Home > Woodsfield Savings Bank > Performance and Condition Ratios
Woodsfield Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 2,933 |
| Cost of funding earning assets | 0.8851% | 3,552 |
| Net interest margin | 3.6975% | 1,765 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.9709% | 1,163 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.7235% | 3,124 |
| Return on assets (ROA) | 0.6704% | 3,247 |
| Pretax return on assets | 0.7708% | 3,283 |
| Return on Equity (ROE) | 8.5800% | 2,872 |
| Retained earnings to average equity (ytd only) | 6.8676% | 1,927 |
| Net charge-offs to loans | 0.0927% | 958 |
| Credit loss provision to net charge-offs | 207.9365% | 1,192 |
| Earnings coverage of net charge-offs (x) | 15.4921% | 2,041 |
| Efficiency ratio | 75.5633% | 1,292 |
| Assets per employee ($millions) | 3.8137% | 4,219 |
| Cash dividends to net income (ytd only)* | 19.9706% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,144 |
| Loan loss allowance to noncurrent loans | 49.2203% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 273 |
| Noncurrent loans to loans | 2.0999% | 263 |
| Net loans and leases to total assets | 67.5100% | 2,089 |
| Net loans and leases to deposits | 73.8748% | 2,626 |
| Net loans and leases to core deposits | 77.7214% | 2,862 |
| Total domestic deposits to total assets | 91.3800% | 414 |
| Equity capital to assets | 8.2092% | 3,273 |
| Core capital (leverage) ratio | 9.1761% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0334% | 1,074 |
| Memoranda: | ||
| Average total assets | $101,585,800 | 3,818 |
| Average earning assets | $96,037,000 | 3,784 |
| Average equity | $7,935,800 | 3,933 |
| Average total loans | $67,960,800 | 3,580 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 2,859 |
| Cost of funding earning assets | 0.8049% | 3,504 |
| Net interest margin | 3.7174% | 1,742 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8499% | 1,318 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.9337% | 2,569 |
| Return on assets (ROA) | 0.9337% | 2,558 |
| Pretax return on assets | 1.0496% | 2,713 |
| Return on Equity (ROE) | 12.1100% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.3672% | 1,305 |
| Net charge-offs to loans | 0.0772% | 943 |
| Credit loss provision to net charge-offs | 235.8974% | 1,020 |
| Earnings coverage of net charge-offs (x) | 22.7949% | 1,751 |
| Efficiency ratio | 70.8811% | 1,691 |
| Assets per employee ($millions) | 3.5976% | 4,295 |
| Cash dividends to net income (ytd only)* | 14.3865% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,213 |
| Loan loss allowance to noncurrent loans | 58.2787% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 369 |
| Noncurrent loans to loans | 1.7662% | 374 |
| Net loans and leases to total assets | 67.8700% | 2,057 |
| Net loans and leases to deposits | 73.7309% | 2,591 |
| Net loans and leases to core deposits | 77.6167% | 2,762 |
| Total domestic deposits to total assets | 92.0500% | 442 |
| Equity capital to assets | 7.7154% | 3,231 |
| Core capital (leverage) ratio | 9.2442% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6112% | 1,175 |
| Memoranda: | ||
| Average total assets | $101,239,750 | 3,834 |
| Average earning assets | $95,907,500 | 3,796 |
| Average equity | $7,806,500 | 3,951 |
| Average total loans | $67,391,000 | 3,598 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 2,791 |
| Cost of funding earning assets | 0.7120% | 3,450 |
| Net interest margin | 3.7280% | 1,762 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.7670% | 1,485 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9999% | 2,423 |
| Return on assets (ROA) | 0.9999% | 2,416 |
| Pretax return on assets | 1.2188% | 2,312 |
| Return on Equity (ROE) | 12.9700% | 1,910 |
| Retained earnings to average equity (ytd only) | 11.2305% | 1,141 |
| Net charge-offs to loans | -0.0060% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6471% | 2,023 |
| Assets per employee ($millions) | 4.9208% | 3,656 |
| Cash dividends to net income (ytd only)* | 13.4122% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,221 |
| Loan loss allowance to noncurrent loans | 102.0029% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 776 |
| Noncurrent loans to loans | 1.0244% | 736 |
| Net loans and leases to total assets | 65.3400% | 2,228 |
| Net loans and leases to deposits | 71.0134% | 2,714 |
| Net loans and leases to core deposits | 73.7942% | 2,906 |
| Total domestic deposits to total assets | 92.0100% | 411 |
| Equity capital to assets | 7.7146% | 3,394 |
| Core capital (leverage) ratio | 9.0709% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9689% | 1,130 |
| Memoranda: | ||
| Average total assets | $101,408,667 | 3,850 |
| Average earning assets | $96,351,000 | 3,811 |
| Average equity | $7,818,000 | 3,970 |
| Average total loans | $66,829,667 | 3,612 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,936 |
| Cost of funding earning assets | 0.5769% | 3,456 |
| Net interest margin | 3.6702% | 1,971 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.6681% | 1,750 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.1190% | 2,167 |
| Return on assets (ROA) | 1.1190% | 2,136 |
| Pretax return on assets | 1.3739% | 1,951 |
| Return on Equity (ROE) | 14.5200% | 1,657 |
| Retained earnings to average equity (ytd only) | 12.7632% | 1,131 |
| Net charge-offs to loans | -0.0181% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3612% | 2,409 |
| Assets per employee ($millions) | 4.6699% | 3,918 |
| Cash dividends to net income (ytd only)* | 12.0996% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,389 |
| Loan loss allowance to noncurrent loans | 98.1429% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 728 |
| Noncurrent loans to loans | 1.0491% | 694 |
| Net loans and leases to total assets | 64.2800% | 2,221 |
| Net loans and leases to deposits | 69.8360% | 2,623 |
| Net loans and leases to core deposits | 72.2448% | 2,801 |
| Total domestic deposits to total assets | 92.0400% | 502 |
| Equity capital to assets | 7.7801% | 3,395 |
| Core capital (leverage) ratio | 9.1353% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3073% | 1,114 |
| Memoranda: | ||
| Average total assets | $100,445,000 | 3,908 |
| Average earning assets | $95,689,000 | 3,863 |
| Average equity | $7,741,000 | 4,027 |
| Average total loans | $66,127,500 | 3,663 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 2,063 |
| Cost of funding earning assets | 0.3935% | 2,151 |
| Net interest margin | 3.4760% | 2,007 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 2.8530% | 1,221 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.0765% | 2,277 |
| Return on assets (ROA) | 1.0757% | 2,219 |
| Pretax return on assets | 1.4649% | 1,559 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.1445% | 853 |
| Net charge-offs to loans | 0.0067% | 2,156 |
| Credit loss provision to net charge-offs | 5,100.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 396 |
| Efficiency ratio | 62.8483% | 2,649 |
| Assets per employee ($millions) | 4.4615% | 4,060 |
| Cash dividends to net income (ytd only)* | 17.1859% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,351 |
| Loan loss allowance to noncurrent loans | 117.7102% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 884 |
| Noncurrent loans to loans | 0.8531% | 877 |
| Net loans and leases to total assets | 66.0900% | 2,031 |
| Net loans and leases to deposits | 71.7227% | 2,432 |
| Net loans and leases to core deposits | 72.9708% | 2,651 |
| Total domestic deposits to total assets | 92.1500% | 600 |
| Equity capital to assets | 7.6299% | 3,307 |
| Core capital (leverage) ratio | 9.4754% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3646% | 1,072 |
| Memoranda: | ||
| Average total assets | $92,498,400 | 3,987 |
| Average earning assets | $88,436,200 | 3,945 |
| Average equity | $7,393,800 | 4,165 |
| Average total loans | $59,435,800 | 3,742 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 1,837 |
| Cost of funding earning assets | 0.3673% | 1,546 |
| Net interest margin | 3.4033% | 1,967 |
| Noninterest income to average assets | 1.2300% | 490 |
| Noninterest expense to average assets | 2.8398% | 1,171 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.1140% | 2,034 |
| Return on assets (ROA) | 1.1140% | 2,002 |
| Pretax return on assets | 1.3804% | 1,778 |
| Return on Equity (ROE) | 13.7700% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.9581% | 802 |
| Net charge-offs to loans | 0.0138% | 1,606 |
| Credit loss provision to net charge-offs | 3,050.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 187.6667% | 643 |
| Efficiency ratio | 63.2746% | 2,650 |
| Assets per employee ($millions) | 4.3726% | 4,136 |
| Cash dividends to net income (ytd only)* | 13.1406% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,452 |
| Loan loss allowance to noncurrent loans | 108.3618% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 874 |
| Noncurrent loans to loans | 0.9274% | 844 |
| Net loans and leases to total assets | 65.0200% | 1,980 |
| Net loans and leases to deposits | 70.5551% | 2,317 |
| Net loans and leases to core deposits | 72.0139% | 2,483 |
| Total domestic deposits to total assets | 92.1600% | 832 |
| Equity capital to assets | 7.3286% | 3,312 |
| Core capital (leverage) ratio | 9.3382% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3883% | 1,106 |
| Memoranda: | ||
| Average total assets | $91,084,750 | 4,029 |
| Average earning assets | $87,129,500 | 3,982 |
| Average equity | $7,370,000 | 4,206 |
| Average total loans | $57,912,500 | 3,784 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 1,639 |
| Cost of funding earning assets | 0.3176% | 1,551 |
| Net interest margin | 3.3464% | 1,772 |
| Noninterest income to average assets | 1.0584% | 594 |
| Noninterest expense to average assets | 2.8888% | 1,009 |
| Loan and lease loss provision to assets | 0.3155% | 207 |
| Net operating income to assets | 0.8794% | 2,670 |
| Return on assets (ROA) | 0.8794% | 2,645 |
| Pretax return on assets | 1.0606% | 2,541 |
| Return on Equity (ROE) | 10.5127% | 2,166 |
| Retained earnings to average equity (ytd only) | 8.7472% | 1,363 |
| Net charge-offs to loans | -0.0214% | 3,905 |
| Credit loss provision to net charge-offs | -2,350.0000% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7335% | 2,279 |
| Assets per employee ($millions) | 4.3525% | 4,174 |
| Cash dividends to net income (ytd only)* | 16.7939% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,455 |
| Loan loss allowance to noncurrent loans | 86.0597% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 679 |
| Noncurrent loans to loans | 1.2008% | 664 |
| Net loans and leases to total assets | 63.3874% | 1,974 |
| Net loans and leases to deposits | 69.2020% | 2,285 |
| Net loans and leases to core deposits | 70.7130% | 2,430 |
| Total domestic deposits to total assets | 91.5976% | 1,002 |
| Equity capital to assets | 8.0687% | 3,069 |
| Core capital (leverage) ratio | 9.0968% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8949% | 1,006 |
| Memoranda: | ||
| Average total assets | $89,380,333 | 4,087 |
| Average earning assets | $85,645,000 | 4,053 |
| Average equity | $7,476,667 | 4,256 |
| Average total loans | $56,154,333 | 3,859 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 1,915 |
| Cost of funding earning assets | 0.3068% | 1,588 |
| Net interest margin | 3.1532% | 2,014 |
| Noninterest income to average assets | 0.7921% | 1,062 |
| Noninterest expense to average assets | 2.7430% | 1,269 |
| Loan and lease loss provision to assets | 0.2761% | 223 |
| Net operating income to assets | 0.7107% | 3,017 |
| Return on assets (ROA) | 0.7107% | 3,001 |
| Pretax return on assets | 0.7967% | 3,116 |
| Return on Equity (ROE) | 8.3427% | 2,570 |
| Retained earnings to average equity (ytd only) | 6.6423% | 2,016 |
| Net charge-offs to loans | -0.0582% | 4,308 |
| Credit loss provision to net charge-offs | -762.5000% | 3,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8861% | 1,988 |
| Assets per employee ($millions) | 4.2918% | 4,256 |
| Cash dividends to net income (ytd only)* | 20.3822% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 3,901 |
| Loan loss allowance to noncurrent loans | 68.1759% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 627 |
| Noncurrent loans to loans | 1.3951% | 612 |
| Net loans and leases to total assets | 60.8952% | 1,969 |
| Net loans and leases to deposits | 66.4395% | 2,303 |
| Net loans and leases to core deposits | 67.9085% | 2,464 |
| Total domestic deposits to total assets | 91.6551% | 721 |
| Equity capital to assets | 8.2073% | 3,399 |
| Core capital (leverage) ratio | 8.7618% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0079% | 1,039 |
| Memoranda: | ||
| Average total assets | $88,369,000 | 4,116 |
| Average earning assets | $84,738,500 | 4,081 |
| Average equity | $7,527,500 | 4,311 |
| Average total loans | $54,960,000 | 3,887 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 1,912 |
| Cost of funding earning assets | 0.3455% | 1,979 |
| Net interest margin | 3.4388% | 1,909 |
| Noninterest income to average assets | 0.3326% | 3,421 |
| Noninterest expense to average assets | 2.8720% | 1,214 |
| Loan and lease loss provision to assets | 0.1155% | 1,088 |
| Net operating income to assets | 0.5498% | 3,984 |
| Return on assets (ROA) | 0.5498% | 4,031 |
| Pretax return on assets | 0.6314% | 4,061 |
| Return on Equity (ROE) | 5.9655% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.2358% | 3,114 |
| Net charge-offs to loans | 0.0597% | 1,190 |
| Credit loss provision to net charge-offs | 296.7742% | 1,070 |
| Earnings coverage of net charge-offs (x) | 19.1935% | 1,884 |
| Efficiency ratio | 79.3618% | 848 |
| Assets per employee ($millions) | 4.1243% | 4,373 |
| Cash dividends to net income (ytd only)* | 28.9954% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 4,196 |
| Loan loss allowance to noncurrent loans | 53.0707% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 567 |
| Noncurrent loans to loans | 1.5832% | 559 |
| Net loans and leases to total assets | 62.4078% | 1,893 |
| Net loans and leases to deposits | 68.8429% | 2,237 |
| Net loans and leases to core deposits | 70.2166% | 2,422 |
| Total domestic deposits to total assets | 90.6525% | 644 |
| Equity capital to assets | 8.8418% | 3,771 |
| Core capital (leverage) ratio | 9.5920% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8552% | 1,078 |
| Memoranda: | ||
| Average total assets | $79,666,400 | 4,221 |
| Average earning assets | $76,130,800 | 4,185 |
| Average equity | $7,342,200 | 4,392 |
| Average total loans | $51,955,400 | 3,963 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 1,953 |
| Cost of funding earning assets | 0.3531% | 2,091 |
| Net interest margin | 3.4759% | 1,938 |
| Noninterest income to average assets | 0.3268% | 3,472 |
| Noninterest expense to average assets | 2.8657% | 1,197 |
| Loan and lease loss provision to assets | 0.1181% | 1,005 |
| Net operating income to assets | 0.5560% | 4,090 |
| Return on assets (ROA) | 0.5560% | 4,132 |
| Pretax return on assets | 0.6604% | 4,141 |
| Return on Equity (ROE) | 5.9660% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.2221% | 3,499 |
| Net charge-offs to loans | 0.0260% | 1,521 |
| Credit loss provision to net charge-offs | 690.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,287 |
| Efficiency ratio | 78.6385% | 830 |
| Assets per employee ($millions) | 3.8751% | 4,514 |
| Cash dividends to net income (ytd only)* | 29.2308% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,251 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 1,784 |
| Noncurrent loans to loans | 0.6444% | 1,698 |
| Net loans and leases to total assets | 64.6600% | 1,694 |
| Net loans and leases to deposits | 71.4262% | 2,112 |
| Net loans and leases to core deposits | 72.9442% | 2,323 |
| Total domestic deposits to total assets | 90.5269% | 544 |
| Equity capital to assets | 9.1032% | 3,739 |
| Core capital (leverage) ratio | 9.3756% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1496% | 1,109 |
| Memoranda: | ||
| Average total assets | $77,930,250 | 4,300 |
| Average earning assets | $74,377,500 | 4,255 |
| Average equity | $7,263,250 | 4,459 |
| Average total loans | $51,316,750 | 4,025 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 1,962 |
| Cost of funding earning assets | 0.3578% | 2,248 |
| Net interest margin | 3.4847% | 1,903 |
| Noninterest income to average assets | 0.3334% | 3,429 |
| Noninterest expense to average assets | 2.8080% | 1,334 |
| Loan and lease loss provision to assets | 0.1224% | 1,027 |
| Net operating income to assets | 0.6043% | 3,975 |
| Return on assets (ROA) | 0.6043% | 4,028 |
| Pretax return on assets | 0.7267% | 4,013 |
| Return on Equity (ROE) | 6.4310% | 3,808 |
| Retained earnings to average equity (ytd only) | 4.6847% | 3,305 |
| Net charge-offs to loans | 0.0355% | 1,289 |
| Credit loss provision to net charge-offs | 522.2222% | 667 |
| Earnings coverage of net charge-offs (x) | 36.2222% | 1,213 |
| Efficiency ratio | 76.7806% | 1,010 |
| Assets per employee ($millions) | 4.5946% | 4,025 |
| Cash dividends to net income (ytd only)* | 27.1552% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,325 |
| Loan loss allowance to noncurrent loans | 56.2016% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 762 |
| Noncurrent loans to loans | 1.4742% | 774 |
| Net loans and leases to total assets | 66.6594% | 1,613 |
| Net loans and leases to deposits | 74.1357% | 1,985 |
| Net loans and leases to core deposits | 74.4069% | 2,371 |
| Total domestic deposits to total assets | 89.9154% | 820 |
| Equity capital to assets | 9.4125% | 3,415 |
| Core capital (leverage) ratio | 9.2591% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3022% | 1,065 |
| Memoranda: | ||
| Average total assets | $76,781,000 | 4,338 |
| Average earning assets | $73,233,667 | 4,294 |
| Average equity | $7,215,000 | 4,490 |
| Average total loans | $50,730,667 | 4,069 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 2,312 |
| Cost of funding earning assets | 0.3693% | 2,361 |
| Net interest margin | 3.3513% | 2,243 |
| Noninterest income to average assets | 0.2943% | 3,640 |
| Noninterest expense to average assets | 2.7799% | 1,409 |
| Loan and lease loss provision to assets | 0.1314% | 1,043 |
| Net operating income to assets | 0.4677% | 4,240 |
| Return on assets (ROA) | 0.4677% | 4,277 |
| Pretax return on assets | 0.5781% | 4,222 |
| Return on Equity (ROE) | 4.9815% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.1904% | 3,720 |
| Net charge-offs to loans | 0.1043% | 665 |
| Credit loss provision to net charge-offs | 192.3077% | 902 |
| Earnings coverage of net charge-offs (x) | 10.3846% | 1,501 |
| Efficiency ratio | 79.6687% | 842 |
| Assets per employee ($millions) | 4.2316% | 4,325 |
| Cash dividends to net income (ytd only)* | 35.9551% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 4,393 |
| Loan loss allowance to noncurrent loans | 52.5032% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 798 |
| Noncurrent loans to loans | 1.5425% | 804 |
| Net loans and leases to total assets | 65.7691% | 1,823 |
| Net loans and leases to deposits | 73.1837% | 2,197 |
| Net loans and leases to core deposits | 73.7277% | 2,539 |
| Total domestic deposits to total assets | 89.8684% | 884 |
| Equity capital to assets | 9.4410% | 3,251 |
| Core capital (leverage) ratio | 9.2218% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5419% | 991 |
| Memoranda: | ||
| Average total assets | $76,117,000 | 4,368 |
| Average earning assets | $72,568,000 | 4,324 |
| Average equity | $7,146,500 | 4,514 |
| Average total loans | $49,845,000 | 4,106 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 2,840 |
| Cost of funding earning assets | 0.5017% | 2,937 |
| Net interest margin | 3.4629% | 2,586 |
| Noninterest income to average assets | 0.3002% | 3,679 |
| Noninterest expense to average assets | 2.8979% | 1,693 |
| Loan and lease loss provision to assets | 0.0947% | 3,161 |
| Net operating income to assets | 0.5030% | 4,023 |
| Return on assets (ROA) | 0.5030% | 4,107 |
| Pretax return on assets | 0.6044% | 4,073 |
| Return on Equity (ROE) | 6.0783% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.2080% | 2,710 |
| Net charge-offs to loans | 0.0455% | 2,155 |
| Credit loss provision to net charge-offs | 338.0952% | 1,610 |
| Earnings coverage of net charge-offs (x) | 24.9524% | 1,756 |
| Efficiency ratio | 80.5638% | 847 |
| Assets per employee ($millions) | 4.2259% | 4,198 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,413 |
| Loan loss allowance to noncurrent loans | 43.9646% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 735 |
| Noncurrent loans to loans | 1.8359% | 672 |
| Net loans and leases to total assets | 64.1404% | 2,337 |
| Net loans and leases to deposits | 71.1137% | 2,773 |
| Net loans and leases to core deposits | 71.9167% | 3,080 |
| Total domestic deposits to total assets | 90.1940% | 484 |
| Equity capital to assets | 9.3366% | 3,759 |
| Core capital (leverage) ratio | 9.1204% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2773% | 1,195 |
| Memoranda: | ||
| Average total assets | $74,949,800 | 4,310 |
| Average earning assets | $71,357,200 | 4,274 |
| Average equity | $6,202,400 | 4,621 |
| Average total loans | $46,162,800 | 4,183 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,153 |
| Cost of funding earning assets | 0.5310% | 3,043 |
| Net interest margin | 3.4052% | 2,904 |
| Noninterest income to average assets | 0.2928% | 3,731 |
| Noninterest expense to average assets | 2.8658% | 1,787 |
| Loan and lease loss provision to assets | 0.0844% | 3,258 |
| Net operating income to assets | 0.5267% | 3,962 |
| Return on assets (ROA) | 0.5267% | 4,059 |
| Pretax return on assets | 0.5839% | 4,127 |
| Return on Equity (ROE) | 6.5801% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.9741% | 2,571 |
| Net charge-offs to loans | 0.0323% | 2,181 |
| Credit loss provision to net charge-offs | 427.2727% | 1,412 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,487 |
| Efficiency ratio | 81.1016% | 788 |
| Assets per employee ($millions) | 4.0944% | 4,245 |
| Cash dividends to net income (ytd only)* | 24.4068% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,382 |
| Loan loss allowance to noncurrent loans | 54.1726% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 1,262 |
| Noncurrent loans to loans | 1.4542% | 989 |
| Net loans and leases to total assets | 62.0035% | 3,011 |
| Net loans and leases to deposits | 67.6024% | 3,498 |
| Net loans and leases to core deposits | 69.3969% | 3,669 |
| Total domestic deposits to total assets | 91.7179% | 83 |
| Equity capital to assets | 7.8682% | 4,755 |
| Core capital (leverage) ratio | 7.8643% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2587% | 1,743 |
| Memoranda: | ||
| Average total assets | $74,670,750 | 4,320 |
| Average earning assets | $71,065,750 | 4,295 |
| Average equity | $5,977,500 | 4,665 |
| Average total loans | $45,407,000 | 4,220 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,394 |
| Cost of funding earning assets | 0.5570% | 3,196 |
| Net interest margin | 3.4162% | 3,050 |
| Noninterest income to average assets | 0.2906% | 3,725 |
| Noninterest expense to average assets | 2.8603% | 1,943 |
| Loan and lease loss provision to assets | 0.0924% | 3,114 |
| Net operating income to assets | 0.5134% | 3,978 |
| Return on assets (ROA) | 0.5134% | 4,058 |
| Pretax return on assets | 0.5867% | 4,088 |
| Return on Equity (ROE) | 6.3747% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.7557% | 2,584 |
| Net charge-offs to loans | 0.0180% | 2,363 |
| Credit loss provision to net charge-offs | 850.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 937 |
| Efficiency ratio | 80.8135% | 831 |
| Assets per employee ($millions) | 4.2256% | 4,078 |
| Cash dividends to net income (ytd only)* | 25.3968% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 4,287 |
| Loan loss allowance to noncurrent loans | 39.3528% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 843 |
| Noncurrent loans to loans | 2.0860% | 622 |
| Net loans and leases to total assets | 59.8856% | 3,340 |
| Net loans and leases to deposits | 65.3914% | 3,771 |
| Net loans and leases to core deposits | 66.8688% | 3,931 |
| Total domestic deposits to total assets | 91.5803% | 76 |
| Equity capital to assets | 7.9542% | 4,741 |
| Core capital (leverage) ratio | 7.8840% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8957% | 1,519 |
| Memoranda: | ||
| Average total assets | $73,629,667 | 4,343 |
| Average earning assets | $70,020,000 | 4,313 |
| Average equity | $5,929,667 | 4,695 |
| Average total loans | $44,336,667 | 4,249 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,684 |
| Cost of funding earning assets | 0.5936% | 3,469 |
| Net interest margin | 3.4451% | 3,164 |
| Noninterest income to average assets | 0.3149% | 3,631 |
| Noninterest expense to average assets | 2.9552% | 2,001 |
| Loan and lease loss provision to assets | 0.0884% | 2,580 |
| Net operating income to assets | 0.4585% | 3,996 |
| Return on assets (ROA) | 0.4585% | 4,052 |
| Pretax return on assets | 0.5413% | 4,050 |
| Return on Equity (ROE) | 5.6564% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.0208% | 2,672 |
| Net charge-offs to loans | -0.0092% | 4,047 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4345% | 944 |
| Assets per employee ($millions) | 3.9229% | 4,028 |
| Cash dividends to net income (ytd only)* | 28.9157% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,358 |
| Loan loss allowance to noncurrent loans | 36.7677% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 869 |
| Noncurrent loans to loans | 2.2322% | 590 |
| Net loans and leases to total assets | 59.0131% | 3,593 |
| Net loans and leases to deposits | 64.4144% | 3,958 |
| Net loans and leases to core deposits | 65.6517% | 4,100 |
| Total domestic deposits to total assets | 91.6148% | 66 |
| Equity capital to assets | 7.9519% | 4,980 |
| Core capital (leverage) ratio | 7.9744% | 4,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2945% | 1,530 |
| Memoranda: | ||
| Average total assets | $72,414,500 | 4,369 |
| Average earning assets | $68,735,000 | 4,337 |
| Average equity | $5,869,500 | 4,741 |
| Average total loans | $43,542,000 | 4,286 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 4,070 |
| Cost of funding earning assets | 0.5520% | 3,866 |
| Net interest margin | 3.5330% | 3,336 |
| Noninterest income to average assets | 0.2793% | 4,013 |
| Noninterest expense to average assets | 2.9557% | 2,133 |
| Loan and lease loss provision to assets | 0.1469% | 1,459 |
| Net operating income to assets | 0.4610% | 4,486 |
| Return on assets (ROA) | 0.4407% | 4,552 |
| Pretax return on assets | 0.5047% | 4,568 |
| Return on Equity (ROE) | 5.3804% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.4093% | 3,307 |
| Net charge-offs to loans | -0.0053% | 4,357 |
| Credit loss provision to net charge-offs | -5,050.0000% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4103% | 838 |
| Assets per employee ($millions) | 3.6996% | 4,269 |
| Cash dividends to net income (ytd only)* | 36.6337% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,269 |
| Loan loss allowance to noncurrent loans | 45.0649% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 1,116 |
| Noncurrent loans to loans | 1.8018% | 749 |
| Net loans and leases to total assets | 60.3005% | 3,556 |
| Net loans and leases to deposits | 66.0728% | 3,950 |
| Net loans and leases to core deposits | 67.4094% | 4,113 |
| Total domestic deposits to total assets | 91.2637% | 89 |
| Equity capital to assets | 8.2682% | 4,990 |
| Core capital (leverage) ratio | 8.1617% | 4,985 |
| Tier 1 risk-based capital ratio | 15.9021% | 2,441 |
| Total risk-based capital ratio | 16.8739% | 2,472 |
| Memoranda: | ||
| Average total assets | $68,749,600 | 4,447 |
| Average earning assets | $65,213,200 | 4,417 |
| Average equity | $5,631,600 | 4,806 |
| Average total loans | $37,934,800 | 4,453 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 4,332 |
| Cost of funding earning assets | 0.5306% | 4,022 |
| Net interest margin | 3.4859% | 3,604 |
| Noninterest income to average assets | 0.2906% | 3,994 |
| Noninterest expense to average assets | 2.9801% | 2,033 |
| Loan and lease loss provision to assets | 0.1716% | 1,073 |
| Net operating income to assets | 0.4301% | 4,659 |
| Return on assets (ROA) | 0.3998% | 4,750 |
| Pretax return on assets | 0.4135% | 4,793 |
| Return on Equity (ROE) | 4.8927% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.1743% | 3,822 |
| Net charge-offs to loans | -0.0109% | 4,403 |
| Credit loss provision to net charge-offs | -2,933.3333% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8633% | 696 |
| Assets per employee ($millions) | 3.6302% | 4,360 |
| Cash dividends to net income (ytd only)* | 35.1224% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,293 |
| Loan loss allowance to noncurrent loans | 47.6529% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 1,314 |
| Noncurrent loans to loans | 1.7522% | 827 |
| Net loans and leases to total assets | 57.6849% | 3,907 |
| Net loans and leases to deposits | 63.2383% | 4,224 |
| Net loans and leases to core deposits | 64.5432% | 4,344 |
| Total domestic deposits to total assets | 91.2183% | 78 |
| Equity capital to assets | 8.3641% | 5,043 |
| Core capital (leverage) ratio | 8.1153% | 5,085 |
| Tier 1 risk-based capital ratio | 16.2681% | 2,340 |
| Total risk-based capital ratio | 17.2380% | 2,377 |
| Memoranda: | ||
| Average total assets | $68,363,750 | 4,506 |
| Average earning assets | $64,830,750 | 4,476 |
| Average equity | $5,586,500 | 4,878 |
| Average total loans | $36,735,000 | 4,541 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,580 |
| Cost of funding earning assets | 0.4984% | 4,120 |
| Net interest margin | 3.3868% | 3,934 |
| Noninterest income to average assets | 0.2993% | 3,940 |
| Noninterest expense to average assets | 2.9196% | 2,230 |
| Loan and lease loss provision to assets | 0.1673% | 1,085 |
| Net operating income to assets | 0.3631% | 4,784 |
| Return on assets (ROA) | 0.3228% | 4,859 |
| Pretax return on assets | 0.3756% | 4,857 |
| Return on Equity (ROE) | 3.9814% | 4,594 |
| Retained earnings to average equity (ytd only) | 2.2441% | 4,041 |
| Net charge-offs to loans | -0.0281% | 4,659 |
| Credit loss provision to net charge-offs | -1,140.0000% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1940% | 714 |
| Assets per employee ($millions) | 3.6341% | 4,338 |
| Cash dividends to net income (ytd only)* | 43.6364% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,379 |
| Loan loss allowance to noncurrent loans | 39.0805% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 1,186 |
| Noncurrent loans to loans | 2.0916% | 661 |
| Net loans and leases to total assets | 53.7742% | 4,228 |
| Net loans and leases to deposits | 58.9234% | 4,480 |
| Net loans and leases to core deposits | 59.6399% | 4,584 |
| Total domestic deposits to total assets | 91.2612% | 78 |
| Equity capital to assets | 8.2276% | 5,135 |
| Core capital (leverage) ratio | 8.0531% | 5,149 |
| Tier 1 risk-based capital ratio | 16.8951% | 2,117 |
| Total risk-based capital ratio | 17.8269% | 2,160 |
| Memoranda: | ||
| Average total assets | $68,160,670 | 4,548 |
| Average earning assets | $64,604,000 | 4,514 |
| Average equity | $5,525,670 | 4,917 |
| Average total loans | $35,606,000 | 4,604 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,886 |
| Cost of funding earning assets | 0.3802% | 4,574 |
| Net interest margin | 3.2908% | 4,181 |
| Noninterest income to average assets | 0.2658% | 4,100 |
| Noninterest expense to average assets | 3.0125% | 1,958 |
| Loan and lease loss provision to assets | 0.1418% | 1,208 |
| Net operating income to assets | 0.1574% | 5,047 |
| Return on assets (ROA) | 0.0827% | 5,104 |
| Pretax return on assets | 0.1359% | 5,080 |
| Return on Equity (ROE) | 1.0279% | 5,066 |
| Retained earnings to average equity (ytd only) | -0.7342% | 4,619 |
| Net charge-offs to loans | -0.1268% | 5,086 |
| Credit loss provision to net charge-offs | -218.1818% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0052% | 434 |
| Assets per employee ($millions) | 3.7416% | 4,287 |
| Cash dividends to net income (ytd only)* | 171.4286% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,547 |
| Loan loss allowance to noncurrent loans | 27.8721% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 883 |
| Noncurrent loans to loans | 2.8437% | 410 |
| Net loans and leases to total assets | 49.1230% | 4,523 |
| Net loans and leases to deposits | 53.5835% | 4,689 |
| Net loans and leases to core deposits | 54.2124% | 4,778 |
| Total domestic deposits to total assets | 91.6755% | 80 |
| Equity capital to assets | 7.7380% | 5,230 |
| Core capital (leverage) ratio | 8.1042% | 5,181 |
| Tier 1 risk-based capital ratio | 16.9112% | 2,132 |
| Total risk-based capital ratio | 17.7728% | 2,210 |
| Memoranda: | ||
| Average total assets | $67,717,000 | 4,607 |
| Average earning assets | $64,178,000 | 4,579 |
| Average equity | $5,448,000 | 4,975 |
| Average total loans | $34,691,000 | 4,680 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 4,819 |
| Cost of funding earning assets | 0.2383% | 4,860 |
| Net interest margin | 3.3435% | 4,143 |
| Noninterest income to average assets | 0.3200% | 3,966 |
| Noninterest expense to average assets | 3.1401% | 1,699 |
| Loan and lease loss provision to assets | 0.1331% | 1,640 |
| Net operating income to assets | 0.1870% | 5,123 |
| Return on assets (ROA) | 0.1870% | 5,118 |
| Pretax return on assets | 0.2028% | 5,115 |
| Return on Equity (ROE) | 2.2152% | 5,018 |
| Retained earnings to average equity (ytd only) | 0.4130% | 4,873 |
| Net charge-offs to loans | 0.1022% | 1,735 |
| Credit loss provision to net charge-offs | 280.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 7.0667% | 3,017 |
| Efficiency ratio | 90.3373% | 329 |
| Assets per employee ($millions) | 3.5746% | 4,473 |
| Cash dividends to net income (ytd only)* | 81.3559% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 4,773 |
| Loan loss allowance to noncurrent loans | 34.7084% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 1,234 |
| Noncurrent loans to loans | 2.0567% | 651 |
| Net loans and leases to total assets | 52.7439% | 4,372 |
| Net loans and leases to deposits | 57.8123% | 4,584 |
| Net loans and leases to core deposits | 58.0646% | 4,700 |
| Total domestic deposits to total assets | 91.2329% | 159 |
| Equity capital to assets | 8.3848% | 4,999 |
| Core capital (leverage) ratio | 8.6855% | 4,891 |
| Tier 1 risk-based capital ratio | 18.5549% | 1,606 |
| Total risk-based capital ratio | 19.3803% | 1,678 |
| Memoranda: | ||
| Average total assets | $63,118,400 | 4,699 |
| Average earning assets | $59,578,200 | 4,671 |
| Average equity | $5,326,800 | 4,999 |
| Average total loans | $29,362,800 | 4,830 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 4,941 |
| Cost of funding earning assets | 0.2294% | 4,891 |
| Net interest margin | 3.2547% | 4,390 |
| Noninterest income to average assets | 0.3502% | 3,792 |
| Noninterest expense to average assets | 3.1713% | 1,593 |
| Loan and lease loss provision to assets | 0.0870% | 2,232 |
| Net operating income to assets | 0.1634% | 5,219 |
| Return on assets (ROA) | 0.1634% | 5,211 |
| Pretax return on assets | 0.1634% | 5,224 |
| Return on Equity (ROE) | 1.9334% | 5,140 |
| Retained earnings to average equity (ytd only) | 0.1256% | 5,014 |
| Net charge-offs to loans | 0.0379% | 2,322 |
| Credit loss provision to net charge-offs | 512.5000% | 689 |
| Earnings coverage of net charge-offs (x) | 14.7451% | 2,270 |
| Efficiency ratio | 92.6799% | 268 |
| Assets per employee ($millions) | 3.5125% | 4,547 |
| Cash dividends to net income (ytd only)* | 93.5126% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 4,819 |
| Loan loss allowance to noncurrent loans | 32.1326% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 1,310 |
| Noncurrent loans to loans | 2.2601% | 614 |
| Net loans and leases to total assets | 48.2135% | 4,707 |
| Net loans and leases to deposits | 52.6449% | 4,867 |
| Net loans and leases to core deposits | 52.8778% | 4,941 |
| Total domestic deposits to total assets | 91.5824% | 121 |
| Equity capital to assets | 8.2673% | 5,049 |
| Core capital (leverage) ratio | 8.7085% | 4,951 |
| Tier 1 risk-based capital ratio | 19.2678% | 1,480 |
| Total risk-based capital ratio | 20.0536% | 1,559 |
| Memoranda: | ||
| Average total assets | $62,812,250 | 4,752 |
| Average earning assets | $59,276,500 | 4,731 |
| Average equity | $5,309,750 | 5,058 |
| Average total loans | $28,158,250 | 4,918 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 4,993 |
| Cost of funding earning assets | 0.2300% | 4,857 |
| Net interest margin | 3.2062% | 4,485 |
| Noninterest income to average assets | 0.2617% | 4,437 |
| Noninterest expense to average assets | 3.0666% | 1,868 |
| Loan and lease loss provision to assets | 0.1021% | 1,900 |
| Net operating income to assets | 0.1181% | 5,281 |
| Return on assets (ROA) | 0.1181% | 5,273 |
| Pretax return on assets | 0.1181% | 5,285 |
| Return on Equity (ROE) | 1.3865% | 5,234 |
| Retained earnings to average equity (ytd only) | -0.4122% | 5,015 |
| Net charge-offs to loans | 0.1025% | 1,326 |
| Credit loss provision to net charge-offs | 228.5714% | 1,198 |
| Earnings coverage of net charge-offs (x) | 4.9286% | 2,755 |
| Efficiency ratio | 93.3010% | 277 |
| Assets per employee ($millions) | 3.5001% | 4,596 |
| Cash dividends to net income (ytd only)* | 129.7297% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,900 |
| Loan loss allowance to noncurrent loans | 31.1844% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 1,405 |
| Noncurrent loans to loans | 2.3056% | 589 |
| Net loans and leases to total assets | 45.5874% | 4,845 |
| Net loans and leases to deposits | 49.8421% | 4,985 |
| Net loans and leases to core deposits | 50.0628% | 5,042 |
| Total domestic deposits to total assets | 91.4638% | 157 |
| Equity capital to assets | 8.3823% | 5,029 |
| Core capital (leverage) ratio | 8.6901% | 4,965 |
| Tier 1 risk-based capital ratio | 20.2586% | 1,278 |
| Total risk-based capital ratio | 21.0315% | 1,333 |
| Memoranda: | ||
| Average total assets | $62,674,670 | 4,812 |
| Average earning assets | $59,136,000 | 4,791 |
| Average equity | $5,337,330 | 5,105 |
| Average total loans | $27,309,000 | 4,986 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 5,159 |
| Cost of funding earning assets | 0.2372% | 4,784 |
| Net interest margin | 3.0432% | 4,812 |
| Noninterest income to average assets | 0.1920% | 4,871 |
| Noninterest expense to average assets | 3.0971% | 1,834 |
| Loan and lease loss provision to assets | 0.0576% | 2,619 |
| Net operating income to assets | -0.0896% | 5,416 |
| Return on assets (ROA) | -0.0896% | 5,410 |
| Pretax return on assets | -0.0896% | 5,415 |
| Return on Equity (ROE) | -1.0437% | 5,421 |
| Retained earnings to average equity (ytd only) | -2.8329% | 5,070 |
| Net charge-offs to loans | 0.1359% | 993 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | -0.5556% | 2,666 |
| Efficiency ratio | 101.0438% | 167 |
| Assets per employee ($millions) | 3.5432% | 4,619 |
| Cash dividends to net income (ytd only)* | -171.4286% | 5,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 5,028 |
| Loan loss allowance to noncurrent loans | 61.4887% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 2,918 |
| Noncurrent loans to loans | 1.1395% | 1,606 |
| Net loans and leases to total assets | 42.2183% | 4,971 |
| Net loans and leases to deposits | 46.3610% | 5,088 |
| Net loans and leases to core deposits | 46.5638% | 5,139 |
| Total domestic deposits to total assets | 91.0643% | 298 |
| Equity capital to assets | 8.2583% | 5,132 |
| Core capital (leverage) ratio | 8.8264% | 4,869 |
| Tier 1 risk-based capital ratio | 21.1295% | 1,187 |
| Total risk-based capital ratio | 21.8695% | 1,233 |
| Memoranda: | ||
| Average total assets | $62,511,000 | 4,882 |
| Average earning assets | $59,016,500 | 4,852 |
| Average equity | $5,365,500 | 5,154 |
| Average total loans | $26,499,000 | 5,065 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 5,206 |
| Cost of funding earning assets | 0.2418% | 4,630 |
| Net interest margin | 2.9452% | 4,981 |
| Noninterest income to average assets | 0.1757% | 5,081 |
| Noninterest expense to average assets | 2.6753% | 3,213 |
| Loan and lease loss provision to assets | 0.0191% | 3,919 |
| Net operating income to assets | 0.3253% | 4,883 |
| Return on assets (ROA) | 0.3253% | 4,902 |
| Pretax return on assets | 0.2783% | 5,230 |
| Return on Equity (ROE) | 3.4492% | 4,702 |
| Retained earnings to average equity (ytd only) | 1.6785% | 4,293 |
| Net charge-offs to loans | -0.0211% | 4,973 |
| Credit loss provision to net charge-offs | -220.0000% | 4,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9941% | 433 |
| Assets per employee ($millions) | 3.4024% | 4,822 |
| Cash dividends to net income (ytd only)* | 51.3369% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 4,991 |
| Loan loss allowance to noncurrent loans | 72.5191% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 3,155 |
| Noncurrent loans to loans | 1.0123% | 1,756 |
| Net loans and leases to total assets | 41.9502% | 5,069 |
| Net loans and leases to deposits | 46.2369% | 5,183 |
| Net loans and leases to core deposits | 46.4476% | 5,228 |
| Total domestic deposits to total assets | 90.7289% | 329 |
| Equity capital to assets | 8.9217% | 4,797 |
| Core capital (leverage) ratio | 9.5659% | 3,952 |
| Tier 1 risk-based capital ratio | 22.5977% | 951 |
| Total risk-based capital ratio | 23.3837% | 976 |
| Memoranda: | ||
| Average total assets | $57,488,000 | 5,019 |
| Average earning assets | $54,597,200 | 4,982 |
| Average equity | $5,421,600 | 5,197 |
| Average total loans | $23,658,400 | 5,205 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1632% | 5,278 |
| Cost of funding earning assets | 0.2504% | 4,563 |
| Net interest margin | 2.9128% | 5,074 |
| Noninterest income to average assets | 0.1698% | 5,170 |
| Noninterest expense to average assets | 2.5983% | 3,414 |
| Loan and lease loss provision to assets | 0.0118% | 3,904 |
| Net operating income to assets | 0.3136% | 5,195 |
| Return on assets (ROA) | 0.3136% | 5,215 |
| Pretax return on assets | 0.3301% | 5,281 |
| Return on Equity (ROE) | 3.2772% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.5030% | 4,818 |
| Net charge-offs to loans | -0.0519% | 5,175 |
| Credit loss provision to net charge-offs | -55.5556% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3721% | 487 |
| Assets per employee ($millions) | 3.3631% | 4,896 |
| Cash dividends to net income (ytd only)* | 54.1364% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 4,974 |
| Loan loss allowance to noncurrent loans | 70.6767% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 3,174 |
| Noncurrent loans to loans | 1.0911% | 1,768 |
| Net loans and leases to total assets | 42.3109% | 5,101 |
| Net loans and leases to deposits | 47.1466% | 5,220 |
| Net loans and leases to core deposits | 47.3793% | 5,274 |
| Total domestic deposits to total assets | 89.7432% | 561 |
| Equity capital to assets | 9.5851% | 4,358 |
| Core capital (leverage) ratio | 9.7686% | 3,858 |
| Tier 1 risk-based capital ratio | 23.5134% | 895 |
| Total risk-based capital ratio | 24.3270% | 924 |
| Memoranda: | ||
| Average total assets | $56,549,000 | 5,091 |
| Average earning assets | $53,783,500 | 5,054 |
| Average equity | $5,411,000 | 5,259 |
| Average total loans | $23,102,500 | 5,274 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1541% | 5,296 |
| Cost of funding earning assets | 0.3009% | 4,072 |
| Net interest margin | 2.8532% | 5,163 |
| Noninterest income to average assets | 0.1633% | 5,239 |
| Noninterest expense to average assets | 2.4352% | 3,952 |
| Loan and lease loss provision to assets | 0.0106% | 3,730 |
| Net operating income to assets | 0.4189% | 4,936 |
| Return on assets (ROA) | 0.4189% | 4,964 |
| Pretax return on assets | 0.4437% | 5,094 |
| Return on Equity (ROE) | 4.3801% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.5984% | 4,143 |
| Net charge-offs to loans | -0.0794% | 5,340 |
| Credit loss provision to net charge-offs | -33.3333% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2752% | 824 |
| Assets per employee ($millions) | 4.7086% | 2,776 |
| Cash dividends to net income (ytd only)* | 40.6780% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 4,961 |
| Loan loss allowance to noncurrent loans | 88.1517% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 3,625 |
| Noncurrent loans to loans | 0.9043% | 2,169 |
| Net loans and leases to total assets | 40.9660% | 5,190 |
| Net loans and leases to deposits | 45.5587% | 5,296 |
| Net loans and leases to core deposits | 45.7849% | 5,344 |
| Total domestic deposits to total assets | 89.9191% | 563 |
| Equity capital to assets | 9.7110% | 4,218 |
| Core capital (leverage) ratio | 9.6818% | 3,912 |
| Tier 1 risk-based capital ratio | 24.8675% | 763 |
| Total risk-based capital ratio | 25.7176% | 785 |
| Memoranda: | ||
| Average total assets | $56,341,330 | 5,126 |
| Average earning assets | $53,835,000 | 5,088 |
| Average equity | $5,388,000 | 5,297 |
| Average total loans | $22,677,330 | 5,332 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9987% | 5,458 |
| Cost of funding earning assets | 0.2449% | 4,579 |
| Net interest margin | 2.7538% | 5,323 |
| Noninterest income to average assets | 0.1351% | 5,438 |
| Noninterest expense to average assets | 2.3889% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3342% | 5,119 |
| Return on assets (ROA) | 0.3342% | 5,142 |
| Pretax return on assets | 0.3839% | 5,188 |
| Return on Equity (ROE) | 3.5216% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.7233% | 4,421 |
| Net charge-offs to loans | -0.0179% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1538% | 795 |
| Assets per employee ($millions) | 4.7759% | 2,738 |
| Cash dividends to net income (ytd only)* | 51.0638% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 5,145 |
| Loan loss allowance to noncurrent loans | 43.5323% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 2,536 |
| Noncurrent loans to loans | 1.7701% | 1,070 |
| Net loans and leases to total assets | 39.3205% | 5,276 |
| Net loans and leases to deposits | 43.7615% | 5,368 |
| Net loans and leases to core deposits | 43.7615% | 5,418 |
| Total domestic deposits to total assets | 89.8519% | 723 |
| Equity capital to assets | 9.3804% | 4,414 |
| Core capital (leverage) ratio | 9.8503% | 3,689 |
| Tier 1 risk-based capital ratio | 25.1903% | 758 |
| Total risk-based capital ratio | 26.0074% | 781 |
| Memoranda: | ||
| Average total assets | $56,260,500 | 5,187 |
| Average earning assets | $53,889,500 | 5,141 |
| Average equity | $5,338,500 | 5,352 |
| Average total loans | $22,349,500 | 5,397 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1086% | 5,393 |
| Cost of funding earning assets | 0.2378% | 4,675 |
| Net interest margin | 2.8708% | 5,183 |
| Noninterest income to average assets | 0.2373% | 4,997 |
| Noninterest expense to average assets | 2.3420% | 4,444 |
| Loan and lease loss provision to assets | 0.0347% | 3,666 |
| Net operating income to assets | 0.5221% | 4,542 |
| Return on assets (ROA) | 0.5221% | 4,629 |
| Pretax return on assets | 0.6151% | 4,743 |
| Return on Equity (ROE) | 5.3028% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.2447% | 3,598 |
| Net charge-offs to loans | 0.0139% | 3,818 |
| Credit loss provision to net charge-offs | 633.3333% | 539 |
| Earnings coverage of net charge-offs (x) | 118.6667% | 509 |
| Efficiency ratio | 78.2794% | 1,656 |
| Assets per employee ($millions) | 4.6008% | 2,957 |
| Cash dividends to net income (ytd only)* | 38.8112% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 5,130 |
| Loan loss allowance to noncurrent loans | 41.6268% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 2,470 |
| Noncurrent loans to loans | 1.9010% | 972 |
| Net loans and leases to total assets | 39.5128% | 5,334 |
| Net loans and leases to deposits | 43.9172% | 5,435 |
| Net loans and leases to core deposits | 44.1599% | 5,482 |
| Total domestic deposits to total assets | 89.9710% | 639 |
| Equity capital to assets | 9.6015% | 4,167 |
| Core capital (leverage) ratio | 9.9173% | 3,604 |
| Tier 1 risk-based capital ratio | 26.2756% | 675 |
| Total risk-based capital ratio | 27.1269% | 688 |
| Memoranda: | ||
| Average total assets | $54,783,400 | 5,250 |
| Average earning assets | $52,563,400 | 5,194 |
| Average equity | $5,393,400 | 5,392 |
| Average total loans | $21,578,000 | 5,462 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0882% | 5,480 |
| Cost of funding earning assets | 0.2364% | 4,738 |
| Net interest margin | 2.8518% | 5,261 |
| Noninterest income to average assets | 0.2512% | 4,964 |
| Noninterest expense to average assets | 2.3849% | 4,323 |
| Loan and lease loss provision to assets | 0.0415% | 3,404 |
| Net operating income to assets | 0.5121% | 4,654 |
| Return on assets (ROA) | 0.5121% | 4,753 |
| Pretax return on assets | 0.5609% | 4,972 |
| Return on Equity (ROE) | 5.1692% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.3970% | 3,863 |
| Net charge-offs to loans | 0.0248% | 3,171 |
| Credit loss provision to net charge-offs | 425.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 61.7880% | 935 |
| Efficiency ratio | 79.8367% | 1,456 |
| Assets per employee ($millions) | 4.1995% | 3,591 |
| Cash dividends to net income (ytd only)* | 34.2869% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7624% | 5,298 |
| Loan loss allowance to noncurrent loans | 29.4320% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0642% | 1,935 |
| Noncurrent loans to loans | 2.5905% | 659 |
| Net loans and leases to total assets | 40.7690% | 5,344 |
| Net loans and leases to deposits | 45.8114% | 5,459 |
| Net loans and leases to core deposits | 46.0693% | 5,510 |
| Total domestic deposits to total assets | 88.9931% | 912 |
| Equity capital to assets | 10.1075% | 4,032 |
| Core capital (leverage) ratio | 9.8504% | 3,749 |
| Tier 1 risk-based capital ratio | 25.3807% | 774 |
| Total risk-based capital ratio | 26.1943% | 803 |
| Memoranda: | ||
| Average total assets | $54,676,750 | 5,298 |
| Average earning assets | $52,456,750 | 5,242 |
| Average equity | $5,416,500 | 5,443 |
| Average total loans | $21,475,250 | 5,515 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0833% | 5,564 |
| Cost of funding earning assets | 0.2363% | 4,788 |
| Net interest margin | 2.8470% | 5,351 |
| Noninterest income to average assets | 0.2925% | 4,693 |
| Noninterest expense to average assets | 2.4203% | 4,270 |
| Loan and lease loss provision to assets | 0.0585% | 2,972 |
| Net operating income to assets | 0.4716% | 4,790 |
| Return on assets (ROA) | 0.4716% | 4,886 |
| Pretax return on assets | 0.5447% | 5,038 |
| Return on Equity (ROE) | 4.7932% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.0097% | 4,002 |
| Net charge-offs to loans | -0.0473% | 5,342 |
| Credit loss provision to net charge-offs | -320.0000% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0484% | 1,490 |
| Assets per employee ($millions) | 4.4846% | 3,060 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 5,164 |
| Loan loss allowance to noncurrent loans | 16.0827% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0682% | 774 |
| Noncurrent loans to loans | 5.2185% | 163 |
| Net loans and leases to total assets | 39.2995% | 5,455 |
| Net loans and leases to deposits | 44.2651% | 5,550 |
| Net loans and leases to core deposits | 44.5177% | 5,611 |
| Total domestic deposits to total assets | 88.7819% | 1,022 |
| Equity capital to assets | 10.2388% | 3,925 |
| Core capital (leverage) ratio | 9.6922% | 3,938 |
| Tier 1 risk-based capital ratio | 24.0970% | 895 |
| Total risk-based capital ratio | 24.9144% | 917 |
| Memoranda: | ||
| Average total assets | $54,704,670 | 5,352 |
| Average earning assets | $52,476,670 | 5,303 |
| Average equity | $5,382,670 | 5,504 |
| Average total loans | $21,157,670 | 5,590 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 5,485 |
| Cost of funding earning assets | 0.2343% | 4,864 |
| Net interest margin | 2.9625% | 5,197 |
| Noninterest income to average assets | 0.4497% | 3,487 |
| Noninterest expense to average assets | 2.4370% | 4,268 |
| Loan and lease loss provision to assets | 0.0653% | 2,652 |
| Net operating income to assets | 0.6528% | 3,966 |
| Return on assets (ROA) | 0.6528% | 4,084 |
| Pretax return on assets | 0.7906% | 4,224 |
| Return on Equity (ROE) | 6.7682% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.9633% | 2,968 |
| Net charge-offs to loans | -0.2468% | 5,892 |
| Credit loss provision to net charge-offs | -69.2308% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0088% | 2,472 |
| Assets per employee ($millions) | 4.5199% | 3,033 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 5,261 |
| Loan loss allowance to noncurrent loans | 21.9512% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 1,346 |
| Noncurrent loans to loans | 3.8182% | 326 |
| Net loans and leases to total assets | 39.2633% | 5,497 |
| Net loans and leases to deposits | 44.1158% | 5,586 |
| Net loans and leases to core deposits | 44.3630% | 5,649 |
| Total domestic deposits to total assets | 89.0005% | 1,099 |
| Equity capital to assets | 9.9947% | 4,091 |
| Core capital (leverage) ratio | 9.5850% | 4,054 |
| Tier 1 risk-based capital ratio | 24.8759% | 827 |
| Total risk-based capital ratio | 25.7268% | 850 |
| Memoranda: | ||
| Average total assets | $55,149,500 | 5,399 |
| Average earning assets | $52,927,500 | 5,342 |
| Average equity | $5,319,000 | 5,553 |
| Average total loans | $21,072,500 | 5,644 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 5,794 |
| Cost of funding earning assets | 0.2890% | 4,378 |
| Net interest margin | 2.6422% | 5,717 |
| Noninterest income to average assets | 0.1899% | 5,456 |
| Noninterest expense to average assets | 2.3768% | 4,572 |
| Loan and lease loss provision to assets | 0.1296% | 1,852 |
| Net operating income to assets | 0.2325% | 5,511 |
| Return on assets (ROA) | 0.2396% | 5,566 |
| Pretax return on assets | 0.2219% | 5,661 |
| Return on Equity (ROE) | 2.6221% | 5,419 |
| Retained earnings to average equity (ytd only) | 0.7769% | 5,211 |
| Net charge-offs to loans | 0.2576% | 1,174 |
| Credit loss provision to net charge-offs | 148.9796% | 1,785 |
| Earnings coverage of net charge-offs (x) | 3.9592% | 3,630 |
| Efficiency ratio | 87.3451% | 884 |
| Assets per employee ($millions) | 4.6717% | 2,774 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 5,501 |
| Loan loss allowance to noncurrent loans | 20.8169% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3539% | 1,554 |
| Noncurrent loans to loans | 3.6722% | 357 |
| Net loans and leases to total assets | 36.5876% | 5,689 |
| Net loans and leases to deposits | 40.7506% | 5,747 |
| Net loans and leases to core deposits | 40.9687% | 5,795 |
| Total domestic deposits to total assets | 89.7842% | 723 |
| Equity capital to assets | 9.3061% | 4,784 |
| Core capital (leverage) ratio | 9.3107% | 4,457 |
| Tier 1 risk-based capital ratio | 24.4253% | 869 |
| Total risk-based capital ratio | 25.1681% | 923 |
| Memoranda: | ||
| Average total assets | $56,335,600 | 5,399 |
| Average earning assets | $53,970,200 | 5,344 |
| Average equity | $5,148,600 | 5,620 |
| Average total loans | $19,020,000 | 5,759 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9134% | 5,878 |
| Cost of funding earning assets | 0.2987% | 4,354 |
| Net interest margin | 2.6146% | 5,820 |
| Noninterest income to average assets | 0.2057% | 5,416 |
| Noninterest expense to average assets | 2.3260% | 4,718 |
| Loan and lease loss provision to assets | 0.1347% | 1,668 |
| Net operating income to assets | 0.2718% | 5,529 |
| Return on assets (ROA) | 0.2789% | 5,590 |
| Pretax return on assets | 0.2553% | 5,713 |
| Return on Equity (ROE) | 3.0660% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.1952% | 5,241 |
| Net charge-offs to loans | 0.1935% | 1,318 |
| Credit loss provision to net charge-offs | 211.1111% | 1,285 |
| Earnings coverage of net charge-offs (x) | 5.9997% | 3,120 |
| Efficiency ratio | 85.8639% | 1,012 |
| Assets per employee ($millions) | 4.5293% | 2,952 |
| Cash dividends to net income (ytd only)* | 61.0182% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 5,412 |
| Loan loss allowance to noncurrent loans | 26.4943% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 2,093 |
| Noncurrent loans to loans | 3.1654% | 532 |
| Net loans and leases to total assets | 35.6767% | 5,795 |
| Net loans and leases to deposits | 39.6042% | 5,881 |
| Net loans and leases to core deposits | 39.8213% | 5,922 |
| Total domestic deposits to total assets | 90.0832% | 541 |
| Equity capital to assets | 9.5985% | 4,639 |
| Core capital (leverage) ratio | 9.2612% | 4,642 |
| Tier 1 risk-based capital ratio | 25.6700% | 800 |
| Total risk-based capital ratio | 26.4794% | 817 |
| Memoranda: | ||
| Average total assets | $56,404,500 | 5,468 |
| Average earning assets | $54,002,500 | 5,408 |
| Average equity | $5,131,500 | 5,696 |
| Average total loans | $18,607,750 | 5,848 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7986% | 6,018 |
| Cost of funding earning assets | 0.3114% | 4,264 |
| Net interest margin | 2.4873% | 5,974 |
| Noninterest income to average assets | 0.2172% | 5,397 |
| Noninterest expense to average assets | 2.1756% | 5,171 |
| Loan and lease loss provision to assets | 0.1717% | 1,216 |
| Net operating income to assets | 0.2838% | 5,486 |
| Return on assets (ROA) | 0.2838% | 5,572 |
| Pretax return on assets | 0.2487% | 5,741 |
| Return on Equity (ROE) | 3.1746% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.3325% | 5,016 |
| Net charge-offs to loans | 0.4373% | 586 |
| Credit loss provision to net charge-offs | 122.5000% | 1,771 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,258 |
| Efficiency ratio | 83.8057% | 1,282 |
| Assets per employee ($millions) | 4.5158% | 2,958 |
| Cash dividends to net income (ytd only)* | 58.0247% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 5,671 |
| Loan loss allowance to noncurrent loans | 15.9598% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 1.9118% | 1,183 |
| Noncurrent loans to loans | 4.8149% | 251 |
| Net loans and leases to total assets | 34.0764% | 5,903 |
| Net loans and leases to deposits | 37.7659% | 5,983 |
| Net loans and leases to core deposits | 37.9717% | 6,025 |
| Total domestic deposits to total assets | 90.2307% | 567 |
| Equity capital to assets | 9.2471% | 4,960 |
| Core capital (leverage) ratio | 9.0876% | 4,840 |
| Tier 1 risk-based capital ratio | 25.7954% | 796 |
| Total risk-based capital ratio | 26.5063% | 826 |
| Memoranda: | ||
| Average total assets | $57,088,670 | 5,513 |
| Average earning assets | $54,598,330 | 5,449 |
| Average equity | $5,103,000 | 5,757 |
| Average total loans | $18,292,000 | 5,916 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6495% | 6,151 |
| Cost of funding earning assets | 0.2714% | 4,770 |
| Net interest margin | 2.3781% | 6,110 |
| Noninterest income to average assets | 0.1503% | 5,838 |
| Noninterest expense to average assets | 2.1319% | 5,316 |
| Loan and lease loss provision to assets | 0.1162% | 1,777 |
| Net operating income to assets | 0.2460% | 5,575 |
| Return on assets (ROA) | 0.2460% | 5,664 |
| Pretax return on assets | 0.1777% | 5,854 |
| Return on Equity (ROE) | 2.7967% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.0099% | 5,068 |
| Net charge-offs to loans | 0.0441% | 2,362 |
| Credit loss provision to net charge-offs | 850.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,376 |
| Efficiency ratio | 87.8873% | 1,024 |
| Assets per employee ($millions) | 5.7812% | 1,566 |
| Cash dividends to net income (ytd only)* | 63.8889% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 5,653 |
| Loan loss allowance to noncurrent loans | 17.2454% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 1.9650% | 1,221 |
| Noncurrent loans to loans | 4.7397% | 303 |
| Net loans and leases to total assets | 31.2738% | 6,024 |
| Net loans and leases to deposits | 34.6420% | 6,107 |
| Net loans and leases to core deposits | 35.1566% | 6,120 |
| Total domestic deposits to total assets | 90.2771% | 617 |
| Equity capital to assets | 9.0258% | 5,254 |
| Core capital (leverage) ratio | 8.7392% | 5,278 |
| Tier 1 risk-based capital ratio | 25.1203% | 877 |
| Total risk-based capital ratio | 25.8516% | 911 |
| Memoranda: | ||
| Average total assets | $58,538,000 | 5,529 |
| Average earning assets | $56,011,500 | 5,464 |
| Average equity | $5,149,000 | 5,794 |
| Average total loans | $18,133,500 | 5,970 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7939% | 6,209 |
| Cost of funding earning assets | 0.3800% | 3,909 |
| Net interest margin | 2.4139% | 6,219 |
| Noninterest income to average assets | 0.1315% | 6,034 |
| Noninterest expense to average assets | 1.9776% | 5,808 |
| Loan and lease loss provision to assets | 0.1140% | 2,272 |
| Net operating income to assets | 0.3436% | 5,396 |
| Return on assets (ROA) | 0.3436% | 5,464 |
| Pretax return on assets | 0.3454% | 5,615 |
| Return on Equity (ROE) | 5.0904% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.9607% | 4,141 |
| Net charge-offs to loans | 0.2849% | 1,525 |
| Credit loss provision to net charge-offs | 130.0000% | 1,834 |
| Earnings coverage of net charge-offs (x) | 5.2400% | 3,476 |
| Efficiency ratio | 81.1511% | 1,754 |
| Assets per employee ($millions) | 4.9387% | 2,400 |
| Cash dividends to net income (ytd only)* | 41.8367% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 5,898 |
| Loan loss allowance to noncurrent loans | 18.3311% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 1,581 |
| Noncurrent loans to loans | 4.0526% | 447 |
| Net loans and leases to total assets | 30.2106% | 6,168 |
| Net loans and leases to deposits | 33.1200% | 6,235 |
| Net loans and leases to core deposits | 33.5941% | 6,248 |
| Total domestic deposits to total assets | 91.2156% | 296 |
| Equity capital to assets | 8.5718% | 5,668 |
| Core capital (leverage) ratio | 9.0012% | 5,004 |
| Tier 1 risk-based capital ratio | 27.0707% | 680 |
| Total risk-based capital ratio | 27.7746% | 703 |
| Memoranda: | ||
| Average total assets | $57,039,800 | 5,625 |
| Average earning assets | $54,475,600 | 5,559 |
| Average equity | $3,850,400 | 6,120 |
| Average total loans | $17,551,400 | 6,062 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8131% | 6,271 |
| Cost of funding earning assets | 0.3835% | 3,976 |
| Net interest margin | 2.4296% | 6,277 |
| Noninterest income to average assets | 0.1369% | 6,089 |
| Noninterest expense to average assets | 2.0017% | 5,771 |
| Loan and lease loss provision to assets | 0.0567% | 3,240 |
| Net operating income to assets | 0.3942% | 5,266 |
| Return on assets (ROA) | 0.3942% | 5,348 |
| Pretax return on assets | 0.3966% | 5,584 |
| Return on Equity (ROE) | 6.2845% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.1394% | 3,709 |
| Net charge-offs to loans | 0.1147% | 2,654 |
| Credit loss provision to net charge-offs | 160.0000% | 1,511 |
| Earnings coverage of net charge-offs (x) | 12.7995% | 2,284 |
| Efficiency ratio | 81.5385% | 1,671 |
| Assets per employee ($millions) | 5.2730% | 1,930 |
| Cash dividends to net income (ytd only)* | 34.1328% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 6,063 |
| Loan loss allowance to noncurrent loans | 10.8936% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 2.2533% | 1,215 |
| Noncurrent loans to loans | 6.6085% | 189 |
| Net loans and leases to total assets | 30.4329% | 6,236 |
| Net loans and leases to deposits | 33.3233% | 6,317 |
| Net loans and leases to core deposits | 33.8096% | 6,326 |
| Total domestic deposits to total assets | 91.3263% | 273 |
| Equity capital to assets | 8.3220% | 5,923 |
| Core capital (leverage) ratio | 8.9016% | 5,195 |
| Tier 1 risk-based capital ratio | 26.5646% | 744 |
| Total risk-based capital ratio | 27.2406% | 766 |
| Memoranda: | ||
| Average total assets | $56,483,750 | 5,702 |
| Average earning assets | $53,889,500 | 5,637 |
| Average equity | $3,543,000 | 6,237 |
| Average total loans | $17,429,750 | 6,130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8778% | 6,275 |
| Cost of funding earning assets | 0.4015% | 3,853 |
| Net interest margin | 2.4763% | 6,302 |
| Noninterest income to average assets | 0.1429% | 6,106 |
| Noninterest expense to average assets | 2.0115% | 5,824 |
| Loan and lease loss provision to assets | 0.0286% | 3,705 |
| Net operating income to assets | 0.4573% | 4,986 |
| Return on assets (ROA) | 0.4573% | 5,059 |
| Pretax return on assets | 0.4609% | 5,390 |
| Return on Equity (ROE) | 8.2183% | 2,976 |
| Retained earnings to average equity (ytd only) | 5.9711% | 2,340 |
| Net charge-offs to loans | 0.1848% | 1,918 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 8.5625% | 2,474 |
| Efficiency ratio | 80.4286% | 1,957 |
| Assets per employee ($millions) | 5.1402% | 2,037 |
| Cash dividends to net income (ytd only)* | 27.3438% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 6,275 |
| Loan loss allowance to noncurrent loans | 10.6731% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 2.0728% | 1,519 |
| Noncurrent loans to loans | 5.8950% | 276 |
| Net loans and leases to total assets | 31.0053% | 6,276 |
| Net loans and leases to deposits | 33.1518% | 6,362 |
| Net loans and leases to core deposits | 33.6358% | 6,381 |
| Total domestic deposits to total assets | 93.5252% | 64 |
| Equity capital to assets | 6.1724% | 6,518 |
| Core capital (leverage) ratio | 6.6630% | 6,480 |
| Tier 1 risk-based capital ratio | 19.8861% | 1,711 |
| Total risk-based capital ratio | 20.4769% | 1,832 |
| Memoranda: | ||
| Average total assets | $55,977,330 | 5,759 |
| Average earning assets | $53,304,330 | 5,704 |
| Average equity | $3,115,000 | 6,368 |
| Average total loans | $17,313,000 | 6,184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7724% | 6,416 |
| Cost of funding earning assets | 0.3777% | 4,221 |
| Net interest margin | 2.3947% | 6,424 |
| Noninterest income to average assets | 0.1221% | 6,239 |
| Noninterest expense to average assets | 2.0397% | 5,802 |
| Loan and lease loss provision to assets | 0.0072% | 3,726 |
| Net operating income to assets | 0.3519% | 5,305 |
| Return on assets (ROA) | 0.3519% | 5,361 |
| Pretax return on assets | 0.3519% | 5,589 |
| Return on Equity (ROE) | 6.6951% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.3723% | 3,503 |
| Net charge-offs to loans | 0.3266% | 1,087 |
| Credit loss provision to net charge-offs | 7.1429% | 2,631 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,664 |
| Efficiency ratio | 85.0299% | 1,540 |
| Assets per employee ($millions) | 5.0717% | 2,159 |
| Cash dividends to net income (ytd only)* | 34.6939% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 6,381 |
| Loan loss allowance to noncurrent loans | 9.8239% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 2.1707% | 1,532 |
| Noncurrent loans to loans | 6.3015% | 274 |
| Net loans and leases to total assets | 30.5024% | 6,332 |
| Net loans and leases to deposits | 32.5884% | 6,413 |
| Net loans and leases to core deposits | 33.0690% | 6,431 |
| Total domestic deposits to total assets | 93.5991% | 75 |
| Equity capital to assets | 5.6266% | 6,598 |
| Core capital (leverage) ratio | 6.2225% | 6,560 |
| Tier 1 risk-based capital ratio | 18.5492% | 2,107 |
| Total risk-based capital ratio | 19.1150% | 2,326 |
| Memoranda: | ||
| Average total assets | $55,695,000 | 5,824 |
| Average earning assets | $52,950,000 | 5,763 |
| Average equity | $2,927,500 | 6,463 |
| Average total loans | $17,148,500 | 6,250 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 6,207 |
| Cost of funding earning assets | 0.5463% | 3,143 |
| Net interest margin | 2.5871% | 6,277 |
| Noninterest income to average assets | 0.1326% | 6,269 |
| Noninterest expense to average assets | 2.0386% | 5,948 |
| Loan and lease loss provision to assets | 0.0711% | 3,699 |
| Net operating income to assets | 0.4900% | 4,774 |
| Return on assets (ROA) | 0.4900% | 4,917 |
| Pretax return on assets | 0.4976% | 5,210 |
| Return on Equity (ROE) | 8.1444% | 2,959 |
| Retained earnings to average equity (ytd only) | 5.8767% | 2,051 |
| Net charge-offs to loans | 0.1414% | 3,394 |
| Credit loss provision to net charge-offs | 154.1667% | 1,501 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 2,131 |
| Efficiency ratio | 78.1872% | 2,441 |
| Assets per employee ($millions) | 5.0546% | 2,124 |
| Cash dividends to net income (ytd only)* | 27.8431% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 6,355 |
| Loan loss allowance to noncurrent loans | 20.1354% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 2,816 |
| Noncurrent loans to loans | 3.4412% | 926 |
| Net loans and leases to total assets | 30.6739% | 6,434 |
| Net loans and leases to deposits | 32.3287% | 6,525 |
| Net loans and leases to core deposits | 32.8000% | 6,540 |
| Total domestic deposits to total assets | 94.8814% | 52 |
| Equity capital to assets | 4.8848% | 6,696 |
| Core capital (leverage) ratio | 6.3399% | 6,617 |
| Tier 1 risk-based capital ratio | 16.3261% | 2,950 |
| Total risk-based capital ratio | 16.9163% | 3,225 |
| Memoranda: | ||
| Average total assets | $52,045,800 | 5,965 |
| Average earning assets | $49,786,000 | 5,898 |
| Average equity | $3,131,000 | 6,512 |
| Average total loans | $16,977,600 | 6,322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2081% | 6,186 |
| Cost of funding earning assets | 0.5546% | 3,218 |
| Net interest margin | 2.6535% | 6,245 |
| Noninterest income to average assets | 0.1329% | 6,358 |
| Noninterest expense to average assets | 2.0929% | 5,843 |
| Loan and lease loss provision to assets | 0.0808% | 3,446 |
| Net operating income to assets | 0.4926% | 4,830 |
| Return on assets (ROA) | 0.4926% | 4,990 |
| Pretax return on assets | 0.5030% | 5,347 |
| Return on Equity (ROE) | 7.7901% | 3,235 |
| Retained earnings to average equity (ytd only) | 5.6057% | 2,655 |
| Net charge-offs to loans | 0.0315% | 4,504 |
| Credit loss provision to net charge-offs | 775.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 56.0338% | 797 |
| Efficiency ratio | 78.1889% | 2,392 |
| Assets per employee ($millions) | 4.7308% | 2,535 |
| Cash dividends to net income (ytd only)* | 28.0408% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 6,369 |
| Loan loss allowance to noncurrent loans | 32.5183% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 3,574 |
| Noncurrent loans to loans | 2.3075% | 1,898 |
| Net loans and leases to total assets | 33.8054% | 6,368 |
| Net loans and leases to deposits | 36.0005% | 6,509 |
| Net loans and leases to core deposits | 36.7595% | 6,541 |
| Total domestic deposits to total assets | 93.9026% | 76 |
| Equity capital to assets | 5.4805% | 6,738 |
| Core capital (leverage) ratio | 6.5011% | 6,667 |
| Tier 1 risk-based capital ratio | 17.2730% | 2,597 |
| Total risk-based capital ratio | 17.9612% | 2,809 |
| Memoranda: | ||
| Average total assets | $51,157,000 | 6,055 |
| Average earning assets | $49,040,750 | 5,984 |
| Average equity | $3,234,750 | 6,561 |
| Average total loans | $16,928,500 | 6,393 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 6,353 |
| Cost of funding earning assets | 0.5684% | 3,233 |
| Net interest margin | 2.5188% | 6,426 |
| Noninterest income to average assets | 0.1298% | 6,405 |
| Noninterest expense to average assets | 2.0644% | 5,933 |
| Loan and lease loss provision to assets | 0.0590% | 3,825 |
| Net operating income to assets | 0.4168% | 5,154 |
| Return on assets (ROA) | 0.4168% | 5,310 |
| Pretax return on assets | 0.4286% | 5,580 |
| Return on Equity (ROE) | 6.3052% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.2233% | 3,606 |
| Net charge-offs to loans | 0.0840% | 3,529 |
| Credit loss provision to net charge-offs | 214.2857% | 1,128 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,590 |
| Efficiency ratio | 80.8937% | 2,037 |
| Assets per employee ($millions) | 4.6839% | 2,538 |
| Cash dividends to net income (ytd only)* | 33.0189% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 6,554 |
| Loan loss allowance to noncurrent loans | 36.8932% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 4,106 |
| Noncurrent loans to loans | 1.7772% | 2,663 |
| Net loans and leases to total assets | 33.5248% | 6,437 |
| Net loans and leases to deposits | 35.6321% | 6,567 |
| Net loans and leases to core deposits | 36.3887% | 6,591 |
| Total domestic deposits to total assets | 94.0861% | 57 |
| Equity capital to assets | 5.6111% | 6,779 |
| Core capital (leverage) ratio | 6.5402% | 6,695 |
| Tier 1 risk-based capital ratio | 17.9291% | 2,334 |
| Total risk-based capital ratio | 18.5433% | 2,564 |
| Memoranda: | ||
| Average total assets | $50,863,000 | 6,105 |
| Average earning assets | $48,913,000 | 6,023 |
| Average equity | $3,362,330 | 6,587 |
| Average total loans | $16,663,000 | 6,443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0155% | 6,500 |
| Cost of funding earning assets | 0.5752% | 3,330 |
| Net interest margin | 2.4403% | 6,563 |
| Noninterest income to average assets | 0.1108% | 6,537 |
| Noninterest expense to average assets | 2.0501% | 6,007 |
| Loan and lease loss provision to assets | 0.0237% | 4,169 |
| Net operating income to assets | 0.3641% | 5,288 |
| Return on assets (ROA) | 0.3641% | 5,424 |
| Pretax return on assets | 0.3879% | 5,604 |
| Return on Equity (ROE) | 5.1140% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.1128% | 4,406 |
| Net charge-offs to loans | 0.0245% | 3,687 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 655 |
| Efficiency ratio | 83.2797% | 1,858 |
| Assets per employee ($millions) | 4.6353% | 2,750 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 6,649 |
| Loan loss allowance to noncurrent loans | 33.9623% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 4,179 |
| Noncurrent loans to loans | 1.9136% | 2,717 |
| Net loans and leases to total assets | 32.3802% | 6,499 |
| Net loans and leases to deposits | 35.1292% | 6,600 |
| Net loans and leases to core deposits | 35.7027% | 6,630 |
| Total domestic deposits to total assets | 92.1746% | 219 |
| Equity capital to assets | 6.9977% | 6,714 |
| Core capital (leverage) ratio | 7.1527% | 6,596 |
| Tier 1 risk-based capital ratio | 20.7017% | 1,615 |
| Total risk-based capital ratio | 21.3290% | 1,720 |
| Memoranda: | ||
| Average total assets | $50,533,000 | 6,173 |
| Average earning assets | $48,682,500 | 6,078 |
| Average equity | $3,598,000 | 6,612 |
| Average total loans | $16,301,000 | 6,520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4037% | 6,483 |
| Cost of funding earning assets | 0.7324% | 3,230 |
| Net interest margin | 2.6713% | 6,560 |
| Noninterest income to average assets | 0.1616% | 6,226 |
| Noninterest expense to average assets | 2.1446% | 6,038 |
| Loan and lease loss provision to assets | 0.0865% | 4,617 |
| Net operating income to assets | 0.4781% | 4,768 |
| Return on assets (ROA) | 0.4781% | 5,019 |
| Pretax return on assets | 0.4963% | 5,291 |
| Return on Equity (ROE) | 5.8685% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.0800% | 3,345 |
| Net charge-offs to loans | 0.0639% | 5,051 |
| Credit loss provision to net charge-offs | 380.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,128 |
| Efficiency ratio | 78.6311% | 2,336 |
| Assets per employee ($millions) | 4.5525% | 2,877 |
| Cash dividends to net income (ytd only)* | 30.4762% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 6,682 |
| Loan loss allowance to noncurrent loans | 37.8571% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 4,375 |
| Noncurrent loans to loans | 1.7518% | 2,984 |
| Net loans and leases to total assets | 31.7065% | 6,640 |
| Net loans and leases to deposits | 34.3479% | 6,732 |
| Net loans and leases to core deposits | 34.9174% | 6,749 |
| Total domestic deposits to total assets | 92.3100% | 194 |
| Equity capital to assets | 7.2447% | 6,707 |
| Core capital (leverage) ratio | 8.0901% | 6,103 |
| Tier 1 risk-based capital ratio | 21.1332% | 1,427 |
| Total risk-based capital ratio | 21.7667% | 1,530 |
| Memoranda: | ||
| Average total assets | $43,924,600 | 6,377 |
| Average earning assets | $42,189,200 | 6,303 |
| Average equity | $3,578,400 | 6,671 |
| Average total loans | $15,656,000 | 6,622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 6,484 |
| Cost of funding earning assets | 0.7670% | 3,220 |
| Net interest margin | 2.7567% | 6,570 |
| Noninterest income to average assets | 0.1699% | 6,286 |
| Noninterest expense to average assets | 2.1705% | 6,016 |
| Loan and lease loss provision to assets | 0.0849% | 4,548 |
| Net operating income to assets | 0.5347% | 4,683 |
| Return on assets (ROA) | 0.5347% | 4,955 |
| Pretax return on assets | 0.5599% | 5,278 |
| Return on Equity (ROE) | 6.3561% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.5614% | 3,691 |
| Net charge-offs to loans | 0.0257% | 5,310 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 68.3325% | 594 |
| Efficiency ratio | 77.0950% | 2,512 |
| Assets per employee ($millions) | 4.4795% | 2,948 |
| Cash dividends to net income (ytd only)* | 28.2361% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 6,820 |
| Loan loss allowance to noncurrent loans | 145.7143% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 5,500 |
| Noncurrent loans to loans | 0.4387% | 5,571 |
| Net loans and leases to total assets | 35.3946% | 6,586 |
| Net loans and leases to deposits | 38.8156% | 6,723 |
| Net loans and leases to core deposits | 39.5436% | 6,757 |
| Total domestic deposits to total assets | 91.1865% | 365 |
| Equity capital to assets | 8.1773% | 6,500 |
| Core capital (leverage) ratio | 8.3428% | 5,953 |
| Tier 1 risk-based capital ratio | 23.0089% | 1,171 |
| Total risk-based capital ratio | 23.6770% | 1,240 |
| Memoranda: | ||
| Average total assets | $42,386,250 | 6,487 |
| Average earning assets | $40,676,500 | 6,408 |
| Average equity | $3,566,000 | 6,753 |
| Average total loans | $15,574,000 | 6,713 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 6,513 |
| Cost of funding earning assets | 0.7926% | 3,249 |
| Net interest margin | 2.7842% | 6,607 |
| Noninterest income to average assets | 0.1347% | 6,514 |
| Noninterest expense to average assets | 2.1403% | 6,156 |
| Loan and lease loss provision to assets | 0.1058% | 4,202 |
| Net operating income to assets | 0.4954% | 4,837 |
| Return on assets (ROA) | 0.4954% | 5,091 |
| Pretax return on assets | 0.5579% | 5,283 |
| Return on Equity (ROE) | 5.8296% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.0185% | 3,932 |
| Net charge-offs to loans | 0.0777% | 4,373 |
| Credit loss provision to net charge-offs | 366.6667% | 806 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,263 |
| Efficiency ratio | 76.3293% | 2,696 |
| Assets per employee ($millions) | 4.7328% | 2,528 |
| Cash dividends to net income (ytd only)* | 31.0680% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 6,937 |
| Loan loss allowance to noncurrent loans | 195.8333% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 5,676 |
| Noncurrent loans to loans | 0.3050% | 5,949 |
| Net loans and leases to total assets | 36.7297% | 6,568 |
| Net loans and leases to deposits | 40.3305% | 6,724 |
| Net loans and leases to core deposits | 41.1267% | 6,769 |
| Total domestic deposits to total assets | 91.0717% | 423 |
| Equity capital to assets | 8.4047% | 6,298 |
| Core capital (leverage) ratio | 8.4367% | 5,733 |
| Tier 1 risk-based capital ratio | 23.2786% | 1,102 |
| Total risk-based capital ratio | 23.9107% | 1,164 |
| Memoranda: | ||
| Average total assets | $41,583,330 | 6,568 |
| Average earning assets | $39,867,670 | 6,477 |
| Average equity | $3,533,670 | 6,799 |
| Average total loans | $15,446,330 | 6,772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 6,565 |
| Cost of funding earning assets | 0.8136% | 3,361 |
| Net interest margin | 2.7966% | 6,645 |
| Noninterest income to average assets | 0.1558% | 6,461 |
| Noninterest expense to average assets | 2.0644% | 6,353 |
| Loan and lease loss provision to assets | 0.1266% | 3,759 |
| Net operating income to assets | 0.5648% | 4,520 |
| Return on assets (ROA) | 0.5648% | 4,743 |
| Pretax return on assets | 0.6427% | 4,963 |
| Return on Equity (ROE) | 6.6087% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.7856% | 3,684 |
| Net charge-offs to loans | 0.1569% | 3,151 |
| Credit loss provision to net charge-offs | 216.6667% | 1,270 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,554 |
| Efficiency ratio | 72.8522% | 3,282 |
| Assets per employee ($millions) | 4.5618% | 2,878 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5450% | 7,030 |
| Loan loss allowance to noncurrent loans | 472.2222% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 5,915 |
| Noncurrent loans to loans | 0.1154% | 6,468 |
| Net loans and leases to total assets | 37.7825% | 6,504 |
| Net loans and leases to deposits | 41.5882% | 6,677 |
| Net loans and leases to core deposits | 42.4417% | 6,724 |
| Total domestic deposits to total assets | 90.8491% | 619 |
| Equity capital to assets | 8.6126% | 5,978 |
| Core capital (leverage) ratio | 8.4318% | 5,701 |
| Tier 1 risk-based capital ratio | 23.4875% | 1,067 |
| Total risk-based capital ratio | 24.0693% | 1,139 |
| Memoranda: | ||
| Average total assets | $41,077,500 | 6,647 |
| Average earning assets | $39,333,000 | 6,547 |
| Average equity | $3,510,500 | 6,848 |
| Average total loans | $15,300,000 | 6,837 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 6,556 |
| Cost of funding earning assets | 1.1133% | 2,584 |
| Net interest margin | 2.8284% | 6,787 |
| Noninterest income to average assets | 0.0782% | 6,722 |
| Noninterest expense to average assets | 2.3824% | 5,821 |
| Loan and lease loss provision to assets | 0.0621% | 5,835 |
| Net operating income to assets | 0.3346% | 5,128 |
| Return on assets (ROA) | 0.3319% | 5,291 |
| Pretax return on assets | 0.3319% | 5,470 |
| Return on Equity (ROE) | 3.6583% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.7548% | 4,964 |
| Net charge-offs to loans | 0.3037% | 3,878 |
| Credit loss provision to net charge-offs | 51.1111% | 5,397 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,577 |
| Efficiency ratio | 85.7282% | 1,593 |
| Assets per employee ($millions) | 4.5666% | 2,804 |
| Cash dividends to net income (ytd only)* | 52.0325% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5199% | 7,090 |
| Loan loss allowance to noncurrent loans | 111.4286% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 5,689 |
| Noncurrent loans to loans | 0.4666% | 5,778 |
| Net loans and leases to total assets | 36.3148% | 6,747 |
| Net loans and leases to deposits | 39.9246% | 6,888 |
| Net loans and leases to core deposits | 40.4658% | 6,932 |
| Total domestic deposits to total assets | 90.9584% | 525 |
| Equity capital to assets | 8.4795% | 6,166 |
| Core capital (leverage) ratio | 8.9905% | 4,805 |
| Tier 1 risk-based capital ratio | 23.3281% | 1,060 |
| Total risk-based capital ratio | 23.8653% | 1,123 |
| Memoranda: | ||
| Average total assets | $37,064,000 | 6,763 |
| Average earning assets | $35,390,600 | 6,699 |
| Average equity | $3,362,200 | 6,916 |
| Average total loans | $14,816,400 | 6,911 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 6,496 |
| Cost of funding earning assets | 1.2447% | 2,027 |
| Net interest margin | 2.8112% | 6,872 |
| Noninterest income to average assets | 0.1516% | 6,497 |
| Noninterest expense to average assets | 2.4295% | 5,695 |
| Loan and lease loss provision to assets | 0.0703% | 5,573 |
| Net operating income to assets | 0.3104% | 5,361 |
| Return on assets (ROA) | 0.3069% | 5,545 |
| Pretax return on assets | 0.3291% | 5,644 |
| Return on Equity (ROE) | 3.3216% | 5,307 |
| Retained earnings to average equity (ytd only) | 1.4009% | 5,449 |
| Net charge-offs to loans | 0.4152% | 3,066 |
| Credit loss provision to net charge-offs | 41.3043% | 5,212 |
| Earnings coverage of net charge-offs (x) | 2.3696% | 3,945 |
| Efficiency ratio | 85.7702% | 1,558 |
| Assets per employee ($millions) | 4.1640% | 3,512 |
| Cash dividends to net income (ytd only)* | 57.8348% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4883% | 7,171 |
| Loan loss allowance to noncurrent loans | 48.6667% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 4,500 |
| Noncurrent loans to loans | 1.0033% | 4,884 |
| Net loans and leases to total assets | 39.7001% | 6,659 |
| Net loans and leases to deposits | 44.0230% | 6,831 |
| Net loans and leases to core deposits | 44.6840% | 6,897 |
| Total domestic deposits to total assets | 90.1804% | 772 |
| Equity capital to assets | 9.2219% | 5,478 |
| Core capital (leverage) ratio | 9.2215% | 4,588 |
| Tier 1 risk-based capital ratio | 23.8680% | 1,024 |
| Total risk-based capital ratio | 24.3861% | 1,114 |
| Memoranda: | ||
| Average total assets | $36,055,250 | 6,854 |
| Average earning assets | $34,385,500 | 6,796 |
| Average equity | $3,331,500 | 6,984 |
| Average total loans | $14,769,750 | 6,980 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 6,806 |
| Cost of funding earning assets | 1.2196% | 2,442 |
| Net interest margin | 2.6748% | 7,054 |
| Noninterest income to average assets | 0.2305% | 6,007 |
| Noninterest expense to average assets | 2.4226% | 5,773 |
| Loan and lease loss provision to assets | 0.0562% | 5,616 |
| Net operating income to assets | 0.2867% | 5,419 |
| Return on assets (ROA) | 0.2867% | 5,558 |
| Pretax return on assets | 0.3035% | 5,663 |
| Return on Equity (ROE) | 3.1003% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.1550% | 5,400 |
| Net charge-offs to loans | 0.5575% | 2,432 |
| Credit loss provision to net charge-offs | 24.3902% | 5,075 |
| Earnings coverage of net charge-offs (x) | 1.5610% | 4,122 |
| Efficiency ratio | 87.0707% | 1,507 |
| Assets per employee ($millions) | 4.0428% | 3,669 |
| Cash dividends to net income (ytd only)* | 62.7451% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4619% | 7,249 |
| Loan loss allowance to noncurrent loans | 45.6954% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 5,227 |
| Noncurrent loans to loans | 1.0108% | 4,975 |
| Net loans and leases to total assets | 40.8685% | 6,681 |
| Net loans and leases to deposits | 45.2636% | 6,865 |
| Net loans and leases to core deposits | 45.9632% | 6,942 |
| Total domestic deposits to total assets | 90.2900% | 821 |
| Equity capital to assets | 9.2346% | 5,228 |
| Core capital (leverage) ratio | 9.3793% | 4,144 |
| Tier 1 risk-based capital ratio | 24.6756% | 931 |
| Total risk-based capital ratio | 25.1843% | 997 |
| Memoranda: | ||
| Average total assets | $35,581,670 | 6,935 |
| Average earning assets | $33,946,000 | 6,870 |
| Average equity | $3,290,000 | 7,043 |
| Average total loans | $14,709,330 | 7,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 6,634 |
| Cost of funding earning assets | 1.2878% | 2,255 |
| Net interest margin | 2.7425% | 6,974 |
| Noninterest income to average assets | 0.1364% | 6,728 |
| Noninterest expense to average assets | 2.3877% | 5,916 |
| Loan and lease loss provision to assets | 0.0910% | 4,876 |
| Net operating income to assets | 0.2729% | 5,530 |
| Return on assets (ROA) | 0.2729% | 5,589 |
| Pretax return on assets | 0.2729% | 5,736 |
| Return on Equity (ROE) | 2.9493% | 5,398 |
| Retained earnings to average equity (ytd only) | 0.9831% | 5,434 |
| Net charge-offs to loans | 0.1644% | 3,495 |
| Credit loss provision to net charge-offs | 133.3333% | 2,077 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,297 |
| Efficiency ratio | 86.7769% | 1,634 |
| Assets per employee ($millions) | 3.9133% | 4,043 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 7,084 |
| Loan loss allowance to noncurrent loans | 25.0000% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 4,624 |
| Noncurrent loans to loans | 2.7691% | 2,734 |
| Net loans and leases to total assets | 41.5446% | 6,665 |
| Net loans and leases to deposits | 46.0039% | 6,850 |
| Net loans and leases to core deposits | 46.7386% | 6,940 |
| Total domestic deposits to total assets | 90.3066% | 962 |
| Equity capital to assets | 9.3015% | 4,727 |
| Core capital (leverage) ratio | 9.3929% | 3,973 |
| Tier 1 risk-based capital ratio | 24.9216% | 883 |
| Total risk-based capital ratio | 25.6835% | 913 |
| Memoranda: | ||
| Average total assets | $35,180,000 | 7,000 |
| Average earning assets | $33,546,000 | 6,935 |
| Average equity | $3,255,000 | 7,094 |
| Average total loans | $14,594,500 | 7,113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 6,387 |
| Cost of funding earning assets | 1.5187% | 2,538 |
| Net interest margin | 2.9887% | 6,747 |
| Noninterest income to average assets | 0.0927% | 6,930 |
| Noninterest expense to average assets | 2.4357% | 5,993 |
| Loan and lease loss provision to assets | 0.0753% | 6,396 |
| Net operating income to assets | 0.4142% | 4,483 |
| Return on assets (ROA) | 0.4142% | 4,620 |
| Pretax return on assets | 0.4257% | 4,863 |
| Return on Equity (ROE) | 4.4171% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.4093% | 4,187 |
| Net charge-offs to loans | 0.0410% | 6,392 |
| Credit loss provision to net charge-offs | 433.3333% | 538 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 751 |
| Efficiency ratio | 82.9389% | 2,059 |
| Assets per employee ($millions) | 3.9044% | 3,994 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 7,145 |
| Loan loss allowance to noncurrent loans | 20.8333% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 1.7359% | 3,699 |
| Noncurrent loans to loans | 3.3207% | 2,284 |
| Net loans and leases to total assets | 40.8509% | 6,912 |
| Net loans and leases to deposits | 45.1628% | 7,073 |
| Net loans and leases to core deposits | 45.8846% | 7,143 |
| Total domestic deposits to total assets | 90.4525% | 861 |
| Equity capital to assets | 9.2032% | 4,839 |
| Core capital (leverage) ratio | 9.5355% | 3,665 |
| Tier 1 risk-based capital ratio | 22.4289% | 1,114 |
| Total risk-based capital ratio | 23.1028% | 1,173 |
| Memoranda: | ||
| Average total assets | $34,527,600 | 7,055 |
| Average earning assets | $32,857,200 | 6,986 |
| Average equity | $3,237,400 | 7,208 |
| Average total loans | $14,643,600 | 7,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 6,470 |
| Cost of funding earning assets | 1.5527% | 2,649 |
| Net interest margin | 2.9954% | 6,843 |
| Noninterest income to average assets | 0.0815% | 7,128 |
| Noninterest expense to average assets | 2.3893% | 6,065 |
| Loan and lease loss provision to assets | 0.0698% | 6,364 |
| Net operating income to assets | 0.4306% | 4,625 |
| Return on assets (ROA) | 0.4306% | 4,803 |
| Pretax return on assets | 0.4732% | 5,012 |
| Return on Equity (ROE) | 4.5704% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.5940% | 4,604 |
| Net charge-offs to loans | 0.0182% | 6,420 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 69.9101% | 431 |
| Efficiency ratio | 81.4815% | 2,134 |
| Assets per employee ($millions) | 3.8374% | 4,173 |
| Cash dividends to net income (ytd only)* | 43.2432% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 7,263 |
| Loan loss allowance to noncurrent loans | 14.4578% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 2.3135% | 3,067 |
| Noncurrent loans to loans | 4.5780% | 1,565 |
| Net loans and leases to total assets | 41.7176% | 6,994 |
| Net loans and leases to deposits | 46.5224% | 7,147 |
| Net loans and leases to core deposits | 47.2859% | 7,225 |
| Total domestic deposits to total assets | 89.6719% | 1,033 |
| Equity capital to assets | 9.5810% | 4,728 |
| Core capital (leverage) ratio | 9.3846% | 4,080 |
| Tier 1 risk-based capital ratio | 22.8032% | 1,095 |
| Total risk-based capital ratio | 23.4743% | 1,145 |
| Memoranda: | ||
| Average total assets | $34,374,500 | 7,152 |
| Average earning assets | $32,715,750 | 7,077 |
| Average equity | $3,238,250 | 7,302 |
| Average total loans | $14,690,750 | 7,274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 6,261 |
| Cost of funding earning assets | 1.5568% | 2,925 |
| Net interest margin | 3.1074% | 6,594 |
| Noninterest income to average assets | 0.0874% | 7,142 |
| Noninterest expense to average assets | 2.4592% | 5,883 |
| Loan and lease loss provision to assets | 0.0699% | 6,251 |
| Net operating income to assets | 0.4604% | 4,504 |
| Return on assets (ROA) | 0.4604% | 4,664 |
| Pretax return on assets | 0.5128% | 4,870 |
| Return on Equity (ROE) | 4.9150% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.9241% | 4,272 |
| Net charge-offs to loans | 0.0407% | 5,802 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 844 |
| Efficiency ratio | 80.8429% | 2,325 |
| Assets per employee ($millions) | 3.8479% | 4,106 |
| Cash dividends to net income (ytd only)* | 40.5063% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 7,393 |
| Loan loss allowance to noncurrent loans | 15.7522% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 2.0213% | 3,474 |
| Noncurrent loans to loans | 3.8853% | 1,969 |
| Net loans and leases to total assets | 41.7343% | 7,053 |
| Net loans and leases to deposits | 46.4189% | 7,232 |
| Net loans and leases to core deposits | 47.1765% | 7,314 |
| Total domestic deposits to total assets | 89.9079% | 963 |
| Equity capital to assets | 9.4742% | 4,742 |
| Core capital (leverage) ratio | 9.4011% | 3,961 |
| Tier 1 risk-based capital ratio | 21.8586% | 1,226 |
| Total risk-based capital ratio | 22.4579% | 1,283 |
| Memoranda: | ||
| Average total assets | $34,320,330 | 7,200 |
| Average earning assets | $32,632,000 | 7,129 |
| Average equity | $3,214,670 | 7,353 |
| Average total loans | $14,753,000 | 7,329 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 6,309 |
| Cost of funding earning assets | 1.6222% | 2,818 |
| Net interest margin | 3.0600% | 6,691 |
| Noninterest income to average assets | 0.0702% | 7,361 |
| Noninterest expense to average assets | 2.4587% | 5,876 |
| Loan and lease loss provision to assets | 0.0585% | 6,059 |
| Net operating income to assets | 0.4215% | 4,746 |
| Return on assets (ROA) | 0.4215% | 4,884 |
| Pretax return on assets | 0.4683% | 5,064 |
| Return on Equity (ROE) | 4.5262% | 4,637 |
| Retained earnings to average equity (ytd only) | 2.5145% | 4,626 |
| Net charge-offs to loans | 0.0269% | 5,194 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 616 |
| Efficiency ratio | 82.3529% | 2,229 |
| Assets per employee ($millions) | 3.8103% | 4,281 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5688% | 7,536 |
| Loan loss allowance to noncurrent loans | 10.3960% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 2.3562% | 3,083 |
| Noncurrent loans to loans | 5.4717% | 1,287 |
| Net loans and leases to total assets | 42.8163% | 7,073 |
| Net loans and leases to deposits | 47.5964% | 7,249 |
| Net loans and leases to core deposits | 48.3805% | 7,346 |
| Total domestic deposits to total assets | 89.9571% | 1,009 |
| Equity capital to assets | 9.4101% | 4,662 |
| Core capital (leverage) ratio | 9.3939% | 3,917 |
| Tier 1 risk-based capital ratio | 21.1013% | 1,325 |
| Total risk-based capital ratio | 21.6519% | 1,410 |
| Memoranda: | ||
| Average total assets | $34,165,000 | 7,298 |
| Average earning assets | $32,549,000 | 7,217 |
| Average equity | $3,181,500 | 7,443 |
| Average total loans | $14,858,500 | 7,409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 6,874 |
| Cost of funding earning assets | 1.9085% | 3,417 |
| Net interest margin | 2.9263% | 6,808 |
| Noninterest income to average assets | 0.0355% | 7,569 |
| Noninterest expense to average assets | 2.8386% | 4,798 |
| Loan and lease loss provision to assets | 0.0888% | 6,724 |
| Net operating income to assets | -0.1006% | 5,681 |
| Return on assets (ROA) | -0.1006% | 5,683 |
| Pretax return on assets | -0.1006% | 5,602 |
| Return on Equity (ROE) | -1.0502% | 5,697 |
| Retained earnings to average equity (ytd only) | -3.0578% | 5,711 |
| Net charge-offs to loans | 0.0923% | 6,201 |
| Credit loss provision to net charge-offs | 214.2857% | 1,786 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 6,534 |
| Efficiency ratio | 100.4188% | 1,080 |
| Assets per employee ($millions) | 3.7819% | 4,317 |
| Cash dividends to net income (ytd only)* | -191.1765% | 7,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5351% | 7,638 |
| Loan loss allowance to noncurrent loans | 7.0361% | 7,404 |
| Noncurrent assets plus other real estate owned to assets | 3.3405% | 2,043 |
| Noncurrent loans to loans | 7.6054% | 686 |
| Net loans and leases to total assets | 43.6878% | 7,138 |
| Net loans and leases to deposits | 48.4839% | 7,335 |
| Net loans and leases to core deposits | 56.5098% | 7,386 |
| Total domestic deposits to total assets | 90.1078% | 910 |
| Equity capital to assets | 9.2135% | 4,826 |
| Core capital (leverage) ratio | 9.3037% | 3,968 |
| Tier 1 risk-based capital ratio | 20.9523% | 1,304 |
| Total risk-based capital ratio | 21.4763% | 1,384 |
| Memoranda: | ||
| Average total assets | $33,783,800 | 7,334 |
| Average earning assets | $32,225,000 | 7,249 |
| Average equity | $3,237,600 | 7,519 |
| Average total loans | $15,162,600 | 7,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 7,121 |
| Cost of funding earning assets | 1.9678% | 3,530 |
| Net interest margin | 2.8336% | 7,000 |
| Noninterest income to average assets | 0.0198% | 7,773 |
| Noninterest expense to average assets | 2.8390% | 4,724 |
| Loan and lease loss provision to assets | 0.0554% | 6,814 |
| Net operating income to assets | -0.1700% | 6,011 |
| Return on assets (ROA) | -0.1700% | 6,024 |
| Pretax return on assets | -0.1700% | 5,935 |
| Return on Equity (ROE) | -1.7570% | 6,059 |
| Retained earnings to average equity (ytd only) | -3.7591% | 6,070 |
| Net charge-offs to loans | 0.0964% | 5,707 |
| Credit loss provision to net charge-offs | 127.2727% | 3,947 |
| Earnings coverage of net charge-offs (x) | -2.6360% | 6,784 |
| Efficiency ratio | 104.2090% | 912 |
| Assets per employee ($millions) | 3.8068% | 4,176 |
| Cash dividends to net income (ytd only)* | -113.9543% | 8,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4335% | 7,789 |
| Loan loss allowance to noncurrent loans | 6.4054% | 7,498 |
| Noncurrent assets plus other real estate owned to assets | 3.0530% | 2,260 |
| Noncurrent loans to loans | 6.7680% | 829 |
| Net loans and leases to total assets | 44.9140% | 7,179 |
| Net loans and leases to deposits | 50.1091% | 7,406 |
| Net loans and leases to core deposits | 57.9913% | 7,465 |
| Total domestic deposits to total assets | 89.6325% | 912 |
| Equity capital to assets | 9.3605% | 4,938 |
| Core capital (leverage) ratio | 9.3492% | 4,114 |
| Tier 1 risk-based capital ratio | 21.0980% | 1,357 |
| Total risk-based capital ratio | 21.5391% | 1,456 |
| Memoranda: | ||
| Average total assets | $33,720,500 | 7,393 |
| Average earning assets | $32,184,000 | 7,320 |
| Average equity | $3,263,000 | 7,583 |
| Average total loans | $15,215,750 | 7,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 7,067 |
| Cost of funding earning assets | 2.0329% | 3,607 |
| Net interest margin | 2.8523% | 6,906 |
| Noninterest income to average assets | -0.0060% | 7,976 |
| Noninterest expense to average assets | 2.5164% | 6,065 |
| Loan and lease loss provision to assets | 0.0835% | 6,343 |
| Net operating income to assets | 0.1133% | 5,524 |
| Return on assets (ROA) | 0.1133% | 5,621 |
| Pretax return on assets | 0.1133% | 5,647 |
| Return on Equity (ROE) | 1.1579% | 5,590 |
| Retained earnings to average equity (ytd only) | -0.7923% | 5,426 |
| Net charge-offs to loans | 0.1718% | 4,509 |
| Credit loss provision to net charge-offs | 107.6923% | 4,283 |
| Earnings coverage of net charge-offs (x) | 2.5385% | 3,799 |
| Efficiency ratio | 92.7473% | 1,587 |
| Assets per employee ($millions) | 3.7039% | 4,316 |
| Cash dividends to net income (ytd only)* | 168.4211% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4262% | 7,876 |
| Loan loss allowance to noncurrent loans | 7.3034% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 2.6699% | 2,402 |
| Noncurrent loans to loans | 5.8353% | 956 |
| Net loans and leases to total assets | 45.5587% | 7,228 |
| Net loans and leases to deposits | 50.8709% | 7,442 |
| Net loans and leases to core deposits | 58.6529% | 7,499 |
| Total domestic deposits to total assets | 89.5575% | 1,020 |
| Equity capital to assets | 9.7525% | 4,282 |
| Core capital (leverage) ratio | 9.7636% | 3,560 |
| Tier 1 risk-based capital ratio | 22.8420% | 1,156 |
| Total risk-based capital ratio | 23.2942% | 1,218 |
| Memoranda: | ||
| Average total assets | $33,540,330 | 7,466 |
| Average earning assets | $31,973,670 | 7,399 |
| Average equity | $3,281,670 | 7,638 |
| Average total loans | $15,136,000 | 7,586 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 7,023 |
| Cost of funding earning assets | 2.0711% | 3,790 |
| Net interest margin | 2.8945% | 6,759 |
| Noninterest income to average assets | -0.0832% | 8,129 |
| Noninterest expense to average assets | 2.5206% | 5,761 |
| Loan and lease loss provision to assets | 0.1189% | 5,443 |
| Net operating income to assets | 0.0357% | 6,176 |
| Return on assets (ROA) | 0.0357% | 6,327 |
| Pretax return on assets | 0.0357% | 6,311 |
| Return on Equity (ROE) | 0.3640% | 6,318 |
| Retained earnings to average equity (ytd only) | -1.5772% | 6,012 |
| Net charge-offs to loans | 0.1326% | 3,897 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,458 |
| Efficiency ratio | 94.2222% | 1,418 |
| Assets per employee ($millions) | 3.7704% | 4,173 |
| Cash dividends to net income (ytd only)* | 533.3333% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4618% | 7,875 |
| Loan loss allowance to noncurrent loans | 5.2432% | 7,547 |
| Noncurrent assets plus other real estate owned to assets | 3.8781% | 1,351 |
| Noncurrent loans to loans | 8.8080% | 374 |
| Net loans and leases to total assets | 43.8263% | 7,357 |
| Net loans and leases to deposits | 48.9388% | 7,536 |
| Net loans and leases to core deposits | 56.7547% | 7,580 |
| Total domestic deposits to total assets | 89.5533% | 988 |
| Equity capital to assets | 9.6629% | 4,434 |
| Core capital (leverage) ratio | 9.7643% | 3,676 |
| Tier 1 risk-based capital ratio | 22.1929% | 1,279 |
| Total risk-based capital ratio | 22.6591% | 1,354 |
| Memoranda: | ||
| Average total assets | $33,643,000 | 7,506 |
| Average earning assets | $32,060,500 | 7,440 |
| Average equity | $3,297,000 | 7,688 |
| Average total loans | $15,078,000 | 7,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 7,327 |
| Cost of funding earning assets | 2.3466% | 4,939 |
| Net interest margin | 3.1427% | 6,541 |
| Noninterest income to average assets | 0.0700% | 7,794 |
| Noninterest expense to average assets | 2.4741% | 6,113 |
| Loan and lease loss provision to assets | 0.1856% | 5,034 |
| Net operating income to assets | 0.3652% | 5,292 |
| Return on assets (ROA) | 0.3652% | 5,090 |
| Pretax return on assets | 0.4017% | 5,256 |
| Return on Equity (ROE) | 3.6666% | 4,966 |
| Retained earnings to average equity (ytd only) | 1.6805% | 4,210 |
| Net charge-offs to loans | 0.7139% | 1,731 |
| Credit loss provision to net charge-offs | 54.9550% | 6,293 |
| Earnings coverage of net charge-offs (x) | 1.7387% | 5,204 |
| Efficiency ratio | 80.8151% | 2,485 |
| Assets per employee ($millions) | 3.7058% | 4,161 |
| Cash dividends to net income (ytd only)* | 54.1667% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 7,955 |
| Loan loss allowance to noncurrent loans | 5.4608% | 7,542 |
| Noncurrent assets plus other real estate owned to assets | 3.7839% | 1,132 |
| Noncurrent loans to loans | 7.7029% | 365 |
| Net loans and leases to total assets | 45.4276% | 7,377 |
| Net loans and leases to deposits | 50.8918% | 7,589 |
| Net loans and leases to core deposits | 58.5976% | 7,648 |
| Total domestic deposits to total assets | 89.2630% | 938 |
| Equity capital to assets | 9.9394% | 4,111 |
| Core capital (leverage) ratio | 9.9098% | 3,540 |
| Tier 1 risk-based capital ratio | 22.1089% | 1,303 |
| Total risk-based capital ratio | 22.5382% | 1,385 |
| Memoranda: | ||
| Average total assets | $32,860,000 | 7,519 |
| Average earning assets | $31,279,200 | 7,447 |
| Average equity | $3,272,800 | 7,756 |
| Average total loans | $15,548,400 | 7,617 |