Home > Lowry State Bank > Performance and Condition Ratios
Lowry 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 | 5.7899% | 846 |
| Cost of funding earning assets | 1.7223% | 1,404 |
| Net interest margin | 4.0677% | 1,108 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.4624% | 2,410 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.3589% | 1,299 |
| Return on assets (ROA) | 1.3677% | 1,252 |
| Pretax return on assets | 1.4627% | 1,504 |
| Return on Equity (ROE) | 16.5800% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.1060% | 1,862 |
| Net charge-offs to loans | 0.1294% | 761 |
| Credit loss provision to net charge-offs | 136.6667% | 1,549 |
| Earnings coverage of net charge-offs (x) | 13.4333% | 2,108 |
| Efficiency ratio | 60.3477% | 3,036 |
| Assets per employee ($millions) | 7.1395% | 1,982 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 2,927 |
| Loan loss allowance to noncurrent loans | 90.6760% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 408 |
| Noncurrent loans to loans | 1.1922% | 597 |
| Net loans and leases to total assets | 90.6500% | 31 |
| Net loans and leases to deposits | 112.6173% | 153 |
| Net loans and leases to core deposits | 121.3269% | 585 |
| Total domestic deposits to total assets | 80.4900% | 3,382 |
| Equity capital to assets | 8.1008% | 3,350 |
| Core capital (leverage) ratio | 8.4111% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1002% | 2,802 |
| Memoranda: | ||
| Average total assets | $74,724,400 | 4,068 |
| Average earning assets | $72,056,200 | 4,015 |
| Average equity | $6,163,800 | 4,148 |
| Average total loans | $69,559,600 | 3,559 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7000% | 792 |
| Cost of funding earning assets | 1.5518% | 1,477 |
| Net interest margin | 4.1482% | 992 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.4869% | 2,274 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4342% | 1,244 |
| Return on assets (ROA) | 1.4459% | 1,210 |
| Pretax return on assets | 1.5742% | 1,413 |
| Return on Equity (ROE) | 17.4500% | 1,020 |
| Retained earnings to average equity (ytd only) | 8.2646% | 1,870 |
| Net charge-offs to loans | 0.0599% | 1,070 |
| Credit loss provision to net charge-offs | 222.5806% | 1,051 |
| Earnings coverage of net charge-offs (x) | 30.0968% | 1,594 |
| Efficiency ratio | 59.5929% | 3,011 |
| Assets per employee ($millions) | 6.9001% | 2,036 |
| Cash dividends to net income (ytd only)* | 52.6250% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 2,800 |
| Loan loss allowance to noncurrent loans | 100.7712% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 467 |
| Noncurrent loans to loans | 1.1043% | 710 |
| Net loans and leases to total assets | 91.7900% | 18 |
| Net loans and leases to deposits | 114.4148% | 128 |
| Net loans and leases to core deposits | 121.9472% | 504 |
| Total domestic deposits to total assets | 80.2200% | 3,494 |
| Equity capital to assets | 8.2687% | 2,872 |
| Core capital (leverage) ratio | 8.4759% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2004% | 2,787 |
| Memoranda: | ||
| Average total assets | $73,771,750 | 4,100 |
| Average earning assets | $71,226,250 | 4,045 |
| Average equity | $6,114,250 | 4,156 |
| Average total loans | $68,957,250 | 3,580 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 812 |
| Cost of funding earning assets | 1.3385% | 1,615 |
| Net interest margin | 4.1771% | 962 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.5211% | 2,148 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.5425% | 1,030 |
| Return on assets (ROA) | 1.5603% | 1,001 |
| Pretax return on assets | 1.6726% | 1,270 |
| Return on Equity (ROE) | 18.8100% | 853 |
| Retained earnings to average equity (ytd only) | 10.6925% | 1,251 |
| Net charge-offs to loans | -0.0117% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8830% | 2,979 |
| Assets per employee ($millions) | 6.7491% | 2,104 |
| Cash dividends to net income (ytd only)* | 43.1579% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 2,981 |
| Loan loss allowance to noncurrent loans | 564.4444% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 2,072 |
| Noncurrent loans to loans | 0.1939% | 2,496 |
| Net loans and leases to total assets | 92.7700% | 13 |
| Net loans and leases to deposits | 116.5099% | 120 |
| Net loans and leases to core deposits | 122.5558% | 463 |
| Total domestic deposits to total assets | 79.6200% | 3,627 |
| Equity capital to assets | 8.3688% | 2,975 |
| Core capital (leverage) ratio | 8.7268% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2341% | 2,815 |
| Memoranda: | ||
| Average total assets | $73,062,000 | 4,119 |
| Average earning assets | $70,527,000 | 4,072 |
| Average equity | $6,060,333 | 4,188 |
| Average total loans | $68,459,667 | 3,592 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 781 |
| Cost of funding earning assets | 1.1603% | 1,562 |
| Net interest margin | 4.1896% | 962 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.5278% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4676% | 1,245 |
| Return on assets (ROA) | 1.5012% | 1,163 |
| Pretax return on assets | 1.7165% | 1,242 |
| Return on Equity (ROE) | 18.1800% | 999 |
| Retained earnings to average equity (ytd only) | 13.4358% | 1,021 |
| Net charge-offs to loans | -0.0118% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1050% | 2,948 |
| Assets per employee ($millions) | 6.5576% | 2,302 |
| Cash dividends to net income (ytd only)* | 26.1029% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,001 |
| Loan loss allowance to noncurrent loans | 858.6207% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 2,363 |
| Noncurrent loans to loans | 0.1293% | 2,867 |
| Net loans and leases to total assets | 92.2700% | 15 |
| Net loans and leases to deposits | 113.7605% | 128 |
| Net loans and leases to core deposits | 117.0700% | 511 |
| Total domestic deposits to total assets | 81.1100% | 3,621 |
| Equity capital to assets | 8.4482% | 2,936 |
| Core capital (leverage) ratio | 8.5374% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4612% | 2,862 |
| Memoranda: | ||
| Average total assets | $72,473,000 | 4,179 |
| Average earning assets | $69,982,000 | 4,130 |
| Average equity | $5,984,000 | 4,244 |
| Average total loans | $67,874,000 | 3,643 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 302 |
| Cost of funding earning assets | 0.6168% | 838 |
| Net interest margin | 4.3761% | 362 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.4544% | 2,259 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.8765% | 369 |
| Return on assets (ROA) | 1.8804% | 354 |
| Pretax return on assets | 2.1053% | 375 |
| Return on Equity (ROE) | 23.3600% | 262 |
| Retained earnings to average equity (ytd only) | 17.8460% | 145 |
| Net charge-offs to loans | -0.0177% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.8849% | 3,898 |
| Assets per employee ($millions) | 5.2009% | 3,515 |
| Cash dividends to net income (ytd only)* | 23.6035% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 2,951 |
| Loan loss allowance to noncurrent loans | 716.3462% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 2,257 |
| Noncurrent loans to loans | 0.1520% | 2,736 |
| Net loans and leases to total assets | 92.9800% | 10 |
| Net loans and leases to deposits | 117.9082% | 80 |
| Net loans and leases to core deposits | 121.8470% | 340 |
| Total domestic deposits to total assets | 78.8500% | 4,017 |
| Equity capital to assets | 8.0674% | 3,023 |
| Core capital (leverage) ratio | 8.3719% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7744% | 2,997 |
| Memoranda: | ||
| Average total assets | $67,591,600 | 4,252 |
| Average earning assets | $65,172,200 | 4,203 |
| Average equity | $5,441,000 | 4,390 |
| Average total loans | $62,288,000 | 3,690 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 236 |
| Cost of funding earning assets | 0.5352% | 619 |
| Net interest margin | 4.3713% | 294 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.3232% | 2,561 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 2.1526% | 226 |
| Return on assets (ROA) | 2.1583% | 223 |
| Pretax return on assets | 2.2970% | 277 |
| Return on Equity (ROE) | 26.8300% | 139 |
| Retained earnings to average equity (ytd only) | 20.5767% | 92 |
| Net charge-offs to loans | -0.0373% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.2747% | 4,200 |
| Assets per employee ($millions) | 7.0092% | 1,935 |
| Cash dividends to net income (ytd only)* | 23.2992% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,848 |
| Loan loss allowance to noncurrent loans | 599.1935% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 2,131 |
| Noncurrent loans to loans | 0.1899% | 2,646 |
| Net loans and leases to total assets | 92.0900% | 11 |
| Net loans and leases to deposits | 112.9054% | 95 |
| Net loans and leases to core deposits | 113.9961% | 364 |
| Total domestic deposits to total assets | 81.5600% | 3,897 |
| Equity capital to assets | 8.1521% | 2,793 |
| Core capital (leverage) ratio | 8.4129% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1514% | 3,016 |
| Memoranda: | ||
| Average total assets | $66,286,500 | 4,293 |
| Average earning assets | $63,778,500 | 4,248 |
| Average equity | $5,332,750 | 4,437 |
| Average total loans | $60,749,500 | 3,732 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 230 |
| Cost of funding earning assets | 0.4877% | 554 |
| Net interest margin | 4.2836% | 284 |
| Noninterest income to average assets | 0.6983% | 1,343 |
| Noninterest expense to average assets | 2.3378% | 2,432 |
| Loan and lease loss provision to assets | 0.0615% | 1,490 |
| Net operating income to assets | 2.2645% | 143 |
| Return on assets (ROA) | 2.2732% | 142 |
| Pretax return on assets | 2.4147% | 187 |
| Return on Equity (ROE) | 28.3921% | 71 |
| Retained earnings to average equity (ytd only) | 22.4755% | 47 |
| Net charge-offs to loans | 0.0371% | 1,011 |
| Credit loss provision to net charge-offs | 181.8182% | 1,011 |
| Earnings coverage of net charge-offs (x) | 72.9091% | 980 |
| Efficiency ratio | 48.6556% | 4,325 |
| Assets per employee ($millions) | 5.9918% | 2,754 |
| Cash dividends to net income (ytd only)* | 20.8390% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 3,095 |
| Loan loss allowance to noncurrent loans | 503.6765% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 2,046 |
| Noncurrent loans to loans | 0.2219% | 2,614 |
| Net loans and leases to total assets | 91.9633% | 9 |
| Net loans and leases to deposits | 114.8256% | 62 |
| Net loans and leases to core deposits | 116.0235% | 244 |
| Total domestic deposits to total assets | 80.0895% | 4,218 |
| Equity capital to assets | 8.3523% | 2,872 |
| Core capital (leverage) ratio | 8.5952% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3010% | 2,972 |
| Memoranda: | ||
| Average total assets | $65,018,000 | 4,353 |
| Average earning assets | $62,330,333 | 4,319 |
| Average equity | $5,205,667 | 4,499 |
| Average total loans | $59,235,667 | 3,794 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 235 |
| Cost of funding earning assets | 0.4996% | 498 |
| Net interest margin | 4.1658% | 302 |
| Noninterest income to average assets | 0.1796% | 4,090 |
| Noninterest expense to average assets | 2.3540% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2490% | 1,124 |
| Return on assets (ROA) | 1.2637% | 1,071 |
| Pretax return on assets | 1.8212% | 524 |
| Return on Equity (ROE) | 15.9609% | 542 |
| Retained earnings to average equity (ytd only) | 8.2152% | 1,513 |
| Net charge-offs to loans | 0.0137% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 544 |
| Efficiency ratio | 56.6319% | 3,825 |
| Assets per employee ($millions) | 6.5336% | 2,352 |
| Cash dividends to net income (ytd only)* | 48.5294% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,139 |
| Loan loss allowance to noncurrent loans | 471.3287% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 2,080 |
| Noncurrent loans to loans | 0.2424% | 2,627 |
| Net loans and leases to total assets | 89.2525% | 19 |
| Net loans and leases to deposits | 111.8541% | 61 |
| Net loans and leases to core deposits | 113.0335% | 206 |
| Total domestic deposits to total assets | 79.7937% | 4,298 |
| Equity capital to assets | 7.8563% | 3,677 |
| Core capital (leverage) ratio | 8.0858% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9038% | 3,057 |
| Memoranda: | ||
| Average total assets | $64,572,000 | 4,384 |
| Average earning assets | $61,645,000 | 4,353 |
| Average equity | $5,112,500 | 4,555 |
| Average total loans | $58,204,500 | 3,821 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 672 |
| Cost of funding earning assets | 0.5702% | 632 |
| Net interest margin | 3.8636% | 893 |
| Noninterest income to average assets | 0.3109% | 3,546 |
| Noninterest expense to average assets | 2.5239% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4923% | 1,036 |
| Return on assets (ROA) | 1.4971% | 1,076 |
| Pretax return on assets | 1.4971% | 1,739 |
| Return on Equity (ROE) | 18.6628% | 402 |
| Retained earnings to average equity (ytd only) | 3.7564% | 3,313 |
| Net charge-offs to loans | 0.0101% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 187.2000% | 564 |
| Efficiency ratio | 62.8424% | 2,742 |
| Assets per employee ($millions) | 6.3808% | 2,423 |
| Cash dividends to net income (ytd only)* | 79.8722% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 2,985 |
| Loan loss allowance to noncurrent loans | 447.6821% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 2,115 |
| Noncurrent loans to loans | 0.2630% | 2,668 |
| Net loans and leases to total assets | 88.9309% | 22 |
| Net loans and leases to deposits | 113.2816% | 64 |
| Net loans and leases to core deposits | 114.5207% | 223 |
| Total domestic deposits to total assets | 78.5043% | 4,352 |
| Equity capital to assets | 7.9802% | 4,373 |
| Core capital (leverage) ratio | 8.0180% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0893% | 3,035 |
| Memoranda: | ||
| Average total assets | $62,721,000 | 4,418 |
| Average earning assets | $60,151,800 | 4,381 |
| Average equity | $5,031,400 | 4,631 |
| Average total loans | $49,546,800 | 4,008 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 861 |
| Cost of funding earning assets | 0.5856% | 683 |
| Net interest margin | 3.7805% | 1,160 |
| Noninterest income to average assets | 0.3117% | 3,566 |
| Noninterest expense to average assets | 2.5236% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4134% | 1,502 |
| Return on assets (ROA) | 1.4198% | 1,544 |
| Pretax return on assets | 1.4198% | 2,254 |
| Return on Equity (ROE) | 17.6754% | 667 |
| Retained earnings to average equity (ytd only) | 5.9804% | 2,826 |
| Net charge-offs to loans | 0.0168% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 818 |
| Efficiency ratio | 64.0998% | 2,373 |
| Assets per employee ($millions) | 6.3044% | 2,418 |
| Cash dividends to net income (ytd only)* | 66.1654% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,623 |
| Loan loss allowance to noncurrent loans | 409.0909% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 2,216 |
| Noncurrent loans to loans | 0.3111% | 2,677 |
| Net loans and leases to total assets | 83.0452% | 137 |
| Net loans and leases to deposits | 106.3391% | 128 |
| Net loans and leases to core deposits | 107.5184% | 381 |
| Total domestic deposits to total assets | 78.0947% | 4,417 |
| Equity capital to assets | 8.1578% | 4,435 |
| Core capital (leverage) ratio | 8.1350% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9323% | 2,982 |
| Memoranda: | ||
| Average total assets | $62,449,250 | 4,481 |
| Average earning assets | $59,884,000 | 4,446 |
| Average equity | $5,016,250 | 4,700 |
| Average total loans | $47,578,250 | 4,103 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 1,124 |
| Cost of funding earning assets | 0.5965% | 759 |
| Net interest margin | 3.6358% | 1,510 |
| Noninterest income to average assets | 0.3116% | 3,564 |
| Noninterest expense to average assets | 2.5028% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2948% | 1,881 |
| Return on assets (ROA) | 1.3044% | 1,926 |
| Pretax return on assets | 1.3044% | 2,621 |
| Return on Equity (ROE) | 16.3249% | 897 |
| Retained earnings to average equity (ytd only) | 3.9003% | 3,549 |
| Net charge-offs to loans | 0.0219% | 1,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 80.6000% | 838 |
| Efficiency ratio | 65.9052% | 2,172 |
| Assets per employee ($millions) | 6.2963% | 2,332 |
| Cash dividends to net income (ytd only)* | 76.1084% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,098 |
| Loan loss allowance to noncurrent loans | 381.9209% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 2,276 |
| Noncurrent loans to loans | 0.3593% | 2,611 |
| Net loans and leases to total assets | 77.1723% | 500 |
| Net loans and leases to deposits | 99.5513% | 268 |
| Net loans and leases to core deposits | 100.6609% | 644 |
| Total domestic deposits to total assets | 77.5201% | 4,475 |
| Equity capital to assets | 7.9650% | 4,555 |
| Core capital (leverage) ratio | 7.8470% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4910% | 2,857 |
| Memoranda: | ||
| Average total assets | $62,251,000 | 4,513 |
| Average earning assets | $59,684,667 | 4,477 |
| Average equity | $4,974,000 | 4,730 |
| Average total loans | $45,761,000 | 4,159 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 1,232 |
| Cost of funding earning assets | 0.6194% | 801 |
| Net interest margin | 3.5615% | 1,674 |
| Noninterest income to average assets | 0.2585% | 3,854 |
| Noninterest expense to average assets | 2.5721% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1051% | 2,459 |
| Return on assets (ROA) | 1.1245% | 2,475 |
| Pretax return on assets | 1.1245% | 3,052 |
| Return on Equity (ROE) | 14.0507% | 1,421 |
| Retained earnings to average equity (ytd only) | 5.7333% | 2,993 |
| Net charge-offs to loans | 0.0636% | 896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,177 |
| Efficiency ratio | 69.9473% | 1,708 |
| Assets per employee ($millions) | 6.4863% | 2,187 |
| Cash dividends to net income (ytd only)* | 59.1954% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,503 |
| Loan loss allowance to noncurrent loans | 211.2853% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 1,759 |
| Noncurrent loans to loans | 0.7246% | 1,793 |
| Net loans and leases to total assets | 66.8301% | 1,682 |
| Net loans and leases to deposits | 86.2046% | 951 |
| Net loans and leases to core deposits | 87.5770% | 1,403 |
| Total domestic deposits to total assets | 77.5249% | 4,478 |
| Equity capital to assets | 7.6916% | 4,641 |
| Core capital (leverage) ratio | 8.0743% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8511% | 2,343 |
| Memoranda: | ||
| Average total assets | $61,895,000 | 4,533 |
| Average earning assets | $59,414,000 | 4,496 |
| Average equity | $4,953,500 | 4,751 |
| Average total loans | $44,008,500 | 4,206 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 357 |
| Cost of funding earning assets | 0.8280% | 1,097 |
| Net interest margin | 4.3355% | 474 |
| Noninterest income to average assets | 0.3116% | 3,612 |
| Noninterest expense to average assets | 2.7157% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.7208% | 471 |
| Return on assets (ROA) | 1.7261% | 504 |
| Pretax return on assets | 1.7261% | 809 |
| Return on Equity (ROE) | 20.8735% | 195 |
| Retained earnings to average equity (ytd only) | 5.2879% | 2,146 |
| Net charge-offs to loans | -0.4027% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2131% | 3,275 |
| Assets per employee ($millions) | 5.8927% | 2,443 |
| Cash dividends to net income (ytd only)* | 74.6667% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,429 |
| Loan loss allowance to noncurrent loans | 301.7699% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 2,272 |
| Noncurrent loans to loans | 0.5137% | 2,434 |
| Net loans and leases to total assets | 73.5028% | 1,090 |
| Net loans and leases to deposits | 97.5474% | 480 |
| Net loans and leases to core deposits | 99.3030% | 938 |
| Total domestic deposits to total assets | 75.3509% | 4,548 |
| Equity capital to assets | 8.3459% | 4,554 |
| Core capital (leverage) ratio | 8.2968% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5546% | 2,422 |
| Memoranda: | ||
| Average total assets | $56,485,600 | 4,562 |
| Average earning assets | $53,742,600 | 4,529 |
| Average equity | $4,671,000 | 4,788 |
| Average total loans | $45,686,800 | 4,192 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 399 |
| Cost of funding earning assets | 0.8711% | 1,170 |
| Net interest margin | 4.3506% | 525 |
| Noninterest income to average assets | 0.3317% | 3,500 |
| Noninterest expense to average assets | 2.6487% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8183% | 432 |
| Return on assets (ROA) | 1.8254% | 476 |
| Pretax return on assets | 1.8254% | 746 |
| Return on Equity (ROE) | 22.1289% | 174 |
| Retained earnings to average equity (ytd only) | 1.0703% | 4,236 |
| Net charge-offs to loans | -0.2169% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2949% | 3,485 |
| Assets per employee ($millions) | 4.7812% | 3,509 |
| Cash dividends to net income (ytd only)* | 95.1634% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,210 |
| Loan loss allowance to noncurrent loans | 76.1651% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 667 |
| Noncurrent loans to loans | 1.6901% | 812 |
| Net loans and leases to total assets | 76.4493% | 1,041 |
| Net loans and leases to deposits | 102.0782% | 451 |
| Net loans and leases to core deposits | 103.9704% | 926 |
| Total domestic deposits to total assets | 74.8928% | 4,509 |
| Equity capital to assets | 8.2058% | 4,634 |
| Core capital (leverage) ratio | 8.2108% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7835% | 2,690 |
| Memoranda: | ||
| Average total assets | $55,875,250 | 4,588 |
| Average earning assets | $53,110,500 | 4,556 |
| Average equity | $4,609,250 | 4,815 |
| Average total loans | $46,109,750 | 4,203 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 483 |
| Cost of funding earning assets | 0.9011% | 1,370 |
| Net interest margin | 4.3992% | 617 |
| Noninterest income to average assets | 0.2600% | 3,915 |
| Noninterest expense to average assets | 2.5643% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8745% | 422 |
| Return on assets (ROA) | 1.8745% | 468 |
| Pretax return on assets | 1.8745% | 704 |
| Return on Equity (ROE) | 22.6819% | 146 |
| Retained earnings to average equity (ytd only) | -0.1311% | 4,332 |
| Net charge-offs to loans | -0.2957% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7705% | 3,725 |
| Assets per employee ($millions) | 4.1677% | 4,137 |
| Cash dividends to net income (ytd only)* | 100.5780% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,411 |
| Loan loss allowance to noncurrent loans | 135.4067% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8638% | 1,438 |
| Noncurrent loans to loans | 0.9018% | 1,699 |
| Net loans and leases to total assets | 78.4706% | 792 |
| Net loans and leases to deposits | 104.0969% | 374 |
| Net loans and leases to core deposits | 110.5355% | 720 |
| Total domestic deposits to total assets | 75.3822% | 4,485 |
| Equity capital to assets | 8.0054% | 4,715 |
| Core capital (leverage) ratio | 8.5167% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0558% | 2,952 |
| Memoranda: | ||
| Average total assets | $55,375,667 | 4,606 |
| Average earning assets | $52,600,333 | 4,576 |
| Average equity | $4,576,333 | 4,846 |
| Average total loans | $46,668,333 | 4,198 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 364 |
| Cost of funding earning assets | 0.9402% | 1,687 |
| Net interest margin | 4.5834% | 427 |
| Noninterest income to average assets | 0.2449% | 4,094 |
| Noninterest expense to average assets | 2.8800% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7072% | 509 |
| Return on assets (ROA) | 1.7072% | 559 |
| Pretax return on assets | 1.7072% | 847 |
| Return on Equity (ROE) | 20.3135% | 154 |
| Retained earnings to average equity (ytd only) | -25.7894% | 5,017 |
| Net charge-offs to loans | -0.5809% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7832% | 3,405 |
| Assets per employee ($millions) | 3.9683% | 3,955 |
| Cash dividends to net income (ytd only)* | 226.9565% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,544 |
| Loan loss allowance to noncurrent loans | 140.1985% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 1,517 |
| Noncurrent loans to loans | 0.8724% | 1,865 |
| Net loans and leases to total assets | 82.1351% | 425 |
| Net loans and leases to deposits | 111.8051% | 163 |
| Net loans and leases to core deposits | 118.5036% | 515 |
| Total domestic deposits to total assets | 73.4628% | 4,692 |
| Equity capital to assets | 7.8911% | 4,991 |
| Core capital (leverage) ratio | 8.3429% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3526% | 3,262 |
| Memoranda: | ||
| Average total assets | $53,889,500 | 4,648 |
| Average earning assets | $51,053,500 | 4,619 |
| Average equity | $4,529,000 | 4,892 |
| Average total loans | $46,826,500 | 4,211 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9149% | 256 |
| Cost of funding earning assets | 0.9848% | 1,789 |
| Net interest margin | 4.9301% | 309 |
| Noninterest income to average assets | 0.3245% | 3,749 |
| Noninterest expense to average assets | 2.6454% | 3,046 |
| Loan and lease loss provision to assets | 0.1803% | 1,153 |
| Net operating income to assets | 2.1634% | 240 |
| Return on assets (ROA) | 2.1634% | 251 |
| Pretax return on assets | 2.1634% | 410 |
| Return on Equity (ROE) | 23.0583% | 110 |
| Retained earnings to average equity (ytd only) | -14.8261% | 5,113 |
| Net charge-offs to loans | 0.1088% | 1,643 |
| Credit loss provision to net charge-offs | 186.2745% | 1,419 |
| Earnings coverage of net charge-offs (x) | 24.2157% | 1,784 |
| Efficiency ratio | 53.0240% | 4,517 |
| Assets per employee ($millions) | 4.0172% | 3,879 |
| Cash dividends to net income (ytd only)* | 164.2982% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,248 |
| Loan loss allowance to noncurrent loans | 280.2260% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 2,401 |
| Noncurrent loans to loans | 0.3730% | 3,106 |
| Net loans and leases to total assets | 89.9240% | 47 |
| Net loans and leases to deposits | 114.8809% | 121 |
| Net loans and leases to core deposits | 121.7395% | 434 |
| Total domestic deposits to total assets | 78.2759% | 4,314 |
| Equity capital to assets | 8.9501% | 4,711 |
| Core capital (leverage) ratio | 8.7257% | 4,712 |
| Tier 1 risk-based capital ratio | 10.5881% | 4,995 |
| Total risk-based capital ratio | 11.7117% | 4,959 |
| Memoranda: | ||
| Average total assets | $52,696,000 | 4,709 |
| Average earning assets | $49,857,200 | 4,675 |
| Average equity | $4,944,000 | 4,887 |
| Average total loans | $46,896,000 | 4,240 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 337 |
| Cost of funding earning assets | 0.9569% | 1,959 |
| Net interest margin | 4.8699% | 366 |
| Noninterest income to average assets | 0.3383% | 3,709 |
| Noninterest expense to average assets | 2.6078% | 3,147 |
| Loan and lease loss provision to assets | 0.2398% | 692 |
| Net operating income to assets | 2.1029% | 317 |
| Return on assets (ROA) | 2.1029% | 327 |
| Pretax return on assets | 2.1029% | 543 |
| Return on Equity (ROE) | 22.1618% | 157 |
| Retained earnings to average equity (ytd only) | -22.3480% | 5,217 |
| Net charge-offs to loans | 0.1568% | 1,057 |
| Credit loss provision to net charge-offs | 172.7273% | 1,476 |
| Earnings coverage of net charge-offs (x) | 16.8730% | 2,121 |
| Efficiency ratio | 52.6772% | 4,543 |
| Assets per employee ($millions) | 4.2121% | 3,596 |
| Cash dividends to net income (ytd only)* | 200.8401% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,536 |
| Loan loss allowance to noncurrent loans | 106.7100% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 1,342 |
| Noncurrent loans to loans | 0.9427% | 1,708 |
| Net loans and leases to total assets | 88.5969% | 75 |
| Net loans and leases to deposits | 111.5934% | 188 |
| Net loans and leases to core deposits | 123.3298% | 427 |
| Total domestic deposits to total assets | 79.3926% | 4,099 |
| Equity capital to assets | 8.3405% | 5,052 |
| Core capital (leverage) ratio | 8.3966% | 4,985 |
| Tier 1 risk-based capital ratio | 10.0411% | 5,184 |
| Total risk-based capital ratio | 11.1250% | 5,170 |
| Memoranda: | ||
| Average total assets | $52,814,250 | 4,775 |
| Average earning assets | $50,020,500 | 4,740 |
| Average equity | $5,011,500 | 4,946 |
| Average total loans | $46,755,750 | 4,293 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7427% | 366 |
| Cost of funding earning assets | 0.8857% | 2,218 |
| Net interest margin | 4.8570% | 368 |
| Noninterest income to average assets | 0.2952% | 3,963 |
| Noninterest expense to average assets | 2.5227% | 3,406 |
| Loan and lease loss provision to assets | 0.3642% | 347 |
| Net operating income to assets | 2.0128% | 376 |
| Return on assets (ROA) | 2.0128% | 400 |
| Pretax return on assets | 2.0128% | 665 |
| Return on Equity (ROE) | 20.3501% | 234 |
| Retained earnings to average equity (ytd only) | -39.9250% | 5,285 |
| Net charge-offs to loans | 0.2434% | 694 |
| Credit loss provision to net charge-offs | 169.6429% | 1,366 |
| Earnings coverage of net charge-offs (x) | 11.0714% | 2,225 |
| Efficiency ratio | 51.4867% | 4,686 |
| Assets per employee ($millions) | 4.1445% | 3,658 |
| Cash dividends to net income (ytd only)* | 296.1905% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,394 |
| Loan loss allowance to noncurrent loans | 559.0909% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 3,242 |
| Noncurrent loans to loans | 0.1859% | 3,889 |
| Net loans and leases to total assets | 86.9634% | 156 |
| Net loans and leases to deposits | 110.2211% | 212 |
| Net loans and leases to core deposits | 118.7736% | 583 |
| Total domestic deposits to total assets | 78.8990% | 4,242 |
| Equity capital to assets | 8.1219% | 5,155 |
| Core capital (leverage) ratio | 8.3294% | 5,047 |
| Tier 1 risk-based capital ratio | 9.5967% | 5,267 |
| Total risk-based capital ratio | 10.6757% | 5,265 |
| Memoranda: | ||
| Average total assets | $52,166,670 | 4,817 |
| Average earning assets | $49,454,330 | 4,782 |
| Average equity | $5,159,670 | 4,963 |
| Average total loans | $46,005,670 | 4,345 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6485% | 395 |
| Cost of funding earning assets | 0.8304% | 2,367 |
| Net interest margin | 4.8181% | 389 |
| Noninterest income to average assets | 0.2651% | 4,111 |
| Noninterest expense to average assets | 2.5726% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2607% | 239 |
| Return on assets (ROA) | 2.2607% | 249 |
| Pretax return on assets | 2.2607% | 388 |
| Return on Equity (ROE) | 20.8953% | 215 |
| Retained earnings to average equity (ytd only) | 20.8953% | 86 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2258% | 4,602 |
| Assets per employee ($millions) | 4.3090% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,781 |
| Loan loss allowance to noncurrent loans | 144.2675% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 1,825 |
| Noncurrent loans to loans | 0.6848% | 2,307 |
| Net loans and leases to total assets | 87.8046% | 106 |
| Net loans and leases to deposits | 112.5009% | 170 |
| Net loans and leases to core deposits | 131.5695% | 290 |
| Total domestic deposits to total assets | 78.0479% | 4,509 |
| Equity capital to assets | 11.0176% | 2,835 |
| Core capital (leverage) ratio | 11.4524% | 2,167 |
| Tier 1 risk-based capital ratio | 13.1002% | 3,826 |
| Total risk-based capital ratio | 14.1418% | 3,831 |
| Memoranda: | ||
| Average total assets | $51,310,500 | 4,880 |
| Average earning assets | $48,650,000 | 4,843 |
| Average equity | $5,551,500 | 4,953 |
| Average total loans | $45,335,000 | 4,404 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8805% | 205 |
| Cost of funding earning assets | 0.7158% | 1,990 |
| Net interest margin | 5.1647% | 201 |
| Noninterest income to average assets | 0.4513% | 3,095 |
| Noninterest expense to average assets | 2.6271% | 3,253 |
| Loan and lease loss provision to assets | 0.1410% | 1,524 |
| Net operating income to assets | 2.5384% | 141 |
| Return on assets (ROA) | 2.5384% | 140 |
| Pretax return on assets | 2.5384% | 194 |
| Return on Equity (ROE) | 24.6084% | 97 |
| Retained earnings to average equity (ytd only) | 9.4137% | 754 |
| Net charge-offs to loans | 0.2996% | 646 |
| Credit loss provision to net charge-offs | 52.6316% | 3,161 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,765 |
| Efficiency ratio | 49.5065% | 4,967 |
| Assets per employee ($millions) | 4.2428% | 3,552 |
| Cash dividends to net income (ytd only)* | 61.7460% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,613 |
| Loan loss allowance to noncurrent loans | 139.8148% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 1,985 |
| Noncurrent loans to loans | 0.7230% | 2,182 |
| Net loans and leases to total assets | 87.1330% | 163 |
| Net loans and leases to deposits | 111.3448% | 219 |
| Net loans and leases to core deposits | 120.4933% | 528 |
| Total domestic deposits to total assets | 78.2551% | 4,448 |
| Equity capital to assets | 10.6181% | 3,062 |
| Core capital (leverage) ratio | 10.5836% | 2,948 |
| Tier 1 risk-based capital ratio | 12.6037% | 4,073 |
| Total risk-based capital ratio | 13.6599% | 4,061 |
| Memoranda: | ||
| Average total assets | $49,637,000 | 4,944 |
| Average earning assets | $46,663,000 | 4,920 |
| Average equity | $5,120,200 | 5,036 |
| Average total loans | $44,385,800 | 4,444 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8234% | 209 |
| Cost of funding earning assets | 0.6474% | 2,167 |
| Net interest margin | 5.1761% | 187 |
| Noninterest income to average assets | 0.5056% | 2,835 |
| Noninterest expense to average assets | 2.7927% | 2,659 |
| Loan and lease loss provision to assets | 0.1622% | 1,185 |
| Net operating income to assets | 2.4142% | 182 |
| Return on assets (ROA) | 2.4142% | 183 |
| Pretax return on assets | 2.4142% | 276 |
| Return on Equity (ROE) | 23.5829% | 113 |
| Retained earnings to average equity (ytd only) | 8.5564% | 1,393 |
| Net charge-offs to loans | 0.3674% | 444 |
| Credit loss provision to net charge-offs | 49.1803% | 2,836 |
| Earnings coverage of net charge-offs (x) | 7.8116% | 2,772 |
| Efficiency ratio | 52.0141% | 4,810 |
| Assets per employee ($millions) | 4.2267% | 3,535 |
| Cash dividends to net income (ytd only)* | 63.7178% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,939 |
| Loan loss allowance to noncurrent loans | 78.5467% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 1,164 |
| Noncurrent loans to loans | 1.2356% | 1,362 |
| Net loans and leases to total assets | 91.3308% | 39 |
| Net loans and leases to deposits | 120.4916% | 98 |
| Net loans and leases to core deposits | 125.4618% | 427 |
| Total domestic deposits to total assets | 75.7985% | 4,810 |
| Equity capital to assets | 10.3490% | 3,285 |
| Core capital (leverage) ratio | 10.4896% | 3,095 |
| Tier 1 risk-based capital ratio | 11.7270% | 4,646 |
| Total risk-based capital ratio | 12.7413% | 4,680 |
| Memoranda: | ||
| Average total assets | $49,318,000 | 5,003 |
| Average earning assets | $46,340,500 | 4,980 |
| Average equity | $5,048,750 | 5,102 |
| Average total loans | $44,278,500 | 4,497 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 209 |
| Cost of funding earning assets | 0.5707% | 2,429 |
| Net interest margin | 5.1970% | 169 |
| Noninterest income to average assets | 0.5281% | 2,705 |
| Noninterest expense to average assets | 2.9396% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4728% | 157 |
| Return on assets (ROA) | 2.4728% | 156 |
| Pretax return on assets | 2.4728% | 237 |
| Return on Equity (ROE) | 24.2473% | 103 |
| Retained earnings to average equity (ytd only) | 1.4051% | 4,663 |
| Net charge-offs to loans | 0.5616% | 261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.9508% | 2,753 |
| Efficiency ratio | 54.3116% | 4,659 |
| Assets per employee ($millions) | 4.0649% | 3,793 |
| Cash dividends to net income (ytd only)* | 94.2053% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,475 |
| Loan loss allowance to noncurrent loans | 65.2318% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7713% | 672 |
| Noncurrent loans to loans | 1.3332% | 1,275 |
| Net loans and leases to total assets | 92.0663% | 25 |
| Net loans and leases to deposits | 124.8686% | 71 |
| Net loans and leases to core deposits | 124.8686% | 438 |
| Total domestic deposits to total assets | 73.7305% | 5,070 |
| Equity capital to assets | 10.1683% | 3,465 |
| Core capital (leverage) ratio | 10.2390% | 3,305 |
| Tier 1 risk-based capital ratio | 11.1931% | 4,950 |
| Total risk-based capital ratio | 12.0822% | 5,029 |
| Memoranda: | ||
| Average total assets | $48,850,670 | 5,070 |
| Average earning assets | $45,911,000 | 5,045 |
| Average equity | $4,982,000 | 5,166 |
| Average total loans | $43,445,670 | 4,558 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 495 |
| Cost of funding earning assets | 0.5244% | 2,593 |
| Net interest margin | 4.6671% | 431 |
| Noninterest income to average assets | 0.3600% | 3,736 |
| Noninterest expense to average assets | 3.0520% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6774% | 715 |
| Return on assets (ROA) | 1.6774% | 724 |
| Pretax return on assets | 1.6774% | 1,176 |
| Return on Equity (ROE) | 16.4230% | 564 |
| Retained earnings to average equity (ytd only) | 10.8953% | 918 |
| Net charge-offs to loans | 0.2916% | 526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.6129% | 2,146 |
| Efficiency ratio | 64.5329% | 3,397 |
| Assets per employee ($millions) | 4.0428% | 3,905 |
| Cash dividends to net income (ytd only)* | 33.6585% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,989 |
| Loan loss allowance to noncurrent loans | 38.0691% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 3.3043% | 222 |
| Noncurrent loans to loans | 3.0667% | 388 |
| Net loans and leases to total assets | 84.6330% | 373 |
| Net loans and leases to deposits | 109.8042% | 263 |
| Net loans and leases to core deposits | 109.8042% | 1,019 |
| Total domestic deposits to total assets | 77.0762% | 4,849 |
| Equity capital to assets | 10.4323% | 3,141 |
| Core capital (leverage) ratio | 10.5319% | 2,907 |
| Tier 1 risk-based capital ratio | 12.3602% | 4,338 |
| Total risk-based capital ratio | 13.5447% | 4,274 |
| Memoranda: | ||
| Average total assets | $48,886,500 | 5,126 |
| Average earning assets | $45,767,000 | 5,116 |
| Average equity | $4,993,000 | 5,222 |
| Average total loans | $42,517,000 | 4,626 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 362 |
| Cost of funding earning assets | 0.5842% | 1,715 |
| Net interest margin | 4.7235% | 403 |
| Noninterest income to average assets | 0.2556% | 4,606 |
| Noninterest expense to average assets | 2.9355% | 2,327 |
| Loan and lease loss provision to assets | 0.0412% | 3,439 |
| Net operating income to assets | 1.7605% | 470 |
| Return on assets (ROA) | 1.7605% | 474 |
| Pretax return on assets | 1.7625% | 872 |
| Return on Equity (ROE) | 17.9419% | 311 |
| Retained earnings to average equity (ytd only) | 6.5969% | 1,232 |
| Net charge-offs to loans | 0.0118% | 3,670 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 437 |
| Efficiency ratio | 61.9400% | 3,948 |
| Assets per employee ($millions) | 4.1050% | 3,805 |
| Cash dividends to net income (ytd only)* | 63.2319% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,853 |
| Loan loss allowance to noncurrent loans | 42.7506% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.1486% | 244 |
| Noncurrent loans to loans | 2.7753% | 431 |
| Net loans and leases to total assets | 87.2412% | 174 |
| Net loans and leases to deposits | 112.2972% | 210 |
| Net loans and leases to core deposits | 116.8783% | 694 |
| Total domestic deposits to total assets | 77.6878% | 4,762 |
| Equity capital to assets | 9.9980% | 3,710 |
| Core capital (leverage) ratio | 9.8614% | 3,621 |
| Tier 1 risk-based capital ratio | 11.5921% | 4,797 |
| Total risk-based capital ratio | 12.8066% | 4,710 |
| Memoranda: | ||
| Average total assets | $48,509,400 | 5,183 |
| Average earning assets | $46,046,800 | 5,149 |
| Average equity | $4,759,800 | 5,311 |
| Average total loans | $42,455,800 | 4,657 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 383 |
| Cost of funding earning assets | 0.5709% | 1,734 |
| Net interest margin | 4.6746% | 425 |
| Noninterest income to average assets | 0.3063% | 4,339 |
| Noninterest expense to average assets | 2.6957% | 3,080 |
| Loan and lease loss provision to assets | 0.0552% | 2,988 |
| Net operating income to assets | 2.0032% | 315 |
| Return on assets (ROA) | 2.0032% | 320 |
| Pretax return on assets | 2.0059% | 539 |
| Return on Equity (ROE) | 20.5146% | 201 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,711 |
| Net charge-offs to loans | 0.0158% | 3,207 |
| Credit loss provision to net charge-offs | 400.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 149.3223% | 537 |
| Efficiency ratio | 56.6705% | 4,653 |
| Assets per employee ($millions) | 4.1153% | 3,795 |
| Cash dividends to net income (ytd only)* | 74.3796% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,167 |
| Loan loss allowance to noncurrent loans | 37.1758% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9443% | 308 |
| Noncurrent loans to loans | 3.1109% | 391 |
| Net loans and leases to total assets | 89.3042% | 104 |
| Net loans and leases to deposits | 120.7050% | 91 |
| Net loans and leases to core deposits | 120.7050% | 567 |
| Total domestic deposits to total assets | 73.9855% | 5,238 |
| Equity capital to assets | 9.7116% | 4,235 |
| Core capital (leverage) ratio | 9.5325% | 4,120 |
| Tier 1 risk-based capital ratio | 11.1297% | 5,172 |
| Total risk-based capital ratio | 12.3271% | 5,091 |
| Memoranda: | ||
| Average total assets | $48,321,750 | 5,241 |
| Average earning assets | $46,006,000 | 5,205 |
| Average equity | $4,718,500 | 5,374 |
| Average total loans | $42,197,000 | 4,711 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 486 |
| Cost of funding earning assets | 0.5383% | 1,853 |
| Net interest margin | 4.5513% | 513 |
| Noninterest income to average assets | 0.3210% | 4,257 |
| Noninterest expense to average assets | 2.6726% | 3,188 |
| Loan and lease loss provision to assets | 0.0834% | 2,318 |
| Net operating income to assets | 1.8971% | 378 |
| Return on assets (ROA) | 1.8971% | 387 |
| Pretax return on assets | 1.9013% | 648 |
| Return on Equity (ROE) | 19.3919% | 247 |
| Retained earnings to average equity (ytd only) | 1.4917% | 4,650 |
| Net charge-offs to loans | 0.0097% | 3,118 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 356 |
| Efficiency ratio | 57.3859% | 4,666 |
| Assets per employee ($millions) | 4.1390% | 3,728 |
| Cash dividends to net income (ytd only)* | 92.3077% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,175 |
| Loan loss allowance to noncurrent loans | 36.5493% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.9919% | 307 |
| Noncurrent loans to loans | 3.2110% | 383 |
| Net loans and leases to total assets | 87.9923% | 146 |
| Net loans and leases to deposits | 118.2980% | 115 |
| Net loans and leases to core deposits | 118.2980% | 628 |
| Total domestic deposits to total assets | 74.3819% | 5,261 |
| Equity capital to assets | 9.3541% | 4,562 |
| Core capital (leverage) ratio | 9.6681% | 3,936 |
| Tier 1 risk-based capital ratio | 10.9038% | 5,306 |
| Total risk-based capital ratio | 12.1219% | 5,236 |
| Memoranda: | ||
| Average total assets | $47,967,670 | 5,292 |
| Average earning assets | $45,701,000 | 5,246 |
| Average equity | $4,692,670 | 5,418 |
| Average total loans | $41,390,000 | 4,763 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 496 |
| Cost of funding earning assets | 0.5434% | 1,761 |
| Net interest margin | 4.4896% | 532 |
| Noninterest income to average assets | 0.3141% | 4,303 |
| Noninterest expense to average assets | 2.8100% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7828% | 462 |
| Return on assets (ROA) | 1.7828% | 475 |
| Pretax return on assets | 1.7828% | 828 |
| Return on Equity (ROE) | 17.8117% | 354 |
| Retained earnings to average equity (ytd only) | 17.8117% | 143 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1830% | 4,288 |
| Assets per employee ($millions) | 4.3547% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,735 |
| Loan loss allowance to noncurrent loans | 34.3151% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.1126% | 307 |
| Noncurrent loans to loans | 3.6823% | 312 |
| Net loans and leases to total assets | 81.7252% | 598 |
| Net loans and leases to deposits | 105.7054% | 330 |
| Net loans and leases to core deposits | 105.7054% | 1,123 |
| Total domestic deposits to total assets | 77.3141% | 5,074 |
| Equity capital to assets | 10.0643% | 3,674 |
| Core capital (leverage) ratio | 10.0019% | 3,493 |
| Tier 1 risk-based capital ratio | 12.6366% | 4,304 |
| Total risk-based capital ratio | 13.8869% | 4,211 |
| Memoranda: | ||
| Average total assets | $47,117,500 | 5,366 |
| Average earning assets | $44,904,000 | 5,323 |
| Average equity | $4,716,000 | 5,474 |
| Average total loans | $39,973,500 | 4,851 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 285 |
| Cost of funding earning assets | 0.5243% | 1,908 |
| Net interest margin | 4.8824% | 300 |
| Noninterest income to average assets | 0.3023% | 4,581 |
| Noninterest expense to average assets | 2.8116% | 2,983 |
| Loan and lease loss provision to assets | 0.0889% | 2,586 |
| Net operating income to assets | 2.0381% | 293 |
| Return on assets (ROA) | 2.0381% | 304 |
| Pretax return on assets | 2.0381% | 456 |
| Return on Equity (ROE) | 19.7425% | 219 |
| Retained earnings to average equity (ytd only) | 1.8300% | 4,487 |
| Net charge-offs to loans | 0.0771% | 2,588 |
| Credit loss provision to net charge-offs | 129.0323% | 2,074 |
| Earnings coverage of net charge-offs (x) | 30.8710% | 1,410 |
| Efficiency ratio | 56.9307% | 4,959 |
| Assets per employee ($millions) | 4.2121% | 3,602 |
| Cash dividends to net income (ytd only)* | 90.7306% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,859 |
| Loan loss allowance to noncurrent loans | 50.4024% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.2122% | 591 |
| Noncurrent loans to loans | 2.4666% | 640 |
| Net loans and leases to total assets | 85.8934% | 236 |
| Net loans and leases to deposits | 111.4699% | 194 |
| Net loans and leases to core deposits | 111.4699% | 807 |
| Total domestic deposits to total assets | 77.0552% | 5,113 |
| Equity capital to assets | 9.9519% | 3,767 |
| Core capital (leverage) ratio | 9.7480% | 3,804 |
| Tier 1 risk-based capital ratio | 12.0291% | 4,709 |
| Total risk-based capital ratio | 13.2787% | 4,594 |
| Memoranda: | ||
| Average total assets | $44,992,000 | 5,440 |
| Average earning assets | $42,724,600 | 5,407 |
| Average equity | $4,644,800 | 5,534 |
| Average total loans | $40,183,800 | 4,877 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 297 |
| Cost of funding earning assets | 0.5131% | 1,990 |
| Net interest margin | 4.8851% | 314 |
| Noninterest income to average assets | 0.3165% | 4,506 |
| Noninterest expense to average assets | 2.8782% | 2,707 |
| Loan and lease loss provision to assets | 0.1194% | 1,942 |
| Net operating income to assets | 1.9526% | 367 |
| Return on assets (ROA) | 1.9526% | 387 |
| Pretax return on assets | 1.9526% | 635 |
| Return on Equity (ROE) | 18.7392% | 316 |
| Retained earnings to average equity (ytd only) | -1.2320% | 5,518 |
| Net charge-offs to loans | 0.0199% | 3,302 |
| Credit loss provision to net charge-offs | 666.6667% | 580 |
| Earnings coverage of net charge-offs (x) | 115.6638% | 586 |
| Efficiency ratio | 58.1423% | 4,794 |
| Assets per employee ($millions) | 4.2123% | 3,572 |
| Cash dividends to net income (ytd only)* | 106.5747% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,659 |
| Loan loss allowance to noncurrent loans | 35.9044% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 3.2287% | 335 |
| Noncurrent loans to loans | 3.6347% | 341 |
| Net loans and leases to total assets | 85.8530% | 262 |
| Net loans and leases to deposits | 111.2727% | 235 |
| Net loans and leases to core deposits | 111.2727% | 849 |
| Total domestic deposits to total assets | 77.1555% | 5,054 |
| Equity capital to assets | 9.6773% | 4,488 |
| Core capital (leverage) ratio | 9.6612% | 3,984 |
| Tier 1 risk-based capital ratio | 11.6032% | 5,031 |
| Total risk-based capital ratio | 12.8533% | 4,938 |
| Memoranda: | ||
| Average total assets | $44,656,750 | 5,502 |
| Average earning assets | $42,359,250 | 5,472 |
| Average equity | $4,653,250 | 5,588 |
| Average total loans | $40,155,250 | 4,917 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 306 |
| Cost of funding earning assets | 0.4968% | 2,124 |
| Net interest margin | 4.8866% | 325 |
| Noninterest income to average assets | 0.3266% | 4,445 |
| Noninterest expense to average assets | 2.8573% | 2,816 |
| Loan and lease loss provision to assets | 0.1814% | 1,202 |
| Net operating income to assets | 1.9276% | 380 |
| Return on assets (ROA) | 1.9276% | 397 |
| Pretax return on assets | 1.9276% | 661 |
| Return on Equity (ROE) | 18.0480% | 352 |
| Retained earnings to average equity (ytd only) | 13.5891% | 208 |
| Net charge-offs to loans | 0.0150% | 3,235 |
| Credit loss provision to net charge-offs | 1,333.3333% | 297 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 399 |
| Efficiency ratio | 57.5342% | 4,968 |
| Assets per employee ($millions) | 3.9442% | 4,008 |
| Cash dividends to net income (ytd only)* | 24.7059% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,698 |
| Loan loss allowance to noncurrent loans | 53.7602% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.3395% | 631 |
| Noncurrent loans to loans | 2.4479% | 729 |
| Net loans and leases to total assets | 91.4304% | 30 |
| Net loans and leases to deposits | 115.0965% | 163 |
| Net loans and leases to core deposits | 115.0965% | 675 |
| Total domestic deposits to total assets | 79.4381% | 4,685 |
| Equity capital to assets | 11.1718% | 2,876 |
| Core capital (leverage) ratio | 10.9961% | 2,432 |
| Tier 1 risk-based capital ratio | 12.5437% | 4,486 |
| Total risk-based capital ratio | 13.7939% | 4,402 |
| Memoranda: | ||
| Average total assets | $44,097,330 | 5,578 |
| Average earning assets | $41,870,000 | 5,544 |
| Average equity | $4,709,670 | 5,639 |
| Average total loans | $40,105,000 | 4,967 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2452% | 388 |
| Cost of funding earning assets | 0.5122% | 2,006 |
| Net interest margin | 4.7331% | 405 |
| Noninterest income to average assets | 0.3059% | 4,538 |
| Noninterest expense to average assets | 2.7805% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0156% | 323 |
| Return on assets (ROA) | 2.0156% | 336 |
| Pretax return on assets | 2.0156% | 545 |
| Return on Equity (ROE) | 19.3062% | 274 |
| Retained earnings to average equity (ytd only) | 19.3062% | 105 |
| Net charge-offs to loans | -0.0100% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9737% | 5,001 |
| Assets per employee ($millions) | 4.0773% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 3,246 |
| Loan loss allowance to noncurrent loans | 79.1332% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 1,416 |
| Noncurrent loans to loans | 1.5688% | 1,483 |
| Net loans and leases to total assets | 87.4470% | 147 |
| Net loans and leases to deposits | 107.0181% | 307 |
| Net loans and leases to core deposits | 111.5853% | 776 |
| Total domestic deposits to total assets | 81.7124% | 4,304 |
| Equity capital to assets | 10.5953% | 3,381 |
| Core capital (leverage) ratio | 10.4974% | 2,966 |
| Tier 1 risk-based capital ratio | 12.4793% | 4,588 |
| Total risk-based capital ratio | 13.7296% | 4,503 |
| Memoranda: | ||
| Average total assets | $44,453,000 | 5,629 |
| Average earning assets | $42,171,500 | 5,591 |
| Average equity | $4,641,000 | 5,695 |
| Average total loans | $40,059,000 | 5,004 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 305 |
| Cost of funding earning assets | 0.5240% | 1,965 |
| Net interest margin | 4.8999% | 300 |
| Noninterest income to average assets | 0.3890% | 4,116 |
| Noninterest expense to average assets | 2.8691% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.1536% | 269 |
| Return on assets (ROA) | 2.1536% | 274 |
| Pretax return on assets | 2.1536% | 383 |
| Return on Equity (ROE) | 21.1778% | 200 |
| Retained earnings to average equity (ytd only) | -0.2960% | 5,551 |
| Net charge-offs to loans | -0.0077% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1231% | 5,245 |
| Assets per employee ($millions) | 4.0051% | 3,934 |
| Cash dividends to net income (ytd only)* | 101.3978% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,370 |
| Loan loss allowance to noncurrent loans | 92.8302% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 1,678 |
| Noncurrent loans to loans | 1.3117% | 1,798 |
| Net loans and leases to total assets | 90.5961% | 49 |
| Net loans and leases to deposits | 112.5832% | 189 |
| Net loans and leases to core deposits | 112.5832% | 743 |
| Total domestic deposits to total assets | 80.4703% | 4,620 |
| Equity capital to assets | 10.2824% | 3,642 |
| Core capital (leverage) ratio | 10.0055% | 3,497 |
| Tier 1 risk-based capital ratio | 11.6059% | 5,190 |
| Total risk-based capital ratio | 12.8544% | 5,097 |
| Memoranda: | ||
| Average total assets | $43,184,400 | 5,700 |
| Average earning assets | $40,837,600 | 5,652 |
| Average equity | $4,391,400 | 5,789 |
| Average total loans | $38,957,400 | 5,052 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3457% | 346 |
| Cost of funding earning assets | 0.5211% | 2,034 |
| Net interest margin | 4.8246% | 359 |
| Noninterest income to average assets | 0.3972% | 4,105 |
| Noninterest expense to average assets | 2.8673% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0977% | 306 |
| Return on assets (ROA) | 2.0977% | 327 |
| Pretax return on assets | 2.0977% | 500 |
| Return on Equity (ROE) | 20.6877% | 237 |
| Retained earnings to average equity (ytd only) | -4.4988% | 6,009 |
| Net charge-offs to loans | -0.0069% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7500% | 5,153 |
| Assets per employee ($millions) | 4.2610% | 3,401 |
| Cash dividends to net income (ytd only)* | 121.7461% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,746 |
| Loan loss allowance to noncurrent loans | 91.6045% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2844% | 1,823 |
| Noncurrent loans to loans | 1.2928% | 1,979 |
| Net loans and leases to total assets | 87.4080% | 167 |
| Net loans and leases to deposits | 105.1215% | 402 |
| Net loans and leases to core deposits | 105.1215% | 1,162 |
| Total domestic deposits to total assets | 83.1495% | 3,752 |
| Equity capital to assets | 9.3768% | 4,908 |
| Core capital (leverage) ratio | 9.9256% | 3,735 |
| Tier 1 risk-based capital ratio | 10.9148% | 5,694 |
| Total risk-based capital ratio | 12.1350% | 5,635 |
| Memoranda: | ||
| Average total assets | $42,966,500 | 5,779 |
| Average earning assets | $40,679,500 | 5,736 |
| Average equity | $4,356,750 | 5,869 |
| Average total loans | $38,595,500 | 5,119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 310 |
| Cost of funding earning assets | 0.5333% | 1,957 |
| Net interest margin | 4.8709% | 316 |
| Noninterest income to average assets | 0.3408% | 4,517 |
| Noninterest expense to average assets | 3.0289% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9153% | 424 |
| Return on assets (ROA) | 1.9153% | 443 |
| Pretax return on assets | 1.9153% | 717 |
| Return on Equity (ROE) | 18.3702% | 390 |
| Retained earnings to average equity (ytd only) | -13.3517% | 6,221 |
| Net charge-offs to loans | -0.0266% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2621% | 4,790 |
| Assets per employee ($millions) | 4.2104% | 3,448 |
| Cash dividends to net income (ytd only)* | 172.6817% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 3,386 |
| Loan loss allowance to noncurrent loans | 91.8063% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 1,637 |
| Noncurrent loans to loans | 1.3851% | 1,950 |
| Net loans and leases to total assets | 90.9082% | 43 |
| Net loans and leases to deposits | 113.4642% | 194 |
| Net loans and leases to core deposits | 113.4642% | 690 |
| Total domestic deposits to total assets | 80.1207% | 4,837 |
| Equity capital to assets | 10.0917% | 3,930 |
| Core capital (leverage) ratio | 10.2591% | 3,274 |
| Tier 1 risk-based capital ratio | 11.5149% | 5,454 |
| Total risk-based capital ratio | 12.7669% | 5,374 |
| Memoranda: | ||
| Average total assets | $41,665,000 | 5,865 |
| Average earning assets | $39,377,000 | 5,831 |
| Average equity | $4,344,000 | 5,930 |
| Average total loans | $37,640,670 | 5,197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 294 |
| Cost of funding earning assets | 0.5120% | 2,184 |
| Net interest margin | 4.9048% | 296 |
| Noninterest income to average assets | 0.3185% | 4,642 |
| Noninterest expense to average assets | 2.9919% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9495% | 372 |
| Return on assets (ROA) | 1.9495% | 392 |
| Pretax return on assets | 1.9495% | 651 |
| Return on Equity (ROE) | 18.3992% | 360 |
| Retained earnings to average equity (ytd only) | -27.1433% | 6,328 |
| Net charge-offs to loans | -0.0432% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5469% | 5,024 |
| Assets per employee ($millions) | 4.0388% | 3,879 |
| Cash dividends to net income (ytd only)* | 247.5248% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,072 |
| Loan loss allowance to noncurrent loans | 86.1888% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 1,531 |
| Noncurrent loans to loans | 1.5858% | 1,764 |
| Net loans and leases to total assets | 88.0905% | 101 |
| Net loans and leases to deposits | 101.9895% | 456 |
| Net loans and leases to core deposits | 101.9895% | 1,179 |
| Total domestic deposits to total assets | 86.3722% | 2,727 |
| Equity capital to assets | 10.5056% | 3,524 |
| Core capital (leverage) ratio | 10.2994% | 3,215 |
| Tier 1 risk-based capital ratio | 11.7445% | 5,412 |
| Total risk-based capital ratio | 12.9959% | 5,314 |
| Memoranda: | ||
| Average total assets | $41,445,500 | 5,930 |
| Average earning assets | $39,063,500 | 5,895 |
| Average equity | $4,391,500 | 5,974 |
| Average total loans | $37,076,500 | 5,243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 279 |
| Cost of funding earning assets | 0.5681% | 2,061 |
| Net interest margin | 5.0193% | 297 |
| Noninterest income to average assets | 0.3495% | 4,606 |
| Noninterest expense to average assets | 2.7658% | 3,610 |
| Loan and lease loss provision to assets | 0.0704% | 3,078 |
| Net operating income to assets | 2.2802% | 194 |
| Return on assets (ROA) | 2.2802% | 199 |
| Pretax return on assets | 2.2802% | 275 |
| Return on Equity (ROE) | 22.7411% | 157 |
| Retained earnings to average equity (ytd only) | 12.3532% | 272 |
| Net charge-offs to loans | -0.0635% | 6,010 |
| Credit loss provision to net charge-offs | -125.0000% | 5,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0578% | 5,836 |
| Assets per employee ($millions) | 4.2503% | 3,453 |
| Cash dividends to net income (ytd only)* | 45.6790% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 3,516 |
| Loan loss allowance to noncurrent loans | 79.2545% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 1,598 |
| Noncurrent loans to loans | 1.6202% | 1,808 |
| Net loans and leases to total assets | 88.4479% | 100 |
| Net loans and leases to deposits | 102.3384% | 499 |
| Net loans and leases to core deposits | 102.3384% | 1,227 |
| Total domestic deposits to total assets | 86.4268% | 2,607 |
| Equity capital to assets | 10.6816% | 3,262 |
| Core capital (leverage) ratio | 10.5393% | 2,903 |
| Tier 1 risk-based capital ratio | 12.1657% | 5,254 |
| Total risk-based capital ratio | 13.4171% | 5,160 |
| Memoranda: | ||
| Average total assets | $42,628,000 | 5,962 |
| Average earning assets | $40,483,800 | 5,906 |
| Average equity | $4,274,200 | 6,035 |
| Average total loans | $37,776,200 | 5,266 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 288 |
| Cost of funding earning assets | 0.5704% | 2,102 |
| Net interest margin | 4.9996% | 298 |
| Noninterest income to average assets | 0.3469% | 4,667 |
| Noninterest expense to average assets | 2.6660% | 3,960 |
| Loan and lease loss provision to assets | 0.0938% | 2,486 |
| Net operating income to assets | 2.3535% | 180 |
| Return on assets (ROA) | 2.3535% | 184 |
| Pretax return on assets | 2.3535% | 280 |
| Return on Equity (ROE) | 23.8600% | 130 |
| Retained earnings to average equity (ytd only) | 13.1184% | 321 |
| Net charge-offs to loans | -0.0814% | 6,077 |
| Credit loss provision to net charge-offs | -130.4348% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1394% | 5,980 |
| Assets per employee ($millions) | 5.3339% | 1,875 |
| Cash dividends to net income (ytd only)* | 45.0203% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 3,979 |
| Loan loss allowance to noncurrent loans | 75.6589% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6686% | 1,815 |
| Noncurrent loans to loans | 1.6474% | 1,979 |
| Net loans and leases to total assets | 90.6095% | 45 |
| Net loans and leases to deposits | 104.6982% | 372 |
| Net loans and leases to core deposits | 104.6982% | 1,053 |
| Total domestic deposits to total assets | 86.5436% | 2,562 |
| Equity capital to assets | 10.3771% | 3,703 |
| Core capital (leverage) ratio | 10.3112% | 3,278 |
| Tier 1 risk-based capital ratio | 11.5329% | 5,774 |
| Total risk-based capital ratio | 12.7837% | 5,702 |
| Memoranda: | ||
| Average total assets | $42,659,250 | 6,031 |
| Average earning assets | $40,669,250 | 5,975 |
| Average equity | $4,207,750 | 6,108 |
| Average total loans | $37,699,750 | 5,313 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4087% | 364 |
| Cost of funding earning assets | 0.5753% | 2,116 |
| Net interest margin | 4.8334% | 390 |
| Noninterest income to average assets | 0.3188% | 4,866 |
| Noninterest expense to average assets | 2.6913% | 3,901 |
| Loan and lease loss provision to assets | 0.0703% | 2,868 |
| Net operating income to assets | 2.1662% | 243 |
| Return on assets (ROA) | 2.1662% | 255 |
| Pretax return on assets | 2.1662% | 392 |
| Return on Equity (ROE) | 22.3494% | 185 |
| Retained earnings to average equity (ytd only) | 12.0455% | 422 |
| Net charge-offs to loans | -0.1290% | 6,222 |
| Credit loss provision to net charge-offs | -62.5000% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6147% | 5,859 |
| Assets per employee ($millions) | 4.2760% | 3,317 |
| Cash dividends to net income (ytd only)* | 46.1039% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 4,356 |
| Loan loss allowance to noncurrent loans | 49.3236% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.4041% | 1,197 |
| Noncurrent loans to loans | 2.4635% | 1,267 |
| Net loans and leases to total assets | 90.1216% | 47 |
| Net loans and leases to deposits | 103.4857% | 382 |
| Net loans and leases to core deposits | 103.4857% | 1,052 |
| Total domestic deposits to total assets | 87.0861% | 2,409 |
| Equity capital to assets | 9.9626% | 4,163 |
| Core capital (leverage) ratio | 9.8830% | 3,770 |
| Tier 1 risk-based capital ratio | 11.1548% | 5,986 |
| Total risk-based capital ratio | 12.3962% | 5,923 |
| Memoranda: | ||
| Average total assets | $42,655,330 | 6,087 |
| Average earning assets | $40,675,000 | 6,028 |
| Average equity | $4,134,330 | 6,170 |
| Average total loans | $37,215,670 | 5,367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2278% | 465 |
| Cost of funding earning assets | 0.5994% | 1,974 |
| Net interest margin | 4.6284% | 531 |
| Noninterest income to average assets | 0.2817% | 5,117 |
| Noninterest expense to average assets | 2.5069% | 4,600 |
| Loan and lease loss provision to assets | 0.1408% | 1,727 |
| Net operating income to assets | 2.0562% | 303 |
| Return on assets (ROA) | 2.0562% | 313 |
| Pretax return on assets | 2.0562% | 468 |
| Return on Equity (ROE) | 21.5154% | 223 |
| Retained earnings to average equity (ytd only) | 12.0840% | 594 |
| Net charge-offs to loans | -0.0551% | 5,844 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2934% | 6,069 |
| Assets per employee ($millions) | 4.3420% | 3,264 |
| Cash dividends to net income (ytd only)* | 43.8356% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,335 |
| Loan loss allowance to noncurrent loans | 41.3636% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.6877% | 1,137 |
| Noncurrent loans to loans | 3.0413% | 1,037 |
| Net loans and leases to total assets | 82.2524% | 339 |
| Net loans and leases to deposits | 93.8780% | 806 |
| Net loans and leases to core deposits | 93.8780% | 1,561 |
| Total domestic deposits to total assets | 87.6163% | 2,445 |
| Equity capital to assets | 9.5187% | 4,477 |
| Core capital (leverage) ratio | 9.4913% | 4,294 |
| Tier 1 risk-based capital ratio | 11.5303% | 5,899 |
| Total risk-based capital ratio | 12.7795% | 5,848 |
| Memoranda: | ||
| Average total assets | $42,603,000 | 6,154 |
| Average earning assets | $40,705,500 | 6,087 |
| Average equity | $4,071,500 | 6,232 |
| Average total loans | $36,318,500 | 5,450 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 408 |
| Cost of funding earning assets | 0.7348% | 1,598 |
| Net interest margin | 4.7001% | 510 |
| Noninterest income to average assets | 0.3304% | 4,972 |
| Noninterest expense to average assets | 2.6120% | 4,414 |
| Loan and lease loss provision to assets | 0.3328% | 971 |
| Net operating income to assets | 1.8595% | 431 |
| Return on assets (ROA) | 1.8595% | 442 |
| Pretax return on assets | 1.8595% | 666 |
| Return on Equity (ROE) | 19.8027% | 290 |
| Retained earnings to average equity (ytd only) | 5.3167% | 2,407 |
| Net charge-offs to loans | 0.4292% | 1,554 |
| Credit loss provision to net charge-offs | 89.6104% | 2,772 |
| Earnings coverage of net charge-offs (x) | 5.9026% | 3,178 |
| Efficiency ratio | 54.3675% | 6,103 |
| Assets per employee ($millions) | 4.1786% | 3,491 |
| Cash dividends to net income (ytd only)* | 73.1518% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,697 |
| Loan loss allowance to noncurrent loans | 34.9678% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 3.1374% | 988 |
| Noncurrent loans to loans | 3.4112% | 939 |
| Net loans and leases to total assets | 86.2322% | 143 |
| Net loans and leases to deposits | 98.6314% | 559 |
| Net loans and leases to core deposits | 98.6314% | 1,266 |
| Total domestic deposits to total assets | 87.4288% | 2,508 |
| Equity capital to assets | 9.5965% | 4,292 |
| Core capital (leverage) ratio | 9.3066% | 4,539 |
| Tier 1 risk-based capital ratio | 11.2321% | 6,059 |
| Total risk-based capital ratio | 12.4500% | 6,023 |
| Memoranda: | ||
| Average total assets | $41,462,800 | 6,242 |
| Average earning assets | $39,467,200 | 6,187 |
| Average equity | $3,893,400 | 6,348 |
| Average total loans | $35,880,200 | 5,499 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 396 |
| Cost of funding earning assets | 0.7276% | 1,752 |
| Net interest margin | 4.7345% | 493 |
| Noninterest income to average assets | 0.3351% | 5,013 |
| Noninterest expense to average assets | 2.5034% | 4,708 |
| Loan and lease loss provision to assets | 0.2674% | 1,318 |
| Net operating income to assets | 2.0717% | 319 |
| Return on assets (ROA) | 2.0717% | 328 |
| Pretax return on assets | 2.0717% | 502 |
| Return on Equity (ROE) | 22.1857% | 199 |
| Retained earnings to average equity (ytd only) | 4.1749% | 3,715 |
| Net charge-offs to loans | 0.4440% | 1,444 |
| Credit loss provision to net charge-offs | 69.7479% | 3,079 |
| Earnings coverage of net charge-offs (x) | 6.1010% | 3,043 |
| Efficiency ratio | 51.6966% | 6,275 |
| Assets per employee ($millions) | 4.2287% | 3,370 |
| Cash dividends to net income (ytd only)* | 81.1818% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,108 |
| Loan loss allowance to noncurrent loans | 35.0507% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.7999% | 1,333 |
| Noncurrent loans to loans | 3.2890% | 1,184 |
| Net loans and leases to total assets | 84.1488% | 237 |
| Net loans and leases to deposits | 97.9520% | 575 |
| Net loans and leases to core deposits | 97.9520% | 1,249 |
| Total domestic deposits to total assets | 85.9082% | 3,314 |
| Equity capital to assets | 9.2771% | 4,828 |
| Core capital (leverage) ratio | 9.3267% | 4,655 |
| Tier 1 risk-based capital ratio | 11.0327% | 6,265 |
| Total risk-based capital ratio | 12.1990% | 6,268 |
| Memoranda: | ||
| Average total assets | $41,382,000 | 6,317 |
| Average earning assets | $39,397,500 | 6,256 |
| Average equity | $3,864,250 | 6,436 |
| Average total loans | $35,733,250 | 5,556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 406 |
| Cost of funding earning assets | 0.7367% | 1,796 |
| Net interest margin | 4.7171% | 493 |
| Noninterest income to average assets | 0.2921% | 5,361 |
| Noninterest expense to average assets | 2.4343% | 4,949 |
| Loan and lease loss provision to assets | 0.4041% | 764 |
| Net operating income to assets | 1.9425% | 390 |
| Return on assets (ROA) | 1.9425% | 425 |
| Pretax return on assets | 1.9425% | 678 |
| Return on Equity (ROE) | 20.7560% | 260 |
| Retained earnings to average equity (ytd only) | 7.6470% | 1,611 |
| Net charge-offs to loans | 0.6845% | 961 |
| Credit loss provision to net charge-offs | 68.0328% | 2,871 |
| Earnings coverage of net charge-offs (x) | 3.9508% | 3,255 |
| Efficiency ratio | 50.9165% | 6,361 |
| Assets per employee ($millions) | 4.0598% | 3,666 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,120 |
| Loan loss allowance to noncurrent loans | 32.1373% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 3.1578% | 1,263 |
| Noncurrent loans to loans | 3.6578% | 1,119 |
| Net loans and leases to total assets | 85.3145% | 171 |
| Net loans and leases to deposits | 100.1156% | 421 |
| Net loans and leases to core deposits | 100.1156% | 1,072 |
| Total domestic deposits to total assets | 85.2160% | 3,785 |
| Equity capital to assets | 9.7172% | 4,280 |
| Core capital (leverage) ratio | 9.5266% | 4,204 |
| Tier 1 risk-based capital ratio | 11.5215% | 6,100 |
| Total risk-based capital ratio | 12.7227% | 6,090 |
| Memoranda: | ||
| Average total assets | $41,080,330 | 6,374 |
| Average earning assets | $39,092,000 | 6,311 |
| Average equity | $3,844,670 | 6,486 |
| Average total loans | $35,644,670 | 5,591 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 341 |
| Cost of funding earning assets | 0.7553% | 1,803 |
| Net interest margin | 4.7972% | 407 |
| Noninterest income to average assets | 0.1936% | 6,090 |
| Noninterest expense to average assets | 2.4007% | 5,117 |
| Loan and lease loss provision to assets | 0.1258% | 2,660 |
| Net operating income to assets | 2.2168% | 235 |
| Return on assets (ROA) | 2.2168% | 259 |
| Pretax return on assets | 2.2168% | 402 |
| Return on Equity (ROE) | 24.1402% | 139 |
| Retained earnings to average equity (ytd only) | -2.4246% | 6,131 |
| Net charge-offs to loans | -0.1335% | 6,557 |
| Credit loss provision to net charge-offs | -108.3333% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6122% | 6,466 |
| Assets per employee ($millions) | 5.2410% | 1,935 |
| Cash dividends to net income (ytd only)* | 110.0437% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,464 |
| Loan loss allowance to noncurrent loans | 35.9576% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 3.1506% | 1,393 |
| Noncurrent loans to loans | 3.7555% | 1,238 |
| Net loans and leases to total assets | 82.7609% | 253 |
| Net loans and leases to deposits | 97.5212% | 470 |
| Net loans and leases to core deposits | 97.5212% | 1,114 |
| Total domestic deposits to total assets | 84.8645% | 4,110 |
| Equity capital to assets | 9.0250% | 5,455 |
| Core capital (leverage) ratio | 9.1725% | 4,608 |
| Tier 1 risk-based capital ratio | 11.0253% | 6,392 |
| Total risk-based capital ratio | 12.2759% | 6,367 |
| Memoranda: | ||
| Average total assets | $41,321,500 | 6,426 |
| Average earning assets | $39,189,500 | 6,360 |
| Average equity | $3,794,500 | 6,557 |
| Average total loans | $35,943,000 | 5,623 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9823% | 270 |
| Cost of funding earning assets | 0.8507% | 2,284 |
| Net interest margin | 5.1315% | 308 |
| Noninterest income to average assets | 0.3445% | 5,004 |
| Noninterest expense to average assets | 2.5542% | 4,921 |
| Loan and lease loss provision to assets | 0.3087% | 2,209 |
| Net operating income to assets | 2.3143% | 206 |
| Return on assets (ROA) | 2.3143% | 223 |
| Pretax return on assets | 2.3143% | 329 |
| Return on Equity (ROE) | 25.8184% | 106 |
| Retained earnings to average equity (ytd only) | 10.1053% | 581 |
| Net charge-offs to loans | 0.1426% | 4,268 |
| Credit loss provision to net charge-offs | 246.9388% | 996 |
| Earnings coverage of net charge-offs (x) | 20.9796% | 1,322 |
| Efficiency ratio | 49.3346% | 6,630 |
| Assets per employee ($millions) | 4.5239% | 2,915 |
| Cash dividends to net income (ytd only)* | 60.8600% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 4,996 |
| Loan loss allowance to noncurrent loans | 41.7827% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 2.8392% | 1,686 |
| Noncurrent loans to loans | 2.9337% | 1,783 |
| Net loans and leases to total assets | 89.0605% | 66 |
| Net loans and leases to deposits | 107.6537% | 192 |
| Net loans and leases to core deposits | 107.6537% | 623 |
| Total domestic deposits to total assets | 82.7287% | 4,836 |
| Equity capital to assets | 9.3455% | 5,087 |
| Core capital (leverage) ratio | 9.5285% | 4,067 |
| Tier 1 risk-based capital ratio | 10.5733% | 6,528 |
| Total risk-based capital ratio | 11.8237% | 6,497 |
| Memoranda: | ||
| Average total assets | $39,190,800 | 6,526 |
| Average earning assets | $36,909,000 | 6,473 |
| Average equity | $3,513,000 | 6,685 |
| Average total loans | $34,364,000 | 5,745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9923% | 286 |
| Cost of funding earning assets | 0.8748% | 2,359 |
| Net interest margin | 5.1175% | 327 |
| Noninterest income to average assets | 0.3573% | 4,966 |
| Noninterest expense to average assets | 2.5148% | 5,035 |
| Loan and lease loss provision to assets | 0.3813% | 1,696 |
| Net operating income to assets | 2.2846% | 245 |
| Return on assets (ROA) | 2.2846% | 266 |
| Pretax return on assets | 2.2846% | 410 |
| Return on Equity (ROE) | 25.7744% | 127 |
| Retained earnings to average equity (ytd only) | 4.3797% | 3,808 |
| Net charge-offs to loans | 0.1658% | 3,793 |
| Credit loss provision to net charge-offs | 264.2857% | 1,044 |
| Earnings coverage of net charge-offs (x) | 18.4757% | 1,559 |
| Efficiency ratio | 48.5411% | 6,686 |
| Assets per employee ($millions) | 4.5547% | 2,814 |
| Cash dividends to net income (ytd only)* | 83.0078% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 5,077 |
| Loan loss allowance to noncurrent loans | 50.4515% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 2.3590% | 2,253 |
| Noncurrent loans to loans | 2.4649% | 2,335 |
| Net loans and leases to total assets | 86.5974% | 128 |
| Net loans and leases to deposits | 102.7974% | 317 |
| Net loans and leases to core deposits | 102.7974% | 942 |
| Total domestic deposits to total assets | 84.2408% | 4,110 |
| Equity capital to assets | 8.6944% | 6,108 |
| Core capital (leverage) ratio | 9.1132% | 4,890 |
| Tier 1 risk-based capital ratio | 10.0784% | 6,779 |
| Total risk-based capital ratio | 11.3286% | 6,754 |
| Memoranda: | ||
| Average total assets | $38,809,750 | 6,624 |
| Average earning assets | $36,579,250 | 6,557 |
| Average equity | $3,440,000 | 6,784 |
| Average total loans | $33,777,250 | 5,840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9646% | 310 |
| Cost of funding earning assets | 0.9036% | 2,368 |
| Net interest margin | 5.0610% | 364 |
| Noninterest income to average assets | 0.3309% | 5,183 |
| Noninterest expense to average assets | 2.5576% | 4,929 |
| Loan and lease loss provision to assets | 0.5304% | 1,181 |
| Net operating income to assets | 2.0377% | 370 |
| Return on assets (ROA) | 2.0377% | 414 |
| Pretax return on assets | 2.0377% | 644 |
| Return on Equity (ROE) | 22.8325% | 216 |
| Retained earnings to average equity (ytd only) | -1.5300% | 6,295 |
| Net charge-offs to loans | 0.2541% | 3,057 |
| Credit loss provision to net charge-offs | 240.4762% | 1,191 |
| Earnings coverage of net charge-offs (x) | 11.6429% | 1,945 |
| Efficiency ratio | 49.8975% | 6,650 |
| Assets per employee ($millions) | 4.3092% | 3,241 |
| Cash dividends to net income (ytd only)* | 106.7010% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 5,120 |
| Loan loss allowance to noncurrent loans | 48.5017% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.4418% | 2,290 |
| Noncurrent loans to loans | 2.5785% | 2,332 |
| Net loans and leases to total assets | 88.9720% | 56 |
| Net loans and leases to deposits | 106.2017% | 228 |
| Net loans and leases to core deposits | 106.2017% | 732 |
| Total domestic deposits to total assets | 83.7764% | 4,410 |
| Equity capital to assets | 8.8286% | 5,877 |
| Core capital (leverage) ratio | 9.0096% | 4,900 |
| Tier 1 risk-based capital ratio | 9.9715% | 6,834 |
| Total risk-based capital ratio | 11.2208% | 6,816 |
| Memoranda: | ||
| Average total assets | $38,082,330 | 6,679 |
| Average earning assets | $36,079,670 | 6,621 |
| Average equity | $3,398,670 | 6,833 |
| Average total loans | $33,054,670 | 5,908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8873% | 364 |
| Cost of funding earning assets | 0.9460% | 2,335 |
| Net interest margin | 4.9414% | 441 |
| Noninterest income to average assets | 0.3286% | 5,233 |
| Noninterest expense to average assets | 2.5443% | 5,006 |
| Loan and lease loss provision to assets | 0.7951% | 622 |
| Net operating income to assets | 1.6962% | 724 |
| Return on assets (ROA) | 1.6962% | 803 |
| Pretax return on assets | 1.6962% | 1,311 |
| Return on Equity (ROE) | 18.9014% | 462 |
| Retained earnings to average equity (ytd only) | -14.7667% | 6,968 |
| Net charge-offs to loans | 0.9467% | 1,093 |
| Credit loss provision to net charge-offs | 98.6842% | 2,396 |
| Earnings coverage of net charge-offs (x) | 3.0921% | 2,968 |
| Efficiency ratio | 50.5263% | 6,638 |
| Assets per employee ($millions) | 4.2053% | 3,567 |
| Cash dividends to net income (ytd only)* | 178.1250% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,588 |
| Loan loss allowance to noncurrent loans | 41.6575% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.9064% | 1,990 |
| Noncurrent loans to loans | 2.8335% | 2,279 |
| Net loans and leases to total assets | 83.3915% | 200 |
| Net loans and leases to deposits | 98.8134% | 415 |
| Net loans and leases to core deposits | 98.8134% | 1,062 |
| Total domestic deposits to total assets | 84.3928% | 4,326 |
| Equity capital to assets | 8.7772% | 5,781 |
| Core capital (leverage) ratio | 8.7993% | 5,131 |
| Tier 1 risk-based capital ratio | 10.1722% | 6,840 |
| Total risk-based capital ratio | 11.3256% | 6,853 |
| Memoranda: | ||
| Average total assets | $37,732,000 | 6,741 |
| Average earning assets | $35,941,500 | 6,674 |
| Average equity | $3,386,000 | 6,879 |
| Average total loans | $32,110,500 | 6,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4865% | 183 |
| Cost of funding earning assets | 1.1812% | 2,157 |
| Net interest margin | 5.3053% | 238 |
| Noninterest income to average assets | 0.3987% | 4,625 |
| Noninterest expense to average assets | 2.6824% | 4,815 |
| Loan and lease loss provision to assets | 0.0814% | 5,597 |
| Net operating income to assets | 2.5929% | 121 |
| Return on assets (ROA) | 2.5929% | 123 |
| Pretax return on assets | 2.5929% | 180 |
| Return on Equity (ROE) | 27.6189% | 60 |
| Retained earnings to average equity (ytd only) | 1.0978% | 5,342 |
| Net charge-offs to loans | 0.1967% | 4,569 |
| Credit loss provision to net charge-offs | 47.6190% | 5,479 |
| Earnings coverage of net charge-offs (x) | 15.6508% | 1,378 |
| Efficiency ratio | 50.0759% | 6,829 |
| Assets per employee ($millions) | 4.1796% | 3,496 |
| Cash dividends to net income (ytd only)* | 96.0251% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,530 |
| Loan loss allowance to noncurrent loans | 44.0559% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.7993% | 2,158 |
| Noncurrent loans to loans | 2.6578% | 2,447 |
| Net loans and leases to total assets | 84.8150% | 173 |
| Net loans and leases to deposits | 100.9429% | 416 |
| Net loans and leases to core deposits | 100.9429% | 1,097 |
| Total domestic deposits to total assets | 84.0228% | 4,305 |
| Equity capital to assets | 9.1716% | 5,328 |
| Core capital (leverage) ratio | 9.0955% | 4,628 |
| Tier 1 risk-based capital ratio | 10.7173% | 6,594 |
| Total risk-based capital ratio | 11.8915% | 6,607 |
| Memoranda: | ||
| Average total assets | $36,869,600 | 6,769 |
| Average earning assets | $34,456,200 | 6,733 |
| Average equity | $3,461,400 | 6,888 |
| Average total loans | $32,026,800 | 6,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6281% | 160 |
| Cost of funding earning assets | 1.2364% | 2,083 |
| Net interest margin | 5.3917% | 209 |
| Noninterest income to average assets | 0.3562% | 5,011 |
| Noninterest expense to average assets | 2.6678% | 4,850 |
| Loan and lease loss provision to assets | 0.1090% | 5,077 |
| Net operating income to assets | 2.5879% | 134 |
| Return on assets (ROA) | 2.5879% | 142 |
| Pretax return on assets | 2.5879% | 210 |
| Return on Equity (ROE) | 27.4030% | 90 |
| Retained earnings to average equity (ytd only) | 7.6975% | 1,627 |
| Net charge-offs to loans | -0.0960% | 7,157 |
| Credit loss provision to net charge-offs | -130.4348% | 6,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7290% | 6,847 |
| Assets per employee ($millions) | 4.1750% | 3,494 |
| Cash dividends to net income (ytd only)* | 71.9101% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 4,236 |
| Loan loss allowance to noncurrent loans | 336.2319% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 4,966 |
| Noncurrent loans to loans | 0.4381% | 5,967 |
| Net loans and leases to total assets | 82.5921% | 314 |
| Net loans and leases to deposits | 99.0363% | 515 |
| Net loans and leases to core deposits | 99.0363% | 1,331 |
| Total domestic deposits to total assets | 83.3959% | 4,523 |
| Equity capital to assets | 9.6101% | 4,918 |
| Core capital (leverage) ratio | 9.8435% | 3,658 |
| Tier 1 risk-based capital ratio | 11.2181% | 6,417 |
| Total risk-based capital ratio | 12.4701% | 6,400 |
| Memoranda: | ||
| Average total assets | $36,683,000 | 6,836 |
| Average earning assets | $34,076,500 | 6,813 |
| Average equity | $3,464,250 | 6,946 |
| Average total loans | $31,963,000 | 6,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6182% | 174 |
| Cost of funding earning assets | 1.2940% | 1,977 |
| Net interest margin | 5.3242% | 233 |
| Noninterest income to average assets | 0.3133% | 5,394 |
| Noninterest expense to average assets | 2.7483% | 4,631 |
| Loan and lease loss provision to assets | 0.1649% | 4,283 |
| Net operating income to assets | 2.3306% | 210 |
| Return on assets (ROA) | 2.3306% | 224 |
| Pretax return on assets | 2.3306% | 330 |
| Return on Equity (ROE) | 24.8292% | 142 |
| Retained earnings to average equity (ytd only) | 1.6982% | 5,144 |
| Net charge-offs to loans | -0.0374% | 6,978 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4109% | 6,761 |
| Assets per employee ($millions) | 4.0349% | 3,684 |
| Cash dividends to net income (ytd only)* | 93.1604% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,692 |
| Loan loss allowance to noncurrent loans | 88.5149% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3906% | 4,141 |
| Noncurrent loans to loans | 1.5567% | 4,073 |
| Net loans and leases to total assets | 88.1010% | 78 |
| Net loans and leases to deposits | 106.5120% | 249 |
| Net loans and leases to core deposits | 108.3260% | 795 |
| Total domestic deposits to total assets | 82.7147% | 4,900 |
| Equity capital to assets | 9.4729% | 4,853 |
| Core capital (leverage) ratio | 9.4402% | 4,045 |
| Tier 1 risk-based capital ratio | 10.6660% | 6,730 |
| Total risk-based capital ratio | 11.9186% | 6,714 |
| Memoranda: | ||
| Average total assets | $36,385,670 | 6,908 |
| Average earning assets | $33,695,000 | 6,884 |
| Average equity | $3,415,330 | 7,010 |
| Average total loans | $32,118,000 | 6,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6232% | 175 |
| Cost of funding earning assets | 1.3678% | 1,784 |
| Net interest margin | 5.2553% | 237 |
| Noninterest income to average assets | 0.1757% | 6,471 |
| Noninterest expense to average assets | 2.6688% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3173% | 222 |
| Return on assets (ROA) | 2.3173% | 233 |
| Pretax return on assets | 2.3173% | 330 |
| Return on Equity (ROE) | 24.8016% | 170 |
| Retained earnings to average equity (ytd only) | -1.8807% | 6,125 |
| Net charge-offs to loans | -0.0501% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5242% | 6,741 |
| Assets per employee ($millions) | 4.0148% | 3,808 |
| Cash dividends to net income (ytd only)* | 107.5829% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 5,179 |
| Loan loss allowance to noncurrent loans | 79.1985% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 4,095 |
| Noncurrent loans to loans | 1.6299% | 4,033 |
| Net loans and leases to total assets | 87.8255% | 84 |
| Net loans and leases to deposits | 105.4006% | 269 |
| Net loans and leases to core deposits | 107.2022% | 884 |
| Total domestic deposits to total assets | 83.3255% | 4,781 |
| Equity capital to assets | 9.3958% | 4,581 |
| Core capital (leverage) ratio | 9.2444% | 4,221 |
| Tier 1 risk-based capital ratio | 10.5638% | 6,773 |
| Total risk-based capital ratio | 11.8147% | 6,763 |
| Memoranda: | ||
| Average total assets | $36,421,500 | 6,952 |
| Average earning assets | $33,337,500 | 6,945 |
| Average equity | $3,403,000 | 7,046 |
| Average total loans | $31,957,000 | 6,244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7391% | 223 |
| Cost of funding earning assets | 1.9157% | 799 |
| Net interest margin | 4.8234% | 644 |
| Noninterest income to average assets | 0.6119% | 3,394 |
| Noninterest expense to average assets | 2.4991% | 5,804 |
| Loan and lease loss provision to assets | 1.0641% | 1,510 |
| Net operating income to assets | 1.4458% | 863 |
| Return on assets (ROA) | 1.4458% | 931 |
| Pretax return on assets | 1.4458% | 1,525 |
| Return on Equity (ROE) | 16.2825% | 553 |
| Retained earnings to average equity (ytd only) | 5.3970% | 2,180 |
| Net charge-offs to loans | 1.3184% | 1,698 |
| Credit loss provision to net charge-offs | 94.0191% | 4,942 |
| Earnings coverage of net charge-offs (x) | 2.2177% | 4,063 |
| Efficiency ratio | 49.8919% | 7,133 |
| Assets per employee ($millions) | 4.0789% | 3,621 |
| Cash dividends to net income (ytd only)* | 66.8539% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 5,035 |
| Loan loss allowance to noncurrent loans | 91.1308% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 4,440 |
| Noncurrent loans to loans | 1.4198% | 4,355 |
| Net loans and leases to total assets | 85.4100% | 213 |
| Net loans and leases to deposits | 102.1935% | 478 |
| Net loans and leases to core deposits | 103.8969% | 1,322 |
| Total domestic deposits to total assets | 83.5767% | 4,570 |
| Equity capital to assets | 9.2917% | 4,700 |
| Core capital (leverage) ratio | 8.6809% | 5,054 |
| Tier 1 risk-based capital ratio | 10.7909% | 6,496 |
| Total risk-based capital ratio | 12.0405% | 6,462 |
| Memoranda: | ||
| Average total assets | $36,933,400 | 6,973 |
| Average earning assets | $33,669,400 | 6,957 |
| Average equity | $3,279,600 | 7,199 |
| Average total loans | $31,705,400 | 6,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7058% | 239 |
| Cost of funding earning assets | 1.8752% | 1,113 |
| Net interest margin | 4.8306% | 633 |
| Noninterest income to average assets | 0.9300% | 1,688 |
| Noninterest expense to average assets | 2.4872% | 5,756 |
| Loan and lease loss provision to assets | 1.4166% | 951 |
| Net operating income to assets | 1.4274% | 1,060 |
| Return on assets (ROA) | 1.4274% | 1,126 |
| Pretax return on assets | 1.4274% | 1,801 |
| Return on Equity (ROE) | 16.2621% | 678 |
| Retained earnings to average equity (ytd only) | 1.6016% | 5,152 |
| Net charge-offs to loans | 1.7292% | 1,125 |
| Credit loss provision to net charge-offs | 95.6204% | 4,539 |
| Earnings coverage of net charge-offs (x) | 1.9197% | 4,268 |
| Efficiency ratio | 46.6531% | 7,358 |
| Assets per employee ($millions) | 4.3689% | 3,126 |
| Cash dividends to net income (ytd only)* | 90.1513% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 4,679 |
| Loan loss allowance to noncurrent loans | 89.3162% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 3,998 |
| Noncurrent loans to loans | 1.5210% | 4,356 |
| Net loans and leases to total assets | 77.1897% | 1,180 |
| Net loans and leases to deposits | 96.8350% | 898 |
| Net loans and leases to core deposits | 96.8350% | 2,163 |
| Total domestic deposits to total assets | 79.7126% | 5,801 |
| Equity capital to assets | 8.3266% | 6,475 |
| Core capital (leverage) ratio | 8.4646% | 5,570 |
| Tier 1 risk-based capital ratio | 10.3951% | 6,835 |
| Total risk-based capital ratio | 11.6464% | 6,835 |
| Memoranda: | ||
| Average total assets | $36,989,250 | 7,056 |
| Average earning assets | $33,701,250 | 7,037 |
| Average equity | $3,246,750 | 7,297 |
| Average total loans | $31,690,500 | 6,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8012% | 202 |
| Cost of funding earning assets | 1.9233% | 1,141 |
| Net interest margin | 4.8779% | 563 |
| Noninterest income to average assets | 0.3977% | 4,935 |
| Noninterest expense to average assets | 2.6068% | 5,298 |
| Loan and lease loss provision to assets | 0.8008% | 1,804 |
| Net operating income to assets | 1.4305% | 1,033 |
| Return on assets (ROA) | 1.4305% | 1,107 |
| Pretax return on assets | 1.4305% | 1,749 |
| Return on Equity (ROE) | 15.9992% | 699 |
| Retained earnings to average equity (ytd only) | 2.4709% | 4,579 |
| Net charge-offs to loans | 1.3501% | 1,410 |
| Credit loss provision to net charge-offs | 67.1296% | 5,044 |
| Earnings coverage of net charge-offs (x) | 1.8704% | 4,117 |
| Efficiency ratio | 53.8813% | 6,896 |
| Assets per employee ($millions) | 4.0958% | 3,587 |
| Cash dividends to net income (ytd only)* | 84.5560% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,635 |
| Loan loss allowance to noncurrent loans | 40.6459% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 4.6064% | 1,420 |
| Noncurrent loans to loans | 2.8637% | 2,795 |
| Net loans and leases to total assets | 84.0785% | 348 |
| Net loans and leases to deposits | 107.1718% | 343 |
| Net loans and leases to core deposits | 107.1718% | 1,361 |
| Total domestic deposits to total assets | 78.4521% | 6,161 |
| Equity capital to assets | 8.8953% | 5,610 |
| Core capital (leverage) ratio | 8.9436% | 4,695 |
| Tier 1 risk-based capital ratio | 10.2953% | 6,841 |
| Total risk-based capital ratio | 11.4430% | 6,887 |
| Memoranda: | ||
| Average total assets | $36,212,330 | 7,135 |
| Average earning assets | $32,964,670 | 7,115 |
| Average equity | $3,237,670 | 7,342 |
| Average total loans | $31,997,670 | 6,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7871% | 225 |
| Cost of funding earning assets | 1.9047% | 1,427 |
| Net interest margin | 4.8824% | 541 |
| Noninterest income to average assets | 0.4013% | 4,908 |
| Noninterest expense to average assets | 2.6862% | 4,973 |
| Loan and lease loss provision to assets | 0.6130% | 2,076 |
| Net operating income to assets | 1.6162% | 724 |
| Return on assets (ROA) | 1.6162% | 773 |
| Pretax return on assets | 1.6162% | 1,226 |
| Return on Equity (ROE) | 18.0292% | 515 |
| Retained earnings to average equity (ytd only) | -6.5900% | 6,698 |
| Net charge-offs to loans | 0.1980% | 3,721 |
| Credit loss provision to net charge-offs | 343.7500% | 1,172 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,561 |
| Efficiency ratio | 54.6485% | 6,915 |
| Assets per employee ($millions) | 4.0184% | 3,826 |
| Cash dividends to net income (ytd only)* | 136.5517% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,157 |
| Loan loss allowance to noncurrent loans | 41.0900% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 5.4084% | 1,151 |
| Noncurrent loans to loans | 3.5396% | 2,255 |
| Net loans and leases to total assets | 88.9897% | 97 |
| Net loans and leases to deposits | 110.7426% | 273 |
| Net loans and leases to core deposits | 110.7426% | 1,232 |
| Total domestic deposits to total assets | 80.3572% | 5,664 |
| Equity capital to assets | 8.8177% | 5,514 |
| Core capital (leverage) ratio | 8.8592% | 4,782 |
| Tier 1 risk-based capital ratio | 9.7667% | 7,168 |
| Total risk-based capital ratio | 11.0193% | 7,167 |
| Memoranda: | ||
| Average total assets | $35,887,500 | 7,239 |
| Average earning assets | $33,180,500 | 7,195 |
| Average equity | $3,217,000 | 7,432 |
| Average total loans | $32,317,500 | 6,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1555% | 223 |
| Cost of funding earning assets | 2.1711% | 2,154 |
| Net interest margin | 4.9844% | 463 |
| Noninterest income to average assets | 0.3414% | 5,646 |
| Noninterest expense to average assets | 2.7315% | 5,239 |
| Loan and lease loss provision to assets | 1.2054% | 1,910 |
| Net operating income to assets | 0.9442% | 2,027 |
| Return on assets (ROA) | 0.9442% | 2,084 |
| Pretax return on assets | 0.9442% | 2,782 |
| Return on Equity (ROE) | 9.9818% | 1,697 |
| Retained earnings to average equity (ytd only) | 3.5470% | 2,693 |
| Net charge-offs to loans | 0.6354% | 3,292 |
| Credit loss provision to net charge-offs | 217.1123% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.8717% | 3,160 |
| Efficiency ratio | 55.9611% | 7,019 |
| Assets per employee ($millions) | 3.9566% | 3,904 |
| Cash dividends to net income (ytd only)* | 64.4654% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 4,415 |
| Loan loss allowance to noncurrent loans | 50.1149% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 4.7881% | 1,315 |
| Noncurrent loans to loans | 2.7208% | 2,843 |
| Net loans and leases to total assets | 88.5731% | 148 |
| Net loans and leases to deposits | 109.8610% | 386 |
| Net loans and leases to core deposits | 121.8090% | 1,796 |
| Total domestic deposits to total assets | 80.6229% | 5,460 |
| Equity capital to assets | 9.1129% | 4,969 |
| Core capital (leverage) ratio | 8.8334% | 4,714 |
| Tier 1 risk-based capital ratio | 10.3538% | 6,537 |
| Total risk-based capital ratio | 11.6056% | 6,505 |
| Memoranda: | ||
| Average total assets | $33,681,000 | 7,341 |
| Average earning assets | $30,675,600 | 7,327 |
| Average equity | $3,185,800 | 7,538 |
| Average total loans | $29,431,600 | 6,664 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1486% | 244 |
| Cost of funding earning assets | 2.2176% | 2,320 |
| Net interest margin | 4.9310% | 513 |
| Noninterest income to average assets | 0.3012% | 6,065 |
| Noninterest expense to average assets | 2.6827% | 5,399 |
| Loan and lease loss provision to assets | 0.8595% | 2,230 |
| Net operating income to assets | 1.2329% | 1,393 |
| Return on assets (ROA) | 1.2329% | 1,454 |
| Pretax return on assets | 1.2329% | 2,155 |
| Return on Equity (ROE) | 12.9082% | 1,130 |
| Retained earnings to average equity (ytd only) | 4.2889% | 2,876 |
| Net charge-offs to loans | 0.2639% | 4,393 |
| Credit loss provision to net charge-offs | 375.4386% | 1,072 |
| Earnings coverage of net charge-offs (x) | 9.1401% | 2,145 |
| Efficiency ratio | 56.1817% | 6,974 |
| Assets per employee ($millions) | 3.8999% | 3,942 |
| Cash dividends to net income (ytd only)* | 66.7766% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,079 |
| Loan loss allowance to noncurrent loans | 78.9030% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 3.6098% | 1,824 |
| Noncurrent loans to loans | 1.5272% | 4,362 |
| Net loans and leases to total assets | 87.3643% | 244 |
| Net loans and leases to deposits | 116.7263% | 259 |
| Net loans and leases to core deposits | 127.4163% | 1,627 |
| Total domestic deposits to total assets | 74.8454% | 6,801 |
| Equity capital to assets | 9.2253% | 5,123 |
| Core capital (leverage) ratio | 9.5789% | 3,811 |
| Tier 1 risk-based capital ratio | 10.7148% | 6,233 |
| Total risk-based capital ratio | 11.9581% | 6,213 |
| Memoranda: | ||
| Average total assets | $33,199,000 | 7,419 |
| Average earning assets | $30,121,750 | 7,409 |
| Average equity | $3,171,000 | 7,612 |
| Average total loans | $28,795,500 | 6,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2523% | 225 |
| Cost of funding earning assets | 2.2880% | 2,399 |
| Net interest margin | 4.9642% | 471 |
| Noninterest income to average assets | 0.3316% | 5,859 |
| Noninterest expense to average assets | 2.9110% | 4,461 |
| Loan and lease loss provision to assets | 0.7861% | 2,121 |
| Net operating income to assets | 1.1116% | 1,732 |
| Return on assets (ROA) | 1.1116% | 1,811 |
| Pretax return on assets | 1.1116% | 2,597 |
| Return on Equity (ROE) | 11.4969% | 1,561 |
| Retained earnings to average equity (ytd only) | -1.5245% | 5,624 |
| Net charge-offs to loans | 0.4064% | 3,166 |
| Credit loss provision to net charge-offs | 224.5614% | 2,050 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 2,837 |
| Efficiency ratio | 60.5364% | 6,462 |
| Assets per employee ($millions) | 3.7274% | 4,262 |
| Cash dividends to net income (ytd only)* | 113.2597% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 6,331 |
| Loan loss allowance to noncurrent loans | 64.5740% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 3.4876% | 1,783 |
| Noncurrent loans to loans | 1.5309% | 4,203 |
| Net loans and leases to total assets | 85.9868% | 380 |
| Net loans and leases to deposits | 107.9243% | 658 |
| Net loans and leases to core deposits | 117.1364% | 2,615 |
| Total domestic deposits to total assets | 79.6733% | 5,565 |
| Equity capital to assets | 9.2795% | 4,909 |
| Core capital (leverage) ratio | 9.3508% | 4,096 |
| Tier 1 risk-based capital ratio | 10.7602% | 6,126 |
| Total risk-based capital ratio | 11.7608% | 6,315 |
| Memoranda: | ||
| Average total assets | $32,565,670 | 7,506 |
| Average earning assets | $29,370,000 | 7,511 |
| Average equity | $3,148,670 | 7,684 |
| Average total loans | $28,048,000 | 6,842 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3945% | 193 |
| Cost of funding earning assets | 2.2656% | 2,861 |
| Net interest margin | 5.1289% | 317 |
| Noninterest income to average assets | 0.1995% | 6,863 |
| Noninterest expense to average assets | 2.8558% | 4,319 |
| Loan and lease loss provision to assets | 1.2471% | 1,034 |
| Net operating income to assets | 0.6984% | 3,565 |
| Return on assets (ROA) | 0.6984% | 3,755 |
| Pretax return on assets | 0.6984% | 4,443 |
| Return on Equity (ROE) | 7.0741% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.0741% | 2,183 |
| Net charge-offs to loans | 0.7999% | 1,615 |
| Credit loss provision to net charge-offs | 181.8182% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.8364% | 3,360 |
| Efficiency ratio | 59.4805% | 6,480 |
| Assets per employee ($millions) | 3.5369% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,513 |
| Loan loss allowance to noncurrent loans | 63.5922% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 3.6253% | 1,464 |
| Noncurrent loans to loans | 1.4894% | 4,058 |
| Net loans and leases to total assets | 86.0769% | 431 |
| Net loans and leases to deposits | 106.9727% | 793 |
| Net loans and leases to core deposits | 116.4966% | 2,743 |
| Total domestic deposits to total assets | 80.4662% | 5,184 |
| Equity capital to assets | 10.0276% | 3,974 |
| Core capital (leverage) ratio | 10.0462% | 3,357 |
| Tier 1 risk-based capital ratio | 11.8194% | 5,101 |
| Total risk-based capital ratio | 12.7945% | 5,262 |
| Memoranda: | ||
| Average total assets | $32,075,000 | 7,564 |
| Average earning assets | $28,778,000 | 7,582 |
| Average equity | $3,166,500 | 7,733 |
| Average total loans | $27,505,000 | 6,911 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7210% | 270 |
| Cost of funding earning assets | 2.6717% | 3,308 |
| Net interest margin | 5.0493% | 454 |
| Noninterest income to average assets | 0.5329% | 4,376 |
| Noninterest expense to average assets | 2.8724% | 4,533 |
| Loan and lease loss provision to assets | 0.7311% | 2,024 |
| Net operating income to assets | 1.5597% | 910 |
| Return on assets (ROA) | 1.5597% | 882 |
| Pretax return on assets | 1.5597% | 1,515 |
| Return on Equity (ROE) | 15.6648% | 823 |
| Retained earnings to average equity (ytd only) | 6.7228% | 1,255 |
| Net charge-offs to loans | 1.0337% | 1,197 |
| Credit loss provision to net charge-offs | 81.2274% | 5,876 |
| Earnings coverage of net charge-offs (x) | 2.5451% | 4,802 |
| Efficiency ratio | 55.6325% | 7,068 |
| Assets per employee ($millions) | 3.5909% | 4,434 |
| Cash dividends to net income (ytd only)* | 57.0833% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 7,134 |
| Loan loss allowance to noncurrent loans | 50.4651% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 3.6172% | 1,218 |
| Noncurrent loans to loans | 1.5723% | 3,422 |
| Net loans and leases to total assets | 83.9501% | 894 |
| Net loans and leases to deposits | 110.0426% | 831 |
| Net loans and leases to core deposits | 120.2349% | 2,662 |
| Total domestic deposits to total assets | 76.2888% | 6,173 |
| Equity capital to assets | 9.7190% | 4,400 |
| Core capital (leverage) ratio | 10.2385% | 3,225 |
| Tier 1 risk-based capital ratio | 11.4612% | 5,274 |
| Total risk-based capital ratio | 12.2581% | 5,618 |
| Memoranda: | ||
| Average total assets | $30,776,000 | 7,610 |
| Average earning assets | $28,221,600 | 7,609 |
| Average equity | $3,064,200 | 7,817 |
| Average total loans | $26,798,200 | 6,913 |