Home > The Granger National Bank > Performance and Condition Ratios
The Granger National Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 4,356 |
| Cost of funding earning assets | 1.3761% | 3,435 |
| Net interest margin | 2.4770% | 3,899 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 1.9291% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6756% | 2,918 |
| Return on assets (ROA) | 0.6756% | 2,937 |
| Pretax return on assets | 0.6756% | 3,216 |
| Return on Equity (ROE) | 8.1100% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.1132% | 1,523 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.0614% | 1,736 |
| Assets per employee ($millions) | 6.0444% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1683% | 295 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,239 |
| Noncurrent loans to loans | 0.5163% | 1,633 |
| Net loans and leases to total assets | 11.7600% | 4,425 |
| Net loans and leases to deposits | 12.7618% | 4,434 |
| Net loans and leases to core deposits | 13.7163% | 4,455 |
| Total domestic deposits to total assets | 92.1200% | 312 |
| Equity capital to assets | 7.7572% | 3,524 |
| Core capital (leverage) ratio | 13.5839% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $44,995,500 | 4,337 |
| Average earning assets | $42,148,500 | 4,315 |
| Average equity | $3,747,000 | 4,384 |
| Average total loans | $5,850,000 | 4,436 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 4,463 |
| Cost of funding earning assets | 0.7702% | 3,810 |
| Net interest margin | 2.4908% | 4,101 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.1943% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4102% | 3,848 |
| Return on assets (ROA) | 0.4102% | 3,848 |
| Pretax return on assets | 0.4272% | 3,923 |
| Return on Equity (ROE) | 5.0500% | 3,715 |
| Retained earnings to average equity (ytd only) | 4.8990% | 2,633 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.7037% | 677 |
| Assets per employee ($millions) | 6.9393% | 2,112 |
| Cash dividends to net income (ytd only)* | 2.9586% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1396% | 305 |
| Loan loss allowance to noncurrent loans | 280.0000% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,817 |
| Noncurrent loans to loans | 0.7641% | 1,018 |
| Net loans and leases to total assets | 13.8400% | 4,433 |
| Net loans and leases to deposits | 15.2267% | 4,443 |
| Net loans and leases to core deposits | 16.5039% | 4,462 |
| Total domestic deposits to total assets | 90.9000% | 534 |
| Equity capital to assets | 8.9898% | 2,680 |
| Core capital (leverage) ratio | 14.8652% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $41,198,400 | 4,387 |
| Average earning assets | $38,300,200 | 4,355 |
| Average equity | $3,347,600 | 4,402 |
| Average total loans | $6,095,200 | 4,450 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 4,474 |
| Cost of funding earning assets | 0.6418% | 3,896 |
| Net interest margin | 2.5847% | 4,051 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1741% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5159% | 3,728 |
| Return on assets (ROA) | 0.5159% | 3,718 |
| Pretax return on assets | 0.5387% | 3,846 |
| Return on Equity (ROE) | 6.5300% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.5254% | 2,451 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.1435% | 847 |
| Assets per employee ($millions) | 5.6724% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0789% | 348 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,280 |
| Noncurrent loans to loans | 0.3465% | 1,985 |
| Net loans and leases to total assets | 14.9500% | 4,456 |
| Net loans and leases to deposits | 16.1739% | 4,466 |
| Net loans and leases to core deposits | 17.3487% | 4,452 |
| Total domestic deposits to total assets | 92.4100% | 386 |
| Equity capital to assets | 7.4773% | 3,365 |
| Core capital (leverage) ratio | 16.3636% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $41,089,000 | 4,400 |
| Average earning assets | $38,224,000 | 4,376 |
| Average equity | $3,248,750 | 4,426 |
| Average total loans | $6,146,750 | 4,474 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1471% | 4,513 |
| Cost of funding earning assets | 0.5280% | 3,928 |
| Net interest margin | 2.6192% | 4,089 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1661% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5536% | 3,693 |
| Return on assets (ROA) | 0.5536% | 3,698 |
| Pretax return on assets | 0.5776% | 3,835 |
| Return on Equity (ROE) | 6.8800% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.8821% | 2,324 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.9474% | 922 |
| Assets per employee ($millions) | 6.6712% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 411 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,255 |
| Noncurrent loans to loans | 0.3343% | 1,932 |
| Net loans and leases to total assets | 15.3800% | 4,485 |
| Net loans and leases to deposits | 16.7862% | 4,491 |
| Net loans and leases to core deposits | 17.8798% | 4,476 |
| Total domestic deposits to total assets | 91.6200% | 481 |
| Equity capital to assets | 8.3019% | 3,024 |
| Core capital (leverage) ratio | 15.8032% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $41,549,667 | 4,421 |
| Average earning assets | $38,638,333 | 4,396 |
| Average equity | $3,342,000 | 4,449 |
| Average total loans | $6,175,333 | 4,504 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0422% | 4,553 |
| Cost of funding earning assets | 0.3752% | 4,023 |
| Net interest margin | 2.6670% | 4,120 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.1082% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6712% | 3,528 |
| Return on assets (ROA) | 0.6712% | 3,483 |
| Pretax return on assets | 0.6712% | 3,716 |
| Return on Equity (ROE) | 8.4700% | 3,184 |
| Retained earnings to average equity (ytd only) | 8.4738% | 2,087 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.8503% | 1,183 |
| Assets per employee ($millions) | 5.9584% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 319 |
| Loan loss allowance to noncurrent loans | 572.7273% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,256 |
| Noncurrent loans to loans | 0.3844% | 1,777 |
| Net loans and leases to total assets | 13.4200% | 4,561 |
| Net loans and leases to deposits | 14.6791% | 4,564 |
| Net loans and leases to core deposits | 15.1651% | 4,556 |
| Total domestic deposits to total assets | 91.4200% | 666 |
| Equity capital to assets | 8.5329% | 2,865 |
| Core capital (leverage) ratio | 15.4400% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $42,311,000 | 4,484 |
| Average earning assets | $39,445,000 | 4,459 |
| Average equity | $3,351,500 | 4,511 |
| Average total loans | $6,122,000 | 4,574 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5639% | 4,475 |
| Cost of funding earning assets | 0.1951% | 3,798 |
| Net interest margin | 2.3688% | 4,380 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.9462% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5117% | 4,072 |
| Return on assets (ROA) | 0.5117% | 4,029 |
| Pretax return on assets | 0.5336% | 4,123 |
| Return on Equity (ROE) | 5.8300% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.5592% | 2,804 |
| Net charge-offs to loans | 1.1072% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 2,469 |
| Efficiency ratio | 78.4832% | 824 |
| Assets per employee ($millions) | 6.1304% | 2,651 |
| Cash dividends to net income (ytd only)* | 4.7009% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 491 |
| Loan loss allowance to noncurrent loans | 572.7273% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,290 |
| Noncurrent loans to loans | 0.3374% | 1,944 |
| Net loans and leases to total assets | 14.9000% | 4,585 |
| Net loans and leases to deposits | 16.0844% | 4,588 |
| Net loans and leases to core deposits | 16.7365% | 4,579 |
| Total domestic deposits to total assets | 92.6500% | 478 |
| Equity capital to assets | 7.3265% | 3,473 |
| Core capital (leverage) ratio | 14.0022% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,731,200 | 4,481 |
| Average earning assets | $43,060,200 | 4,449 |
| Average equity | $4,011,400 | 4,534 |
| Average total loans | $6,683,800 | 4,604 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3627% | 4,514 |
| Cost of funding earning assets | 0.1885% | 3,414 |
| Net interest margin | 2.1742% | 4,478 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.8606% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4249% | 4,199 |
| Return on assets (ROA) | 0.4249% | 4,144 |
| Pretax return on assets | 0.4307% | 4,236 |
| Return on Equity (ROE) | 4.6700% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.6669% | 3,213 |
| Net charge-offs to loans | 1.3879% | 39 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 2,254 |
| Efficiency ratio | 81.2030% | 701 |
| Assets per employee ($millions) | 6.5406% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 675 |
| Loan loss allowance to noncurrent loans | 565.2174% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,383 |
| Noncurrent loans to loans | 0.3260% | 2,067 |
| Net loans and leases to total assets | 15.1300% | 4,622 |
| Net loans and leases to deposits | 16.1249% | 4,629 |
| Net loans and leases to core deposits | 16.7275% | 4,618 |
| Total domestic deposits to total assets | 93.8000% | 393 |
| Equity capital to assets | 6.1659% | 3,895 |
| Core capital (leverage) ratio | 13.5534% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,435,750 | 4,507 |
| Average earning assets | $43,846,500 | 4,473 |
| Average equity | $4,228,250 | 4,553 |
| Average total loans | $6,724,500 | 4,639 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1230% | 4,594 |
| Cost of funding earning assets | 0.1901% | 3,048 |
| Net interest margin | 1.9329% | 4,586 |
| Noninterest income to average assets | 0.3044% | 3,340 |
| Noninterest expense to average assets | 1.8220% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3129% | 4,266 |
| Return on assets (ROA) | 0.3129% | 4,215 |
| Pretax return on assets | 0.3129% | 4,283 |
| Return on Equity (ROE) | 3.1086% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.1086% | 3,413 |
| Net charge-offs to loans | 2.2073% | 26 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,083 |
| Efficiency ratio | 85.3414% | 604 |
| Assets per employee ($millions) | 7.5862% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 849 |
| Loan loss allowance to noncurrent loans | 552.1739% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,483 |
| Noncurrent loans to loans | 0.3204% | 2,196 |
| Net loans and leases to total assets | 15.4931% | 4,683 |
| Net loans and leases to deposits | 16.8201% | 4,689 |
| Net loans and leases to core deposits | 17.5637% | 4,684 |
| Total domestic deposits to total assets | 92.1106% | 795 |
| Equity capital to assets | 7.8586% | 3,233 |
| Core capital (leverage) ratio | 13.1864% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,653,000 | 4,551 |
| Average earning assets | $44,183,000 | 4,534 |
| Average equity | $4,696,667 | 4,550 |
| Average total loans | $6,614,333 | 4,706 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9626% | 4,625 |
| Cost of funding earning assets | 0.1873% | 2,983 |
| Net interest margin | 1.7752% | 4,625 |
| Noninterest income to average assets | 0.2372% | 3,721 |
| Noninterest expense to average assets | 1.7789% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1440% | 4,413 |
| Return on assets (ROA) | 0.1440% | 4,382 |
| Pretax return on assets | 0.1440% | 4,400 |
| Return on Equity (ROE) | 1.2936% | 4,375 |
| Retained earnings to average equity (ytd only) | 1.2936% | 3,749 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5110% | 443 |
| Assets per employee ($millions) | 6.5656% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0869% | 150 |
| Loan loss allowance to noncurrent loans | 186.9159% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 2,250 |
| Noncurrent loans to loans | 1.6515% | 480 |
| Net loans and leases to total assets | 13.6622% | 4,720 |
| Net loans and leases to deposits | 15.1703% | 4,723 |
| Net loans and leases to core deposits | 15.7380% | 4,716 |
| Total domestic deposits to total assets | 90.0585% | 1,532 |
| Equity capital to assets | 9.9175% | 1,960 |
| Core capital (leverage) ratio | 12.2140% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,221,000 | 4,571 |
| Average earning assets | $44,839,000 | 4,552 |
| Average equity | $5,256,500 | 4,542 |
| Average total loans | $6,332,000 | 4,735 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3588% | 4,559 |
| Cost of funding earning assets | 0.2323% | 3,113 |
| Net interest margin | 2.1265% | 4,526 |
| Noninterest income to average assets | 0.7082% | 1,737 |
| Noninterest expense to average assets | 2.1918% | 3,114 |
| Loan and lease loss provision to assets | 0.1680% | 694 |
| Net operating income to assets | 0.3577% | 4,335 |
| Return on assets (ROA) | 0.3577% | 4,363 |
| Pretax return on assets | 0.3697% | 4,422 |
| Return on Equity (ROE) | 2.4493% | 4,445 |
| Retained earnings to average equity (ytd only) | 2.2027% | 3,920 |
| Net charge-offs to loans | 0.2889% | 302 |
| Credit loss provision to net charge-offs | 318.1818% | 1,033 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 2,220 |
| Efficiency ratio | 80.2990% | 788 |
| Assets per employee ($millions) | 6.9261% | 1,972 |
| Cash dividends to net income (ytd only)* | 10.0671% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2336% | 119 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,444 |
| Noncurrent loans to loans | 1.7462% | 493 |
| Net loans and leases to total assets | 12.3445% | 4,768 |
| Net loans and leases to deposits | 14.0800% | 4,772 |
| Net loans and leases to core deposits | 14.4919% | 4,765 |
| Total domestic deposits to total assets | 87.6740% | 2,214 |
| Equity capital to assets | 12.2827% | 1,140 |
| Core capital (leverage) ratio | 13.4672% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,655,400 | 4,643 |
| Average earning assets | $39,595,800 | 4,623 |
| Average equity | $6,083,400 | 4,523 |
| Average total loans | $7,616,200 | 4,760 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4779% | 4,583 |
| Cost of funding earning assets | 0.2496% | 3,131 |
| Net interest margin | 2.2284% | 4,550 |
| Noninterest income to average assets | 0.8077% | 1,498 |
| Noninterest expense to average assets | 2.2028% | 3,061 |
| Loan and lease loss provision to assets | 0.2328% | 414 |
| Net operating income to assets | 0.4739% | 4,248 |
| Return on assets (ROA) | 0.4739% | 4,291 |
| Pretax return on assets | 0.4873% | 4,382 |
| Return on Equity (ROE) | 3.0959% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.0959% | 3,872 |
| Net charge-offs to loans | 0.3679% | 211 |
| Credit loss provision to net charge-offs | 318.1818% | 976 |
| Earnings coverage of net charge-offs (x) | 9.8182% | 2,061 |
| Efficiency ratio | 75.3425% | 1,086 |
| Assets per employee ($millions) | 6.8158% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5950% | 248 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,814 |
| Noncurrent loans to loans | 2.1798% | 381 |
| Net loans and leases to total assets | 18.3568% | 4,808 |
| Net loans and leases to deposits | 21.6471% | 4,811 |
| Net loans and leases to core deposits | 22.7203% | 4,808 |
| Total domestic deposits to total assets | 84.8001% | 3,179 |
| Equity capital to assets | 15.0190% | 542 |
| Core capital (leverage) ratio | 14.3425% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1708% | 134 |
| Memoranda: | ||
| Average total assets | $39,948,500 | 4,733 |
| Average earning assets | $37,933,750 | 4,706 |
| Average equity | $6,115,500 | 4,582 |
| Average total loans | $7,974,000 | 4,824 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4686% | 4,643 |
| Cost of funding earning assets | 0.2554% | 3,238 |
| Net interest margin | 2.2133% | 4,589 |
| Noninterest income to average assets | 0.9336% | 1,187 |
| Noninterest expense to average assets | 2.1447% | 3,258 |
| Loan and lease loss provision to assets | 0.3532% | 210 |
| Net operating income to assets | 0.5349% | 4,151 |
| Return on assets (ROA) | 0.5349% | 4,198 |
| Pretax return on assets | 0.5349% | 4,329 |
| Return on Equity (ROE) | 3.4716% | 4,413 |
| Retained earnings to average equity (ytd only) | 3.4716% | 3,697 |
| Net charge-offs to loans | 0.5457% | 146 |
| Credit loss provision to net charge-offs | 318.1818% | 864 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,900 |
| Efficiency ratio | 70.7155% | 1,555 |
| Assets per employee ($millions) | 6.7945% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4070% | 310 |
| Loan loss allowance to noncurrent loans | 117.6471% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 1,944 |
| Noncurrent loans to loans | 2.0460% | 468 |
| Net loans and leases to total assets | 19.8911% | 4,839 |
| Net loans and leases to deposits | 23.4459% | 4,835 |
| Net loans and leases to core deposits | 24.8308% | 4,829 |
| Total domestic deposits to total assets | 84.8382% | 3,166 |
| Equity capital to assets | 14.9803% | 530 |
| Core capital (leverage) ratio | 14.2108% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,633,000 | 4,768 |
| Average earning assets | $37,591,667 | 4,739 |
| Average equity | $6,106,667 | 4,612 |
| Average total loans | $8,063,000 | 4,860 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4654% | 4,668 |
| Cost of funding earning assets | 0.2487% | 3,484 |
| Net interest margin | 2.2167% | 4,600 |
| Noninterest income to average assets | 0.9727% | 1,183 |
| Noninterest expense to average assets | 2.1604% | 3,231 |
| Loan and lease loss provision to assets | 0.4096% | 184 |
| Net operating income to assets | 0.5017% | 4,175 |
| Return on assets (ROA) | 0.5017% | 4,213 |
| Pretax return on assets | 0.5017% | 4,346 |
| Return on Equity (ROE) | 3.2097% | 4,437 |
| Retained earnings to average equity (ytd only) | 3.2097% | 3,717 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3333% | 1,661 |
| Assets per employee ($millions) | 6.6747% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 330 |
| Loan loss allowance to noncurrent loans | 84.5815% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 1,668 |
| Noncurrent loans to loans | 2.7798% | 301 |
| Net loans and leases to total assets | 19.9111% | 4,859 |
| Net loans and leases to deposits | 23.4295% | 4,859 |
| Net loans and leases to core deposits | 24.2710% | 4,862 |
| Total domestic deposits to total assets | 84.9830% | 3,102 |
| Equity capital to assets | 14.8946% | 512 |
| Core capital (leverage) ratio | 15.0001% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,066,000 | 4,797 |
| Average earning assets | $36,991,500 | 4,768 |
| Average equity | $6,106,500 | 4,632 |
| Average total loans | $7,940,000 | 4,890 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0590% | 4,595 |
| Cost of funding earning assets | 0.3912% | 3,636 |
| Net interest margin | 2.6678% | 4,423 |
| Noninterest income to average assets | 0.3528% | 3,356 |
| Noninterest expense to average assets | 2.6376% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2144% | 4,553 |
| Return on assets (ROA) | 0.2256% | 4,601 |
| Pretax return on assets | 0.2314% | 4,628 |
| Return on Equity (ROE) | 1.2695% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.2695% | 4,121 |
| Net charge-offs to loans | 0.7309% | 199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.3103% | 3,267 |
| Efficiency ratio | 92.3077% | 308 |
| Assets per employee ($millions) | 6.3473% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 631 |
| Loan loss allowance to noncurrent loans | 38.9744% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 922 |
| Noncurrent loans to loans | 5.0557% | 84 |
| Net loans and leases to total assets | 19.8561% | 4,880 |
| Net loans and leases to deposits | 23.8647% | 4,886 |
| Net loans and leases to core deposits | 24.5376% | 4,883 |
| Total domestic deposits to total assets | 83.2029% | 3,355 |
| Equity capital to assets | 16.4058% | 390 |
| Core capital (leverage) ratio | 15.7965% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,576,400 | 4,835 |
| Average earning assets | $32,461,200 | 4,820 |
| Average equity | $6,144,200 | 4,630 |
| Average total loans | $7,935,400 | 4,920 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1849% | 4,606 |
| Cost of funding earning assets | 0.4218% | 3,692 |
| Net interest margin | 2.7631% | 4,385 |
| Noninterest income to average assets | 0.3679% | 3,256 |
| Noninterest expense to average assets | 2.7299% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2216% | 4,559 |
| Return on assets (ROA) | 0.2216% | 4,601 |
| Pretax return on assets | 0.2295% | 4,624 |
| Return on Equity (ROE) | 1.2204% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.2204% | 4,172 |
| Net charge-offs to loans | 0.1835% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.2727% | 2,746 |
| Efficiency ratio | 92.2460% | 301 |
| Assets per employee ($millions) | 5.8445% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4647% | 241 |
| Loan loss allowance to noncurrent loans | 85.7759% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 1,748 |
| Noncurrent loans to loans | 2.8734% | 339 |
| Net loans and leases to total assets | 22.4570% | 4,908 |
| Net loans and leases to deposits | 27.4821% | 4,906 |
| Net loans and leases to core deposits | 28.3386% | 4,910 |
| Total domestic deposits to total assets | 81.7150% | 3,492 |
| Equity capital to assets | 17.8059% | 316 |
| Core capital (leverage) ratio | 16.6190% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3539% | 155 |
| Memoranda: | ||
| Average total assets | $33,699,500 | 4,868 |
| Average earning assets | $31,606,500 | 4,856 |
| Average equity | $6,118,250 | 4,655 |
| Average total loans | $7,990,750 | 4,951 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 4,649 |
| Cost of funding earning assets | 0.4487% | 3,798 |
| Net interest margin | 2.8525% | 4,382 |
| Noninterest income to average assets | 0.4031% | 3,055 |
| Noninterest expense to average assets | 2.7554% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3128% | 4,396 |
| Return on assets (ROA) | 0.3128% | 4,443 |
| Pretax return on assets | 0.3249% | 4,504 |
| Return on Equity (ROE) | 1.7116% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.7116% | 3,869 |
| Net charge-offs to loans | 0.2763% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,554 |
| Efficiency ratio | 89.4531% | 399 |
| Assets per employee ($millions) | 4.9540% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3668% | 261 |
| Loan loss allowance to noncurrent loans | 95.6731% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 2,006 |
| Noncurrent loans to loans | 2.4738% | 477 |
| Net loans and leases to total assets | 23.6721% | 4,930 |
| Net loans and leases to deposits | 29.0430% | 4,934 |
| Net loans and leases to core deposits | 29.9588% | 4,935 |
| Total domestic deposits to total assets | 81.5070% | 3,495 |
| Equity capital to assets | 18.0143% | 302 |
| Core capital (leverage) ratio | 17.2016% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8260% | 159 |
| Memoranda: | ||
| Average total assets | $33,243,667 | 4,901 |
| Average earning assets | $31,200,333 | 4,887 |
| Average equity | $6,076,333 | 4,681 |
| Average total loans | $7,963,000 | 4,984 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 4,647 |
| Cost of funding earning assets | 0.5105% | 3,894 |
| Net interest margin | 2.9711% | 4,330 |
| Noninterest income to average assets | 0.3689% | 3,309 |
| Noninterest expense to average assets | 2.9760% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1722% | 4,566 |
| Return on assets (ROA) | 0.1722% | 4,574 |
| Pretax return on assets | 0.1845% | 4,584 |
| Return on Equity (ROE) | 0.9347% | 4,639 |
| Retained earnings to average equity (ytd only) | 0.9347% | 3,760 |
| Net charge-offs to loans | 0.5684% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.3636% | 2,397 |
| Efficiency ratio | 94.1634% | 372 |
| Assets per employee ($millions) | 4.6081% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5244% | 237 |
| Loan loss allowance to noncurrent loans | 157.9365% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,884 |
| Noncurrent loans to loans | 1.5984% | 977 |
| Net loans and leases to total assets | 23.8212% | 4,977 |
| Net loans and leases to deposits | 29.5880% | 4,979 |
| Net loans and leases to core deposits | 30.6014% | 4,978 |
| Total domestic deposits to total assets | 80.5097% | 3,761 |
| Equity capital to assets | 19.0439% | 281 |
| Core capital (leverage) ratio | 17.6314% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5964% | 145 |
| Memoranda: | ||
| Average total assets | $32,526,500 | 4,946 |
| Average earning assets | $30,561,000 | 4,929 |
| Average equity | $5,991,000 | 4,726 |
| Average total loans | $7,740,500 | 5,032 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 4,216 |
| Cost of funding earning assets | 0.5354% | 3,946 |
| Net interest margin | 3.4821% | 3,506 |
| Noninterest income to average assets | 0.4297% | 3,110 |
| Noninterest expense to average assets | 2.8774% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7411% | 3,729 |
| Return on assets (ROA) | 0.7411% | 3,803 |
| Pretax return on assets | 0.8128% | 3,945 |
| Return on Equity (ROE) | 4.1992% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.9345% | 2,998 |
| Net charge-offs to loans | 0.0612% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 52.2000% | 1,096 |
| Efficiency ratio | 77.9747% | 1,155 |
| Assets per employee ($millions) | 4.6851% | 2,964 |
| Cash dividends to net income (ytd only)* | 6.3025% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7639% | 160 |
| Loan loss allowance to noncurrent loans | 160.3053% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,800 |
| Noncurrent loans to loans | 1.7241% | 796 |
| Net loans and leases to total assets | 22.5271% | 5,054 |
| Net loans and leases to deposits | 27.4647% | 5,053 |
| Net loans and leases to core deposits | 28.3946% | 5,055 |
| Total domestic deposits to total assets | 82.0222% | 3,508 |
| Equity capital to assets | 17.8040% | 388 |
| Core capital (leverage) ratio | 17.1878% | 396 |
| Tier 1 risk-based capital ratio | 39.5998% | 248 |
| Total risk-based capital ratio | 40.8504% | 246 |
| Memoranda: | ||
| Average total assets | $32,112,800 | 5,001 |
| Average earning assets | $30,068,200 | 4,986 |
| Average equity | $5,667,800 | 4,800 |
| Average total loans | $8,175,200 | 5,087 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 4,153 |
| Cost of funding earning assets | 0.5354% | 3,997 |
| Net interest margin | 3.5649% | 3,352 |
| Noninterest income to average assets | 0.4466% | 3,041 |
| Noninterest expense to average assets | 2.9302% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7806% | 3,735 |
| Return on assets (ROA) | 0.7806% | 3,805 |
| Pretax return on assets | 0.8515% | 4,004 |
| Return on Equity (ROE) | 4.4325% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.4325% | 3,175 |
| Net charge-offs to loans | 0.0962% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 33.9988% | 1,511 |
| Efficiency ratio | 77.4834% | 1,155 |
| Assets per employee ($millions) | 4.5633% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4734% | 226 |
| Loan loss allowance to noncurrent loans | 251.8072% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 3,526 |
| Noncurrent loans to loans | 0.9822% | 1,631 |
| Net loans and leases to total assets | 25.7991% | 5,113 |
| Net loans and leases to deposits | 31.7940% | 5,110 |
| Net loans and leases to core deposits | 32.7948% | 5,114 |
| Total domestic deposits to total assets | 81.1445% | 3,711 |
| Equity capital to assets | 18.5236% | 348 |
| Core capital (leverage) ratio | 18.0030% | 353 |
| Tier 1 risk-based capital ratio | 38.9990% | 266 |
| Total risk-based capital ratio | 40.2451% | 260 |
| Memoranda: | ||
| Average total assets | $31,942,000 | 5,081 |
| Average earning assets | $29,883,000 | 5,064 |
| Average equity | $5,625,000 | 4,873 |
| Average total loans | $8,319,500 | 5,164 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 3,926 |
| Cost of funding earning assets | 0.5292% | 3,994 |
| Net interest margin | 3.6712% | 3,026 |
| Noninterest income to average assets | 0.4696% | 2,844 |
| Noninterest expense to average assets | 2.8865% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9392% | 3,133 |
| Return on assets (ROA) | 0.9392% | 3,200 |
| Pretax return on assets | 1.0143% | 3,493 |
| Return on Equity (ROE) | 5.4272% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,554 |
| Net charge-offs to loans | 0.1208% | 1,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,405 |
| Efficiency ratio | 73.9968% | 1,650 |
| Assets per employee ($millions) | 4.5504% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3432% | 278 |
| Loan loss allowance to noncurrent loans | 235.9551% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 3,442 |
| Noncurrent loans to loans | 0.9931% | 1,646 |
| Net loans and leases to total assets | 27.4762% | 5,132 |
| Net loans and leases to deposits | 33.6654% | 5,129 |
| Net loans and leases to core deposits | 34.7178% | 5,135 |
| Total domestic deposits to total assets | 81.6155% | 3,634 |
| Equity capital to assets | 18.1553% | 366 |
| Core capital (leverage) ratio | 18.0266% | 340 |
| Tier 1 risk-based capital ratio | 37.3738% | 286 |
| Total risk-based capital ratio | 38.6225% | 283 |
| Memoranda: | ||
| Average total assets | $31,941,670 | 5,123 |
| Average earning assets | $29,853,670 | 5,104 |
| Average equity | $5,527,670 | 4,916 |
| Average total loans | $8,276,000 | 5,213 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 3,074 |
| Cost of funding earning assets | 0.5235% | 3,954 |
| Net interest margin | 3.9197% | 2,130 |
| Noninterest income to average assets | 0.4877% | 2,625 |
| Noninterest expense to average assets | 2.9513% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1130% | 2,420 |
| Return on assets (ROA) | 1.1130% | 2,468 |
| Pretax return on assets | 1.1880% | 2,850 |
| Return on Equity (ROE) | 6.5926% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.5926% | 2,203 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2991% | 2,146 |
| Assets per employee ($millions) | 3.9790% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7075% | 190 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,339 |
| Noncurrent loans to loans | 1.2593% | 1,307 |
| Net loans and leases to total assets | 24.2712% | 5,234 |
| Net loans and leases to deposits | 29.4526% | 5,229 |
| Net loans and leases to core deposits | 30.3599% | 5,234 |
| Total domestic deposits to total assets | 82.4076% | 3,612 |
| Equity capital to assets | 17.4479% | 397 |
| Core capital (leverage) ratio | 17.4944% | 375 |
| Tier 1 risk-based capital ratio | 38.4998% | 251 |
| Total risk-based capital ratio | 39.7511% | 250 |
| Memoranda: | ||
| Average total assets | $31,986,000 | 5,176 |
| Average earning assets | $29,798,000 | 5,160 |
| Average equity | $5,400,000 | 4,981 |
| Average total loans | $7,933,000 | 5,279 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 4,605 |
| Cost of funding earning assets | 0.4364% | 3,763 |
| Net interest margin | 3.3045% | 4,246 |
| Noninterest income to average assets | 0.4022% | 3,424 |
| Noninterest expense to average assets | 2.8522% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6018% | 4,418 |
| Return on assets (ROA) | 0.6018% | 4,423 |
| Pretax return on assets | 0.6417% | 4,555 |
| Return on Equity (ROE) | 3.7727% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.4647% | 3,679 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6344% | 829 |
| Assets per employee ($millions) | 4.0175% | 3,870 |
| Cash dividends to net income (ytd only)* | 8.1633% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7129% | 182 |
| Loan loss allowance to noncurrent loans | 44.8852% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.4904% | 791 |
| Noncurrent loans to loans | 6.0442% | 71 |
| Net loans and leases to total assets | 23.9888% | 5,280 |
| Net loans and leases to deposits | 28.6991% | 5,285 |
| Net loans and leases to core deposits | 29.5583% | 5,280 |
| Total domestic deposits to total assets | 83.5874% | 3,130 |
| Equity capital to assets | 16.3223% | 488 |
| Core capital (leverage) ratio | 17.3396% | 375 |
| Tier 1 risk-based capital ratio | 36.8701% | 282 |
| Total risk-based capital ratio | 38.1215% | 279 |
| Memoranda: | ||
| Average total assets | $32,570,800 | 5,211 |
| Average earning assets | $30,473,800 | 5,189 |
| Average equity | $5,195,200 | 5,023 |
| Average total loans | $8,071,800 | 5,323 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,641 |
| Cost of funding earning assets | 0.4174% | 3,741 |
| Net interest margin | 3.2871% | 4,311 |
| Noninterest income to average assets | 0.4080% | 3,434 |
| Noninterest expense to average assets | 2.8438% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6120% | 4,468 |
| Return on assets (ROA) | 0.6120% | 4,475 |
| Pretax return on assets | 0.6487% | 4,639 |
| Return on Equity (ROE) | 3.8591% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,851 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4252% | 820 |
| Assets per employee ($millions) | 4.0785% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6140% | 206 |
| Loan loss allowance to noncurrent loans | 93.0736% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 2,078 |
| Noncurrent loans to loans | 2.8085% | 420 |
| Net loans and leases to total assets | 24.5495% | 5,345 |
| Net loans and leases to deposits | 29.1146% | 5,350 |
| Net loans and leases to core deposits | 29.9618% | 5,346 |
| Total domestic deposits to total assets | 84.3202% | 2,847 |
| Equity capital to assets | 15.5419% | 608 |
| Core capital (leverage) ratio | 16.8940% | 430 |
| Tier 1 risk-based capital ratio | 35.7382% | 307 |
| Total risk-based capital ratio | 36.9843% | 304 |
| Memoranda: | ||
| Average total assets | $32,678,500 | 5,279 |
| Average earning assets | $30,664,250 | 5,257 |
| Average equity | $5,182,500 | 5,082 |
| Average total loans | $8,108,500 | 5,390 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,687 |
| Cost of funding earning assets | 0.3915% | 3,795 |
| Net interest margin | 3.2558% | 4,370 |
| Noninterest income to average assets | 0.4282% | 3,306 |
| Noninterest expense to average assets | 2.7833% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6545% | 4,334 |
| Return on assets (ROA) | 0.6545% | 4,344 |
| Pretax return on assets | 0.6973% | 4,520 |
| Return on Equity (ROE) | 4.0999% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,556 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9649% | 1,023 |
| Assets per employee ($millions) | 4.0273% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4850% | 249 |
| Loan loss allowance to noncurrent loans | 111.9792% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 2,440 |
| Noncurrent loans to loans | 2.2191% | 625 |
| Net loans and leases to total assets | 26.1872% | 5,381 |
| Net loans and leases to deposits | 31.2296% | 5,383 |
| Net loans and leases to core deposits | 32.1532% | 5,384 |
| Total domestic deposits to total assets | 83.8537% | 3,120 |
| Equity capital to assets | 16.0469% | 496 |
| Core capital (leverage) ratio | 16.9562% | 402 |
| Tier 1 risk-based capital ratio | 35.6498% | 319 |
| Total risk-based capital ratio | 36.8959% | 312 |
| Memoranda: | ||
| Average total assets | $32,695,330 | 5,347 |
| Average earning assets | $30,653,000 | 5,322 |
| Average equity | $5,219,670 | 5,130 |
| Average total loans | $8,069,670 | 5,453 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,678 |
| Cost of funding earning assets | 0.4014% | 3,575 |
| Net interest margin | 3.2109% | 4,425 |
| Noninterest income to average assets | 0.4129% | 3,371 |
| Noninterest expense to average assets | 2.8663% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5344% | 4,616 |
| Return on assets (ROA) | 0.5344% | 4,620 |
| Pretax return on assets | 0.5587% | 4,769 |
| Return on Equity (ROE) | 3.3559% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.3559% | 3,865 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6879% | 822 |
| Assets per employee ($millions) | 4.0896% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5752% | 238 |
| Loan loss allowance to noncurrent loans | 123.5632% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 2,748 |
| Noncurrent loans to loans | 2.0841% | 748 |
| Net loans and leases to total assets | 24.8617% | 5,450 |
| Net loans and leases to deposits | 29.5728% | 5,456 |
| Net loans and leases to core deposits | 30.4291% | 5,456 |
| Total domestic deposits to total assets | 84.0694% | 3,295 |
| Equity capital to assets | 15.8419% | 513 |
| Core capital (leverage) ratio | 16.4045% | 442 |
| Tier 1 risk-based capital ratio | 35.0616% | 324 |
| Total risk-based capital ratio | 36.3136% | 324 |
| Memoranda: | ||
| Average total assets | $32,934,000 | 5,394 |
| Average earning assets | $30,894,500 | 5,375 |
| Average equity | $5,244,500 | 5,181 |
| Average total loans | $7,778,500 | 5,520 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 4,537 |
| Cost of funding earning assets | 0.3687% | 3,530 |
| Net interest margin | 3.2490% | 4,310 |
| Noninterest income to average assets | 0.4695% | 3,193 |
| Noninterest expense to average assets | 2.7366% | 3,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7197% | 3,520 |
| Return on assets (ROA) | 0.7197% | 3,565 |
| Pretax return on assets | 0.7814% | 4,301 |
| Return on Equity (ROE) | 4.3921% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.0905% | 2,718 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7875% | 1,386 |
| Assets per employee ($millions) | 4.1439% | 3,756 |
| Cash dividends to net income (ytd only)* | 6.8670% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9828% | 143 |
| Loan loss allowance to noncurrent loans | 524.3902% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,509 |
| Noncurrent loans to loans | 0.5688% | 2,796 |
| Net loans and leases to total assets | 21.0944% | 5,564 |
| Net loans and leases to deposits | 25.1303% | 5,563 |
| Net loans and leases to core deposits | 25.8473% | 5,565 |
| Total domestic deposits to total assets | 83.9402% | 3,232 |
| Equity capital to assets | 16.0056% | 516 |
| Core capital (leverage) ratio | 16.0641% | 469 |
| Tier 1 risk-based capital ratio | 38.4086% | 246 |
| Total risk-based capital ratio | 39.6612% | 239 |
| Memoranda: | ||
| Average total assets | $32,376,200 | 5,461 |
| Average earning assets | $30,378,400 | 5,436 |
| Average equity | $5,305,000 | 5,219 |
| Average total loans | $7,307,600 | 5,593 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 4,535 |
| Cost of funding earning assets | 0.3574% | 3,591 |
| Net interest margin | 3.2522% | 4,319 |
| Noninterest income to average assets | 0.4930% | 3,067 |
| Noninterest expense to average assets | 2.7426% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7457% | 3,756 |
| Return on assets (ROA) | 0.7457% | 3,821 |
| Pretax return on assets | 0.8037% | 4,338 |
| Return on Equity (ROE) | 4.5241% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.5241% | 3,207 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3364% | 1,417 |
| Assets per employee ($millions) | 4.1281% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6745% | 214 |
| Loan loss allowance to noncurrent loans | 524.3902% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,625 |
| Noncurrent loans to loans | 0.5100% | 3,176 |
| Net loans and leases to total assets | 23.6911% | 5,604 |
| Net loans and leases to deposits | 28.4447% | 5,607 |
| Net loans and leases to core deposits | 29.2639% | 5,613 |
| Total domestic deposits to total assets | 83.2884% | 3,362 |
| Equity capital to assets | 16.3694% | 495 |
| Core capital (leverage) ratio | 16.3186% | 456 |
| Tier 1 risk-based capital ratio | 36.8708% | 282 |
| Total risk-based capital ratio | 38.1239% | 280 |
| Memoranda: | ||
| Average total assets | $32,182,500 | 5,521 |
| Average earning assets | $30,214,750 | 5,496 |
| Average equity | $5,304,750 | 5,280 |
| Average total loans | $7,332,500 | 5,654 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 4,567 |
| Cost of funding earning assets | 0.3538% | 3,541 |
| Net interest margin | 3.2245% | 4,339 |
| Noninterest income to average assets | 0.4890% | 3,091 |
| Noninterest expense to average assets | 2.7271% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7272% | 3,725 |
| Return on assets (ROA) | 0.7272% | 3,789 |
| Pretax return on assets | 0.7899% | 4,310 |
| Return on Equity (ROE) | 4.4014% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.4014% | 3,088 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5401% | 1,527 |
| Assets per employee ($millions) | 3.9261% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8141% | 200 |
| Loan loss allowance to noncurrent loans | 92.6724% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 2,352 |
| Noncurrent loans to loans | 3.0366% | 425 |
| Net loans and leases to total assets | 23.6397% | 5,654 |
| Net loans and leases to deposits | 28.6901% | 5,649 |
| Net loans and leases to core deposits | 29.5664% | 5,648 |
| Total domestic deposits to total assets | 82.3968% | 3,772 |
| Equity capital to assets | 17.1766% | 391 |
| Core capital (leverage) ratio | 16.6007% | 408 |
| Tier 1 risk-based capital ratio | 36.8929% | 265 |
| Total risk-based capital ratio | 38.1408% | 263 |
| Memoranda: | ||
| Average total assets | $31,901,670 | 5,572 |
| Average earning assets | $29,958,000 | 5,547 |
| Average equity | $5,271,000 | 5,319 |
| Average total loans | $7,097,000 | 5,705 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 4,859 |
| Cost of funding earning assets | 0.3452% | 3,585 |
| Net interest margin | 3.0936% | 4,664 |
| Noninterest income to average assets | 0.4977% | 2,995 |
| Noninterest expense to average assets | 2.7996% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5848% | 4,219 |
| Return on assets (ROA) | 0.5848% | 4,266 |
| Pretax return on assets | 0.5972% | 4,741 |
| Return on Equity (ROE) | 3.6091% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.6091% | 3,634 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4176% | 1,119 |
| Assets per employee ($millions) | 4.0263% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0342% | 166 |
| Loan loss allowance to noncurrent loans | 92.6724% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 2,496 |
| Noncurrent loans to loans | 3.2741% | 387 |
| Net loans and leases to total assets | 21.3319% | 5,740 |
| Net loans and leases to deposits | 25.5722% | 5,727 |
| Net loans and leases to core deposits | 26.3226% | 5,730 |
| Total domestic deposits to total assets | 83.4182% | 3,692 |
| Equity capital to assets | 16.3086% | 454 |
| Core capital (leverage) ratio | 16.0924% | 450 |
| Tier 1 risk-based capital ratio | 37.5851% | 263 |
| Total risk-based capital ratio | 38.8372% | 259 |
| Memoranda: | ||
| Average total assets | $32,148,000 | 5,638 |
| Average earning assets | $30,126,500 | 5,608 |
| Average equity | $5,209,000 | 5,380 |
| Average total loans | $6,825,500 | 5,776 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 4,961 |
| Cost of funding earning assets | 0.3556% | 3,458 |
| Net interest margin | 3.0539% | 4,839 |
| Noninterest income to average assets | 0.4406% | 3,612 |
| Noninterest expense to average assets | 2.5183% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7313% | 3,635 |
| Return on assets (ROA) | 0.7313% | 3,748 |
| Pretax return on assets | 0.7864% | 4,221 |
| Return on Equity (ROE) | 4.4952% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.4952% | 2,706 |
| Net charge-offs to loans | 0.0448% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 680 |
| Efficiency ratio | 76.2037% | 1,951 |
| Assets per employee ($millions) | 4.0108% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2749% | 130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 19.7906% | 5,803 |
| Net loans and leases to deposits | 23.6385% | 5,803 |
| Net loans and leases to core deposits | 24.0996% | 5,806 |
| Total domestic deposits to total assets | 83.7219% | 3,530 |
| Equity capital to assets | 16.0974% | 486 |
| Core capital (leverage) ratio | 15.7565% | 491 |
| Tier 1 risk-based capital ratio | 39.1007% | 236 |
| Total risk-based capital ratio | 40.3536% | 231 |
| Memoranda: | ||
| Average total assets | $32,681,000 | 5,681 |
| Average earning assets | $30,649,000 | 5,651 |
| Average equity | $5,316,800 | 5,411 |
| Average total loans | $6,698,000 | 5,834 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,025 |
| Cost of funding earning assets | 0.3547% | 3,495 |
| Net interest margin | 3.0450% | 4,914 |
| Noninterest income to average assets | 0.4427% | 3,610 |
| Noninterest expense to average assets | 2.5017% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7554% | 3,584 |
| Return on assets (ROA) | 0.7554% | 3,711 |
| Pretax return on assets | 0.8001% | 4,309 |
| Return on Equity (ROE) | 4.6312% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.6312% | 3,068 |
| Net charge-offs to loans | 0.0594% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 65.6650% | 898 |
| Efficiency ratio | 75.7688% | 2,009 |
| Assets per employee ($millions) | 4.0796% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1114% | 165 |
| Loan loss allowance to noncurrent loans | 210.7843% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 4,159 |
| Noncurrent loans to loans | 1.4761% | 1,459 |
| Net loans and leases to total assets | 20.5135% | 5,861 |
| Net loans and leases to deposits | 24.8423% | 5,861 |
| Net loans and leases to core deposits | 25.3253% | 5,868 |
| Total domestic deposits to total assets | 82.5750% | 3,750 |
| Equity capital to assets | 16.6896% | 461 |
| Core capital (leverage) ratio | 15.4654% | 560 |
| Tier 1 risk-based capital ratio | 37.6712% | 269 |
| Total risk-based capital ratio | 38.9209% | 268 |
| Memoranda: | ||
| Average total assets | $32,829,750 | 5,738 |
| Average earning assets | $30,825,750 | 5,707 |
| Average equity | $5,354,750 | 5,457 |
| Average total loans | $6,731,250 | 5,898 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3702% | 5,145 |
| Cost of funding earning assets | 0.3558% | 3,502 |
| Net interest margin | 3.0144% | 5,045 |
| Noninterest income to average assets | 0.4256% | 3,688 |
| Noninterest expense to average assets | 2.4260% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7904% | 3,355 |
| Return on assets (ROA) | 0.7904% | 3,495 |
| Pretax return on assets | 0.8330% | 4,182 |
| Return on Equity (ROE) | 4.8835% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.8835% | 2,804 |
| Net charge-offs to loans | 0.0899% | 1,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 45.6667% | 1,057 |
| Efficiency ratio | 74.4403% | 2,301 |
| Assets per employee ($millions) | 4.0371% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0736% | 178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 20.9927% | 5,928 |
| Net loans and leases to deposits | 25.5012% | 5,929 |
| Net loans and leases to core deposits | 26.2648% | 5,934 |
| Total domestic deposits to total assets | 82.3203% | 3,901 |
| Equity capital to assets | 16.8282% | 449 |
| Core capital (leverage) ratio | 15.5218% | 525 |
| Tier 1 risk-based capital ratio | 37.3163% | 279 |
| Total risk-based capital ratio | 38.5682% | 278 |
| Memoranda: | ||
| Average total assets | $32,894,000 | 5,801 |
| Average earning assets | $30,918,330 | 5,773 |
| Average equity | $5,324,000 | 5,516 |
| Average total loans | $6,671,670 | 5,978 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,331 |
| Cost of funding earning assets | 0.3589% | 3,513 |
| Net interest margin | 2.9354% | 5,247 |
| Noninterest income to average assets | 0.4097% | 3,754 |
| Noninterest expense to average assets | 2.3017% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8315% | 3,088 |
| Return on assets (ROA) | 0.8315% | 3,217 |
| Pretax return on assets | 0.8677% | 3,976 |
| Return on Equity (ROE) | 5.2387% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.2387% | 2,792 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6236% | 2,711 |
| Assets per employee ($millions) | 4.6613% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2625% | 171 |
| Loan loss allowance to noncurrent loans | 1,453.3333% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 5,443 |
| Noncurrent loans to loans | 0.2245% | 4,623 |
| Net loans and leases to total assets | 19.8106% | 5,994 |
| Net loans and leases to deposits | 23.9221% | 5,990 |
| Net loans and leases to core deposits | 24.6257% | 5,995 |
| Total domestic deposits to total assets | 82.8128% | 3,962 |
| Equity capital to assets | 16.4026% | 489 |
| Core capital (leverage) ratio | 14.9113% | 619 |
| Tier 1 risk-based capital ratio | 37.2105% | 283 |
| Total risk-based capital ratio | 38.4592% | 281 |
| Memoranda: | ||
| Average total assets | $33,192,500 | 5,857 |
| Average earning assets | $31,205,500 | 5,827 |
| Average equity | $5,268,500 | 5,563 |
| Average total loans | $6,510,000 | 6,041 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0955% | 5,633 |
| Cost of funding earning assets | 0.3742% | 3,434 |
| Net interest margin | 2.7212% | 5,626 |
| Noninterest income to average assets | 0.3785% | 4,191 |
| Noninterest expense to average assets | 2.3339% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5940% | 4,300 |
| Return on assets (ROA) | 0.6368% | 4,185 |
| Pretax return on assets | 0.6668% | 4,625 |
| Return on Equity (ROE) | 4.1218% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.5191% | 3,556 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9634% | 1,821 |
| Assets per employee ($millions) | 4.8223% | 2,575 |
| Cash dividends to net income (ytd only)* | 14.6226% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4396% | 136 |
| 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 | 18.1301% | 6,075 |
| Net loans and leases to deposits | 21.5660% | 6,072 |
| Net loans and leases to core deposits | 22.1675% | 6,077 |
| Total domestic deposits to total assets | 84.0680% | 3,452 |
| Equity capital to assets | 15.3602% | 620 |
| Core capital (leverage) ratio | 14.3772% | 736 |
| Tier 1 risk-based capital ratio | 37.0690% | 280 |
| Total risk-based capital ratio | 38.3228% | 276 |
| Memoranda: | ||
| Average total assets | $33,291,600 | 5,904 |
| Average earning assets | $31,530,000 | 5,867 |
| Average equity | $5,143,400 | 5,623 |
| Average total loans | $6,055,200 | 6,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 5,712 |
| Cost of funding earning assets | 0.3810% | 3,425 |
| Net interest margin | 2.7178% | 5,703 |
| Noninterest income to average assets | 0.3778% | 4,229 |
| Noninterest expense to average assets | 2.3028% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6183% | 4,298 |
| Return on assets (ROA) | 0.6712% | 4,138 |
| Pretax return on assets | 0.7113% | 4,649 |
| Return on Equity (ROE) | 4.3378% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.3378% | 3,386 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8533% | 1,963 |
| Assets per employee ($millions) | 4.6043% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5580% | 132 |
| Loan loss allowance to noncurrent loans | 1,147.3684% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 5,540 |
| Noncurrent loans to loans | 0.3101% | 4,492 |
| Net loans and leases to total assets | 18.3339% | 6,158 |
| Net loans and leases to deposits | 22.0543% | 6,161 |
| Net loans and leases to core deposits | 22.7060% | 6,162 |
| Total domestic deposits to total assets | 83.1306% | 3,765 |
| Equity capital to assets | 16.1651% | 536 |
| Core capital (leverage) ratio | 14.8212% | 672 |
| Tier 1 risk-based capital ratio | 38.3110% | 275 |
| Total risk-based capital ratio | 39.5627% | 274 |
| Memoranda: | ||
| Average total assets | $33,175,500 | 5,989 |
| Average earning assets | $31,494,750 | 5,945 |
| Average equity | $5,133,000 | 5,695 |
| Average total loans | $5,984,500 | 6,187 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 5,808 |
| Cost of funding earning assets | 0.3821% | 3,457 |
| Net interest margin | 2.6622% | 5,810 |
| Noninterest income to average assets | 0.3583% | 4,384 |
| Noninterest expense to average assets | 2.2932% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5715% | 4,464 |
| Return on assets (ROA) | 0.6509% | 4,230 |
| Pretax return on assets | 0.6868% | 4,700 |
| Return on Equity (ROE) | 4.2684% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.2684% | 3,305 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1753% | 1,882 |
| Assets per employee ($millions) | 4.7376% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6165% | 146 |
| 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 | 17.5195% | 6,236 |
| Net loans and leases to deposits | 20.7960% | 6,241 |
| Net loans and leases to core deposits | 21.3831% | 6,242 |
| Total domestic deposits to total assets | 84.2445% | 3,469 |
| Equity capital to assets | 15.2550% | 656 |
| Core capital (leverage) ratio | 14.3981% | 736 |
| Tier 1 risk-based capital ratio | 37.9417% | 296 |
| Total risk-based capital ratio | 39.1964% | 293 |
| Memoranda: | ||
| Average total assets | $33,490,670 | 6,045 |
| Average earning assets | $31,928,670 | 5,996 |
| Average equity | $5,107,330 | 5,754 |
| Average total loans | $5,937,000 | 6,262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9290% | 5,969 |
| Cost of funding earning assets | 0.3955% | 3,359 |
| Net interest margin | 2.5335% | 5,982 |
| Noninterest income to average assets | 0.3447% | 4,442 |
| Noninterest expense to average assets | 2.3058% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4754% | 4,779 |
| Return on assets (ROA) | 0.4754% | 4,899 |
| Pretax return on assets | 0.4754% | 5,248 |
| Return on Equity (ROE) | 3.1180% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.1180% | 4,116 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9060% | 1,507 |
| Assets per employee ($millions) | 4.7966% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5932% | 169 |
| Loan loss allowance to noncurrent loans | 660.6061% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 5,555 |
| Noncurrent loans to loans | 0.5439% | 3,955 |
| Net loans and leases to total assets | 17.4202% | 6,297 |
| Net loans and leases to deposits | 20.8416% | 6,299 |
| Net loans and leases to core deposits | 21.6309% | 6,295 |
| Total domestic deposits to total assets | 83.5835% | 3,979 |
| Equity capital to assets | 15.5438% | 612 |
| Core capital (leverage) ratio | 13.9641% | 831 |
| Tier 1 risk-based capital ratio | 29.8145% | 547 |
| Total risk-based capital ratio | 31.0620% | 542 |
| Memoranda: | ||
| Average total assets | $33,654,500 | 6,105 |
| Average earning assets | $32,366,500 | 6,051 |
| Average equity | $5,131,500 | 5,799 |
| Average total loans | $5,891,500 | 6,330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2326% | 5,793 |
| Cost of funding earning assets | 0.4061% | 3,630 |
| Net interest margin | 2.8264% | 5,767 |
| Noninterest income to average assets | 0.4235% | 4,020 |
| Noninterest expense to average assets | 2.3446% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7058% | 3,860 |
| Return on assets (ROA) | 0.7058% | 3,979 |
| Pretax return on assets | 0.7058% | 4,602 |
| Return on Equity (ROE) | 4.8045% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.1569% | 3,237 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8612% | 2,382 |
| Assets per employee ($millions) | 4.8190% | 2,569 |
| Cash dividends to net income (ytd only)* | 13.4783% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8139% | 149 |
| Loan loss allowance to noncurrent loans | 506.9767% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 5,523 |
| Noncurrent loans to loans | 0.7523% | 3,445 |
| Net loans and leases to total assets | 16.2986% | 6,409 |
| Net loans and leases to deposits | 19.3027% | 6,410 |
| Net loans and leases to core deposits | 20.0204% | 6,404 |
| Total domestic deposits to total assets | 84.4366% | 3,544 |
| Equity capital to assets | 14.9527% | 714 |
| Core capital (leverage) ratio | 13.9078% | 838 |
| Tier 1 risk-based capital ratio | 39.7353% | 240 |
| Total risk-based capital ratio | 40.9908% | 237 |
| Memoranda: | ||
| Average total assets | $32,585,800 | 6,206 |
| Average earning assets | $30,285,600 | 6,179 |
| Average equity | $4,787,200 | 5,908 |
| Average total loans | $6,460,600 | 6,409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3161% | 5,739 |
| Cost of funding earning assets | 0.4139% | 3,641 |
| Net interest margin | 2.9022% | 5,696 |
| Noninterest income to average assets | 0.4252% | 4,060 |
| Noninterest expense to average assets | 2.3282% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7596% | 3,628 |
| Return on assets (ROA) | 0.7596% | 3,720 |
| Pretax return on assets | 0.7596% | 4,504 |
| Return on Equity (ROE) | 5.1944% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.1944% | 2,957 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4011% | 2,595 |
| Assets per employee ($millions) | 4.6664% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2576% | 281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 19.8194% | 6,449 |
| Net loans and leases to deposits | 23.5008% | 6,454 |
| Net loans and leases to core deposits | 24.4035% | 6,451 |
| Total domestic deposits to total assets | 84.3349% | 3,626 |
| Equity capital to assets | 15.1416% | 710 |
| Core capital (leverage) ratio | 14.5470% | 711 |
| Tier 1 risk-based capital ratio | 37.8087% | 281 |
| Total risk-based capital ratio | 39.0639% | 278 |
| Memoranda: | ||
| Average total assets | $32,299,000 | 6,282 |
| Average earning assets | $29,632,500 | 6,265 |
| Average equity | $4,723,000 | 5,986 |
| Average total loans | $6,646,750 | 6,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 5,695 |
| Cost of funding earning assets | 0.4259% | 3,594 |
| Net interest margin | 2.9333% | 5,672 |
| Noninterest income to average assets | 0.4413% | 3,930 |
| Noninterest expense to average assets | 2.3433% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7521% | 3,557 |
| Return on assets (ROA) | 0.7521% | 3,655 |
| Pretax return on assets | 0.7521% | 4,448 |
| Return on Equity (ROE) | 5.2058% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.2058% | 2,828 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7028% | 2,689 |
| Assets per employee ($millions) | 4.6733% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2339% | 294 |
| Loan loss allowance to noncurrent loans | 1,211.1111% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 6,019 |
| Noncurrent loans to loans | 0.2670% | 5,216 |
| Net loans and leases to total assets | 19.9401% | 6,506 |
| Net loans and leases to deposits | 23.5402% | 6,516 |
| Net loans and leases to core deposits | 24.4371% | 6,514 |
| Total domestic deposits to total assets | 84.7064% | 3,637 |
| Equity capital to assets | 14.8167% | 746 |
| Core capital (leverage) ratio | 14.1623% | 785 |
| Tier 1 risk-based capital ratio | 36.9337% | 302 |
| Total risk-based capital ratio | 38.1926% | 295 |
| Memoranda: | ||
| Average total assets | $32,177,000 | 6,342 |
| Average earning assets | $29,113,670 | 6,333 |
| Average equity | $4,648,670 | 6,042 |
| Average total loans | $6,631,670 | 6,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 5,700 |
| Cost of funding earning assets | 0.4343% | 3,606 |
| Net interest margin | 2.9420% | 5,664 |
| Noninterest income to average assets | 0.4262% | 3,976 |
| Noninterest expense to average assets | 2.4319% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6268% | 4,057 |
| Return on assets (ROA) | 0.6268% | 4,142 |
| Pretax return on assets | 0.6268% | 4,734 |
| Return on Equity (ROE) | 4.3961% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.3961% | 3,489 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5082% | 2,276 |
| Assets per employee ($millions) | 4.6230% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2586% | 342 |
| Loan loss allowance to noncurrent loans | 1,211.1111% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,108 |
| Noncurrent loans to loans | 0.2691% | 5,297 |
| Net loans and leases to total assets | 19.9994% | 6,579 |
| Net loans and leases to deposits | 23.4331% | 6,583 |
| Net loans and leases to core deposits | 24.3272% | 6,578 |
| Total domestic deposits to total assets | 85.3466% | 3,698 |
| Equity capital to assets | 14.3846% | 815 |
| Core capital (leverage) ratio | 14.0904% | 793 |
| Tier 1 risk-based capital ratio | 36.9209% | 289 |
| Total risk-based capital ratio | 38.1747% | 286 |
| Memoranda: | ||
| Average total assets | $31,909,000 | 6,417 |
| Average earning assets | $28,552,000 | 6,405 |
| Average equity | $4,549,500 | 6,121 |
| Average total loans | $6,577,000 | 6,609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 5,591 |
| Cost of funding earning assets | 0.4571% | 4,045 |
| Net interest margin | 3.0683% | 5,410 |
| Noninterest income to average assets | 0.5022% | 3,744 |
| Noninterest expense to average assets | 2.4637% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8160% | 3,212 |
| Return on assets (ROA) | 0.8160% | 3,309 |
| Pretax return on assets | 0.8191% | 4,077 |
| Return on Equity (ROE) | 5.5338% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.2784% | 2,431 |
| Net charge-offs to loans | -0.0150% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0478% | 2,938 |
| Assets per employee ($millions) | 3.9321% | 3,995 |
| Cash dividends to net income (ytd only)* | 4.6154% | 4,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3725% | 322 |
| Loan loss allowance to noncurrent loans | 1,090.0000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 6,166 |
| Noncurrent loans to loans | 0.3094% | 5,258 |
| Net loans and leases to total assets | 19.8557% | 6,671 |
| Net loans and leases to deposits | 23.1385% | 6,678 |
| Net loans and leases to core deposits | 23.8115% | 6,671 |
| Total domestic deposits to total assets | 85.8124% | 3,357 |
| Equity capital to assets | 14.1272% | 866 |
| Core capital (leverage) ratio | 14.3635% | 728 |
| Tier 1 risk-based capital ratio | 37.3314% | 272 |
| Total risk-based capital ratio | 38.5883% | 271 |
| Memoranda: | ||
| Average total assets | $31,862,400 | 6,484 |
| Average earning assets | $28,875,800 | 6,469 |
| Average equity | $4,698,400 | 6,142 |
| Average total loans | $6,667,200 | 6,694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5199% | 5,639 |
| Cost of funding earning assets | 0.4623% | 4,145 |
| Net interest margin | 3.0576% | 5,441 |
| Noninterest income to average assets | 0.4088% | 4,466 |
| Noninterest expense to average assets | 2.4569% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7383% | 3,658 |
| Return on assets (ROA) | 0.7383% | 3,788 |
| Pretax return on assets | 0.7383% | 4,547 |
| Return on Equity (ROE) | 4.9557% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.9557% | 3,118 |
| Net charge-offs to loans | -0.0198% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8930% | 2,577 |
| Assets per employee ($millions) | 3.8666% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8878% | 624 |
| Loan loss allowance to noncurrent loans | 10,900.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,496 |
| Noncurrent loans to loans | 0.0265% | 6,273 |
| Net loans and leases to total assets | 23.6996% | 6,695 |
| Net loans and leases to deposits | 27.7322% | 6,701 |
| Net loans and leases to core deposits | 28.5553% | 6,700 |
| Total domestic deposits to total assets | 85.4589% | 3,517 |
| Equity capital to assets | 14.3827% | 857 |
| Core capital (leverage) ratio | 14.1747% | 829 |
| Tier 1 risk-based capital ratio | 34.3422% | 359 |
| Total risk-based capital ratio | 35.5948% | 351 |
| Memoranda: | ||
| Average total assets | $31,963,750 | 6,557 |
| Average earning assets | $29,128,750 | 6,537 |
| Average equity | $4,762,000 | 6,204 |
| Average total loans | $6,718,000 | 6,773 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 5,813 |
| Cost of funding earning assets | 0.4660% | 4,251 |
| Net interest margin | 2.9741% | 5,632 |
| Noninterest income to average assets | 0.4024% | 4,507 |
| Noninterest expense to average assets | 2.4205% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6686% | 3,972 |
| Return on assets (ROA) | 0.6686% | 4,129 |
| Pretax return on assets | 0.6686% | 4,783 |
| Return on Equity (ROE) | 4.4387% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.4387% | 3,446 |
| Net charge-offs to loans | -0.0311% | 6,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3567% | 2,401 |
| Assets per employee ($millions) | 4.0210% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2566% | 459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 20.1318% | 6,790 |
| Net loans and leases to deposits | 23.6411% | 6,807 |
| Net loans and leases to core deposits | 24.3157% | 6,808 |
| Total domestic deposits to total assets | 85.1561% | 3,822 |
| Equity capital to assets | 14.3093% | 873 |
| Core capital (leverage) ratio | 13.4555% | 995 |
| Tier 1 risk-based capital ratio | 34.7708% | 345 |
| Total risk-based capital ratio | 36.0269% | 340 |
| Memoranda: | ||
| Average total assets | $32,307,330 | 6,595 |
| Average earning assets | $29,185,330 | 6,581 |
| Average equity | $4,866,330 | 6,221 |
| Average total loans | $6,441,000 | 6,827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3513% | 6,042 |
| Cost of funding earning assets | 0.4651% | 4,426 |
| Net interest margin | 2.8863% | 5,838 |
| Noninterest income to average assets | 0.3953% | 4,497 |
| Noninterest expense to average assets | 2.4338% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5683% | 4,369 |
| Return on assets (ROA) | 0.5683% | 4,519 |
| Pretax return on assets | 0.5683% | 5,055 |
| Return on Equity (ROE) | 3.6815% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.6815% | 4,016 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0700% | 2,178 |
| Assets per employee ($millions) | 4.1259% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2720% | 503 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,550 |
| Noncurrent loans to loans | 0.1055% | 6,163 |
| Net loans and leases to total assets | 19.4353% | 6,865 |
| Net loans and leases to deposits | 23.2327% | 6,876 |
| Net loans and leases to core deposits | 23.8884% | 6,866 |
| Total domestic deposits to total assets | 83.6550% | 4,609 |
| Equity capital to assets | 15.1362% | 724 |
| Core capital (leverage) ratio | 13.1360% | 1,063 |
| Tier 1 risk-based capital ratio | 34.4791% | 366 |
| Total risk-based capital ratio | 35.7350% | 358 |
| Memoranda: | ||
| Average total assets | $32,377,000 | 6,656 |
| Average earning assets | $29,242,000 | 6,642 |
| Average equity | $4,998,000 | 6,246 |
| Average total loans | $6,314,500 | 6,904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 5,887 |
| Cost of funding earning assets | 0.5016% | 5,209 |
| Net interest margin | 3.2750% | 5,341 |
| Noninterest income to average assets | 0.4550% | 4,217 |
| Noninterest expense to average assets | 2.6697% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8236% | 3,165 |
| Return on assets (ROA) | 0.8531% | 3,275 |
| Pretax return on assets | 0.8732% | 4,018 |
| Return on Equity (ROE) | 5.2791% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.5545% | 3,016 |
| Net charge-offs to loans | -0.0328% | 6,625 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 2,746 |
| Assets per employee ($millions) | 3.9684% | 4,015 |
| Cash dividends to net income (ytd only)* | 13.7255% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6185% | 387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 18.2064% | 6,948 |
| Net loans and leases to deposits | 21.9505% | 6,954 |
| Net loans and leases to core deposits | 22.3805% | 6,956 |
| Total domestic deposits to total assets | 82.9433% | 4,743 |
| Equity capital to assets | 15.7495% | 598 |
| Core capital (leverage) ratio | 13.6190% | 910 |
| Tier 1 risk-based capital ratio | 36.2633% | 309 |
| Total risk-based capital ratio | 37.5214% | 300 |
| Memoranda: | ||
| Average total assets | $29,890,800 | 6,756 |
| Average earning assets | $27,908,200 | 6,719 |
| Average equity | $4,830,400 | 6,342 |
| Average total loans | $6,096,400 | 6,974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 5,843 |
| Cost of funding earning assets | 0.5108% | 5,369 |
| Net interest margin | 3.3636% | 5,167 |
| Noninterest income to average assets | 0.4758% | 4,095 |
| Noninterest expense to average assets | 2.7276% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9107% | 2,926 |
| Return on assets (ROA) | 0.9515% | 2,967 |
| Pretax return on assets | 0.9515% | 3,910 |
| Return on Equity (ROE) | 5.8477% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.8477% | 2,790 |
| Net charge-offs to loans | -0.0436% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9689% | 2,833 |
| Assets per employee ($millions) | 3.7961% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5233% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 19.5660% | 7,034 |
| Net loans and leases to deposits | 23.8300% | 7,041 |
| Net loans and leases to core deposits | 24.6382% | 7,042 |
| Total domestic deposits to total assets | 82.1068% | 4,980 |
| Equity capital to assets | 16.4773% | 530 |
| Core capital (leverage) ratio | 14.0830% | 809 |
| Tier 1 risk-based capital ratio | 36.3832% | 318 |
| Total risk-based capital ratio | 37.6399% | 313 |
| Memoranda: | ||
| Average total assets | $29,426,750 | 6,853 |
| Average earning assets | $27,668,000 | 6,812 |
| Average equity | $4,788,000 | 6,430 |
| Average total loans | $6,121,250 | 7,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 6,047 |
| Cost of funding earning assets | 0.5119% | 5,541 |
| Net interest margin | 3.3312% | 5,344 |
| Noninterest income to average assets | 0.4878% | 4,005 |
| Noninterest expense to average assets | 2.7686% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8931% | 2,945 |
| Return on assets (ROA) | 0.9549% | 2,890 |
| Pretax return on assets | 0.9549% | 3,871 |
| Return on Equity (ROE) | 5.8948% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.8948% | 2,764 |
| Net charge-offs to loans | -0.0327% | 6,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6098% | 2,809 |
| Assets per employee ($millions) | 3.6774% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2273% | 628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 22.0164% | 7,059 |
| Net loans and leases to deposits | 26.8343% | 7,060 |
| Net loans and leases to core deposits | 27.7744% | 7,058 |
| Total domestic deposits to total assets | 82.0456% | 5,109 |
| Equity capital to assets | 16.6083% | 495 |
| Core capital (leverage) ratio | 14.3742% | 722 |
| Tier 1 risk-based capital ratio | 34.7782% | 353 |
| Total risk-based capital ratio | 36.0335% | 344 |
| Memoranda: | ||
| Average total assets | $29,112,670 | 6,913 |
| Average earning assets | $27,738,000 | 6,859 |
| Average equity | $4,716,000 | 6,478 |
| Average total loans | $6,108,670 | 7,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 6,317 |
| Cost of funding earning assets | 0.5192% | 5,688 |
| Net interest margin | 3.2449% | 5,639 |
| Noninterest income to average assets | 0.4420% | 4,356 |
| Noninterest expense to average assets | 2.8039% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7459% | 3,647 |
| Return on assets (ROA) | 0.7459% | 3,883 |
| Pretax return on assets | 0.7459% | 4,625 |
| Return on Equity (ROE) | 4.6642% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.6642% | 3,770 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9883% | 2,354 |
| Assets per employee ($millions) | 3.5853% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4829% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 20.7726% | 7,130 |
| Net loans and leases to deposits | 25.1053% | 7,133 |
| Net loans and leases to core deposits | 25.6799% | 7,136 |
| Total domestic deposits to total assets | 82.7418% | 5,031 |
| Equity capital to assets | 16.1879% | 543 |
| Core capital (leverage) ratio | 13.9931% | 808 |
| Tier 1 risk-based capital ratio | 34.9918% | 336 |
| Total risk-based capital ratio | 36.2465% | 332 |
| Memoranda: | ||
| Average total assets | $28,959,500 | 6,977 |
| Average earning assets | $27,735,500 | 6,913 |
| Average equity | $4,631,000 | 6,539 |
| Average total loans | $5,816,500 | 7,196 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 6,563 |
| Cost of funding earning assets | 0.6236% | 5,970 |
| Net interest margin | 3.3132% | 5,768 |
| Noninterest income to average assets | 0.4649% | 4,092 |
| Noninterest expense to average assets | 2.8000% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7341% | 3,321 |
| Return on assets (ROA) | 0.7341% | 3,494 |
| Pretax return on assets | 0.7481% | 4,163 |
| Return on Equity (ROE) | 4.9545% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.2231% | 3,182 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9163% | 2,469 |
| Assets per employee ($millions) | 3.6546% | 4,648 |
| Cash dividends to net income (ytd only)* | 14.7619% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9377% | 399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 17.9396% | 7,232 |
| Net loans and leases to deposits | 21.5915% | 7,239 |
| Net loans and leases to core deposits | 22.0731% | 7,235 |
| Total domestic deposits to total assets | 83.0865% | 4,713 |
| Equity capital to assets | 15.7985% | 613 |
| Core capital (leverage) ratio | 13.6317% | 916 |
| Tier 1 risk-based capital ratio | 35.9914% | 308 |
| Total risk-based capital ratio | 37.2458% | 304 |
| Memoranda: | ||
| Average total assets | $28,607,200 | 7,007 |
| Average earning assets | $26,620,600 | 6,970 |
| Average equity | $4,238,600 | 6,684 |
| Average total loans | $5,793,200 | 7,247 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 6,419 |
| Cost of funding earning assets | 0.6525% | 6,019 |
| Net interest margin | 3.4448% | 5,413 |
| Noninterest income to average assets | 0.4780% | 4,061 |
| Noninterest expense to average assets | 2.8306% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8201% | 3,061 |
| Return on assets (ROA) | 0.8201% | 3,226 |
| Pretax return on assets | 0.8389% | 3,985 |
| Return on Equity (ROE) | 5.6312% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.6312% | 2,781 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1392% | 2,660 |
| Assets per employee ($millions) | 3.6483% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6821% | 495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 19.2695% | 7,294 |
| Net loans and leases to deposits | 23.2176% | 7,298 |
| Net loans and leases to core deposits | 23.7360% | 7,296 |
| Total domestic deposits to total assets | 82.9953% | 4,686 |
| Equity capital to assets | 15.8364% | 661 |
| Core capital (leverage) ratio | 14.2169% | 841 |
| Tier 1 risk-based capital ratio | 35.0879% | 353 |
| Total risk-based capital ratio | 36.3469% | 342 |
| Memoranda: | ||
| Average total assets | $28,449,750 | 7,084 |
| Average earning assets | $26,358,250 | 7,048 |
| Average equity | $4,143,500 | 6,766 |
| Average total loans | $5,876,500 | 7,319 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 6,680 |
| Cost of funding earning assets | 0.6827% | 6,055 |
| Net interest margin | 3.3075% | 5,834 |
| Noninterest income to average assets | 0.4964% | 3,889 |
| Noninterest expense to average assets | 2.9286% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6453% | 3,822 |
| Return on assets (ROA) | 0.6453% | 3,947 |
| Pretax return on assets | 0.6595% | 4,536 |
| Return on Equity (ROE) | 4.5683% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.5683% | 3,279 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6206% | 2,156 |
| Assets per employee ($millions) | 3.4379% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3997% | 646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 22.2121% | 7,343 |
| Net loans and leases to deposits | 26.4642% | 7,346 |
| Net loans and leases to core deposits | 27.0825% | 7,356 |
| Total domestic deposits to total assets | 83.9327% | 4,380 |
| Equity capital to assets | 15.4165% | 715 |
| Core capital (leverage) ratio | 14.0693% | 856 |
| Tier 1 risk-based capital ratio | 33.3107% | 409 |
| Total risk-based capital ratio | 34.5655% | 398 |
| Memoranda: | ||
| Average total assets | $28,204,330 | 7,152 |
| Average earning assets | $26,364,000 | 7,114 |
| Average equity | $3,984,000 | 6,851 |
| Average total loans | $5,889,000 | 7,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 6,939 |
| Cost of funding earning assets | 0.7111% | 6,077 |
| Net interest margin | 3.1017% | 6,347 |
| Noninterest income to average assets | 0.4903% | 3,965 |
| Noninterest expense to average assets | 2.9417% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4202% | 4,857 |
| Return on assets (ROA) | 0.4202% | 4,946 |
| Pretax return on assets | 0.4202% | 5,283 |
| Return on Equity (ROE) | 3.1120% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.1120% | 4,301 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,567 |
| Assets per employee ($millions) | 3.6314% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5983% | 562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 6,487 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 19.8272% | 7,424 |
| Net loans and leases to deposits | 22.9482% | 7,444 |
| Net loans and leases to core deposits | 23.4385% | 7,445 |
| Total domestic deposits to total assets | 86.3998% | 3,289 |
| Equity capital to assets | 13.4694% | 1,197 |
| Core capital (leverage) ratio | 13.2203% | 1,049 |
| Tier 1 risk-based capital ratio | 32.0863% | 432 |
| Total risk-based capital ratio | 33.3389% | 424 |
| Memoranda: | ||
| Average total assets | $28,555,000 | 7,195 |
| Average earning assets | $26,437,500 | 7,161 |
| Average equity | $3,856,000 | 6,920 |
| Average total loans | $5,671,500 | 7,456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 6,438 |
| Cost of funding earning assets | 0.8535% | 6,358 |
| Net interest margin | 3.6296% | 4,672 |
| Noninterest income to average assets | 0.5484% | 3,835 |
| Noninterest expense to average assets | 3.1230% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7738% | 2,909 |
| Return on assets (ROA) | 1.1426% | 1,651 |
| Pretax return on assets | 1.2187% | 2,164 |
| Return on Equity (ROE) | 7.8440% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.0334% | 1,305 |
| Net charge-offs to loans | 0.2660% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 14.4667% | 1,337 |
| Efficiency ratio | 79.0743% | 2,528 |
| Assets per employee ($millions) | 3.1177% | 5,842 |
| Cash dividends to net income (ytd only)* | 10.3333% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0052% | 400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,530 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 18.3649% | 7,532 |
| Net loans and leases to deposits | 21.2547% | 7,546 |
| Net loans and leases to core deposits | 21.4977% | 7,542 |
| Total domestic deposits to total assets | 86.4036% | 3,136 |
| Equity capital to assets | 13.5393% | 1,170 |
| Core capital (leverage) ratio | 13.7454% | 915 |
| Tier 1 risk-based capital ratio | 33.0748% | 406 |
| Total risk-based capital ratio | 34.3330% | 396 |
| Memoranda: | ||
| Average total assets | $26,257,000 | 7,311 |
| Average earning assets | $24,603,400 | 7,267 |
| Average equity | $3,824,600 | 7,051 |
| Average total loans | $5,639,400 | 7,540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 6,217 |
| Cost of funding earning assets | 0.8881% | 6,444 |
| Net interest margin | 3.7555% | 4,164 |
| Noninterest income to average assets | 0.5580% | 3,719 |
| Noninterest expense to average assets | 3.1258% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9667% | 2,349 |
| Return on assets (ROA) | 1.0230% | 2,277 |
| Pretax return on assets | 1.0281% | 3,081 |
| Return on Equity (ROE) | 6.8909% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.8909% | 1,909 |
| Net charge-offs to loans | 0.3504% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.5330% | 1,674 |
| Efficiency ratio | 76.2926% | 2,891 |
| Assets per employee ($millions) | 2.8613% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5732% | 514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,555 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 22.5303% | 7,584 |
| Net loans and leases to deposits | 27.3190% | 7,597 |
| Net loans and leases to core deposits | 27.6734% | 7,600 |
| Total domestic deposits to total assets | 82.4713% | 4,812 |
| Equity capital to assets | 16.4570% | 598 |
| Core capital (leverage) ratio | 14.8465% | 743 |
| Tier 1 risk-based capital ratio | 33.5800% | 390 |
| Total risk-based capital ratio | 34.8369% | 382 |
| Memoranda: | ||
| Average total assets | $25,806,500 | 7,418 |
| Average earning assets | $24,319,250 | 7,369 |
| Average equity | $3,831,000 | 7,138 |
| Average total loans | $5,707,250 | 7,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 6,109 |
| Cost of funding earning assets | 0.9307% | 6,463 |
| Net interest margin | 3.7801% | 3,990 |
| Noninterest income to average assets | 0.5963% | 3,361 |
| Noninterest expense to average assets | 3.1365% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0455% | 2,029 |
| Return on assets (ROA) | 1.0610% | 2,052 |
| Pretax return on assets | 1.0610% | 2,897 |
| Return on Equity (ROE) | 7.4148% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.4148% | 1,671 |
| Net charge-offs to loans | 0.4640% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.3846% | 1,896 |
| Efficiency ratio | 75.0000% | 3,263 |
| Assets per employee ($millions) | 2.7756% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6058% | 510 |
| Loan loss allowance to noncurrent loans | 339.0625% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 5,981 |
| Noncurrent loans to loans | 1.0635% | 5,189 |
| Net loans and leases to total assets | 23.2226% | 7,650 |
| Net loans and leases to deposits | 28.0703% | 7,662 |
| Net loans and leases to core deposits | 28.0703% | 7,675 |
| Total domestic deposits to total assets | 82.7302% | 4,680 |
| Equity capital to assets | 15.4283% | 787 |
| Core capital (leverage) ratio | 14.2951% | 856 |
| Tier 1 risk-based capital ratio | 31.3293% | 444 |
| Total risk-based capital ratio | 32.5892% | 436 |
| Memoranda: | ||
| Average total assets | $25,824,670 | 7,475 |
| Average earning assets | $24,496,670 | 7,421 |
| Average equity | $3,695,330 | 7,215 |
| Average total loans | $5,604,000 | 7,707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 6,802 |
| Cost of funding earning assets | 0.9788% | 6,471 |
| Net interest margin | 3.5141% | 5,104 |
| Noninterest income to average assets | 0.5486% | 3,659 |
| Noninterest expense to average assets | 3.0480% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8382% | 2,801 |
| Return on assets (ROA) | 0.8687% | 2,762 |
| Pretax return on assets | 0.8687% | 3,590 |
| Return on Equity (ROE) | 6.3053% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.3053% | 2,466 |
| Net charge-offs to loans | -0.3706% | 7,773 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4314% | 2,823 |
| Assets per employee ($millions) | 2.8310% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1718% | 321 |
| Loan loss allowance to noncurrent loans | 102.1739% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 5,355 |
| Noncurrent loans to loans | 4.0831% | 1,904 |
| Net loans and leases to total assets | 21.1861% | 7,773 |
| Net loans and leases to deposits | 24.8344% | 7,795 |
| Net loans and leases to core deposits | 25.1467% | 7,797 |
| Total domestic deposits to total assets | 85.3095% | 3,502 |
| Equity capital to assets | 14.4747% | 1,011 |
| Core capital (leverage) ratio | 13.9897% | 967 |
| Tier 1 risk-based capital ratio | 31.4730% | 453 |
| Total risk-based capital ratio | 32.7315% | 447 |
| Memoranda: | ||
| Average total assets | $26,247,000 | 7,555 |
| Average earning assets | $24,928,500 | 7,498 |
| Average equity | $3,616,000 | 7,308 |
| Average total loans | $5,397,000 | 7,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 6,810 |
| Cost of funding earning assets | 1.4211% | 5,842 |
| Net interest margin | 3.4389% | 5,221 |
| Noninterest income to average assets | 0.4874% | 4,508 |
| Noninterest expense to average assets | 3.0024% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6600% | 3,098 |
| Return on assets (ROA) | 0.7097% | 2,958 |
| Pretax return on assets | 0.7760% | 3,319 |
| Return on Equity (ROE) | 5.2959% | 3,531 |
| Retained earnings to average equity (ytd only) | 4.4230% | 2,151 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6283% | 2,796 |
| Assets per employee ($millions) | 3.0017% | 6,220 |
| Cash dividends to net income (ytd only)* | 16.4835% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4565% | 260 |
| Loan loss allowance to noncurrent loans | 212.9630% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,458 |
| Noncurrent loans to loans | 2.0926% | 3,529 |
| Net loans and leases to total assets | 18.2528% | 7,880 |
| Net loans and leases to deposits | 21.0340% | 7,904 |
| Net loans and leases to core deposits | 25.1184% | 7,895 |
| Total domestic deposits to total assets | 86.7777% | 2,620 |
| Equity capital to assets | 13.1186% | 1,462 |
| Core capital (leverage) ratio | 13.7119% | 1,040 |
| Tier 1 risk-based capital ratio | 31.0339% | 475 |
| Total risk-based capital ratio | 32.2913% | 473 |
| Memoranda: | ||
| Average total assets | $25,645,800 | 7,623 |
| Average earning assets | $24,135,800 | 7,578 |
| Average equity | $3,436,600 | 7,462 |
| Average total loans | $5,448,600 | 7,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 6,689 |
| Cost of funding earning assets | 1.5029% | 5,811 |
| Net interest margin | 3.4694% | 4,993 |
| Noninterest income to average assets | 0.4795% | 4,671 |
| Noninterest expense to average assets | 2.9771% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6931% | 3,238 |
| Return on assets (ROA) | 0.7588% | 3,054 |
| Pretax return on assets | 0.8484% | 3,384 |
| Return on Equity (ROE) | 5.6309% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.6309% | 2,138 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3539% | 2,946 |
| Assets per employee ($millions) | 2.8982% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9384% | 313 |
| Loan loss allowance to noncurrent loans | 181.1024% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 6,245 |
| Noncurrent loans to loans | 2.1747% | 3,412 |
| Net loans and leases to total assets | 21.5074% | 7,940 |
| Net loans and leases to deposits | 25.0346% | 7,958 |
| Net loans and leases to core deposits | 29.9904% | 7,951 |
| Total domestic deposits to total assets | 85.9109% | 2,742 |
| Equity capital to assets | 13.7939% | 1,377 |
| Core capital (leverage) ratio | 13.6811% | 1,172 |
| Tier 1 risk-based capital ratio | 30.1428% | 556 |
| Total risk-based capital ratio | 31.4009% | 541 |
| Memoranda: | ||
| Average total assets | $25,303,500 | 7,705 |
| Average earning assets | $23,865,000 | 7,659 |
| Average equity | $3,409,750 | 7,542 |
| Average total loans | $5,520,500 | 7,957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 6,602 |
| Cost of funding earning assets | 1.5607% | 5,879 |
| Net interest margin | 3.4926% | 4,831 |
| Noninterest income to average assets | 0.4632% | 4,754 |
| Noninterest expense to average assets | 2.9469% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7024% | 3,245 |
| Return on assets (ROA) | 0.7906% | 2,979 |
| Pretax return on assets | 0.9264% | 3,253 |
| Return on Equity (ROE) | 5.9157% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.9157% | 2,063 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1780% | 3,319 |
| Assets per employee ($millions) | 2.7862% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8779% | 287 |
| Loan loss allowance to noncurrent loans | 185.4839% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 6,202 |
| Noncurrent loans to loans | 2.0907% | 3,395 |
| Net loans and leases to total assets | 22.7349% | 8,009 |
| Net loans and leases to deposits | 26.2658% | 8,026 |
| Net loans and leases to core deposits | 31.3448% | 8,025 |
| Total domestic deposits to total assets | 86.5569% | 2,482 |
| Equity capital to assets | 13.2717% | 1,572 |
| Core capital (leverage) ratio | 13.5036% | 1,271 |
| Tier 1 risk-based capital ratio | 30.1257% | 598 |
| Total risk-based capital ratio | 31.3909% | 581 |
| Memoranda: | ||
| Average total assets | $25,043,330 | 7,785 |
| Average earning assets | $23,707,000 | 7,733 |
| Average equity | $3,347,000 | 7,617 |
| Average total loans | $5,414,000 | 8,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 5,650 |
| Cost of funding earning assets | 1.6258% | 5,924 |
| Net interest margin | 3.7257% | 3,777 |
| Noninterest income to average assets | 0.3996% | 5,211 |
| Noninterest expense to average assets | 2.9568% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9590% | 2,484 |
| Return on assets (ROA) | 1.1667% | 1,868 |
| Pretax return on assets | 1.1667% | 2,739 |
| Return on Equity (ROE) | 8.6995% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.6995% | 1,567 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5102% | 3,565 |
| Assets per employee ($millions) | 2.7589% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2295% | 180 |
| Loan loss allowance to noncurrent loans | 185.4839% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 5,967 |
| Noncurrent loans to loans | 2.2803% | 2,883 |
| Net loans and leases to total assets | 20.9746% | 8,072 |
| Net loans and leases to deposits | 24.3866% | 8,099 |
| Net loans and leases to core deposits | 29.6803% | 8,090 |
| Total domestic deposits to total assets | 86.0089% | 2,716 |
| Equity capital to assets | 13.7857% | 1,425 |
| Core capital (leverage) ratio | 13.3261% | 1,379 |
| Tier 1 risk-based capital ratio | 30.8696% | 589 |
| Total risk-based capital ratio | 32.1298% | 573 |
| Memoranda: | ||
| Average total assets | $25,027,000 | 7,828 |
| Average earning assets | $23,619,500 | 7,784 |
| Average equity | $3,356,500 | 7,670 |
| Average total loans | $5,155,500 | 8,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6048% | 7,048 |
| Cost of funding earning assets | 2.0680% | 6,172 |
| Net interest margin | 3.5369% | 5,163 |
| Noninterest income to average assets | 0.5888% | 3,932 |
| Noninterest expense to average assets | 2.8346% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8469% | 3,231 |
| Return on assets (ROA) | 0.2690% | 5,469 |
| Pretax return on assets | 0.3548% | 5,377 |
| Return on Equity (ROE) | 2.1248% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.8168% | 4,104 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7670% | 3,981 |
| Assets per employee ($millions) | 2.8027% | 6,552 |
| Cash dividends to net income (ytd only)* | 14.4928% | 4,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7199% | 117 |
| Loan loss allowance to noncurrent loans | 171.6418% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 5,584 |
| Noncurrent loans to loans | 2.7498% | 1,972 |
| Net loans and leases to total assets | 18.4071% | 8,164 |
| Net loans and leases to deposits | 21.2106% | 8,189 |
| Net loans and leases to core deposits | 25.2351% | 8,177 |
| Total domestic deposits to total assets | 86.7824% | 2,043 |
| Equity capital to assets | 13.0431% | 1,766 |
| Core capital (leverage) ratio | 13.0445% | 1,528 |
| Tier 1 risk-based capital ratio | 30.5282% | 612 |
| Total risk-based capital ratio | 31.7923% | 602 |
| Memoranda: | ||
| Average total assets | $25,647,000 | 7,819 |
| Average earning assets | $24,371,800 | 7,771 |
| Average equity | $3,247,400 | 7,764 |
| Average total loans | $5,155,600 | 8,153 |