Home > Bank of Iberia > Performance and Condition Ratios
Bank of Iberia, 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 | 5.1940% | 1,672 |
| Cost of funding earning assets | 0.6854% | 3,946 |
| Net interest margin | 4.5087% | 609 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.9833% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6211% | 3,381 |
| Return on assets (ROA) | 0.5932% | 3,450 |
| Pretax return on assets | 0.7592% | 3,315 |
| Return on Equity (ROE) | 8.2100% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.1277% | 2,568 |
| Net charge-offs to loans | 0.0318% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 43.0833% | 1,397 |
| Efficiency ratio | 83.3709% | 695 |
| Assets per employee ($millions) | 3.4909% | 4,294 |
| Cash dividends to net income (ytd only)* | 37.5648% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 1,675 |
| Loan loss allowance to noncurrent loans | 189.3939% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 1,393 |
| Noncurrent loans to loans | 0.6977% | 1,125 |
| Net loans and leases to total assets | 56.2900% | 3,167 |
| Net loans and leases to deposits | 61.9270% | 3,411 |
| Net loans and leases to core deposits | 64.6349% | 3,556 |
| Total domestic deposits to total assets | 90.9000% | 534 |
| Equity capital to assets | 7.6078% | 3,656 |
| Core capital (leverage) ratio | 8.6712% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8309% | 1,310 |
| Memoranda: | ||
| Average total assets | $65,071,200 | 4,166 |
| Average earning assets | $59,529,800 | 4,144 |
| Average equity | $4,700,000 | 4,286 |
| Average total loans | $37,686,600 | 4,032 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 1,555 |
| Cost of funding earning assets | 0.5876% | 3,991 |
| Net interest margin | 4.5544% | 573 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.8543% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7560% | 3,147 |
| Return on assets (ROA) | 0.7186% | 3,248 |
| Pretax return on assets | 0.9327% | 3,029 |
| Return on Equity (ROE) | 10.0900% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.9360% | 2,308 |
| Net charge-offs to loans | 0.0319% | 1,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 52.8889% | 1,279 |
| Efficiency ratio | 79.7274% | 871 |
| Assets per employee ($millions) | 3.8690% | 4,211 |
| Cash dividends to net income (ytd only)* | 31.2321% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,233 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 1,273 |
| Noncurrent loans to loans | 0.7811% | 1,060 |
| Net loans and leases to total assets | 57.8700% | 3,039 |
| Net loans and leases to deposits | 63.4421% | 3,296 |
| Net loans and leases to core deposits | 65.6389% | 3,450 |
| Total domestic deposits to total assets | 91.2200% | 622 |
| Equity capital to assets | 7.0652% | 3,578 |
| Core capital (leverage) ratio | 8.6684% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6536% | 1,393 |
| Memoranda: | ||
| Average total assets | $64,757,250 | 4,185 |
| Average earning assets | $59,223,750 | 4,165 |
| Average equity | $4,613,500 | 4,306 |
| Average total loans | $37,649,000 | 4,043 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 1,435 |
| Cost of funding earning assets | 0.4882% | 4,006 |
| Net interest margin | 4.5736% | 560 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.8064% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7829% | 3,135 |
| Return on assets (ROA) | 0.7265% | 3,285 |
| Pretax return on assets | 0.9407% | 3,070 |
| Return on Equity (ROE) | 10.1700% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.9965% | 2,283 |
| Net charge-offs to loans | -0.0964% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.9948% | 915 |
| Assets per employee ($millions) | 3.6165% | 4,315 |
| Cash dividends to net income (ytd only)* | 31.1966% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,103 |
| Loan loss allowance to noncurrent loans | 255.2083% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 1,738 |
| Noncurrent loans to loans | 0.4956% | 1,471 |
| Net loans and leases to total assets | 58.7600% | 2,889 |
| Net loans and leases to deposits | 64.4435% | 3,168 |
| Net loans and leases to core deposits | 66.6893% | 3,313 |
| Total domestic deposits to total assets | 91.1900% | 592 |
| Equity capital to assets | 7.2292% | 3,677 |
| Core capital (leverage) ratio | 8.6921% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5427% | 1,416 |
| Memoranda: | ||
| Average total assets | $64,418,667 | 4,201 |
| Average earning assets | $58,990,333 | 4,188 |
| Average equity | $4,602,333 | 4,332 |
| Average total loans | $37,353,000 | 4,055 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 1,194 |
| Cost of funding earning assets | 0.4008% | 3,962 |
| Net interest margin | 4.6191% | 495 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.7890% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8188% | 3,138 |
| Return on assets (ROA) | 0.7054% | 3,408 |
| Pretax return on assets | 0.9114% | 3,208 |
| Return on Equity (ROE) | 9.9300% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.7685% | 2,562 |
| Net charge-offs to loans | -0.2073% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.2216% | 982 |
| Assets per employee ($millions) | 3.9654% | 4,272 |
| Cash dividends to net income (ytd only)* | 31.8584% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,504 |
| Loan loss allowance to noncurrent loans | 300.5587% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 1,741 |
| Noncurrent loans to loans | 0.4754% | 1,525 |
| Net loans and leases to total assets | 58.4900% | 2,824 |
| Net loans and leases to deposits | 64.4344% | 3,051 |
| Net loans and leases to core deposits | 66.7404% | 3,173 |
| Total domestic deposits to total assets | 90.7800% | 873 |
| Equity capital to assets | 7.4047% | 3,616 |
| Core capital (leverage) ratio | 8.6932% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7296% | 1,432 |
| Memoranda: | ||
| Average total assets | $64,079,500 | 4,263 |
| Average earning assets | $58,885,500 | 4,249 |
| Average equity | $4,550,500 | 4,396 |
| Average total loans | $36,658,000 | 4,121 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 1,146 |
| Cost of funding earning assets | 0.2891% | 2,967 |
| Net interest margin | 3.9682% | 829 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 3.8308% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3483% | 4,318 |
| Return on assets (ROA) | 0.3470% | 4,285 |
| Pretax return on assets | 0.4084% | 4,268 |
| Return on Equity (ROE) | 4.9200% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.0281% | 3,713 |
| Net charge-offs to loans | 0.0604% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 13.3500% | 2,074 |
| Efficiency ratio | 90.3331% | 293 |
| Assets per employee ($millions) | 4.6224% | 3,956 |
| Cash dividends to net income (ytd only)* | 38.4956% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,317 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 1,224 |
| Noncurrent loans to loans | 0.7626% | 982 |
| Net loans and leases to total assets | 54.3100% | 3,171 |
| Net loans and leases to deposits | 59.1044% | 3,385 |
| Net loans and leases to core deposits | 60.7460% | 3,467 |
| Total domestic deposits to total assets | 91.8900% | 670 |
| Equity capital to assets | 6.8039% | 3,768 |
| Core capital (leverage) ratio | 8.2341% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6883% | 1,437 |
| Memoranda: | ||
| Average total assets | $65,130,400 | 4,282 |
| Average earning assets | $59,145,800 | 4,277 |
| Average equity | $4,590,400 | 4,471 |
| Average total loans | $33,090,400 | 4,186 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 994 |
| Cost of funding earning assets | 0.2954% | 2,223 |
| Net interest margin | 3.8425% | 887 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.7464% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3209% | 4,359 |
| Return on assets (ROA) | 0.3209% | 4,311 |
| Pretax return on assets | 0.3740% | 4,296 |
| Return on Equity (ROE) | 4.5100% | 4,080 |
| Retained earnings to average equity (ytd only) | 2.8464% | 3,811 |
| Net charge-offs to loans | 0.0534% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 14.0769% | 1,868 |
| Efficiency ratio | 90.9226% | 299 |
| Assets per employee ($millions) | 4.1701% | 4,243 |
| Cash dividends to net income (ytd only)* | 36.9427% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,159 |
| Loan loss allowance to noncurrent loans | 497.1698% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,506 |
| Noncurrent loans to loans | 0.3128% | 2,128 |
| Net loans and leases to total assets | 50.0000% | 3,460 |
| Net loans and leases to deposits | 54.1225% | 3,592 |
| Net loans and leases to core deposits | 55.5685% | 3,651 |
| Total domestic deposits to total assets | 92.3800% | 753 |
| Equity capital to assets | 6.1809% | 3,889 |
| Core capital (leverage) ratio | 8.2000% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1053% | 1,400 |
| Memoranda: | ||
| Average total assets | $65,234,750 | 4,310 |
| Average earning assets | $59,126,750 | 4,307 |
| Average equity | $4,637,250 | 4,513 |
| Average total loans | $32,446,250 | 4,225 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 886 |
| Cost of funding earning assets | 0.2997% | 1,713 |
| Net interest margin | 3.7365% | 860 |
| Noninterest income to average assets | 0.6240% | 1,638 |
| Noninterest expense to average assets | 3.7443% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2441% | 4,368 |
| Return on assets (ROA) | 0.2441% | 4,331 |
| Pretax return on assets | 0.2688% | 4,336 |
| Return on Equity (ROE) | 3.2860% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.0797% | 3,727 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3025% | 311 |
| Assets per employee ($millions) | 4.0452% | 4,346 |
| Cash dividends to net income (ytd only)* | 36.7089% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,075 |
| Loan loss allowance to noncurrent loans | 182.4324% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 1,236 |
| Noncurrent loans to loans | 0.8978% | 938 |
| Net loans and leases to total assets | 50.1027% | 3,368 |
| Net loans and leases to deposits | 54.6340% | 3,499 |
| Net loans and leases to core deposits | 55.6685% | 3,593 |
| Total domestic deposits to total assets | 91.7062% | 961 |
| Equity capital to assets | 6.9002% | 3,820 |
| Core capital (leverage) ratio | 8.2303% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3073% | 1,357 |
| Memoranda: | ||
| Average total assets | $64,739,000 | 4,358 |
| Average earning assets | $58,718,000 | 4,369 |
| Average equity | $4,808,333 | 4,539 |
| Average total loans | $31,966,000 | 4,282 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 754 |
| Cost of funding earning assets | 0.2999% | 1,660 |
| Net interest margin | 3.7150% | 732 |
| Noninterest income to average assets | 0.5993% | 1,700 |
| Noninterest expense to average assets | 3.7191% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2286% | 4,287 |
| Return on assets (ROA) | 0.2286% | 4,252 |
| Pretax return on assets | 0.2471% | 4,272 |
| Return on Equity (ROE) | 2.9722% | 4,097 |
| Retained earnings to average equity (ytd only) | 0.6426% | 3,889 |
| Net charge-offs to loans | -0.2034% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7695% | 389 |
| Assets per employee ($millions) | 3.8102% | 4,468 |
| Cash dividends to net income (ytd only)* | 78.3784% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 977 |
| Loan loss allowance to noncurrent loans | 380.1370% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 2,294 |
| Noncurrent loans to loans | 0.4586% | 1,879 |
| Net loans and leases to total assets | 48.2979% | 3,352 |
| Net loans and leases to deposits | 52.8045% | 3,507 |
| Net loans and leases to core deposits | 54.0470% | 3,588 |
| Total domestic deposits to total assets | 91.4656% | 818 |
| Equity capital to assets | 7.2083% | 4,099 |
| Core capital (leverage) ratio | 8.3279% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5165% | 1,379 |
| Memoranda: | ||
| Average total assets | $64,747,000 | 4,381 |
| Average earning assets | $58,681,500 | 4,393 |
| Average equity | $4,979,500 | 4,563 |
| Average total loans | $31,465,000 | 4,301 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 1,309 |
| Cost of funding earning assets | 0.3951% | 1,577 |
| Net interest margin | 3.6278% | 1,392 |
| Noninterest income to average assets | 0.9552% | 1,085 |
| Noninterest expense to average assets | 3.8082% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3531% | 4,342 |
| Return on assets (ROA) | 0.3771% | 4,340 |
| Pretax return on assets | 0.4675% | 4,299 |
| Return on Equity (ROE) | 4.5330% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.8472% | 3,708 |
| Net charge-offs to loans | -0.1721% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6881% | 341 |
| Assets per employee ($millions) | 3.8071% | 4,493 |
| Cash dividends to net income (ytd only)* | 37.1901% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 973 |
| Loan loss allowance to noncurrent loans | 98.0000% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 691 |
| Noncurrent loans to loans | 1.7690% | 483 |
| Net loans and leases to total assets | 47.2057% | 3,580 |
| Net loans and leases to deposits | 52.1267% | 3,728 |
| Net loans and leases to core deposits | 53.3650% | 3,801 |
| Total domestic deposits to total assets | 90.5595% | 689 |
| Equity capital to assets | 8.1735% | 4,256 |
| Core capital (leverage) ratio | 8.2543% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1186% | 1,235 |
| Memoranda: | ||
| Average total assets | $64,176,800 | 4,400 |
| Average earning assets | $58,217,600 | 4,406 |
| Average equity | $5,338,600 | 4,597 |
| Average total loans | $31,378,000 | 4,353 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 1,427 |
| Cost of funding earning assets | 0.4063% | 1,653 |
| Net interest margin | 3.6432% | 1,484 |
| Noninterest income to average assets | 1.0805% | 947 |
| Noninterest expense to average assets | 3.8017% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4580% | 4,285 |
| Return on assets (ROA) | 0.4893% | 4,271 |
| Pretax return on assets | 0.6225% | 4,202 |
| Return on Equity (ROE) | 5.8557% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.4105% | 3,443 |
| Net charge-offs to loans | -0.2205% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7047% | 412 |
| Assets per employee ($millions) | 4.0364% | 4,430 |
| Cash dividends to net income (ytd only)* | 24.6809% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 976 |
| Loan loss allowance to noncurrent loans | 347.0968% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,581 |
| Noncurrent loans to loans | 0.5121% | 2,024 |
| Net loans and leases to total assets | 46.0369% | 3,793 |
| Net loans and leases to deposits | 51.0079% | 3,952 |
| Net loans and leases to core deposits | 52.2246% | 4,023 |
| Total domestic deposits to total assets | 90.2544% | 654 |
| Equity capital to assets | 8.3443% | 4,310 |
| Core capital (leverage) ratio | 8.3734% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7943% | 1,176 |
| Memoranda: | ||
| Average total assets | $64,040,750 | 4,463 |
| Average earning assets | $58,078,750 | 4,469 |
| Average equity | $5,350,750 | 4,662 |
| Average total loans | $31,449,750 | 4,414 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 1,764 |
| Cost of funding earning assets | 0.4334% | 1,632 |
| Net interest margin | 3.4880% | 1,889 |
| Noninterest income to average assets | 1.3122% | 674 |
| Noninterest expense to average assets | 3.8052% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5337% | 4,156 |
| Return on assets (ROA) | 0.5387% | 4,187 |
| Pretax return on assets | 0.6890% | 4,085 |
| Return on Equity (ROE) | 6.4444% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.3578% | 3,050 |
| Net charge-offs to loans | -0.3329% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7872% | 518 |
| Assets per employee ($millions) | 3.8251% | 4,538 |
| Cash dividends to net income (ytd only)* | 16.8605% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,049 |
| Loan loss allowance to noncurrent loans | 124.5370% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 1,114 |
| Noncurrent loans to loans | 1.3669% | 853 |
| Net loans and leases to total assets | 47.7763% | 3,748 |
| Net loans and leases to deposits | 52.8584% | 3,940 |
| Net loans and leases to core deposits | 55.2145% | 3,949 |
| Total domestic deposits to total assets | 90.3854% | 605 |
| Equity capital to assets | 8.2675% | 4,381 |
| Core capital (leverage) ratio | 8.2298% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3168% | 1,261 |
| Memoranda: | ||
| Average total assets | $63,860,000 | 4,491 |
| Average earning assets | $58,142,333 | 4,496 |
| Average equity | $5,338,000 | 4,691 |
| Average total loans | $31,843,000 | 4,435 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9317% | 1,750 |
| Cost of funding earning assets | 0.4515% | 1,712 |
| Net interest margin | 3.4802% | 1,882 |
| Noninterest income to average assets | 1.5740% | 562 |
| Noninterest expense to average assets | 3.8813% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6601% | 3,799 |
| Return on assets (ROA) | 0.6701% | 3,852 |
| Pretax return on assets | 0.8724% | 3,663 |
| Return on Equity (ROE) | 7.9714% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.9714% | 2,247 |
| Net charge-offs to loans | -0.6883% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8667% | 705 |
| Assets per employee ($millions) | 3.8359% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 1,135 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 1,036 |
| Noncurrent loans to loans | 1.3866% | 912 |
| Net loans and leases to total assets | 48.9381% | 3,716 |
| Net loans and leases to deposits | 54.0166% | 3,936 |
| Net loans and leases to core deposits | 56.4063% | 3,948 |
| Total domestic deposits to total assets | 90.5982% | 543 |
| Equity capital to assets | 8.1597% | 4,391 |
| Core capital (leverage) ratio | 8.5462% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1337% | 1,263 |
| Memoranda: | ||
| Average total assets | $63,277,000 | 4,516 |
| Average earning assets | $57,583,000 | 4,525 |
| Average equity | $5,319,000 | 4,713 |
| Average total loans | $31,962,000 | 4,451 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,026 |
| Cost of funding earning assets | 0.5498% | 2,615 |
| Net interest margin | 4.0871% | 807 |
| Noninterest income to average assets | 0.8166% | 1,485 |
| Noninterest expense to average assets | 4.1821% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2723% | 4,474 |
| Return on assets (ROA) | 0.4074% | 4,311 |
| Pretax return on assets | 0.4862% | 4,294 |
| Return on Equity (ROE) | 4.4801% | 4,034 |
| Retained earnings to average equity (ytd only) | 1.8824% | 3,876 |
| Net charge-offs to loans | 0.4021% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.4729% | 3,253 |
| Efficiency ratio | 92.7839% | 298 |
| Assets per employee ($millions) | 3.4079% | 4,689 |
| Cash dividends to net income (ytd only)* | 57.9832% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,455 |
| Loan loss allowance to noncurrent loans | 134.7222% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 1,341 |
| Noncurrent loans to loans | 1.1439% | 1,245 |
| Net loans and leases to total assets | 50.5127% | 3,786 |
| Net loans and leases to deposits | 56.0457% | 3,992 |
| Net loans and leases to core deposits | 58.3310% | 4,033 |
| Total domestic deposits to total assets | 90.1276% | 515 |
| Equity capital to assets | 8.6677% | 4,324 |
| Core capital (leverage) ratio | 8.6640% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6021% | 1,123 |
| Memoranda: | ||
| Average total assets | $58,415,800 | 4,534 |
| Average earning assets | $52,750,800 | 4,545 |
| Average equity | $5,312,400 | 4,715 |
| Average total loans | $32,082,400 | 4,480 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 941 |
| Cost of funding earning assets | 0.5537% | 2,906 |
| Net interest margin | 4.2091% | 714 |
| Noninterest income to average assets | 0.9315% | 1,150 |
| Noninterest expense to average assets | 4.2160% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4186% | 4,224 |
| Return on assets (ROA) | 0.5778% | 3,931 |
| Pretax return on assets | 0.7050% | 3,890 |
| Return on Equity (ROE) | 6.2758% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.5396% | 3,288 |
| Net charge-offs to loans | 0.5294% | 280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.7266% | 3,050 |
| Efficiency ratio | 89.1932% | 383 |
| Assets per employee ($millions) | 3.3449% | 4,726 |
| Cash dividends to net income (ytd only)* | 43.6000% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,373 |
| Loan loss allowance to noncurrent loans | 175.1799% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,042 |
| Noncurrent loans to loans | 0.8585% | 1,726 |
| Net loans and leases to total assets | 52.9755% | 3,893 |
| Net loans and leases to deposits | 59.0426% | 4,115 |
| Net loans and leases to core deposits | 61.5029% | 4,134 |
| Total domestic deposits to total assets | 89.7241% | 520 |
| Equity capital to assets | 8.9272% | 4,164 |
| Core capital (leverage) ratio | 8.8169% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9350% | 1,066 |
| Memoranda: | ||
| Average total assets | $57,684,000 | 4,559 |
| Average earning assets | $52,012,500 | 4,575 |
| Average equity | $5,311,250 | 4,740 |
| Average total loans | $32,235,250 | 4,503 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,160 |
| Cost of funding earning assets | 0.5726% | 3,119 |
| Net interest margin | 4.2339% | 850 |
| Noninterest income to average assets | 1.1118% | 805 |
| Noninterest expense to average assets | 4.3102% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5343% | 3,920 |
| Return on assets (ROA) | 0.5911% | 3,852 |
| Pretax return on assets | 0.6931% | 3,885 |
| Return on Equity (ROE) | 6.3516% | 3,380 |
| Retained earnings to average equity (ytd only) | 3.5917% | 3,128 |
| Net charge-offs to loans | 0.5903% | 264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.8737% | 2,822 |
| Efficiency ratio | 87.3129% | 486 |
| Assets per employee ($millions) | 3.2904% | 4,745 |
| Cash dividends to net income (ytd only)* | 43.4524% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 924 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 1,632 |
| Noncurrent loans to loans | 1.2286% | 1,275 |
| Net loans and leases to total assets | 52.7183% | 3,973 |
| Net loans and leases to deposits | 58.8599% | 4,174 |
| Net loans and leases to core deposits | 61.3547% | 4,196 |
| Total domestic deposits to total assets | 89.5657% | 546 |
| Equity capital to assets | 9.1055% | 3,992 |
| Core capital (leverage) ratio | 9.0445% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1268% | 1,033 |
| Memoranda: | ||
| Average total assets | $56,842,333 | 4,585 |
| Average earning assets | $51,347,667 | 4,601 |
| Average equity | $5,290,000 | 4,766 |
| Average total loans | $32,186,000 | 4,523 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 948 |
| Cost of funding earning assets | 0.6051% | 3,406 |
| Net interest margin | 4.4031% | 622 |
| Noninterest income to average assets | 1.2722% | 543 |
| Noninterest expense to average assets | 4.6002% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5931% | 3,615 |
| Return on assets (ROA) | 0.7188% | 3,292 |
| Pretax return on assets | 0.7835% | 3,456 |
| Return on Equity (ROE) | 7.6358% | 2,661 |
| Retained earnings to average equity (ytd only) | 4.8869% | 2,326 |
| Net charge-offs to loans | -0.0617% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6712% | 600 |
| Assets per employee ($millions) | 3.0926% | 4,751 |
| Cash dividends to net income (ytd only)* | 36.0000% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 564 |
| Loan loss allowance to noncurrent loans | 120.8984% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,130 |
| Noncurrent loans to loans | 1.6016% | 972 |
| Net loans and leases to total assets | 56.3152% | 3,814 |
| Net loans and leases to deposits | 63.1960% | 4,024 |
| Net loans and leases to core deposits | 66.0605% | 4,080 |
| Total domestic deposits to total assets | 89.1120% | 615 |
| Equity capital to assets | 9.5622% | 4,164 |
| Core capital (leverage) ratio | 9.3877% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0029% | 1,148 |
| Memoranda: | ||
| Average total assets | $55,649,500 | 4,614 |
| Average earning assets | $50,237,000 | 4,636 |
| Average equity | $5,238,500 | 4,810 |
| Average total loans | $32,407,000 | 4,549 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 1,263 |
| Cost of funding earning assets | 0.6348% | 3,489 |
| Net interest margin | 4.4437% | 815 |
| Noninterest income to average assets | 0.5732% | 2,350 |
| Noninterest expense to average assets | 4.1073% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3977% | 4,594 |
| Return on assets (ROA) | 0.3977% | 4,629 |
| Pretax return on assets | 0.5033% | 4,571 |
| Return on Equity (ROE) | 4.3872% | 4,375 |
| Retained earnings to average equity (ytd only) | 2.6679% | 3,705 |
| Net charge-offs to loans | 0.1546% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.5098% | 3,077 |
| Efficiency ratio | 89.0831% | 388 |
| Assets per employee ($millions) | 2.9280% | 4,853 |
| Cash dividends to net income (ytd only)* | 39.1892% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 584 |
| Loan loss allowance to noncurrent loans | 135.1648% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0947% | 1,117 |
| Noncurrent loans to loans | 1.3853% | 1,062 |
| Net loans and leases to total assets | 57.9361% | 3,773 |
| Net loans and leases to deposits | 64.7664% | 4,023 |
| Net loans and leases to core deposits | 67.6852% | 4,099 |
| Total domestic deposits to total assets | 89.4539% | 508 |
| Equity capital to assets | 9.2645% | 4,519 |
| Core capital (leverage) ratio | 9.2178% | 4,349 |
| Tier 1 risk-based capital ratio | 16.0158% | 2,404 |
| Total risk-based capital ratio | 17.2739% | 2,343 |
| Memoranda: | ||
| Average total assets | $55,826,800 | 4,653 |
| Average earning assets | $50,724,000 | 4,659 |
| Average equity | $5,060,200 | 4,872 |
| Average total loans | $32,998,800 | 4,582 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 1,323 |
| Cost of funding earning assets | 0.6234% | 3,565 |
| Net interest margin | 4.4584% | 842 |
| Noninterest income to average assets | 0.5727% | 2,343 |
| Noninterest expense to average assets | 3.9921% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4844% | 4,560 |
| Return on assets (ROA) | 0.4844% | 4,602 |
| Pretax return on assets | 0.6252% | 4,502 |
| Return on Equity (ROE) | 5.3737% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.8384% | 3,477 |
| Net charge-offs to loans | 0.0565% | 2,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 18.7102% | 2,040 |
| Efficiency ratio | 86.4599% | 476 |
| Assets per employee ($millions) | 2.9285% | 4,923 |
| Cash dividends to net income (ytd only)* | 28.5709% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 471 |
| Loan loss allowance to noncurrent loans | 130.1397% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 1,324 |
| Noncurrent loans to loans | 1.5353% | 979 |
| Net loans and leases to total assets | 57.4738% | 3,923 |
| Net loans and leases to deposits | 64.3687% | 4,153 |
| Net loans and leases to core deposits | 67.2676% | 4,204 |
| Total domestic deposits to total assets | 89.2885% | 523 |
| Equity capital to assets | 9.2953% | 4,599 |
| Core capital (leverage) ratio | 9.2445% | 4,436 |
| Tier 1 risk-based capital ratio | 16.3375% | 2,318 |
| Total risk-based capital ratio | 17.5961% | 2,251 |
| Memoranda: | ||
| Average total assets | $55,875,500 | 4,719 |
| Average earning assets | $50,689,250 | 4,732 |
| Average equity | $5,036,750 | 4,943 |
| Average total loans | $33,037,000 | 4,642 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 1,371 |
| Cost of funding earning assets | 0.6261% | 3,522 |
| Net interest margin | 4.4139% | 918 |
| Noninterest income to average assets | 0.5683% | 2,296 |
| Noninterest expense to average assets | 3.9211% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5040% | 4,520 |
| Return on assets (ROA) | 0.5040% | 4,555 |
| Pretax return on assets | 0.6541% | 4,438 |
| Return on Equity (ROE) | 5.6494% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.4875% | 3,025 |
| Net charge-offs to loans | 0.0121% | 2,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 738 |
| Efficiency ratio | 85.7031% | 562 |
| Assets per employee ($millions) | 3.2825% | 4,707 |
| Cash dividends to net income (ytd only)* | 20.5674% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 430 |
| Loan loss allowance to noncurrent loans | 115.3043% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 1,345 |
| Noncurrent loans to loans | 1.7767% | 850 |
| Net loans and leases to total assets | 56.8080% | 4,026 |
| Net loans and leases to deposits | 63.4114% | 4,253 |
| Net loans and leases to core deposits | 67.0077% | 4,262 |
| Total domestic deposits to total assets | 89.5864% | 454 |
| Equity capital to assets | 9.1592% | 4,690 |
| Core capital (leverage) ratio | 9.1865% | 4,475 |
| Tier 1 risk-based capital ratio | 16.1109% | 2,365 |
| Total risk-based capital ratio | 17.3693% | 2,306 |
| Memoranda: | ||
| Average total assets | $55,953,670 | 4,755 |
| Average earning assets | $50,794,000 | 4,765 |
| Average equity | $4,991,670 | 4,983 |
| Average total loans | $33,172,330 | 4,668 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,296 |
| Cost of funding earning assets | 0.6163% | 3,482 |
| Net interest margin | 4.4009% | 900 |
| Noninterest income to average assets | 0.5497% | 2,289 |
| Noninterest expense to average assets | 3.8623% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5069% | 4,504 |
| Return on assets (ROA) | 0.5069% | 4,524 |
| Pretax return on assets | 0.6639% | 4,389 |
| Return on Equity (ROE) | 5.7583% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.7583% | 2,567 |
| Net charge-offs to loans | 0.0596% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,620 |
| Efficiency ratio | 85.3312% | 623 |
| Assets per employee ($millions) | 3.3102% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 506 |
| Loan loss allowance to noncurrent loans | 136.6460% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 1,652 |
| Noncurrent loans to loans | 1.4601% | 1,106 |
| Net loans and leases to total assets | 57.6120% | 3,930 |
| Net loans and leases to deposits | 64.0749% | 4,176 |
| Net loans and leases to core deposits | 67.9707% | 4,180 |
| Total domestic deposits to total assets | 89.9135% | 484 |
| Equity capital to assets | 8.8835% | 4,761 |
| Core capital (leverage) ratio | 9.1000% | 4,572 |
| Tier 1 risk-based capital ratio | 16.2388% | 2,356 |
| Total risk-based capital ratio | 17.4985% | 2,300 |
| Memoranda: | ||
| Average total assets | $56,029,500 | 4,807 |
| Average earning assets | $50,626,000 | 4,817 |
| Average equity | $4,932,000 | 5,038 |
| Average total loans | $33,577,000 | 4,714 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 797 |
| Cost of funding earning assets | 0.5577% | 2,997 |
| Net interest margin | 4.5730% | 648 |
| Noninterest income to average assets | 0.5746% | 2,421 |
| Noninterest expense to average assets | 4.2204% | 394 |
| Loan and lease loss provision to assets | 0.2530% | 674 |
| Net operating income to assets | 0.1915% | 5,117 |
| Return on assets (ROA) | 0.1915% | 5,110 |
| Pretax return on assets | 0.2214% | 5,101 |
| Return on Equity (ROE) | 2.2807% | 5,007 |
| Retained earnings to average equity (ytd only) | 2.2807% | 4,243 |
| Net charge-offs to loans | 0.6197% | 276 |
| Credit loss provision to net charge-offs | 66.3594% | 3,036 |
| Earnings coverage of net charge-offs (x) | 1.2442% | 3,644 |
| Efficiency ratio | 89.8952% | 347 |
| Assets per employee ($millions) | 3.2815% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 515 |
| Loan loss allowance to noncurrent loans | 159.3301% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 1,658 |
| Noncurrent loans to loans | 1.2267% | 1,294 |
| Net loans and leases to total assets | 59.8860% | 3,790 |
| Net loans and leases to deposits | 66.5392% | 4,079 |
| Net loans and leases to core deposits | 70.6046% | 4,091 |
| Total domestic deposits to total assets | 90.0011% | 480 |
| Equity capital to assets | 8.7208% | 4,786 |
| Core capital (leverage) ratio | 8.8692% | 4,755 |
| Tier 1 risk-based capital ratio | 15.5056% | 2,618 |
| Total risk-based capital ratio | 16.7626% | 2,537 |
| Memoranda: | ||
| Average total assets | $56,913,600 | 4,819 |
| Average earning assets | $51,279,800 | 4,831 |
| Average equity | $4,779,200 | 5,080 |
| Average total loans | $35,017,200 | 4,683 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 775 |
| Cost of funding earning assets | 0.5348% | 2,963 |
| Net interest margin | 4.5548% | 662 |
| Noninterest income to average assets | 0.5851% | 2,387 |
| Noninterest expense to average assets | 4.1937% | 400 |
| Loan and lease loss provision to assets | 0.3357% | 413 |
| Net operating income to assets | 0.1515% | 5,230 |
| Return on assets (ROA) | 0.1515% | 5,223 |
| Pretax return on assets | 0.1655% | 5,223 |
| Return on Equity (ROE) | 1.8214% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.8214% | 4,631 |
| Net charge-offs to loans | 0.7526% | 186 |
| Credit loss provision to net charge-offs | 72.3618% | 2,609 |
| Earnings coverage of net charge-offs (x) | 1.0804% | 3,376 |
| Efficiency ratio | 89.3247% | 352 |
| Assets per employee ($millions) | 3.3145% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 536 |
| Loan loss allowance to noncurrent loans | 151.7778% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 877 |
| Noncurrent loans to loans | 1.2847% | 1,311 |
| Net loans and leases to total assets | 60.9538% | 3,752 |
| Net loans and leases to deposits | 67.4781% | 4,093 |
| Net loans and leases to core deposits | 71.5372% | 4,106 |
| Total domestic deposits to total assets | 90.3312% | 402 |
| Equity capital to assets | 8.4727% | 4,942 |
| Core capital (leverage) ratio | 8.8451% | 4,852 |
| Tier 1 risk-based capital ratio | 14.9702% | 2,897 |
| Total risk-based capital ratio | 16.2275% | 2,814 |
| Memoranda: | ||
| Average total assets | $57,195,500 | 4,863 |
| Average earning assets | $51,607,500 | 4,881 |
| Average equity | $4,757,750 | 5,146 |
| Average total loans | $35,253,000 | 4,730 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 763 |
| Cost of funding earning assets | 0.5305% | 2,762 |
| Net interest margin | 4.5016% | 701 |
| Noninterest income to average assets | 0.5602% | 2,516 |
| Noninterest expense to average assets | 4.0885% | 480 |
| Loan and lease loss provision to assets | 0.5011% | 226 |
| Net operating income to assets | 0.0592% | 5,314 |
| Return on assets (ROA) | 0.0592% | 5,307 |
| Pretax return on assets | 0.0452% | 5,318 |
| Return on Equity (ROE) | 0.7154% | 5,293 |
| Retained earnings to average equity (ytd only) | 0.7154% | 4,820 |
| Net charge-offs to loans | 1.1379% | 111 |
| Credit loss provision to net charge-offs | 71.6418% | 2,329 |
| Earnings coverage of net charge-offs (x) | 0.7811% | 3,105 |
| Efficiency ratio | 88.2132% | 454 |
| Assets per employee ($millions) | 3.1532% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 593 |
| Loan loss allowance to noncurrent loans | 122.2621% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 835 |
| Noncurrent loans to loans | 1.5817% | 1,030 |
| Net loans and leases to total assets | 60.8471% | 3,724 |
| Net loans and leases to deposits | 67.2424% | 4,080 |
| Net loans and leases to core deposits | 70.8323% | 4,096 |
| Total domestic deposits to total assets | 90.4893% | 400 |
| Equity capital to assets | 8.3496% | 5,048 |
| Core capital (leverage) ratio | 8.6421% | 5,003 |
| Tier 1 risk-based capital ratio | 14.9863% | 2,883 |
| Total risk-based capital ratio | 16.2450% | 2,798 |
| Memoranda: | ||
| Average total assets | $57,478,670 | 4,912 |
| Average earning assets | $52,026,000 | 4,930 |
| Average equity | $4,752,330 | 5,204 |
| Average total loans | $35,328,000 | 4,769 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 780 |
| Cost of funding earning assets | 0.5202% | 2,635 |
| Net interest margin | 4.4290% | 720 |
| Noninterest income to average assets | 0.5671% | 2,435 |
| Noninterest expense to average assets | 4.0388% | 504 |
| Loan and lease loss provision to assets | 0.5878% | 174 |
| Net operating income to assets | -0.0138% | 5,395 |
| Return on assets (ROA) | -0.0138% | 5,392 |
| Pretax return on assets | -0.0553% | 5,405 |
| Return on Equity (ROE) | -0.1681% | 5,392 |
| Retained earnings to average equity (ytd only) | -0.1681% | 4,818 |
| Net charge-offs to loans | 0.1809% | 806 |
| Credit loss provision to net charge-offs | 531.2500% | 562 |
| Earnings coverage of net charge-offs (x) | 4.8125% | 2,272 |
| Efficiency ratio | 88.3510% | 515 |
| Assets per employee ($millions) | 3.0417% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2841% | 331 |
| Loan loss allowance to noncurrent loans | 96.5352% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0176% | 564 |
| Noncurrent loans to loans | 2.3661% | 599 |
| Net loans and leases to total assets | 59.8128% | 3,766 |
| Net loans and leases to deposits | 66.0142% | 4,086 |
| Net loans and leases to core deposits | 69.4591% | 4,114 |
| Total domestic deposits to total assets | 90.6060% | 440 |
| Equity capital to assets | 8.1863% | 5,186 |
| Core capital (leverage) ratio | 8.5278% | 5,125 |
| Tier 1 risk-based capital ratio | 14.6661% | 3,044 |
| Total risk-based capital ratio | 15.9299% | 2,946 |
| Memoranda: | ||
| Average total assets | $57,839,500 | 4,966 |
| Average earning assets | $52,291,500 | 4,987 |
| Average equity | $4,759,000 | 5,256 |
| Average total loans | $35,384,000 | 4,819 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 660 |
| Cost of funding earning assets | 0.5274% | 2,115 |
| Net interest margin | 4.4623% | 680 |
| Noninterest income to average assets | 0.5097% | 2,940 |
| Noninterest expense to average assets | 3.9940% | 540 |
| Loan and lease loss provision to assets | 0.2114% | 941 |
| Net operating income to assets | 0.1330% | 5,215 |
| Return on assets (ROA) | 0.1330% | 5,223 |
| Pretax return on assets | 0.3426% | 5,165 |
| Return on Equity (ROE) | 1.6073% | 5,137 |
| Retained earnings to average equity (ytd only) | 0.2267% | 4,930 |
| Net charge-offs to loans | 0.0111% | 3,700 |
| Credit loss provision to net charge-offs | 3,100.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 81.2500% | 764 |
| Efficiency ratio | 87.8186% | 543 |
| Assets per employee ($millions) | 3.2159% | 5,016 |
| Cash dividends to net income (ytd only)* | 85.8974% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0852% | 456 |
| Loan loss allowance to noncurrent loans | 79.7838% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.0402% | 546 |
| Noncurrent loans to loans | 2.6135% | 495 |
| Net loans and leases to total assets | 59.8666% | 3,846 |
| Net loans and leases to deposits | 66.1216% | 4,182 |
| Net loans and leases to core deposits | 69.5632% | 4,200 |
| Total domestic deposits to total assets | 90.5402% | 383 |
| Equity capital to assets | 8.3058% | 5,257 |
| Core capital (leverage) ratio | 8.5245% | 5,114 |
| Tier 1 risk-based capital ratio | 14.5980% | 3,042 |
| Total risk-based capital ratio | 15.8588% | 2,962 |
| Memoranda: | ||
| Average total assets | $58,663,600 | 4,991 |
| Average earning assets | $53,089,200 | 5,015 |
| Average equity | $4,852,800 | 5,297 |
| Average total loans | $36,139,400 | 4,839 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 656 |
| Cost of funding earning assets | 0.5231% | 2,087 |
| Net interest margin | 4.4427% | 674 |
| Noninterest income to average assets | 0.4961% | 3,049 |
| Noninterest expense to average assets | 3.8714% | 619 |
| Loan and lease loss provision to assets | 0.2809% | 580 |
| Net operating income to assets | 0.2741% | 5,262 |
| Return on assets (ROA) | 0.2741% | 5,281 |
| Pretax return on assets | 0.3647% | 5,237 |
| Return on Equity (ROE) | 3.3168% | 5,035 |
| Retained earnings to average equity (ytd only) | 1.7270% | 4,731 |
| Net charge-offs to loans | 0.0257% | 2,928 |
| Credit loss provision to net charge-offs | 1,771.4286% | 224 |
| Earnings coverage of net charge-offs (x) | 40.7278% | 1,280 |
| Efficiency ratio | 85.7071% | 646 |
| Assets per employee ($millions) | 3.2259% | 5,042 |
| Cash dividends to net income (ytd only)* | 47.9328% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 499 |
| Loan loss allowance to noncurrent loans | 99.3243% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 837 |
| Noncurrent loans to loans | 2.0854% | 801 |
| Net loans and leases to total assets | 59.8429% | 3,882 |
| Net loans and leases to deposits | 66.2731% | 4,234 |
| Net loans and leases to core deposits | 69.7155% | 4,255 |
| Total domestic deposits to total assets | 90.2974% | 378 |
| Equity capital to assets | 8.4471% | 5,321 |
| Core capital (leverage) ratio | 8.5283% | 5,226 |
| Tier 1 risk-based capital ratio | 14.7707% | 3,023 |
| Total risk-based capital ratio | 16.0297% | 2,955 |
| Memoranda: | ||
| Average total assets | $58,857,750 | 5,042 |
| Average earning assets | $53,269,500 | 5,067 |
| Average equity | $4,864,000 | 5,352 |
| Average total loans | $36,326,000 | 4,888 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 610 |
| Cost of funding earning assets | 0.5345% | 1,882 |
| Net interest margin | 4.4176% | 679 |
| Noninterest income to average assets | 0.4499% | 3,351 |
| Noninterest expense to average assets | 3.7245% | 750 |
| Loan and lease loss provision to assets | 0.2909% | 536 |
| Net operating income to assets | 0.3146% | 5,187 |
| Return on assets (ROA) | 0.3146% | 5,210 |
| Pretax return on assets | 0.4330% | 5,109 |
| Return on Equity (ROE) | 3.8348% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.6390% | 4,121 |
| Net charge-offs to loans | -0.0219% | 4,811 |
| Credit loss provision to net charge-offs | -2,150.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7262% | 866 |
| Assets per employee ($millions) | 3.2660% | 5,014 |
| Cash dividends to net income (ytd only)* | 31.1828% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 622 |
| Loan loss allowance to noncurrent loans | 135.6322% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 1,233 |
| Noncurrent loans to loans | 1.4626% | 1,291 |
| Net loans and leases to total assets | 59.5053% | 3,886 |
| Net loans and leases to deposits | 65.7297% | 4,242 |
| Net loans and leases to core deposits | 69.0866% | 4,293 |
| Total domestic deposits to total assets | 90.5304% | 348 |
| Equity capital to assets | 8.3486% | 5,385 |
| Core capital (leverage) ratio | 8.4826% | 5,229 |
| Tier 1 risk-based capital ratio | 14.8928% | 2,976 |
| Total risk-based capital ratio | 16.1529% | 2,903 |
| Memoranda: | ||
| Average total assets | $59,121,330 | 5,073 |
| Average earning assets | $53,512,670 | 5,095 |
| Average equity | $4,850,330 | 5,393 |
| Average total loans | $36,606,670 | 4,912 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 568 |
| Cost of funding earning assets | 0.5393% | 1,792 |
| Net interest margin | 4.4116% | 623 |
| Noninterest income to average assets | 0.4925% | 3,028 |
| Noninterest expense to average assets | 3.5353% | 994 |
| Loan and lease loss provision to assets | 0.5667% | 173 |
| Net operating income to assets | 0.2699% | 5,265 |
| Return on assets (ROA) | 0.2699% | 5,281 |
| Pretax return on assets | 0.3643% | 5,216 |
| Return on Equity (ROE) | 3.3185% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.3185% | 3,778 |
| Net charge-offs to loans | -0.0324% | 4,965 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1541% | 1,466 |
| Assets per employee ($millions) | 3.4769% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 784 |
| Loan loss allowance to noncurrent loans | 134.4762% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7629% | 823 |
| Noncurrent loans to loans | 1.4173% | 1,425 |
| Net loans and leases to total assets | 61.4756% | 3,604 |
| Net loans and leases to deposits | 67.7689% | 4,013 |
| Net loans and leases to core deposits | 71.1974% | 4,057 |
| Total domestic deposits to total assets | 90.7136% | 387 |
| Equity capital to assets | 8.2205% | 5,401 |
| Core capital (leverage) ratio | 8.3352% | 5,356 |
| Tier 1 risk-based capital ratio | 14.2812% | 3,327 |
| Total risk-based capital ratio | 15.5389% | 3,241 |
| Memoranda: | ||
| Average total assets | $59,288,000 | 5,126 |
| Average earning assets | $53,404,500 | 5,151 |
| Average equity | $4,821,500 | 5,453 |
| Average total loans | $37,065,000 | 4,942 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 378 |
| Cost of funding earning assets | 0.6541% | 1,031 |
| Net interest margin | 4.6031% | 509 |
| Noninterest income to average assets | 0.4812% | 3,339 |
| Noninterest expense to average assets | 4.0609% | 553 |
| Loan and lease loss provision to assets | 0.3554% | 473 |
| Net operating income to assets | 0.1823% | 5,447 |
| Return on assets (ROA) | 0.2109% | 5,459 |
| Pretax return on assets | 0.2517% | 5,427 |
| Return on Equity (ROE) | 2.5935% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.5935% | 4,044 |
| Net charge-offs to loans | 0.2111% | 1,317 |
| Credit loss provision to net charge-offs | 258.0247% | 1,120 |
| Earnings coverage of net charge-offs (x) | 4.1605% | 3,544 |
| Efficiency ratio | 87.6330% | 703 |
| Assets per employee ($millions) | 3.4981% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 1,209 |
| Loan loss allowance to noncurrent loans | 134.8584% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 951 |
| Noncurrent loans to loans | 1.2376% | 1,658 |
| Net loans and leases to total assets | 61.3237% | 3,684 |
| Net loans and leases to deposits | 67.4946% | 4,129 |
| Net loans and leases to core deposits | 70.8708% | 4,161 |
| Total domestic deposits to total assets | 90.8573% | 325 |
| Equity capital to assets | 8.0447% | 5,544 |
| Core capital (leverage) ratio | 8.2937% | 5,442 |
| Tier 1 risk-based capital ratio | 14.0516% | 3,435 |
| Total risk-based capital ratio | 15.3079% | 3,346 |
| Memoranda: | ||
| Average total assets | $58,805,400 | 5,167 |
| Average earning assets | $53,051,200 | 5,188 |
| Average equity | $4,781,200 | 5,508 |
| Average total loans | $38,371,400 | 4,932 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 362 |
| Cost of funding earning assets | 0.6640% | 983 |
| Net interest margin | 4.6478% | 468 |
| Noninterest income to average assets | 0.4684% | 3,436 |
| Noninterest expense to average assets | 3.9949% | 592 |
| Loan and lease loss provision to assets | 0.4752% | 271 |
| Net operating income to assets | 0.1683% | 5,521 |
| Return on assets (ROA) | 0.2046% | 5,519 |
| Pretax return on assets | 0.2433% | 5,528 |
| Return on Equity (ROE) | 2.5102% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.5102% | 4,415 |
| Net charge-offs to loans | 0.2860% | 799 |
| Credit loss provision to net charge-offs | 251.8072% | 1,191 |
| Earnings coverage of net charge-offs (x) | 3.5784% | 3,390 |
| Efficiency ratio | 85.5404% | 864 |
| Assets per employee ($millions) | 3.4829% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,320 |
| Loan loss allowance to noncurrent loans | 200.6515% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.6095% | 1,084 |
| Noncurrent loans to loans | 0.8241% | 2,611 |
| Net loans and leases to total assets | 61.8781% | 3,651 |
| Net loans and leases to deposits | 68.2959% | 4,124 |
| Net loans and leases to core deposits | 71.7309% | 4,182 |
| Total domestic deposits to total assets | 90.6029% | 297 |
| Equity capital to assets | 8.2199% | 5,663 |
| Core capital (leverage) ratio | 8.2264% | 5,556 |
| Tier 1 risk-based capital ratio | 13.8765% | 3,623 |
| Total risk-based capital ratio | 15.1315% | 3,545 |
| Memoranda: | ||
| Average total assets | $58,639,750 | 5,212 |
| Average earning assets | $53,012,500 | 5,232 |
| Average equity | $4,780,500 | 5,562 |
| Average total loans | $38,692,500 | 4,966 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 283 |
| Cost of funding earning assets | 0.6896% | 849 |
| Net interest margin | 4.7437% | 401 |
| Noninterest income to average assets | 0.4722% | 3,392 |
| Noninterest expense to average assets | 3.9009% | 678 |
| Loan and lease loss provision to assets | 0.7152% | 155 |
| Net operating income to assets | 0.1335% | 5,630 |
| Return on assets (ROA) | 0.1335% | 5,675 |
| Pretax return on assets | 0.1403% | 5,680 |
| Return on Equity (ROE) | 1.6397% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.6397% | 4,728 |
| Net charge-offs to loans | 0.4238% | 536 |
| Credit loss provision to net charge-offs | 251.8072% | 1,095 |
| Earnings coverage of net charge-offs (x) | 3.0120% | 3,181 |
| Efficiency ratio | 82.0144% | 1,267 |
| Assets per employee ($millions) | 3.4533% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 1,516 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 1,268 |
| Noncurrent loans to loans | 0.5157% | 3,537 |
| Net loans and leases to total assets | 64.3512% | 3,312 |
| Net loans and leases to deposits | 70.9873% | 3,887 |
| Net loans and leases to core deposits | 74.6719% | 3,934 |
| Total domestic deposits to total assets | 90.6517% | 275 |
| Equity capital to assets | 8.2394% | 5,721 |
| Core capital (leverage) ratio | 8.1392% | 5,641 |
| Tier 1 risk-based capital ratio | 13.4137% | 3,959 |
| Total risk-based capital ratio | 14.6674% | 3,867 |
| Memoranda: | ||
| Average total assets | $58,448,330 | 5,279 |
| Average earning assets | $52,786,000 | 5,294 |
| Average equity | $4,757,000 | 5,624 |
| Average total loans | $39,172,000 | 4,998 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 292 |
| Cost of funding earning assets | 0.7256% | 711 |
| Net interest margin | 4.6821% | 436 |
| Noninterest income to average assets | 0.3772% | 4,010 |
| Noninterest expense to average assets | 3.8889% | 694 |
| Loan and lease loss provision to assets | 1.4335% | 61 |
| Net operating income to assets | -0.5624% | 5,977 |
| Return on assets (ROA) | -0.5624% | 5,984 |
| Pretax return on assets | -0.7407% | 5,998 |
| Return on Equity (ROE) | -6.9536% | 6,001 |
| Retained earnings to average equity (ytd only) | -6.9536% | 5,716 |
| Net charge-offs to loans | 0.8797% | 229 |
| Credit loss provision to net charge-offs | 240.2299% | 966 |
| Earnings coverage of net charge-offs (x) | 1.1609% | 2,856 |
| Efficiency ratio | 84.8802% | 1,077 |
| Assets per employee ($millions) | 3.4884% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,723 |
| Loan loss allowance to noncurrent loans | 204.3333% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 1,125 |
| Noncurrent loans to loans | 0.7675% | 2,919 |
| Net loans and leases to total assets | 64.8815% | 3,124 |
| Net loans and leases to deposits | 71.2387% | 3,726 |
| Net loans and leases to core deposits | 75.2734% | 3,750 |
| Total domestic deposits to total assets | 91.0762% | 252 |
| Equity capital to assets | 7.9019% | 5,857 |
| Core capital (leverage) ratio | 8.0257% | 5,759 |
| Tier 1 risk-based capital ratio | 12.8285% | 4,375 |
| Total risk-based capital ratio | 14.0837% | 4,284 |
| Memoranda: | ||
| Average total assets | $58,319,500 | 5,332 |
| Average earning assets | $52,370,000 | 5,355 |
| Average equity | $4,717,000 | 5,676 |
| Average total loans | $39,561,000 | 5,023 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 221 |
| Cost of funding earning assets | 0.7883% | 529 |
| Net interest margin | 4.8471% | 331 |
| Noninterest income to average assets | 0.3997% | 4,039 |
| Noninterest expense to average assets | 4.4509% | 424 |
| Loan and lease loss provision to assets | 0.4873% | 237 |
| Net operating income to assets | -0.0844% | 5,918 |
| Return on assets (ROA) | -0.0631% | 5,930 |
| Pretax return on assets | -0.1613% | 5,953 |
| Return on Equity (ROE) | -0.7615% | 5,930 |
| Retained earnings to average equity (ytd only) | -0.7615% | 5,630 |
| Net charge-offs to loans | 0.6636% | 362 |
| Credit loss provision to net charge-offs | 100.3610% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.6029% | 4,204 |
| Efficiency ratio | 93.8285% | 493 |
| Assets per employee ($millions) | 3.1854% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 3,309 |
| Loan loss allowance to noncurrent loans | 91.7757% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 757 |
| Noncurrent loans to loans | 1.3364% | 1,764 |
| Net loans and leases to total assets | 68.9642% | 2,551 |
| Net loans and leases to deposits | 76.0672% | 3,242 |
| Net loans and leases to core deposits | 80.5385% | 3,291 |
| Total domestic deposits to total assets | 90.6622% | 392 |
| Equity capital to assets | 8.2809% | 5,718 |
| Core capital (leverage) ratio | 8.3371% | 5,575 |
| Tier 1 risk-based capital ratio | 12.8983% | 4,388 |
| Total risk-based capital ratio | 14.1492% | 4,279 |
| Memoranda: | ||
| Average total assets | $57,045,000 | 5,379 |
| Average earning assets | $51,123,600 | 5,407 |
| Average equity | $4,727,600 | 5,716 |
| Average total loans | $41,741,600 | 4,945 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 213 |
| Cost of funding earning assets | 0.7891% | 525 |
| Net interest margin | 4.8729% | 327 |
| Noninterest income to average assets | 0.3627% | 4,333 |
| Noninterest expense to average assets | 4.4255% | 429 |
| Loan and lease loss provision to assets | 0.6506% | 128 |
| Net operating income to assets | -0.2504% | 6,064 |
| Return on assets (ROA) | -0.2504% | 6,082 |
| Pretax return on assets | -0.3487% | 6,100 |
| Return on Equity (ROE) | -3.0209% | 6,104 |
| Retained earnings to average equity (ytd only) | -3.0209% | 5,937 |
| Net charge-offs to loans | 0.8379% | 239 |
| Credit loss provision to net charge-offs | 104.9057% | 2,186 |
| Earnings coverage of net charge-offs (x) | 0.4868% | 3,943 |
| Efficiency ratio | 93.6139% | 501 |
| Assets per employee ($millions) | 2.9698% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,469 |
| Loan loss allowance to noncurrent loans | 78.2609% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.5272% | 681 |
| Noncurrent loans to loans | 1.5740% | 1,585 |
| Net loans and leases to total assets | 71.6177% | 2,119 |
| Net loans and leases to deposits | 79.1348% | 2,974 |
| Net loans and leases to core deposits | 83.8594% | 3,056 |
| Total domestic deposits to total assets | 90.5008% | 384 |
| Equity capital to assets | 8.3330% | 5,811 |
| Core capital (leverage) ratio | 8.2139% | 5,765 |
| Tier 1 risk-based capital ratio | 12.4791% | 4,770 |
| Total risk-based capital ratio | 13.7288% | 4,670 |
| Memoranda: | ||
| Average total assets | $56,972,000 | 5,453 |
| Average earning assets | $51,028,750 | 5,484 |
| Average equity | $4,722,500 | 5,794 |
| Average total loans | $42,168,750 | 4,987 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6749% | 206 |
| Cost of funding earning assets | 0.7933% | 520 |
| Net interest margin | 4.8816% | 309 |
| Noninterest income to average assets | 0.4934% | 3,424 |
| Noninterest expense to average assets | 4.5176% | 417 |
| Loan and lease loss provision to assets | 0.9728% | 75 |
| Net operating income to assets | -0.4864% | 6,188 |
| Return on assets (ROA) | -0.4864% | 6,196 |
| Pretax return on assets | -0.6474% | 6,210 |
| Return on Equity (ROE) | -5.8782% | 6,207 |
| Retained earnings to average equity (ytd only) | -5.8782% | 6,058 |
| Net charge-offs to loans | 1.2539% | 146 |
| Credit loss provision to net charge-offs | 104.1199% | 1,995 |
| Earnings coverage of net charge-offs (x) | 0.3483% | 3,671 |
| Efficiency ratio | 93.2803% | 554 |
| Assets per employee ($millions) | 3.0211% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 3,673 |
| Loan loss allowance to noncurrent loans | 90.4505% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 3.0261% | 552 |
| Noncurrent loans to loans | 1.3494% | 1,996 |
| Net loans and leases to total assets | 70.7787% | 2,195 |
| Net loans and leases to deposits | 77.9400% | 3,036 |
| Net loans and leases to core deposits | 82.4796% | 3,126 |
| Total domestic deposits to total assets | 90.8118% | 352 |
| Equity capital to assets | 8.1010% | 5,933 |
| Core capital (leverage) ratio | 8.1061% | 5,869 |
| Tier 1 risk-based capital ratio | 12.2000% | 5,003 |
| Total risk-based capital ratio | 13.4485% | 4,900 |
| Memoranda: | ||
| Average total assets | $57,154,000 | 5,512 |
| Average earning assets | $50,925,670 | 5,542 |
| Average equity | $4,729,330 | 5,847 |
| Average total loans | $42,586,670 | 5,008 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 183 |
| Cost of funding earning assets | 0.8089% | 476 |
| Net interest margin | 4.9243% | 284 |
| Noninterest income to average assets | 0.5120% | 3,212 |
| Noninterest expense to average assets | 4.5940% | 403 |
| Loan and lease loss provision to assets | 0.8767% | 98 |
| Net operating income to assets | -0.4208% | 6,221 |
| Return on assets (ROA) | -0.4208% | 6,237 |
| Pretax return on assets | -0.5611% | 6,255 |
| Return on Equity (ROE) | -5.0325% | 6,260 |
| Retained earnings to average equity (ytd only) | -5.0325% | 5,940 |
| Net charge-offs to loans | 0.6002% | 405 |
| Credit loss provision to net charge-offs | 192.3077% | 1,080 |
| Earnings coverage of net charge-offs (x) | 0.6923% | 3,019 |
| Efficiency ratio | 93.5714% | 619 |
| Assets per employee ($millions) | 3.0179% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 3,546 |
| Loan loss allowance to noncurrent loans | 37.0121% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 3.6658% | 437 |
| Noncurrent loans to loans | 3.4472% | 561 |
| Net loans and leases to total assets | 74.2191% | 1,466 |
| Net loans and leases to deposits | 81.8880% | 2,346 |
| Net loans and leases to core deposits | 86.1812% | 2,525 |
| Total domestic deposits to total assets | 90.6350% | 481 |
| Equity capital to assets | 8.2820% | 5,882 |
| Core capital (leverage) ratio | 8.3446% | 5,685 |
| Tier 1 risk-based capital ratio | 12.0460% | 5,206 |
| Total risk-based capital ratio | 13.2964% | 5,107 |
| Memoranda: | ||
| Average total assets | $57,031,000 | 5,571 |
| Average earning assets | $50,931,000 | 5,593 |
| Average equity | $4,769,000 | 5,890 |
| Average total loans | $43,315,500 | 5,007 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0061% | 153 |
| Cost of funding earning assets | 0.8512% | 503 |
| Net interest margin | 5.1549% | 226 |
| Noninterest income to average assets | 0.5451% | 3,200 |
| Noninterest expense to average assets | 4.6622% | 404 |
| Loan and lease loss provision to assets | 0.5273% | 276 |
| Net operating income to assets | 0.0606% | 6,008 |
| Return on assets (ROA) | 0.0606% | 6,033 |
| Pretax return on assets | -0.0267% | 6,112 |
| Return on Equity (ROE) | 0.7026% | 6,008 |
| Retained earnings to average equity (ytd only) | -1.5498% | 5,970 |
| Net charge-offs to loans | 0.5851% | 686 |
| Credit loss provision to net charge-offs | 116.0784% | 2,059 |
| Earnings coverage of net charge-offs (x) | 1.1020% | 4,494 |
| Efficiency ratio | 90.3037% | 822 |
| Assets per employee ($millions) | 2.9853% | 5,718 |
| Cash dividends to net income (ytd only)* | 320.5882% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 4,412 |
| Loan loss allowance to noncurrent loans | 42.8322% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 3.3462% | 565 |
| Noncurrent loans to loans | 2.6285% | 939 |
| Net loans and leases to total assets | 75.8678% | 1,287 |
| Net loans and leases to deposits | 83.7739% | 2,241 |
| Net loans and leases to core deposits | 88.2077% | 2,475 |
| Total domestic deposits to total assets | 90.5626% | 515 |
| Equity capital to assets | 8.4431% | 5,798 |
| Core capital (leverage) ratio | 8.4252% | 5,639 |
| Tier 1 risk-based capital ratio | 11.8803% | 5,440 |
| Total risk-based capital ratio | 13.0931% | 5,374 |
| Memoranda: | ||
| Average total assets | $56,131,800 | 5,648 |
| Average earning assets | $50,282,400 | 5,669 |
| Average equity | $4,839,400 | 5,900 |
| Average total loans | $43,580,000 | 5,051 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 147 |
| Cost of funding earning assets | 0.8472% | 547 |
| Net interest margin | 5.2083% | 201 |
| Noninterest income to average assets | 0.5478% | 3,215 |
| Noninterest expense to average assets | 4.5773% | 422 |
| Loan and lease loss provision to assets | 0.3287% | 565 |
| Net operating income to assets | 0.2572% | 5,719 |
| Return on assets (ROA) | 0.2572% | 5,780 |
| Pretax return on assets | 0.3120% | 5,753 |
| Return on Equity (ROE) | 2.9678% | 5,547 |
| Retained earnings to average equity (ytd only) | 0.5771% | 5,637 |
| Net charge-offs to loans | 0.2477% | 1,556 |
| Credit loss provision to net charge-offs | 170.3704% | 1,449 |
| Earnings coverage of net charge-offs (x) | 3.3209% | 3,688 |
| Efficiency ratio | 87.7225% | 1,026 |
| Assets per employee ($millions) | 2.8201% | 5,944 |
| Cash dividends to net income (ytd only)* | 80.5556% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 4,512 |
| Loan loss allowance to noncurrent loans | 69.7931% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.1294% | 1,314 |
| Noncurrent loans to loans | 1.6448% | 1,982 |
| Net loans and leases to total assets | 77.2522% | 1,057 |
| Net loans and leases to deposits | 85.7410% | 1,935 |
| Net loans and leases to core deposits | 90.3157% | 2,192 |
| Total domestic deposits to total assets | 90.0995% | 687 |
| Equity capital to assets | 8.6488% | 5,679 |
| Core capital (leverage) ratio | 8.6809% | 5,463 |
| Tier 1 risk-based capital ratio | 12.1597% | 5,396 |
| Total risk-based capital ratio | 13.4090% | 5,312 |
| Memoranda: | ||
| Average total assets | $55,984,500 | 5,712 |
| Average earning assets | $50,200,750 | 5,731 |
| Average equity | $4,852,000 | 5,953 |
| Average total loans | $43,594,250 | 5,108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9878% | 151 |
| Cost of funding earning assets | 0.8463% | 566 |
| Net interest margin | 5.1415% | 223 |
| Noninterest income to average assets | 0.5408% | 3,201 |
| Noninterest expense to average assets | 4.4623% | 464 |
| Loan and lease loss provision to assets | 0.3760% | 459 |
| Net operating income to assets | 0.2614% | 5,686 |
| Return on assets (ROA) | 0.2614% | 5,760 |
| Pretax return on assets | 0.3152% | 5,757 |
| Return on Equity (ROE) | 3.0145% | 5,527 |
| Retained earnings to average equity (ytd only) | 0.6194% | 5,486 |
| Net charge-offs to loans | 0.3223% | 1,261 |
| Credit loss provision to net charge-offs | 150.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 2.7571% | 3,474 |
| Efficiency ratio | 86.5879% | 1,212 |
| Assets per employee ($millions) | 2.8070% | 6,017 |
| Cash dividends to net income (ytd only)* | 79.4521% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,938 |
| Loan loss allowance to noncurrent loans | 72.1973% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.1803% | 1,406 |
| Noncurrent loans to loans | 1.5164% | 2,296 |
| Net loans and leases to total assets | 77.7253% | 943 |
| Net loans and leases to deposits | 86.2403% | 1,798 |
| Net loans and leases to core deposits | 90.6607% | 2,060 |
| Total domestic deposits to total assets | 90.1265% | 746 |
| Equity capital to assets | 8.6801% | 5,632 |
| Core capital (leverage) ratio | 8.7506% | 5,339 |
| Tier 1 risk-based capital ratio | 12.1124% | 5,478 |
| Total risk-based capital ratio | 13.3086% | 5,441 |
| Memoranda: | ||
| Average total assets | $55,845,670 | 5,766 |
| Average earning assets | $50,101,670 | 5,782 |
| Average equity | $4,843,330 | 5,991 |
| Average total loans | $43,433,330 | 5,153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9652% | 149 |
| Cost of funding earning assets | 0.8407% | 610 |
| Net interest margin | 5.1245% | 216 |
| Noninterest income to average assets | 0.5458% | 3,077 |
| Noninterest expense to average assets | 4.5172% | 452 |
| Loan and lease loss provision to assets | 0.4381% | 365 |
| Net operating income to assets | 0.1795% | 5,855 |
| Return on assets (ROA) | 0.1795% | 5,897 |
| Pretax return on assets | 0.1867% | 5,937 |
| Return on Equity (ROE) | 2.0710% | 5,762 |
| Retained earnings to average equity (ytd only) | -0.3314% | 5,619 |
| Net charge-offs to loans | 0.2135% | 1,474 |
| Credit loss provision to net charge-offs | 265.2174% | 870 |
| Earnings coverage of net charge-offs (x) | 3.7826% | 2,631 |
| Efficiency ratio | 87.8492% | 1,241 |
| Assets per employee ($millions) | 2.7919% | 6,107 |
| Cash dividends to net income (ytd only)* | 116.0000% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 4,902 |
| Loan loss allowance to noncurrent loans | 87.2760% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.1312% | 1,576 |
| Noncurrent loans to loans | 1.3100% | 2,840 |
| Net loans and leases to total assets | 75.4110% | 1,071 |
| Net loans and leases to deposits | 83.5460% | 1,868 |
| Net loans and leases to core deposits | 86.9282% | 2,207 |
| Total domestic deposits to total assets | 90.2629% | 932 |
| Equity capital to assets | 8.6590% | 5,487 |
| Core capital (leverage) ratio | 8.8091% | 5,253 |
| Tier 1 risk-based capital ratio | 12.2698% | 5,461 |
| Total risk-based capital ratio | 13.4966% | 5,409 |
| Memoranda: | ||
| Average total assets | $55,698,500 | 5,823 |
| Average earning assets | $49,956,000 | 5,841 |
| Average equity | $4,828,500 | 6,038 |
| Average total loans | $43,091,000 | 5,203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 163 |
| Cost of funding earning assets | 0.9240% | 654 |
| Net interest margin | 5.1089% | 253 |
| Noninterest income to average assets | 0.3879% | 4,532 |
| Noninterest expense to average assets | 4.3127% | 623 |
| Loan and lease loss provision to assets | 0.5933% | 422 |
| Net operating income to assets | 0.0443% | 6,143 |
| Return on assets (ROA) | 0.0443% | 6,189 |
| Pretax return on assets | 0.0354% | 6,177 |
| Return on Equity (ROE) | 0.5128% | 6,164 |
| Retained earnings to average equity (ytd only) | -1.2718% | 6,099 |
| Net charge-offs to loans | 0.8273% | 746 |
| Credit loss provision to net charge-offs | 94.3662% | 2,645 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,741 |
| Efficiency ratio | 87.2760% | 1,293 |
| Assets per employee ($millions) | 2.9242% | 5,954 |
| Cash dividends to net income (ytd only)* | 348.0000% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 5,418 |
| Loan loss allowance to noncurrent loans | 140.7524% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 2.1527% | 1,655 |
| Noncurrent loans to loans | 0.7319% | 4,128 |
| Net loans and leases to total assets | 77.6436% | 866 |
| Net loans and leases to deposits | 85.9134% | 1,697 |
| Net loans and leases to core deposits | 89.3959% | 2,093 |
| Total domestic deposits to total assets | 90.3742% | 893 |
| Equity capital to assets | 8.6791% | 5,397 |
| Core capital (leverage) ratio | 8.6767% | 5,440 |
| Tier 1 risk-based capital ratio | 12.1055% | 5,555 |
| Total risk-based capital ratio | 13.2204% | 5,567 |
| Memoranda: | ||
| Average total assets | $56,461,000 | 5,850 |
| Average earning assets | $50,324,400 | 5,874 |
| Average equity | $4,874,800 | 6,098 |
| Average total loans | $42,910,400 | 5,237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0026% | 178 |
| Cost of funding earning assets | 0.9278% | 716 |
| Net interest margin | 5.0749% | 278 |
| Noninterest income to average assets | 0.4210% | 4,364 |
| Noninterest expense to average assets | 4.2808% | 645 |
| Loan and lease loss provision to assets | 0.6233% | 377 |
| Net operating income to assets | 0.0376% | 6,239 |
| Return on assets (ROA) | 0.0376% | 6,295 |
| Pretax return on assets | 0.0329% | 6,281 |
| Return on Equity (ROE) | 0.4364% | 6,283 |
| Retained earnings to average equity (ytd only) | -1.9366% | 6,258 |
| Net charge-offs to loans | 0.8048% | 729 |
| Credit loss provision to net charge-offs | 102.7132% | 2,284 |
| Earnings coverage of net charge-offs (x) | 1.0814% | 4,485 |
| Efficiency ratio | 86.7080% | 1,294 |
| Assets per employee ($millions) | 2.9879% | 5,872 |
| Cash dividends to net income (ytd only)* | 543.8350% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,340 |
| Loan loss allowance to noncurrent loans | 87.4770% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.4344% | 1,590 |
| Noncurrent loans to loans | 1.2536% | 3,306 |
| Net loans and leases to total assets | 75.4606% | 1,070 |
| Net loans and leases to deposits | 83.5296% | 1,935 |
| Net loans and leases to core deposits | 87.1349% | 2,269 |
| Total domestic deposits to total assets | 90.3400% | 823 |
| Equity capital to assets | 8.4640% | 5,775 |
| Core capital (leverage) ratio | 8.6177% | 5,633 |
| Tier 1 risk-based capital ratio | 12.0271% | 5,762 |
| Total risk-based capital ratio | 13.2009% | 5,743 |
| Memoranda: | ||
| Average total assets | $56,686,500 | 5,912 |
| Average earning assets | $50,443,500 | 5,941 |
| Average equity | $4,888,000 | 6,172 |
| Average total loans | $42,741,250 | 5,288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9929% | 185 |
| Cost of funding earning assets | 0.9412% | 739 |
| Net interest margin | 5.0516% | 285 |
| Noninterest income to average assets | 0.3601% | 4,814 |
| Noninterest expense to average assets | 4.1441% | 742 |
| Loan and lease loss provision to assets | 0.5365% | 496 |
| Net operating income to assets | 0.1306% | 6,061 |
| Return on assets (ROA) | 0.1306% | 6,167 |
| Pretax return on assets | 0.1694% | 6,129 |
| Return on Equity (ROE) | 1.5054% | 6,091 |
| Retained earnings to average equity (ytd only) | -2.0343% | 6,193 |
| Net charge-offs to loans | 0.8273% | 755 |
| Credit loss provision to net charge-offs | 86.3636% | 2,513 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 4,158 |
| Efficiency ratio | 85.4440% | 1,466 |
| Assets per employee ($millions) | 2.9836% | 5,878 |
| Cash dividends to net income (ytd only)* | 235.1351% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 5,638 |
| Loan loss allowance to noncurrent loans | 78.4452% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.4661% | 1,718 |
| Noncurrent loans to loans | 1.3360% | 3,320 |
| Net loans and leases to total assets | 73.9473% | 1,256 |
| Net loans and leases to deposits | 81.8015% | 2,082 |
| Net loans and leases to core deposits | 85.3264% | 2,403 |
| Total domestic deposits to total assets | 90.3985% | 806 |
| Equity capital to assets | 8.5696% | 5,697 |
| Core capital (leverage) ratio | 8.6309% | 5,518 |
| Tier 1 risk-based capital ratio | 12.2645% | 5,646 |
| Total risk-based capital ratio | 13.3785% | 5,662 |
| Memoranda: | ||
| Average total assets | $56,658,670 | 5,951 |
| Average earning assets | $50,360,000 | 5,982 |
| Average equity | $4,915,670 | 6,209 |
| Average total loans | $42,550,330 | 5,314 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1035% | 146 |
| Cost of funding earning assets | 0.9537% | 772 |
| Net interest margin | 5.1499% | 212 |
| Noninterest income to average assets | 0.4590% | 4,060 |
| Noninterest expense to average assets | 4.2653% | 654 |
| Loan and lease loss provision to assets | 0.5508% | 478 |
| Net operating income to assets | 0.1977% | 5,903 |
| Return on assets (ROA) | 0.1977% | 6,012 |
| Pretax return on assets | 0.2189% | 6,042 |
| Return on Equity (ROE) | 2.2651% | 5,854 |
| Retained earnings to average equity (ytd only) | -1.7798% | 6,055 |
| Net charge-offs to loans | 0.5253% | 1,147 |
| Credit loss provision to net charge-offs | 139.2857% | 1,440 |
| Earnings coverage of net charge-offs (x) | 1.9464% | 3,190 |
| Efficiency ratio | 84.7125% | 1,679 |
| Assets per employee ($millions) | 2.8335% | 6,237 |
| Cash dividends to net income (ytd only)* | 178.5714% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,314 |
| Loan loss allowance to noncurrent loans | 194.0711% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 2.2587% | 2,065 |
| Noncurrent loans to loans | 0.6037% | 4,932 |
| Net loans and leases to total assets | 73.0863% | 1,194 |
| Net loans and leases to deposits | 80.9119% | 1,963 |
| Net loans and leases to core deposits | 84.3939% | 2,282 |
| Total domestic deposits to total assets | 90.3282% | 864 |
| Equity capital to assets | 8.7065% | 5,805 |
| Core capital (leverage) ratio | 8.7237% | 5,293 |
| Tier 1 risk-based capital ratio | 12.4060% | 5,635 |
| Total risk-based capital ratio | 13.6453% | 5,595 |
| Memoranda: | ||
| Average total assets | $56,643,500 | 6,007 |
| Average earning assets | $50,331,500 | 6,038 |
| Average equity | $4,944,500 | 6,266 |
| Average total loans | $42,643,500 | 5,351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3106% | 167 |
| Cost of funding earning assets | 1.1430% | 757 |
| Net interest margin | 5.1676% | 286 |
| Noninterest income to average assets | 0.6459% | 3,019 |
| Noninterest expense to average assets | 4.0975% | 860 |
| Loan and lease loss provision to assets | 0.3833% | 1,705 |
| Net operating income to assets | 0.5056% | 4,669 |
| Return on assets (ROA) | 0.5408% | 4,770 |
| Pretax return on assets | 0.7561% | 4,456 |
| Return on Equity (ROE) | 6.2662% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.0076% | 4,811 |
| Net charge-offs to loans | 0.6449% | 1,825 |
| Credit loss provision to net charge-offs | 77.3852% | 3,918 |
| Earnings coverage of net charge-offs (x) | 2.2014% | 4,322 |
| Efficiency ratio | 78.9811% | 2,276 |
| Assets per employee ($millions) | 2.9798% | 6,042 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,633 |
| Loan loss allowance to noncurrent loans | 84.1727% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.5275% | 1,928 |
| Noncurrent loans to loans | 1.2818% | 3,694 |
| Net loans and leases to total assets | 75.7900% | 946 |
| Net loans and leases to deposits | 83.9283% | 1,763 |
| Net loans and leases to core deposits | 87.5339% | 2,144 |
| Total domestic deposits to total assets | 90.3033% | 802 |
| Equity capital to assets | 8.7518% | 5,794 |
| Core capital (leverage) ratio | 8.7176% | 5,297 |
| Tier 1 risk-based capital ratio | 12.2037% | 5,657 |
| Total risk-based capital ratio | 13.3604% | 5,675 |
| Memoranda: | ||
| Average total assets | $57,133,000 | 5,995 |
| Average earning assets | $50,217,000 | 6,041 |
| Average equity | $4,931,200 | 6,309 |
| Average total loans | $43,883,600 | 5,334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3691% | 160 |
| Cost of funding earning assets | 1.1749% | 779 |
| Net interest margin | 5.1942% | 297 |
| Noninterest income to average assets | 0.6287% | 3,113 |
| Noninterest expense to average assets | 4.0491% | 874 |
| Loan and lease loss provision to assets | 0.1723% | 3,409 |
| Net operating income to assets | 0.6613% | 4,087 |
| Return on assets (ROA) | 0.6613% | 4,353 |
| Pretax return on assets | 0.9570% | 3,888 |
| Return on Equity (ROE) | 7.6881% | 3,428 |
| Retained earnings to average equity (ytd only) | 3.3838% | 4,486 |
| Net charge-offs to loans | 0.2454% | 3,251 |
| Credit loss provision to net charge-offs | 91.3580% | 3,255 |
| Earnings coverage of net charge-offs (x) | 5.9875% | 2,877 |
| Efficiency ratio | 78.1924% | 2,374 |
| Assets per employee ($millions) | 3.0015% | 6,052 |
| Cash dividends to net income (ytd only)* | 55.9843% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 5,221 |
| Loan loss allowance to noncurrent loans | 45.9389% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 3.3246% | 1,529 |
| Noncurrent loans to loans | 2.6430% | 2,147 |
| Net loans and leases to total assets | 75.0425% | 1,110 |
| Net loans and leases to deposits | 83.1927% | 1,974 |
| Net loans and leases to core deposits | 85.5629% | 2,522 |
| Total domestic deposits to total assets | 90.2032% | 729 |
| Equity capital to assets | 8.7675% | 6,048 |
| Core capital (leverage) ratio | 8.7097% | 5,461 |
| Tier 1 risk-based capital ratio | 12.4673% | 5,669 |
| Total risk-based capital ratio | 13.7181% | 5,630 |
| Memoranda: | ||
| Average total assets | $57,262,000 | 6,059 |
| Average earning assets | $50,157,250 | 6,112 |
| Average equity | $4,925,250 | 6,382 |
| Average total loans | $44,010,000 | 5,391 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4033% | 166 |
| Cost of funding earning assets | 1.2021% | 811 |
| Net interest margin | 5.2012% | 286 |
| Noninterest income to average assets | 0.6034% | 3,238 |
| Noninterest expense to average assets | 3.9937% | 946 |
| Loan and lease loss provision to assets | 0.1884% | 3,215 |
| Net operating income to assets | 0.6453% | 4,138 |
| Return on assets (ROA) | 0.6453% | 4,390 |
| Pretax return on assets | 0.9487% | 3,890 |
| Return on Equity (ROE) | 7.5505% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.1018% | 4,572 |
| Net charge-offs to loans | 0.2260% | 3,224 |
| Credit loss provision to net charge-offs | 108.0000% | 2,522 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,623 |
| Efficiency ratio | 77.8382% | 2,482 |
| Assets per employee ($millions) | 3.0160% | 6,035 |
| Cash dividends to net income (ytd only)* | 58.9189% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 5,256 |
| Loan loss allowance to noncurrent loans | 58.4515% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 3.0329% | 1,817 |
| Noncurrent loans to loans | 2.0902% | 2,833 |
| Net loans and leases to total assets | 75.6230% | 1,017 |
| Net loans and leases to deposits | 83.7359% | 1,889 |
| Net loans and leases to core deposits | 86.0983% | 2,418 |
| Total domestic deposits to total assets | 90.3113% | 760 |
| Equity capital to assets | 8.6329% | 6,093 |
| Core capital (leverage) ratio | 8.6055% | 5,511 |
| Tier 1 risk-based capital ratio | 12.2307% | 5,764 |
| Total risk-based capital ratio | 13.4821% | 5,752 |
| Memoranda: | ||
| Average total assets | $57,339,670 | 6,095 |
| Average earning assets | $49,912,000 | 6,163 |
| Average equity | $4,900,330 | 6,414 |
| Average total loans | $44,239,330 | 5,418 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5028% | 161 |
| Cost of funding earning assets | 1.2183% | 904 |
| Net interest margin | 5.2845% | 261 |
| Noninterest income to average assets | 0.5858% | 3,323 |
| Noninterest expense to average assets | 3.9332% | 1,014 |
| Loan and lease loss provision to assets | 0.3766% | 1,678 |
| Net operating income to assets | 0.5719% | 4,484 |
| Return on assets (ROA) | 0.5719% | 4,708 |
| Pretax return on assets | 0.8438% | 4,251 |
| Return on Equity (ROE) | 6.7254% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.5425% | 4,985 |
| Net charge-offs to loans | 0.0360% | 4,189 |
| Credit loss provision to net charge-offs | 1,350.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 697 |
| Efficiency ratio | 76.3194% | 2,743 |
| Assets per employee ($millions) | 3.0179% | 6,117 |
| Cash dividends to net income (ytd only)* | 62.1951% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 4,986 |
| Loan loss allowance to noncurrent loans | 58.7879% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.7153% | 2,172 |
| Noncurrent loans to loans | 2.2247% | 2,894 |
| Net loans and leases to total assets | 76.5909% | 737 |
| Net loans and leases to deposits | 84.6612% | 1,579 |
| Net loans and leases to core deposits | 87.0370% | 2,178 |
| Total domestic deposits to total assets | 90.4676% | 819 |
| Equity capital to assets | 8.5279% | 6,060 |
| Core capital (leverage) ratio | 8.5645% | 5,488 |
| Tier 1 risk-based capital ratio | 12.0719% | 5,911 |
| Total risk-based capital ratio | 13.3234% | 5,887 |
| Memoranda: | ||
| Average total assets | $57,357,500 | 6,135 |
| Average earning assets | $49,578,500 | 6,215 |
| Average equity | $4,877,000 | 6,462 |
| Average total loans | $44,423,500 | 5,449 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8454% | 116 |
| Cost of funding earning assets | 1.3752% | 1,145 |
| Net interest margin | 5.4703% | 187 |
| Noninterest income to average assets | 0.5423% | 3,564 |
| Noninterest expense to average assets | 4.1585% | 852 |
| Loan and lease loss provision to assets | 0.2276% | 3,922 |
| Net operating income to assets | 0.6703% | 3,629 |
| Return on assets (ROA) | 0.6703% | 3,821 |
| Pretax return on assets | 0.9654% | 3,370 |
| Return on Equity (ROE) | 7.8867% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.0333% | 4,070 |
| Net charge-offs to loans | 0.1828% | 4,688 |
| Credit loss provision to net charge-offs | 154.2169% | 1,821 |
| Earnings coverage of net charge-offs (x) | 8.0843% | 2,216 |
| Efficiency ratio | 77.7076% | 2,628 |
| Assets per employee ($millions) | 3.0197% | 6,041 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 5,393 |
| Loan loss allowance to noncurrent loans | 61.8605% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5029% | 2,428 |
| Noncurrent loans to loans | 1.9393% | 3,285 |
| Net loans and leases to total assets | 76.3673% | 893 |
| Net loans and leases to deposits | 86.9018% | 1,549 |
| Net loans and leases to core deposits | 89.4056% | 2,212 |
| Total domestic deposits to total assets | 87.8778% | 2,234 |
| Equity capital to assets | 8.4777% | 6,168 |
| Core capital (leverage) ratio | 8.5078% | 5,544 |
| Tier 1 risk-based capital ratio | 11.8915% | 5,906 |
| Total risk-based capital ratio | 13.1423% | 5,884 |
| Memoranda: | ||
| Average total assets | $56,245,800 | 6,153 |
| Average earning assets | $49,449,000 | 6,217 |
| Average equity | $4,780,200 | 6,510 |
| Average total loans | $45,398,600 | 5,444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8266% | 128 |
| Cost of funding earning assets | 1.3920% | 1,267 |
| Net interest margin | 5.4346% | 193 |
| Noninterest income to average assets | 0.5623% | 3,431 |
| Noninterest expense to average assets | 4.1288% | 860 |
| Loan and lease loss provision to assets | 0.3049% | 3,091 |
| Net operating income to assets | 0.6718% | 3,758 |
| Return on assets (ROA) | 0.6718% | 3,932 |
| Pretax return on assets | 0.9744% | 3,502 |
| Return on Equity (ROE) | 7.9002% | 3,077 |
| Retained earnings to average equity (ytd only) | 3.0257% | 4,529 |
| Net charge-offs to loans | 0.0993% | 4,996 |
| Credit loss provision to net charge-offs | 376.4706% | 754 |
| Earnings coverage of net charge-offs (x) | 15.7948% | 1,438 |
| Efficiency ratio | 76.3436% | 2,792 |
| Assets per employee ($millions) | 3.0067% | 6,102 |
| Cash dividends to net income (ytd only)* | 61.7011% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,198 |
| Loan loss allowance to noncurrent loans | 68.1925% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.6677% | 2,421 |
| Noncurrent loans to loans | 1.8454% | 3,574 |
| Net loans and leases to total assets | 79.8015% | 535 |
| Net loans and leases to deposits | 90.9851% | 1,110 |
| Net loans and leases to core deposits | 93.0939% | 1,876 |
| Total domestic deposits to total assets | 87.7083% | 2,229 |
| Equity capital to assets | 8.4670% | 6,331 |
| Core capital (leverage) ratio | 8.4583% | 5,769 |
| Tier 1 risk-based capital ratio | 11.4700% | 6,259 |
| Total risk-based capital ratio | 12.7219% | 6,250 |
| Memoranda: | ||
| Average total assets | $55,963,750 | 6,215 |
| Average earning assets | $49,901,500 | 6,248 |
| Average equity | $4,759,250 | 6,572 |
| Average total loans | $45,661,500 | 5,484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8135% | 136 |
| Cost of funding earning assets | 1.4272% | 1,298 |
| Net interest margin | 5.3863% | 216 |
| Noninterest income to average assets | 0.6010% | 3,138 |
| Noninterest expense to average assets | 4.2177% | 813 |
| Loan and lease loss provision to assets | 0.2699% | 3,233 |
| Net operating income to assets | 0.6370% | 3,875 |
| Return on assets (ROA) | 0.6370% | 4,001 |
| Pretax return on assets | 0.9213% | 3,545 |
| Return on Equity (ROE) | 7.4789% | 3,199 |
| Retained earnings to average equity (ytd only) | 2.5775% | 4,657 |
| Net charge-offs to loans | 0.0088% | 5,731 |
| Credit loss provision to net charge-offs | 3,750.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 165.5000% | 215 |
| Efficiency ratio | 77.9774% | 2,717 |
| Assets per employee ($millions) | 2.9614% | 6,166 |
| Cash dividends to net income (ytd only)* | 65.5367% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,514 |
| Loan loss allowance to noncurrent loans | 129.9304% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 2.0758% | 3,147 |
| Noncurrent loans to loans | 0.9283% | 5,112 |
| Net loans and leases to total assets | 81.5238% | 409 |
| Net loans and leases to deposits | 92.8958% | 960 |
| Net loans and leases to core deposits | 95.6922% | 1,717 |
| Total domestic deposits to total assets | 87.7584% | 2,313 |
| Equity capital to assets | 8.4970% | 6,190 |
| Core capital (leverage) ratio | 8.4402% | 5,645 |
| Tier 1 risk-based capital ratio | 11.2960% | 6,322 |
| Total risk-based capital ratio | 12.5460% | 6,314 |
| Memoranda: | ||
| Average total assets | $55,575,670 | 6,272 |
| Average earning assets | $49,607,330 | 6,312 |
| Average equity | $4,733,330 | 6,617 |
| Average total loans | $45,492,000 | 5,540 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7809% | 145 |
| Cost of funding earning assets | 1.4571% | 1,349 |
| Net interest margin | 5.3238% | 216 |
| Noninterest income to average assets | 0.6446% | 2,879 |
| Noninterest expense to average assets | 4.2368% | 787 |
| Loan and lease loss provision to assets | 0.5432% | 1,596 |
| Net operating income to assets | 0.4345% | 4,784 |
| Return on assets (ROA) | 0.4345% | 4,865 |
| Pretax return on assets | 0.6011% | 4,685 |
| Return on Equity (ROE) | 5.0961% | 4,344 |
| Retained earnings to average equity (ytd only) | -0.4247% | 5,872 |
| Net charge-offs to loans | -0.0089% | 6,340 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7349% | 2,728 |
| Assets per employee ($millions) | 2.7916% | 6,554 |
| Cash dividends to net income (ytd only)* | 108.3333% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 5,371 |
| Loan loss allowance to noncurrent loans | 180.4487% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 2.3714% | 2,873 |
| Noncurrent loans to loans | 0.6943% | 5,633 |
| Net loans and leases to total assets | 79.4756% | 566 |
| Net loans and leases to deposits | 90.3780% | 1,188 |
| Net loans and leases to core deposits | 93.1129% | 1,996 |
| Total domestic deposits to total assets | 87.9368% | 2,408 |
| Equity capital to assets | 8.4326% | 6,011 |
| Core capital (leverage) ratio | 8.4402% | 5,560 |
| Tier 1 risk-based capital ratio | 11.5653% | 6,052 |
| Total risk-based capital ratio | 12.8161% | 6,037 |
| Memoranda: | ||
| Average total assets | $55,230,000 | 6,335 |
| Average earning assets | $49,138,000 | 6,373 |
| Average equity | $4,709,500 | 6,650 |
| Average total loans | $45,022,500 | 5,609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8623% | 180 |
| Cost of funding earning assets | 1.7470% | 1,389 |
| Net interest margin | 5.1153% | 343 |
| Noninterest income to average assets | 0.6804% | 2,962 |
| Noninterest expense to average assets | 4.1415% | 966 |
| Loan and lease loss provision to assets | 0.4918% | 3,199 |
| Net operating income to assets | 0.4355% | 4,386 |
| Return on assets (ROA) | 0.4456% | 4,500 |
| Pretax return on assets | 0.6527% | 4,156 |
| Return on Equity (ROE) | 5.1200% | 4,018 |
| Retained earnings to average equity (ytd only) | 0.9560% | 5,075 |
| Net charge-offs to loans | 0.6162% | 3,187 |
| Credit loss provision to net charge-offs | 98.1550% | 4,717 |
| Earnings coverage of net charge-offs (x) | 2.2546% | 4,033 |
| Efficiency ratio | 78.5689% | 2,603 |
| Assets per employee ($millions) | 2.7315% | 6,638 |
| Cash dividends to net income (ytd only)* | 81.3278% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 6,028 |
| Loan loss allowance to noncurrent loans | 304.3750% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 3,047 |
| Noncurrent loans to loans | 0.3547% | 6,350 |
| Net loans and leases to total assets | 81.6837% | 476 |
| Net loans and leases to deposits | 92.6096% | 1,191 |
| Net loans and leases to core deposits | 95.0659% | 2,122 |
| Total domestic deposits to total assets | 88.2022% | 2,119 |
| Equity capital to assets | 8.6236% | 5,690 |
| Core capital (leverage) ratio | 8.6705% | 5,070 |
| Tier 1 risk-based capital ratio | 11.6103% | 5,808 |
| Total risk-based capital ratio | 12.8151% | 5,857 |
| Memoranda: | ||
| Average total assets | $54,087,000 | 6,400 |
| Average earning assets | $48,540,600 | 6,417 |
| Average equity | $4,707,000 | 6,755 |
| Average total loans | $43,982,600 | 5,747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8219% | 194 |
| Cost of funding earning assets | 1.7942% | 1,437 |
| Net interest margin | 5.0277% | 408 |
| Noninterest income to average assets | 0.6771% | 2,961 |
| Noninterest expense to average assets | 3.9121% | 1,182 |
| Loan and lease loss provision to assets | 0.4696% | 3,125 |
| Net operating income to assets | 0.5284% | 4,189 |
| Return on assets (ROA) | 0.5412% | 4,298 |
| Pretax return on assets | 0.8304% | 3,799 |
| Return on Equity (ROE) | 6.2046% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.0965% | 4,915 |
| Net charge-offs to loans | 0.8146% | 2,415 |
| Credit loss provision to net charge-offs | 71.1610% | 5,385 |
| Earnings coverage of net charge-offs (x) | 1.9401% | 4,250 |
| Efficiency ratio | 75.3451% | 3,066 |
| Assets per employee ($millions) | 2.7057% | 6,769 |
| Cash dividends to net income (ytd only)* | 66.2112% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,617 |
| Loan loss allowance to noncurrent loans | 255.2147% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 3,105 |
| Noncurrent loans to loans | 0.3678% | 6,459 |
| Net loans and leases to total assets | 81.1324% | 604 |
| Net loans and leases to deposits | 90.1594% | 1,707 |
| Net loans and leases to core deposits | 92.5113% | 2,724 |
| Total domestic deposits to total assets | 89.9878% | 887 |
| Equity capital to assets | 8.7962% | 5,864 |
| Core capital (leverage) ratio | 8.6692% | 5,247 |
| Tier 1 risk-based capital ratio | 11.7337% | 5,702 |
| Total risk-based capital ratio | 12.7674% | 5,902 |
| Memoranda: | ||
| Average total assets | $53,951,500 | 6,478 |
| Average earning assets | $48,450,250 | 6,489 |
| Average equity | $4,706,000 | 6,840 |
| Average total loans | $43,700,750 | 5,842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7522% | 221 |
| Cost of funding earning assets | 1.8235% | 1,547 |
| Net interest margin | 4.9287% | 501 |
| Noninterest income to average assets | 0.6642% | 2,934 |
| Noninterest expense to average assets | 3.9742% | 1,076 |
| Loan and lease loss provision to assets | 0.2301% | 4,612 |
| Net operating income to assets | 0.6086% | 3,848 |
| Return on assets (ROA) | 0.6086% | 3,981 |
| Pretax return on assets | 0.8832% | 3,565 |
| Return on Equity (ROE) | 6.9966% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.6451% | 4,457 |
| Net charge-offs to loans | 0.1793% | 4,532 |
| Credit loss provision to net charge-offs | 158.9744% | 2,474 |
| Earnings coverage of net charge-offs (x) | 7.6923% | 2,255 |
| Efficiency ratio | 78.1182% | 2,710 |
| Assets per employee ($millions) | 2.8395% | 6,482 |
| Cash dividends to net income (ytd only)* | 62.1951% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,626 |
| Loan loss allowance to noncurrent loans | 31.8322% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 4.0778% | 1,676 |
| Noncurrent loans to loans | 3.6604% | 2,148 |
| Net loans and leases to total assets | 81.1288% | 652 |
| Net loans and leases to deposits | 89.9449% | 1,866 |
| Net loans and leases to core deposits | 92.2813% | 2,943 |
| Total domestic deposits to total assets | 90.1983% | 817 |
| Equity capital to assets | 8.7804% | 5,779 |
| Core capital (leverage) ratio | 8.6717% | 5,125 |
| Tier 1 risk-based capital ratio | 11.7625% | 5,533 |
| Total risk-based capital ratio | 13.0134% | 5,494 |
| Memoranda: | ||
| Average total assets | $53,897,330 | 6,522 |
| Average earning assets | $48,369,670 | 6,537 |
| Average equity | $4,688,000 | 6,881 |
| Average total loans | $43,494,330 | 5,888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7516% | 240 |
| Cost of funding earning assets | 1.8542% | 1,639 |
| Net interest margin | 4.8974% | 519 |
| Noninterest income to average assets | 0.5717% | 3,481 |
| Noninterest expense to average assets | 3.9947% | 1,044 |
| Loan and lease loss provision to assets | 0.2228% | 4,272 |
| Net operating income to assets | 0.5049% | 4,369 |
| Return on assets (ROA) | 0.5049% | 4,510 |
| Pretax return on assets | 0.7277% | 4,137 |
| Return on Equity (ROE) | 5.8325% | 3,948 |
| Retained earnings to average equity (ytd only) | 0.8577% | 5,469 |
| Net charge-offs to loans | -0.0093% | 6,877 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7808% | 2,443 |
| Assets per employee ($millions) | 2.7045% | 6,861 |
| Cash dividends to net income (ytd only)* | 85.2941% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 5,405 |
| Loan loss allowance to noncurrent loans | 47.9853% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.0320% | 2,358 |
| Noncurrent loans to loans | 2.5392% | 3,133 |
| Net loans and leases to total assets | 78.5409% | 1,052 |
| Net loans and leases to deposits | 86.8735% | 2,431 |
| Net loans and leases to core deposits | 89.1056% | 3,484 |
| Total domestic deposits to total assets | 90.4084% | 777 |
| Equity capital to assets | 8.6450% | 5,807 |
| Core capital (leverage) ratio | 8.6453% | 5,126 |
| Tier 1 risk-based capital ratio | 12.0188% | 5,180 |
| Total risk-based capital ratio | 13.2702% | 5,136 |
| Memoranda: | ||
| Average total assets | $53,871,000 | 6,607 |
| Average earning assets | $48,107,000 | 6,622 |
| Average equity | $4,663,500 | 6,958 |
| Average total loans | $43,099,000 | 5,976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0520% | 260 |
| Cost of funding earning assets | 2.1225% | 2,355 |
| Net interest margin | 4.9295% | 521 |
| Noninterest income to average assets | 0.6340% | 3,396 |
| Noninterest expense to average assets | 3.8808% | 1,535 |
| Loan and lease loss provision to assets | 0.4376% | 4,202 |
| Net operating income to assets | 0.5011% | 3,721 |
| Return on assets (ROA) | 0.5349% | 3,682 |
| Pretax return on assets | 0.7967% | 3,252 |
| Return on Equity (ROE) | 6.1704% | 3,140 |
| Retained earnings to average equity (ytd only) | 2.0928% | 3,638 |
| Net charge-offs to loans | 0.4805% | 3,852 |
| Credit loss provision to net charge-offs | 114.7059% | 4,769 |
| Earnings coverage of net charge-offs (x) | 3.1029% | 3,512 |
| Efficiency ratio | 76.6248% | 3,418 |
| Assets per employee ($millions) | 2.6827% | 6,888 |
| Cash dividends to net income (ytd only)* | 66.0839% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,681 |
| Loan loss allowance to noncurrent loans | 47.4495% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 2.9635% | 2,365 |
| Noncurrent loans to loans | 2.4055% | 3,156 |
| Net loans and leases to total assets | 79.5836% | 1,068 |
| Net loans and leases to deposits | 89.8983% | 2,226 |
| Net loans and leases to core deposits | 109.8988% | 2,903 |
| Total domestic deposits to total assets | 88.5263% | 1,716 |
| Equity capital to assets | 8.6687% | 5,630 |
| Core capital (leverage) ratio | 8.6890% | 4,936 |
| Tier 1 risk-based capital ratio | 12.0602% | 4,893 |
| Total risk-based capital ratio | 13.3108% | 4,855 |
| Memoranda: | ||
| Average total assets | $53,468,200 | 6,583 |
| Average earning assets | $48,057,600 | 6,597 |
| Average equity | $4,635,000 | 7,068 |
| Average total loans | $42,455,000 | 5,999 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0740% | 267 |
| Cost of funding earning assets | 2.1521% | 2,636 |
| Net interest margin | 4.9219% | 522 |
| Noninterest income to average assets | 0.6439% | 3,390 |
| Noninterest expense to average assets | 3.7387% | 1,726 |
| Loan and lease loss provision to assets | 0.5091% | 3,349 |
| Net operating income to assets | 0.5430% | 3,819 |
| Return on assets (ROA) | 0.5641% | 3,819 |
| Pretax return on assets | 0.8636% | 3,344 |
| Return on Equity (ROE) | 6.5068% | 3,297 |
| Retained earnings to average equity (ytd only) | 2.3321% | 4,020 |
| Net charge-offs to loans | 0.4195% | 3,587 |
| Credit loss provision to net charge-offs | 153.3835% | 3,117 |
| Earnings coverage of net charge-offs (x) | 4.0376% | 3,290 |
| Efficiency ratio | 73.6118% | 3,936 |
| Assets per employee ($millions) | 2.8260% | 6,595 |
| Cash dividends to net income (ytd only)* | 64.1589% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,843 |
| Loan loss allowance to noncurrent loans | 514.4231% | 619 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 4,616 |
| Noncurrent loans to loans | 0.2427% | 6,895 |
| Net loans and leases to total assets | 78.7965% | 1,424 |
| Net loans and leases to deposits | 89.1391% | 2,755 |
| Net loans and leases to core deposits | 111.4186% | 3,079 |
| Total domestic deposits to total assets | 88.3972% | 1,476 |
| Equity capital to assets | 8.6639% | 6,014 |
| Core capital (leverage) ratio | 8.6330% | 5,251 |
| Tier 1 risk-based capital ratio | 12.0101% | 4,967 |
| Total risk-based capital ratio | 13.2621% | 4,903 |
| Memoranda: | ||
| Average total assets | $53,422,000 | 6,625 |
| Average earning assets | $48,137,500 | 6,639 |
| Average equity | $4,631,000 | 7,133 |
| Average total loans | $42,270,750 | 6,058 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9931% | 322 |
| Cost of funding earning assets | 2.1696% | 2,938 |
| Net interest margin | 4.8236% | 627 |
| Noninterest income to average assets | 0.6488% | 3,349 |
| Noninterest expense to average assets | 3.5851% | 2,108 |
| Loan and lease loss provision to assets | 0.6525% | 2,474 |
| Net operating income to assets | 0.5288% | 3,987 |
| Return on assets (ROA) | 0.5288% | 4,101 |
| Pretax return on assets | 0.7800% | 3,740 |
| Return on Equity (ROE) | 6.0986% | 3,598 |
| Retained earnings to average equity (ytd only) | 2.9412% | 3,690 |
| Net charge-offs to loans | 0.5561% | 2,663 |
| Credit loss provision to net charge-offs | 148.7179% | 3,105 |
| Earnings coverage of net charge-offs (x) | 3.2650% | 3,511 |
| Efficiency ratio | 71.4499% | 4,518 |
| Assets per employee ($millions) | 2.8400% | 6,539 |
| Cash dividends to net income (ytd only)* | 51.7730% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,714 |
| Loan loss allowance to noncurrent loans | 160.0000% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 3,760 |
| Noncurrent loans to loans | 0.7715% | 5,688 |
| Net loans and leases to total assets | 77.1016% | 1,929 |
| Net loans and leases to deposits | 87.1178% | 3,335 |
| Net loans and leases to core deposits | 110.8346% | 3,285 |
| Total domestic deposits to total assets | 88.5026% | 1,527 |
| Equity capital to assets | 8.5767% | 5,935 |
| Core capital (leverage) ratio | 8.6194% | 5,226 |
| Tier 1 risk-based capital ratio | 12.3827% | 4,616 |
| Total risk-based capital ratio | 13.6344% | 4,541 |
| Memoranda: | ||
| Average total assets | $53,331,330 | 6,693 |
| Average earning assets | $48,304,670 | 6,697 |
| Average equity | $4,624,000 | 7,202 |
| Average total loans | $42,079,670 | 6,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1188% | 279 |
| Cost of funding earning assets | 2.2136% | 3,101 |
| Net interest margin | 4.9051% | 498 |
| Noninterest income to average assets | 0.6413% | 3,259 |
| Noninterest expense to average assets | 3.7347% | 1,585 |
| Loan and lease loss provision to assets | 0.3999% | 2,925 |
| Net operating income to assets | 0.6111% | 3,969 |
| Return on assets (ROA) | 0.6111% | 4,163 |
| Pretax return on assets | 0.9205% | 3,640 |
| Return on Equity (ROE) | 7.0100% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.5002% | 3,428 |
| Net charge-offs to loans | 0.5421% | 2,097 |
| Credit loss provision to net charge-offs | 92.9825% | 3,948 |
| Earnings coverage of net charge-offs (x) | 3.0702% | 3,289 |
| Efficiency ratio | 73.8806% | 3,848 |
| Assets per employee ($millions) | 2.8119% | 6,612 |
| Cash dividends to net income (ytd only)* | 35.8025% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,579 |
| Loan loss allowance to noncurrent loans | 145.8599% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 1.9821% | 2,932 |
| Noncurrent loans to loans | 0.7441% | 5,567 |
| Net loans and leases to total assets | 78.1253% | 1,794 |
| Net loans and leases to deposits | 88.4266% | 3,212 |
| Net loans and leases to core deposits | 110.6516% | 3,350 |
| Total domestic deposits to total assets | 88.3505% | 1,550 |
| Equity capital to assets | 8.6866% | 5,786 |
| Core capital (leverage) ratio | 8.6878% | 5,174 |
| Tier 1 risk-based capital ratio | 12.3293% | 4,679 |
| Total risk-based capital ratio | 13.5558% | 4,620 |
| Memoranda: | ||
| Average total assets | $53,017,000 | 6,741 |
| Average earning assets | $47,705,000 | 6,757 |
| Average equity | $4,622,000 | 7,252 |
| Average total loans | $42,057,500 | 6,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5949% | 343 |
| Cost of funding earning assets | 2.9977% | 1,869 |
| Net interest margin | 4.5973% | 1,186 |
| Noninterest income to average assets | 0.6580% | 3,413 |
| Noninterest expense to average assets | 3.7130% | 1,930 |
| Loan and lease loss provision to assets | 0.4381% | 3,098 |
| Net operating income to assets | 0.4096% | 5,117 |
| Return on assets (ROA) | 0.4096% | 4,931 |
| Pretax return on assets | 0.5727% | 4,772 |
| Return on Equity (ROE) | 4.7691% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.3624% | 3,732 |
| Net charge-offs to loans | 0.5332% | 2,230 |
| Credit loss provision to net charge-offs | 104.0541% | 5,138 |
| Earnings coverage of net charge-offs (x) | 2.4009% | 4,875 |
| Efficiency ratio | 78.6030% | 2,824 |
| Assets per employee ($millions) | 2.6304% | 6,937 |
| Cash dividends to net income (ytd only)* | 50.4630% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,242 |
| Loan loss allowance to noncurrent loans | 197.0213% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.8724% | 2,629 |
| Noncurrent loans to loans | 0.5606% | 5,684 |
| Net loans and leases to total assets | 78.7994% | 1,935 |
| Net loans and leases to deposits | 89.2597% | 3,586 |
| Net loans and leases to core deposits | 110.6561% | 3,721 |
| Total domestic deposits to total assets | 88.2810% | 1,346 |
| Equity capital to assets | 8.7498% | 5,732 |
| Core capital (leverage) ratio | 8.6431% | 5,296 |
| Tier 1 risk-based capital ratio | 12.2761% | 4,604 |
| Total risk-based capital ratio | 13.5250% | 4,492 |
| Memoranda: | ||
| Average total assets | $52,733,000 | 6,672 |
| Average earning assets | $46,636,400 | 6,733 |
| Average equity | $4,529,200 | 7,325 |
| Average total loans | $41,635,800 | 6,092 |