 1,130 |
| Noninterest expense to average assets | 3.8806% | 1,538 |
| Loan and lease loss provision to assets | 0.0859% | 6,750 |
| Net operating income to assets | 0.8739% | 2,265 |
| Return on assets (ROA) | 0.8739% | 2,329 |
| Pretax return on assets | 0.9716% | 2,682 |
| Return on Equity (ROE) | 10.2580% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.3023% | 875 |
| Net charge-offs to loans | 0.2480% | 5,073 |
| Credit loss provision to net charge-offs | 85.2941% | 6,155 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,677 |
| Efficiency ratio | 78.5843% | 3,109 |
| Assets per employee ($millions) | 2.3456% | 7,414 |
| Cash dividends to net income (ytd only)* | 28.8136% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,025 |
| Loan loss allowance to noncurrent loans | 4,720.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 7,495 |
| Noncurrent loans to loans | 0.0353% | 7,341 |
| Net loans and leases to total assets | 39.5862% | 7,371 |
| Net loans and leases to deposits | 43.4490% | 7,533 |
| Net loans and leases to core deposits | 52.1667% | 7,519 |
| Total domestic deposits to total assets | 91.1096% | 495 |
| Equity capital to assets | 8.4328% | 6,005 |
| Core capital (leverage) ratio | 8.2420% | 5,745 |
| Tier 1 risk-based capital ratio | 16.8711% | 2,177 |
| Total risk-based capital ratio | 18.1210% | 2,155 |
| Memoranda: | ||
| Average total assets | $33,757,400 | 7,337 |
| Average earning assets | $31,123,600 | 7,306 |
| Average equity | $2,875,800 | 7,623 |
| Average total loans | $13,709,000 | 7,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 6,944 |
| Cost of funding earning assets | 0.7729% | 7,732 |
| Net interest margin | 4.1034% | 2,381 |
| Noninterest income to average assets | 1.1337% | 1,226 |
| Noninterest expense to average assets | 3.7403% | 1,723 |
| Loan and lease loss provision to assets | 0.0639% | 6,720 |
| Net operating income to assets | 0.9700% | 2,161 |
| Return on assets (ROA) | 0.9700% | 2,216 |
| Pretax return on assets | 1.1017% | 2,559 |
| Return on Equity (ROE) | 11.3561% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.9727% | 842 |
| Net charge-offs to loans | 0.2550% | 4,457 |
| Credit loss provision to net charge-offs | 61.5385% | 6,146 |
| Earnings coverage of net charge-offs (x) | 11.2293% | 1,872 |
| Efficiency ratio | 76.2408% | 3,463 |
| Assets per employee ($millions) | 2.2727% | 7,530 |
| Cash dividends to net income (ytd only)* | 20.9883% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 2,624 |
| Loan loss allowance to noncurrent loans | 796.5517% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 6,404 |
| Noncurrent loans to loans | 0.2136% | 6,961 |
| Net loans and leases to total assets | 39.1482% | 7,496 |
| Net loans and leases to deposits | 43.0919% | 7,648 |
| Net loans and leases to core deposits | 53.0825% | 7,622 |
| Total domestic deposits to total assets | 90.8480% | 470 |
| Equity capital to assets | 8.6709% | 6,004 |
| Core capital (leverage) ratio | 8.4659% | 5,551 |
| Tier 1 risk-based capital ratio | 17.3714% | 2,158 |
| Total risk-based capital ratio | 18.6243% | 2,112 |
| Memoranda: | ||
| Average total assets | $33,400,750 | 7,410 |
| Average earning assets | $30,705,750 | 7,389 |
| Average equity | $2,853,000 | 7,705 |
| Average total loans | $13,595,250 | 7,594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 6,814 |
| Cost of funding earning assets | 0.8279% | 7,785 |
| Net interest margin | 4.1595% | 2,127 |
| Noninterest income to average assets | 1.1154% | 1,276 |
| Noninterest expense to average assets | 3.5935% | 2,085 |
| Loan and lease loss provision to assets | 0.0603% | 6,618 |
| Net operating income to assets | 0.9587% | 2,249 |
| Return on assets (ROA) | 0.9587% | 2,349 |
| Pretax return on assets | 1.2481% | 2,170 |
| Return on Equity (ROE) | 11.2819% | 1,619 |
| Retained earnings to average equity (ytd only) | 10.0047% | 733 |
| Net charge-offs to loans | -0.0294% | 7,774 |
| Credit loss provision to net charge-offs | -500.0000% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3087% | 4,138 |
| Assets per employee ($millions) | 2.2306% | 7,642 |
| Cash dividends to net income (ytd only)* | 11.3208% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,966 |
| Loan loss allowance to noncurrent loans | 8,433.3333% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 7,622 |
| Noncurrent loans to loans | 0.0217% | 7,489 |
| Net loans and leases to total assets | 40.5691% | 7,521 |
| Net loans and leases to deposits | 44.6513% | 7,683 |
| Net loans and leases to core deposits | 56.6409% | 7,570 |
| Total domestic deposits to total assets | 90.8575% | 507 |
| Equity capital to assets | 8.6135% | 5,875 |
| Core capital (leverage) ratio | 8.6538% | 5,175 |
| Tier 1 risk-based capital ratio | 17.0293% | 2,295 |
| Total risk-based capital ratio | 18.2796% | 2,243 |
| Memoranda: | ||
| Average total assets | $33,170,670 | 7,478 |
| Average earning assets | $30,195,670 | 7,476 |
| Average equity | $2,818,670 | 7,783 |
| Average total loans | $13,601,330 | 7,674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 6,678 |
| Cost of funding earning assets | 0.9061% | 7,805 |
| Net interest margin | 4.1839% | 1,956 |
| Noninterest income to average assets | 1.1264% | 1,163 |
| Noninterest expense to average assets | 3.3549% | 2,482 |
| Loan and lease loss provision to assets | 0.0484% | 6,365 |
| Net operating income to assets | 0.9447% | 2,530 |
| Return on assets (ROA) | 0.9447% | 2,660 |
| Pretax return on assets | 1.5260% | 1,592 |
| Return on Equity (ROE) | 11.1948% | 1,914 |
| Retained earnings to average equity (ytd only) | 8.6114% | 1,595 |
| Net charge-offs to loans | -0.0593% | 7,747 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0590% | 4,960 |
| Assets per employee ($millions) | 2.1197% | 7,790 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 1,795 |
| Loan loss allowance to noncurrent loans | 1,543.7500% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 5,776 |
| Noncurrent loans to loans | 0.1182% | 7,187 |
| Net loans and leases to total assets | 41.8116% | 7,476 |
| Net loans and leases to deposits | 46.1389% | 7,656 |
| Net loans and leases to core deposits | 56.7078% | 7,583 |
| Total domestic deposits to total assets | 90.6212% | 545 |
| Equity capital to assets | 8.8725% | 5,520 |
| Core capital (leverage) ratio | 8.3657% | 5,780 |
| Tier 1 risk-based capital ratio | 17.2073% | 2,266 |
| Total risk-based capital ratio | 18.4637% | 2,207 |
| Memoranda: | ||
| Average total assets | $33,026,500 | 7,527 |
| Average earning assets | $30,019,500 | 7,515 |
| Average equity | $2,787,000 | 7,839 |
| Average total loans | $13,488,500 | 7,725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0739% | 5,183 |
| Cost of funding earning assets | 1.6565% | 7,343 |
| Net interest margin | 4.4174% | 1,633 |
| Noninterest income to average assets | 1.0916% | 1,320 |
| Noninterest expense to average assets | 3.6745% | 1,995 |
| Loan and lease loss provision to assets | 0.0799% | 6,397 |
| Net operating income to assets | 0.8948% | 3,021 |
| Return on assets (ROA) | 0.8948% | 2,863 |
| Pretax return on assets | 1.3222% | 2,231 |
| Return on Equity (ROE) | 11.3010% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.3301% | 406 |
| Net charge-offs to loans | 0.1432% | 4,783 |
| Credit loss provision to net charge-offs | 136.8421% | 3,894 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,390 |
| Efficiency ratio | 72.3804% | 3,864 |
| Assets per employee ($millions) | 2.4470% | 7,304 |
| Cash dividends to net income (ytd only)* | 8.5911% | 4,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7937% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,506.2500% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 5,621 |
| Noncurrent loans to loans | 0.1191% | 7,056 |
| Net loans and leases to total assets | 38.5166% | 7,742 |
| Net loans and leases to deposits | 42.1054% | 7,894 |
| Net loans and leases to core deposits | 50.7012% | 7,873 |
| Total domestic deposits to total assets | 91.4764% | 212 |
| Equity capital to assets | 8.0361% | 6,795 |
| Core capital (leverage) ratio | 7.8681% | 6,702 |
| Tier 1 risk-based capital ratio | 16.1265% | 2,613 |
| Total risk-based capital ratio | 17.3666% | 2,557 |
| Memoranda: | ||
| Average total assets | $32,521,000 | 7,537 |
| Average earning assets | $29,338,800 | 7,547 |
| Average equity | $2,575,000 | 7,955 |
| Average total loans | $13,265,200 | 7,756 |