Home > Bank of Bearden > Performance and Condition Ratios
Bank of Bearden, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 2,456 |
| Cost of funding earning assets | 0.4044% | 4,287 |
| Net interest margin | 4.4037% | 704 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.7420% | 4,079 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.4637% | 248 |
| Return on assets (ROA) | 2.4637% | 241 |
| Pretax return on assets | 2.4637% | 351 |
| Return on Equity (ROE) | 33.6200% | 137 |
| Retained earnings to average equity (ytd only) | 9.8671% | 1,054 |
| Net charge-offs to loans | 0.0272% | 1,772 |
| Credit loss provision to net charge-offs | 225.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 229.2500% | 534 |
| Efficiency ratio | 41.1802% | 4,336 |
| Assets per employee ($millions) | 7.7716% | 1,553 |
| Cash dividends to net income (ytd only)* | 70.6498% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 1,720 |
| Loan loss allowance to noncurrent loans | 12,333.3333% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,779 |
| Noncurrent loans to loans | 0.0106% | 3,680 |
| Net loans and leases to total assets | 44.8700% | 3,867 |
| Net loans and leases to deposits | 49.8936% | 3,954 |
| Net loans and leases to core deposits | 54.1600% | 3,973 |
| Total domestic deposits to total assets | 89.9200% | 775 |
| Equity capital to assets | 8.9074% | 2,736 |
| Core capital (leverage) ratio | 10.6228% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $73,708,800 | 4,085 |
| Average earning assets | $69,736,400 | 4,037 |
| Average equity | $5,401,800 | 4,224 |
| Average total loans | $29,426,800 | 4,145 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 2,383 |
| Cost of funding earning assets | 0.3607% | 4,303 |
| Net interest margin | 4.3831% | 715 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.5632% | 4,268 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.6390% | 235 |
| Return on assets (ROA) | 2.6390% | 232 |
| Pretax return on assets | 2.6390% | 334 |
| Return on Equity (ROE) | 37.6600% | 135 |
| Retained earnings to average equity (ytd only) | 21.2374% | 222 |
| Net charge-offs to loans | -0.0045% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.1535% | 4,425 |
| Assets per employee ($millions) | 8.5735% | 1,093 |
| Cash dividends to net income (ytd only)* | 43.6016% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,262 |
| Loan loss allowance to noncurrent loans | 1,820.0000% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,515 |
| Noncurrent loans to loans | 0.0671% | 3,277 |
| Net loans and leases to total assets | 42.9100% | 3,957 |
| Net loans and leases to deposits | 46.7149% | 4,033 |
| Net loans and leases to core deposits | 49.7414% | 4,048 |
| Total domestic deposits to total assets | 91.8500% | 484 |
| Equity capital to assets | 8.0291% | 3,038 |
| Core capital (leverage) ratio | 9.3554% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $76,592,750 | 4,065 |
| Average earning assets | $72,458,000 | 4,026 |
| Average equity | $5,367,750 | 4,243 |
| Average total loans | $29,717,500 | 4,158 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 2,733 |
| Cost of funding earning assets | 0.3341% | 4,267 |
| Net interest margin | 4.1306% | 1,037 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.4459% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4880% | 251 |
| Return on assets (ROA) | 2.4880% | 247 |
| Pretax return on assets | 2.4880% | 365 |
| Return on Equity (ROE) | 37.0600% | 129 |
| Retained earnings to average equity (ytd only) | 18.9050% | 288 |
| Net charge-offs to loans | -0.0135% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.7543% | 4,457 |
| Assets per employee ($millions) | 9.9596% | 681 |
| Cash dividends to net income (ytd only)* | 48.9858% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,697 |
| Loan loss allowance to noncurrent loans | 1,340.7407% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,445 |
| Noncurrent loans to loans | 0.0860% | 3,076 |
| Net loans and leases to total assets | 38.9300% | 4,075 |
| Net loans and leases to deposits | 41.8456% | 4,163 |
| Net loans and leases to core deposits | 43.9571% | 4,179 |
| Total domestic deposits to total assets | 93.0400% | 248 |
| Equity capital to assets | 6.8903% | 3,855 |
| Core capital (leverage) ratio | 9.1083% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $79,261,000 | 4,053 |
| Average earning assets | $74,225,667 | 4,024 |
| Average equity | $5,321,333 | 4,265 |
| Average total loans | $29,692,333 | 4,168 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,887 |
| Cost of funding earning assets | 0.3348% | 4,120 |
| Net interest margin | 3.9309% | 1,406 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.3915% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3529% | 298 |
| Return on assets (ROA) | 2.3529% | 298 |
| Pretax return on assets | 2.3529% | 441 |
| Return on Equity (ROE) | 35.5200% | 154 |
| Retained earnings to average equity (ytd only) | 22.9139% | 247 |
| Net charge-offs to loans | -0.0139% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.1622% | 4,510 |
| Assets per employee ($millions) | 9.5038% | 801 |
| Cash dividends to net income (ytd only)* | 35.4839% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,196 |
| Loan loss allowance to noncurrent loans | 2,005.5556% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,557 |
| Noncurrent loans to loans | 0.0632% | 3,284 |
| Net loans and leases to total assets | 36.9900% | 4,155 |
| Net loans and leases to deposits | 39.8498% | 4,226 |
| Net loans and leases to core deposits | 43.0569% | 4,197 |
| Total domestic deposits to total assets | 92.8100% | 343 |
| Equity capital to assets | 7.1090% | 3,777 |
| Core capital (leverage) ratio | 8.9181% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7487% | 2,066 |
| Memoranda: | ||
| Average total assets | $79,053,000 | 4,112 |
| Average earning assets | $74,080,000 | 4,078 |
| Average equity | $5,237,000 | 4,330 |
| Average total loans | $28,847,000 | 4,243 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8569% | 4,276 |
| Cost of funding earning assets | 0.1689% | 4,008 |
| Net interest margin | 2.6881% | 4,073 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.5009% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0834% | 2,244 |
| Return on assets (ROA) | 1.0834% | 2,186 |
| Pretax return on assets | 1.0834% | 2,823 |
| Return on Equity (ROE) | 17.3000% | 811 |
| Retained earnings to average equity (ytd only) | 7.5780% | 1,995 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0776% | 3,330 |
| Assets per employee ($millions) | 10.2595% | 617 |
| Cash dividends to net income (ytd only)* | 56.1895% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,237 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,871 |
| Noncurrent loans to loans | 0.0137% | 3,738 |
| Net loans and leases to total assets | 35.1500% | 4,252 |
| Net loans and leases to deposits | 37.6774% | 4,302 |
| Net loans and leases to core deposits | 40.4427% | 4,267 |
| Total domestic deposits to total assets | 93.3000% | 345 |
| Equity capital to assets | 6.1760% | 4,029 |
| Core capital (leverage) ratio | 7.7941% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2925% | 2,241 |
| Memoranda: | ||
| Average total assets | $85,747,000 | 4,064 |
| Average earning assets | $80,541,600 | 4,028 |
| Average equity | $5,370,800 | 4,396 |
| Average total loans | $25,771,200 | 4,310 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4503% | 4,470 |
| Cost of funding earning assets | 0.1443% | 3,900 |
| Net interest margin | 2.3059% | 4,400 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.3231% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8985% | 2,869 |
| Return on assets (ROA) | 0.8985% | 2,849 |
| Pretax return on assets | 0.8985% | 3,318 |
| Return on Equity (ROE) | 14.3000% | 1,349 |
| Retained earnings to average equity (ytd only) | 9.6455% | 1,444 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5568% | 3,171 |
| Assets per employee ($millions) | 10.4904% | 564 |
| Cash dividends to net income (ytd only)* | 32.5342% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,504 |
| Loan loss allowance to noncurrent loans | 36,000.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,029 |
| Noncurrent loans to loans | 0.0033% | 3,939 |
| Net loans and leases to total assets | 35.1900% | 4,263 |
| Net loans and leases to deposits | 37.5019% | 4,326 |
| Net loans and leases to core deposits | 40.1574% | 4,272 |
| Total domestic deposits to total assets | 93.8400% | 383 |
| Equity capital to assets | 6.1032% | 3,921 |
| Core capital (leverage) ratio | 6.8706% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4511% | 687 |
| Memoranda: | ||
| Average total assets | $86,664,750 | 4,081 |
| Average earning assets | $81,295,500 | 4,056 |
| Average equity | $5,446,250 | 4,420 |
| Average total loans | $24,910,750 | 4,361 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9639% | 4,633 |
| Cost of funding earning assets | 0.1314% | 3,823 |
| Net interest margin | 1.8325% | 4,618 |
| Noninterest income to average assets | 0.0571% | 4,613 |
| Noninterest expense to average assets | 1.2674% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5093% | 3,867 |
| Return on assets (ROA) | 0.5093% | 3,824 |
| Pretax return on assets | 0.5093% | 3,981 |
| Return on Equity (ROE) | 8.0298% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.7530% | 2,798 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3368% | 1,791 |
| Assets per employee ($millions) | 11.7658% | 403 |
| Cash dividends to net income (ytd only)* | 40.8072% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,419 |
| 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 | 25.1865% | 4,577 |
| Net loans and leases to deposits | 26.6087% | 4,610 |
| Net loans and leases to core deposits | 28.0875% | 4,596 |
| Total domestic deposits to total assets | 94.6550% | 184 |
| Equity capital to assets | 5.3237% | 4,414 |
| Core capital (leverage) ratio | 6.9011% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9058% | 1,005 |
| Memoranda: | ||
| Average total assets | $87,578,667 | 4,107 |
| Average earning assets | $82,182,000 | 4,095 |
| Average equity | $5,554,333 | 4,459 |
| Average total loans | $23,249,333 | 4,444 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7936% | 4,667 |
| Cost of funding earning assets | 0.1310% | 3,758 |
| Net interest margin | 1.6626% | 4,655 |
| Noninterest income to average assets | 0.0569% | 4,642 |
| Noninterest expense to average assets | 1.3665% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2562% | 4,230 |
| Return on assets (ROA) | 0.2562% | 4,202 |
| Pretax return on assets | 0.2562% | 4,258 |
| Return on Equity (ROE) | 3.7075% | 3,947 |
| Retained earnings to average equity (ytd only) | 0.4119% | 3,937 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 830 |
| Assets per employee ($millions) | 10.7789% | 544 |
| Cash dividends to net income (ytd only)* | 88.8889% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,316 |
| 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 | 25.9698% | 4,563 |
| Net loans and leases to deposits | 27.7624% | 4,602 |
| Net loans and leases to core deposits | 29.4720% | 4,590 |
| Total domestic deposits to total assets | 93.5429% | 165 |
| Equity capital to assets | 6.4223% | 4,458 |
| Core capital (leverage) ratio | 6.1647% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1725% | 627 |
| Memoranda: | ||
| Average total assets | $84,305,000 | 4,168 |
| Average earning assets | $79,393,500 | 4,148 |
| Average equity | $5,826,000 | 4,484 |
| Average total loans | $22,840,500 | 4,469 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8025% | 4,715 |
| Cost of funding earning assets | 0.1510% | 3,967 |
| Net interest margin | 1.6515% | 4,698 |
| Noninterest income to average assets | 0.0585% | 4,708 |
| Noninterest expense to average assets | 1.3029% | 4,673 |
| Loan and lease loss provision to assets | 0.0082% | 2,918 |
| Net operating income to assets | 0.3090% | 4,410 |
| Return on assets (ROA) | 0.3090% | 4,434 |
| Pretax return on assets | 0.3090% | 4,487 |
| Return on Equity (ROE) | 4.2453% | 4,165 |
| Retained earnings to average equity (ytd only) | -0.2573% | 4,525 |
| Net charge-offs to loans | 0.0285% | 1,669 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 38.7143% | 1,459 |
| Efficiency ratio | 80.4191% | 780 |
| Assets per employee ($millions) | 10.2974% | 613 |
| Cash dividends to net income (ytd only)* | 106.0606% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,333 |
| 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 | 27.3941% | 4,584 |
| Net loans and leases to deposits | 29.6474% | 4,627 |
| Net loans and leases to core deposits | 31.3648% | 4,615 |
| Total domestic deposits to total assets | 92.3998% | 104 |
| Equity capital to assets | 7.4218% | 4,615 |
| Core capital (leverage) ratio | 7.2718% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0432% | 348 |
| Memoranda: | ||
| Average total assets | $85,426,600 | 4,147 |
| Average earning assets | $80,776,000 | 4,120 |
| Average equity | $6,218,600 | 4,511 |
| Average total loans | $24,583,200 | 4,484 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7984% | 4,795 |
| Cost of funding earning assets | 0.1490% | 4,115 |
| Net interest margin | 1.6493% | 4,781 |
| Noninterest income to average assets | 0.0603% | 4,779 |
| Noninterest expense to average assets | 1.2747% | 4,765 |
| Loan and lease loss provision to assets | 0.0104% | 2,786 |
| Net operating income to assets | 0.3326% | 4,471 |
| Return on assets (ROA) | 0.3326% | 4,499 |
| Pretax return on assets | 0.3326% | 4,566 |
| Return on Equity (ROE) | 4.5904% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.2810% | 4,355 |
| Net charge-offs to loans | 0.0373% | 1,338 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 31.7143% | 1,496 |
| Efficiency ratio | 78.7763% | 821 |
| Assets per employee ($millions) | 10.5911% | 544 |
| Cash dividends to net income (ytd only)* | 72.0930% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,524 |
| 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 | 27.4263% | 4,669 |
| Net loans and leases to deposits | 29.5660% | 4,710 |
| Net loans and leases to core deposits | 31.2167% | 4,701 |
| Total domestic deposits to total assets | 92.7628% | 50 |
| Equity capital to assets | 7.2277% | 4,770 |
| Core capital (leverage) ratio | 6.7971% | 4,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0954% | 422 |
| Memoranda: | ||
| Average total assets | $86,188,500 | 4,192 |
| Average earning assets | $81,405,750 | 4,161 |
| Average equity | $6,244,750 | 4,572 |
| Average total loans | $24,997,250 | 4,534 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8008% | 4,834 |
| Cost of funding earning assets | 0.1544% | 4,171 |
| Net interest margin | 1.6464% | 4,823 |
| Noninterest income to average assets | 0.0623% | 4,809 |
| Noninterest expense to average assets | 1.2830% | 4,796 |
| Loan and lease loss provision to assets | 0.0138% | 2,679 |
| Net operating income to assets | 0.3161% | 4,510 |
| Return on assets (ROA) | 0.3161% | 4,533 |
| Pretax return on assets | 0.3161% | 4,571 |
| Return on Equity (ROE) | 4.3596% | 4,260 |
| Retained earnings to average equity (ytd only) | -0.0955% | 4,523 |
| Net charge-offs to loans | 0.0550% | 1,072 |
| Credit loss provision to net charge-offs | 85.7143% | 1,457 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,525 |
| Efficiency ratio | 79.5422% | 813 |
| Assets per employee ($millions) | 11.4669% | 406 |
| Cash dividends to net income (ytd only)* | 102.1898% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,544 |
| Loan loss allowance to noncurrent loans | 18,000.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,319 |
| Noncurrent loans to loans | 0.0084% | 4,198 |
| Net loans and leases to total assets | 25.5224% | 4,760 |
| Net loans and leases to deposits | 27.4073% | 4,789 |
| Net loans and leases to core deposits | 28.7163% | 4,793 |
| Total domestic deposits to total assets | 93.1226% | 30 |
| Equity capital to assets | 6.8480% | 4,872 |
| Core capital (leverage) ratio | 6.9126% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0966% | 425 |
| Memoranda: | ||
| Average total assets | $86,675,000 | 4,208 |
| Average earning assets | $81,631,333 | 4,182 |
| Average equity | $6,285,000 | 4,595 |
| Average total loans | $25,463,333 | 4,557 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9537% | 4,845 |
| Cost of funding earning assets | 0.1628% | 4,219 |
| Net interest margin | 1.7908% | 4,812 |
| Noninterest income to average assets | 0.0713% | 4,793 |
| Noninterest expense to average assets | 1.3643% | 4,772 |
| Loan and lease loss provision to assets | 0.0143% | 2,600 |
| Net operating income to assets | 0.3660% | 4,420 |
| Return on assets (ROA) | 0.3660% | 4,451 |
| Pretax return on assets | 0.3660% | 4,533 |
| Return on Equity (ROE) | 4.8994% | 4,110 |
| Retained earnings to average equity (ytd only) | 1.6543% | 4,083 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2016% | 940 |
| Assets per employee ($millions) | 11.1055% | 440 |
| Cash dividends to net income (ytd only)* | 66.2338% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,808 |
| Loan loss allowance to noncurrent loans | 2,135.2941% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,236 |
| Noncurrent loans to loans | 0.0674% | 3,953 |
| Net loans and leases to total assets | 27.9794% | 4,748 |
| Net loans and leases to deposits | 30.1130% | 4,793 |
| Net loans and leases to core deposits | 31.5994% | 4,790 |
| Total domestic deposits to total assets | 92.9145% | 38 |
| Equity capital to assets | 7.0686% | 4,828 |
| Core capital (leverage) ratio | 7.4900% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8296% | 119 |
| Memoranda: | ||
| Average total assets | $84,145,000 | 4,254 |
| Average earning assets | $78,622,000 | 4,239 |
| Average equity | $6,286,500 | 4,609 |
| Average total loans | $26,308,500 | 4,563 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0774% | 4,580 |
| Cost of funding earning assets | 0.2527% | 4,362 |
| Net interest margin | 2.8247% | 4,227 |
| Noninterest income to average assets | 0.0432% | 4,873 |
| Noninterest expense to average assets | 1.7714% | 4,517 |
| Loan and lease loss provision to assets | 0.0416% | 3,878 |
| Net operating income to assets | 0.8265% | 2,991 |
| Return on assets (ROA) | 0.8265% | 3,114 |
| Pretax return on assets | 0.8265% | 3,560 |
| Return on Equity (ROE) | 8.1350% | 2,761 |
| Retained earnings to average equity (ytd only) | 0.6621% | 4,325 |
| Net charge-offs to loans | -0.0315% | 4,550 |
| Credit loss provision to net charge-offs | -277.7778% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1117% | 2,347 |
| Assets per employee ($millions) | 11.3494% | 370 |
| Cash dividends to net income (ytd only)* | 91.8605% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,347 |
| Loan loss allowance to noncurrent loans | 1,636.3636% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,227 |
| Noncurrent loans to loans | 0.0803% | 3,967 |
| Net loans and leases to total assets | 34.0307% | 4,645 |
| Net loans and leases to deposits | 37.0808% | 4,716 |
| Net loans and leases to core deposits | 39.1593% | 4,717 |
| Total domestic deposits to total assets | 91.7743% | 91 |
| Equity capital to assets | 7.9211% | 4,740 |
| Core capital (leverage) ratio | 8.1121% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,435,400 | 4,477 |
| Average earning assets | $57,386,400 | 4,477 |
| Average equity | $6,343,000 | 4,601 |
| Average total loans | $28,545,600 | 4,542 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 4,379 |
| Cost of funding earning assets | 0.2772% | 4,404 |
| Net interest margin | 3.0990% | 3,740 |
| Noninterest income to average assets | 0.0367% | 4,919 |
| Noninterest expense to average assets | 1.8264% | 4,447 |
| Loan and lease loss provision to assets | 0.0412% | 3,834 |
| Net operating income to assets | 1.0129% | 2,289 |
| Return on assets (ROA) | 1.0129% | 2,420 |
| Pretax return on assets | 1.0129% | 3,022 |
| Return on Equity (ROE) | 9.2726% | 2,296 |
| Retained earnings to average equity (ytd only) | 3.6713% | 3,214 |
| Net charge-offs to loans | -0.0185% | 4,390 |
| Credit loss provision to net charge-offs | -450.0000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4049% | 2,846 |
| Assets per employee ($millions) | 9.6131% | 576 |
| Cash dividends to net income (ytd only)* | 60.4072% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,311 |
| Loan loss allowance to noncurrent loans | 1,938.8889% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,329 |
| Noncurrent loans to loans | 0.0654% | 4,107 |
| Net loans and leases to total assets | 40.3882% | 4,557 |
| Net loans and leases to deposits | 44.6676% | 4,640 |
| Net loans and leases to core deposits | 47.9414% | 4,625 |
| Total domestic deposits to total assets | 90.4194% | 303 |
| Equity capital to assets | 9.5687% | 3,632 |
| Core capital (leverage) ratio | 10.2525% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,182,750 | 4,552 |
| Average earning assets | $53,393,000 | 4,551 |
| Average equity | $6,355,500 | 4,624 |
| Average total loans | $28,833,000 | 4,559 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 4,152 |
| Cost of funding earning assets | 0.2933% | 4,503 |
| Net interest margin | 3.3695% | 3,190 |
| Noninterest income to average assets | 0.0326% | 4,950 |
| Noninterest expense to average assets | 1.9621% | 4,308 |
| Loan and lease loss provision to assets | 0.0399% | 3,780 |
| Net operating income to assets | 1.1134% | 1,919 |
| Return on assets (ROA) | 1.1134% | 2,040 |
| Pretax return on assets | 1.1134% | 2,674 |
| Return on Equity (ROE) | 9.7034% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.1432% | 1,598 |
| Net charge-offs to loans | -0.0068% | 4,101 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9802% | 2,957 |
| Assets per employee ($millions) | 8.8980% | 702 |
| Cash dividends to net income (ytd only)* | 26.3844% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,650 |
| Loan loss allowance to noncurrent loans | 864.1026% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,219 |
| Noncurrent loans to loans | 0.1357% | 3,914 |
| Net loans and leases to total assets | 45.5961% | 4,383 |
| Net loans and leases to deposits | 50.9527% | 4,489 |
| Net loans and leases to core deposits | 54.2544% | 4,492 |
| Total domestic deposits to total assets | 89.4872% | 574 |
| Equity capital to assets | 10.4759% | 2,761 |
| Core capital (leverage) ratio | 10.6337% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,146,333 | 4,609 |
| Average earning assets | $50,452,667 | 4,610 |
| Average equity | $6,327,667 | 4,648 |
| Average total loans | $29,268,333 | 4,576 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,561 |
| Cost of funding earning assets | 0.3242% | 4,583 |
| Net interest margin | 3.7628% | 2,102 |
| Noninterest income to average assets | 0.0233% | 5,015 |
| Noninterest expense to average assets | 2.1638% | 4,090 |
| Loan and lease loss provision to assets | 0.0233% | 3,515 |
| Net operating income to assets | 1.2564% | 1,364 |
| Return on assets (ROA) | 1.2564% | 1,463 |
| Pretax return on assets | 1.2564% | 2,012 |
| Return on Equity (ROE) | 10.4030% | 1,611 |
| Retained earnings to average equity (ytd only) | 5.2015% | 2,195 |
| Net charge-offs to loans | -0.0135% | 4,187 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8378% | 3,393 |
| Assets per employee ($millions) | 6.9150% | 1,134 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,237 |
| Loan loss allowance to noncurrent loans | 702.1277% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 4,180 |
| Noncurrent loans to loans | 0.1559% | 3,900 |
| Net loans and leases to total assets | 53.8847% | 3,996 |
| Net loans and leases to deposits | 60.8297% | 4,168 |
| Net loans and leases to core deposits | 65.9141% | 4,088 |
| Total domestic deposits to total assets | 88.5828% | 845 |
| Equity capital to assets | 11.3684% | 2,542 |
| Core capital (leverage) ratio | 12.4446% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,576,500 | 4,685 |
| Average earning assets | $46,880,000 | 4,694 |
| Average equity | $6,229,000 | 4,693 |
| Average total loans | $29,534,000 | 4,604 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 3,488 |
| Cost of funding earning assets | 0.3686% | 4,542 |
| Net interest margin | 3.9494% | 2,003 |
| Noninterest income to average assets | 0.0767% | 4,981 |
| Noninterest expense to average assets | 2.0058% | 4,520 |
| Loan and lease loss provision to assets | 0.0786% | 2,423 |
| Net operating income to assets | 1.5053% | 1,037 |
| Return on assets (ROA) | 1.5053% | 1,106 |
| Pretax return on assets | 1.5053% | 1,792 |
| Return on Equity (ROE) | 12.5862% | 1,306 |
| Retained earnings to average equity (ytd only) | 0.2084% | 4,627 |
| Net charge-offs to loans | 0.1467% | 1,344 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 20.1463% | 1,953 |
| Efficiency ratio | 55.8761% | 4,218 |
| Assets per employee ($millions) | 5.9791% | 1,650 |
| Cash dividends to net income (ytd only)* | 98.3439% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 2,797 |
| Loan loss allowance to noncurrent loans | 374.7126% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 3,743 |
| Noncurrent loans to loans | 0.3007% | 3,355 |
| Net loans and leases to total assets | 59.7976% | 3,604 |
| Net loans and leases to deposits | 68.7209% | 3,755 |
| Net loans and leases to core deposits | 75.5614% | 3,608 |
| Total domestic deposits to total assets | 87.0152% | 1,598 |
| Equity capital to assets | 12.8970% | 1,584 |
| Core capital (leverage) ratio | 12.7959% | 1,334 |
| Tier 1 risk-based capital ratio | 19.5753% | 1,396 |
| Total risk-based capital ratio | 20.6163% | 1,407 |
| Memoranda: | ||
| Average total assets | $52,148,000 | 4,714 |
| Average earning assets | $46,386,800 | 4,742 |
| Average equity | $6,237,000 | 4,731 |
| Average total loans | $27,951,800 | 4,683 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 3,684 |
| Cost of funding earning assets | 0.3636% | 4,619 |
| Net interest margin | 3.9258% | 2,172 |
| Noninterest income to average assets | 0.0827% | 5,040 |
| Noninterest expense to average assets | 1.9564% | 4,634 |
| Loan and lease loss provision to assets | 0.0225% | 3,461 |
| Net operating income to assets | 1.5931% | 948 |
| Return on assets (ROA) | 1.5931% | 991 |
| Pretax return on assets | 1.5931% | 1,662 |
| Return on Equity (ROE) | 13.5590% | 1,093 |
| Retained earnings to average equity (ytd only) | 5.9480% | 2,397 |
| Net charge-offs to loans | -0.0048% | 4,195 |
| Credit loss provision to net charge-offs | -900.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7686% | 4,307 |
| Assets per employee ($millions) | 6.7971% | 1,116 |
| Cash dividends to net income (ytd only)* | 56.1322% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,610 |
| Loan loss allowance to noncurrent loans | 310.1852% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 3,769 |
| Noncurrent loans to loans | 0.3808% | 3,188 |
| Net loans and leases to total assets | 51.5383% | 4,339 |
| Net loans and leases to deposits | 58.5000% | 4,455 |
| Net loans and leases to core deposits | 63.4753% | 4,399 |
| Total domestic deposits to total assets | 88.0997% | 997 |
| Equity capital to assets | 11.8396% | 2,384 |
| Core capital (leverage) ratio | 12.4074% | 1,620 |
| Tier 1 risk-based capital ratio | 13.1875% | 3,743 |
| Total risk-based capital ratio | 13.8804% | 3,940 |
| Memoranda: | ||
| Average total assets | $53,226,750 | 4,765 |
| Average earning assets | $47,309,500 | 4,789 |
| Average equity | $6,254,000 | 4,792 |
| Average total loans | $27,707,500 | 4,755 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 3,615 |
| Cost of funding earning assets | 0.3743% | 4,602 |
| Net interest margin | 3.9339% | 2,140 |
| Noninterest income to average assets | 0.0795% | 5,100 |
| Noninterest expense to average assets | 1.9643% | 4,665 |
| Loan and lease loss provision to assets | 0.0227% | 3,353 |
| Net operating income to assets | 1.5934% | 924 |
| Return on assets (ROA) | 1.5934% | 969 |
| Pretax return on assets | 1.5934% | 1,564 |
| Return on Equity (ROE) | 13.5967% | 1,077 |
| Retained earnings to average equity (ytd only) | 4.8767% | 2,830 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8626% | 4,373 |
| Assets per employee ($millions) | 6.6163% | 1,180 |
| Cash dividends to net income (ytd only)* | 64.1330% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,393 |
| Loan loss allowance to noncurrent loans | 274.3802% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 3,657 |
| Noncurrent loans to loans | 0.4462% | 2,934 |
| Net loans and leases to total assets | 50.6065% | 4,439 |
| Net loans and leases to deposits | 57.5387% | 4,537 |
| Net loans and leases to core deposits | 63.0853% | 4,449 |
| Total domestic deposits to total assets | 87.9520% | 1,122 |
| Equity capital to assets | 11.9573% | 2,218 |
| Core capital (leverage) ratio | 11.7866% | 1,956 |
| Tier 1 risk-based capital ratio | 19.1051% | 1,530 |
| Total risk-based capital ratio | 20.1170% | 1,553 |
| Memoranda: | ||
| Average total assets | $52,843,330 | 4,805 |
| Average earning assets | $47,026,670 | 4,833 |
| Average equity | $6,192,670 | 4,830 |
| Average total loans | $27,490,000 | 4,798 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 3,605 |
| Cost of funding earning assets | 0.3848% | 4,554 |
| Net interest margin | 3.8994% | 2,189 |
| Noninterest income to average assets | 0.0833% | 5,137 |
| Noninterest expense to average assets | 2.0076% | 4,625 |
| Loan and lease loss provision to assets | 0.0227% | 3,142 |
| Net operating income to assets | 1.5076% | 1,097 |
| Return on assets (ROA) | 1.5076% | 1,125 |
| Pretax return on assets | 1.5076% | 1,737 |
| Return on Equity (ROE) | 12.9970% | 1,219 |
| Retained earnings to average equity (ytd only) | 6.7271% | 2,148 |
| Net charge-offs to loans | -0.0289% | 4,631 |
| Credit loss provision to net charge-offs | -150.0000% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7452% | 4,248 |
| Assets per employee ($millions) | 6.5551% | 1,215 |
| Cash dividends to net income (ytd only)* | 48.2412% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,475 |
| Loan loss allowance to noncurrent loans | 408.6420% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,034 |
| Noncurrent loans to loans | 0.2985% | 3,491 |
| Net loans and leases to total assets | 51.1203% | 4,396 |
| Net loans and leases to deposits | 58.0197% | 4,501 |
| Net loans and leases to core deposits | 64.3773% | 4,359 |
| Total domestic deposits to total assets | 88.1085% | 1,280 |
| Equity capital to assets | 11.8247% | 2,138 |
| Core capital (leverage) ratio | 12.1717% | 1,683 |
| Tier 1 risk-based capital ratio | 18.9424% | 1,555 |
| Total risk-based capital ratio | 19.9536% | 1,569 |
| Memoranda: | ||
| Average total assets | $52,800,000 | 4,858 |
| Average earning assets | $46,776,500 | 4,892 |
| Average equity | $6,124,500 | 4,876 |
| Average total loans | $27,676,000 | 4,849 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 4,185 |
| Cost of funding earning assets | 0.3363% | 4,371 |
| Net interest margin | 3.6074% | 3,354 |
| Noninterest income to average assets | 0.0865% | 5,190 |
| Noninterest expense to average assets | 1.7774% | 5,023 |
| Loan and lease loss provision to assets | 0.0611% | 2,937 |
| Net operating income to assets | 1.4501% | 1,276 |
| Return on assets (ROA) | 1.4501% | 1,263 |
| Pretax return on assets | 1.4501% | 1,954 |
| Return on Equity (ROE) | 13.9151% | 1,067 |
| Retained earnings to average equity (ytd only) | 0.3418% | 4,897 |
| Net charge-offs to loans | 0.0371% | 2,661 |
| Credit loss provision to net charge-offs | 360.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 89.1000% | 801 |
| Efficiency ratio | 54.0485% | 4,616 |
| Assets per employee ($millions) | 6.6449% | 1,144 |
| Cash dividends to net income (ytd only)* | 97.5439% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,800 |
| Loan loss allowance to noncurrent loans | 223.2877% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,480 |
| Noncurrent loans to loans | 0.5175% | 2,729 |
| Net loans and leases to total assets | 52.4596% | 4,386 |
| Net loans and leases to deposits | 59.9051% | 4,484 |
| Net loans and leases to core deposits | 66.3929% | 4,330 |
| Total domestic deposits to total assets | 87.5712% | 1,496 |
| Equity capital to assets | 11.3772% | 2,347 |
| Core capital (leverage) ratio | 11.6269% | 2,007 |
| Tier 1 risk-based capital ratio | 18.4256% | 1,637 |
| Total risk-based capital ratio | 19.4077% | 1,661 |
| Memoranda: | ||
| Average total assets | $58,961,800 | 4,781 |
| Average earning assets | $52,337,000 | 4,810 |
| Average equity | $6,144,400 | 4,873 |
| Average total loans | $26,947,000 | 4,889 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 4,344 |
| Cost of funding earning assets | 0.3174% | 4,397 |
| Net interest margin | 3.5213% | 3,629 |
| Noninterest income to average assets | 0.0861% | 5,257 |
| Noninterest expense to average assets | 1.6817% | 5,152 |
| Loan and lease loss provision to assets | 0.0397% | 3,207 |
| Net operating income to assets | 1.4985% | 1,197 |
| Return on assets (ROA) | 1.4985% | 1,193 |
| Pretax return on assets | 1.4985% | 1,897 |
| Return on Equity (ROE) | 14.6763% | 940 |
| Retained earnings to average equity (ytd only) | 7.4138% | 1,921 |
| Net charge-offs to loans | 0.0401% | 2,288 |
| Credit loss provision to net charge-offs | 225.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 87.0956% | 838 |
| Efficiency ratio | 52.2276% | 4,786 |
| Assets per employee ($millions) | 6.9845% | 939 |
| Cash dividends to net income (ytd only)* | 49.4847% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,058 |
| Loan loss allowance to noncurrent loans | 340.6593% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 4,146 |
| Noncurrent loans to loans | 0.3297% | 3,489 |
| Net loans and leases to total assets | 48.8474% | 4,673 |
| Net loans and leases to deposits | 55.1082% | 4,787 |
| Net loans and leases to core deposits | 60.5296% | 4,681 |
| Total domestic deposits to total assets | 88.6391% | 985 |
| Equity capital to assets | 11.3054% | 2,392 |
| Core capital (leverage) ratio | 9.7408% | 3,907 |
| Tier 1 risk-based capital ratio | 16.2872% | 2,341 |
| Total risk-based capital ratio | 17.0714% | 2,455 |
| Memoranda: | ||
| Average total assets | $60,412,500 | 4,805 |
| Average earning assets | $53,767,000 | 4,841 |
| Average equity | $6,168,500 | 4,924 |
| Average total loans | $26,630,500 | 4,951 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 4,853 |
| Cost of funding earning assets | 0.2977% | 4,431 |
| Net interest margin | 3.2495% | 4,383 |
| Noninterest income to average assets | 0.0807% | 5,320 |
| Noninterest expense to average assets | 1.6795% | 5,211 |
| Loan and lease loss provision to assets | 0.0388% | 3,133 |
| Net operating income to assets | 1.2887% | 1,824 |
| Return on assets (ROA) | 1.2887% | 1,821 |
| Pretax return on assets | 1.2887% | 2,561 |
| Return on Equity (ROE) | 13.0413% | 1,356 |
| Retained earnings to average equity (ytd only) | 5.6218% | 2,760 |
| Net charge-offs to loans | 0.0228% | 2,416 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 557 |
| Efficiency ratio | 55.8539% | 4,495 |
| Assets per employee ($millions) | 8.2206% | 581 |
| Cash dividends to net income (ytd only)* | 56.8922% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,640 |
| Loan loss allowance to noncurrent loans | 1,236.0000% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,838 |
| Noncurrent loans to loans | 0.0982% | 4,472 |
| Net loans and leases to total assets | 38.2346% | 5,117 |
| Net loans and leases to deposits | 42.2264% | 5,185 |
| Net loans and leases to core deposits | 44.8249% | 5,179 |
| Total domestic deposits to total assets | 90.5466% | 385 |
| Equity capital to assets | 9.3895% | 4,196 |
| Core capital (leverage) ratio | 9.8747% | 3,709 |
| Tier 1 risk-based capital ratio | 16.8175% | 2,158 |
| Total risk-based capital ratio | 17.6450% | 2,243 |
| Memoranda: | ||
| Average total assets | $61,924,670 | 4,833 |
| Average earning assets | $55,762,670 | 4,862 |
| Average equity | $6,119,000 | 4,987 |
| Average total loans | $26,306,000 | 5,015 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 4,990 |
| Cost of funding earning assets | 0.2979% | 4,365 |
| Net interest margin | 3.1243% | 4,656 |
| Noninterest income to average assets | 0.0867% | 5,375 |
| Noninterest expense to average assets | 1.8732% | 5,064 |
| Loan and lease loss provision to assets | 0.0400% | 2,954 |
| Net operating income to assets | 1.0399% | 2,691 |
| Return on assets (ROA) | 1.0399% | 2,709 |
| Pretax return on assets | 1.0399% | 3,397 |
| Return on Equity (ROE) | 10.2446% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.1223% | 3,113 |
| Net charge-offs to loans | 0.0299% | 1,899 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 699 |
| Efficiency ratio | 63.4312% | 3,572 |
| Assets per employee ($millions) | 8.1165% | 602 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,889 |
| Loan loss allowance to noncurrent loans | 544.6429% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,658 |
| Noncurrent loans to loans | 0.2179% | 3,995 |
| Net loans and leases to total assets | 39.1163% | 5,101 |
| Net loans and leases to deposits | 43.2103% | 5,181 |
| Net loans and leases to core deposits | 45.0856% | 5,185 |
| Total domestic deposits to total assets | 90.5255% | 466 |
| Equity capital to assets | 9.4145% | 4,167 |
| Core capital (leverage) ratio | 10.6442% | 2,803 |
| Tier 1 risk-based capital ratio | 14.5463% | 3,100 |
| Total risk-based capital ratio | 15.2650% | 3,287 |
| Memoranda: | ||
| Average total assets | $60,004,500 | 4,927 |
| Average earning assets | $55,053,000 | 4,935 |
| Average equity | $6,091,000 | 5,040 |
| Average total loans | $26,732,000 | 5,054 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,181 |
| Cost of funding earning assets | 0.2839% | 4,283 |
| Net interest margin | 3.7831% | 2,489 |
| Noninterest income to average assets | 0.1189% | 5,346 |
| Noninterest expense to average assets | 1.9361% | 5,069 |
| Loan and lease loss provision to assets | 0.0443% | 3,355 |
| Net operating income to assets | 1.3599% | 1,096 |
| Return on assets (ROA) | 1.3599% | 1,118 |
| Pretax return on assets | 1.3599% | 2,126 |
| Return on Equity (ROE) | 11.0561% | 1,459 |
| Retained earnings to average equity (ytd only) | 1.3431% | 4,471 |
| Net charge-offs to loans | 0.0983% | 2,096 |
| Credit loss provision to net charge-offs | 78.5714% | 2,963 |
| Earnings coverage of net charge-offs (x) | 24.8929% | 1,738 |
| Efficiency ratio | 57.9614% | 4,531 |
| Assets per employee ($millions) | 6.8846% | 1,024 |
| Cash dividends to net income (ytd only)* | 87.8519% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,444 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,978 |
| Noncurrent loans to loans | 0.0648% | 4,699 |
| Net loans and leases to total assets | 49.8575% | 4,653 |
| Net loans and leases to deposits | 56.0671% | 4,794 |
| Net loans and leases to core deposits | 59.3255% | 4,788 |
| Total domestic deposits to total assets | 88.9246% | 1,036 |
| Equity capital to assets | 11.0191% | 2,605 |
| Core capital (leverage) ratio | 11.4559% | 1,969 |
| Tier 1 risk-based capital ratio | 14.0318% | 3,345 |
| Total risk-based capital ratio | 14.7225% | 3,554 |
| Memoranda: | ||
| Average total assets | $49,636,400 | 5,165 |
| Average earning assets | $42,266,800 | 5,228 |
| Average equity | $6,105,200 | 5,085 |
| Average total loans | $28,494,400 | 5,057 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 3,746 |
| Cost of funding earning assets | 0.2391% | 4,659 |
| Net interest margin | 3.6387% | 3,001 |
| Noninterest income to average assets | 0.1160% | 5,415 |
| Noninterest expense to average assets | 1.9692% | 5,018 |
| Loan and lease loss provision to assets | 0.0249% | 3,644 |
| Net operating income to assets | 1.4002% | 1,088 |
| Return on assets (ROA) | 1.4002% | 1,112 |
| Pretax return on assets | 1.4002% | 2,116 |
| Return on Equity (ROE) | 11.0558% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.3644% | 2,632 |
| Net charge-offs to loans | 0.0046% | 3,567 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 517.2782% | 197 |
| Efficiency ratio | 58.0146% | 4,503 |
| Assets per employee ($millions) | 6.3100% | 1,302 |
| Cash dividends to net income (ytd only)* | 51.4793% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,272 |
| Loan loss allowance to noncurrent loans | 682.6087% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 4,780 |
| Noncurrent loans to loans | 0.1666% | 4,396 |
| Net loans and leases to total assets | 54.0848% | 4,409 |
| Net loans and leases to deposits | 61.7497% | 4,531 |
| Net loans and leases to core deposits | 65.7357% | 4,500 |
| Total domestic deposits to total assets | 87.5872% | 1,591 |
| Equity capital to assets | 12.3792% | 1,731 |
| Core capital (leverage) ratio | 12.3868% | 1,467 |
| Tier 1 risk-based capital ratio | 55.0282% | 102 |
| Total risk-based capital ratio | 56.2962% | 99 |
| Memoranda: | ||
| Average total assets | $48,276,250 | 5,243 |
| Average earning assets | $43,494,500 | 5,253 |
| Average equity | $6,114,250 | 5,144 |
| Average total loans | $28,678,000 | 5,107 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,568 |
| Cost of funding earning assets | 0.2387% | 4,650 |
| Net interest margin | 3.6551% | 2,817 |
| Noninterest income to average assets | 0.1052% | 5,498 |
| Noninterest expense to average assets | 2.0403% | 4,895 |
| Loan and lease loss provision to assets | 0.0252% | 3,496 |
| Net operating income to assets | 1.3252% | 1,236 |
| Return on assets (ROA) | 1.3252% | 1,263 |
| Pretax return on assets | 1.3252% | 2,287 |
| Return on Equity (ROE) | 10.3801% | 1,885 |
| Retained earnings to average equity (ytd only) | 3.9214% | 3,360 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1737% | 4,292 |
| Assets per employee ($millions) | 6.2056% | 1,319 |
| Cash dividends to net income (ytd only)* | 62.2222% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 3,451 |
| Loan loss allowance to noncurrent loans | 760.9756% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,866 |
| Noncurrent loans to loans | 0.1476% | 4,521 |
| Net loans and leases to total assets | 55.3107% | 4,288 |
| Net loans and leases to deposits | 63.1328% | 4,425 |
| Net loans and leases to core deposits | 64.4729% | 4,572 |
| Total domestic deposits to total assets | 87.6100% | 1,654 |
| Equity capital to assets | 12.3356% | 1,709 |
| Core capital (leverage) ratio | 13.0209% | 1,170 |
| Tier 1 risk-based capital ratio | 20.1031% | 1,352 |
| Total risk-based capital ratio | 21.1273% | 1,356 |
| Memoranda: | ||
| Average total assets | $47,541,670 | 5,300 |
| Average earning assets | $42,734,670 | 5,316 |
| Average equity | $6,069,330 | 5,179 |
| Average total loans | $29,032,000 | 5,144 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,207 |
| Cost of funding earning assets | 0.2226% | 4,779 |
| Net interest margin | 3.7269% | 2,389 |
| Noninterest income to average assets | 0.1119% | 5,551 |
| Noninterest expense to average assets | 2.1510% | 4,750 |
| Loan and lease loss provision to assets | 0.0258% | 3,238 |
| Net operating income to assets | 1.2476% | 1,382 |
| Return on assets (ROA) | 1.2476% | 1,417 |
| Pretax return on assets | 1.2476% | 2,422 |
| Return on Equity (ROE) | 9.5995% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.7597% | 2,466 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8141% | 4,018 |
| Assets per employee ($millions) | 5.9563% | 1,538 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 4,052 |
| Loan loss allowance to noncurrent loans | 735.7143% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,924 |
| Noncurrent loans to loans | 0.1409% | 4,627 |
| Net loans and leases to total assets | 61.9035% | 3,549 |
| Net loans and leases to deposits | 71.0377% | 3,692 |
| Net loans and leases to core deposits | 72.5259% | 3,945 |
| Total domestic deposits to total assets | 87.1417% | 2,139 |
| Equity capital to assets | 12.7786% | 1,364 |
| Core capital (leverage) ratio | 13.8004% | 893 |
| Tier 1 risk-based capital ratio | 49.2120% | 135 |
| Total risk-based capital ratio | 50.4809% | 134 |
| Memoranda: | ||
| Average total assets | $46,490,000 | 5,380 |
| Average earning assets | $41,321,000 | 5,401 |
| Average equity | $6,042,000 | 5,232 |
| Average total loans | $29,662,500 | 5,172 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,280 |
| Cost of funding earning assets | 0.1803% | 5,211 |
| Net interest margin | 3.7968% | 2,328 |
| Noninterest income to average assets | 0.1251% | 5,559 |
| Noninterest expense to average assets | 2.2058% | 4,757 |
| Loan and lease loss provision to assets | 0.0268% | 3,818 |
| Net operating income to assets | 1.3275% | 1,150 |
| Return on assets (ROA) | 1.3409% | 1,173 |
| Pretax return on assets | 1.3409% | 2,137 |
| Return on Equity (ROE) | 9.9252% | 1,990 |
| Retained earnings to average equity (ytd only) | 0.4797% | 5,136 |
| Net charge-offs to loans | 0.0107% | 3,908 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 337 |
| Efficiency ratio | 61.9586% | 4,258 |
| Assets per employee ($millions) | 5.6663% | 1,729 |
| Cash dividends to net income (ytd only)* | 95.1667% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,098 |
| Loan loss allowance to noncurrent loans | 368.6747% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 4,590 |
| Noncurrent loans to loans | 0.2812% | 4,150 |
| Net loans and leases to total assets | 64.4452% | 3,298 |
| Net loans and leases to deposits | 74.9628% | 3,420 |
| Net loans and leases to core deposits | 75.5483% | 3,789 |
| Total domestic deposits to total assets | 85.9696% | 2,597 |
| Equity capital to assets | 13.2252% | 1,165 |
| Core capital (leverage) ratio | 13.9925% | 817 |
| Tier 1 risk-based capital ratio | 19.1071% | 1,569 |
| Total risk-based capital ratio | 20.0794% | 1,607 |
| Memoranda: | ||
| Average total assets | $44,746,400 | 5,449 |
| Average earning assets | $40,481,800 | 5,459 |
| Average equity | $6,045,200 | 5,274 |
| Average total loans | $28,024,000 | 5,269 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 3,452 |
| Cost of funding earning assets | 0.1742% | 5,313 |
| Net interest margin | 3.7670% | 2,464 |
| Noninterest income to average assets | 0.1196% | 5,645 |
| Noninterest expense to average assets | 2.1584% | 4,873 |
| Loan and lease loss provision to assets | 0.0269% | 3,704 |
| Net operating income to assets | 1.3602% | 1,145 |
| Return on assets (ROA) | 1.3781% | 1,173 |
| Pretax return on assets | 1.3781% | 2,132 |
| Return on Equity (ROE) | 10.1465% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.8861% | 2,902 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8769% | 4,413 |
| Assets per employee ($millions) | 5.3504% | 2,004 |
| Cash dividends to net income (ytd only)* | 51.8441% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 4,153 |
| Loan loss allowance to noncurrent loans | 1,173.0769% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 5,203 |
| Noncurrent loans to loans | 0.0891% | 4,987 |
| Net loans and leases to total assets | 67.4672% | 2,881 |
| Net loans and leases to deposits | 79.8330% | 2,987 |
| Net loans and leases to core deposits | 80.5051% | 3,397 |
| Total domestic deposits to total assets | 84.5104% | 3,026 |
| Equity capital to assets | 14.4569% | 888 |
| Core capital (leverage) ratio | 14.2167% | 790 |
| Tier 1 risk-based capital ratio | 36.5642% | 302 |
| Total risk-based capital ratio | 37.8238% | 298 |
| Memoranda: | ||
| Average total assets | $44,600,500 | 5,503 |
| Average earning assets | $40,562,000 | 5,510 |
| Average equity | $6,057,750 | 5,327 |
| Average total loans | $27,650,250 | 5,328 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,865 |
| Cost of funding earning assets | 0.1752% | 5,366 |
| Net interest margin | 3.6510% | 2,894 |
| Noninterest income to average assets | 0.1106% | 5,739 |
| Noninterest expense to average assets | 2.1460% | 4,963 |
| Loan and lease loss provision to assets | 0.0265% | 3,600 |
| Net operating income to assets | 1.2566% | 1,400 |
| Return on assets (ROA) | 1.2788% | 1,448 |
| Pretax return on assets | 1.2788% | 2,489 |
| Return on Equity (ROE) | 9.6104% | 2,221 |
| Retained earnings to average equity (ytd only) | 3.7577% | 3,501 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5806% | 4,257 |
| Assets per employee ($millions) | 5.4624% | 1,829 |
| Cash dividends to net income (ytd only)* | 60.8997% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 4,112 |
| Loan loss allowance to noncurrent loans | 126.7782% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 3,302 |
| Noncurrent loans to loans | 0.8432% | 2,636 |
| Net loans and leases to total assets | 64.1662% | 3,338 |
| Net loans and leases to deposits | 74.5804% | 3,518 |
| Net loans and leases to core deposits | 75.1823% | 3,895 |
| Total domestic deposits to total assets | 86.0363% | 2,405 |
| Equity capital to assets | 13.9202% | 1,055 |
| Core capital (leverage) ratio | 13.4642% | 996 |
| Tier 1 risk-based capital ratio | 19.3222% | 1,619 |
| Total risk-based capital ratio | 20.2846% | 1,657 |
| Memoranda: | ||
| Average total assets | $45,199,670 | 5,556 |
| Average earning assets | $41,085,000 | 5,561 |
| Average equity | $6,014,330 | 5,385 |
| Average total loans | $27,139,330 | 5,400 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,343 |
| Cost of funding earning assets | 0.1718% | 5,450 |
| Net interest margin | 3.5226% | 3,379 |
| Noninterest income to average assets | 0.1219% | 5,730 |
| Noninterest expense to average assets | 2.2024% | 4,900 |
| Loan and lease loss provision to assets | 0.0261% | 3,330 |
| Net operating income to assets | 1.1055% | 1,878 |
| Return on assets (ROA) | 1.1491% | 1,828 |
| Pretax return on assets | 1.1491% | 2,895 |
| Return on Equity (ROE) | 8.8294% | 2,506 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,305 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0574% | 3,793 |
| Assets per employee ($millions) | 5.8363% | 1,543 |
| Cash dividends to net income (ytd only)* | 50.7576% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,859 |
| Loan loss allowance to noncurrent loans | 238.0952% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 4,476 |
| Noncurrent loans to loans | 0.4768% | 3,753 |
| Net loans and leases to total assets | 55.9606% | 4,260 |
| Net loans and leases to deposits | 64.2676% | 4,422 |
| Net loans and leases to core deposits | 64.7470% | 4,640 |
| Total domestic deposits to total assets | 87.0743% | 2,175 |
| Equity capital to assets | 12.9000% | 1,459 |
| Core capital (leverage) ratio | 13.5739% | 957 |
| Tier 1 risk-based capital ratio | 16.5201% | 2,473 |
| Total risk-based capital ratio | 17.3445% | 2,587 |
| Memoranda: | ||
| Average total assets | $45,950,000 | 5,592 |
| Average earning assets | $41,901,000 | 5,595 |
| Average equity | $5,980,000 | 5,426 |
| Average total loans | $26,537,500 | 5,464 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,424 |
| Cost of funding earning assets | 0.1779% | 5,480 |
| Net interest margin | 3.5028% | 3,508 |
| Noninterest income to average assets | 0.1244% | 5,791 |
| Noninterest expense to average assets | 2.0653% | 5,325 |
| Loan and lease loss provision to assets | 0.0498% | 3,324 |
| Net operating income to assets | 1.1718% | 1,662 |
| Return on assets (ROA) | 1.2057% | 1,595 |
| Pretax return on assets | 1.2057% | 2,638 |
| Return on Equity (ROE) | 8.9457% | 2,481 |
| Retained earnings to average equity (ytd only) | 1.9301% | 4,632 |
| Net charge-offs to loans | 0.0503% | 3,199 |
| Credit loss provision to net charge-offs | 183.3333% | 1,491 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,077 |
| Efficiency ratio | 62.8355% | 4,471 |
| Assets per employee ($millions) | 5.6513% | 1,654 |
| Cash dividends to net income (ytd only)* | 78.4240% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,968 |
| Loan loss allowance to noncurrent loans | 239.5161% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 4,490 |
| Noncurrent loans to loans | 0.4653% | 3,800 |
| Net loans and leases to total assets | 58.2836% | 4,042 |
| Net loans and leases to deposits | 67.1457% | 4,206 |
| Net loans and leases to core deposits | 67.6630% | 4,469 |
| Total domestic deposits to total assets | 86.8016% | 2,237 |
| Equity capital to assets | 13.1321% | 1,287 |
| Core capital (leverage) ratio | 14.0345% | 806 |
| Tier 1 risk-based capital ratio | 51.6726% | 118 |
| Total risk-based capital ratio | 52.9412% | 116 |
| Memoranda: | ||
| Average total assets | $44,206,200 | 5,678 |
| Average earning assets | $39,910,400 | 5,680 |
| Average equity | $5,958,200 | 5,444 |
| Average total loans | $23,879,000 | 5,591 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 4,618 |
| Cost of funding earning assets | 0.1792% | 5,559 |
| Net interest margin | 3.4587% | 3,725 |
| Noninterest income to average assets | 0.1304% | 5,823 |
| Noninterest expense to average assets | 2.0657% | 5,356 |
| Loan and lease loss provision to assets | 0.0273% | 3,710 |
| Net operating income to assets | 1.1405% | 1,863 |
| Return on assets (ROA) | 1.1405% | 1,928 |
| Pretax return on assets | 1.1405% | 3,052 |
| Return on Equity (ROE) | 8.4065% | 2,868 |
| Retained earnings to average equity (ytd only) | 5.5224% | 2,563 |
| Net charge-offs to loans | 0.0345% | 3,226 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 64.1650% | 870 |
| Efficiency ratio | 63.8837% | 4,271 |
| Assets per employee ($millions) | 4.9761% | 2,327 |
| Cash dividends to net income (ytd only)* | 34.3094% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,867 |
| Loan loss allowance to noncurrent loans | 906.2500% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 5,378 |
| Noncurrent loans to loans | 0.1281% | 5,117 |
| Net loans and leases to total assets | 62.0438% | 3,600 |
| Net loans and leases to deposits | 73.9823% | 3,550 |
| Net loans and leases to core deposits | 74.5428% | 3,957 |
| Total domestic deposits to total assets | 83.8629% | 3,482 |
| Equity capital to assets | 15.2955% | 682 |
| Core capital (leverage) ratio | 14.1955% | 812 |
| Tier 1 risk-based capital ratio | 20.0553% | 1,532 |
| Total risk-based capital ratio | 21.0105% | 1,571 |
| Memoranda: | ||
| Average total assets | $43,955,250 | 5,761 |
| Average earning assets | $39,435,500 | 5,771 |
| Average equity | $5,963,500 | 5,507 |
| Average total loans | $23,187,000 | 5,688 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4463% | 5,118 |
| Cost of funding earning assets | 0.1731% | 5,667 |
| Net interest margin | 3.2732% | 4,409 |
| Noninterest income to average assets | 0.1147% | 5,970 |
| Noninterest expense to average assets | 2.0336% | 5,465 |
| Loan and lease loss provision to assets | 0.0265% | 3,610 |
| Net operating income to assets | 0.9749% | 2,519 |
| Return on assets (ROA) | 0.9749% | 2,624 |
| Pretax return on assets | 0.9749% | 3,677 |
| Return on Equity (ROE) | 7.4641% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.7959% | 2,992 |
| Net charge-offs to loans | 0.0531% | 2,658 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 1,174 |
| Efficiency ratio | 67.0058% | 3,837 |
| Assets per employee ($millions) | 5.5836% | 1,673 |
| Cash dividends to net income (ytd only)* | 35.7466% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,854 |
| Loan loss allowance to noncurrent loans | 956.6667% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 5,555 |
| Noncurrent loans to loans | 0.1243% | 5,255 |
| Net loans and leases to total assets | 53.4084% | 4,624 |
| Net loans and leases to deposits | 61.7098% | 4,723 |
| Net loans and leases to core deposits | 61.7098% | 4,964 |
| Total domestic deposits to total assets | 86.5477% | 2,401 |
| Equity capital to assets | 13.3739% | 1,229 |
| Core capital (leverage) ratio | 13.2818% | 1,056 |
| Tier 1 risk-based capital ratio | 26.8109% | 718 |
| Total risk-based capital ratio | 27.0487% | 780 |
| Memoranda: | ||
| Average total assets | $45,337,330 | 5,784 |
| Average earning assets | $40,449,670 | 5,798 |
| Average equity | $5,921,670 | 5,567 |
| Average total loans | $22,586,330 | 5,759 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2749% | 5,505 |
| Cost of funding earning assets | 0.1760% | 5,712 |
| Net interest margin | 3.0989% | 4,957 |
| Noninterest income to average assets | 0.1226% | 5,989 |
| Noninterest expense to average assets | 2.1107% | 5,351 |
| Loan and lease loss provision to assets | 0.0263% | 3,361 |
| Net operating income to assets | 0.7620% | 3,470 |
| Return on assets (ROA) | 0.7620% | 3,607 |
| Pretax return on assets | 0.7620% | 4,382 |
| Return on Equity (ROE) | 5.9028% | 4,075 |
| Retained earnings to average equity (ytd only) | 4.9529% | 3,079 |
| Net charge-offs to loans | 0.1101% | 1,641 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,646 |
| Efficiency ratio | 72.8097% | 3,026 |
| Assets per employee ($millions) | 5.9930% | 1,408 |
| Cash dividends to net income (ytd only)* | 16.0920% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 3,667 |
| Loan loss allowance to noncurrent loans | 579.5918% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 5,503 |
| Noncurrent loans to loans | 0.2163% | 5,006 |
| Net loans and leases to total assets | 46.6586% | 5,145 |
| Net loans and leases to deposits | 53.2657% | 5,250 |
| Net loans and leases to core deposits | 53.2657% | 5,407 |
| Total domestic deposits to total assets | 87.5959% | 2,047 |
| Equity capital to assets | 12.3436% | 1,789 |
| Core capital (leverage) ratio | 13.3387% | 1,038 |
| Tier 1 risk-based capital ratio | 33.0799% | 421 |
| Total risk-based capital ratio | 34.3320% | 419 |
| Memoranda: | ||
| Average total assets | $45,671,500 | 5,830 |
| Average earning assets | $40,917,500 | 5,840 |
| Average equity | $5,895,500 | 5,625 |
| Average total loans | $21,807,500 | 5,828 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4081% | 5,513 |
| Cost of funding earning assets | 0.2102% | 5,662 |
| Net interest margin | 3.1979% | 4,925 |
| Noninterest income to average assets | 0.2992% | 4,987 |
| Noninterest expense to average assets | 2.1535% | 5,448 |
| Loan and lease loss provision to assets | 0.0228% | 4,151 |
| Net operating income to assets | 0.8678% | 3,034 |
| Return on assets (ROA) | 0.8678% | 3,126 |
| Pretax return on assets | 0.8678% | 4,010 |
| Return on Equity (ROE) | 6.4387% | 3,937 |
| Retained earnings to average equity (ytd only) | 0.5083% | 5,547 |
| Net charge-offs to loans | 0.0049% | 4,850 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 136 |
| Efficiency ratio | 70.7427% | 3,427 |
| Assets per employee ($millions) | 5.4249% | 1,832 |
| Cash dividends to net income (ytd only)* | 92.1053% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 3,089 |
| Loan loss allowance to noncurrent loans | 212.5926% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 4,705 |
| Noncurrent loans to loans | 0.6441% | 3,755 |
| Net loans and leases to total assets | 47.6370% | 5,187 |
| Net loans and leases to deposits | 55.5007% | 5,212 |
| Net loans and leases to core deposits | 57.7180% | 5,276 |
| Total domestic deposits to total assets | 85.8315% | 2,927 |
| Equity capital to assets | 13.5326% | 1,147 |
| Core capital (leverage) ratio | 14.0716% | 798 |
| Tier 1 risk-based capital ratio | 23.6518% | 989 |
| Total risk-based capital ratio | 24.8085% | 981 |
| Memoranda: | ||
| Average total assets | $43,788,800 | 5,935 |
| Average earning assets | $37,586,600 | 5,995 |
| Average equity | $5,901,800 | 5,639 |
| Average total loans | $20,339,400 | 5,948 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,544 |
| Cost of funding earning assets | 0.2197% | 5,673 |
| Net interest margin | 3.2086% | 4,937 |
| Noninterest income to average assets | 0.3433% | 4,692 |
| Noninterest expense to average assets | 2.0993% | 5,573 |
| Loan and lease loss provision to assets | 0.0273% | 3,861 |
| Net operating income to assets | 0.9236% | 2,803 |
| Return on assets (ROA) | 0.9236% | 2,899 |
| Pretax return on assets | 0.9236% | 3,891 |
| Return on Equity (ROE) | 6.8594% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.5580% | 3,404 |
| Net charge-offs to loans | 0.0066% | 4,473 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 313.7744% | 222 |
| Efficiency ratio | 68.8247% | 3,702 |
| Assets per employee ($millions) | 5.3614% | 1,848 |
| Cash dividends to net income (ytd only)* | 33.5537% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,193 |
| Loan loss allowance to noncurrent loans | 75.2632% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 3,167 |
| Noncurrent loans to loans | 1.8564% | 1,721 |
| Net loans and leases to total assets | 47.0588% | 5,288 |
| Net loans and leases to deposits | 54.7779% | 5,327 |
| Net loans and leases to core deposits | 56.4414% | 5,423 |
| Total domestic deposits to total assets | 85.9085% | 2,893 |
| Equity capital to assets | 14.0542% | 984 |
| Core capital (leverage) ratio | 13.9266% | 865 |
| Tier 1 risk-based capital ratio | 24.6590% | 908 |
| Total risk-based capital ratio | 25.8269% | 912 |
| Memoranda: | ||
| Average total assets | $43,886,250 | 6,001 |
| Average earning assets | $37,024,750 | 6,088 |
| Average equity | $5,909,000 | 5,695 |
| Average total loans | $20,184,000 | 6,022 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3529% | 5,709 |
| Cost of funding earning assets | 0.2250% | 5,703 |
| Net interest margin | 3.1279% | 5,167 |
| Noninterest income to average assets | 0.4206% | 4,092 |
| Noninterest expense to average assets | 2.0716% | 5,685 |
| Loan and lease loss provision to assets | 0.0271% | 3,730 |
| Net operating income to assets | 0.9634% | 2,486 |
| Return on assets (ROA) | 0.9634% | 2,573 |
| Pretax return on assets | 0.9634% | 3,628 |
| Return on Equity (ROE) | 7.2581% | 3,489 |
| Retained earnings to average equity (ytd only) | 3.4757% | 3,992 |
| Net charge-offs to loans | 0.0299% | 3,597 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 712 |
| Efficiency ratio | 67.6514% | 4,074 |
| Assets per employee ($millions) | 5.7019% | 1,523 |
| Cash dividends to net income (ytd only)* | 52.1127% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 3,348 |
| Loan loss allowance to noncurrent loans | 3,525.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 6,076 |
| Noncurrent loans to loans | 0.0397% | 5,934 |
| Net loans and leases to total assets | 43.5361% | 5,564 |
| Net loans and leases to deposits | 50.1262% | 5,629 |
| Net loans and leases to core deposits | 51.5390% | 5,692 |
| Total domestic deposits to total assets | 86.8530% | 2,545 |
| Equity capital to assets | 13.0659% | 1,340 |
| Core capital (leverage) ratio | 13.1839% | 1,091 |
| Tier 1 risk-based capital ratio | 23.9410% | 995 |
| Total risk-based capital ratio | 25.0776% | 988 |
| Memoranda: | ||
| Average total assets | $44,218,000 | 6,055 |
| Average earning assets | $37,341,000 | 6,132 |
| Average equity | $5,869,330 | 5,744 |
| Average total loans | $20,088,670 | 6,073 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3375% | 5,778 |
| Cost of funding earning assets | 0.2218% | 5,835 |
| Net interest margin | 3.1157% | 5,191 |
| Noninterest income to average assets | 0.2022% | 5,737 |
| Noninterest expense to average assets | 2.1691% | 5,539 |
| Loan and lease loss provision to assets | 0.0276% | 3,469 |
| Net operating income to assets | 0.7169% | 3,590 |
| Return on assets (ROA) | 0.7169% | 3,677 |
| Pretax return on assets | 0.7169% | 4,430 |
| Return on Equity (ROE) | 5.3571% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.9148% | 3,766 |
| Net charge-offs to loans | -0.0199% | 5,358 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4479% | 3,060 |
| Assets per employee ($millions) | 6.1558% | 1,199 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 3,310 |
| Loan loss allowance to noncurrent loans | 294.7917% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 5,552 |
| Noncurrent loans to loans | 0.4969% | 4,671 |
| Net loans and leases to total assets | 38.6569% | 5,896 |
| Net loans and leases to deposits | 43.9106% | 5,979 |
| Net loans and leases to core deposits | 45.0388% | 6,035 |
| Total domestic deposits to total assets | 88.0356% | 2,219 |
| Equity capital to assets | 11.9340% | 1,914 |
| Core capital (leverage) ratio | 13.8238% | 881 |
| Tier 1 risk-based capital ratio | 23.5885% | 1,061 |
| Total risk-based capital ratio | 24.7209% | 1,061 |
| Memoranda: | ||
| Average total assets | $43,519,500 | 6,129 |
| Average earning assets | $37,872,500 | 6,177 |
| Average equity | $5,824,000 | 5,794 |
| Average total loans | $20,062,500 | 6,134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 5,210 |
| Cost of funding earning assets | 0.2793% | 5,766 |
| Net interest margin | 3.3944% | 4,295 |
| Noninterest income to average assets | 0.2290% | 5,707 |
| Noninterest expense to average assets | 2.2416% | 5,524 |
| Loan and lease loss provision to assets | 0.0254% | 4,622 |
| Net operating income to assets | 0.9923% | 2,359 |
| Return on assets (ROA) | 0.9923% | 2,430 |
| Pretax return on assets | 0.9923% | 3,382 |
| Return on Equity (ROE) | 6.6692% | 3,737 |
| Retained earnings to average equity (ytd only) | 1.0089% | 5,390 |
| Net charge-offs to loans | 0.0488% | 4,540 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 953 |
| Efficiency ratio | 68.7744% | 4,056 |
| Assets per employee ($millions) | 4.7241% | 2,548 |
| Cash dividends to net income (ytd only)* | 84.8718% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,931 |
| Loan loss allowance to noncurrent loans | 2,146.1538% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 6,167 |
| Noncurrent loans to loans | 0.0625% | 6,042 |
| Net loans and leases to total assets | 54.3116% | 4,545 |
| Net loans and leases to deposits | 64.6794% | 4,443 |
| Net loans and leases to core deposits | 66.9603% | 4,619 |
| Total domestic deposits to total assets | 83.9706% | 4,179 |
| Equity capital to assets | 15.2700% | 629 |
| Core capital (leverage) ratio | 15.7088% | 506 |
| Tier 1 risk-based capital ratio | 24.5325% | 901 |
| Total risk-based capital ratio | 25.7049% | 894 |
| Memoranda: | ||
| Average total assets | $39,303,000 | 6,307 |
| Average earning assets | $35,087,600 | 6,315 |
| Average equity | $5,847,800 | 5,853 |
| Average total loans | $20,478,200 | 6,177 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 5,409 |
| Cost of funding earning assets | 0.2672% | 5,977 |
| Net interest margin | 3.3456% | 4,477 |
| Noninterest income to average assets | 0.2386% | 5,729 |
| Noninterest expense to average assets | 2.1941% | 5,619 |
| Loan and lease loss provision to assets | 0.0302% | 4,400 |
| Net operating income to assets | 1.0013% | 2,371 |
| Return on assets (ROA) | 1.0013% | 2,457 |
| Pretax return on assets | 1.0013% | 3,500 |
| Return on Equity (ROE) | 6.7721% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.9086% | 3,145 |
| Net charge-offs to loans | 0.0654% | 3,981 |
| Credit loss provision to net charge-offs | 90.0000% | 2,639 |
| Earnings coverage of net charge-offs (x) | 30.7067% | 1,221 |
| Efficiency ratio | 68.0208% | 4,097 |
| Assets per employee ($millions) | 5.1920% | 1,947 |
| Cash dividends to net income (ytd only)* | 27.5169% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 4,207 |
| Loan loss allowance to noncurrent loans | 1,544.4444% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 6,233 |
| Noncurrent loans to loans | 0.0866% | 6,074 |
| Net loans and leases to total assets | 49.3909% | 5,201 |
| Net loans and leases to deposits | 57.7286% | 5,217 |
| Net loans and leases to core deposits | 59.5397% | 5,338 |
| Total domestic deposits to total assets | 85.5571% | 3,467 |
| Equity capital to assets | 14.4020% | 850 |
| Core capital (leverage) ratio | 14.1008% | 846 |
| Tier 1 risk-based capital ratio | 24.4201% | 941 |
| Total risk-based capital ratio | 25.5534% | 936 |
| Memoranda: | ||
| Average total assets | $39,680,500 | 6,366 |
| Average earning assets | $35,429,000 | 6,374 |
| Average equity | $5,867,000 | 5,920 |
| Average total loans | $20,396,500 | 6,244 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 5,395 |
| Cost of funding earning assets | 0.2978% | 5,846 |
| Net interest margin | 3.3155% | 4,511 |
| Noninterest income to average assets | 0.2253% | 5,832 |
| Noninterest expense to average assets | 2.1863% | 5,663 |
| Loan and lease loss provision to assets | 0.0307% | 4,315 |
| Net operating income to assets | 0.9728% | 2,451 |
| Return on assets (ROA) | 0.9728% | 2,595 |
| Pretax return on assets | 0.9728% | 3,625 |
| Return on Equity (ROE) | 6.5195% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.5293% | 3,387 |
| Net charge-offs to loans | 0.1086% | 3,273 |
| Credit loss provision to net charge-offs | 54.5455% | 3,129 |
| Earnings coverage of net charge-offs (x) | 17.8182% | 1,586 |
| Efficiency ratio | 68.5393% | 4,091 |
| Assets per employee ($millions) | 5.2001% | 1,890 |
| Cash dividends to net income (ytd only)* | 30.5263% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,403 |
| Loan loss allowance to noncurrent loans | 622.7273% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 6,088 |
| Noncurrent loans to loans | 0.2120% | 5,773 |
| Net loans and leases to total assets | 49.2296% | 5,196 |
| Net loans and leases to deposits | 57.3445% | 5,214 |
| Net loans and leases to core deposits | 59.1344% | 5,334 |
| Total domestic deposits to total assets | 85.8489% | 3,447 |
| Equity capital to assets | 14.0574% | 956 |
| Core capital (leverage) ratio | 15.0346% | 607 |
| Tier 1 risk-based capital ratio | 24.3471% | 956 |
| Total risk-based capital ratio | 25.4757% | 951 |
| Memoranda: | ||
| Average total assets | $39,062,000 | 6,433 |
| Average earning assets | $34,927,000 | 6,434 |
| Average equity | $5,828,670 | 5,966 |
| Average total loans | $20,264,330 | 6,289 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 5,147 |
| Cost of funding earning assets | 0.3087% | 5,906 |
| Net interest margin | 3.3953% | 4,136 |
| Noninterest income to average assets | 0.2117% | 5,968 |
| Noninterest expense to average assets | 2.4026% | 5,113 |
| Loan and lease loss provision to assets | 0.0318% | 4,050 |
| Net operating income to assets | 0.8044% | 3,137 |
| Return on assets (ROA) | 0.8044% | 3,270 |
| Pretax return on assets | 0.8044% | 4,156 |
| Return on Equity (ROE) | 5.2243% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.5369% | 3,512 |
| Net charge-offs to loans | 0.1798% | 2,314 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 8.7778% | 1,912 |
| Efficiency ratio | 74.1830% | 3,231 |
| Assets per employee ($millions) | 4.8161% | 2,459 |
| Cash dividends to net income (ytd only)* | 13.1579% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,300 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 5,729 |
| Noncurrent loans to loans | 0.4897% | 5,205 |
| Net loans and leases to total assets | 50.1700% | 4,972 |
| Net loans and leases to deposits | 59.1928% | 4,890 |
| Net loans and leases to core deposits | 61.2174% | 5,027 |
| Total domestic deposits to total assets | 84.7569% | 4,152 |
| Equity capital to assets | 15.1886% | 712 |
| Core capital (leverage) ratio | 16.3205% | 422 |
| Tier 1 risk-based capital ratio | 25.0193% | 889 |
| Total risk-based capital ratio | 26.1833% | 890 |
| Memoranda: | ||
| Average total assets | $37,792,500 | 6,526 |
| Average earning assets | $33,693,500 | 6,535 |
| Average equity | $5,819,000 | 6,027 |
| Average total loans | $20,019,500 | 6,357 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 4,449 |
| Cost of funding earning assets | 0.3759% | 6,076 |
| Net interest margin | 3.8596% | 2,988 |
| Noninterest income to average assets | 0.2479% | 5,687 |
| Noninterest expense to average assets | 2.5819% | 4,805 |
| Loan and lease loss provision to assets | 0.0334% | 5,472 |
| Net operating income to assets | 1.0640% | 2,073 |
| Return on assets (ROA) | 1.0640% | 2,261 |
| Pretax return on assets | 1.0640% | 3,296 |
| Return on Equity (ROE) | 6.5483% | 3,886 |
| Retained earnings to average equity (ytd only) | 0.0857% | 5,793 |
| Net charge-offs to loans | 0.0195% | 5,634 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 387 |
| Efficiency ratio | 70.1741% | 3,783 |
| Assets per employee ($millions) | 4.6320% | 2,729 |
| Cash dividends to net income (ytd only)* | 98.6911% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,328 |
| Loan loss allowance to noncurrent loans | 6,975.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 6,535 |
| Noncurrent loans to loans | 0.0196% | 6,487 |
| Net loans and leases to total assets | 54.3987% | 4,566 |
| Net loans and leases to deposits | 65.0594% | 4,414 |
| Net loans and leases to core deposits | 67.4000% | 4,602 |
| Total domestic deposits to total assets | 83.6140% | 4,493 |
| Equity capital to assets | 15.6142% | 618 |
| Core capital (leverage) ratio | 16.2487% | 422 |
| Tier 1 risk-based capital ratio | 24.4563% | 913 |
| Total risk-based capital ratio | 25.6368% | 899 |
| Memoranda: | ||
| Average total assets | $35,903,600 | 6,609 |
| Average earning assets | $31,920,000 | 6,609 |
| Average equity | $5,833,600 | 6,064 |
| Average total loans | $20,504,600 | 6,400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 4,575 |
| Cost of funding earning assets | 0.3863% | 6,195 |
| Net interest margin | 3.8841% | 2,972 |
| Noninterest income to average assets | 0.2359% | 5,863 |
| Noninterest expense to average assets | 2.6018% | 4,732 |
| Loan and lease loss provision to assets | 0.0337% | 5,353 |
| Net operating income to assets | 1.0632% | 2,240 |
| Return on assets (ROA) | 1.0632% | 2,453 |
| Pretax return on assets | 1.0632% | 3,485 |
| Return on Equity (ROE) | 6.4778% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.7863% | 4,227 |
| Net charge-offs to loans | 0.0260% | 5,305 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 73.2946% | 569 |
| Efficiency ratio | 70.3441% | 3,623 |
| Assets per employee ($millions) | 4.3788% | 3,107 |
| Cash dividends to net income (ytd only)* | 41.5491% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,668 |
| Loan loss allowance to noncurrent loans | 438.0952% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 6,235 |
| Noncurrent loans to loans | 0.3038% | 5,881 |
| Net loans and leases to total assets | 58.4099% | 4,061 |
| Net loans and leases to deposits | 70.3804% | 3,846 |
| Net loans and leases to core deposits | 73.0854% | 4,105 |
| Total domestic deposits to total assets | 82.9917% | 4,643 |
| Equity capital to assets | 16.9540% | 466 |
| Core capital (leverage) ratio | 16.4508% | 432 |
| Tier 1 risk-based capital ratio | 24.8014% | 926 |
| Total risk-based capital ratio | 25.9555% | 928 |
| Memoranda: | ||
| Average total assets | $35,615,500 | 6,698 |
| Average earning assets | $31,752,250 | 6,698 |
| Average equity | $5,845,500 | 6,138 |
| Average total loans | $20,521,500 | 6,487 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 4,893 |
| Cost of funding earning assets | 0.4016% | 6,259 |
| Net interest margin | 3.8149% | 3,291 |
| Noninterest income to average assets | 0.2178% | 6,007 |
| Noninterest expense to average assets | 2.6417% | 4,641 |
| Loan and lease loss provision to assets | 0.0335% | 5,251 |
| Net operating income to assets | 0.9383% | 2,720 |
| Return on assets (ROA) | 0.9383% | 2,984 |
| Pretax return on assets | 0.9383% | 3,930 |
| Return on Equity (ROE) | 5.7788% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.4766% | 4,949 |
| Net charge-offs to loans | 0.0489% | 4,715 |
| Credit loss provision to net charge-offs | 120.0000% | 2,288 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 974 |
| Efficiency ratio | 73.1066% | 3,223 |
| Assets per employee ($millions) | 4.7088% | 2,556 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,934 |
| Loan loss allowance to noncurrent loans | 362.6667% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 6,204 |
| Noncurrent loans to loans | 0.3555% | 5,833 |
| Net loans and leases to total assets | 55.2854% | 4,578 |
| Net loans and leases to deposits | 65.5050% | 4,576 |
| Net loans and leases to core deposits | 67.7996% | 4,812 |
| Total domestic deposits to total assets | 84.3987% | 4,143 |
| Equity capital to assets | 15.5269% | 673 |
| Core capital (leverage) ratio | 16.2008% | 440 |
| Tier 1 risk-based capital ratio | 23.8996% | 1,025 |
| Total risk-based capital ratio | 25.0133% | 1,026 |
| Memoranda: | ||
| Average total assets | $35,810,670 | 6,743 |
| Average earning assets | $31,875,000 | 6,739 |
| Average equity | $5,814,330 | 6,167 |
| Average total loans | $20,449,670 | 6,544 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 4,818 |
| Cost of funding earning assets | 0.4484% | 6,156 |
| Net interest margin | 3.8308% | 3,241 |
| Noninterest income to average assets | 0.2179% | 6,051 |
| Noninterest expense to average assets | 2.8784% | 3,712 |
| Loan and lease loss provision to assets | 0.0344% | 4,951 |
| Net operating income to assets | 0.7339% | 3,717 |
| Return on assets (ROA) | 0.7339% | 3,951 |
| Pretax return on assets | 0.7339% | 4,677 |
| Return on Equity (ROE) | 4.4161% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.1390% | 5,191 |
| Net charge-offs to loans | -0.0596% | 6,603 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9308% | 2,365 |
| Assets per employee ($millions) | 4.3609% | 3,277 |
| Cash dividends to net income (ytd only)* | 51.5625% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,761 |
| Loan loss allowance to noncurrent loans | 123.1111% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 5,275 |
| Noncurrent loans to loans | 1.1057% | 4,487 |
| Net loans and leases to total assets | 57.5343% | 4,124 |
| Net loans and leases to deposits | 69.0804% | 3,859 |
| Net loans and leases to core deposits | 72.4072% | 4,086 |
| Total domestic deposits to total assets | 83.2860% | 4,820 |
| Equity capital to assets | 16.6509% | 479 |
| Core capital (leverage) ratio | 16.6767% | 394 |
| Tier 1 risk-based capital ratio | 25.3421% | 871 |
| Total risk-based capital ratio | 26.5533% | 855 |
| Memoranda: | ||
| Average total assets | $34,881,000 | 6,826 |
| Average earning assets | $31,221,000 | 6,813 |
| Average equity | $5,797,000 | 6,200 |
| Average total loans | $20,125,500 | 6,605 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 5,430 |
| Cost of funding earning assets | 0.5795% | 6,191 |
| Net interest margin | 3.8195% | 3,725 |
| Noninterest income to average assets | 0.1621% | 6,333 |
| Noninterest expense to average assets | 2.3349% | 5,961 |
| Loan and lease loss provision to assets | 0.0455% | 6,008 |
| Net operating income to assets | 1.1746% | 1,587 |
| Return on assets (ROA) | 1.1632% | 1,735 |
| Pretax return on assets | 1.1632% | 2,602 |
| Return on Equity (ROE) | 7.0671% | 3,375 |
| Retained earnings to average equity (ytd only) | 1.1059% | 5,336 |
| Net charge-offs to loans | 0.0283% | 6,041 |
| Credit loss provision to net charge-offs | 266.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 419 |
| Efficiency ratio | 65.6800% | 4,833 |
| Assets per employee ($millions) | 4.3594% | 3,143 |
| Cash dividends to net income (ytd only)* | 84.3521% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,627 |
| Loan loss allowance to noncurrent loans | 179.4702% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 5,881 |
| Noncurrent loans to loans | 0.7587% | 5,176 |
| Net loans and leases to total assets | 56.2896% | 4,652 |
| Net loans and leases to deposits | 68.1112% | 4,432 |
| Net loans and leases to core deposits | 70.7245% | 4,684 |
| Total domestic deposits to total assets | 82.6437% | 4,903 |
| Equity capital to assets | 16.5878% | 507 |
| Core capital (leverage) ratio | 16.7968% | 380 |
| Tier 1 risk-based capital ratio | 26.4389% | 744 |
| Total risk-based capital ratio | 27.6817% | 733 |
| Memoranda: | ||
| Average total assets | $35,162,000 | 6,823 |
| Average earning assets | $31,234,600 | 6,829 |
| Average equity | $5,787,400 | 6,209 |
| Average total loans | $21,182,000 | 6,598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 5,307 |
| Cost of funding earning assets | 0.6071% | 6,257 |
| Net interest margin | 3.8737% | 3,506 |
| Noninterest income to average assets | 0.1627% | 6,432 |
| Noninterest expense to average assets | 2.4937% | 5,482 |
| Loan and lease loss provision to assets | 0.0341% | 6,013 |
| Net operating income to assets | 1.0634% | 2,094 |
| Return on assets (ROA) | 1.0482% | 2,295 |
| Pretax return on assets | 1.0482% | 3,220 |
| Return on Equity (ROE) | 6.3808% | 3,834 |
| Retained earnings to average equity (ytd only) | 3.7087% | 4,106 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4415% | 4,048 |
| Assets per employee ($millions) | 4.1889% | 3,468 |
| Cash dividends to net income (ytd only)* | 41.8770% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,966 |
| Loan loss allowance to noncurrent loans | 181.2081% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 5,980 |
| Noncurrent loans to loans | 0.7229% | 5,427 |
| Net loans and leases to total assets | 60.6995% | 4,003 |
| Net loans and leases to deposits | 73.8009% | 3,684 |
| Net loans and leases to core deposits | 76.7672% | 4,087 |
| Total domestic deposits to total assets | 82.2476% | 4,987 |
| Equity capital to assets | 17.5435% | 436 |
| Core capital (leverage) ratio | 16.9197% | 408 |
| Tier 1 risk-based capital ratio | 27.0812% | 728 |
| Total risk-based capital ratio | 28.3286% | 719 |
| Memoranda: | ||
| Average total assets | $35,233,750 | 6,886 |
| Average earning assets | $31,184,000 | 6,898 |
| Average equity | $5,788,000 | 6,254 |
| Average total loans | $21,502,000 | 6,646 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 5,761 |
| Cost of funding earning assets | 0.6205% | 6,363 |
| Net interest margin | 3.7605% | 3,987 |
| Noninterest income to average assets | 0.1564% | 6,534 |
| Noninterest expense to average assets | 2.4352% | 5,741 |
| Loan and lease loss provision to assets | 0.0335% | 5,899 |
| Net operating income to assets | 1.0389% | 2,071 |
| Return on assets (ROA) | 1.0165% | 2,254 |
| Pretax return on assets | 1.0165% | 3,175 |
| Return on Equity (ROE) | 6.3220% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.2305% | 4,208 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4268% | 4,229 |
| Assets per employee ($millions) | 4.2631% | 3,230 |
| Cash dividends to net income (ytd only)* | 48.9011% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 5,137 |
| Loan loss allowance to noncurrent loans | 178.0000% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 6,042 |
| Noncurrent loans to loans | 0.7209% | 5,470 |
| Net loans and leases to total assets | 60.2258% | 4,232 |
| Net loans and leases to deposits | 72.7311% | 3,992 |
| Net loans and leases to core deposits | 75.5814% | 4,371 |
| Total domestic deposits to total assets | 82.8060% | 4,845 |
| Equity capital to assets | 17.0004% | 481 |
| Core capital (leverage) ratio | 16.3197% | 470 |
| Tier 1 risk-based capital ratio | 27.3526% | 705 |
| Total risk-based capital ratio | 28.6038% | 695 |
| Memoranda: | ||
| Average total assets | $35,808,000 | 6,924 |
| Average earning assets | $31,911,000 | 6,936 |
| Average equity | $5,757,670 | 6,303 |
| Average total loans | $21,799,000 | 6,694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 6,133 |
| Cost of funding earning assets | 0.6341% | 6,458 |
| Net interest margin | 3.6217% | 4,478 |
| Noninterest income to average assets | 0.1746% | 6,483 |
| Noninterest expense to average assets | 2.4441% | 5,752 |
| Loan and lease loss provision to assets | 0.0327% | 5,562 |
| Net operating income to assets | 0.9384% | 2,411 |
| Return on assets (ROA) | 0.9384% | 2,472 |
| Pretax return on assets | 0.9384% | 3,372 |
| Return on Equity (ROE) | 5.9956% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.6471% | 2,824 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5655% | 3,948 |
| Assets per employee ($millions) | 4.5198% | 2,856 |
| Cash dividends to net income (ytd only)* | 5.8140% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,455 |
| Loan loss allowance to noncurrent loans | 81.2308% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 5,107 |
| Noncurrent loans to loans | 1.5229% | 4,188 |
| Net loans and leases to total assets | 58.2914% | 4,597 |
| Net loans and leases to deposits | 69.4945% | 4,432 |
| Net loans and leases to core deposits | 74.5719% | 4,478 |
| Total domestic deposits to total assets | 83.8791% | 4,534 |
| Equity capital to assets | 16.0020% | 576 |
| Core capital (leverage) ratio | 16.3763% | 448 |
| Tier 1 risk-based capital ratio | 26.4298% | 745 |
| Total risk-based capital ratio | 27.6368% | 738 |
| Memoranda: | ||
| Average total assets | $36,659,500 | 6,941 |
| Average earning assets | $32,802,500 | 6,964 |
| Average equity | $5,737,500 | 6,329 |
| Average total loans | $22,295,000 | 6,722 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 4,773 |
| Cost of funding earning assets | 0.8284% | 6,450 |
| Net interest margin | 4.1255% | 2,462 |
| Noninterest income to average assets | 0.2445% | 6,051 |
| Noninterest expense to average assets | 2.5327% | 5,672 |
| Loan and lease loss provision to assets | 0.0466% | 6,700 |
| Net operating income to assets | 1.3479% | 1,057 |
| Return on assets (ROA) | 1.3362% | 1,159 |
| Pretax return on assets | 1.3362% | 1,838 |
| Return on Equity (ROE) | 7.9059% | 2,735 |
| Retained earnings to average equity (ytd only) | -0.1550% | 5,635 |
| Net charge-offs to loans | 0.0252% | 6,556 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 79.8333% | 305 |
| Efficiency ratio | 64.4922% | 5,266 |
| Assets per employee ($millions) | 4.6451% | 2,631 |
| Cash dividends to net income (ytd only)* | 101.9608% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,861 |
| Loan loss allowance to noncurrent loans | 395.4545% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 6,789 |
| Noncurrent loans to loans | 0.2839% | 6,489 |
| Net loans and leases to total assets | 61.8606% | 4,317 |
| Net loans and leases to deposits | 73.9925% | 4,190 |
| Net loans and leases to core deposits | 80.0780% | 4,205 |
| Total domestic deposits to total assets | 83.6038% | 4,554 |
| Equity capital to assets | 15.3091% | 716 |
| Core capital (leverage) ratio | 16.6482% | 428 |
| Tier 1 risk-based capital ratio | 24.0579% | 929 |
| Total risk-based capital ratio | 25.1593% | 922 |
| Memoranda: | ||
| Average total assets | $34,351,000 | 7,061 |
| Average earning assets | $30,663,200 | 7,067 |
| Average equity | $5,805,800 | 6,430 |
| Average total loans | $23,774,600 | 6,744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 4,118 |
| Cost of funding earning assets | 0.8657% | 6,521 |
| Net interest margin | 4.2754% | 1,935 |
| Noninterest income to average assets | 0.2575% | 6,057 |
| Noninterest expense to average assets | 2.5122% | 5,670 |
| Loan and lease loss provision to assets | 0.0357% | 6,727 |
| Net operating income to assets | 1.5255% | 875 |
| Return on assets (ROA) | 1.5255% | 955 |
| Pretax return on assets | 1.5255% | 1,543 |
| Return on Equity (ROE) | 8.7973% | 2,568 |
| Retained earnings to average equity (ytd only) | 4.7529% | 3,154 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6732% | 5,670 |
| Assets per employee ($millions) | 4.3114% | 3,236 |
| Cash dividends to net income (ytd only)* | 45.9733% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,827 |
| Loan loss allowance to noncurrent loans | 305.8824% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 6,748 |
| Noncurrent loans to loans | 0.3683% | 6,458 |
| Net loans and leases to total assets | 66.1535% | 3,651 |
| Net loans and leases to deposits | 80.1299% | 3,426 |
| Net loans and leases to core deposits | 87.3679% | 3,464 |
| Total domestic deposits to total assets | 82.5578% | 4,767 |
| Equity capital to assets | 17.2712% | 491 |
| Core capital (leverage) ratio | 17.1233% | 422 |
| Tier 1 risk-based capital ratio | 25.8315% | 787 |
| Total risk-based capital ratio | 26.9664% | 780 |
| Memoranda: | ||
| Average total assets | $33,648,500 | 7,174 |
| Average earning assets | $30,031,750 | 7,174 |
| Average equity | $5,835,000 | 6,504 |
| Average total loans | $23,906,000 | 6,829 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 4,281 |
| Cost of funding earning assets | 0.8846% | 6,645 |
| Net interest margin | 4.2489% | 1,968 |
| Noninterest income to average assets | 0.2757% | 5,943 |
| Noninterest expense to average assets | 2.5234% | 5,634 |
| Loan and lease loss provision to assets | 0.0360% | 6,598 |
| Net operating income to assets | 1.5164% | 885 |
| Return on assets (ROA) | 1.5164% | 945 |
| Pretax return on assets | 1.5164% | 1,513 |
| Return on Equity (ROE) | 8.7327% | 2,569 |
| Retained earnings to average equity (ytd only) | 4.2800% | 3,354 |
| Net charge-offs to loans | -0.0083% | 7,172 |
| Credit loss provision to net charge-offs | -600.0000% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9118% | 5,704 |
| Assets per employee ($millions) | 4.2370% | 3,325 |
| Cash dividends to net income (ytd only)* | 50.9881% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 6,135 |
| Loan loss allowance to noncurrent loans | 992.3077% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 7,202 |
| Noncurrent loans to loans | 0.1069% | 7,052 |
| Net loans and leases to total assets | 70.9995% | 2,658 |
| Net loans and leases to deposits | 86.0360% | 2,503 |
| Net loans and leases to core deposits | 93.9344% | 2,725 |
| Total domestic deposits to total assets | 82.5230% | 4,776 |
| Equity capital to assets | 17.2852% | 491 |
| Core capital (leverage) ratio | 16.5294% | 491 |
| Tier 1 risk-based capital ratio | 24.5678% | 887 |
| Total risk-based capital ratio | 25.6531% | 883 |
| Memoranda: | ||
| Average total assets | $33,367,670 | 7,240 |
| Average earning assets | $29,843,330 | 7,234 |
| Average equity | $5,794,330 | 6,532 |
| Average total loans | $24,182,330 | 6,851 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 3,783 |
| Cost of funding earning assets | 0.9178% | 6,701 |
| Net interest margin | 4.3328% | 1,583 |
| Noninterest income to average assets | 0.2900% | 5,825 |
| Noninterest expense to average assets | 2.5254% | 5,632 |
| Loan and lease loss provision to assets | 0.0362% | 6,315 |
| Net operating income to assets | 1.6071% | 740 |
| Return on assets (ROA) | 1.6071% | 793 |
| Pretax return on assets | 1.6071% | 1,249 |
| Return on Equity (ROE) | 9.2329% | 2,412 |
| Retained earnings to average equity (ytd only) | 7.3586% | 1,992 |
| Net charge-offs to loans | -0.0166% | 7,023 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5797% | 6,071 |
| Assets per employee ($millions) | 4.0544% | 3,745 |
| Cash dividends to net income (ytd only)* | 20.3008% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,228 |
| Loan loss allowance to noncurrent loans | 708.3333% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 7,201 |
| Noncurrent loans to loans | 0.1482% | 7,036 |
| Net loans and leases to total assets | 74.0866% | 1,954 |
| Net loans and leases to deposits | 90.3655% | 1,849 |
| Net loans and leases to core deposits | 99.1296% | 2,221 |
| Total domestic deposits to total assets | 81.9855% | 5,076 |
| Equity capital to assets | 17.9066% | 432 |
| Core capital (leverage) ratio | 17.5546% | 397 |
| Tier 1 risk-based capital ratio | 24.6472% | 903 |
| Total risk-based capital ratio | 25.7278% | 894 |
| Memoranda: | ||
| Average total assets | $33,103,500 | 7,337 |
| Average earning assets | $29,634,500 | 7,335 |
| Average equity | $5,762,000 | 6,594 |
| Average total loans | $24,111,500 | 6,937 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 4,776 |
| Cost of funding earning assets | 1.1066% | 6,955 |
| Net interest margin | 4.2759% | 1,798 |
| Noninterest income to average assets | 0.3053% | 5,905 |
| Noninterest expense to average assets | 2.5113% | 6,083 |
| Loan and lease loss provision to assets | 0.0539% | 7,024 |
| Net operating income to assets | 1.5684% | 587 |
| Return on assets (ROA) | 1.5684% | 631 |
| Pretax return on assets | 1.5684% | 1,033 |
| Return on Equity (ROE) | 9.0764% | 2,001 |
| Retained earnings to average equity (ytd only) | 0.8141% | 4,446 |
| Net charge-offs to loans | 0.0302% | 6,822 |
| Credit loss provision to net charge-offs | 257.1429% | 1,364 |
| Earnings coverage of net charge-offs (x) | 77.4286% | 349 |
| Efficiency ratio | 60.7531% | 6,365 |
| Assets per employee ($millions) | 4.2215% | 3,396 |
| Cash dividends to net income (ytd only)* | 91.0305% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,133 |
| Loan loss allowance to noncurrent loans | 809.6774% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 7,267 |
| Noncurrent loans to loans | 0.1295% | 7,107 |
| Net loans and leases to total assets | 70.1380% | 3,225 |
| Net loans and leases to deposits | 85.6394% | 2,975 |
| Net loans and leases to core deposits | 119.2759% | 2,004 |
| Total domestic deposits to total assets | 81.8992% | 4,996 |
| Equity capital to assets | 16.9253% | 561 |
| Core capital (leverage) ratio | 16.2069% | 586 |
| Tier 1 risk-based capital ratio | 24.2855% | 922 |
| Total risk-based capital ratio | 25.3530% | 914 |
| Memoranda: | ||
| Average total assets | $33,409,000 | 7,354 |
| Average earning assets | $29,912,000 | 7,363 |
| Average equity | $5,773,200 | 6,682 |
| Average total loans | $23,155,000 | 7,020 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 4,807 |
| Cost of funding earning assets | 1.1213% | 7,128 |
| Net interest margin | 4.3065% | 1,713 |
| Noninterest income to average assets | 0.3081% | 6,018 |
| Noninterest expense to average assets | 2.4331% | 6,299 |
| Loan and lease loss provision to assets | 0.0360% | 6,995 |
| Net operating income to assets | 1.6967% | 564 |
| Return on assets (ROA) | 1.6967% | 592 |
| Pretax return on assets | 1.6967% | 977 |
| Return on Equity (ROE) | 9.7679% | 2,007 |
| Retained earnings to average equity (ytd only) | 5.4830% | 2,215 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4054% | 6,665 |
| Assets per employee ($millions) | 4.1278% | 3,514 |
| Cash dividends to net income (ytd only)* | 43.8672% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 6,048 |
| Loan loss allowance to noncurrent loans | 714.2857% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 7,284 |
| Noncurrent loans to loans | 0.1460% | 7,113 |
| Net loans and leases to total assets | 71.8460% | 3,074 |
| Net loans and leases to deposits | 87.7177% | 3,020 |
| Net loans and leases to core deposits | 120.6704% | 2,189 |
| Total domestic deposits to total assets | 81.9060% | 4,709 |
| Equity capital to assets | 17.9123% | 522 |
| Core capital (leverage) ratio | 17.8886% | 461 |
| Tier 1 risk-based capital ratio | 25.1288% | 880 |
| Total risk-based capital ratio | 26.1932% | 880 |
| Memoranda: | ||
| Average total assets | $33,318,250 | 7,413 |
| Average earning assets | $29,845,250 | 7,422 |
| Average equity | $5,787,500 | 6,742 |
| Average total loans | $22,959,250 | 7,090 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 4,855 |
| Cost of funding earning assets | 1.1383% | 7,279 |
| Net interest margin | 4.3201% | 1,596 |
| Noninterest income to average assets | 0.2514% | 6,485 |
| Noninterest expense to average assets | 2.3880% | 6,503 |
| Loan and lease loss provision to assets | 0.0359% | 6,885 |
| Net operating income to assets | 1.7117% | 553 |
| Return on assets (ROA) | 1.7117% | 600 |
| Pretax return on assets | 1.7117% | 989 |
| Return on Equity (ROE) | 9.9565% | 2,033 |
| Retained earnings to average equity (ytd only) | 5.3612% | 2,312 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7424% | 6,901 |
| Assets per employee ($millions) | 4.2008% | 3,298 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 5,839 |
| Loan loss allowance to noncurrent loans | 37.5951% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 3,260 |
| Noncurrent loans to loans | 2.8184% | 2,554 |
| Net loans and leases to total assets | 68.6306% | 4,040 |
| Net loans and leases to deposits | 83.0985% | 4,027 |
| Net loans and leases to core deposits | 111.7604% | 3,160 |
| Total domestic deposits to total assets | 82.5894% | 4,431 |
| Equity capital to assets | 17.2320% | 632 |
| Core capital (leverage) ratio | 18.2040% | 488 |
| Tier 1 risk-based capital ratio | 25.3206% | 911 |
| Total risk-based capital ratio | 26.3945% | 909 |
| Memoranda: | ||
| Average total assets | $33,417,000 | 7,472 |
| Average earning assets | $30,045,670 | 7,480 |
| Average equity | $5,745,000 | 6,814 |
| Average total loans | $22,620,670 | 7,173 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 4,179 |
| Cost of funding earning assets | 1.2465% | 7,180 |
| Net interest margin | 4.3830% | 1,387 |
| Noninterest income to average assets | 0.3121% | 5,944 |
| Noninterest expense to average assets | 2.3648% | 6,323 |
| Loan and lease loss provision to assets | 0.0360% | 6,494 |
| Net operating income to assets | 1.8366% | 492 |
| Return on assets (ROA) | 1.8366% | 553 |
| Pretax return on assets | 1.8366% | 914 |
| Return on Equity (ROE) | 10.6956% | 2,069 |
| Retained earnings to average equity (ytd only) | 8.5285% | 1,621 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8074% | 6,997 |
| Assets per employee ($millions) | 3.9235% | 3,825 |
| Cash dividends to net income (ytd only)* | 20.2614% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,416 |
| Loan loss allowance to noncurrent loans | 193.6508% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 6,288 |
| Noncurrent loans to loans | 0.5717% | 5,982 |
| Net loans and leases to total assets | 69.4374% | 3,810 |
| Net loans and leases to deposits | 87.5970% | 3,358 |
| Net loans and leases to core deposits | 116.5196% | 2,738 |
| Total domestic deposits to total assets | 79.2691% | 5,620 |
| Equity capital to assets | 18.4051% | 557 |
| Core capital (leverage) ratio | 17.1881% | 635 |
| Tier 1 risk-based capital ratio | 26.5330% | 844 |
| Total risk-based capital ratio | 27.6522% | 841 |
| Memoranda: | ||
| Average total assets | $33,322,500 | 7,519 |
| Average earning assets | $29,842,500 | 7,526 |
| Average equity | $5,722,000 | 6,869 |
| Average total loans | $22,275,500 | 7,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9087% | 5,998 |
| Cost of funding earning assets | 1.7219% | 7,213 |
| Net interest margin | 4.1868% | 2,363 |
| Noninterest income to average assets | 0.1653% | 7,241 |
| Noninterest expense to average assets | 2.2057% | 6,948 |
| Loan and lease loss provision to assets | 0.0399% | 6,914 |
| Net operating income to assets | 1.6614% | 727 |
| Return on assets (ROA) | 1.6643% | 693 |
| Pretax return on assets | 1.6643% | 1,230 |
| Return on Equity (ROE) | 10.2900% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.9910% | 3,992 |
| Net charge-offs to loans | 0.0233% | 6,522 |
| Credit loss provision to net charge-offs | 280.0000% | 1,628 |
| Earnings coverage of net charge-offs (x) | 119.4000% | 379 |
| Efficiency ratio | 56.4551% | 6,947 |
| Assets per employee ($millions) | 4.4071% | 2,779 |
| Cash dividends to net income (ytd only)* | 80.6507% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 5,480 |
| Loan loss allowance to noncurrent loans | 573.8095% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 7,101 |
| Noncurrent loans to loans | 0.1866% | 6,832 |
| Net loans and leases to total assets | 63.1676% | 5,425 |
| Net loans and leases to deposits | 76.4223% | 5,544 |
| Net loans and leases to core deposits | 104.1480% | 4,380 |
| Total domestic deposits to total assets | 82.6559% | 3,919 |
| Equity capital to assets | 16.0734% | 917 |
| Core capital (leverage) ratio | 16.0058% | 821 |
| Tier 1 risk-based capital ratio | 24.7953% | 1,001 |
| Total risk-based capital ratio | 25.8505% | 1,002 |
| Memoranda: | ||
| Average total assets | $35,090,200 | 7,419 |
| Average earning assets | $31,360,600 | 7,442 |
| Average equity | $5,675,400 | 6,925 |
| Average total loans | $21,440,800 | 7,232 |