Home > Washita Valley Bank > Performance and Condition Ratios
Washita Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 1,851 |
| Cost of funding earning assets | 1.1612% | 2,907 |
| Net interest margin | 3.9402% | 1,293 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.6481% | 1,878 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.8062% | 2,852 |
| Return on assets (ROA) | 0.8062% | 2,832 |
| Pretax return on assets | 1.0704% | 2,494 |
| Return on Equity (ROE) | 5.8500% | 3,550 |
| Retained earnings to average equity (ytd only) | -0.2019% | 4,109 |
| Net charge-offs to loans | 0.3783% | 279 |
| Credit loss provision to net charge-offs | 193.0693% | 1,247 |
| Earnings coverage of net charge-offs (x) | 8.0297% | 2,369 |
| Efficiency ratio | 65.2677% | 2,450 |
| Assets per employee ($millions) | 4.6444% | 3,858 |
| Cash dividends to net income (ytd only)* | 103.4483% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 728 |
| Loan loss allowance to noncurrent loans | 42.5778% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 2.0634% | 131 |
| Noncurrent loans to loans | 3.9084% | 86 |
| Net loans and leases to total assets | 50.7900% | 3,545 |
| Net loans and leases to deposits | 59.4593% | 3,556 |
| Net loans and leases to core deposits | 59.4593% | 3,781 |
| Total domestic deposits to total assets | 85.4100% | 2,182 |
| Equity capital to assets | 14.0563% | 673 |
| Core capital (leverage) ratio | 13.5842% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,551,000 | 4,242 |
| Average earning assets | $53,221,200 | 4,216 |
| Average equity | $7,926,400 | 3,937 |
| Average total loans | $26,699,200 | 4,187 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 1,871 |
| Cost of funding earning assets | 1.0518% | 2,883 |
| Net interest margin | 3.9287% | 1,348 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4595% | 2,348 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1585% | 1,902 |
| Return on assets (ROA) | 1.1585% | 1,884 |
| Pretax return on assets | 1.4458% | 1,683 |
| Return on Equity (ROE) | 8.4500% | 3,074 |
| Retained earnings to average equity (ytd only) | 4.4278% | 3,135 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.3532% | 2,800 |
| Assets per employee ($millions) | 4.8553% | 3,708 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 783 |
| Loan loss allowance to noncurrent loans | 39.1265% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.9292% | 154 |
| Noncurrent loans to loans | 4.2204% | 69 |
| Net loans and leases to total assets | 43.9600% | 3,916 |
| Net loans and leases to deposits | 51.3298% | 3,892 |
| Net loans and leases to core deposits | 51.3298% | 3,997 |
| Total domestic deposits to total assets | 85.6300% | 2,303 |
| Equity capital to assets | 13.7924% | 679 |
| Core capital (leverage) ratio | 13.5108% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $58,005,500 | 4,245 |
| Average earning assets | $53,621,500 | 4,227 |
| Average equity | $7,949,500 | 3,939 |
| Average total loans | $26,178,000 | 4,213 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 1,805 |
| Cost of funding earning assets | 0.8905% | 2,953 |
| Net interest margin | 3.9922% | 1,259 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.4759% | 2,272 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1982% | 1,838 |
| Return on assets (ROA) | 1.1982% | 1,828 |
| Pretax return on assets | 1.5159% | 1,563 |
| Return on Equity (ROE) | 8.7600% | 3,044 |
| Retained earnings to average equity (ytd only) | 2.7018% | 3,553 |
| Net charge-offs to loans | 0.0076% | 1,940 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 469.0000% | 321 |
| Efficiency ratio | 60.4553% | 2,903 |
| Assets per employee ($millions) | 5.0355% | 3,570 |
| Cash dividends to net income (ytd only)* | 69.1643% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 959 |
| Loan loss allowance to noncurrent loans | 22.8729% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 3.0368% | 63 |
| Noncurrent loans to loans | 6.9349% | 24 |
| Net loans and leases to total assets | 42.5100% | 3,945 |
| Net loans and leases to deposits | 49.2050% | 3,948 |
| Net loans and leases to core deposits | 49.2050% | 4,039 |
| Total domestic deposits to total assets | 86.3900% | 2,119 |
| Equity capital to assets | 13.1218% | 785 |
| Core capital (leverage) ratio | 13.3642% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,919,333 | 4,268 |
| Average earning assets | $53,454,667 | 4,250 |
| Average equity | $7,920,667 | 3,964 |
| Average total loans | $26,224,000 | 4,224 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 1,347 |
| Cost of funding earning assets | 0.7476% | 2,901 |
| Net interest margin | 4.1928% | 956 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.6471% | 1,822 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1930% | 1,950 |
| Return on assets (ROA) | 1.1930% | 1,910 |
| Pretax return on assets | 1.5177% | 1,635 |
| Return on Equity (ROE) | 8.5400% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.5391% | 2,074 |
| Net charge-offs to loans | 0.0304% | 1,100 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 724 |
| Efficiency ratio | 61.9835% | 2,703 |
| Assets per employee ($millions) | 4.9197% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,233 |
| Loan loss allowance to noncurrent loans | 20.4733% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 3.3353% | 39 |
| Noncurrent loans to loans | 7.3556% | 27 |
| Net loans and leases to total assets | 44.0900% | 3,864 |
| Net loans and leases to deposits | 51.3371% | 3,828 |
| Net loans and leases to core deposits | 51.9602% | 3,914 |
| Total domestic deposits to total assets | 85.8900% | 2,627 |
| Equity capital to assets | 13.5748% | 660 |
| Core capital (leverage) ratio | 13.9495% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $56,666,000 | 4,342 |
| Average earning assets | $51,899,000 | 4,330 |
| Average equity | $7,916,500 | 4,012 |
| Average total loans | $26,286,000 | 4,283 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 715 |
| Cost of funding earning assets | 0.3124% | 2,777 |
| Net interest margin | 4.1888% | 551 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.7667% | 1,394 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1135% | 2,114 |
| Return on assets (ROA) | 1.1135% | 2,051 |
| Pretax return on assets | 1.4012% | 1,766 |
| Return on Equity (ROE) | 7.5300% | 3,516 |
| Retained earnings to average equity (ytd only) | 1.9346% | 3,992 |
| Net charge-offs to loans | 0.0533% | 1,133 |
| Credit loss provision to net charge-offs | 428.5714% | 747 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 1,285 |
| Efficiency ratio | 64.6309% | 2,416 |
| Assets per employee ($millions) | 4.5247% | 4,020 |
| Cash dividends to net income (ytd only)* | 74.3243% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,283 |
| Loan loss allowance to noncurrent loans | 28.0817% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 2.5711% | 73 |
| Noncurrent loans to loans | 5.2442% | 48 |
| Net loans and leases to total assets | 47.4400% | 3,709 |
| Net loans and leases to deposits | 55.7400% | 3,592 |
| Net loans and leases to core deposits | 56.4831% | 3,701 |
| Total domestic deposits to total assets | 85.1100% | 2,966 |
| Equity capital to assets | 14.4007% | 534 |
| Core capital (leverage) ratio | 14.4307% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,167,600 | 4,406 |
| Average earning assets | $49,298,400 | 4,379 |
| Average equity | $7,857,000 | 4,115 |
| Average total loans | $26,258,200 | 4,299 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 557 |
| Cost of funding earning assets | 0.2399% | 2,821 |
| Net interest margin | 4.1801% | 440 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.6245% | 1,655 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2479% | 1,527 |
| Return on assets (ROA) | 1.2479% | 1,501 |
| Pretax return on assets | 1.5757% | 1,186 |
| Return on Equity (ROE) | 8.3900% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.0000% | 3,105 |
| Net charge-offs to loans | 0.0355% | 1,154 |
| Credit loss provision to net charge-offs | 642.8571% | 538 |
| Earnings coverage of net charge-offs (x) | 95.7143% | 969 |
| Efficiency ratio | 60.8416% | 3,008 |
| Assets per employee ($millions) | 4.5970% | 3,982 |
| Cash dividends to net income (ytd only)* | 40.4040% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,353 |
| Loan loss allowance to noncurrent loans | 36.3549% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 141 |
| Noncurrent loans to loans | 4.0713% | 91 |
| Net loans and leases to total assets | 45.4900% | 3,790 |
| Net loans and leases to deposits | 53.4358% | 3,638 |
| Net loans and leases to core deposits | 54.1321% | 3,736 |
| Total domestic deposits to total assets | 85.1300% | 3,253 |
| Equity capital to assets | 14.3626% | 528 |
| Core capital (leverage) ratio | 14.7052% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $52,885,500 | 4,444 |
| Average earning assets | $49,471,250 | 4,411 |
| Average equity | $7,866,500 | 4,151 |
| Average total loans | $26,287,000 | 4,329 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 406 |
| Cost of funding earning assets | 0.2129% | 2,735 |
| Net interest margin | 4.2326% | 312 |
| Noninterest income to average assets | 0.4067% | 2,714 |
| Noninterest expense to average assets | 2.7088% | 1,369 |
| Loan and lease loss provision to assets | 0.1151% | 872 |
| Net operating income to assets | 1.2278% | 1,339 |
| Return on assets (ROA) | 1.2278% | 1,323 |
| Pretax return on assets | 1.5501% | 1,046 |
| Return on Equity (ROE) | 8.1553% | 2,977 |
| Retained earnings to average equity (ytd only) | 3.0582% | 3,426 |
| Net charge-offs to loans | 0.0226% | 1,276 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 144.6667% | 663 |
| Efficiency ratio | 61.9298% | 3,053 |
| Assets per employee ($millions) | 4.4512% | 4,112 |
| Cash dividends to net income (ytd only)* | 62.5000% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 1,785 |
| Loan loss allowance to noncurrent loans | 1,045.7143% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,919 |
| Noncurrent loans to loans | 0.1332% | 3,046 |
| Net loans and leases to total assets | 48.4966% | 3,510 |
| Net loans and leases to deposits | 57.1189% | 3,296 |
| Net loans and leases to core deposits | 57.9560% | 3,424 |
| Total domestic deposits to total assets | 84.9047% | 3,501 |
| Equity capital to assets | 14.6160% | 451 |
| Core capital (leverage) ratio | 14.3119% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,126,000 | 4,490 |
| Average earning assets | $48,858,333 | 4,472 |
| Average equity | $7,847,667 | 4,221 |
| Average total loans | $26,559,000 | 4,381 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 315 |
| Cost of funding earning assets | 0.2154% | 2,593 |
| Net interest margin | 4.2749% | 252 |
| Noninterest income to average assets | 0.4662% | 2,320 |
| Noninterest expense to average assets | 2.8204% | 1,122 |
| Loan and lease loss provision to assets | 0.1165% | 718 |
| Net operating income to assets | 1.2276% | 1,175 |
| Return on assets (ROA) | 1.2276% | 1,159 |
| Pretax return on assets | 1.5384% | 939 |
| Return on Equity (ROE) | 8.0325% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.0325% | 1,574 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0208% | 3,146 |
| Assets per employee ($millions) | 4.4878% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,250 |
| Loan loss allowance to noncurrent loans | 192.8962% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 1,566 |
| Noncurrent loans to loans | 0.6855% | 1,382 |
| Net loans and leases to total assets | 48.9128% | 3,290 |
| Net loans and leases to deposits | 57.7831% | 3,096 |
| Net loans and leases to core deposits | 58.6215% | 3,268 |
| Total domestic deposits to total assets | 84.6490% | 3,623 |
| Equity capital to assets | 14.6863% | 427 |
| Core capital (leverage) ratio | 15.1516% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,482,000 | 4,524 |
| Average earning assets | $48,282,000 | 4,499 |
| Average equity | $7,868,000 | 4,279 |
| Average total loans | $26,703,500 | 4,399 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 621 |
| Cost of funding earning assets | 0.2765% | 2,633 |
| Net interest margin | 4.2005% | 489 |
| Noninterest income to average assets | 1.2377% | 691 |
| Noninterest expense to average assets | 3.0716% | 886 |
| Loan and lease loss provision to assets | 0.2467% | 387 |
| Net operating income to assets | 1.4237% | 1,199 |
| Return on assets (ROA) | 1.3425% | 1,504 |
| Pretax return on assets | 1.7208% | 1,094 |
| Return on Equity (ROE) | 8.3534% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.2365% | 3,531 |
| Net charge-offs to loans | 0.2424% | 384 |
| Credit loss provision to net charge-offs | 184.6154% | 1,349 |
| Earnings coverage of net charge-offs (x) | 15.4923% | 2,001 |
| Efficiency ratio | 59.7361% | 3,189 |
| Assets per employee ($millions) | 3.7778% | 4,504 |
| Cash dividends to net income (ytd only)* | 61.2557% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,509 |
| Loan loss allowance to noncurrent loans | 505.9701% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,627 |
| Noncurrent loans to loans | 0.2508% | 2,725 |
| Net loans and leases to total assets | 53.7028% | 2,887 |
| Net loans and leases to deposits | 64.3724% | 2,656 |
| Net loans and leases to core deposits | 65.4133% | 2,871 |
| Total domestic deposits to total assets | 83.4253% | 3,717 |
| Equity capital to assets | 15.9374% | 390 |
| Core capital (leverage) ratio | 15.8430% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,639,800 | 4,578 |
| Average earning assets | $45,208,400 | 4,558 |
| Average equity | $7,817,200 | 4,347 |
| Average total loans | $26,811,000 | 4,437 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 683 |
| Cost of funding earning assets | 0.2930% | 2,658 |
| Net interest margin | 4.2026% | 542 |
| Noninterest income to average assets | 1.5031% | 547 |
| Noninterest expense to average assets | 2.8880% | 1,151 |
| Loan and lease loss provision to assets | 0.2473% | 374 |
| Net operating income to assets | 1.7531% | 739 |
| Return on assets (ROA) | 1.7531% | 771 |
| Pretax return on assets | 2.2697% | 485 |
| Return on Equity (ROE) | 10.8851% | 2,405 |
| Retained earnings to average equity (ytd only) | 7.4729% | 2,238 |
| Net charge-offs to loans | 0.1987% | 425 |
| Credit loss provision to net charge-offs | 225.0000% | 1,155 |
| Earnings coverage of net charge-offs (x) | 22.9000% | 1,675 |
| Efficiency ratio | 53.4316% | 3,880 |
| Assets per employee ($millions) | 4.0701% | 4,405 |
| Cash dividends to net income (ytd only)* | 31.3480% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,452 |
| Loan loss allowance to noncurrent loans | 189.7727% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,811 |
| Noncurrent loans to loans | 0.6887% | 1,601 |
| Net loans and leases to total assets | 51.6390% | 3,232 |
| Net loans and leases to deposits | 62.3033% | 3,008 |
| Net loans and leases to core deposits | 63.3168% | 3,195 |
| Total domestic deposits to total assets | 82.8832% | 3,738 |
| Equity capital to assets | 16.3920% | 377 |
| Core capital (leverage) ratio | 16.2163% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,522,000 | 4,646 |
| Average earning assets | $45,050,250 | 4,627 |
| Average equity | $7,814,750 | 4,411 |
| Average total loans | $26,835,500 | 4,498 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 657 |
| Cost of funding earning assets | 0.3030% | 2,750 |
| Net interest margin | 4.2642% | 521 |
| Noninterest income to average assets | 2.0076% | 326 |
| Noninterest expense to average assets | 2.8710% | 1,206 |
| Loan and lease loss provision to assets | 0.2479% | 400 |
| Net operating income to assets | 2.1811% | 352 |
| Return on assets (ROA) | 2.1811% | 373 |
| Pretax return on assets | 2.8421% | 222 |
| Return on Equity (ROE) | 13.6240% | 1,534 |
| Retained earnings to average equity (ytd only) | 8.4634% | 1,911 |
| Net charge-offs to loans | 0.1321% | 602 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 41.5556% | 1,148 |
| Efficiency ratio | 48.1635% | 4,375 |
| Assets per employee ($millions) | 4.1582% | 4,358 |
| Cash dividends to net income (ytd only)* | 37.8788% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,846 |
| Loan loss allowance to noncurrent loans | 51.1774% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 479 |
| Noncurrent loans to loans | 2.3746% | 363 |
| Net loans and leases to total assets | 53.1083% | 3,239 |
| Net loans and leases to deposits | 63.6178% | 3,039 |
| Net loans and leases to core deposits | 64.6231% | 3,233 |
| Total domestic deposits to total assets | 83.4803% | 3,583 |
| Equity capital to assets | 15.8103% | 432 |
| Core capital (leverage) ratio | 15.8099% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,415,667 | 4,670 |
| Average earning assets | $44,885,333 | 4,650 |
| Average equity | $7,751,000 | 4,441 |
| Average total loans | $27,262,333 | 4,524 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6690% | 594 |
| Cost of funding earning assets | 0.3173% | 2,822 |
| Net interest margin | 4.3517% | 472 |
| Noninterest income to average assets | 2.1898% | 321 |
| Noninterest expense to average assets | 2.9114% | 1,129 |
| Loan and lease loss provision to assets | 0.2517% | 415 |
| Net operating income to assets | 2.2738% | 373 |
| Return on assets (ROA) | 2.2738% | 401 |
| Pretax return on assets | 3.0540% | 221 |
| Return on Equity (ROE) | 14.1109% | 1,410 |
| Retained earnings to average equity (ytd only) | 14.1109% | 743 |
| Net charge-offs to loans | 0.1019% | 678 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 56.2857% | 852 |
| Efficiency ratio | 46.8286% | 4,418 |
| Assets per employee ($millions) | 4.1569% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,514 |
| Loan loss allowance to noncurrent loans | 232.5758% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 2,427 |
| Noncurrent loans to loans | 0.4655% | 2,460 |
| Net loans and leases to total assets | 56.2296% | 3,008 |
| Net loans and leases to deposits | 67.2090% | 2,783 |
| Net loans and leases to core deposits | 68.2657% | 3,039 |
| Total domestic deposits to total assets | 83.6638% | 3,527 |
| Equity capital to assets | 15.6907% | 422 |
| Core capital (leverage) ratio | 15.4858% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,674,500 | 4,702 |
| Average earning assets | $44,120,500 | 4,681 |
| Average equity | $7,682,000 | 4,462 |
| Average total loans | $27,480,500 | 4,544 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 466 |
| Cost of funding earning assets | 0.5230% | 2,795 |
| Net interest margin | 4.4964% | 331 |
| Noninterest income to average assets | 0.5361% | 2,481 |
| Noninterest expense to average assets | 3.0597% | 1,307 |
| Loan and lease loss provision to assets | 0.3140% | 1,187 |
| Net operating income to assets | 0.9758% | 2,375 |
| Return on assets (ROA) | 0.9758% | 2,523 |
| Pretax return on assets | 1.3280% | 1,890 |
| Return on Equity (ROE) | 5.7614% | 3,655 |
| Retained earnings to average equity (ytd only) | 0.4636% | 4,375 |
| Net charge-offs to loans | 0.8804% | 157 |
| Credit loss provision to net charge-offs | 60.6061% | 3,083 |
| Earnings coverage of net charge-offs (x) | 3.1688% | 3,107 |
| Efficiency ratio | 65.0763% | 2,668 |
| Assets per employee ($millions) | 3.7888% | 4,516 |
| Cash dividends to net income (ytd only)* | 91.9540% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,611 |
| Loan loss allowance to noncurrent loans | 326.4368% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 3,179 |
| Noncurrent loans to loans | 0.3270% | 3,030 |
| Net loans and leases to total assets | 57.8916% | 3,093 |
| Net loans and leases to deposits | 69.8133% | 2,897 |
| Net loans and leases to core deposits | 71.5264% | 3,125 |
| Total domestic deposits to total assets | 82.9235% | 3,435 |
| Equity capital to assets | 16.5772% | 374 |
| Core capital (leverage) ratio | 16.5597% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,579,600 | 4,713 |
| Average earning assets | $41,299,600 | 4,704 |
| Average equity | $7,550,200 | 4,473 |
| Average total loans | $26,237,000 | 4,597 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 567 |
| Cost of funding earning assets | 0.5755% | 2,768 |
| Net interest margin | 4.4653% | 413 |
| Noninterest income to average assets | 0.5741% | 2,279 |
| Noninterest expense to average assets | 2.9186% | 1,652 |
| Loan and lease loss provision to assets | 0.3314% | 1,170 |
| Net operating income to assets | 1.0791% | 2,048 |
| Return on assets (ROA) | 1.0791% | 2,179 |
| Pretax return on assets | 1.4758% | 1,500 |
| Return on Equity (ROE) | 6.3369% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.8066% | 3,605 |
| Net charge-offs to loans | 1.1066% | 122 |
| Credit loss provision to net charge-offs | 50.6912% | 2,883 |
| Earnings coverage of net charge-offs (x) | 2.7696% | 2,959 |
| Efficiency ratio | 61.7684% | 3,113 |
| Assets per employee ($millions) | 3.7617% | 4,506 |
| Cash dividends to net income (ytd only)* | 55.7103% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,547 |
| Loan loss allowance to noncurrent loans | 209.3750% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 2,814 |
| Noncurrent loans to loans | 0.4936% | 2,582 |
| Net loans and leases to total assets | 56.8587% | 3,537 |
| Net loans and leases to deposits | 68.8965% | 3,403 |
| Net loans and leases to core deposits | 70.6022% | 3,583 |
| Total domestic deposits to total assets | 82.5277% | 3,272 |
| Equity capital to assets | 16.9229% | 384 |
| Core capital (leverage) ratio | 16.5597% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,358,000 | 4,737 |
| Average earning assets | $41,235,750 | 4,724 |
| Average equity | $7,553,500 | 4,492 |
| Average total loans | $26,145,000 | 4,623 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 609 |
| Cost of funding earning assets | 0.6359% | 2,778 |
| Net interest margin | 4.5298% | 473 |
| Noninterest income to average assets | 0.6440% | 1,959 |
| Noninterest expense to average assets | 2.8664% | 1,921 |
| Loan and lease loss provision to assets | 0.3628% | 1,161 |
| Net operating income to assets | 1.1792% | 1,699 |
| Return on assets (ROA) | 1.1792% | 1,832 |
| Pretax return on assets | 1.6146% | 1,196 |
| Return on Equity (ROE) | 6.9103% | 3,164 |
| Retained earnings to average equity (ytd only) | 1.5947% | 3,910 |
| Net charge-offs to loans | 0.6790% | 232 |
| Credit loss provision to net charge-offs | 89.8876% | 2,463 |
| Earnings coverage of net charge-offs (x) | 4.8989% | 2,556 |
| Efficiency ratio | 59.1760% | 3,533 |
| Assets per employee ($millions) | 4.1946% | 4,111 |
| Cash dividends to net income (ytd only)* | 76.9231% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,523 |
| Loan loss allowance to noncurrent loans | 137.7358% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 1,955 |
| Noncurrent loans to loans | 1.0294% | 1,513 |
| Net loans and leases to total assets | 55.0031% | 3,781 |
| Net loans and leases to deposits | 66.1514% | 3,705 |
| Net loans and leases to core deposits | 67.7369% | 3,876 |
| Total domestic deposits to total assets | 83.1473% | 3,043 |
| Equity capital to assets | 16.2914% | 434 |
| Core capital (leverage) ratio | 16.1987% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,097,333 | 4,763 |
| Average earning assets | $40,884,667 | 4,751 |
| Average equity | $7,525,000 | 4,516 |
| Average total loans | $26,215,333 | 4,642 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 400 |
| Cost of funding earning assets | 0.6858% | 2,991 |
| Net interest margin | 4.7806% | 284 |
| Noninterest income to average assets | 0.5386% | 2,344 |
| Noninterest expense to average assets | 2.8972% | 2,132 |
| Loan and lease loss provision to assets | 0.2786% | 1,118 |
| Net operating income to assets | 1.3093% | 1,216 |
| Return on assets (ROA) | 1.3093% | 1,315 |
| Pretax return on assets | 1.7643% | 751 |
| Return on Equity (ROE) | 7.4910% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.4910% | 1,377 |
| Net charge-offs to loans | 0.8922% | 165 |
| Credit loss provision to net charge-offs | 50.8475% | 2,055 |
| Earnings coverage of net charge-offs (x) | 3.7288% | 2,190 |
| Efficiency ratio | 58.6466% | 3,919 |
| Assets per employee ($millions) | 3.9981% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,082 |
| Loan loss allowance to noncurrent loans | 110.5431% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 1,518 |
| Noncurrent loans to loans | 1.1877% | 1,378 |
| Net loans and leases to total assets | 59.1350% | 3,583 |
| Net loans and leases to deposits | 71.9937% | 3,430 |
| Net loans and leases to core deposits | 73.8206% | 3,648 |
| Total domestic deposits to total assets | 82.1392% | 3,373 |
| Equity capital to assets | 17.1946% | 420 |
| Core capital (leverage) ratio | 17.1766% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1485% | 554 |
| Memoranda: | ||
| Average total assets | $43,075,500 | 4,806 |
| Average earning assets | $39,660,500 | 4,793 |
| Average equity | $7,529,000 | 4,548 |
| Average total loans | $26,451,000 | 4,668 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 341 |
| Cost of funding earning assets | 0.6595% | 3,366 |
| Net interest margin | 5.1127% | 216 |
| Noninterest income to average assets | 0.5726% | 2,356 |
| Noninterest expense to average assets | 3.0465% | 1,890 |
| Loan and lease loss provision to assets | 0.7540% | 140 |
| Net operating income to assets | 1.0132% | 2,803 |
| Return on assets (ROA) | 1.0132% | 2,892 |
| Pretax return on assets | 1.5032% | 1,801 |
| Return on Equity (ROE) | 5.7291% | 3,999 |
| Retained earnings to average equity (ytd only) | 0.3997% | 4,575 |
| Net charge-offs to loans | 0.3081% | 675 |
| Credit loss provision to net charge-offs | 400.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 11.9750% | 2,449 |
| Efficiency ratio | 57.4411% | 4,031 |
| Assets per employee ($millions) | 3.8338% | 4,117 |
| Cash dividends to net income (ytd only)* | 93.0233% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,481 |
| Loan loss allowance to noncurrent loans | 133.4520% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,525 |
| Noncurrent loans to loans | 1.0584% | 1,429 |
| Net loans and leases to total assets | 62.0649% | 3,393 |
| Net loans and leases to deposits | 76.0077% | 3,180 |
| Net loans and leases to core deposits | 78.0289% | 3,447 |
| Total domestic deposits to total assets | 81.6561% | 3,600 |
| Equity capital to assets | 17.7748% | 391 |
| Core capital (leverage) ratio | 17.6169% | 365 |
| Tier 1 risk-based capital ratio | 21.6848% | 1,063 |
| Total risk-based capital ratio | 22.7696% | 1,059 |
| Memoranda: | ||
| Average total assets | $42,441,600 | 4,860 |
| Average earning assets | $39,275,000 | 4,849 |
| Average equity | $7,505,600 | 4,574 |
| Average total loans | $25,963,400 | 4,729 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7735% | 366 |
| Cost of funding earning assets | 0.6351% | 3,514 |
| Net interest margin | 5.1384% | 216 |
| Noninterest income to average assets | 0.5552% | 2,435 |
| Noninterest expense to average assets | 2.8730% | 2,335 |
| Loan and lease loss provision to assets | 1.0037% | 92 |
| Net operating income to assets | 0.9127% | 3,301 |
| Return on assets (ROA) | 0.9127% | 3,380 |
| Pretax return on assets | 1.4491% | 2,122 |
| Return on Equity (ROE) | 5.1677% | 4,284 |
| Retained earnings to average equity (ytd only) | 1.6160% | 4,395 |
| Net charge-offs to loans | 0.2944% | 594 |
| Credit loss provision to net charge-offs | 561.4035% | 574 |
| Earnings coverage of net charge-offs (x) | 13.7189% | 2,274 |
| Efficiency ratio | 53.9458% | 4,401 |
| Assets per employee ($millions) | 3.8445% | 4,106 |
| Cash dividends to net income (ytd only)* | 68.7286% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,115 |
| Loan loss allowance to noncurrent loans | 161.7886% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 1,755 |
| Noncurrent loans to loans | 0.9590% | 1,676 |
| Net loans and leases to total assets | 59.7139% | 3,703 |
| Net loans and leases to deposits | 73.2374% | 3,539 |
| Net loans and leases to core deposits | 75.1734% | 3,752 |
| Total domestic deposits to total assets | 81.5346% | 3,608 |
| Equity capital to assets | 17.8695% | 403 |
| Core capital (leverage) ratio | 17.5797% | 382 |
| Tier 1 risk-based capital ratio | 22.5038% | 1,010 |
| Total risk-based capital ratio | 23.6890% | 990 |
| Memoranda: | ||
| Average total assets | $42,509,000 | 4,932 |
| Average earning assets | $39,466,750 | 4,918 |
| Average equity | $7,508,000 | 4,621 |
| Average total loans | $25,817,000 | 4,800 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8074% | 334 |
| Cost of funding earning assets | 0.6211% | 3,543 |
| Net interest margin | 5.1863% | 205 |
| Noninterest income to average assets | 0.5542% | 2,370 |
| Noninterest expense to average assets | 2.8510% | 2,414 |
| Loan and lease loss provision to assets | 1.4560% | 56 |
| Net operating income to assets | 0.5167% | 4,497 |
| Return on assets (ROA) | 0.5167% | 4,527 |
| Pretax return on assets | 1.0709% | 3,321 |
| Return on Equity (ROE) | 2.9366% | 4,802 |
| Retained earnings to average equity (ytd only) | -2.4027% | 4,939 |
| Net charge-offs to loans | 0.2242% | 751 |
| Credit loss provision to net charge-offs | 1,068.9655% | 324 |
| Earnings coverage of net charge-offs (x) | 18.5517% | 1,857 |
| Efficiency ratio | 53.0131% | 4,563 |
| Assets per employee ($millions) | 3.9410% | 3,953 |
| Cash dividends to net income (ytd only)* | 181.8182% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 917 |
| Loan loss allowance to noncurrent loans | 501.2048% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 2,943 |
| Noncurrent loans to loans | 0.3294% | 3,353 |
| Net loans and leases to total assets | 57.1567% | 3,992 |
| Net loans and leases to deposits | 69.3110% | 3,898 |
| Net loans and leases to core deposits | 70.5665% | 4,087 |
| Total domestic deposits to total assets | 82.4641% | 3,381 |
| Equity capital to assets | 17.0146% | 463 |
| Core capital (leverage) ratio | 16.5816% | 476 |
| Tier 1 risk-based capital ratio | 21.7877% | 1,079 |
| Total risk-based capital ratio | 23.0165% | 1,058 |
| Memoranda: | ||
| Average total assets | $42,582,000 | 4,972 |
| Average earning assets | $39,604,330 | 4,961 |
| Average equity | $7,491,670 | 4,650 |
| Average total loans | $25,872,330 | 4,835 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 337 |
| Cost of funding earning assets | 0.5993% | 3,578 |
| Net interest margin | 5.1501% | 217 |
| Noninterest income to average assets | 0.5877% | 2,106 |
| Noninterest expense to average assets | 2.8912% | 2,301 |
| Loan and lease loss provision to assets | 0.2844% | 475 |
| Net operating income to assets | 1.6683% | 780 |
| Return on assets (ROA) | 1.6683% | 811 |
| Pretax return on assets | 2.2181% | 428 |
| Return on Equity (ROE) | 9.3251% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.3251% | 1,218 |
| Net charge-offs to loans | 0.0763% | 1,310 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 52.8000% | 992 |
| Efficiency ratio | 53.6028% | 4,569 |
| Assets per employee ($millions) | 3.9601% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 4,912 |
| Loan loss allowance to noncurrent loans | 82.9016% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 2,166 |
| Noncurrent loans to loans | 0.7371% | 2,179 |
| Net loans and leases to total assets | 59.7438% | 3,736 |
| Net loans and leases to deposits | 72.9318% | 3,536 |
| Net loans and leases to core deposits | 74.2468% | 3,780 |
| Total domestic deposits to total assets | 81.9173% | 3,746 |
| Equity capital to assets | 17.5432% | 385 |
| Core capital (leverage) ratio | 17.9444% | 344 |
| Tier 1 risk-based capital ratio | 22.1945% | 1,029 |
| Total risk-based capital ratio | 22.6592% | 1,101 |
| Memoranda: | ||
| Average total assets | $42,197,500 | 5,031 |
| Average earning assets | $39,377,500 | 5,013 |
| Average equity | $7,549,500 | 4,674 |
| Average total loans | $26,211,500 | 4,877 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 406 |
| Cost of funding earning assets | 0.5273% | 3,196 |
| Net interest margin | 4.9670% | 280 |
| Noninterest income to average assets | 0.5388% | 2,618 |
| Noninterest expense to average assets | 2.9859% | 2,081 |
| Loan and lease loss provision to assets | 0.2848% | 575 |
| Net operating income to assets | 1.4122% | 1,383 |
| Return on assets (ROA) | 1.4122% | 1,374 |
| Pretax return on assets | 1.8514% | 806 |
| Return on Equity (ROE) | 8.0133% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.6262% | 4,092 |
| Net charge-offs to loans | 0.1617% | 1,189 |
| Credit loss provision to net charge-offs | 307.6923% | 1,012 |
| Earnings coverage of net charge-offs (x) | 23.0769% | 1,868 |
| Efficiency ratio | 58.2947% | 4,118 |
| Assets per employee ($millions) | 3.7122% | 4,300 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 5,105 |
| Loan loss allowance to noncurrent loans | 105.4688% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 2,970 |
| Noncurrent loans to loans | 0.4878% | 2,812 |
| Net loans and leases to total assets | 63.9247% | 3,367 |
| Net loans and leases to deposits | 78.5904% | 3,096 |
| Net loans and leases to core deposits | 80.1148% | 3,419 |
| Total domestic deposits to total assets | 81.3391% | 3,818 |
| Equity capital to assets | 18.2617% | 324 |
| Core capital (leverage) ratio | 18.0596% | 325 |
| Tier 1 risk-based capital ratio | 21.4251% | 1,109 |
| Total risk-based capital ratio | 21.8130% | 1,187 |
| Memoranda: | ||
| Average total assets | $42,131,400 | 5,071 |
| Average earning assets | $38,876,600 | 5,058 |
| Average equity | $7,425,200 | 4,687 |
| Average total loans | $24,115,200 | 4,968 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 420 |
| Cost of funding earning assets | 0.5145% | 3,100 |
| Net interest margin | 4.9152% | 307 |
| Noninterest income to average assets | 0.5402% | 2,617 |
| Noninterest expense to average assets | 2.7918% | 2,664 |
| Loan and lease loss provision to assets | 0.2826% | 533 |
| Net operating income to assets | 1.5011% | 1,188 |
| Return on assets (ROA) | 1.5011% | 1,185 |
| Pretax return on assets | 1.9659% | 682 |
| Return on Equity (ROE) | 8.5924% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.9973% | 3,236 |
| Net charge-offs to loans | 0.0339% | 2,407 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 119.3300% | 661 |
| Efficiency ratio | 55.3894% | 4,460 |
| Assets per employee ($millions) | 3.7516% | 4,235 |
| Cash dividends to net income (ytd only)* | 41.8408% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 5,118 |
| Loan loss allowance to noncurrent loans | 123.2143% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 3,176 |
| Noncurrent loans to loans | 0.4505% | 3,042 |
| Net loans and leases to total assets | 59.9108% | 3,852 |
| Net loans and leases to deposits | 73.7348% | 3,615 |
| Net loans and leases to core deposits | 75.1444% | 3,864 |
| Total domestic deposits to total assets | 81.2518% | 3,801 |
| Equity capital to assets | 18.3193% | 311 |
| Core capital (leverage) ratio | 17.7661% | 350 |
| Tier 1 risk-based capital ratio | 22.3808% | 1,001 |
| Total risk-based capital ratio | 22.7893% | 1,089 |
| Memoranda: | ||
| Average total assets | $42,455,750 | 5,131 |
| Average earning assets | $38,871,500 | 5,123 |
| Average equity | $7,417,250 | 4,736 |
| Average total loans | $23,584,500 | 5,043 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 461 |
| Cost of funding earning assets | 0.4756% | 3,190 |
| Net interest margin | 4.8328% | 347 |
| Noninterest income to average assets | 0.5181% | 2,760 |
| Noninterest expense to average assets | 2.7770% | 2,734 |
| Loan and lease loss provision to assets | 0.2800% | 514 |
| Net operating income to assets | 1.4328% | 1,330 |
| Return on assets (ROA) | 1.4328% | 1,330 |
| Pretax return on assets | 1.8716% | 833 |
| Return on Equity (ROE) | 8.3314% | 3,349 |
| Retained earnings to average equity (ytd only) | 2.9038% | 4,092 |
| Net charge-offs to loans | 0.0518% | 1,863 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 76.8333% | 840 |
| Efficiency ratio | 56.3447% | 4,434 |
| Assets per employee ($millions) | 3.9359% | 4,009 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 5,293 |
| Loan loss allowance to noncurrent loans | 77.6978% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 3,031 |
| Noncurrent loans to loans | 0.6087% | 2,587 |
| Net loans and leases to total assets | 52.4980% | 4,445 |
| Net loans and leases to deposits | 63.5847% | 4,310 |
| Net loans and leases to core deposits | 64.7236% | 4,447 |
| Total domestic deposits to total assets | 82.5638% | 3,546 |
| Equity capital to assets | 17.0782% | 396 |
| Core capital (leverage) ratio | 16.8670% | 412 |
| Tier 1 risk-based capital ratio | 22.8323% | 949 |
| Total risk-based capital ratio | 23.1658% | 1,030 |
| Memoranda: | ||
| Average total assets | $42,851,670 | 5,185 |
| Average earning assets | $39,108,000 | 5,176 |
| Average equity | $7,369,670 | 4,790 |
| Average total loans | $23,158,670 | 5,115 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 434 |
| Cost of funding earning assets | 0.4844% | 2,913 |
| Net interest margin | 4.7825% | 357 |
| Noninterest income to average assets | 0.5348% | 2,611 |
| Noninterest expense to average assets | 2.7774% | 2,782 |
| Loan and lease loss provision to assets | 0.2815% | 477 |
| Net operating income to assets | 1.2949% | 1,659 |
| Return on assets (ROA) | 1.2949% | 1,663 |
| Pretax return on assets | 1.8297% | 855 |
| Return on Equity (ROE) | 7.5025% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.5025% | 2,043 |
| Net charge-offs to loans | -0.0515% | 4,978 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8138% | 4,487 |
| Assets per employee ($millions) | 3.9884% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3847% | 5,442 |
| Loan loss allowance to noncurrent loans | 101.1628% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 3,666 |
| Noncurrent loans to loans | 0.3803% | 3,420 |
| Net loans and leases to total assets | 51.3517% | 4,477 |
| Net loans and leases to deposits | 62.1438% | 4,329 |
| Net loans and leases to core deposits | 63.2375% | 4,468 |
| Total domestic deposits to total assets | 82.6336% | 3,775 |
| Equity capital to assets | 16.9265% | 405 |
| Core capital (leverage) ratio | 17.1858% | 362 |
| Tier 1 risk-based capital ratio | 23.3317% | 913 |
| Total risk-based capital ratio | 23.6050% | 990 |
| Memoranda: | ||
| Average total assets | $42,630,000 | 5,244 |
| Average earning assets | $38,808,500 | 5,241 |
| Average equity | $7,357,500 | 4,840 |
| Average total loans | $23,319,500 | 5,165 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 331 |
| Cost of funding earning assets | 0.4396% | 2,875 |
| Net interest margin | 4.9204% | 271 |
| Noninterest income to average assets | 0.4922% | 3,047 |
| Noninterest expense to average assets | 2.9749% | 2,233 |
| Loan and lease loss provision to assets | 0.2137% | 928 |
| Net operating income to assets | 1.2389% | 1,396 |
| Return on assets (ROA) | 1.2389% | 1,413 |
| Pretax return on assets | 1.7912% | 810 |
| Return on Equity (ROE) | 7.0710% | 3,236 |
| Retained earnings to average equity (ytd only) | 1.5896% | 4,357 |
| Net charge-offs to loans | 0.5391% | 436 |
| Credit loss provision to net charge-offs | 71.7742% | 3,068 |
| Earnings coverage of net charge-offs (x) | 6.7339% | 3,143 |
| Efficiency ratio | 59.7396% | 4,299 |
| Assets per employee ($millions) | 3.7625% | 4,338 |
| Cash dividends to net income (ytd only)* | 77.5194% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2248% | 5,576 |
| Loan loss allowance to noncurrent loans | 10.8652% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 1,108 |
| Noncurrent loans to loans | 2.0689% | 730 |
| Net loans and leases to total assets | 57.9129% | 4,013 |
| Net loans and leases to deposits | 70.5552% | 3,828 |
| Net loans and leases to core deposits | 71.8818% | 4,055 |
| Total domestic deposits to total assets | 82.0818% | 3,853 |
| Equity capital to assets | 17.6114% | 347 |
| Core capital (leverage) ratio | 17.6156% | 323 |
| Tier 1 risk-based capital ratio | 22.0291% | 1,012 |
| Total risk-based capital ratio | 22.1923% | 1,134 |
| Memoranda: | ||
| Average total assets | $41,649,000 | 5,306 |
| Average earning assets | $37,985,000 | 5,303 |
| Average equity | $7,297,400 | 4,896 |
| Average total loans | $23,002,600 | 5,224 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3438% | 321 |
| Cost of funding earning assets | 0.4275% | 2,905 |
| Net interest margin | 4.9163% | 267 |
| Noninterest income to average assets | 0.4922% | 3,075 |
| Noninterest expense to average assets | 2.8479% | 2,570 |
| Loan and lease loss provision to assets | 0.1886% | 1,035 |
| Net operating income to assets | 1.3456% | 1,210 |
| Return on assets (ROA) | 1.3456% | 1,231 |
| Pretax return on assets | 1.9401% | 622 |
| Return on Equity (ROE) | 7.6898% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.0367% | 3,522 |
| Net charge-offs to loans | 0.3048% | 689 |
| Credit loss provision to net charge-offs | 113.4615% | 2,096 |
| Earnings coverage of net charge-offs (x) | 12.8080% | 2,399 |
| Efficiency ratio | 57.2254% | 4,592 |
| Assets per employee ($millions) | 3.7179% | 4,424 |
| Cash dividends to net income (ytd only)* | 47.5059% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4252% | 5,541 |
| Loan loss allowance to noncurrent loans | 67.1329% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,640 |
| Noncurrent loans to loans | 0.6333% | 2,809 |
| Net loans and leases to total assets | 54.9747% | 4,324 |
| Net loans and leases to deposits | 67.3910% | 4,155 |
| Net loans and leases to core deposits | 68.6776% | 4,320 |
| Total domestic deposits to total assets | 81.5757% | 3,900 |
| Equity capital to assets | 18.0820% | 330 |
| Core capital (leverage) ratio | 17.7092% | 321 |
| Tier 1 risk-based capital ratio | 23.2847% | 922 |
| Total risk-based capital ratio | 23.5870% | 989 |
| Memoranda: | ||
| Average total assets | $41,714,250 | 5,367 |
| Average earning assets | $38,049,000 | 5,361 |
| Average equity | $7,299,500 | 4,943 |
| Average total loans | $22,747,500 | 5,285 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 303 |
| Cost of funding earning assets | 0.4087% | 2,990 |
| Net interest margin | 4.9407% | 244 |
| Noninterest income to average assets | 0.5002% | 3,025 |
| Noninterest expense to average assets | 2.8199% | 2,679 |
| Loan and lease loss provision to assets | 0.1572% | 1,274 |
| Net operating income to assets | 1.4147% | 1,026 |
| Return on assets (ROA) | 1.4147% | 1,050 |
| Pretax return on assets | 2.0149% | 515 |
| Return on Equity (ROE) | 8.1732% | 2,929 |
| Retained earnings to average equity (ytd only) | 2.6694% | 4,105 |
| Net charge-offs to loans | 0.3070% | 660 |
| Credit loss provision to net charge-offs | 94.2857% | 2,098 |
| Earnings coverage of net charge-offs (x) | 13.0286% | 2,154 |
| Efficiency ratio | 56.4885% | 4,767 |
| Assets per employee ($millions) | 3.8874% | 4,148 |
| Cash dividends to net income (ytd only)* | 67.3401% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3946% | 5,614 |
| Loan loss allowance to noncurrent loans | 60.8392% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 3,784 |
| Noncurrent loans to loans | 0.6486% | 2,793 |
| Net loans and leases to total assets | 51.3529% | 4,621 |
| Net loans and leases to deposits | 62.0960% | 4,496 |
| Net loans and leases to core deposits | 63.2132% | 4,658 |
| Total domestic deposits to total assets | 82.6992% | 3,657 |
| Equity capital to assets | 17.0225% | 402 |
| Core capital (leverage) ratio | 17.1246% | 363 |
| Tier 1 risk-based capital ratio | 23.1425% | 930 |
| Total risk-based capital ratio | 23.4191% | 1,012 |
| Memoranda: | ||
| Average total assets | $41,986,670 | 5,409 |
| Average earning assets | $38,173,000 | 5,406 |
| Average equity | $7,267,670 | 4,969 |
| Average total loans | $22,803,670 | 5,326 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 257 |
| Cost of funding earning assets | 0.3922% | 3,082 |
| Net interest margin | 5.0452% | 211 |
| Noninterest income to average assets | 0.5289% | 2,772 |
| Noninterest expense to average assets | 2.8558% | 2,600 |
| Loan and lease loss provision to assets | 0.1442% | 1,298 |
| Net operating income to assets | 1.5577% | 735 |
| Return on assets (ROA) | 1.5577% | 755 |
| Pretax return on assets | 2.1058% | 406 |
| Return on Equity (ROE) | 8.9232% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.9232% | 1,109 |
| Net charge-offs to loans | 0.1035% | 1,340 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,054 |
| Efficiency ratio | 55.9322% | 4,943 |
| Assets per employee ($millions) | 3.8725% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4151% | 5,676 |
| Loan loss allowance to noncurrent loans | 74.2424% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 3,949 |
| Noncurrent loans to loans | 0.5591% | 3,128 |
| Net loans and leases to total assets | 55.1987% | 4,237 |
| Net loans and leases to deposits | 67.0230% | 4,086 |
| Net loans and leases to core deposits | 67.6011% | 4,321 |
| Total domestic deposits to total assets | 82.3579% | 4,071 |
| Equity capital to assets | 17.2407% | 362 |
| Core capital (leverage) ratio | 17.4778% | 326 |
| Tier 1 risk-based capital ratio | 21.8026% | 1,107 |
| Total risk-based capital ratio | 22.0936% | 1,218 |
| Memoranda: | ||
| Average total assets | $41,599,500 | 5,475 |
| Average earning assets | $37,738,500 | 5,468 |
| Average equity | $7,262,000 | 5,016 |
| Average total loans | $23,182,500 | 5,365 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 299 |
| Cost of funding earning assets | 0.3946% | 3,048 |
| Net interest margin | 4.9982% | 251 |
| Noninterest income to average assets | 0.5123% | 3,157 |
| Noninterest expense to average assets | 2.9114% | 2,633 |
| Loan and lease loss provision to assets | 0.1478% | 1,683 |
| Net operating income to assets | 1.4459% | 925 |
| Return on assets (ROA) | 1.4459% | 950 |
| Pretax return on assets | 2.0395% | 455 |
| Return on Equity (ROE) | 8.2043% | 2,831 |
| Retained earnings to average equity (ytd only) | 2.6136% | 4,032 |
| Net charge-offs to loans | 0.1908% | 1,450 |
| Credit loss provision to net charge-offs | 142.8571% | 1,921 |
| Earnings coverage of net charge-offs (x) | 21.1429% | 1,812 |
| Efficiency ratio | 57.1014% | 4,944 |
| Assets per employee ($millions) | 3.6911% | 4,494 |
| Cash dividends to net income (ytd only)* | 68.1431% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3911% | 5,741 |
| Loan loss allowance to noncurrent loans | 66.9173% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,969 |
| Noncurrent loans to loans | 0.5845% | 3,093 |
| Net loans and leases to total assets | 55.8224% | 4,279 |
| Net loans and leases to deposits | 68.0631% | 4,079 |
| Net loans and leases to core deposits | 68.6818% | 4,348 |
| Total domestic deposits to total assets | 82.0157% | 4,073 |
| Equity capital to assets | 17.6839% | 327 |
| Core capital (leverage) ratio | 17.5516% | 312 |
| Tier 1 risk-based capital ratio | 22.3106% | 1,039 |
| Total risk-based capital ratio | 22.5872% | 1,143 |
| Memoranda: | ||
| Average total assets | $40,598,400 | 5,528 |
| Average earning assets | $37,253,200 | 5,521 |
| Average equity | $7,154,800 | 5,066 |
| Average total loans | $22,012,200 | 5,444 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 320 |
| Cost of funding earning assets | 0.3959% | 3,056 |
| Net interest margin | 4.9714% | 264 |
| Noninterest income to average assets | 0.5255% | 3,074 |
| Noninterest expense to average assets | 2.7686% | 3,118 |
| Loan and lease loss provision to assets | 0.0985% | 2,253 |
| Net operating income to assets | 1.5896% | 745 |
| Return on assets (ROA) | 1.5896% | 786 |
| Pretax return on assets | 2.2365% | 358 |
| Return on Equity (ROE) | 9.0273% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.2971% | 2,628 |
| Net charge-offs to loans | 0.2077% | 1,126 |
| Credit loss provision to net charge-offs | 88.2353% | 2,559 |
| Earnings coverage of net charge-offs (x) | 20.9129% | 1,843 |
| Efficiency ratio | 54.2471% | 5,218 |
| Assets per employee ($millions) | 3.6927% | 4,490 |
| Cash dividends to net income (ytd only)* | 41.3221% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3112% | 5,849 |
| Loan loss allowance to noncurrent loans | 83.7500% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 4,644 |
| Noncurrent loans to loans | 0.3715% | 3,934 |
| Net loans and leases to total assets | 52.8434% | 4,585 |
| Net loans and leases to deposits | 64.6011% | 4,446 |
| Net loans and leases to core deposits | 65.1897% | 4,658 |
| Total domestic deposits to total assets | 81.7996% | 4,003 |
| Equity capital to assets | 17.9197% | 350 |
| Core capital (leverage) ratio | 17.8990% | 311 |
| Tier 1 risk-based capital ratio | 23.3691% | 962 |
| Total risk-based capital ratio | 23.5842% | 1,070 |
| Memoranda: | ||
| Average total assets | $40,597,500 | 5,588 |
| Average earning assets | $37,386,500 | 5,575 |
| Average equity | $7,148,500 | 5,113 |
| Average total loans | $21,826,750 | 5,505 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 294 |
| Cost of funding earning assets | 0.3939% | 3,109 |
| Net interest margin | 5.0144% | 247 |
| Noninterest income to average assets | 0.5272% | 3,025 |
| Noninterest expense to average assets | 2.7347% | 3,256 |
| Loan and lease loss provision to assets | 0.0739% | 2,663 |
| Net operating income to assets | 1.6802% | 600 |
| Return on assets (ROA) | 1.6802% | 641 |
| Pretax return on assets | 2.3602% | 275 |
| Return on Equity (ROE) | 9.5989% | 2,233 |
| Retained earnings to average equity (ytd only) | 3.9690% | 3,374 |
| Net charge-offs to loans | 0.1460% | 1,451 |
| Credit loss provision to net charge-offs | 93.7500% | 2,198 |
| Earnings coverage of net charge-offs (x) | 30.8750% | 1,372 |
| Efficiency ratio | 52.9075% | 5,391 |
| Assets per employee ($millions) | 3.7076% | 4,428 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3259% | 5,927 |
| Loan loss allowance to noncurrent loans | 47.9452% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 4,049 |
| Noncurrent loans to loans | 0.6798% | 3,032 |
| Net loans and leases to total assets | 52.4912% | 4,628 |
| Net loans and leases to deposits | 63.8073% | 4,504 |
| Net loans and leases to core deposits | 64.3830% | 4,718 |
| Total domestic deposits to total assets | 82.2651% | 3,917 |
| Equity capital to assets | 17.4946% | 381 |
| Core capital (leverage) ratio | 17.0478% | 364 |
| Tier 1 risk-based capital ratio | 22.6407% | 1,058 |
| Total risk-based capital ratio | 22.8629% | 1,167 |
| Memoranda: | ||
| Average total assets | $40,590,000 | 5,651 |
| Average earning assets | $37,572,000 | 5,640 |
| Average equity | $7,105,000 | 5,174 |
| Average total loans | $21,925,000 | 5,562 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4154% | 289 |
| Cost of funding earning assets | 0.3929% | 3,160 |
| Net interest margin | 5.0225% | 238 |
| Noninterest income to average assets | 0.5631% | 2,726 |
| Noninterest expense to average assets | 2.7560% | 3,216 |
| Loan and lease loss provision to assets | 0.0494% | 2,941 |
| Net operating income to assets | 1.8176% | 457 |
| Return on assets (ROA) | 1.8176% | 488 |
| Pretax return on assets | 2.4300% | 267 |
| Return on Equity (ROE) | 10.3808% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.3808% | 768 |
| Net charge-offs to loans | 0.2348% | 871 |
| Credit loss provision to net charge-offs | 38.4615% | 2,156 |
| Earnings coverage of net charge-offs (x) | 19.3077% | 1,511 |
| Efficiency ratio | 52.6415% | 5,474 |
| Assets per employee ($millions) | 3.7464% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2824% | 6,013 |
| Loan loss allowance to noncurrent loans | 9.3195% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.6404% | 1,203 |
| Noncurrent loans to loans | 3.0307% | 528 |
| Net loans and leases to total assets | 53.9723% | 4,457 |
| Net loans and leases to deposits | 65.6184% | 4,293 |
| Net loans and leases to core deposits | 66.2043% | 4,523 |
| Total domestic deposits to total assets | 82.2519% | 4,129 |
| Equity capital to assets | 17.4205% | 385 |
| Core capital (leverage) ratio | 17.5965% | 325 |
| Tier 1 risk-based capital ratio | 22.6267% | 1,070 |
| Total risk-based capital ratio | 22.8253% | 1,201 |
| Memoranda: | ||
| Average total assets | $40,493,000 | 5,711 |
| Average earning assets | $37,670,500 | 5,692 |
| Average equity | $7,090,000 | 5,216 |
| Average total loans | $22,148,500 | 5,610 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 428 |
| Cost of funding earning assets | 0.4016% | 3,141 |
| Net interest margin | 4.8004% | 373 |
| Noninterest income to average assets | 0.5623% | 2,952 |
| Noninterest expense to average assets | 2.8608% | 2,991 |
| Loan and lease loss provision to assets | 0.0740% | 2,792 |
| Net operating income to assets | 1.5488% | 786 |
| Return on assets (ROA) | 1.5488% | 811 |
| Pretax return on assets | 2.1086% | 420 |
| Return on Equity (ROE) | 9.1144% | 2,404 |
| Retained earnings to average equity (ytd only) | 4.7604% | 2,605 |
| Net charge-offs to loans | 0.1402% | 1,944 |
| Credit loss provision to net charge-offs | 107.1429% | 2,348 |
| Earnings coverage of net charge-offs (x) | 31.6071% | 1,400 |
| Efficiency ratio | 56.7237% | 5,278 |
| Assets per employee ($millions) | 3.6160% | 4,617 |
| Cash dividends to net income (ytd only)* | 47.7707% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3228% | 6,045 |
| Loan loss allowance to noncurrent loans | 11.8928% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 1.5009% | 1,346 |
| Noncurrent loans to loans | 2.7146% | 645 |
| Net loans and leases to total assets | 55.1111% | 4,375 |
| Net loans and leases to deposits | 68.4197% | 4,091 |
| Net loans and leases to core deposits | 69.0664% | 4,372 |
| Total domestic deposits to total assets | 80.5486% | 4,598 |
| Equity capital to assets | 17.6011% | 345 |
| Core capital (leverage) ratio | 17.7564% | 294 |
| Tier 1 risk-based capital ratio | 22.1831% | 1,123 |
| Total risk-based capital ratio | 22.4081% | 1,249 |
| Memoranda: | ||
| Average total assets | $40,548,800 | 5,754 |
| Average earning assets | $37,851,200 | 5,730 |
| Average equity | $6,890,200 | 5,266 |
| Average total loans | $19,971,800 | 5,719 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 456 |
| Cost of funding earning assets | 0.4075% | 3,149 |
| Net interest margin | 4.7670% | 402 |
| Noninterest income to average assets | 0.5203% | 3,221 |
| Noninterest expense to average assets | 2.7129% | 3,517 |
| Loan and lease loss provision to assets | 0.0655% | 2,876 |
| Net operating income to assets | 1.6003% | 769 |
| Return on assets (ROA) | 1.6003% | 800 |
| Pretax return on assets | 2.1828% | 435 |
| Return on Equity (ROE) | 9.5006% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.5864% | 1,897 |
| Net charge-offs to loans | 0.1438% | 1,685 |
| Credit loss provision to net charge-offs | 95.2381% | 2,384 |
| Earnings coverage of net charge-offs (x) | 32.7136% | 1,412 |
| Efficiency ratio | 54.6834% | 5,466 |
| Assets per employee ($millions) | 3.5822% | 4,643 |
| Cash dividends to net income (ytd only)* | 30.6758% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3499% | 6,114 |
| Loan loss allowance to noncurrent loans | 45.6376% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 4,252 |
| Noncurrent loans to loans | 0.7667% | 3,049 |
| Net loans and leases to total assets | 49.1473% | 5,007 |
| Net loans and leases to deposits | 59.9882% | 4,860 |
| Net loans and leases to core deposits | 60.5509% | 5,028 |
| Total domestic deposits to total assets | 81.9282% | 4,187 |
| Equity capital to assets | 17.7875% | 360 |
| Core capital (leverage) ratio | 17.1556% | 366 |
| Tier 1 risk-based capital ratio | 23.3937% | 1,014 |
| Total risk-based capital ratio | 23.6211% | 1,121 |
| Memoranda: | ||
| Average total assets | $40,742,000 | 5,824 |
| Average earning assets | $37,954,500 | 5,808 |
| Average equity | $6,862,500 | 5,336 |
| Average total loans | $19,466,750 | 5,813 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 452 |
| Cost of funding earning assets | 0.4121% | 3,135 |
| Net interest margin | 4.7518% | 401 |
| Noninterest income to average assets | 0.5196% | 3,226 |
| Noninterest expense to average assets | 2.6950% | 3,607 |
| Loan and lease loss provision to assets | 0.0728% | 2,652 |
| Net operating income to assets | 1.6073% | 734 |
| Return on assets (ROA) | 1.6073% | 760 |
| Pretax return on assets | 2.1754% | 436 |
| Return on Equity (ROE) | 9.7158% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.3128% | 2,662 |
| Net charge-offs to loans | 0.1848% | 1,349 |
| Credit loss provision to net charge-offs | 83.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 25.7222% | 1,512 |
| Efficiency ratio | 54.5187% | 5,542 |
| Assets per employee ($millions) | 3.7414% | 4,342 |
| Cash dividends to net income (ytd only)* | 45.3172% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3480% | 6,189 |
| Loan loss allowance to noncurrent loans | 39.7590% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 4,293 |
| Noncurrent loans to loans | 0.8753% | 2,939 |
| Net loans and leases to total assets | 45.9191% | 5,250 |
| Net loans and leases to deposits | 55.2250% | 5,176 |
| Net loans and leases to core deposits | 56.3783% | 5,286 |
| Total domestic deposits to total assets | 83.1491% | 3,886 |
| Equity capital to assets | 16.7051% | 447 |
| Core capital (leverage) ratio | 16.2984% | 428 |
| Tier 1 risk-based capital ratio | 21.3350% | 1,304 |
| Total risk-based capital ratio | 21.5398% | 1,463 |
| Memoranda: | ||
| Average total assets | $41,188,000 | 5,877 |
| Average earning assets | $38,343,330 | 5,857 |
| Average equity | $6,813,670 | 5,392 |
| Average total loans | $19,477,670 | 5,870 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 394 |
| Cost of funding earning assets | 0.4050% | 3,248 |
| Net interest margin | 4.8189% | 338 |
| Noninterest income to average assets | 0.5630% | 2,867 |
| Noninterest expense to average assets | 2.8152% | 3,198 |
| Loan and lease loss provision to assets | 0.1456% | 1,392 |
| Net operating income to assets | 1.6212% | 692 |
| Return on assets (ROA) | 1.6212% | 723 |
| Pretax return on assets | 2.1066% | 477 |
| Return on Equity (ROE) | 9.8481% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.8481% | 966 |
| Net charge-offs to loans | 0.3648% | 673 |
| Credit loss provision to net charge-offs | 83.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,760 |
| Efficiency ratio | 55.5556% | 5,552 |
| Assets per employee ($millions) | 3.8546% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3404% | 6,269 |
| Loan loss allowance to noncurrent loans | 60.9091% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 4,908 |
| Noncurrent loans to loans | 0.5589% | 3,909 |
| Net loans and leases to total assets | 46.2583% | 5,184 |
| Net loans and leases to deposits | 55.2258% | 5,105 |
| Net loans and leases to core deposits | 56.3362% | 5,232 |
| Total domestic deposits to total assets | 83.7622% | 3,905 |
| Equity capital to assets | 16.1883% | 523 |
| Core capital (leverage) ratio | 16.6195% | 402 |
| Tier 1 risk-based capital ratio | 21.4957% | 1,327 |
| Total risk-based capital ratio | 21.4957% | 1,536 |
| Memoranda: | ||
| Average total assets | $41,204,500 | 5,934 |
| Average earning assets | $38,515,000 | 5,905 |
| Average equity | $6,783,000 | 5,440 |
| Average total loans | $19,734,500 | 5,908 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 852 |
| Cost of funding earning assets | 0.4313% | 3,369 |
| Net interest margin | 4.5178% | 723 |
| Noninterest income to average assets | 0.3415% | 4,659 |
| Noninterest expense to average assets | 2.9104% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2881% | 1,332 |
| Return on assets (ROA) | 1.2881% | 1,382 |
| Pretax return on assets | 1.6223% | 1,171 |
| Return on Equity (ROE) | 7.9713% | 3,149 |
| Retained earnings to average equity (ytd only) | 3.4421% | 3,761 |
| Net charge-offs to loans | 0.0564% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 736 |
| Efficiency ratio | 64.2088% | 4,562 |
| Assets per employee ($millions) | 3.3340% | 5,214 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3487% | 6,352 |
| Loan loss allowance to noncurrent loans | 83.1325% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 5,195 |
| Noncurrent loans to loans | 0.4194% | 4,383 |
| Net loans and leases to total assets | 49.2876% | 5,039 |
| Net loans and leases to deposits | 59.2482% | 4,960 |
| Net loans and leases to core deposits | 60.5211% | 5,098 |
| Total domestic deposits to total assets | 83.1884% | 4,010 |
| Equity capital to assets | 16.7516% | 445 |
| Core capital (leverage) ratio | 16.1548% | 453 |
| Tier 1 risk-based capital ratio | 21.9414% | 1,232 |
| Total risk-based capital ratio | 22.1673% | 1,394 |
| Memoranda: | ||
| Average total assets | $40,991,600 | 6,010 |
| Average earning assets | $38,027,400 | 5,986 |
| Average equity | $6,623,800 | 5,499 |
| Average total loans | $17,717,400 | 6,056 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 865 |
| Cost of funding earning assets | 0.4341% | 3,427 |
| Net interest margin | 4.5024% | 732 |
| Noninterest income to average assets | 0.4914% | 3,605 |
| Noninterest expense to average assets | 2.7289% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4743% | 984 |
| Return on assets (ROA) | 1.4743% | 1,015 |
| Pretax return on assets | 1.9205% | 684 |
| Return on Equity (ROE) | 9.2059% | 2,585 |
| Retained earnings to average equity (ytd only) | 6.1777% | 2,286 |
| Net charge-offs to loans | -0.0077% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6926% | 5,352 |
| Assets per employee ($millions) | 3.4318% | 4,994 |
| Cash dividends to net income (ytd only)* | 32.8958% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4742% | 6,365 |
| Loan loss allowance to noncurrent loans | 58.3942% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 4,937 |
| Noncurrent loans to loans | 0.8121% | 3,550 |
| Net loans and leases to total assets | 40.7702% | 5,770 |
| Net loans and leases to deposits | 48.7854% | 5,717 |
| Net loans and leases to core deposits | 49.7983% | 5,800 |
| Total domestic deposits to total assets | 83.5705% | 3,928 |
| Equity capital to assets | 16.3688% | 512 |
| Core capital (leverage) ratio | 16.3708% | 432 |
| Tier 1 risk-based capital ratio | 23.6211% | 1,032 |
| Total risk-based capital ratio | 23.9015% | 1,149 |
| Memoranda: | ||
| Average total assets | $41,237,500 | 6,081 |
| Average earning assets | $38,082,250 | 6,051 |
| Average equity | $6,604,250 | 5,554 |
| Average total loans | $17,199,750 | 6,142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 762 |
| Cost of funding earning assets | 0.4403% | 3,438 |
| Net interest margin | 4.5546% | 634 |
| Noninterest income to average assets | 0.5139% | 3,380 |
| Noninterest expense to average assets | 2.7438% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5367% | 818 |
| Return on assets (ROA) | 1.5367% | 853 |
| Pretax return on assets | 1.9827% | 581 |
| Return on Equity (ROE) | 9.6666% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.0925% | 2,902 |
| Net charge-offs to loans | -0.1733% | 6,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0513% | 5,551 |
| Assets per employee ($millions) | 3.3962% | 5,065 |
| Cash dividends to net income (ytd only)* | 47.3186% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 6,365 |
| Loan loss allowance to noncurrent loans | 53.1073% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 4,711 |
| Noncurrent loans to loans | 1.0287% | 3,177 |
| Net loans and leases to total assets | 41.9910% | 5,679 |
| Net loans and leases to deposits | 50.1745% | 5,624 |
| Net loans and leases to core deposits | 51.2872% | 5,716 |
| Total domestic deposits to total assets | 83.6899% | 4,036 |
| Equity capital to assets | 16.2438% | 507 |
| Core capital (leverage) ratio | 15.6954% | 519 |
| Tier 1 risk-based capital ratio | 22.8812% | 1,129 |
| Total risk-based capital ratio | 23.2061% | 1,243 |
| Memoranda: | ||
| Average total assets | $41,256,000 | 6,134 |
| Average earning assets | $38,159,330 | 6,104 |
| Average equity | $6,558,670 | 5,593 |
| Average total loans | $17,309,670 | 6,186 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 577 |
| Cost of funding earning assets | 0.4386% | 3,548 |
| Net interest margin | 4.6786% | 485 |
| Noninterest income to average assets | 0.5397% | 3,111 |
| Noninterest expense to average assets | 2.7080% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7057% | 571 |
| Return on assets (ROA) | 1.7057% | 586 |
| Pretax return on assets | 2.1490% | 390 |
| Return on Equity (ROE) | 10.8456% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.8456% | 771 |
| Net charge-offs to loans | -0.4608% | 6,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7540% | 5,861 |
| Assets per employee ($millions) | 3.5558% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 6,420 |
| Loan loss allowance to noncurrent loans | 68.7500% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 5,134 |
| Noncurrent loans to loans | 0.8580% | 3,748 |
| Net loans and leases to total assets | 39.1024% | 5,871 |
| Net loans and leases to deposits | 46.3408% | 5,829 |
| Net loans and leases to core deposits | 47.3132% | 5,911 |
| Total domestic deposits to total assets | 84.3801% | 4,133 |
| Equity capital to assets | 15.5050% | 597 |
| Core capital (leverage) ratio | 15.6045% | 526 |
| Tier 1 risk-based capital ratio | 22.7377% | 1,176 |
| Total risk-based capital ratio | 23.0780% | 1,294 |
| Memoranda: | ||
| Average total assets | $41,507,000 | 6,178 |
| Average earning assets | $38,302,000 | 6,158 |
| Average equity | $6,528,000 | 5,630 |
| Average total loans | $17,361,000 | 6,244 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 891 |
| Cost of funding earning assets | 0.4834% | 3,784 |
| Net interest margin | 4.5332% | 687 |
| Noninterest income to average assets | 0.4906% | 3,815 |
| Noninterest expense to average assets | 2.8437% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4018% | 1,021 |
| Return on assets (ROA) | 1.4018% | 1,061 |
| Pretax return on assets | 1.8023% | 757 |
| Return on Equity (ROE) | 8.7860% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.0792% | 3,279 |
| Net charge-offs to loans | 0.0617% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 593 |
| Efficiency ratio | 61.2069% | 5,329 |
| Assets per employee ($millions) | 3.6676% | 4,556 |
| Cash dividends to net income (ytd only)* | 53.5714% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4404% | 6,614 |
| Loan loss allowance to noncurrent loans | 138.5965% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,897 |
| Noncurrent loans to loans | 0.3178% | 5,235 |
| Net loans and leases to total assets | 44.2668% | 5,654 |
| Net loans and leases to deposits | 52.8498% | 5,558 |
| Net loans and leases to core deposits | 54.0330% | 5,669 |
| Total domestic deposits to total assets | 83.7597% | 4,260 |
| Equity capital to assets | 15.9627% | 527 |
| Core capital (leverage) ratio | 16.0879% | 461 |
| Tier 1 risk-based capital ratio | 21.9803% | 1,260 |
| Total risk-based capital ratio | 22.2499% | 1,401 |
| Memoranda: | ||
| Average total assets | $39,948,200 | 6,288 |
| Average earning assets | $36,619,000 | 6,266 |
| Average equity | $6,373,800 | 5,720 |
| Average total loans | $16,202,400 | 6,362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 911 |
| Cost of funding earning assets | 0.4933% | 3,840 |
| Net interest margin | 4.5238% | 709 |
| Noninterest income to average assets | 0.4818% | 3,928 |
| Noninterest expense to average assets | 2.7135% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4789% | 931 |
| Return on assets (ROA) | 1.4789% | 978 |
| Pretax return on assets | 1.9105% | 692 |
| Return on Equity (ROE) | 9.2700% | 2,509 |
| Retained earnings to average equity (ytd only) | 6.1240% | 2,331 |
| Net charge-offs to loans | 0.0507% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 95.1638% | 515 |
| Efficiency ratio | 58.6831% | 5,602 |
| Assets per employee ($millions) | 3.6046% | 4,647 |
| Cash dividends to net income (ytd only)* | 33.9374% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5319% | 6,628 |
| Loan loss allowance to noncurrent loans | 133.8710% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 5,969 |
| Noncurrent loans to loans | 0.3973% | 5,200 |
| Net loans and leases to total assets | 39.1466% | 6,095 |
| Net loans and leases to deposits | 46.9325% | 6,043 |
| Net loans and leases to core deposits | 48.0067% | 6,125 |
| Total domestic deposits to total assets | 83.4103% | 4,409 |
| Equity capital to assets | 16.3375% | 491 |
| Core capital (leverage) ratio | 16.3380% | 447 |
| Tier 1 risk-based capital ratio | 23.4600% | 1,076 |
| Total risk-based capital ratio | 23.7605% | 1,203 |
| Memoranda: | ||
| Average total assets | $39,849,250 | 6,365 |
| Average earning assets | $36,487,500 | 6,342 |
| Average equity | $6,357,250 | 5,792 |
| Average total loans | $15,768,500 | 6,447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 860 |
| Cost of funding earning assets | 0.5039% | 3,859 |
| Net interest margin | 4.5353% | 668 |
| Noninterest income to average assets | 0.4860% | 3,926 |
| Noninterest expense to average assets | 2.7358% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5032% | 892 |
| Return on assets (ROA) | 1.5032% | 963 |
| Pretax return on assets | 1.8990% | 751 |
| Return on Equity (ROE) | 9.4982% | 2,420 |
| Retained earnings to average equity (ytd only) | 4.7491% | 3,229 |
| Net charge-offs to loans | 0.0758% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 63.1667% | 677 |
| Efficiency ratio | 59.0270% | 5,599 |
| Assets per employee ($millions) | 3.6355% | 4,540 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 6,696 |
| Loan loss allowance to noncurrent loans | 36.8889% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 4,840 |
| Noncurrent loans to loans | 1.3937% | 3,212 |
| Net loans and leases to total assets | 40.1625% | 6,029 |
| Net loans and leases to deposits | 47.8063% | 5,989 |
| Net loans and leases to core deposits | 48.2950% | 6,115 |
| Total domestic deposits to total assets | 84.0110% | 4,313 |
| Equity capital to assets | 15.8440% | 551 |
| Core capital (leverage) ratio | 15.5412% | 514 |
| Tier 1 risk-based capital ratio | 22.4458% | 1,210 |
| Total risk-based capital ratio | 22.7398% | 1,360 |
| Memoranda: | ||
| Average total assets | $39,915,330 | 6,405 |
| Average earning assets | $36,513,670 | 6,382 |
| Average equity | $6,317,000 | 5,847 |
| Average total loans | $15,823,000 | 6,484 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 713 |
| Cost of funding earning assets | 0.5287% | 3,797 |
| Net interest margin | 4.5928% | 567 |
| Noninterest income to average assets | 0.5116% | 3,701 |
| Noninterest expense to average assets | 2.6982% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7253% | 548 |
| Return on assets (ROA) | 1.7253% | 605 |
| Pretax return on assets | 1.9961% | 597 |
| Return on Equity (ROE) | 10.9076% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.9076% | 898 |
| Net charge-offs to loans | 0.0511% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 382 |
| Efficiency ratio | 57.4786% | 5,904 |
| Assets per employee ($millions) | 3.7528% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 6,747 |
| Loan loss allowance to noncurrent loans | 19.9541% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 3,820 |
| Noncurrent loans to loans | 2.7890% | 1,819 |
| Net loans and leases to total assets | 37.6590% | 6,170 |
| Net loans and leases to deposits | 44.6250% | 6,152 |
| Net loans and leases to core deposits | 45.0648% | 6,261 |
| Total domestic deposits to total assets | 84.3899% | 4,318 |
| Equity capital to assets | 15.4817% | 642 |
| Core capital (leverage) ratio | 15.7019% | 491 |
| Tier 1 risk-based capital ratio | 22.7147% | 1,202 |
| Total risk-based capital ratio | 23.0239% | 1,349 |
| Memoranda: | ||
| Average total assets | $39,878,000 | 6,462 |
| Average earning assets | $36,317,500 | 6,457 |
| Average equity | $6,307,500 | 5,910 |
| Average total loans | $15,662,500 | 6,549 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 1,018 |
| Cost of funding earning assets | 0.7084% | 3,433 |
| Net interest margin | 4.5419% | 872 |
| Noninterest income to average assets | 0.4670% | 4,125 |
| Noninterest expense to average assets | 2.9046% | 3,613 |
| Loan and lease loss provision to assets | 0.0385% | 5,394 |
| Net operating income to assets | 1.2983% | 1,305 |
| Return on assets (ROA) | 1.2983% | 1,453 |
| Pretax return on assets | 1.6037% | 1,377 |
| Return on Equity (ROE) | 8.2050% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.3404% | 3,871 |
| Net charge-offs to loans | 0.1490% | 4,200 |
| Credit loss provision to net charge-offs | 68.1818% | 4,219 |
| Earnings coverage of net charge-offs (x) | 29.0909% | 1,030 |
| Efficiency ratio | 63.8826% | 4,904 |
| Assets per employee ($millions) | 3.2063% | 5,607 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 6,795 |
| Loan loss allowance to noncurrent loans | 30.3754% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 4,565 |
| Noncurrent loans to loans | 1.8672% | 2,839 |
| Net loans and leases to total assets | 40.5536% | 6,136 |
| Net loans and leases to deposits | 48.4445% | 6,077 |
| Net loans and leases to core deposits | 48.9613% | 6,211 |
| Total domestic deposits to total assets | 83.7115% | 4,437 |
| Equity capital to assets | 16.1767% | 524 |
| Core capital (leverage) ratio | 16.0297% | 452 |
| Tier 1 risk-based capital ratio | 22.3194% | 1,208 |
| Total risk-based capital ratio | 22.6386% | 1,359 |
| Memoranda: | ||
| Average total assets | $38,973,000 | 6,535 |
| Average earning assets | $35,007,200 | 6,531 |
| Average equity | $6,167,000 | 5,979 |
| Average total loans | $14,765,400 | 6,674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 1,271 |
| Cost of funding earning assets | 0.7181% | 3,612 |
| Net interest margin | 4.4454% | 1,099 |
| Noninterest income to average assets | 0.4774% | 4,080 |
| Noninterest expense to average assets | 2.7554% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3948% | 1,240 |
| Return on assets (ROA) | 1.3948% | 1,365 |
| Pretax return on assets | 1.7119% | 1,234 |
| Return on Equity (ROE) | 8.8630% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.6124% | 2,951 |
| Net charge-offs to loans | 0.0184% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 250.6816% | 183 |
| Efficiency ratio | 61.6794% | 5,208 |
| Assets per employee ($millions) | 3.2113% | 5,614 |
| Cash dividends to net income (ytd only)* | 36.6757% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6610% | 6,793 |
| Loan loss allowance to noncurrent loans | 25.2011% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 4,349 |
| Noncurrent loans to loans | 2.6229% | 2,169 |
| Net loans and leases to total assets | 36.6592% | 6,511 |
| Net loans and leases to deposits | 43.8618% | 6,511 |
| Net loans and leases to core deposits | 44.3297% | 6,582 |
| Total domestic deposits to total assets | 83.5790% | 4,399 |
| Equity capital to assets | 16.2913% | 557 |
| Core capital (leverage) ratio | 16.1040% | 467 |
| Tier 1 risk-based capital ratio | 23.4376% | 1,105 |
| Total risk-based capital ratio | 23.7885% | 1,219 |
| Memoranda: | ||
| Average total assets | $39,097,500 | 6,615 |
| Average earning assets | $35,091,750 | 6,612 |
| Average equity | $6,152,750 | 6,052 |
| Average total loans | $14,533,750 | 6,769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 1,204 |
| Cost of funding earning assets | 0.7252% | 3,806 |
| Net interest margin | 4.4929% | 1,005 |
| Noninterest income to average assets | 0.4887% | 3,998 |
| Noninterest expense to average assets | 2.7237% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4815% | 1,022 |
| Return on assets (ROA) | 1.4815% | 1,145 |
| Pretax return on assets | 1.8022% | 1,037 |
| Return on Equity (ROE) | 9.5238% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.6146% | 3,542 |
| Net charge-offs to loans | 0.0273% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 261 |
| Efficiency ratio | 60.1800% | 5,545 |
| Assets per employee ($millions) | 3.3092% | 5,428 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 6,868 |
| Loan loss allowance to noncurrent loans | 59.4937% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 5,787 |
| Noncurrent loans to loans | 1.1142% | 4,293 |
| Net loans and leases to total assets | 35.4747% | 6,639 |
| Net loans and leases to deposits | 42.0357% | 6,646 |
| Net loans and leases to core deposits | 42.4922% | 6,713 |
| Total domestic deposits to total assets | 84.3918% | 4,147 |
| Equity capital to assets | 15.4999% | 677 |
| Core capital (leverage) ratio | 15.6088% | 513 |
| Tier 1 risk-based capital ratio | 22.7239% | 1,168 |
| Total risk-based capital ratio | 23.0710% | 1,304 |
| Memoranda: | ||
| Average total assets | $39,284,670 | 6,658 |
| Average earning assets | $35,300,000 | 6,646 |
| Average equity | $6,111,000 | 6,087 |
| Average total loans | $14,638,000 | 6,818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 1,121 |
| Cost of funding earning assets | 0.7310% | 4,017 |
| Net interest margin | 4.5573% | 897 |
| Noninterest income to average assets | 0.5221% | 3,768 |
| Noninterest expense to average assets | 2.8358% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5459% | 948 |
| Return on assets (ROA) | 1.5459% | 1,062 |
| Pretax return on assets | 1.7711% | 1,146 |
| Return on Equity (ROE) | 9.9195% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.9195% | 1,287 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5556% | 5,359 |
| Assets per employee ($millions) | 3.3433% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 6,963 |
| Loan loss allowance to noncurrent loans | 61.1465% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 5,892 |
| Noncurrent loans to loans | 1.0158% | 4,647 |
| Net loans and leases to total assets | 38.2861% | 6,474 |
| Net loans and leases to deposits | 45.3017% | 6,476 |
| Net loans and leases to core deposits | 45.7879% | 6,582 |
| Total domestic deposits to total assets | 84.5136% | 4,265 |
| Equity capital to assets | 15.3668% | 686 |
| Core capital (leverage) ratio | 15.7451% | 496 |
| Tier 1 risk-based capital ratio | 21.7322% | 1,330 |
| Total risk-based capital ratio | 22.0706% | 1,491 |
| Memoranda: | ||
| Average total assets | $39,072,000 | 6,714 |
| Average earning assets | $35,020,500 | 6,709 |
| Average equity | $6,089,000 | 6,120 |
| Average total loans | $14,866,500 | 6,867 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4734% | 1,231 |
| Cost of funding earning assets | 0.9357% | 3,835 |
| Net interest margin | 4.5377% | 1,051 |
| Noninterest income to average assets | 0.5378% | 3,597 |
| Noninterest expense to average assets | 2.8921% | 3,987 |
| Loan and lease loss provision to assets | 0.0527% | 5,929 |
| Net operating income to assets | 1.3037% | 1,243 |
| Return on assets (ROA) | 1.3366% | 1,250 |
| Pretax return on assets | 1.7136% | 961 |
| Return on Equity (ROE) | 8.5790% | 2,642 |
| Retained earnings to average equity (ytd only) | 3.5027% | 3,731 |
| Net charge-offs to loans | 0.1347% | 5,069 |
| Credit loss provision to net charge-offs | 105.2632% | 3,257 |
| Earnings coverage of net charge-offs (x) | 34.4211% | 754 |
| Efficiency ratio | 62.6499% | 5,361 |
| Assets per employee ($millions) | 3.1688% | 5,775 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 6,940 |
| Loan loss allowance to noncurrent loans | 54.8571% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 5,816 |
| Noncurrent loans to loans | 1.2257% | 4,321 |
| Net loans and leases to total assets | 37.2939% | 6,680 |
| Net loans and leases to deposits | 44.3836% | 6,704 |
| Net loans and leases to core deposits | 44.8894% | 6,776 |
| Total domestic deposits to total assets | 84.0263% | 4,304 |
| Equity capital to assets | 15.8133% | 607 |
| Core capital (leverage) ratio | 15.7441% | 493 |
| Tier 1 risk-based capital ratio | 22.5282% | 1,159 |
| Total risk-based capital ratio | 22.8879% | 1,260 |
| Memoranda: | ||
| Average total assets | $37,930,800 | 6,744 |
| Average earning assets | $34,092,400 | 6,750 |
| Average equity | $5,909,800 | 6,180 |
| Average total loans | $14,107,200 | 6,946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 1,698 |
| Cost of funding earning assets | 0.9815% | 3,805 |
| Net interest margin | 4.3638% | 1,515 |
| Noninterest income to average assets | 0.5417% | 3,573 |
| Noninterest expense to average assets | 2.7364% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3419% | 1,284 |
| Return on assets (ROA) | 1.3858% | 1,265 |
| Pretax return on assets | 1.7868% | 978 |
| Return on Equity (ROE) | 8.9279% | 2,631 |
| Retained earnings to average equity (ytd only) | 5.5291% | 2,843 |
| Net charge-offs to loans | 0.0853% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 54.6650% | 598 |
| Efficiency ratio | 61.2598% | 5,526 |
| Assets per employee ($millions) | 3.1770% | 5,734 |
| Cash dividends to net income (ytd only)* | 38.0720% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,003 |
| Loan loss allowance to noncurrent loans | 78.1818% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,336 |
| Noncurrent loans to loans | 0.8594% | 5,143 |
| Net loans and leases to total assets | 33.3464% | 6,985 |
| Net loans and leases to deposits | 39.7207% | 6,981 |
| Net loans and leases to core deposits | 40.1725% | 7,035 |
| Total domestic deposits to total assets | 83.9524% | 4,251 |
| Equity capital to assets | 15.8745% | 654 |
| Core capital (leverage) ratio | 15.7773% | 533 |
| Tier 1 risk-based capital ratio | 23.8277% | 1,033 |
| Total risk-based capital ratio | 24.1663% | 1,137 |
| Memoranda: | ||
| Average total assets | $37,907,250 | 6,803 |
| Average earning assets | $34,097,500 | 6,809 |
| Average equity | $5,884,000 | 6,225 |
| Average total loans | $14,064,750 | 7,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 1,627 |
| Cost of funding earning assets | 1.0315% | 3,735 |
| Net interest margin | 4.3475% | 1,518 |
| Noninterest income to average assets | 0.5339% | 3,607 |
| Noninterest expense to average assets | 2.7488% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3902% | 1,104 |
| Return on assets (ROA) | 1.3902% | 1,169 |
| Pretax return on assets | 1.7286% | 991 |
| Return on Equity (ROE) | 9.0254% | 2,504 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,729 |
| Net charge-offs to loans | 0.1243% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 800 |
| Efficiency ratio | 61.3932% | 5,673 |
| Assets per employee ($millions) | 3.1758% | 5,687 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 7,112 |
| Loan loss allowance to noncurrent loans | 54.0881% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,102 |
| Noncurrent loans to loans | 1.1573% | 4,727 |
| Net loans and leases to total assets | 35.8252% | 6,970 |
| Net loans and leases to deposits | 42.4164% | 6,975 |
| Net loans and leases to core deposits | 42.8962% | 7,045 |
| Total domestic deposits to total assets | 84.4608% | 4,141 |
| Equity capital to assets | 15.3818% | 722 |
| Core capital (leverage) ratio | 15.4040% | 602 |
| Tier 1 risk-based capital ratio | 22.4203% | 1,198 |
| Total risk-based capital ratio | 22.7492% | 1,307 |
| Memoranda: | ||
| Average total assets | $37,835,000 | 6,862 |
| Average earning assets | $34,318,330 | 6,856 |
| Average equity | $5,828,000 | 6,279 |
| Average total loans | $14,486,670 | 7,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 1,589 |
| Cost of funding earning assets | 1.0549% | 3,816 |
| Net interest margin | 4.3367% | 1,451 |
| Noninterest income to average assets | 0.5518% | 3,496 |
| Noninterest expense to average assets | 2.8012% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4218% | 1,030 |
| Return on assets (ROA) | 1.4218% | 1,062 |
| Pretax return on assets | 1.6765% | 1,023 |
| Return on Equity (ROE) | 9.2239% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.2239% | 1,312 |
| Net charge-offs to loans | -0.0269% | 6,673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5592% | 5,589 |
| Assets per employee ($millions) | 3.2566% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 7,153 |
| Loan loss allowance to noncurrent loans | 30.6709% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 5,305 |
| Noncurrent loans to loans | 2.0956% | 3,448 |
| Net loans and leases to total assets | 37.9744% | 6,906 |
| Net loans and leases to deposits | 44.8298% | 6,920 |
| Net loans and leases to core deposits | 45.3227% | 6,997 |
| Total domestic deposits to total assets | 84.7079% | 4,178 |
| Equity capital to assets | 15.0413% | 757 |
| Core capital (leverage) ratio | 15.6914% | 551 |
| Tier 1 risk-based capital ratio | 21.7358% | 1,273 |
| Total risk-based capital ratio | 22.0907% | 1,400 |
| Memoranda: | ||
| Average total assets | $37,697,500 | 6,917 |
| Average earning assets | $34,127,500 | 6,915 |
| Average equity | $5,811,000 | 6,308 |
| Average total loans | $14,860,500 | 7,100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3976% | 382 |
| Cost of funding earning assets | 1.0901% | 5,187 |
| Net interest margin | 5.3076% | 241 |
| Noninterest income to average assets | 0.5332% | 3,932 |
| Noninterest expense to average assets | 3.0279% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7121% | 502 |
| Return on assets (ROA) | 1.7679% | 493 |
| Pretax return on assets | 2.4891% | 187 |
| Return on Equity (ROE) | 11.1284% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.8292% | 1,918 |
| Net charge-offs to loans | 0.2105% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 28.6333% | 756 |
| Efficiency ratio | 55.6760% | 6,634 |
| Assets per employee ($millions) | 3.0263% | 6,040 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 7,209 |
| Loan loss allowance to noncurrent loans | 33.9286% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 5,473 |
| Noncurrent loans to loans | 1.8938% | 3,694 |
| Net loans and leases to total assets | 40.4505% | 6,939 |
| Net loans and leases to deposits | 48.2890% | 6,937 |
| Net loans and leases to core deposits | 48.8673% | 7,032 |
| Total domestic deposits to total assets | 83.7675% | 4,469 |
| Equity capital to assets | 15.8167% | 616 |
| Core capital (leverage) ratio | 16.0268% | 508 |
| Tier 1 risk-based capital ratio | 22.2947% | 1,134 |
| Total risk-based capital ratio | 22.6634% | 1,234 |
| Memoranda: | ||
| Average total assets | $35,634,800 | 7,019 |
| Average earning assets | $32,934,200 | 6,984 |
| Average equity | $5,661,200 | 6,464 |
| Average total loans | $14,252,800 | 7,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5431% | 314 |
| Cost of funding earning assets | 1.0925% | 5,465 |
| Net interest margin | 5.4506% | 190 |
| Noninterest income to average assets | 0.5451% | 3,827 |
| Noninterest expense to average assets | 2.9024% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8813% | 423 |
| Return on assets (ROA) | 1.9550% | 399 |
| Pretax return on assets | 2.8121% | 153 |
| Return on Equity (ROE) | 12.2918% | 1,425 |
| Retained earnings to average equity (ytd only) | 8.7460% | 1,137 |
| Net charge-offs to loans | 0.0756% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 89.9700% | 342 |
| Efficiency ratio | 51.7426% | 7,004 |
| Assets per employee ($millions) | 2.9314% | 6,307 |
| Cash dividends to net income (ytd only)* | 28.8467% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 6,911 |
| Loan loss allowance to noncurrent loans | 134.4828% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 6,746 |
| Noncurrent loans to loans | 0.6259% | 5,954 |
| Net loans and leases to total assets | 39.1819% | 7,123 |
| Net loans and leases to deposits | 47.1665% | 7,119 |
| Net loans and leases to core deposits | 47.7548% | 7,217 |
| Total domestic deposits to total assets | 83.0713% | 4,563 |
| Equity capital to assets | 16.4511% | 599 |
| Core capital (leverage) ratio | 16.3646% | 508 |
| Tier 1 risk-based capital ratio | 24.0614% | 938 |
| Total risk-based capital ratio | 24.5478% | 1,002 |
| Memoranda: | ||
| Average total assets | $35,464,500 | 7,112 |
| Average earning assets | $32,950,000 | 7,068 |
| Average equity | $5,640,500 | 6,557 |
| Average total loans | $14,119,750 | 7,294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0073% | 155 |
| Cost of funding earning assets | 1.0762% | 5,801 |
| Net interest margin | 5.9311% | 100 |
| Noninterest income to average assets | 0.5399% | 3,794 |
| Noninterest expense to average assets | 2.8852% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.2272% | 219 |
| Return on assets (ROA) | 2.2272% | 241 |
| Pretax return on assets | 3.2339% | 103 |
| Return on Equity (ROE) | 14.1639% | 1,008 |
| Retained earnings to average equity (ytd only) | 8.7988% | 1,179 |
| Net charge-offs to loans | 0.1127% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 71.8750% | 438 |
| Efficiency ratio | 47.1507% | 7,389 |
| Assets per employee ($millions) | 2.9811% | 6,176 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,925 |
| Loan loss allowance to noncurrent loans | 172.0588% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 6,921 |
| Noncurrent loans to loans | 0.4909% | 6,267 |
| Net loans and leases to total assets | 38.3949% | 7,248 |
| Net loans and leases to deposits | 45.8521% | 7,254 |
| Net loans and leases to core deposits | 46.9011% | 7,321 |
| Total domestic deposits to total assets | 83.7363% | 4,232 |
| Equity capital to assets | 15.8360% | 698 |
| Core capital (leverage) ratio | 15.9358% | 576 |
| Tier 1 risk-based capital ratio | 22.0162% | 1,198 |
| Total risk-based capital ratio | 22.4709% | 1,279 |
| Memoranda: | ||
| Average total assets | $35,560,330 | 7,156 |
| Average earning assets | $33,450,670 | 7,096 |
| Average equity | $5,591,670 | 6,588 |
| Average total loans | $14,193,000 | 7,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8120% | 56 |
| Cost of funding earning assets | 1.0790% | 6,000 |
| Net interest margin | 7.7330% | 48 |
| Noninterest income to average assets | 0.5754% | 3,455 |
| Noninterest expense to average assets | 2.8770% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.3170% | 69 |
| Return on assets (ROA) | 3.3170% | 75 |
| Pretax return on assets | 4.9755% | 56 |
| Return on Equity (ROE) | 21.1701% | 318 |
| Retained earnings to average equity (ytd only) | 21.1701% | 171 |
| Net charge-offs to loans | 0.1949% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 486 |
| Efficiency ratio | 36.6379% | 7,786 |
| Assets per employee ($millions) | 3.0454% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 7,094 |
| Loan loss allowance to noncurrent loans | 393.3333% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 7,284 |
| Noncurrent loans to loans | 0.2063% | 6,924 |
| Net loans and leases to total assets | 39.4719% | 7,282 |
| Net loans and leases to deposits | 47.1067% | 7,276 |
| Net loans and leases to core deposits | 48.1604% | 7,354 |
| Total domestic deposits to total assets | 83.7926% | 4,248 |
| Equity capital to assets | 15.6027% | 745 |
| Core capital (leverage) ratio | 16.1415% | 559 |
| Tier 1 risk-based capital ratio | 22.7117% | 1,115 |
| Total risk-based capital ratio | 23.1817% | 1,194 |
| Memoranda: | ||
| Average total assets | $35,454,000 | 7,253 |
| Average earning assets | $33,363,500 | 7,188 |
| Average equity | $5,555,000 | 6,656 |
| Average total loans | $14,363,500 | 7,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2444% | 1,132 |
| Cost of funding earning assets | 1.4347% | 5,784 |
| Net interest margin | 4.8097% | 680 |
| Noninterest income to average assets | 0.5553% | 3,981 |
| Noninterest expense to average assets | 3.0910% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4431% | 780 |
| Return on assets (ROA) | 1.4431% | 835 |
| Pretax return on assets | 1.9835% | 417 |
| Return on Equity (ROE) | 9.1785% | 1,969 |
| Retained earnings to average equity (ytd only) | 3.5127% | 2,715 |
| Net charge-offs to loans | -0.0606% | 7,858 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9128% | 6,347 |
| Assets per employee ($millions) | 2.8636% | 6,530 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 6,889 |
| Loan loss allowance to noncurrent loans | 142.0455% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 6,809 |
| Noncurrent loans to loans | 0.6204% | 6,002 |
| Net loans and leases to total assets | 40.9132% | 7,310 |
| Net loans and leases to deposits | 48.8414% | 7,321 |
| Net loans and leases to core deposits | 58.9377% | 7,302 |
| Total domestic deposits to total assets | 83.7674% | 4,143 |
| Equity capital to assets | 15.7379% | 735 |
| Core capital (leverage) ratio | 15.8574% | 638 |
| Tier 1 risk-based capital ratio | 22.3906% | 1,111 |
| Total risk-based capital ratio | 22.9081% | 1,169 |
| Memoranda: | ||
| Average total assets | $33,678,200 | 7,342 |
| Average earning assets | $31,644,400 | 7,281 |
| Average equity | $5,295,000 | 6,837 |
| Average total loans | $13,194,800 | 7,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 4,881 |
| Cost of funding earning assets | 1.4813% | 5,906 |
| Net interest margin | 3.9318% | 3,113 |
| Noninterest income to average assets | 0.5611% | 4,003 |
| Noninterest expense to average assets | 2.9008% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0823% | 1,791 |
| Return on assets (ROA) | 1.0823% | 1,842 |
| Pretax return on assets | 1.3569% | 1,806 |
| Return on Equity (ROE) | 6.8858% | 3,128 |
| Retained earnings to average equity (ytd only) | 3.0884% | 3,596 |
| Net charge-offs to loans | -0.0721% | 7,892 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1308% | 4,944 |
| Assets per employee ($millions) | 2.8519% | 6,525 |
| Cash dividends to net income (ytd only)* | 55.1481% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,409 |
| Loan loss allowance to noncurrent loans | 87.3239% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 6,417 |
| Noncurrent loans to loans | 1.1197% | 5,074 |
| Net loans and leases to total assets | 36.6946% | 7,594 |
| Net loans and leases to deposits | 43.6360% | 7,631 |
| Net loans and leases to core deposits | 52.7691% | 7,631 |
| Total domestic deposits to total assets | 84.0926% | 3,684 |
| Equity capital to assets | 15.5889% | 868 |
| Core capital (leverage) ratio | 15.7626% | 717 |
| Tier 1 risk-based capital ratio | 24.1435% | 989 |
| Total risk-based capital ratio | 24.7047% | 1,031 |
| Memoranda: | ||
| Average total assets | $33,507,000 | 7,402 |
| Average earning assets | $31,503,000 | 7,350 |
| Average equity | $5,266,750 | 6,917 |
| Average total loans | $12,947,500 | 7,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 5,787 |
| Cost of funding earning assets | 1.5500% | 5,928 |
| Net interest margin | 3.7212% | 3,869 |
| Noninterest income to average assets | 0.5531% | 4,013 |
| Noninterest expense to average assets | 2.8496% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0220% | 2,030 |
| Return on assets (ROA) | 1.0220% | 2,118 |
| Pretax return on assets | 1.1963% | 2,312 |
| Return on Equity (ROE) | 6.4836% | 3,446 |
| Retained earnings to average equity (ytd only) | 0.7628% | 4,889 |
| Net charge-offs to loans | -0.0767% | 7,909 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4309% | 4,694 |
| Assets per employee ($millions) | 2.8293% | 6,561 |
| Cash dividends to net income (ytd only)* | 88.2353% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,697 |
| Loan loss allowance to noncurrent loans | 137.0787% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 6,820 |
| Noncurrent loans to loans | 0.6693% | 5,911 |
| Net loans and leases to total assets | 38.8077% | 7,610 |
| Net loans and leases to deposits | 46.0442% | 7,631 |
| Net loans and leases to core deposits | 55.5809% | 7,611 |
| Total domestic deposits to total assets | 84.2837% | 3,604 |
| Equity capital to assets | 15.4159% | 943 |
| Core capital (leverage) ratio | 15.6384% | 800 |
| Tier 1 risk-based capital ratio | 23.5247% | 1,082 |
| Total risk-based capital ratio | 24.0730% | 1,124 |
| Memoranda: | ||
| Average total assets | $33,268,330 | 7,476 |
| Average earning assets | $31,226,670 | 7,429 |
| Average equity | $5,244,000 | 6,984 |
| Average total loans | $13,036,000 | 7,698 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 6,288 |
| Cost of funding earning assets | 1.6474% | 5,828 |
| Net interest margin | 3.5543% | 4,507 |
| Noninterest income to average assets | 0.5710% | 3,749 |
| Noninterest expense to average assets | 2.8305% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9597% | 2,481 |
| Return on assets (ROA) | 0.9597% | 2,606 |
| Pretax return on assets | 1.0690% | 3,104 |
| Return on Equity (ROE) | 6.0202% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.0202% | 2,616 |
| Net charge-offs to loans | -0.0620% | 7,760 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5857% | 4,089 |
| Assets per employee ($millions) | 2.8343% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,608 |
| Loan loss allowance to noncurrent loans | 160.8108% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 6,871 |
| Noncurrent loans to loans | 0.5778% | 5,957 |
| Net loans and leases to total assets | 37.3056% | 7,683 |
| Net loans and leases to deposits | 44.3450% | 7,712 |
| Net loans and leases to core deposits | 53.1212% | 7,699 |
| Total domestic deposits to total assets | 84.1257% | 3,643 |
| Equity capital to assets | 15.5597% | 957 |
| Core capital (leverage) ratio | 16.0432% | 780 |
| Tier 1 risk-based capital ratio | 25.2650% | 958 |
| Total risk-based capital ratio | 25.8331% | 999 |
| Memoranda: | ||
| Average total assets | $32,926,500 | 7,535 |
| Average earning assets | $30,836,000 | 7,483 |
| Average equity | $5,249,000 | 7,037 |
| Average total loans | $12,905,000 | 7,752 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0297% | 5,412 |
| Cost of funding earning assets | 2.0473% | 6,249 |
| Net interest margin | 3.9824% | 3,204 |
| Noninterest income to average assets | 0.5769% | 4,030 |
| Noninterest expense to average assets | 3.0916% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9187% | 2,925 |
| Return on assets (ROA) | 0.9187% | 2,771 |
| Pretax return on assets | 1.1570% | 2,819 |
| Return on Equity (ROE) | 5.5587% | 4,132 |
| Retained earnings to average equity (ytd only) | -0.1328% | 5,317 |
| Net charge-offs to loans | 0.1313% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 21.7059% | 1,516 |
| Efficiency ratio | 72.7675% | 3,801 |
| Assets per employee ($millions) | 2.6535% | 6,881 |
| Cash dividends to net income (ytd only)* | 102.3891% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,683 |
| Loan loss allowance to noncurrent loans | 75.9740% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 5,762 |
| Noncurrent loans to loans | 1.1843% | 4,145 |
| Net loans and leases to total assets | 40.4686% | 7,647 |
| Net loans and leases to deposits | 48.5861% | 7,686 |
| Net loans and leases to core deposits | 57.4038% | 7,690 |
| Total domestic deposits to total assets | 83.2925% | 3,657 |
| Equity capital to assets | 16.3495% | 874 |
| Core capital (leverage) ratio | 16.2932% | 784 |
| Tier 1 risk-based capital ratio | 25.5134% | 946 |
| Total risk-based capital ratio | 26.0867% | 980 |
| Memoranda: | ||
| Average total assets | $31,892,800 | 7,570 |
| Average earning assets | $29,404,600 | 7,545 |
| Average equity | $5,271,000 | 7,056 |
| Average total loans | $12,944,200 | 7,774 |