Home > American Investors Bank and Mortgage > Performance and Condition Ratios
American Investors Bank and Mortgage, Performance and Condition Ratios
| 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 | 6.6216% | 232 |
| Cost of funding earning assets | 3.1139% | 72 |
| Net interest margin | 3.5077% | 2,247 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 2.2786% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7224% | 3,293 |
| Return on assets (ROA) | 0.7224% | 3,291 |
| Pretax return on assets | 1.1376% | 2,543 |
| Return on Equity (ROE) | 8.1000% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.1040% | 1,928 |
| Net charge-offs to loans | 0.0171% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 74.8889% | 1,084 |
| Efficiency ratio | 66.6996% | 2,153 |
| Assets per employee ($millions) | 8.6121% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,509 |
| 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 | 88.1300% | 77 |
| Net loans and leases to deposits | 138.1486% | 33 |
| Net loans and leases to core deposits | 159.5978% | 104 |
| Total domestic deposits to total assets | 63.7900% | 4,459 |
| Equity capital to assets | 8.9193% | 2,573 |
| Core capital (leverage) ratio | 9.9963% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0987% | 2,260 |
| Memoranda: | ||
| Average total assets | $118,495,333 | 3,692 |
| Average earning assets | $115,288,667 | 3,616 |
| Average equity | $10,562,667 | 3,671 |
| Average total loans | $105,242,667 | 3,116 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4189% | 203 |
| Cost of funding earning assets | 2.8610% | 47 |
| Net interest margin | 3.5579% | 2,227 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 2.3430% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8180% | 3,139 |
| Return on assets (ROA) | 0.8207% | 3,083 |
| Pretax return on assets | 1.1204% | 2,658 |
| Return on Equity (ROE) | 9.2100% | 2,994 |
| Retained earnings to average equity (ytd only) | 9.2099% | 1,888 |
| Net charge-offs to loans | -0.0192% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7165% | 2,003 |
| Assets per employee ($millions) | 8.3815% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,440 |
| 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 | 87.9900% | 74 |
| Net loans and leases to deposits | 137.1031% | 28 |
| Net loans and leases to core deposits | 156.3675% | 103 |
| Total domestic deposits to total assets | 64.1800% | 4,509 |
| Equity capital to assets | 9.0224% | 2,502 |
| Core capital (leverage) ratio | 10.0759% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8191% | 2,040 |
| Memoranda: | ||
| Average total assets | $117,458,000 | 3,744 |
| Average earning assets | $114,225,500 | 3,676 |
| Average equity | $10,467,000 | 3,725 |
| Average total loans | $104,211,000 | 3,159 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 272 |
| Cost of funding earning assets | 1.1879% | 73 |
| Net interest margin | 3.8738% | 1,017 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.5027% | 2,107 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0693% | 2,304 |
| Return on assets (ROA) | 1.0722% | 2,230 |
| Pretax return on assets | 1.4977% | 1,461 |
| Return on Equity (ROE) | 11.3900% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.4292% | 1,344 |
| Net charge-offs to loans | -0.0063% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9330% | 2,771 |
| Assets per employee ($millions) | 8.3982% | 1,141 |
| Cash dividends to net income (ytd only)* | 17.1821% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,271 |
| 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 | 87.6500% | 83 |
| Net loans and leases to deposits | 138.5626% | 26 |
| Net loans and leases to core deposits | 155.7219% | 82 |
| Total domestic deposits to total assets | 63.2500% | 4,552 |
| Equity capital to assets | 8.8003% | 2,491 |
| Core capital (leverage) ratio | 9.8239% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7587% | 2,069 |
| Memoranda: | ||
| Average total assets | $108,564,600 | 3,851 |
| Average earning assets | $106,071,000 | 3,773 |
| Average equity | $10,223,600 | 3,841 |
| Average total loans | $95,283,800 | 3,214 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 322 |
| Cost of funding earning assets | 0.8369% | 134 |
| Net interest margin | 3.9077% | 791 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5622% | 1,818 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1094% | 2,051 |
| Return on assets (ROA) | 1.1124% | 2,012 |
| Pretax return on assets | 1.5551% | 1,248 |
| Return on Equity (ROE) | 11.6000% | 2,171 |
| Retained earnings to average equity (ytd only) | 8.9866% | 1,653 |
| Net charge-offs to loans | -0.0086% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.3882% | 2,918 |
| Assets per employee ($millions) | 7.9984% | 1,330 |
| Cash dividends to net income (ytd only)* | 22.5479% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,144 |
| 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 | 87.3700% | 78 |
| Net loans and leases to deposits | 127.9848% | 33 |
| Net loans and leases to core deposits | 136.8889% | 114 |
| Total domestic deposits to total assets | 68.2600% | 4,561 |
| Equity capital to assets | 8.8733% | 2,301 |
| Core capital (leverage) ratio | 10.0930% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9491% | 2,073 |
| Memoranda: | ||
| Average total assets | $106,312,000 | 3,893 |
| Average earning assets | $104,030,250 | 3,817 |
| Average equity | $10,192,750 | 3,893 |
| Average total loans | $93,077,750 | 3,254 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 562 |
| Cost of funding earning assets | 0.5180% | 470 |
| Net interest margin | 3.7374% | 859 |
| Noninterest income to average assets | 0.2566% | 3,634 |
| Noninterest expense to average assets | 2.6067% | 1,620 |
| Loan and lease loss provision to assets | 0.0919% | 1,078 |
| Net operating income to assets | 0.8761% | 2,683 |
| Return on assets (ROA) | 0.8791% | 2,649 |
| Pretax return on assets | 1.2239% | 1,992 |
| Return on Equity (ROE) | 8.9314% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.0397% | 2,695 |
| Net charge-offs to loans | -0.0110% | 3,622 |
| Credit loss provision to net charge-offs | -960.0000% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5200% | 2,438 |
| Assets per employee ($millions) | 7.6445% | 1,519 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,370 |
| 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 | 86.8132% | 69 |
| Net loans and leases to deposits | 123.5442% | 36 |
| Net loans and leases to core deposits | 126.9473% | 140 |
| Total domestic deposits to total assets | 70.2690% | 4,614 |
| Equity capital to assets | 8.3894% | 2,843 |
| Core capital (leverage) ratio | 9.5337% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2187% | 2,404 |
| Memoranda: | ||
| Average total assets | $104,423,667 | 3,954 |
| Average earning assets | $102,316,667 | 3,891 |
| Average equity | $10,278,333 | 3,950 |
| Average total loans | $91,141,333 | 3,313 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 561 |
| Cost of funding earning assets | 0.3879% | 935 |
| Net interest margin | 3.7767% | 657 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 2.7794% | 1,200 |
| Loan and lease loss provision to assets | 0.0967% | 855 |
| Net operating income to assets | 0.6244% | 3,315 |
| Return on assets (ROA) | 0.6244% | 3,294 |
| Pretax return on assets | 0.8499% | 2,941 |
| Return on Equity (ROE) | 5.8449% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.8449% | 2,296 |
| Net charge-offs to loans | -0.0139% | 3,727 |
| Credit loss provision to net charge-offs | -800.0000% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5946% | 1,676 |
| Assets per employee ($millions) | 6.9120% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,132 |
| 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 | 85.9211% | 55 |
| Net loans and leases to deposits | 113.2133% | 55 |
| Net loans and leases to core deposits | 117.2098% | 167 |
| Total domestic deposits to total assets | 75.8931% | 4,507 |
| Equity capital to assets | 10.0405% | 1,860 |
| Core capital (leverage) ratio | 10.3687% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3495% | 2,463 |
| Memoranda: | ||
| Average total assets | $99,301,500 | 4,011 |
| Average earning assets | $97,969,500 | 3,948 |
| Average equity | $10,607,500 | 3,995 |
| Average total loans | $86,410,000 | 3,382 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 1,028 |
| Cost of funding earning assets | 0.4370% | 1,274 |
| Net interest margin | 3.7417% | 1,118 |
| Noninterest income to average assets | 0.5831% | 2,231 |
| Noninterest expense to average assets | 2.8082% | 1,342 |
| Loan and lease loss provision to assets | 0.0424% | 2,203 |
| Net operating income to assets | 1.0291% | 2,562 |
| Return on assets (ROA) | 1.0316% | 2,625 |
| Pretax return on assets | 1.4269% | 1,957 |
| Return on Equity (ROE) | 9.2197% | 2,819 |
| Retained earnings to average equity (ytd only) | 9.2197% | 1,131 |
| Net charge-offs to loans | -0.0318% | 4,148 |
| Credit loss provision to net charge-offs | -156.0000% | 3,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7012% | 2,303 |
| Assets per employee ($millions) | 6.7802% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,815 |
| 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 | 86.0719% | 60 |
| Net loans and leases to deposits | 102.7233% | 149 |
| Net loans and leases to core deposits | 106.3067% | 361 |
| Total domestic deposits to total assets | 83.7900% | 3,614 |
| Equity capital to assets | 11.3829% | 1,565 |
| Core capital (leverage) ratio | 11.1615% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2831% | 2,133 |
| Memoranda: | ||
| Average total assets | $92,086,600 | 4,079 |
| Average earning assets | $90,841,400 | 4,007 |
| Average equity | $10,304,000 | 4,093 |
| Average total loans | $78,494,200 | 3,507 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 1,283 |
| Cost of funding earning assets | 0.4470% | 1,374 |
| Net interest margin | 3.6634% | 1,422 |
| Noninterest income to average assets | 0.5647% | 2,355 |
| Noninterest expense to average assets | 2.8628% | 1,200 |
| Loan and lease loss provision to assets | 0.0788% | 1,499 |
| Net operating income to assets | 0.9023% | 3,247 |
| Return on assets (ROA) | 0.9046% | 3,309 |
| Pretax return on assets | 1.2373% | 2,810 |
| Return on Equity (ROE) | 8.1213% | 3,365 |
| Retained earnings to average equity (ytd only) | 8.1213% | 2,016 |
| Net charge-offs to loans | -0.0396% | 4,250 |
| Credit loss provision to net charge-offs | -234.7826% | 3,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5535% | 1,751 |
| Assets per employee ($millions) | 6.2411% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,596 |
| 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 | 83.8875% | 118 |
| Net loans and leases to deposits | 101.9631% | 192 |
| Net loans and leases to core deposits | 105.6332% | 417 |
| Total domestic deposits to total assets | 82.2725% | 3,871 |
| Equity capital to assets | 11.2298% | 1,873 |
| Core capital (leverage) ratio | 10.9389% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3642% | 2,223 |
| Memoranda: | ||
| Average total assets | $91,377,500 | 4,138 |
| Average earning assets | $90,077,000 | 4,064 |
| Average equity | $10,178,750 | 4,162 |
| Average total loans | $77,441,250 | 3,572 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 1,428 |
| Cost of funding earning assets | 0.4721% | 1,370 |
| Net interest margin | 3.5888% | 1,616 |
| Noninterest income to average assets | 0.5892% | 2,268 |
| Noninterest expense to average assets | 2.8445% | 1,263 |
| Loan and lease loss provision to assets | 0.0794% | 1,526 |
| Net operating income to assets | 0.8832% | 3,268 |
| Return on assets (ROA) | 0.8849% | 3,341 |
| Pretax return on assets | 1.2071% | 2,885 |
| Return on Equity (ROE) | 7.9664% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.9664% | 2,083 |
| Net charge-offs to loans | -0.0209% | 4,012 |
| Credit loss provision to net charge-offs | -450.0000% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8936% | 1,774 |
| Assets per employee ($millions) | 6.5111% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,486 |
| 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 | 82.5956% | 193 |
| Net loans and leases to deposits | 102.5749% | 208 |
| Net loans and leases to core deposits | 108.2624% | 409 |
| Total domestic deposits to total assets | 80.5222% | 4,153 |
| Equity capital to assets | 11.2972% | 1,752 |
| Core capital (leverage) ratio | 10.9672% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6236% | 2,114 |
| Memoranda: | ||
| Average total assets | $90,631,000 | 4,168 |
| Average earning assets | $89,389,000 | 4,095 |
| Average equity | $10,067,333 | 4,192 |
| Average total loans | $76,738,333 | 3,608 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 1,451 |
| Cost of funding earning assets | 0.4932% | 1,431 |
| Net interest margin | 3.5783% | 1,639 |
| Noninterest income to average assets | 0.6949% | 1,886 |
| Noninterest expense to average assets | 2.8682% | 1,216 |
| Loan and lease loss provision to assets | 0.0797% | 1,621 |
| Net operating income to assets | 0.9339% | 3,033 |
| Return on assets (ROA) | 0.9339% | 3,109 |
| Pretax return on assets | 1.2792% | 2,627 |
| Return on Equity (ROE) | 8.4807% | 3,193 |
| Retained earnings to average equity (ytd only) | 8.4807% | 2,101 |
| Net charge-offs to loans | -0.0208% | 4,014 |
| Credit loss provision to net charge-offs | -450.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8534% | 1,953 |
| Assets per employee ($millions) | 6.4739% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,637 |
| Loan loss allowance to noncurrent loans | 96,300.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,410 |
| Noncurrent loans to loans | 0.0013% | 4,333 |
| Net loans and leases to total assets | 83.5770% | 167 |
| Net loans and leases to deposits | 102.2557% | 235 |
| Net loans and leases to core deposits | 109.4527% | 426 |
| Total domestic deposits to total assets | 81.7333% | 3,949 |
| Equity capital to assets | 11.0366% | 1,829 |
| Core capital (leverage) ratio | 10.8101% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2925% | 2,166 |
| Memoranda: | ||
| Average total assets | $90,369,000 | 4,182 |
| Average earning assets | $89,205,000 | 4,107 |
| Average equity | $9,952,000 | 4,220 |
| Average total loans | $76,970,500 | 3,617 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 1,394 |
| Cost of funding earning assets | 0.9576% | 696 |
| Net interest margin | 3.5093% | 2,444 |
| Noninterest income to average assets | 0.3931% | 3,132 |
| Noninterest expense to average assets | 2.8121% | 1,908 |
| Loan and lease loss provision to assets | 0.0568% | 3,658 |
| Net operating income to assets | 0.7018% | 3,428 |
| Return on assets (ROA) | 0.7495% | 3,387 |
| Pretax return on assets | 1.0384% | 2,916 |
| Return on Equity (ROE) | 6.6611% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.0303% | 2,802 |
| Net charge-offs to loans | -0.0989% | 4,810 |
| Credit loss provision to net charge-offs | -69.5652% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0994% | 1,556 |
| Assets per employee ($millions) | 6.4359% | 1,965 |
| Cash dividends to net income (ytd only)* | 39.4945% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,855 |
| Loan loss allowance to noncurrent loans | 47,000.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,466 |
| Noncurrent loans to loans | 0.0026% | 4,403 |
| Net loans and leases to total assets | 84.6675% | 145 |
| Net loans and leases to deposits | 99.9908% | 375 |
| Net loans and leases to core deposits | 105.6738% | 661 |
| Total domestic deposits to total assets | 84.6753% | 2,893 |
| Equity capital to assets | 10.9885% | 2,262 |
| Core capital (leverage) ratio | 10.5360% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9737% | 2,245 |
| Memoranda: | ||
| Average total assets | $84,457,400 | 4,196 |
| Average earning assets | $83,121,400 | 4,114 |
| Average equity | $9,503,000 | 4,248 |
| Average total loans | $69,768,000 | 3,742 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 1,573 |
| Cost of funding earning assets | 1.0742% | 586 |
| Net interest margin | 3.4268% | 2,827 |
| Noninterest income to average assets | 0.2039% | 4,251 |
| Noninterest expense to average assets | 2.7277% | 2,177 |
| Loan and lease loss provision to assets | 0.0566% | 3,641 |
| Net operating income to assets | 0.5748% | 3,847 |
| Return on assets (ROA) | 0.5748% | 3,941 |
| Pretax return on assets | 0.7899% | 3,672 |
| Return on Equity (ROE) | 5.0760% | 3,873 |
| Retained earnings to average equity (ytd only) | 1.5313% | 4,076 |
| Net charge-offs to loans | -0.1296% | 4,864 |
| Credit loss provision to net charge-offs | -53.0303% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3252% | 1,179 |
| Assets per employee ($millions) | 6.6709% | 1,695 |
| Cash dividends to net income (ytd only)* | 69.8324% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,840 |
| Loan loss allowance to noncurrent loans | 30,800.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,519 |
| Noncurrent loans to loans | 0.0038% | 4,445 |
| Net loans and leases to total assets | 83.5971% | 316 |
| Net loans and leases to deposits | 105.4713% | 340 |
| Net loans and leases to core deposits | 111.6301% | 641 |
| Total domestic deposits to total assets | 79.2605% | 4,008 |
| Equity capital to assets | 10.2867% | 2,976 |
| Core capital (leverage) ratio | 10.0107% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2313% | 2,519 |
| Memoranda: | ||
| Average total assets | $83,046,000 | 4,213 |
| Average earning assets | $81,669,000 | 4,139 |
| Average equity | $9,403,500 | 4,280 |
| Average total loans | $67,903,000 | 3,791 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,793 |
| Cost of funding earning assets | 1.2568% | 425 |
| Net interest margin | 3.2875% | 3,416 |
| Noninterest income to average assets | 0.1182% | 4,706 |
| Noninterest expense to average assets | 2.7437% | 2,243 |
| Loan and lease loss provision to assets | -0.0679% | 5,024 |
| Net operating income to assets | 0.4979% | 4,024 |
| Return on assets (ROA) | 0.4979% | 4,102 |
| Pretax return on assets | 0.6790% | 3,914 |
| Return on Equity (ROE) | 4.2418% | 4,040 |
| Retained earnings to average equity (ytd only) | -1.1140% | 4,492 |
| Net charge-offs to loans | -0.1838% | 4,930 |
| Credit loss provision to net charge-offs | 45.7627% | 2,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7841% | 769 |
| Assets per employee ($millions) | 6.0691% | 2,123 |
| Cash dividends to net income (ytd only)* | 126.2626% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,427 |
| Loan loss allowance to noncurrent loans | 14,250.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,551 |
| Noncurrent loans to loans | 0.0085% | 4,486 |
| Net loans and leases to total assets | 81.6860% | 438 |
| Net loans and leases to deposits | 105.2738% | 335 |
| Net loans and leases to core deposits | 112.7140% | 641 |
| Total domestic deposits to total assets | 77.5939% | 4,240 |
| Equity capital to assets | 11.1136% | 2,239 |
| Core capital (leverage) ratio | 10.7559% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4768% | 2,008 |
| Memoranda: | ||
| Average total assets | $79,528,667 | 4,260 |
| Average earning assets | $78,295,667 | 4,193 |
| Average equity | $9,335,667 | 4,306 |
| Average total loans | $64,205,000 | 3,871 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 1,590 |
| Cost of funding earning assets | 1.5092% | 261 |
| Net interest margin | 3.2301% | 3,783 |
| Noninterest income to average assets | 0.2396% | 4,121 |
| Noninterest expense to average assets | 2.7549% | 2,561 |
| Loan and lease loss provision to assets | -0.2031% | 5,084 |
| Net operating income to assets | 0.6145% | 3,560 |
| Return on assets (ROA) | 0.6145% | 3,618 |
| Pretax return on assets | 0.8645% | 3,238 |
| Return on Equity (ROE) | 5.0851% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.0851% | 2,236 |
| Net charge-offs to loans | -0.3662% | 4,998 |
| Credit loss provision to net charge-offs | 69.6429% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6402% | 1,077 |
| Assets per employee ($millions) | 7.1667% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,010 |
| Loan loss allowance to noncurrent loans | 9,333.3333% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,592 |
| Noncurrent loans to loans | 0.0142% | 4,510 |
| Net loans and leases to total assets | 79.1866% | 793 |
| Net loans and leases to deposits | 109.7291% | 192 |
| Net loans and leases to core deposits | 116.7037% | 566 |
| Total domestic deposits to total assets | 72.1656% | 4,761 |
| Equity capital to assets | 11.8730% | 2,165 |
| Core capital (leverage) ratio | 11.7513% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2431% | 1,542 |
| Memoranda: | ||
| Average total assets | $76,809,000 | 4,305 |
| Average earning assets | $75,539,000 | 4,230 |
| Average equity | $9,282,000 | 4,334 |
| Average total loans | $61,176,500 | 3,935 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,494 |
| Cost of funding earning assets | 1.7268% | 179 |
| Net interest margin | 3.2691% | 4,047 |
| Noninterest income to average assets | 0.1648% | 4,664 |
| Noninterest expense to average assets | 2.7537% | 2,741 |
| Loan and lease loss provision to assets | -0.0340% | 4,984 |
| Net operating income to assets | 0.4658% | 4,478 |
| Return on assets (ROA) | 0.4658% | 4,517 |
| Pretax return on assets | 0.6523% | 4,322 |
| Return on Equity (ROE) | 3.8417% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.1568% | 3,915 |
| Net charge-offs to loans | -0.0846% | 4,929 |
| Credit loss provision to net charge-offs | 52.0833% | 3,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6640% | 819 |
| Assets per employee ($millions) | 6.7985% | 1,128 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,553 |
| Loan loss allowance to noncurrent loans | 9,144.4444% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,603 |
| Noncurrent loans to loans | 0.0152% | 4,517 |
| Net loans and leases to total assets | 77.9097% | 1,094 |
| Net loans and leases to deposits | 101.4434% | 506 |
| Net loans and leases to core deposits | 112.7247% | 728 |
| Total domestic deposits to total assets | 76.8012% | 4,515 |
| Equity capital to assets | 12.3074% | 1,948 |
| Core capital (leverage) ratio | 12.2008% | 1,658 |
| Tier 1 risk-based capital ratio | 15.8558% | 2,455 |
| Total risk-based capital ratio | 17.1066% | 2,401 |
| Memoranda: | ||
| Average total assets | $73,428,400 | 4,377 |
| Average earning assets | $72,039,000 | 4,312 |
| Average equity | $8,902,200 | 4,388 |
| Average total loans | $56,744,200 | 4,037 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 1,197 |
| Cost of funding earning assets | 1.7384% | 173 |
| Net interest margin | 3.3949% | 3,871 |
| Noninterest income to average assets | 0.2353% | 4,329 |
| Noninterest expense to average assets | 2.7199% | 2,810 |
| Loan and lease loss provision to assets | 0.0292% | 3,321 |
| Net operating income to assets | 0.5764% | 4,355 |
| Return on assets (ROA) | 0.5764% | 4,402 |
| Pretax return on assets | 0.8136% | 4,094 |
| Return on Equity (ROE) | 4.7732% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.5075% | 4,090 |
| Net charge-offs to loans | -0.0427% | 4,801 |
| Credit loss provision to net charge-offs | -88.8889% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3441% | 1,289 |
| Assets per employee ($millions) | 6.6040% | 1,223 |
| Cash dividends to net income (ytd only)* | 47.4699% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,274 |
| Loan loss allowance to noncurrent loans | 8,340.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,687 |
| Noncurrent loans to loans | 0.0179% | 4,598 |
| Net loans and leases to total assets | 75.9306% | 1,497 |
| Net loans and leases to deposits | 94.8466% | 1,143 |
| Net loans and leases to core deposits | 109.3123% | 977 |
| Total domestic deposits to total assets | 80.0562% | 3,980 |
| Equity capital to assets | 12.5475% | 1,879 |
| Core capital (leverage) ratio | 12.5748% | 1,536 |
| Tier 1 risk-based capital ratio | 16.8324% | 2,139 |
| Total risk-based capital ratio | 18.0861% | 2,083 |
| Memoranda: | ||
| Average total assets | $73,089,500 | 4,441 |
| Average earning assets | $71,635,250 | 4,374 |
| Average equity | $8,826,750 | 4,449 |
| Average total loans | $56,158,500 | 4,098 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 1,412 |
| Cost of funding earning assets | 1.6862% | 193 |
| Net interest margin | 3.3390% | 4,050 |
| Noninterest income to average assets | 0.1802% | 4,671 |
| Noninterest expense to average assets | 2.7254% | 2,822 |
| Loan and lease loss provision to assets | 0.0819% | 2,202 |
| Net operating income to assets | 0.4560% | 4,623 |
| Return on assets (ROA) | 0.4560% | 4,653 |
| Pretax return on assets | 0.6390% | 4,472 |
| Return on Equity (ROE) | 3.8256% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.3894% | 4,594 |
| Net charge-offs to loans | -0.0285% | 4,663 |
| Credit loss provision to net charge-offs | -375.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0808% | 1,055 |
| Assets per employee ($millions) | 6.9772% | 1,008 |
| Cash dividends to net income (ytd only)* | 89.8204% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,551 |
| Loan loss allowance to noncurrent loans | 6,446.1538% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,706 |
| Noncurrent loans to loans | 0.0219% | 4,617 |
| Net loans and leases to total assets | 76.1000% | 1,532 |
| Net loans and leases to deposits | 100.4592% | 638 |
| Net loans and leases to core deposits | 114.7240% | 745 |
| Total domestic deposits to total assets | 75.7521% | 4,699 |
| Equity capital to assets | 11.5207% | 2,592 |
| Core capital (leverage) ratio | 11.7470% | 1,988 |
| Tier 1 risk-based capital ratio | 15.7118% | 2,544 |
| Total risk-based capital ratio | 16.9617% | 2,479 |
| Memoranda: | ||
| Average total assets | $73,238,000 | 4,470 |
| Average earning assets | $71,638,670 | 4,410 |
| Average equity | $8,730,670 | 4,480 |
| Average total loans | $56,213,670 | 4,121 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 1,672 |
| Cost of funding earning assets | 1.6403% | 198 |
| Net interest margin | 3.2348% | 4,320 |
| Noninterest income to average assets | 0.3973% | 3,199 |
| Noninterest expense to average assets | 2.7923% | 2,595 |
| Loan and lease loss provision to assets | 0.0839% | 2,025 |
| Net operating income to assets | 0.4924% | 4,543 |
| Return on assets (ROA) | 0.4924% | 4,563 |
| Pretax return on assets | 0.6771% | 4,356 |
| Return on Equity (ROE) | 4.0576% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.0576% | 3,295 |
| Net charge-offs to loans | -0.0293% | 4,633 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5827% | 1,210 |
| Assets per employee ($millions) | 6.7101% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,432 |
| Loan loss allowance to noncurrent loans | 737.8378% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,053 |
| Noncurrent loans to loans | 0.1994% | 3,877 |
| Net loans and leases to total assets | 74.3155% | 1,748 |
| Net loans and leases to deposits | 98.0200% | 784 |
| Net loans and leases to core deposits | 111.4151% | 865 |
| Total domestic deposits to total assets | 75.8166% | 4,783 |
| Equity capital to assets | 11.8600% | 2,109 |
| Core capital (leverage) ratio | 12.2777% | 1,617 |
| Tier 1 risk-based capital ratio | 16.5628% | 2,240 |
| Total risk-based capital ratio | 17.8164% | 2,196 |
| Memoranda: | ||
| Average total assets | $71,482,500 | 4,542 |
| Average earning assets | $69,741,500 | 4,489 |
| Average equity | $8,675,000 | 4,512 |
| Average total loans | $54,698,500 | 4,196 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 1,351 |
| Cost of funding earning assets | 1.1664% | 386 |
| Net interest margin | 3.7094% | 3,000 |
| Noninterest income to average assets | 0.3882% | 3,511 |
| Noninterest expense to average assets | 2.9157% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7981% | 3,814 |
| Return on assets (ROA) | 0.7981% | 3,817 |
| Pretax return on assets | 1.0791% | 3,353 |
| Return on Equity (ROE) | 6.5733% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.9768% | 2,209 |
| Net charge-offs to loans | -0.0346% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9877% | 1,764 |
| Assets per employee ($millions) | 6.2867% | 1,330 |
| Cash dividends to net income (ytd only)* | 9.0744% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,333 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,619 |
| Noncurrent loans to loans | 0.0596% | 4,483 |
| Net loans and leases to total assets | 76.5321% | 1,516 |
| Net loans and leases to deposits | 105.1455% | 411 |
| Net loans and leases to core deposits | 112.6927% | 850 |
| Total domestic deposits to total assets | 72.7868% | 5,019 |
| Equity capital to assets | 12.4302% | 1,615 |
| Core capital (leverage) ratio | 12.9782% | 1,263 |
| Tier 1 risk-based capital ratio | 17.2588% | 1,967 |
| Total risk-based capital ratio | 18.5118% | 1,922 |
| Memoranda: | ||
| Average total assets | $69,040,000 | 4,596 |
| Average earning assets | $67,127,600 | 4,537 |
| Average equity | $8,382,400 | 4,546 |
| Average total loans | $52,036,800 | 4,266 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 1,415 |
| Cost of funding earning assets | 1.0685% | 452 |
| Net interest margin | 3.7357% | 2,876 |
| Noninterest income to average assets | 0.3381% | 3,896 |
| Noninterest expense to average assets | 2.8246% | 2,555 |
| Loan and lease loss provision to assets | 0.0386% | 3,227 |
| Net operating income to assets | 0.8346% | 3,799 |
| Return on assets (ROA) | 0.8346% | 3,805 |
| Pretax return on assets | 1.1090% | 3,362 |
| Return on Equity (ROE) | 6.9155% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.1150% | 2,600 |
| Net charge-offs to loans | -0.0336% | 4,789 |
| Credit loss provision to net charge-offs | -153.8462% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1089% | 2,023 |
| Assets per employee ($millions) | 6.3965% | 1,235 |
| Cash dividends to net income (ytd only)* | 11.5749% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 1,354 |
| Loan loss allowance to noncurrent loans | 2,397.0588% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,198 |
| Noncurrent loans to loans | 0.0625% | 4,608 |
| Net loans and leases to total assets | 76.1846% | 1,637 |
| Net loans and leases to deposits | 113.8521% | 186 |
| Net loans and leases to core deposits | 117.8987% | 646 |
| Total domestic deposits to total assets | 66.9154% | 5,307 |
| Equity capital to assets | 11.9980% | 1,907 |
| Core capital (leverage) ratio | 12.5363% | 1,482 |
| Tier 1 risk-based capital ratio | 16.8589% | 2,152 |
| Total risk-based capital ratio | 18.1118% | 2,100 |
| Memoranda: | ||
| Average total assets | $69,011,500 | 4,641 |
| Average earning assets | $67,135,000 | 4,590 |
| Average equity | $8,329,000 | 4,599 |
| Average total loans | $51,614,750 | 4,322 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,761 |
| Cost of funding earning assets | 0.9813% | 513 |
| Net interest margin | 3.6252% | 3,220 |
| Noninterest income to average assets | 0.3821% | 3,608 |
| Noninterest expense to average assets | 2.8150% | 2,619 |
| Loan and lease loss provision to assets | 0.0583% | 2,734 |
| Net operating income to assets | 0.8080% | 3,831 |
| Return on assets (ROA) | 0.8080% | 3,832 |
| Pretax return on assets | 1.0327% | 3,559 |
| Return on Equity (ROE) | 6.6817% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.4756% | 2,838 |
| Net charge-offs to loans | -0.0434% | 4,870 |
| Credit loss provision to net charge-offs | -181.8182% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0687% | 2,002 |
| Assets per employee ($millions) | 6.2472% | 1,300 |
| Cash dividends to net income (ytd only)* | 18.0505% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,157 |
| Loan loss allowance to noncurrent loans | 1,129.1667% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 2,113 |
| Noncurrent loans to loans | 0.1400% | 4,271 |
| Net loans and leases to total assets | 73.6303% | 2,006 |
| Net loans and leases to deposits | 103.8525% | 536 |
| Net loans and leases to core deposits | 106.8392% | 1,187 |
| Total domestic deposits to total assets | 70.8989% | 5,238 |
| Equity capital to assets | 12.0796% | 1,802 |
| Core capital (leverage) ratio | 12.6518% | 1,366 |
| Tier 1 risk-based capital ratio | 17.3297% | 1,991 |
| Total risk-based capital ratio | 18.5838% | 1,943 |
| Memoranda: | ||
| Average total assets | $68,561,330 | 4,702 |
| Average earning assets | $66,644,330 | 4,648 |
| Average equity | $8,291,330 | 4,647 |
| Average total loans | $50,679,670 | 4,387 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,233 |
| Cost of funding earning assets | 0.9307% | 515 |
| Net interest margin | 3.4585% | 3,676 |
| Noninterest income to average assets | 0.5374% | 2,595 |
| Noninterest expense to average assets | 2.7861% | 2,751 |
| Loan and lease loss provision to assets | 0.0876% | 2,049 |
| Net operating income to assets | 0.7243% | 4,005 |
| Return on assets (ROA) | 0.7243% | 4,012 |
| Pretax return on assets | 1.0280% | 3,435 |
| Return on Equity (ROE) | 5.9856% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,709 |
| Net charge-offs to loans | -0.0239% | 4,643 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4072% | 2,279 |
| Assets per employee ($millions) | 6.3320% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 1,105 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.6288% | 2,433 |
| Noncurrent loans to loans | 0.0487% | 4,758 |
| Net loans and leases to total assets | 69.5601% | 2,553 |
| Net loans and leases to deposits | 92.1471% | 1,439 |
| Net loans and leases to core deposits | 94.5920% | 2,089 |
| Total domestic deposits to total assets | 75.4881% | 5,018 |
| Equity capital to assets | 11.8374% | 1,888 |
| Core capital (leverage) ratio | 12.1824% | 1,536 |
| Tier 1 risk-based capital ratio | 17.6333% | 1,939 |
| Total risk-based capital ratio | 18.8866% | 1,886 |
| Memoranda: | ||
| Average total assets | $68,482,500 | 4,765 |
| Average earning assets | $66,618,500 | 4,702 |
| Average equity | $8,286,500 | 4,700 |
| Average total loans | $50,314,000 | 4,438 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,655 |
| Cost of funding earning assets | 0.8550% | 466 |
| Net interest margin | 3.3544% | 3,995 |
| Noninterest income to average assets | 0.5793% | 2,557 |
| Noninterest expense to average assets | 2.6893% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5197% | 4,325 |
| Return on assets (ROA) | 0.5197% | 4,361 |
| Pretax return on assets | 1.1289% | 3,068 |
| Return on Equity (ROE) | 4.9257% | 4,192 |
| Retained earnings to average equity (ytd only) | 4.9257% | 2,173 |
| Net charge-offs to loans | -0.0090% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4345% | 2,483 |
| Assets per employee ($millions) | 6.1194% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,336 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 2,410 |
| Noncurrent loans to loans | 0.0331% | 4,862 |
| Net loans and leases to total assets | 75.1653% | 1,729 |
| Net loans and leases to deposits | 91.9092% | 1,537 |
| Net loans and leases to core deposits | 94.8094% | 2,126 |
| Total domestic deposits to total assets | 81.7821% | 3,918 |
| Equity capital to assets | 12.3721% | 1,585 |
| Core capital (leverage) ratio | 12.5708% | 1,322 |
| Tier 1 risk-based capital ratio | 17.1380% | 2,043 |
| Total risk-based capital ratio | 18.3914% | 1,999 |
| Memoranda: | ||
| Average total assets | $77,156,600 | 4,642 |
| Average earning assets | $74,498,600 | 4,575 |
| Average equity | $8,141,000 | 4,763 |
| Average total loans | $55,767,200 | 4,300 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 2,965 |
| Cost of funding earning assets | 0.8550% | 443 |
| Net interest margin | 3.2533% | 4,315 |
| Noninterest income to average assets | 0.5962% | 2,503 |
| Noninterest expense to average assets | 2.5756% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7100% | 3,924 |
| Return on assets (ROA) | 0.7100% | 3,988 |
| Pretax return on assets | 1.1555% | 3,091 |
| Return on Equity (ROE) | 6.9842% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,694 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0305% | 2,703 |
| Assets per employee ($millions) | 5.7981% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 2,731 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.6378% | 1,974 |
| Net loans and leases to deposits | 92.9349% | 1,429 |
| Net loans and leases to core deposits | 95.1881% | 2,156 |
| Total domestic deposits to total assets | 79.2360% | 4,489 |
| Equity capital to assets | 12.0183% | 1,956 |
| Core capital (leverage) ratio | 12.1618% | 1,594 |
| Tier 1 risk-based capital ratio | 16.8706% | 2,192 |
| Total risk-based capital ratio | 18.1223% | 2,151 |
| Memoranda: | ||
| Average total assets | $79,617,500 | 4,643 |
| Average earning assets | $76,720,750 | 4,570 |
| Average equity | $8,094,250 | 4,827 |
| Average total loans | $56,864,500 | 4,310 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,308 |
| Cost of funding earning assets | 0.8522% | 401 |
| Net interest margin | 3.1206% | 4,627 |
| Noninterest income to average assets | 0.6895% | 2,039 |
| Noninterest expense to average assets | 2.5095% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7256% | 3,733 |
| Return on assets (ROA) | 0.7256% | 3,800 |
| Pretax return on assets | 1.1812% | 2,846 |
| Return on Equity (ROE) | 7.5203% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.5203% | 1,344 |
| Net charge-offs to loans | -0.0923% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9948% | 3,017 |
| Assets per employee ($millions) | 6.6192% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,555 |
| Loan loss allowance to noncurrent loans | 5,031.2500% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,960 |
| Noncurrent loans to loans | 0.0299% | 5,043 |
| Net loans and leases to total assets | 66.2999% | 3,058 |
| Net loans and leases to deposits | 86.1405% | 2,198 |
| Net loans and leases to core deposits | 90.6450% | 2,466 |
| Total domestic deposits to total assets | 76.9671% | 4,962 |
| Equity capital to assets | 10.3349% | 3,531 |
| Core capital (leverage) ratio | 10.4948% | 2,922 |
| Tier 1 risk-based capital ratio | 15.7801% | 2,588 |
| Total risk-based capital ratio | 17.0298% | 2,527 |
| Memoranda: | ||
| Average total assets | $82,964,330 | 4,606 |
| Average earning assets | $79,792,330 | 4,535 |
| Average equity | $8,005,000 | 4,861 |
| Average total loans | $58,481,670 | 4,299 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,383 |
| Cost of funding earning assets | 0.8056% | 472 |
| Net interest margin | 3.0994% | 4,652 |
| Noninterest income to average assets | 0.9630% | 1,072 |
| Noninterest expense to average assets | 2.6012% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8120% | 3,168 |
| Return on assets (ROA) | 0.8120% | 3,226 |
| Pretax return on assets | 1.3407% | 2,096 |
| Return on Equity (ROE) | 8.7056% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.7056% | 1,188 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9880% | 3,498 |
| Assets per employee ($millions) | 7.4011% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,294 |
| Loan loss allowance to noncurrent loans | 5,180.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 2,125 |
| Noncurrent loans to loans | 0.0261% | 5,115 |
| Net loans and leases to total assets | 69.5942% | 2,452 |
| Net loans and leases to deposits | 95.8048% | 946 |
| Net loans and leases to core deposits | 102.1417% | 1,360 |
| Total domestic deposits to total assets | 72.6416% | 5,510 |
| Equity capital to assets | 9.8376% | 3,939 |
| Core capital (leverage) ratio | 10.0775% | 3,406 |
| Tier 1 risk-based capital ratio | 14.5665% | 3,169 |
| Total risk-based capital ratio | 15.8181% | 3,100 |
| Memoranda: | ||
| Average total assets | $84,731,500 | 4,626 |
| Average earning assets | $81,435,000 | 4,560 |
| Average equity | $7,903,000 | 4,921 |
| Average total loans | $60,989,000 | 4,271 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,199 |
| Cost of funding earning assets | 0.8009% | 507 |
| Net interest margin | 3.1991% | 4,457 |
| Noninterest income to average assets | 0.4921% | 3,289 |
| Noninterest expense to average assets | 2.3392% | 4,462 |
| Loan and lease loss provision to assets | 0.7035% | 172 |
| Net operating income to assets | 0.3313% | 5,138 |
| Return on assets (ROA) | 0.2862% | 5,319 |
| Pretax return on assets | 0.4618% | 5,101 |
| Return on Equity (ROE) | 3.4259% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.7771% | 3,924 |
| Net charge-offs to loans | 0.2331% | 1,190 |
| Credit loss provision to net charge-offs | 410.7595% | 776 |
| Earnings coverage of net charge-offs (x) | 7.2152% | 3,050 |
| Efficiency ratio | 65.4336% | 3,688 |
| Assets per employee ($millions) | 8.0046% | 610 |
| Cash dividends to net income (ytd only)* | 18.9394% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,095 |
| Loan loss allowance to noncurrent loans | 1,809.3023% | 361 |
| Noncurrent assets plus other real estate owned to assets | 1.5218% | 1,082 |
| Noncurrent loans to loans | 0.0666% | 4,977 |
| Net loans and leases to total assets | 72.4183% | 2,108 |
| Net loans and leases to deposits | 102.6498% | 489 |
| Net loans and leases to core deposits | 110.1505% | 891 |
| Total domestic deposits to total assets | 70.5489% | 5,643 |
| Equity capital to assets | 8.8551% | 4,963 |
| Core capital (leverage) ratio | 9.1058% | 4,609 |
| Tier 1 risk-based capital ratio | 12.5712% | 4,344 |
| Total risk-based capital ratio | 13.7929% | 4,245 |
| Memoranda: | ||
| Average total assets | $92,252,600 | 4,507 |
| Average earning assets | $88,900,800 | 4,413 |
| Average equity | $7,706,000 | 4,979 |
| Average total loans | $67,767,800 | 4,095 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,197 |
| Cost of funding earning assets | 0.7963% | 517 |
| Net interest margin | 3.2135% | 4,454 |
| Noninterest income to average assets | 0.3472% | 4,305 |
| Noninterest expense to average assets | 2.2807% | 4,580 |
| Loan and lease loss provision to assets | 0.5559% | 210 |
| Net operating income to assets | 0.3938% | 5,037 |
| Return on assets (ROA) | 0.3344% | 5,276 |
| Pretax return on assets | 0.5202% | 5,076 |
| Return on Equity (ROE) | 4.0607% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.0607% | 3,410 |
| Net charge-offs to loans | 0.2625% | 890 |
| Credit loss provision to net charge-offs | 288.1481% | 1,070 |
| Earnings coverage of net charge-offs (x) | 6.0591% | 3,043 |
| Efficiency ratio | 66.1143% | 3,572 |
| Assets per employee ($millions) | 8.1337% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 5,240 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 1,063 |
| Noncurrent loans to loans | 0.1565% | 4,728 |
| Net loans and leases to total assets | 76.5421% | 1,432 |
| Net loans and leases to deposits | 116.2502% | 155 |
| Net loans and leases to core deposits | 124.3608% | 409 |
| Total domestic deposits to total assets | 65.8426% | 5,823 |
| Equity capital to assets | 8.8967% | 5,244 |
| Core capital (leverage) ratio | 8.9517% | 4,879 |
| Tier 1 risk-based capital ratio | 12.0235% | 4,778 |
| Total risk-based capital ratio | 12.8330% | 4,951 |
| Memoranda: | ||
| Average total assets | $93,303,000 | 4,522 |
| Average earning assets | $90,077,000 | 4,418 |
| Average equity | $7,683,250 | 5,031 |
| Average total loans | $68,574,000 | 4,106 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,384 |
| Cost of funding earning assets | 0.7880% | 525 |
| Net interest margin | 3.1715% | 4,639 |
| Noninterest income to average assets | 0.1544% | 5,536 |
| Noninterest expense to average assets | 2.3662% | 4,440 |
| Loan and lease loss provision to assets | 0.6978% | 160 |
| Net operating income to assets | 0.1565% | 5,602 |
| Return on assets (ROA) | 0.0190% | 5,785 |
| Pretax return on assets | 0.0169% | 5,783 |
| Return on Equity (ROE) | 0.2371% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.2371% | 5,234 |
| Net charge-offs to loans | 0.3800% | 604 |
| Credit loss provision to net charge-offs | 253.8462% | 1,084 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 3,168 |
| Efficiency ratio | 73.5217% | 2,428 |
| Assets per employee ($millions) | 7.8070% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6728% | 5,570 |
| Loan loss allowance to noncurrent loans | 153.1447% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 1,677 |
| Noncurrent loans to loans | 0.4393% | 3,792 |
| Net loans and leases to total assets | 76.7399% | 1,378 |
| Net loans and leases to deposits | 123.1656% | 84 |
| Net loans and leases to core deposits | 130.2645% | 304 |
| Total domestic deposits to total assets | 62.3063% | 5,951 |
| Equity capital to assets | 8.2405% | 5,719 |
| Core capital (leverage) ratio | 8.3268% | 5,513 |
| Tier 1 risk-based capital ratio | 11.1561% | 5,334 |
| Total risk-based capital ratio | 11.8530% | 5,542 |
| Memoranda: | ||
| Average total assets | $94,580,330 | 4,524 |
| Average earning assets | $91,375,670 | 4,433 |
| Average equity | $7,591,000 | 5,089 |
| Average total loans | $68,424,330 | 4,132 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 3,413 |
| Cost of funding earning assets | 0.7842% | 531 |
| Net interest margin | 3.1631% | 4,696 |
| Noninterest income to average assets | 0.1389% | 5,652 |
| Noninterest expense to average assets | 2.2646% | 4,751 |
| Loan and lease loss provision to assets | 1.3049% | 71 |
| Net operating income to assets | -0.2169% | 5,892 |
| Return on assets (ROA) | -0.3031% | 5,922 |
| Pretax return on assets | -0.5093% | 5,963 |
| Return on Equity (ROE) | -3.8265% | 5,956 |
| Retained earnings to average equity (ytd only) | -3.8265% | 5,539 |
| Net charge-offs to loans | 0.4696% | 476 |
| Credit loss provision to net charge-offs | 397.4359% | 715 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 2,628 |
| Efficiency ratio | 70.8827% | 2,968 |
| Assets per employee ($millions) | 6.7095% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 5,441 |
| Loan loss allowance to noncurrent loans | 141.0326% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 1,780 |
| Noncurrent loans to loans | 0.5463% | 3,546 |
| Net loans and leases to total assets | 71.1603% | 2,164 |
| Net loans and leases to deposits | 111.1919% | 200 |
| Net loans and leases to core deposits | 117.4044% | 556 |
| Total domestic deposits to total assets | 63.9977% | 6,000 |
| Equity capital to assets | 8.0153% | 5,821 |
| Core capital (leverage) ratio | 8.2193% | 5,642 |
| Tier 1 risk-based capital ratio | 9.9654% | 5,917 |
| Total risk-based capital ratio | 10.6358% | 6,005 |
| Memoranda: | ||
| Average total assets | $95,028,500 | 4,553 |
| Average earning assets | $91,809,500 | 4,461 |
| Average equity | $7,526,500 | 5,136 |
| Average total loans | $66,446,500 | 4,208 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5970% | 4,687 |
| Cost of funding earning assets | 0.7180% | 746 |
| Net interest margin | 2.8789% | 5,373 |
| Noninterest income to average assets | 0.0829% | 5,920 |
| Noninterest expense to average assets | 2.4450% | 4,396 |
| Loan and lease loss provision to assets | 0.1160% | 2,060 |
| Net operating income to assets | 0.1895% | 5,603 |
| Return on assets (ROA) | 0.1668% | 5,696 |
| Pretax return on assets | 0.2773% | 5,568 |
| Return on Equity (ROE) | 2.0163% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.0163% | 4,578 |
| Net charge-offs to loans | 0.3997% | 713 |
| Credit loss provision to net charge-offs | 47.9452% | 3,436 |
| Earnings coverage of net charge-offs (x) | 1.7717% | 4,032 |
| Efficiency ratio | 85.0827% | 1,083 |
| Assets per employee ($millions) | 6.8660% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4364% | 5,971 |
| Loan loss allowance to noncurrent loans | 72.0403% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,843 |
| Noncurrent loans to loans | 0.6058% | 3,352 |
| Net loans and leases to total assets | 67.8759% | 2,718 |
| Net loans and leases to deposits | 104.9529% | 394 |
| Net loans and leases to core deposits | 110.6129% | 827 |
| Total domestic deposits to total assets | 64.6727% | 6,037 |
| Equity capital to assets | 7.8274% | 5,913 |
| Core capital (leverage) ratio | 8.0583% | 5,802 |
| Tier 1 risk-based capital ratio | 11.3998% | 5,314 |
| Total risk-based capital ratio | 11.8185% | 5,666 |
| Memoranda: | ||
| Average total assets | $90,511,800 | 4,660 |
| Average earning assets | $87,740,800 | 4,544 |
| Average equity | $7,488,800 | 5,152 |
| Average total loans | $54,788,200 | 4,536 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 4,772 |
| Cost of funding earning assets | 0.7237% | 742 |
| Net interest margin | 2.8653% | 5,466 |
| Noninterest income to average assets | 0.0988% | 5,971 |
| Noninterest expense to average assets | 2.2923% | 4,799 |
| Loan and lease loss provision to assets | 0.1571% | 1,373 |
| Net operating income to assets | 0.2873% | 5,491 |
| Return on assets (ROA) | 0.2813% | 5,580 |
| Pretax return on assets | 0.4189% | 5,427 |
| Return on Equity (ROE) | 3.3511% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.3511% | 4,085 |
| Net charge-offs to loans | 0.3915% | 659 |
| Credit loss provision to net charge-offs | 68.6275% | 2,791 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,649 |
| Efficiency ratio | 79.6672% | 1,710 |
| Assets per employee ($millions) | 6.0431% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 5,948 |
| Loan loss allowance to noncurrent loans | 83.0588% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 1,968 |
| Noncurrent loans to loans | 0.6768% | 3,294 |
| Net loans and leases to total assets | 64.5813% | 3,216 |
| Net loans and leases to deposits | 100.7470% | 624 |
| Net loans and leases to core deposits | 106.6508% | 1,053 |
| Total domestic deposits to total assets | 64.1024% | 6,127 |
| Equity capital to assets | 7.8489% | 6,009 |
| Core capital (leverage) ratio | 8.0361% | 5,880 |
| Tier 1 risk-based capital ratio | 11.5119% | 5,368 |
| Total risk-based capital ratio | 12.0313% | 5,696 |
| Memoranda: | ||
| Average total assets | $89,108,750 | 4,747 |
| Average earning assets | $86,411,750 | 4,628 |
| Average equity | $7,480,000 | 5,217 |
| Average total loans | $52,102,500 | 4,656 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,918 |
| Cost of funding earning assets | 0.7166% | 775 |
| Net interest margin | 2.8117% | 5,590 |
| Noninterest income to average assets | 0.0577% | 6,150 |
| Noninterest expense to average assets | 2.1436% | 5,244 |
| Loan and lease loss provision to assets | 0.2425% | 744 |
| Net operating income to assets | 0.2772% | 5,509 |
| Return on assets (ROA) | 0.2772% | 5,594 |
| Pretax return on assets | 0.3996% | 5,469 |
| Return on Equity (ROE) | 3.2242% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.2242% | 3,996 |
| Net charge-offs to loans | 0.4615% | 554 |
| Credit loss provision to net charge-offs | 93.7500% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.4821% | 3,334 |
| Efficiency ratio | 76.9486% | 2,211 |
| Assets per employee ($millions) | 6.1938% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 5,625 |
| Loan loss allowance to noncurrent loans | 73.6449% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 2,927 |
| Noncurrent loans to loans | 1.0720% | 2,501 |
| Net loans and leases to total assets | 57.0999% | 4,209 |
| Net loans and leases to deposits | 84.9221% | 2,197 |
| Net loans and leases to core deposits | 90.6350% | 2,282 |
| Total domestic deposits to total assets | 67.2379% | 6,137 |
| Equity capital to assets | 8.5570% | 5,634 |
| Core capital (leverage) ratio | 8.9839% | 4,994 |
| Tier 1 risk-based capital ratio | 14.8896% | 3,422 |
| Total risk-based capital ratio | 15.6460% | 3,617 |
| Memoranda: | ||
| Average total assets | $86,582,000 | 4,841 |
| Average earning assets | $84,007,000 | 4,731 |
| Average equity | $7,443,670 | 5,272 |
| Average total loans | $48,538,000 | 4,803 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 4,887 |
| Cost of funding earning assets | 0.7126% | 806 |
| Net interest margin | 2.8172% | 5,610 |
| Noninterest income to average assets | 0.0370% | 6,263 |
| Noninterest expense to average assets | 1.9187% | 5,722 |
| Loan and lease loss provision to assets | 0.2450% | 682 |
| Net operating income to assets | 0.4254% | 4,971 |
| Return on assets (ROA) | 0.4254% | 5,096 |
| Pretax return on assets | 0.6149% | 4,876 |
| Return on Equity (ROE) | 4.9360% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.9360% | 3,088 |
| Net charge-offs to loans | 0.6771% | 360 |
| Credit loss provision to net charge-offs | 65.4321% | 1,952 |
| Earnings coverage of net charge-offs (x) | 2.2963% | 2,785 |
| Efficiency ratio | 69.0516% | 3,647 |
| Assets per employee ($millions) | 7.8028% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 5,732 |
| Loan loss allowance to noncurrent loans | 79.6574% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 3,862 |
| Noncurrent loans to loans | 0.9839% | 2,801 |
| Net loans and leases to total assets | 54.8636% | 4,333 |
| Net loans and leases to deposits | 80.8246% | 2,470 |
| Net loans and leases to core deposits | 86.2628% | 2,515 |
| Total domestic deposits to total assets | 67.8799% | 6,204 |
| Equity capital to assets | 8.7020% | 5,574 |
| Core capital (leverage) ratio | 9.0081% | 4,940 |
| Tier 1 risk-based capital ratio | 15.6520% | 3,081 |
| Total risk-based capital ratio | 16.4057% | 3,271 |
| Memoranda: | ||
| Average total assets | $86,516,500 | 4,889 |
| Average earning assets | $84,198,000 | 4,768 |
| Average equity | $7,455,500 | 5,314 |
| Average total loans | $47,853,500 | 4,854 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 4,958 |
| Cost of funding earning assets | 0.6484% | 1,415 |
| Net interest margin | 2.9939% | 5,461 |
| Noninterest income to average assets | 0.0391% | 6,319 |
| Noninterest expense to average assets | 1.7687% | 6,100 |
| Loan and lease loss provision to assets | 0.2085% | 1,204 |
| Net operating income to assets | 0.5622% | 4,545 |
| Return on assets (ROA) | 0.4886% | 4,942 |
| Pretax return on assets | 0.8545% | 4,054 |
| Return on Equity (ROE) | 6.6021% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.6021% | 1,596 |
| Net charge-offs to loans | 0.6574% | 584 |
| Credit loss provision to net charge-offs | 69.3141% | 3,093 |
| Earnings coverage of net charge-offs (x) | 3.9170% | 3,782 |
| Efficiency ratio | 60.0221% | 5,221 |
| Assets per employee ($millions) | 9.6891% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 5,686 |
| Loan loss allowance to noncurrent loans | 83.1950% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 3,954 |
| Noncurrent loans to loans | 0.9991% | 2,834 |
| Net loans and leases to total assets | 54.8657% | 4,467 |
| Net loans and leases to deposits | 82.9761% | 2,343 |
| Net loans and leases to core deposits | 88.6213% | 2,428 |
| Total domestic deposits to total assets | 66.1223% | 6,322 |
| Equity capital to assets | 8.5342% | 5,716 |
| Core capital (leverage) ratio | 8.7555% | 5,286 |
| Tier 1 risk-based capital ratio | 15.0230% | 3,471 |
| Total risk-based capital ratio | 15.8120% | 3,672 |
| Memoranda: | ||
| Average total assets | $92,103,600 | 4,786 |
| Average earning assets | $89,449,200 | 4,670 |
| Average equity | $6,816,000 | 5,457 |
| Average total loans | $42,136,000 | 5,102 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 5,079 |
| Cost of funding earning assets | 0.6022% | 1,807 |
| Net interest margin | 3.0240% | 5,452 |
| Noninterest income to average assets | 0.0371% | 6,412 |
| Noninterest expense to average assets | 1.7115% | 6,202 |
| Loan and lease loss provision to assets | 0.4314% | 368 |
| Net operating income to assets | 0.5608% | 4,628 |
| Return on assets (ROA) | 0.5200% | 4,864 |
| Pretax return on assets | 0.7686% | 4,469 |
| Return on Equity (ROE) | 7.2876% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.2876% | 1,678 |
| Net charge-offs to loans | 0.8011% | 416 |
| Credit loss provision to net charge-offs | 123.7705% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.6147% | 3,624 |
| Efficiency ratio | 57.5962% | 5,494 |
| Assets per employee ($millions) | 10.2724% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 4,534 |
| Loan loss allowance to noncurrent loans | 123.9726% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 4,474 |
| Noncurrent loans to loans | 0.9231% | 3,253 |
| Net loans and leases to total assets | 50.7377% | 4,920 |
| Net loans and leases to deposits | 79.0322% | 2,836 |
| Net loans and leases to core deposits | 83.8586% | 2,891 |
| Total domestic deposits to total assets | 64.1987% | 6,432 |
| Equity capital to assets | 7.6202% | 6,280 |
| Core capital (leverage) ratio | 8.1653% | 5,959 |
| Tier 1 risk-based capital ratio | 14.4983% | 3,884 |
| Total risk-based capital ratio | 15.5412% | 3,952 |
| Memoranda: | ||
| Average total assets | $93,329,000 | 4,815 |
| Average earning assets | $90,561,750 | 4,689 |
| Average equity | $6,659,500 | 5,541 |
| Average total loans | $40,608,750 | 5,210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 5,291 |
| Cost of funding earning assets | 0.6011% | 1,888 |
| Net interest margin | 2.9485% | 5,639 |
| Noninterest income to average assets | 0.0385% | 6,472 |
| Noninterest expense to average assets | 1.6898% | 6,278 |
| Loan and lease loss provision to assets | 0.4294% | 385 |
| Net operating income to assets | 0.5295% | 4,694 |
| Return on assets (ROA) | 0.4700% | 5,005 |
| Pretax return on assets | 0.6921% | 4,666 |
| Return on Equity (ROE) | 6.7371% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.7371% | 1,906 |
| Net charge-offs to loans | 0.7932% | 479 |
| Credit loss provision to net charge-offs | 132.2368% | 1,591 |
| Earnings coverage of net charge-offs (x) | 3.7237% | 3,233 |
| Efficiency ratio | 58.2903% | 5,519 |
| Assets per employee ($millions) | 11.4625% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 4,534 |
| Loan loss allowance to noncurrent loans | 173.7013% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 5,038 |
| Noncurrent loans to loans | 0.6770% | 4,021 |
| Net loans and leases to total assets | 49.0273% | 5,071 |
| Net loans and leases to deposits | 72.8371% | 3,469 |
| Net loans and leases to core deposits | 76.5151% | 3,569 |
| Total domestic deposits to total assets | 67.3108% | 6,444 |
| Equity capital to assets | 7.4766% | 6,355 |
| Core capital (leverage) ratio | 8.0752% | 6,038 |
| Tier 1 risk-based capital ratio | 14.7246% | 3,792 |
| Total risk-based capital ratio | 15.7884% | 3,845 |
| Memoranda: | ||
| Average total assets | $93,621,330 | 4,834 |
| Average earning assets | $90,826,330 | 4,707 |
| Average equity | $6,531,000 | 5,596 |
| Average total loans | $38,328,000 | 5,327 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7137% | 4,798 |
| Cost of funding earning assets | 0.5636% | 2,310 |
| Net interest margin | 3.1501% | 5,089 |
| Noninterest income to average assets | 0.0254% | 6,556 |
| Noninterest expense to average assets | 1.6451% | 6,396 |
| Loan and lease loss provision to assets | 0.4271% | 390 |
| Net operating income to assets | 0.6536% | 3,931 |
| Return on assets (ROA) | 0.5794% | 4,371 |
| Pretax return on assets | 0.8881% | 3,747 |
| Return on Equity (ROE) | 8.6049% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.6049% | 1,384 |
| Net charge-offs to loans | 1.7959% | 156 |
| Credit loss provision to net charge-offs | 64.7436% | 2,057 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 2,937 |
| Efficiency ratio | 53.5076% | 6,054 |
| Assets per employee ($millions) | 11.2828% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,473 |
| Loan loss allowance to noncurrent loans | 231.1828% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,523 |
| Noncurrent loans to loans | 0.5329% | 4,579 |
| Net loans and leases to total assets | 38.1910% | 5,931 |
| Net loans and leases to deposits | 52.4249% | 5,430 |
| Net loans and leases to core deposits | 54.9005% | 5,443 |
| Total domestic deposits to total assets | 72.8490% | 6,317 |
| Equity capital to assets | 7.1104% | 6,421 |
| Core capital (leverage) ratio | 8.1119% | 6,029 |
| Tier 1 risk-based capital ratio | 17.8268% | 2,364 |
| Total risk-based capital ratio | 18.8737% | 2,404 |
| Memoranda: | ||
| Average total assets | $94,582,000 | 4,855 |
| Average earning assets | $91,553,000 | 4,738 |
| Average equity | $6,368,500 | 5,671 |
| Average total loans | $34,745,500 | 5,507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 5,202 |
| Cost of funding earning assets | 0.5286% | 3,299 |
| Net interest margin | 3.1490% | 5,162 |
| Noninterest income to average assets | 0.0552% | 6,532 |
| Noninterest expense to average assets | 1.5483% | 6,543 |
| Loan and lease loss provision to assets | 0.0452% | 4,216 |
| Net operating income to assets | 0.9569% | 2,532 |
| Return on assets (ROA) | 0.9569% | 2,601 |
| Pretax return on assets | 1.5122% | 1,404 |
| Return on Equity (ROE) | 14.7532% | 808 |
| Retained earnings to average equity (ytd only) | 8.5609% | 889 |
| Net charge-offs to loans | 1.1859% | 451 |
| Credit loss provision to net charge-offs | 10.7914% | 4,573 |
| Earnings coverage of net charge-offs (x) | 3.7194% | 3,770 |
| Efficiency ratio | 49.8545% | 6,405 |
| Assets per employee ($millions) | 12.3628% | 130 |
| Cash dividends to net income (ytd only)* | 41.9727% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,644 |
| Loan loss allowance to noncurrent loans | 114.6572% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 4,902 |
| Noncurrent loans to loans | 1.2229% | 3,101 |
| Net loans and leases to total assets | 34.4826% | 6,267 |
| Net loans and leases to deposits | 52.9722% | 5,552 |
| Net loans and leases to core deposits | 54.9639% | 5,617 |
| Total domestic deposits to total assets | 65.0958% | 6,651 |
| Equity capital to assets | 6.3892% | 6,582 |
| Core capital (leverage) ratio | 7.2648% | 6,455 |
| Tier 1 risk-based capital ratio | 16.1682% | 3,019 |
| Total risk-based capital ratio | 17.2596% | 3,045 |
| Memoranda: | ||
| Average total assets | $99,591,200 | 4,749 |
| Average earning assets | $96,473,600 | 4,608 |
| Average equity | $6,459,600 | 5,705 |
| Average total loans | $35,163,000 | 5,529 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 5,380 |
| Cost of funding earning assets | 0.5373% | 3,389 |
| Net interest margin | 3.0846% | 5,363 |
| Noninterest income to average assets | 0.0668% | 6,581 |
| Noninterest expense to average assets | 1.5236% | 6,623 |
| Loan and lease loss provision to assets | 0.1938% | 1,882 |
| Net operating income to assets | 0.8914% | 2,875 |
| Return on assets (ROA) | 0.8914% | 2,991 |
| Pretax return on assets | 1.3418% | 2,161 |
| Return on Equity (ROE) | 13.6928% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,731 |
| Net charge-offs to loans | 1.2840% | 414 |
| Credit loss provision to net charge-offs | 42.6471% | 3,658 |
| Earnings coverage of net charge-offs (x) | 3.3794% | 3,719 |
| Efficiency ratio | 49.8034% | 6,410 |
| Assets per employee ($millions) | 12.6821% | 129 |
| Cash dividends to net income (ytd only)* | 59.9701% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 2,046 |
| Loan loss allowance to noncurrent loans | 154.8009% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 5,109 |
| Noncurrent loans to loans | 1.2169% | 3,378 |
| Net loans and leases to total assets | 33.9326% | 6,363 |
| Net loans and leases to deposits | 53.5904% | 5,573 |
| Net loans and leases to core deposits | 55.6099% | 5,658 |
| Total domestic deposits to total assets | 63.3185% | 6,762 |
| Equity capital to assets | 6.1711% | 6,676 |
| Core capital (leverage) ratio | 6.7999% | 6,628 |
| Tier 1 risk-based capital ratio | 15.6949% | 3,356 |
| Total risk-based capital ratio | 16.9461% | 3,310 |
| Memoranda: | ||
| Average total assets | $99,763,500 | 4,788 |
| Average earning assets | $96,778,750 | 4,647 |
| Average equity | $6,494,750 | 5,772 |
| Average total loans | $35,306,500 | 5,572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 5,322 |
| Cost of funding earning assets | 0.5479% | 3,442 |
| Net interest margin | 3.0920% | 5,290 |
| Noninterest income to average assets | 0.0827% | 6,577 |
| Noninterest expense to average assets | 1.5242% | 6,658 |
| Loan and lease loss provision to assets | 0.3528% | 939 |
| Net operating income to assets | 0.7923% | 3,333 |
| Return on assets (ROA) | 0.7923% | 3,495 |
| Pretax return on assets | 1.2097% | 2,631 |
| Return on Equity (ROE) | 11.9586% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.9586% | 498 |
| Net charge-offs to loans | 1.0741% | 563 |
| Credit loss provision to net charge-offs | 92.1053% | 2,395 |
| Earnings coverage of net charge-offs (x) | 4.0789% | 3,216 |
| Efficiency ratio | 49.3795% | 6,463 |
| Assets per employee ($millions) | 12.5778% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3725% | 1,132 |
| Loan loss allowance to noncurrent loans | 135.2090% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 4,627 |
| Noncurrent loans to loans | 1.7547% | 2,693 |
| Net loans and leases to total assets | 34.3931% | 6,392 |
| Net loans and leases to deposits | 53.3145% | 5,578 |
| Net loans and leases to core deposits | 55.0804% | 5,667 |
| Total domestic deposits to total assets | 64.5097% | 6,787 |
| Equity capital to assets | 6.1050% | 6,734 |
| Core capital (leverage) ratio | 6.9806% | 6,619 |
| Tier 1 risk-based capital ratio | 15.8702% | 3,279 |
| Total risk-based capital ratio | 17.1400% | 3,207 |
| Memoranda: | ||
| Average total assets | $99,199,000 | 4,841 |
| Average earning assets | $96,376,330 | 4,691 |
| Average equity | $6,572,670 | 5,788 |
| Average total loans | $35,379,330 | 5,603 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 5,178 |
| Cost of funding earning assets | 0.5592% | 3,486 |
| Net interest margin | 3.1381% | 5,132 |
| Noninterest income to average assets | 0.0528% | 6,724 |
| Noninterest expense to average assets | 1.5271% | 6,720 |
| Loan and lease loss provision to assets | 0.6092% | 415 |
| Net operating income to assets | 0.6742% | 3,822 |
| Return on assets (ROA) | 0.6742% | 3,979 |
| Pretax return on assets | 0.9707% | 3,481 |
| Return on Equity (ROE) | 9.7827% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.7827% | 1,162 |
| Net charge-offs to loans | 0.6111% | 996 |
| Credit loss provision to net charge-offs | 277.7778% | 849 |
| Earnings coverage of net charge-offs (x) | 7.2037% | 2,103 |
| Efficiency ratio | 49.1503% | 6,559 |
| Assets per employee ($millions) | 12.6626% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7894% | 828 |
| Loan loss allowance to noncurrent loans | 139.5894% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 4,621 |
| Noncurrent loans to loans | 1.9983% | 2,619 |
| Net loans and leases to total assets | 32.7509% | 6,480 |
| Net loans and leases to deposits | 51.8002% | 5,640 |
| Net loans and leases to core deposits | 53.7567% | 5,689 |
| Total domestic deposits to total assets | 63.2254% | 6,883 |
| Equity capital to assets | 6.7660% | 6,754 |
| Core capital (leverage) ratio | 6.7038% | 6,714 |
| Tier 1 risk-based capital ratio | 15.5039% | 3,523 |
| Total risk-based capital ratio | 16.7367% | 3,496 |
| Memoranda: | ||
| Average total assets | $98,487,500 | 4,898 |
| Average earning assets | $95,855,500 | 4,741 |
| Average equity | $6,787,500 | 5,792 |
| Average total loans | $35,345,000 | 5,649 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1265% | 4,852 |
| Cost of funding earning assets | 0.8233% | 2,480 |
| Net interest margin | 3.3033% | 5,236 |
| Noninterest income to average assets | 0.1944% | 6,021 |
| Noninterest expense to average assets | 1.6580% | 6,757 |
| Loan and lease loss provision to assets | 0.9577% | 446 |
| Net operating income to assets | 0.4558% | 4,857 |
| Return on assets (ROA) | 0.7732% | 3,655 |
| Pretax return on assets | 1.3100% | 2,355 |
| Return on Equity (ROE) | 9.8990% | 2,216 |
| Retained earnings to average equity (ytd only) | 1.4141% | 5,169 |
| Net charge-offs to loans | 2.3143% | 282 |
| Credit loss provision to net charge-offs | 102.3613% | 2,938 |
| Earnings coverage of net charge-offs (x) | 1.8937% | 4,477 |
| Efficiency ratio | 48.3414% | 6,690 |
| Assets per employee ($millions) | 11.9593% | 151 |
| Cash dividends to net income (ytd only)* | 85.7143% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3440% | 1,315 |
| Loan loss allowance to noncurrent loans | 154.6931% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 4,944 |
| Noncurrent loans to loans | 1.5153% | 3,332 |
| Net loans and leases to total assets | 37.3184% | 6,348 |
| Net loans and leases to deposits | 52.4850% | 5,770 |
| Net loans and leases to core deposits | 54.6384% | 5,832 |
| Total domestic deposits to total assets | 71.1029% | 6,737 |
| Equity capital to assets | 7.0249% | 6,768 |
| Core capital (leverage) ratio | 6.9204% | 6,727 |
| Tier 1 risk-based capital ratio | 15.0975% | 3,671 |
| Total risk-based capital ratio | 16.3562% | 3,611 |
| Memoranda: | ||
| Average total assets | $90,533,000 | 5,069 |
| Average earning assets | $88,670,200 | 4,907 |
| Average equity | $7,071,400 | 5,741 |
| Average total loans | $36,598,800 | 5,655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 4,729 |
| Cost of funding earning assets | 0.8733% | 2,372 |
| Net interest margin | 3.3519% | 5,211 |
| Noninterest income to average assets | 0.1584% | 6,354 |
| Noninterest expense to average assets | 1.6075% | 6,871 |
| Loan and lease loss provision to assets | 0.9218% | 472 |
| Net operating income to assets | 0.5523% | 4,615 |
| Return on assets (ROA) | 0.8411% | 3,503 |
| Pretax return on assets | 1.3714% | 2,340 |
| Return on Equity (ROE) | 10.4854% | 2,142 |
| Retained earnings to average equity (ytd only) | 6.7606% | 2,243 |
| Net charge-offs to loans | 2.7024% | 223 |
| Credit loss provision to net charge-offs | 83.1536% | 3,526 |
| Earnings coverage of net charge-offs (x) | 1.6617% | 4,445 |
| Efficiency ratio | 46.6003% | 6,791 |
| Assets per employee ($millions) | 11.8093% | 151 |
| Cash dividends to net income (ytd only)* | 35.5239% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 2,002 |
| Loan loss allowance to noncurrent loans | 133.3959% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 5,152 |
| Noncurrent loans to loans | 1.5471% | 3,470 |
| Net loans and leases to total assets | 35.7135% | 6,569 |
| Net loans and leases to deposits | 46.5431% | 6,351 |
| Net loans and leases to core deposits | 48.3298% | 6,394 |
| Total domestic deposits to total assets | 76.7322% | 6,274 |
| Equity capital to assets | 7.8837% | 6,642 |
| Core capital (leverage) ratio | 7.2824% | 6,723 |
| Tier 1 risk-based capital ratio | 15.9877% | 3,267 |
| Total risk-based capital ratio | 17.2333% | 3,239 |
| Memoranda: | ||
| Average total assets | $89,247,750 | 5,165 |
| Average earning assets | $87,629,250 | 4,976 |
| Average equity | $7,159,000 | 5,782 |
| Average total loans | $36,608,250 | 5,723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 3,861 |
| Cost of funding earning assets | 0.9131% | 2,301 |
| Net interest margin | 3.5639% | 4,404 |
| Noninterest income to average assets | 0.1303% | 6,535 |
| Noninterest expense to average assets | 1.5930% | 6,934 |
| Loan and lease loss provision to assets | 0.7588% | 688 |
| Net operating income to assets | 0.7650% | 3,535 |
| Return on assets (ROA) | 1.2068% | 1,884 |
| Pretax return on assets | 1.9656% | 734 |
| Return on Equity (ROE) | 14.9519% | 946 |
| Retained earnings to average equity (ytd only) | 9.2883% | 1,177 |
| Net charge-offs to loans | 2.0360% | 398 |
| Credit loss provision to net charge-offs | 87.3684% | 3,120 |
| Earnings coverage of net charge-offs (x) | 2.3421% | 3,832 |
| Efficiency ratio | 43.9193% | 6,962 |
| Assets per employee ($millions) | 9.8766% | 236 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 1,809 |
| Loan loss allowance to noncurrent loans | 95.0602% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 4,366 |
| Noncurrent loans to loans | 2.2973% | 2,609 |
| Net loans and leases to total assets | 39.7586% | 6,361 |
| Net loans and leases to deposits | 47.6165% | 6,336 |
| Net loans and leases to core deposits | 49.4003% | 6,376 |
| Total domestic deposits to total assets | 83.4974% | 4,530 |
| Equity capital to assets | 8.2035% | 6,446 |
| Core capital (leverage) ratio | 7.6961% | 6,519 |
| Tier 1 risk-based capital ratio | 15.8636% | 3,231 |
| Total risk-based capital ratio | 17.1320% | 3,194 |
| Memoranda: | ||
| Average total assets | $87,505,670 | 5,241 |
| Average earning assets | $85,862,000 | 5,051 |
| Average equity | $7,062,670 | 5,830 |
| Average total loans | $37,327,330 | 5,715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 3,634 |
| Cost of funding earning assets | 0.9040% | 2,655 |
| Net interest margin | 3.6676% | 3,973 |
| Noninterest income to average assets | 0.1290% | 6,603 |
| Noninterest expense to average assets | 1.5804% | 6,994 |
| Loan and lease loss provision to assets | 0.4930% | 1,234 |
| Net operating income to assets | 0.9952% | 2,498 |
| Return on assets (ROA) | 0.9952% | 2,691 |
| Pretax return on assets | 1.6449% | 1,445 |
| Return on Equity (ROE) | 12.4352% | 1,544 |
| Retained earnings to average equity (ytd only) | 6.6782% | 2,593 |
| Net charge-offs to loans | 2.2887% | 377 |
| Credit loss provision to net charge-offs | 49.3088% | 3,301 |
| Earnings coverage of net charge-offs (x) | 2.1382% | 3,298 |
| Efficiency ratio | 42.5031% | 7,042 |
| Assets per employee ($millions) | 11.1186% | 179 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,398 |
| Loan loss allowance to noncurrent loans | 141.7154% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 5,182 |
| Noncurrent loans to loans | 1.4018% | 4,011 |
| Net loans and leases to total assets | 40.3265% | 6,322 |
| Net loans and leases to deposits | 50.3234% | 6,116 |
| Net loans and leases to core deposits | 51.9073% | 6,213 |
| Total domestic deposits to total assets | 80.1347% | 5,827 |
| Equity capital to assets | 7.8056% | 6,630 |
| Core capital (leverage) ratio | 7.4492% | 6,664 |
| Tier 1 risk-based capital ratio | 14.7965% | 3,893 |
| Total risk-based capital ratio | 16.0492% | 3,853 |
| Memoranda: | ||
| Average total assets | $86,814,000 | 5,296 |
| Average earning assets | $84,959,500 | 5,115 |
| Average equity | $6,948,000 | 5,887 |
| Average total loans | $37,926,000 | 5,735 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 2,155 |
| Cost of funding earning assets | 0.9152% | 4,007 |
| Net interest margin | 4.2629% | 1,829 |
| Noninterest income to average assets | 0.0933% | 6,669 |
| Noninterest expense to average assets | 2.1952% | 6,278 |
| Loan and lease loss provision to assets | 0.7287% | 1,395 |
| Net operating income to assets | 0.7569% | 3,230 |
| Return on assets (ROA) | 0.8707% | 2,876 |
| Pretax return on assets | 1.4741% | 1,552 |
| Return on Equity (ROE) | 10.5278% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.5278% | 470 |
| Net charge-offs to loans | 2.0050% | 689 |
| Credit loss provision to net charge-offs | 73.7387% | 4,709 |
| Earnings coverage of net charge-offs (x) | 2.0492% | 4,244 |
| Efficiency ratio | 52.0145% | 6,696 |
| Assets per employee ($millions) | 10.5849% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 1,924 |
| Loan loss allowance to noncurrent loans | 144.0620% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 5,023 |
| Noncurrent loans to loans | 1.4801% | 3,932 |
| Net loans and leases to total assets | 45.3690% | 6,067 |
| Net loans and leases to deposits | 67.2360% | 4,549 |
| Net loans and leases to core deposits | 68.5253% | 4,966 |
| Total domestic deposits to total assets | 67.4772% | 7,091 |
| Equity capital to assets | 8.2110% | 6,427 |
| Core capital (leverage) ratio | 7.7250% | 6,518 |
| Tier 1 risk-based capital ratio | 14.8806% | 3,712 |
| Total risk-based capital ratio | 16.1018% | 3,698 |
| Memoranda: | ||
| Average total assets | $78,216,600 | 5,496 |
| Average earning assets | $75,722,800 | 5,350 |
| Average equity | $6,468,600 | 6,020 |
| Average total loans | $38,553,000 | 5,753 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 1,881 |
| Cost of funding earning assets | 0.9242% | 4,239 |
| Net interest margin | 4.3708% | 1,491 |
| Noninterest income to average assets | 0.0835% | 6,826 |
| Noninterest expense to average assets | 2.2645% | 6,134 |
| Loan and lease loss provision to assets | 1.3925% | 526 |
| Net operating income to assets | 0.3859% | 5,058 |
| Return on assets (ROA) | 0.4282% | 5,057 |
| Pretax return on assets | 0.7154% | 4,417 |
| Return on Equity (ROE) | 5.1672% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.1672% | 3,083 |
| Net charge-offs to loans | 2.5292% | 426 |
| Credit loss provision to net charge-offs | 109.8901% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.6113% | 4,440 |
| Efficiency ratio | 52.5869% | 6,630 |
| Assets per employee ($millions) | 10.4530% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0123% | 852 |
| Loan loss allowance to noncurrent loans | 274.5679% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 5,557 |
| Noncurrent loans to loans | 1.0971% | 4,722 |
| Net loans and leases to total assets | 42.8143% | 6,441 |
| Net loans and leases to deposits | 64.9393% | 5,054 |
| Net loans and leases to core deposits | 66.1451% | 5,398 |
| Total domestic deposits to total assets | 65.9296% | 7,198 |
| Equity capital to assets | 8.1436% | 6,605 |
| Core capital (leverage) ratio | 7.3380% | 6,837 |
| Tier 1 risk-based capital ratio | 14.3420% | 4,098 |
| Total risk-based capital ratio | 15.6081% | 4,048 |
| Memoranda: | ||
| Average total assets | $76,601,000 | 5,593 |
| Average earning assets | $74,004,000 | 5,445 |
| Average equity | $6,347,500 | 6,096 |
| Average total loans | $38,377,500 | 5,819 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 1,708 |
| Cost of funding earning assets | 0.9468% | 4,344 |
| Net interest margin | 4.4073% | 1,347 |
| Noninterest income to average assets | 0.0889% | 6,885 |
| Noninterest expense to average assets | 2.1438% | 6,515 |
| Loan and lease loss provision to assets | 1.6159% | 428 |
| Net operating income to assets | 0.3432% | 5,202 |
| Return on assets (ROA) | 0.3501% | 5,310 |
| Pretax return on assets | 0.5898% | 4,774 |
| Return on Equity (ROE) | 4.1981% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.1981% | 3,526 |
| Net charge-offs to loans | 2.5730% | 444 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 1.6300% | 4,071 |
| Efficiency ratio | 49.4103% | 6,977 |
| Assets per employee ($millions) | 9.8214% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0013% | 899 |
| Loan loss allowance to noncurrent loans | 299.2126% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 5,632 |
| Noncurrent loans to loans | 1.0031% | 4,993 |
| Net loans and leases to total assets | 46.8926% | 6,165 |
| Net loans and leases to deposits | 73.5262% | 3,874 |
| Net loans and leases to core deposits | 75.0311% | 4,434 |
| Total domestic deposits to total assets | 63.7767% | 7,323 |
| Equity capital to assets | 8.1951% | 6,522 |
| Core capital (leverage) ratio | 7.1553% | 6,940 |
| Tier 1 risk-based capital ratio | 13.0757% | 4,857 |
| Total risk-based capital ratio | 14.3435% | 4,821 |
| Memoranda: | ||
| Average total assets | $74,260,000 | 5,713 |
| Average earning assets | $71,608,000 | 5,567 |
| Average equity | $6,193,330 | 6,175 |
| Average total loans | $38,865,000 | 5,851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 1,381 |
| Cost of funding earning assets | 1.0134% | 4,099 |
| Net interest margin | 4.4566% | 1,157 |
| Noninterest income to average assets | 0.0832% | 6,988 |
| Noninterest expense to average assets | 2.2634% | 6,275 |
| Loan and lease loss provision to assets | 1.6643% | 365 |
| Net operating income to assets | 0.2663% | 5,556 |
| Return on assets (ROA) | 0.2663% | 5,618 |
| Pretax return on assets | 0.4493% | 5,191 |
| Return on Equity (ROE) | 3.1628% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.1628% | 4,278 |
| Net charge-offs to loans | 2.7579% | 393 |
| Credit loss provision to net charge-offs | 110.7011% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.4059% | 3,647 |
| Efficiency ratio | 51.7110% | 6,875 |
| Assets per employee ($millions) | 9.0351% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7905% | 1,122 |
| Loan loss allowance to noncurrent loans | 215.5242% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 5,180 |
| Noncurrent loans to loans | 1.2948% | 4,535 |
| Net loans and leases to total assets | 51.5198% | 5,646 |
| Net loans and leases to deposits | 74.8432% | 3,621 |
| Net loans and leases to core deposits | 75.9887% | 4,308 |
| Total domestic deposits to total assets | 68.8369% | 7,237 |
| Equity capital to assets | 8.4241% | 6,025 |
| Core capital (leverage) ratio | 7.5531% | 6,697 |
| Tier 1 risk-based capital ratio | 13.2374% | 4,627 |
| Total risk-based capital ratio | 14.4710% | 4,628 |
| Memoranda: | ||
| Average total assets | $72,104,500 | 5,813 |
| Average earning assets | $69,469,500 | 5,690 |
| Average equity | $6,070,500 | 6,221 |
| Average total loans | $39,305,500 | 5,878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6626% | 1,706 |
| Cost of funding earning assets | 1.3512% | 3,567 |
| Net interest margin | 4.3114% | 1,783 |
| Noninterest income to average assets | 0.1913% | 6,396 |
| Noninterest expense to average assets | 2.2041% | 6,600 |
| Loan and lease loss provision to assets | 1.7560% | 795 |
| Net operating income to assets | 1.3655% | 1,020 |
| Return on assets (ROA) | 1.3655% | 1,094 |
| Pretax return on assets | 0.4133% | 4,909 |
| Return on Equity (ROE) | 17.8092% | 394 |
| Retained earnings to average equity (ytd only) | 17.8092% | 77 |
| Net charge-offs to loans | 2.7944% | 630 |
| Credit loss provision to net charge-offs | 107.9770% | 4,105 |
| Earnings coverage of net charge-offs (x) | 1.3339% | 4,770 |
| Efficiency ratio | 50.3976% | 7,092 |
| Assets per employee ($millions) | 8.9910% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5805% | 1,307 |
| Loan loss allowance to noncurrent loans | 92.7743% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 3,693 |
| Noncurrent loans to loans | 2.7814% | 2,742 |
| Net loans and leases to total assets | 54.5865% | 5,562 |
| Net loans and leases to deposits | 82.7932% | 2,660 |
| Net loans and leases to core deposits | 84.1236% | 3,579 |
| Total domestic deposits to total assets | 65.9312% | 7,395 |
| Equity capital to assets | 8.4140% | 5,974 |
| Core capital (leverage) ratio | 7.4723% | 6,725 |
| Tier 1 risk-based capital ratio | 12.7328% | 4,835 |
| Total risk-based capital ratio | 13.9989% | 4,790 |
| Memoranda: | ||
| Average total assets | $74,770,400 | 5,747 |
| Average earning assets | $72,528,200 | 5,585 |
| Average equity | $5,733,000 | 6,453 |
| Average total loans | $43,515,800 | 5,770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 1,849 |
| Cost of funding earning assets | 1.4542% | 3,248 |
| Net interest margin | 4.2063% | 2,196 |
| Noninterest income to average assets | 0.1819% | 6,577 |
| Noninterest expense to average assets | 2.1497% | 6,740 |
| Loan and lease loss provision to assets | 1.5809% | 822 |
| Net operating income to assets | 0.5388% | 4,142 |
| Return on assets (ROA) | 0.5388% | 4,310 |
| Pretax return on assets | 0.5388% | 4,798 |
| Return on Equity (ROE) | 7.1934% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.1934% | 1,758 |
| Net charge-offs to loans | 2.5150% | 670 |
| Credit loss provision to net charge-offs | 107.0574% | 3,991 |
| Earnings coverage of net charge-offs (x) | 1.4354% | 4,650 |
| Efficiency ratio | 50.3517% | 7,126 |
| Assets per employee ($millions) | 9.2810% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3222% | 1,594 |
| Loan loss allowance to noncurrent loans | 159.0476% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 4,974 |
| Noncurrent loans to loans | 1.4601% | 4,433 |
| Net loans and leases to total assets | 56.7638% | 5,449 |
| Net loans and leases to deposits | 89.0057% | 1,857 |
| Net loans and leases to core deposits | 90.4382% | 3,036 |
| Total domestic deposits to total assets | 63.7755% | 7,524 |
| Equity capital to assets | 8.0312% | 6,778 |
| Core capital (leverage) ratio | 6.9433% | 7,194 |
| Tier 1 risk-based capital ratio | 11.7478% | 5,689 |
| Total risk-based capital ratio | 12.9652% | 5,690 |
| Memoranda: | ||
| Average total assets | $75,481,000 | 5,791 |
| Average earning assets | $73,349,000 | 5,623 |
| Average equity | $5,653,250 | 6,553 |
| Average total loans | $44,319,000 | 5,816 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 1,879 |
| Cost of funding earning assets | 1.5512% | 2,952 |
| Net interest margin | 4.1167% | 2,478 |
| Noninterest income to average assets | 0.1239% | 6,977 |
| Noninterest expense to average assets | 2.1768% | 6,707 |
| Loan and lease loss provision to assets | 1.1859% | 1,183 |
| Net operating income to assets | 0.7616% | 3,144 |
| Return on assets (ROA) | 0.7616% | 3,297 |
| Pretax return on assets | 0.7616% | 4,021 |
| Return on Equity (ROE) | 10.4144% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.4144% | 763 |
| Net charge-offs to loans | 2.0712% | 873 |
| Credit loss provision to net charge-offs | 97.1922% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.5961% | 4,297 |
| Efficiency ratio | 52.7796% | 7,002 |
| Assets per employee ($millions) | 9.1913% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 1,930 |
| Loan loss allowance to noncurrent loans | 145.5399% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 4,890 |
| Noncurrent loans to loans | 1.4554% | 4,526 |
| Net loans and leases to total assets | 58.4469% | 5,343 |
| Net loans and leases to deposits | 79.5528% | 3,675 |
| Net loans and leases to core deposits | 80.6728% | 4,602 |
| Total domestic deposits to total assets | 73.4693% | 7,043 |
| Equity capital to assets | 8.0103% | 6,748 |
| Core capital (leverage) ratio | 6.9767% | 7,206 |
| Tier 1 risk-based capital ratio | 11.3214% | 5,922 |
| Total risk-based capital ratio | 12.5823% | 5,898 |
| Memoranda: | ||
| Average total assets | $75,892,000 | 5,804 |
| Average earning assets | $73,747,670 | 5,651 |
| Average equity | $5,550,000 | 6,602 |
| Average total loans | $44,709,330 | 5,832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 2,115 |
| Cost of funding earning assets | 1.5985% | 2,972 |
| Net interest margin | 4.0096% | 2,836 |
| Noninterest income to average assets | 0.1816% | 6,658 |
| Noninterest expense to average assets | 2.1227% | 6,881 |
| Loan and lease loss provision to assets | 1.1677% | 1,046 |
| Net operating income to assets | 0.7837% | 3,036 |
| Return on assets (ROA) | 0.7837% | 3,156 |
| Pretax return on assets | 0.7837% | 3,937 |
| Return on Equity (ROE) | 11.2268% | 1,714 |
| Retained earnings to average equity (ytd only) | 11.2268% | 876 |
| Net charge-offs to loans | 1.4897% | 1,160 |
| Credit loss provision to net charge-offs | 133.9286% | 2,633 |
| Earnings coverage of net charge-offs (x) | 2.2381% | 3,416 |
| Efficiency ratio | 52.1019% | 7,143 |
| Assets per employee ($millions) | 9.7474% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 1,706 |
| Loan loss allowance to noncurrent loans | 127.6433% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,684 |
| Noncurrent loans to loans | 1.7403% | 4,140 |
| Net loans and leases to total assets | 56.5588% | 5,667 |
| Net loans and leases to deposits | 84.7600% | 2,807 |
| Net loans and leases to core deposits | 85.9995% | 3,894 |
| Total domestic deposits to total assets | 66.7282% | 7,586 |
| Equity capital to assets | 7.0275% | 7,356 |
| Core capital (leverage) ratio | 6.3671% | 7,515 |
| Tier 1 risk-based capital ratio | 10.6367% | 6,506 |
| Total risk-based capital ratio | 11.8989% | 6,482 |
| Memoranda: | ||
| Average total assets | $77,073,000 | 5,851 |
| Average earning assets | $74,819,500 | 5,678 |
| Average equity | $5,380,000 | 6,713 |
| Average total loans | $45,111,000 | 5,878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0162% | 1,805 |
| Cost of funding earning assets | 2.2112% | 1,981 |
| Net interest margin | 3.8051% | 3,686 |
| Noninterest income to average assets | 0.2350% | 6,424 |
| Noninterest expense to average assets | 2.4756% | 6,219 |
| Loan and lease loss provision to assets | 1.5439% | 1,493 |
| Net operating income to assets | -0.0887% | 5,661 |
| Return on assets (ROA) | -0.0718% | 5,649 |
| Pretax return on assets | -0.0718% | 5,560 |
| Return on Equity (ROE) | -1.0828% | 5,700 |
| Retained earnings to average equity (ytd only) | -1.0828% | 5,279 |
| Net charge-offs to loans | 1.7085% | 1,475 |
| Credit loss provision to net charge-offs | 136.1042% | 3,630 |
| Earnings coverage of net charge-offs (x) | 1.2829% | 4,846 |
| Efficiency ratio | 62.9789% | 5,974 |
| Assets per employee ($millions) | 9.5209% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 2,985 |
| Loan loss allowance to noncurrent loans | 99.8679% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 4,738 |
| Noncurrent loans to loans | 1.6779% | 4,131 |
| Net loans and leases to total assets | 58.2404% | 5,625 |
| Net loans and leases to deposits | 100.6101% | 852 |
| Net loans and leases to core deposits | 108.2902% | 3,070 |
| Total domestic deposits to total assets | 57.8873% | 7,835 |
| Equity capital to assets | 6.9321% | 7,401 |
| Core capital (leverage) ratio | 6.5419% | 7,470 |
| Tier 1 risk-based capital ratio | 10.5777% | 6,314 |
| Total risk-based capital ratio | 11.8312% | 6,299 |
| Memoranda: | ||
| Average total assets | $71,053,200 | 5,973 |
| Average earning assets | $69,013,400 | 5,841 |
| Average equity | $4,710,000 | 7,050 |
| Average total loans | $47,175,400 | 5,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0454% | 1,859 |
| Cost of funding earning assets | 2.3859% | 1,680 |
| Net interest margin | 3.6594% | 4,236 |
| Noninterest income to average assets | 0.2541% | 6,414 |
| Noninterest expense to average assets | 2.4727% | 6,168 |
| Loan and lease loss provision to assets | 0.7987% | 2,366 |
| Net operating income to assets | 0.5408% | 3,827 |
| Return on assets (ROA) | 0.5637% | 3,822 |
| Pretax return on assets | 0.5637% | 4,320 |
| Return on Equity (ROE) | 8.6113% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.6113% | 941 |
| Net charge-offs to loans | 1.3476% | 1,525 |
| Credit loss provision to net charge-offs | 86.7220% | 5,573 |
| Earnings coverage of net charge-offs (x) | 1.4544% | 4,692 |
| Efficiency ratio | 64.8622% | 5,576 |
| Assets per employee ($millions) | 8.1812% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 6,877 |
| Loan loss allowance to noncurrent loans | 51.2788% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2794% | 4,515 |
| Noncurrent loans to loans | 1.7004% | 4,090 |
| Net loans and leases to total assets | 61.9141% | 5,259 |
| Net loans and leases to deposits | 100.8830% | 1,026 |
| Net loans and leases to core deposits | 117.2531% | 2,500 |
| Total domestic deposits to total assets | 61.3722% | 7,840 |
| Equity capital to assets | 7.2062% | 7,486 |
| Core capital (leverage) ratio | 7.2062% | 7,261 |
| Tier 1 risk-based capital ratio | 11.2026% | 5,751 |
| Total risk-based capital ratio | 12.0492% | 6,122 |
| Memoranda: | ||
| Average total assets | $69,774,750 | 6,048 |
| Average earning assets | $67,841,000 | 5,912 |
| Average equity | $4,567,500 | 7,153 |
| Average total loans | $47,690,250 | 5,816 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2017% | 1,446 |
| Cost of funding earning assets | 2.5697% | 1,374 |
| Net interest margin | 3.6320% | 4,238 |
| Noninterest income to average assets | 0.2920% | 6,184 |
| Noninterest expense to average assets | 2.6194% | 5,663 |
| Loan and lease loss provision to assets | 0.4088% | 3,478 |
| Net operating income to assets | 0.7884% | 2,896 |
| Return on assets (ROA) | 0.8235% | 2,860 |
| Pretax return on assets | 0.8235% | 3,593 |
| Return on Equity (ROE) | 13.0515% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.0515% | 328 |
| Net charge-offs to loans | 1.1522% | 1,582 |
| Credit loss provision to net charge-offs | 50.3597% | 5,762 |
| Earnings coverage of net charge-offs (x) | 1.4748% | 4,428 |
| Efficiency ratio | 68.6305% | 5,045 |
| Assets per employee ($millions) | 7.6844% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 7,471 |
| Loan loss allowance to noncurrent loans | 56.1856% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 4,762 |
| Noncurrent loans to loans | 1.2056% | 4,804 |
| Net loans and leases to total assets | 69.3276% | 3,872 |
| Net loans and leases to deposits | 107.1370% | 697 |
| Net loans and leases to core deposits | 128.5960% | 1,673 |
| Total domestic deposits to total assets | 64.7094% | 7,803 |
| Equity capital to assets | 6.5602% | 7,804 |
| Core capital (leverage) ratio | 6.5602% | 7,764 |
| Tier 1 risk-based capital ratio | 9.3864% | 7,486 |
| Total risk-based capital ratio | 10.0629% | 7,821 |
| Memoranda: | ||
| Average total assets | $68,489,330 | 6,131 |
| Average earning assets | $66,465,670 | 5,993 |
| Average equity | $4,321,330 | 7,302 |
| Average total loans | $48,257,330 | 5,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3932% | 1,078 |
| Cost of funding earning assets | 2.7876% | 1,009 |
| Net interest margin | 3.6057% | 4,295 |
| Noninterest income to average assets | 0.2289% | 6,630 |
| Noninterest expense to average assets | 2.6411% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0799% | 2,033 |
| Return on assets (ROA) | 1.1503% | 1,924 |
| Pretax return on assets | 1.1503% | 2,800 |
| Return on Equity (ROE) | 18.6069% | 541 |
| Retained earnings to average equity (ytd only) | 18.6069% | 210 |
| Net charge-offs to loans | 1.0031% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.5207% | 3,968 |
| Efficiency ratio | 70.9779% | 4,376 |
| Assets per employee ($millions) | 7.4277% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7197% | 7,383 |
| Loan loss allowance to noncurrent loans | 86.8687% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 5,030 |
| Noncurrent loans to loans | 0.8285% | 5,373 |
| Net loans and leases to total assets | 70.9898% | 3,469 |
| Net loans and leases to deposits | 103.5999% | 1,041 |
| Net loans and leases to core deposits | 134.3069% | 1,401 |
| Total domestic deposits to total assets | 68.5231% | 7,557 |
| Equity capital to assets | 6.6478% | 7,827 |
| Core capital (leverage) ratio | 6.6478% | 7,821 |
| Tier 1 risk-based capital ratio | 9.9057% | 7,032 |
| Total risk-based capital ratio | 10.6725% | 7,446 |
| Memoranda: | ||
| Average total assets | $68,154,000 | 6,171 |
| Average earning assets | $66,007,500 | 6,039 |
| Average equity | $4,213,500 | 7,381 |
| Average total loans | $48,249,000 | 5,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2651% | 640 |
| Cost of funding earning assets | 3.6132% | 372 |
| Net interest margin | 3.6518% | 4,669 |
| Noninterest income to average assets | 0.7816% | 2,614 |
| Noninterest expense to average assets | 5.0413% | 610 |
| Loan and lease loss provision to assets | 0.7132% | 2,070 |
| Net operating income to assets | -1.5671% | 7,494 |
| Return on assets (ROA) | -1.2603% | 7,314 |
| Pretax return on assets | -1.1509% | 7,090 |
| Return on Equity (ROE) | -15.1951% | 7,600 |
| Retained earnings to average equity (ytd only) | -15.1951% | 7,474 |
| Net charge-offs to loans | 1.0296% | 1,203 |
| Credit loss provision to net charge-offs | 81.4732% | 5,869 |
| Earnings coverage of net charge-offs (x) | -0.8504% | 6,569 |
| Efficiency ratio | 117.3261% | 605 |
| Assets per employee ($millions) | 6.3145% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2772% | 8,106 |
| Loan loss allowance to noncurrent loans | 19.2857% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 3,788 |
| Noncurrent loans to loans | 1.4374% | 3,644 |
| Net loans and leases to total assets | 69.9161% | 4,039 |
| Net loans and leases to deposits | 107.1960% | 1,025 |
| Net loans and leases to core deposits | 138.2931% | 1,357 |
| Total domestic deposits to total assets | 65.2226% | 7,706 |
| Equity capital to assets | 5.7343% | 8,103 |
| Core capital (leverage) ratio | 5.7343% | 8,138 |
| Tier 1 risk-based capital ratio | 11.2343% | 5,505 |
| Total risk-based capital ratio | 11.6151% | 6,225 |
| Memoranda: | ||
| Average total assets | $51,177,600 | 6,726 |
| Average earning assets | $49,263,200 | 6,625 |
| Average equity | $4,244,800 | 7,416 |
| Average total loans | $43,513,400 | 6,002 |