Home > Kindred State Bank > Performance and Condition Ratios
Kindred State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 4,070 |
| Cost of funding earning assets | 0.5342% | 4,166 |
| Net interest margin | 3.3806% | 2,448 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.7252% | 1,676 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1113% | 1,887 |
| Return on assets (ROA) | 1.1113% | 1,862 |
| Pretax return on assets | 1.1113% | 2,379 |
| Return on Equity (ROE) | 14.4900% | 1,386 |
| Retained earnings to average equity (ytd only) | 10.7230% | 852 |
| Net charge-offs to loans | 0.0593% | 1,263 |
| Credit loss provision to net charge-offs | 181.8182% | 1,300 |
| Earnings coverage of net charge-offs (x) | 43.8182% | 1,384 |
| Efficiency ratio | 70.1548% | 1,855 |
| Assets per employee ($millions) | 7.1170% | 1,996 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 3,929 |
| Loan loss allowance to noncurrent loans | 196.3415% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,266 |
| Noncurrent loans to loans | 0.4154% | 1,744 |
| Net loans and leases to total assets | 45.8500% | 3,816 |
| Net loans and leases to deposits | 49.9057% | 3,953 |
| Net loans and leases to core deposits | 50.2309% | 4,078 |
| Total domestic deposits to total assets | 91.8800% | 323 |
| Equity capital to assets | 8.0184% | 3,403 |
| Core capital (leverage) ratio | 8.3618% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4523% | 1,005 |
| Memoranda: | ||
| Average total assets | $41,574,800 | 4,381 |
| Average earning assets | $39,313,000 | 4,351 |
| Average equity | $3,189,400 | 4,411 |
| Average total loans | $18,559,800 | 4,312 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,064 |
| Cost of funding earning assets | 0.4968% | 4,142 |
| Net interest margin | 3.3515% | 2,568 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4281% | 2,440 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1850% | 1,833 |
| Return on assets (ROA) | 1.1850% | 1,819 |
| Pretax return on assets | 1.1850% | 2,337 |
| Return on Equity (ROE) | 15.6300% | 1,321 |
| Retained earnings to average equity (ytd only) | 10.5190% | 1,259 |
| Net charge-offs to loans | 0.1022% | 773 |
| Credit loss provision to net charge-offs | 221.4286% | 1,056 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 1,616 |
| Efficiency ratio | 65.3913% | 2,345 |
| Assets per employee ($millions) | 6.4627% | 2,350 |
| Cash dividends to net income (ytd only)* | 32.6975% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 3,820 |
| Loan loss allowance to noncurrent loans | 494.1176% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,006 |
| Noncurrent loans to loans | 0.1765% | 2,665 |
| Net loans and leases to total assets | 49.2400% | 3,671 |
| Net loans and leases to deposits | 53.8987% | 3,789 |
| Net loans and leases to core deposits | 53.8987% | 3,935 |
| Total domestic deposits to total assets | 91.3500% | 593 |
| Equity capital to assets | 8.5465% | 2,700 |
| Core capital (leverage) ratio | 8.2111% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8162% | 971 |
| Memoranda: | ||
| Average total assets | $41,293,000 | 4,398 |
| Average earning assets | $39,185,750 | 4,369 |
| Average equity | $3,130,750 | 4,434 |
| Average total loans | $18,264,500 | 4,337 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,071 |
| Cost of funding earning assets | 0.4554% | 4,073 |
| Net interest margin | 3.3026% | 2,744 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.2786% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1583% | 1,953 |
| Return on assets (ROA) | 1.1583% | 1,945 |
| Pretax return on assets | 1.1583% | 2,482 |
| Return on Equity (ROE) | 15.9000% | 1,282 |
| Retained earnings to average equity (ytd only) | 8.0791% | 1,932 |
| Net charge-offs to loans | 0.1561% | 500 |
| Credit loss provision to net charge-offs | 7.1429% | 1,805 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,800 |
| Efficiency ratio | 66.2069% | 2,210 |
| Assets per employee ($millions) | 6.6167% | 2,196 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,109 |
| Loan loss allowance to noncurrent loans | 731.5789% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,300 |
| Noncurrent loans to loans | 0.1022% | 2,978 |
| Net loans and leases to total assets | 46.4600% | 3,770 |
| Net loans and leases to deposits | 50.5579% | 3,897 |
| Net loans and leases to core deposits | 51.1467% | 3,981 |
| Total domestic deposits to total assets | 91.8900% | 437 |
| Equity capital to assets | 8.0378% | 3,183 |
| Core capital (leverage) ratio | 7.5545% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8208% | 986 |
| Memoranda: | ||
| Average total assets | $42,132,000 | 4,415 |
| Average earning assets | $39,969,000 | 4,389 |
| Average equity | $3,069,667 | 4,466 |
| Average total loans | $17,932,667 | 4,364 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 4,189 |
| Cost of funding earning assets | 0.3786% | 4,014 |
| Net interest margin | 3.1936% | 3,130 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.3911% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8401% | 3,051 |
| Return on assets (ROA) | 0.8401% | 3,009 |
| Pretax return on assets | 0.8401% | 3,366 |
| Return on Equity (ROE) | 12.1800% | 2,172 |
| Retained earnings to average equity (ytd only) | -3.8828% | 4,282 |
| Net charge-offs to loans | 0.3180% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,780 |
| Efficiency ratio | 74.0000% | 1,338 |
| Assets per employee ($millions) | 7.7425% | 1,491 |
| Cash dividends to net income (ytd only)* | 131.8681% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,425 |
| Loan loss allowance to noncurrent loans | 395.6522% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,839 |
| Noncurrent loans to loans | 0.2582% | 2,222 |
| Net loans and leases to total assets | 37.9600% | 4,118 |
| Net loans and leases to deposits | 40.5771% | 4,208 |
| Net loans and leases to core deposits | 40.9702% | 4,246 |
| Total domestic deposits to total assets | 93.5500% | 220 |
| Equity capital to assets | 6.4170% | 4,058 |
| Core capital (leverage) ratio | 6.8790% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5537% | 1,250 |
| Memoranda: | ||
| Average total assets | $43,326,500 | 4,474 |
| Average earning assets | $41,207,500 | 4,444 |
| Average equity | $2,987,500 | 4,540 |
| Average total loans | $17,608,000 | 4,429 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7997% | 4,324 |
| Cost of funding earning assets | 0.1911% | 3,830 |
| Net interest margin | 2.6087% | 4,160 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.2840% | 2,793 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.5449% | 4,003 |
| Return on assets (ROA) | 0.5449% | 3,963 |
| Pretax return on assets | 0.5449% | 4,107 |
| Return on Equity (ROE) | 8.4400% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.2724% | 2,937 |
| Net charge-offs to loans | 0.1993% | 413 |
| Credit loss provision to net charge-offs | 285.2941% | 935 |
| Earnings coverage of net charge-offs (x) | 9.9118% | 2,210 |
| Efficiency ratio | 74.9069% | 1,126 |
| Assets per employee ($millions) | 6.6997% | 2,184 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,753 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,400 |
| Noncurrent loans to loans | 0.0920% | 3,102 |
| Net loans and leases to total assets | 42.8000% | 3,941 |
| Net loans and leases to deposits | 46.2498% | 4,046 |
| Net loans and leases to core deposits | 46.2498% | 4,112 |
| Total domestic deposits to total assets | 92.5400% | 512 |
| Equity capital to assets | 7.4481% | 3,407 |
| Core capital (leverage) ratio | 6.8232% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5990% | 883 |
| Memoranda: | ||
| Average total assets | $44,046,000 | 4,494 |
| Average earning assets | $39,254,000 | 4,486 |
| Average equity | $2,845,000 | 4,623 |
| Average total loans | $17,061,600 | 4,455 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5509% | 4,425 |
| Cost of funding earning assets | 0.1622% | 3,712 |
| Net interest margin | 2.3887% | 4,339 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.0796% | 3,269 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.4147% | 4,214 |
| Return on assets (ROA) | 0.4147% | 4,160 |
| Pretax return on assets | 0.4147% | 4,255 |
| Return on Equity (ROE) | 6.6500% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.3743% | 3,944 |
| Net charge-offs to loans | -0.2984% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.1432% | 828 |
| Assets per employee ($millions) | 7.0542% | 1,905 |
| Cash dividends to net income (ytd only)* | 64.2857% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,279 |
| Loan loss allowance to noncurrent loans | 248.2759% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,236 |
| Noncurrent loans to loans | 0.5021% | 1,543 |
| Net loans and leases to total assets | 40.4300% | 4,054 |
| Net loans and leases to deposits | 43.4028% | 4,131 |
| Net loans and leases to core deposits | 43.4028% | 4,186 |
| Total domestic deposits to total assets | 93.1500% | 541 |
| Equity capital to assets | 6.8187% | 3,607 |
| Core capital (leverage) ratio | 6.6952% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1400% | 1,149 |
| Memoranda: | ||
| Average total assets | $45,008,000 | 4,522 |
| Average earning assets | $39,462,000 | 4,519 |
| Average equity | $2,807,750 | 4,665 |
| Average total loans | $16,977,000 | 4,488 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3410% | 4,496 |
| Cost of funding earning assets | 0.1639% | 3,387 |
| Net interest margin | 2.1771% | 4,467 |
| Noninterest income to average assets | 0.2309% | 3,798 |
| Noninterest expense to average assets | 2.0043% | 3,417 |
| Loan and lease loss provision to assets | 0.1961% | 428 |
| Net operating income to assets | -0.1176% | 4,620 |
| Return on assets (ROA) | -0.1176% | 4,590 |
| Pretax return on assets | -0.1176% | 4,578 |
| Return on Equity (ROE) | -1.9413% | 4,615 |
| Retained earnings to average equity (ytd only) | -8.4122% | 4,633 |
| Net charge-offs to loans | -0.1779% | 4,573 |
| Credit loss provision to net charge-offs | -300.0000% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2343% | 244 |
| Assets per employee ($millions) | 7.3567% | 1,694 |
| Cash dividends to net income (ytd only)* | -333.3333% | 4,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,320 |
| Loan loss allowance to noncurrent loans | 221.8391% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 2,350 |
| Noncurrent loans to loans | 0.4782% | 1,683 |
| Net loans and leases to total assets | 40.7793% | 4,040 |
| Net loans and leases to deposits | 43.4772% | 4,132 |
| Net loans and leases to core deposits | 43.7637% | 4,197 |
| Total domestic deposits to total assets | 93.7947% | 323 |
| Equity capital to assets | 6.1803% | 4,143 |
| Core capital (leverage) ratio | 5.9933% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1475% | 1,670 |
| Memoranda: | ||
| Average total assets | $45,902,333 | 4,562 |
| Average earning assets | $39,042,667 | 4,578 |
| Average equity | $2,781,667 | 4,702 |
| Average total loans | $16,860,000 | 4,548 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2304% | 4,513 |
| Cost of funding earning assets | 0.1903% | 2,948 |
| Net interest margin | 2.0401% | 4,486 |
| Noninterest income to average assets | 0.2993% | 3,327 |
| Noninterest expense to average assets | 1.9323% | 3,605 |
| Loan and lease loss provision to assets | 0.2565% | 251 |
| Net operating income to assets | -0.2394% | 4,651 |
| Return on assets (ROA) | -0.2394% | 4,634 |
| Pretax return on assets | -0.2394% | 4,622 |
| Return on Equity (ROE) | -3.9879% | 4,686 |
| Retained earnings to average equity (ytd only) | -16.8061% | 4,665 |
| Net charge-offs to loans | -0.3705% | 4,687 |
| Credit loss provision to net charge-offs | -200.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1228% | 261 |
| Assets per employee ($millions) | 8.4753% | 1,136 |
| Cash dividends to net income (ytd only)* | -321.4286% | 4,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,383 |
| Loan loss allowance to noncurrent loans | 204.5977% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,593 |
| Noncurrent loans to loans | 0.5316% | 1,704 |
| Net loans and leases to total assets | 31.8316% | 4,386 |
| Net loans and leases to deposits | 33.6542% | 4,447 |
| Net loans and leases to core deposits | 33.8449% | 4,484 |
| Total domestic deposits to total assets | 94.5843% | 70 |
| Equity capital to assets | 5.3980% | 4,677 |
| Core capital (leverage) ratio | 5.7187% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1467% | 1,751 |
| Memoranda: | ||
| Average total assets | $46,783,500 | 4,576 |
| Average earning assets | $37,841,500 | 4,613 |
| Average equity | $2,808,500 | 4,727 |
| Average total loans | $16,193,500 | 4,577 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 3,966 |
| Cost of funding earning assets | 0.2530% | 2,888 |
| Net interest margin | 2.6972% | 3,878 |
| Noninterest income to average assets | 0.7061% | 1,746 |
| Noninterest expense to average assets | 2.3576% | 2,629 |
| Loan and lease loss provision to assets | 0.0479% | 2,107 |
| Net operating income to assets | 0.4189% | 4,246 |
| Return on assets (ROA) | 0.4189% | 4,285 |
| Pretax return on assets | 0.4189% | 4,372 |
| Return on Equity (ROE) | 6.1589% | 3,737 |
| Retained earnings to average equity (ytd only) | 0.3519% | 4,403 |
| Net charge-offs to loans | 0.8513% | 79 |
| Credit loss provision to net charge-offs | 14.3885% | 2,288 |
| Earnings coverage of net charge-offs (x) | 1.4029% | 2,619 |
| Efficiency ratio | 83.4746% | 602 |
| Assets per employee ($millions) | 7.1192% | 1,846 |
| Cash dividends to net income (ytd only)* | 94.2857% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 4,213 |
| Loan loss allowance to noncurrent loans | 152.8736% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,550 |
| Noncurrent loans to loans | 0.5430% | 1,767 |
| Net loans and leases to total assets | 37.1977% | 4,238 |
| Net loans and leases to deposits | 39.8900% | 4,343 |
| Net loans and leases to core deposits | 40.1623% | 4,387 |
| Total domestic deposits to total assets | 93.2506% | 33 |
| Equity capital to assets | 6.7236% | 4,758 |
| Core capital (leverage) ratio | 6.8318% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4929% | 1,393 |
| Memoranda: | ||
| Average total assets | $41,779,600 | 4,642 |
| Average earning assets | $32,812,000 | 4,691 |
| Average equity | $2,841,400 | 4,772 |
| Average total loans | $16,328,200 | 4,628 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 3,718 |
| Cost of funding earning assets | 0.2598% | 3,020 |
| Net interest margin | 2.8816% | 3,594 |
| Noninterest income to average assets | 0.5841% | 2,280 |
| Noninterest expense to average assets | 2.1983% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6643% | 3,855 |
| Return on assets (ROA) | 0.6643% | 3,911 |
| Pretax return on assets | 0.6643% | 4,132 |
| Return on Equity (ROE) | 9.7395% | 2,831 |
| Retained earnings to average equity (ytd only) | 1.9761% | 4,190 |
| Net charge-offs to loans | 0.0081% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 542 |
| Efficiency ratio | 76.7937% | 977 |
| Assets per employee ($millions) | 6.6113% | 2,163 |
| Cash dividends to net income (ytd only)* | 79.7101% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,529 |
| Loan loss allowance to noncurrent loans | 124.8756% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,505 |
| Noncurrent loans to loans | 1.2238% | 906 |
| Net loans and leases to total assets | 40.7709% | 4,168 |
| Net loans and leases to deposits | 44.0153% | 4,310 |
| Net loans and leases to core deposits | 44.3412% | 4,366 |
| Total domestic deposits to total assets | 92.6288% | 58 |
| Equity capital to assets | 7.3233% | 4,752 |
| Core capital (leverage) ratio | 7.1538% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1388% | 1,325 |
| Memoranda: | ||
| Average total assets | $41,545,750 | 4,714 |
| Average earning assets | $32,851,250 | 4,762 |
| Average equity | $2,833,750 | 4,845 |
| Average total loans | $16,404,750 | 4,696 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 3,812 |
| Cost of funding earning assets | 0.2596% | 3,191 |
| Net interest margin | 2.8669% | 3,642 |
| Noninterest income to average assets | 0.4600% | 2,800 |
| Noninterest expense to average assets | 2.1768% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5881% | 4,008 |
| Return on assets (ROA) | 0.5881% | 4,062 |
| Pretax return on assets | 0.5881% | 4,254 |
| Return on Equity (ROE) | 8.8256% | 3,160 |
| Retained earnings to average equity (ytd only) | -2.9181% | 4,714 |
| Net charge-offs to loans | 0.0122% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 659 |
| Efficiency ratio | 78.7307% | 867 |
| Assets per employee ($millions) | 7.0090% | 1,804 |
| Cash dividends to net income (ytd only)* | 133.0645% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,707 |
| Loan loss allowance to noncurrent loans | 124.8756% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 1,756 |
| Noncurrent loans to loans | 1.1726% | 1,031 |
| Net loans and leases to total assets | 40.1650% | 4,280 |
| Net loans and leases to deposits | 43.0805% | 4,420 |
| Net loans and leases to core deposits | 43.9424% | 4,457 |
| Total domestic deposits to total assets | 93.2325% | 25 |
| Equity capital to assets | 6.7128% | 4,880 |
| Core capital (leverage) ratio | 6.6411% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3056% | 1,530 |
| Memoranda: | ||
| Average total assets | $42,171,667 | 4,737 |
| Average earning assets | $33,904,667 | 4,779 |
| Average equity | $2,810,000 | 4,879 |
| Average total loans | $16,398,333 | 4,731 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 3,709 |
| Cost of funding earning assets | 0.2691% | 3,286 |
| Net interest margin | 2.9236% | 3,456 |
| Noninterest income to average assets | 0.1989% | 4,194 |
| Noninterest expense to average assets | 2.0838% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3789% | 4,397 |
| Return on assets (ROA) | 0.3789% | 4,424 |
| Pretax return on assets | 0.3789% | 4,518 |
| Return on Equity (ROE) | 5.7072% | 3,945 |
| Retained earnings to average equity (ytd only) | -17.8348% | 4,898 |
| Net charge-offs to loans | -0.0499% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 565 |
| Assets per employee ($millions) | 7.4283% | 1,498 |
| Cash dividends to net income (ytd only)* | 412.5000% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 1,336 |
| Loan loss allowance to noncurrent loans | 126.3682% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 2,039 |
| Noncurrent loans to loans | 1.2544% | 1,039 |
| Net loans and leases to total assets | 35.3803% | 4,535 |
| Net loans and leases to deposits | 37.7141% | 4,635 |
| Net loans and leases to core deposits | 38.4207% | 4,660 |
| Total domestic deposits to total assets | 93.8120% | 12 |
| Equity capital to assets | 6.1476% | 4,930 |
| Core capital (leverage) ratio | 6.7049% | 4,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0712% | 1,547 |
| Memoranda: | ||
| Average total assets | $42,230,500 | 4,757 |
| Average earning assets | $32,699,500 | 4,814 |
| Average equity | $2,803,500 | 4,901 |
| Average total loans | $16,026,500 | 4,760 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 3,111 |
| Cost of funding earning assets | 0.3711% | 3,759 |
| Net interest margin | 3.4993% | 2,481 |
| Noninterest income to average assets | 0.8549% | 1,382 |
| Noninterest expense to average assets | 2.9190% | 1,634 |
| Loan and lease loss provision to assets | 0.1430% | 2,573 |
| Net operating income to assets | 0.7983% | 3,099 |
| Return on assets (ROA) | 0.7983% | 3,220 |
| Pretax return on assets | 0.7983% | 3,632 |
| Return on Equity (ROE) | 9.6611% | 2,139 |
| Retained earnings to average equity (ytd only) | 3.7130% | 2,973 |
| Net charge-offs to loans | 0.2508% | 692 |
| Credit loss provision to net charge-offs | 111.6279% | 2,712 |
| Earnings coverage of net charge-offs (x) | 7.3488% | 2,703 |
| Efficiency ratio | 75.6173% | 1,277 |
| Assets per employee ($millions) | 6.6485% | 1,819 |
| Cash dividends to net income (ytd only)* | 61.5672% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,370 |
| Loan loss allowance to noncurrent loans | 125.3731% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,055 |
| Noncurrent loans to loans | 1.2539% | 1,094 |
| Net loans and leases to total assets | 39.5528% | 4,457 |
| Net loans and leases to deposits | 42.6363% | 4,572 |
| Net loans and leases to core deposits | 42.9439% | 4,632 |
| Total domestic deposits to total assets | 92.7678% | 20 |
| Equity capital to assets | 7.1871% | 4,889 |
| Core capital (leverage) ratio | 7.8631% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0463% | 1,512 |
| Memoranda: | ||
| Average total assets | $33,572,600 | 4,845 |
| Average earning assets | $28,834,200 | 4,854 |
| Average equity | $2,774,000 | 4,920 |
| Average total loans | $17,148,000 | 4,769 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 2,623 |
| Cost of funding earning assets | 0.3921% | 3,847 |
| Net interest margin | 3.7276% | 1,850 |
| Noninterest income to average assets | 0.6751% | 1,879 |
| Noninterest expense to average assets | 2.8839% | 1,743 |
| Loan and lease loss provision to assets | 0.1594% | 2,404 |
| Net operating income to assets | 0.9210% | 2,620 |
| Return on assets (ROA) | 0.9210% | 2,753 |
| Pretax return on assets | 0.9210% | 3,321 |
| Return on Equity (ROE) | 10.7120% | 1,780 |
| Retained earnings to average equity (ytd only) | 2.7143% | 3,645 |
| Net charge-offs to loans | 0.0612% | 1,725 |
| Credit loss provision to net charge-offs | 475.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 32.3750% | 1,520 |
| Efficiency ratio | 72.7655% | 1,550 |
| Assets per employee ($millions) | 5.3797% | 2,814 |
| Cash dividends to net income (ytd only)* | 74.6606% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,316 |
| Loan loss allowance to noncurrent loans | 117.3729% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 1,601 |
| Noncurrent loans to loans | 1.3000% | 1,136 |
| Net loans and leases to total assets | 55.3845% | 3,674 |
| Net loans and leases to deposits | 60.7462% | 4,009 |
| Net loans and leases to core deposits | 61.2982% | 4,142 |
| Total domestic deposits to total assets | 91.1736% | 139 |
| Equity capital to assets | 8.7366% | 4,302 |
| Core capital (leverage) ratio | 8.9724% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0521% | 1,237 |
| Memoranda: | ||
| Average total assets | $31,993,000 | 4,884 |
| Average earning assets | $28,221,000 | 4,888 |
| Average equity | $2,750,750 | 4,950 |
| Average total loans | $17,427,500 | 4,794 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,799 |
| Cost of funding earning assets | 0.3934% | 4,061 |
| Net interest margin | 3.7958% | 1,848 |
| Noninterest income to average assets | 0.4138% | 2,998 |
| Noninterest expense to average assets | 2.7525% | 2,204 |
| Loan and lease loss provision to assets | 0.0502% | 3,675 |
| Net operating income to assets | 1.0596% | 2,105 |
| Return on assets (ROA) | 1.0596% | 2,239 |
| Pretax return on assets | 1.0596% | 2,837 |
| Return on Equity (ROE) | 12.3915% | 1,242 |
| Retained earnings to average equity (ytd only) | 0.2933% | 4,247 |
| Net charge-offs to loans | 0.0931% | 1,327 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,639 |
| Efficiency ratio | 71.2662% | 1,789 |
| Assets per employee ($millions) | 5.2393% | 2,899 |
| Cash dividends to net income (ytd only)* | 97.6331% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,801 |
| Loan loss allowance to noncurrent loans | 103.3473% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 1,631 |
| Noncurrent loans to loans | 1.3018% | 1,191 |
| Net loans and leases to total assets | 57.6155% | 3,546 |
| Net loans and leases to deposits | 63.2491% | 3,940 |
| Net loans and leases to core deposits | 63.8331% | 4,084 |
| Total domestic deposits to total assets | 91.0930% | 132 |
| Equity capital to assets | 8.8052% | 4,259 |
| Core capital (leverage) ratio | 8.5476% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1164% | 1,225 |
| Memoranda: | ||
| Average total assets | $31,898,000 | 4,912 |
| Average earning assets | $28,979,333 | 4,907 |
| Average equity | $2,727,667 | 4,984 |
| Average total loans | $17,185,333 | 4,825 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 4,193 |
| Cost of funding earning assets | 0.4048% | 4,345 |
| Net interest margin | 3.4138% | 3,257 |
| Noninterest income to average assets | 0.2863% | 3,811 |
| Noninterest expense to average assets | 2.6394% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7968% | 2,920 |
| Return on assets (ROA) | 0.7968% | 3,009 |
| Pretax return on assets | 0.7968% | 3,423 |
| Return on Equity (ROE) | 9.4552% | 1,933 |
| Retained earnings to average equity (ytd only) | -14.9215% | 4,892 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8116% | 1,472 |
| Assets per employee ($millions) | 5.5272% | 2,091 |
| Cash dividends to net income (ytd only)* | 257.8125% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,451 |
| Loan loss allowance to noncurrent loans | 244.5545% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 3,229 |
| Noncurrent loans to loans | 0.6007% | 2,492 |
| Net loans and leases to total assets | 49.9533% | 4,243 |
| Net loans and leases to deposits | 54.3344% | 4,428 |
| Net loans and leases to core deposits | 54.8053% | 4,540 |
| Total domestic deposits to total assets | 91.9368% | 43 |
| Equity capital to assets | 7.9758% | 4,974 |
| Core capital (leverage) ratio | 8.5247% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4156% | 1,499 |
| Memoranda: | ||
| Average total assets | $32,129,000 | 4,952 |
| Average earning assets | $29,644,500 | 4,939 |
| Average equity | $2,707,500 | 5,032 |
| Average total loans | $16,598,500 | 4,873 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 4,275 |
| Cost of funding earning assets | 0.3626% | 4,564 |
| Net interest margin | 3.6299% | 3,037 |
| Noninterest income to average assets | 0.8756% | 1,235 |
| Noninterest expense to average assets | 3.0515% | 1,874 |
| Loan and lease loss provision to assets | 0.0940% | 2,153 |
| Net operating income to assets | 1.0734% | 2,559 |
| Return on assets (ROA) | 1.0734% | 2,653 |
| Pretax return on assets | 1.0734% | 3,252 |
| Return on Equity (ROE) | 12.7063% | 1,273 |
| Retained earnings to average equity (ytd only) | 10.7869% | 365 |
| Net charge-offs to loans | 0.0494% | 2,410 |
| Credit loss provision to net charge-offs | 362.5000% | 774 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,212 |
| Efficiency ratio | 72.3290% | 1,823 |
| Assets per employee ($millions) | 5.1825% | 2,354 |
| Cash dividends to net income (ytd only)* | 15.1057% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,206 |
| Loan loss allowance to noncurrent loans | 536.9565% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 3,891 |
| Noncurrent loans to loans | 0.2808% | 3,437 |
| Net loans and leases to total assets | 51.8958% | 4,234 |
| Net loans and leases to deposits | 57.0131% | 4,415 |
| Net loans and leases to core deposits | 57.5397% | 4,538 |
| Total domestic deposits to total assets | 91.0243% | 122 |
| Equity capital to assets | 8.9082% | 4,728 |
| Core capital (leverage) ratio | 8.8404% | 4,647 |
| Tier 1 risk-based capital ratio | 15.9637% | 2,422 |
| Total risk-based capital ratio | 17.2134% | 2,369 |
| Memoranda: | ||
| Average total assets | $30,836,800 | 5,020 |
| Average earning assets | $28,403,200 | 5,004 |
| Average equity | $2,605,000 | 5,095 |
| Average total loans | $16,206,200 | 4,942 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 4,443 |
| Cost of funding earning assets | 0.3365% | 4,704 |
| Net interest margin | 3.6218% | 3,190 |
| Noninterest income to average assets | 0.7019% | 1,774 |
| Noninterest expense to average assets | 2.8337% | 2,459 |
| Loan and lease loss provision to assets | 0.0867% | 2,184 |
| Net operating income to assets | 1.1395% | 2,415 |
| Return on assets (ROA) | 1.1395% | 2,500 |
| Pretax return on assets | 1.1395% | 3,170 |
| Return on Equity (ROE) | 13.6776% | 1,057 |
| Retained earnings to average equity (ytd only) | 11.0771% | 510 |
| Net charge-offs to loans | -0.0165% | 4,534 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7972% | 2,147 |
| Assets per employee ($millions) | 4.7395% | 2,863 |
| Cash dividends to net income (ytd only)* | 19.0127% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,381 |
| Loan loss allowance to noncurrent loans | 527.6596% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 3,916 |
| Noncurrent loans to loans | 0.2758% | 3,548 |
| Net loans and leases to total assets | 59.0639% | 3,763 |
| Net loans and leases to deposits | 65.3312% | 4,106 |
| Net loans and leases to core deposits | 65.9961% | 4,276 |
| Total domestic deposits to total assets | 90.4069% | 192 |
| Equity capital to assets | 9.4912% | 4,464 |
| Core capital (leverage) ratio | 9.1799% | 4,496 |
| Tier 1 risk-based capital ratio | 15.5855% | 2,607 |
| Total risk-based capital ratio | 16.8366% | 2,546 |
| Memoranda: | ||
| Average total assets | $30,772,250 | 5,093 |
| Average earning assets | $28,530,500 | 5,078 |
| Average equity | $2,563,750 | 5,174 |
| Average total loans | $16,161,750 | 5,019 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 4,641 |
| Cost of funding earning assets | 0.3018% | 4,823 |
| Net interest margin | 3.5466% | 3,445 |
| Noninterest income to average assets | 0.3867% | 3,357 |
| Noninterest expense to average assets | 2.6370% | 3,092 |
| Loan and lease loss provision to assets | 0.1268% | 1,470 |
| Net operating income to assets | 0.9001% | 3,281 |
| Return on assets (ROA) | 0.9001% | 3,351 |
| Pretax return on assets | 0.9001% | 3,842 |
| Return on Equity (ROE) | 11.2758% | 1,880 |
| Retained earnings to average equity (ytd only) | 7.3054% | 1,685 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9723% | 1,925 |
| Assets per employee ($millions) | 4.9500% | 2,537 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,192 |
| Loan loss allowance to noncurrent loans | 482.3529% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,904 |
| Noncurrent loans to loans | 0.3164% | 3,405 |
| Net loans and leases to total assets | 53.4444% | 4,250 |
| Net loans and leases to deposits | 58.5871% | 4,491 |
| Net loans and leases to core deposits | 59.1504% | 4,606 |
| Total domestic deposits to total assets | 91.2222% | 81 |
| Equity capital to assets | 8.6936% | 4,959 |
| Core capital (leverage) ratio | 8.3626% | 5,032 |
| Tier 1 risk-based capital ratio | 15.8196% | 2,492 |
| Total risk-based capital ratio | 17.0748% | 2,423 |
| Memoranda: | ||
| Average total assets | $31,550,670 | 5,127 |
| Average earning assets | $29,154,670 | 5,116 |
| Average equity | $2,518,670 | 5,217 |
| Average total loans | $15,867,670 | 5,069 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 4,879 |
| Cost of funding earning assets | 0.2540% | 4,972 |
| Net interest margin | 3.4221% | 3,831 |
| Noninterest income to average assets | 0.2217% | 4,416 |
| Noninterest expense to average assets | 2.5126% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8622% | 3,393 |
| Return on assets (ROA) | 0.8622% | 3,443 |
| Pretax return on assets | 0.8622% | 3,890 |
| Return on Equity (ROE) | 11.2585% | 1,839 |
| Retained earnings to average equity (ytd only) | 3.2167% | 3,642 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4526% | 1,687 |
| Assets per employee ($millions) | 6.7148% | 1,129 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,510 |
| Loan loss allowance to noncurrent loans | 342.4242% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 3,827 |
| Noncurrent loans to loans | 0.4235% | 3,072 |
| Net loans and leases to total assets | 45.7497% | 4,678 |
| Net loans and leases to deposits | 49.4638% | 4,834 |
| Net loans and leases to core deposits | 49.8782% | 4,896 |
| Total domestic deposits to total assets | 92.4912% | 38 |
| Equity capital to assets | 7.4522% | 5,275 |
| Core capital (leverage) ratio | 7.9605% | 5,214 |
| Tier 1 risk-based capital ratio | 14.9366% | 2,905 |
| Total risk-based capital ratio | 16.1863% | 2,832 |
| Memoranda: | ||
| Average total assets | $32,476,000 | 5,172 |
| Average earning assets | $29,923,000 | 5,156 |
| Average equity | $2,487,000 | 5,273 |
| Average total loans | $15,742,000 | 5,134 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 4,636 |
| Cost of funding earning assets | 0.1959% | 5,022 |
| Net interest margin | 3.5261% | 3,616 |
| Noninterest income to average assets | 0.8578% | 1,294 |
| Noninterest expense to average assets | 3.0955% | 1,810 |
| Loan and lease loss provision to assets | 0.6550% | 163 |
| Net operating income to assets | 0.3391% | 4,961 |
| Return on assets (ROA) | 0.4389% | 4,784 |
| Pretax return on assets | 0.4389% | 4,892 |
| Return on Equity (ROE) | 5.5018% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.5018% | 2,482 |
| Net charge-offs to loans | 0.6750% | 247 |
| Credit loss provision to net charge-offs | 182.4074% | 1,553 |
| Earnings coverage of net charge-offs (x) | 2.7685% | 3,490 |
| Efficiency ratio | 75.6911% | 1,409 |
| Assets per employee ($millions) | 5.2297% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,555 |
| Loan loss allowance to noncurrent loans | 426.4151% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,975 |
| Noncurrent loans to loans | 0.3334% | 3,359 |
| Net loans and leases to total assets | 49.9458% | 4,525 |
| Net loans and leases to deposits | 54.2359% | 4,741 |
| Net loans and leases to core deposits | 54.7226% | 4,825 |
| Total domestic deposits to total assets | 92.0900% | 63 |
| Equity capital to assets | 7.8781% | 5,201 |
| Core capital (leverage) ratio | 8.3773% | 5,078 |
| Tier 1 risk-based capital ratio | 14.9946% | 2,833 |
| Total risk-based capital ratio | 16.2471% | 2,761 |
| Memoranda: | ||
| Average total assets | $30,075,800 | 5,240 |
| Average earning assets | $27,565,600 | 5,230 |
| Average equity | $2,399,200 | 5,328 |
| Average total loans | $16,001,000 | 5,170 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 4,716 |
| Cost of funding earning assets | 0.1789% | 5,097 |
| Net interest margin | 3.4775% | 3,771 |
| Noninterest income to average assets | 0.6498% | 2,072 |
| Noninterest expense to average assets | 2.8817% | 2,364 |
| Loan and lease loss provision to assets | 0.4034% | 315 |
| Net operating income to assets | 0.5871% | 4,537 |
| Return on assets (ROA) | 0.5871% | 4,546 |
| Pretax return on assets | 0.5871% | 4,755 |
| Return on Equity (ROE) | 7.3356% | 3,807 |
| Retained earnings to average equity (ytd only) | 7.3356% | 1,953 |
| Net charge-offs to loans | 0.0083% | 3,117 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 221.5489% | 410 |
| Efficiency ratio | 74.4213% | 1,528 |
| Assets per employee ($millions) | 4.5750% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,926 |
| Loan loss allowance to noncurrent loans | 138.6503% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 2,402 |
| Noncurrent loans to loans | 0.9644% | 1,762 |
| Net loans and leases to total assets | 60.7468% | 3,770 |
| Net loans and leases to deposits | 68.9990% | 3,989 |
| Net loans and leases to core deposits | 69.7407% | 4,209 |
| Total domestic deposits to total assets | 88.0401% | 1,225 |
| Equity capital to assets | 9.0237% | 4,525 |
| Core capital (leverage) ratio | 8.7912% | 4,891 |
| Tier 1 risk-based capital ratio | 14.7925% | 2,975 |
| Total risk-based capital ratio | 16.0466% | 2,892 |
| Memoranda: | ||
| Average total assets | $29,750,250 | 5,310 |
| Average earning assets | $27,566,750 | 5,298 |
| Average equity | $2,381,000 | 5,396 |
| Average total loans | $16,026,750 | 5,234 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,796 |
| Cost of funding earning assets | 0.1786% | 5,114 |
| Net interest margin | 3.4013% | 3,949 |
| Noninterest income to average assets | 0.4457% | 3,183 |
| Noninterest expense to average assets | 2.7526% | 2,839 |
| Loan and lease loss provision to assets | 0.5898% | 176 |
| Net operating income to assets | 0.2228% | 5,210 |
| Return on assets (ROA) | 0.2228% | 5,205 |
| Pretax return on assets | 0.2228% | 5,222 |
| Return on Equity (ROE) | 2.8948% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.8948% | 4,093 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2059% | 1,285 |
| Assets per employee ($millions) | 4.6363% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,782 |
| Loan loss allowance to noncurrent loans | 67.7612% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 1,190 |
| Noncurrent loans to loans | 2.0524% | 718 |
| Net loans and leases to total assets | 57.8582% | 4,003 |
| Net loans and leases to deposits | 63.3038% | 4,330 |
| Net loans and leases to core deposits | 63.9503% | 4,490 |
| Total domestic deposits to total assets | 91.3977% | 173 |
| Equity capital to assets | 8.5628% | 4,897 |
| Core capital (leverage) ratio | 8.0408% | 5,332 |
| Tier 1 risk-based capital ratio | 14.7515% | 2,994 |
| Total risk-based capital ratio | 16.0035% | 2,921 |
| Memoranda: | ||
| Average total assets | $30,517,000 | 5,365 |
| Average earning assets | $27,989,670 | 5,356 |
| Average equity | $2,349,000 | 5,461 |
| Average total loans | $15,735,330 | 5,300 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 5,005 |
| Cost of funding earning assets | 0.1802% | 5,114 |
| Net interest margin | 3.2301% | 4,370 |
| Noninterest income to average assets | 0.2259% | 4,666 |
| Noninterest expense to average assets | 2.5858% | 3,377 |
| Loan and lease loss provision to assets | 1.1297% | 72 |
| Net operating income to assets | -0.5649% | 5,506 |
| Return on assets (ROA) | -0.5649% | 5,504 |
| Pretax return on assets | -0.5649% | 5,502 |
| Return on Equity (ROE) | -7.7170% | 5,521 |
| Retained earnings to average equity (ytd only) | -7.7170% | 5,299 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0717% | 940 |
| Assets per employee ($millions) | 5.5240% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,608 |
| Loan loss allowance to noncurrent loans | 65.2299% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 1,491 |
| Noncurrent loans to loans | 2.2404% | 662 |
| Net loans and leases to total assets | 46.1803% | 4,786 |
| Net loans and leases to deposits | 49.6529% | 4,974 |
| Net loans and leases to core deposits | 50.0703% | 5,042 |
| Total domestic deposits to total assets | 93.0063% | 41 |
| Equity capital to assets | 6.9636% | 5,516 |
| Core capital (leverage) ratio | 7.3750% | 5,522 |
| Tier 1 risk-based capital ratio | 13.7718% | 3,510 |
| Total risk-based capital ratio | 15.0227% | 3,411 |
| Memoranda: | ||
| Average total assets | $31,866,500 | 5,408 |
| Average earning assets | $28,853,500 | 5,399 |
| Average equity | $2,332,500 | 5,519 |
| Average total loans | $15,442,000 | 5,368 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5593% | 4,668 |
| Cost of funding earning assets | 0.1798% | 5,093 |
| Net interest margin | 3.3795% | 3,911 |
| Noninterest income to average assets | 1.0229% | 973 |
| Noninterest expense to average assets | 3.2566% | 1,477 |
| Loan and lease loss provision to assets | 0.9324% | 109 |
| Net operating income to assets | -0.1409% | 5,432 |
| Return on assets (ROA) | -0.1442% | 5,436 |
| Pretax return on assets | -0.1442% | 5,483 |
| Return on Equity (ROE) | -1.8023% | 5,459 |
| Retained earnings to average equity (ytd only) | -5.5747% | 5,453 |
| Net charge-offs to loans | 1.7333% | 86 |
| Credit loss provision to net charge-offs | 101.4599% | 2,528 |
| Earnings coverage of net charge-offs (x) | 0.8613% | 3,954 |
| Efficiency ratio | 80.4474% | 1,063 |
| Assets per employee ($millions) | 6.1178% | 1,438 |
| Cash dividends to net income (ytd only)* | -209.3023% | 5,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,509 |
| Loan loss allowance to noncurrent loans | 36.4362% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 1,189 |
| Noncurrent loans to loans | 2.4494% | 554 |
| Net loans and leases to total assets | 49.7368% | 4,661 |
| Net loans and leases to deposits | 53.9007% | 4,904 |
| Net loans and leases to core deposits | 54.3940% | 4,989 |
| Total domestic deposits to total assets | 92.2750% | 63 |
| Equity capital to assets | 7.7054% | 5,483 |
| Core capital (leverage) ratio | 8.0008% | 5,440 |
| Tier 1 risk-based capital ratio | 14.0986% | 3,306 |
| Total risk-based capital ratio | 14.9219% | 3,446 |
| Memoranda: | ||
| Average total assets | $29,816,800 | 5,493 |
| Average earning assets | $26,690,400 | 5,492 |
| Average equity | $2,385,800 | 5,579 |
| Average total loans | $15,808,400 | 5,425 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,437 |
| Cost of funding earning assets | 0.1852% | 5,096 |
| Net interest margin | 3.4688% | 3,604 |
| Noninterest income to average assets | 0.6481% | 2,219 |
| Noninterest expense to average assets | 3.0785% | 1,859 |
| Loan and lease loss provision to assets | 1.1162% | 91 |
| Net operating income to assets | -0.4276% | 5,623 |
| Return on assets (ROA) | -0.4321% | 5,623 |
| Pretax return on assets | -0.4321% | 5,617 |
| Return on Equity (ROE) | -5.3489% | 5,637 |
| Retained earnings to average equity (ytd only) | -10.3631% | 5,611 |
| Net charge-offs to loans | 2.0432% | 69 |
| Credit loss provision to net charge-offs | 101.6393% | 2,247 |
| Earnings coverage of net charge-offs (x) | 0.6270% | 3,648 |
| Efficiency ratio | 81.7204% | 939 |
| Assets per employee ($millions) | 4.4520% | 3,237 |
| Cash dividends to net income (ytd only)* | -93.7500% | 5,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 4,746 |
| Loan loss allowance to noncurrent loans | 49.1039% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,615 |
| Noncurrent loans to loans | 1.7381% | 1,034 |
| Net loans and leases to total assets | 59.5800% | 3,914 |
| Net loans and leases to deposits | 65.2334% | 4,302 |
| Net loans and leases to core deposits | 65.9225% | 4,485 |
| Total domestic deposits to total assets | 91.3335% | 124 |
| Equity capital to assets | 8.6515% | 5,187 |
| Core capital (leverage) ratio | 8.4008% | 5,316 |
| Tier 1 risk-based capital ratio | 14.0356% | 3,427 |
| Total risk-based capital ratio | 14.8742% | 3,553 |
| Memoranda: | ||
| Average total assets | $29,623,750 | 5,557 |
| Average earning assets | $26,637,250 | 5,551 |
| Average equity | $2,393,000 | 5,644 |
| Average total loans | $15,922,750 | 5,484 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 4,743 |
| Cost of funding earning assets | 0.1820% | 5,124 |
| Net interest margin | 3.3265% | 4,028 |
| Noninterest income to average assets | 0.4498% | 3,353 |
| Noninterest expense to average assets | 2.8882% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5411% | 4,566 |
| Return on assets (ROA) | 0.5411% | 4,603 |
| Pretax return on assets | 0.5411% | 4,928 |
| Return on Equity (ROE) | 6.6320% | 3,765 |
| Retained earnings to average equity (ytd only) | -0.5593% | 5,165 |
| Net charge-offs to loans | -0.0251% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2205% | 828 |
| Assets per employee ($millions) | 4.6677% | 2,832 |
| Cash dividends to net income (ytd only)* | 108.4337% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,942 |
| Loan loss allowance to noncurrent loans | 57.4468% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 2,112 |
| Noncurrent loans to loans | 1.4006% | 1,369 |
| Net loans and leases to total assets | 59.4266% | 3,892 |
| Net loans and leases to deposits | 65.2462% | 4,280 |
| Net loans and leases to core deposits | 65.9050% | 4,473 |
| Total domestic deposits to total assets | 91.0805% | 202 |
| Equity capital to assets | 8.8981% | 4,990 |
| Core capital (leverage) ratio | 8.2494% | 5,393 |
| Tier 1 risk-based capital ratio | 14.6618% | 3,080 |
| Total risk-based capital ratio | 15.4621% | 3,224 |
| Memoranda: | ||
| Average total assets | $30,677,000 | 5,584 |
| Average earning assets | $27,476,330 | 5,584 |
| Average equity | $2,503,000 | 5,680 |
| Average total loans | $15,962,330 | 5,529 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 4,970 |
| Cost of funding earning assets | 0.1720% | 5,220 |
| Net interest margin | 3.2101% | 4,310 |
| Noninterest income to average assets | 0.2749% | 4,578 |
| Noninterest expense to average assets | 2.6865% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3873% | 4,979 |
| Return on assets (ROA) | 0.3873% | 5,007 |
| Pretax return on assets | 0.3873% | 5,182 |
| Return on Equity (ROE) | 4.9432% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.9432% | 2,924 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3984% | 704 |
| Assets per employee ($millions) | 5.4510% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,988 |
| Loan loss allowance to noncurrent loans | 665.0000% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 5,037 |
| Noncurrent loans to loans | 0.1249% | 4,687 |
| Net loans and leases to total assets | 48.5568% | 4,784 |
| Net loans and leases to deposits | 52.6331% | 5,003 |
| Net loans and leases to core deposits | 53.0818% | 5,101 |
| Total domestic deposits to total assets | 92.2552% | 81 |
| Equity capital to assets | 7.7295% | 5,624 |
| Core capital (leverage) ratio | 7.9576% | 5,578 |
| Tier 1 risk-based capital ratio | 15.1598% | 2,894 |
| Total risk-based capital ratio | 15.9630% | 3,034 |
| Memoranda: | ||
| Average total assets | $32,012,500 | 5,641 |
| Average earning assets | $27,911,500 | 5,641 |
| Average equity | $2,508,500 | 5,741 |
| Average total loans | $15,554,500 | 5,600 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,539 |
| Cost of funding earning assets | 0.1834% | 5,177 |
| Net interest margin | 3.4052% | 3,807 |
| Noninterest income to average assets | 0.9300% | 1,323 |
| Noninterest expense to average assets | 3.2842% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7035% | 3,765 |
| Return on assets (ROA) | 0.7069% | 3,863 |
| Pretax return on assets | 0.7069% | 4,463 |
| Return on Equity (ROE) | 8.6620% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.6620% | 655 |
| Net charge-offs to loans | -0.0457% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3580% | 1,166 |
| Assets per employee ($millions) | 5.2198% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,855 |
| Loan loss allowance to noncurrent loans | 831.2500% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,137 |
| Noncurrent loans to loans | 0.1060% | 4,811 |
| Net loans and leases to total assets | 47.7729% | 4,914 |
| Net loans and leases to deposits | 51.9081% | 5,130 |
| Net loans and leases to core deposits | 52.3715% | 5,211 |
| Total domestic deposits to total assets | 92.0336% | 96 |
| Equity capital to assets | 7.9473% | 5,587 |
| Core capital (leverage) ratio | 8.5169% | 5,242 |
| Tier 1 risk-based capital ratio | 15.6285% | 2,695 |
| Total risk-based capital ratio | 16.4670% | 2,811 |
| Memoranda: | ||
| Average total assets | $29,139,600 | 5,723 |
| Average earning assets | $26,166,000 | 5,720 |
| Average equity | $2,378,200 | 5,813 |
| Average total loans | $15,309,400 | 5,658 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,415 |
| Cost of funding earning assets | 0.1885% | 5,190 |
| Net interest margin | 3.4588% | 3,631 |
| Noninterest income to average assets | 0.5875% | 2,724 |
| Noninterest expense to average assets | 3.0448% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7087% | 3,797 |
| Return on assets (ROA) | 0.7134% | 3,915 |
| Pretax return on assets | 0.7134% | 4,574 |
| Return on Equity (ROE) | 8.6786% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.6786% | 917 |
| Net charge-offs to loans | -0.0434% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1180% | 1,285 |
| Assets per employee ($millions) | 4.2585% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 5,021 |
| Loan loss allowance to noncurrent loans | 770.5882% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 5,175 |
| Noncurrent loans to loans | 0.1109% | 4,896 |
| Net loans and leases to total assets | 59.4889% | 3,940 |
| Net loans and leases to deposits | 66.6696% | 4,283 |
| Net loans and leases to core deposits | 67.4207% | 4,514 |
| Total domestic deposits to total assets | 89.2294% | 786 |
| Equity capital to assets | 9.5769% | 4,583 |
| Core capital (leverage) ratio | 9.2103% | 4,571 |
| Tier 1 risk-based capital ratio | 15.6268% | 2,776 |
| Total risk-based capital ratio | 16.4703% | 2,882 |
| Memoranda: | ||
| Average total assets | $28,594,750 | 5,793 |
| Average earning assets | $26,174,000 | 5,782 |
| Average equity | $2,350,500 | 5,877 |
| Average total loans | $15,363,000 | 5,712 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 4,945 |
| Cost of funding earning assets | 0.1694% | 5,416 |
| Net interest margin | 3.2993% | 4,234 |
| Noninterest income to average assets | 0.2094% | 5,243 |
| Noninterest expense to average assets | 2.7221% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5134% | 4,623 |
| Return on assets (ROA) | 0.4661% | 4,905 |
| Pretax return on assets | 0.4661% | 5,210 |
| Return on Equity (ROE) | 5.9526% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.9526% | 2,140 |
| Net charge-offs to loans | -0.0130% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1336% | 1,040 |
| Assets per employee ($millions) | 4.5248% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 5,227 |
| Loan loss allowance to noncurrent loans | 635.0000% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,243 |
| Noncurrent loans to loans | 0.1289% | 4,922 |
| Net loans and leases to total assets | 56.6614% | 4,237 |
| Net loans and leases to deposits | 62.0758% | 4,646 |
| Net loans and leases to core deposits | 62.7186% | 4,837 |
| Total domestic deposits to total assets | 91.2778% | 141 |
| Equity capital to assets | 8.7001% | 5,484 |
| Core capital (leverage) ratio | 8.0442% | 5,702 |
| Tier 1 risk-based capital ratio | 15.0456% | 3,058 |
| Total risk-based capital ratio | 15.8615% | 3,188 |
| Memoranda: | ||
| Average total assets | $29,609,330 | 5,850 |
| Average earning assets | $27,157,330 | 5,838 |
| Average equity | $2,318,330 | 5,952 |
| Average total loans | $15,373,670 | 5,779 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 5,161 |
| Cost of funding earning assets | 0.1571% | 5,558 |
| Net interest margin | 3.2268% | 4,489 |
| Noninterest income to average assets | 0.2335% | 5,071 |
| Noninterest expense to average assets | 2.7238% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4410% | 4,854 |
| Return on assets (ROA) | 0.3502% | 5,232 |
| Pretax return on assets | 0.3502% | 5,404 |
| Return on Equity (ROE) | 4.7028% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.7028% | 3,117 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0656% | 968 |
| Assets per employee ($millions) | 5.2513% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 5,269 |
| Loan loss allowance to noncurrent loans | 787.5000% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,417 |
| Noncurrent loans to loans | 0.1062% | 5,050 |
| Net loans and leases to total assets | 47.4038% | 5,013 |
| Net loans and leases to deposits | 51.1717% | 5,267 |
| Net loans and leases to core deposits | 51.6209% | 5,367 |
| Total domestic deposits to total assets | 92.6368% | 58 |
| Equity capital to assets | 7.3473% | 5,972 |
| Core capital (leverage) ratio | 7.7049% | 5,874 |
| Tier 1 risk-based capital ratio | 14.0863% | 3,631 |
| Total risk-based capital ratio | 14.8577% | 3,855 |
| Memoranda: | ||
| Average total assets | $30,839,500 | 5,895 |
| Average earning assets | $28,015,500 | 5,880 |
| Average equity | $2,296,500 | 6,013 |
| Average total loans | $15,305,500 | 5,835 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 5,137 |
| Cost of funding earning assets | 0.1838% | 5,413 |
| Net interest margin | 3.2247% | 4,544 |
| Noninterest income to average assets | 0.8950% | 1,454 |
| Noninterest expense to average assets | 3.1123% | 2,198 |
| Loan and lease loss provision to assets | 0.1312% | 1,821 |
| Net operating income to assets | 0.4845% | 4,748 |
| Return on assets (ROA) | 0.4071% | 5,113 |
| Pretax return on assets | 0.4071% | 5,307 |
| Return on Equity (ROE) | 5.4930% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.4930% | 2,086 |
| Net charge-offs to loans | 0.2959% | 1,025 |
| Credit loss provision to net charge-offs | 95.1220% | 2,653 |
| Earnings coverage of net charge-offs (x) | 4.4634% | 3,558 |
| Efficiency ratio | 83.4838% | 1,225 |
| Assets per employee ($millions) | 5.0285% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,382 |
| Loan loss allowance to noncurrent loans | 630.0000% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 5,375 |
| Noncurrent loans to loans | 0.1286% | 4,978 |
| Net loans and leases to total assets | 51.1186% | 4,766 |
| Net loans and leases to deposits | 55.3053% | 5,088 |
| Net loans and leases to core deposits | 55.8117% | 5,212 |
| Total domestic deposits to total assets | 92.4298% | 78 |
| Equity capital to assets | 7.5503% | 5,974 |
| Core capital (leverage) ratio | 7.2890% | 6,015 |
| Tier 1 risk-based capital ratio | 13.9337% | 3,751 |
| Total risk-based capital ratio | 14.7061% | 3,966 |
| Memoranda: | ||
| Average total assets | $29,720,800 | 5,962 |
| Average earning assets | $26,110,600 | 5,967 |
| Average equity | $2,202,800 | 6,078 |
| Average total loans | $13,854,400 | 5,928 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 5,093 |
| Cost of funding earning assets | 0.1842% | 5,510 |
| Net interest margin | 3.2696% | 4,455 |
| Noninterest income to average assets | 0.5359% | 3,130 |
| Noninterest expense to average assets | 2.8685% | 2,940 |
| Loan and lease loss provision to assets | 0.1756% | 1,206 |
| Net operating income to assets | 0.3693% | 5,263 |
| Return on assets (ROA) | 0.2657% | 5,623 |
| Pretax return on assets | 0.2657% | 5,694 |
| Return on Equity (ROE) | 3.6016% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.6016% | 3,906 |
| Net charge-offs to loans | 0.4071% | 632 |
| Credit loss provision to net charge-offs | 95.1220% | 2,387 |
| Earnings coverage of net charge-offs (x) | 2.9510% | 3,573 |
| Efficiency ratio | 84.0369% | 1,167 |
| Assets per employee ($millions) | 4.3333% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.9231% | 4,468 |
| Net loans and leases to deposits | 60.0707% | 4,853 |
| Net loans and leases to core deposits | 60.0707% | 5,062 |
| Total domestic deposits to total assets | 91.4308% | 169 |
| Equity capital to assets | 8.5500% | 5,678 |
| Core capital (leverage) ratio | 7.9775% | 5,918 |
| Tier 1 risk-based capital ratio | 15.0784% | 3,257 |
| Total risk-based capital ratio | 15.9373% | 3,387 |
| Memoranda: | ||
| Average total assets | $29,608,250 | 6,043 |
| Average earning assets | $26,057,750 | 6,049 |
| Average equity | $2,184,000 | 6,164 |
| Average total loans | $13,430,750 | 6,016 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2760% | 5,485 |
| Cost of funding earning assets | 0.1787% | 5,622 |
| Net interest margin | 3.0973% | 4,975 |
| Noninterest income to average assets | 0.3116% | 4,727 |
| Noninterest expense to average assets | 2.6354% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3765% | 5,213 |
| Return on assets (ROA) | 0.3765% | 5,328 |
| Pretax return on assets | 0.3765% | 5,522 |
| Return on Equity (ROE) | 5.3432% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.3432% | 2,644 |
| Net charge-offs to loans | 0.0305% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,391 |
| Efficiency ratio | 87.5000% | 939 |
| Assets per employee ($millions) | 4.7880% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 5,216 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 5,257 |
| Noncurrent loans to loans | 0.3217% | 4,543 |
| Net loans and leases to total assets | 47.1770% | 5,168 |
| Net loans and leases to deposits | 51.1010% | 5,443 |
| Net loans and leases to core deposits | 51.5931% | 5,555 |
| Total domestic deposits to total assets | 92.3211% | 98 |
| Equity capital to assets | 7.6580% | 6,083 |
| Core capital (leverage) ratio | 7.0277% | 6,184 |
| Tier 1 risk-based capital ratio | 14.7856% | 3,481 |
| Total risk-based capital ratio | 15.6286% | 3,632 |
| Memoranda: | ||
| Average total assets | $30,811,000 | 6,094 |
| Average earning assets | $26,862,330 | 6,103 |
| Average equity | $2,171,000 | 6,235 |
| Average total loans | $13,105,670 | 6,093 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0837% | 5,801 |
| Cost of funding earning assets | 0.1891% | 5,606 |
| Net interest margin | 2.8947% | 5,468 |
| Noninterest income to average assets | 0.3893% | 4,095 |
| Noninterest expense to average assets | 2.5367% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3516% | 5,247 |
| Return on assets (ROA) | 0.3516% | 5,362 |
| Pretax return on assets | 0.3516% | 5,536 |
| Return on Equity (ROE) | 5.1936% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.1936% | 2,952 |
| Net charge-offs to loans | 0.0624% | 2,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,691 |
| Efficiency ratio | 87.8261% | 1,033 |
| Assets per employee ($millions) | 5.5255% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,001 |
| Loan loss allowance to noncurrent loans | 323.0769% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 5,482 |
| Noncurrent loans to loans | 0.3104% | 4,680 |
| Net loans and leases to total assets | 37.5140% | 5,747 |
| Net loans and leases to deposits | 40.1556% | 5,909 |
| Net loans and leases to core deposits | 40.4850% | 5,958 |
| Total domestic deposits to total assets | 93.4214% | 48 |
| Equity capital to assets | 6.5605% | 6,302 |
| Core capital (leverage) ratio | 6.7454% | 6,262 |
| Tier 1 risk-based capital ratio | 14.6013% | 3,659 |
| Total risk-based capital ratio | 15.4449% | 3,810 |
| Memoranda: | ||
| Average total assets | $31,852,500 | 6,142 |
| Average earning assets | $27,499,000 | 6,151 |
| Average equity | $2,156,500 | 6,303 |
| Average total loans | $12,819,000 | 6,160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 5,250 |
| Cost of funding earning assets | 0.1915% | 5,824 |
| Net interest margin | 3.3377% | 4,447 |
| Noninterest income to average assets | 0.7029% | 2,291 |
| Noninterest expense to average assets | 2.9143% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6419% | 4,184 |
| Return on assets (ROA) | 0.6516% | 4,240 |
| Pretax return on assets | 0.6516% | 4,776 |
| Return on Equity (ROE) | 10.1156% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.1156% | 498 |
| Net charge-offs to loans | -0.0999% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9495% | 1,668 |
| Assets per employee ($millions) | 5.0920% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 5,161 |
| Loan loss allowance to noncurrent loans | 328.2051% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 5,521 |
| Noncurrent loans to loans | 0.2983% | 4,777 |
| Net loans and leases to total assets | 42.3769% | 5,588 |
| Net loans and leases to deposits | 45.5752% | 5,813 |
| Net loans and leases to core deposits | 45.9831% | 5,893 |
| Total domestic deposits to total assets | 92.9825% | 68 |
| Equity capital to assets | 6.9979% | 6,327 |
| Core capital (leverage) ratio | 6.9010% | 6,328 |
| Tier 1 risk-based capital ratio | 14.4945% | 3,781 |
| Total risk-based capital ratio | 15.3566% | 3,946 |
| Memoranda: | ||
| Average total assets | $31,156,200 | 6,230 |
| Average earning assets | $26,635,200 | 6,250 |
| Average equity | $2,006,800 | 6,400 |
| Average total loans | $12,007,800 | 6,254 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,534 |
| Cost of funding earning assets | 0.1927% | 5,887 |
| Net interest margin | 3.2409% | 4,821 |
| Noninterest income to average assets | 0.6005% | 2,866 |
| Noninterest expense to average assets | 2.7384% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6559% | 4,189 |
| Return on assets (ROA) | 0.6686% | 4,205 |
| Pretax return on assets | 0.6686% | 4,811 |
| Return on Equity (ROE) | 10.6044% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.6044% | 571 |
| Net charge-offs to loans | -0.1931% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6775% | 1,813 |
| Assets per employee ($millions) | 4.6605% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,991 |
| Loan loss allowance to noncurrent loans | 211.1111% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 4,823 |
| Noncurrent loans to loans | 0.4970% | 4,434 |
| Net loans and leases to total assets | 44.8521% | 5,465 |
| Net loans and leases to deposits | 48.4996% | 5,735 |
| Net loans and leases to core deposits | 48.9750% | 5,838 |
| Total domestic deposits to total assets | 92.4793% | 111 |
| Equity capital to assets | 7.5028% | 6,300 |
| Core capital (leverage) ratio | 7.2059% | 6,352 |
| Tier 1 risk-based capital ratio | 14.6821% | 3,765 |
| Total risk-based capital ratio | 15.6093% | 3,912 |
| Memoranda: | ||
| Average total assets | $31,307,250 | 6,303 |
| Average earning assets | $26,987,750 | 6,316 |
| Average equity | $1,974,000 | 6,480 |
| Average total loans | $11,741,000 | 6,327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2276% | 5,910 |
| Cost of funding earning assets | 0.1941% | 5,962 |
| Net interest margin | 3.0335% | 5,437 |
| Noninterest income to average assets | 0.2159% | 5,659 |
| Noninterest expense to average assets | 2.4058% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4133% | 5,161 |
| Return on assets (ROA) | 0.4195% | 5,221 |
| Pretax return on assets | 0.4195% | 5,501 |
| Return on Equity (ROE) | 7.0369% | 3,608 |
| Retained earnings to average equity (ytd only) | 7.0369% | 1,751 |
| Net charge-offs to loans | -0.6999% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3392% | 1,338 |
| Assets per employee ($millions) | 5.0797% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,180 |
| Loan loss allowance to noncurrent loans | 208.0000% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 4,663 |
| Noncurrent loans to loans | 0.5999% | 4,230 |
| Net loans and leases to total assets | 40.5112% | 5,783 |
| Net loans and leases to deposits | 43.3776% | 6,010 |
| Net loans and leases to core deposits | 43.3776% | 6,094 |
| Total domestic deposits to total assets | 93.3920% | 68 |
| Equity capital to assets | 6.5884% | 6,487 |
| Core capital (leverage) ratio | 6.2301% | 6,511 |
| Tier 1 risk-based capital ratio | 13.7360% | 4,424 |
| Total risk-based capital ratio | 14.7984% | 4,490 |
| Memoranda: | ||
| Average total assets | $32,422,000 | 6,340 |
| Average earning assets | $27,822,330 | 6,358 |
| Average equity | $1,932,670 | 6,547 |
| Average total loans | $11,429,670 | 6,396 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0480% | 6,187 |
| Cost of funding earning assets | 0.1843% | 6,124 |
| Net interest margin | 2.8637% | 5,826 |
| Noninterest income to average assets | 0.2276% | 5,532 |
| Noninterest expense to average assets | 2.2759% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3713% | 5,226 |
| Return on assets (ROA) | 0.3713% | 5,293 |
| Pretax return on assets | 0.3713% | 5,538 |
| Return on Equity (ROE) | 6.5435% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.5435% | 2,256 |
| Net charge-offs to loans | -1.4688% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9729% | 1,459 |
| Assets per employee ($millions) | 5.6852% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 3,516 |
| Loan loss allowance to noncurrent loans | 210.8108% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 4,956 |
| Noncurrent loans to loans | 0.6722% | 4,178 |
| Net loans and leases to total assets | 31.8138% | 6,274 |
| Net loans and leases to deposits | 33.7627% | 6,376 |
| Net loans and leases to core deposits | 33.7627% | 6,415 |
| Total domestic deposits to total assets | 94.2277% | 57 |
| Equity capital to assets | 5.7577% | 6,586 |
| Core capital (leverage) ratio | 5.9901% | 6,592 |
| Tier 1 risk-based capital ratio | 14.0228% | 4,322 |
| Total risk-based capital ratio | 15.1271% | 4,366 |
| Memoranda: | ||
| Average total assets | $33,394,000 | 6,386 |
| Average earning assets | $28,215,500 | 6,417 |
| Average equity | $1,895,000 | 6,615 |
| Average total loans | $10,893,000 | 6,488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9884% | 6,355 |
| Cost of funding earning assets | 0.2140% | 6,208 |
| Net interest margin | 2.7744% | 6,022 |
| Noninterest income to average assets | 0.7771% | 2,177 |
| Noninterest expense to average assets | 3.0136% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1588% | 5,924 |
| Return on assets (ROA) | 0.1622% | 5,982 |
| Pretax return on assets | 0.1318% | 6,042 |
| Return on Equity (ROE) | 2.5784% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.5784% | 4,417 |
| Net charge-offs to loans | 0.2144% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 4,472 |
| Efficiency ratio | 95.9140% | 648 |
| Assets per employee ($millions) | 5.4462% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 5,255 |
| Loan loss allowance to noncurrent loans | 156.7568% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 5,016 |
| Noncurrent loans to loans | 0.6866% | 4,256 |
| Net loans and leases to total assets | 32.6285% | 6,356 |
| Net loans and leases to deposits | 34.5675% | 6,472 |
| Net loans and leases to core deposits | 34.5675% | 6,504 |
| Total domestic deposits to total assets | 94.3905% | 65 |
| Equity capital to assets | 5.5880% | 6,650 |
| Core capital (leverage) ratio | 6.2687% | 6,627 |
| Tier 1 risk-based capital ratio | 14.2596% | 4,112 |
| Total risk-based capital ratio | 15.1083% | 4,333 |
| Memoranda: | ||
| Average total assets | $29,598,800 | 6,521 |
| Average earning assets | $25,230,800 | 6,544 |
| Average equity | $1,861,600 | 6,712 |
| Average total loans | $10,259,400 | 6,578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9317% | 6,474 |
| Cost of funding earning assets | 0.2239% | 6,274 |
| Net interest margin | 2.7078% | 6,162 |
| Noninterest income to average assets | 0.6290% | 2,999 |
| Noninterest expense to average assets | 2.9830% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0370% | 6,241 |
| Return on assets (ROA) | 0.0370% | 6,296 |
| Pretax return on assets | -0.0046% | 6,328 |
| Return on Equity (ROE) | 0.5704% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.5704% | 5,742 |
| Net charge-offs to loans | 0.2895% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.0453% | 4,868 |
| Efficiency ratio | 100.1553% | 460 |
| Assets per employee ($millions) | 4.6480% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,437 |
| Loan loss allowance to noncurrent loans | 156.7568% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 4,980 |
| Noncurrent loans to loans | 0.6835% | 4,491 |
| Net loans and leases to total assets | 38.4072% | 6,149 |
| Net loans and leases to deposits | 41.1677% | 6,344 |
| Net loans and leases to core deposits | 41.1677% | 6,413 |
| Total domestic deposits to total assets | 93.2946% | 105 |
| Equity capital to assets | 6.6695% | 6,615 |
| Core capital (leverage) ratio | 6.6354% | 6,647 |
| Tier 1 risk-based capital ratio | 14.9362% | 3,795 |
| Total risk-based capital ratio | 15.8438% | 3,971 |
| Memoranda: | ||
| Average total assets | $28,829,250 | 6,622 |
| Average earning assets | $25,013,750 | 6,626 |
| Average equity | $1,870,500 | 6,792 |
| Average total loans | $10,129,750 | 6,653 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7555% | 6,627 |
| Cost of funding earning assets | 0.2277% | 6,320 |
| Net interest margin | 2.5278% | 6,421 |
| Noninterest income to average assets | 0.2471% | 5,678 |
| Noninterest expense to average assets | 2.7588% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2402% | 6,513 |
| Return on assets (ROA) | -0.2402% | 6,544 |
| Pretax return on assets | -0.3020% | 6,553 |
| Return on Equity (ROE) | -3.7353% | 6,607 |
| Retained earnings to average equity (ytd only) | -3.7353% | 6,371 |
| Net charge-offs to loans | 0.4446% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,768 |
| Efficiency ratio | 112.2905% | 251 |
| Assets per employee ($millions) | 4.8247% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,181 |
| Loan loss allowance to noncurrent loans | 112.6214% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 4,833 |
| Noncurrent loans to loans | 1.0333% | 3,867 |
| Net loans and leases to total assets | 34.0334% | 6,411 |
| Net loans and leases to deposits | 36.3301% | 6,543 |
| Net loans and leases to core deposits | 36.3301% | 6,592 |
| Total domestic deposits to total assets | 93.6783% | 76 |
| Equity capital to assets | 6.2802% | 6,718 |
| Core capital (leverage) ratio | 6.2437% | 6,728 |
| Tier 1 risk-based capital ratio | 15.1806% | 3,655 |
| Total risk-based capital ratio | 16.1243% | 3,826 |
| Memoranda: | ||
| Average total assets | $29,143,000 | 6,666 |
| Average earning assets | $25,476,670 | 6,669 |
| Average equity | $1,874,000 | 6,836 |
| Average total loans | $9,897,330 | 6,713 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7231% | 6,722 |
| Cost of funding earning assets | 0.2533% | 6,269 |
| Net interest margin | 2.4698% | 6,541 |
| Noninterest income to average assets | 0.2873% | 5,401 |
| Noninterest expense to average assets | 2.7496% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3283% | 6,593 |
| Return on assets (ROA) | -0.3283% | 6,622 |
| Pretax return on assets | -0.3283% | 6,604 |
| Return on Equity (ROE) | -5.0473% | 6,698 |
| Retained earnings to average equity (ytd only) | -5.0473% | 6,368 |
| Net charge-offs to loans | 0.8112% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 3,980 |
| Efficiency ratio | 113.5593% | 281 |
| Assets per employee ($millions) | 5.1995% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,925 |
| Loan loss allowance to noncurrent loans | 76.6234% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 4,652 |
| Noncurrent loans to loans | 1.6364% | 3,087 |
| Net loans and leases to total assets | 29.7881% | 6,614 |
| Net loans and leases to deposits | 31.7330% | 6,696 |
| Net loans and leases to core deposits | 31.7330% | 6,727 |
| Total domestic deposits to total assets | 93.8712% | 80 |
| Equity capital to assets | 6.0615% | 6,824 |
| Core capital (leverage) ratio | 6.1666% | 6,783 |
| Tier 1 risk-based capital ratio | 15.1408% | 3,746 |
| Total risk-based capital ratio | 16.0926% | 3,908 |
| Memoranda: | ||
| Average total assets | $29,240,500 | 6,734 |
| Average earning assets | $25,265,500 | 6,735 |
| Average equity | $1,902,000 | 6,891 |
| Average total loans | $9,862,000 | 6,776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 5,538 |
| Cost of funding earning assets | 0.3285% | 6,319 |
| Net interest margin | 3.5842% | 4,164 |
| Noninterest income to average assets | 0.9819% | 1,588 |
| Noninterest expense to average assets | 3.7419% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2228% | 5,727 |
| Return on assets (ROA) | 0.2228% | 5,915 |
| Pretax return on assets | 0.2558% | 5,904 |
| Return on Equity (ROE) | 2.8788% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.8788% | 4,216 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6017% | 818 |
| Assets per employee ($millions) | 4.5473% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 4,463 |
| Loan loss allowance to noncurrent loans | 64.7887% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7807% | 4,505 |
| Noncurrent loans to loans | 2.0654% | 2,618 |
| Net loans and leases to total assets | 37.2929% | 6,350 |
| Net loans and leases to deposits | 40.1428% | 6,545 |
| Net loans and leases to core deposits | 40.1428% | 6,614 |
| Total domestic deposits to total assets | 92.9006% | 143 |
| Equity capital to assets | 7.0114% | 6,771 |
| Core capital (leverage) ratio | 7.7795% | 6,352 |
| Tier 1 risk-based capital ratio | 14.5592% | 3,987 |
| Total risk-based capital ratio | 15.6161% | 4,076 |
| Memoranda: | ||
| Average total assets | $24,239,200 | 6,889 |
| Average earning assets | $20,395,200 | 6,896 |
| Average equity | $1,875,800 | 6,971 |
| Average total loans | $9,853,800 | 6,852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,225 |
| Cost of funding earning assets | 0.3527% | 6,362 |
| Net interest margin | 3.7371% | 3,622 |
| Noninterest income to average assets | 0.7383% | 2,536 |
| Noninterest expense to average assets | 3.6288% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1988% | 5,921 |
| Return on assets (ROA) | 0.1988% | 6,086 |
| Pretax return on assets | 0.2385% | 6,071 |
| Return on Equity (ROE) | 2.5004% | 5,878 |
| Retained earnings to average equity (ytd only) | 2.5004% | 5,075 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8326% | 787 |
| Assets per employee ($millions) | 3.7483% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,443 |
| Loan loss allowance to noncurrent loans | 64.7887% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 4,393 |
| Noncurrent loans to loans | 2.1353% | 2,687 |
| Net loans and leases to total assets | 43.7394% | 5,990 |
| Net loans and leases to deposits | 47.8500% | 6,266 |
| Net loans and leases to core deposits | 47.8500% | 6,427 |
| Total domestic deposits to total assets | 91.4095% | 305 |
| Equity capital to assets | 8.4526% | 6,303 |
| Core capital (leverage) ratio | 8.2183% | 6,119 |
| Tier 1 risk-based capital ratio | 16.3439% | 3,088 |
| Total risk-based capital ratio | 17.5423% | 3,083 |
| Memoranda: | ||
| Average total assets | $23,478,000 | 6,993 |
| Average earning assets | $19,658,250 | 7,004 |
| Average equity | $1,866,500 | 7,065 |
| Average total loans | $9,739,000 | 6,949 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 5,394 |
| Cost of funding earning assets | 0.3807% | 6,373 |
| Net interest margin | 3.6968% | 3,836 |
| Noninterest income to average assets | 0.3108% | 5,329 |
| Noninterest expense to average assets | 3.4107% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0420% | 6,369 |
| Return on assets (ROA) | -0.0420% | 6,488 |
| Pretax return on assets | 0.0000% | 6,445 |
| Return on Equity (ROE) | -0.5391% | 6,505 |
| Retained earnings to average equity (ytd only) | -0.5391% | 6,132 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 559 |
| Assets per employee ($millions) | 3.7912% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,309 |
| Loan loss allowance to noncurrent loans | 42.4615% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 3,570 |
| Noncurrent loans to loans | 3.3815% | 1,714 |
| Net loans and leases to total assets | 41.6451% | 6,209 |
| Net loans and leases to deposits | 45.4319% | 6,481 |
| Net loans and leases to core deposits | 45.9832% | 6,576 |
| Total domestic deposits to total assets | 91.6648% | 287 |
| Equity capital to assets | 8.1945% | 6,455 |
| Core capital (leverage) ratio | 7.7902% | 6,456 |
| Tier 1 risk-based capital ratio | 15.8643% | 3,230 |
| Total risk-based capital ratio | 17.0528% | 3,240 |
| Memoranda: | ||
| Average total assets | $23,807,330 | 7,044 |
| Average earning assets | $19,963,000 | 7,051 |
| Average equity | $1,855,000 | 7,114 |
| Average total loans | $9,660,330 | 7,009 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 5,760 |
| Cost of funding earning assets | 0.3705% | 6,551 |
| Net interest margin | 3.6269% | 4,141 |
| Noninterest income to average assets | 0.2630% | 5,768 |
| Noninterest expense to average assets | 3.3529% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0822% | 6,511 |
| Return on assets (ROA) | -0.0822% | 6,601 |
| Pretax return on assets | -0.0329% | 6,557 |
| Return on Equity (ROE) | -1.0808% | 6,633 |
| Retained earnings to average equity (ytd only) | -1.0808% | 6,167 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9901% | 517 |
| Assets per employee ($millions) | 4.3657% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 4,347 |
| Loan loss allowance to noncurrent loans | 42.8571% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 4,082 |
| Noncurrent loans to loans | 3.4020% | 1,851 |
| Net loans and leases to total assets | 35.6074% | 6,647 |
| Net loans and leases to deposits | 38.3464% | 6,807 |
| Net loans and leases to core deposits | 38.3464% | 6,872 |
| Total domestic deposits to total assets | 92.8571% | 150 |
| Equity capital to assets | 7.0245% | 6,932 |
| Core capital (leverage) ratio | 7.5445% | 6,606 |
| Tier 1 risk-based capital ratio | 15.0416% | 3,735 |
| Total risk-based capital ratio | 16.1685% | 3,779 |
| Memoranda: | ||
| Average total assets | $24,337,500 | 7,091 |
| Average earning assets | $20,513,500 | 7,106 |
| Average equity | $1,850,500 | 7,171 |
| Average total loans | $9,685,000 | 7,078 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 5,319 |
| Cost of funding earning assets | 0.5738% | 6,218 |
| Net interest margin | 3.8539% | 3,550 |
| Noninterest income to average assets | 0.9579% | 1,478 |
| Noninterest expense to average assets | 3.8583% | 1,242 |
| Loan and lease loss provision to assets | -0.1766% | 7,297 |
| Net operating income to assets | 0.5792% | 4,101 |
| Return on assets (ROA) | 0.6401% | 3,981 |
| Pretax return on assets | 0.6931% | 4,346 |
| Return on Equity (ROE) | 8.5505% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.5505% | 912 |
| Net charge-offs to loans | -0.6729% | 7,294 |
| Credit loss provision to net charge-offs | 66.6667% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5492% | 1,224 |
| Assets per employee ($millions) | 3.7468% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 4,493 |
| Loan loss allowance to noncurrent loans | 33.1731% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8505% | 3,187 |
| Noncurrent loans to loans | 4.1999% | 1,464 |
| Net loans and leases to total assets | 43.4456% | 6,257 |
| Net loans and leases to deposits | 47.4449% | 6,533 |
| Net loans and leases to core deposits | 48.0281% | 6,643 |
| Total domestic deposits to total assets | 91.5707% | 314 |
| Equity capital to assets | 8.2781% | 6,368 |
| Core capital (leverage) ratio | 7.5286% | 6,634 |
| Tier 1 risk-based capital ratio | 15.5563% | 3,290 |
| Total risk-based capital ratio | 16.7186% | 3,305 |
| Memoranda: | ||
| Average total assets | $22,652,600 | 7,150 |
| Average earning assets | $19,694,400 | 7,146 |
| Average equity | $1,695,800 | 7,255 |
| Average total loans | $8,916,200 | 7,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 5,870 |
| Cost of funding earning assets | 0.6178% | 6,199 |
| Net interest margin | 3.7070% | 4,305 |
| Noninterest income to average assets | 0.8401% | 1,876 |
| Noninterest expense to average assets | 3.7187% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3203% | 5,323 |
| Return on assets (ROA) | 0.2996% | 5,572 |
| Pretax return on assets | 0.3407% | 5,621 |
| Return on Equity (ROE) | 4.1100% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.1100% | 3,806 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0791% | 1,103 |
| Assets per employee ($millions) | 3.8347% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 5,138 |
| Loan loss allowance to noncurrent loans | 22.6054% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 2.2688% | 2,824 |
| Noncurrent loans to loans | 5.6299% | 1,037 |
| Net loans and leases to total assets | 39.7862% | 6,650 |
| Net loans and leases to deposits | 43.2486% | 6,866 |
| Net loans and leases to core deposits | 43.2486% | 6,942 |
| Total domestic deposits to total assets | 91.9941% | 213 |
| Equity capital to assets | 7.8321% | 6,786 |
| Core capital (leverage) ratio | 7.5937% | 6,700 |
| Tier 1 risk-based capital ratio | 15.5856% | 3,339 |
| Total risk-based capital ratio | 16.6341% | 3,416 |
| Memoranda: | ||
| Average total assets | $22,695,500 | 7,222 |
| Average earning assets | $19,853,750 | 7,217 |
| Average equity | $1,654,500 | 7,335 |
| Average total loans | $8,669,000 | 7,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 5,856 |
| Cost of funding earning assets | 0.6842% | 6,044 |
| Net interest margin | 3.6625% | 4,456 |
| Noninterest income to average assets | 0.3099% | 5,411 |
| Noninterest expense to average assets | 3.4792% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0216% | 6,259 |
| Return on assets (ROA) | -0.0443% | 6,348 |
| Pretax return on assets | 0.0177% | 6,244 |
| Return on Equity (ROE) | -0.6229% | 6,369 |
| Retained earnings to average equity (ytd only) | -0.6229% | 5,989 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4962% | 774 |
| Assets per employee ($millions) | 3.7133% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 4,431 |
| Loan loss allowance to noncurrent loans | 20.7746% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 2.5494% | 2,624 |
| Noncurrent loans to loans | 6.8949% | 761 |
| Net loans and leases to total assets | 36.4452% | 6,940 |
| Net loans and leases to deposits | 39.4443% | 7,082 |
| Net loans and leases to core deposits | 39.4443% | 7,136 |
| Total domestic deposits to total assets | 92.3968% | 176 |
| Equity capital to assets | 7.4057% | 6,991 |
| Core capital (leverage) ratio | 6.9815% | 7,000 |
| Tier 1 risk-based capital ratio | 14.5623% | 3,747 |
| Total risk-based capital ratio | 15.6057% | 3,870 |
| Memoranda: | ||
| Average total assets | $22,591,330 | 7,295 |
| Average earning assets | $19,877,000 | 7,289 |
| Average equity | $1,605,330 | 7,417 |
| Average total loans | $8,468,000 | 7,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 6,203 |
| Cost of funding earning assets | 0.7247% | 6,006 |
| Net interest margin | 3.5060% | 4,983 |
| Noninterest income to average assets | 0.2989% | 5,526 |
| Noninterest expense to average assets | 3.3939% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0176% | 6,375 |
| Return on assets (ROA) | -0.0879% | 6,464 |
| Pretax return on assets | -0.0176% | 6,378 |
| Return on Equity (ROE) | -1.2634% | 6,520 |
| Retained earnings to average equity (ytd only) | -1.2634% | 6,040 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4694% | 808 |
| Assets per employee ($millions) | 3.9377% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 4,412 |
| Loan loss allowance to noncurrent loans | 86.7647% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,823 |
| Noncurrent loans to loans | 1.6784% | 3,967 |
| Net loans and leases to total assets | 33.7975% | 7,098 |
| Net loans and leases to deposits | 36.3087% | 7,218 |
| Net loans and leases to core deposits | 36.3087% | 7,253 |
| Total domestic deposits to total assets | 93.0839% | 132 |
| Equity capital to assets | 6.7087% | 7,164 |
| Core capital (leverage) ratio | 6.9723% | 7,024 |
| Tier 1 risk-based capital ratio | 14.2907% | 3,879 |
| Total risk-based capital ratio | 15.3145% | 4,008 |
| Memoranda: | ||
| Average total assets | $22,747,000 | 7,344 |
| Average earning assets | $20,422,000 | 7,334 |
| Average equity | $1,583,000 | 7,473 |
| Average total loans | $8,583,000 | 7,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 4,143 |
| Cost of funding earning assets | 0.9093% | 6,136 |
| Net interest margin | 4.1787% | 2,264 |
| Noninterest income to average assets | 0.9683% | 1,616 |
| Noninterest expense to average assets | 3.9232% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5786% | 3,764 |
| Return on assets (ROA) | 0.5546% | 4,026 |
| Pretax return on assets | 0.6319% | 4,222 |
| Return on Equity (ROE) | 7.3698% | 2,942 |
| Retained earnings to average equity (ytd only) | 1.6310% | 4,702 |
| Net charge-offs to loans | -0.0108% | 7,315 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6151% | 1,733 |
| Assets per employee ($millions) | 3.6447% | 4,594 |
| Cash dividends to net income (ytd only)* | 77.8689% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,990 |
| Loan loss allowance to noncurrent loans | 30.4124% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7743% | 3,654 |
| Noncurrent loans to loans | 4.2811% | 1,687 |
| Net loans and leases to total assets | 40.9045% | 6,909 |
| Net loans and leases to deposits | 44.4207% | 7,105 |
| Net loans and leases to core deposits | 44.4207% | 7,189 |
| Total domestic deposits to total assets | 92.0843% | 264 |
| Equity capital to assets | 7.2297% | 7,023 |
| Core capital (leverage) ratio | 7.1392% | 6,950 |
| Tier 1 risk-based capital ratio | 14.0071% | 3,868 |
| Total risk-based capital ratio | 15.0076% | 3,997 |
| Memoranda: | ||
| Average total assets | $21,997,600 | 7,421 |
| Average earning assets | $19,025,000 | 7,426 |
| Average equity | $1,655,400 | 7,558 |
| Average total loans | $9,218,000 | 7,424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 3,484 |
| Cost of funding earning assets | 0.9282% | 6,277 |
| Net interest margin | 4.3432% | 1,699 |
| Noninterest income to average assets | 0.5931% | 3,483 |
| Noninterest expense to average assets | 3.8008% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4297% | 4,628 |
| Return on assets (ROA) | 0.4297% | 4,808 |
| Pretax return on assets | 0.5023% | 4,914 |
| Return on Equity (ROE) | 5.6547% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.6547% | 2,564 |
| Net charge-offs to loans | -0.0144% | 7,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3263% | 1,427 |
| Assets per employee ($millions) | 3.5338% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,871 |
| Loan loss allowance to noncurrent loans | 23.7425% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 2.3440% | 3,032 |
| Noncurrent loans to loans | 5.5382% | 1,193 |
| Net loans and leases to total assets | 41.7677% | 6,989 |
| Net loans and leases to deposits | 45.5696% | 7,185 |
| Net loans and leases to core deposits | 45.5696% | 7,273 |
| Total domestic deposits to total assets | 91.6568% | 265 |
| Equity capital to assets | 8.0979% | 6,714 |
| Core capital (leverage) ratio | 7.7734% | 6,601 |
| Tier 1 risk-based capital ratio | 14.3498% | 3,596 |
| Total risk-based capital ratio | 15.3482% | 3,737 |
| Memoranda: | ||
| Average total assets | $22,030,000 | 7,513 |
| Average earning assets | $18,818,000 | 7,527 |
| Average equity | $1,674,000 | 7,655 |
| Average total loans | $9,256,750 | 7,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 3,584 |
| Cost of funding earning assets | 0.9450% | 6,400 |
| Net interest margin | 4.3304% | 1,669 |
| Noninterest income to average assets | 0.3587% | 5,278 |
| Noninterest expense to average assets | 3.4520% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5738% | 3,976 |
| Return on assets (ROA) | 0.5738% | 4,123 |
| Pretax return on assets | 0.6456% | 4,417 |
| Return on Equity (ROE) | 7.7124% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.7124% | 1,544 |
| Net charge-offs to loans | -0.0214% | 7,295 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2451% | 1,895 |
| Assets per employee ($millions) | 3.5037% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,891 |
| Loan loss allowance to noncurrent loans | 23.1827% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 2.4213% | 2,969 |
| Noncurrent loans to loans | 5.6274% | 1,167 |
| Net loans and leases to total assets | 42.4650% | 7,009 |
| Net loans and leases to deposits | 46.3139% | 7,235 |
| Net loans and leases to core deposits | 46.3139% | 7,337 |
| Total domestic deposits to total assets | 91.6897% | 293 |
| Equity capital to assets | 8.0773% | 6,675 |
| Core capital (leverage) ratio | 7.4386% | 6,884 |
| Tier 1 risk-based capital ratio | 14.3732% | 3,507 |
| Total risk-based capital ratio | 15.3774% | 3,608 |
| Memoranda: | ||
| Average total assets | $22,305,670 | 7,573 |
| Average earning assets | $19,259,330 | 7,579 |
| Average equity | $1,659,670 | 7,724 |
| Average total loans | $9,351,000 | 7,578 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3683% | 3,201 |
| Cost of funding earning assets | 1.0026% | 6,366 |
| Net interest margin | 4.3656% | 1,485 |
| Noninterest income to average assets | 0.3661% | 5,219 |
| Noninterest expense to average assets | 3.1899% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7670% | 3,123 |
| Return on assets (ROA) | 0.7670% | 3,237 |
| Pretax return on assets | 0.8193% | 3,789 |
| Return on Equity (ROE) | 10.7284% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.7284% | 981 |
| Net charge-offs to loans | -0.0421% | 7,301 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5652% | 2,637 |
| Assets per employee ($millions) | 4.0642% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,935 |
| Loan loss allowance to noncurrent loans | 54.6296% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 5,387 |
| Noncurrent loans to loans | 2.3820% | 3,293 |
| Net loans and leases to total assets | 36.7029% | 7,401 |
| Net loans and leases to deposits | 39.4743% | 7,534 |
| Net loans and leases to core deposits | 39.4743% | 7,590 |
| Total domestic deposits to total assets | 92.9793% | 124 |
| Equity capital to assets | 6.8239% | 7,437 |
| Core capital (leverage) ratio | 7.3872% | 6,948 |
| Tier 1 risk-based capital ratio | 13.3670% | 4,075 |
| Total risk-based capital ratio | 14.3120% | 4,262 |
| Memoranda: | ||
| Average total assets | $22,947,500 | 7,655 |
| Average earning assets | $19,149,500 | 7,676 |
| Average equity | $1,640,500 | 7,812 |
| Average total loans | $9,504,000 | 7,670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 3,364 |
| Cost of funding earning assets | 1.1871% | 6,701 |
| Net interest margin | 4.4597% | 1,270 |
| Noninterest income to average assets | 1.0681% | 1,346 |
| Noninterest expense to average assets | 4.0795% | 1,259 |
| Loan and lease loss provision to assets | 0.3858% | 4,478 |
| Net operating income to assets | 0.5787% | 3,412 |
| Return on assets (ROA) | 0.5787% | 3,488 |
| Pretax return on assets | 0.5976% | 3,907 |
| Return on Equity (ROE) | 7.6274% | 2,527 |
| Retained earnings to average equity (ytd only) | 2.0464% | 3,673 |
| Net charge-offs to loans | 0.7931% | 2,840 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.5488% | 3,846 |
| Efficiency ratio | 80.5762% | 2,802 |
| Assets per employee ($millions) | 3.5850% | 4,817 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,488 |
| Loan loss allowance to noncurrent loans | 50.2146% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 4,927 |
| Noncurrent loans to loans | 2.3441% | 3,240 |
| Net loans and leases to total assets | 45.6671% | 7,011 |
| Net loans and leases to deposits | 49.7292% | 7,274 |
| Net loans and leases to core deposits | 55.2661% | 7,429 |
| Total domestic deposits to total assets | 91.8317% | 296 |
| Equity capital to assets | 7.5174% | 7,019 |
| Core capital (leverage) ratio | 7.4709% | 6,818 |
| Tier 1 risk-based capital ratio | 12.7731% | 4,302 |
| Total risk-based capital ratio | 13.6928% | 4,518 |
| Memoranda: | ||
| Average total assets | $21,252,800 | 7,744 |
| Average earning assets | $19,037,200 | 7,733 |
| Average equity | $1,612,600 | 7,906 |
| Average total loans | $10,339,000 | 7,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 3,262 |
| Cost of funding earning assets | 1.2330% | 6,793 |
| Net interest margin | 4.4836% | 1,234 |
| Noninterest income to average assets | 0.6607% | 3,287 |
| Noninterest expense to average assets | 3.8573% | 1,501 |
| Loan and lease loss provision to assets | 0.4782% | 3,517 |
| Net operating income to assets | 0.3272% | 4,689 |
| Return on assets (ROA) | 0.3272% | 4,793 |
| Pretax return on assets | 0.3524% | 4,921 |
| Return on Equity (ROE) | 4.3022% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.3022% | 2,870 |
| Net charge-offs to loans | 0.9707% | 2,033 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 1.7369% | 4,497 |
| Efficiency ratio | 82.2819% | 2,546 |
| Assets per employee ($millions) | 3.4458% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,494 |
| Loan loss allowance to noncurrent loans | 49.7872% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 4,797 |
| Noncurrent loans to loans | 2.2842% | 3,282 |
| Net loans and leases to total assets | 49.1947% | 6,848 |
| Net loans and leases to deposits | 53.5880% | 7,234 |
| Net loans and leases to core deposits | 59.4691% | 7,420 |
| Total domestic deposits to total assets | 91.8017% | 205 |
| Equity capital to assets | 7.9420% | 6,900 |
| Core capital (leverage) ratio | 7.9126% | 6,486 |
| Tier 1 risk-based capital ratio | 12.9327% | 4,242 |
| Total risk-based capital ratio | 13.8531% | 4,420 |
| Memoranda: | ||
| Average total assets | $21,188,500 | 7,818 |
| Average earning assets | $19,032,000 | 7,805 |
| Average equity | $1,611,500 | 7,991 |
| Average total loans | $10,438,750 | 7,758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6070% | 4,043 |
| Cost of funding earning assets | 1.2804% | 6,869 |
| Net interest margin | 4.3266% | 1,586 |
| Noninterest income to average assets | 0.4120% | 5,185 |
| Noninterest expense to average assets | 3.5300% | 2,251 |
| Loan and lease loss provision to assets | 0.7116% | 2,297 |
| Net operating income to assets | 0.0562% | 5,694 |
| Return on assets (ROA) | 0.0562% | 5,782 |
| Pretax return on assets | 0.0936% | 5,692 |
| Return on Equity (ROE) | 0.7494% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.7494% | 4,893 |
| Net charge-offs to loans | 1.4491% | 1,305 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.1316% | 4,676 |
| Efficiency ratio | 81.4255% | 2,807 |
| Assets per employee ($millions) | 3.4535% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,403 |
| Loan loss allowance to noncurrent loans | 48.1481% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 4,598 |
| Noncurrent loans to loans | 2.3415% | 3,089 |
| Net loans and leases to total assets | 49.5198% | 6,916 |
| Net loans and leases to deposits | 53.7845% | 7,281 |
| Net loans and leases to core deposits | 60.3340% | 7,440 |
| Total domestic deposits to total assets | 92.0708% | 200 |
| Equity capital to assets | 7.6589% | 7,126 |
| Core capital (leverage) ratio | 7.3021% | 7,241 |
| Tier 1 risk-based capital ratio | 12.6174% | 4,429 |
| Total risk-based capital ratio | 13.5413% | 4,597 |
| Memoranda: | ||
| Average total assets | $21,359,670 | 7,891 |
| Average earning assets | $19,368,670 | 7,877 |
| Average equity | $1,601,330 | 8,076 |
| Average total loans | $10,489,000 | 7,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5345% | 4,727 |
| Cost of funding earning assets | 1.3226% | 6,952 |
| Net interest margin | 4.2119% | 1,852 |
| Noninterest income to average assets | 0.4613% | 4,672 |
| Noninterest expense to average assets | 3.4503% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7565% | 3,320 |
| Return on assets (ROA) | 0.7565% | 3,497 |
| Pretax return on assets | 0.8303% | 3,972 |
| Return on Equity (ROE) | 10.1958% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.1958% | 1,142 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6034% | 2,725 |
| Assets per employee ($millions) | 3.2286% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,419 |
| Loan loss allowance to noncurrent loans | 153.9474% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.2124% | 4,251 |
| Noncurrent loans to loans | 0.7189% | 5,619 |
| Net loans and leases to total assets | 46.2611% | 7,171 |
| Net loans and leases to deposits | 50.0120% | 7,493 |
| Net loans and leases to core deposits | 56.4555% | 7,597 |
| Total domestic deposits to total assets | 92.5000% | 124 |
| Equity capital to assets | 7.2168% | 7,550 |
| Core capital (leverage) ratio | 7.4513% | 7,213 |
| Tier 1 risk-based capital ratio | 12.2425% | 4,753 |
| Total risk-based capital ratio | 13.1191% | 4,972 |
| Memoranda: | ||
| Average total assets | $21,679,000 | 7,933 |
| Average earning assets | $19,658,500 | 7,914 |
| Average equity | $1,608,500 | 8,130 |
| Average total loans | $10,544,500 | 7,878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1718% | 4,659 |
| Cost of funding earning assets | 1.7674% | 7,095 |
| Net interest margin | 4.4044% | 1,673 |
| Noninterest income to average assets | 1.4679% | 658 |
| Noninterest expense to average assets | 4.3482% | 994 |
| Loan and lease loss provision to assets | 0.0101% | 7,243 |
| Net operating income to assets | 0.9950% | 2,578 |
| Return on assets (ROA) | 0.4086% | 4,937 |
| Pretax return on assets | 0.4389% | 5,158 |
| Return on Equity (ROE) | 5.0733% | 4,349 |
| Retained earnings to average equity (ytd only) | 0.3758% | 5,017 |
| Net charge-offs to loans | 0.0106% | 6,779 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 224 |
| Efficiency ratio | 80.1115% | 2,582 |
| Assets per employee ($millions) | 2.9654% | 6,134 |
| Cash dividends to net income (ytd only)* | 92.5926% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,177 |
| Loan loss allowance to noncurrent loans | 450.0000% | 938 |
| Noncurrent assets plus other real estate owned to assets | 1.0791% | 4,137 |
| Noncurrent loans to loans | 0.2472% | 6,643 |
| Net loans and leases to total assets | 50.1012% | 7,021 |
| Net loans and leases to deposits | 54.9538% | 7,384 |
| Net loans and leases to core deposits | 63.2719% | 7,468 |
| Total domestic deposits to total assets | 91.1697% | 280 |
| Equity capital to assets | 7.6404% | 7,271 |
| Core capital (leverage) ratio | 7.5727% | 7,115 |
| Tier 1 risk-based capital ratio | 12.1640% | 4,698 |
| Total risk-based capital ratio | 13.0574% | 4,888 |
| Memoranda: | ||
| Average total assets | $19,824,400 | 8,021 |
| Average earning assets | $17,823,000 | 8,008 |
| Average equity | $1,596,600 | 8,199 |
| Average total loans | $9,409,200 | 7,964 |