Home > America's Community Bank > Performance and Condition Ratios
America's Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1873% | 505 |
| Cost of funding earning assets | 2.0008% | 915 |
| Net interest margin | 4.1865% | 955 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.4429% | 2,464 |
| Loan and lease loss provision to assets | 0.5300% | 165 |
| Net operating income to assets | 1.1499% | 1,783 |
| Return on assets (ROA) | 1.1499% | 1,753 |
| Pretax return on assets | 1.1499% | 2,262 |
| Return on Equity (ROE) | 11.3800% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.5515% | 2,393 |
| Net charge-offs to loans | 0.5498% | 182 |
| Credit loss provision to net charge-offs | 100.4367% | 1,829 |
| Earnings coverage of net charge-offs (x) | 3.1790% | 2,654 |
| Efficiency ratio | 59.2385% | 3,164 |
| Assets per employee ($millions) | 5.2808% | 3,408 |
| Cash dividends to net income (ytd only)* | 51.2048% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 2,992 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 97.4100% | 2 |
| Net loans and leases to deposits | 110.2094% | 193 |
| Net loans and leases to core deposits | 156.3569% | 176 |
| Total domestic deposits to total assets | 88.3800% | 1,236 |
| Equity capital to assets | 10.7466% | 1,604 |
| Core capital (leverage) ratio | 10.2000% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $43,309,600 | 4,368 |
| Average earning assets | $41,633,800 | 4,331 |
| Average equity | $4,377,200 | 4,316 |
| Average total loans | $41,650,600 | 3,966 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9932% | 537 |
| Cost of funding earning assets | 1.8689% | 902 |
| Net interest margin | 4.1243% | 1,025 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.4111% | 2,491 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.4197% | 1,277 |
| Return on assets (ROA) | 1.4197% | 1,259 |
| Pretax return on assets | 1.4197% | 1,733 |
| Return on Equity (ROE) | 14.2700% | 1,592 |
| Retained earnings to average equity (ytd only) | 6.4259% | 2,488 |
| Net charge-offs to loans | 0.0096% | 2,048 |
| Credit loss provision to net charge-offs | 2,500.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 179.6667% | 646 |
| Efficiency ratio | 59.3821% | 3,033 |
| Assets per employee ($millions) | 5.4809% | 3,195 |
| Cash dividends to net income (ytd only)* | 54.9569% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,367 |
| Loan loss allowance to noncurrent loans | 75.6241% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.5531% | 235 |
| Noncurrent loans to loans | 1.5863% | 442 |
| Net loans and leases to total assets | 96.7400% | 2 |
| Net loans and leases to deposits | 108.8846% | 225 |
| Net loans and leases to core deposits | 150.4647% | 145 |
| Total domestic deposits to total assets | 88.8400% | 1,307 |
| Equity capital to assets | 10.2766% | 1,659 |
| Core capital (leverage) ratio | 10.2381% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $43,575,500 | 4,382 |
| Average earning assets | $41,735,250 | 4,350 |
| Average equity | $4,336,500 | 4,325 |
| Average total loans | $41,664,750 | 3,978 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 553 |
| Cost of funding earning assets | 1.7638% | 794 |
| Net interest margin | 4.0384% | 1,182 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.3732% | 2,581 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.4074% | 1,310 |
| Return on assets (ROA) | 1.4074% | 1,293 |
| Pretax return on assets | 1.4074% | 1,796 |
| Return on Equity (ROE) | 14.3000% | 1,619 |
| Retained earnings to average equity (ytd only) | 2.3832% | 3,626 |
| Net charge-offs to loans | 0.0097% | 1,843 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 682 |
| Efficiency ratio | 59.8608% | 2,981 |
| Assets per employee ($millions) | 5.6945% | 2,981 |
| Cash dividends to net income (ytd only)* | 83.3333% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,776 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 91.8100% | 19 |
| Net loans and leases to deposits | 105.7974% | 318 |
| Net loans and leases to core deposits | 136.5735% | 248 |
| Total domestic deposits to total assets | 86.7800% | 2,000 |
| Equity capital to assets | 9.5443% | 2,133 |
| Core capital (leverage) ratio | 9.7136% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $43,485,000 | 4,404 |
| Average earning assets | $41,501,667 | 4,376 |
| Average equity | $4,280,000 | 4,364 |
| Average total loans | $41,242,667 | 3,995 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7211% | 456 |
| Cost of funding earning assets | 1.5296% | 794 |
| Net interest margin | 4.1915% | 958 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.4311% | 2,438 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.4323% | 1,323 |
| Return on assets (ROA) | 1.4323% | 1,293 |
| Pretax return on assets | 1.4323% | 1,807 |
| Return on Equity (ROE) | 14.3200% | 1,707 |
| Retained earnings to average equity (ytd only) | -9.7033% | 4,469 |
| Net charge-offs to loans | 0.0197% | 1,285 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 858 |
| Efficiency ratio | 60.0000% | 2,958 |
| Assets per employee ($millions) | 5.5318% | 3,188 |
| Cash dividends to net income (ytd only)* | 167.7632% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 94.6100% | 5 |
| Net loans and leases to deposits | 113.3498% | 134 |
| Net loans and leases to core deposits | 138.2649% | 196 |
| Total domestic deposits to total assets | 83.4700% | 3,208 |
| Equity capital to assets | 9.4794% | 2,161 |
| Core capital (leverage) ratio | 9.7282% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $42,449,500 | 4,483 |
| Average earning assets | $40,272,000 | 4,454 |
| Average equity | $4,246,000 | 4,429 |
| Average total loans | $40,710,500 | 4,057 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 499 |
| Cost of funding earning assets | 0.4518% | 1,713 |
| Net interest margin | 4.2660% | 458 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.5336% | 2,015 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4382% | 1,030 |
| Return on assets (ROA) | 1.4382% | 994 |
| Pretax return on assets | 1.4382% | 1,666 |
| Return on Equity (ROE) | 13.6300% | 1,621 |
| Retained earnings to average equity (ytd only) | 7.9303% | 1,863 |
| Net charge-offs to loans | 0.0029% | 2,386 |
| Credit loss provision to net charge-offs | 8,000.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 642.0000% | 269 |
| Efficiency ratio | 60.6618% | 2,965 |
| Assets per employee ($millions) | 5.0806% | 3,610 |
| Cash dividends to net income (ytd only)* | 41.8149% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 2,736 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 95.0900% | 5 |
| Net loans and leases to deposits | 112.0481% | 131 |
| Net loans and leases to core deposits | 123.4738% | 312 |
| Total domestic deposits to total assets | 84.8700% | 3,030 |
| Equity capital to assets | 10.5720% | 1,423 |
| Core capital (leverage) ratio | 10.7827% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,075,600 | 4,539 |
| Average earning assets | $36,966,800 | 4,507 |
| Average equity | $4,123,400 | 4,521 |
| Average total loans | $34,523,400 | 4,161 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 486 |
| Cost of funding earning assets | 0.3941% | 1,331 |
| Net interest margin | 4.1229% | 494 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.4782% | 2,074 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.4890% | 875 |
| Return on assets (ROA) | 1.4890% | 859 |
| Pretax return on assets | 1.4890% | 1,443 |
| Return on Equity (ROE) | 14.1200% | 1,399 |
| Retained earnings to average equity (ytd only) | 7.7449% | 2,103 |
| Net charge-offs to loans | 0.0040% | 2,065 |
| Credit loss provision to net charge-offs | 3,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 338 |
| Efficiency ratio | 60.8806% | 3,000 |
| Assets per employee ($millions) | 4.8405% | 3,807 |
| Cash dividends to net income (ytd only)* | 45.1389% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,049 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 91.6000% | 14 |
| Net loans and leases to deposits | 102.9608% | 265 |
| Net loans and leases to core deposits | 113.4350% | 378 |
| Total domestic deposits to total assets | 88.9600% | 2,110 |
| Equity capital to assets | 10.8641% | 1,226 |
| Core capital (leverage) ratio | 11.0316% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $38,683,250 | 4,576 |
| Average earning assets | $36,542,500 | 4,544 |
| Average equity | $4,080,000 | 4,569 |
| Average total loans | $33,381,000 | 4,205 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 427 |
| Cost of funding earning assets | 0.4013% | 907 |
| Net interest margin | 4.0128% | 480 |
| Noninterest income to average assets | 0.2224% | 3,867 |
| Noninterest expense to average assets | 2.4464% | 2,092 |
| Loan and lease loss provision to assets | 0.1396% | 689 |
| Net operating income to assets | 1.4120% | 877 |
| Return on assets (ROA) | 1.4120% | 854 |
| Pretax return on assets | 1.4120% | 1,401 |
| Return on Equity (ROE) | 13.5227% | 1,235 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,137 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1902% | 3,153 |
| Assets per employee ($millions) | 4.7134% | 3,923 |
| Cash dividends to net income (ytd only)* | 71.4286% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 2,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.6366% | 101 |
| Net loans and leases to deposits | 96.0927% | 430 |
| Net loans and leases to core deposits | 105.0968% | 476 |
| Total domestic deposits to total assets | 89.1187% | 2,126 |
| Equity capital to assets | 10.7354% | 1,347 |
| Core capital (leverage) ratio | 10.6021% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3029% | 1,628 |
| Memoranda: | ||
| Average total assets | $38,669,667 | 4,618 |
| Average earning assets | $36,383,667 | 4,605 |
| Average equity | $4,037,667 | 4,615 |
| Average total loans | $32,554,000 | 4,272 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 432 |
| Cost of funding earning assets | 0.4142% | 803 |
| Net interest margin | 3.8913% | 513 |
| Noninterest income to average assets | 0.2043% | 3,937 |
| Noninterest expense to average assets | 2.4929% | 1,899 |
| Loan and lease loss provision to assets | 0.0817% | 1,002 |
| Net operating income to assets | 1.2771% | 1,051 |
| Return on assets (ROA) | 1.2771% | 1,045 |
| Pretax return on assets | 1.2771% | 1,573 |
| Return on Equity (ROE) | 12.3993% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.3993% | 543 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7215% | 2,942 |
| Assets per employee ($millions) | 4.9753% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.0135% | 202 |
| Net loans and leases to deposits | 90.4361% | 486 |
| Net loans and leases to core deposits | 103.6417% | 410 |
| Total domestic deposits to total assets | 89.5809% | 1,778 |
| Equity capital to assets | 10.2884% | 1,695 |
| Core capital (leverage) ratio | 10.5965% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2511% | 2,095 |
| Memoranda: | ||
| Average total assets | $39,151,000 | 4,641 |
| Average earning assets | $36,697,000 | 4,626 |
| Average equity | $4,032,500 | 4,651 |
| Average total loans | $32,490,500 | 4,286 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 707 |
| Cost of funding earning assets | 0.5308% | 787 |
| Net interest margin | 3.8788% | 873 |
| Noninterest income to average assets | 0.1969% | 4,180 |
| Noninterest expense to average assets | 2.8225% | 1,305 |
| Loan and lease loss provision to assets | 0.0832% | 1,479 |
| Net operating income to assets | 0.9787% | 2,757 |
| Return on assets (ROA) | 0.9787% | 2,829 |
| Pretax return on assets | 0.9787% | 3,316 |
| Return on Equity (ROE) | 9.2433% | 2,807 |
| Retained earnings to average equity (ytd only) | 4.7918% | 2,870 |
| Net charge-offs to loans | 0.0100% | 2,181 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 127.6667% | 743 |
| Efficiency ratio | 72.6624% | 1,439 |
| Assets per employee ($millions) | 4.8125% | 3,872 |
| Cash dividends to net income (ytd only)* | 48.1586% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 83.1221% | 143 |
| Net loans and leases to deposits | 92.8240% | 422 |
| Net loans and leases to core deposits | 107.0122% | 351 |
| Total domestic deposits to total assets | 89.5481% | 1,212 |
| Equity capital to assets | 10.3117% | 2,359 |
| Core capital (leverage) ratio | 10.2436% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1893% | 2,165 |
| Memoranda: | ||
| Average total assets | $36,067,200 | 4,696 |
| Average earning assets | $34,288,800 | 4,675 |
| Average equity | $3,819,000 | 4,719 |
| Average total loans | $29,985,600 | 4,374 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 719 |
| Cost of funding earning assets | 0.5420% | 867 |
| Net interest margin | 3.9203% | 902 |
| Noninterest income to average assets | 0.1805% | 4,295 |
| Noninterest expense to average assets | 3.0194% | 935 |
| Loan and lease loss provision to assets | 0.0310% | 2,376 |
| Net operating income to assets | 0.8573% | 3,362 |
| Return on assets (ROA) | 0.8573% | 3,432 |
| Pretax return on assets | 0.8573% | 3,779 |
| Return on Equity (ROE) | 8.0395% | 3,391 |
| Retained earnings to average equity (ytd only) | 2.0451% | 4,178 |
| Net charge-offs to loans | 0.0136% | 1,821 |
| Credit loss provision to net charge-offs | 266.6667% | 1,059 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 991 |
| Efficiency ratio | 77.2859% | 933 |
| Assets per employee ($millions) | 4.6939% | 3,973 |
| Cash dividends to net income (ytd only)* | 74.5614% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.7994% | 250 |
| Net loans and leases to deposits | 90.2684% | 595 |
| Net loans and leases to core deposits | 102.8857% | 497 |
| Total domestic deposits to total assets | 89.5103% | 1,002 |
| Equity capital to assets | 10.2421% | 2,663 |
| Core capital (leverage) ratio | 10.3395% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8797% | 2,013 |
| Memoranda: | ||
| Average total assets | $35,459,000 | 4,775 |
| Average earning assets | $33,704,250 | 4,752 |
| Average equity | $3,781,250 | 4,790 |
| Average total loans | $29,390,750 | 4,447 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 586 |
| Cost of funding earning assets | 0.5441% | 970 |
| Net interest margin | 4.0989% | 696 |
| Noninterest income to average assets | 0.2416% | 3,955 |
| Noninterest expense to average assets | 3.1414% | 793 |
| Loan and lease loss provision to assets | 0.0403% | 2,198 |
| Net operating income to assets | 0.9608% | 3,030 |
| Return on assets (ROA) | 0.9608% | 3,114 |
| Pretax return on assets | 0.9608% | 3,525 |
| Return on Equity (ROE) | 8.8838% | 3,137 |
| Retained earnings to average equity (ytd only) | -0.1596% | 4,534 |
| Net charge-offs to loans | 0.0138% | 1,674 |
| Credit loss provision to net charge-offs | 350.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 805 |
| Efficiency ratio | 75.8333% | 1,095 |
| Assets per employee ($millions) | 4.6505% | 3,971 |
| Cash dividends to net income (ytd only)* | 101.7964% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 79.6554% | 334 |
| Net loans and leases to deposits | 88.8047% | 731 |
| Net loans and leases to core deposits | 101.3197% | 620 |
| Total domestic deposits to total assets | 89.6973% | 927 |
| Equity capital to assets | 10.1709% | 2,703 |
| Core capital (leverage) ratio | 10.5316% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4777% | 2,178 |
| Memoranda: | ||
| Average total assets | $34,761,667 | 4,816 |
| Average earning assets | $33,082,333 | 4,790 |
| Average equity | $3,759,667 | 4,821 |
| Average total loans | $28,960,333 | 4,486 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 538 |
| Cost of funding earning assets | 0.5518% | 1,086 |
| Net interest margin | 4.1889% | 616 |
| Noninterest income to average assets | 0.2624% | 3,821 |
| Noninterest expense to average assets | 3.1365% | 792 |
| Loan and lease loss provision to assets | 0.0835% | 1,559 |
| Net operating income to assets | 1.0256% | 2,726 |
| Return on assets (ROA) | 1.0256% | 2,806 |
| Pretax return on assets | 1.0256% | 3,303 |
| Return on Equity (ROE) | 9.1795% | 2,971 |
| Retained earnings to average equity (ytd only) | -8.9660% | 4,799 |
| Net charge-offs to loans | 0.0281% | 1,208 |
| Credit loss provision to net charge-offs | 350.0000% | 699 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 926 |
| Efficiency ratio | 73.8764% | 1,324 |
| Assets per employee ($millions) | 4.4289% | 4,173 |
| Cash dividends to net income (ytd only)* | 197.6744% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.5848% | 304 |
| Net loans and leases to deposits | 90.0808% | 693 |
| Net loans and leases to core deposits | 102.5575% | 617 |
| Total domestic deposits to total assets | 89.4584% | 1,090 |
| Equity capital to assets | 10.4569% | 2,309 |
| Core capital (leverage) ratio | 10.4534% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0407% | 2,276 |
| Memoranda: | ||
| Average total assets | $33,540,500 | 4,843 |
| Average earning assets | $31,894,000 | 4,822 |
| Average equity | $3,747,500 | 4,846 |
| Average total loans | $28,452,000 | 4,523 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 383 |
| Cost of funding earning assets | 0.9823% | 634 |
| Net interest margin | 4.1461% | 717 |
| Noninterest income to average assets | 0.2960% | 3,714 |
| Noninterest expense to average assets | 3.1132% | 1,201 |
| Loan and lease loss provision to assets | 0.1714% | 2,242 |
| Net operating income to assets | 0.9442% | 2,504 |
| Return on assets (ROA) | 0.9442% | 2,654 |
| Pretax return on assets | 0.9442% | 3,241 |
| Return on Equity (ROE) | 8.2534% | 2,712 |
| Retained earnings to average equity (ytd only) | 4.7124% | 2,410 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6183% | 1,493 |
| Assets per employee ($millions) | 3.9563% | 4,405 |
| Cash dividends to net income (ytd only)* | 42.9043% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 87.4376% | 56 |
| Net loans and leases to deposits | 99.4788% | 395 |
| Net loans and leases to core deposits | 117.2428% | 350 |
| Total domestic deposits to total assets | 87.8957% | 1,529 |
| Equity capital to assets | 11.9747% | 1,582 |
| Core capital (leverage) ratio | 11.5187% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6896% | 1,347 |
| Memoranda: | ||
| Average total assets | $32,089,200 | 4,856 |
| Average earning assets | $30,438,200 | 4,833 |
| Average equity | $3,671,200 | 4,866 |
| Average total loans | $28,160,200 | 4,550 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2042% | 412 |
| Cost of funding earning assets | 1.0609% | 617 |
| Net interest margin | 4.1433% | 822 |
| Noninterest income to average assets | 0.3106% | 3,631 |
| Noninterest expense to average assets | 3.1056% | 1,228 |
| Loan and lease loss provision to assets | 0.2267% | 1,790 |
| Net operating income to assets | 0.9068% | 2,669 |
| Return on assets (ROA) | 0.9068% | 2,803 |
| Pretax return on assets | 0.9068% | 3,365 |
| Return on Equity (ROE) | 8.0185% | 2,803 |
| Retained earnings to average equity (ytd only) | 3.2586% | 3,414 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2422% | 1,485 |
| Assets per employee ($millions) | 4.1499% | 4,195 |
| Cash dividends to net income (ytd only)* | 59.3607% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 2,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 86.5177% | 130 |
| Net loans and leases to deposits | 97.5612% | 654 |
| Net loans and leases to core deposits | 118.4698% | 448 |
| Total domestic deposits to total assets | 88.6804% | 905 |
| Equity capital to assets | 11.1660% | 2,269 |
| Core capital (leverage) ratio | 11.2154% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 1,198.8131% | 1 |
| Memoranda: | ||
| Average total assets | $32,199,000 | 4,878 |
| Average earning assets | $30,538,750 | 4,864 |
| Average equity | $3,641,500 | 4,892 |
| Average total loans | $28,197,500 | 4,571 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 407 |
| Cost of funding earning assets | 1.1781% | 546 |
| Net interest margin | 4.2158% | 891 |
| Noninterest income to average assets | 0.3075% | 3,617 |
| Noninterest expense to average assets | 3.1193% | 1,312 |
| Loan and lease loss provision to assets | 0.3452% | 1,230 |
| Net operating income to assets | 0.8410% | 2,893 |
| Return on assets (ROA) | 0.8410% | 3,011 |
| Pretax return on assets | 0.8410% | 3,469 |
| Return on Equity (ROE) | 7.4040% | 2,965 |
| Retained earnings to average equity (ytd only) | 0.2210% | 4,269 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4490% | 1,627 |
| Assets per employee ($millions) | 4.1808% | 4,120 |
| Cash dividends to net income (ytd only)* | 97.0149% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 85.3854% | 163 |
| Net loans and leases to deposits | 95.9256% | 800 |
| Net loans and leases to core deposits | 118.4930% | 469 |
| Total domestic deposits to total assets | 89.0121% | 736 |
| Equity capital to assets | 10.8324% | 2,476 |
| Core capital (leverage) ratio | 11.1207% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1606% | 1,739 |
| Memoranda: | ||
| Average total assets | $31,865,667 | 4,913 |
| Average earning assets | $30,219,333 | 4,895 |
| Average equity | $3,619,667 | 4,926 |
| Average total loans | $27,910,000 | 4,600 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2189% | 640 |
| Cost of funding earning assets | 1.3319% | 510 |
| Net interest margin | 3.8870% | 1,711 |
| Noninterest income to average assets | 0.2961% | 3,751 |
| Noninterest expense to average assets | 3.2051% | 1,412 |
| Loan and lease loss provision to assets | 0.0515% | 3,132 |
| Net operating income to assets | 0.7208% | 3,200 |
| Return on assets (ROA) | 0.7208% | 3,284 |
| Pretax return on assets | 0.7208% | 3,623 |
| Return on Equity (ROE) | 6.1913% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.1913% | 1,803 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5825% | 1,084 |
| Assets per employee ($millions) | 3.8513% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 87.6858% | 72 |
| Net loans and leases to deposits | 99.6827% | 576 |
| Net loans and leases to core deposits | 127.6628% | 306 |
| Total domestic deposits to total assets | 87.9649% | 1,125 |
| Equity capital to assets | 11.8338% | 2,193 |
| Core capital (leverage) ratio | 11.9822% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5714% | 1,730 |
| Memoranda: | ||
| Average total assets | $31,075,500 | 4,961 |
| Average earning assets | $29,431,500 | 4,940 |
| Average equity | $3,618,000 | 4,970 |
| Average total loans | $27,417,500 | 4,646 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 592 |
| Cost of funding earning assets | 1.3556% | 645 |
| Net interest margin | 4.1143% | 1,501 |
| Noninterest income to average assets | 0.1829% | 4,571 |
| Noninterest expense to average assets | 3.2440% | 1,421 |
| Loan and lease loss provision to assets | 0.1727% | 1,211 |
| Net operating income to assets | 0.5384% | 4,312 |
| Return on assets (ROA) | 0.5384% | 4,366 |
| Pretax return on assets | 0.5790% | 4,444 |
| Return on Equity (ROE) | 4.5577% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.5577% | 2,677 |
| Net charge-offs to loans | 0.1127% | 1,608 |
| Credit loss provision to net charge-offs | 182.1429% | 1,443 |
| Earnings coverage of net charge-offs (x) | 7.9286% | 2,826 |
| Efficiency ratio | 81.1864% | 858 |
| Assets per employee ($millions) | 4.4773% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 86.9500% | 122 |
| Net loans and leases to deposits | 98.4964% | 714 |
| Net loans and leases to core deposits | 122.4819% | 414 |
| Total domestic deposits to total assets | 88.2773% | 992 |
| Equity capital to assets | 11.4546% | 2,570 |
| Core capital (leverage) ratio | 11.4909% | 2,118 |
| Tier 1 risk-based capital ratio | 14.4362% | 3,055 |
| Total risk-based capital ratio | 15.5702% | 3,018 |
| Memoranda: | ||
| Average total assets | $29,531,400 | 5,030 |
| Average earning assets | $27,367,800 | 5,017 |
| Average equity | $3,488,600 | 5,037 |
| Average total loans | $24,854,400 | 4,753 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 643 |
| Cost of funding earning assets | 1.3482% | 678 |
| Net interest margin | 4.0995% | 1,612 |
| Noninterest income to average assets | 0.1880% | 4,593 |
| Noninterest expense to average assets | 3.2921% | 1,286 |
| Loan and lease loss provision to assets | 0.1696% | 1,091 |
| Net operating income to assets | 0.5044% | 4,505 |
| Return on assets (ROA) | 0.5044% | 4,554 |
| Pretax return on assets | 0.5044% | 4,695 |
| Return on Equity (ROE) | 4.2348% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.2348% | 3,279 |
| Net charge-offs to loans | 0.1599% | 1,044 |
| Credit loss provision to net charge-offs | 127.5862% | 1,852 |
| Earnings coverage of net charge-offs (x) | 5.0685% | 2,958 |
| Efficiency ratio | 83.0058% | 689 |
| Assets per employee ($millions) | 4.4580% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 89.4219% | 54 |
| Net loans and leases to deposits | 101.1527% | 549 |
| Net loans and leases to core deposits | 123.2553% | 430 |
| Total domestic deposits to total assets | 88.4029% | 870 |
| Equity capital to assets | 11.3472% | 2,796 |
| Core capital (leverage) ratio | 11.6104% | 2,138 |
| Tier 1 risk-based capital ratio | 13.4167% | 3,624 |
| Total risk-based capital ratio | 14.4324% | 3,654 |
| Memoranda: | ||
| Average total assets | $29,079,000 | 5,110 |
| Average earning assets | $26,799,250 | 5,103 |
| Average equity | $3,463,250 | 5,112 |
| Average total loans | $24,184,750 | 4,847 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 817 |
| Cost of funding earning assets | 1.3135% | 714 |
| Net interest margin | 3.9861% | 1,963 |
| Noninterest income to average assets | 0.1198% | 4,966 |
| Noninterest expense to average assets | 3.4121% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4089% | 4,720 |
| Return on assets (ROA) | 0.4089% | 4,742 |
| Pretax return on assets | 0.4089% | 4,819 |
| Return on Equity (ROE) | 3.3747% | 4,708 |
| Retained earnings to average equity (ytd only) | 3.3747% | 3,547 |
| Net charge-offs to loans | 0.0263% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,821 |
| Efficiency ratio | 89.2989% | 378 |
| Assets per employee ($millions) | 4.1603% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,869 |
| Loan loss allowance to noncurrent loans | 36.7816% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3899% | 319 |
| Noncurrent loans to loans | 2.5901% | 439 |
| Net loans and leases to total assets | 91.3948% | 29 |
| Net loans and leases to deposits | 104.1559% | 414 |
| Net loans and leases to core deposits | 133.8968% | 261 |
| Total domestic deposits to total assets | 87.7481% | 1,226 |
| Equity capital to assets | 11.9841% | 2,192 |
| Core capital (leverage) ratio | 11.9988% | 1,831 |
| Tier 1 risk-based capital ratio | 13.9010% | 3,371 |
| Total risk-based capital ratio | 14.9209% | 3,395 |
| Memoranda: | ||
| Average total assets | $28,370,000 | 5,165 |
| Average earning assets | $26,341,330 | 5,151 |
| Average equity | $3,437,330 | 5,155 |
| Average total loans | $22,855,330 | 4,921 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 1,252 |
| Cost of funding earning assets | 1.2624% | 742 |
| Net interest margin | 3.7717% | 2,625 |
| Noninterest income to average assets | 0.1143% | 5,031 |
| Noninterest expense to average assets | 3.3722% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2429% | 4,970 |
| Return on assets (ROA) | 0.2429% | 4,973 |
| Pretax return on assets | 0.2429% | 5,007 |
| Return on Equity (ROE) | 1.9936% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.9936% | 4,066 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2806% | 299 |
| Assets per employee ($millions) | 4.0960% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,612 |
| Loan loss allowance to noncurrent loans | 36.9844% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.4519% | 320 |
| Noncurrent loans to loans | 3.2270% | 311 |
| Net loans and leases to total assets | 75.0732% | 1,630 |
| Net loans and leases to deposits | 85.4574% | 2,192 |
| Net loans and leases to core deposits | 107.7058% | 1,068 |
| Total domestic deposits to total assets | 87.8488% | 1,417 |
| Equity capital to assets | 11.9350% | 2,062 |
| Core capital (leverage) ratio | 12.0512% | 1,739 |
| Tier 1 risk-based capital ratio | 15.9145% | 2,478 |
| Total risk-based capital ratio | 17.1229% | 2,432 |
| Memoranda: | ||
| Average total assets | $27,994,000 | 5,223 |
| Average earning assets | $25,983,000 | 5,208 |
| Average equity | $3,411,000 | 5,205 |
| Average total loans | $20,847,000 | 5,018 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 2,716 |
| Cost of funding earning assets | 0.9034% | 1,078 |
| Net interest margin | 3.5106% | 3,669 |
| Noninterest income to average assets | 0.1035% | 5,141 |
| Noninterest expense to average assets | 3.0859% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2925% | 5,017 |
| Return on assets (ROA) | 0.2925% | 5,011 |
| Pretax return on assets | 0.3032% | 5,040 |
| Return on Equity (ROE) | 2.2840% | 5,006 |
| Retained earnings to average equity (ytd only) | -14.4282% | 5,359 |
| Net charge-offs to loans | 0.0158% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,655 |
| Efficiency ratio | 91.0526% | 308 |
| Assets per employee ($millions) | 3.9023% | 4,034 |
| Cash dividends to net income (ytd only)* | 731.7073% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,034 |
| Loan loss allowance to noncurrent loans | 36.6337% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.5882% | 284 |
| Noncurrent loans to loans | 3.5512% | 243 |
| Net loans and leases to total assets | 71.9359% | 2,269 |
| Net loans and leases to deposits | 82.3416% | 2,687 |
| Net loans and leases to core deposits | 103.9628% | 1,419 |
| Total domestic deposits to total assets | 87.3627% | 1,603 |
| Equity capital to assets | 12.4469% | 1,608 |
| Core capital (leverage) ratio | 12.4038% | 1,512 |
| Tier 1 risk-based capital ratio | 17.5502% | 1,883 |
| Total risk-based capital ratio | 18.7994% | 1,844 |
| Memoranda: | ||
| Average total assets | $28,031,000 | 5,266 |
| Average earning assets | $26,235,200 | 5,244 |
| Average equity | $3,590,200 | 5,225 |
| Average total loans | $19,016,000 | 5,100 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 3,343 |
| Cost of funding earning assets | 0.8488% | 1,126 |
| Net interest margin | 3.3448% | 4,168 |
| Noninterest income to average assets | 0.1087% | 5,178 |
| Noninterest expense to average assets | 3.0107% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2316% | 5,174 |
| Return on assets (ROA) | 0.2316% | 5,170 |
| Pretax return on assets | 0.2458% | 5,177 |
| Return on Equity (ROE) | 1.7959% | 5,154 |
| Retained earnings to average equity (ytd only) | -20.1952% | 5,441 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4528% | 272 |
| Assets per employee ($millions) | 3.9821% | 3,915 |
| Cash dividends to net income (ytd only)* | 1,224.5217% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,260 |
| Loan loss allowance to noncurrent loans | 37.0580% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 336 |
| Noncurrent loans to loans | 3.4257% | 283 |
| Net loans and leases to total assets | 73.0978% | 2,149 |
| Net loans and leases to deposits | 83.2829% | 2,678 |
| Net loans and leases to core deposits | 103.3685% | 1,502 |
| Total domestic deposits to total assets | 87.7704% | 1,352 |
| Equity capital to assets | 12.0682% | 1,860 |
| Core capital (leverage) ratio | 12.2872% | 1,626 |
| Tier 1 risk-based capital ratio | 17.4999% | 1,931 |
| Total risk-based capital ratio | 18.8600% | 1,854 |
| Memoranda: | ||
| Average total assets | $28,209,750 | 5,334 |
| Average earning assets | $26,548,250 | 5,309 |
| Average equity | $3,637,750 | 5,283 |
| Average total loans | $18,792,750 | 5,162 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,758 |
| Cost of funding earning assets | 0.8168% | 1,057 |
| Net interest margin | 3.1921% | 4,525 |
| Noninterest income to average assets | 0.1412% | 5,113 |
| Noninterest expense to average assets | 2.9589% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1695% | 5,251 |
| Return on assets (ROA) | 0.1695% | 5,242 |
| Pretax return on assets | 0.1907% | 5,245 |
| Return on Equity (ROE) | 1.2872% | 5,242 |
| Retained earnings to average equity (ytd only) | -30.8930% | 5,515 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9462% | 263 |
| Assets per employee ($millions) | 3.8660% | 4,108 |
| Cash dividends to net income (ytd only)* | 2,500.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,674 |
| Loan loss allowance to noncurrent loans | 36.5546% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.6384% | 316 |
| Noncurrent loans to loans | 3.8902% | 232 |
| Net loans and leases to total assets | 66.8576% | 3,035 |
| Net loans and leases to deposits | 76.4127% | 3,294 |
| Net loans and leases to core deposits | 95.5330% | 2,100 |
| Total domestic deposits to total assets | 87.4954% | 1,649 |
| Equity capital to assets | 12.3457% | 1,632 |
| Core capital (leverage) ratio | 11.9017% | 1,774 |
| Tier 1 risk-based capital ratio | 19.4967% | 1,433 |
| Total risk-based capital ratio | 21.0171% | 1,338 |
| Memoranda: | ||
| Average total assets | $28,321,330 | 5,395 |
| Average earning assets | $26,691,000 | 5,376 |
| Average equity | $3,729,000 | 5,336 |
| Average total loans | $18,177,670 | 5,233 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,363 |
| Cost of funding earning assets | 0.7906% | 987 |
| Net interest margin | 2.9574% | 4,941 |
| Noninterest income to average assets | 0.1243% | 5,236 |
| Noninterest expense to average assets | 2.8876% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0276% | 5,370 |
| Return on assets (ROA) | 0.0276% | 5,367 |
| Pretax return on assets | 0.0276% | 5,375 |
| Return on Equity (ROE) | 0.2039% | 5,371 |
| Retained earnings to average equity (ytd only) | 0.2039% | 4,775 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0521% | 188 |
| Assets per employee ($millions) | 3.6393% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,309 |
| Loan loss allowance to noncurrent loans | 40.8736% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.2017% | 475 |
| Noncurrent loans to loans | 3.7786% | 274 |
| Net loans and leases to total assets | 57.3676% | 4,006 |
| Net loans and leases to deposits | 66.4201% | 4,059 |
| Net loans and leases to core deposits | 83.0945% | 3,056 |
| Total domestic deposits to total assets | 86.3708% | 2,373 |
| Equity capital to assets | 13.4746% | 1,051 |
| Core capital (leverage) ratio | 13.7076% | 944 |
| Tier 1 risk-based capital ratio | 25.5134% | 722 |
| Total risk-based capital ratio | 26.7676% | 707 |
| Memoranda: | ||
| Average total assets | $28,951,000 | 5,448 |
| Average earning assets | $27,321,500 | 5,425 |
| Average equity | $3,923,000 | 5,367 |
| Average total loans | $18,089,500 | 5,296 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,186 |
| Cost of funding earning assets | 0.7679% | 745 |
| Net interest margin | 3.5809% | 3,235 |
| Noninterest income to average assets | 0.1356% | 5,271 |
| Noninterest expense to average assets | 3.0846% | 1,902 |
| Loan and lease loss provision to assets | -0.7254% | 5,659 |
| Net operating income to assets | 1.1525% | 1,675 |
| Return on assets (ROA) | 1.1525% | 1,704 |
| Pretax return on assets | 1.1593% | 2,948 |
| Return on Equity (ROE) | 9.0929% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.0929% | 492 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6686% | 554 |
| Assets per employee ($millions) | 3.5985% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,919 |
| Loan loss allowance to noncurrent loans | 41.9200% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 490 |
| Noncurrent loans to loans | 3.2527% | 323 |
| Net loans and leases to total assets | 65.8365% | 3,123 |
| Net loans and leases to deposits | 76.3464% | 3,295 |
| Net loans and leases to core deposits | 92.6027% | 2,318 |
| Total domestic deposits to total assets | 86.2338% | 2,334 |
| Equity capital to assets | 13.6272% | 1,011 |
| Core capital (leverage) ratio | 13.2839% | 1,043 |
| Tier 1 risk-based capital ratio | 21.7184% | 1,050 |
| Total risk-based capital ratio | 22.9696% | 1,027 |
| Memoranda: | ||
| Average total assets | $29,501,800 | 5,497 |
| Average earning assets | $27,870,000 | 5,466 |
| Average equity | $3,739,200 | 5,452 |
| Average total loans | $20,953,200 | 5,287 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,230 |
| Cost of funding earning assets | 0.7522% | 751 |
| Net interest margin | 3.5610% | 3,287 |
| Noninterest income to average assets | 0.1617% | 5,210 |
| Noninterest expense to average assets | 3.0772% | 1,867 |
| Loan and lease loss provision to assets | -0.9568% | 5,729 |
| Net operating income to assets | 1.3881% | 1,117 |
| Return on assets (ROA) | 1.3881% | 1,134 |
| Pretax return on assets | 1.4016% | 2,114 |
| Return on Equity (ROE) | 11.1552% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.1552% | 392 |
| Net charge-offs to loans | 0.0187% | 3,117 |
| Credit loss provision to net charge-offs | -7,100.0000% | 5,198 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,473 |
| Efficiency ratio | 87.3724% | 547 |
| Assets per employee ($millions) | 3.7101% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,719 |
| Loan loss allowance to noncurrent loans | 40.8163% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.1462% | 581 |
| Noncurrent loans to loans | 3.0281% | 417 |
| Net loans and leases to total assets | 69.9976% | 2,555 |
| Net loans and leases to deposits | 80.7337% | 2,898 |
| Net loans and leases to core deposits | 99.0938% | 1,789 |
| Total domestic deposits to total assets | 86.7019% | 1,992 |
| Equity capital to assets | 13.1262% | 1,324 |
| Core capital (leverage) ratio | 13.1930% | 1,129 |
| Tier 1 risk-based capital ratio | 19.6875% | 1,440 |
| Total risk-based capital ratio | 20.9366% | 1,398 |
| Memoranda: | ||
| Average total assets | $29,680,250 | 5,554 |
| Average earning assets | $28,006,750 | 5,528 |
| Average equity | $3,693,250 | 5,520 |
| Average total loans | $21,387,750 | 5,328 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 1,802 |
| Cost of funding earning assets | 0.7508% | 687 |
| Net interest margin | 3.6540% | 2,821 |
| Noninterest income to average assets | 0.1550% | 5,285 |
| Noninterest expense to average assets | 3.1671% | 1,662 |
| Loan and lease loss provision to assets | 0.0067% | 3,789 |
| Net operating income to assets | 0.4111% | 4,959 |
| Return on assets (ROA) | 0.4111% | 4,981 |
| Pretax return on assets | 0.4245% | 5,133 |
| Return on Equity (ROE) | 3.3649% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.3649% | 3,713 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0150% | 546 |
| Assets per employee ($millions) | 3.7013% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 387 |
| Loan loss allowance to noncurrent loans | 73.6111% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 546 |
| Noncurrent loans to loans | 3.0841% | 410 |
| Net loans and leases to total assets | 69.3482% | 2,611 |
| Net loans and leases to deposits | 79.2237% | 3,003 |
| Net loans and leases to core deposits | 97.0278% | 1,886 |
| Total domestic deposits to total assets | 87.5346% | 1,697 |
| Equity capital to assets | 12.3134% | 1,723 |
| Core capital (leverage) ratio | 12.3341% | 1,453 |
| Tier 1 risk-based capital ratio | 18.6833% | 1,671 |
| Total risk-based capital ratio | 19.9498% | 1,632 |
| Memoranda: | ||
| Average total assets | $29,680,000 | 5,602 |
| Average earning assets | $27,969,330 | 5,577 |
| Average equity | $3,625,670 | 5,573 |
| Average total loans | $21,505,000 | 5,365 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 893 |
| Cost of funding earning assets | 0.7442% | 678 |
| Net interest margin | 3.9784% | 1,524 |
| Noninterest income to average assets | 0.1750% | 5,229 |
| Noninterest expense to average assets | 3.0557% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8346% | 3,059 |
| Return on assets (ROA) | 0.8346% | 3,114 |
| Pretax return on assets | 0.8615% | 3,892 |
| Return on Equity (ROE) | 6.8594% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.8594% | 1,906 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0069% | 1,626 |
| Assets per employee ($millions) | 3.7081% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2483% | 440 |
| Loan loss allowance to noncurrent loans | 74.4914% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.1541% | 587 |
| Noncurrent loans to loans | 3.0181% | 456 |
| Net loans and leases to total assets | 69.7657% | 2,425 |
| Net loans and leases to deposits | 79.6551% | 2,794 |
| Net loans and leases to core deposits | 99.7638% | 1,521 |
| Total domestic deposits to total assets | 87.5847% | 1,952 |
| Equity capital to assets | 12.2973% | 1,662 |
| Core capital (leverage) ratio | 12.3026% | 1,443 |
| Tier 1 risk-based capital ratio | 18.0786% | 1,849 |
| Total risk-based capital ratio | 19.3433% | 1,806 |
| Memoranda: | ||
| Average total assets | $29,715,000 | 5,667 |
| Average earning assets | $27,951,000 | 5,640 |
| Average equity | $3,615,500 | 5,634 |
| Average total loans | $21,752,000 | 5,414 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,050 |
| Cost of funding earning assets | 0.7009% | 806 |
| Net interest margin | 3.6280% | 2,971 |
| Noninterest income to average assets | 0.1842% | 5,296 |
| Noninterest expense to average assets | 3.2070% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4026% | 4,935 |
| Return on assets (ROA) | 0.4026% | 5,017 |
| Pretax return on assets | 0.3855% | 5,248 |
| Return on Equity (ROE) | 3.3471% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.3471% | 3,538 |
| Net charge-offs to loans | 0.1027% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.3810% | 3,351 |
| Efficiency ratio | 89.2688% | 600 |
| Assets per employee ($millions) | 3.7206% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.4285% | 1,939 |
| Net loans and leases to deposits | 83.5634% | 2,471 |
| Net loans and leases to core deposits | 104.4193% | 1,249 |
| Total domestic deposits to total assets | 87.8717% | 1,693 |
| Equity capital to assets | 12.0376% | 1,773 |
| Core capital (leverage) ratio | 12.1032% | 1,536 |
| Tier 1 risk-based capital ratio | 17.1491% | 2,110 |
| Total risk-based capital ratio | 18.4124% | 2,066 |
| Memoranda: | ||
| Average total assets | $29,311,200 | 5,720 |
| Average earning assets | $27,535,800 | 5,700 |
| Average equity | $3,525,400 | 5,694 |
| Average total loans | $20,447,200 | 5,506 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 2,540 |
| Cost of funding earning assets | 0.6956% | 834 |
| Net interest margin | 3.4977% | 3,475 |
| Noninterest income to average assets | 0.1827% | 5,368 |
| Noninterest expense to average assets | 3.1737% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3196% | 5,243 |
| Return on assets (ROA) | 0.3196% | 5,323 |
| Pretax return on assets | 0.2922% | 5,464 |
| Return on Equity (ROE) | 2.6582% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.6582% | 4,321 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5679% | 492 |
| Assets per employee ($millions) | 3.8238% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 365 |
| Loan loss allowance to noncurrent loans | 801.6129% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,622 |
| Noncurrent loans to loans | 0.3023% | 4,167 |
| Net loans and leases to total assets | 65.4168% | 3,215 |
| Net loans and leases to deposits | 76.9683% | 3,290 |
| Net loans and leases to core deposits | 86.0614% | 2,946 |
| Total domestic deposits to total assets | 84.9918% | 2,807 |
| Equity capital to assets | 11.5855% | 2,446 |
| Core capital (leverage) ratio | 11.6224% | 1,941 |
| Tier 1 risk-based capital ratio | 18.0445% | 1,904 |
| Total risk-based capital ratio | 19.3101% | 1,870 |
| Memoranda: | ||
| Average total assets | $29,197,750 | 5,782 |
| Average earning assets | $27,407,750 | 5,761 |
| Average equity | $3,511,000 | 5,756 |
| Average total loans | $19,976,000 | 5,574 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 2,601 |
| Cost of funding earning assets | 0.6804% | 888 |
| Net interest margin | 3.4908% | 3,518 |
| Noninterest income to average assets | 0.1601% | 5,519 |
| Noninterest expense to average assets | 3.1809% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3132% | 5,282 |
| Return on assets (ROA) | 0.3132% | 5,374 |
| Pretax return on assets | 0.2645% | 5,544 |
| Return on Equity (ROE) | 2.5714% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.5714% | 4,255 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3232% | 483 |
| Assets per employee ($millions) | 4.2999% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4253% | 395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.4308% | 3,020 |
| Net loans and leases to deposits | 78.2982% | 3,123 |
| Net loans and leases to core deposits | 87.7089% | 2,758 |
| Total domestic deposits to total assets | 84.8434% | 2,942 |
| Equity capital to assets | 11.6947% | 2,362 |
| Core capital (leverage) ratio | 11.9286% | 1,686 |
| Tier 1 risk-based capital ratio | 18.1545% | 1,889 |
| Total risk-based capital ratio | 19.4217% | 1,849 |
| Memoranda: | ||
| Average total assets | $28,733,670 | 5,864 |
| Average earning assets | $27,042,670 | 5,841 |
| Average equity | $3,500,000 | 5,827 |
| Average total loans | $19,798,670 | 5,639 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 1,987 |
| Cost of funding earning assets | 0.6833% | 874 |
| Net interest margin | 3.6593% | 2,853 |
| Noninterest income to average assets | 0.1711% | 5,466 |
| Noninterest expense to average assets | 3.1942% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5134% | 4,576 |
| Return on assets (ROA) | 0.5134% | 4,682 |
| Pretax return on assets | 0.4135% | 5,281 |
| Return on Equity (ROE) | 4.1261% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.1261% | 3,423 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5375% | 774 |
| Assets per employee ($millions) | 3.5931% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4825% | 393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 67.9179% | 2,658 |
| Net loans and leases to deposits | 80.6436% | 2,709 |
| Net loans and leases to core deposits | 87.7596% | 2,586 |
| Total domestic deposits to total assets | 84.2199% | 3,442 |
| Equity capital to assets | 12.2039% | 1,891 |
| Core capital (leverage) ratio | 12.5651% | 1,312 |
| Tier 1 risk-based capital ratio | 18.1894% | 1,935 |
| Total risk-based capital ratio | 19.4574% | 1,893 |
| Memoranda: | ||
| Average total assets | $28,051,000 | 5,940 |
| Average earning assets | $26,343,500 | 5,910 |
| Average equity | $3,490,000 | 5,882 |
| Average total loans | $19,452,000 | 5,699 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 1,990 |
| Cost of funding earning assets | 0.6399% | 1,128 |
| Net interest margin | 3.7327% | 2,632 |
| Noninterest income to average assets | 0.0642% | 5,968 |
| Noninterest expense to average assets | 3.0038% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5708% | 4,418 |
| Return on assets (ROA) | 0.5672% | 4,525 |
| Pretax return on assets | 0.5530% | 4,982 |
| Return on Equity (ROE) | 4.6410% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.8897% | 4,008 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3687% | 1,147 |
| Assets per employee ($millions) | 4.5595% | 2,948 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6319% | 344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.2113% | 2,835 |
| Net loans and leases to deposits | 80.4366% | 2,776 |
| Net loans and leases to core deposits | 86.5230% | 2,757 |
| Total domestic deposits to total assets | 83.5581% | 3,651 |
| Equity capital to assets | 12.6915% | 1,513 |
| Core capital (leverage) ratio | 12.3834% | 1,406 |
| Tier 1 risk-based capital ratio | 18.7897% | 1,747 |
| Total risk-based capital ratio | 20.0586% | 1,707 |
| Memoranda: | ||
| Average total assets | $28,031,400 | 5,990 |
| Average earning assets | $26,254,600 | 5,964 |
| Average equity | $3,426,000 | 5,932 |
| Average total loans | $19,631,000 | 5,735 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 1,967 |
| Cost of funding earning assets | 0.6409% | 1,144 |
| Net interest margin | 3.7445% | 2,590 |
| Noninterest income to average assets | -0.1040% | 6,234 |
| Noninterest expense to average assets | 2.7990% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6288% | 4,247 |
| Return on assets (ROA) | 0.6241% | 4,375 |
| Pretax return on assets | 0.6005% | 4,972 |
| Return on Equity (ROE) | 5.1545% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.2019% | 4,182 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2222% | 1,361 |
| Assets per employee ($millions) | 4.7430% | 2,635 |
| Cash dividends to net income (ytd only)* | 37.8807% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6743% | 344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 63.5568% | 3,373 |
| Net loans and leases to deposits | 75.6114% | 3,350 |
| Net loans and leases to core deposits | 82.0123% | 3,247 |
| Total domestic deposits to total assets | 84.0572% | 3,399 |
| Equity capital to assets | 12.1829% | 1,972 |
| Core capital (leverage) ratio | 12.0095% | 1,668 |
| Tier 1 risk-based capital ratio | 19.0437% | 1,764 |
| Total risk-based capital ratio | 20.3136% | 1,729 |
| Memoranda: | ||
| Average total assets | $28,200,000 | 6,070 |
| Average earning assets | $26,420,250 | 6,044 |
| Average equity | $3,414,500 | 6,012 |
| Average total loans | $19,817,750 | 5,801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 1,980 |
| Cost of funding earning assets | 0.6237% | 1,270 |
| Net interest margin | 3.7346% | 2,563 |
| Noninterest income to average assets | 0.1707% | 5,680 |
| Noninterest expense to average assets | 2.9949% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7114% | 3,836 |
| Return on assets (ROA) | 0.7114% | 3,961 |
| Pretax return on assets | 0.6687% | 4,761 |
| Return on Equity (ROE) | 5.8875% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.9438% | 4,159 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7476% | 1,525 |
| Assets per employee ($millions) | 4.7117% | 2,658 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6152% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 5,086 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 65.4652% | 3,055 |
| Net loans and leases to deposits | 77.7246% | 3,067 |
| Net loans and leases to core deposits | 84.3259% | 2,950 |
| Total domestic deposits to total assets | 84.2271% | 3,475 |
| Equity capital to assets | 12.0410% | 1,996 |
| Core capital (leverage) ratio | 11.9955% | 1,665 |
| Tier 1 risk-based capital ratio | 18.5318% | 1,911 |
| Total risk-based capital ratio | 19.8005% | 1,869 |
| Memoranda: | ||
| Average total assets | $28,114,000 | 6,141 |
| Average earning assets | $26,294,330 | 6,109 |
| Average equity | $3,397,000 | 6,078 |
| Average total loans | $20,229,000 | 5,841 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,510 |
| Cost of funding earning assets | 0.6121% | 1,353 |
| Net interest margin | 3.8714% | 1,988 |
| Noninterest income to average assets | 0.1712% | 5,692 |
| Noninterest expense to average assets | 2.9819% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7704% | 3,426 |
| Return on assets (ROA) | 0.7704% | 3,562 |
| Pretax return on assets | 0.7990% | 4,245 |
| Return on Equity (ROE) | 6.3651% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.3651% | 2,302 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8679% | 2,066 |
| Assets per employee ($millions) | 4.7343% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4310% | 584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,179 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 70.2211% | 2,111 |
| Net loans and leases to deposits | 83.3591% | 2,159 |
| Net loans and leases to core deposits | 90.3806% | 2,096 |
| Total domestic deposits to total assets | 84.2392% | 3,715 |
| Equity capital to assets | 12.0679% | 1,984 |
| Core capital (leverage) ratio | 12.2991% | 1,462 |
| Tier 1 risk-based capital ratio | 17.9542% | 2,146 |
| Total risk-based capital ratio | 19.2191% | 2,100 |
| Memoranda: | ||
| Average total assets | $28,036,000 | 6,208 |
| Average earning assets | $26,140,500 | 6,174 |
| Average equity | $3,393,500 | 6,140 |
| Average total loans | $20,841,500 | 5,859 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 1,225 |
| Cost of funding earning assets | 0.7079% | 1,059 |
| Net interest margin | 4.0276% | 1,815 |
| Noninterest income to average assets | 1.5367% | 522 |
| Noninterest expense to average assets | 3.3214% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8514% | 426 |
| Return on assets (ROA) | 1.8514% | 442 |
| Pretax return on assets | 1.9440% | 567 |
| Return on Equity (ROE) | 15.0693% | 771 |
| Retained earnings to average equity (ytd only) | 9.9458% | 528 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0802% | 4,744 |
| Assets per employee ($millions) | 4.6110% | 2,858 |
| Cash dividends to net income (ytd only)* | 34.0000% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3400% | 681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 5,230 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 74.9729% | 1,422 |
| Net loans and leases to deposits | 89.1286% | 1,602 |
| Net loans and leases to core deposits | 94.6432% | 1,855 |
| Total domestic deposits to total assets | 84.1177% | 3,657 |
| Equity capital to assets | 12.1413% | 1,914 |
| Core capital (leverage) ratio | 12.5471% | 1,335 |
| Tier 1 risk-based capital ratio | 17.1595% | 2,450 |
| Total risk-based capital ratio | 18.4237% | 2,394 |
| Memoranda: | ||
| Average total assets | $27,006,600 | 6,315 |
| Average earning assets | $25,002,600 | 6,274 |
| Average equity | $3,318,000 | 6,213 |
| Average total loans | $20,903,400 | 5,925 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 1,235 |
| Cost of funding earning assets | 0.6559% | 1,417 |
| Net interest margin | 4.0753% | 1,655 |
| Noninterest income to average assets | 1.9372% | 365 |
| Noninterest expense to average assets | 3.3479% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2402% | 220 |
| Return on assets (ROA) | 2.2402% | 227 |
| Pretax return on assets | 2.3545% | 278 |
| Return on Equity (ROE) | 18.1791% | 420 |
| Retained earnings to average equity (ytd only) | 14.7529% | 219 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7108% | 5,351 |
| Assets per employee ($millions) | 3.6946% | 4,500 |
| Cash dividends to net income (ytd only)* | 18.8469% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4068% | 731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 5,365 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 77.9251% | 970 |
| Net loans and leases to deposits | 95.1062% | 948 |
| Net loans and leases to core deposits | 98.1924% | 1,512 |
| Total domestic deposits to total assets | 81.9349% | 4,500 |
| Equity capital to assets | 13.1506% | 1,350 |
| Core capital (leverage) ratio | 12.9225% | 1,216 |
| Tier 1 risk-based capital ratio | 17.7702% | 2,289 |
| Total risk-based capital ratio | 19.0392% | 2,247 |
| Memoranda: | ||
| Average total assets | $26,841,750 | 6,390 |
| Average earning assets | $24,799,250 | 6,352 |
| Average equity | $3,307,750 | 6,283 |
| Average total loans | $20,819,500 | 5,989 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,454 |
| Cost of funding earning assets | 0.6554% | 1,468 |
| Net interest margin | 3.9726% | 1,898 |
| Noninterest income to average assets | 2.8047% | 201 |
| Noninterest expense to average assets | 3.2906% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.0182% | 91 |
| Return on assets (ROA) | 3.0182% | 93 |
| Pretax return on assets | 3.1728% | 102 |
| Return on Equity (ROE) | 25.0254% | 108 |
| Retained earnings to average equity (ytd only) | 19.8372% | 86 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9112% | 6,127 |
| Assets per employee ($millions) | 3.3020% | 5,246 |
| Cash dividends to net income (ytd only)* | 20.7317% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4159% | 799 |
| Loan loss allowance to noncurrent loans | 207.0833% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 2,847 |
| Noncurrent loans to loans | 1.1666% | 2,893 |
| Net loans and leases to total assets | 75.9956% | 1,169 |
| Net loans and leases to deposits | 92.0660% | 1,144 |
| Net loans and leases to core deposits | 94.9622% | 1,688 |
| Total domestic deposits to total assets | 82.5447% | 4,465 |
| Equity capital to assets | 12.7498% | 1,515 |
| Core capital (leverage) ratio | 12.6892% | 1,289 |
| Tier 1 risk-based capital ratio | 17.6067% | 2,382 |
| Total risk-based capital ratio | 18.8741% | 2,347 |
| Memoranda: | ||
| Average total assets | $27,168,330 | 6,445 |
| Average earning assets | $25,021,330 | 6,410 |
| Average equity | $3,276,670 | 6,337 |
| Average total loans | $20,876,000 | 6,036 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 1,303 |
| Cost of funding earning assets | 0.6776% | 1,383 |
| Net interest margin | 4.0027% | 1,750 |
| Noninterest income to average assets | 5.4748% | 105 |
| Noninterest expense to average assets | 3.4417% | 1,605 |
| Loan and lease loss provision to assets | 0.0145% | 3,640 |
| Net operating income to assets | 5.4312% | 42 |
| Return on assets (ROA) | 5.4312% | 42 |
| Pretax return on assets | 5.7071% | 51 |
| Return on Equity (ROE) | 46.3015% | 24 |
| Retained earnings to average equity (ytd only) | 46.3015% | 15 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5594% | 6,624 |
| Assets per employee ($millions) | 3.3783% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4293% | 877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 5,613 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 74.0102% | 1,266 |
| Net loans and leases to deposits | 89.3784% | 1,214 |
| Net loans and leases to core deposits | 91.0092% | 1,828 |
| Total domestic deposits to total assets | 82.8054% | 4,668 |
| Equity capital to assets | 12.6471% | 1,493 |
| Core capital (leverage) ratio | 12.6207% | 1,331 |
| Tier 1 risk-based capital ratio | 17.6919% | 2,412 |
| Total risk-based capital ratio | 18.9575% | 2,373 |
| Memoranda: | ||
| Average total assets | $27,544,500 | 6,505 |
| Average earning assets | $25,383,000 | 6,473 |
| Average equity | $3,231,000 | 6,401 |
| Average total loans | $21,028,000 | 6,095 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,902 |
| Cost of funding earning assets | 0.6996% | 1,816 |
| Net interest margin | 3.8935% | 2,308 |
| Noninterest income to average assets | 0.6594% | 2,758 |
| Noninterest expense to average assets | 3.8751% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4090% | 5,116 |
| Return on assets (ROA) | 0.6735% | 4,023 |
| Pretax return on assets | 0.6594% | 4,671 |
| Return on Equity (ROE) | 6.3426% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.5200% | 3,721 |
| Net charge-offs to loans | 1.0175% | 564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.5308% | 4,904 |
| Efficiency ratio | 87.6135% | 1,254 |
| Assets per employee ($millions) | 4.0090% | 3,845 |
| Cash dividends to net income (ytd only)* | 44.5026% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3056% | 1,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 4,907 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 75.0419% | 1,215 |
| Net loans and leases to deposits | 88.3903% | 1,421 |
| Net loans and leases to core deposits | 89.8997% | 2,041 |
| Total domestic deposits to total assets | 84.8983% | 3,797 |
| Equity capital to assets | 10.8470% | 2,764 |
| Core capital (leverage) ratio | 11.1605% | 2,229 |
| Tier 1 risk-based capital ratio | 15.1308% | 3,591 |
| Total risk-based capital ratio | 16.3967% | 3,524 |
| Memoranda: | ||
| Average total assets | $28,360,800 | 6,554 |
| Average earning assets | $26,300,200 | 6,522 |
| Average equity | $3,011,400 | 6,530 |
| Average total loans | $20,736,200 | 6,161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 2,174 |
| Cost of funding earning assets | 0.7013% | 1,936 |
| Net interest margin | 3.8143% | 2,591 |
| Noninterest income to average assets | 0.4501% | 4,152 |
| Noninterest expense to average assets | 3.6058% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4126% | 5,199 |
| Return on assets (ROA) | 0.7690% | 3,639 |
| Pretax return on assets | 0.7455% | 4,503 |
| Return on Equity (ROE) | 7.2808% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.2808% | 1,750 |
| Net charge-offs to loans | 1.3703% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3933% | 4,732 |
| Efficiency ratio | 85.7981% | 1,376 |
| Assets per employee ($millions) | 3.7830% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3216% | 1,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 4,314 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 78.9661% | 650 |
| Net loans and leases to deposits | 94.3935% | 808 |
| Net loans and leases to core deposits | 94.3935% | 1,534 |
| Total domestic deposits to total assets | 83.6562% | 4,325 |
| Equity capital to assets | 11.7216% | 2,114 |
| Core capital (leverage) ratio | 11.3217% | 2,179 |
| Tier 1 risk-based capital ratio | 15.9511% | 3,221 |
| Total risk-based capital ratio | 17.2190% | 3,165 |
| Memoranda: | ||
| Average total assets | $28,435,250 | 6,627 |
| Average earning assets | $26,426,250 | 6,596 |
| Average equity | $3,003,250 | 6,603 |
| Average total loans | $20,531,250 | 6,239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 2,501 |
| Cost of funding earning assets | 0.7040% | 2,040 |
| Net interest margin | 3.7125% | 2,909 |
| Noninterest income to average assets | 0.3507% | 4,883 |
| Noninterest expense to average assets | 3.3349% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4469% | 5,029 |
| Return on assets (ROA) | 0.4469% | 5,199 |
| Pretax return on assets | 0.4607% | 5,495 |
| Return on Equity (ROE) | 4.3776% | 5,058 |
| Retained earnings to average equity (ytd only) | 4.3776% | 3,489 |
| Net charge-offs to loans | 2.0851% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3175% | 4,435 |
| Efficiency ratio | 87.8623% | 1,233 |
| Assets per employee ($millions) | 2.8853% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4415% | 1,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 4,023 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.8282% | 2,087 |
| Net loans and leases to deposits | 80.5999% | 2,235 |
| Net loans and leases to core deposits | 80.5999% | 2,968 |
| Total domestic deposits to total assets | 85.3949% | 3,703 |
| Equity capital to assets | 10.4149% | 3,410 |
| Core capital (leverage) ratio | 10.2039% | 3,222 |
| Tier 1 risk-based capital ratio | 15.6166% | 3,419 |
| Total risk-based capital ratio | 16.8841% | 3,351 |
| Memoranda: | ||
| Average total assets | $29,086,670 | 6,667 |
| Average earning assets | $26,989,670 | 6,629 |
| Average equity | $2,969,670 | 6,661 |
| Average total loans | $20,239,000 | 6,291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,817 |
| Cost of funding earning assets | 0.7270% | 2,015 |
| Net interest margin | 3.5906% | 3,298 |
| Noninterest income to average assets | 0.2876% | 5,398 |
| Noninterest expense to average assets | 3.3421% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2465% | 5,736 |
| Return on assets (ROA) | 0.2465% | 5,856 |
| Pretax return on assets | 0.2602% | 5,932 |
| Return on Equity (ROE) | 2.4390% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.4390% | 4,806 |
| Net charge-offs to loans | 4.1823% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0900% | 3,789 |
| Efficiency ratio | 92.7757% | 921 |
| Assets per employee ($millions) | 2.9446% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5167% | 1,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 3,238 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.3773% | 2,483 |
| Net loans and leases to deposits | 76.1270% | 2,617 |
| Net loans and leases to core deposits | 76.9148% | 3,215 |
| Total domestic deposits to total assets | 85.8792% | 3,596 |
| Equity capital to assets | 10.0557% | 4,074 |
| Core capital (leverage) ratio | 10.2094% | 3,135 |
| Tier 1 risk-based capital ratio | 15.4857% | 3,533 |
| Total risk-based capital ratio | 16.7518% | 3,485 |
| Memoranda: | ||
| Average total assets | $29,203,500 | 6,735 |
| Average earning assets | $26,959,000 | 6,694 |
| Average equity | $2,952,000 | 6,736 |
| Average total loans | $20,180,500 | 6,348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 2,262 |
| Cost of funding earning assets | 0.8448% | 2,328 |
| Net interest margin | 3.9374% | 2,662 |
| Noninterest income to average assets | 0.2252% | 5,829 |
| Noninterest expense to average assets | 3.2359% | 2,502 |
| Loan and lease loss provision to assets | -0.0035% | 6,814 |
| Net operating income to assets | 0.6283% | 4,095 |
| Return on assets (ROA) | 0.7414% | 3,793 |
| Pretax return on assets | 0.7761% | 4,384 |
| Return on Equity (ROE) | 7.2809% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.8312% | 2,823 |
| Net charge-offs to loans | -0.0145% | 6,515 |
| Credit loss provision to net charge-offs | 33.3333% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1701% | 1,721 |
| Assets per employee ($millions) | 3.2179% | 5,582 |
| Cash dividends to net income (ytd only)* | 33.6449% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4347% | 452 |
| Loan loss allowance to noncurrent loans | 118.7919% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0579% | 2,378 |
| Noncurrent loans to loans | 2.8914% | 1,809 |
| Net loans and leases to total assets | 68.7304% | 2,073 |
| Net loans and leases to deposits | 80.1361% | 2,263 |
| Net loans and leases to core deposits | 80.9805% | 2,884 |
| Total domestic deposits to total assets | 85.7671% | 3,475 |
| Equity capital to assets | 10.1619% | 3,944 |
| Core capital (leverage) ratio | 9.7908% | 3,671 |
| Tier 1 risk-based capital ratio | 15.5038% | 3,421 |
| Total risk-based capital ratio | 16.7846% | 3,367 |
| Memoranda: | ||
| Average total assets | $28,864,000 | 6,781 |
| Average earning assets | $26,870,600 | 6,740 |
| Average equity | $2,939,200 | 6,798 |
| Average total loans | $20,675,600 | 6,391 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 2,212 |
| Cost of funding earning assets | 0.8532% | 2,512 |
| Net interest margin | 3.9930% | 2,531 |
| Noninterest income to average assets | 0.2543% | 5,749 |
| Noninterest expense to average assets | 3.2223% | 2,494 |
| Loan and lease loss provision to assets | -0.0046% | 6,949 |
| Net operating income to assets | 0.7258% | 3,794 |
| Return on assets (ROA) | 0.7258% | 4,042 |
| Pretax return on assets | 0.7582% | 4,643 |
| Return on Equity (ROE) | 7.1243% | 3,740 |
| Retained earnings to average equity (ytd only) | 7.1243% | 2,048 |
| Net charge-offs to loans | -0.0193% | 6,487 |
| Credit loss provision to net charge-offs | 33.3333% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0465% | 1,927 |
| Assets per employee ($millions) | 3.2978% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3761% | 519 |
| Loan loss allowance to noncurrent loans | 1,573.3333% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 5,936 |
| Noncurrent loans to loans | 0.2146% | 6,071 |
| Net loans and leases to total assets | 68.2716% | 2,250 |
| Net loans and leases to deposits | 79.7128% | 2,437 |
| Net loans and leases to core deposits | 80.5302% | 3,138 |
| Total domestic deposits to total assets | 85.6469% | 3,441 |
| Equity capital to assets | 10.2325% | 4,158 |
| Core capital (leverage) ratio | 9.9599% | 3,596 |
| Tier 1 risk-based capital ratio | 15.5716% | 3,496 |
| Total risk-based capital ratio | 16.8514% | 3,444 |
| Memoranda: | ||
| Average total assets | $28,839,750 | 6,868 |
| Average earning assets | $26,879,750 | 6,827 |
| Average equity | $2,938,250 | 6,889 |
| Average total loans | $20,691,250 | 6,481 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 2,217 |
| Cost of funding earning assets | 0.8737% | 2,620 |
| Net interest margin | 3.9994% | 2,507 |
| Noninterest income to average assets | 0.2521% | 5,775 |
| Noninterest expense to average assets | 3.2213% | 2,521 |
| Loan and lease loss provision to assets | -0.0070% | 7,023 |
| Net operating income to assets | 0.7283% | 3,712 |
| Return on assets (ROA) | 0.7283% | 3,988 |
| Pretax return on assets | 0.7563% | 4,621 |
| Return on Equity (ROE) | 7.1593% | 3,695 |
| Retained earnings to average equity (ytd only) | 7.1593% | 2,012 |
| Net charge-offs to loans | 0.2719% | 2,955 |
| Credit loss provision to net charge-offs | -3.5714% | 5,910 |
| Earnings coverage of net charge-offs (x) | 3.8214% | 3,255 |
| Efficiency ratio | 81.1287% | 2,009 |
| Assets per employee ($millions) | 2.8327% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 574 |
| Loan loss allowance to noncurrent loans | 1,504.4444% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 5,969 |
| Noncurrent loans to loans | 0.2211% | 6,139 |
| Net loans and leases to total assets | 69.4602% | 2,014 |
| Net loans and leases to deposits | 84.9422% | 1,725 |
| Net loans and leases to core deposits | 85.8989% | 2,441 |
| Total domestic deposits to total assets | 81.7736% | 5,208 |
| Equity capital to assets | 10.4706% | 3,721 |
| Core capital (leverage) ratio | 9.8693% | 3,622 |
| Tier 1 risk-based capital ratio | 15.5637% | 3,396 |
| Total risk-based capital ratio | 16.8447% | 3,350 |
| Memoranda: | ||
| Average total assets | $28,559,670 | 6,927 |
| Average earning assets | $26,554,000 | 6,885 |
| Average equity | $2,905,330 | 6,932 |
| Average total loans | $20,598,000 | 6,534 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 2,021 |
| Cost of funding earning assets | 0.8725% | 2,891 |
| Net interest margin | 4.0917% | 2,127 |
| Noninterest income to average assets | 0.2650% | 5,753 |
| Noninterest expense to average assets | 3.3756% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6556% | 4,103 |
| Return on assets (ROA) | 0.6556% | 4,317 |
| Pretax return on assets | 0.6835% | 4,847 |
| Return on Equity (ROE) | 6.5391% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.5391% | 2,659 |
| Net charge-offs to loans | 0.5598% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6897% | 3,484 |
| Efficiency ratio | 83.1615% | 1,779 |
| Assets per employee ($millions) | 2.9137% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3128% | 615 |
| Loan loss allowance to noncurrent loans | 1,327.4510% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 5,273 |
| Noncurrent loans to loans | 0.2496% | 6,183 |
| Net loans and leases to total assets | 67.8141% | 2,144 |
| Net loans and leases to deposits | 82.1785% | 1,914 |
| Net loans and leases to core deposits | 83.0664% | 2,676 |
| Total domestic deposits to total assets | 82.5205% | 5,120 |
| Equity capital to assets | 9.9633% | 4,169 |
| Core capital (leverage) ratio | 10.0161% | 3,353 |
| Tier 1 risk-based capital ratio | 14.7498% | 3,926 |
| Total risk-based capital ratio | 16.0259% | 3,871 |
| Memoranda: | ||
| Average total assets | $28,676,000 | 6,986 |
| Average earning assets | $26,590,500 | 6,943 |
| Average equity | $2,875,000 | 6,985 |
| Average total loans | $20,720,500 | 6,581 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 3,443 |
| Cost of funding earning assets | 1.0587% | 2,962 |
| Net interest margin | 3.8238% | 3,703 |
| Noninterest income to average assets | 0.2928% | 5,439 |
| Noninterest expense to average assets | 3.7374% | 1,463 |
| Loan and lease loss provision to assets | 0.5699% | 1,827 |
| Net operating income to assets | -0.5573% | 6,529 |
| Return on assets (ROA) | -0.4408% | 6,495 |
| Pretax return on assets | -0.4408% | 6,445 |
| Return on Equity (ROE) | -5.0935% | 6,533 |
| Retained earnings to average equity (ytd only) | -5.0935% | 6,455 |
| Net charge-offs to loans | 0.4289% | 3,289 |
| Credit loss provision to net charge-offs | 198.9011% | 1,268 |
| Earnings coverage of net charge-offs (x) | 0.0440% | 5,788 |
| Efficiency ratio | 99.6641% | 684 |
| Assets per employee ($millions) | 2.3513% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3611% | 591 |
| Loan loss allowance to noncurrent loans | 1,217.2414% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 5,046 |
| Noncurrent loans to loans | 0.2761% | 6,173 |
| Net loans and leases to total assets | 71.9440% | 1,652 |
| Net loans and leases to deposits | 87.5221% | 1,449 |
| Net loans and leases to core deposits | 88.4989% | 2,322 |
| Total domestic deposits to total assets | 82.2010% | 5,059 |
| Equity capital to assets | 10.0904% | 4,043 |
| Core capital (leverage) ratio | 8.8380% | 5,042 |
| Tier 1 risk-based capital ratio | 14.4965% | 3,978 |
| Total risk-based capital ratio | 15.7770% | 3,929 |
| Memoranda: | ||
| Average total assets | $31,760,400 | 6,925 |
| Average earning assets | $28,714,600 | 6,905 |
| Average equity | $2,748,600 | 7,067 |
| Average total loans | $21,216,200 | 6,594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 3,862 |
| Cost of funding earning assets | 1.0949% | 3,012 |
| Net interest margin | 3.7391% | 4,163 |
| Noninterest income to average assets | 0.2818% | 5,596 |
| Noninterest expense to average assets | 3.6266% | 1,656 |
| Loan and lease loss provision to assets | 0.7270% | 1,320 |
| Net operating income to assets | -0.7106% | 6,761 |
| Return on assets (ROA) | -0.7106% | 6,792 |
| Pretax return on assets | -0.7106% | 6,740 |
| Return on Equity (ROE) | -8.5165% | 6,839 |
| Retained earnings to average equity (ytd only) | -8.5165% | 6,791 |
| Net charge-offs to loans | 0.2695% | 3,753 |
| Credit loss provision to net charge-offs | 413.9535% | 688 |
| Earnings coverage of net charge-offs (x) | 0.0930% | 5,532 |
| Efficiency ratio | 99.5516% | 671 |
| Assets per employee ($millions) | 2.4235% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6931% | 491 |
| Loan loss allowance to noncurrent loans | 1,120.8955% | 327 |
| Noncurrent assets plus other real estate owned to assets | 1.5902% | 3,704 |
| Noncurrent loans to loans | 0.3295% | 6,193 |
| Net loans and leases to total assets | 62.1596% | 3,687 |
| Net loans and leases to deposits | 73.9465% | 3,664 |
| Net loans and leases to core deposits | 74.6683% | 4,357 |
| Total domestic deposits to total assets | 84.0602% | 4,199 |
| Equity capital to assets | 8.9697% | 5,788 |
| Core capital (leverage) ratio | 8.6052% | 5,542 |
| Tier 1 risk-based capital ratio | 14.1451% | 4,238 |
| Total risk-based capital ratio | 15.4259% | 4,184 |
| Memoranda: | ||
| Average total assets | $32,646,750 | 6,965 |
| Average earning assets | $29,346,750 | 6,953 |
| Average equity | $2,724,000 | 7,138 |
| Average total loans | $21,269,000 | 6,662 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 5,212 |
| Cost of funding earning assets | 1.1504% | 2,897 |
| Net interest margin | 3.3901% | 5,584 |
| Noninterest income to average assets | 0.2604% | 5,785 |
| Noninterest expense to average assets | 3.6576% | 1,612 |
| Loan and lease loss provision to assets | 0.9628% | 919 |
| Net operating income to assets | -1.3504% | 7,052 |
| Return on assets (ROA) | -1.3504% | 7,058 |
| Pretax return on assets | -1.3444% | 7,014 |
| Return on Equity (ROE) | -16.5799% | 7,099 |
| Retained earnings to average equity (ytd only) | -16.5799% | 7,077 |
| Net charge-offs to loans | 0.3985% | 2,967 |
| Credit loss provision to net charge-offs | 369.7674% | 827 |
| Earnings coverage of net charge-offs (x) | -1.4651% | 5,680 |
| Efficiency ratio | 111.6451% | 451 |
| Assets per employee ($millions) | 2.4442% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4822% | 603 |
| Loan loss allowance to noncurrent loans | 102.3776% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 3.6162% | 1,816 |
| Noncurrent loans to loans | 3.4014% | 2,091 |
| Net loans and leases to total assets | 63.8541% | 3,499 |
| Net loans and leases to deposits | 75.4883% | 3,563 |
| Net loans and leases to core deposits | 76.2114% | 4,294 |
| Total domestic deposits to total assets | 84.5880% | 4,082 |
| Equity capital to assets | 8.5164% | 6,159 |
| Core capital (leverage) ratio | 8.0157% | 6,281 |
| Tier 1 risk-based capital ratio | 13.4081% | 4,601 |
| Total risk-based capital ratio | 14.6901% | 4,563 |
| Memoranda: | ||
| Average total assets | $33,027,000 | 7,017 |
| Average earning assets | $29,380,000 | 7,018 |
| Average equity | $2,690,000 | 7,206 |
| Average total loans | $21,580,330 | 6,714 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 3,096 |
| Cost of funding earning assets | 1.1454% | 3,189 |
| Net interest margin | 3.8588% | 3,345 |
| Noninterest income to average assets | 0.2377% | 6,007 |
| Noninterest expense to average assets | 3.4231% | 2,218 |
| Loan and lease loss provision to assets | 0.2377% | 3,287 |
| Net operating income to assets | -0.0713% | 6,427 |
| Return on assets (ROA) | -0.0713% | 6,448 |
| Pretax return on assets | -0.0594% | 6,411 |
| Return on Equity (ROE) | -0.8949% | 6,470 |
| Retained earnings to average equity (ytd only) | -0.8949% | 5,959 |
| Net charge-offs to loans | 0.4392% | 2,382 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 4,160 |
| Efficiency ratio | 95.0495% | 978 |
| Assets per employee ($millions) | 2.8008% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8026% | 1,109 |
| Loan loss allowance to noncurrent loans | 838.3562% | 431 |
| Noncurrent assets plus other real estate owned to assets | 1.6632% | 3,760 |
| Noncurrent loans to loans | 0.3343% | 6,324 |
| Net loans and leases to total assets | 63.1527% | 3,613 |
| Net loans and leases to deposits | 76.4562% | 3,346 |
| Net loans and leases to core deposits | 77.1622% | 4,136 |
| Total domestic deposits to total assets | 82.5999% | 5,069 |
| Equity capital to assets | 7.9413% | 6,552 |
| Core capital (leverage) ratio | 8.0150% | 6,235 |
| Tier 1 risk-based capital ratio | 12.6910% | 5,075 |
| Total risk-based capital ratio | 13.9625% | 5,030 |
| Memoranda: | ||
| Average total assets | $33,653,500 | 7,045 |
| Average earning assets | $29,335,500 | 7,073 |
| Average equity | $2,682,000 | 7,245 |
| Average total loans | $21,860,000 | 6,747 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 3,155 |
| Cost of funding earning assets | 1.5310% | 2,479 |
| Net interest margin | 3.7636% | 4,090 |
| Noninterest income to average assets | 0.2525% | 5,992 |
| Noninterest expense to average assets | 3.1658% | 3,207 |
| Loan and lease loss provision to assets | 1.0823% | 1,479 |
| Net operating income to assets | -0.6103% | 6,456 |
| Return on assets (ROA) | -0.6103% | 6,485 |
| Pretax return on assets | -0.6253% | 6,411 |
| Return on Equity (ROE) | -7.6379% | 6,599 |
| Retained earnings to average equity (ytd only) | -7.6379% | 6,506 |
| Net charge-offs to loans | 1.2807% | 1,748 |
| Credit loss provision to net charge-offs | 123.7113% | 3,345 |
| Earnings coverage of net charge-offs (x) | 0.5223% | 5,595 |
| Efficiency ratio | 87.3859% | 1,532 |
| Assets per employee ($millions) | 3.0635% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8150% | 1,036 |
| Loan loss allowance to noncurrent loans | 394.8718% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 6,120 |
| Noncurrent loans to loans | 0.7129% | 5,626 |
| Net loans and leases to total assets | 63.1106% | 4,044 |
| Net loans and leases to deposits | 76.4148% | 3,779 |
| Net loans and leases to core deposits | 77.1158% | 4,580 |
| Total domestic deposits to total assets | 82.5895% | 4,977 |
| Equity capital to assets | 7.9975% | 6,501 |
| Core capital (leverage) ratio | 8.2835% | 5,708 |
| Tier 1 risk-based capital ratio | 13.3609% | 4,319 |
| Total risk-based capital ratio | 14.6324% | 4,264 |
| Memoranda: | ||
| Average total assets | $33,261,600 | 7,107 |
| Average earning assets | $29,785,000 | 7,098 |
| Average equity | $2,657,800 | 7,361 |
| Average total loans | $22,722,600 | 6,788 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 3,519 |
| Cost of funding earning assets | 1.5860% | 2,468 |
| Net interest margin | 3.6773% | 4,513 |
| Noninterest income to average assets | 0.2373% | 6,191 |
| Noninterest expense to average assets | 3.1651% | 3,052 |
| Loan and lease loss provision to assets | 0.9813% | 1,524 |
| Net operating income to assets | -0.5188% | 6,607 |
| Return on assets (ROA) | -0.5188% | 6,655 |
| Pretax return on assets | -0.5429% | 6,582 |
| Return on Equity (ROE) | -6.4942% | 6,759 |
| Retained earnings to average equity (ytd only) | -6.4942% | 6,679 |
| Net charge-offs to loans | 1.6919% | 1,161 |
| Credit loss provision to net charge-offs | 83.8488% | 5,009 |
| Earnings coverage of net charge-offs (x) | 0.3746% | 5,657 |
| Efficiency ratio | 87.8348% | 1,464 |
| Assets per employee ($millions) | 2.6193% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3744% | 1,507 |
| Loan loss allowance to noncurrent loans | 316.4557% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 5,746 |
| Noncurrent loans to loans | 0.7503% | 5,703 |
| Net loans and leases to total assets | 65.4047% | 3,818 |
| Net loans and leases to deposits | 80.6861% | 3,325 |
| Net loans and leases to core deposits | 81.4921% | 4,319 |
| Total domestic deposits to total assets | 81.0607% | 5,343 |
| Equity capital to assets | 8.8254% | 5,816 |
| Core capital (leverage) ratio | 8.2871% | 5,895 |
| Tier 1 risk-based capital ratio | 14.2505% | 3,664 |
| Total risk-based capital ratio | 15.5180% | 3,611 |
| Memoranda: | ||
| Average total assets | $33,152,500 | 7,201 |
| Average earning assets | $30,347,500 | 7,162 |
| Average equity | $2,648,500 | 7,458 |
| Average total loans | $22,932,500 | 6,864 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1649% | 4,117 |
| Cost of funding earning assets | 1.5228% | 3,114 |
| Net interest margin | 3.6421% | 4,624 |
| Noninterest income to average assets | 0.1957% | 6,498 |
| Noninterest expense to average assets | 2.9947% | 3,731 |
| Loan and lease loss provision to assets | 0.8539% | 1,706 |
| Net operating income to assets | -0.2372% | 6,397 |
| Return on assets (ROA) | -0.2372% | 6,439 |
| Pretax return on assets | -0.2491% | 6,373 |
| Return on Equity (ROE) | -3.0690% | 6,523 |
| Retained earnings to average equity (ytd only) | -3.0690% | 6,309 |
| Net charge-offs to loans | 0.1698% | 4,598 |
| Credit loss provision to net charge-offs | 720.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 5.1000% | 2,749 |
| Efficiency ratio | 83.1960% | 2,018 |
| Assets per employee ($millions) | 2.5416% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9435% | 869 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,276 |
| Noncurrent loans to loans | 1.3380% | 4,711 |
| Net loans and leases to total assets | 66.9623% | 3,629 |
| Net loans and leases to deposits | 84.1223% | 2,853 |
| Net loans and leases to core deposits | 84.9328% | 4,004 |
| Total domestic deposits to total assets | 79.6011% | 5,861 |
| Equity capital to assets | 7.7479% | 6,963 |
| Core capital (leverage) ratio | 7.3566% | 6,949 |
| Tier 1 risk-based capital ratio | 12.0182% | 5,293 |
| Total risk-based capital ratio | 13.2918% | 5,238 |
| Memoranda: | ||
| Average total assets | $33,726,000 | 7,225 |
| Average earning assets | $31,520,330 | 7,174 |
| Average equity | $2,606,670 | 7,523 |
| Average total loans | $23,557,330 | 6,887 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2801% | 3,645 |
| Cost of funding earning assets | 1.5248% | 3,401 |
| Net interest margin | 3.7553% | 3,982 |
| Noninterest income to average assets | 0.1761% | 6,699 |
| Noninterest expense to average assets | 2.8766% | 4,154 |
| Loan and lease loss provision to assets | 0.0704% | 5,933 |
| Net operating income to assets | 0.7045% | 3,423 |
| Return on assets (ROA) | 0.7045% | 3,532 |
| Pretax return on assets | 0.7279% | 4,135 |
| Return on Equity (ROE) | 9.1255% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.1255% | 1,365 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2748% | 2,853 |
| Assets per employee ($millions) | 2.4454% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4347% | 1,383 |
| Loan loss allowance to noncurrent loans | 166.0661% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 5,206 |
| Noncurrent loans to loans | 1.4661% | 4,543 |
| Net loans and leases to total assets | 64.7291% | 4,155 |
| Net loans and leases to deposits | 80.8848% | 3,477 |
| Net loans and leases to core deposits | 80.8848% | 4,642 |
| Total domestic deposits to total assets | 80.0263% | 5,777 |
| Equity capital to assets | 7.7757% | 6,861 |
| Core capital (leverage) ratio | 7.7430% | 6,580 |
| Tier 1 risk-based capital ratio | 12.1849% | 5,008 |
| Total risk-based capital ratio | 13.4500% | 4,969 |
| Memoranda: | ||
| Average total assets | $34,068,500 | 7,302 |
| Average earning assets | $31,742,000 | 7,260 |
| Average equity | $2,630,000 | 7,600 |
| Average total loans | $23,938,000 | 6,949 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 2,443 |
| Cost of funding earning assets | 2.1867% | 2,092 |
| Net interest margin | 3.6628% | 4,296 |
| Noninterest income to average assets | 0.2212% | 6,530 |
| Noninterest expense to average assets | 3.1777% | 3,452 |
| Loan and lease loss provision to assets | 0.7384% | 2,898 |
| Net operating income to assets | -0.2631% | 5,913 |
| Return on assets (ROA) | -0.2631% | 5,916 |
| Pretax return on assets | -0.3049% | 5,834 |
| Return on Equity (ROE) | -3.3235% | 6,029 |
| Retained earnings to average equity (ytd only) | -4.6454% | 5,975 |
| Net charge-offs to loans | 0.1660% | 5,627 |
| Credit loss provision to net charge-offs | 588.0952% | 507 |
| Earnings coverage of net charge-offs (x) | 3.4524% | 3,336 |
| Efficiency ratio | 87.9967% | 1,882 |
| Assets per employee ($millions) | 2.8252% | 6,615 |
| Cash dividends to net income (ytd only)* | -39.7727% | 7,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1738% | 1,695 |
| Loan loss allowance to noncurrent loans | 189.9306% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 5,407 |
| Noncurrent loans to loans | 1.1445% | 5,042 |
| Net loans and leases to total assets | 72.6093% | 2,601 |
| Net loans and leases to deposits | 90.7636% | 2,084 |
| Net loans and leases to core deposits | 119.5764% | 1,982 |
| Total domestic deposits to total assets | 79.9982% | 5,672 |
| Equity capital to assets | 7.6633% | 6,890 |
| Core capital (leverage) ratio | 7.4605% | 6,826 |
| Tier 1 risk-based capital ratio | 10.9781% | 5,930 |
| Total risk-based capital ratio | 12.2438% | 5,889 |
| Memoranda: | ||
| Average total assets | $33,451,400 | 7,350 |
| Average earning assets | $30,959,600 | 7,314 |
| Average equity | $2,647,800 | 7,690 |
| Average total loans | $25,306,800 | 6,891 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 2,989 |
| Cost of funding earning assets | 2.2806% | 2,064 |
| Net interest margin | 3.4986% | 4,869 |
| Noninterest income to average assets | 0.2400% | 6,513 |
| Noninterest expense to average assets | 3.0874% | 3,691 |
| Loan and lease loss provision to assets | 0.7999% | 2,363 |
| Net operating income to assets | -0.3479% | 6,263 |
| Return on assets (ROA) | -0.3479% | 6,270 |
| Pretax return on assets | -0.4079% | 6,205 |
| Return on Equity (ROE) | -4.3605% | 6,382 |
| Retained earnings to average equity (ytd only) | -6.1145% | 6,400 |
| Net charge-offs to loans | 0.1157% | 5,528 |
| Credit loss provision to net charge-offs | 909.0909% | 409 |
| Earnings coverage of net charge-offs (x) | 4.4548% | 3,133 |
| Efficiency ratio | 88.7356% | 1,802 |
| Assets per employee ($millions) | 2.6302% | 6,986 |
| Cash dividends to net income (ytd only)* | -40.2328% | 7,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 1,712 |
| Loan loss allowance to noncurrent loans | 121.7799% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 4,565 |
| Noncurrent loans to loans | 1.6735% | 4,138 |
| Net loans and leases to total assets | 73.0998% | 2,762 |
| Net loans and leases to deposits | 92.9286% | 2,073 |
| Net loans and leases to core deposits | 124.3223% | 1,874 |
| Total domestic deposits to total assets | 78.6623% | 5,912 |
| Equity capital to assets | 7.5863% | 7,234 |
| Core capital (leverage) ratio | 7.5335% | 6,934 |
| Tier 1 risk-based capital ratio | 10.0986% | 6,883 |
| Total risk-based capital ratio | 11.3574% | 6,815 |
| Memoranda: | ||
| Average total assets | $33,338,750 | 7,412 |
| Average earning assets | $30,868,500 | 7,377 |
| Average equity | $2,660,250 | 7,760 |
| Average total loans | $25,342,750 | 6,948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8341% | 2,884 |
| Cost of funding earning assets | 2.3678% | 2,091 |
| Net interest margin | 3.4662% | 4,945 |
| Noninterest income to average assets | 0.2299% | 6,639 |
| Noninterest expense to average assets | 3.1403% | 3,538 |
| Loan and lease loss provision to assets | 1.1678% | 1,472 |
| Net operating income to assets | -0.8289% | 6,848 |
| Return on assets (ROA) | -0.8289% | 6,853 |
| Pretax return on assets | -0.8895% | 6,739 |
| Return on Equity (ROE) | -10.2150% | 7,050 |
| Retained earnings to average equity (ytd only) | -12.8247% | 7,106 |
| Net charge-offs to loans | 0.1740% | 4,491 |
| Credit loss provision to net charge-offs | 877.2727% | 547 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 4,032 |
| Efficiency ratio | 91.8584% | 1,651 |
| Assets per employee ($millions) | 2.4999% | 7,249 |
| Cash dividends to net income (ytd only)* | -25.5474% | 7,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 1,424 |
| Loan loss allowance to noncurrent loans | 116.8565% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 4,252 |
| Noncurrent loans to loans | 1.7830% | 3,828 |
| Net loans and leases to total assets | 74.1838% | 2,657 |
| Net loans and leases to deposits | 91.9208% | 2,482 |
| Net loans and leases to core deposits | 123.4207% | 2,074 |
| Total domestic deposits to total assets | 80.7040% | 5,191 |
| Equity capital to assets | 7.8279% | 6,944 |
| Core capital (leverage) ratio | 7.5368% | 6,978 |
| Tier 1 risk-based capital ratio | 10.4644% | 6,407 |
| Total risk-based capital ratio | 11.7238% | 6,346 |
| Memoranda: | ||
| Average total assets | $33,054,000 | 7,483 |
| Average earning assets | $30,407,670 | 7,466 |
| Average equity | $2,682,330 | 7,825 |
| Average total loans | $25,285,330 | 7,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2175% | 1,543 |
| Cost of funding earning assets | 2.4267% | 2,188 |
| Net interest margin | 3.7908% | 3,485 |
| Noninterest income to average assets | 0.2400% | 6,537 |
| Noninterest expense to average assets | 3.1322% | 3,259 |
| Loan and lease loss provision to assets | 0.0600% | 6,207 |
| Net operating income to assets | 0.6120% | 3,967 |
| Return on assets (ROA) | 0.6120% | 4,160 |
| Pretax return on assets | 0.5160% | 5,034 |
| Return on Equity (ROE) | 7.4141% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.4141% | 2,052 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4660% | 2,250 |
| Assets per employee ($millions) | 2.3868% | 7,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 4,033 |
| Loan loss allowance to noncurrent loans | 32.7050% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 3.1752% | 1,757 |
| Noncurrent loans to loans | 3.9970% | 1,507 |
| Net loans and leases to total assets | 78.4019% | 1,718 |
| Net loans and leases to deposits | 100.9285% | 1,289 |
| Net loans and leases to core deposits | 132.1796% | 1,524 |
| Total domestic deposits to total assets | 77.6807% | 6,110 |
| Equity capital to assets | 8.2897% | 6,412 |
| Core capital (leverage) ratio | 8.2217% | 6,056 |
| Tier 1 risk-based capital ratio | 10.7928% | 6,103 |
| Total risk-based capital ratio | 12.0449% | 6,002 |
| Memoranda: | ||
| Average total assets | $33,331,500 | 7,517 |
| Average earning assets | $30,494,500 | 7,495 |
| Average equity | $2,751,500 | 7,853 |
| Average total loans | $25,617,000 | 7,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9838% | 1,178 |
| Cost of funding earning assets | 3.0860% | 1,551 |
| Net interest margin | 3.8978% | 3,573 |
| Noninterest income to average assets | 0.2266% | 6,813 |
| Noninterest expense to average assets | 3.0459% | 3,915 |
| Loan and lease loss provision to assets | 0.0441% | 6,862 |
| Net operating income to assets | 0.6622% | 4,055 |
| Return on assets (ROA) | 0.6622% | 3,903 |
| Pretax return on assets | 0.6975% | 4,406 |
| Return on Equity (ROE) | 8.2171% | 2,969 |
| Retained earnings to average equity (ytd only) | 2.0086% | 3,986 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4196% | 2,539 |
| Assets per employee ($millions) | 2.3749% | 7,444 |
| Cash dividends to net income (ytd only)* | 75.5556% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 3,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.2285% | 3,302 |
| Net loans and leases to deposits | 94.3097% | 2,709 |
| Net loans and leases to core deposits | 117.0754% | 2,998 |
| Total domestic deposits to total assets | 77.6468% | 5,821 |
| Equity capital to assets | 8.2200% | 6,523 |
| Core capital (leverage) ratio | 8.1908% | 6,182 |
| Tier 1 risk-based capital ratio | 11.0190% | 5,710 |
| Total risk-based capital ratio | 12.2722% | 5,607 |
| Memoranda: | ||
| Average total assets | $33,980,000 | 7,460 |
| Average earning assets | $31,043,200 | 7,460 |
| Average equity | $2,738,200 | 7,919 |
| Average total loans | $26,389,800 | 6,938 |