Home > The Olpe State Bank > Performance and Condition Ratios
The Olpe State Bank, Performance and Condition Ratios
| 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 | 2.7865% | 4,311 |
| Cost of funding earning assets | 0.4595% | 1,290 |
| Net interest margin | 2.3270% | 4,466 |
| Noninterest income to average assets | 1.2431% | 747 |
| Noninterest expense to average assets | 2.3814% | 2,496 |
| Loan and lease loss provision to assets | 0.0021% | 2,931 |
| Net operating income to assets | 1.0675% | 2,663 |
| Return on assets (ROA) | 1.2487% | 2,059 |
| Pretax return on assets | 1.2827% | 2,669 |
| Return on Equity (ROE) | 8.8279% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.0263% | 2,408 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4296% | 1,773 |
| Assets per employee ($millions) | 4.3191% | 4,252 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.5742% | 4,056 |
| Net loans and leases to deposits | 52.8548% | 3,822 |
| Net loans and leases to core deposits | 56.1892% | 3,760 |
| Total domestic deposits to total assets | 80.5494% | 4,159 |
| Equity capital to assets | 14.3443% | 663 |
| Core capital (leverage) ratio | 14.0690% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8391% | 280 |
| Memoranda: | ||
| Average total assets | $47,086,500 | 4,659 |
| Average earning assets | $45,265,500 | 4,622 |
| Average equity | $6,660,500 | 4,529 |
| Average total loans | $21,651,000 | 4,602 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8049% | 4,333 |
| Cost of funding earning assets | 0.4697% | 1,385 |
| Net interest margin | 2.3352% | 4,485 |
| Noninterest income to average assets | 1.6359% | 462 |
| Noninterest expense to average assets | 2.5093% | 2,114 |
| Loan and lease loss provision to assets | 0.0043% | 2,797 |
| Net operating income to assets | 1.3346% | 1,764 |
| Return on assets (ROA) | 1.3888% | 1,664 |
| Pretax return on assets | 1.4229% | 2,263 |
| Return on Equity (ROE) | 9.8653% | 2,797 |
| Retained earnings to average equity (ytd only) | 7.1418% | 2,375 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6542% | 2,339 |
| Assets per employee ($millions) | 4.3655% | 4,209 |
| Cash dividends to net income (ytd only)* | 27.6074% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.0836% | 3,816 |
| Net loans and leases to deposits | 58.1055% | 3,534 |
| Net loans and leases to core deposits | 61.7068% | 3,491 |
| Total domestic deposits to total assets | 81.0312% | 4,089 |
| Equity capital to assets | 13.9564% | 721 |
| Core capital (leverage) ratio | 13.6778% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1372% | 296 |
| Memoranda: | ||
| Average total assets | $46,945,333 | 4,685 |
| Average earning assets | $45,135,333 | 4,647 |
| Average equity | $6,609,000 | 4,560 |
| Average total loans | $22,015,333 | 4,630 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7999% | 4,379 |
| Cost of funding earning assets | 0.5025% | 1,379 |
| Net interest margin | 2.2973% | 4,527 |
| Noninterest income to average assets | 1.8359% | 425 |
| Noninterest expense to average assets | 2.6203% | 1,828 |
| Loan and lease loss provision to assets | 0.0086% | 2,660 |
| Net operating income to assets | 1.3968% | 1,584 |
| Return on assets (ROA) | 1.4480% | 1,517 |
| Pretax return on assets | 1.4653% | 2,087 |
| Return on Equity (ROE) | 10.2400% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.7543% | 3,297 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8188% | 2,368 |
| Assets per employee ($millions) | 4.4205% | 4,177 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.7245% | 3,980 |
| Net loans and leases to deposits | 56.0375% | 3,786 |
| Net loans and leases to core deposits | 59.4397% | 3,743 |
| Total domestic deposits to total assets | 81.5963% | 3,972 |
| Equity capital to assets | 13.4373% | 798 |
| Core capital (leverage) ratio | 13.7455% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1522% | 349 |
| Memoranda: | ||
| Average total assets | $46,407,500 | 4,712 |
| Average earning assets | $44,573,500 | 4,673 |
| Average equity | $6,562,500 | 4,578 |
| Average total loans | $21,552,500 | 4,663 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 3,713 |
| Cost of funding earning assets | 0.7165% | 1,639 |
| Net interest margin | 2.9276% | 4,059 |
| Noninterest income to average assets | 0.5492% | 2,425 |
| Noninterest expense to average assets | 2.4337% | 3,041 |
| Loan and lease loss provision to assets | 0.0402% | 3,899 |
| Net operating income to assets | 0.8435% | 2,924 |
| Return on assets (ROA) | 1.0369% | 2,296 |
| Pretax return on assets | 1.0938% | 2,724 |
| Return on Equity (ROE) | 6.7613% | 3,298 |
| Retained earnings to average equity (ytd only) | 2.6088% | 3,547 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3434% | 1,635 |
| Assets per employee ($millions) | 4.0172% | 4,362 |
| Cash dividends to net income (ytd only)* | 61.4155% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.7354% | 4,140 |
| Net loans and leases to deposits | 57.3838% | 3,925 |
| Net loans and leases to core deposits | 62.8499% | 3,779 |
| Total domestic deposits to total assets | 79.7008% | 4,100 |
| Equity capital to assets | 14.9155% | 587 |
| Core capital (leverage) ratio | 14.0916% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5285% | 275 |
| Memoranda: | ||
| Average total assets | $42,240,000 | 4,743 |
| Average earning assets | $40,613,400 | 4,710 |
| Average equity | $6,478,000 | 4,586 |
| Average total loans | $21,202,400 | 4,687 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 3,649 |
| Cost of funding earning assets | 0.7542% | 1,714 |
| Net interest margin | 3.0134% | 3,942 |
| Noninterest income to average assets | 0.5077% | 2,584 |
| Noninterest expense to average assets | 2.4493% | 2,993 |
| Loan and lease loss provision to assets | 0.0359% | 3,893 |
| Net operating income to assets | 0.8715% | 2,816 |
| Return on assets (ROA) | 1.0474% | 2,285 |
| Pretax return on assets | 1.1049% | 2,730 |
| Return on Equity (ROE) | 6.7805% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.9200% | 2,591 |
| Net charge-offs to loans | 0.0062% | 2,912 |
| Credit loss provision to net charge-offs | 1,100.0000% | 782 |
| Earnings coverage of net charge-offs (x) | 299.0000% | 360 |
| Efficiency ratio | 71.9512% | 1,648 |
| Assets per employee ($millions) | 4.0243% | 4,291 |
| Cash dividends to net income (ytd only)* | 27.4390% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 46.1179% | 4,309 |
| Net loans and leases to deposits | 60.2586% | 4,047 |
| Net loans and leases to core deposits | 66.2395% | 3,881 |
| Total domestic deposits to total assets | 76.5333% | 4,383 |
| Equity capital to assets | 15.0338% | 628 |
| Core capital (leverage) ratio | 14.5036% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4737% | 249 |
| Memoranda: | ||
| Average total assets | $41,752,750 | 4,771 |
| Average earning assets | $40,130,250 | 4,739 |
| Average equity | $6,449,750 | 4,613 |
| Average total loans | $21,368,000 | 4,719 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,698 |
| Cost of funding earning assets | 0.8016% | 1,819 |
| Net interest margin | 3.0695% | 3,972 |
| Noninterest income to average assets | 0.5768% | 2,224 |
| Noninterest expense to average assets | 2.4686% | 3,050 |
| Loan and lease loss provision to assets | 0.0293% | 3,886 |
| Net operating income to assets | 0.9864% | 2,377 |
| Return on assets (ROA) | 1.2465% | 1,623 |
| Pretax return on assets | 1.3100% | 1,995 |
| Return on Equity (ROE) | 7.9921% | 2,753 |
| Retained earnings to average equity (ytd only) | 5.1713% | 2,393 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8479% | 1,979 |
| Assets per employee ($millions) | 4.0173% | 4,286 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 49.9095% | 4,164 |
| Net loans and leases to deposits | 65.1782% | 3,793 |
| Net loans and leases to core deposits | 71.6467% | 3,612 |
| Total domestic deposits to total assets | 76.5739% | 4,370 |
| Equity capital to assets | 14.9265% | 629 |
| Core capital (leverage) ratio | 14.9214% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1833% | 301 |
| Memoranda: | ||
| Average total assets | $40,914,667 | 4,805 |
| Average earning assets | $39,420,000 | 4,769 |
| Average equity | $6,381,333 | 4,642 |
| Average total loans | $21,578,000 | 4,739 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,660 |
| Cost of funding earning assets | 0.8984% | 1,879 |
| Net interest margin | 3.1495% | 3,982 |
| Noninterest income to average assets | 0.3870% | 3,193 |
| Noninterest expense to average assets | 2.4849% | 3,320 |
| Loan and lease loss provision to assets | 0.0306% | 3,393 |
| Net operating income to assets | 0.8555% | 2,680 |
| Return on assets (ROA) | 0.8555% | 2,779 |
| Pretax return on assets | 0.9064% | 3,120 |
| Return on Equity (ROE) | 5.3554% | 3,526 |
| Retained earnings to average equity (ytd only) | -0.3825% | 4,052 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6190% | 1,984 |
| Assets per employee ($millions) | 3.5782% | 4,412 |
| Cash dividends to net income (ytd only)* | 107.1429% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 53.4807% | 4,025 |
| Net loans and leases to deposits | 66.8127% | 3,810 |
| Net loans and leases to core deposits | 73.9791% | 3,633 |
| Total domestic deposits to total assets | 80.0457% | 3,850 |
| Equity capital to assets | 15.9223% | 599 |
| Core capital (leverage) ratio | 15.5549% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,277,000 | 4,861 |
| Average earning assets | $37,847,000 | 4,820 |
| Average equity | $6,274,000 | 4,686 |
| Average total loans | $21,180,000 | 4,782 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 4,064 |
| Cost of funding earning assets | 0.9164% | 2,129 |
| Net interest margin | 3.1736% | 4,243 |
| Noninterest income to average assets | 0.5958% | 2,242 |
| Noninterest expense to average assets | 2.3421% | 3,843 |
| Loan and lease loss provision to assets | 0.0796% | 2,403 |
| Net operating income to assets | 1.1771% | 2,147 |
| Return on assets (ROA) | 1.1771% | 2,245 |
| Pretax return on assets | 1.2229% | 2,757 |
| Return on Equity (ROE) | 7.9404% | 3,192 |
| Retained earnings to average equity (ytd only) | 3.8563% | 3,040 |
| Net charge-offs to loans | -0.0048% | 4,341 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2621% | 3,041 |
| Assets per employee ($millions) | 3.5631% | 4,419 |
| Cash dividends to net income (ytd only)* | 51.4344% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 1,258 |
| Loan loss allowance to noncurrent loans | 144.9074% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 2,239 |
| Noncurrent loans to loans | 1.0289% | 1,474 |
| Net loans and leases to total assets | 52.7657% | 4,167 |
| Net loans and leases to deposits | 66.0524% | 3,953 |
| Net loans and leases to core deposits | 73.1734% | 3,786 |
| Total domestic deposits to total assets | 79.8847% | 4,003 |
| Equity capital to assets | 16.0254% | 599 |
| Core capital (leverage) ratio | 15.3307% | 619 |
| Tier 1 risk-based capital ratio | 29.4126% | 497 |
| Total risk-based capital ratio | 30.6625% | 487 |
| Memoranda: | ||
| Average total assets | $41,458,600 | 4,871 |
| Average earning assets | $39,828,400 | 4,844 |
| Average equity | $6,145,800 | 4,739 |
| Average total loans | $20,988,200 | 4,837 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 4,199 |
| Cost of funding earning assets | 0.9116% | 2,174 |
| Net interest margin | 3.1676% | 4,365 |
| Noninterest income to average assets | 0.5743% | 2,338 |
| Noninterest expense to average assets | 2.2177% | 4,150 |
| Loan and lease loss provision to assets | 0.0508% | 2,887 |
| Net operating income to assets | 1.3008% | 1,859 |
| Return on assets (ROA) | 1.3008% | 1,938 |
| Pretax return on assets | 1.3484% | 2,502 |
| Return on Equity (ROE) | 8.9439% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.3734% | 1,679 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3158% | 3,435 |
| Assets per employee ($millions) | 4.1129% | 3,739 |
| Cash dividends to net income (ytd only)* | 17.5615% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.5069% | 4,399 |
| Net loans and leases to deposits | 63.3787% | 4,214 |
| Net loans and leases to core deposits | 69.8628% | 4,066 |
| Total domestic deposits to total assets | 79.6907% | 4,051 |
| Equity capital to assets | 15.4854% | 733 |
| Core capital (leverage) ratio | 15.1498% | 707 |
| Tier 1 risk-based capital ratio | 28.3352% | 550 |
| Total risk-based capital ratio | 29.5832% | 537 |
| Memoranda: | ||
| Average total assets | $42,024,750 | 4,939 |
| Average earning assets | $40,365,750 | 4,907 |
| Average equity | $6,112,000 | 4,807 |
| Average total loans | $20,986,750 | 4,909 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 4,418 |
| Cost of funding earning assets | 0.8752% | 2,275 |
| Net interest margin | 3.1027% | 4,528 |
| Noninterest income to average assets | 0.2977% | 3,948 |
| Noninterest expense to average assets | 2.1312% | 4,360 |
| Loan and lease loss provision to assets | 0.0520% | 2,779 |
| Net operating income to assets | 1.0491% | 2,729 |
| Return on assets (ROA) | 1.0491% | 2,801 |
| Pretax return on assets | 1.0963% | 3,240 |
| Return on Equity (ROE) | 7.3677% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.9782% | 2,782 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9856% | 2,978 |
| Assets per employee ($millions) | 4.6807% | 2,907 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.0790% | 4,516 |
| Net loans and leases to deposits | 60.2418% | 4,416 |
| Net loans and leases to core deposits | 66.0902% | 4,314 |
| Total domestic deposits to total assets | 81.4699% | 3,672 |
| Equity capital to assets | 14.6940% | 894 |
| Core capital (leverage) ratio | 14.3367% | 871 |
| Tier 1 risk-based capital ratio | 27.5311% | 586 |
| Total risk-based capital ratio | 28.7809% | 571 |
| Memoranda: | ||
| Average total assets | $42,323,330 | 4,977 |
| Average earning assets | $40,674,330 | 4,947 |
| Average equity | $6,026,330 | 4,849 |
| Average total loans | $20,959,670 | 4,957 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 4,586 |
| Cost of funding earning assets | 0.7856% | 2,622 |
| Net interest margin | 3.0934% | 4,604 |
| Noninterest income to average assets | 0.3583% | 3,457 |
| Noninterest expense to average assets | 2.1027% | 4,458 |
| Loan and lease loss provision to assets | 0.0471% | 2,702 |
| Net operating income to assets | 1.1315% | 2,342 |
| Return on assets (ROA) | 1.1315% | 2,392 |
| Pretax return on assets | 1.1786% | 2,881 |
| Return on Equity (ROE) | 8.0747% | 3,232 |
| Retained earnings to average equity (ytd only) | 3.2299% | 3,637 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1728% | 3,361 |
| Assets per employee ($millions) | 4.7557% | 2,841 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 47.3307% | 4,610 |
| Net loans and leases to deposits | 57.6396% | 4,523 |
| Net loans and leases to core deposits | 62.1144% | 4,467 |
| Total domestic deposits to total assets | 82.1149% | 3,694 |
| Equity capital to assets | 14.0464% | 1,020 |
| Core capital (leverage) ratio | 14.0069% | 955 |
| Tier 1 risk-based capital ratio | 27.1031% | 610 |
| Total risk-based capital ratio | 28.3500% | 599 |
| Memoranda: | ||
| Average total assets | $42,422,000 | 5,026 |
| Average earning assets | $40,732,500 | 4,994 |
| Average equity | $5,944,500 | 4,898 |
| Average total loans | $20,957,000 | 5,013 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 4,652 |
| Cost of funding earning assets | 0.6517% | 2,380 |
| Net interest margin | 3.0596% | 4,715 |
| Noninterest income to average assets | 0.2898% | 4,165 |
| Noninterest expense to average assets | 2.0887% | 4,586 |
| Loan and lease loss provision to assets | 0.0276% | 3,625 |
| Net operating income to assets | 1.0628% | 2,751 |
| Return on assets (ROA) | 1.0628% | 2,732 |
| Pretax return on assets | 1.1111% | 3,228 |
| Return on Equity (ROE) | 8.0256% | 3,428 |
| Retained earnings to average equity (ytd only) | 4.1865% | 3,247 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7185% | 3,081 |
| Assets per employee ($millions) | 3.8221% | 4,146 |
| Cash dividends to net income (ytd only)* | 47.8355% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,013 |
| Loan loss allowance to noncurrent loans | 9,300.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,877 |
| Noncurrent loans to loans | 0.0140% | 4,738 |
| Net loans and leases to total assets | 50.1677% | 4,506 |
| Net loans and leases to deposits | 61.1681% | 4,420 |
| Net loans and leases to core deposits | 66.6772% | 4,314 |
| Total domestic deposits to total assets | 82.0160% | 3,636 |
| Equity capital to assets | 13.9785% | 978 |
| Core capital (leverage) ratio | 13.8699% | 960 |
| Tier 1 risk-based capital ratio | 26.6538% | 630 |
| Total risk-based capital ratio | 27.9034% | 623 |
| Memoranda: | ||
| Average total assets | $43,471,400 | 5,055 |
| Average earning assets | $41,737,800 | 5,021 |
| Average equity | $5,756,600 | 4,939 |
| Average total loans | $20,869,800 | 5,057 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 4,807 |
| Cost of funding earning assets | 0.6104% | 2,404 |
| Net interest margin | 2.9887% | 4,865 |
| Noninterest income to average assets | 0.1764% | 4,903 |
| Noninterest expense to average assets | 2.0199% | 4,700 |
| Loan and lease loss provision to assets | 0.0274% | 3,456 |
| Net operating income to assets | 0.9583% | 3,272 |
| Return on assets (ROA) | 0.9583% | 3,284 |
| Pretax return on assets | 1.0039% | 3,711 |
| Return on Equity (ROE) | 7.3341% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.3562% | 2,453 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2014% | 2,834 |
| Assets per employee ($millions) | 4.2853% | 3,455 |
| Cash dividends to net income (ytd only)* | 13.3337% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,153 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,698 |
| Noncurrent loans to loans | 0.1074% | 4,405 |
| Net loans and leases to total assets | 49.3454% | 4,641 |
| Net loans and leases to deposits | 59.8579% | 4,558 |
| Net loans and leases to core deposits | 65.1047% | 4,452 |
| Total domestic deposits to total assets | 82.4376% | 3,481 |
| Equity capital to assets | 13.6000% | 1,100 |
| Core capital (leverage) ratio | 13.5268% | 1,093 |
| Tier 1 risk-based capital ratio | 26.3496% | 660 |
| Total risk-based capital ratio | 27.5649% | 651 |
| Memoranda: | ||
| Average total assets | $43,828,500 | 5,114 |
| Average earning assets | $42,157,250 | 5,073 |
| Average equity | $5,726,500 | 4,999 |
| Average total loans | $20,744,500 | 5,122 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 4,902 |
| Cost of funding earning assets | 0.5613% | 2,508 |
| Net interest margin | 2.9526% | 4,941 |
| Noninterest income to average assets | 0.0725% | 5,345 |
| Noninterest expense to average assets | 2.0157% | 4,768 |
| Loan and lease loss provision to assets | 0.0272% | 3,373 |
| Net operating income to assets | 0.8153% | 3,805 |
| Return on assets (ROA) | 0.8153% | 3,813 |
| Pretax return on assets | 0.8652% | 4,067 |
| Return on Equity (ROE) | 6.3239% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.8483% | 3,156 |
| Net charge-offs to loans | 0.0097% | 2,789 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 421 |
| Efficiency ratio | 69.3146% | 2,424 |
| Assets per employee ($millions) | 4.1079% | 3,715 |
| Cash dividends to net income (ytd only)* | 23.3333% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,356 |
| Loan loss allowance to noncurrent loans | 4,516.6667% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,972 |
| Noncurrent loans to loans | 0.0280% | 4,800 |
| Net loans and leases to total assets | 46.8520% | 4,775 |
| Net loans and leases to deposits | 56.0569% | 4,750 |
| Net loans and leases to core deposits | 60.6219% | 4,673 |
| Total domestic deposits to total assets | 83.5793% | 3,226 |
| Equity capital to assets | 12.6961% | 1,442 |
| Core capital (leverage) ratio | 12.8716% | 1,288 |
| Tier 1 risk-based capital ratio | 25.3720% | 706 |
| Total risk-based capital ratio | 26.5475% | 696 |
| Memoranda: | ||
| Average total assets | $44,153,670 | 5,164 |
| Average earning assets | $42,403,330 | 5,120 |
| Average equity | $5,692,670 | 5,053 |
| Average total loans | $20,518,670 | 5,184 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 4,939 |
| Cost of funding earning assets | 0.4978% | 2,811 |
| Net interest margin | 2.9583% | 4,937 |
| Noninterest income to average assets | 0.1100% | 5,290 |
| Noninterest expense to average assets | 2.0441% | 4,766 |
| Loan and lease loss provision to assets | 0.0275% | 3,156 |
| Net operating income to assets | 0.8158% | 3,643 |
| Return on assets (ROA) | 0.8158% | 3,654 |
| Pretax return on assets | 0.8708% | 3,945 |
| Return on Equity (ROE) | 6.2781% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.3154% | 3,881 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4704% | 2,582 |
| Assets per employee ($millions) | 4.1606% | 3,713 |
| Cash dividends to net income (ytd only)* | 47.1910% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,089 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,602 |
| Noncurrent loans to loans | 0.0592% | 4,709 |
| Net loans and leases to total assets | 43.6843% | 4,909 |
| Net loans and leases to deposits | 51.4117% | 4,907 |
| Net loans and leases to core deposits | 54.3332% | 4,904 |
| Total domestic deposits to total assets | 84.9695% | 2,940 |
| Equity capital to assets | 12.3473% | 1,579 |
| Core capital (leverage) ratio | 13.1575% | 1,120 |
| Tier 1 risk-based capital ratio | 25.6424% | 712 |
| Total risk-based capital ratio | 26.8448% | 698 |
| Memoranda: | ||
| Average total assets | $43,637,000 | 5,232 |
| Average earning assets | $41,780,500 | 5,190 |
| Average equity | $5,670,500 | 5,107 |
| Average total loans | $20,057,000 | 5,255 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5434% | 4,707 |
| Cost of funding earning assets | 0.4320% | 2,942 |
| Net interest margin | 3.1114% | 4,667 |
| Noninterest income to average assets | 0.1324% | 5,283 |
| Noninterest expense to average assets | 2.2272% | 4,477 |
| Loan and lease loss provision to assets | 0.0156% | 3,981 |
| Net operating income to assets | 0.8078% | 3,123 |
| Return on assets (ROA) | 0.8203% | 3,119 |
| Pretax return on assets | 0.8566% | 4,062 |
| Return on Equity (ROE) | 5.4632% | 3,983 |
| Retained earnings to average equity (ytd only) | 1.6251% | 4,331 |
| Net charge-offs to loans | -0.1145% | 5,408 |
| Credit loss provision to net charge-offs | -26.0870% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1615% | 2,196 |
| Assets per employee ($millions) | 4.1507% | 3,734 |
| Cash dividends to net income (ytd only)* | 70.2532% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,998 |
| Loan loss allowance to noncurrent loans | 1,213.6364% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 2,165 |
| Noncurrent loans to loans | 0.1108% | 4,489 |
| Net loans and leases to total assets | 47.1824% | 4,819 |
| Net loans and leases to deposits | 55.0607% | 4,849 |
| Net loans and leases to core deposits | 57.9460% | 4,854 |
| Total domestic deposits to total assets | 85.6916% | 2,579 |
| Equity capital to assets | 13.7085% | 986 |
| Core capital (leverage) ratio | 13.4121% | 1,000 |
| Tier 1 risk-based capital ratio | 26.6670% | 611 |
| Total risk-based capital ratio | 27.9137% | 604 |
| Memoranda: | ||
| Average total assets | $38,524,400 | 5,349 |
| Average earning assets | $36,575,200 | 5,326 |
| Average equity | $5,784,200 | 5,134 |
| Average total loans | $20,083,400 | 5,313 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,645 |
| Cost of funding earning assets | 0.4160% | 3,030 |
| Net interest margin | 3.1499% | 4,581 |
| Noninterest income to average assets | -0.0388% | 5,701 |
| Noninterest expense to average assets | 2.2022% | 4,519 |
| Loan and lease loss provision to assets | 0.0212% | 3,726 |
| Net operating income to assets | 0.6991% | 3,990 |
| Return on assets (ROA) | 0.7058% | 4,016 |
| Pretax return on assets | 0.7376% | 4,520 |
| Return on Equity (ROE) | 4.5915% | 4,677 |
| Retained earnings to average equity (ytd only) | 3.6272% | 3,763 |
| Net charge-offs to loans | -0.1523% | 5,481 |
| Credit loss provision to net charge-offs | -26.0870% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5520% | 1,809 |
| Assets per employee ($millions) | 4.1960% | 3,654 |
| Cash dividends to net income (ytd only)* | 21.0005% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,176 |
| Loan loss allowance to noncurrent loans | 1,112.5000% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 2,353 |
| Noncurrent loans to loans | 0.1201% | 4,578 |
| Net loans and leases to total assets | 46.9781% | 4,886 |
| Net loans and leases to deposits | 55.0584% | 4,917 |
| Net loans and leases to core deposits | 57.9237% | 4,917 |
| Total domestic deposits to total assets | 85.3241% | 2,588 |
| Equity capital to assets | 14.0205% | 992 |
| Core capital (leverage) ratio | 14.5273% | 760 |
| Tier 1 risk-based capital ratio | 26.5026% | 645 |
| Total risk-based capital ratio | 27.7285% | 634 |
| Memoranda: | ||
| Average total assets | $37,778,750 | 5,422 |
| Average earning assets | $35,894,750 | 5,393 |
| Average equity | $5,807,750 | 5,188 |
| Average total loans | $20,141,500 | 5,362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 4,433 |
| Cost of funding earning assets | 0.4110% | 2,968 |
| Net interest margin | 3.2182% | 4,357 |
| Noninterest income to average assets | -0.2913% | 5,772 |
| Noninterest expense to average assets | 2.2922% | 4,368 |
| Loan and lease loss provision to assets | 0.0330% | 3,332 |
| Net operating income to assets | 0.4183% | 4,937 |
| Return on assets (ROA) | 0.4287% | 4,929 |
| Pretax return on assets | 0.4507% | 5,083 |
| Return on Equity (ROE) | 2.6977% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.2451% | 4,749 |
| Net charge-offs to loans | -0.2278% | 5,599 |
| Credit loss provision to net charge-offs | -26.0870% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9026% | 930 |
| Assets per employee ($millions) | 3.6432% | 4,519 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,563 |
| Loan loss allowance to noncurrent loans | 953.5714% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 2,107 |
| Noncurrent loans to loans | 0.1334% | 4,582 |
| Net loans and leases to total assets | 56.8950% | 4,137 |
| Net loans and leases to deposits | 68.1999% | 4,050 |
| Net loans and leases to core deposits | 72.4198% | 4,063 |
| Total domestic deposits to total assets | 83.4239% | 3,420 |
| Equity capital to assets | 15.8597% | 549 |
| Core capital (leverage) ratio | 15.3287% | 576 |
| Tier 1 risk-based capital ratio | 25.5691% | 699 |
| Total risk-based capital ratio | 26.7774% | 692 |
| Memoranda: | ||
| Average total assets | $36,385,000 | 5,496 |
| Average earning assets | $34,554,000 | 5,462 |
| Average equity | $5,782,670 | 5,224 |
| Average total loans | $20,195,670 | 5,403 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 4,600 |
| Cost of funding earning assets | 0.3938% | 3,057 |
| Net interest margin | 3.1385% | 4,534 |
| Noninterest income to average assets | 0.3630% | 3,937 |
| Noninterest expense to average assets | 2.3101% | 4,379 |
| Loan and lease loss provision to assets | 0.0330% | 3,127 |
| Net operating income to assets | 0.9579% | 2,490 |
| Return on assets (ROA) | 0.9791% | 2,447 |
| Pretax return on assets | 1.0231% | 3,273 |
| Return on Equity (ROE) | 6.1538% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.2498% | 3,808 |
| Net charge-offs to loans | -0.4243% | 5,727 |
| Credit loss provision to net charge-offs | -14.2857% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0789% | 3,031 |
| Assets per employee ($millions) | 3.3526% | 4,993 |
| Cash dividends to net income (ytd only)* | 47.1910% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,442 |
| Loan loss allowance to noncurrent loans | 1,541.1765% | 422 |
| Noncurrent assets plus other real estate owned to assets | 1.0873% | 1,640 |
| Noncurrent loans to loans | 0.0856% | 4,850 |
| Net loans and leases to total assets | 53.1495% | 4,410 |
| Net loans and leases to deposits | 63.6520% | 4,328 |
| Net loans and leases to core deposits | 67.5361% | 4,325 |
| Total domestic deposits to total assets | 83.5001% | 3,659 |
| Equity capital to assets | 15.8193% | 522 |
| Core capital (leverage) ratio | 15.6189% | 510 |
| Tier 1 risk-based capital ratio | 26.3970% | 663 |
| Total risk-based capital ratio | 27.6000% | 652 |
| Memoranda: | ||
| Average total assets | $36,361,500 | 5,561 |
| Average earning assets | $34,539,000 | 5,526 |
| Average equity | $5,785,000 | 5,270 |
| Average total loans | $19,796,000 | 5,473 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 4,213 |
| Cost of funding earning assets | 0.3969% | 3,029 |
| Net interest margin | 3.3015% | 4,143 |
| Noninterest income to average assets | 0.4760% | 3,373 |
| Noninterest expense to average assets | 2.3911% | 4,320 |
| Loan and lease loss provision to assets | 0.2032% | 1,124 |
| Net operating income to assets | 0.9609% | 2,533 |
| Return on assets (ROA) | 0.9715% | 2,587 |
| Pretax return on assets | 1.0188% | 3,409 |
| Return on Equity (ROE) | 5.9941% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.1297% | 4,320 |
| Net charge-offs to loans | 0.2933% | 947 |
| Credit loss provision to net charge-offs | 119.6721% | 2,216 |
| Earnings coverage of net charge-offs (x) | 7.1311% | 3,068 |
| Efficiency ratio | 66.3833% | 3,529 |
| Assets per employee ($millions) | 3.5844% | 4,637 |
| Cash dividends to net income (ytd only)* | 64.4699% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 3,084 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 452 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 1,663 |
| Noncurrent loans to loans | 0.0862% | 4,897 |
| Net loans and leases to total assets | 54.3773% | 4,408 |
| Net loans and leases to deposits | 65.2702% | 4,310 |
| Net loans and leases to core deposits | 69.3852% | 4,298 |
| Total domestic deposits to total assets | 83.3110% | 3,660 |
| Equity capital to assets | 16.0027% | 499 |
| Core capital (leverage) ratio | 15.4335% | 538 |
| Tier 1 risk-based capital ratio | 27.2454% | 606 |
| Total risk-based capital ratio | 28.3824% | 601 |
| Memoranda: | ||
| Average total assets | $35,925,200 | 5,621 |
| Average earning assets | $34,015,200 | 5,587 |
| Average equity | $5,822,400 | 5,308 |
| Average total loans | $20,799,600 | 5,496 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 4,146 |
| Cost of funding earning assets | 0.3805% | 3,224 |
| Net interest margin | 3.3499% | 4,029 |
| Noninterest income to average assets | 0.4006% | 3,918 |
| Noninterest expense to average assets | 2.4036% | 4,273 |
| Loan and lease loss provision to assets | 0.2596% | 706 |
| Net operating income to assets | 0.8643% | 3,082 |
| Return on assets (ROA) | 0.8643% | 3,210 |
| Pretax return on assets | 0.9051% | 3,962 |
| Return on Equity (ROE) | 5.3159% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.3576% | 3,233 |
| Net charge-offs to loans | 0.3860% | 570 |
| Credit loss provision to net charge-offs | 114.7541% | 2,165 |
| Earnings coverage of net charge-offs (x) | 5.1477% | 3,168 |
| Efficiency ratio | 67.3597% | 3,346 |
| Assets per employee ($millions) | 4.0494% | 3,876 |
| Cash dividends to net income (ytd only)* | 18.0261% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,611 |
| Loan loss allowance to noncurrent loans | 903.8462% | 640 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 1,799 |
| Noncurrent loans to loans | 0.1262% | 4,837 |
| Net loans and leases to total assets | 55.9062% | 4,316 |
| Net loans and leases to deposits | 67.4892% | 4,207 |
| Net loans and leases to core deposits | 71.6950% | 4,183 |
| Total domestic deposits to total assets | 82.8372% | 3,652 |
| Equity capital to assets | 16.3973% | 500 |
| Core capital (leverage) ratio | 15.9145% | 489 |
| Tier 1 risk-based capital ratio | 26.5755% | 673 |
| Total risk-based capital ratio | 27.6580% | 669 |
| Memoranda: | ||
| Average total assets | $35,945,500 | 5,679 |
| Average earning assets | $33,990,250 | 5,643 |
| Average equity | $5,844,000 | 5,360 |
| Average total loans | $21,067,250 | 5,532 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,200 |
| Cost of funding earning assets | 0.3892% | 3,158 |
| Net interest margin | 3.3376% | 4,097 |
| Noninterest income to average assets | 0.3074% | 4,585 |
| Noninterest expense to average assets | 2.3869% | 4,380 |
| Loan and lease loss provision to assets | 0.3354% | 491 |
| Net operating income to assets | 0.7211% | 3,693 |
| Return on assets (ROA) | 0.7211% | 3,849 |
| Pretax return on assets | 0.7490% | 4,456 |
| Return on Equity (ROE) | 4.4483% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.0000% | 4,005 |
| Net charge-offs to loans | 0.5749% | 361 |
| Credit loss provision to net charge-offs | 98.3607% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.1803% | 3,157 |
| Efficiency ratio | 68.7601% | 3,200 |
| Assets per employee ($millions) | 3.5508% | 4,678 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 4,255 |
| Loan loss allowance to noncurrent loans | 750.0000% | 749 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 1,534 |
| Noncurrent loans to loans | 0.1392% | 4,876 |
| Net loans and leases to total assets | 60.0822% | 3,876 |
| Net loans and leases to deposits | 72.7081% | 3,728 |
| Net loans and leases to core deposits | 77.3784% | 3,705 |
| Total domestic deposits to total assets | 82.6349% | 3,780 |
| Equity capital to assets | 16.6498% | 472 |
| Core capital (leverage) ratio | 15.6220% | 509 |
| Tier 1 risk-based capital ratio | 25.5675% | 764 |
| Total risk-based capital ratio | 26.5830% | 768 |
| Memoranda: | ||
| Average total assets | $35,779,000 | 5,747 |
| Average earning assets | $33,917,000 | 5,710 |
| Average equity | $5,800,000 | 5,424 |
| Average total loans | $21,219,670 | 5,587 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,303 |
| Cost of funding earning assets | 0.3775% | 3,327 |
| Net interest margin | 3.3264% | 4,121 |
| Noninterest income to average assets | 0.2339% | 5,069 |
| Noninterest expense to average assets | 2.3612% | 4,489 |
| Loan and lease loss provision to assets | 0.5569% | 206 |
| Net operating income to assets | 0.4121% | 4,961 |
| Return on assets (ROA) | 0.4121% | 5,035 |
| Pretax return on assets | 0.4566% | 5,198 |
| Return on Equity (ROE) | 2.5766% | 5,364 |
| Retained earnings to average equity (ytd only) | -0.3482% | 5,173 |
| Net charge-offs to loans | 1.1591% | 156 |
| Credit loss provision to net charge-offs | 81.9672% | 1,823 |
| Earnings coverage of net charge-offs (x) | 1.4918% | 2,811 |
| Efficiency ratio | 69.9670% | 3,135 |
| Assets per employee ($millions) | 3.6339% | 4,583 |
| Cash dividends to net income (ytd only)* | 113.5135% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 4,492 |
| Loan loss allowance to noncurrent loans | 716.6667% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 1,674 |
| Noncurrent loans to loans | 0.1423% | 4,908 |
| Net loans and leases to total assets | 57.4342% | 4,099 |
| Net loans and leases to deposits | 68.7994% | 3,977 |
| Net loans and leases to core deposits | 73.0649% | 3,973 |
| Total domestic deposits to total assets | 83.4806% | 3,719 |
| Equity capital to assets | 15.8617% | 548 |
| Core capital (leverage) ratio | 15.4488% | 540 |
| Tier 1 risk-based capital ratio | 25.2675% | 790 |
| Total risk-based capital ratio | 26.2423% | 797 |
| Memoranda: | ||
| Average total assets | $35,914,500 | 5,797 |
| Average earning assets | $33,910,500 | 5,764 |
| Average equity | $5,744,000 | 5,463 |
| Average total loans | $21,050,000 | 5,645 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 3,960 |
| Cost of funding earning assets | 0.3718% | 3,464 |
| Net interest margin | 3.4546% | 3,697 |
| Noninterest income to average assets | 0.5085% | 3,263 |
| Noninterest expense to average assets | 2.3342% | 4,696 |
| Loan and lease loss provision to assets | 0.5224% | 214 |
| Net operating income to assets | 0.8960% | 2,895 |
| Return on assets (ROA) | 0.9253% | 2,818 |
| Pretax return on assets | 0.9615% | 3,608 |
| Return on Equity (ROE) | 5.7768% | 4,140 |
| Retained earnings to average equity (ytd only) | 1.8909% | 4,649 |
| Net charge-offs to loans | 1.0395% | 191 |
| Credit loss provision to net charge-offs | 84.6847% | 2,867 |
| Earnings coverage of net charge-offs (x) | 2.3559% | 3,922 |
| Efficiency ratio | 61.6288% | 4,670 |
| Assets per employee ($millions) | 3.5490% | 4,730 |
| Cash dividends to net income (ytd only)* | 67.2673% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 4,176 |
| Loan loss allowance to noncurrent loans | 126.2570% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 1,248 |
| Noncurrent loans to loans | 0.8518% | 2,653 |
| Net loans and leases to total assets | 58.5742% | 4,011 |
| Net loans and leases to deposits | 70.4129% | 3,878 |
| Net loans and leases to core deposits | 74.9063% | 3,857 |
| Total domestic deposits to total assets | 83.1868% | 3,777 |
| Equity capital to assets | 16.1285% | 504 |
| Core capital (leverage) ratio | 15.2594% | 573 |
| Tier 1 risk-based capital ratio | 25.4925% | 775 |
| Total risk-based capital ratio | 26.5256% | 782 |
| Memoranda: | ||
| Average total assets | $35,986,800 | 5,851 |
| Average earning assets | $34,157,200 | 5,807 |
| Average equity | $5,764,400 | 5,489 |
| Average total loans | $21,355,400 | 5,667 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 3,963 |
| Cost of funding earning assets | 0.3690% | 3,558 |
| Net interest margin | 3.4726% | 3,651 |
| Noninterest income to average assets | 0.4172% | 3,953 |
| Noninterest expense to average assets | 2.3519% | 4,645 |
| Loan and lease loss provision to assets | 0.1145% | 1,975 |
| Net operating income to assets | 1.1939% | 1,673 |
| Return on assets (ROA) | 1.2184% | 1,653 |
| Pretax return on assets | 1.2775% | 2,484 |
| Return on Equity (ROE) | 7.6195% | 3,275 |
| Retained earnings to average equity (ytd only) | 6.6498% | 1,864 |
| Net charge-offs to loans | -0.0125% | 5,061 |
| Credit loss provision to net charge-offs | -1,550.0000% | 5,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2572% | 4,374 |
| Assets per employee ($millions) | 3.5854% | 4,635 |
| Cash dividends to net income (ytd only)* | 12.7276% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 2,555 |
| Loan loss allowance to noncurrent loans | 681.3953% | 787 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 1,983 |
| Noncurrent loans to loans | 0.2066% | 4,822 |
| Net loans and leases to total assets | 57.2265% | 4,221 |
| Net loans and leases to deposits | 69.2380% | 4,069 |
| Net loans and leases to core deposits | 73.6389% | 4,049 |
| Total domestic deposits to total assets | 82.6519% | 3,938 |
| Equity capital to assets | 16.5588% | 481 |
| Core capital (leverage) ratio | 15.8233% | 513 |
| Tier 1 risk-based capital ratio | 26.7072% | 715 |
| Total risk-based capital ratio | 27.9551% | 693 |
| Memoranda: | ||
| Average total assets | $36,111,000 | 5,926 |
| Average earning assets | $34,325,000 | 5,884 |
| Average equity | $5,774,500 | 5,561 |
| Average total loans | $21,440,750 | 5,730 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 3,982 |
| Cost of funding earning assets | 0.3713% | 3,585 |
| Net interest margin | 3.4518% | 3,700 |
| Noninterest income to average assets | 0.3536% | 4,430 |
| Noninterest expense to average assets | 2.3372% | 4,753 |
| Loan and lease loss provision to assets | 0.0497% | 3,122 |
| Net operating income to assets | 1.2006% | 1,599 |
| Return on assets (ROA) | 1.2377% | 1,569 |
| Pretax return on assets | 1.2929% | 2,391 |
| Return on Equity (ROE) | 7.8317% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.3633% | 2,029 |
| Net charge-offs to loans | -0.0185% | 5,146 |
| Credit loss provision to net charge-offs | -450.0000% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1882% | 4,323 |
| Assets per employee ($millions) | 3.6004% | 4,629 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,519 |
| Loan loss allowance to noncurrent loans | 576.5957% | 914 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 2,109 |
| Noncurrent loans to loans | 0.2165% | 4,908 |
| Net loans and leases to total assets | 59.5295% | 3,899 |
| Net loans and leases to deposits | 71.4481% | 3,765 |
| Net loans and leases to core deposits | 75.9308% | 3,779 |
| Total domestic deposits to total assets | 83.3185% | 3,825 |
| Equity capital to assets | 16.0760% | 524 |
| Core capital (leverage) ratio | 15.5508% | 535 |
| Tier 1 risk-based capital ratio | 25.2468% | 838 |
| Total risk-based capital ratio | 26.4576% | 829 |
| Memoranda: | ||
| Average total assets | $36,196,670 | 5,991 |
| Average earning assets | $34,474,670 | 5,945 |
| Average equity | $5,720,330 | 5,624 |
| Average total loans | $21,650,670 | 5,784 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 4,110 |
| Cost of funding earning assets | 0.3706% | 3,642 |
| Net interest margin | 3.4046% | 3,827 |
| Noninterest income to average assets | 0.2976% | 4,792 |
| Noninterest expense to average assets | 2.4468% | 4,460 |
| Loan and lease loss provision to assets | 0.0331% | 3,228 |
| Net operating income to assets | 1.0140% | 2,200 |
| Return on assets (ROA) | 1.0140% | 2,334 |
| Pretax return on assets | 1.0581% | 3,269 |
| Return on Equity (ROE) | 6.4715% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.5171% | 3,891 |
| Net charge-offs to loans | -0.0185% | 5,003 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1589% | 3,631 |
| Assets per employee ($millions) | 3.6329% | 4,655 |
| Cash dividends to net income (ytd only)* | 45.6522% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 3,701 |
| Loan loss allowance to noncurrent loans | 552.0833% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 2,256 |
| Noncurrent loans to loans | 0.2261% | 4,962 |
| Net loans and leases to total assets | 57.7142% | 3,993 |
| Net loans and leases to deposits | 69.9133% | 3,756 |
| Net loans and leases to core deposits | 74.3010% | 3,749 |
| Total domestic deposits to total assets | 82.5511% | 4,324 |
| Equity capital to assets | 15.7835% | 571 |
| Core capital (leverage) ratio | 15.0765% | 596 |
| Tier 1 risk-based capital ratio | 25.0113% | 885 |
| Total risk-based capital ratio | 26.2125% | 873 |
| Memoranda: | ||
| Average total assets | $36,293,000 | 6,046 |
| Average earning assets | $34,542,000 | 6,001 |
| Average equity | $5,686,500 | 5,679 |
| Average total loans | $21,624,000 | 5,834 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,812 |
| Cost of funding earning assets | 0.3775% | 3,936 |
| Net interest margin | 3.3122% | 4,528 |
| Noninterest income to average assets | 0.3940% | 4,234 |
| Noninterest expense to average assets | 2.3094% | 5,090 |
| Loan and lease loss provision to assets | 0.0629% | 3,258 |
| Net operating income to assets | 1.1659% | 1,693 |
| Return on assets (ROA) | 1.1711% | 1,748 |
| Pretax return on assets | 1.2204% | 2,566 |
| Return on Equity (ROE) | 7.6920% | 3,279 |
| Retained earnings to average equity (ytd only) | 3.8820% | 3,457 |
| Net charge-offs to loans | 0.0786% | 3,368 |
| Credit loss provision to net charge-offs | 135.2941% | 1,741 |
| Earnings coverage of net charge-offs (x) | 27.4706% | 1,430 |
| Efficiency ratio | 64.3783% | 4,538 |
| Assets per employee ($millions) | 3.2961% | 5,265 |
| Cash dividends to net income (ytd only)* | 49.5327% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 4,121 |
| Loan loss allowance to noncurrent loans | 419.3548% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 2,309 |
| Noncurrent loans to loans | 0.2816% | 4,843 |
| Net loans and leases to total assets | 60.0050% | 3,794 |
| Net loans and leases to deposits | 73.0656% | 3,548 |
| Net loans and leases to core deposits | 77.6861% | 3,547 |
| Total domestic deposits to total assets | 82.1248% | 4,371 |
| Equity capital to assets | 15.5529% | 596 |
| Core capital (leverage) ratio | 15.1127% | 588 |
| Tier 1 risk-based capital ratio | 24.2549% | 919 |
| Total risk-based capital ratio | 25.4080% | 913 |
| Memoranda: | ||
| Average total assets | $36,545,600 | 6,115 |
| Average earning assets | $35,233,800 | 6,057 |
| Average equity | $5,564,200 | 5,723 |
| Average total loans | $21,615,200 | 5,897 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 4,893 |
| Cost of funding earning assets | 0.3810% | 4,004 |
| Net interest margin | 3.3084% | 4,573 |
| Noninterest income to average assets | 0.3677% | 4,483 |
| Noninterest expense to average assets | 2.3048% | 5,087 |
| Loan and lease loss provision to assets | 0.0364% | 3,677 |
| Net operating income to assets | 1.1653% | 1,807 |
| Return on assets (ROA) | 1.1688% | 1,869 |
| Pretax return on assets | 1.2234% | 2,680 |
| Return on Equity (ROE) | 7.7178% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.9965% | 1,826 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7239% | 4,427 |
| Assets per employee ($millions) | 3.3148% | 5,215 |
| Cash dividends to net income (ytd only)* | 9.3460% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 3,762 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2835% | 2,401 |
| Noncurrent loans to loans | 0.4069% | 4,687 |
| Net loans and leases to total assets | 55.8950% | 4,345 |
| Net loans and leases to deposits | 68.7293% | 4,052 |
| Net loans and leases to core deposits | 73.0947% | 4,039 |
| Total domestic deposits to total assets | 81.3263% | 4,723 |
| Equity capital to assets | 15.7146% | 602 |
| Core capital (leverage) ratio | 15.2635% | 583 |
| Tier 1 risk-based capital ratio | 25.5343% | 829 |
| Total risk-based capital ratio | 26.7502% | 822 |
| Memoranda: | ||
| Average total assets | $36,617,750 | 6,185 |
| Average earning assets | $35,343,000 | 6,129 |
| Average equity | $5,545,500 | 5,789 |
| Average total loans | $21,515,000 | 5,967 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 4,755 |
| Cost of funding earning assets | 0.3834% | 4,062 |
| Net interest margin | 3.3490% | 4,411 |
| Noninterest income to average assets | 0.2563% | 5,363 |
| Noninterest expense to average assets | 2.2526% | 5,276 |
| Loan and lease loss provision to assets | 0.0327% | 3,633 |
| Net operating income to assets | 1.1563% | 1,731 |
| Return on assets (ROA) | 1.1563% | 1,810 |
| Pretax return on assets | 1.2108% | 2,622 |
| Return on Equity (ROE) | 7.7316% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.6375% | 1,956 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4306% | 4,625 |
| Assets per employee ($millions) | 3.5695% | 4,723 |
| Cash dividends to net income (ytd only)* | 14.1509% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,601 |
| Loan loss allowance to noncurrent loans | 65.9033% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 2,868 |
| Noncurrent loans to loans | 1.7645% | 1,953 |
| Net loans and leases to total assets | 61.6697% | 3,454 |
| Net loans and leases to deposits | 75.8755% | 3,073 |
| Net loans and leases to core deposits | 80.8083% | 3,114 |
| Total domestic deposits to total assets | 81.2775% | 4,885 |
| Equity capital to assets | 15.7557% | 587 |
| Core capital (leverage) ratio | 14.9939% | 612 |
| Tier 1 risk-based capital ratio | 24.2115% | 959 |
| Total risk-based capital ratio | 25.3653% | 949 |
| Memoranda: | ||
| Average total assets | $36,669,330 | 6,244 |
| Average earning assets | $35,473,670 | 6,186 |
| Average equity | $5,484,000 | 5,838 |
| Average total loans | $21,805,000 | 6,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 5,025 |
| Cost of funding earning assets | 0.3890% | 4,099 |
| Net interest margin | 3.2565% | 4,715 |
| Noninterest income to average assets | 0.2584% | 5,288 |
| Noninterest expense to average assets | 2.2499% | 5,326 |
| Loan and lease loss provision to assets | 0.0323% | 3,400 |
| Net operating income to assets | 1.0658% | 1,946 |
| Return on assets (ROA) | 1.0658% | 2,016 |
| Pretax return on assets | 1.1304% | 2,768 |
| Return on Equity (ROE) | 7.3144% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.0979% | 3,064 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9306% | 4,541 |
| Assets per employee ($millions) | 3.7146% | 4,489 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 4,817 |
| Loan loss allowance to noncurrent loans | 64.2500% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 3,101 |
| Noncurrent loans to loans | 1.8064% | 2,129 |
| Net loans and leases to total assets | 58.9216% | 3,714 |
| Net loans and leases to deposits | 69.1838% | 3,711 |
| Net loans and leases to core deposits | 73.2865% | 3,732 |
| Total domestic deposits to total assets | 85.1666% | 3,793 |
| Equity capital to assets | 14.7176% | 731 |
| Core capital (leverage) ratio | 14.1029% | 787 |
| Tier 1 risk-based capital ratio | 23.4418% | 1,082 |
| Total risk-based capital ratio | 24.5738% | 1,080 |
| Memoranda: | ||
| Average total assets | $37,156,500 | 6,298 |
| Average earning assets | $35,989,500 | 6,236 |
| Average equity | $5,414,000 | 5,893 |
| Average total loans | $21,571,500 | 6,067 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 5,334 |
| Cost of funding earning assets | 0.4910% | 3,696 |
| Net interest margin | 3.1384% | 5,200 |
| Noninterest income to average assets | 0.3838% | 4,567 |
| Noninterest expense to average assets | 2.4692% | 4,861 |
| Loan and lease loss provision to assets | 0.0107% | 4,910 |
| Net operating income to assets | 0.8847% | 2,856 |
| Return on assets (ROA) | 0.7971% | 3,400 |
| Pretax return on assets | 0.8320% | 4,025 |
| Return on Equity (ROE) | 5.4340% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.5552% | 5,116 |
| Net charge-offs to loans | -0.0047% | 5,920 |
| Credit loss provision to net charge-offs | -400.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5552% | 3,377 |
| Assets per employee ($millions) | 3.7167% | 4,443 |
| Cash dividends to net income (ytd only)* | 71.3805% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,611 |
| Loan loss allowance to noncurrent loans | 62.4079% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 3,221 |
| Noncurrent loans to loans | 1.9382% | 2,066 |
| Net loans and leases to total assets | 55.8156% | 4,346 |
| Net loans and leases to deposits | 65.3489% | 4,375 |
| Net loans and leases to core deposits | 69.2100% | 4,376 |
| Total domestic deposits to total assets | 85.4118% | 3,549 |
| Equity capital to assets | 14.4241% | 798 |
| Core capital (leverage) ratio | 13.8225% | 876 |
| Tier 1 risk-based capital ratio | 24.4052% | 912 |
| Total risk-based capital ratio | 25.5855% | 907 |
| Memoranda: | ||
| Average total assets | $37,258,600 | 6,356 |
| Average earning assets | $35,846,000 | 6,296 |
| Average equity | $5,465,600 | 5,941 |
| Average total loans | $21,134,000 | 6,144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 5,319 |
| Cost of funding earning assets | 0.5099% | 3,674 |
| Net interest margin | 3.1337% | 5,219 |
| Noninterest income to average assets | 0.3433% | 4,944 |
| Noninterest expense to average assets | 2.4176% | 4,970 |
| Loan and lease loss provision to assets | 0.0143% | 4,719 |
| Net operating income to assets | 0.8825% | 2,923 |
| Return on assets (ROA) | 0.8619% | 3,149 |
| Pretax return on assets | 0.9013% | 3,876 |
| Return on Equity (ROE) | 5.8511% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.1228% | 2,990 |
| Net charge-offs to loans | -0.0063% | 5,810 |
| Credit loss provision to net charge-offs | -400.0000% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0682% | 3,390 |
| Assets per employee ($millions) | 3.7784% | 4,287 |
| Cash dividends to net income (ytd only)* | 12.4483% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,741 |
| Loan loss allowance to noncurrent loans | 60.1896% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 3,197 |
| Noncurrent loans to loans | 2.0432% | 2,202 |
| Net loans and leases to total assets | 53.9911% | 4,617 |
| Net loans and leases to deposits | 63.4289% | 4,576 |
| Net loans and leases to core deposits | 67.7089% | 4,550 |
| Total domestic deposits to total assets | 85.1207% | 3,676 |
| Equity capital to assets | 14.6358% | 790 |
| Core capital (leverage) ratio | 14.3804% | 769 |
| Tier 1 risk-based capital ratio | 24.8510% | 891 |
| Total risk-based capital ratio | 26.0247% | 883 |
| Memoranda: | ||
| Average total assets | $37,281,500 | 6,427 |
| Average earning assets | $35,824,250 | 6,361 |
| Average equity | $5,491,750 | 6,007 |
| Average total loans | $21,167,750 | 6,206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 5,401 |
| Cost of funding earning assets | 0.5349% | 3,550 |
| Net interest margin | 3.0756% | 5,348 |
| Noninterest income to average assets | 0.3072% | 5,248 |
| Noninterest expense to average assets | 2.2902% | 5,395 |
| Loan and lease loss provision to assets | 0.0216% | 4,466 |
| Net operating income to assets | 0.9261% | 2,677 |
| Return on assets (ROA) | 0.9107% | 2,875 |
| Pretax return on assets | 0.9538% | 3,699 |
| Return on Equity (ROE) | 6.1690% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.0739% | 3,001 |
| Net charge-offs to loans | -0.0094% | 5,754 |
| Credit loss provision to net charge-offs | -400.0000% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7865% | 3,869 |
| Assets per employee ($millions) | 3.6639% | 4,484 |
| Cash dividends to net income (ytd only)* | 17.7515% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 5,192 |
| Loan loss allowance to noncurrent loans | 60.1896% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 3,228 |
| Noncurrent loans to loans | 1.9289% | 2,476 |
| Net loans and leases to total assets | 59.0191% | 3,826 |
| Net loans and leases to deposits | 69.4345% | 3,796 |
| Net loans and leases to core deposits | 74.2838% | 3,767 |
| Total domestic deposits to total assets | 84.9996% | 3,891 |
| Equity capital to assets | 14.7957% | 758 |
| Core capital (leverage) ratio | 14.1758% | 779 |
| Tier 1 risk-based capital ratio | 23.6960% | 1,030 |
| Total risk-based capital ratio | 24.8303% | 1,031 |
| Memoranda: | ||
| Average total assets | $37,114,000 | 6,483 |
| Average earning assets | $35,895,330 | 6,406 |
| Average equity | $5,479,000 | 6,052 |
| Average total loans | $21,339,000 | 6,241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 5,686 |
| Cost of funding earning assets | 0.5531% | 3,541 |
| Net interest margin | 2.9535% | 5,697 |
| Noninterest income to average assets | 0.3320% | 5,042 |
| Noninterest expense to average assets | 2.2596% | 5,541 |
| Loan and lease loss provision to assets | 0.0428% | 3,886 |
| Net operating income to assets | 0.8460% | 2,919 |
| Return on assets (ROA) | 0.8460% | 3,059 |
| Pretax return on assets | 0.8889% | 3,803 |
| Return on Equity (ROE) | 5.7371% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.5585% | 4,103 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8054% | 3,822 |
| Assets per employee ($millions) | 3.7664% | 4,418 |
| Cash dividends to net income (ytd only)* | 37.9747% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 5,149 |
| Loan loss allowance to noncurrent loans | 58.5648% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 3,441 |
| Noncurrent loans to loans | 2.0614% | 2,551 |
| Net loans and leases to total assets | 54.9703% | 4,246 |
| Net loans and leases to deposits | 64.6293% | 4,239 |
| Net loans and leases to core deposits | 69.8492% | 4,102 |
| Total domestic deposits to total assets | 85.0547% | 4,013 |
| Equity capital to assets | 14.6400% | 841 |
| Core capital (leverage) ratio | 13.8413% | 837 |
| Tier 1 risk-based capital ratio | 23.3521% | 1,102 |
| Total risk-based capital ratio | 24.4850% | 1,102 |
| Memoranda: | ||
| Average total assets | $37,351,500 | 6,537 |
| Average earning assets | $36,160,000 | 6,461 |
| Average equity | $5,508,000 | 6,099 |
| Average total loans | $21,069,500 | 6,308 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 5,321 |
| Cost of funding earning assets | 0.7150% | 3,367 |
| Net interest margin | 3.2809% | 5,318 |
| Noninterest income to average assets | 0.4076% | 4,545 |
| Noninterest expense to average assets | 2.3042% | 5,683 |
| Loan and lease loss provision to assets | 0.0761% | 4,771 |
| Net operating income to assets | 1.1293% | 1,844 |
| Return on assets (ROA) | 1.1032% | 2,108 |
| Pretax return on assets | 1.1548% | 2,971 |
| Return on Equity (ROE) | 7.4433% | 3,374 |
| Retained earnings to average equity (ytd only) | 3.5566% | 3,712 |
| Net charge-offs to loans | -0.0239% | 6,581 |
| Credit loss provision to net charge-offs | -560.0000% | 6,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6834% | 4,760 |
| Assets per employee ($millions) | 3.7039% | 4,547 |
| Cash dividends to net income (ytd only)* | 52.2167% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,232 |
| Loan loss allowance to noncurrent loans | 54.0130% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 3,343 |
| Noncurrent loans to loans | 2.1764% | 2,490 |
| Net loans and leases to total assets | 56.5161% | 4,203 |
| Net loans and leases to deposits | 66.5935% | 4,193 |
| Net loans and leases to core deposits | 72.0833% | 4,038 |
| Total domestic deposits to total assets | 84.8673% | 3,920 |
| Equity capital to assets | 14.8546% | 778 |
| Core capital (leverage) ratio | 13.6673% | 896 |
| Tier 1 risk-based capital ratio | 22.9990% | 1,118 |
| Total risk-based capital ratio | 24.1056% | 1,117 |
| Memoranda: | ||
| Average total assets | $36,802,600 | 6,585 |
| Average earning assets | $35,386,800 | 6,518 |
| Average equity | $5,454,600 | 6,162 |
| Average total loans | $20,900,400 | 6,381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 5,418 |
| Cost of funding earning assets | 0.7444% | 3,395 |
| Net interest margin | 3.2914% | 5,422 |
| Noninterest income to average assets | 0.3774% | 4,804 |
| Noninterest expense to average assets | 2.2716% | 5,768 |
| Loan and lease loss provision to assets | 0.0762% | 4,690 |
| Net operating income to assets | 1.1358% | 1,966 |
| Return on assets (ROA) | 1.1358% | 2,159 |
| Pretax return on assets | 1.1902% | 3,021 |
| Return on Equity (ROE) | 7.6674% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.9325% | 2,164 |
| Net charge-offs to loans | -0.0512% | 6,717 |
| Credit loss provision to net charge-offs | -262.5000% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2051% | 4,778 |
| Assets per employee ($millions) | 3.7090% | 4,514 |
| Cash dividends to net income (ytd only)* | 9.5850% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,295 |
| Loan loss allowance to noncurrent loans | 1,366.6667% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 5,322 |
| Noncurrent loans to loans | 0.0876% | 6,396 |
| Net loans and leases to total assets | 54.7317% | 4,635 |
| Net loans and leases to deposits | 64.8459% | 4,616 |
| Net loans and leases to core deposits | 69.3472% | 4,578 |
| Total domestic deposits to total assets | 84.4028% | 4,033 |
| Equity capital to assets | 15.1901% | 777 |
| Core capital (leverage) ratio | 14.0889% | 806 |
| Tier 1 risk-based capital ratio | 23.4360% | 1,106 |
| Total risk-based capital ratio | 24.5329% | 1,107 |
| Memoranda: | ||
| Average total assets | $36,743,500 | 6,672 |
| Average earning assets | $35,282,750 | 6,603 |
| Average equity | $5,442,750 | 6,232 |
| Average total loans | $20,830,000 | 6,471 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 5,500 |
| Cost of funding earning assets | 0.7943% | 3,234 |
| Net interest margin | 3.2509% | 5,588 |
| Noninterest income to average assets | 0.3222% | 5,248 |
| Noninterest expense to average assets | 2.2387% | 5,906 |
| Loan and lease loss provision to assets | 0.0764% | 4,662 |
| Net operating income to assets | 1.0866% | 2,094 |
| Return on assets (ROA) | 1.0866% | 2,316 |
| Pretax return on assets | 1.1357% | 3,164 |
| Return on Equity (ROE) | 7.3991% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.2837% | 2,512 |
| Net charge-offs to loans | -0.0573% | 6,700 |
| Credit loss provision to net charge-offs | -233.3333% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8734% | 4,738 |
| Assets per employee ($millions) | 3.6635% | 4,607 |
| Cash dividends to net income (ytd only)* | 15.0754% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.6670% | 3,884 |
| Net loans and leases to deposits | 70.4947% | 3,822 |
| Net loans and leases to core deposits | 76.3900% | 3,729 |
| Total domestic deposits to total assets | 84.6404% | 4,036 |
| Equity capital to assets | 14.9993% | 789 |
| Core capital (leverage) ratio | 13.8999% | 831 |
| Tier 1 risk-based capital ratio | 22.0092% | 1,291 |
| Total risk-based capital ratio | 23.0193% | 1,312 |
| Memoranda: | ||
| Average total assets | $36,628,000 | 6,720 |
| Average earning assets | $35,251,670 | 6,649 |
| Average equity | $5,379,000 | 6,273 |
| Average total loans | $20,924,670 | 6,511 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 5,429 |
| Cost of funding earning assets | 0.8281% | 3,249 |
| Net interest margin | 3.2785% | 5,536 |
| Noninterest income to average assets | 0.2730% | 5,685 |
| Noninterest expense to average assets | 2.2499% | 5,898 |
| Loan and lease loss provision to assets | 0.0874% | 4,281 |
| Net operating income to assets | 1.0376% | 2,335 |
| Return on assets (ROA) | 1.0376% | 2,525 |
| Pretax return on assets | 1.0922% | 3,355 |
| Return on Equity (ROE) | 7.1415% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.8863% | 3,618 |
| Net charge-offs to loans | -0.1180% | 6,844 |
| Credit loss provision to net charge-offs | -133.3333% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6051% | 4,634 |
| Assets per employee ($millions) | 3.6648% | 4,732 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 5,691 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.6538% | 4,445 |
| Net loans and leases to deposits | 65.4851% | 4,435 |
| Net loans and leases to core deposits | 70.9155% | 4,305 |
| Total domestic deposits to total assets | 84.9869% | 4,044 |
| Equity capital to assets | 14.6311% | 825 |
| Core capital (leverage) ratio | 13.6435% | 892 |
| Tier 1 risk-based capital ratio | 22.4861% | 1,209 |
| Total risk-based capital ratio | 23.5126% | 1,218 |
| Memoranda: | ||
| Average total assets | $36,624,500 | 6,775 |
| Average earning assets | $35,259,500 | 6,700 |
| Average equity | $5,321,000 | 6,329 |
| Average total loans | $20,339,500 | 6,598 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 5,938 |
| Cost of funding earning assets | 0.9717% | 3,569 |
| Net interest margin | 3.2709% | 5,897 |
| Noninterest income to average assets | 0.3904% | 4,698 |
| Noninterest expense to average assets | 2.4379% | 5,670 |
| Loan and lease loss provision to assets | 0.1119% | 5,190 |
| Net operating income to assets | 0.9548% | 2,386 |
| Return on assets (ROA) | 0.9418% | 2,569 |
| Pretax return on assets | 0.9883% | 3,283 |
| Return on Equity (ROE) | 6.6451% | 3,568 |
| Retained earnings to average equity (ytd only) | 2.5617% | 4,404 |
| Net charge-offs to loans | -0.0148% | 6,926 |
| Credit loss provision to net charge-offs | -1,366.6667% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6395% | 4,223 |
| Assets per employee ($millions) | 3.6601% | 4,641 |
| Cash dividends to net income (ytd only)* | 61.4493% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 5,896 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 5,529 |
| Noncurrent loans to loans | 0.0299% | 6,750 |
| Net loans and leases to total assets | 54.1980% | 5,007 |
| Net loans and leases to deposits | 65.3673% | 4,822 |
| Net loans and leases to core deposits | 70.9402% | 4,656 |
| Total domestic deposits to total assets | 82.9130% | 4,785 |
| Equity capital to assets | 14.4258% | 922 |
| Core capital (leverage) ratio | 13.3946% | 1,009 |
| Tier 1 risk-based capital ratio | 22.7119% | 1,130 |
| Total risk-based capital ratio | 23.6984% | 1,147 |
| Memoranda: | ||
| Average total assets | $36,630,400 | 6,777 |
| Average earning assets | $35,403,000 | 6,698 |
| Average equity | $5,191,800 | 6,392 |
| Average total loans | $20,231,400 | 6,650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 5,977 |
| Cost of funding earning assets | 1.0038% | 3,656 |
| Net interest margin | 3.2859% | 5,901 |
| Noninterest income to average assets | 0.3603% | 4,986 |
| Noninterest expense to average assets | 2.4128% | 5,731 |
| Loan and lease loss provision to assets | 0.1492% | 4,582 |
| Net operating income to assets | 0.9307% | 2,616 |
| Return on assets (ROA) | 0.9134% | 2,823 |
| Pretax return on assets | 0.9607% | 3,552 |
| Return on Equity (ROE) | 6.4734% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.6997% | 2,743 |
| Net charge-offs to loans | -0.0592% | 7,079 |
| Credit loss provision to net charge-offs | -455.5556% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1398% | 4,290 |
| Assets per employee ($millions) | 3.7199% | 4,494 |
| Cash dividends to net income (ytd only)* | 11.9524% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,689 |
| Loan loss allowance to noncurrent loans | 107.2115% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 5,227 |
| Noncurrent loans to loans | 1.0712% | 4,773 |
| Net loans and leases to total assets | 51.6008% | 5,498 |
| Net loans and leases to deposits | 60.7379% | 5,550 |
| Net loans and leases to core deposits | 65.6598% | 5,450 |
| Total domestic deposits to total assets | 84.9566% | 3,781 |
| Equity capital to assets | 14.5407% | 978 |
| Core capital (leverage) ratio | 13.5165% | 1,039 |
| Tier 1 risk-based capital ratio | 23.7027% | 1,048 |
| Total risk-based capital ratio | 24.7471% | 1,056 |
| Memoranda: | ||
| Average total assets | $36,637,750 | 6,839 |
| Average earning assets | $35,463,750 | 6,754 |
| Average equity | $5,169,750 | 6,450 |
| Average total loans | $20,276,000 | 6,707 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 5,983 |
| Cost of funding earning assets | 1.0073% | 3,907 |
| Net interest margin | 3.3049% | 5,840 |
| Noninterest income to average assets | 0.2908% | 5,551 |
| Noninterest expense to average assets | 2.3484% | 6,003 |
| Loan and lease loss provision to assets | 0.2085% | 3,836 |
| Net operating income to assets | 0.8875% | 2,698 |
| Return on assets (ROA) | 0.8614% | 2,908 |
| Pretax return on assets | 0.9108% | 3,577 |
| Return on Equity (ROE) | 6.1690% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.9902% | 3,017 |
| Net charge-offs to loans | -0.0875% | 7,134 |
| Credit loss provision to net charge-offs | -422.2222% | 6,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1900% | 4,666 |
| Assets per employee ($millions) | 3.6822% | 4,497 |
| Cash dividends to net income (ytd only)* | 19.1083% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,199 |
| Loan loss allowance to noncurrent loans | 210.5769% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 5,576 |
| Noncurrent loans to loans | 0.4918% | 5,923 |
| Net loans and leases to total assets | 56.8329% | 4,845 |
| Net loans and leases to deposits | 66.5914% | 4,909 |
| Net loans and leases to core deposits | 72.0205% | 4,814 |
| Total domestic deposits to total assets | 85.3457% | 3,704 |
| Equity capital to assets | 14.2225% | 1,025 |
| Core capital (leverage) ratio | 13.1269% | 1,103 |
| Tier 1 risk-based capital ratio | 22.2521% | 1,223 |
| Total risk-based capital ratio | 23.2330% | 1,231 |
| Memoranda: | ||
| Average total assets | $36,450,670 | 6,906 |
| Average earning assets | $35,341,000 | 6,826 |
| Average equity | $5,090,000 | 6,504 |
| Average total loans | $20,562,000 | 6,758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 5,690 |
| Cost of funding earning assets | 1.0466% | 3,876 |
| Net interest margin | 3.3559% | 5,592 |
| Noninterest income to average assets | 0.2537% | 5,866 |
| Noninterest expense to average assets | 2.4045% | 5,874 |
| Loan and lease loss provision to assets | 0.1103% | 4,635 |
| Net operating income to assets | 0.9486% | 2,365 |
| Return on assets (ROA) | 0.9486% | 2,429 |
| Pretax return on assets | 0.9927% | 3,157 |
| Return on Equity (ROE) | 6.8574% | 3,462 |
| Retained earnings to average equity (ytd only) | 4.4653% | 3,498 |
| Net charge-offs to loans | -0.0197% | 6,567 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5535% | 4,549 |
| Assets per employee ($millions) | 3.7137% | 4,505 |
| Cash dividends to net income (ytd only)* | 34.8837% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 6,724 |
| Loan loss allowance to noncurrent loans | 107.0175% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 5,201 |
| Noncurrent loans to loans | 0.8313% | 5,371 |
| Net loans and leases to total assets | 54.8967% | 5,180 |
| Net loans and leases to deposits | 63.7951% | 5,278 |
| Net loans and leases to core deposits | 68.9006% | 5,179 |
| Total domestic deposits to total assets | 86.0516% | 3,497 |
| Equity capital to assets | 13.5606% | 1,161 |
| Core capital (leverage) ratio | 13.5138% | 964 |
| Tier 1 risk-based capital ratio | 22.0209% | 1,223 |
| Total risk-based capital ratio | 22.8438% | 1,277 |
| Memoranda: | ||
| Average total assets | $36,265,000 | 6,959 |
| Average earning assets | $35,162,000 | 6,874 |
| Average equity | $5,016,500 | 6,551 |
| Average total loans | $20,270,000 | 6,825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 5,959 |
| Cost of funding earning assets | 1.2286% | 4,364 |
| Net interest margin | 3.4193% | 5,553 |
| Noninterest income to average assets | 0.3648% | 5,190 |
| Noninterest expense to average assets | 2.4805% | 5,861 |
| Loan and lease loss provision to assets | 0.2217% | 5,055 |
| Net operating income to assets | 0.9232% | 2,306 |
| Return on assets (ROA) | 0.9232% | 2,427 |
| Pretax return on assets | 0.9737% | 3,015 |
| Return on Equity (ROE) | 6.3881% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.0873% | 5,005 |
| Net charge-offs to loans | 0.9010% | 2,393 |
| Credit loss provision to net charge-offs | 44.1341% | 6,334 |
| Earnings coverage of net charge-offs (x) | 2.3799% | 3,949 |
| Efficiency ratio | 67.4809% | 4,673 |
| Assets per employee ($millions) | 3.5393% | 4,851 |
| Cash dividends to net income (ytd only)* | 82.9787% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,821 |
| Loan loss allowance to noncurrent loans | 197.7011% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 5,141 |
| Noncurrent loans to loans | 0.4357% | 6,169 |
| Net loans and leases to total assets | 55.9376% | 5,355 |
| Net loans and leases to deposits | 65.7632% | 5,434 |
| Net loans and leases to core deposits | 71.3750% | 5,288 |
| Total domestic deposits to total assets | 85.0592% | 3,823 |
| Equity capital to assets | 14.1186% | 997 |
| Core capital (leverage) ratio | 13.2434% | 1,051 |
| Tier 1 risk-based capital ratio | 22.4089% | 1,123 |
| Total risk-based capital ratio | 23.2051% | 1,155 |
| Memoranda: | ||
| Average total assets | $35,638,400 | 7,018 |
| Average earning assets | $34,510,200 | 6,933 |
| Average equity | $5,150,200 | 6,620 |
| Average total loans | $19,865,800 | 6,933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 6,075 |
| Cost of funding earning assets | 1.2565% | 4,526 |
| Net interest margin | 3.4303% | 5,569 |
| Noninterest income to average assets | 0.3511% | 5,364 |
| Noninterest expense to average assets | 2.4351% | 5,929 |
| Loan and lease loss provision to assets | 0.2502% | 4,586 |
| Net operating income to assets | 0.9673% | 2,346 |
| Return on assets (ROA) | 0.9673% | 2,468 |
| Pretax return on assets | 0.9897% | 3,216 |
| Return on Equity (ROE) | 6.6555% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.3170% | 3,462 |
| Net charge-offs to loans | 1.2029% | 1,693 |
| Credit loss provision to net charge-offs | 37.4302% | 6,049 |
| Earnings coverage of net charge-offs (x) | 1.8548% | 4,318 |
| Efficiency ratio | 66.2602% | 4,808 |
| Assets per employee ($millions) | 3.6355% | 4,650 |
| Cash dividends to net income (ytd only)* | 35.1355% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 6,938 |
| Loan loss allowance to noncurrent loans | 173.9130% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 5,211 |
| Noncurrent loans to loans | 0.4776% | 6,238 |
| Net loans and leases to total assets | 52.5430% | 6,034 |
| Net loans and leases to deposits | 61.8368% | 6,130 |
| Net loans and leases to core deposits | 66.9330% | 6,044 |
| Total domestic deposits to total assets | 84.9704% | 3,629 |
| Equity capital to assets | 14.5179% | 1,016 |
| Core capital (leverage) ratio | 13.6662% | 1,004 |
| Tier 1 risk-based capital ratio | 23.6954% | 982 |
| Total risk-based capital ratio | 24.6520% | 990 |
| Memoranda: | ||
| Average total assets | $35,699,750 | 7,104 |
| Average earning assets | $34,592,750 | 7,008 |
| Average equity | $5,188,500 | 6,678 |
| Average total loans | $19,839,750 | 7,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 5,893 |
| Cost of funding earning assets | 1.3149% | 4,441 |
| Net interest margin | 3.4561% | 5,422 |
| Noninterest income to average assets | 0.2818% | 5,889 |
| Noninterest expense to average assets | 2.4745% | 5,815 |
| Loan and lease loss provision to assets | 0.1127% | 5,776 |
| Net operating income to assets | 0.9921% | 2,234 |
| Return on assets (ROA) | 0.9921% | 2,308 |
| Pretax return on assets | 1.0428% | 2,965 |
| Return on Equity (ROE) | 6.8235% | 3,386 |
| Retained earnings to average equity (ytd only) | 3.2954% | 4,005 |
| Net charge-offs to loans | 0.0200% | 6,064 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 320 |
| Efficiency ratio | 68.1677% | 4,550 |
| Assets per employee ($millions) | 3.5874% | 4,722 |
| Cash dividends to net income (ytd only)* | 51.7045% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 4,141 |
| Loan loss allowance to noncurrent loans | 158.4699% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 4,707 |
| Noncurrent loans to loans | 0.9197% | 5,441 |
| Net loans and leases to total assets | 54.6580% | 5,890 |
| Net loans and leases to deposits | 64.2717% | 6,004 |
| Net loans and leases to core deposits | 69.6406% | 5,911 |
| Total domestic deposits to total assets | 85.0421% | 3,601 |
| Equity capital to assets | 14.5119% | 1,008 |
| Core capital (leverage) ratio | 13.5877% | 1,030 |
| Tier 1 risk-based capital ratio | 23.0879% | 1,059 |
| Total risk-based capital ratio | 24.5285% | 1,007 |
| Memoranda: | ||
| Average total assets | $35,481,330 | 7,157 |
| Average earning assets | $34,374,000 | 7,069 |
| Average equity | $5,158,670 | 6,725 |
| Average total loans | $20,032,330 | 7,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 5,747 |
| Cost of funding earning assets | 1.3898% | 4,243 |
| Net interest margin | 3.4453% | 5,397 |
| Noninterest income to average assets | 0.2607% | 6,061 |
| Noninterest expense to average assets | 2.5620% | 5,509 |
| Loan and lease loss provision to assets | 0.1134% | 5,482 |
| Net operating income to assets | 0.8842% | 2,615 |
| Return on assets (ROA) | 0.8842% | 2,684 |
| Pretax return on assets | 0.9296% | 3,349 |
| Return on Equity (ROE) | 6.0759% | 3,837 |
| Retained earnings to average equity (ytd only) | -1.0127% | 6,051 |
| Net charge-offs to loans | 0.0597% | 4,816 |
| Credit loss provision to net charge-offs | 333.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 858 |
| Efficiency ratio | 71.0692% | 4,108 |
| Assets per employee ($millions) | 3.2198% | 5,722 |
| Cash dividends to net income (ytd only)* | 116.6667% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,414 |
| Loan loss allowance to noncurrent loans | 146.8421% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 4,656 |
| Noncurrent loans to loans | 0.9538% | 5,430 |
| Net loans and leases to total assets | 55.4577% | 5,822 |
| Net loans and leases to deposits | 65.1541% | 5,921 |
| Net loans and leases to core deposits | 71.3062% | 5,796 |
| Total domestic deposits to total assets | 85.1177% | 3,604 |
| Equity capital to assets | 14.4192% | 1,034 |
| Core capital (leverage) ratio | 13.3690% | 1,111 |
| Tier 1 risk-based capital ratio | 23.0825% | 1,061 |
| Total risk-based capital ratio | 24.5285% | 1,020 |
| Memoranda: | ||
| Average total assets | $35,285,000 | 7,261 |
| Average earning assets | $34,250,000 | 7,154 |
| Average equity | $5,135,000 | 6,809 |
| Average total loans | $20,099,500 | 7,150 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 5,201 |
| Cost of funding earning assets | 1.6920% | 4,558 |
| Net interest margin | 3.6022% | 4,544 |
| Noninterest income to average assets | 0.3700% | 5,442 |
| Noninterest expense to average assets | 2.5011% | 6,128 |
| Loan and lease loss provision to assets | 0.2754% | 5,210 |
| Net operating income to assets | 1.0448% | 1,690 |
| Return on assets (ROA) | 0.9494% | 2,060 |
| Pretax return on assets | 0.9981% | 2,599 |
| Return on Equity (ROE) | 6.2711% | 3,093 |
| Retained earnings to average equity (ytd only) | 0.5115% | 4,623 |
| Net charge-offs to loans | 0.2440% | 5,095 |
| Credit loss provision to net charge-offs | 195.9184% | 2,020 |
| Earnings coverage of net charge-offs (x) | 9.7755% | 1,759 |
| Efficiency ratio | 64.5448% | 5,669 |
| Assets per employee ($millions) | 3.9058% | 4,012 |
| Cash dividends to net income (ytd only)* | 91.8429% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,528 |
| Loan loss allowance to noncurrent loans | 79.7654% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 4,602 |
| Noncurrent loans to loans | 1.6816% | 4,128 |
| Net loans and leases to total assets | 56.9128% | 5,833 |
| Net loans and leases to deposits | 67.0937% | 5,933 |
| Net loans and leases to core deposits | 82.6592% | 5,854 |
| Total domestic deposits to total assets | 84.8259% | 3,633 |
| Equity capital to assets | 14.6876% | 980 |
| Core capital (leverage) ratio | 13.3856% | 1,130 |
| Tier 1 risk-based capital ratio | 22.7238% | 1,072 |
| Total risk-based capital ratio | 24.1637% | 1,027 |
| Memoranda: | ||
| Average total assets | $34,864,600 | 7,287 |
| Average earning assets | $33,923,800 | 7,190 |
| Average equity | $5,278,200 | 6,840 |
| Average total loans | $20,078,400 | 7,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3497% | 5,177 |
| Cost of funding earning assets | 1.7360% | 4,722 |
| Net interest margin | 3.6137% | 4,426 |
| Noninterest income to average assets | 0.3564% | 5,642 |
| Noninterest expense to average assets | 2.4755% | 6,157 |
| Loan and lease loss provision to assets | 0.3219% | 4,412 |
| Net operating income to assets | 1.0151% | 2,000 |
| Return on assets (ROA) | 0.8891% | 2,535 |
| Pretax return on assets | 0.9427% | 3,085 |
| Return on Equity (ROE) | 5.8287% | 3,591 |
| Retained earnings to average equity (ytd only) | 3.5425% | 3,310 |
| Net charge-offs to loans | -0.0066% | 7,649 |
| Credit loss provision to net charge-offs | -8,400.0000% | 7,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8971% | 5,776 |
| Assets per employee ($millions) | 3.4991% | 4,927 |
| Cash dividends to net income (ytd only)* | 39.2235% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 3,093 |
| Loan loss allowance to noncurrent loans | 65.6780% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.6376% | 3,905 |
| Noncurrent loans to loans | 2.3998% | 3,140 |
| Net loans and leases to total assets | 55.3228% | 6,226 |
| Net loans and leases to deposits | 65.8570% | 6,322 |
| Net loans and leases to core deposits | 81.0704% | 6,264 |
| Total domestic deposits to total assets | 84.0045% | 3,720 |
| Equity capital to assets | 15.3382% | 923 |
| Core capital (leverage) ratio | 13.8522% | 1,129 |
| Tier 1 risk-based capital ratio | 24.3772% | 964 |
| Total risk-based capital ratio | 25.8320% | 921 |
| Memoranda: | ||
| Average total assets | $34,792,750 | 7,348 |
| Average earning assets | $33,870,250 | 7,253 |
| Average equity | $5,307,000 | 6,902 |
| Average total loans | $20,028,500 | 7,251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3879% | 5,216 |
| Cost of funding earning assets | 1.7802% | 4,859 |
| Net interest margin | 3.6077% | 4,330 |
| Noninterest income to average assets | 0.2534% | 6,464 |
| Noninterest expense to average assets | 2.4592% | 6,264 |
| Loan and lease loss provision to assets | 0.1843% | 5,185 |
| Net operating income to assets | 1.0655% | 1,891 |
| Return on assets (ROA) | 1.0655% | 1,965 |
| Pretax return on assets | 1.1231% | 2,555 |
| Return on Equity (ROE) | 6.9983% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.5559% | 3,321 |
| Net charge-offs to loans | -0.0099% | 7,606 |
| Credit loss provision to net charge-offs | -3,200.0000% | 7,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2905% | 5,660 |
| Assets per employee ($millions) | 3.4707% | 4,892 |
| Cash dividends to net income (ytd only)* | 49.1892% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 4,724 |
| Loan loss allowance to noncurrent loans | 45.4225% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 3,754 |
| Noncurrent loans to loans | 2.7155% | 2,650 |
| Net loans and leases to total assets | 59.5240% | 5,761 |
| Net loans and leases to deposits | 71.2379% | 5,843 |
| Net loans and leases to core deposits | 85.8681% | 5,917 |
| Total domestic deposits to total assets | 83.5566% | 3,983 |
| Equity capital to assets | 15.3370% | 963 |
| Core capital (leverage) ratio | 14.0107% | 1,135 |
| Tier 1 risk-based capital ratio | 23.4708% | 1,095 |
| Total risk-based capital ratio | 24.8905% | 1,052 |
| Memoranda: | ||
| Average total assets | $34,726,670 | 7,417 |
| Average earning assets | $33,816,670 | 7,324 |
| Average equity | $5,287,000 | 6,967 |
| Average total loans | $20,148,670 | 7,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 5,223 |
| Cost of funding earning assets | 1.8450% | 4,902 |
| Net interest margin | 3.5953% | 4,333 |
| Noninterest income to average assets | 0.2418% | 6,521 |
| Noninterest expense to average assets | 2.3491% | 6,372 |
| Loan and lease loss provision to assets | 0.1152% | 5,492 |
| Net operating income to assets | 1.2206% | 1,598 |
| Return on assets (ROA) | 1.2206% | 1,703 |
| Pretax return on assets | 1.2782% | 2,351 |
| Return on Equity (ROE) | 8.0471% | 3,128 |
| Retained earnings to average equity (ytd only) | 1.1387% | 5,188 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7692% | 5,915 |
| Assets per employee ($millions) | 3.1396% | 5,776 |
| Cash dividends to net income (ytd only)* | 85.8491% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 4,920 |
| Loan loss allowance to noncurrent loans | 70.5706% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 4,785 |
| Noncurrent loans to loans | 1.6749% | 3,746 |
| Net loans and leases to total assets | 56.8885% | 6,110 |
| Net loans and leases to deposits | 67.5456% | 6,224 |
| Net loans and leases to core deposits | 81.0252% | 6,310 |
| Total domestic deposits to total assets | 84.2223% | 3,593 |
| Equity capital to assets | 15.2160% | 1,042 |
| Core capital (leverage) ratio | 13.7657% | 1,243 |
| Tier 1 risk-based capital ratio | 24.1010% | 1,066 |
| Total risk-based capital ratio | 25.4821% | 1,031 |
| Memoranda: | ||
| Average total assets | $34,736,500 | 7,460 |
| Average earning assets | $33,822,000 | 7,364 |
| Average equity | $5,269,000 | 7,026 |
| Average total loans | $19,764,500 | 7,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0633% | 5,236 |
| Cost of funding earning assets | 2.3462% | 4,940 |
| Net interest margin | 3.7171% | 4,396 |
| Noninterest income to average assets | 0.2959% | 6,345 |
| Noninterest expense to average assets | 2.2498% | 6,839 |
| Loan and lease loss provision to assets | 0.3189% | 3,825 |
| Net operating income to assets | 1.2671% | 1,576 |
| Return on assets (ROA) | 1.2671% | 1,525 |
| Pretax return on assets | 1.3188% | 2,248 |
| Return on Equity (ROE) | 8.5089% | 2,838 |
| Retained earnings to average equity (ytd only) | -0.8683% | 5,557 |
| Net charge-offs to loans | 0.6905% | 1,776 |
| Credit loss provision to net charge-offs | 81.6176% | 5,867 |
| Earnings coverage of net charge-offs (x) | 4.1912% | 4,071 |
| Efficiency ratio | 57.8714% | 6,724 |
| Assets per employee ($millions) | 3.4937% | 4,679 |
| Cash dividends to net income (ytd only)* | 110.2041% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,958 |
| Loan loss allowance to noncurrent loans | 74.2574% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 4,682 |
| Noncurrent loans to loans | 1.5422% | 3,481 |
| Net loans and leases to total assets | 55.5915% | 6,475 |
| Net loans and leases to deposits | 65.9312% | 6,650 |
| Net loans and leases to core deposits | 79.0251% | 6,689 |
| Total domestic deposits to total assets | 84.3175% | 3,168 |
| Equity capital to assets | 15.1215% | 1,129 |
| Core capital (leverage) ratio | 13.5618% | 1,367 |
| Tier 1 risk-based capital ratio | 24.3264% | 1,046 |
| Total risk-based capital ratio | 25.6736% | 1,023 |
| Memoranda: | ||
| Average total assets | $34,803,400 | 7,430 |
| Average earning assets | $33,628,400 | 7,339 |
| Average equity | $5,182,800 | 7,089 |
| Average total loans | $19,695,400 | 7,347 |