Home > The First National Bank of Gilbert > Performance and Condition Ratios
The First National Bank of Gilbert, 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 | 4.3628% | 3,340 |
| Cost of funding earning assets | 1.3754% | 2,295 |
| Net interest margin | 2.9874% | 3,309 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.3284% | 2,779 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4320% | 3,804 |
| Return on assets (ROA) | 0.4225% | 3,821 |
| Pretax return on assets | 0.5864% | 3,660 |
| Return on Equity (ROE) | 5.8300% | 3,553 |
| Retained earnings to average equity (ytd only) | 1.7833% | 3,629 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.6583% | 1,018 |
| Assets per employee ($millions) | 6.6249% | 2,323 |
| Cash dividends to net income (ytd only)* | 69.4006% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,194 |
| Loan loss allowance to noncurrent loans | 526.6667% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,514 |
| Noncurrent loans to loans | 0.1944% | 2,541 |
| Net loans and leases to total assets | 76.8500% | 995 |
| Net loans and leases to deposits | 97.0115% | 712 |
| Net loans and leases to core deposits | 103.4371% | 1,249 |
| Total domestic deposits to total assets | 79.2100% | 3,581 |
| Equity capital to assets | 6.8944% | 3,977 |
| Core capital (leverage) ratio | 7.3947% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4203% | 1,712 |
| Memoranda: | ||
| Average total assets | $75,030,600 | 4,065 |
| Average earning assets | $70,162,000 | 4,035 |
| Average equity | $5,439,400 | 4,219 |
| Average total loans | $60,185,400 | 3,707 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 3,316 |
| Cost of funding earning assets | 1.2795% | 2,199 |
| Net interest margin | 3.0086% | 3,325 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.2440% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7360% | 3,215 |
| Return on assets (ROA) | 0.7017% | 3,300 |
| Pretax return on assets | 0.7017% | 3,548 |
| Return on Equity (ROE) | 9.5500% | 2,785 |
| Retained earnings to average equity (ytd only) | 6.8519% | 2,343 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.3027% | 1,242 |
| Assets per employee ($millions) | 6.3078% | 2,489 |
| Cash dividends to net income (ytd only)* | 28.2776% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,393 |
| Loan loss allowance to noncurrent loans | 505.8333% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,525 |
| Noncurrent loans to loans | 0.1970% | 2,567 |
| Net loans and leases to total assets | 79.6800% | 687 |
| Net loans and leases to deposits | 102.0524% | 432 |
| Net loans and leases to core deposits | 105.9367% | 1,019 |
| Total domestic deposits to total assets | 78.0800% | 3,806 |
| Equity capital to assets | 7.3930% | 3,417 |
| Core capital (leverage) ratio | 7.8257% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1152% | 1,529 |
| Memoranda: | ||
| Average total assets | $73,913,500 | 4,095 |
| Average earning assets | $69,089,000 | 4,066 |
| Average equity | $5,429,000 | 4,231 |
| Average total loans | $59,800,750 | 3,719 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 3,294 |
| Cost of funding earning assets | 1.1668% | 2,087 |
| Net interest margin | 3.0326% | 3,345 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.2668% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7256% | 3,280 |
| Return on assets (ROA) | 0.6847% | 3,377 |
| Pretax return on assets | 0.6847% | 3,630 |
| Return on Equity (ROE) | 9.3400% | 2,876 |
| Retained earnings to average equity (ytd only) | 5.2481% | 2,878 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.7521% | 1,193 |
| Assets per employee ($millions) | 6.0942% | 2,630 |
| Cash dividends to net income (ytd only)* | 43.8247% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,418 |
| Loan loss allowance to noncurrent loans | 505.8333% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,418 |
| Noncurrent loans to loans | 0.1977% | 2,473 |
| Net loans and leases to total assets | 82.1800% | 404 |
| Net loans and leases to deposits | 105.9554% | 311 |
| Net loans and leases to core deposits | 109.6355% | 840 |
| Total domestic deposits to total assets | 77.5600% | 3,893 |
| Equity capital to assets | 7.4265% | 3,566 |
| Core capital (leverage) ratio | 7.8408% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6208% | 1,688 |
| Memoranda: | ||
| Average total assets | $73,320,333 | 4,116 |
| Average earning assets | $68,390,333 | 4,090 |
| Average equity | $5,373,333 | 4,261 |
| Average total loans | $59,427,333 | 3,730 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,360 |
| Cost of funding earning assets | 1.0049% | 2,034 |
| Net interest margin | 3.0439% | 3,483 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.2284% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7682% | 3,302 |
| Return on assets (ROA) | 0.6756% | 3,470 |
| Pretax return on assets | 0.6756% | 3,707 |
| Return on Equity (ROE) | 9.2800% | 2,975 |
| Retained earnings to average equity (ytd only) | 9.2806% | 1,867 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3636% | 1,305 |
| Assets per employee ($millions) | 6.1258% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,360 |
| Loan loss allowance to noncurrent loans | 505.8333% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,364 |
| Noncurrent loans to loans | 0.2047% | 2,451 |
| Net loans and leases to total assets | 78.9100% | 658 |
| Net loans and leases to deposits | 101.5475% | 380 |
| Net loans and leases to core deposits | 103.9552% | 927 |
| Total domestic deposits to total assets | 77.7100% | 4,028 |
| Equity capital to assets | 7.3908% | 3,624 |
| Core capital (leverage) ratio | 7.7707% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9951% | 1,630 |
| Memoranda: | ||
| Average total assets | $73,415,500 | 4,170 |
| Average earning assets | $68,465,000 | 4,147 |
| Average equity | $5,344,500 | 4,322 |
| Average total loans | $58,787,500 | 3,775 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 1,517 |
| Cost of funding earning assets | 0.5623% | 1,055 |
| Net interest margin | 3.5179% | 1,873 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.4614% | 2,233 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6346% | 3,792 |
| Return on assets (ROA) | 0.6557% | 3,693 |
| Pretax return on assets | 0.9155% | 3,311 |
| Return on Equity (ROE) | 9.6000% | 2,943 |
| Retained earnings to average equity (ytd only) | 5.4864% | 2,833 |
| Net charge-offs to loans | -0.0018% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.2312% | 1,537 |
| Assets per employee ($millions) | 6.1101% | 2,669 |
| Cash dividends to net income (ytd only)* | 42.8266% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,207 |
| Loan loss allowance to noncurrent loans | 407.3826% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,153 |
| Noncurrent loans to loans | 0.2527% | 2,257 |
| Net loans and leases to total assets | 79.5900% | 639 |
| Net loans and leases to deposits | 102.2033% | 357 |
| Net loans and leases to core deposits | 104.6239% | 800 |
| Total domestic deposits to total assets | 77.8700% | 4,106 |
| Equity capital to assets | 7.1685% | 3,570 |
| Core capital (leverage) ratio | 7.5660% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4869% | 1,788 |
| Memoranda: | ||
| Average total assets | $71,220,600 | 4,224 |
| Average earning assets | $66,517,400 | 4,192 |
| Average equity | $4,866,600 | 4,443 |
| Average total loans | $55,199,800 | 3,822 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 1,219 |
| Cost of funding earning assets | 0.4805% | 838 |
| Net interest margin | 3.5454% | 1,533 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.3367% | 2,519 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8594% | 3,037 |
| Return on assets (ROA) | 0.8562% | 3,019 |
| Pretax return on assets | 1.0260% | 2,949 |
| Return on Equity (ROE) | 12.6900% | 1,806 |
| Retained earnings to average equity (ytd only) | 9.8965% | 1,381 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5204% | 2,081 |
| Assets per employee ($millions) | 6.0635% | 2,708 |
| Cash dividends to net income (ytd only)* | 22.0264% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,454 |
| Loan loss allowance to noncurrent loans | 389.9329% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 2,242 |
| Noncurrent loans to loans | 0.2577% | 2,345 |
| Net loans and leases to total assets | 78.6700% | 643 |
| Net loans and leases to deposits | 99.1942% | 400 |
| Net loans and leases to core deposits | 101.5145% | 759 |
| Total domestic deposits to total assets | 79.3100% | 4,156 |
| Equity capital to assets | 7.2895% | 3,348 |
| Core capital (leverage) ratio | 7.6738% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9492% | 1,727 |
| Memoranda: | ||
| Average total assets | $70,695,500 | 4,258 |
| Average earning assets | $66,037,250 | 4,229 |
| Average equity | $4,769,250 | 4,497 |
| Average total loans | $54,259,500 | 3,852 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 968 |
| Cost of funding earning assets | 0.3888% | 994 |
| Net interest margin | 3.5882% | 1,084 |
| Noninterest income to average assets | 0.1543% | 4,242 |
| Noninterest expense to average assets | 2.3969% | 2,230 |
| Loan and lease loss provision to assets | 0.0714% | 1,340 |
| Net operating income to assets | 0.8885% | 2,629 |
| Return on assets (ROA) | 0.8713% | 2,669 |
| Pretax return on assets | 1.0142% | 2,675 |
| Return on Equity (ROE) | 13.2869% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.9305% | 1,311 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4339% | 2,183 |
| Assets per employee ($millions) | 6.0359% | 2,709 |
| Cash dividends to net income (ytd only)* | 32.7869% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.9472% | 823 |
| Net loans and leases to deposits | 94.5205% | 496 |
| Net loans and leases to core deposits | 96.7388% | 802 |
| Total domestic deposits to total assets | 79.2920% | 4,280 |
| Equity capital to assets | 7.2538% | 3,628 |
| Core capital (leverage) ratio | 7.7656% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2251% | 1,647 |
| Memoranda: | ||
| Average total assets | $70,006,667 | 4,310 |
| Average earning assets | $65,325,333 | 4,292 |
| Average equity | $4,591,000 | 4,561 |
| Average total loans | $53,072,000 | 3,912 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 772 |
| Cost of funding earning assets | 0.4231% | 763 |
| Net interest margin | 3.5775% | 932 |
| Noninterest income to average assets | 0.1570% | 4,216 |
| Noninterest expense to average assets | 2.3432% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1571% | 1,361 |
| Return on assets (ROA) | 1.1803% | 1,295 |
| Pretax return on assets | 1.1803% | 1,880 |
| Return on Equity (ROE) | 19.0633% | 277 |
| Retained earnings to average equity (ytd only) | 19.0633% | 118 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9435% | 2,643 |
| Assets per employee ($millions) | 5.6902% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,651 |
| Loan loss allowance to noncurrent loans | 329.8137% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 2,230 |
| Noncurrent loans to loans | 0.3078% | 2,354 |
| Net loans and leases to total assets | 75.8209% | 519 |
| Net loans and leases to deposits | 90.7421% | 472 |
| Net loans and leases to core deposits | 92.8846% | 780 |
| Total domestic deposits to total assets | 83.5564% | 3,854 |
| Equity capital to assets | 6.2872% | 4,501 |
| Core capital (leverage) ratio | 6.3739% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3537% | 2,461 |
| Memoranda: | ||
| Average total assets | $68,794,500 | 4,341 |
| Average earning assets | $64,291,500 | 4,324 |
| Average equity | $4,259,500 | 4,635 |
| Average total loans | $52,187,500 | 3,939 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 1,229 |
| Cost of funding earning assets | 0.3745% | 1,723 |
| Net interest margin | 3.6851% | 1,249 |
| Noninterest income to average assets | 0.1586% | 4,355 |
| Noninterest expense to average assets | 2.5480% | 2,032 |
| Loan and lease loss provision to assets | 0.1496% | 806 |
| Net operating income to assets | 0.6573% | 3,725 |
| Return on assets (ROA) | 0.6987% | 3,685 |
| Pretax return on assets | 0.9291% | 3,424 |
| Return on Equity (ROE) | 11.4014% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.4248% | 815 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2851% | 1,585 |
| Assets per employee ($millions) | 5.3313% | 3,436 |
| Cash dividends to net income (ytd only)* | 8.5653% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,661 |
| Loan loss allowance to noncurrent loans | 149.1573% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 1,304 |
| Noncurrent loans to loans | 0.6837% | 1,467 |
| Net loans and leases to total assets | 74.3662% | 636 |
| Net loans and leases to deposits | 88.6773% | 622 |
| Net loans and leases to core deposits | 90.7268% | 939 |
| Total domestic deposits to total assets | 83.8617% | 3,599 |
| Equity capital to assets | 6.0975% | 4,812 |
| Core capital (leverage) ratio | 6.2036% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6359% | 2,740 |
| Memoranda: | ||
| Average total assets | $66,837,200 | 4,371 |
| Average earning assets | $61,951,400 | 4,363 |
| Average equity | $4,096,000 | 4,698 |
| Average total loans | $48,223,000 | 4,035 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 1,153 |
| Cost of funding earning assets | 0.3768% | 1,880 |
| Net interest margin | 3.7895% | 1,139 |
| Noninterest income to average assets | 0.1289% | 4,549 |
| Noninterest expense to average assets | 2.3759% | 2,516 |
| Loan and lease loss provision to assets | 0.1510% | 744 |
| Net operating income to assets | 0.9166% | 3,194 |
| Return on assets (ROA) | 0.9584% | 3,133 |
| Pretax return on assets | 1.1557% | 3,059 |
| Return on Equity (ROE) | 15.6183% | 1,020 |
| Retained earnings to average equity (ytd only) | 14.9621% | 402 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4102% | 2,186 |
| Assets per employee ($millions) | 5.2218% | 3,478 |
| Cash dividends to net income (ytd only)* | 4.2017% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,860 |
| Loan loss allowance to noncurrent loans | 134.5745% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 1,389 |
| Noncurrent loans to loans | 0.7406% | 1,511 |
| Net loans and leases to total assets | 74.0450% | 688 |
| Net loans and leases to deposits | 88.4245% | 692 |
| Net loans and leases to core deposits | 90.5136% | 1,005 |
| Total domestic deposits to total assets | 83.7382% | 3,527 |
| Equity capital to assets | 6.2932% | 4,877 |
| Core capital (leverage) ratio | 6.3326% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2585% | 2,624 |
| Memoranda: | ||
| Average total assets | $66,219,750 | 4,434 |
| Average earning assets | $61,221,000 | 4,430 |
| Average equity | $4,063,500 | 4,769 |
| Average total loans | $47,260,750 | 4,110 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 1,170 |
| Cost of funding earning assets | 0.3873% | 1,991 |
| Net interest margin | 3.8231% | 1,105 |
| Noninterest income to average assets | 0.1188% | 4,603 |
| Noninterest expense to average assets | 2.4214% | 2,392 |
| Loan and lease loss provision to assets | 0.1523% | 777 |
| Net operating income to assets | 0.8965% | 3,229 |
| Return on assets (ROA) | 0.9503% | 3,148 |
| Pretax return on assets | 1.1269% | 3,123 |
| Return on Equity (ROE) | 15.6234% | 1,035 |
| Retained earnings to average equity (ytd only) | 14.6219% | 480 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5829% | 2,071 |
| Assets per employee ($millions) | 5.4653% | 3,169 |
| Cash dividends to net income (ytd only)* | 6.4103% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,834 |
| Loan loss allowance to noncurrent loans | 123.3333% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 1,408 |
| Noncurrent loans to loans | 0.8073% | 1,519 |
| Net loans and leases to total assets | 72.9244% | 859 |
| Net loans and leases to deposits | 87.3949% | 818 |
| Net loans and leases to core deposits | 89.5333% | 1,169 |
| Total domestic deposits to total assets | 83.4424% | 3,596 |
| Equity capital to assets | 6.2653% | 4,907 |
| Core capital (leverage) ratio | 6.3017% | 4,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0987% | 2,683 |
| Memoranda: | ||
| Average total assets | $65,665,333 | 4,469 |
| Average earning assets | $60,421,667 | 4,466 |
| Average equity | $3,994,000 | 4,804 |
| Average total loans | $46,091,000 | 4,150 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 805 |
| Cost of funding earning assets | 0.3798% | 2,263 |
| Net interest margin | 4.0979% | 721 |
| Noninterest income to average assets | 0.1278% | 4,560 |
| Noninterest expense to average assets | 2.2890% | 2,826 |
| Loan and lease loss provision to assets | 0.1826% | 675 |
| Net operating income to assets | 1.2978% | 1,836 |
| Return on assets (ROA) | 1.3941% | 1,663 |
| Pretax return on assets | 1.5037% | 1,982 |
| Return on Equity (ROE) | 23.2694% | 324 |
| Retained earnings to average equity (ytd only) | 23.2694% | 174 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1195% | 3,140 |
| Assets per employee ($millions) | 5.4350% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,812 |
| Loan loss allowance to noncurrent loans | 112.7139% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 1,514 |
| Noncurrent loans to loans | 0.8925% | 1,517 |
| Net loans and leases to total assets | 69.5600% | 1,348 |
| Net loans and leases to deposits | 83.0426% | 1,244 |
| Net loans and leases to core deposits | 85.0716% | 1,585 |
| Total domestic deposits to total assets | 83.7642% | 3,504 |
| Equity capital to assets | 6.2098% | 4,926 |
| Core capital (leverage) ratio | 6.1421% | 4,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0440% | 2,649 |
| Memoranda: | ||
| Average total assets | $65,706,500 | 4,485 |
| Average earning assets | $60,030,500 | 4,487 |
| Average equity | $3,936,500 | 4,829 |
| Average total loans | $44,983,000 | 4,189 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 1,637 |
| Cost of funding earning assets | 0.4976% | 2,967 |
| Net interest margin | 3.8843% | 1,257 |
| Noninterest income to average assets | 0.1438% | 4,578 |
| Noninterest expense to average assets | 2.6110% | 2,513 |
| Loan and lease loss provision to assets | 0.1953% | 2,001 |
| Net operating income to assets | 0.6605% | 3,558 |
| Return on assets (ROA) | 0.6479% | 3,728 |
| Pretax return on assets | 0.8822% | 3,419 |
| Return on Equity (ROE) | 9.9989% | 2,008 |
| Retained earnings to average equity (ytd only) | 8.9031% | 794 |
| Net charge-offs to loans | 0.0179% | 2,729 |
| Credit loss provision to net charge-offs | 1,571.4286% | 531 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 853 |
| Efficiency ratio | 70.4839% | 1,883 |
| Assets per employee ($millions) | 5.0918% | 3,290 |
| Cash dividends to net income (ytd only)* | 10.9589% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,958 |
| Loan loss allowance to noncurrent loans | 100.4662% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 1,619 |
| Noncurrent loans to loans | 0.9720% | 1,454 |
| Net loans and leases to total assets | 66.0296% | 2,090 |
| Net loans and leases to deposits | 81.2292% | 1,740 |
| Net loans and leases to core deposits | 85.6849% | 1,898 |
| Total domestic deposits to total assets | 81.2881% | 3,810 |
| Equity capital to assets | 5.7755% | 4,980 |
| Core capital (leverage) ratio | 5.9960% | 4,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3179% | 2,838 |
| Memoranda: | ||
| Average total assets | $56,338,000 | 4,566 |
| Average earning assets | $51,643,400 | 4,564 |
| Average equity | $3,650,400 | 4,868 |
| Average total loans | $39,100,200 | 4,325 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 1,812 |
| Cost of funding earning assets | 0.5347% | 3,027 |
| Net interest margin | 3.8821% | 1,394 |
| Noninterest income to average assets | 0.1534% | 4,526 |
| Noninterest expense to average assets | 2.5837% | 2,583 |
| Loan and lease loss provision to assets | 0.1986% | 1,999 |
| Net operating income to assets | 0.8470% | 2,919 |
| Return on assets (ROA) | 0.7969% | 3,223 |
| Pretax return on assets | 0.9083% | 3,361 |
| Return on Equity (ROE) | 11.9017% | 1,400 |
| Retained earnings to average equity (ytd only) | 11.1624% | 542 |
| Net charge-offs to loans | 0.0247% | 2,344 |
| Credit loss provision to net charge-offs | 1,142.8571% | 761 |
| Earnings coverage of net charge-offs (x) | 67.1429% | 1,024 |
| Efficiency ratio | 68.9564% | 2,048 |
| Assets per employee ($millions) | 5.2447% | 2,958 |
| Cash dividends to net income (ytd only)* | 6.2112% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,949 |
| Loan loss allowance to noncurrent loans | 89.9103% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 1,649 |
| Noncurrent loans to loans | 1.0414% | 1,435 |
| Net loans and leases to total assets | 67.4145% | 2,331 |
| Net loans and leases to deposits | 80.6953% | 2,239 |
| Net loans and leases to core deposits | 85.2225% | 2,365 |
| Total domestic deposits to total assets | 83.5420% | 2,977 |
| Equity capital to assets | 6.0395% | 5,005 |
| Core capital (leverage) ratio | 6.4759% | 5,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6949% | 2,727 |
| Memoranda: | ||
| Average total assets | $53,874,250 | 4,621 |
| Average earning assets | $49,868,750 | 4,607 |
| Average equity | $3,607,250 | 4,896 |
| Average total loans | $37,840,750 | 4,376 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 1,983 |
| Cost of funding earning assets | 0.5873% | 3,030 |
| Net interest margin | 3.8912% | 1,589 |
| Noninterest income to average assets | 0.1494% | 4,558 |
| Noninterest expense to average assets | 2.7176% | 2,330 |
| Loan and lease loss provision to assets | 0.2360% | 1,793 |
| Net operating income to assets | 0.6868% | 3,439 |
| Return on assets (ROA) | 0.6175% | 3,755 |
| Pretax return on assets | 0.7354% | 3,782 |
| Return on Equity (ROE) | 8.8634% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.7343% | 1,391 |
| Net charge-offs to loans | 0.0387% | 1,972 |
| Credit loss provision to net charge-offs | 857.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 38.2857% | 1,281 |
| Efficiency ratio | 72.0542% | 1,676 |
| Assets per employee ($millions) | 4.6054% | 3,643 |
| Cash dividends to net income (ytd only)* | 12.7389% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,564 |
| Loan loss allowance to noncurrent loans | 142.1642% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,381 |
| Noncurrent loans to loans | 0.7054% | 2,116 |
| Net loans and leases to total assets | 68.0557% | 2,343 |
| Net loans and leases to deposits | 79.9146% | 2,436 |
| Net loans and leases to core deposits | 84.9467% | 2,525 |
| Total domestic deposits to total assets | 85.1606% | 2,329 |
| Equity capital to assets | 6.5828% | 5,010 |
| Core capital (leverage) ratio | 7.1547% | 4,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4918% | 2,407 |
| Memoranda: | ||
| Average total assets | $50,853,667 | 4,678 |
| Average earning assets | $47,337,333 | 4,666 |
| Average equity | $3,542,667 | 4,933 |
| Average total loans | $36,178,000 | 4,426 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 2,799 |
| Cost of funding earning assets | 0.6452% | 3,190 |
| Net interest margin | 3.6943% | 2,344 |
| Noninterest income to average assets | 0.1562% | 4,593 |
| Noninterest expense to average assets | 2.7956% | 2,445 |
| Loan and lease loss provision to assets | 0.4111% | 739 |
| Net operating income to assets | 0.2061% | 4,518 |
| Return on assets (ROA) | -0.0082% | 4,746 |
| Pretax return on assets | 0.1151% | 4,649 |
| Return on Equity (ROE) | -0.1144% | 4,750 |
| Retained earnings to average equity (ytd only) | -0.1144% | 4,009 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8032% | 1,360 |
| Assets per employee ($millions) | 4.4138% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,361 |
| Loan loss allowance to noncurrent loans | 138.9706% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 2,316 |
| Noncurrent loans to loans | 0.7680% | 2,078 |
| Net loans and leases to total assets | 72.1700% | 1,897 |
| Net loans and leases to deposits | 82.8290% | 2,348 |
| Net loans and leases to core deposits | 88.6640% | 2,471 |
| Total domestic deposits to total assets | 87.1313% | 1,504 |
| Equity capital to assets | 7.2005% | 5,059 |
| Core capital (leverage) ratio | 7.1160% | 5,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0134% | 2,279 |
| Memoranda: | ||
| Average total assets | $48,648,000 | 4,731 |
| Average earning assets | $45,259,500 | 4,717 |
| Average equity | $3,495,000 | 4,979 |
| Average total loans | $35,271,000 | 4,471 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 2,628 |
| Cost of funding earning assets | 0.4955% | 4,114 |
| Net interest margin | 4.1008% | 1,542 |
| Noninterest income to average assets | 0.2298% | 4,291 |
| Noninterest expense to average assets | 3.3462% | 1,214 |
| Loan and lease loss provision to assets | 0.1577% | 1,333 |
| Net operating income to assets | 0.3831% | 4,626 |
| Return on assets (ROA) | 0.3831% | 4,655 |
| Pretax return on assets | 0.5115% | 4,555 |
| Return on Equity (ROE) | 4.9632% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.8246% | 3,065 |
| Net charge-offs to loans | 0.0096% | 3,342 |
| Credit loss provision to net charge-offs | 2,333.3333% | 170 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 685 |
| Efficiency ratio | 83.3333% | 699 |
| Assets per employee ($millions) | 4.0620% | 3,829 |
| Cash dividends to net income (ytd only)* | 22.9412% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 3,822 |
| Loan loss allowance to noncurrent loans | 119.2727% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 2,197 |
| Noncurrent loans to loans | 0.7829% | 1,943 |
| Net loans and leases to total assets | 71.3852% | 2,189 |
| Net loans and leases to deposits | 83.9024% | 2,348 |
| Net loans and leases to core deposits | 89.9284% | 2,437 |
| Total domestic deposits to total assets | 85.0812% | 2,457 |
| Equity capital to assets | 7.1681% | 5,127 |
| Core capital (leverage) ratio | 7.2048% | 5,126 |
| Tier 1 risk-based capital ratio | 12.4968% | 4,068 |
| Total risk-based capital ratio | 13.6999% | 3,974 |
| Memoranda: | ||
| Average total assets | $44,378,800 | 4,842 |
| Average earning assets | $40,967,400 | 4,830 |
| Average equity | $3,425,200 | 5,045 |
| Average total loans | $31,301,800 | 4,613 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 2,807 |
| Cost of funding earning assets | 0.4710% | 4,257 |
| Net interest margin | 4.1051% | 1,596 |
| Noninterest income to average assets | 0.2556% | 4,209 |
| Noninterest expense to average assets | 3.0955% | 1,723 |
| Loan and lease loss provision to assets | 0.0616% | 2,669 |
| Net operating income to assets | 0.8439% | 3,534 |
| Return on assets (ROA) | 0.8439% | 3,619 |
| Pretax return on assets | 0.8840% | 3,929 |
| Return on Equity (ROE) | 10.7195% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.9762% | 752 |
| Net charge-offs to loans | 0.0132% | 2,903 |
| Credit loss provision to net charge-offs | 666.6667% | 499 |
| Earnings coverage of net charge-offs (x) | 102.3300% | 740 |
| Efficiency ratio | 76.6006% | 1,255 |
| Assets per employee ($millions) | 4.5623% | 3,107 |
| Cash dividends to net income (ytd only)* | 6.9336% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,237 |
| Loan loss allowance to noncurrent loans | 5,560.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,705 |
| Noncurrent loans to loans | 0.0153% | 4,608 |
| Net loans and leases to total assets | 71.2031% | 2,289 |
| Net loans and leases to deposits | 82.7138% | 2,591 |
| Net loans and leases to core deposits | 89.0024% | 2,636 |
| Total domestic deposits to total assets | 86.0838% | 1,957 |
| Equity capital to assets | 7.8645% | 5,157 |
| Core capital (leverage) ratio | 7.9455% | 5,132 |
| Tier 1 risk-based capital ratio | 13.8499% | 3,400 |
| Total risk-based capital ratio | 14.9499% | 3,384 |
| Memoranda: | ||
| Average total assets | $43,287,500 | 4,918 |
| Average earning assets | $39,916,750 | 4,914 |
| Average equity | $3,408,000 | 5,120 |
| Average total loans | $30,346,250 | 4,695 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,915 |
| Cost of funding earning assets | 0.4807% | 4,203 |
| Net interest margin | 4.0498% | 1,764 |
| Noninterest income to average assets | 0.2682% | 4,143 |
| Noninterest expense to average assets | 3.1805% | 1,549 |
| Loan and lease loss provision to assets | 0.0470% | 2,873 |
| Net operating income to assets | 0.7434% | 3,859 |
| Return on assets (ROA) | 0.7434% | 3,917 |
| Pretax return on assets | 0.7669% | 4,179 |
| Return on Equity (ROE) | 9.4385% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.3035% | 1,279 |
| Net charge-offs to loans | 0.0203% | 2,452 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 1,004 |
| Efficiency ratio | 79.6231% | 998 |
| Assets per employee ($millions) | 3.9375% | 3,956 |
| Cash dividends to net income (ytd only)* | 12.0253% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,137 |
| Loan loss allowance to noncurrent loans | 2,436.3636% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,656 |
| Noncurrent loans to loans | 0.0365% | 4,529 |
| Net loans and leases to total assets | 68.8800% | 2,691 |
| Net loans and leases to deposits | 77.3342% | 3,212 |
| Net loans and leases to core deposits | 81.0640% | 3,337 |
| Total domestic deposits to total assets | 89.0679% | 642 |
| Equity capital to assets | 8.0161% | 5,171 |
| Core capital (leverage) ratio | 8.0138% | 5,167 |
| Tier 1 risk-based capital ratio | 14.4436% | 3,094 |
| Total risk-based capital ratio | 15.5875% | 3,069 |
| Memoranda: | ||
| Average total assets | $42,509,000 | 4,974 |
| Average earning assets | $39,113,000 | 4,967 |
| Average equity | $3,348,000 | 5,167 |
| Average total loans | $29,540,670 | 4,749 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 2,994 |
| Cost of funding earning assets | 0.4960% | 4,078 |
| Net interest margin | 3.9676% | 1,958 |
| Noninterest income to average assets | 0.2660% | 4,099 |
| Noninterest expense to average assets | 3.0494% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8645% | 3,380 |
| Return on assets (ROA) | 0.8645% | 3,431 |
| Pretax return on assets | 0.8645% | 3,882 |
| Return on Equity (ROE) | 11.0773% | 1,916 |
| Retained earnings to average equity (ytd only) | 11.0773% | 785 |
| Net charge-offs to loans | -0.0273% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9126% | 1,276 |
| Assets per employee ($millions) | 3.5929% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,229 |
| Loan loss allowance to noncurrent loans | 2,023.0769% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,694 |
| Noncurrent loans to loans | 0.0436% | 4,568 |
| Net loans and leases to total assets | 68.4681% | 2,696 |
| Net loans and leases to deposits | 74.6850% | 3,385 |
| Net loans and leases to core deposits | 81.0077% | 3,271 |
| Total domestic deposits to total assets | 91.6758% | 79 |
| Equity capital to assets | 7.7537% | 5,227 |
| Core capital (leverage) ratio | 7.8205% | 5,245 |
| Tier 1 risk-based capital ratio | 14.2870% | 3,199 |
| Total risk-based capital ratio | 15.4343% | 3,173 |
| Memoranda: | ||
| Average total assets | $42,107,000 | 5,034 |
| Average earning assets | $38,713,500 | 5,021 |
| Average equity | $3,286,000 | 5,225 |
| Average total loans | $29,260,000 | 4,806 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,805 |
| Cost of funding earning assets | 0.3327% | 4,392 |
| Net interest margin | 4.0545% | 1,808 |
| Noninterest income to average assets | 0.2942% | 4,138 |
| Noninterest expense to average assets | 3.4493% | 1,072 |
| Loan and lease loss provision to assets | 0.0525% | 3,133 |
| Net operating income to assets | 0.4545% | 4,758 |
| Return on assets (ROA) | 0.4545% | 4,757 |
| Pretax return on assets | 0.5385% | 4,743 |
| Return on Equity (ROE) | 5.4029% | 4,351 |
| Retained earnings to average equity (ytd only) | 4.4347% | 3,092 |
| Net charge-offs to loans | -0.0317% | 4,831 |
| Credit loss provision to net charge-offs | -250.0000% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3706% | 562 |
| Assets per employee ($millions) | 3.4249% | 4,634 |
| Cash dividends to net income (ytd only)* | 17.9191% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,121 |
| Loan loss allowance to noncurrent loans | 165.1899% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 3,019 |
| Noncurrent loans to loans | 0.5498% | 2,625 |
| Net loans and leases to total assets | 69.2864% | 2,695 |
| Net loans and leases to deposits | 75.7280% | 3,369 |
| Net loans and leases to core deposits | 79.0583% | 3,496 |
| Total domestic deposits to total assets | 91.4937% | 119 |
| Equity capital to assets | 7.8566% | 5,207 |
| Core capital (leverage) ratio | 8.2081% | 5,168 |
| Tier 1 risk-based capital ratio | 13.7688% | 3,408 |
| Total risk-based capital ratio | 14.8971% | 3,385 |
| Memoranda: | ||
| Average total assets | $38,065,800 | 5,129 |
| Average earning assets | $35,170,400 | 5,109 |
| Average equity | $3,202,000 | 5,267 |
| Average total loans | $25,202,400 | 4,930 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,851 |
| Cost of funding earning assets | 0.2936% | 4,563 |
| Net interest margin | 4.0365% | 1,836 |
| Noninterest income to average assets | 0.2788% | 4,282 |
| Noninterest expense to average assets | 2.9841% | 2,054 |
| Loan and lease loss provision to assets | 0.0536% | 2,900 |
| Net operating income to assets | 0.9435% | 3,333 |
| Return on assets (ROA) | 0.9435% | 3,337 |
| Pretax return on assets | 0.9756% | 3,796 |
| Return on Equity (ROE) | 11.0160% | 2,171 |
| Retained earnings to average equity (ytd only) | 10.3901% | 797 |
| Net charge-offs to loans | -0.0384% | 4,839 |
| Credit loss provision to net charge-offs | -214.2857% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3544% | 1,538 |
| Assets per employee ($millions) | 4.2754% | 3,468 |
| Cash dividends to net income (ytd only)* | 5.6820% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,102 |
| Loan loss allowance to noncurrent loans | 331.1688% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 3,946 |
| Noncurrent loans to loans | 0.2831% | 3,670 |
| Net loans and leases to total assets | 70.0226% | 2,643 |
| Net loans and leases to deposits | 77.1703% | 3,308 |
| Net loans and leases to core deposits | 80.8352% | 3,423 |
| Total domestic deposits to total assets | 90.7378% | 281 |
| Equity capital to assets | 8.6125% | 4,860 |
| Core capital (leverage) ratio | 8.5939% | 5,033 |
| Tier 1 risk-based capital ratio | 14.8192% | 2,960 |
| Total risk-based capital ratio | 15.9776% | 2,928 |
| Memoranda: | ||
| Average total assets | $37,307,500 | 5,204 |
| Average earning assets | $34,517,250 | 5,184 |
| Average equity | $3,195,250 | 5,335 |
| Average total loans | $24,318,750 | 5,017 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 3,110 |
| Cost of funding earning assets | 0.2750% | 4,601 |
| Net interest margin | 3.9257% | 2,123 |
| Noninterest income to average assets | 0.2709% | 4,379 |
| Noninterest expense to average assets | 3.0663% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8181% | 3,796 |
| Return on assets (ROA) | 0.8181% | 3,803 |
| Pretax return on assets | 0.8397% | 4,136 |
| Return on Equity (ROE) | 9.5701% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.6194% | 1,351 |
| Net charge-offs to loans | -0.0514% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5021% | 1,164 |
| Assets per employee ($millions) | 3.6438% | 4,410 |
| Cash dividends to net income (ytd only)* | 9.9338% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.8643% | 3,033 |
| Net loans and leases to deposits | 73.8504% | 3,553 |
| Net loans and leases to core deposits | 75.1743% | 3,801 |
| Total domestic deposits to total assets | 90.5401% | 390 |
| Equity capital to assets | 8.8040% | 4,711 |
| Core capital (leverage) ratio | 8.9085% | 4,774 |
| Tier 1 risk-based capital ratio | 16.3040% | 2,333 |
| Total risk-based capital ratio | 17.4968% | 2,291 |
| Memoranda: | ||
| Average total assets | $36,917,000 | 5,270 |
| Average earning assets | $34,185,000 | 5,256 |
| Average equity | $3,155,670 | 5,400 |
| Average total loans | $23,358,670 | 5,108 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,422 |
| Cost of funding earning assets | 0.2792% | 4,512 |
| Net interest margin | 3.7694% | 2,547 |
| Noninterest income to average assets | 0.4737% | 2,974 |
| Noninterest expense to average assets | 2.9605% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0012% | 2,856 |
| Return on assets (ROA) | 1.0012% | 2,875 |
| Pretax return on assets | 1.0012% | 3,528 |
| Return on Equity (ROE) | 11.8869% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.8869% | 699 |
| Net charge-offs to loans | -0.0176% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7283% | 1,792 |
| Assets per employee ($millions) | 3.7612% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,910 |
| Loan loss allowance to noncurrent loans | 1,114.2857% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,398 |
| Noncurrent loans to loans | 0.0904% | 4,571 |
| Net loans and leases to total assets | 61.1480% | 3,629 |
| Net loans and leases to deposits | 67.2014% | 4,009 |
| Net loans and leases to core deposits | 68.8737% | 4,160 |
| Total domestic deposits to total assets | 90.9922% | 325 |
| Equity capital to assets | 8.3989% | 5,047 |
| Core capital (leverage) ratio | 8.2250% | 5,299 |
| Tier 1 risk-based capital ratio | 15.6748% | 2,603 |
| Total risk-based capital ratio | 16.8805% | 2,560 |
| Memoranda: | ||
| Average total assets | $37,156,500 | 5,325 |
| Average earning assets | $34,382,000 | 5,305 |
| Average equity | $3,129,500 | 5,460 |
| Average total loans | $22,736,500 | 5,185 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,595 |
| Cost of funding earning assets | 0.2768% | 4,350 |
| Net interest margin | 3.6670% | 2,927 |
| Noninterest income to average assets | 0.2806% | 4,453 |
| Noninterest expense to average assets | 3.2503% | 1,504 |
| Loan and lease loss provision to assets | 0.0417% | 3,426 |
| Net operating income to assets | 0.2850% | 4,958 |
| Return on assets (ROA) | 0.3167% | 4,916 |
| Pretax return on assets | 0.4167% | 5,066 |
| Return on Equity (ROE) | 3.6855% | 4,610 |
| Retained earnings to average equity (ytd only) | 2.7803% | 3,642 |
| Net charge-offs to loans | -0.0495% | 5,179 |
| Credit loss provision to net charge-offs | -150.0000% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6364% | 494 |
| Assets per employee ($millions) | 3.6701% | 4,480 |
| Cash dividends to net income (ytd only)* | 24.5614% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.9629% | 3,835 |
| Net loans and leases to deposits | 65.9801% | 4,193 |
| Net loans and leases to core deposits | 67.6660% | 4,320 |
| Total domestic deposits to total assets | 90.8804% | 273 |
| Equity capital to assets | 8.4466% | 5,159 |
| Core capital (leverage) ratio | 8.2933% | 5,291 |
| Tier 1 risk-based capital ratio | 15.8713% | 2,482 |
| Total risk-based capital ratio | 17.1027% | 2,435 |
| Memoranda: | ||
| Average total assets | $35,997,200 | 5,395 |
| Average earning assets | $33,242,200 | 5,382 |
| Average equity | $3,093,200 | 5,519 |
| Average total loans | $20,192,000 | 5,309 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,723 |
| Cost of funding earning assets | 0.2781% | 4,336 |
| Net interest margin | 3.6076% | 3,121 |
| Noninterest income to average assets | 0.2978% | 4,403 |
| Noninterest expense to average assets | 2.7208% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8732% | 3,158 |
| Return on assets (ROA) | 0.9268% | 2,956 |
| Pretax return on assets | 0.9640% | 3,824 |
| Return on Equity (ROE) | 10.7388% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.1352% | 557 |
| Net charge-offs to loans | -0.0474% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9744% | 1,749 |
| Assets per employee ($millions) | 3.6759% | 4,485 |
| Cash dividends to net income (ytd only)* | 5.6237% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.0505% | 4,316 |
| Net loans and leases to deposits | 60.7724% | 4,592 |
| Net loans and leases to core deposits | 62.3260% | 4,695 |
| Total domestic deposits to total assets | 90.5846% | 301 |
| Equity capital to assets | 8.7652% | 5,107 |
| Core capital (leverage) ratio | 8.6644% | 5,097 |
| Tier 1 risk-based capital ratio | 17.2675% | 2,072 |
| Total risk-based capital ratio | 18.4563% | 2,046 |
| Memoranda: | ||
| Average total assets | $35,821,250 | 5,461 |
| Average earning assets | $33,077,000 | 5,444 |
| Average equity | $3,091,500 | 5,582 |
| Average total loans | $19,680,000 | 5,381 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 3,620 |
| Cost of funding earning assets | 0.2807% | 4,279 |
| Net interest margin | 3.6008% | 3,037 |
| Noninterest income to average assets | 0.2873% | 4,498 |
| Noninterest expense to average assets | 2.8838% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6928% | 3,875 |
| Return on assets (ROA) | 0.6928% | 3,943 |
| Pretax return on assets | 0.7266% | 4,482 |
| Return on Equity (ROE) | 8.0709% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.1522% | 1,516 |
| Net charge-offs to loans | -0.0412% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8752% | 1,222 |
| Assets per employee ($millions) | 3.4699% | 4,765 |
| Cash dividends to net income (ytd only)* | 11.3821% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.9123% | 4,134 |
| Net loans and leases to deposits | 62.9960% | 4,435 |
| Net loans and leases to core deposits | 64.7072% | 4,558 |
| Total domestic deposits to total assets | 90.3427% | 412 |
| Equity capital to assets | 8.9628% | 4,940 |
| Core capital (leverage) ratio | 8.6046% | 5,141 |
| Tier 1 risk-based capital ratio | 16.7477% | 2,219 |
| Total risk-based capital ratio | 17.9320% | 2,207 |
| Memoranda: | ||
| Average total assets | $35,508,670 | 5,513 |
| Average earning assets | $32,770,330 | 5,495 |
| Average equity | $3,048,000 | 5,631 |
| Average total loans | $19,423,000 | 5,429 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 3,587 |
| Cost of funding earning assets | 0.3007% | 4,038 |
| Net interest margin | 3.5479% | 3,090 |
| Noninterest income to average assets | 0.2784% | 4,557 |
| Noninterest expense to average assets | 2.6397% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9244% | 2,643 |
| Return on assets (ROA) | 0.9244% | 2,700 |
| Pretax return on assets | 0.9244% | 3,678 |
| Return on Equity (ROE) | 11.0043% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.0043% | 609 |
| Net charge-offs to loans | -0.0418% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0625% | 2,223 |
| Assets per employee ($millions) | 3.5961% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.2410% | 4,399 |
| Net loans and leases to deposits | 58.6168% | 4,657 |
| Net loans and leases to core deposits | 59.1693% | 4,821 |
| Total domestic deposits to total assets | 90.8290% | 352 |
| Equity capital to assets | 8.5342% | 5,215 |
| Core capital (leverage) ratio | 8.2799% | 5,391 |
| Tier 1 risk-based capital ratio | 16.9201% | 2,207 |
| Total risk-based capital ratio | 18.1161% | 2,194 |
| Memoranda: | ||
| Average total assets | $35,913,500 | 5,570 |
| Average earning assets | $33,259,000 | 5,548 |
| Average equity | $3,017,000 | 5,696 |
| Average total loans | $19,154,500 | 5,491 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 4,398 |
| Cost of funding earning assets | 0.2894% | 4,180 |
| Net interest margin | 3.3528% | 3,991 |
| Noninterest income to average assets | 0.2975% | 4,610 |
| Noninterest expense to average assets | 2.9081% | 2,649 |
| Loan and lease loss provision to assets | 0.0281% | 3,796 |
| Net operating income to assets | 0.3986% | 4,948 |
| Return on assets (ROA) | 0.3986% | 5,029 |
| Pretax return on assets | 0.4828% | 5,060 |
| Return on Equity (ROE) | 4.4846% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.6319% | 3,337 |
| Net charge-offs to loans | -0.0284% | 5,226 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0575% | 900 |
| Assets per employee ($millions) | 3.5866% | 4,633 |
| Cash dividends to net income (ytd only)* | 19.0141% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,728 |
| Loan loss allowance to noncurrent loans | 1,386.6667% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 5,188 |
| Noncurrent loans to loans | 0.0791% | 4,922 |
| Net loans and leases to total assets | 52.2640% | 4,583 |
| Net loans and leases to deposits | 57.4032% | 4,833 |
| Net loans and leases to core deposits | 57.9426% | 4,970 |
| Total domestic deposits to total assets | 91.0472% | 265 |
| Equity capital to assets | 8.2669% | 5,440 |
| Core capital (leverage) ratio | 8.1149% | 5,552 |
| Tier 1 risk-based capital ratio | 16.5501% | 2,331 |
| Total risk-based capital ratio | 17.7421% | 2,291 |
| Memoranda: | ||
| Average total assets | $35,624,400 | 5,625 |
| Average earning assets | $33,166,400 | 5,604 |
| Average equity | $3,166,400 | 5,739 |
| Average total loans | $17,597,400 | 5,590 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5973% | 4,560 |
| Cost of funding earning assets | 0.2897% | 4,210 |
| Net interest margin | 3.3076% | 4,164 |
| Noninterest income to average assets | 0.2962% | 4,645 |
| Noninterest expense to average assets | 2.5756% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7611% | 3,556 |
| Return on assets (ROA) | 0.7611% | 3,688 |
| Pretax return on assets | 0.8023% | 4,301 |
| Return on Equity (ROE) | 8.4141% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.8337% | 1,240 |
| Net charge-offs to loans | -0.0309% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2486% | 1,941 |
| Assets per employee ($millions) | 3.9864% | 3,993 |
| Cash dividends to net income (ytd only)* | 6.8980% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,807 |
| Loan loss allowance to noncurrent loans | 1,313.3333% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 5,309 |
| Noncurrent loans to loans | 0.0841% | 5,012 |
| Net loans and leases to total assets | 49.1499% | 4,880 |
| Net loans and leases to deposits | 54.1868% | 5,099 |
| Net loans and leases to core deposits | 54.6977% | 5,202 |
| Total domestic deposits to total assets | 90.7046% | 273 |
| Equity capital to assets | 8.6376% | 5,442 |
| Core capital (leverage) ratio | 8.2314% | 5,552 |
| Tier 1 risk-based capital ratio | 17.8208% | 1,969 |
| Total risk-based capital ratio | 19.0061% | 1,947 |
| Memoranda: | ||
| Average total assets | $35,564,000 | 5,685 |
| Average earning assets | $33,134,750 | 5,663 |
| Average equity | $3,216,750 | 5,798 |
| Average total loans | $17,258,500 | 5,662 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5956% | 4,603 |
| Cost of funding earning assets | 0.2906% | 4,244 |
| Net interest margin | 3.3051% | 4,214 |
| Noninterest income to average assets | 0.2933% | 4,686 |
| Noninterest expense to average assets | 2.6453% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7050% | 3,762 |
| Return on assets (ROA) | 0.7050% | 3,912 |
| Pretax return on assets | 0.7276% | 4,539 |
| Return on Equity (ROE) | 7.6781% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.8796% | 1,677 |
| Net charge-offs to loans | -0.0469% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4281% | 1,727 |
| Assets per employee ($millions) | 3.1985% | 5,205 |
| Cash dividends to net income (ytd only)* | 10.4000% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,693 |
| Loan loss allowance to noncurrent loans | 1,231.2500% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,390 |
| Noncurrent loans to loans | 0.0929% | 5,081 |
| Net loans and leases to total assets | 48.3743% | 4,961 |
| Net loans and leases to deposits | 53.3392% | 5,171 |
| Net loans and leases to core deposits | 53.8505% | 5,287 |
| Total domestic deposits to total assets | 90.6918% | 262 |
| Equity capital to assets | 8.5948% | 5,541 |
| Core capital (leverage) ratio | 8.1636% | 5,618 |
| Tier 1 risk-based capital ratio | 17.6248% | 2,042 |
| Total risk-based capital ratio | 18.8283% | 2,015 |
| Memoranda: | ||
| Average total assets | $35,459,330 | 5,754 |
| Average earning assets | $33,040,330 | 5,733 |
| Average equity | $3,256,000 | 5,860 |
| Average total loans | $17,067,670 | 5,736 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 4,700 |
| Cost of funding earning assets | 0.2766% | 4,427 |
| Net interest margin | 3.2947% | 4,242 |
| Noninterest income to average assets | 0.3034% | 4,556 |
| Noninterest expense to average assets | 2.4047% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9664% | 2,428 |
| Return on assets (ROA) | 0.9664% | 2,540 |
| Pretax return on assets | 0.9776% | 3,559 |
| Return on Equity (ROE) | 10.2017% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.2017% | 809 |
| Net charge-offs to loans | -0.0706% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0963% | 2,939 |
| Assets per employee ($millions) | 3.5793% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,692 |
| Loan loss allowance to noncurrent loans | 6,533.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,642 |
| Noncurrent loans to loans | 0.0178% | 5,437 |
| Net loans and leases to total assets | 46.5063% | 5,083 |
| Net loans and leases to deposits | 51.0786% | 5,276 |
| Net loans and leases to core deposits | 51.5580% | 5,373 |
| Total domestic deposits to total assets | 91.0485% | 258 |
| Equity capital to assets | 8.3229% | 5,683 |
| Core capital (leverage) ratio | 8.0316% | 5,751 |
| Tier 1 risk-based capital ratio | 17.8967% | 2,016 |
| Total risk-based capital ratio | 19.1236% | 1,985 |
| Memoranda: | ||
| Average total assets | $35,597,000 | 5,809 |
| Average earning assets | $33,266,000 | 5,785 |
| Average equity | $3,372,000 | 5,896 |
| Average total loans | $16,993,000 | 5,788 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 4,615 |
| Cost of funding earning assets | 0.2871% | 4,397 |
| Net interest margin | 3.3345% | 4,169 |
| Noninterest income to average assets | 0.2584% | 5,044 |
| Noninterest expense to average assets | 2.9893% | 2,587 |
| Loan and lease loss provision to assets | 0.1116% | 2,132 |
| Net operating income to assets | 0.3171% | 5,308 |
| Return on assets (ROA) | 0.3171% | 5,395 |
| Pretax return on assets | 0.2613% | 5,595 |
| Return on Equity (ROE) | 2.8665% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.8049% | 4,702 |
| Net charge-offs to loans | 0.0962% | 2,459 |
| Credit loss provision to net charge-offs | 253.3333% | 1,140 |
| Earnings coverage of net charge-offs (x) | 8.4667% | 2,946 |
| Efficiency ratio | 88.9083% | 767 |
| Assets per employee ($millions) | 3.5401% | 4,745 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.8828% | 5,021 |
| Net loans and leases to deposits | 54.0064% | 5,163 |
| Net loans and leases to core deposits | 54.5329% | 5,279 |
| Total domestic deposits to total assets | 88.6613% | 1,301 |
| Equity capital to assets | 10.6353% | 3,201 |
| Core capital (leverage) ratio | 10.5041% | 2,922 |
| Tier 1 risk-based capital ratio | 23.0556% | 1,008 |
| Total risk-based capital ratio | 24.2730% | 998 |
| Memoranda: | ||
| Average total assets | $34,055,200 | 5,889 |
| Average earning assets | $31,698,600 | 5,863 |
| Average equity | $3,767,600 | 5,891 |
| Average total loans | $15,591,800 | 5,878 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6093% | 4,706 |
| Cost of funding earning assets | 0.2809% | 4,546 |
| Net interest margin | 3.3284% | 4,223 |
| Noninterest income to average assets | 0.2412% | 5,200 |
| Noninterest expense to average assets | 2.6809% | 3,629 |
| Loan and lease loss provision to assets | 0.0988% | 2,202 |
| Net operating income to assets | 0.5536% | 4,579 |
| Return on assets (ROA) | 0.5536% | 4,675 |
| Pretax return on assets | 0.5536% | 5,087 |
| Return on Equity (ROE) | 4.9535% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.2460% | 3,445 |
| Net charge-offs to loans | 0.1140% | 1,985 |
| Credit loss provision to net charge-offs | 192.3077% | 1,379 |
| Earnings coverage of net charge-offs (x) | 12.6942% | 2,384 |
| Efficiency ratio | 80.4270% | 1,599 |
| Assets per employee ($millions) | 3.4432% | 4,903 |
| Cash dividends to net income (ytd only)* | 14.2880% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 4,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.4800% | 5,197 |
| Net loans and leases to deposits | 52.7349% | 5,326 |
| Net loans and leases to core deposits | 53.2650% | 5,447 |
| Total domestic deposits to total assets | 88.1389% | 1,484 |
| Equity capital to assets | 11.1321% | 2,873 |
| Core capital (leverage) ratio | 10.7875% | 2,733 |
| Tier 1 risk-based capital ratio | 24.5708% | 893 |
| Total risk-based capital ratio | 25.7772% | 882 |
| Memoranda: | ||
| Average total assets | $33,718,750 | 5,978 |
| Average earning assets | $31,326,000 | 5,948 |
| Average equity | $3,768,250 | 5,972 |
| Average total loans | $15,203,750 | 5,965 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 4,929 |
| Cost of funding earning assets | 0.2827% | 4,581 |
| Net interest margin | 3.2381% | 4,537 |
| Noninterest income to average assets | 0.2330% | 5,293 |
| Noninterest expense to average assets | 2.7777% | 3,324 |
| Loan and lease loss provision to assets | 0.0896% | 2,322 |
| Net operating income to assets | 0.3883% | 5,172 |
| Return on assets (ROA) | 0.3883% | 5,282 |
| Pretax return on assets | 0.3763% | 5,523 |
| Return on Equity (ROE) | 3.4697% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.4021% | 4,530 |
| Net charge-offs to loans | 0.1748% | 1,411 |
| Credit loss provision to net charge-offs | 115.3846% | 1,863 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,843 |
| Efficiency ratio | 85.6354% | 1,091 |
| Assets per employee ($millions) | 3.0239% | 5,569 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 45.4619% | 5,292 |
| Net loans and leases to deposits | 51.6479% | 5,405 |
| Net loans and leases to core deposits | 52.1862% | 5,528 |
| Total domestic deposits to total assets | 88.0227% | 1,645 |
| Equity capital to assets | 11.2407% | 2,632 |
| Core capital (leverage) ratio | 10.7523% | 2,676 |
| Tier 1 risk-based capital ratio | 25.1802% | 846 |
| Total risk-based capital ratio | 26.3723% | 837 |
| Memoranda: | ||
| Average total assets | $33,481,000 | 6,048 |
| Average earning assets | $31,129,330 | 6,024 |
| Average equity | $3,746,670 | 6,040 |
| Average total loans | $14,876,330 | 6,036 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 4,990 |
| Cost of funding earning assets | 0.2687% | 4,806 |
| Net interest margin | 3.2239% | 4,508 |
| Noninterest income to average assets | 0.2143% | 5,419 |
| Noninterest expense to average assets | 2.8104% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4287% | 4,950 |
| Return on assets (ROA) | 0.4287% | 5,077 |
| Pretax return on assets | 0.4049% | 5,425 |
| Return on Equity (ROE) | 3.8395% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.8395% | 3,699 |
| Net charge-offs to loans | -0.0273% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4074% | 1,065 |
| Assets per employee ($millions) | 2.8110% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 43.1252% | 5,415 |
| Net loans and leases to deposits | 49.0260% | 5,511 |
| Net loans and leases to core deposits | 49.5284% | 5,611 |
| Total domestic deposits to total assets | 87.9640% | 1,846 |
| Equity capital to assets | 11.2000% | 2,754 |
| Core capital (leverage) ratio | 10.8178% | 2,603 |
| Tier 1 risk-based capital ratio | 25.4478% | 840 |
| Total risk-based capital ratio | 26.6489% | 829 |
| Memoranda: | ||
| Average total assets | $33,590,000 | 6,106 |
| Average earning assets | $31,266,000 | 6,080 |
| Average equity | $3,750,500 | 6,099 |
| Average total loans | $14,667,500 | 6,093 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 5,100 |
| Cost of funding earning assets | 0.2905% | 4,884 |
| Net interest margin | 3.3026% | 4,547 |
| Noninterest income to average assets | 0.4239% | 4,015 |
| Noninterest expense to average assets | 3.0784% | 2,596 |
| Loan and lease loss provision to assets | 0.0928% | 2,614 |
| Net operating income to assets | 0.2754% | 5,584 |
| Return on assets (ROA) | 0.2754% | 5,655 |
| Pretax return on assets | 0.3125% | 5,679 |
| Return on Equity (ROE) | 2.3848% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.3130% | 5,188 |
| Net charge-offs to loans | 0.3578% | 1,220 |
| Credit loss provision to net charge-offs | 60.0000% | 3,286 |
| Earnings coverage of net charge-offs (x) | 2.6200% | 4,103 |
| Efficiency ratio | 88.3659% | 961 |
| Assets per employee ($millions) | 3.3448% | 5,180 |
| Cash dividends to net income (ytd only)* | 44.9438% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 4,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.1924% | 5,523 |
| Net loans and leases to deposits | 49.0594% | 5,628 |
| Net loans and leases to core deposits | 49.5660% | 5,735 |
| Total domestic deposits to total assets | 88.0411% | 1,749 |
| Equity capital to assets | 11.1307% | 2,771 |
| Core capital (leverage) ratio | 10.8405% | 2,566 |
| Tier 1 risk-based capital ratio | 24.3931% | 907 |
| Total risk-based capital ratio | 25.5491% | 897 |
| Memoranda: | ||
| Average total assets | $32,321,600 | 6,209 |
| Average earning assets | $29,945,800 | 6,186 |
| Average equity | $3,732,000 | 6,138 |
| Average total loans | $13,976,200 | 6,193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 5,095 |
| Cost of funding earning assets | 0.2881% | 5,011 |
| Net interest margin | 3.3316% | 4,501 |
| Noninterest income to average assets | 0.3953% | 4,283 |
| Noninterest expense to average assets | 2.6050% | 4,186 |
| Loan and lease loss provision to assets | 0.1248% | 2,002 |
| Net operating income to assets | 0.7158% | 3,861 |
| Return on assets (ROA) | 0.7158% | 3,960 |
| Pretax return on assets | 0.7449% | 4,540 |
| Return on Equity (ROE) | 6.1413% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.4271% | 2,804 |
| Net charge-offs to loans | 0.4826% | 815 |
| Credit loss provision to net charge-offs | 60.0000% | 2,934 |
| Earnings coverage of net charge-offs (x) | 4.1797% | 3,519 |
| Efficiency ratio | 74.9701% | 2,665 |
| Assets per employee ($millions) | 3.2641% | 5,300 |
| Cash dividends to net income (ytd only)* | 11.6295% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 4,189 |
| Loan loss allowance to noncurrent loans | 232.8767% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 5,326 |
| Noncurrent loans to loans | 0.5178% | 4,382 |
| Net loans and leases to total assets | 42.6733% | 5,620 |
| Net loans and leases to deposits | 48.8463% | 5,712 |
| Net loans and leases to core deposits | 49.3674% | 5,820 |
| Total domestic deposits to total assets | 87.3625% | 2,113 |
| Equity capital to assets | 11.7797% | 2,241 |
| Core capital (leverage) ratio | 11.5797% | 1,996 |
| Tier 1 risk-based capital ratio | 26.3703% | 756 |
| Total risk-based capital ratio | 27.5852% | 739 |
| Memoranda: | ||
| Average total assets | $32,040,000 | 6,289 |
| Average earning assets | $29,614,250 | 6,266 |
| Average equity | $3,734,250 | 6,210 |
| Average total loans | $13,816,000 | 6,267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 5,158 |
| Cost of funding earning assets | 0.2992% | 4,974 |
| Net interest margin | 3.2982% | 4,594 |
| Noninterest income to average assets | 0.3015% | 4,997 |
| Noninterest expense to average assets | 2.5189% | 4,519 |
| Loan and lease loss provision to assets | 0.1256% | 1,968 |
| Net operating income to assets | 0.6910% | 3,891 |
| Return on assets (ROA) | 0.6910% | 3,980 |
| Pretax return on assets | 0.7035% | 4,627 |
| Return on Equity (ROE) | 5.9502% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.8684% | 3,037 |
| Net charge-offs to loans | 0.7142% | 535 |
| Credit loss provision to net charge-offs | 40.8163% | 2,911 |
| Earnings coverage of net charge-offs (x) | 2.6939% | 3,488 |
| Efficiency ratio | 75.2345% | 2,769 |
| Assets per employee ($millions) | 3.1114% | 5,579 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 4,661 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 4,881 |
| Noncurrent loans to loans | 0.5001% | 4,494 |
| Net loans and leases to total assets | 44.4687% | 5,502 |
| Net loans and leases to deposits | 51.1044% | 5,553 |
| Net loans and leases to core deposits | 51.6770% | 5,680 |
| Total domestic deposits to total assets | 87.0155% | 2,447 |
| Equity capital to assets | 12.1039% | 1,914 |
| Core capital (leverage) ratio | 11.2406% | 2,211 |
| Tier 1 risk-based capital ratio | 25.6360% | 813 |
| Total risk-based capital ratio | 26.7736% | 801 |
| Memoranda: | ||
| Average total assets | $31,839,670 | 6,356 |
| Average earning assets | $29,410,000 | 6,328 |
| Average equity | $3,697,330 | 6,262 |
| Average total loans | $13,721,670 | 6,330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 5,241 |
| Cost of funding earning assets | 0.2954% | 5,112 |
| Net interest margin | 3.2759% | 4,640 |
| Noninterest income to average assets | 0.3105% | 4,878 |
| Noninterest expense to average assets | 2.4098% | 4,900 |
| Loan and lease loss provision to assets | 0.1242% | 1,948 |
| Net operating income to assets | 0.8074% | 3,116 |
| Return on assets (ROA) | 0.8074% | 3,196 |
| Pretax return on assets | 0.8074% | 4,078 |
| Return on Equity (ROE) | 7.0980% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.0980% | 1,986 |
| Net charge-offs to loans | 1.4723% | 217 |
| Credit loss provision to net charge-offs | 20.0000% | 2,498 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,082 |
| Efficiency ratio | 72.1190% | 3,467 |
| Assets per employee ($millions) | 3.2407% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,058 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 5,670 |
| Noncurrent loans to loans | 0.0891% | 5,861 |
| Net loans and leases to total assets | 41.0868% | 5,741 |
| Net loans and leases to deposits | 46.7998% | 5,797 |
| Net loans and leases to core deposits | 47.2985% | 5,914 |
| Total domestic deposits to total assets | 87.7928% | 2,349 |
| Equity capital to assets | 11.4296% | 2,308 |
| Core capital (leverage) ratio | 11.1111% | 2,290 |
| Tier 1 risk-based capital ratio | 25.7504% | 810 |
| Total risk-based capital ratio | 26.8225% | 810 |
| Memoranda: | ||
| Average total assets | $32,202,500 | 6,410 |
| Average earning assets | $29,793,000 | 6,384 |
| Average equity | $3,663,000 | 6,316 |
| Average total loans | $13,584,000 | 6,396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 5,123 |
| Cost of funding earning assets | 0.3498% | 5,136 |
| Net interest margin | 3.3538% | 4,469 |
| Noninterest income to average assets | 0.3507% | 4,807 |
| Noninterest expense to average assets | 2.9182% | 3,320 |
| Loan and lease loss provision to assets | 0.0313% | 4,487 |
| Net operating income to assets | 0.4728% | 4,854 |
| Return on assets (ROA) | 0.4728% | 4,996 |
| Pretax return on assets | 0.5229% | 5,132 |
| Return on Equity (ROE) | 4.1699% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.0653% | 4,045 |
| Net charge-offs to loans | 0.0147% | 5,156 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 509 |
| Efficiency ratio | 84.0397% | 1,620 |
| Assets per employee ($millions) | 3.1998% | 5,489 |
| Cash dividends to net income (ytd only)* | 26.4901% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 3,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,871 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 42.2308% | 5,812 |
| Net loans and leases to deposits | 48.0873% | 5,893 |
| Net loans and leases to core deposits | 48.6044% | 6,000 |
| Total domestic deposits to total assets | 87.8211% | 2,291 |
| Equity capital to assets | 11.3195% | 2,321 |
| Core capital (leverage) ratio | 10.9869% | 2,398 |
| Tier 1 risk-based capital ratio | 24.9542% | 854 |
| Total risk-based capital ratio | 26.2026% | 842 |
| Memoranda: | ||
| Average total assets | $31,937,800 | 6,483 |
| Average earning assets | $29,727,400 | 6,451 |
| Average equity | $3,621,200 | 6,410 |
| Average total loans | $13,618,600 | 6,466 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 5,152 |
| Cost of funding earning assets | 0.3589% | 5,208 |
| Net interest margin | 3.3473% | 4,473 |
| Noninterest income to average assets | 0.4427% | 4,205 |
| Noninterest expense to average assets | 2.7190% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6933% | 3,895 |
| Return on assets (ROA) | 0.6933% | 4,031 |
| Pretax return on assets | 0.8395% | 4,145 |
| Return on Equity (ROE) | 6.1124% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.3759% | 2,815 |
| Net charge-offs to loans | 0.0392% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 50.2795% | 863 |
| Efficiency ratio | 76.4085% | 2,667 |
| Assets per employee ($millions) | 3.2528% | 5,379 |
| Cash dividends to net income (ytd only)* | 12.0499% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,057 |
| Loan loss allowance to noncurrent loans | 219.7531% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 5,421 |
| Noncurrent loans to loans | 0.6209% | 4,653 |
| Net loans and leases to total assets | 39.5567% | 6,061 |
| Net loans and leases to deposits | 45.0399% | 6,155 |
| Net loans and leases to core deposits | 45.5163% | 6,234 |
| Total domestic deposits to total assets | 87.8259% | 2,231 |
| Equity capital to assets | 11.2303% | 2,529 |
| Core capital (leverage) ratio | 11.1440% | 2,349 |
| Tier 1 risk-based capital ratio | 26.2585% | 769 |
| Total risk-based capital ratio | 27.5079% | 758 |
| Memoranda: | ||
| Average total assets | $31,922,750 | 6,558 |
| Average earning assets | $29,714,500 | 6,523 |
| Average equity | $3,621,000 | 6,490 |
| Average total loans | $13,597,500 | 6,541 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 5,221 |
| Cost of funding earning assets | 0.3736% | 5,196 |
| Net interest margin | 3.3009% | 4,579 |
| Noninterest income to average assets | 0.3594% | 4,818 |
| Noninterest expense to average assets | 2.6481% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7566% | 3,530 |
| Return on assets (ROA) | 0.7566% | 3,680 |
| Pretax return on assets | 0.7755% | 4,407 |
| Return on Equity (ROE) | 6.6476% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.5397% | 2,716 |
| Net charge-offs to loans | 0.0145% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 393 |
| Efficiency ratio | 77.3481% | 2,570 |
| Assets per employee ($millions) | 2.6033% | 6,398 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,480 |
| Loan loss allowance to noncurrent loans | 66.7897% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 3,884 |
| Noncurrent loans to loans | 1.9548% | 2,448 |
| Net loans and leases to total assets | 43.7964% | 5,757 |
| Net loans and leases to deposits | 49.9234% | 5,845 |
| Net loans and leases to core deposits | 51.0599% | 5,957 |
| Total domestic deposits to total assets | 87.7273% | 2,430 |
| Equity capital to assets | 11.4020% | 2,376 |
| Core capital (leverage) ratio | 11.0727% | 2,289 |
| Tier 1 risk-based capital ratio | 25.4694% | 824 |
| Total risk-based capital ratio | 26.7187% | 805 |
| Memoranda: | ||
| Average total assets | $31,721,000 | 6,610 |
| Average earning assets | $29,446,330 | 6,576 |
| Average equity | $3,610,330 | 6,537 |
| Average total loans | $13,781,670 | 6,570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,402 |
| Cost of funding earning assets | 0.3914% | 5,190 |
| Net interest margin | 3.2258% | 4,822 |
| Noninterest income to average assets | 0.3880% | 4,554 |
| Noninterest expense to average assets | 2.5155% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8385% | 2,955 |
| Return on assets (ROA) | 0.8385% | 3,097 |
| Pretax return on assets | 0.8635% | 3,898 |
| Return on Equity (ROE) | 7.3738% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.3738% | 1,995 |
| Net charge-offs to loans | 0.0873% | 2,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,119 |
| Efficiency ratio | 74.4444% | 3,186 |
| Assets per employee ($millions) | 2.9410% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,791 |
| Loan loss allowance to noncurrent loans | 35.9438% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.5394% | 2,954 |
| Noncurrent loans to loans | 3.5643% | 1,343 |
| Net loans and leases to total assets | 42.6355% | 5,792 |
| Net loans and leases to deposits | 48.6303% | 5,875 |
| Net loans and leases to core deposits | 49.6973% | 5,990 |
| Total domestic deposits to total assets | 87.6727% | 2,534 |
| Equity capital to assets | 11.3227% | 2,610 |
| Core capital (leverage) ratio | 10.9215% | 2,329 |
| Tier 1 risk-based capital ratio | 24.8666% | 906 |
| Total risk-based capital ratio | 26.1191% | 896 |
| Memoranda: | ||
| Average total assets | $31,961,500 | 6,669 |
| Average earning assets | $29,636,000 | 6,628 |
| Average equity | $3,634,500 | 6,603 |
| Average total loans | $13,741,000 | 6,633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 5,398 |
| Cost of funding earning assets | 0.5057% | 5,176 |
| Net interest margin | 3.4641% | 4,653 |
| Noninterest income to average assets | 0.2923% | 5,381 |
| Noninterest expense to average assets | 3.1814% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1548% | 5,879 |
| Return on assets (ROA) | 0.1548% | 6,042 |
| Pretax return on assets | 0.2683% | 5,882 |
| Return on Equity (ROE) | 1.2438% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.6910% | 5,523 |
| Net charge-offs to loans | -0.0731% | 6,777 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2233% | 899 |
| Assets per employee ($millions) | 2.6310% | 6,507 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 4,416 |
| Loan loss allowance to noncurrent loans | 35.8974% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 2.2235% | 2,204 |
| Noncurrent loans to loans | 3.7528% | 1,294 |
| Net loans and leases to total assets | 42.2146% | 5,984 |
| Net loans and leases to deposits | 48.2270% | 6,094 |
| Net loans and leases to core deposits | 49.3100% | 6,188 |
| Total domestic deposits to total assets | 87.5333% | 2,511 |
| Equity capital to assets | 11.4215% | 2,515 |
| Core capital (leverage) ratio | 11.9096% | 1,618 |
| Tier 1 risk-based capital ratio | 25.2524% | 822 |
| Total risk-based capital ratio | 26.5050% | 813 |
| Memoranda: | ||
| Average total assets | $29,075,000 | 6,775 |
| Average earning assets | $26,500,400 | 6,755 |
| Average equity | $3,617,800 | 6,660 |
| Average total loans | $12,313,000 | 6,768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 5,429 |
| Cost of funding earning assets | 0.5324% | 5,227 |
| Net interest margin | 3.4992% | 4,649 |
| Noninterest income to average assets | 0.3468% | 5,042 |
| Noninterest expense to average assets | 2.9337% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5530% | 4,611 |
| Return on assets (ROA) | 0.5530% | 4,865 |
| Pretax return on assets | 0.5858% | 5,214 |
| Return on Equity (ROE) | 4.3452% | 5,128 |
| Retained earnings to average equity (ytd only) | 4.3452% | 3,834 |
| Net charge-offs to loans | -0.0888% | 6,829 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3555% | 1,665 |
| Assets per employee ($millions) | 2.7625% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,417 |
| Loan loss allowance to noncurrent loans | 37.0143% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.3003% | 2,312 |
| Noncurrent loans to loans | 3.7572% | 1,416 |
| Net loans and leases to total assets | 42.2352% | 6,109 |
| Net loans and leases to deposits | 48.6247% | 6,220 |
| Net loans and leases to core deposits | 49.7673% | 6,294 |
| Total domestic deposits to total assets | 86.8595% | 2,764 |
| Equity capital to assets | 12.1763% | 2,130 |
| Core capital (leverage) ratio | 12.5437% | 1,385 |
| Tier 1 risk-based capital ratio | 26.4225% | 790 |
| Total risk-based capital ratio | 27.6760% | 772 |
| Memoranda: | ||
| Average total assets | $28,450,750 | 6,881 |
| Average earning assets | $25,795,750 | 6,851 |
| Average equity | $3,620,750 | 6,739 |
| Average total loans | $12,013,750 | 6,869 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 5,515 |
| Cost of funding earning assets | 0.5625% | 5,210 |
| Net interest margin | 3.4778% | 4,771 |
| Noninterest income to average assets | 0.3381% | 5,123 |
| Noninterest expense to average assets | 3.0642% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3956% | 5,223 |
| Return on assets (ROA) | 0.3956% | 5,468 |
| Pretax return on assets | 0.4316% | 5,630 |
| Return on Equity (ROE) | 3.0604% | 5,671 |
| Retained earnings to average equity (ytd only) | 3.0604% | 4,605 |
| Net charge-offs to loans | -0.1027% | 6,869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6543% | 1,265 |
| Assets per employee ($millions) | 2.5675% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,318 |
| Loan loss allowance to noncurrent loans | 35.8717% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 2.5104% | 2,227 |
| Noncurrent loans to loans | 4.0003% | 1,379 |
| Net loans and leases to total assets | 43.5345% | 6,061 |
| Net loans and leases to deposits | 50.5281% | 6,142 |
| Net loans and leases to core deposits | 51.8164% | 6,247 |
| Total domestic deposits to total assets | 86.1589% | 3,277 |
| Equity capital to assets | 12.8142% | 1,612 |
| Core capital (leverage) ratio | 12.3782% | 1,406 |
| Tier 1 risk-based capital ratio | 27.1165% | 717 |
| Total risk-based capital ratio | 28.3719% | 698 |
| Memoranda: | ||
| Average total assets | $27,805,330 | 6,951 |
| Average earning assets | $25,246,000 | 6,919 |
| Average equity | $3,594,330 | 6,784 |
| Average total loans | $11,680,000 | 6,941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 5,861 |
| Cost of funding earning assets | 0.5874% | 5,231 |
| Net interest margin | 3.3818% | 5,191 |
| Noninterest income to average assets | 0.3335% | 5,192 |
| Noninterest expense to average assets | 3.0739% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2900% | 5,689 |
| Return on assets (ROA) | 0.2900% | 5,855 |
| Pretax return on assets | 0.3480% | 5,862 |
| Return on Equity (ROE) | 2.2334% | 5,996 |
| Retained earnings to average equity (ytd only) | 2.2334% | 5,143 |
| Net charge-offs to loans | -0.1418% | 6,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8305% | 1,113 |
| Assets per employee ($millions) | 2.5845% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,927 |
| Loan loss allowance to noncurrent loans | 27.5272% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 3.0427% | 1,912 |
| Noncurrent loans to loans | 5.6418% | 932 |
| Net loans and leases to total assets | 39.4667% | 6,390 |
| Net loans and leases to deposits | 45.6785% | 6,455 |
| Net loans and leases to core deposits | 46.8280% | 6,517 |
| Total domestic deposits to total assets | 86.4012% | 3,304 |
| Equity capital to assets | 12.5822% | 1,670 |
| Core capital (leverage) ratio | 12.6115% | 1,288 |
| Tier 1 risk-based capital ratio | 28.0837% | 635 |
| Total risk-based capital ratio | 29.3394% | 621 |
| Memoranda: | ||
| Average total assets | $27,587,000 | 7,014 |
| Average earning assets | $25,194,000 | 6,976 |
| Average equity | $3,582,000 | 6,825 |
| Average total loans | $11,283,000 | 7,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 5,745 |
| Cost of funding earning assets | 0.6863% | 5,626 |
| Net interest margin | 3.6204% | 4,650 |
| Noninterest income to average assets | 0.4016% | 4,599 |
| Noninterest expense to average assets | 3.5130% | 1,949 |
| Loan and lease loss provision to assets | 0.0078% | 6,435 |
| Net operating income to assets | 0.1638% | 5,693 |
| Return on assets (ROA) | 0.2768% | 5,494 |
| Pretax return on assets | 0.2027% | 5,779 |
| Return on Equity (ROE) | 2.0130% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.4460% | 5,172 |
| Net charge-offs to loans | -0.0088% | 6,875 |
| Credit loss provision to net charge-offs | -200.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3002% | 761 |
| Assets per employee ($millions) | 2.4314% | 6,892 |
| Cash dividends to net income (ytd only)* | 28.1690% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,800 |
| Loan loss allowance to noncurrent loans | 20.1163% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 3.2567% | 1,832 |
| Noncurrent loans to loans | 7.6999% | 532 |
| Net loans and leases to total assets | 41.1142% | 6,452 |
| Net loans and leases to deposits | 48.1710% | 6,486 |
| Net loans and leases to core deposits | 49.4736% | 6,556 |
| Total domestic deposits to total assets | 85.3505% | 3,669 |
| Equity capital to assets | 13.4119% | 1,314 |
| Core capital (leverage) ratio | 12.6355% | 1,296 |
| Tier 1 risk-based capital ratio | 29.5579% | 538 |
| Total risk-based capital ratio | 30.8087% | 525 |
| Memoranda: | ||
| Average total assets | $25,647,600 | 7,085 |
| Average earning assets | $22,732,000 | 7,086 |
| Average equity | $3,527,000 | 6,871 |
| Average total loans | $11,353,000 | 7,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 5,642 |
| Cost of funding earning assets | 0.7136% | 5,682 |
| Net interest margin | 3.6759% | 4,442 |
| Noninterest income to average assets | 0.3205% | 5,306 |
| Noninterest expense to average assets | 3.4629% | 2,047 |
| Loan and lease loss provision to assets | 0.0105% | 6,298 |
| Net operating income to assets | 0.2259% | 5,631 |
| Return on assets (ROA) | 0.3784% | 5,275 |
| Pretax return on assets | 0.2207% | 5,860 |
| Return on Equity (ROE) | 2.7335% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.7335% | 4,719 |
| Net charge-offs to loans | -0.0351% | 6,991 |
| Credit loss provision to net charge-offs | -66.6667% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7745% | 747 |
| Assets per employee ($millions) | 2.4144% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,736 |
| Loan loss allowance to noncurrent loans | 26.8405% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 2.7600% | 2,356 |
| Noncurrent loans to loans | 5.9037% | 952 |
| Net loans and leases to total assets | 40.9255% | 6,566 |
| Net loans and leases to deposits | 47.8811% | 6,627 |
| Net loans and leases to core deposits | 49.1788% | 6,703 |
| Total domestic deposits to total assets | 85.4733% | 3,512 |
| Equity capital to assets | 13.4762% | 1,381 |
| Core capital (leverage) ratio | 13.2359% | 1,134 |
| Tier 1 risk-based capital ratio | 29.8440% | 545 |
| Total risk-based capital ratio | 31.0991% | 538 |
| Memoranda: | ||
| Average total assets | $25,373,250 | 7,164 |
| Average earning assets | $22,234,250 | 7,171 |
| Average equity | $3,512,000 | 6,933 |
| Average total loans | $11,399,000 | 7,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 5,574 |
| Cost of funding earning assets | 0.7179% | 5,847 |
| Net interest margin | 3.7165% | 4,191 |
| Noninterest income to average assets | 0.4244% | 4,472 |
| Noninterest expense to average assets | 3.5711% | 1,809 |
| Loan and lease loss provision to assets | 0.0160% | 6,083 |
| Net operating income to assets | 0.3523% | 5,166 |
| Return on assets (ROA) | 0.5845% | 4,267 |
| Pretax return on assets | 0.3443% | 5,564 |
| Return on Equity (ROE) | 4.1838% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.1838% | 3,532 |
| Net charge-offs to loans | -0.0174% | 6,791 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5368% | 853 |
| Assets per employee ($millions) | 2.2997% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 3,886 |
| Loan loss allowance to noncurrent loans | 25.5917% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 2.9450% | 2,276 |
| Noncurrent loans to loans | 6.0715% | 972 |
| Net loans and leases to total assets | 43.3292% | 6,494 |
| Net loans and leases to deposits | 51.0027% | 6,535 |
| Net loans and leases to core deposits | 52.4726% | 6,637 |
| Total domestic deposits to total assets | 84.9547% | 3,893 |
| Equity capital to assets | 13.9700% | 1,105 |
| Core capital (leverage) ratio | 13.7337% | 935 |
| Tier 1 risk-based capital ratio | 29.4102% | 567 |
| Total risk-based capital ratio | 30.6636% | 553 |
| Memoranda: | ||
| Average total assets | $24,978,330 | 7,238 |
| Average earning assets | $22,009,670 | 7,247 |
| Average equity | $3,489,670 | 6,983 |
| Average total loans | $11,517,330 | 7,194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 5,307 |
| Cost of funding earning assets | 0.7515% | 5,849 |
| Net interest margin | 3.7573% | 3,809 |
| Noninterest income to average assets | 0.4190% | 4,548 |
| Noninterest expense to average assets | 3.4973% | 2,009 |
| Loan and lease loss provision to assets | 0.0322% | 5,570 |
| Net operating income to assets | 0.6769% | 3,627 |
| Return on assets (ROA) | 0.6769% | 3,694 |
| Pretax return on assets | 0.1934% | 5,954 |
| Return on Equity (ROE) | 4.8450% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.8450% | 3,281 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9394% | 1,038 |
| Assets per employee ($millions) | 2.4973% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 4,173 |
| Loan loss allowance to noncurrent loans | 24.7839% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 3.0393% | 2,273 |
| Noncurrent loans to loans | 6.0808% | 1,036 |
| Net loans and leases to total assets | 45.0126% | 6,382 |
| Net loans and leases to deposits | 52.9911% | 6,392 |
| Net loans and leases to core deposits | 54.5335% | 6,519 |
| Total domestic deposits to total assets | 84.9437% | 4,054 |
| Equity capital to assets | 13.9831% | 1,013 |
| Core capital (leverage) ratio | 13.7214% | 910 |
| Tier 1 risk-based capital ratio | 28.8532% | 587 |
| Total risk-based capital ratio | 30.1029% | 571 |
| Memoranda: | ||
| Average total assets | $24,819,000 | 7,295 |
| Average earning assets | $21,824,000 | 7,301 |
| Average equity | $3,467,500 | 7,025 |
| Average total loans | $11,709,000 | 7,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 5,272 |
| Cost of funding earning assets | 0.8340% | 6,426 |
| Net interest margin | 4.0059% | 2,999 |
| Noninterest income to average assets | 0.4087% | 4,834 |
| Noninterest expense to average assets | 3.5597% | 2,035 |
| Loan and lease loss provision to assets | 0.1921% | 5,306 |
| Net operating income to assets | 0.0531% | 5,692 |
| Return on assets (ROA) | 0.0531% | 5,837 |
| Pretax return on assets | 0.1512% | 5,594 |
| Return on Equity (ROE) | 0.3767% | 5,861 |
| Retained earnings to average equity (ytd only) | -0.2028% | 5,647 |
| Net charge-offs to loans | 0.4086% | 4,003 |
| Credit loss provision to net charge-offs | 97.9167% | 4,731 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 4,405 |
| Efficiency ratio | 91.2042% | 1,234 |
| Assets per employee ($millions) | 2.4665% | 7,057 |
| Cash dividends to net income (ytd only)* | 153.8462% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,445 |
| Loan loss allowance to noncurrent loans | 24.1135% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 2,264 |
| Noncurrent loans to loans | 5.8726% | 1,078 |
| Net loans and leases to total assets | 47.9830% | 6,394 |
| Net loans and leases to deposits | 56.4647% | 6,404 |
| Net loans and leases to core deposits | 58.1230% | 6,551 |
| Total domestic deposits to total assets | 84.9787% | 3,859 |
| Equity capital to assets | 13.9591% | 1,049 |
| Core capital (leverage) ratio | 13.6067% | 957 |
| Tier 1 risk-based capital ratio | 27.2920% | 658 |
| Total risk-based capital ratio | 28.5458% | 644 |
| Memoranda: | ||
| Average total assets | $24,468,400 | 7,362 |
| Average earning assets | $21,343,400 | 7,369 |
| Average equity | $3,451,000 | 7,148 |
| Average total loans | $11,746,800 | 7,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 5,482 |
| Cost of funding earning assets | 0.8358% | 6,633 |
| Net interest margin | 4.0104% | 3,052 |
| Noninterest income to average assets | 0.3931% | 5,014 |
| Noninterest expense to average assets | 3.4835% | 2,069 |
| Loan and lease loss provision to assets | 0.2457% | 4,629 |
| Net operating income to assets | 0.0983% | 5,780 |
| Return on assets (ROA) | 0.0983% | 5,925 |
| Pretax return on assets | 0.1747% | 5,781 |
| Return on Equity (ROE) | 0.6950% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.6950% | 5,523 |
| Net charge-offs to loans | 0.5478% | 3,111 |
| Credit loss provision to net charge-offs | 93.7500% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.6041% | 4,513 |
| Efficiency ratio | 89.2308% | 1,346 |
| Assets per employee ($millions) | 2.4127% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,147 |
| Loan loss allowance to noncurrent loans | 23.4965% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 3.1707% | 2,270 |
| Noncurrent loans to loans | 6.2233% | 976 |
| Net loans and leases to total assets | 46.9225% | 6,621 |
| Net loans and leases to deposits | 55.6424% | 6,639 |
| Net loans and leases to core deposits | 57.3186% | 6,776 |
| Total domestic deposits to total assets | 84.3288% | 3,945 |
| Equity capital to assets | 14.5480% | 1,007 |
| Core capital (leverage) ratio | 13.8583% | 952 |
| Tier 1 risk-based capital ratio | 28.3567% | 605 |
| Total risk-based capital ratio | 29.6079% | 590 |
| Memoranda: | ||
| Average total assets | $24,419,250 | 7,461 |
| Average earning assets | $21,377,000 | 7,465 |
| Average equity | $3,453,000 | 7,239 |
| Average total loans | $11,682,250 | 7,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 5,790 |
| Cost of funding earning assets | 0.8456% | 6,772 |
| Net interest margin | 3.9587% | 3,210 |
| Noninterest income to average assets | 0.4242% | 4,721 |
| Noninterest expense to average assets | 3.5241% | 1,968 |
| Loan and lease loss provision to assets | 0.2855% | 4,112 |
| Net operating income to assets | 0.0653% | 5,955 |
| Return on assets (ROA) | 0.0653% | 6,056 |
| Pretax return on assets | 0.0897% | 5,997 |
| Return on Equity (ROE) | 0.4659% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.4659% | 5,574 |
| Net charge-offs to loans | 0.7151% | 2,429 |
| Credit loss provision to net charge-offs | 83.3333% | 4,615 |
| Earnings coverage of net charge-offs (x) | 1.0952% | 4,698 |
| Efficiency ratio | 90.3766% | 1,306 |
| Assets per employee ($millions) | 2.4056% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 4,506 |
| Loan loss allowance to noncurrent loans | 27.9387% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 2.6106% | 2,771 |
| Noncurrent loans to loans | 4.9511% | 1,402 |
| Net loans and leases to total assets | 48.6033% | 6,583 |
| Net loans and leases to deposits | 57.4348% | 6,620 |
| Net loans and leases to core deposits | 58.2619% | 6,812 |
| Total domestic deposits to total assets | 84.6234% | 3,808 |
| Equity capital to assets | 14.3374% | 1,053 |
| Core capital (leverage) ratio | 13.8822% | 955 |
| Tier 1 risk-based capital ratio | 27.8960% | 636 |
| Total risk-based capital ratio | 29.1507% | 622 |
| Memoranda: | ||
| Average total assets | $24,516,670 | 7,512 |
| Average earning assets | $21,522,330 | 7,520 |
| Average equity | $3,434,000 | 7,286 |
| Average total loans | $11,746,670 | 7,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 6,160 |
| Cost of funding earning assets | 0.8707% | 6,867 |
| Net interest margin | 3.8533% | 3,546 |
| Noninterest income to average assets | 0.3718% | 5,171 |
| Noninterest expense to average assets | 3.4752% | 2,049 |
| Loan and lease loss provision to assets | 0.5657% | 2,232 |
| Net operating income to assets | -0.3233% | 6,687 |
| Return on assets (ROA) | -0.3233% | 6,738 |
| Pretax return on assets | -0.3071% | 6,644 |
| Return on Equity (ROE) | -2.3347% | 6,675 |
| Retained earnings to average equity (ytd only) | -2.3347% | 6,265 |
| Net charge-offs to loans | 1.4369% | 1,205 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.3810% | 4,699 |
| Efficiency ratio | 93.0736% | 1,197 |
| Assets per employee ($millions) | 2.4648% | 7,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 4,346 |
| Loan loss allowance to noncurrent loans | 28.3737% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 2.5114% | 2,895 |
| Noncurrent loans to loans | 4.9840% | 1,457 |
| Net loans and leases to total assets | 46.3851% | 6,804 |
| Net loans and leases to deposits | 54.4740% | 6,885 |
| Net loans and leases to core deposits | 55.2292% | 7,034 |
| Total domestic deposits to total assets | 85.1509% | 3,584 |
| Equity capital to assets | 13.8632% | 1,185 |
| Core capital (leverage) ratio | 13.5944% | 1,059 |
| Tier 1 risk-based capital ratio | 27.8251% | 649 |
| Total risk-based capital ratio | 29.0789% | 637 |
| Memoranda: | ||
| Average total assets | $24,747,000 | 7,596 |
| Average earning assets | $21,592,000 | 7,610 |
| Average equity | $3,426,500 | 7,364 |
| Average total loans | $11,692,000 | 7,565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4460% | 4,456 |
| Cost of funding earning assets | 1.2640% | 6,425 |
| Net interest margin | 4.1820% | 2,128 |
| Noninterest income to average assets | 0.4530% | 4,781 |
| Noninterest expense to average assets | 3.8263% | 1,646 |
| Loan and lease loss provision to assets | 0.2022% | 5,723 |
| Net operating income to assets | 0.0243% | 5,416 |
| Return on assets (ROA) | 0.0243% | 5,461 |
| Pretax return on assets | 0.0243% | 5,378 |
| Return on Equity (ROE) | 0.1749% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.1749% | 4,805 |
| Net charge-offs to loans | 0.4016% | 4,217 |
| Credit loss provision to net charge-offs | 102.0408% | 5,419 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 4,977 |
| Efficiency ratio | 94.4112% | 1,386 |
| Assets per employee ($millions) | 2.4846% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 3,972 |
| Loan loss allowance to noncurrent loans | 25.4464% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 2.7047% | 2,589 |
| Noncurrent loans to loans | 5.7012% | 1,118 |
| Net loans and leases to total assets | 46.7520% | 6,915 |
| Net loans and leases to deposits | 54.8805% | 6,993 |
| Net loans and leases to core deposits | 59.6978% | 7,274 |
| Total domestic deposits to total assets | 85.1888% | 3,463 |
| Equity capital to assets | 13.8292% | 1,214 |
| Core capital (leverage) ratio | 13.5635% | 1,080 |
| Tier 1 risk-based capital ratio | 27.4182% | 675 |
| Total risk-based capital ratio | 28.6670% | 659 |
| Memoranda: | ||
| Average total assets | $24,723,400 | 7,645 |
| Average earning assets | $21,281,600 | 7,672 |
| Average equity | $3,431,000 | 7,463 |
| Average total loans | $12,201,000 | 7,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 4,130 |
| Cost of funding earning assets | 1.3382% | 6,439 |
| Net interest margin | 4.2157% | 1,985 |
| Noninterest income to average assets | 0.4643% | 4,787 |
| Noninterest expense to average assets | 3.8229% | 1,555 |
| Loan and lease loss provision to assets | 0.1620% | 5,733 |
| Net operating income to assets | 0.1026% | 5,457 |
| Return on assets (ROA) | 0.1026% | 5,504 |
| Pretax return on assets | 0.1026% | 5,520 |
| Return on Equity (ROE) | 0.7385% | 5,571 |
| Retained earnings to average equity (ytd only) | 0.7385% | 4,875 |
| Net charge-offs to loans | 0.5201% | 3,135 |
| Credit loss provision to net charge-offs | 62.5000% | 6,131 |
| Earnings coverage of net charge-offs (x) | 1.0208% | 5,030 |
| Efficiency ratio | 93.5271% | 1,431 |
| Assets per employee ($millions) | 2.4383% | 7,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,591 |
| Loan loss allowance to noncurrent loans | 120.6349% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 6,174 |
| Noncurrent loans to loans | 1.0659% | 5,182 |
| Net loans and leases to total assets | 47.8571% | 6,967 |
| Net loans and leases to deposits | 56.5112% | 7,057 |
| Net loans and leases to core deposits | 61.8618% | 7,331 |
| Total domestic deposits to total assets | 84.6861% | 3,383 |
| Equity capital to assets | 14.1861% | 1,241 |
| Core capital (leverage) ratio | 13.5882% | 1,208 |
| Tier 1 risk-based capital ratio | 27.4786% | 713 |
| Total risk-based capital ratio | 28.7251% | 695 |
| Memoranda: | ||
| Average total assets | $24,692,750 | 7,719 |
| Average earning assets | $21,221,750 | 7,746 |
| Average equity | $3,429,750 | 7,536 |
| Average total loans | $12,304,500 | 7,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6612% | 3,762 |
| Cost of funding earning assets | 1.3801% | 6,550 |
| Net interest margin | 4.2811% | 1,700 |
| Noninterest income to average assets | 0.4194% | 5,125 |
| Noninterest expense to average assets | 3.8635% | 1,551 |
| Loan and lease loss provision to assets | 0.1210% | 5,910 |
| Net operating income to assets | 0.1129% | 5,526 |
| Return on assets (ROA) | 0.1129% | 5,624 |
| Pretax return on assets | 0.1129% | 5,648 |
| Return on Equity (ROE) | 0.8187% | 5,681 |
| Retained earnings to average equity (ytd only) | 0.8187% | 4,860 |
| Net charge-offs to loans | 0.3369% | 3,493 |
| Credit loss provision to net charge-offs | 71.4286% | 5,392 |
| Earnings coverage of net charge-offs (x) | 1.3810% | 4,493 |
| Efficiency ratio | 94.2913% | 1,476 |
| Assets per employee ($millions) | 2.0727% | 7,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,037 |
| Loan loss allowance to noncurrent loans | 88.1720% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 5,535 |
| Noncurrent loans to loans | 1.5199% | 4,217 |
| Net loans and leases to total assets | 48.5445% | 6,989 |
| Net loans and leases to deposits | 56.9770% | 7,095 |
| Net loans and leases to core deposits | 62.9740% | 7,335 |
| Total domestic deposits to total assets | 85.2002% | 3,164 |
| Equity capital to assets | 13.7866% | 1,389 |
| Core capital (leverage) ratio | 13.5348% | 1,260 |
| Tier 1 risk-based capital ratio | 26.6582% | 802 |
| Total risk-based capital ratio | 27.9088% | 782 |
| Memoranda: | ||
| Average total assets | $24,796,000 | 7,794 |
| Average earning assets | $21,303,000 | 7,813 |
| Average equity | $3,420,000 | 7,597 |
| Average total loans | $12,465,670 | 7,726 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 3,649 |
| Cost of funding earning assets | 1.4790% | 6,471 |
| Net interest margin | 4.2496% | 1,750 |
| Noninterest income to average assets | 0.4201% | 5,053 |
| Noninterest expense to average assets | 3.7321% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3554% | 5,044 |
| Return on assets (ROA) | 0.3554% | 5,230 |
| Pretax return on assets | 0.3554% | 5,523 |
| Return on Equity (ROE) | 2.5765% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.5765% | 4,444 |
| Net charge-offs to loans | 0.0954% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,361 |
| Efficiency ratio | 91.3043% | 1,631 |
| Assets per employee ($millions) | 2.0844% | 7,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 3,840 |
| Loan loss allowance to noncurrent loans | 196.4706% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 6,496 |
| Noncurrent loans to loans | 0.6832% | 5,698 |
| Net loans and leases to total assets | 49.0705% | 6,942 |
| Net loans and leases to deposits | 57.4168% | 7,071 |
| Net loans and leases to core deposits | 63.3628% | 7,337 |
| Total domestic deposits to total assets | 85.4636% | 2,983 |
| Equity capital to assets | 13.5809% | 1,501 |
| Core capital (leverage) ratio | 13.8611% | 1,218 |
| Tier 1 risk-based capital ratio | 26.3092% | 868 |
| Total risk-based capital ratio | 27.5561% | 851 |
| Memoranda: | ||
| Average total assets | $24,758,000 | 7,845 |
| Average earning assets | $21,366,500 | 7,865 |
| Average equity | $3,415,500 | 7,650 |
| Average total loans | $12,579,500 | 7,768 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6574% | 2,217 |
| Cost of funding earning assets | 1.7970% | 7,016 |
| Net interest margin | 4.8604% | 689 |
| Noninterest income to average assets | 0.5472% | 4,253 |
| Noninterest expense to average assets | 4.1308% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5764% | 4,412 |
| Return on assets (ROA) | 0.5764% | 4,277 |
| Pretax return on assets | 0.6641% | 4,506 |
| Return on Equity (ROE) | 3.9485% | 4,843 |
| Retained earnings to average equity (ytd only) | 0.5150% | 4,926 |
| Net charge-offs to loans | 0.0159% | 6,659 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 522 |
| Efficiency ratio | 86.1498% | 1,840 |
| Assets per employee ($millions) | 2.0419% | 7,881 |
| Cash dividends to net income (ytd only)* | 86.9565% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 3,548 |
| Loan loss allowance to noncurrent loans | 140.4959% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 5,720 |
| Noncurrent loans to loans | 0.9514% | 4,699 |
| Net loans and leases to total assets | 51.2101% | 6,918 |
| Net loans and leases to deposits | 60.2169% | 7,068 |
| Net loans and leases to core deposits | 63.4603% | 7,465 |
| Total domestic deposits to total assets | 85.0426% | 2,823 |
| Equity capital to assets | 14.0146% | 1,419 |
| Core capital (leverage) ratio | 13.8611% | 1,289 |
| Tier 1 risk-based capital ratio | 26.0796% | 894 |
| Total risk-based capital ratio | 27.3310% | 873 |
| Memoranda: | ||
| Average total assets | $23,942,200 | 7,874 |
| Average earning assets | $20,924,200 | 7,897 |
| Average equity | $3,495,000 | 7,684 |
| Average total loans | $12,588,600 | 7,798 |