Home > Washington State Bank > Performance and Condition Ratios
Washington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,364 |
| Cost of funding earning assets | 1.0288% | 3,232 |
| Net interest margin | 2.5448% | 4,044 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.5994% | 4,249 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7945% | 2,890 |
| Return on assets (ROA) | 0.7945% | 2,868 |
| Pretax return on assets | 1.0026% | 2,680 |
| Return on Equity (ROE) | 14.6000% | 1,369 |
| Retained earnings to average equity (ytd only) | 9.1902% | 1,213 |
| Net charge-offs to loans | 0.1463% | 699 |
| Credit loss provision to net charge-offs | 75.0000% | 2,051 |
| Earnings coverage of net charge-offs (x) | 16.7083% | 1,993 |
| Efficiency ratio | 60.3755% | 3,032 |
| Assets per employee ($millions) | 8.7561% | 1,087 |
| Cash dividends to net income (ytd only)* | 37.0675% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 3,732 |
| Loan loss allowance to noncurrent loans | 69.9029% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 1,073 |
| Noncurrent loans to loans | 1.2804% | 556 |
| Net loans and leases to total assets | 40.4700% | 4,026 |
| Net loans and leases to deposits | 43.0981% | 4,123 |
| Net loans and leases to core deposits | 49.8492% | 4,088 |
| Total domestic deposits to total assets | 93.9000% | 113 |
| Equity capital to assets | 5.7522% | 4,287 |
| Core capital (leverage) ratio | 8.9760% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $76,404,600 | 4,050 |
| Average earning assets | $73,678,400 | 3,995 |
| Average equity | $4,156,600 | 4,341 |
| Average total loans | $32,819,800 | 4,096 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5255% | 4,368 |
| Cost of funding earning assets | 0.8640% | 3,362 |
| Net interest margin | 2.6614% | 3,933 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.5689% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9445% | 2,534 |
| Return on assets (ROA) | 0.9445% | 2,523 |
| Pretax return on assets | 1.1960% | 2,308 |
| Return on Equity (ROE) | 17.6200% | 993 |
| Retained earnings to average equity (ytd only) | 17.6242% | 356 |
| Net charge-offs to loans | 0.0606% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 1,368 |
| Efficiency ratio | 56.7430% | 3,332 |
| Assets per employee ($millions) | 8.5187% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 3,819 |
| Loan loss allowance to noncurrent loans | 90.2208% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 1,406 |
| Noncurrent loans to loans | 0.9671% | 849 |
| Net loans and leases to total assets | 42.3800% | 3,978 |
| Net loans and leases to deposits | 44.6127% | 4,089 |
| Net loans and leases to core deposits | 50.8769% | 4,016 |
| Total domestic deposits to total assets | 94.9900% | 123 |
| Equity capital to assets | 4.9199% | 4,263 |
| Core capital (leverage) ratio | 9.1571% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $75,804,500 | 4,071 |
| Average earning assets | $73,142,250 | 4,015 |
| Average equity | $4,062,500 | 4,361 |
| Average total loans | $32,980,250 | 4,113 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 4,463 |
| Cost of funding earning assets | 0.5437% | 3,900 |
| Net interest margin | 2.7542% | 3,897 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.5970% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0011% | 2,416 |
| Return on assets (ROA) | 1.0011% | 2,411 |
| Pretax return on assets | 1.2554% | 2,207 |
| Return on Equity (ROE) | 18.1800% | 927 |
| Retained earnings to average equity (ytd only) | 18.1760% | 331 |
| Net charge-offs to loans | 0.0061% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 474.0000% | 315 |
| Efficiency ratio | 55.9889% | 3,418 |
| Assets per employee ($millions) | 7.5490% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 3,711 |
| Loan loss allowance to noncurrent loans | 47.9936% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 616 |
| Noncurrent loans to loans | 1.9207% | 300 |
| Net loans and leases to total assets | 42.5700% | 3,943 |
| Net loans and leases to deposits | 47.7930% | 3,995 |
| Net loans and leases to core deposits | 53.8209% | 3,898 |
| Total domestic deposits to total assets | 89.0700% | 1,236 |
| Equity capital to assets | 5.5610% | 4,281 |
| Core capital (leverage) ratio | 9.4221% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $75,516,667 | 4,095 |
| Average earning assets | $72,835,333 | 4,041 |
| Average equity | $4,159,333 | 4,376 |
| Average total loans | $33,048,000 | 4,124 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 4,460 |
| Cost of funding earning assets | 0.4158% | 3,921 |
| Net interest margin | 2.8501% | 3,864 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.6258% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1068% | 2,204 |
| Return on assets (ROA) | 1.1068% | 2,170 |
| Pretax return on assets | 1.3187% | 2,123 |
| Return on Equity (ROE) | 20.1900% | 738 |
| Retained earnings to average equity (ytd only) | 20.1932% | 363 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.2158% | 3,484 |
| Assets per employee ($millions) | 8.4129% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 3,873 |
| Loan loss allowance to noncurrent loans | 43.7318% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 493 |
| Noncurrent loans to loans | 2.0428% | 267 |
| Net loans and leases to total assets | 43.9600% | 3,869 |
| Net loans and leases to deposits | 48.6650% | 3,942 |
| Net loans and leases to core deposits | 51.1771% | 3,946 |
| Total domestic deposits to total assets | 90.3200% | 1,040 |
| Equity capital to assets | 5.5787% | 4,323 |
| Core capital (leverage) ratio | 9.6465% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,530,000 | 4,151 |
| Average earning assets | $73,120,000 | 4,095 |
| Average equity | $4,140,000 | 4,443 |
| Average total loans | $33,354,000 | 4,179 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8760% | 4,258 |
| Cost of funding earning assets | 0.2622% | 3,227 |
| Net interest margin | 2.6138% | 4,156 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.5190% | 4,405 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9065% | 2,935 |
| Return on assets (ROA) | 0.8662% | 3,026 |
| Pretax return on assets | 1.1278% | 2,677 |
| Return on Equity (ROE) | 13.6700% | 1,612 |
| Retained earnings to average equity (ytd only) | 6.9594% | 2,260 |
| Net charge-offs to loans | 0.0390% | 1,319 |
| Credit loss provision to net charge-offs | 225.0000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 1,105 |
| Efficiency ratio | 55.5768% | 3,624 |
| Assets per employee ($millions) | 9.4180% | 805 |
| Cash dividends to net income (ytd only)* | 49.0937% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 4,269 |
| Loan loss allowance to noncurrent loans | 34.9282% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 557 |
| Noncurrent loans to loans | 1.8927% | 305 |
| Net loans and leases to total assets | 43.6800% | 3,909 |
| Net loans and leases to deposits | 46.5065% | 4,032 |
| Net loans and leases to core deposits | 48.8199% | 4,025 |
| Total domestic deposits to total assets | 93.9200% | 250 |
| Equity capital to assets | 5.3833% | 4,272 |
| Core capital (leverage) ratio | 9.1851% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $76,430,000 | 4,163 |
| Average earning assets | $73,991,800 | 4,111 |
| Average equity | $4,842,400 | 4,448 |
| Average total loans | $30,778,200 | 4,229 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7257% | 4,271 |
| Cost of funding earning assets | 0.2622% | 2,576 |
| Net interest margin | 2.4635% | 4,244 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.4741% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8508% | 3,063 |
| Return on assets (ROA) | 0.8535% | 3,030 |
| Pretax return on assets | 1.1125% | 2,682 |
| Return on Equity (ROE) | 12.9900% | 1,699 |
| Retained earnings to average equity (ytd only) | 12.9917% | 616 |
| Net charge-offs to loans | 0.0353% | 1,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 79.7500% | 1,047 |
| Efficiency ratio | 57.0659% | 3,505 |
| Assets per employee ($millions) | 9.8698% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 4,369 |
| Loan loss allowance to noncurrent loans | 45.0575% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 969 |
| Noncurrent loans to loans | 1.3579% | 538 |
| Net loans and leases to total assets | 40.3200% | 4,056 |
| Net loans and leases to deposits | 42.4990% | 4,166 |
| Net loans and leases to core deposits | 45.8069% | 4,123 |
| Total domestic deposits to total assets | 94.8800% | 241 |
| Equity capital to assets | 4.9431% | 4,307 |
| Core capital (leverage) ratio | 9.3832% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $76,701,500 | 4,189 |
| Average earning assets | $74,254,500 | 4,137 |
| Average equity | $5,039,000 | 4,465 |
| Average total loans | $30,191,000 | 4,265 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6212% | 4,252 |
| Cost of funding earning assets | 0.2635% | 2,108 |
| Net interest margin | 2.3577% | 4,275 |
| Noninterest income to average assets | 0.2001% | 3,998 |
| Noninterest expense to average assets | 1.5247% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7411% | 3,172 |
| Return on assets (ROA) | 0.7452% | 3,116 |
| Pretax return on assets | 0.9664% | 2,844 |
| Return on Equity (ROE) | 10.4473% | 2,179 |
| Retained earnings to average equity (ytd only) | 10.4473% | 915 |
| Net charge-offs to loans | -0.0068% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3347% | 3,135 |
| Assets per employee ($millions) | 7.6031% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 4,397 |
| Loan loss allowance to noncurrent loans | 47.4537% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 991 |
| Noncurrent loans to loans | 1.3899% | 544 |
| Net loans and leases to total assets | 40.6098% | 4,048 |
| Net loans and leases to deposits | 46.1428% | 4,021 |
| Net loans and leases to core deposits | 50.1975% | 3,925 |
| Total domestic deposits to total assets | 88.0088% | 2,574 |
| Equity capital to assets | 5.3939% | 4,397 |
| Core capital (leverage) ratio | 9.4866% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,949,333 | 4,249 |
| Average earning assets | $73,630,000 | 4,195 |
| Average equity | $5,417,667 | 4,479 |
| Average total loans | $29,576,333 | 4,323 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5489% | 4,198 |
| Cost of funding earning assets | 0.2538% | 2,115 |
| Net interest margin | 2.2951% | 4,245 |
| Noninterest income to average assets | 0.1792% | 4,096 |
| Noninterest expense to average assets | 1.4965% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7061% | 3,035 |
| Return on assets (ROA) | 0.7061% | 3,025 |
| Pretax return on assets | 0.9222% | 2,690 |
| Return on Equity (ROE) | 8.8216% | 2,383 |
| Retained earnings to average equity (ytd only) | 8.8216% | 1,322 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8736% | 3,276 |
| Assets per employee ($millions) | 8.3138% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 4,360 |
| Loan loss allowance to noncurrent loans | 47.3441% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 1,023 |
| Noncurrent loans to loans | 1.5126% | 539 |
| Net loans and leases to total assets | 37.9851% | 4,119 |
| Net loans and leases to deposits | 41.0242% | 4,207 |
| Net loans and leases to core deposits | 44.9495% | 4,123 |
| Total domestic deposits to total assets | 92.5919% | 381 |
| Equity capital to assets | 7.2316% | 4,085 |
| Core capital (leverage) ratio | 9.0236% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,908,500 | 4,273 |
| Average earning assets | $74,070,500 | 4,212 |
| Average equity | $6,076,000 | 4,457 |
| Average total loans | $28,824,000 | 4,356 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5736% | 4,430 |
| Cost of funding earning assets | 0.3204% | 2,191 |
| Net interest margin | 2.2531% | 4,454 |
| Noninterest income to average assets | 0.1950% | 4,198 |
| Noninterest expense to average assets | 1.5641% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6307% | 3,806 |
| Return on assets (ROA) | 0.6351% | 3,846 |
| Pretax return on assets | 0.8301% | 3,667 |
| Return on Equity (ROE) | 6.5251% | 3,637 |
| Retained earnings to average equity (ytd only) | 2.9477% | 3,650 |
| Net charge-offs to loans | -0.0035% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4810% | 2,341 |
| Assets per employee ($millions) | 7.6993% | 1,496 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 4,410 |
| Loan loss allowance to noncurrent loans | 40.9639% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 1,008 |
| Noncurrent loans to loans | 1.7160% | 498 |
| Net loans and leases to total assets | 37.4281% | 4,226 |
| Net loans and leases to deposits | 41.2508% | 4,295 |
| Net loans and leases to core deposits | 45.8804% | 4,189 |
| Total domestic deposits to total assets | 90.7329% | 611 |
| Equity capital to assets | 8.7553% | 3,841 |
| Core capital (leverage) ratio | 8.8196% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,799,200 | 4,319 |
| Average earning assets | $69,903,200 | 4,259 |
| Average equity | $6,988,400 | 4,421 |
| Average total loans | $28,580,000 | 4,404 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6079% | 4,493 |
| Cost of funding earning assets | 0.3323% | 2,274 |
| Net interest margin | 2.2756% | 4,507 |
| Noninterest income to average assets | 0.1929% | 4,239 |
| Noninterest expense to average assets | 1.5678% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6427% | 3,919 |
| Return on assets (ROA) | 0.6487% | 3,956 |
| Pretax return on assets | 0.8473% | 3,805 |
| Return on Equity (ROE) | 6.4866% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.4866% | 2,622 |
| Net charge-offs to loans | -0.0187% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1218% | 2,233 |
| Assets per employee ($millions) | 7.6352% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 4,435 |
| Loan loss allowance to noncurrent loans | 42.1053% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 1,168 |
| Noncurrent loans to loans | 1.7635% | 556 |
| Net loans and leases to total assets | 36.4155% | 4,371 |
| Net loans and leases to deposits | 40.3260% | 4,439 |
| Net loans and leases to core deposits | 43.6463% | 4,395 |
| Total domestic deposits to total assets | 90.3028% | 633 |
| Equity capital to assets | 9.4169% | 3,453 |
| Core capital (leverage) ratio | 9.3894% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,500,750 | 4,393 |
| Average earning assets | $68,610,250 | 4,333 |
| Average equity | $7,050,250 | 4,479 |
| Average total loans | $28,469,750 | 4,465 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6924% | 4,467 |
| Cost of funding earning assets | 0.3538% | 2,280 |
| Net interest margin | 2.3386% | 4,479 |
| Noninterest income to average assets | 0.2013% | 4,193 |
| Noninterest expense to average assets | 1.6280% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6448% | 3,886 |
| Return on assets (ROA) | 0.6448% | 3,949 |
| Pretax return on assets | 0.8490% | 3,771 |
| Return on Equity (ROE) | 6.3110% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.3110% | 2,687 |
| Net charge-offs to loans | -0.0280% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7244% | 2,195 |
| Assets per employee ($millions) | 6.7485% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,492 |
| Loan loss allowance to noncurrent loans | 41.4830% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 1,110 |
| Noncurrent loans to loans | 1.7481% | 600 |
| Net loans and leases to total assets | 41.9930% | 4,179 |
| Net loans and leases to deposits | 46.9990% | 4,271 |
| Net loans and leases to core deposits | 51.9039% | 4,140 |
| Total domestic deposits to total assets | 89.3487% | 1,112 |
| Equity capital to assets | 10.3816% | 2,507 |
| Core capital (leverage) ratio | 9.8342% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,550,333 | 4,440 |
| Average earning assets | $66,706,667 | 4,388 |
| Average equity | $7,003,667 | 4,509 |
| Average total loans | $28,622,333 | 4,494 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7061% | 4,471 |
| Cost of funding earning assets | 0.3747% | 2,318 |
| Net interest margin | 2.3314% | 4,486 |
| Noninterest income to average assets | 0.1795% | 4,298 |
| Noninterest expense to average assets | 1.6618% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6022% | 3,937 |
| Return on assets (ROA) | 0.6022% | 3,999 |
| Pretax return on assets | 0.7875% | 3,834 |
| Return on Equity (ROE) | 5.9407% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.9407% | 2,922 |
| Net charge-offs to loans | -0.0977% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8487% | 1,954 |
| Assets per employee ($millions) | 6.8714% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 4,506 |
| Loan loss allowance to noncurrent loans | 42.1158% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 1,271 |
| Noncurrent loans to loans | 1.7494% | 682 |
| Net loans and leases to total assets | 41.3715% | 4,275 |
| Net loans and leases to deposits | 46.1891% | 4,344 |
| Net loans and leases to core deposits | 49.6446% | 4,312 |
| Total domestic deposits to total assets | 89.5698% | 1,040 |
| Equity capital to assets | 10.1304% | 2,577 |
| Core capital (leverage) ratio | 9.7144% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,083,000 | 4,447 |
| Average earning assets | $67,255,000 | 4,393 |
| Average equity | $7,002,500 | 4,522 |
| Average total loans | $28,660,500 | 4,521 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9724% | 4,651 |
| Cost of funding earning assets | 0.5664% | 2,528 |
| Net interest margin | 2.4060% | 4,651 |
| Noninterest income to average assets | 0.1500% | 4,544 |
| Noninterest expense to average assets | 1.8090% | 4,457 |
| Loan and lease loss provision to assets | 0.0594% | 3,629 |
| Net operating income to assets | 0.4828% | 4,063 |
| Return on assets (ROA) | 0.4890% | 4,134 |
| Pretax return on assets | 0.6186% | 4,040 |
| Return on Equity (ROE) | 4.5403% | 4,015 |
| Retained earnings to average equity (ytd only) | 0.9139% | 4,257 |
| Net charge-offs to loans | 0.0305% | 2,420 |
| Credit loss provision to net charge-offs | 422.2222% | 1,382 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 1,242 |
| Efficiency ratio | 72.9679% | 1,574 |
| Assets per employee ($millions) | 5.7877% | 2,552 |
| Cash dividends to net income (ytd only)* | 79.8722% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,571 |
| Loan loss allowance to noncurrent loans | 35.7268% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 1,239 |
| Noncurrent loans to loans | 1.9908% | 583 |
| Net loans and leases to total assets | 41.0039% | 4,397 |
| Net loans and leases to deposits | 46.0087% | 4,463 |
| Net loans and leases to core deposits | 48.9927% | 4,457 |
| Total domestic deposits to total assets | 89.1220% | 933 |
| Equity capital to assets | 10.1423% | 2,988 |
| Core capital (leverage) ratio | 9.5762% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,011,800 | 4,459 |
| Average earning assets | $61,970,000 | 4,419 |
| Average equity | $6,893,800 | 4,539 |
| Average total loans | $29,461,800 | 4,527 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0951% | 4,666 |
| Cost of funding earning assets | 0.6159% | 2,511 |
| Net interest margin | 2.4792% | 4,670 |
| Noninterest income to average assets | 0.1319% | 4,630 |
| Noninterest expense to average assets | 1.7812% | 4,524 |
| Loan and lease loss provision to assets | 0.1229% | 2,796 |
| Net operating income to assets | 0.4938% | 4,058 |
| Return on assets (ROA) | 0.5022% | 4,116 |
| Pretax return on assets | 0.6363% | 4,036 |
| Return on Equity (ROE) | 4.5894% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.5894% | 2,752 |
| Net charge-offs to loans | 0.0450% | 1,982 |
| Credit loss provision to net charge-offs | 580.0000% | 1,179 |
| Earnings coverage of net charge-offs (x) | 35.2000% | 1,460 |
| Efficiency ratio | 70.3953% | 1,831 |
| Assets per employee ($millions) | 5.8916% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,454 |
| Loan loss allowance to noncurrent loans | 45.4175% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 1,530 |
| Noncurrent loans to loans | 1.6773% | 821 |
| Net loans and leases to total assets | 44.8263% | 4,379 |
| Net loans and leases to deposits | 50.6945% | 4,465 |
| Net loans and leases to core deposits | 54.0524% | 4,445 |
| Total domestic deposits to total assets | 88.4243% | 1,002 |
| Equity capital to assets | 11.1607% | 2,274 |
| Core capital (leverage) ratio | 10.1727% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,651,750 | 4,493 |
| Average earning assets | $60,610,500 | 4,451 |
| Average equity | $6,856,250 | 4,564 |
| Average total loans | $29,656,750 | 4,545 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 4,722 |
| Cost of funding earning assets | 0.6617% | 2,619 |
| Net interest margin | 2.5333% | 4,714 |
| Noninterest income to average assets | 0.1033% | 4,768 |
| Noninterest expense to average assets | 1.8052% | 4,550 |
| Loan and lease loss provision to assets | 0.1873% | 2,152 |
| Net operating income to assets | 0.4393% | 4,146 |
| Return on assets (ROA) | 0.4521% | 4,187 |
| Pretax return on assets | 0.5748% | 4,106 |
| Return on Equity (ROE) | 4.1601% | 4,061 |
| Retained earnings to average equity (ytd only) | 4.1601% | 2,838 |
| Net charge-offs to loans | 0.0739% | 1,510 |
| Credit loss provision to net charge-offs | 527.2727% | 1,188 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,672 |
| Efficiency ratio | 70.7595% | 1,857 |
| Assets per employee ($millions) | 5.5819% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 4,459 |
| Loan loss allowance to noncurrent loans | 39.4316% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 1,339 |
| Noncurrent loans to loans | 1.9071% | 720 |
| Net loans and leases to total assets | 47.7191% | 4,273 |
| Net loans and leases to deposits | 54.1810% | 4,372 |
| Net loans and leases to core deposits | 57.9808% | 4,358 |
| Total domestic deposits to total assets | 88.0735% | 1,135 |
| Equity capital to assets | 11.5047% | 1,969 |
| Core capital (leverage) ratio | 10.6890% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3689% | 388 |
| Memoranda: | ||
| Average total assets | $61,933,000 | 4,511 |
| Average earning assets | $59,843,667 | 4,470 |
| Average equity | $6,730,667 | 4,600 |
| Average total loans | $29,784,333 | 4,566 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 4,847 |
| Cost of funding earning assets | 0.6994% | 2,933 |
| Net interest margin | 2.5446% | 4,792 |
| Noninterest income to average assets | 0.1029% | 4,815 |
| Noninterest expense to average assets | 2.0000% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4116% | 4,112 |
| Return on assets (ROA) | 0.4116% | 4,147 |
| Pretax return on assets | 0.5595% | 4,006 |
| Return on Equity (ROE) | 3.9001% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.9001% | 2,716 |
| Net charge-offs to loans | 0.1605% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 1,936 |
| Efficiency ratio | 78.1407% | 1,316 |
| Assets per employee ($millions) | 5.5892% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 4,825 |
| Loan loss allowance to noncurrent loans | 18.2735% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 709 |
| Noncurrent loans to loans | 3.0249% | 356 |
| Net loans and leases to total assets | 47.6993% | 4,354 |
| Net loans and leases to deposits | 53.6134% | 4,462 |
| Net loans and leases to core deposits | 57.0323% | 4,460 |
| Total domestic deposits to total assets | 88.9689% | 678 |
| Equity capital to assets | 10.7057% | 3,131 |
| Core capital (leverage) ratio | 10.5870% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,199,000 | 4,529 |
| Average earning assets | $60,048,000 | 4,479 |
| Average equity | $6,564,000 | 4,655 |
| Average total loans | $29,915,500 | 4,594 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 4,938 |
| Cost of funding earning assets | 0.6049% | 3,617 |
| Net interest margin | 2.7445% | 4,797 |
| Noninterest income to average assets | 0.2863% | 3,971 |
| Noninterest expense to average assets | 1.8750% | 4,687 |
| Loan and lease loss provision to assets | 0.0397% | 3,225 |
| Net operating income to assets | 0.7861% | 3,598 |
| Return on assets (ROA) | 0.7861% | 3,675 |
| Pretax return on assets | 1.0293% | 3,391 |
| Return on Equity (ROE) | 7.4498% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.5289% | 3,236 |
| Net charge-offs to loans | 0.0826% | 1,933 |
| Credit loss provision to net charge-offs | 96.0000% | 2,572 |
| Earnings coverage of net charge-offs (x) | 25.8400% | 1,716 |
| Efficiency ratio | 63.6875% | 3,119 |
| Assets per employee ($millions) | 5.2431% | 2,292 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 4,789 |
| Loan loss allowance to noncurrent loans | 22.9855% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 868 |
| Noncurrent loans to loans | 2.4949% | 434 |
| Net loans and leases to total assets | 47.9489% | 4,432 |
| Net loans and leases to deposits | 53.9167% | 4,537 |
| Net loans and leases to core deposits | 56.4553% | 4,566 |
| Total domestic deposits to total assets | 88.9314% | 695 |
| Equity capital to assets | 10.4042% | 3,538 |
| Core capital (leverage) ratio | 10.4620% | 2,995 |
| Tier 1 risk-based capital ratio | 23.4701% | 870 |
| Total risk-based capital ratio | 24.0987% | 908 |
| Memoranda: | ||
| Average total assets | $60,427,600 | 4,592 |
| Average earning assets | $58,517,800 | 4,546 |
| Average equity | $6,376,000 | 4,711 |
| Average total loans | $30,251,600 | 4,638 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,038 |
| Cost of funding earning assets | 0.5680% | 3,828 |
| Net interest margin | 2.8009% | 4,861 |
| Noninterest income to average assets | 0.2898% | 4,000 |
| Noninterest expense to average assets | 1.8638% | 4,743 |
| Loan and lease loss provision to assets | 0.0156% | 3,597 |
| Net operating income to assets | 0.8561% | 3,498 |
| Return on assets (ROA) | 0.8561% | 3,575 |
| Pretax return on assets | 1.1259% | 3,216 |
| Return on Equity (ROE) | 8.0838% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.0838% | 1,358 |
| Net charge-offs to loans | -0.0573% | 4,866 |
| Credit loss provision to net charge-offs | -53.8462% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0178% | 3,324 |
| Assets per employee ($millions) | 5.1898% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 4,757 |
| Loan loss allowance to noncurrent loans | 23.9852% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 846 |
| Noncurrent loans to loans | 2.6471% | 414 |
| Net loans and leases to total assets | 49.0029% | 4,481 |
| Net loans and leases to deposits | 55.0936% | 4,590 |
| Net loans and leases to core deposits | 57.3776% | 4,641 |
| Total domestic deposits to total assets | 88.9447% | 628 |
| Equity capital to assets | 10.7486% | 3,333 |
| Core capital (leverage) ratio | 10.9944% | 2,646 |
| Tier 1 risk-based capital ratio | 23.7850% | 866 |
| Total risk-based capital ratio | 24.4818% | 899 |
| Memoranda: | ||
| Average total assets | $59,805,250 | 4,665 |
| Average earning assets | $57,980,500 | 4,615 |
| Average equity | $6,333,500 | 4,778 |
| Average total loans | $30,229,000 | 4,697 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 5,099 |
| Cost of funding earning assets | 0.5174% | 4,048 |
| Net interest margin | 2.8419% | 4,882 |
| Noninterest income to average assets | 0.2848% | 4,039 |
| Noninterest expense to average assets | 1.9362% | 4,702 |
| Loan and lease loss provision to assets | 0.0237% | 3,333 |
| Net operating income to assets | 0.8240% | 3,568 |
| Return on assets (ROA) | 0.8240% | 3,625 |
| Pretax return on assets | 1.0817% | 3,284 |
| Return on Equity (ROE) | 7.8219% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.8219% | 1,461 |
| Net charge-offs to loans | -0.0732% | 4,935 |
| Credit loss provision to net charge-offs | -63.6364% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6566% | 3,189 |
| Assets per employee ($millions) | 5.1961% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 4,806 |
| Loan loss allowance to noncurrent loans | 25.0646% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 796 |
| Noncurrent loans to loans | 2.5633% | 451 |
| Net loans and leases to total assets | 52.4905% | 4,325 |
| Net loans and leases to deposits | 60.5832% | 4,402 |
| Net loans and leases to core deposits | 61.2023% | 4,529 |
| Total domestic deposits to total assets | 86.6421% | 1,751 |
| Equity capital to assets | 11.3879% | 2,713 |
| Core capital (leverage) ratio | 11.2395% | 2,385 |
| Tier 1 risk-based capital ratio | 26.0204% | 690 |
| Total risk-based capital ratio | 26.7953% | 701 |
| Memoranda: | ||
| Average total assets | $58,981,000 | 4,706 |
| Average earning assets | $57,214,330 | 4,667 |
| Average equity | $6,213,330 | 4,825 |
| Average total loans | $30,067,670 | 4,732 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 5,158 |
| Cost of funding earning assets | 0.4838% | 4,137 |
| Net interest margin | 2.8547% | 4,932 |
| Noninterest income to average assets | 0.2671% | 4,090 |
| Noninterest expense to average assets | 1.9034% | 4,794 |
| Loan and lease loss provision to assets | 0.0267% | 3,074 |
| Net operating income to assets | 0.8281% | 3,522 |
| Return on assets (ROA) | 0.8281% | 3,561 |
| Pretax return on assets | 1.0953% | 3,165 |
| Return on Equity (ROE) | 8.1774% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.1774% | 1,597 |
| Net charge-offs to loans | -0.1333% | 5,098 |
| Credit loss provision to net charge-offs | -40.0000% | 3,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9139% | 3,392 |
| Assets per employee ($millions) | 5.3479% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 4,876 |
| Loan loss allowance to noncurrent loans | 29.2758% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 1,128 |
| Noncurrent loans to loans | 2.1667% | 662 |
| Net loans and leases to total assets | 50.5941% | 4,429 |
| Net loans and leases to deposits | 56.6742% | 4,564 |
| Net loans and leases to core deposits | 56.9452% | 4,677 |
| Total domestic deposits to total assets | 89.2719% | 738 |
| Equity capital to assets | 10.5360% | 3,316 |
| Core capital (leverage) ratio | 10.7275% | 2,822 |
| Tier 1 risk-based capital ratio | 25.3689% | 734 |
| Total risk-based capital ratio | 26.1227% | 756 |
| Memoranda: | ||
| Average total assets | $59,893,000 | 4,749 |
| Average earning assets | $57,870,000 | 4,695 |
| Average equity | $6,065,500 | 4,884 |
| Average total loans | $30,003,500 | 4,787 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2784% | 5,097 |
| Cost of funding earning assets | 0.4033% | 3,968 |
| Net interest margin | 2.8750% | 4,944 |
| Noninterest income to average assets | 0.3065% | 4,065 |
| Noninterest expense to average assets | 1.9545% | 4,815 |
| Loan and lease loss provision to assets | 0.0620% | 2,915 |
| Net operating income to assets | 0.8943% | 3,456 |
| Return on assets (ROA) | 0.8943% | 3,450 |
| Pretax return on assets | 1.0836% | 3,335 |
| Return on Equity (ROE) | 9.1136% | 2,939 |
| Retained earnings to average equity (ytd only) | 5.2736% | 2,613 |
| Net charge-offs to loans | 1.2353% | 97 |
| Credit loss provision to net charge-offs | 9.7368% | 3,431 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 3,590 |
| Efficiency ratio | 63.0470% | 3,337 |
| Assets per employee ($millions) | 5.5417% | 1,918 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5856% | 4,997 |
| Loan loss allowance to noncurrent loans | 22.3067% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 901 |
| Noncurrent loans to loans | 2.6253% | 446 |
| Net loans and leases to total assets | 49.0133% | 4,580 |
| Net loans and leases to deposits | 54.5876% | 4,725 |
| Net loans and leases to core deposits | 55.5746% | 4,794 |
| Total domestic deposits to total assets | 89.7882% | 544 |
| Equity capital to assets | 9.7328% | 3,928 |
| Core capital (leverage) ratio | 10.1046% | 3,458 |
| Tier 1 risk-based capital ratio | 24.3971% | 787 |
| Total risk-based capital ratio | 25.0817% | 821 |
| Memoranda: | ||
| Average total assets | $59,709,000 | 4,767 |
| Average earning assets | $58,016,400 | 4,706 |
| Average equity | $5,859,400 | 4,923 |
| Average total loans | $30,760,600 | 4,798 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 5,187 |
| Cost of funding earning assets | 0.3851% | 3,971 |
| Net interest margin | 2.8361% | 5,048 |
| Noninterest income to average assets | 0.3030% | 4,124 |
| Noninterest expense to average assets | 1.9484% | 4,826 |
| Loan and lease loss provision to assets | 0.0763% | 2,435 |
| Net operating income to assets | 0.8844% | 3,603 |
| Return on assets (ROA) | 0.8844% | 3,604 |
| Pretax return on assets | 1.0393% | 3,612 |
| Return on Equity (ROE) | 8.9937% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.9937% | 1,218 |
| Net charge-offs to loans | 1.3188% | 96 |
| Credit loss provision to net charge-offs | 11.1111% | 3,052 |
| Earnings coverage of net charge-offs (x) | 1.6242% | 3,332 |
| Efficiency ratio | 63.5897% | 3,254 |
| Assets per employee ($millions) | 5.6425% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,621 |
| Loan loss allowance to noncurrent loans | 25.7292% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 820 |
| Noncurrent loans to loans | 3.1111% | 340 |
| Net loans and leases to total assets | 49.3177% | 4,642 |
| Net loans and leases to deposits | 54.5866% | 4,803 |
| Net loans and leases to core deposits | 55.2966% | 4,861 |
| Total domestic deposits to total assets | 90.3475% | 396 |
| Equity capital to assets | 9.5622% | 4,023 |
| Core capital (leverage) ratio | 10.5510% | 3,038 |
| Tier 1 risk-based capital ratio | 22.7450% | 968 |
| Total risk-based capital ratio | 23.6288% | 979 |
| Memoranda: | ||
| Average total assets | $59,396,500 | 4,826 |
| Average earning assets | $57,825,250 | 4,765 |
| Average equity | $5,841,000 | 4,973 |
| Average total loans | $30,937,250 | 4,847 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1901% | 5,234 |
| Cost of funding earning assets | 0.3681% | 3,952 |
| Net interest margin | 2.8220% | 5,095 |
| Noninterest income to average assets | 0.2974% | 4,191 |
| Noninterest expense to average assets | 2.0305% | 4,748 |
| Loan and lease loss provision to assets | 0.1128% | 1,754 |
| Net operating income to assets | 0.8375% | 3,728 |
| Return on assets (ROA) | 0.8375% | 3,731 |
| Pretax return on assets | 0.9059% | 3,946 |
| Return on Equity (ROE) | 8.4342% | 3,295 |
| Retained earnings to average equity (ytd only) | 8.4342% | 1,435 |
| Net charge-offs to loans | 1.9765% | 50 |
| Credit loss provision to net charge-offs | 10.7843% | 2,727 |
| Earnings coverage of net charge-offs (x) | 0.9739% | 3,095 |
| Efficiency ratio | 66.5919% | 2,880 |
| Assets per employee ($millions) | 5.1374% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 4,719 |
| Loan loss allowance to noncurrent loans | 26.7101% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 779 |
| Noncurrent loans to loans | 2.9691% | 384 |
| Net loans and leases to total assets | 54.4567% | 4,298 |
| Net loans and leases to deposits | 61.2820% | 4,463 |
| Net loans and leases to core deposits | 62.1710% | 4,593 |
| Total domestic deposits to total assets | 88.8623% | 991 |
| Equity capital to assets | 10.3307% | 3,308 |
| Core capital (leverage) ratio | 10.6795% | 2,834 |
| Tier 1 risk-based capital ratio | 22.8529% | 947 |
| Total risk-based capital ratio | 23.7585% | 962 |
| Memoranda: | ||
| Average total assets | $58,506,330 | 4,898 |
| Average earning assets | $57,051,330 | 4,839 |
| Average equity | $5,809,670 | 5,031 |
| Average total loans | $30,964,000 | 4,899 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1052% | 5,309 |
| Cost of funding earning assets | 0.3718% | 3,814 |
| Net interest margin | 2.7334% | 5,229 |
| Noninterest income to average assets | 0.2891% | 4,236 |
| Noninterest expense to average assets | 1.9898% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0218% | 2,769 |
| Return on assets (ROA) | 1.0218% | 2,793 |
| Pretax return on assets | 0.9680% | 3,642 |
| Return on Equity (ROE) | 10.4909% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.4909% | 1,016 |
| Net charge-offs to loans | 1.4740% | 95 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.2632% | 2,575 |
| Efficiency ratio | 67.2727% | 2,957 |
| Assets per employee ($millions) | 5.8606% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,158 |
| Loan loss allowance to noncurrent loans | 34.5563% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 571 |
| Noncurrent loans to loans | 3.8161% | 269 |
| Net loans and leases to total assets | 51.7131% | 4,456 |
| Net loans and leases to deposits | 57.4747% | 4,613 |
| Net loans and leases to core deposits | 58.8405% | 4,709 |
| Total domestic deposits to total assets | 89.9754% | 664 |
| Equity capital to assets | 9.8727% | 3,728 |
| Core capital (leverage) ratio | 10.3430% | 3,130 |
| Tier 1 risk-based capital ratio | 22.6574% | 973 |
| Total risk-based capital ratio | 23.9097% | 953 |
| Memoranda: | ||
| Average total assets | $59,504,000 | 4,939 |
| Average earning assets | $58,096,000 | 4,871 |
| Average equity | $5,795,500 | 5,088 |
| Average total loans | $30,936,000 | 4,951 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 5,277 |
| Cost of funding earning assets | 0.2862% | 4,265 |
| Net interest margin | 2.8232% | 5,144 |
| Noninterest income to average assets | 0.3003% | 4,305 |
| Noninterest expense to average assets | 2.0495% | 4,880 |
| Loan and lease loss provision to assets | 0.0305% | 3,666 |
| Net operating income to assets | 0.6040% | 3,990 |
| Return on assets (ROA) | 0.6040% | 4,027 |
| Pretax return on assets | 0.9654% | 3,687 |
| Return on Equity (ROE) | 6.0552% | 3,739 |
| Retained earnings to average equity (ytd only) | 2.6534% | 3,738 |
| Net charge-offs to loans | 0.4419% | 549 |
| Credit loss provision to net charge-offs | 13.2353% | 3,650 |
| Earnings coverage of net charge-offs (x) | 4.3162% | 3,479 |
| Efficiency ratio | 67.2981% | 3,037 |
| Assets per employee ($millions) | 6.0402% | 1,490 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 1,002 |
| Loan loss allowance to noncurrent loans | 37.1245% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3145% | 428 |
| Noncurrent loans to loans | 4.4865% | 184 |
| Net loans and leases to total assets | 50.7285% | 4,607 |
| Net loans and leases to deposits | 56.4728% | 4,775 |
| Net loans and leases to core deposits | 58.7702% | 4,816 |
| Total domestic deposits to total assets | 89.8282% | 632 |
| Equity capital to assets | 9.6106% | 4,132 |
| Core capital (leverage) ratio | 9.7585% | 3,737 |
| Tier 1 risk-based capital ratio | 21.6082% | 1,061 |
| Total risk-based capital ratio | 22.8656% | 1,040 |
| Memoranda: | ||
| Average total assets | $58,942,000 | 4,981 |
| Average earning assets | $57,310,800 | 4,927 |
| Average equity | $5,879,200 | 5,117 |
| Average total loans | $30,776,600 | 5,006 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 5,289 |
| Cost of funding earning assets | 0.2559% | 4,512 |
| Net interest margin | 2.8970% | 5,088 |
| Noninterest income to average assets | 0.2982% | 4,399 |
| Noninterest expense to average assets | 2.0007% | 4,952 |
| Loan and lease loss provision to assets | 0.0410% | 3,288 |
| Net operating income to assets | 0.7261% | 3,841 |
| Return on assets (ROA) | 0.7261% | 3,909 |
| Pretax return on assets | 1.0652% | 3,439 |
| Return on Equity (ROE) | 7.2116% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.2116% | 1,583 |
| Net charge-offs to loans | -0.0609% | 5,225 |
| Credit loss provision to net charge-offs | -128.5714% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3956% | 3,468 |
| Assets per employee ($millions) | 6.2424% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 463 |
| Loan loss allowance to noncurrent loans | 41.4907% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.5791% | 404 |
| Noncurrent loans to loans | 5.1191% | 155 |
| Net loans and leases to total assets | 49.3128% | 4,749 |
| Net loans and leases to deposits | 54.7838% | 4,929 |
| Net loans and leases to core deposits | 56.9286% | 4,950 |
| Total domestic deposits to total assets | 90.0135% | 469 |
| Equity capital to assets | 9.7687% | 4,176 |
| Core capital (leverage) ratio | 10.2584% | 3,246 |
| Tier 1 risk-based capital ratio | 21.4631% | 1,121 |
| Total risk-based capital ratio | 22.7244% | 1,099 |
| Memoranda: | ||
| Average total assets | $58,577,000 | 5,049 |
| Average earning assets | $56,793,250 | 4,990 |
| Average equity | $5,897,750 | 5,171 |
| Average total loans | $30,680,750 | 5,057 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1677% | 5,281 |
| Cost of funding earning assets | 0.2484% | 4,555 |
| Net interest margin | 2.9193% | 5,061 |
| Noninterest income to average assets | 0.2967% | 4,415 |
| Noninterest expense to average assets | 2.0560% | 4,863 |
| Loan and lease loss provision to assets | 0.0628% | 2,716 |
| Net operating income to assets | 0.7226% | 3,745 |
| Return on assets (ROA) | 0.7226% | 3,817 |
| Pretax return on assets | 1.0088% | 3,532 |
| Return on Equity (ROE) | 7.1000% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.1000% | 1,546 |
| Net charge-offs to loans | -0.0855% | 5,366 |
| Credit loss provision to net charge-offs | -138.4615% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7366% | 3,396 |
| Assets per employee ($millions) | 5.5841% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 457 |
| Loan loss allowance to noncurrent loans | 41.1983% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.8993% | 329 |
| Noncurrent loans to loans | 5.2468% | 135 |
| Net loans and leases to total assets | 54.0642% | 4,383 |
| Net loans and leases to deposits | 62.0453% | 4,500 |
| Net loans and leases to core deposits | 64.8634% | 4,547 |
| Total domestic deposits to total assets | 87.1367% | 1,887 |
| Equity capital to assets | 10.7287% | 3,107 |
| Core capital (leverage) ratio | 10.6209% | 2,784 |
| Tier 1 risk-based capital ratio | 22.0806% | 1,043 |
| Total risk-based capital ratio | 23.3439% | 1,019 |
| Memoranda: | ||
| Average total assets | $57,294,670 | 5,114 |
| Average earning assets | $55,560,330 | 5,057 |
| Average equity | $5,831,000 | 5,214 |
| Average total loans | $30,424,000 | 5,098 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 5,303 |
| Cost of funding earning assets | 0.2426% | 4,601 |
| Net interest margin | 2.9107% | 5,067 |
| Noninterest income to average assets | 0.3033% | 4,390 |
| Noninterest expense to average assets | 2.0130% | 5,028 |
| Loan and lease loss provision to assets | 0.0552% | 2,703 |
| Net operating income to assets | 0.6825% | 3,777 |
| Return on assets (ROA) | 0.6825% | 3,815 |
| Pretax return on assets | 1.0479% | 3,174 |
| Return on Equity (ROE) | 6.8858% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.8858% | 1,894 |
| Net charge-offs to loans | -0.1457% | 5,557 |
| Credit loss provision to net charge-offs | -72.7273% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6018% | 3,723 |
| Assets per employee ($millions) | 5.7493% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 507 |
| Loan loss allowance to noncurrent loans | 56.4169% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.0194% | 652 |
| Noncurrent loans to loans | 3.8128% | 286 |
| Net loans and leases to total assets | 51.8237% | 4,531 |
| Net loans and leases to deposits | 57.7837% | 4,714 |
| Net loans and leases to core deposits | 60.2503% | 4,761 |
| Total domestic deposits to total assets | 89.6857% | 802 |
| Equity capital to assets | 10.1021% | 3,620 |
| Core capital (leverage) ratio | 10.1661% | 3,294 |
| Tier 1 risk-based capital ratio | 21.7037% | 1,121 |
| Total risk-based capital ratio | 22.9678% | 1,094 |
| Memoranda: | ||
| Average total assets | $58,021,500 | 5,152 |
| Average earning assets | $56,068,500 | 5,101 |
| Average equity | $5,751,000 | 5,275 |
| Average total loans | $30,207,500 | 5,149 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 5,156 |
| Cost of funding earning assets | 0.2213% | 4,820 |
| Net interest margin | 3.0811% | 4,773 |
| Noninterest income to average assets | 0.3342% | 4,346 |
| Noninterest expense to average assets | 2.0086% | 5,168 |
| Loan and lease loss provision to assets | 0.7130% | 166 |
| Net operating income to assets | 0.5806% | 4,292 |
| Return on assets (ROA) | 0.6326% | 4,185 |
| Pretax return on assets | 0.6523% | 4,651 |
| Return on Equity (ROE) | 6.1205% | 3,917 |
| Retained earnings to average equity (ytd only) | 2.6626% | 4,008 |
| Net charge-offs to loans | 0.5711% | 407 |
| Credit loss provision to net charge-offs | 244.7853% | 1,185 |
| Earnings coverage of net charge-offs (x) | 4.5031% | 3,487 |
| Efficiency ratio | 60.4952% | 4,505 |
| Assets per employee ($millions) | 5.8550% | 1,579 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 530 |
| Loan loss allowance to noncurrent loans | 53.0885% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.0461% | 662 |
| Noncurrent loans to loans | 3.9980% | 262 |
| Net loans and leases to total assets | 50.0922% | 4,758 |
| Net loans and leases to deposits | 55.7035% | 4,927 |
| Net loans and leases to core deposits | 58.0267% | 4,962 |
| Total domestic deposits to total assets | 89.9266% | 665 |
| Equity capital to assets | 9.7250% | 4,035 |
| Core capital (leverage) ratio | 9.5900% | 3,978 |
| Tier 1 risk-based capital ratio | 21.2184% | 1,172 |
| Total risk-based capital ratio | 22.4808% | 1,156 |
| Memoranda: | ||
| Average total assets | $55,959,200 | 5,232 |
| Average earning assets | $54,234,400 | 5,167 |
| Average equity | $5,783,800 | 5,315 |
| Average total loans | $28,540,000 | 5,246 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 5,198 |
| Cost of funding earning assets | 0.2137% | 4,939 |
| Net interest margin | 3.0992% | 4,780 |
| Noninterest income to average assets | 0.3375% | 4,369 |
| Noninterest expense to average assets | 2.0031% | 5,197 |
| Loan and lease loss provision to assets | 0.8606% | 122 |
| Net operating income to assets | 0.1080% | 5,616 |
| Return on assets (ROA) | 0.1543% | 5,607 |
| Pretax return on assets | 0.5520% | 4,997 |
| Return on Equity (ROE) | 1.4696% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.4696% | 4,925 |
| Net charge-offs to loans | 0.8089% | 220 |
| Credit loss provision to net charge-offs | 208.7719% | 1,397 |
| Earnings coverage of net charge-offs (x) | 3.2515% | 3,449 |
| Efficiency ratio | 59.9135% | 4,553 |
| Assets per employee ($millions) | 6.6150% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 693 |
| Loan loss allowance to noncurrent loans | 84.9493% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 1,729 |
| Noncurrent loans to loans | 2.3853% | 762 |
| Net loans and leases to total assets | 47.6728% | 4,981 |
| Net loans and leases to deposits | 53.0455% | 5,157 |
| Net loans and leases to core deposits | 55.2168% | 5,189 |
| Total domestic deposits to total assets | 89.8715% | 525 |
| Equity capital to assets | 9.7808% | 4,383 |
| Core capital (leverage) ratio | 9.9850% | 3,591 |
| Tier 1 risk-based capital ratio | 21.7178% | 1,167 |
| Total risk-based capital ratio | 22.9790% | 1,151 |
| Memoranda: | ||
| Average total assets | $55,311,500 | 5,286 |
| Average earning assets | $53,646,750 | 5,223 |
| Average equity | $5,806,250 | 5,368 |
| Average total loans | $28,183,750 | 5,308 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4037% | 5,073 |
| Cost of funding earning assets | 0.2061% | 5,082 |
| Net interest margin | 3.1977% | 4,548 |
| Noninterest income to average assets | 0.3447% | 4,316 |
| Noninterest expense to average assets | 2.0535% | 5,162 |
| Loan and lease loss provision to assets | 0.3595% | 452 |
| Net operating income to assets | 0.6748% | 3,934 |
| Return on assets (ROA) | 0.7302% | 3,809 |
| Pretax return on assets | 1.1231% | 3,111 |
| Return on Equity (ROE) | 6.7312% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.7312% | 1,748 |
| Net charge-offs to loans | 0.6088% | 340 |
| Credit loss provision to net charge-offs | 114.1176% | 1,924 |
| Earnings coverage of net charge-offs (x) | 4.4353% | 2,987 |
| Efficiency ratio | 59.5059% | 4,711 |
| Assets per employee ($millions) | 5.8940% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 2,083 |
| Loan loss allowance to noncurrent loans | 71.5278% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 1,950 |
| Noncurrent loans to loans | 2.0212% | 982 |
| Net loans and leases to total assets | 52.9465% | 4,595 |
| Net loans and leases to deposits | 60.8515% | 4,742 |
| Net loans and leases to core deposits | 63.7536% | 4,761 |
| Total domestic deposits to total assets | 87.0094% | 1,913 |
| Equity capital to assets | 11.2431% | 2,803 |
| Core capital (leverage) ratio | 10.7606% | 2,688 |
| Tier 1 risk-based capital ratio | 23.5868% | 951 |
| Total risk-based capital ratio | 24.8407% | 927 |
| Memoranda: | ||
| Average total assets | $53,956,670 | 5,372 |
| Average earning assets | $52,413,330 | 5,305 |
| Average equity | $5,853,330 | 5,414 |
| Average total loans | $27,922,000 | 5,377 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3675% | 5,191 |
| Cost of funding earning assets | 0.2043% | 5,158 |
| Net interest margin | 3.1632% | 4,695 |
| Noninterest income to average assets | 0.2720% | 4,788 |
| Noninterest expense to average assets | 2.1098% | 5,098 |
| Loan and lease loss provision to assets | 0.2646% | 642 |
| Net operating income to assets | 0.6860% | 3,784 |
| Return on assets (ROA) | 0.7278% | 3,697 |
| Pretax return on assets | 1.0292% | 3,368 |
| Return on Equity (ROE) | 6.8299% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.8299% | 1,966 |
| Net charge-offs to loans | 0.6803% | 316 |
| Credit loss provision to net charge-offs | 76.5957% | 1,859 |
| Earnings coverage of net charge-offs (x) | 3.5745% | 2,524 |
| Efficiency ratio | 63.0769% | 4,290 |
| Assets per employee ($millions) | 6.6575% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 2,443 |
| Loan loss allowance to noncurrent loans | 113.0814% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 3,117 |
| Noncurrent loans to loans | 1.2348% | 1,957 |
| Net loans and leases to total assets | 51.5753% | 4,669 |
| Net loans and leases to deposits | 58.5094% | 4,819 |
| Net loans and leases to core deposits | 59.6530% | 4,963 |
| Total domestic deposits to total assets | 88.1487% | 1,563 |
| Equity capital to assets | 10.9970% | 2,947 |
| Core capital (leverage) ratio | 10.5697% | 2,883 |
| Tier 1 risk-based capital ratio | 23.7257% | 946 |
| Total risk-based capital ratio | 24.9794% | 935 |
| Memoranda: | ||
| Average total assets | $54,412,000 | 5,411 |
| Average earning assets | $52,858,500 | 5,346 |
| Average equity | $5,798,000 | 5,452 |
| Average total loans | $27,634,000 | 5,428 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,352 |
| Cost of funding earning assets | 0.2313% | 5,001 |
| Net interest margin | 3.0662% | 4,989 |
| Noninterest income to average assets | 0.3068% | 4,691 |
| Noninterest expense to average assets | 2.0591% | 5,334 |
| Loan and lease loss provision to assets | 0.1624% | 1,416 |
| Net operating income to assets | 0.6722% | 3,942 |
| Return on assets (ROA) | 0.7219% | 3,804 |
| Pretax return on assets | 1.1297% | 2,923 |
| Return on Equity (ROE) | 6.9312% | 3,543 |
| Retained earnings to average equity (ytd only) | 2.5992% | 4,225 |
| Net charge-offs to loans | -0.0593% | 5,607 |
| Credit loss provision to net charge-offs | -600.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8997% | 4,462 |
| Assets per employee ($millions) | 5.5564% | 1,732 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 2,181 |
| Loan loss allowance to noncurrent loans | 99.5025% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 2,893 |
| Noncurrent loans to loans | 1.4666% | 1,590 |
| Net loans and leases to total assets | 48.6106% | 4,967 |
| Net loans and leases to deposits | 54.7737% | 5,117 |
| Net loans and leases to core deposits | 56.1212% | 5,197 |
| Total domestic deposits to total assets | 88.7481% | 1,257 |
| Equity capital to assets | 10.3286% | 3,596 |
| Core capital (leverage) ratio | 9.9388% | 3,598 |
| Tier 1 risk-based capital ratio | 23.2720% | 980 |
| Total risk-based capital ratio | 24.5235% | 969 |
| Memoranda: | ||
| Average total assets | $55,411,600 | 5,420 |
| Average earning assets | $53,616,000 | 5,349 |
| Average equity | $5,771,000 | 5,488 |
| Average total loans | $25,315,200 | 5,544 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,455 |
| Cost of funding earning assets | 0.2336% | 5,059 |
| Net interest margin | 3.0394% | 5,104 |
| Noninterest income to average assets | 0.2986% | 4,800 |
| Noninterest expense to average assets | 2.0418% | 5,394 |
| Loan and lease loss provision to assets | 0.1035% | 2,131 |
| Net operating income to assets | 0.7214% | 3,811 |
| Return on assets (ROA) | 0.7898% | 3,566 |
| Pretax return on assets | 1.2015% | 2,816 |
| Return on Equity (ROE) | 7.5674% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.5674% | 1,421 |
| Net charge-offs to loans | -0.0860% | 5,733 |
| Credit loss provision to net charge-offs | -268.7500% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9547% | 4,408 |
| Assets per employee ($millions) | 6.3348% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,766 |
| Loan loss allowance to noncurrent loans | 134.7328% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 3,955 |
| Noncurrent loans to loans | 1.0125% | 2,453 |
| Net loans and leases to total assets | 44.7687% | 5,306 |
| Net loans and leases to deposits | 50.2471% | 5,463 |
| Net loans and leases to core deposits | 51.4452% | 5,524 |
| Total domestic deposits to total assets | 89.0972% | 978 |
| Equity capital to assets | 10.4327% | 3,667 |
| Core capital (leverage) ratio | 10.3887% | 3,173 |
| Tier 1 risk-based capital ratio | 24.0584% | 944 |
| Total risk-based capital ratio | 25.3084% | 929 |
| Memoranda: | ||
| Average total assets | $55,373,500 | 5,493 |
| Average earning assets | $53,650,500 | 5,415 |
| Average equity | $5,779,000 | 5,560 |
| Average total loans | $24,791,500 | 5,630 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3180% | 5,405 |
| Cost of funding earning assets | 0.2370% | 5,085 |
| Net interest margin | 3.0810% | 5,014 |
| Noninterest income to average assets | 0.2918% | 4,876 |
| Noninterest expense to average assets | 2.0756% | 5,386 |
| Loan and lease loss provision to assets | 0.0875% | 2,359 |
| Net operating income to assets | 0.7391% | 3,693 |
| Return on assets (ROA) | 0.8427% | 3,266 |
| Pretax return on assets | 1.2731% | 2,458 |
| Return on Equity (ROE) | 8.0732% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.0732% | 1,236 |
| Net charge-offs to loans | -0.1310% | 5,878 |
| Credit loss provision to net charge-offs | -150.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2925% | 4,469 |
| Assets per employee ($millions) | 5.2428% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,885 |
| Loan loss allowance to noncurrent loans | 42.7296% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 1,652 |
| Noncurrent loans to loans | 3.2117% | 583 |
| Net loans and leases to total assets | 45.9220% | 5,249 |
| Net loans and leases to deposits | 52.3141% | 5,363 |
| Net loans and leases to core deposits | 53.6931% | 5,441 |
| Total domestic deposits to total assets | 87.7813% | 1,761 |
| Equity capital to assets | 11.1028% | 2,776 |
| Core capital (leverage) ratio | 10.4738% | 2,997 |
| Tier 1 risk-based capital ratio | 25.2666% | 835 |
| Total risk-based capital ratio | 26.5180% | 824 |
| Memoranda: | ||
| Average total assets | $54,827,000 | 5,567 |
| Average earning assets | $53,164,330 | 5,484 |
| Average equity | $5,722,670 | 5,622 |
| Average total loans | $24,429,670 | 5,691 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,377 |
| Cost of funding earning assets | 0.2453% | 5,073 |
| Net interest margin | 3.0843% | 4,996 |
| Noninterest income to average assets | 0.2856% | 4,886 |
| Noninterest expense to average assets | 2.0490% | 5,487 |
| Loan and lease loss provision to assets | 0.1571% | 1,294 |
| Net operating income to assets | 0.6634% | 3,986 |
| Return on assets (ROA) | 0.7639% | 3,593 |
| Pretax return on assets | 1.1994% | 2,671 |
| Return on Equity (ROE) | 7.5438% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.5438% | 1,745 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0769% | 4,620 |
| Assets per employee ($millions) | 5.5548% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 3,495 |
| Loan loss allowance to noncurrent loans | 43.3060% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 2,018 |
| Noncurrent loans to loans | 2.9634% | 746 |
| Net loans and leases to total assets | 43.8972% | 5,357 |
| Net loans and leases to deposits | 49.2596% | 5,504 |
| Net loans and leases to core deposits | 50.4636% | 5,571 |
| Total domestic deposits to total assets | 89.1139% | 1,194 |
| Equity capital to assets | 10.3244% | 3,750 |
| Core capital (leverage) ratio | 10.0130% | 3,580 |
| Tier 1 risk-based capital ratio | 24.2593% | 968 |
| Total risk-based capital ratio | 25.5093% | 952 |
| Memoranda: | ||
| Average total assets | $56,026,500 | 5,587 |
| Average earning assets | $53,821,500 | 5,518 |
| Average equity | $5,673,500 | 5,685 |
| Average total loans | $24,439,000 | 5,735 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1798% | 5,859 |
| Cost of funding earning assets | 0.2512% | 5,309 |
| Net interest margin | 2.9286% | 5,586 |
| Noninterest income to average assets | 0.2768% | 5,133 |
| Noninterest expense to average assets | 1.9104% | 5,918 |
| Loan and lease loss provision to assets | 0.1013% | 2,467 |
| Net operating income to assets | 0.7130% | 3,824 |
| Return on assets (ROA) | 0.7426% | 3,767 |
| Pretax return on assets | 1.1442% | 2,902 |
| Return on Equity (ROE) | 7.7331% | 3,254 |
| Retained earnings to average equity (ytd only) | 3.3393% | 3,843 |
| Net charge-offs to loans | 0.0085% | 4,751 |
| Credit loss provision to net charge-offs | 3,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 355.5000% | 152 |
| Efficiency ratio | 61.4216% | 5,005 |
| Assets per employee ($millions) | 6.2904% | 1,189 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,386 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,580 |
| Noncurrent loans to loans | 0.2643% | 4,893 |
| Net loans and leases to total assets | 42.3764% | 5,589 |
| Net loans and leases to deposits | 47.5889% | 5,707 |
| Net loans and leases to core deposits | 48.7295% | 5,777 |
| Total domestic deposits to total assets | 89.0469% | 1,215 |
| Equity capital to assets | 10.1053% | 3,979 |
| Core capital (leverage) ratio | 9.6814% | 3,999 |
| Tier 1 risk-based capital ratio | 24.2210% | 927 |
| Total risk-based capital ratio | 25.1877% | 941 |
| Memoranda: | ||
| Average total assets | $59,253,200 | 5,565 |
| Average earning assets | $57,331,400 | 5,473 |
| Average equity | $5,689,800 | 5,694 |
| Average total loans | $23,613,600 | 5,835 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1365% | 5,972 |
| Cost of funding earning assets | 0.2547% | 5,357 |
| Net interest margin | 2.8818% | 5,741 |
| Noninterest income to average assets | 0.2671% | 5,294 |
| Noninterest expense to average assets | 1.8248% | 6,058 |
| Loan and lease loss provision to assets | 0.0712% | 2,922 |
| Net operating income to assets | 0.7644% | 3,599 |
| Return on assets (ROA) | 0.8011% | 3,517 |
| Pretax return on assets | 1.2217% | 2,697 |
| Return on Equity (ROE) | 8.4476% | 2,968 |
| Retained earnings to average equity (ytd only) | 8.4476% | 1,170 |
| Net charge-offs to loans | 0.0114% | 4,340 |
| Credit loss provision to net charge-offs | 1,600.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 277.6442% | 244 |
| Efficiency ratio | 59.5930% | 5,244 |
| Assets per employee ($millions) | 4.5050% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 5,812 |
| Loan loss allowance to noncurrent loans | 69.0141% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 4,432 |
| Noncurrent loans to loans | 1.1950% | 2,660 |
| Net loans and leases to total assets | 40.2459% | 5,798 |
| Net loans and leases to deposits | 44.9440% | 5,926 |
| Net loans and leases to core deposits | 45.9777% | 5,959 |
| Total domestic deposits to total assets | 89.5467% | 962 |
| Equity capital to assets | 10.0265% | 4,131 |
| Core capital (leverage) ratio | 9.8693% | 3,855 |
| Tier 1 risk-based capital ratio | 24.2391% | 963 |
| Total risk-based capital ratio | 25.0608% | 993 |
| Memoranda: | ||
| Average total assets | $59,913,000 | 5,611 |
| Average earning assets | $58,110,000 | 5,507 |
| Average equity | $5,682,000 | 5,749 |
| Average total loans | $23,463,250 | 5,903 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0976% | 6,065 |
| Cost of funding earning assets | 0.2556% | 5,426 |
| Net interest margin | 2.8421% | 5,832 |
| Noninterest income to average assets | 0.2518% | 5,397 |
| Noninterest expense to average assets | 1.8323% | 6,098 |
| Loan and lease loss provision to assets | 0.0232% | 3,809 |
| Net operating income to assets | 0.7761% | 3,446 |
| Return on assets (ROA) | 0.8316% | 3,264 |
| Pretax return on assets | 1.2425% | 2,490 |
| Return on Equity (ROE) | 8.9345% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.9345% | 1,010 |
| Net charge-offs to loans | 0.0342% | 3,524 |
| Credit loss provision to net charge-offs | 175.0000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 602 |
| Efficiency ratio | 60.7692% | 5,179 |
| Assets per employee ($millions) | 4.4297% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 6,146 |
| Loan loss allowance to noncurrent loans | 384.0909% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,948 |
| Noncurrent loans to loans | 0.1865% | 5,454 |
| Net loans and leases to total assets | 40.6748% | 5,770 |
| Net loans and leases to deposits | 45.4374% | 5,911 |
| Net loans and leases to core deposits | 46.5000% | 5,973 |
| Total domestic deposits to total assets | 89.5183% | 1,079 |
| Equity capital to assets | 10.0372% | 4,054 |
| Core capital (leverage) ratio | 9.5316% | 4,280 |
| Tier 1 risk-based capital ratio | 24.2260% | 956 |
| Total risk-based capital ratio | 24.9477% | 1,000 |
| Memoranda: | ||
| Average total assets | $60,362,330 | 5,650 |
| Average earning assets | $58,690,000 | 5,540 |
| Average equity | $5,618,670 | 5,801 |
| Average total loans | $23,362,330 | 5,955 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0441% | 6,195 |
| Cost of funding earning assets | 0.2598% | 5,495 |
| Net interest margin | 2.7843% | 5,965 |
| Noninterest income to average assets | 0.2267% | 5,538 |
| Noninterest expense to average assets | 1.7619% | 6,266 |
| Loan and lease loss provision to assets | 0.0130% | 3,657 |
| Net operating income to assets | 0.7579% | 3,365 |
| Return on assets (ROA) | 0.7579% | 3,453 |
| Pretax return on assets | 1.1595% | 2,659 |
| Return on Equity (ROE) | 8.4507% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.4507% | 1,434 |
| Net charge-offs to loans | 0.0860% | 2,292 |
| Credit loss provision to net charge-offs | 40.0000% | 2,299 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 934 |
| Efficiency ratio | 60.0442% | 5,402 |
| Assets per employee ($millions) | 4.7516% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 6,285 |
| Loan loss allowance to noncurrent loans | 370.4545% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 6,048 |
| Noncurrent loans to loans | 0.1884% | 5,532 |
| Net loans and leases to total assets | 37.5403% | 5,975 |
| Net loans and leases to deposits | 41.4459% | 6,107 |
| Net loans and leases to core deposits | 42.3366% | 6,147 |
| Total domestic deposits to total assets | 90.5765% | 756 |
| Equity capital to assets | 9.0447% | 5,066 |
| Core capital (leverage) ratio | 8.8627% | 5,184 |
| Tier 1 risk-based capital ratio | 22.6359% | 1,185 |
| Total risk-based capital ratio | 23.3061% | 1,262 |
| Memoranda: | ||
| Average total assets | $61,750,500 | 5,666 |
| Average earning assets | $60,050,000 | 5,561 |
| Average equity | $5,538,000 | 5,854 |
| Average total loans | $23,247,500 | 6,012 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2486% | 6,076 |
| Cost of funding earning assets | 0.2883% | 5,683 |
| Net interest margin | 2.9603% | 5,661 |
| Noninterest income to average assets | 0.2989% | 5,212 |
| Noninterest expense to average assets | 1.9536% | 6,102 |
| Loan and lease loss provision to assets | 0.0587% | 3,965 |
| Net operating income to assets | 0.7633% | 3,481 |
| Return on assets (ROA) | 0.7633% | 3,575 |
| Pretax return on assets | 1.1547% | 2,756 |
| Return on Equity (ROE) | 7.8350% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.1823% | 3,199 |
| Net charge-offs to loans | 0.1027% | 3,802 |
| Credit loss provision to net charge-offs | 137.5000% | 1,703 |
| Earnings coverage of net charge-offs (x) | 28.4167% | 1,238 |
| Efficiency ratio | 61.6854% | 5,262 |
| Assets per employee ($millions) | 4.7485% | 2,514 |
| Cash dividends to net income (ytd only)* | 46.6200% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 6,320 |
| Loan loss allowance to noncurrent loans | 395.2381% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 6,149 |
| Noncurrent loans to loans | 0.1815% | 5,660 |
| Net loans and leases to total assets | 37.2218% | 6,145 |
| Net loans and leases to deposits | 41.1774% | 6,265 |
| Net loans and leases to core deposits | 42.0639% | 6,304 |
| Total domestic deposits to total assets | 90.3936% | 878 |
| Equity capital to assets | 8.8919% | 5,155 |
| Core capital (leverage) ratio | 9.3096% | 4,533 |
| Tier 1 risk-based capital ratio | 22.0281% | 1,255 |
| Total risk-based capital ratio | 22.7025% | 1,325 |
| Memoranda: | ||
| Average total assets | $56,203,400 | 5,860 |
| Average earning assets | $54,454,200 | 5,749 |
| Average equity | $5,475,400 | 5,938 |
| Average total loans | $23,376,400 | 6,064 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 6,018 |
| Cost of funding earning assets | 0.2945% | 5,775 |
| Net interest margin | 3.0281% | 5,526 |
| Noninterest income to average assets | 0.2943% | 5,344 |
| Noninterest expense to average assets | 1.9602% | 6,082 |
| Loan and lease loss provision to assets | 0.0803% | 3,454 |
| Net operating income to assets | 0.7758% | 3,481 |
| Return on assets (ROA) | 0.7758% | 3,608 |
| Pretax return on assets | 1.1796% | 2,785 |
| Return on Equity (ROE) | 7.7727% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.7727% | 1,516 |
| Net charge-offs to loans | 0.1024% | 3,516 |
| Credit loss provision to net charge-offs | 183.3333% | 1,321 |
| Earnings coverage of net charge-offs (x) | 28.7771% | 1,270 |
| Efficiency ratio | 60.8761% | 5,300 |
| Assets per employee ($millions) | 4.3008% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 6,414 |
| Loan loss allowance to noncurrent loans | 63.9405% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 4,988 |
| Noncurrent loans to loans | 1.1278% | 3,548 |
| Net loans and leases to total assets | 42.3530% | 5,875 |
| Net loans and leases to deposits | 47.3203% | 6,008 |
| Net loans and leases to core deposits | 48.4581% | 6,098 |
| Total domestic deposits to total assets | 89.5030% | 1,296 |
| Equity capital to assets | 9.9927% | 3,909 |
| Core capital (leverage) ratio | 10.0220% | 3,651 |
| Tier 1 risk-based capital ratio | 22.7333% | 1,193 |
| Total risk-based capital ratio | 23.4428% | 1,264 |
| Memoranda: | ||
| Average total assets | $54,821,750 | 5,967 |
| Average earning assets | $52,969,000 | 5,868 |
| Average equity | $5,472,000 | 6,011 |
| Average total loans | $23,434,750 | 6,120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3534% | 6,000 |
| Cost of funding earning assets | 0.2969% | 5,852 |
| Net interest margin | 3.0565% | 5,407 |
| Noninterest income to average assets | 0.2791% | 5,458 |
| Noninterest expense to average assets | 1.9501% | 6,131 |
| Loan and lease loss provision to assets | 0.1212% | 2,806 |
| Net operating income to assets | 0.5545% | 4,532 |
| Return on assets (ROA) | 0.5545% | 4,705 |
| Pretax return on assets | 1.1568% | 2,857 |
| Return on Equity (ROE) | 5.5579% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.5579% | 2,698 |
| Net charge-offs to loans | 0.0343% | 4,207 |
| Credit loss provision to net charge-offs | 825.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 526 |
| Efficiency ratio | 60.4096% | 5,422 |
| Assets per employee ($millions) | 4.0812% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 6,380 |
| Loan loss allowance to noncurrent loans | 47.4490% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 4,365 |
| Noncurrent loans to loans | 1.6574% | 2,827 |
| Net loans and leases to total assets | 44.2269% | 5,720 |
| Net loans and leases to deposits | 49.6477% | 5,871 |
| Net loans and leases to core deposits | 50.9124% | 5,970 |
| Total domestic deposits to total assets | 89.0813% | 1,583 |
| Equity capital to assets | 10.2590% | 3,586 |
| Core capital (leverage) ratio | 9.9927% | 3,536 |
| Tier 1 risk-based capital ratio | 22.7905% | 1,166 |
| Total risk-based capital ratio | 23.5839% | 1,209 |
| Memoranda: | ||
| Average total assets | $54,458,670 | 6,010 |
| Average earning assets | $52,543,670 | 5,921 |
| Average equity | $5,433,670 | 6,066 |
| Average total loans | $23,295,670 | 6,163 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 6,033 |
| Cost of funding earning assets | 0.3081% | 5,911 |
| Net interest margin | 3.0507% | 5,430 |
| Noninterest income to average assets | 0.2611% | 5,594 |
| Noninterest expense to average assets | 2.0087% | 6,089 |
| Loan and lease loss provision to assets | 0.0508% | 3,771 |
| Net operating income to assets | 0.7179% | 3,604 |
| Return on assets (ROA) | 0.7179% | 3,741 |
| Pretax return on assets | 1.1458% | 2,786 |
| Return on Equity (ROE) | 7.2942% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.2942% | 2,029 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6697% | 5,208 |
| Assets per employee ($millions) | 4.1300% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 6,571 |
| Loan loss allowance to noncurrent loans | 57.3427% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 5,063 |
| Noncurrent loans to loans | 1.2483% | 3,690 |
| Net loans and leases to total assets | 42.3692% | 5,818 |
| Net loans and leases to deposits | 47.6059% | 5,952 |
| Net loans and leases to core deposits | 48.8039% | 6,050 |
| Total domestic deposits to total assets | 88.9998% | 1,683 |
| Equity capital to assets | 10.1881% | 3,918 |
| Core capital (leverage) ratio | 9.5420% | 4,012 |
| Tier 1 risk-based capital ratio | 22.4967% | 1,240 |
| Total risk-based capital ratio | 23.2036% | 1,315 |
| Memoranda: | ||
| Average total assets | $55,160,000 | 6,042 |
| Average earning assets | $53,233,500 | 5,930 |
| Average equity | $5,429,000 | 6,132 |
| Average total loans | $23,118,000 | 6,213 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 6,179 |
| Cost of funding earning assets | 0.3548% | 6,181 |
| Net interest margin | 3.2699% | 5,359 |
| Noninterest income to average assets | 0.3067% | 5,253 |
| Noninterest expense to average assets | 2.0755% | 6,176 |
| Loan and lease loss provision to assets | 0.1168% | 4,166 |
| Net operating income to assets | 0.7502% | 3,513 |
| Return on assets (ROA) | 0.7502% | 3,754 |
| Pretax return on assets | 1.2431% | 2,626 |
| Return on Equity (ROE) | 7.6588% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.4660% | 3,782 |
| Net charge-offs to loans | 0.1114% | 4,559 |
| Credit loss provision to net charge-offs | 246.1538% | 1,001 |
| Earnings coverage of net charge-offs (x) | 28.6538% | 1,037 |
| Efficiency ratio | 60.4145% | 5,486 |
| Assets per employee ($millions) | 4.3562% | 3,244 |
| Cash dividends to net income (ytd only)* | 54.7445% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 6,666 |
| Loan loss allowance to noncurrent loans | 60.3846% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 5,333 |
| Noncurrent loans to loans | 1.1147% | 3,982 |
| Net loans and leases to total assets | 40.9094% | 6,103 |
| Net loans and leases to deposits | 45.8136% | 6,261 |
| Net loans and leases to core deposits | 46.9006% | 6,331 |
| Total domestic deposits to total assets | 89.2954% | 1,376 |
| Equity capital to assets | 9.5144% | 4,856 |
| Core capital (leverage) ratio | 8.8452% | 5,103 |
| Tier 1 risk-based capital ratio | 21.2111% | 1,416 |
| Total risk-based capital ratio | 21.8614% | 1,513 |
| Memoranda: | ||
| Average total assets | $54,782,400 | 6,054 |
| Average earning assets | $52,417,200 | 5,970 |
| Average equity | $5,366,400 | 6,189 |
| Average total loans | $23,341,200 | 6,275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 6,264 |
| Cost of funding earning assets | 0.3625% | 6,317 |
| Net interest margin | 3.3135% | 5,344 |
| Noninterest income to average assets | 0.3117% | 5,292 |
| Noninterest expense to average assets | 2.0618% | 6,240 |
| Loan and lease loss provision to assets | 0.1522% | 3,632 |
| Net operating income to assets | 0.7511% | 3,688 |
| Return on assets (ROA) | 0.7511% | 3,940 |
| Pretax return on assets | 1.2616% | 2,745 |
| Return on Equity (ROE) | 7.6103% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.6103% | 1,790 |
| Net charge-offs to loans | 0.1428% | 3,971 |
| Credit loss provision to net charge-offs | 248.0000% | 1,119 |
| Earnings coverage of net charge-offs (x) | 23.0417% | 1,329 |
| Efficiency ratio | 59.3220% | 5,608 |
| Assets per employee ($millions) | 4.4448% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 6,792 |
| Loan loss allowance to noncurrent loans | 39.0977% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 4,963 |
| Noncurrent loans to loans | 1.6913% | 3,254 |
| Net loans and leases to total assets | 40.5569% | 6,239 |
| Net loans and leases to deposits | 45.2527% | 6,438 |
| Net loans and leases to core deposits | 46.5294% | 6,488 |
| Total domestic deposits to total assets | 89.6232% | 1,058 |
| Equity capital to assets | 9.6014% | 5,057 |
| Core capital (leverage) ratio | 9.4779% | 4,304 |
| Tier 1 risk-based capital ratio | 21.6044% | 1,400 |
| Total risk-based capital ratio | 22.2474% | 1,491 |
| Memoranda: | ||
| Average total assets | $54,320,500 | 6,141 |
| Average earning assets | $51,866,500 | 6,055 |
| Average equity | $5,361,000 | 6,256 |
| Average total loans | $23,345,500 | 6,363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 6,188 |
| Cost of funding earning assets | 0.3761% | 6,398 |
| Net interest margin | 3.4050% | 5,060 |
| Noninterest income to average assets | 0.3085% | 5,348 |
| Noninterest expense to average assets | 2.1104% | 6,211 |
| Loan and lease loss provision to assets | 0.2408% | 2,656 |
| Net operating income to assets | 0.6846% | 3,950 |
| Return on assets (ROA) | 0.6846% | 4,208 |
| Pretax return on assets | 1.1925% | 2,954 |
| Return on Equity (ROE) | 6.8696% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.8696% | 2,175 |
| Net charge-offs to loans | 0.1805% | 3,511 |
| Credit loss provision to net charge-offs | 304.7619% | 960 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,499 |
| Efficiency ratio | 59.5541% | 5,646 |
| Assets per employee ($millions) | 4.2039% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 6,835 |
| Loan loss allowance to noncurrent loans | 58.0071% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 5,347 |
| Noncurrent loans to loans | 1.1940% | 4,160 |
| Net loans and leases to total assets | 42.7641% | 6,124 |
| Net loans and leases to deposits | 47.8483% | 6,321 |
| Net loans and leases to core deposits | 49.0020% | 6,401 |
| Total domestic deposits to total assets | 89.3744% | 1,291 |
| Equity capital to assets | 9.8772% | 4,511 |
| Core capital (leverage) ratio | 9.2192% | 4,580 |
| Tier 1 risk-based capital ratio | 21.9444% | 1,304 |
| Total risk-based capital ratio | 22.6435% | 1,386 |
| Memoranda: | ||
| Average total assets | $53,166,330 | 6,220 |
| Average earning assets | $50,514,000 | 6,138 |
| Average equity | $5,298,670 | 6,304 |
| Average total loans | $23,263,670 | 6,404 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 6,481 |
| Cost of funding earning assets | 0.3818% | 6,498 |
| Net interest margin | 3.2932% | 5,498 |
| Noninterest income to average assets | 0.2899% | 5,550 |
| Noninterest expense to average assets | 2.1288% | 6,206 |
| Loan and lease loss provision to assets | 0.4349% | 1,439 |
| Net operating income to assets | 0.4197% | 5,167 |
| Return on assets (ROA) | 0.4197% | 5,361 |
| Pretax return on assets | 0.8851% | 4,085 |
| Return on Equity (ROE) | 4.1913% | 5,204 |
| Retained earnings to average equity (ytd only) | 4.1913% | 4,075 |
| Net charge-offs to loans | 0.1038% | 3,509 |
| Credit loss provision to net charge-offs | 950.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 953 |
| Efficiency ratio | 61.7257% | 5,322 |
| Assets per employee ($millions) | 4.0223% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 6,838 |
| Loan loss allowance to noncurrent loans | 57.4324% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 4,976 |
| Noncurrent loans to loans | 1.2747% | 4,198 |
| Net loans and leases to total assets | 44.0830% | 5,999 |
| Net loans and leases to deposits | 49.5124% | 6,179 |
| Net loans and leases to core deposits | 50.7687% | 6,290 |
| Total domestic deposits to total assets | 89.0342% | 1,677 |
| Equity capital to assets | 10.1128% | 3,979 |
| Core capital (leverage) ratio | 9.4511% | 4,115 |
| Tier 1 risk-based capital ratio | 22.6304% | 1,188 |
| Total risk-based capital ratio | 23.4014% | 1,237 |
| Memoranda: | ||
| Average total assets | $52,424,000 | 6,292 |
| Average earning assets | $50,285,500 | 6,184 |
| Average equity | $5,249,000 | 6,347 |
| Average total loans | $23,128,500 | 6,457 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6970% | 6,853 |
| Cost of funding earning assets | 0.5777% | 6,203 |
| Net interest margin | 3.1194% | 6,297 |
| Noninterest income to average assets | 0.3383% | 5,110 |
| Noninterest expense to average assets | 2.2208% | 6,224 |
| Loan and lease loss provision to assets | 0.0707% | 5,733 |
| Net operating income to assets | 0.6555% | 3,718 |
| Return on assets (ROA) | 0.6555% | 3,909 |
| Pretax return on assets | 1.0397% | 3,084 |
| Return on Equity (ROE) | 6.5891% | 3,597 |
| Retained earnings to average equity (ytd only) | 2.2668% | 4,597 |
| Net charge-offs to loans | 0.0963% | 5,384 |
| Credit loss provision to net charge-offs | 176.1905% | 1,491 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 896 |
| Efficiency ratio | 66.6667% | 4,628 |
| Assets per employee ($millions) | 4.0429% | 3,758 |
| Cash dividends to net income (ytd only)* | 65.5977% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 7,093 |
| Loan loss allowance to noncurrent loans | 80.4054% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,721 |
| Noncurrent loans to loans | 0.6425% | 5,422 |
| Net loans and leases to total assets | 43.6033% | 6,247 |
| Net loans and leases to deposits | 49.0728% | 6,429 |
| Net loans and leases to core deposits | 50.3140% | 6,515 |
| Total domestic deposits to total assets | 88.8542% | 1,631 |
| Equity capital to assets | 9.9129% | 4,287 |
| Core capital (leverage) ratio | 9.0406% | 4,709 |
| Tier 1 risk-based capital ratio | 22.1885% | 1,212 |
| Total risk-based capital ratio | 22.7273% | 1,293 |
| Memoranda: | ||
| Average total assets | $52,323,400 | 6,294 |
| Average earning assets | $50,202,600 | 6,183 |
| Average equity | $5,205,600 | 6,383 |
| Average total loans | $21,800,400 | 6,569 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 6,945 |
| Cost of funding earning assets | 0.6193% | 6,191 |
| Net interest margin | 3.0670% | 6,455 |
| Noninterest income to average assets | 0.3393% | 5,142 |
| Noninterest expense to average assets | 2.1837% | 6,313 |
| Loan and lease loss provision to assets | 0.0383% | 5,962 |
| Net operating income to assets | 0.6684% | 3,779 |
| Return on assets (ROA) | 0.6684% | 3,951 |
| Pretax return on assets | 1.0612% | 3,162 |
| Return on Equity (ROE) | 6.7119% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.7119% | 2,125 |
| Net charge-offs to loans | 0.1179% | 4,845 |
| Credit loss provision to net charge-offs | 78.9474% | 4,171 |
| Earnings coverage of net charge-offs (x) | 22.6865% | 1,144 |
| Efficiency ratio | 66.5113% | 4,619 |
| Assets per employee ($millions) | 4.1978% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4608% | 7,186 |
| Loan loss allowance to noncurrent loans | 55.3073% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,308 |
| Noncurrent loans to loans | 0.8332% | 5,206 |
| Net loans and leases to total assets | 39.1856% | 6,698 |
| Net loans and leases to deposits | 43.8727% | 6,843 |
| Net loans and leases to core deposits | 46.2037% | 6,837 |
| Total domestic deposits to total assets | 89.3167% | 1,244 |
| Equity capital to assets | 9.8624% | 4,531 |
| Core capital (leverage) ratio | 9.5388% | 4,099 |
| Tier 1 risk-based capital ratio | 23.0155% | 1,145 |
| Total risk-based capital ratio | 23.4672% | 1,228 |
| Memoranda: | ||
| Average total assets | $52,264,750 | 6,347 |
| Average earning assets | $50,167,000 | 6,237 |
| Average equity | $5,204,500 | 6,436 |
| Average total loans | $21,491,500 | 6,648 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 6,940 |
| Cost of funding earning assets | 0.6568% | 6,194 |
| Net interest margin | 3.1257% | 6,355 |
| Noninterest income to average assets | 0.3301% | 5,253 |
| Noninterest expense to average assets | 2.2332% | 6,296 |
| Loan and lease loss provision to assets | 0.0544% | 5,637 |
| Net operating income to assets | 0.6564% | 3,765 |
| Return on assets (ROA) | 0.6564% | 3,890 |
| Pretax return on assets | 1.0370% | 3,088 |
| Return on Equity (ROE) | 6.5691% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.5691% | 2,099 |
| Net charge-offs to loans | -0.0930% | 7,150 |
| Credit loss provision to net charge-offs | -140.0000% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1729% | 4,668 |
| Assets per employee ($millions) | 3.9408% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 7,160 |
| Loan loss allowance to noncurrent loans | 31.3580% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 4,846 |
| Noncurrent loans to loans | 1.8587% | 3,668 |
| Net loans and leases to total assets | 42.2858% | 6,570 |
| Net loans and leases to deposits | 47.5995% | 6,749 |
| Net loans and leases to core deposits | 50.3100% | 6,747 |
| Total domestic deposits to total assets | 88.8366% | 1,642 |
| Equity capital to assets | 10.3065% | 3,743 |
| Core capital (leverage) ratio | 9.6879% | 3,677 |
| Tier 1 risk-based capital ratio | 23.1647% | 1,094 |
| Total risk-based capital ratio | 23.7589% | 1,166 |
| Memoranda: | ||
| Average total assets | $51,496,000 | 6,432 |
| Average earning assets | $49,333,000 | 6,323 |
| Average equity | $5,145,330 | 6,484 |
| Average total loans | $21,494,330 | 6,722 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 7,029 |
| Cost of funding earning assets | 0.6693% | 6,300 |
| Net interest margin | 3.0642% | 6,433 |
| Noninterest income to average assets | 0.3022% | 5,502 |
| Noninterest expense to average assets | 2.2313% | 6,356 |
| Loan and lease loss provision to assets | 0.1085% | 4,656 |
| Net operating income to assets | 0.5811% | 4,128 |
| Return on assets (ROA) | 0.5811% | 4,197 |
| Pretax return on assets | 0.9065% | 3,470 |
| Return on Equity (ROE) | 5.9078% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.9078% | 2,696 |
| Net charge-offs to loans | -0.1874% | 7,247 |
| Credit loss provision to net charge-offs | -140.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7351% | 4,518 |
| Assets per employee ($millions) | 3.9430% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 7,210 |
| Loan loss allowance to noncurrent loans | 17.6880% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 4,071 |
| Noncurrent loans to loans | 3.3562% | 2,230 |
| Net loans and leases to total assets | 41.4873% | 6,672 |
| Net loans and leases to deposits | 46.5594% | 6,817 |
| Net loans and leases to core deposits | 49.5353% | 6,800 |
| Total domestic deposits to total assets | 89.1063% | 1,710 |
| Equity capital to assets | 10.0158% | 3,754 |
| Core capital (leverage) ratio | 9.3486% | 4,055 |
| Tier 1 risk-based capital ratio | 22.7904% | 1,113 |
| Total risk-based capital ratio | 23.3862% | 1,180 |
| Memoranda: | ||
| Average total assets | $51,629,000 | 6,473 |
| Average earning assets | $49,605,000 | 6,351 |
| Average equity | $5,078,000 | 6,528 |
| Average total loans | $21,346,500 | 6,779 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 7,254 |
| Cost of funding earning assets | 1.0092% | 5,648 |
| Net interest margin | 2.7869% | 7,045 |
| Noninterest income to average assets | 0.3456% | 5,329 |
| Noninterest expense to average assets | 2.2276% | 6,547 |
| Loan and lease loss provision to assets | 0.1177% | 5,982 |
| Net operating income to assets | 0.4535% | 4,299 |
| Return on assets (ROA) | 0.4805% | 4,345 |
| Pretax return on assets | 0.6761% | 4,063 |
| Return on Equity (ROE) | 5.0320% | 4,059 |
| Retained earnings to average equity (ytd only) | 2.0486% | 4,440 |
| Net charge-offs to loans | 0.3014% | 4,508 |
| Credit loss provision to net charge-offs | 101.6393% | 4,461 |
| Earnings coverage of net charge-offs (x) | 6.5246% | 2,334 |
| Efficiency ratio | 74.6658% | 3,264 |
| Assets per employee ($millions) | 3.9999% | 3,786 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4836% | 7,368 |
| Loan loss allowance to noncurrent loans | 14.3056% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 4,271 |
| Noncurrent loans to loans | 3.3803% | 2,248 |
| Net loans and leases to total assets | 40.7642% | 6,920 |
| Net loans and leases to deposits | 46.3241% | 7,028 |
| Net loans and leases to core deposits | 49.6184% | 6,995 |
| Total domestic deposits to total assets | 87.9978% | 2,252 |
| Equity capital to assets | 9.6579% | 4,205 |
| Core capital (leverage) ratio | 8.9284% | 4,649 |
| Tier 1 risk-based capital ratio | 22.1172% | 1,158 |
| Total risk-based capital ratio | 22.5944% | 1,242 |
| Memoranda: | ||
| Average total assets | $52,657,800 | 6,439 |
| Average earning assets | $49,840,000 | 6,374 |
| Average equity | $5,027,800 | 6,656 |
| Average total loans | $20,236,600 | 6,911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 7,399 |
| Cost of funding earning assets | 1.0678% | 5,603 |
| Net interest margin | 2.7351% | 7,196 |
| Noninterest income to average assets | 0.3458% | 5,401 |
| Noninterest expense to average assets | 2.2111% | 6,573 |
| Loan and lease loss provision to assets | 0.1212% | 5,816 |
| Net operating income to assets | 0.4306% | 4,624 |
| Return on assets (ROA) | 0.4619% | 4,665 |
| Pretax return on assets | 0.6361% | 4,466 |
| Return on Equity (ROE) | 4.8514% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.8514% | 3,081 |
| Net charge-offs to loans | 0.3071% | 4,126 |
| Credit loss provision to net charge-offs | 104.3478% | 4,113 |
| Earnings coverage of net charge-offs (x) | 6.1523% | 2,587 |
| Efficiency ratio | 75.5824% | 3,022 |
| Assets per employee ($millions) | 4.2694% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 7,433 |
| Loan loss allowance to noncurrent loans | 16.8576% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 4,910 |
| Noncurrent loans to loans | 3.1070% | 2,568 |
| Net loans and leases to total assets | 35.2456% | 7,295 |
| Net loans and leases to deposits | 39.2843% | 7,391 |
| Net loans and leases to core deposits | 42.3750% | 7,366 |
| Total domestic deposits to total assets | 89.7193% | 1,013 |
| Equity capital to assets | 9.3132% | 5,115 |
| Core capital (leverage) ratio | 8.9269% | 4,809 |
| Tier 1 risk-based capital ratio | 22.5212% | 1,127 |
| Total risk-based capital ratio | 22.9991% | 1,223 |
| Memoranda: | ||
| Average total assets | $52,822,500 | 6,512 |
| Average earning assets | $49,820,250 | 6,442 |
| Average equity | $5,029,250 | 6,745 |
| Average total loans | $19,970,750 | 7,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 7,387 |
| Cost of funding earning assets | 1.1385% | 5,470 |
| Net interest margin | 2.8339% | 7,100 |
| Noninterest income to average assets | 0.3543% | 5,313 |
| Noninterest expense to average assets | 2.2068% | 6,631 |
| Loan and lease loss provision to assets | 0.0770% | 6,172 |
| Net operating income to assets | 0.5338% | 4,180 |
| Return on assets (ROA) | 0.5816% | 4,090 |
| Pretax return on assets | 0.8011% | 3,877 |
| Return on Equity (ROE) | 6.0610% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.0610% | 2,302 |
| Net charge-offs to loans | 0.2890% | 3,891 |
| Credit loss provision to net charge-offs | 68.9655% | 4,995 |
| Earnings coverage of net charge-offs (x) | 7.2759% | 2,328 |
| Efficiency ratio | 73.0867% | 3,641 |
| Assets per employee ($millions) | 4.0250% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4436% | 7,565 |
| Loan loss allowance to noncurrent loans | 17.7388% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 5,176 |
| Noncurrent loans to loans | 2.5010% | 3,150 |
| Net loans and leases to total assets | 39.0272% | 7,220 |
| Net loans and leases to deposits | 43.7730% | 7,328 |
| Net loans and leases to core deposits | 47.7394% | 7,292 |
| Total domestic deposits to total assets | 89.1581% | 1,347 |
| Equity capital to assets | 9.8290% | 4,230 |
| Core capital (leverage) ratio | 9.1837% | 4,325 |
| Tier 1 risk-based capital ratio | 22.5574% | 1,115 |
| Total risk-based capital ratio | 22.9830% | 1,216 |
| Memoranda: | ||
| Average total assets | $51,929,330 | 6,586 |
| Average earning assets | $48,837,000 | 6,513 |
| Average equity | $4,982,670 | 6,786 |
| Average total loans | $20,072,670 | 7,062 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 7,403 |
| Cost of funding earning assets | 1.1852% | 5,484 |
| Net interest margin | 2.8807% | 7,048 |
| Noninterest income to average assets | 0.3325% | 5,485 |
| Noninterest expense to average assets | 2.1805% | 6,740 |
| Loan and lease loss provision to assets | 0.1546% | 4,987 |
| Net operating income to assets | 0.6263% | 3,773 |
| Return on assets (ROA) | 0.6263% | 3,902 |
| Pretax return on assets | 0.7036% | 4,221 |
| Return on Equity (ROE) | 6.6089% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.6089% | 2,315 |
| Net charge-offs to loans | 0.1007% | 4,408 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,098 |
| Efficiency ratio | 71.7557% | 3,973 |
| Assets per employee ($millions) | 3.9975% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 7,501 |
| Loan loss allowance to noncurrent loans | 20.7143% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 4,992 |
| Noncurrent loans to loans | 2.8844% | 2,796 |
| Net loans and leases to total assets | 37.1363% | 7,381 |
| Net loans and leases to deposits | 41.4053% | 7,475 |
| Net loans and leases to core deposits | 45.1502% | 7,452 |
| Total domestic deposits to total assets | 89.6898% | 1,141 |
| Equity capital to assets | 9.5540% | 4,451 |
| Core capital (leverage) ratio | 9.2385% | 4,163 |
| Tier 1 risk-based capital ratio | 23.0949% | 1,057 |
| Total risk-based capital ratio | 23.6586% | 1,128 |
| Memoranda: | ||
| Average total assets | $51,731,500 | 6,671 |
| Average earning assets | $48,599,500 | 6,605 |
| Average equity | $4,902,500 | 6,881 |
| Average total loans | $19,853,000 | 7,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7854% | 6,977 |
| Cost of funding earning assets | 1.3577% | 6,103 |
| Net interest margin | 3.4276% | 5,262 |
| Noninterest income to average assets | 0.3854% | 5,334 |
| Noninterest expense to average assets | 2.4774% | 6,213 |
| Loan and lease loss provision to assets | 0.0889% | 6,723 |
| Net operating income to assets | 0.7254% | 2,831 |
| Return on assets (ROA) | 0.7538% | 2,797 |
| Pretax return on assets | 1.1329% | 2,150 |
| Return on Equity (ROE) | 7.2894% | 2,669 |
| Retained earnings to average equity (ytd only) | 2.1704% | 3,589 |
| Net charge-offs to loans | 0.1852% | 5,501 |
| Credit loss provision to net charge-offs | 107.6923% | 5,143 |
| Earnings coverage of net charge-offs (x) | 14.2821% | 1,383 |
| Efficiency ratio | 67.7475% | 5,052 |
| Assets per employee ($millions) | 3.9612% | 3,895 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 7,669 |
| Loan loss allowance to noncurrent loans | 11.5297% | 7,340 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 3,817 |
| Noncurrent loans to loans | 4.3172% | 1,670 |
| Net loans and leases to total assets | 39.2077% | 7,390 |
| Net loans and leases to deposits | 43.8351% | 7,523 |
| Net loans and leases to core deposits | 55.1835% | 7,433 |
| Total domestic deposits to total assets | 89.4436% | 1,245 |
| Equity capital to assets | 9.3990% | 4,558 |
| Core capital (leverage) ratio | 9.1694% | 4,167 |
| Tier 1 risk-based capital ratio | 21.9853% | 1,150 |
| Total risk-based capital ratio | 22.4607% | 1,233 |
| Memoranda: | ||
| Average total assets | $47,226,000 | 6,821 |
| Average earning assets | $45,075,000 | 6,719 |
| Average equity | $4,883,800 | 6,985 |
| Average total loans | $21,053,800 | 7,137 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 6,809 |
| Cost of funding earning assets | 1.3887% | 6,277 |
| Net interest margin | 3.5457% | 4,687 |
| Noninterest income to average assets | 0.3813% | 5,465 |
| Noninterest expense to average assets | 2.5245% | 5,996 |
| Loan and lease loss provision to assets | 0.1069% | 6,307 |
| Net operating income to assets | 0.7620% | 2,972 |
| Return on assets (ROA) | 0.8001% | 2,879 |
| Pretax return on assets | 1.2074% | 2,246 |
| Return on Equity (ROE) | 7.5452% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.5452% | 1,298 |
| Net charge-offs to loans | 0.2636% | 4,395 |
| Credit loss provision to net charge-offs | 88.0952% | 5,535 |
| Earnings coverage of net charge-offs (x) | 10.3570% | 1,970 |
| Efficiency ratio | 66.7685% | 5,232 |
| Assets per employee ($millions) | 3.8368% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4543% | 7,763 |
| Loan loss allowance to noncurrent loans | 18.3071% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 5,041 |
| Noncurrent loans to loans | 2.4814% | 3,038 |
| Net loans and leases to total assets | 40.8577% | 7,416 |
| Net loans and leases to deposits | 45.9090% | 7,571 |
| Net loans and leases to core deposits | 58.1427% | 7,458 |
| Total domestic deposits to total assets | 88.9972% | 1,198 |
| Equity capital to assets | 10.1668% | 3,886 |
| Core capital (leverage) ratio | 9.7433% | 3,580 |
| Tier 1 risk-based capital ratio | 23.2713% | 1,073 |
| Total risk-based capital ratio | 23.7230% | 1,153 |
| Memoranda: | ||
| Average total assets | $46,158,750 | 6,914 |
| Average earning assets | $44,259,500 | 6,807 |
| Average equity | $4,894,750 | 7,042 |
| Average total loans | $21,244,500 | 7,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 6,301 |
| Cost of funding earning assets | 1.4051% | 6,462 |
| Net interest margin | 3.7284% | 3,843 |
| Noninterest income to average assets | 0.3785% | 5,477 |
| Noninterest expense to average assets | 2.5156% | 6,070 |
| Loan and lease loss provision to assets | 0.1736% | 5,321 |
| Net operating income to assets | 0.8362% | 2,716 |
| Return on assets (ROA) | 0.8949% | 2,582 |
| Pretax return on assets | 1.3580% | 1,840 |
| Return on Equity (ROE) | 8.3127% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.3127% | 1,119 |
| Net charge-offs to loans | 0.3628% | 3,369 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 8.3077% | 2,282 |
| Efficiency ratio | 63.5546% | 5,993 |
| Assets per employee ($millions) | 3.5385% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 7,820 |
| Loan loss allowance to noncurrent loans | 101.0204% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 6,976 |
| Noncurrent loans to loans | 0.4667% | 6,362 |
| Net loans and leases to total assets | 45.4360% | 7,236 |
| Net loans and leases to deposits | 51.3525% | 7,414 |
| Net loans and leases to core deposits | 62.0908% | 7,377 |
| Total domestic deposits to total assets | 88.4785% | 1,538 |
| Equity capital to assets | 10.7106% | 3,190 |
| Core capital (leverage) ratio | 10.0851% | 3,204 |
| Tier 1 risk-based capital ratio | 23.4917% | 1,091 |
| Total risk-based capital ratio | 23.9797% | 1,134 |
| Memoranda: | ||
| Average total assets | $44,919,000 | 7,025 |
| Average earning assets | $43,128,000 | 6,922 |
| Average equity | $4,836,000 | 7,130 |
| Average total loans | $21,502,000 | 7,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 6,014 |
| Cost of funding earning assets | 1.4212% | 6,658 |
| Net interest margin | 3.8522% | 3,239 |
| Noninterest income to average assets | 0.3696% | 5,464 |
| Noninterest expense to average assets | 2.5057% | 5,825 |
| Loan and lease loss provision to assets | 0.1803% | 4,646 |
| Net operating income to assets | 0.8941% | 2,722 |
| Return on assets (ROA) | 1.0095% | 2,413 |
| Pretax return on assets | 1.5774% | 1,467 |
| Return on Equity (ROE) | 9.3518% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.3518% | 1,388 |
| Net charge-offs to loans | 0.6436% | 1,890 |
| Credit loss provision to net charge-offs | 57.1429% | 4,564 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,773 |
| Efficiency ratio | 61.3687% | 6,183 |
| Assets per employee ($millions) | 3.3795% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3900% | 7,958 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 7,076 |
| Noncurrent loans to loans | 0.3250% | 6,625 |
| Net loans and leases to total assets | 48.8301% | 6,960 |
| Net loans and leases to deposits | 55.4384% | 7,191 |
| Net loans and leases to core deposits | 64.7755% | 7,286 |
| Total domestic deposits to total assets | 88.0798% | 1,714 |
| Equity capital to assets | 11.0598% | 2,911 |
| Core capital (leverage) ratio | 10.5417% | 2,880 |
| Tier 1 risk-based capital ratio | 23.0364% | 1,193 |
| Total risk-based capital ratio | 23.4500% | 1,245 |
| Memoranda: | ||
| Average total assets | $44,378,000 | 7,088 |
| Average earning assets | $42,781,000 | 6,988 |
| Average equity | $4,790,500 | 7,190 |
| Average total loans | $21,753,000 | 7,260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 6,806 |
| Cost of funding earning assets | 1.9499% | 6,569 |
| Net interest margin | 3.7410% | 4,272 |
| Noninterest income to average assets | 0.4729% | 4,856 |
| Noninterest expense to average assets | 2.6542% | 5,431 |
| Loan and lease loss provision to assets | 0.0765% | 6,443 |
| Net operating income to assets | 0.8646% | 3,151 |
| Return on assets (ROA) | 0.8646% | 3,003 |
| Pretax return on assets | 1.2912% | 2,341 |
| Return on Equity (ROE) | 7.9304% | 3,104 |
| Retained earnings to average equity (ytd only) | 1.0205% | 4,615 |
| Net charge-offs to loans | 0.3232% | 3,237 |
| Credit loss provision to net charge-offs | 47.1429% | 6,383 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,884 |
| Efficiency ratio | 65.9942% | 5,128 |
| Assets per employee ($millions) | 3.4478% | 4,801 |
| Cash dividends to net income (ytd only)* | 87.1314% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4506% | 7,915 |
| Loan loss allowance to noncurrent loans | 145.5882% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 6,964 |
| Noncurrent loans to loans | 0.3095% | 6,454 |
| Net loans and leases to total assets | 48.7930% | 7,124 |
| Net loans and leases to deposits | 57.3263% | 7,245 |
| Net loans and leases to core deposits | 65.1106% | 7,390 |
| Total domestic deposits to total assets | 85.1145% | 2,791 |
| Equity capital to assets | 10.5350% | 3,457 |
| Core capital (leverage) ratio | 10.2547% | 3,213 |
| Tier 1 risk-based capital ratio | 21.8191% | 1,342 |
| Total risk-based capital ratio | 22.2923% | 1,423 |
| Memoranda: | ||
| Average total assets | $43,139,800 | 7,069 |
| Average earning assets | $40,925,400 | 6,998 |
| Average equity | $4,703,400 | 7,254 |
| Average total loans | $21,661,400 | 7,216 |