Home > 1st Bank in Hominy > Performance and Condition Ratios
1st Bank in Hominy, 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 | 3.7057% | 4,271 |
| Cost of funding earning assets | 0.7449% | 3,861 |
| Net interest margin | 2.9608% | 3,376 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7794% | 1,555 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4349% | 3,797 |
| Return on assets (ROA) | 0.3353% | 3,977 |
| Pretax return on assets | 0.3353% | 4,054 |
| Return on Equity (ROE) | 5.9900% | 3,520 |
| Retained earnings to average equity (ytd only) | 1.4986% | 3,709 |
| Net charge-offs to loans | 0.0736% | 1,121 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,915 |
| Efficiency ratio | 84.3299% | 647 |
| Assets per employee ($millions) | 3.5975% | 4,274 |
| Cash dividends to net income (ytd only)* | 75.0000% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,317 |
| Loan loss allowance to noncurrent loans | 58.2143% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 725 |
| Noncurrent loans to loans | 1.7152% | 361 |
| Net loans and leases to total assets | 37.4400% | 4,109 |
| Net loans and leases to deposits | 41.2075% | 4,170 |
| Net loans and leases to core deposits | 45.3022% | 4,171 |
| Total domestic deposits to total assets | 90.8500% | 542 |
| Equity capital to assets | 5.9532% | 4,243 |
| Core capital (leverage) ratio | 8.4696% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0851% | 472 |
| Memoranda: | ||
| Average total assets | $44,145,800 | 4,363 |
| Average earning assets | $42,286,200 | 4,322 |
| Average equity | $2,469,000 | 4,459 |
| Average total loans | $16,303,200 | 4,334 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,268 |
| Cost of funding earning assets | 0.6604% | 3,844 |
| Net interest margin | 2.9829% | 3,369 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.7453% | 1,553 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.5106% | 3,742 |
| Return on assets (ROA) | 0.3785% | 4,001 |
| Pretax return on assets | 0.3785% | 4,088 |
| Return on Equity (ROE) | 6.8700% | 3,464 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,140 |
| Net charge-offs to loans | 0.0082% | 2,107 |
| Credit loss provision to net charge-offs | 2,700.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 607 |
| Efficiency ratio | 82.2682% | 713 |
| Assets per employee ($millions) | 3.0992% | 4,381 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,494 |
| Loan loss allowance to noncurrent loans | 66.8016% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 913 |
| Noncurrent loans to loans | 1.4537% | 505 |
| Net loans and leases to total assets | 38.7800% | 4,104 |
| Net loans and leases to deposits | 41.7830% | 4,166 |
| Net loans and leases to core deposits | 45.7726% | 4,134 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 5.4299% | 4,156 |
| Core capital (leverage) ratio | 8.9642% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7982% | 502 |
| Memoranda: | ||
| Average total assets | $44,389,750 | 4,376 |
| Average earning assets | $42,597,750 | 4,339 |
| Average equity | $2,443,750 | 4,483 |
| Average total loans | $16,297,750 | 4,357 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 4,341 |
| Cost of funding earning assets | 0.5668% | 3,840 |
| Net interest margin | 2.9363% | 3,585 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.6697% | 1,720 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5456% | 3,708 |
| Return on assets (ROA) | 0.4069% | 4,003 |
| Pretax return on assets | 0.4069% | 4,108 |
| Return on Equity (ROE) | 7.3600% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.3595% | 2,171 |
| Net charge-offs to loans | -0.1120% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.0041% | 777 |
| Assets per employee ($millions) | 3.3624% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,511 |
| Loan loss allowance to noncurrent loans | 65.8730% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 829 |
| Noncurrent loans to loans | 1.4825% | 450 |
| Net loans and leases to total assets | 38.5100% | 4,092 |
| Net loans and leases to deposits | 40.9030% | 4,191 |
| Net loans and leases to core deposits | 44.4128% | 4,159 |
| Total domestic deposits to total assets | 94.1400% | 144 |
| Equity capital to assets | 5.6896% | 4,238 |
| Core capital (leverage) ratio | 8.6233% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8535% | 493 |
| Memoranda: | ||
| Average total assets | $44,723,333 | 4,396 |
| Average earning assets | $43,047,667 | 4,360 |
| Average equity | $2,473,000 | 4,509 |
| Average total loans | $16,066,667 | 4,383 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2985% | 4,437 |
| Cost of funding earning assets | 0.4686% | 3,781 |
| Net interest margin | 2.8299% | 3,905 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.6443% | 1,826 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4776% | 3,952 |
| Return on assets (ROA) | 0.3184% | 4,182 |
| Pretax return on assets | 0.3184% | 4,247 |
| Return on Equity (ROE) | 5.8400% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.8394% | 2,810 |
| Net charge-offs to loans | -0.0769% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.5967% | 670 |
| Assets per employee ($millions) | 3.8012% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,728 |
| Loan loss allowance to noncurrent loans | 64.8069% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 884 |
| Noncurrent loans to loans | 1.4598% | 449 |
| Net loans and leases to total assets | 34.6600% | 4,241 |
| Net loans and leases to deposits | 36.7905% | 4,302 |
| Net loans and leases to core deposits | 39.7976% | 4,275 |
| Total domestic deposits to total assets | 94.2100% | 150 |
| Equity capital to assets | 5.6803% | 4,296 |
| Core capital (leverage) ratio | 8.3774% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2474% | 421 |
| Memoranda: | ||
| Average total assets | $45,229,500 | 4,457 |
| Average earning assets | $43,535,500 | 4,424 |
| Average equity | $2,466,000 | 4,576 |
| Average total loans | $15,601,000 | 4,448 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9865% | 4,148 |
| Cost of funding earning assets | 0.2322% | 3,493 |
| Net interest margin | 2.7543% | 3,970 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.6318% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4716% | 4,133 |
| Return on assets (ROA) | 0.4716% | 4,099 |
| Pretax return on assets | 0.4716% | 4,208 |
| Return on Equity (ROE) | 8.0000% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.4203% | 3,261 |
| Net charge-offs to loans | 0.5106% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.8077% | 2,491 |
| Efficiency ratio | 84.8022% | 456 |
| Assets per employee ($millions) | 4.0768% | 4,255 |
| Cash dividends to net income (ytd only)* | 44.7489% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 4,314 |
| Loan loss allowance to noncurrent loans | 44.3925% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 916 |
| Noncurrent loans to loans | 1.4041% | 475 |
| Net loans and leases to total assets | 33.7700% | 4,292 |
| Net loans and leases to deposits | 35.6511% | 4,350 |
| Net loans and leases to core deposits | 38.1415% | 4,328 |
| Total domestic deposits to total assets | 94.7400% | 167 |
| Equity capital to assets | 5.2202% | 4,310 |
| Core capital (leverage) ratio | 8.2220% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9644% | 422 |
| Memoranda: | ||
| Average total assets | $46,432,800 | 4,471 |
| Average earning assets | $44,366,800 | 4,432 |
| Average equity | $2,737,400 | 4,630 |
| Average total loans | $15,277,600 | 4,476 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9411% | 4,000 |
| Cost of funding earning assets | 0.2124% | 3,120 |
| Net interest margin | 2.7287% | 3,872 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.5710% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5068% | 4,054 |
| Return on assets (ROA) | 0.5068% | 4,006 |
| Pretax return on assets | 0.5068% | 4,140 |
| Return on Equity (ROE) | 8.3700% | 3,208 |
| Retained earnings to average equity (ytd only) | 8.3669% | 1,860 |
| Net charge-offs to loans | 0.5756% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.6970% | 2,236 |
| Efficiency ratio | 83.5338% | 575 |
| Assets per employee ($millions) | 3.9537% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 4,242 |
| Loan loss allowance to noncurrent loans | 23.5683% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 433 |
| Noncurrent loans to loans | 2.9857% | 158 |
| Net loans and leases to total assets | 31.8200% | 4,381 |
| Net loans and leases to deposits | 34.3839% | 4,410 |
| Net loans and leases to core deposits | 36.9892% | 4,368 |
| Total domestic deposits to total assets | 92.5600% | 696 |
| Equity capital to assets | 4.5759% | 4,382 |
| Core capital (leverage) ratio | 8.1839% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7130% | 450 |
| Memoranda: | ||
| Average total assets | $46,829,750 | 4,503 |
| Average earning assets | $44,563,000 | 4,464 |
| Average equity | $2,836,500 | 4,663 |
| Average total loans | $15,286,750 | 4,512 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9157% | 3,747 |
| Cost of funding earning assets | 0.2067% | 2,827 |
| Net interest margin | 2.7091% | 3,682 |
| Noninterest income to average assets | 0.5062% | 2,168 |
| Noninterest expense to average assets | 2.5651% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5276% | 3,824 |
| Return on assets (ROA) | 0.5276% | 3,777 |
| Pretax return on assets | 0.5276% | 3,954 |
| Return on Equity (ROE) | 8.0436% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.0436% | 1,598 |
| Net charge-offs to loans | 0.9665% | 66 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.6622% | 2,058 |
| Efficiency ratio | 82.9404% | 743 |
| Assets per employee ($millions) | 3.5822% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6573% | 4,399 |
| Loan loss allowance to noncurrent loans | 38.3721% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 933 |
| Noncurrent loans to loans | 1.7130% | 404 |
| Net loans and leases to total assets | 32.1287% | 4,399 |
| Net loans and leases to deposits | 34.0518% | 4,446 |
| Net loans and leases to core deposits | 35.8388% | 4,442 |
| Total domestic deposits to total assets | 94.3525% | 223 |
| Equity capital to assets | 5.5273% | 4,353 |
| Core capital (leverage) ratio | 8.0445% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3382% | 457 |
| Memoranda: | ||
| Average total assets | $46,625,000 | 4,552 |
| Average earning assets | $44,517,333 | 4,526 |
| Average equity | $3,058,333 | 4,683 |
| Average total loans | $15,313,667 | 4,573 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7340% | 3,878 |
| Cost of funding earning assets | 0.2055% | 2,718 |
| Net interest margin | 2.5285% | 3,836 |
| Noninterest income to average assets | 0.5059% | 2,115 |
| Noninterest expense to average assets | 2.5293% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4030% | 3,946 |
| Return on assets (ROA) | 0.4030% | 3,911 |
| Pretax return on assets | 0.4030% | 4,029 |
| Return on Equity (ROE) | 5.6961% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.6961% | 2,353 |
| Net charge-offs to loans | 1.9171% | 38 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.6351% | 1,764 |
| Efficiency ratio | 86.2573% | 725 |
| Assets per employee ($millions) | 3.5561% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 4,462 |
| Loan loss allowance to noncurrent loans | 35.7401% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 916 |
| Noncurrent loans to loans | 1.8151% | 423 |
| Net loans and leases to total assets | 32.7976% | 4,344 |
| Net loans and leases to deposits | 35.0566% | 4,416 |
| Net loans and leases to core deposits | 36.9255% | 4,402 |
| Total domestic deposits to total assets | 93.5560% | 162 |
| Equity capital to assets | 6.3834% | 4,472 |
| Core capital (leverage) ratio | 8.0209% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2043% | 481 |
| Memoranda: | ||
| Average total assets | $46,653,000 | 4,577 |
| Average earning assets | $44,769,500 | 4,553 |
| Average equity | $3,300,500 | 4,703 |
| Average total loans | $15,440,000 | 4,590 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4968% | 2,672 |
| Cost of funding earning assets | 0.2774% | 2,627 |
| Net interest margin | 3.2193% | 2,558 |
| Noninterest income to average assets | 0.4208% | 2,938 |
| Noninterest expense to average assets | 2.6957% | 1,644 |
| Loan and lease loss provision to assets | 0.1315% | 929 |
| Net operating income to assets | 0.6706% | 3,697 |
| Return on assets (ROA) | 0.6706% | 3,746 |
| Pretax return on assets | 0.6706% | 3,994 |
| Return on Equity (ROE) | 8.1318% | 3,180 |
| Retained earnings to average equity (ytd only) | 3.0029% | 3,628 |
| Net charge-offs to loans | -0.0465% | 4,296 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0677% | 1,023 |
| Assets per employee ($millions) | 4.2797% | 4,281 |
| Cash dividends to net income (ytd only)* | 63.0719% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,325 |
| Loan loss allowance to noncurrent loans | 34.4622% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 466 |
| Noncurrent loans to loans | 3.2140% | 171 |
| Net loans and leases to total assets | 32.8101% | 4,417 |
| Net loans and leases to deposits | 35.5858% | 4,487 |
| Net loans and leases to core deposits | 37.4739% | 4,478 |
| Total domestic deposits to total assets | 92.2000% | 131 |
| Equity capital to assets | 7.7533% | 4,489 |
| Core capital (leverage) ratio | 7.9770% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,627,800 | 4,604 |
| Average earning assets | $43,611,600 | 4,573 |
| Average equity | $3,763,000 | 4,722 |
| Average total loans | $17,209,400 | 4,611 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 2,291 |
| Cost of funding earning assets | 0.2996% | 2,597 |
| Net interest margin | 3.3949% | 2,168 |
| Noninterest income to average assets | 0.4271% | 2,946 |
| Noninterest expense to average assets | 2.7187% | 1,538 |
| Loan and lease loss provision to assets | 0.1326% | 862 |
| Net operating income to assets | 0.8130% | 3,486 |
| Return on assets (ROA) | 0.8130% | 3,561 |
| Pretax return on assets | 0.8130% | 3,864 |
| Return on Equity (ROE) | 9.7063% | 2,841 |
| Retained earnings to average equity (ytd only) | 6.0840% | 2,785 |
| Net charge-offs to loans | -0.0530% | 4,386 |
| Credit loss provision to net charge-offs | -642.8571% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1961% | 1,200 |
| Assets per employee ($millions) | 3.6284% | 4,598 |
| Cash dividends to net income (ytd only)* | 37.3188% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,945 |
| Loan loss allowance to noncurrent loans | 42.2460% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 830 |
| Noncurrent loans to loans | 2.2924% | 356 |
| Net loans and leases to total assets | 34.2534% | 4,455 |
| Net loans and leases to deposits | 37.3736% | 4,533 |
| Net loans and leases to core deposits | 39.4680% | 4,531 |
| Total domestic deposits to total assets | 91.6513% | 200 |
| Equity capital to assets | 8.1452% | 4,444 |
| Core capital (leverage) ratio | 8.2344% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,265,500 | 4,677 |
| Average earning assets | $43,161,500 | 4,642 |
| Average equity | $3,791,250 | 4,787 |
| Average total loans | $17,607,000 | 4,672 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 1,489 |
| Cost of funding earning assets | 0.3145% | 2,647 |
| Net interest margin | 3.7178% | 1,304 |
| Noninterest income to average assets | 0.4347% | 2,930 |
| Noninterest expense to average assets | 2.7649% | 1,429 |
| Loan and lease loss provision to assets | 0.1344% | 915 |
| Net operating income to assets | 1.0844% | 2,593 |
| Return on assets (ROA) | 1.0844% | 2,668 |
| Pretax return on assets | 1.0844% | 3,266 |
| Return on Equity (ROE) | 12.8235% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.6971% | 1,499 |
| Net charge-offs to loans | -0.0665% | 4,481 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4038% | 1,714 |
| Assets per employee ($millions) | 3.2776% | 4,730 |
| Cash dividends to net income (ytd only)* | 24.3802% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,357 |
| Loan loss allowance to noncurrent loans | 40.5172% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 993 |
| Noncurrent loans to loans | 1.9898% | 497 |
| Net loans and leases to total assets | 37.8059% | 4,389 |
| Net loans and leases to deposits | 41.3560% | 4,477 |
| Net loans and leases to core deposits | 43.7716% | 4,460 |
| Total domestic deposits to total assets | 91.4159% | 251 |
| Equity capital to assets | 8.3967% | 4,286 |
| Core capital (leverage) ratio | 8.5098% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,631,000 | 4,711 |
| Average earning assets | $42,606,000 | 4,677 |
| Average equity | $3,774,333 | 4,820 |
| Average total loans | $18,037,667 | 4,701 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 2,593 |
| Cost of funding earning assets | 0.3235% | 2,768 |
| Net interest margin | 3.2920% | 2,415 |
| Noninterest income to average assets | 0.5000% | 2,612 |
| Noninterest expense to average assets | 2.7634% | 1,458 |
| Loan and lease loss provision to assets | 0.1364% | 989 |
| Net operating income to assets | 0.7454% | 3,583 |
| Return on assets (ROA) | 0.7454% | 3,656 |
| Pretax return on assets | 0.7454% | 3,922 |
| Return on Equity (ROE) | 8.7818% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.7818% | 2,022 |
| Net charge-offs to loans | -0.0437% | 4,341 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8105% | 1,152 |
| Assets per employee ($millions) | 3.2402% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 4,635 |
| Loan loss allowance to noncurrent loans | 32.4538% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 985 |
| Noncurrent loans to loans | 1.9951% | 543 |
| Net loans and leases to total assets | 41.6066% | 4,260 |
| Net loans and leases to deposits | 45.5333% | 4,376 |
| Net loans and leases to core deposits | 47.8902% | 4,379 |
| Total domestic deposits to total assets | 91.3762% | 267 |
| Equity capital to assets | 8.2115% | 4,356 |
| Core capital (leverage) ratio | 8.4259% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,003,000 | 4,740 |
| Average earning assets | $42,041,500 | 4,701 |
| Average equity | $3,735,000 | 4,847 |
| Average total loans | $18,312,000 | 4,723 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,244 |
| Cost of funding earning assets | 0.5562% | 2,572 |
| Net interest margin | 3.6090% | 2,115 |
| Noninterest income to average assets | 0.4898% | 2,673 |
| Noninterest expense to average assets | 3.1276% | 1,179 |
| Loan and lease loss provision to assets | 0.2461% | 1,571 |
| Net operating income to assets | 0.5424% | 3,926 |
| Return on assets (ROA) | 0.5424% | 4,024 |
| Pretax return on assets | 0.5424% | 4,197 |
| Return on Equity (ROE) | 6.0953% | 3,551 |
| Retained earnings to average equity (ytd only) | 1.3694% | 4,081 |
| Net charge-offs to loans | 1.1331% | 114 |
| Credit loss provision to net charge-offs | 46.8182% | 3,160 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,250 |
| Efficiency ratio | 79.8658% | 904 |
| Assets per employee ($millions) | 3.0459% | 4,803 |
| Cash dividends to net income (ytd only)* | 77.5330% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 4,719 |
| Loan loss allowance to noncurrent loans | 21.7391% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 737 |
| Noncurrent loans to loans | 2.7401% | 342 |
| Net loans and leases to total assets | 41.0900% | 4,396 |
| Net loans and leases to deposits | 45.0808% | 4,494 |
| Net loans and leases to core deposits | 47.6517% | 4,499 |
| Total domestic deposits to total assets | 91.1474% | 192 |
| Equity capital to assets | 8.7822% | 4,238 |
| Core capital (leverage) ratio | 8.5195% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,853,000 | 4,746 |
| Average earning assets | $39,734,000 | 4,719 |
| Average equity | $3,724,200 | 4,863 |
| Average total loans | $19,415,800 | 4,729 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,328 |
| Cost of funding earning assets | 0.6068% | 2,570 |
| Net interest margin | 3.6170% | 2,217 |
| Noninterest income to average assets | 0.5121% | 2,554 |
| Noninterest expense to average assets | 3.1720% | 1,120 |
| Loan and lease loss provision to assets | 0.1440% | 2,579 |
| Net operating income to assets | 0.6306% | 3,693 |
| Return on assets (ROA) | 0.6306% | 3,780 |
| Pretax return on assets | 0.6306% | 4,048 |
| Return on Equity (ROE) | 7.0627% | 3,170 |
| Retained earnings to average equity (ytd only) | 3.7285% | 3,183 |
| Net charge-offs to loans | -0.0738% | 4,766 |
| Credit loss provision to net charge-offs | -409.0909% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3731% | 846 |
| Assets per employee ($millions) | 3.2888% | 4,744 |
| Cash dividends to net income (ytd only)* | 47.2081% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,813 |
| Loan loss allowance to noncurrent loans | 32.9009% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.0372% | 315 |
| Noncurrent loans to loans | 4.1980% | 150 |
| Net loans and leases to total assets | 46.5934% | 4,285 |
| Net loans and leases to deposits | 51.3018% | 4,438 |
| Net loans and leases to core deposits | 54.4081% | 4,434 |
| Total domestic deposits to total assets | 90.8221% | 205 |
| Equity capital to assets | 8.8574% | 4,213 |
| Core capital (leverage) ratio | 8.6552% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,655,500 | 4,772 |
| Average earning assets | $39,553,000 | 4,745 |
| Average equity | $3,719,000 | 4,886 |
| Average total loans | $19,863,000 | 4,753 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,469 |
| Cost of funding earning assets | 0.6692% | 2,564 |
| Net interest margin | 3.6320% | 2,373 |
| Noninterest income to average assets | 0.5377% | 2,405 |
| Noninterest expense to average assets | 3.1728% | 1,208 |
| Loan and lease loss provision to assets | 0.1453% | 2,556 |
| Net operating income to assets | 0.6636% | 3,534 |
| Return on assets (ROA) | 0.6636% | 3,621 |
| Pretax return on assets | 0.6636% | 3,945 |
| Return on Equity (ROE) | 7.4128% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.0040% | 2,904 |
| Net charge-offs to loans | -0.0911% | 4,825 |
| Credit loss provision to net charge-offs | -333.3333% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6837% | 916 |
| Assets per employee ($millions) | 2.8323% | 4,900 |
| Cash dividends to net income (ytd only)* | 45.9854% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,350 |
| Loan loss allowance to noncurrent loans | 61.5023% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 1,099 |
| Noncurrent loans to loans | 1.9999% | 676 |
| Net loans and leases to total assets | 49.5210% | 4,184 |
| Net loans and leases to deposits | 54.5419% | 4,357 |
| Net loans and leases to core deposits | 57.8583% | 4,361 |
| Total domestic deposits to total assets | 90.7944% | 198 |
| Equity capital to assets | 8.8714% | 4,194 |
| Core capital (leverage) ratio | 8.6661% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,289,000 | 4,797 |
| Average earning assets | $39,151,667 | 4,771 |
| Average equity | $3,696,333 | 4,919 |
| Average total loans | $19,750,667 | 4,777 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 2,696 |
| Cost of funding earning assets | 0.7365% | 2,748 |
| Net interest margin | 3.6411% | 2,535 |
| Noninterest income to average assets | 0.6783% | 1,739 |
| Noninterest expense to average assets | 3.1751% | 1,475 |
| Loan and lease loss provision to assets | 0.1475% | 1,923 |
| Net operating income to assets | 0.8061% | 2,889 |
| Return on assets (ROA) | 0.8061% | 2,979 |
| Pretax return on assets | 0.8061% | 3,397 |
| Return on Equity (ROE) | 8.9617% | 2,125 |
| Retained earnings to average equity (ytd only) | 8.9617% | 985 |
| Net charge-offs to loans | -0.0843% | 4,785 |
| Credit loss provision to net charge-offs | -375.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9048% | 1,463 |
| Assets per employee ($millions) | 2.7516% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,472 |
| Loan loss allowance to noncurrent loans | 52.9670% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 1,094 |
| Noncurrent loans to loans | 2.3343% | 537 |
| Net loans and leases to total assets | 46.6420% | 4,395 |
| Net loans and leases to deposits | 52.4151% | 4,503 |
| Net loans and leases to core deposits | 55.7596% | 4,500 |
| Total domestic deposits to total assets | 88.9858% | 671 |
| Equity capital to assets | 8.9742% | 4,615 |
| Core capital (leverage) ratio | 9.1654% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,691,000 | 4,839 |
| Average earning assets | $38,560,000 | 4,809 |
| Average equity | $3,660,000 | 4,965 |
| Average total loans | $18,975,500 | 4,829 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 2,956 |
| Cost of funding earning assets | 0.7048% | 3,141 |
| Net interest margin | 3.7929% | 2,520 |
| Noninterest income to average assets | 0.5985% | 2,227 |
| Noninterest expense to average assets | 3.1786% | 1,572 |
| Loan and lease loss provision to assets | 0.1614% | 1,292 |
| Net operating income to assets | 0.8667% | 3,333 |
| Return on assets (ROA) | 0.8667% | 3,419 |
| Pretax return on assets | 0.8667% | 3,832 |
| Return on Equity (ROE) | 9.7579% | 2,410 |
| Retained earnings to average equity (ytd only) | 2.4604% | 3,799 |
| Net charge-offs to loans | 0.1867% | 1,081 |
| Credit loss provision to net charge-offs | 185.7143% | 1,423 |
| Earnings coverage of net charge-offs (x) | 11.8286% | 2,460 |
| Efficiency ratio | 75.5608% | 1,411 |
| Assets per employee ($millions) | 2.6739% | 4,949 |
| Cash dividends to net income (ytd only)* | 74.7851% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,392 |
| Loan loss allowance to noncurrent loans | 48.6900% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2042% | 971 |
| Noncurrent loans to loans | 2.4812% | 439 |
| Net loans and leases to total assets | 45.4672% | 4,540 |
| Net loans and leases to deposits | 50.9784% | 4,650 |
| Net loans and leases to core deposits | 54.3078% | 4,638 |
| Total domestic deposits to total assets | 89.1892% | 599 |
| Equity capital to assets | 9.0157% | 4,679 |
| Core capital (leverage) ratio | 8.9883% | 4,537 |
| Tier 1 risk-based capital ratio | 21.3781% | 1,103 |
| Total risk-based capital ratio | 22.6374% | 1,079 |
| Memoranda: | ||
| Average total assets | $40,269,000 | 4,890 |
| Average earning assets | $38,308,000 | 4,862 |
| Average equity | $3,576,600 | 5,028 |
| Average total loans | $18,745,400 | 4,890 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 3,126 |
| Cost of funding earning assets | 0.6873% | 3,273 |
| Net interest margin | 3.7940% | 2,622 |
| Noninterest income to average assets | 0.5921% | 2,249 |
| Noninterest expense to average assets | 3.1390% | 1,613 |
| Loan and lease loss provision to assets | 0.1753% | 1,051 |
| Net operating income to assets | 0.8931% | 3,372 |
| Return on assets (ROA) | 0.8931% | 3,446 |
| Pretax return on assets | 0.8931% | 3,890 |
| Return on Equity (ROE) | 10.0929% | 2,393 |
| Retained earnings to average equity (ytd only) | 5.3831% | 2,684 |
| Net charge-offs to loans | -0.0213% | 4,595 |
| Credit loss provision to net charge-offs | -1,766.6667% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6069% | 1,478 |
| Assets per employee ($millions) | 2.8796% | 4,945 |
| Cash dividends to net income (ytd only)* | 46.6680% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 1,975 |
| Loan loss allowance to noncurrent loans | 114.9533% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,228 |
| Noncurrent loans to loans | 1.1290% | 1,407 |
| Net loans and leases to total assets | 46.4057% | 4,584 |
| Net loans and leases to deposits | 51.2169% | 4,738 |
| Net loans and leases to core deposits | 54.4724% | 4,729 |
| Total domestic deposits to total assets | 90.6062% | 150 |
| Equity capital to assets | 9.1383% | 4,705 |
| Core capital (leverage) ratio | 9.0535% | 4,596 |
| Tier 1 risk-based capital ratio | 22.1100% | 1,055 |
| Total risk-based capital ratio | 23.3622% | 1,025 |
| Memoranda: | ||
| Average total assets | $40,309,250 | 4,961 |
| Average earning assets | $38,410,500 | 4,931 |
| Average equity | $3,566,750 | 5,102 |
| Average total loans | $18,817,000 | 4,963 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 3,262 |
| Cost of funding earning assets | 0.6665% | 3,332 |
| Net interest margin | 3.7593% | 2,719 |
| Noninterest income to average assets | 0.6004% | 2,153 |
| Noninterest expense to average assets | 3.1408% | 1,633 |
| Loan and lease loss provision to assets | 0.1489% | 1,236 |
| Net operating income to assets | 0.8931% | 3,314 |
| Return on assets (ROA) | 0.8931% | 3,377 |
| Pretax return on assets | 0.8931% | 3,866 |
| Return on Equity (ROE) | 10.2050% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.6333% | 1,988 |
| Net charge-offs to loans | -0.0426% | 4,790 |
| Credit loss provision to net charge-offs | -750.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0890% | 1,506 |
| Assets per employee ($millions) | 2.9012% | 4,965 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,618 |
| Loan loss allowance to noncurrent loans | 94.5378% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 2,094 |
| Noncurrent loans to loans | 1.2503% | 1,273 |
| Net loans and leases to total assets | 46.3107% | 4,631 |
| Net loans and leases to deposits | 50.9867% | 4,770 |
| Net loans and leases to core deposits | 54.1794% | 4,776 |
| Total domestic deposits to total assets | 90.8290% | 125 |
| Equity capital to assets | 8.9741% | 4,811 |
| Core capital (leverage) ratio | 8.9884% | 4,634 |
| Tier 1 risk-based capital ratio | 21.9188% | 1,064 |
| Total risk-based capital ratio | 23.1694% | 1,039 |
| Memoranda: | ||
| Average total assets | $40,307,670 | 5,001 |
| Average earning assets | $38,411,670 | 4,974 |
| Average equity | $3,527,670 | 5,147 |
| Average total loans | $18,771,330 | 5,004 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 3,169 |
| Cost of funding earning assets | 0.6368% | 3,372 |
| Net interest margin | 3.7789% | 2,603 |
| Noninterest income to average assets | 0.6276% | 1,924 |
| Noninterest expense to average assets | 3.1480% | 1,620 |
| Loan and lease loss provision to assets | 0.1494% | 1,130 |
| Net operating income to assets | 0.9364% | 3,106 |
| Return on assets (ROA) | 0.9364% | 3,148 |
| Pretax return on assets | 0.9364% | 3,652 |
| Return on Equity (ROE) | 10.8389% | 2,009 |
| Retained earnings to average equity (ytd only) | 3.5745% | 3,488 |
| Net charge-offs to loans | 0.1288% | 973 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,631 |
| Efficiency ratio | 74.3529% | 1,704 |
| Assets per employee ($millions) | 3.1039% | 4,909 |
| Cash dividends to net income (ytd only)* | 67.0213% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,390 |
| Loan loss allowance to noncurrent loans | 109.9448% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 2,562 |
| Noncurrent loans to loans | 0.9583% | 1,742 |
| Net loans and leases to total assets | 46.3161% | 4,655 |
| Net loans and leases to deposits | 50.9098% | 4,790 |
| Net loans and leases to core deposits | 54.1020% | 4,781 |
| Total domestic deposits to total assets | 90.9767% | 177 |
| Equity capital to assets | 8.6838% | 4,887 |
| Core capital (leverage) ratio | 8.7259% | 4,847 |
| Tier 1 risk-based capital ratio | 20.5167% | 1,243 |
| Total risk-based capital ratio | 21.6694% | 1,239 |
| Memoranda: | ||
| Average total assets | $40,153,000 | 5,058 |
| Average earning assets | $38,318,500 | 5,029 |
| Average equity | $3,469,000 | 5,201 |
| Average total loans | $18,639,500 | 5,065 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,603 |
| Cost of funding earning assets | 0.4800% | 3,479 |
| Net interest margin | 3.6640% | 3,179 |
| Noninterest income to average assets | 0.6064% | 2,256 |
| Noninterest expense to average assets | 3.1590% | 1,649 |
| Loan and lease loss provision to assets | 0.2485% | 693 |
| Net operating income to assets | 0.6711% | 4,230 |
| Return on assets (ROA) | 0.6711% | 4,238 |
| Pretax return on assets | 0.6711% | 4,487 |
| Return on Equity (ROE) | 7.9072% | 3,482 |
| Retained earnings to average equity (ytd only) | 2.7529% | 4,022 |
| Net charge-offs to loans | 0.5034% | 354 |
| Credit loss provision to net charge-offs | 107.5269% | 2,382 |
| Earnings coverage of net charge-offs (x) | 3.9785% | 3,354 |
| Efficiency ratio | 77.4528% | 1,187 |
| Assets per employee ($millions) | 2.8539% | 5,070 |
| Cash dividends to net income (ytd only)* | 65.1852% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,485 |
| Loan loss allowance to noncurrent loans | 154.4715% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 3,038 |
| Noncurrent loans to loans | 0.6688% | 2,321 |
| Net loans and leases to total assets | 45.5537% | 4,757 |
| Net loans and leases to deposits | 50.1986% | 4,876 |
| Net loans and leases to core deposits | 53.2832% | 4,869 |
| Total domestic deposits to total assets | 90.7471% | 261 |
| Equity capital to assets | 8.5947% | 4,873 |
| Core capital (leverage) ratio | 8.8236% | 4,793 |
| Tier 1 risk-based capital ratio | 20.2118% | 1,271 |
| Total risk-based capital ratio | 21.3056% | 1,267 |
| Memoranda: | ||
| Average total assets | $40,234,400 | 5,096 |
| Average earning assets | $38,128,200 | 5,069 |
| Average equity | $3,414,600 | 5,244 |
| Average total loans | $18,474,400 | 5,107 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,862 |
| Cost of funding earning assets | 0.4468% | 3,541 |
| Net interest margin | 3.5746% | 3,449 |
| Noninterest income to average assets | 0.6186% | 2,221 |
| Noninterest expense to average assets | 3.1493% | 1,646 |
| Loan and lease loss provision to assets | 0.1489% | 1,331 |
| Net operating income to assets | 0.7079% | 4,200 |
| Return on assets (ROA) | 0.7079% | 4,210 |
| Pretax return on assets | 0.7079% | 4,516 |
| Return on Equity (ROE) | 8.3681% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.1782% | 2,559 |
| Net charge-offs to loans | 0.9660% | 146 |
| Credit loss provision to net charge-offs | 33.5821% | 2,949 |
| Earnings coverage of net charge-offs (x) | 1.9328% | 3,300 |
| Efficiency ratio | 78.6127% | 1,063 |
| Assets per employee ($millions) | 2.8002% | 5,154 |
| Cash dividends to net income (ytd only)* | 26.1662% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5288% | 5,153 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 2,809 |
| Noncurrent loans to loans | 0.7403% | 2,235 |
| Net loans and leases to total assets | 45.5832% | 4,819 |
| Net loans and leases to deposits | 50.1220% | 4,950 |
| Net loans and leases to core deposits | 53.2463% | 4,930 |
| Total domestic deposits to total assets | 90.9446% | 236 |
| Equity capital to assets | 8.8157% | 4,710 |
| Core capital (leverage) ratio | 8.9195% | 4,782 |
| Tier 1 risk-based capital ratio | 20.9662% | 1,190 |
| Total risk-based capital ratio | 21.5232% | 1,264 |
| Memoranda: | ||
| Average total assets | $40,304,250 | 5,158 |
| Average earning assets | $38,195,000 | 5,134 |
| Average equity | $3,409,750 | 5,314 |
| Average total loans | $18,495,250 | 5,169 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,775 |
| Cost of funding earning assets | 0.4253% | 3,535 |
| Net interest margin | 3.5784% | 3,393 |
| Noninterest income to average assets | 0.6294% | 2,182 |
| Noninterest expense to average assets | 3.1472% | 1,670 |
| Loan and lease loss provision to assets | 0.1475% | 1,288 |
| Net operating income to assets | 0.7278% | 4,113 |
| Return on assets (ROA) | 0.7278% | 4,113 |
| Pretax return on assets | 0.7278% | 4,444 |
| Return on Equity (ROE) | 8.7204% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.4208% | 2,862 |
| Net charge-offs to loans | 0.2249% | 709 |
| Credit loss provision to net charge-offs | 142.8571% | 1,621 |
| Earnings coverage of net charge-offs (x) | 8.4762% | 2,472 |
| Efficiency ratio | 78.2396% | 1,179 |
| Assets per employee ($millions) | 2.7177% | 5,253 |
| Cash dividends to net income (ytd only)* | 37.8378% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,694 |
| Loan loss allowance to noncurrent loans | 56.9322% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 1,576 |
| Noncurrent loans to loans | 1.7979% | 867 |
| Net loans and leases to total assets | 45.7783% | 4,836 |
| Net loans and leases to deposits | 51.1680% | 4,942 |
| Net loans and leases to core deposits | 54.2737% | 4,925 |
| Total domestic deposits to total assets | 89.4667% | 753 |
| Equity capital to assets | 8.3795% | 5,031 |
| Core capital (leverage) ratio | 8.7018% | 4,955 |
| Tier 1 risk-based capital ratio | 19.5662% | 1,414 |
| Total risk-based capital ratio | 20.6424% | 1,417 |
| Memoranda: | ||
| Average total assets | $40,671,330 | 5,211 |
| Average earning assets | $38,564,670 | 5,187 |
| Average equity | $3,394,330 | 5,375 |
| Average total loans | $18,672,000 | 5,224 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 3,897 |
| Cost of funding earning assets | 0.3922% | 3,646 |
| Net interest margin | 3.5194% | 3,466 |
| Noninterest income to average assets | 0.6499% | 2,030 |
| Noninterest expense to average assets | 3.1312% | 1,739 |
| Loan and lease loss provision to assets | 0.1477% | 1,235 |
| Net operating income to assets | 0.7286% | 3,990 |
| Return on assets (ROA) | 0.7286% | 3,998 |
| Pretax return on assets | 0.7286% | 4,363 |
| Return on Equity (ROE) | 8.7483% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.7483% | 1,555 |
| Net charge-offs to loans | -0.0215% | 4,598 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1327% | 1,342 |
| Assets per employee ($millions) | 2.9234% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,763 |
| Loan loss allowance to noncurrent loans | 63.1746% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 1,673 |
| Noncurrent loans to loans | 1.6355% | 1,059 |
| Net loans and leases to total assets | 46.5732% | 4,767 |
| Net loans and leases to deposits | 51.6712% | 4,892 |
| Net loans and leases to core deposits | 54.6834% | 4,894 |
| Total domestic deposits to total assets | 90.1337% | 609 |
| Equity capital to assets | 8.3270% | 5,093 |
| Core capital (leverage) ratio | 8.5943% | 5,069 |
| Tier 1 risk-based capital ratio | 19.2830% | 1,480 |
| Total risk-based capital ratio | 20.3822% | 1,481 |
| Memoranda: | ||
| Average total assets | $40,624,000 | 5,268 |
| Average earning assets | $38,757,000 | 5,242 |
| Average equity | $3,383,500 | 5,430 |
| Average total loans | $18,580,500 | 5,285 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 4,608 |
| Cost of funding earning assets | 0.3885% | 3,346 |
| Net interest margin | 3.1930% | 4,463 |
| Noninterest income to average assets | 0.6818% | 2,042 |
| Noninterest expense to average assets | 3.0488% | 2,013 |
| Loan and lease loss provision to assets | 0.1200% | 1,909 |
| Net operating income to assets | 0.5714% | 4,138 |
| Return on assets (ROA) | 0.5738% | 4,159 |
| Pretax return on assets | 0.5738% | 4,797 |
| Return on Equity (ROE) | 7.0664% | 3,237 |
| Retained earnings to average equity (ytd only) | 1.3896% | 4,450 |
| Net charge-offs to loans | -0.0217% | 4,979 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5148% | 965 |
| Assets per employee ($millions) | 2.8801% | 5,274 |
| Cash dividends to net income (ytd only)* | 80.3347% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,795 |
| Loan loss allowance to noncurrent loans | 53.9823% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 1,629 |
| Noncurrent loans to loans | 1.8937% | 824 |
| Net loans and leases to total assets | 43.9424% | 4,978 |
| Net loans and leases to deposits | 47.9669% | 5,127 |
| Net loans and leases to core deposits | 51.2051% | 5,092 |
| Total domestic deposits to total assets | 91.6098% | 124 |
| Equity capital to assets | 8.3306% | 5,241 |
| Core capital (leverage) ratio | 8.4123% | 5,213 |
| Tier 1 risk-based capital ratio | 19.8213% | 1,355 |
| Total risk-based capital ratio | 20.8829% | 1,365 |
| Memoranda: | ||
| Average total assets | $41,655,200 | 5,305 |
| Average earning assets | $39,899,800 | 5,274 |
| Average equity | $3,382,200 | 5,491 |
| Average total loans | $18,393,800 | 5,345 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 4,711 |
| Cost of funding earning assets | 0.3973% | 3,226 |
| Net interest margin | 3.1449% | 4,590 |
| Noninterest income to average assets | 0.7018% | 1,993 |
| Noninterest expense to average assets | 3.0007% | 2,103 |
| Loan and lease loss provision to assets | 0.1143% | 1,886 |
| Net operating income to assets | 0.6033% | 4,381 |
| Return on assets (ROA) | 0.6065% | 4,408 |
| Pretax return on assets | 0.6065% | 4,830 |
| Return on Equity (ROE) | 7.5165% | 3,381 |
| Retained earnings to average equity (ytd only) | 3.7385% | 3,697 |
| Net charge-offs to loans | -0.0216% | 4,874 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7003% | 1,023 |
| Assets per employee ($millions) | 2.9488% | 5,299 |
| Cash dividends to net income (ytd only)* | 50.2631% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,568 |
| Loan loss allowance to noncurrent loans | 43.1877% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 1,604 |
| Noncurrent loans to loans | 2.0859% | 800 |
| Net loans and leases to total assets | 44.7666% | 4,994 |
| Net loans and leases to deposits | 49.5549% | 5,142 |
| Net loans and leases to core deposits | 53.5976% | 5,082 |
| Total domestic deposits to total assets | 90.3374% | 369 |
| Equity capital to assets | 8.3012% | 5,393 |
| Core capital (leverage) ratio | 8.3803% | 5,328 |
| Tier 1 risk-based capital ratio | 19.4893% | 1,482 |
| Total risk-based capital ratio | 20.4342% | 1,501 |
| Memoranda: | ||
| Average total assets | $41,988,750 | 5,364 |
| Average earning assets | $40,276,500 | 5,322 |
| Average equity | $3,388,000 | 5,554 |
| Average total loans | $18,517,000 | 5,400 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 4,823 |
| Cost of funding earning assets | 0.3686% | 3,395 |
| Net interest margin | 3.1063% | 4,662 |
| Noninterest income to average assets | 0.7531% | 1,761 |
| Noninterest expense to average assets | 2.9841% | 2,161 |
| Loan and lease loss provision to assets | 0.0947% | 2,093 |
| Net operating income to assets | 0.6679% | 3,990 |
| Return on assets (ROA) | 0.6679% | 4,050 |
| Pretax return on assets | 0.6679% | 4,634 |
| Return on Equity (ROE) | 8.3556% | 2,847 |
| Retained earnings to average equity (ytd only) | 5.5111% | 2,400 |
| Net charge-offs to loans | -0.0217% | 4,807 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6460% | 1,257 |
| Assets per employee ($millions) | 3.0572% | 5,218 |
| Cash dividends to net income (ytd only)* | 34.0426% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,896 |
| Loan loss allowance to noncurrent loans | 43.5159% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,845 |
| Noncurrent loans to loans | 1.8819% | 929 |
| Net loans and leases to total assets | 42.7280% | 5,108 |
| Net loans and leases to deposits | 47.8906% | 5,216 |
| Net loans and leases to core deposits | 51.2140% | 5,179 |
| Total domestic deposits to total assets | 89.2199% | 849 |
| Equity capital to assets | 8.0138% | 5,533 |
| Core capital (leverage) ratio | 8.1503% | 5,459 |
| Tier 1 risk-based capital ratio | 19.2293% | 1,540 |
| Total risk-based capital ratio | 20.0677% | 1,594 |
| Memoranda: | ||
| Average total assets | $42,224,000 | 5,403 |
| Average earning assets | $40,692,000 | 5,355 |
| Average equity | $3,375,000 | 5,599 |
| Average total loans | $18,473,000 | 5,450 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 4,872 |
| Cost of funding earning assets | 0.3549% | 3,474 |
| Net interest margin | 3.0760% | 4,718 |
| Noninterest income to average assets | 0.7535% | 1,732 |
| Noninterest expense to average assets | 3.0428% | 2,039 |
| Loan and lease loss provision to assets | 0.0572% | 2,659 |
| Net operating income to assets | 0.6295% | 4,020 |
| Return on assets (ROA) | 0.6295% | 4,068 |
| Pretax return on assets | 0.6295% | 4,662 |
| Return on Equity (ROE) | 7.8865% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.8865% | 1,507 |
| Net charge-offs to loans | -0.1298% | 5,524 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5857% | 1,195 |
| Assets per employee ($millions) | 3.0284% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,163 |
| Loan loss allowance to noncurrent loans | 43.7888% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,057 |
| Noncurrent loans to loans | 1.7443% | 1,095 |
| Net loans and leases to total assets | 43.2082% | 5,086 |
| Net loans and leases to deposits | 47.0792% | 5,261 |
| Net loans and leases to core deposits | 49.7191% | 5,233 |
| Total domestic deposits to total assets | 91.7777% | 132 |
| Equity capital to assets | 7.9911% | 5,522 |
| Core capital (leverage) ratio | 8.2024% | 5,447 |
| Tier 1 risk-based capital ratio | 18.8274% | 1,649 |
| Total risk-based capital ratio | 19.6000% | 1,738 |
| Memoranda: | ||
| Average total assets | $41,935,500 | 5,467 |
| Average earning assets | $40,572,000 | 5,417 |
| Average equity | $3,347,500 | 5,662 |
| Average total loans | $18,490,000 | 5,509 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,228 |
| Cost of funding earning assets | 0.3429% | 3,604 |
| Net interest margin | 2.9130% | 5,116 |
| Noninterest income to average assets | 0.8250% | 1,662 |
| Noninterest expense to average assets | 3.1534% | 1,887 |
| Loan and lease loss provision to assets | 0.2093% | 1,083 |
| Net operating income to assets | 0.2622% | 5,298 |
| Return on assets (ROA) | 0.2622% | 5,367 |
| Pretax return on assets | 0.2622% | 5,415 |
| Return on Equity (ROE) | 3.3163% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.3163% | 3,556 |
| Net charge-offs to loans | 0.2376% | 1,175 |
| Credit loss provision to net charge-offs | 207.1429% | 1,374 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,466 |
| Efficiency ratio | 86.9940% | 754 |
| Assets per employee ($millions) | 2.9624% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 5,365 |
| Loan loss allowance to noncurrent loans | 38.7387% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 1,956 |
| Noncurrent loans to loans | 1.7981% | 1,053 |
| Net loans and leases to total assets | 44.3434% | 5,094 |
| Net loans and leases to deposits | 48.4956% | 5,275 |
| Net loans and leases to core deposits | 51.1429% | 5,263 |
| Total domestic deposits to total assets | 91.4380% | 171 |
| Equity capital to assets | 7.9737% | 5,579 |
| Core capital (leverage) ratio | 8.0645% | 5,582 |
| Tier 1 risk-based capital ratio | 18.7514% | 1,668 |
| Total risk-based capital ratio | 19.4692% | 1,754 |
| Memoranda: | ||
| Average total assets | $41,574,600 | 5,514 |
| Average earning assets | $39,958,600 | 5,472 |
| Average equity | $3,286,800 | 5,727 |
| Average total loans | $17,680,200 | 5,586 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1616% | 5,419 |
| Cost of funding earning assets | 0.3368% | 3,691 |
| Net interest margin | 2.8248% | 5,314 |
| Noninterest income to average assets | 0.8397% | 1,607 |
| Noninterest expense to average assets | 3.1185% | 1,981 |
| Loan and lease loss provision to assets | 0.2724% | 650 |
| Net operating income to assets | 0.1635% | 5,528 |
| Return on assets (ROA) | 0.1635% | 5,584 |
| Pretax return on assets | 0.1635% | 5,604 |
| Return on Equity (ROE) | 2.0721% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.0721% | 4,657 |
| Net charge-offs to loans | 0.3282% | 703 |
| Credit loss provision to net charge-offs | 197.6744% | 1,453 |
| Earnings coverage of net charge-offs (x) | 3.1629% | 3,460 |
| Efficiency ratio | 87.7367% | 691 |
| Assets per employee ($millions) | 3.0275% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 5,433 |
| Loan loss allowance to noncurrent loans | 36.2069% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 2,110 |
| Noncurrent loans to loans | 1.9280% | 1,036 |
| Net loans and leases to total assets | 42.2885% | 5,281 |
| Net loans and leases to deposits | 46.4364% | 5,444 |
| Net loans and leases to core deposits | 48.9392% | 5,422 |
| Total domestic deposits to total assets | 91.0676% | 179 |
| Equity capital to assets | 7.8660% | 5,780 |
| Core capital (leverage) ratio | 7.8452% | 5,744 |
| Tier 1 risk-based capital ratio | 18.3551% | 1,818 |
| Total risk-based capital ratio | 19.0534% | 1,936 |
| Memoranda: | ||
| Average total assets | $41,599,750 | 5,569 |
| Average earning assets | $39,979,000 | 5,526 |
| Average equity | $3,281,750 | 5,789 |
| Average total loans | $17,470,250 | 5,649 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1488% | 5,497 |
| Cost of funding earning assets | 0.3320% | 3,774 |
| Net interest margin | 2.8169% | 5,399 |
| Noninterest income to average assets | 0.8709% | 1,468 |
| Noninterest expense to average assets | 3.1496% | 1,929 |
| Loan and lease loss provision to assets | 0.4112% | 364 |
| Net operating income to assets | 0.0194% | 5,752 |
| Return on assets (ROA) | 0.0194% | 5,784 |
| Pretax return on assets | 0.0194% | 5,781 |
| Return on Equity (ROE) | 0.2451% | 5,777 |
| Retained earnings to average equity (ytd only) | 0.2451% | 5,231 |
| Net charge-offs to loans | 0.5093% | 427 |
| Credit loss provision to net charge-offs | 193.1818% | 1,334 |
| Earnings coverage of net charge-offs (x) | 2.0227% | 3,338 |
| Efficiency ratio | 87.9730% | 724 |
| Assets per employee ($millions) | 2.9775% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 5,487 |
| Loan loss allowance to noncurrent loans | 68.3060% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 3,211 |
| Noncurrent loans to loans | 1.0484% | 2,187 |
| Net loans and leases to total assets | 41.5761% | 5,351 |
| Net loans and leases to deposits | 45.1775% | 5,524 |
| Net loans and leases to core deposits | 47.5591% | 5,516 |
| Total domestic deposits to total assets | 92.0283% | 80 |
| Equity capital to assets | 7.8637% | 5,843 |
| Core capital (leverage) ratio | 7.7513% | 5,833 |
| Tier 1 risk-based capital ratio | 18.5248% | 1,793 |
| Total risk-based capital ratio | 19.2340% | 1,900 |
| Memoranda: | ||
| Average total assets | $41,338,000 | 5,633 |
| Average earning assets | $39,760,670 | 5,589 |
| Average equity | $3,264,330 | 5,857 |
| Average total loans | $17,277,000 | 5,727 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 5,620 |
| Cost of funding earning assets | 0.3247% | 3,903 |
| Net interest margin | 2.7603% | 5,529 |
| Noninterest income to average assets | 0.9814% | 1,122 |
| Noninterest expense to average assets | 3.1872% | 1,868 |
| Loan and lease loss provision to assets | 0.1458% | 1,449 |
| Net operating income to assets | 0.2915% | 5,330 |
| Return on assets (ROA) | 0.2915% | 5,410 |
| Pretax return on assets | 0.2915% | 5,521 |
| Return on Equity (ROE) | 3.6838% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.6838% | 3,650 |
| Net charge-offs to loans | 0.1862% | 1,049 |
| Credit loss provision to net charge-offs | 187.5000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 2,316 |
| Efficiency ratio | 87.9357% | 822 |
| Assets per employee ($millions) | 2.9786% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 5,833 |
| Loan loss allowance to noncurrent loans | 57.9618% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 3,395 |
| Noncurrent loans to loans | 0.9202% | 2,552 |
| Net loans and leases to total assets | 40.6969% | 5,420 |
| Net loans and leases to deposits | 44.2172% | 5,581 |
| Net loans and leases to core deposits | 45.6627% | 5,605 |
| Total domestic deposits to total assets | 92.0386% | 106 |
| Equity capital to assets | 7.8895% | 5,863 |
| Core capital (leverage) ratio | 8.0157% | 5,764 |
| Tier 1 risk-based capital ratio | 17.8713% | 2,022 |
| Total risk-based capital ratio | 18.3655% | 2,213 |
| Memoranda: | ||
| Average total assets | $41,164,500 | 5,689 |
| Average earning assets | $39,416,000 | 5,647 |
| Average equity | $3,257,500 | 5,913 |
| Average total loans | $17,187,500 | 5,784 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 5,347 |
| Cost of funding earning assets | 0.3726% | 3,454 |
| Net interest margin | 2.9297% | 5,290 |
| Noninterest income to average assets | 0.9310% | 1,355 |
| Noninterest expense to average assets | 3.2258% | 1,898 |
| Loan and lease loss provision to assets | 0.1886% | 1,181 |
| Net operating income to assets | 0.3119% | 5,326 |
| Return on assets (ROA) | -0.6021% | 6,062 |
| Pretax return on assets | -0.6021% | 6,058 |
| Return on Equity (ROE) | -7.8907% | 6,081 |
| Retained earnings to average equity (ytd only) | -7.8907% | 5,996 |
| Net charge-offs to loans | 0.6931% | 344 |
| Credit loss provision to net charge-offs | 66.6667% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.7692% | 4,033 |
| Efficiency ratio | 86.5672% | 959 |
| Assets per employee ($millions) | 2.9020% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4852% | 5,932 |
| Loan loss allowance to noncurrent loans | 35.8974% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,769 |
| Noncurrent loans to loans | 1.3516% | 1,737 |
| Net loans and leases to total assets | 42.4067% | 5,383 |
| Net loans and leases to deposits | 46.0853% | 5,557 |
| Net loans and leases to core deposits | 46.9187% | 5,607 |
| Total domestic deposits to total assets | 92.0178% | 112 |
| Equity capital to assets | 7.9379% | 5,877 |
| Core capital (leverage) ratio | 7.9970% | 5,839 |
| Tier 1 risk-based capital ratio | 17.8822% | 1,995 |
| Total risk-based capital ratio | 18.3428% | 2,206 |
| Memoranda: | ||
| Average total assets | $41,353,600 | 5,735 |
| Average earning assets | $39,457,600 | 5,695 |
| Average equity | $3,155,600 | 5,979 |
| Average total loans | $16,879,800 | 5,833 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3729% | 5,267 |
| Cost of funding earning assets | 0.3792% | 3,447 |
| Net interest margin | 2.9937% | 5,206 |
| Noninterest income to average assets | 0.9470% | 1,327 |
| Noninterest expense to average assets | 3.2004% | 1,961 |
| Loan and lease loss provision to assets | 0.2247% | 824 |
| Net operating income to assets | 0.3852% | 5,213 |
| Return on assets (ROA) | -0.8282% | 6,179 |
| Pretax return on assets | -0.8282% | 6,172 |
| Return on Equity (ROE) | -10.9612% | 6,190 |
| Retained earnings to average equity (ytd only) | -10.9612% | 6,139 |
| Net charge-offs to loans | 0.8347% | 242 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 1.8095% | 3,774 |
| Efficiency ratio | 83.9933% | 1,172 |
| Assets per employee ($millions) | 2.7219% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5098% | 6,009 |
| Loan loss allowance to noncurrent loans | 38.5965% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 3,082 |
| Noncurrent loans to loans | 1.3209% | 1,929 |
| Net loans and leases to total assets | 42.0618% | 5,487 |
| Net loans and leases to deposits | 45.7617% | 5,658 |
| Net loans and leases to core deposits | 46.5847% | 5,713 |
| Total domestic deposits to total assets | 91.9149% | 107 |
| Equity capital to assets | 7.9161% | 5,988 |
| Core capital (leverage) ratio | 7.7612% | 5,994 |
| Tier 1 risk-based capital ratio | 17.6586% | 2,134 |
| Total risk-based capital ratio | 18.1364% | 2,372 |
| Memoranda: | ||
| Average total assets | $41,535,000 | 5,803 |
| Average earning assets | $39,727,000 | 5,758 |
| Average equity | $3,138,250 | 6,065 |
| Average total loans | $16,771,500 | 5,913 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 5,061 |
| Cost of funding earning assets | 0.3907% | 3,365 |
| Net interest margin | 3.0809% | 5,015 |
| Noninterest income to average assets | 0.9097% | 1,414 |
| Noninterest expense to average assets | 3.1793% | 2,035 |
| Loan and lease loss provision to assets | 0.3016% | 511 |
| Net operating income to assets | 0.3735% | 5,224 |
| Return on assets (ROA) | 0.3735% | 5,338 |
| Pretax return on assets | 0.3735% | 5,528 |
| Return on Equity (ROE) | 5.0209% | 4,606 |
| Retained earnings to average equity (ytd only) | 5.0209% | 2,850 |
| Net charge-offs to loans | 0.5539% | 442 |
| Credit loss provision to net charge-offs | 136.9565% | 1,630 |
| Earnings coverage of net charge-offs (x) | 3.0652% | 3,247 |
| Efficiency ratio | 82.4845% | 1,432 |
| Assets per employee ($millions) | 2.9804% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 5,480 |
| Loan loss allowance to noncurrent loans | 82.3529% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 3,695 |
| Noncurrent loans to loans | 1.0268% | 2,593 |
| Net loans and leases to total assets | 39.3457% | 5,666 |
| Net loans and leases to deposits | 42.4519% | 5,820 |
| Net loans and leases to core deposits | 43.1913% | 5,858 |
| Total domestic deposits to total assets | 92.6830% | 70 |
| Equity capital to assets | 7.1971% | 6,164 |
| Core capital (leverage) ratio | 8.4372% | 5,590 |
| Tier 1 risk-based capital ratio | 18.5187% | 1,914 |
| Total risk-based capital ratio | 19.2413% | 2,023 |
| Memoranda: | ||
| Average total assets | $41,770,670 | 5,862 |
| Average earning assets | $39,923,330 | 5,816 |
| Average equity | $3,107,000 | 6,133 |
| Average total loans | $16,608,330 | 5,981 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 5,214 |
| Cost of funding earning assets | 0.3995% | 3,311 |
| Net interest margin | 2.9965% | 5,225 |
| Noninterest income to average assets | 0.9667% | 1,198 |
| Noninterest expense to average assets | 3.1392% | 2,162 |
| Loan and lease loss provision to assets | 0.2106% | 851 |
| Net operating income to assets | 0.4881% | 4,742 |
| Return on assets (ROA) | 0.4881% | 4,865 |
| Pretax return on assets | 0.4881% | 5,214 |
| Return on Equity (ROE) | 6.4577% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.4577% | 2,259 |
| Net charge-offs to loans | 0.1683% | 1,265 |
| Credit loss provision to net charge-offs | 314.2857% | 784 |
| Earnings coverage of net charge-offs (x) | 10.4286% | 1,938 |
| Efficiency ratio | 81.7955% | 1,647 |
| Assets per employee ($millions) | 3.0422% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 5,616 |
| Loan loss allowance to noncurrent loans | 53.4884% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 3,349 |
| Noncurrent loans to loans | 1.5563% | 1,803 |
| Net loans and leases to total assets | 38.5997% | 5,687 |
| Net loans and leases to deposits | 41.9484% | 5,836 |
| Net loans and leases to core deposits | 42.6681% | 5,876 |
| Total domestic deposits to total assets | 92.0171% | 143 |
| Equity capital to assets | 7.8773% | 6,075 |
| Core capital (leverage) ratio | 8.4065% | 5,622 |
| Tier 1 risk-based capital ratio | 17.9948% | 2,139 |
| Total risk-based capital ratio | 18.6467% | 2,293 |
| Memoranda: | ||
| Average total assets | $41,793,500 | 5,921 |
| Average earning assets | $40,047,000 | 5,867 |
| Average equity | $3,159,000 | 6,179 |
| Average total loans | $16,634,000 | 6,032 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 4,939 |
| Cost of funding earning assets | 0.4548% | 3,124 |
| Net interest margin | 3.1936% | 4,943 |
| Noninterest income to average assets | 0.8981% | 1,505 |
| Noninterest expense to average assets | 3.0815% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8593% | 3,063 |
| Return on assets (ROA) | 0.8448% | 3,240 |
| Pretax return on assets | 0.8448% | 4,093 |
| Return on Equity (ROE) | 14.3009% | 879 |
| Retained earnings to average equity (ytd only) | 2.0079% | 4,782 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1941% | 2,188 |
| Assets per employee ($millions) | 2.9283% | 5,789 |
| Cash dividends to net income (ytd only)* | 85.9599% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 5,910 |
| Loan loss allowance to noncurrent loans | 57.2093% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 3,652 |
| Noncurrent loans to loans | 1.2882% | 2,297 |
| Net loans and leases to total assets | 40.4113% | 5,716 |
| Net loans and leases to deposits | 43.6422% | 5,893 |
| Net loans and leases to core deposits | 44.4132% | 5,946 |
| Total domestic deposits to total assets | 92.5968% | 90 |
| Equity capital to assets | 7.2275% | 6,299 |
| Core capital (leverage) ratio | 8.2604% | 5,812 |
| Tier 1 risk-based capital ratio | 17.4844% | 2,322 |
| Total risk-based capital ratio | 18.0971% | 2,522 |
| Memoranda: | ||
| Average total assets | $41,310,800 | 6,004 |
| Average earning assets | $39,359,600 | 5,939 |
| Average equity | $2,440,400 | 6,361 |
| Average total loans | $15,994,400 | 6,128 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,856 |
| Cost of funding earning assets | 0.4562% | 3,174 |
| Net interest margin | 3.2444% | 4,809 |
| Noninterest income to average assets | 0.9149% | 1,472 |
| Noninterest expense to average assets | 3.0152% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9922% | 2,483 |
| Return on assets (ROA) | 0.9729% | 2,650 |
| Pretax return on assets | 0.9729% | 3,707 |
| Return on Equity (ROE) | 17.4331% | 503 |
| Retained earnings to average equity (ytd only) | 7.0423% | 1,801 |
| Net charge-offs to loans | 0.0169% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 153.8052% | 406 |
| Efficiency ratio | 75.2412% | 2,629 |
| Assets per employee ($millions) | 2.9900% | 5,731 |
| Cash dividends to net income (ytd only)* | 59.6012% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 5,976 |
| Loan loss allowance to noncurrent loans | 66.1202% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 4,158 |
| Noncurrent loans to loans | 1.1431% | 2,771 |
| Net loans and leases to total assets | 37.9551% | 5,946 |
| Net loans and leases to deposits | 40.6738% | 6,094 |
| Net loans and leases to core deposits | 41.3707% | 6,142 |
| Total domestic deposits to total assets | 93.3158% | 66 |
| Equity capital to assets | 6.4429% | 6,451 |
| Core capital (leverage) ratio | 8.3645% | 5,791 |
| Tier 1 risk-based capital ratio | 18.2267% | 2,142 |
| Total risk-based capital ratio | 18.8422% | 2,319 |
| Memoranda: | ||
| Average total assets | $41,389,500 | 6,076 |
| Average earning assets | $39,452,250 | 6,005 |
| Average equity | $2,309,750 | 6,446 |
| Average total loans | $15,820,500 | 6,200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,661 |
| Cost of funding earning assets | 0.4532% | 3,290 |
| Net interest margin | 3.3049% | 4,566 |
| Noninterest income to average assets | 0.9119% | 1,462 |
| Noninterest expense to average assets | 3.0267% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0332% | 2,190 |
| Return on assets (ROA) | 1.0332% | 2,256 |
| Pretax return on assets | 1.0332% | 3,349 |
| Return on Equity (ROE) | 19.5353% | 316 |
| Retained earnings to average equity (ytd only) | 3.0266% | 4,280 |
| Net charge-offs to loans | -0.1142% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5520% | 2,882 |
| Assets per employee ($millions) | 2.7661% | 6,069 |
| Cash dividends to net income (ytd only)* | 84.5070% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 5,940 |
| Loan loss allowance to noncurrent loans | 91.7241% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 4,562 |
| Noncurrent loans to loans | 0.8866% | 3,488 |
| Net loans and leases to total assets | 39.0952% | 5,888 |
| Net loans and leases to deposits | 41.8758% | 6,070 |
| Net loans and leases to core deposits | 42.5983% | 6,127 |
| Total domestic deposits to total assets | 93.3600% | 69 |
| Equity capital to assets | 6.1025% | 6,524 |
| Core capital (leverage) ratio | 8.2046% | 5,928 |
| Tier 1 risk-based capital ratio | 17.5030% | 2,411 |
| Total risk-based capital ratio | 18.1691% | 2,620 |
| Memoranda: | ||
| Average total assets | $41,232,670 | 6,135 |
| Average earning assets | $39,274,670 | 6,068 |
| Average equity | $2,180,670 | 6,518 |
| Average total loans | $15,757,670 | 6,261 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,683 |
| Cost of funding earning assets | 0.4594% | 3,316 |
| Net interest margin | 3.2875% | 4,598 |
| Noninterest income to average assets | 0.8953% | 1,405 |
| Noninterest expense to average assets | 3.0557% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9732% | 2,311 |
| Return on assets (ROA) | 0.9732% | 2,375 |
| Pretax return on assets | 0.9732% | 3,430 |
| Return on Equity (ROE) | 19.9501% | 290 |
| Retained earnings to average equity (ytd only) | 19.9501% | 119 |
| Net charge-offs to loans | -0.1294% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8454% | 2,828 |
| Assets per employee ($millions) | 2.9957% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 6,059 |
| Loan loss allowance to noncurrent loans | 70.8791% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 4,444 |
| Noncurrent loans to loans | 1.1559% | 3,117 |
| Net loans and leases to total assets | 37.2341% | 6,000 |
| Net loans and leases to deposits | 39.3469% | 6,192 |
| Net loans and leases to core deposits | 40.0082% | 6,235 |
| Total domestic deposits to total assets | 94.6304% | 43 |
| Equity capital to assets | 5.2432% | 6,617 |
| Core capital (leverage) ratio | 8.4899% | 5,658 |
| Tier 1 risk-based capital ratio | 18.3945% | 2,148 |
| Total risk-based capital ratio | 19.0609% | 2,343 |
| Memoranda: | ||
| Average total assets | $41,103,500 | 6,198 |
| Average earning assets | $39,178,500 | 6,122 |
| Average equity | $2,005,000 | 6,600 |
| Average total loans | $15,459,500 | 6,332 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,868 |
| Cost of funding earning assets | 0.4451% | 4,159 |
| Net interest margin | 3.3393% | 4,521 |
| Noninterest income to average assets | 0.8232% | 1,970 |
| Noninterest expense to average assets | 3.0813% | 2,794 |
| Loan and lease loss provision to assets | 0.0860% | 3,394 |
| Net operating income to assets | 0.8453% | 3,063 |
| Return on assets (ROA) | 1.2556% | 1,433 |
| Pretax return on assets | 1.2556% | 2,335 |
| Return on Equity (ROE) | 17.8074% | 427 |
| Retained earnings to average equity (ytd only) | 0.1394% | 5,789 |
| Net charge-offs to loans | 0.4862% | 1,369 |
| Credit loss provision to net charge-offs | 53.0303% | 3,750 |
| Earnings coverage of net charge-offs (x) | 5.7424% | 3,225 |
| Efficiency ratio | 76.7912% | 2,657 |
| Assets per employee ($millions) | 2.6845% | 6,238 |
| Cash dividends to net income (ytd only)* | 99.2172% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 6,145 |
| Loan loss allowance to noncurrent loans | 119.4175% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 5,057 |
| Noncurrent loans to loans | 0.6788% | 4,278 |
| Net loans and leases to total assets | 37.3780% | 6,135 |
| Net loans and leases to deposits | 39.1912% | 6,331 |
| Net loans and leases to core deposits | 39.8702% | 6,367 |
| Total domestic deposits to total assets | 95.3734% | 41 |
| Equity capital to assets | 4.4975% | 6,724 |
| Core capital (leverage) ratio | 8.3852% | 5,799 |
| Tier 1 risk-based capital ratio | 18.8395% | 1,969 |
| Total risk-based capital ratio | 19.5090% | 2,125 |
| Memoranda: | ||
| Average total assets | $40,696,800 | 6,269 |
| Average earning assets | $38,870,800 | 6,197 |
| Average equity | $2,869,600 | 6,552 |
| Average total loans | $13,576,000 | 6,469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,981 |
| Cost of funding earning assets | 0.4442% | 4,338 |
| Net interest margin | 3.3216% | 4,564 |
| Noninterest income to average assets | 0.9966% | 1,465 |
| Noninterest expense to average assets | 3.0715% | 2,755 |
| Loan and lease loss provision to assets | 0.1144% | 2,860 |
| Net operating income to assets | 0.9868% | 2,435 |
| Return on assets (ROA) | 1.5325% | 891 |
| Pretax return on assets | 1.5325% | 1,517 |
| Return on Equity (ROE) | 19.9512% | 299 |
| Retained earnings to average equity (ytd only) | 2.8077% | 4,639 |
| Net charge-offs to loans | 0.6273% | 984 |
| Credit loss provision to net charge-offs | 56.4516% | 3,367 |
| Earnings coverage of net charge-offs (x) | 5.4358% | 3,191 |
| Efficiency ratio | 73.6100% | 3,123 |
| Assets per employee ($millions) | 2.4475% | 6,516 |
| Cash dividends to net income (ytd only)* | 85.9272% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 5,977 |
| Loan loss allowance to noncurrent loans | 57.7273% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 4,336 |
| Noncurrent loans to loans | 1.6127% | 2,755 |
| Net loans and leases to total assets | 34.5123% | 6,341 |
| Net loans and leases to deposits | 36.4571% | 6,491 |
| Net loans and leases to core deposits | 37.1108% | 6,523 |
| Total domestic deposits to total assets | 94.6655% | 47 |
| Equity capital to assets | 5.0996% | 6,767 |
| Core capital (leverage) ratio | 8.6421% | 5,612 |
| Tier 1 risk-based capital ratio | 20.8299% | 1,525 |
| Total risk-based capital ratio | 21.5806% | 1,619 |
| Memoranda: | ||
| Average total assets | $40,804,250 | 6,339 |
| Average earning assets | $39,016,750 | 6,266 |
| Average equity | $3,134,250 | 6,584 |
| Average total loans | $13,176,500 | 6,551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,925 |
| Cost of funding earning assets | 0.4398% | 4,550 |
| Net interest margin | 3.3311% | 4,443 |
| Noninterest income to average assets | 0.6916% | 2,681 |
| Noninterest expense to average assets | 2.5682% | 4,498 |
| Loan and lease loss provision to assets | 0.1693% | 2,221 |
| Net operating income to assets | 1.1414% | 1,776 |
| Return on assets (ROA) | 1.9491% | 420 |
| Pretax return on assets | 1.9491% | 670 |
| Return on Equity (ROE) | 22.9412% | 177 |
| Retained earnings to average equity (ytd only) | 6.8881% | 1,938 |
| Net charge-offs to loans | 1.0137% | 599 |
| Credit loss provision to net charge-offs | 53.0303% | 3,160 |
| Earnings coverage of net charge-offs (x) | 4.1061% | 3,212 |
| Efficiency ratio | 66.2095% | 4,512 |
| Assets per employee ($millions) | 2.8191% | 6,140 |
| Cash dividends to net income (ytd only)* | 69.9752% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 6,088 |
| Loan loss allowance to noncurrent loans | 65.7754% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 4,612 |
| Noncurrent loans to loans | 1.3938% | 3,211 |
| Net loans and leases to total assets | 33.6838% | 6,428 |
| Net loans and leases to deposits | 36.2580% | 6,550 |
| Net loans and leases to core deposits | 37.2256% | 6,565 |
| Total domestic deposits to total assets | 92.9004% | 131 |
| Equity capital to assets | 6.7651% | 6,641 |
| Core capital (leverage) ratio | 8.6623% | 5,468 |
| Tier 1 risk-based capital ratio | 21.7582% | 1,339 |
| Total risk-based capital ratio | 22.5059% | 1,406 |
| Memoranda: | ||
| Average total assets | $41,352,330 | 6,367 |
| Average earning assets | $39,566,670 | 6,295 |
| Average equity | $3,513,330 | 6,558 |
| Average total loans | $13,021,330 | 6,598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 4,670 |
| Cost of funding earning assets | 0.4259% | 4,855 |
| Net interest margin | 3.4172% | 4,054 |
| Noninterest income to average assets | 0.7188% | 2,490 |
| Noninterest expense to average assets | 2.8940% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0876% | 1,908 |
| Return on assets (ROA) | 2.6670% | 144 |
| Pretax return on assets | 2.6670% | 216 |
| Return on Equity (ROE) | 28.6658% | 87 |
| Retained earnings to average equity (ytd only) | 28.6658% | 50 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6841% | 3,485 |
| Assets per employee ($millions) | 3.0166% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 5,242 |
| Loan loss allowance to noncurrent loans | 117.5573% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 4,797 |
| Noncurrent loans to loans | 1.0085% | 4,114 |
| Net loans and leases to total assets | 30.3933% | 6,589 |
| Net loans and leases to deposits | 33.5555% | 6,653 |
| Net loans and leases to core deposits | 34.0468% | 6,675 |
| Total domestic deposits to total assets | 90.5761% | 729 |
| Equity capital to assets | 9.3458% | 5,067 |
| Core capital (leverage) ratio | 9.0246% | 4,847 |
| Tier 1 risk-based capital ratio | 22.3304% | 1,274 |
| Total risk-based capital ratio | 23.2501% | 1,307 |
| Memoranda: | ||
| Average total assets | $42,295,000 | 6,396 |
| Average earning assets | $40,384,500 | 6,325 |
| Average equity | $3,935,000 | 6,534 |
| Average total loans | $12,823,500 | 6,667 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 5,059 |
| Cost of funding earning assets | 0.4335% | 5,696 |
| Net interest margin | 3.6355% | 3,941 |
| Noninterest income to average assets | 0.7011% | 2,717 |
| Noninterest expense to average assets | 3.0052% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1676% | 1,702 |
| Return on assets (ROA) | 1.4954% | 1,018 |
| Pretax return on assets | 1.4954% | 1,689 |
| Return on Equity (ROE) | 14.7873% | 850 |
| Retained earnings to average equity (ytd only) | 0.0237% | 5,822 |
| Net charge-offs to loans | 0.3644% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.8444% | 2,098 |
| Efficiency ratio | 72.0183% | 3,415 |
| Assets per employee ($millions) | 3.0255% | 5,978 |
| Cash dividends to net income (ytd only)* | 99.8400% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,033 |
| Loan loss allowance to noncurrent loans | 126.2295% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 4,946 |
| Noncurrent loans to loans | 0.9639% | 4,269 |
| Net loans and leases to total assets | 29.5181% | 6,711 |
| Net loans and leases to deposits | 32.5599% | 6,774 |
| Net loans and leases to core deposits | 33.0339% | 6,787 |
| Total domestic deposits to total assets | 90.6580% | 632 |
| Equity capital to assets | 9.2618% | 5,194 |
| Core capital (leverage) ratio | 8.3171% | 5,871 |
| Tier 1 risk-based capital ratio | 21.4025% | 1,381 |
| Total risk-based capital ratio | 22.3556% | 1,406 |
| Memoranda: | ||
| Average total assets | $41,793,800 | 6,438 |
| Average earning assets | $39,911,800 | 6,366 |
| Average equity | $4,226,600 | 6,517 |
| Average total loans | $12,347,600 | 6,765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 5,099 |
| Cost of funding earning assets | 0.4329% | 5,918 |
| Net interest margin | 3.6912% | 3,836 |
| Noninterest income to average assets | 0.7074% | 2,672 |
| Noninterest expense to average assets | 3.0825% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1459% | 1,921 |
| Return on assets (ROA) | 1.1491% | 2,109 |
| Pretax return on assets | 1.1491% | 3,163 |
| Return on Equity (ROE) | 11.1249% | 1,913 |
| Retained earnings to average equity (ytd only) | 4.9271% | 3,415 |
| Net charge-offs to loans | 0.6302% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.1725% | 2,835 |
| Efficiency ratio | 72.8993% | 3,165 |
| Assets per employee ($millions) | 2.9806% | 6,080 |
| Cash dividends to net income (ytd only)* | 55.7109% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 5,434 |
| Loan loss allowance to noncurrent loans | 156.0440% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 5,286 |
| Noncurrent loans to loans | 0.7495% | 4,920 |
| Net loans and leases to total assets | 28.7577% | 6,854 |
| Net loans and leases to deposits | 32.1449% | 6,911 |
| Net loans and leases to core deposits | 32.1449% | 6,933 |
| Total domestic deposits to total assets | 89.4627% | 1,150 |
| Equity capital to assets | 10.3839% | 3,968 |
| Core capital (leverage) ratio | 8.6611% | 5,537 |
| Tier 1 risk-based capital ratio | 22.3155% | 1,274 |
| Total risk-based capital ratio | 23.1918% | 1,313 |
| Memoranda: | ||
| Average total assets | $41,653,000 | 6,525 |
| Average earning assets | $39,733,000 | 6,445 |
| Average equity | $4,302,500 | 6,565 |
| Average total loans | $12,270,250 | 6,862 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 5,229 |
| Cost of funding earning assets | 0.4436% | 6,005 |
| Net interest margin | 3.6802% | 3,926 |
| Noninterest income to average assets | 0.6678% | 2,843 |
| Noninterest expense to average assets | 3.0556% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1194% | 1,981 |
| Return on assets (ROA) | 1.1242% | 2,179 |
| Pretax return on assets | 1.1242% | 3,214 |
| Return on Equity (ROE) | 10.9032% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.9032% | 763 |
| Net charge-offs to loans | 0.1949% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 1,440 |
| Efficiency ratio | 73.1876% | 3,212 |
| Assets per employee ($millions) | 3.0056% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,887 |
| Loan loss allowance to noncurrent loans | 108.7209% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 4,938 |
| Noncurrent loans to loans | 1.4052% | 3,810 |
| Net loans and leases to total assets | 28.6444% | 6,918 |
| Net loans and leases to deposits | 32.0635% | 6,960 |
| Net loans and leases to core deposits | 32.0635% | 6,988 |
| Total domestic deposits to total assets | 89.3365% | 1,310 |
| Equity capital to assets | 10.5328% | 3,646 |
| Core capital (leverage) ratio | 8.8510% | 5,127 |
| Tier 1 risk-based capital ratio | 22.5826% | 1,188 |
| Total risk-based capital ratio | 23.7271% | 1,186 |
| Memoranda: | ||
| Average total assets | $41,628,000 | 6,565 |
| Average earning assets | $39,672,000 | 6,486 |
| Average equity | $4,292,330 | 6,602 |
| Average total loans | $12,313,000 | 6,911 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 5,021 |
| Cost of funding earning assets | 0.4467% | 6,167 |
| Net interest margin | 3.7767% | 3,491 |
| Noninterest income to average assets | 0.7149% | 2,581 |
| Noninterest expense to average assets | 3.1109% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1980% | 1,740 |
| Return on assets (ROA) | 1.1980% | 1,923 |
| Pretax return on assets | 1.1980% | 2,920 |
| Return on Equity (ROE) | 11.7466% | 1,754 |
| Retained earnings to average equity (ytd only) | 11.7466% | 865 |
| Net charge-offs to loans | -0.4858% | 7,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1973% | 3,404 |
| Assets per employee ($millions) | 3.0003% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 3,209 |
| Loan loss allowance to noncurrent loans | 167.1875% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 5,207 |
| Noncurrent loans to loans | 1.0383% | 4,612 |
| Net loans and leases to total assets | 28.8401% | 6,949 |
| Net loans and leases to deposits | 32.1054% | 7,009 |
| Net loans and leases to core deposits | 32.1054% | 7,036 |
| Total domestic deposits to total assets | 89.8295% | 1,170 |
| Equity capital to assets | 10.1014% | 4,001 |
| Core capital (leverage) ratio | 8.9049% | 4,990 |
| Tier 1 risk-based capital ratio | 22.4641% | 1,213 |
| Total risk-based capital ratio | 23.7124% | 1,192 |
| Memoranda: | ||
| Average total assets | $41,403,000 | 6,627 |
| Average earning assets | $39,399,500 | 6,546 |
| Average equity | $4,222,500 | 6,656 |
| Average total loans | $12,349,500 | 6,964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 5,415 |
| Cost of funding earning assets | 0.5554% | 6,315 |
| Net interest margin | 3.8475% | 3,583 |
| Noninterest income to average assets | 0.7337% | 2,426 |
| Noninterest expense to average assets | 3.0876% | 3,244 |
| Loan and lease loss provision to assets | 0.1625% | 4,601 |
| Net operating income to assets | 1.1256% | 1,737 |
| Return on assets (ROA) | 1.1638% | 1,733 |
| Pretax return on assets | 1.1638% | 2,600 |
| Return on Equity (ROE) | 11.9980% | 1,405 |
| Retained earnings to average equity (ytd only) | 3.4984% | 3,733 |
| Net charge-offs to loans | 0.4226% | 3,312 |
| Credit loss provision to net charge-offs | 123.6364% | 2,544 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,931 |
| Efficiency ratio | 70.5625% | 3,834 |
| Assets per employee ($millions) | 2.9144% | 6,264 |
| Cash dividends to net income (ytd only)* | 70.8419% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,588 |
| Loan loss allowance to noncurrent loans | 141.4286% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 5,174 |
| Noncurrent loans to loans | 1.1317% | 4,470 |
| Net loans and leases to total assets | 29.8343% | 7,012 |
| Net loans and leases to deposits | 33.2932% | 7,066 |
| Net loans and leases to core deposits | 33.2932% | 7,091 |
| Total domestic deposits to total assets | 89.6108% | 1,198 |
| Equity capital to assets | 10.2985% | 3,786 |
| Core capital (leverage) ratio | 8.3041% | 5,851 |
| Tier 1 risk-based capital ratio | 21.8922% | 1,252 |
| Total risk-based capital ratio | 23.1461% | 1,222 |
| Memoranda: | ||
| Average total assets | $41,845,000 | 6,605 |
| Average earning assets | $39,610,000 | 6,545 |
| Average equity | $4,059,000 | 6,736 |
| Average total loans | $13,013,800 | 6,994 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 5,356 |
| Cost of funding earning assets | 0.5639% | 6,455 |
| Net interest margin | 3.9038% | 3,364 |
| Noninterest income to average assets | 0.7663% | 2,219 |
| Noninterest expense to average assets | 3.0874% | 3,211 |
| Loan and lease loss provision to assets | 0.2153% | 3,865 |
| Net operating income to assets | 1.1463% | 1,827 |
| Return on assets (ROA) | 1.1843% | 1,818 |
| Pretax return on assets | 1.1843% | 2,683 |
| Return on Equity (ROE) | 12.3942% | 1,437 |
| Retained earnings to average equity (ytd only) | 9.0472% | 1,128 |
| Net charge-offs to loans | 0.3441% | 3,378 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 12.6477% | 1,685 |
| Efficiency ratio | 69.3950% | 4,060 |
| Assets per employee ($millions) | 3.0738% | 5,955 |
| Cash dividends to net income (ytd only)* | 27.0049% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 3,389 |
| Loan loss allowance to noncurrent loans | 120.9945% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 5,169 |
| Noncurrent loans to loans | 1.3778% | 4,227 |
| Net loans and leases to total assets | 30.0188% | 7,085 |
| Net loans and leases to deposits | 33.5655% | 7,141 |
| Net loans and leases to core deposits | 33.5655% | 7,172 |
| Total domestic deposits to total assets | 89.4337% | 1,174 |
| Equity capital to assets | 10.4153% | 3,810 |
| Core capital (leverage) ratio | 8.8561% | 5,173 |
| Tier 1 risk-based capital ratio | 21.2664% | 1,409 |
| Total risk-based capital ratio | 22.5648% | 1,379 |
| Memoranda: | ||
| Average total assets | $42,105,750 | 6,655 |
| Average earning assets | $39,720,750 | 6,601 |
| Average equity | $4,023,250 | 6,795 |
| Average total loans | $13,174,500 | 7,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 5,600 |
| Cost of funding earning assets | 0.5579% | 6,633 |
| Net interest margin | 3.8704% | 3,441 |
| Noninterest income to average assets | 0.7417% | 2,307 |
| Noninterest expense to average assets | 3.1151% | 3,196 |
| Loan and lease loss provision to assets | 0.3206% | 2,863 |
| Net operating income to assets | 1.0240% | 2,124 |
| Return on assets (ROA) | 1.0288% | 2,206 |
| Pretax return on assets | 1.0288% | 3,123 |
| Return on Equity (ROE) | 11.1102% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.1102% | 648 |
| Net charge-offs to loans | 0.6370% | 2,243 |
| Credit loss provision to net charge-offs | 159.5238% | 1,906 |
| Earnings coverage of net charge-offs (x) | 6.6905% | 2,354 |
| Efficiency ratio | 69.8498% | 4,144 |
| Assets per employee ($millions) | 2.9049% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,523 |
| Loan loss allowance to noncurrent loans | 54.8303% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 4,708 |
| Noncurrent loans to loans | 2.9941% | 2,426 |
| Net loans and leases to total assets | 30.9376% | 7,146 |
| Net loans and leases to deposits | 34.8513% | 7,194 |
| Net loans and leases to core deposits | 34.8513% | 7,241 |
| Total domestic deposits to total assets | 88.7703% | 1,682 |
| Equity capital to assets | 10.4453% | 3,581 |
| Core capital (leverage) ratio | 8.4934% | 5,565 |
| Tier 1 risk-based capital ratio | 21.5973% | 1,313 |
| Total risk-based capital ratio | 22.8825% | 1,281 |
| Memoranda: | ||
| Average total assets | $41,796,670 | 6,724 |
| Average earning assets | $40,150,670 | 6,634 |
| Average equity | $3,870,330 | 6,883 |
| Average total loans | $13,187,000 | 7,120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 5,967 |
| Cost of funding earning assets | 0.5703% | 6,727 |
| Net interest margin | 3.7464% | 3,860 |
| Noninterest income to average assets | 0.8121% | 1,984 |
| Noninterest expense to average assets | 2.9934% | 3,673 |
| Loan and lease loss provision to assets | 0.5005% | 1,743 |
| Net operating income to assets | 0.9159% | 2,490 |
| Return on assets (ROA) | 0.9159% | 2,545 |
| Pretax return on assets | 0.9159% | 3,439 |
| Return on Equity (ROE) | 10.5392% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.5392% | 987 |
| Net charge-offs to loans | 1.2552% | 1,103 |
| Credit loss provision to net charge-offs | 126.1905% | 2,182 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,701 |
| Efficiency ratio | 67.8801% | 4,678 |
| Assets per employee ($millions) | 3.3652% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 4,368 |
| Loan loss allowance to noncurrent loans | 67.8201% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 5,308 |
| Noncurrent loans to loans | 2.1611% | 3,373 |
| Net loans and leases to total assets | 30.1202% | 7,225 |
| Net loans and leases to deposits | 34.8073% | 7,254 |
| Net loans and leases to core deposits | 34.8073% | 7,289 |
| Total domestic deposits to total assets | 86.5342% | 3,216 |
| Equity capital to assets | 8.5421% | 5,849 |
| Core capital (leverage) ratio | 7.6564% | 6,594 |
| Tier 1 risk-based capital ratio | 20.1097% | 1,569 |
| Total risk-based capital ratio | 21.2652% | 1,551 |
| Memoranda: | ||
| Average total assets | $42,360,500 | 6,747 |
| Average earning assets | $40,679,000 | 6,659 |
| Average equity | $3,681,500 | 6,963 |
| Average total loans | $13,384,500 | 7,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 6,570 |
| Cost of funding earning assets | 0.7267% | 6,800 |
| Net interest margin | 3.6966% | 4,361 |
| Noninterest income to average assets | 0.6212% | 3,336 |
| Noninterest expense to average assets | 3.0871% | 3,515 |
| Loan and lease loss provision to assets | 0.1577% | 5,629 |
| Net operating income to assets | 0.8888% | 2,431 |
| Return on assets (ROA) | 1.0083% | 2,122 |
| Pretax return on assets | 1.0083% | 2,910 |
| Return on Equity (ROE) | 10.5148% | 1,758 |
| Retained earnings to average equity (ytd only) | 0.0997% | 5,536 |
| Net charge-offs to loans | 0.3117% | 4,462 |
| Credit loss provision to net charge-offs | 157.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 10.4286% | 1,704 |
| Efficiency ratio | 74.6821% | 3,259 |
| Assets per employee ($millions) | 2.9266% | 6,259 |
| Cash dividends to net income (ytd only)* | 99.0521% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,609 |
| Loan loss allowance to noncurrent loans | 168.1818% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 6,207 |
| Noncurrent loans to loans | 0.8211% | 5,407 |
| Net loans and leases to total assets | 32.2432% | 7,283 |
| Net loans and leases to deposits | 35.4011% | 7,361 |
| Net loans and leases to core deposits | 35.4011% | 7,395 |
| Total domestic deposits to total assets | 91.0795% | 563 |
| Equity capital to assets | 8.8497% | 5,357 |
| Core capital (leverage) ratio | 8.1004% | 6,014 |
| Tier 1 risk-based capital ratio | 19.5887% | 1,577 |
| Total risk-based capital ratio | 20.6819% | 1,580 |
| Memoranda: | ||
| Average total assets | $41,852,200 | 6,800 |
| Average earning assets | $39,766,400 | 6,725 |
| Average equity | $4,013,400 | 6,997 |
| Average total loans | $13,474,000 | 7,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 6,796 |
| Cost of funding earning assets | 0.7492% | 6,913 |
| Net interest margin | 3.6655% | 4,566 |
| Noninterest income to average assets | 0.6148% | 3,356 |
| Noninterest expense to average assets | 3.1152% | 3,267 |
| Loan and lease loss provision to assets | 0.1933% | 5,106 |
| Net operating income to assets | 0.7796% | 3,089 |
| Return on assets (ROA) | 0.9381% | 2,596 |
| Pretax return on assets | 0.9381% | 3,417 |
| Return on Equity (ROE) | 9.6018% | 2,289 |
| Retained earnings to average equity (ytd only) | 3.7954% | 3,788 |
| Net charge-offs to loans | 0.5434% | 3,126 |
| Credit loss provision to net charge-offs | 110.9091% | 3,816 |
| Earnings coverage of net charge-offs (x) | 5.5819% | 2,714 |
| Efficiency ratio | 76.2016% | 2,909 |
| Assets per employee ($millions) | 2.7448% | 6,698 |
| Cash dividends to net income (ytd only)* | 60.4723% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,241 |
| Loan loss allowance to noncurrent loans | 67.3387% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 5,863 |
| Noncurrent loans to loans | 1.8553% | 3,862 |
| Net loans and leases to total assets | 32.0606% | 7,407 |
| Net loans and leases to deposits | 35.7327% | 7,480 |
| Net loans and leases to core deposits | 35.7327% | 7,507 |
| Total domestic deposits to total assets | 89.7236% | 1,011 |
| Equity capital to assets | 10.0772% | 4,059 |
| Core capital (leverage) ratio | 8.1207% | 6,164 |
| Tier 1 risk-based capital ratio | 20.0893% | 1,527 |
| Total risk-based capital ratio | 21.0699% | 1,553 |
| Memoranda: | ||
| Average total assets | $42,072,000 | 6,880 |
| Average earning assets | $39,866,250 | 6,803 |
| Average equity | $4,110,250 | 7,049 |
| Average total loans | $13,493,500 | 7,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 6,909 |
| Cost of funding earning assets | 0.7604% | 7,035 |
| Net interest margin | 3.6332% | 4,673 |
| Noninterest income to average assets | 0.6655% | 2,928 |
| Noninterest expense to average assets | 3.0964% | 3,342 |
| Loan and lease loss provision to assets | 0.2077% | 4,796 |
| Net operating income to assets | 0.8119% | 2,916 |
| Return on assets (ROA) | 1.0479% | 2,097 |
| Pretax return on assets | 1.0479% | 2,946 |
| Return on Equity (ROE) | 10.8363% | 1,797 |
| Retained earnings to average equity (ytd only) | 4.0026% | 3,532 |
| Net charge-offs to loans | 0.7979% | 2,254 |
| Credit loss provision to net charge-offs | 81.4815% | 4,665 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,092 |
| Efficiency ratio | 75.2294% | 3,223 |
| Assets per employee ($millions) | 2.9322% | 6,292 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,760 |
| Loan loss allowance to noncurrent loans | 66.5198% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 6,006 |
| Noncurrent loans to loans | 1.7088% | 4,124 |
| Net loans and leases to total assets | 29.8593% | 7,542 |
| Net loans and leases to deposits | 33.0889% | 7,597 |
| Net loans and leases to core deposits | 33.0889% | 7,618 |
| Total domestic deposits to total assets | 90.2394% | 801 |
| Equity capital to assets | 9.6515% | 4,465 |
| Core capital (leverage) ratio | 7.9328% | 6,349 |
| Tier 1 risk-based capital ratio | 20.1547% | 1,490 |
| Total risk-based capital ratio | 21.0533% | 1,517 |
| Memoranda: | ||
| Average total assets | $42,372,000 | 6,922 |
| Average earning assets | $40,240,000 | 6,835 |
| Average equity | $4,097,330 | 7,083 |
| Average total loans | $13,535,670 | 7,375 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 6,843 |
| Cost of funding earning assets | 0.7710% | 7,175 |
| Net interest margin | 3.7027% | 4,230 |
| Noninterest income to average assets | 0.7314% | 2,400 |
| Noninterest expense to average assets | 3.0120% | 3,634 |
| Loan and lease loss provision to assets | 0.2694% | 3,870 |
| Net operating income to assets | 0.9623% | 2,325 |
| Return on assets (ROA) | 1.4435% | 1,070 |
| Pretax return on assets | 1.4435% | 1,654 |
| Return on Equity (ROE) | 14.9124% | 894 |
| Retained earnings to average equity (ytd only) | 14.9124% | 421 |
| Net charge-offs to loans | 0.8198% | 1,894 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,602 |
| Efficiency ratio | 70.9751% | 4,124 |
| Assets per employee ($millions) | 3.1001% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 5,494 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 6,089 |
| Noncurrent loans to loans | 1.5441% | 4,430 |
| Net loans and leases to total assets | 30.5170% | 7,607 |
| Net loans and leases to deposits | 33.7117% | 7,666 |
| Net loans and leases to core deposits | 33.7117% | 7,689 |
| Total domestic deposits to total assets | 90.5235% | 724 |
| Equity capital to assets | 9.4397% | 4,630 |
| Core capital (leverage) ratio | 8.2577% | 5,819 |
| Tier 1 risk-based capital ratio | 19.0558% | 1,707 |
| Total risk-based capital ratio | 19.9427% | 1,759 |
| Memoranda: | ||
| Average total assets | $41,566,500 | 7,036 |
| Average earning assets | $39,430,500 | 6,950 |
| Average equity | $4,023,500 | 7,176 |
| Average total loans | $13,661,500 | 7,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 4,756 |
| Cost of funding earning assets | 0.9763% | 7,248 |
| Net interest margin | 4.4105% | 1,402 |
| Noninterest income to average assets | 0.7298% | 2,788 |
| Noninterest expense to average assets | 3.2067% | 3,355 |
| Loan and lease loss provision to assets | 0.2919% | 5,091 |
| Net operating income to assets | 1.3320% | 969 |
| Return on assets (ROA) | 1.5623% | 638 |
| Pretax return on assets | 1.5623% | 1,047 |
| Return on Equity (ROE) | 16.5595% | 498 |
| Retained earnings to average equity (ytd only) | 0.0967% | 4,846 |
| Net charge-offs to loans | 0.8108% | 2,801 |
| Credit loss provision to net charge-offs | 113.2743% | 4,839 |
| Earnings coverage of net charge-offs (x) | 6.3009% | 2,393 |
| Efficiency ratio | 66.3834% | 5,314 |
| Assets per employee ($millions) | 2.6487% | 6,955 |
| Cash dividends to net income (ytd only)* | 99.4161% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,605 |
| Loan loss allowance to noncurrent loans | 90.9605% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 6,087 |
| Noncurrent loans to loans | 1.2718% | 4,802 |
| Net loans and leases to total assets | 34.6228% | 7,574 |
| Net loans and leases to deposits | 38.4686% | 7,666 |
| Net loans and leases to core deposits | 43.3260% | 7,708 |
| Total domestic deposits to total assets | 90.0028% | 958 |
| Equity capital to assets | 9.9419% | 3,846 |
| Core capital (leverage) ratio | 8.2593% | 5,704 |
| Tier 1 risk-based capital ratio | 18.8314% | 1,695 |
| Total risk-based capital ratio | 19.7474% | 1,716 |
| Memoranda: | ||
| Average total assets | $43,845,200 | 6,949 |
| Average earning assets | $40,766,000 | 6,917 |
| Average equity | $4,136,600 | 7,238 |
| Average total loans | $13,937,200 | 7,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 4,689 |
| Cost of funding earning assets | 1.0206% | 7,346 |
| Net interest margin | 4.4288% | 1,368 |
| Noninterest income to average assets | 0.7369% | 2,782 |
| Noninterest expense to average assets | 3.0217% | 3,964 |
| Loan and lease loss provision to assets | 0.3239% | 4,395 |
| Net operating income to assets | 1.4916% | 830 |
| Return on assets (ROA) | 1.6282% | 677 |
| Pretax return on assets | 1.6282% | 1,117 |
| Return on Equity (ROE) | 17.4661% | 502 |
| Retained earnings to average equity (ytd only) | 12.6851% | 286 |
| Net charge-offs to loans | 1.0519% | 1,882 |
| Credit loss provision to net charge-offs | 99.0909% | 5,161 |
| Earnings coverage of net charge-offs (x) | 5.5547% | 2,791 |
| Efficiency ratio | 62.4693% | 6,023 |
| Assets per employee ($millions) | 3.1785% | 5,702 |
| Cash dividends to net income (ytd only)* | 27.3729% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 6,144 |
| Loan loss allowance to noncurrent loans | 58.7755% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 5,807 |
| Noncurrent loans to loans | 1.7412% | 4,018 |
| Net loans and leases to total assets | 33.7052% | 7,697 |
| Net loans and leases to deposits | 37.9100% | 7,781 |
| Net loans and leases to core deposits | 42.3609% | 7,821 |
| Total domestic deposits to total assets | 88.9085% | 1,239 |
| Equity capital to assets | 11.0891% | 2,931 |
| Core capital (leverage) ratio | 8.5397% | 5,419 |
| Tier 1 risk-based capital ratio | 20.7635% | 1,405 |
| Total risk-based capital ratio | 21.5707% | 1,448 |
| Memoranda: | ||
| Average total assets | $44,873,750 | 6,968 |
| Average earning assets | $41,545,000 | 6,933 |
| Average equity | $4,183,250 | 7,286 |
| Average total loans | $13,942,250 | 7,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 4,579 |
| Cost of funding earning assets | 1.0761% | 7,425 |
| Net interest margin | 4.4323% | 1,329 |
| Noninterest income to average assets | 0.6296% | 3,470 |
| Noninterest expense to average assets | 2.9267% | 4,402 |
| Loan and lease loss provision to assets | 0.2345% | 4,712 |
| Net operating income to assets | 1.5285% | 789 |
| Return on assets (ROA) | 1.5285% | 844 |
| Pretax return on assets | 1.5285% | 1,373 |
| Return on Equity (ROE) | 17.3813% | 542 |
| Retained earnings to average equity (ytd only) | 12.9372% | 341 |
| Net charge-offs to loans | 1.3814% | 1,352 |
| Credit loss provision to net charge-offs | 56.2500% | 5,657 |
| Earnings coverage of net charge-offs (x) | 4.2292% | 3,167 |
| Efficiency ratio | 62.4074% | 6,183 |
| Assets per employee ($millions) | 3.2745% | 5,382 |
| Cash dividends to net income (ytd only)* | 25.5682% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 7,277 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 6,970 |
| Noncurrent loans to loans | 0.5545% | 6,159 |
| Net loans and leases to total assets | 27.6910% | 7,935 |
| Net loans and leases to deposits | 30.2177% | 7,989 |
| Net loans and leases to core deposits | 33.0764% | 8,009 |
| Total domestic deposits to total assets | 91.6383% | 282 |
| Equity capital to assets | 8.2924% | 6,340 |
| Core capital (leverage) ratio | 7.4881% | 7,035 |
| Tier 1 risk-based capital ratio | 18.3577% | 1,910 |
| Total risk-based capital ratio | 18.8928% | 2,058 |
| Memoranda: | ||
| Average total assets | $46,058,330 | 6,983 |
| Average earning assets | $42,190,000 | 6,962 |
| Average equity | $4,050,330 | 7,391 |
| Average total loans | $13,899,330 | 7,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8865% | 2,864 |
| Cost of funding earning assets | 1.1412% | 7,441 |
| Net interest margin | 4.7453% | 694 |
| Noninterest income to average assets | 0.6647% | 3,109 |
| Noninterest expense to average assets | 2.8925% | 4,181 |
| Loan and lease loss provision to assets | 0.1976% | 4,467 |
| Net operating income to assets | 2.0571% | 319 |
| Return on assets (ROA) | 2.0571% | 361 |
| Pretax return on assets | 2.0571% | 595 |
| Return on Equity (ROE) | 22.6789% | 276 |
| Retained earnings to average equity (ytd only) | 22.6789% | 117 |
| Net charge-offs to loans | 1.1717% | 1,176 |
| Credit loss provision to net charge-offs | 53.6585% | 4,617 |
| Earnings coverage of net charge-offs (x) | 6.1220% | 2,537 |
| Efficiency ratio | 56.1955% | 6,949 |
| Assets per employee ($millions) | 3.0209% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 6,758 |
| Loan loss allowance to noncurrent loans | 105.0000% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 6,525 |
| Noncurrent loans to loans | 0.8559% | 5,310 |
| Net loans and leases to total assets | 30.6638% | 7,902 |
| Net loans and leases to deposits | 33.8704% | 7,984 |
| Net loans and leases to core deposits | 37.7972% | 8,006 |
| Total domestic deposits to total assets | 90.5327% | 576 |
| Equity capital to assets | 9.4011% | 4,807 |
| Core capital (leverage) ratio | 7.4550% | 7,205 |
| Tier 1 risk-based capital ratio | 19.4188% | 1,733 |
| Total risk-based capital ratio | 20.1110% | 1,800 |
| Memoranda: | ||
| Average total assets | $44,529,000 | 7,080 |
| Average earning assets | $42,062,500 | 7,015 |
| Average equity | $4,039,000 | 7,440 |
| Average total loans | $13,996,500 | 7,692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8944% | 6,060 |
| Cost of funding earning assets | 1.7396% | 7,161 |
| Net interest margin | 4.1548% | 2,483 |
| Noninterest income to average assets | 0.6764% | 3,284 |
| Noninterest expense to average assets | 2.9199% | 4,381 |
| Loan and lease loss provision to assets | 0.3669% | 3,485 |
| Net operating income to assets | 1.3174% | 1,434 |
| Return on assets (ROA) | 1.3726% | 1,244 |
| Pretax return on assets | 1.3726% | 2,049 |
| Return on Equity (ROE) | 18.3489% | 500 |
| Retained earnings to average equity (ytd only) | -2.3342% | 5,963 |
| Net charge-offs to loans | 0.4050% | 2,788 |
| Credit loss provision to net charge-offs | 272.1311% | 1,691 |
| Earnings coverage of net charge-offs (x) | 12.4918% | 2,236 |
| Efficiency ratio | 63.4181% | 5,688 |
| Assets per employee ($millions) | 2.9163% | 6,254 |
| Cash dividends to net income (ytd only)* | 112.7214% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 5,669 |
| Loan loss allowance to noncurrent loans | 141.7476% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 6,384 |
| Noncurrent loans to loans | 0.7372% | 5,188 |
| Net loans and leases to total assets | 31.6066% | 7,958 |
| Net loans and leases to deposits | 34.8060% | 8,046 |
| Net loans and leases to core deposits | 38.7500% | 8,072 |
| Total domestic deposits to total assets | 90.8079% | 383 |
| Equity capital to assets | 8.7281% | 5,766 |
| Core capital (leverage) ratio | 6.9925% | 7,703 |
| Tier 1 risk-based capital ratio | 17.6217% | 2,142 |
| Total risk-based capital ratio | 18.3999% | 2,217 |
| Memoranda: | ||
| Average total assets | $45,242,000 | 6,978 |
| Average earning assets | $42,769,600 | 6,911 |
| Average equity | $3,384,400 | 7,725 |
| Average total loans | $15,060,800 | 7,644 |