Home > Western Nebraska Bank > Performance and Condition Ratios
Western Nebraska 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 | 5.7950% | 841 |
| Cost of funding earning assets | 2.0472% | 856 |
| Net interest margin | 3.7478% | 1,654 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.8033% | 1,486 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8665% | 2,649 |
| Return on assets (ROA) | 0.8665% | 2,624 |
| Pretax return on assets | 1.0315% | 2,580 |
| Return on Equity (ROE) | 12.1200% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.8531% | 1,587 |
| Net charge-offs to loans | 0.0184% | 1,991 |
| Credit loss provision to net charge-offs | 521.7391% | 646 |
| Earnings coverage of net charge-offs (x) | 80.2174% | 1,020 |
| Efficiency ratio | 71.3914% | 1,720 |
| Assets per employee ($millions) | 5.7184% | 3,054 |
| Cash dividends to net income (ytd only)* | 35.1967% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,132 |
| Loan loss allowance to noncurrent loans | 136.6388% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 1,005 |
| Noncurrent loans to loans | 0.7576% | 1,031 |
| Net loans and leases to total assets | 72.9500% | 1,477 |
| Net loans and leases to deposits | 87.0540% | 1,530 |
| Net loans and leases to core deposits | 98.7493% | 1,506 |
| Total domestic deposits to total assets | 83.8000% | 2,673 |
| Equity capital to assets | 7.3324% | 3,800 |
| Core capital (leverage) ratio | 9.3979% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $167,232,600 | 3,211 |
| Average earning assets | $152,891,600 | 3,225 |
| Average equity | $11,957,000 | 3,530 |
| Average total loans | $124,717,800 | 2,904 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 837 |
| Cost of funding earning assets | 1.8258% | 969 |
| Net interest margin | 3.8362% | 1,524 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.8102% | 1,415 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9525% | 2,508 |
| Return on assets (ROA) | 0.9525% | 2,495 |
| Pretax return on assets | 1.1082% | 2,547 |
| Return on Equity (ROE) | 13.4100% | 1,818 |
| Retained earnings to average equity (ytd only) | 13.4104% | 755 |
| Net charge-offs to loans | 0.0150% | 1,858 |
| Credit loss provision to net charge-offs | 571.4286% | 575 |
| Earnings coverage of net charge-offs (x) | 104.3571% | 899 |
| Efficiency ratio | 70.1995% | 1,761 |
| Assets per employee ($millions) | 5.9514% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,466 |
| Loan loss allowance to noncurrent loans | 109.0444% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 841 |
| Noncurrent loans to loans | 0.8985% | 917 |
| Net loans and leases to total assets | 74.8400% | 1,258 |
| Net loans and leases to deposits | 94.4300% | 865 |
| Net loans and leases to core deposits | 106.8290% | 983 |
| Total domestic deposits to total assets | 79.2500% | 3,648 |
| Equity capital to assets | 6.8114% | 3,703 |
| Core capital (leverage) ratio | 9.4121% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,152,500 | 3,230 |
| Average earning assets | $152,402,000 | 3,242 |
| Average equity | $11,801,500 | 3,539 |
| Average total loans | $124,283,000 | 2,910 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 928 |
| Cost of funding earning assets | 1.6030% | 1,057 |
| Net interest margin | 3.8214% | 1,579 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.6572% | 1,762 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1487% | 1,971 |
| Return on assets (ROA) | 1.1487% | 1,968 |
| Pretax return on assets | 1.3475% | 1,948 |
| Return on Equity (ROE) | 15.9400% | 1,276 |
| Retained earnings to average equity (ytd only) | 15.9436% | 479 |
| Net charge-offs to loans | 0.0213% | 1,461 |
| Credit loss provision to net charge-offs | 307.6923% | 851 |
| Earnings coverage of net charge-offs (x) | 88.0769% | 1,000 |
| Efficiency ratio | 65.1925% | 2,349 |
| Assets per employee ($millions) | 5.8036% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 3,523 |
| Loan loss allowance to noncurrent loans | 440.9253% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,389 |
| Noncurrent loans to loans | 0.2207% | 2,383 |
| Net loans and leases to total assets | 74.9000% | 1,179 |
| Net loans and leases to deposits | 91.6352% | 1,048 |
| Net loans and leases to core deposits | 97.0326% | 1,410 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 7.2215% | 3,678 |
| Core capital (leverage) ratio | 9.5993% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $164,006,000 | 3,254 |
| Average earning assets | $150,467,000 | 3,266 |
| Average equity | $11,816,667 | 3,552 |
| Average total loans | $122,229,000 | 2,921 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 885 |
| Cost of funding earning assets | 1.4252% | 983 |
| Net interest margin | 3.8265% | 1,628 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.7209% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0281% | 2,446 |
| Return on assets (ROA) | 1.0281% | 2,410 |
| Pretax return on assets | 1.2579% | 2,281 |
| Return on Equity (ROE) | 14.2900% | 1,715 |
| Retained earnings to average equity (ytd only) | 14.2857% | 901 |
| Net charge-offs to loans | 0.0100% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 565 |
| Efficiency ratio | 68.0124% | 1,973 |
| Assets per employee ($millions) | 5.3598% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,500 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.1000% | 1,187 |
| Net loans and leases to deposits | 85.8712% | 1,361 |
| Net loans and leases to core deposits | 91.0368% | 1,561 |
| Total domestic deposits to total assets | 86.2900% | 2,510 |
| Equity capital to assets | 7.3727% | 3,632 |
| Core capital (leverage) ratio | 9.5551% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $161,857,000 | 3,325 |
| Average earning assets | $147,914,000 | 3,334 |
| Average equity | $11,648,000 | 3,603 |
| Average total loans | $119,695,000 | 2,980 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 613 |
| Cost of funding earning assets | 0.6963% | 592 |
| Net interest margin | 3.9062% | 944 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.8502% | 1,226 |
| Loan and lease loss provision to assets | 0.9300% | 45 |
| Net operating income to assets | 0.3213% | 4,346 |
| Return on assets (ROA) | 0.3237% | 4,313 |
| Pretax return on assets | 0.3419% | 4,337 |
| Return on Equity (ROE) | 4.2300% | 4,129 |
| Retained earnings to average equity (ytd only) | -2.3557% | 4,501 |
| Net charge-offs to loans | 1.5795% | 44 |
| Credit loss provision to net charge-offs | 82.1229% | 1,672 |
| Earnings coverage of net charge-offs (x) | 1.1223% | 2,545 |
| Efficiency ratio | 68.6611% | 1,879 |
| Assets per employee ($millions) | 5.6179% | 3,106 |
| Cash dividends to net income (ytd only)* | 155.6420% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 3,923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 72.4400% | 1,365 |
| Net loans and leases to deposits | 87.2678% | 1,226 |
| Net loans and leases to core deposits | 95.8429% | 1,217 |
| Total domestic deposits to total assets | 83.0100% | 3,419 |
| Equity capital to assets | 7.0225% | 3,651 |
| Core capital (leverage) ratio | 9.2336% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $158,797,400 | 3,357 |
| Average earning assets | $145,769,000 | 3,365 |
| Average equity | $12,140,600 | 3,658 |
| Average total loans | $113,329,400 | 2,998 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 574 |
| Cost of funding earning assets | 0.5753% | 500 |
| Net interest margin | 3.8360% | 898 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.8632% | 1,116 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9543% | 2,648 |
| Return on assets (ROA) | 0.9592% | 2,599 |
| Pretax return on assets | 1.1747% | 2,470 |
| Return on Equity (ROE) | 12.2900% | 1,946 |
| Retained earnings to average equity (ytd only) | 7.9573% | 2,013 |
| Net charge-offs to loans | -0.0131% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0187% | 1,887 |
| Assets per employee ($millions) | 5.4953% | 3,225 |
| Cash dividends to net income (ytd only)* | 35.2423% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,712 |
| Loan loss allowance to noncurrent loans | 23,883.3333% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,987 |
| Noncurrent loans to loans | 0.0049% | 3,923 |
| Net loans and leases to total assets | 73.7000% | 1,123 |
| Net loans and leases to deposits | 89.7873% | 902 |
| Net loans and leases to core deposits | 94.4971% | 1,065 |
| Total domestic deposits to total assets | 82.0800% | 3,830 |
| Equity capital to assets | 6.5941% | 3,696 |
| Core capital (leverage) ratio | 9.3563% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,767,000 | 3,389 |
| Average earning assets | $145,322,250 | 3,396 |
| Average equity | $12,315,500 | 3,683 |
| Average total loans | $111,903,500 | 3,023 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 622 |
| Cost of funding earning assets | 0.5462% | 401 |
| Net interest margin | 3.6619% | 974 |
| Noninterest income to average assets | 0.5804% | 1,826 |
| Noninterest expense to average assets | 2.7155% | 1,352 |
| Loan and lease loss provision to assets | 0.0772% | 1,254 |
| Net operating income to assets | 0.9421% | 2,392 |
| Return on assets (ROA) | 0.9421% | 2,368 |
| Pretax return on assets | 1.1699% | 2,173 |
| Return on Equity (ROE) | 11.4402% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.1887% | 2,641 |
| Net charge-offs to loans | -0.0055% | 3,381 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7168% | 2,280 |
| Assets per employee ($millions) | 5.3591% | 3,380 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.2511% | 1,281 |
| Net loans and leases to deposits | 78.1912% | 1,525 |
| Net loans and leases to core deposits | 84.1114% | 1,443 |
| Total domestic deposits to total assets | 89.8452% | 1,775 |
| Equity capital to assets | 7.0225% | 3,758 |
| Core capital (leverage) ratio | 9.2763% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,403,000 | 3,453 |
| Average earning assets | $143,533,333 | 3,464 |
| Average equity | $12,797,000 | 3,700 |
| Average total loans | $108,229,333 | 3,089 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 657 |
| Cost of funding earning assets | 0.5568% | 354 |
| Net interest margin | 3.5246% | 1,041 |
| Noninterest income to average assets | 0.5071% | 2,109 |
| Noninterest expense to average assets | 2.9112% | 939 |
| Loan and lease loss provision to assets | 0.0772% | 1,062 |
| Net operating income to assets | 0.6487% | 3,235 |
| Return on assets (ROA) | 0.6487% | 3,218 |
| Pretax return on assets | 0.7774% | 3,180 |
| Return on Equity (ROE) | 7.3370% | 2,935 |
| Retained earnings to average equity (ytd only) | -4.3091% | 4,392 |
| Net charge-offs to loans | -0.0075% | 3,486 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4867% | 1,465 |
| Assets per employee ($millions) | 5.8617% | 2,930 |
| Cash dividends to net income (ytd only)* | 158.7302% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,460 |
| Loan loss allowance to noncurrent loans | 183.5801% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 1,045 |
| Noncurrent loans to loans | 0.6965% | 1,365 |
| Net loans and leases to total assets | 66.5426% | 1,361 |
| Net loans and leases to deposits | 72.4841% | 1,748 |
| Net loans and leases to core deposits | 76.9650% | 1,707 |
| Total domestic deposits to total assets | 91.8031% | 657 |
| Equity capital to assets | 8.0187% | 3,554 |
| Core capital (leverage) ratio | 8.8597% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,397,500 | 3,468 |
| Average earning assets | $143,674,500 | 3,475 |
| Average equity | $13,738,500 | 3,682 |
| Average total loans | $107,056,500 | 3,097 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 992 |
| Cost of funding earning assets | 0.7023% | 320 |
| Net interest margin | 3.4984% | 1,734 |
| Noninterest income to average assets | 1.1949% | 739 |
| Noninterest expense to average assets | 2.8018% | 1,359 |
| Loan and lease loss provision to assets | 0.1214% | 1,015 |
| Net operating income to assets | 1.1841% | 1,974 |
| Return on assets (ROA) | 1.1841% | 2,042 |
| Pretax return on assets | 1.4862% | 1,770 |
| Return on Equity (ROE) | 12.2107% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.9077% | 1,231 |
| Net charge-offs to loans | 0.1294% | 708 |
| Credit loss provision to net charge-offs | 129.4964% | 1,585 |
| Earnings coverage of net charge-offs (x) | 17.1511% | 1,953 |
| Efficiency ratio | 62.7772% | 2,753 |
| Assets per employee ($millions) | 5.2596% | 3,509 |
| Cash dividends to net income (ytd only)* | 27.0501% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,674 |
| Loan loss allowance to noncurrent loans | 900.0000% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 3,259 |
| Noncurrent loans to loans | 0.1378% | 3,241 |
| Net loans and leases to total assets | 69.5623% | 1,089 |
| Net loans and leases to deposits | 77.2955% | 1,469 |
| Net loans and leases to core deposits | 82.8391% | 1,397 |
| Total domestic deposits to total assets | 89.9953% | 961 |
| Equity capital to assets | 9.6940% | 2,950 |
| Core capital (leverage) ratio | 9.1321% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,296,200 | 3,499 |
| Average earning assets | $136,262,400 | 3,518 |
| Average equity | $14,380,800 | 3,700 |
| Average total loans | $107,447,000 | 3,113 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 1,269 |
| Cost of funding earning assets | 0.7312% | 334 |
| Net interest margin | 3.3842% | 2,198 |
| Noninterest income to average assets | 1.3819% | 620 |
| Noninterest expense to average assets | 2.7166% | 1,546 |
| Loan and lease loss provision to assets | 0.1358% | 837 |
| Net operating income to assets | 1.3031% | 1,822 |
| Return on assets (ROA) | 1.3031% | 1,875 |
| Pretax return on assets | 1.6390% | 1,582 |
| Return on Equity (ROE) | 13.4362% | 1,562 |
| Retained earnings to average equity (ytd only) | 13.4362% | 575 |
| Net charge-offs to loans | 0.1774% | 488 |
| Credit loss provision to net charge-offs | 104.8951% | 1,547 |
| Earnings coverage of net charge-offs (x) | 13.7063% | 1,913 |
| Efficiency ratio | 59.7379% | 3,016 |
| Assets per employee ($millions) | 5.4040% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,984 |
| Loan loss allowance to noncurrent loans | 253.5156% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 2,090 |
| Noncurrent loans to loans | 0.4736% | 2,138 |
| Net loans and leases to total assets | 70.5861% | 1,029 |
| Net loans and leases to deposits | 78.9162% | 1,396 |
| Net loans and leases to core deposits | 85.3608% | 1,331 |
| Total domestic deposits to total assets | 89.4444% | 1,044 |
| Equity capital to assets | 9.9674% | 2,934 |
| Core capital (leverage) ratio | 9.5163% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,238,250 | 3,540 |
| Average earning assets | $135,290,750 | 3,565 |
| Average equity | $14,279,500 | 3,752 |
| Average total loans | $107,450,250 | 3,149 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 1,378 |
| Cost of funding earning assets | 0.7664% | 340 |
| Net interest margin | 3.3185% | 2,389 |
| Noninterest income to average assets | 1.2736% | 717 |
| Noninterest expense to average assets | 2.7022% | 1,589 |
| Loan and lease loss provision to assets | 0.1645% | 708 |
| Net operating income to assets | 1.1516% | 2,358 |
| Return on assets (ROA) | 1.1516% | 2,418 |
| Pretax return on assets | 1.4464% | 2,188 |
| Return on Equity (ROE) | 11.9897% | 2,071 |
| Retained earnings to average equity (ytd only) | 11.9897% | 921 |
| Net charge-offs to loans | 0.2667% | 329 |
| Credit loss provision to net charge-offs | 83.9161% | 1,472 |
| Earnings coverage of net charge-offs (x) | 8.2168% | 1,888 |
| Efficiency ratio | 61.8563% | 2,749 |
| Assets per employee ($millions) | 5.5325% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,116 |
| Loan loss allowance to noncurrent loans | 1,527.7108% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,861 |
| Noncurrent loans to loans | 0.0763% | 3,804 |
| Net loans and leases to total assets | 72.0213% | 964 |
| Net loans and leases to deposits | 80.4727% | 1,388 |
| Net loans and leases to core deposits | 87.3126% | 1,324 |
| Total domestic deposits to total assets | 89.4978% | 1,029 |
| Equity capital to assets | 9.6962% | 3,148 |
| Core capital (leverage) ratio | 9.2796% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,880,000 | 3,565 |
| Average earning assets | $133,612,667 | 3,590 |
| Average equity | $14,012,000 | 3,790 |
| Average total loans | $107,232,333 | 3,163 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 1,438 |
| Cost of funding earning assets | 0.7933% | 368 |
| Net interest margin | 3.2855% | 2,431 |
| Noninterest income to average assets | 0.8048% | 1,575 |
| Noninterest expense to average assets | 2.8197% | 1,326 |
| Loan and lease loss provision to assets | 0.2081% | 578 |
| Net operating income to assets | 0.5856% | 3,978 |
| Return on assets (ROA) | 0.5856% | 4,036 |
| Pretax return on assets | 0.7771% | 3,854 |
| Return on Equity (ROE) | 6.1266% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.1266% | 2,847 |
| Net charge-offs to loans | 0.5375% | 150 |
| Credit loss provision to net charge-offs | 52.4476% | 1,302 |
| Earnings coverage of net charge-offs (x) | 2.4825% | 1,805 |
| Efficiency ratio | 73.1583% | 1,390 |
| Assets per employee ($millions) | 5.4081% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,314 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.7123% | 1,441 |
| Net loans and leases to deposits | 79.0736% | 1,606 |
| Net loans and leases to core deposits | 86.0265% | 1,520 |
| Total domestic deposits to total assets | 86.8967% | 2,349 |
| Equity capital to assets | 9.1027% | 3,588 |
| Core capital (leverage) ratio | 9.0183% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,131,000 | 3,587 |
| Average earning assets | $131,607,500 | 3,615 |
| Average equity | $13,776,000 | 3,815 |
| Average total loans | $106,422,500 | 3,182 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 708 |
| Cost of funding earning assets | 1.0367% | 516 |
| Net interest margin | 3.7859% | 1,540 |
| Noninterest income to average assets | 0.9071% | 1,248 |
| Noninterest expense to average assets | 3.0093% | 1,410 |
| Loan and lease loss provision to assets | 0.2279% | 1,711 |
| Net operating income to assets | 0.8995% | 2,698 |
| Return on assets (ROA) | 0.8995% | 2,830 |
| Pretax return on assets | 1.1297% | 2,586 |
| Return on Equity (ROE) | 8.9504% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.7377% | 1,939 |
| Net charge-offs to loans | 0.2607% | 668 |
| Credit loss provision to net charge-offs | 109.0909% | 2,732 |
| Earnings coverage of net charge-offs (x) | 6.4982% | 2,778 |
| Efficiency ratio | 67.4669% | 2,303 |
| Assets per employee ($millions) | 4.7184% | 3,702 |
| Cash dividends to net income (ytd only)* | 35.8953% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,950 |
| Loan loss allowance to noncurrent loans | 268.3992% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 2,578 |
| Noncurrent loans to loans | 0.4471% | 2,629 |
| Net loans and leases to total assets | 77.6716% | 627 |
| Net loans and leases to deposits | 90.5607% | 881 |
| Net loans and leases to core deposits | 98.4868% | 986 |
| Total domestic deposits to total assets | 85.7675% | 2,465 |
| Equity capital to assets | 10.0618% | 3,074 |
| Core capital (leverage) ratio | 9.3153% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,624,800 | 3,606 |
| Average earning assets | $120,287,200 | 3,620 |
| Average equity | $13,228,400 | 3,840 |
| Average total loans | $105,483,600 | 3,160 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 779 |
| Cost of funding earning assets | 1.0718% | 592 |
| Net interest margin | 3.8009% | 1,619 |
| Noninterest income to average assets | 0.8788% | 1,284 |
| Noninterest expense to average assets | 3.0815% | 1,266 |
| Loan and lease loss provision to assets | 0.2302% | 1,768 |
| Net operating income to assets | 0.8563% | 2,880 |
| Return on assets (ROA) | 0.8563% | 3,008 |
| Pretax return on assets | 1.0538% | 2,892 |
| Return on Equity (ROE) | 8.5231% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.5231% | 1,136 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9477% | 2,050 |
| Assets per employee ($millions) | 4.9641% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,959 |
| Loan loss allowance to noncurrent loans | 196.9617% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 2,077 |
| Noncurrent loans to loans | 0.6848% | 2,079 |
| Net loans and leases to total assets | 78.4638% | 776 |
| Net loans and leases to deposits | 94.2781% | 901 |
| Net loans and leases to core deposits | 103.3754% | 960 |
| Total domestic deposits to total assets | 83.2259% | 3,081 |
| Equity capital to assets | 9.9019% | 3,327 |
| Core capital (leverage) ratio | 9.4446% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,322,250 | 3,611 |
| Average earning assets | $119,546,250 | 3,617 |
| Average equity | $13,093,500 | 3,859 |
| Average total loans | $104,961,250 | 3,176 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 594 |
| Cost of funding earning assets | 1.1645% | 577 |
| Net interest margin | 4.0143% | 1,283 |
| Noninterest income to average assets | 0.6560% | 1,913 |
| Noninterest expense to average assets | 3.0699% | 1,423 |
| Loan and lease loss provision to assets | 0.2354% | 1,795 |
| Net operating income to assets | 0.8177% | 2,979 |
| Return on assets (ROA) | 0.8177% | 3,097 |
| Pretax return on assets | 1.0296% | 2,932 |
| Return on Equity (ROE) | 8.0961% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.0961% | 1,272 |
| Net charge-offs to loans | 0.0058% | 2,754 |
| Credit loss provision to net charge-offs | 5,000.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 268.6667% | 350 |
| Efficiency ratio | 69.1166% | 2,071 |
| Assets per employee ($millions) | 4.6190% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,899 |
| Loan loss allowance to noncurrent loans | 200.1416% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 2,248 |
| Noncurrent loans to loans | 0.6609% | 2,211 |
| Net loans and leases to total assets | 78.6980% | 754 |
| Net loans and leases to deposits | 94.4452% | 916 |
| Net loans and leases to core deposits | 103.7590% | 1,015 |
| Total domestic deposits to total assets | 83.3266% | 2,989 |
| Equity capital to assets | 9.9813% | 3,223 |
| Core capital (leverage) ratio | 9.6665% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,431,667 | 3,626 |
| Average earning assets | $116,783,333 | 3,638 |
| Average equity | $12,870,333 | 3,886 |
| Average total loans | $103,098,000 | 3,188 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 526 |
| Cost of funding earning assets | 1.3591% | 473 |
| Net interest margin | 3.9680% | 1,484 |
| Noninterest income to average assets | 0.5734% | 2,160 |
| Noninterest expense to average assets | 3.1182% | 1,591 |
| Loan and lease loss provision to assets | 0.2416% | 1,287 |
| Net operating income to assets | 0.6636% | 3,394 |
| Return on assets (ROA) | 0.6636% | 3,459 |
| Pretax return on assets | 0.8343% | 3,321 |
| Return on Equity (ROE) | 6.5291% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.5291% | 1,705 |
| Net charge-offs to loans | 0.0079% | 2,283 |
| Credit loss provision to net charge-offs | 3,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 393 |
| Efficiency ratio | 72.5806% | 1,991 |
| Assets per employee ($millions) | 4.2082% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,015 |
| Loan loss allowance to noncurrent loans | 181.4363% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 2,189 |
| Noncurrent loans to loans | 0.7311% | 2,170 |
| Net loans and leases to total assets | 81.6154% | 482 |
| Net loans and leases to deposits | 91.3611% | 1,358 |
| Net loans and leases to core deposits | 104.7340% | 1,138 |
| Total domestic deposits to total assets | 89.3327% | 538 |
| Equity capital to assets | 10.2854% | 3,530 |
| Core capital (leverage) ratio | 9.7368% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,172,500 | 3,645 |
| Average earning assets | $113,307,000 | 3,659 |
| Average equity | $12,620,500 | 3,926 |
| Average total loans | $101,232,500 | 3,208 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2188% | 949 |
| Cost of funding earning assets | 1.5128% | 381 |
| Net interest margin | 3.7060% | 2,798 |
| Noninterest income to average assets | 0.5101% | 2,677 |
| Noninterest expense to average assets | 3.0516% | 1,873 |
| Loan and lease loss provision to assets | 0.7122% | 158 |
| Net operating income to assets | 0.1209% | 4,914 |
| Return on assets (ROA) | 0.1209% | 4,929 |
| Pretax return on assets | 0.1159% | 4,937 |
| Return on Equity (ROE) | 1.2508% | 4,888 |
| Retained earnings to average equity (ytd only) | 1.2508% | 4,291 |
| Net charge-offs to loans | 1.0824% | 147 |
| Credit loss provision to net charge-offs | 81.6714% | 2,775 |
| Earnings coverage of net charge-offs (x) | 0.9497% | 3,582 |
| Efficiency ratio | 76.6489% | 1,300 |
| Assets per employee ($millions) | 4.6781% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,188 |
| Loan loss allowance to noncurrent loans | 180.0853% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 2,222 |
| Noncurrent loans to loans | 0.6924% | 2,152 |
| Net loans and leases to total assets | 79.3766% | 877 |
| Net loans and leases to deposits | 95.6141% | 980 |
| Net loans and leases to core deposits | 111.4856% | 776 |
| Total domestic deposits to total assets | 83.0177% | 3,185 |
| Equity capital to assets | 10.0461% | 3,874 |
| Core capital (leverage) ratio | 9.7453% | 3,795 |
| Tier 1 risk-based capital ratio | 10.0411% | 5,117 |
| Total risk-based capital ratio | 11.1149% | 5,101 |
| Memoranda: | ||
| Average total assets | $120,756,800 | 3,688 |
| Average earning assets | $109,795,000 | 3,711 |
| Average equity | $11,672,200 | 4,039 |
| Average total loans | $97,284,400 | 3,263 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 1,062 |
| Cost of funding earning assets | 1.5409% | 362 |
| Net interest margin | 3.6494% | 3,096 |
| Noninterest income to average assets | 0.4490% | 3,027 |
| Noninterest expense to average assets | 2.9812% | 2,028 |
| Loan and lease loss provision to assets | 0.6702% | 160 |
| Net operating income to assets | 0.1262% | 4,997 |
| Return on assets (ROA) | 0.1262% | 5,015 |
| Pretax return on assets | 0.1229% | 5,024 |
| Return on Equity (ROE) | 1.3195% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.3195% | 4,486 |
| Net charge-offs to loans | 1.4577% | 90 |
| Credit loss provision to net charge-offs | 57.0342% | 2,735 |
| Earnings coverage of net charge-offs (x) | 0.6749% | 3,351 |
| Efficiency ratio | 76.9162% | 1,229 |
| Assets per employee ($millions) | 4.4590% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,434 |
| Loan loss allowance to noncurrent loans | 63.4931% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 911 |
| Noncurrent loans to loans | 1.6136% | 916 |
| Net loans and leases to total assets | 80.8047% | 732 |
| Net loans and leases to deposits | 92.2805% | 1,404 |
| Net loans and leases to core deposits | 110.0473% | 950 |
| Total domestic deposits to total assets | 87.5642% | 1,231 |
| Equity capital to assets | 10.5246% | 3,519 |
| Core capital (leverage) ratio | 9.9500% | 3,689 |
| Tier 1 risk-based capital ratio | 10.5417% | 5,064 |
| Total risk-based capital ratio | 11.4425% | 5,083 |
| Memoranda: | ||
| Average total assets | $119,369,000 | 3,754 |
| Average earning assets | $108,764,500 | 3,774 |
| Average equity | $11,418,000 | 4,106 |
| Average total loans | $96,224,250 | 3,319 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 1,262 |
| Cost of funding earning assets | 1.5460% | 324 |
| Net interest margin | 3.5376% | 3,479 |
| Noninterest income to average assets | 0.4100% | 3,212 |
| Noninterest expense to average assets | 2.9287% | 2,198 |
| Loan and lease loss provision to assets | 0.2016% | 847 |
| Net operating income to assets | 0.4049% | 4,727 |
| Return on assets (ROA) | 0.4049% | 4,748 |
| Pretax return on assets | 0.4940% | 4,708 |
| Return on Equity (ROE) | 4.3817% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.3817% | 3,076 |
| Net charge-offs to loans | 0.1026% | 1,358 |
| Credit loss provision to net charge-offs | 244.8980% | 1,040 |
| Earnings coverage of net charge-offs (x) | 8.4490% | 2,415 |
| Efficiency ratio | 78.5814% | 1,085 |
| Assets per employee ($millions) | 4.1966% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 975 |
| Loan loss allowance to noncurrent loans | 82.4353% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 692 |
| Noncurrent loans to loans | 1.9709% | 732 |
| Net loans and leases to total assets | 78.8390% | 1,067 |
| Net loans and leases to deposits | 87.6292% | 2,049 |
| Net loans and leases to core deposits | 104.3373% | 1,360 |
| Total domestic deposits to total assets | 89.9689% | 341 |
| Equity capital to assets | 9.5648% | 4,343 |
| Core capital (leverage) ratio | 9.0106% | 4,618 |
| Tier 1 risk-based capital ratio | 9.6299% | 5,264 |
| Total risk-based capital ratio | 10.8818% | 5,244 |
| Memoranda: | ||
| Average total assets | $119,027,330 | 3,783 |
| Average earning assets | $108,153,000 | 3,805 |
| Average equity | $11,000,330 | 4,172 |
| Average total loans | $95,535,330 | 3,347 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 975 |
| Cost of funding earning assets | 1.6000% | 226 |
| Net interest margin | 3.5630% | 3,387 |
| Noninterest income to average assets | 0.3907% | 3,253 |
| Noninterest expense to average assets | 2.9084% | 2,256 |
| Loan and lease loss provision to assets | 0.2004% | 800 |
| Net operating income to assets | 0.4007% | 4,730 |
| Return on assets (ROA) | 0.4007% | 4,744 |
| Pretax return on assets | 0.4942% | 4,700 |
| Return on Equity (ROE) | 4.4114% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.4114% | 3,165 |
| Net charge-offs to loans | 0.1871% | 746 |
| Credit loss provision to net charge-offs | 133.3333% | 1,335 |
| Earnings coverage of net charge-offs (x) | 4.6222% | 2,314 |
| Efficiency ratio | 78.5913% | 1,208 |
| Assets per employee ($millions) | 4.0226% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,077 |
| Loan loss allowance to noncurrent loans | 78.9079% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6013% | 715 |
| Noncurrent loans to loans | 2.0186% | 732 |
| Net loans and leases to total assets | 78.0652% | 1,133 |
| Net loans and leases to deposits | 86.6826% | 2,044 |
| Net loans and leases to core deposits | 106.1152% | 1,166 |
| Total domestic deposits to total assets | 90.0587% | 425 |
| Equity capital to assets | 9.4227% | 4,329 |
| Core capital (leverage) ratio | 8.7289% | 4,841 |
| Tier 1 risk-based capital ratio | 9.6307% | 5,323 |
| Total risk-based capital ratio | 10.8821% | 5,301 |
| Memoranda: | ||
| Average total assets | $119,789,000 | 3,808 |
| Average earning assets | $108,000,000 | 3,847 |
| Average equity | $10,881,000 | 4,212 |
| Average total loans | $96,218,500 | 3,380 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 806 |
| Cost of funding earning assets | 1.2446% | 282 |
| Net interest margin | 3.8801% | 2,396 |
| Noninterest income to average assets | 0.5324% | 2,644 |
| Noninterest expense to average assets | 2.9118% | 2,311 |
| Loan and lease loss provision to assets | 0.2074% | 902 |
| Net operating income to assets | 0.7554% | 3,950 |
| Return on assets (ROA) | 0.7554% | 3,955 |
| Pretax return on assets | 0.9455% | 3,772 |
| Return on Equity (ROE) | 8.4703% | 3,231 |
| Retained earnings to average equity (ytd only) | 6.5320% | 1,907 |
| Net charge-offs to loans | 0.0248% | 2,911 |
| Credit loss provision to net charge-offs | 1,043.4783% | 369 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,042 |
| Efficiency ratio | 69.6364% | 2,258 |
| Assets per employee ($millions) | 4.2387% | 3,558 |
| Cash dividends to net income (ytd only)* | 22.8833% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,415 |
| Loan loss allowance to noncurrent loans | 87.9445% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 929 |
| Noncurrent loans to loans | 1.6607% | 874 |
| Net loans and leases to total assets | 80.0802% | 933 |
| Net loans and leases to deposits | 99.7598% | 762 |
| Net loans and leases to core deposits | 121.7225% | 505 |
| Total domestic deposits to total assets | 80.2730% | 4,046 |
| Equity capital to assets | 8.7616% | 4,757 |
| Core capital (leverage) ratio | 8.3465% | 5,091 |
| Tier 1 risk-based capital ratio | 8.8863% | 5,385 |
| Total risk-based capital ratio | 10.1381% | 5,381 |
| Memoranda: | ||
| Average total assets | $115,701,800 | 3,856 |
| Average earning assets | $105,332,400 | 3,891 |
| Average equity | $10,318,400 | 4,262 |
| Average total loans | $92,884,600 | 3,426 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 880 |
| Cost of funding earning assets | 1.1481% | 329 |
| Net interest margin | 3.8826% | 2,370 |
| Noninterest income to average assets | 0.5818% | 2,408 |
| Noninterest expense to average assets | 2.8352% | 2,515 |
| Loan and lease loss provision to assets | 0.2107% | 801 |
| Net operating income to assets | 0.8510% | 3,737 |
| Return on assets (ROA) | 0.8510% | 3,743 |
| Pretax return on assets | 1.0711% | 3,495 |
| Return on Equity (ROE) | 9.4979% | 2,849 |
| Retained earnings to average equity (ytd only) | 6.8850% | 2,188 |
| Net charge-offs to loans | 0.0337% | 2,413 |
| Credit loss provision to net charge-offs | 782.6087% | 500 |
| Earnings coverage of net charge-offs (x) | 47.6022% | 1,205 |
| Efficiency ratio | 66.8752% | 2,734 |
| Assets per employee ($millions) | 4.1913% | 3,587 |
| Cash dividends to net income (ytd only)* | 27.5103% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,649 |
| Loan loss allowance to noncurrent loans | 83.8729% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 978 |
| Noncurrent loans to loans | 1.6853% | 922 |
| Net loans and leases to total assets | 80.2761% | 976 |
| Net loans and leases to deposits | 98.4870% | 914 |
| Net loans and leases to core deposits | 116.9097% | 673 |
| Total domestic deposits to total assets | 81.5094% | 3,735 |
| Equity capital to assets | 8.5958% | 4,866 |
| Core capital (leverage) ratio | 8.4009% | 5,143 |
| Tier 1 risk-based capital ratio | 8.6820% | 5,460 |
| Total risk-based capital ratio | 9.9162% | 5,458 |
| Memoranda: | ||
| Average total assets | $113,896,500 | 3,927 |
| Average earning assets | $103,709,250 | 3,958 |
| Average equity | $10,205,500 | 4,317 |
| Average total loans | $91,131,750 | 3,479 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9225% | 967 |
| Cost of funding earning assets | 1.0359% | 393 |
| Net interest margin | 3.8866% | 2,253 |
| Noninterest income to average assets | 0.4580% | 3,104 |
| Noninterest expense to average assets | 2.8757% | 2,425 |
| Loan and lease loss provision to assets | 0.2155% | 769 |
| Net operating income to assets | 0.7167% | 4,153 |
| Return on assets (ROA) | 0.7167% | 4,158 |
| Pretax return on assets | 0.8981% | 3,973 |
| Return on Equity (ROE) | 7.8817% | 3,553 |
| Retained earnings to average equity (ytd only) | 3.9310% | 3,641 |
| Net charge-offs to loans | 0.0474% | 1,937 |
| Credit loss provision to net charge-offs | 571.4286% | 650 |
| Earnings coverage of net charge-offs (x) | 29.5238% | 1,518 |
| Efficiency ratio | 69.9685% | 2,318 |
| Assets per employee ($millions) | 3.9406% | 4,004 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,505 |
| Loan loss allowance to noncurrent loans | 88.9257% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 1,068 |
| Noncurrent loans to loans | 1.6459% | 972 |
| Net loans and leases to total assets | 79.0000% | 1,161 |
| Net loans and leases to deposits | 98.4461% | 934 |
| Net loans and leases to core deposits | 111.9560% | 889 |
| Total domestic deposits to total assets | 80.2469% | 4,185 |
| Equity capital to assets | 8.9100% | 4,632 |
| Core capital (leverage) ratio | 8.6022% | 5,036 |
| Tier 1 risk-based capital ratio | 8.9886% | 5,512 |
| Total risk-based capital ratio | 10.1620% | 5,514 |
| Memoranda: | ||
| Average total assets | $111,346,000 | 3,996 |
| Average earning assets | $101,167,670 | 4,030 |
| Average equity | $10,124,670 | 4,366 |
| Average total loans | $88,518,000 | 3,554 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 898 |
| Cost of funding earning assets | 0.9987% | 367 |
| Net interest margin | 3.8866% | 2,096 |
| Noninterest income to average assets | 0.4441% | 3,154 |
| Noninterest expense to average assets | 2.7011% | 3,037 |
| Loan and lease loss provision to assets | 0.2184% | 723 |
| Net operating income to assets | 0.8336% | 3,580 |
| Return on assets (ROA) | 0.8336% | 3,594 |
| Pretax return on assets | 1.0520% | 3,351 |
| Return on Equity (ROE) | 9.0729% | 2,878 |
| Retained earnings to average equity (ytd only) | 1.1490% | 4,587 |
| Net charge-offs to loans | 0.0874% | 1,284 |
| Credit loss provision to net charge-offs | 315.7895% | 788 |
| Earnings coverage of net charge-offs (x) | 18.3684% | 1,539 |
| Efficiency ratio | 65.9028% | 3,178 |
| Assets per employee ($millions) | 3.8949% | 4,159 |
| Cash dividends to net income (ytd only)* | 87.3362% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,568 |
| Loan loss allowance to noncurrent loans | 70.0710% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 772 |
| Noncurrent loans to loans | 2.1027% | 738 |
| Net loans and leases to total assets | 78.6682% | 1,130 |
| Net loans and leases to deposits | 94.8807% | 1,146 |
| Net loans and leases to core deposits | 105.6902% | 1,262 |
| Total domestic deposits to total assets | 82.9128% | 3,696 |
| Equity capital to assets | 9.1951% | 4,370 |
| Core capital (leverage) ratio | 8.6142% | 5,050 |
| Tier 1 risk-based capital ratio | 9.2127% | 5,573 |
| Total risk-based capital ratio | 10.3983% | 5,572 |
| Memoranda: | ||
| Average total assets | $109,881,000 | 4,068 |
| Average earning assets | $99,727,500 | 4,103 |
| Average equity | $10,096,000 | 4,412 |
| Average total loans | $86,967,500 | 3,608 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,157 |
| Cost of funding earning assets | 0.8037% | 607 |
| Net interest margin | 3.9144% | 2,045 |
| Noninterest income to average assets | 0.4526% | 3,294 |
| Noninterest expense to average assets | 3.2587% | 1,464 |
| Loan and lease loss provision to assets | 0.3363% | 492 |
| Net operating income to assets | 0.4690% | 4,462 |
| Return on assets (ROA) | 0.4670% | 4,501 |
| Pretax return on assets | 0.3661% | 5,127 |
| Return on Equity (ROE) | 4.8489% | 4,222 |
| Retained earnings to average equity (ytd only) | 3.3524% | 3,287 |
| Net charge-offs to loans | -0.0075% | 4,724 |
| Credit loss provision to net charge-offs | -5,833.3333% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9467% | 1,111 |
| Assets per employee ($millions) | 4.2578% | 3,564 |
| Cash dividends to net income (ytd only)* | 30.8642% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,651 |
| Loan loss allowance to noncurrent loans | 77.7708% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 972 |
| Noncurrent loans to loans | 1.8386% | 863 |
| Net loans and leases to total assets | 77.3378% | 1,373 |
| Net loans and leases to deposits | 98.0542% | 899 |
| Net loans and leases to core deposits | 111.8316% | 909 |
| Total domestic deposits to total assets | 78.8725% | 4,569 |
| Equity capital to assets | 9.1812% | 4,550 |
| Core capital (leverage) ratio | 8.6275% | 5,019 |
| Tier 1 risk-based capital ratio | 9.1838% | 5,626 |
| Total risk-based capital ratio | 10.4060% | 5,617 |
| Memoranda: | ||
| Average total assets | $104,060,000 | 4,167 |
| Average earning assets | $93,321,200 | 4,215 |
| Average equity | $10,022,800 | 4,441 |
| Average total loans | $79,909,200 | 3,749 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,255 |
| Cost of funding earning assets | 0.7639% | 708 |
| Net interest margin | 3.8821% | 2,100 |
| Noninterest income to average assets | 0.4401% | 3,402 |
| Noninterest expense to average assets | 3.1601% | 1,654 |
| Loan and lease loss provision to assets | 0.3776% | 378 |
| Net operating income to assets | 0.2920% | 5,228 |
| Return on assets (ROA) | 0.2930% | 5,250 |
| Pretax return on assets | 0.3841% | 5,212 |
| Return on Equity (ROE) | 3.0037% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.0037% | 4,117 |
| Net charge-offs to loans | -0.0119% | 4,681 |
| Credit loss provision to net charge-offs | -4,142.8571% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2796% | 1,296 |
| Assets per employee ($millions) | 4.2766% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 2,059 |
| Loan loss allowance to noncurrent loans | 61.6467% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 828 |
| Noncurrent loans to loans | 2.2134% | 739 |
| Net loans and leases to total assets | 76.9100% | 1,433 |
| Net loans and leases to deposits | 97.8579% | 933 |
| Net loans and leases to core deposits | 111.5958% | 944 |
| Total domestic deposits to total assets | 78.5936% | 4,611 |
| Equity capital to assets | 9.0934% | 4,827 |
| Core capital (leverage) ratio | 8.7125% | 5,048 |
| Tier 1 risk-based capital ratio | 9.1070% | 5,697 |
| Total risk-based capital ratio | 10.3569% | 5,693 |
| Memoranda: | ||
| Average total assets | $102,399,000 | 4,239 |
| Average earning assets | $91,803,000 | 4,287 |
| Average equity | $9,987,500 | 4,490 |
| Average total loans | $78,172,000 | 3,820 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,299 |
| Cost of funding earning assets | 0.7490% | 693 |
| Net interest margin | 3.8305% | 2,173 |
| Noninterest income to average assets | 0.4846% | 3,116 |
| Noninterest expense to average assets | 3.2010% | 1,576 |
| Loan and lease loss provision to assets | 0.1609% | 1,242 |
| Net operating income to assets | 0.3666% | 5,052 |
| Return on assets (ROA) | 0.3639% | 5,082 |
| Pretax return on assets | 0.5429% | 4,924 |
| Return on Equity (ROE) | 3.6395% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.6395% | 3,541 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4753% | 1,274 |
| Assets per employee ($millions) | 3.8787% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,812 |
| Loan loss allowance to noncurrent loans | 55.9351% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 830 |
| Noncurrent loans to loans | 2.2036% | 733 |
| Net loans and leases to total assets | 76.7566% | 1,421 |
| Net loans and leases to deposits | 89.4567% | 1,808 |
| Net loans and leases to core deposits | 102.4390% | 1,471 |
| Total domestic deposits to total assets | 85.8031% | 2,470 |
| Equity capital to assets | 10.0093% | 3,899 |
| Core capital (leverage) ratio | 9.1980% | 4,490 |
| Tier 1 risk-based capital ratio | 9.9578% | 5,640 |
| Total risk-based capital ratio | 11.0082% | 5,649 |
| Memoranda: | ||
| Average total assets | $99,468,330 | 4,321 |
| Average earning assets | $88,917,670 | 4,379 |
| Average equity | $9,946,330 | 4,514 |
| Average total loans | $75,329,330 | 3,894 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,168 |
| Cost of funding earning assets | 0.7227% | 754 |
| Net interest margin | 3.8649% | 1,908 |
| Noninterest income to average assets | 0.4940% | 3,020 |
| Noninterest expense to average assets | 3.0209% | 2,111 |
| Loan and lease loss provision to assets | 0.1417% | 1,328 |
| Net operating income to assets | 0.5224% | 4,508 |
| Return on assets (ROA) | 0.5224% | 4,542 |
| Pretax return on assets | 0.7532% | 4,277 |
| Return on Equity (ROE) | 5.2266% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.2266% | 2,769 |
| Net charge-offs to loans | -0.0108% | 4,465 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7673% | 2,100 |
| Assets per employee ($millions) | 3.6813% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,727 |
| Loan loss allowance to noncurrent loans | 7,691.6667% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,304 |
| Noncurrent loans to loans | 0.0164% | 5,169 |
| Net loans and leases to total assets | 75.2952% | 1,529 |
| Net loans and leases to deposits | 86.5069% | 1,977 |
| Net loans and leases to core deposits | 98.4495% | 1,624 |
| Total domestic deposits to total assets | 87.0395% | 2,197 |
| Equity capital to assets | 10.3945% | 3,298 |
| Core capital (leverage) ratio | 9.4459% | 4,182 |
| Tier 1 risk-based capital ratio | 10.8020% | 5,404 |
| Total risk-based capital ratio | 11.8988% | 5,399 |
| Memoranda: | ||
| Average total assets | $98,779,500 | 4,374 |
| Average earning assets | $87,453,000 | 4,452 |
| Average equity | $9,872,500 | 4,559 |
| Average total loans | $73,808,000 | 3,956 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 1,053 |
| Cost of funding earning assets | 0.6957% | 826 |
| Net interest margin | 4.0092% | 1,611 |
| Noninterest income to average assets | 0.4048% | 3,839 |
| Noninterest expense to average assets | 3.1175% | 1,982 |
| Loan and lease loss provision to assets | 0.1738% | 1,393 |
| Net operating income to assets | 0.4770% | 4,722 |
| Return on assets (ROA) | 0.4814% | 4,779 |
| Pretax return on assets | 0.6715% | 4,581 |
| Return on Equity (ROE) | 4.7735% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.7465% | 3,946 |
| Net charge-offs to loans | -0.0165% | 5,072 |
| Credit loss provision to net charge-offs | -1,416.6667% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3627% | 1,925 |
| Assets per employee ($millions) | 3.7720% | 4,360 |
| Cash dividends to net income (ytd only)* | 42.4628% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,196 |
| Loan loss allowance to noncurrent loans | 11,075.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,383 |
| Noncurrent loans to loans | 0.0107% | 5,248 |
| Net loans and leases to total assets | 72.4032% | 2,111 |
| Net loans and leases to deposits | 89.0406% | 1,799 |
| Net loans and leases to core deposits | 102.6134% | 1,403 |
| Total domestic deposits to total assets | 81.3147% | 4,253 |
| Equity capital to assets | 9.6185% | 4,150 |
| Core capital (leverage) ratio | 9.2461% | 4,414 |
| Tier 1 risk-based capital ratio | 10.3339% | 5,649 |
| Total risk-based capital ratio | 11.3469% | 5,659 |
| Memoranda: | ||
| Average total assets | $97,835,600 | 4,389 |
| Average earning assets | $86,676,600 | 4,458 |
| Average equity | $9,867,000 | 4,604 |
| Average total loans | $72,813,400 | 3,971 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 940 |
| Cost of funding earning assets | 0.6974% | 824 |
| Net interest margin | 4.0806% | 1,439 |
| Noninterest income to average assets | 0.3015% | 4,613 |
| Noninterest expense to average assets | 3.0650% | 2,110 |
| Loan and lease loss provision to assets | 0.1239% | 1,877 |
| Net operating income to assets | 0.5329% | 4,563 |
| Return on assets (ROA) | 0.5329% | 4,667 |
| Pretax return on assets | 0.7463% | 4,482 |
| Return on Equity (ROE) | 5.2201% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.2201% | 2,681 |
| Net charge-offs to loans | -0.0055% | 4,637 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9272% | 1,982 |
| Assets per employee ($millions) | 3.7209% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,069 |
| Loan loss allowance to noncurrent loans | 134.8562% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 3,148 |
| Noncurrent loans to loans | 0.7860% | 2,713 |
| Net loans and leases to total assets | 74.0504% | 1,864 |
| Net loans and leases to deposits | 90.5279% | 1,691 |
| Net loans and leases to core deposits | 107.4918% | 1,080 |
| Total domestic deposits to total assets | 81.7985% | 4,004 |
| Equity capital to assets | 10.0723% | 4,068 |
| Core capital (leverage) ratio | 9.1905% | 4,607 |
| Tier 1 risk-based capital ratio | 10.6196% | 5,563 |
| Total risk-based capital ratio | 11.5464% | 5,633 |
| Memoranda: | ||
| Average total assets | $96,833,250 | 4,445 |
| Average earning assets | $86,227,000 | 4,504 |
| Average equity | $9,884,750 | 4,640 |
| Average total loans | $72,360,500 | 4,010 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 1,136 |
| Cost of funding earning assets | 0.6807% | 887 |
| Net interest margin | 3.9831% | 1,697 |
| Noninterest income to average assets | 0.2907% | 4,707 |
| Noninterest expense to average assets | 3.1875% | 1,839 |
| Loan and lease loss provision to assets | 0.1255% | 1,817 |
| Net operating income to assets | 0.3953% | 5,052 |
| Return on assets (ROA) | 0.3953% | 5,128 |
| Pretax return on assets | 0.5271% | 5,084 |
| Return on Equity (ROE) | 3.8545% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.8545% | 3,441 |
| Net charge-offs to loans | -0.0084% | 4,649 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8824% | 1,395 |
| Assets per employee ($millions) | 3.9415% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,294 |
| Loan loss allowance to noncurrent loans | 82.0128% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 2,256 |
| Noncurrent loans to loans | 1.2664% | 1,801 |
| Net loans and leases to total assets | 74.0676% | 1,828 |
| Net loans and leases to deposits | 88.1641% | 1,976 |
| Net loans and leases to core deposits | 104.2241% | 1,301 |
| Total domestic deposits to total assets | 84.0111% | 3,264 |
| Equity capital to assets | 10.0906% | 4,108 |
| Core capital (leverage) ratio | 9.5097% | 4,196 |
| Tier 1 risk-based capital ratio | 10.5851% | 5,634 |
| Total risk-based capital ratio | 11.4933% | 5,701 |
| Memoranda: | ||
| Average total assets | $95,623,000 | 4,505 |
| Average earning assets | $85,210,330 | 4,557 |
| Average equity | $9,806,670 | 4,683 |
| Average total loans | $71,417,000 | 4,056 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,204 |
| Cost of funding earning assets | 0.6816% | 885 |
| Net interest margin | 3.9417% | 1,809 |
| Noninterest income to average assets | 0.2761% | 4,749 |
| Noninterest expense to average assets | 3.3260% | 1,539 |
| Loan and lease loss provision to assets | 0.1274% | 1,665 |
| Net operating income to assets | 0.2549% | 5,427 |
| Return on assets (ROA) | 0.2549% | 5,495 |
| Pretax return on assets | 0.3356% | 5,441 |
| Return on Equity (ROE) | 2.4644% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.4644% | 4,273 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4260% | 1,029 |
| Assets per employee ($millions) | 3.8800% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 4,301 |
| Loan loss allowance to noncurrent loans | 12,233.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,652 |
| Noncurrent loans to loans | 0.0086% | 5,489 |
| Net loans and leases to total assets | 73.7084% | 1,775 |
| Net loans and leases to deposits | 83.1774% | 2,404 |
| Net loans and leases to core deposits | 97.9521% | 1,640 |
| Total domestic deposits to total assets | 88.6159% | 1,298 |
| Equity capital to assets | 10.5025% | 3,493 |
| Core capital (leverage) ratio | 9.5170% | 4,170 |
| Tier 1 risk-based capital ratio | 11.1686% | 5,418 |
| Total risk-based capital ratio | 12.1011% | 5,492 |
| Memoranda: | ||
| Average total assets | $94,166,000 | 4,572 |
| Average earning assets | $83,923,000 | 4,625 |
| Average equity | $9,738,500 | 4,718 |
| Average total loans | $70,250,500 | 4,110 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,092 |
| Cost of funding earning assets | 0.6605% | 1,018 |
| Net interest margin | 4.0459% | 1,574 |
| Noninterest income to average assets | 0.2207% | 5,275 |
| Noninterest expense to average assets | 2.9827% | 2,608 |
| Loan and lease loss provision to assets | 0.1488% | 1,582 |
| Net operating income to assets | 0.4946% | 4,714 |
| Return on assets (ROA) | 0.4946% | 4,806 |
| Pretax return on assets | 0.7116% | 4,501 |
| Return on Equity (ROE) | 5.0128% | 4,497 |
| Retained earnings to average equity (ytd only) | 2.1860% | 4,478 |
| Net charge-offs to loans | -0.0068% | 5,030 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3226% | 2,380 |
| Assets per employee ($millions) | 4.1396% | 3,680 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,673 |
| Loan loss allowance to noncurrent loans | 7,822.2222% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,670 |
| Noncurrent loans to loans | 0.0127% | 5,483 |
| Net loans and leases to total assets | 73.9673% | 1,736 |
| Net loans and leases to deposits | 87.1715% | 1,982 |
| Net loans and leases to core deposits | 101.9869% | 1,364 |
| Total domestic deposits to total assets | 84.8526% | 3,151 |
| Equity capital to assets | 10.1847% | 3,765 |
| Core capital (leverage) ratio | 10.2962% | 3,159 |
| Tier 1 risk-based capital ratio | 10.9968% | 5,525 |
| Total risk-based capital ratio | 11.8736% | 5,635 |
| Memoranda: | ||
| Average total assets | $80,666,200 | 4,854 |
| Average earning assets | $72,220,600 | 4,891 |
| Average equity | $7,959,600 | 5,071 |
| Average total loans | $58,977,600 | 4,404 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,091 |
| Cost of funding earning assets | 0.6542% | 1,070 |
| Net interest margin | 4.0504% | 1,560 |
| Noninterest income to average assets | 0.2198% | 5,340 |
| Noninterest expense to average assets | 2.8335% | 3,062 |
| Loan and lease loss provision to assets | 0.0866% | 2,434 |
| Net operating income to assets | 0.6681% | 4,045 |
| Return on assets (ROA) | 0.6681% | 4,158 |
| Pretax return on assets | 0.9433% | 3,839 |
| Return on Equity (ROE) | 6.8390% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.8390% | 1,765 |
| Net charge-offs to loans | -0.0095% | 4,974 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0125% | 3,044 |
| Assets per employee ($millions) | 4.3350% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,538 |
| Loan loss allowance to noncurrent loans | 417.1053% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,016 |
| Noncurrent loans to loans | 0.2489% | 4,682 |
| Net loans and leases to total assets | 73.3795% | 1,842 |
| Net loans and leases to deposits | 95.3642% | 1,065 |
| Net loans and leases to core deposits | 112.5850% | 732 |
| Total domestic deposits to total assets | 76.9465% | 5,346 |
| Equity capital to assets | 9.3620% | 4,927 |
| Core capital (leverage) ratio | 8.7170% | 5,332 |
| Tier 1 risk-based capital ratio | 9.9859% | 6,045 |
| Total risk-based capital ratio | 10.8991% | 6,087 |
| Memoranda: | ||
| Average total assets | $77,030,000 | 4,982 |
| Average earning assets | $69,292,250 | 5,011 |
| Average equity | $7,525,250 | 5,206 |
| Average total loans | $55,939,750 | 4,541 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 1,259 |
| Cost of funding earning assets | 0.6590% | 1,054 |
| Net interest margin | 3.9508% | 1,804 |
| Noninterest income to average assets | 0.2658% | 5,052 |
| Noninterest expense to average assets | 2.8943% | 2,915 |
| Loan and lease loss provision to assets | 0.0797% | 2,518 |
| Net operating income to assets | 0.6325% | 4,208 |
| Return on assets (ROA) | 0.6325% | 4,320 |
| Pretax return on assets | 0.8452% | 4,141 |
| Return on Equity (ROE) | 6.3779% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.3779% | 2,016 |
| Net charge-offs to loans | -0.0074% | 4,848 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7829% | 2,400 |
| Assets per employee ($millions) | 4.1020% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 4,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.5051% | 1,894 |
| Net loans and leases to deposits | 87.3103% | 1,908 |
| Net loans and leases to core deposits | 100.8549% | 1,416 |
| Total domestic deposits to total assets | 83.0429% | 3,937 |
| Equity capital to assets | 9.6923% | 4,409 |
| Core capital (leverage) ratio | 8.8286% | 5,190 |
| Tier 1 risk-based capital ratio | 10.1799% | 6,036 |
| Total risk-based capital ratio | 11.1266% | 6,075 |
| Memoranda: | ||
| Average total assets | $75,251,670 | 5,072 |
| Average earning assets | $67,683,330 | 5,111 |
| Average equity | $7,463,330 | 5,267 |
| Average total loans | $54,228,670 | 4,636 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,206 |
| Cost of funding earning assets | 0.6709% | 996 |
| Net interest margin | 3.9349% | 1,768 |
| Noninterest income to average assets | 0.2381% | 5,263 |
| Noninterest expense to average assets | 2.8197% | 3,178 |
| Loan and lease loss provision to assets | 0.0812% | 2,347 |
| Net operating income to assets | 0.6549% | 4,024 |
| Return on assets (ROA) | 0.6549% | 4,145 |
| Pretax return on assets | 0.8605% | 4,021 |
| Return on Equity (ROE) | 6.5247% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.5247% | 2,227 |
| Net charge-offs to loans | -0.0834% | 5,771 |
| Credit loss provision to net charge-offs | -136.3636% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9640% | 2,654 |
| Assets per employee ($millions) | 4.3244% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 4,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.0172% | 2,283 |
| Net loans and leases to deposits | 77.7237% | 2,842 |
| Net loans and leases to core deposits | 89.6605% | 2,160 |
| Total domestic deposits to total assets | 88.7982% | 1,391 |
| Equity capital to assets | 10.1884% | 3,894 |
| Core capital (leverage) ratio | 8.8244% | 5,169 |
| Tier 1 risk-based capital ratio | 11.0191% | 5,801 |
| Total risk-based capital ratio | 12.0542% | 5,822 |
| Memoranda: | ||
| Average total assets | $73,908,500 | 5,153 |
| Average earning assets | $66,176,500 | 5,196 |
| Average equity | $7,418,000 | 5,324 |
| Average total loans | $52,782,500 | 4,709 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8609% | 992 |
| Cost of funding earning assets | 0.7000% | 1,114 |
| Net interest margin | 4.1610% | 1,403 |
| Noninterest income to average assets | 0.3262% | 4,785 |
| Noninterest expense to average assets | 2.7204% | 3,789 |
| Loan and lease loss provision to assets | 0.1238% | 2,118 |
| Net operating income to assets | 0.8709% | 3,013 |
| Return on assets (ROA) | 0.8709% | 3,105 |
| Pretax return on assets | 1.2306% | 2,527 |
| Return on Equity (ROE) | 8.1877% | 3,029 |
| Retained earnings to average equity (ytd only) | 2.7110% | 4,320 |
| Net charge-offs to loans | -0.1277% | 6,173 |
| Credit loss provision to net charge-offs | -128.7879% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7620% | 4,097 |
| Assets per employee ($millions) | 4.3707% | 3,234 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 4,695 |
| Loan loss allowance to noncurrent loans | 386.6667% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,216 |
| Noncurrent loans to loans | 0.2766% | 4,863 |
| Net loans and leases to total assets | 72.1932% | 1,876 |
| Net loans and leases to deposits | 84.2789% | 2,178 |
| Net loans and leases to core deposits | 97.1669% | 1,622 |
| Total domestic deposits to total assets | 85.6599% | 3,007 |
| Equity capital to assets | 9.8867% | 4,250 |
| Core capital (leverage) ratio | 8.8509% | 5,181 |
| Tier 1 risk-based capital ratio | 10.3765% | 6,154 |
| Total risk-based capital ratio | 11.3292% | 6,182 |
| Memoranda: | ||
| Average total assets | $68,667,000 | 5,330 |
| Average earning assets | $61,860,800 | 5,346 |
| Average equity | $7,303,600 | 5,348 |
| Average total loans | $51,698,800 | 4,760 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 958 |
| Cost of funding earning assets | 0.7112% | 1,100 |
| Net interest margin | 4.1747% | 1,364 |
| Noninterest income to average assets | 0.3568% | 4,586 |
| Noninterest expense to average assets | 2.6821% | 3,889 |
| Loan and lease loss provision to assets | 0.1388% | 1,800 |
| Net operating income to assets | 0.9277% | 2,788 |
| Return on assets (ROA) | 0.9277% | 2,879 |
| Pretax return on assets | 1.2945% | 2,396 |
| Return on Equity (ROE) | 8.5559% | 2,927 |
| Retained earnings to average equity (ytd only) | 4.8995% | 3,157 |
| Net charge-offs to loans | -0.1723% | 6,279 |
| Credit loss provision to net charge-offs | -106.0606% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1734% | 4,340 |
| Assets per employee ($millions) | 4.6251% | 2,775 |
| Cash dividends to net income (ytd only)* | 42.7353% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 4,967 |
| Loan loss allowance to noncurrent loans | 369.2810% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 5,336 |
| Noncurrent loans to loans | 0.2856% | 5,056 |
| Net loans and leases to total assets | 76.4083% | 1,171 |
| Net loans and leases to deposits | 86.7819% | 1,819 |
| Net loans and leases to core deposits | 100.8025% | 1,308 |
| Total domestic deposits to total assets | 88.0463% | 1,736 |
| Equity capital to assets | 10.6708% | 3,341 |
| Core capital (leverage) ratio | 9.5292% | 4,332 |
| Tier 1 risk-based capital ratio | 10.9596% | 6,008 |
| Total risk-based capital ratio | 11.9301% | 6,093 |
| Memoranda: | ||
| Average total assets | $67,258,250 | 5,421 |
| Average earning assets | $60,554,500 | 5,440 |
| Average equity | $7,293,000 | 5,390 |
| Average total loans | $51,068,250 | 4,825 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,086 |
| Cost of funding earning assets | 0.7193% | 1,091 |
| Net interest margin | 4.0702% | 1,607 |
| Noninterest income to average assets | 0.3516% | 4,614 |
| Noninterest expense to average assets | 2.7407% | 3,727 |
| Loan and lease loss provision to assets | 0.1653% | 1,482 |
| Net operating income to assets | 0.8324% | 3,168 |
| Return on assets (ROA) | 0.8324% | 3,260 |
| Pretax return on assets | 1.0849% | 3,157 |
| Return on Equity (ROE) | 7.6347% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.6347% | 1,460 |
| Net charge-offs to loans | -0.2588% | 6,402 |
| Credit loss provision to net charge-offs | -84.6154% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6747% | 3,885 |
| Assets per employee ($millions) | 4.4573% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,916 |
| Loan loss allowance to noncurrent loans | 366.0000% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 5,432 |
| Noncurrent loans to loans | 0.3001% | 5,118 |
| Net loans and leases to total assets | 73.9452% | 1,452 |
| Net loans and leases to deposits | 84.4159% | 1,992 |
| Net loans and leases to core deposits | 98.7437% | 1,390 |
| Total domestic deposits to total assets | 87.5963% | 2,148 |
| Equity capital to assets | 11.1324% | 2,752 |
| Core capital (leverage) ratio | 9.6969% | 4,051 |
| Tier 1 risk-based capital ratio | 11.5059% | 5,795 |
| Total risk-based capital ratio | 12.4977% | 5,876 |
| Memoranda: | ||
| Average total assets | $66,552,330 | 5,492 |
| Average earning assets | $59,506,000 | 5,516 |
| Average equity | $7,256,330 | 5,423 |
| Average total loans | $50,233,000 | 4,888 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 1,157 |
| Cost of funding earning assets | 0.7240% | 1,106 |
| Net interest margin | 4.0191% | 1,692 |
| Noninterest income to average assets | 0.3193% | 4,821 |
| Noninterest expense to average assets | 2.8916% | 3,243 |
| Loan and lease loss provision to assets | 0.1807% | 1,329 |
| Net operating income to assets | 0.6265% | 4,058 |
| Return on assets (ROA) | 0.6265% | 4,144 |
| Pretax return on assets | 0.8253% | 4,000 |
| Return on Equity (ROE) | 5.8076% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.8076% | 2,643 |
| Net charge-offs to loans | -0.5084% | 6,560 |
| Credit loss provision to net charge-offs | -46.8750% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1886% | 3,101 |
| Assets per employee ($millions) | 4.3613% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 5,275 |
| Loan loss allowance to noncurrent loans | 87.6047% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 3,448 |
| Noncurrent loans to loans | 1.2152% | 3,015 |
| Net loans and leases to total assets | 74.2953% | 1,230 |
| Net loans and leases to deposits | 84.6303% | 1,757 |
| Net loans and leases to core deposits | 99.3256% | 1,148 |
| Total domestic deposits to total assets | 87.7881% | 2,354 |
| Equity capital to assets | 11.0456% | 2,681 |
| Core capital (leverage) ratio | 9.3821% | 4,452 |
| Tier 1 risk-based capital ratio | 11.2335% | 6,049 |
| Total risk-based capital ratio | 12.1989% | 6,128 |
| Memoranda: | ||
| Average total assets | $66,399,000 | 5,553 |
| Average earning assets | $59,117,500 | 5,586 |
| Average equity | $7,163,000 | 5,476 |
| Average total loans | $50,355,500 | 4,917 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 1,134 |
| Cost of funding earning assets | 0.7102% | 1,740 |
| Net interest margin | 4.1688% | 1,447 |
| Noninterest income to average assets | 0.2564% | 5,512 |
| Noninterest expense to average assets | 2.7644% | 3,855 |
| Loan and lease loss provision to assets | 0.1694% | 2,162 |
| Net operating income to assets | 0.9076% | 2,739 |
| Return on assets (ROA) | 0.9277% | 2,732 |
| Pretax return on assets | 1.1421% | 2,800 |
| Return on Equity (ROE) | 8.4876% | 2,784 |
| Retained earnings to average equity (ytd only) | 4.5779% | 2,903 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2394% | 4,156 |
| Assets per employee ($millions) | 4.4919% | 2,915 |
| Cash dividends to net income (ytd only)* | 46.0637% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 6,098 |
| Loan loss allowance to noncurrent loans | 286.0000% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 5,613 |
| Noncurrent loans to loans | 0.2908% | 5,317 |
| Net loans and leases to total assets | 75.9224% | 1,084 |
| Net loans and leases to deposits | 93.7540% | 898 |
| Net loans and leases to core deposits | 110.4406% | 594 |
| Total domestic deposits to total assets | 80.9804% | 5,184 |
| Equity capital to assets | 10.5376% | 3,104 |
| Core capital (leverage) ratio | 8.7670% | 5,336 |
| Tier 1 risk-based capital ratio | 10.7529% | 6,280 |
| Total risk-based capital ratio | 11.5264% | 6,395 |
| Memoranda: | ||
| Average total assets | $64,352,800 | 5,643 |
| Average earning assets | $58,577,400 | 5,642 |
| Average equity | $7,033,800 | 5,560 |
| Average total loans | $46,969,800 | 5,069 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 1,400 |
| Cost of funding earning assets | 0.6919% | 2,007 |
| Net interest margin | 4.0845% | 1,677 |
| Noninterest income to average assets | 0.2788% | 5,452 |
| Noninterest expense to average assets | 2.8785% | 3,380 |
| Loan and lease loss provision to assets | 0.1572% | 2,296 |
| Net operating income to assets | 0.8280% | 3,209 |
| Return on assets (ROA) | 0.8533% | 3,195 |
| Pretax return on assets | 0.9979% | 3,510 |
| Return on Equity (ROE) | 7.7331% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.8331% | 2,521 |
| Net charge-offs to loans | -0.0233% | 6,093 |
| Credit loss provision to net charge-offs | -937.5000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8848% | 3,427 |
| Assets per employee ($millions) | 4.9178% | 2,277 |
| Cash dividends to net income (ytd only)* | 24.5702% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 6,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 77.1776% | 851 |
| Net loans and leases to deposits | 102.7041% | 340 |
| Net loans and leases to core deposits | 114.3620% | 438 |
| Total domestic deposits to total assets | 75.1456% | 6,266 |
| Equity capital to assets | 10.3139% | 3,488 |
| Core capital (leverage) ratio | 9.0853% | 4,986 |
| Tier 1 risk-based capital ratio | 10.4572% | 6,469 |
| Total risk-based capital ratio | 11.1669% | 6,584 |
| Memoranda: | ||
| Average total assets | $63,596,500 | 5,722 |
| Average earning assets | $58,006,000 | 5,717 |
| Average equity | $7,017,250 | 5,631 |
| Average total loans | $45,816,250 | 5,172 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 1,498 |
| Cost of funding earning assets | 0.7158% | 1,954 |
| Net interest margin | 4.0099% | 1,825 |
| Noninterest income to average assets | 0.3105% | 5,223 |
| Noninterest expense to average assets | 2.9396% | 3,203 |
| Loan and lease loss provision to assets | 0.1455% | 2,520 |
| Net operating income to assets | 0.7381% | 3,623 |
| Return on assets (ROA) | 0.7794% | 3,573 |
| Pretax return on assets | 0.9152% | 3,853 |
| Return on Equity (ROE) | 6.8962% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.8962% | 1,933 |
| Net charge-offs to loans | -0.0370% | 6,149 |
| Credit loss provision to net charge-offs | -562.5000% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3863% | 3,054 |
| Assets per employee ($millions) | 4.2686% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 6,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 74.2898% | 1,207 |
| Net loans and leases to deposits | 95.6005% | 700 |
| Net loans and leases to core deposits | 106.9306% | 693 |
| Total domestic deposits to total assets | 77.7085% | 6,025 |
| Equity capital to assets | 10.9888% | 2,762 |
| Core capital (leverage) ratio | 9.9142% | 3,640 |
| Tier 1 risk-based capital ratio | 11.4885% | 6,114 |
| Total risk-based capital ratio | 12.2075% | 6,323 |
| Memoranda: | ||
| Average total assets | $61,845,670 | 5,810 |
| Average earning assets | $56,161,330 | 5,798 |
| Average equity | $6,989,330 | 5,684 |
| Average total loans | $43,242,000 | 5,293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 1,393 |
| Cost of funding earning assets | 0.7511% | 1,840 |
| Net interest margin | 4.0032% | 1,768 |
| Noninterest income to average assets | 0.3621% | 4,767 |
| Noninterest expense to average assets | 3.0286% | 2,894 |
| Loan and lease loss provision to assets | 0.1383% | 2,514 |
| Net operating income to assets | 0.6165% | 4,132 |
| Return on assets (ROA) | 0.6716% | 3,992 |
| Pretax return on assets | 0.8822% | 3,824 |
| Return on Equity (ROE) | 5.8570% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.8570% | 2,755 |
| Net charge-offs to loans | -0.0880% | 6,384 |
| Credit loss provision to net charge-offs | -233.3333% | 5,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1589% | 2,897 |
| Assets per employee ($millions) | 3.9950% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 6,413 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 6,589 |
| Noncurrent loans to loans | 0.0165% | 6,449 |
| Net loans and leases to total assets | 70.1744% | 1,630 |
| Net loans and leases to deposits | 81.6211% | 1,879 |
| Net loans and leases to core deposits | 90.9232% | 1,617 |
| Total domestic deposits to total assets | 85.9758% | 3,535 |
| Equity capital to assets | 11.6996% | 2,255 |
| Core capital (leverage) ratio | 9.4991% | 4,082 |
| Tier 1 risk-based capital ratio | 12.5657% | 5,543 |
| Total risk-based capital ratio | 13.3385% | 5,809 |
| Memoranda: | ||
| Average total assets | $60,754,000 | 5,892 |
| Average earning assets | $54,856,000 | 5,877 |
| Average equity | $6,966,000 | 5,749 |
| Average total loans | $40,893,000 | 5,426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 1,120 |
| Cost of funding earning assets | 0.9372% | 1,722 |
| Net interest margin | 4.2599% | 1,496 |
| Noninterest income to average assets | 0.3404% | 5,025 |
| Noninterest expense to average assets | 3.2381% | 2,494 |
| Loan and lease loss provision to assets | 0.0960% | 4,452 |
| Net operating income to assets | 0.6070% | 4,205 |
| Return on assets (ROA) | 0.6088% | 4,461 |
| Pretax return on assets | 0.7375% | 4,527 |
| Return on Equity (ROE) | 5.1022% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.2735% | 3,925 |
| Net charge-offs to loans | -0.0558% | 6,722 |
| Credit loss provision to net charge-offs | -275.0000% | 6,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5710% | 2,198 |
| Assets per employee ($millions) | 4.1055% | 3,725 |
| Cash dividends to net income (ytd only)* | 35.8423% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 6,463 |
| Loan loss allowance to noncurrent loans | 5,333.3333% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,662 |
| Noncurrent loans to loans | 0.0152% | 6,504 |
| Net loans and leases to total assets | 63.4331% | 2,989 |
| Net loans and leases to deposits | 75.3811% | 2,898 |
| Net loans and leases to core deposits | 83.9364% | 2,562 |
| Total domestic deposits to total assets | 84.1498% | 4,250 |
| Equity capital to assets | 11.2385% | 2,697 |
| Core capital (leverage) ratio | 9.5970% | 3,970 |
| Tier 1 risk-based capital ratio | 12.8301% | 5,232 |
| Total risk-based capital ratio | 13.5668% | 5,545 |
| Memoranda: | ||
| Average total assets | $45,829,600 | 6,332 |
| Average earning assets | $40,118,600 | 6,358 |
| Average equity | $5,468,200 | 6,158 |
| Average total loans | $28,684,800 | 6,009 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,404 |
| Cost of funding earning assets | 0.9768% | 1,698 |
| Net interest margin | 3.8198% | 3,248 |
| Noninterest income to average assets | 0.3756% | 4,820 |
| Noninterest expense to average assets | 3.0650% | 2,997 |
| Loan and lease loss provision to assets | 0.0732% | 4,751 |
| Net operating income to assets | 0.5096% | 4,809 |
| Return on assets (ROA) | 0.5124% | 5,054 |
| Pretax return on assets | 0.5761% | 5,243 |
| Return on Equity (ROE) | 4.2049% | 5,195 |
| Retained earnings to average equity (ytd only) | 1.5931% | 5,539 |
| Net charge-offs to loans | -0.0103% | 6,370 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5901% | 1,745 |
| Assets per employee ($millions) | 4.2978% | 3,273 |
| Cash dividends to net income (ytd only)* | 62.1122% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 6,688 |
| Loan loss allowance to noncurrent loans | 4,750.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,760 |
| Noncurrent loans to loans | 0.0158% | 6,612 |
| Net loans and leases to total assets | 62.7599% | 3,250 |
| Net loans and leases to deposits | 74.8711% | 3,163 |
| Net loans and leases to core deposits | 82.9223% | 2,838 |
| Total domestic deposits to total assets | 83.8239% | 4,310 |
| Equity capital to assets | 11.3946% | 2,852 |
| Core capital (leverage) ratio | 12.8156% | 1,271 |
| Tier 1 risk-based capital ratio | 13.4698% | 4,897 |
| Total risk-based capital ratio | 14.1463% | 5,295 |
| Memoranda: | ||
| Average total assets | $41,891,250 | 6,508 |
| Average earning assets | $36,580,500 | 6,556 |
| Average equity | $5,105,000 | 6,333 |
| Average total loans | $26,010,000 | 6,219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 1,153 |
| Cost of funding earning assets | 1.1489% | 1,034 |
| Net interest margin | 4.0959% | 2,115 |
| Noninterest income to average assets | 0.6704% | 2,828 |
| Noninterest expense to average assets | 3.4750% | 1,842 |
| Loan and lease loss provision to assets | 0.0670% | 4,794 |
| Net operating income to assets | 0.6313% | 4,218 |
| Return on assets (ROA) | 0.6313% | 4,463 |
| Pretax return on assets | 0.6537% | 4,964 |
| Return on Equity (ROE) | 4.9985% | 4,808 |
| Retained earnings to average equity (ytd only) | 0.5751% | 5,833 |
| Net charge-offs to loans | -0.0182% | 6,406 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8229% | 1,772 |
| Assets per employee ($millions) | 4.0613% | 3,744 |
| Cash dividends to net income (ytd only)* | 88.4956% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 5,533 |
| Loan loss allowance to noncurrent loans | 27,400.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,860 |
| Noncurrent loans to loans | 0.0042% | 6,712 |
| Net loans and leases to total assets | 63.9500% | 3,045 |
| Net loans and leases to deposits | 79.5663% | 2,445 |
| Net loans and leases to core deposits | 95.4744% | 1,479 |
| Total domestic deposits to total assets | 80.3732% | 5,643 |
| Equity capital to assets | 12.3933% | 1,886 |
| Core capital (leverage) ratio | 10.2054% | 3,138 |
| Tier 1 risk-based capital ratio | 13.4609% | 4,863 |
| Total risk-based capital ratio | 14.5093% | 4,966 |
| Memoranda: | ||
| Average total assets | $35,798,670 | 6,745 |
| Average earning assets | $30,811,670 | 6,774 |
| Average equity | $4,521,330 | 6,542 |
| Average total loans | $21,997,670 | 6,466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 1,036 |
| Cost of funding earning assets | 1.2455% | 795 |
| Net interest margin | 4.0885% | 2,148 |
| Noninterest income to average assets | 0.5420% | 3,617 |
| Noninterest expense to average assets | 3.1958% | 2,612 |
| Loan and lease loss provision to assets | 0.0678% | 4,563 |
| Net operating income to assets | 0.6437% | 4,149 |
| Return on assets (ROA) | 0.6437% | 4,356 |
| Pretax return on assets | 0.6888% | 4,826 |
| Return on Equity (ROE) | 5.0476% | 4,765 |
| Retained earnings to average equity (ytd only) | 5.0476% | 3,529 |
| Net charge-offs to loans | -0.0378% | 6,435 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8571% | 2,098 |
| Assets per employee ($millions) | 3.8621% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.5856% | 4,457 |
| Net loans and leases to deposits | 66.7853% | 4,264 |
| Net loans and leases to core deposits | 80.3836% | 3,027 |
| Total domestic deposits to total assets | 83.2302% | 4,838 |
| Equity capital to assets | 13.0844% | 1,407 |
| Core capital (leverage) ratio | 9.9748% | 3,389 |
| Tier 1 risk-based capital ratio | 16.6561% | 2,834 |
| Total risk-based capital ratio | 17.9076% | 2,792 |
| Memoranda: | ||
| Average total assets | $35,422,000 | 6,812 |
| Average earning assets | $29,546,500 | 6,863 |
| Average equity | $4,517,000 | 6,577 |
| Average total loans | $21,172,000 | 6,549 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6083% | 938 |
| Cost of funding earning assets | 1.2342% | 1,819 |
| Net interest margin | 4.3740% | 1,468 |
| Noninterest income to average assets | 2.4029% | 281 |
| Noninterest expense to average assets | 3.3762% | 2,300 |
| Loan and lease loss provision to assets | 0.1886% | 4,297 |
| Net operating income to assets | 2.0440% | 283 |
| Return on assets (ROA) | 1.9527% | 363 |
| Pretax return on assets | 2.5245% | 199 |
| Return on Equity (ROE) | 15.1408% | 723 |
| Retained earnings to average equity (ytd only) | 13.3720% | 200 |
| Net charge-offs to loans | 0.1357% | 5,056 |
| Credit loss provision to net charge-offs | 221.4286% | 1,099 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 776 |
| Efficiency ratio | 54.3851% | 6,475 |
| Assets per employee ($millions) | 4.0094% | 3,828 |
| Cash dividends to net income (ytd only)* | 11.6822% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 6,687 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.3389% | 3,531 |
| Net loans and leases to deposits | 78.1837% | 2,809 |
| Net loans and leases to core deposits | 92.8855% | 1,806 |
| Total domestic deposits to total assets | 79.7340% | 5,810 |
| Equity capital to assets | 12.4318% | 1,836 |
| Core capital (leverage) ratio | 9.8093% | 3,586 |
| Tier 1 risk-based capital ratio | 13.7215% | 4,539 |
| Total risk-based capital ratio | 14.7900% | 4,637 |
| Memoranda: | ||
| Average total assets | $32,877,600 | 6,897 |
| Average earning assets | $28,600,600 | 6,909 |
| Average equity | $4,240,200 | 6,682 |
| Average total loans | $20,634,400 | 6,629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5048% | 1,239 |
| Cost of funding earning assets | 1.2449% | 2,025 |
| Net interest margin | 4.2600% | 1,874 |
| Noninterest income to average assets | 3.1217% | 205 |
| Noninterest expense to average assets | 3.3088% | 2,469 |
| Loan and lease loss provision to assets | 0.2328% | 3,685 |
| Net operating income to assets | 2.5092% | 153 |
| Return on assets (ROA) | 2.3859% | 195 |
| Pretax return on assets | 3.1591% | 123 |
| Return on Equity (ROE) | 18.3143% | 430 |
| Retained earnings to average equity (ytd only) | 18.3143% | 107 |
| Net charge-offs to loans | -0.0133% | 6,822 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2132% | 6,951 |
| Assets per employee ($millions) | 3.9080% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.0895% | 2,883 |
| Net loans and leases to deposits | 85.0437% | 1,827 |
| Net loans and leases to core deposits | 100.9379% | 1,166 |
| Total domestic deposits to total assets | 77.7124% | 6,249 |
| Equity capital to assets | 12.7317% | 1,764 |
| Core capital (leverage) ratio | 10.1599% | 3,231 |
| Tier 1 risk-based capital ratio | 13.4000% | 4,806 |
| Total risk-based capital ratio | 14.5411% | 4,858 |
| Memoranda: | ||
| Average total assets | $32,075,750 | 6,982 |
| Average earning assets | $28,168,500 | 6,989 |
| Average equity | $4,178,750 | 6,758 |
| Average total loans | $20,104,250 | 6,718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 1,641 |
| Cost of funding earning assets | 1.2693% | 2,123 |
| Net interest margin | 4.1031% | 2,397 |
| Noninterest income to average assets | 4.5291% | 146 |
| Noninterest expense to average assets | 3.2728% | 2,660 |
| Loan and lease loss provision to assets | 0.0129% | 6,118 |
| Net operating income to assets | 3.5601% | 74 |
| Return on assets (ROA) | 3.3694% | 89 |
| Pretax return on assets | 4.5678% | 76 |
| Return on Equity (ROE) | 25.6435% | 119 |
| Retained earnings to average equity (ytd only) | 25.6435% | 50 |
| Net charge-offs to loans | -0.0211% | 6,835 |
| Credit loss provision to net charge-offs | -100.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3495% | 7,331 |
| Assets per employee ($millions) | 4.1438% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.9382% | 3,690 |
| Net loans and leases to deposits | 75.8774% | 3,502 |
| Net loans and leases to core deposits | 90.3164% | 2,331 |
| Total domestic deposits to total assets | 82.9472% | 4,777 |
| Equity capital to assets | 13.1252% | 1,459 |
| Core capital (leverage) ratio | 10.5121% | 2,699 |
| Tier 1 risk-based capital ratio | 12.9743% | 4,933 |
| Total risk-based capital ratio | 13.8864% | 5,195 |
| Memoranda: | ||
| Average total assets | $31,043,670 | 7,071 |
| Average earning assets | $27,101,330 | 7,083 |
| Average equity | $4,079,000 | 6,827 |
| Average total loans | $18,962,670 | 6,841 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 2,356 |
| Cost of funding earning assets | 1.2924% | 2,227 |
| Net interest margin | 3.8773% | 3,260 |
| Noninterest income to average assets | 8.8028% | 78 |
| Noninterest expense to average assets | 3.1877% | 2,933 |
| Loan and lease loss provision to assets | 0.0133% | 5,744 |
| Net operating income to assets | 6.1433% | 43 |
| Return on assets (ROA) | 5.7752% | 46 |
| Pretax return on assets | 8.3893% | 36 |
| Return on Equity (ROE) | 43.9259% | 40 |
| Retained earnings to average equity (ytd only) | 43.9259% | 32 |
| Net charge-offs to loans | -0.0447% | 6,843 |
| Credit loss provision to net charge-offs | -50.0000% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2926% | 7,509 |
| Assets per employee ($millions) | 3.7515% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.0709% | 4,983 |
| Net loans and leases to deposits | 68.5682% | 4,600 |
| Net loans and leases to core deposits | 79.0529% | 3,872 |
| Total domestic deposits to total assets | 81.7740% | 5,400 |
| Equity capital to assets | 13.9078% | 1,027 |
| Core capital (leverage) ratio | 10.9685% | 2,219 |
| Tier 1 risk-based capital ratio | 14.3045% | 3,867 |
| Total risk-based capital ratio | 15.3408% | 3,987 |
| Memoranda: | ||
| Average total assets | $29,990,500 | 7,149 |
| Average earning assets | $25,688,000 | 7,180 |
| Average equity | $3,943,000 | 6,897 |
| Average total loans | $17,897,000 | 6,946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4746% | 7,583 |
| Cost of funding earning assets | 0.3067% | 7,499 |
| Net interest margin | 1.1679% | 7,572 |
| Noninterest income to average assets | 0.1727% | 6,507 |
| Noninterest expense to average assets | 0.9845% | 7,581 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1944% | 5,282 |
| Return on assets (ROA) | 0.3600% | 4,867 |
| Pretax return on assets | 0.3894% | 4,982 |
| Return on Equity (ROE) | 3.1949% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.1949% | 3,630 |
| Net charge-offs to loans | -0.0115% | 7,322 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4615% | 2,104 |
| Assets per employee ($millions) | 3.7461% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 5,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.7672% | 4,329 |
| Net loans and leases to deposits | 73.5585% | 4,267 |
| Net loans and leases to core deposits | 81.0109% | 4,055 |
| Total domestic deposits to total assets | 83.9701% | 4,372 |
| Equity capital to assets | 12.3861% | 1,702 |
| Core capital (leverage) ratio | 10.0232% | 3,068 |
| Tier 1 risk-based capital ratio | 11.8329% | 5,626 |
| Total risk-based capital ratio | 12.8143% | 5,858 |
| Memoranda: | ||
| Average total assets | $27,221,200 | 7,287 |
| Average earning assets | $23,803,000 | 7,292 |
| Average equity | $3,067,400 | 7,257 |
| Average total loans | $17,366,200 | 7,065 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6684% | 1,819 |
| Cost of funding earning assets | 1.2723% | 4,420 |
| Net interest margin | 4.3961% | 1,538 |
| Noninterest income to average assets | 0.6382% | 3,201 |
| Noninterest expense to average assets | 2.7637% | 4,625 |
| Loan and lease loss provision to assets | -0.0603% | 7,693 |
| Net operating income to assets | 1.4663% | 986 |
| Return on assets (ROA) | 1.5225% | 960 |
| Pretax return on assets | 1.8943% | 781 |
| Return on Equity (ROE) | 13.9007% | 1,055 |
| Retained earnings to average equity (ytd only) | 11.3775% | 543 |
| Net charge-offs to loans | -0.3368% | 7,655 |
| Credit loss provision to net charge-offs | 27.9070% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0433% | 5,785 |
| Assets per employee ($millions) | 4.4312% | 3,023 |
| Cash dividends to net income (ytd only)* | 18.1514% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 2,222 |
| Loan loss allowance to noncurrent loans | 143.2950% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 5,122 |
| Noncurrent loans to loans | 1.3953% | 4,526 |
| Net loans and leases to total assets | 68.9510% | 3,000 |
| Net loans and leases to deposits | 84.0763% | 2,691 |
| Net loans and leases to core deposits | 89.4637% | 3,170 |
| Total domestic deposits to total assets | 82.0100% | 4,984 |
| Equity capital to assets | 11.4831% | 2,547 |
| Core capital (leverage) ratio | 11.6922% | 1,824 |
| Tier 1 risk-based capital ratio | 14.2597% | 3,656 |
| Total risk-based capital ratio | 15.5149% | 3,613 |
| Memoranda: | ||
| Average total assets | $26,534,250 | 7,395 |
| Average earning assets | $23,474,500 | 7,394 |
| Average equity | $2,906,250 | 7,395 |
| Average total loans | $17,023,500 | 7,166 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5651% | 2,270 |
| Cost of funding earning assets | 1.3242% | 4,389 |
| Net interest margin | 4.2409% | 2,014 |
| Noninterest income to average assets | 0.7165% | 2,608 |
| Noninterest expense to average assets | 2.9340% | 3,944 |
| Loan and lease loss provision to assets | -0.0905% | 7,769 |
| Net operating income to assets | 1.4343% | 1,023 |
| Return on assets (ROA) | 1.5236% | 927 |
| Pretax return on assets | 1.6669% | 1,123 |
| Return on Equity (ROE) | 14.1391% | 1,019 |
| Retained earnings to average equity (ytd only) | 12.7392% | 409 |
| Net charge-offs to loans | -0.5102% | 7,734 |
| Credit loss provision to net charge-offs | 28.5714% | 5,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4957% | 4,881 |
| Assets per employee ($millions) | 3.8447% | 4,119 |
| Cash dividends to net income (ytd only)* | 9.9010% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1997% | 1,753 |
| Loan loss allowance to noncurrent loans | 57.7160% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 2,988 |
| Noncurrent loans to loans | 3.8113% | 2,024 |
| Net loans and leases to total assets | 61.7843% | 4,724 |
| Net loans and leases to deposits | 76.5350% | 4,234 |
| Net loans and leases to core deposits | 81.4539% | 4,500 |
| Total domestic deposits to total assets | 80.7268% | 5,500 |
| Equity capital to assets | 10.9947% | 2,863 |
| Core capital (leverage) ratio | 11.4901% | 1,921 |
| Tier 1 risk-based capital ratio | 14.9333% | 3,188 |
| Total risk-based capital ratio | 16.1915% | 3,152 |
| Memoranda: | ||
| Average total assets | $26,516,670 | 7,455 |
| Average earning assets | $23,108,330 | 7,470 |
| Average equity | $2,857,330 | 7,459 |
| Average total loans | $16,462,670 | 7,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5998% | 2,154 |
| Cost of funding earning assets | 1.3391% | 4,569 |
| Net interest margin | 4.2607% | 1,823 |
| Noninterest income to average assets | 0.6231% | 3,128 |
| Noninterest expense to average assets | 2.5077% | 5,696 |
| Loan and lease loss provision to assets | 0.2128% | 4,384 |
| Net operating income to assets | 1.4606% | 961 |
| Return on assets (ROA) | 1.4742% | 1,005 |
| Pretax return on assets | 1.6414% | 1,181 |
| Return on Equity (ROE) | 13.8250% | 1,085 |
| Retained earnings to average equity (ytd only) | 12.3998% | 698 |
| Net charge-offs to loans | 0.0741% | 4,672 |
| Credit loss provision to net charge-offs | 466.6667% | 902 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 682 |
| Efficiency ratio | 57.6923% | 6,533 |
| Assets per employee ($millions) | 3.7217% | 4,521 |
| Cash dividends to net income (ytd only)* | 10.3093% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1859% | 1,783 |
| Loan loss allowance to noncurrent loans | 52.5223% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.5871% | 2,820 |
| Noncurrent loans to loans | 4.1618% | 1,851 |
| Net loans and leases to total assets | 60.8053% | 4,974 |
| Net loans and leases to deposits | 75.5016% | 4,498 |
| Net loans and leases to core deposits | 80.5297% | 4,700 |
| Total domestic deposits to total assets | 80.5351% | 5,608 |
| Equity capital to assets | 10.9589% | 2,802 |
| Core capital (leverage) ratio | 11.3152% | 2,025 |
| Tier 1 risk-based capital ratio | 16.4069% | 2,484 |
| Total risk-based capital ratio | 17.6651% | 2,438 |
| Memoranda: | ||
| Average total assets | $26,318,500 | 7,550 |
| Average earning assets | $23,001,000 | 7,565 |
| Average equity | $2,806,500 | 7,549 |
| Average total loans | $16,193,000 | 7,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 3,529 |
| Cost of funding earning assets | 1.6777% | 4,627 |
| Net interest margin | 3.9372% | 3,135 |
| Noninterest income to average assets | 0.6037% | 3,603 |
| Noninterest expense to average assets | 2.6961% | 5,415 |
| Loan and lease loss provision to assets | 1.7212% | 1,325 |
| Net operating income to assets | 0.1087% | 5,191 |
| Return on assets (ROA) | -0.0112% | 5,551 |
| Pretax return on assets | -0.4987% | 6,010 |
| Return on Equity (ROE) | -0.1105% | 5,552 |
| Retained earnings to average equity (ytd only) | -0.1105% | 4,960 |
| Net charge-offs to loans | 1.7191% | 1,462 |
| Credit loss provision to net charge-offs | 157.1918% | 2,863 |
| Earnings coverage of net charge-offs (x) | 1.2877% | 4,841 |
| Efficiency ratio | 65.6621% | 5,460 |
| Assets per employee ($millions) | 3.7979% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1185% | 1,794 |
| Loan loss allowance to noncurrent loans | 50.7396% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.5428% | 2,751 |
| Noncurrent loans to loans | 4.1752% | 1,750 |
| Net loans and leases to total assets | 59.6126% | 5,395 |
| Net loans and leases to deposits | 75.4523% | 4,825 |
| Net loans and leases to core deposits | 91.6864% | 4,927 |
| Total domestic deposits to total assets | 79.0070% | 5,975 |
| Equity capital to assets | 10.3743% | 3,319 |
| Core capital (leverage) ratio | 10.8204% | 2,332 |
| Tier 1 risk-based capital ratio | 15.7232% | 2,634 |
| Total risk-based capital ratio | 16.9830% | 2,571 |
| Memoranda: | ||
| Average total assets | $26,667,800 | 7,594 |
| Average earning assets | $23,722,600 | 7,594 |
| Average equity | $2,715,200 | 7,671 |
| Average total loans | $16,985,400 | 7,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7289% | 3,195 |
| Cost of funding earning assets | 1.7438% | 4,676 |
| Net interest margin | 3.9851% | 2,877 |
| Noninterest income to average assets | 0.5995% | 3,712 |
| Noninterest expense to average assets | 2.6528% | 5,516 |
| Loan and lease loss provision to assets | 1.3888% | 1,385 |
| Net operating income to assets | 0.0799% | 5,530 |
| Return on assets (ROA) | -0.1499% | 5,999 |
| Pretax return on assets | -0.1099% | 5,854 |
| Return on Equity (ROE) | -1.4790% | 6,016 |
| Retained earnings to average equity (ytd only) | -1.4790% | 5,605 |
| Net charge-offs to loans | 2.3354% | 800 |
| Credit loss provision to net charge-offs | 92.3588% | 5,421 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 5,048 |
| Efficiency ratio | 63.7455% | 5,804 |
| Assets per employee ($millions) | 3.7819% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 6,661 |
| Loan loss allowance to noncurrent loans | 44.3478% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 4,475 |
| Noncurrent loans to loans | 2.0796% | 3,522 |
| Net loans and leases to total assets | 62.0897% | 5,227 |
| Net loans and leases to deposits | 77.6172% | 4,793 |
| Net loans and leases to core deposits | 94.0601% | 5,008 |
| Total domestic deposits to total assets | 79.9947% | 5,435 |
| Equity capital to assets | 10.2973% | 3,739 |
| Core capital (leverage) ratio | 10.7379% | 2,613 |
| Tier 1 risk-based capital ratio | 15.1924% | 2,958 |
| Total risk-based capital ratio | 16.0253% | 3,099 |
| Memoranda: | ||
| Average total assets | $26,688,500 | 7,661 |
| Average earning assets | $23,855,000 | 7,660 |
| Average equity | $2,704,500 | 7,749 |
| Average total loans | $17,184,000 | 7,408 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6504% | 3,812 |
| Cost of funding earning assets | 1.8254% | 4,633 |
| Net interest margin | 3.8250% | 3,440 |
| Noninterest income to average assets | 0.6203% | 3,537 |
| Noninterest expense to average assets | 2.5560% | 5,921 |
| Loan and lease loss provision to assets | 0.1420% | 5,648 |
| Net operating income to assets | 1.1629% | 1,581 |
| Return on assets (ROA) | 1.3154% | 1,267 |
| Pretax return on assets | 1.5471% | 1,333 |
| Return on Equity (ROE) | 13.0499% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.0499% | 329 |
| Net charge-offs to loans | 0.5983% | 2,544 |
| Credit loss provision to net charge-offs | 36.5385% | 5,952 |
| Earnings coverage of net charge-offs (x) | 3.8846% | 3,286 |
| Efficiency ratio | 62.8676% | 6,105 |
| Assets per employee ($millions) | 3.8300% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,917 |
| Loan loss allowance to noncurrent loans | 46.4516% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 4,631 |
| Noncurrent loans to loans | 1.8642% | 3,709 |
| Net loans and leases to total assets | 61.4883% | 5,436 |
| Net loans and leases to deposits | 76.1573% | 5,147 |
| Net loans and leases to core deposits | 89.1033% | 5,621 |
| Total domestic deposits to total assets | 80.7385% | 5,175 |
| Equity capital to assets | 10.4924% | 3,410 |
| Core capital (leverage) ratio | 11.6447% | 2,006 |
| Tier 1 risk-based capital ratio | 15.6854% | 2,736 |
| Total risk-based capital ratio | 16.4390% | 2,878 |
| Memoranda: | ||
| Average total assets | $26,760,330 | 7,729 |
| Average earning assets | $24,104,330 | 7,717 |
| Average equity | $2,697,330 | 7,820 |
| Average total loans | $17,382,000 | 7,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 4,148 |
| Cost of funding earning assets | 1.9380% | 4,446 |
| Net interest margin | 3.6953% | 3,907 |
| Noninterest income to average assets | 0.7032% | 2,870 |
| Noninterest expense to average assets | 2.6182% | 5,376 |
| Loan and lease loss provision to assets | 0.2095% | 4,347 |
| Net operating income to assets | 1.0059% | 2,286 |
| Return on assets (ROA) | 1.2119% | 1,736 |
| Pretax return on assets | 1.4961% | 1,677 |
| Return on Equity (ROE) | 12.2751% | 1,580 |
| Retained earnings to average equity (ytd only) | 12.2751% | 746 |
| Net charge-offs to loans | 1.3064% | 1,078 |
| Credit loss provision to net charge-offs | 24.1379% | 5,024 |
| Earnings coverage of net charge-offs (x) | 1.6724% | 3,891 |
| Efficiency ratio | 64.3382% | 5,623 |
| Assets per employee ($millions) | 3.7509% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 7,276 |
| Loan loss allowance to noncurrent loans | 28.6957% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 3,294 |
| Noncurrent loans to loans | 2.6613% | 2,468 |
| Net loans and leases to total assets | 65.3298% | 4,742 |
| Net loans and leases to deposits | 78.3206% | 4,874 |
| Net loans and leases to core deposits | 93.0257% | 5,257 |
| Total domestic deposits to total assets | 83.4133% | 3,946 |
| Equity capital to assets | 10.0548% | 3,937 |
| Core capital (leverage) ratio | 11.2142% | 2,329 |
| Tier 1 risk-based capital ratio | 15.3294% | 2,926 |
| Total risk-based capital ratio | 16.0266% | 3,099 |
| Memoranda: | ||
| Average total assets | $26,735,500 | 7,771 |
| Average earning assets | $24,355,500 | 7,753 |
| Average equity | $2,639,500 | 7,888 |
| Average total loans | $17,758,500 | 7,494 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5840% | 2,560 |
| Cost of funding earning assets | 2.5261% | 4,067 |
| Net interest margin | 4.0579% | 2,883 |
| Noninterest income to average assets | 0.5974% | 3,858 |
| Noninterest expense to average assets | 2.7592% | 5,008 |
| Loan and lease loss provision to assets | 0.4307% | 3,136 |
| Net operating income to assets | 1.2382% | 1,655 |
| Return on assets (ROA) | 1.1988% | 1,703 |
| Pretax return on assets | 1.2313% | 2,543 |
| Return on Equity (ROE) | 10.7351% | 1,985 |
| Retained earnings to average equity (ytd only) | 2.5473% | 3,617 |
| Net charge-offs to loans | 0.8520% | 1,476 |
| Credit loss provision to net charge-offs | 72.1088% | 6,042 |
| Earnings coverage of net charge-offs (x) | 2.8503% | 4,648 |
| Efficiency ratio | 61.8397% | 5,985 |
| Assets per employee ($millions) | 3.8879% | 3,766 |
| Cash dividends to net income (ytd only)* | 76.2712% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 6,294 |
| Loan loss allowance to noncurrent loans | 288.5246% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 6,677 |
| Noncurrent loans to loans | 0.3346% | 6,379 |
| Net loans and leases to total assets | 66.3458% | 4,784 |
| Net loans and leases to deposits | 80.8924% | 4,890 |
| Net loans and leases to core deposits | 94.6579% | 5,390 |
| Total domestic deposits to total assets | 82.0173% | 4,194 |
| Equity capital to assets | 9.6969% | 4,425 |
| Core capital (leverage) ratio | 11.4810% | 2,264 |
| Tier 1 risk-based capital ratio | 13.8129% | 3,642 |
| Total risk-based capital ratio | 14.6746% | 3,766 |
| Memoranda: | ||
| Average total assets | $24,608,600 | 7,853 |
| Average earning assets | $23,435,600 | 7,806 |
| Average equity | $2,748,000 | 7,914 |
| Average total loans | $17,253,800 | 7,505 |