Home > Bank of New Cambria > Performance and Condition Ratios
Bank of New Cambria, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 3,767 |
| Cost of funding earning assets | 0.2468% | 4,421 |
| Net interest margin | 3.8719% | 1,436 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.1186% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6893% | 3,221 |
| Return on assets (ROA) | 0.6893% | 3,197 |
| Pretax return on assets | 0.6780% | 3,482 |
| Return on Equity (ROE) | 8.4100% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.5151% | 2,785 |
| Net charge-offs to loans | -0.0218% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.1429% | 771 |
| Assets per employee ($millions) | 3.9129% | 4,189 |
| Cash dividends to net income (ytd only)* | 46.3115% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8762% | 130 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 26.0800% | 4,350 |
| Net loans and leases to deposits | 28.7076% | 4,368 |
| Net loans and leases to core deposits | 28.7076% | 4,409 |
| Total domestic deposits to total assets | 90.8500% | 542 |
| Equity capital to assets | 8.9732% | 2,693 |
| Core capital (leverage) ratio | 12.2357% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $35,400,400 | 4,429 |
| Average earning assets | $32,826,000 | 4,396 |
| Average equity | $2,901,400 | 4,434 |
| Average total loans | $9,179,400 | 4,419 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 4,065 |
| Cost of funding earning assets | 0.2197% | 4,427 |
| Net interest margin | 3.6252% | 1,935 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.9226% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6282% | 3,476 |
| Return on assets (ROA) | 0.6282% | 3,473 |
| Pretax return on assets | 0.6282% | 3,690 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.8492% | 2,019 |
| Net charge-offs to loans | -0.0146% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.3093% | 711 |
| Assets per employee ($millions) | 3.9253% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 139 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.1300% | 4,378 |
| Net loans and leases to deposits | 28.3529% | 4,398 |
| Net loans and leases to core deposits | 28.3529% | 4,401 |
| Total domestic deposits to total assets | 92.1500% | 424 |
| Equity capital to assets | 7.6257% | 3,279 |
| Core capital (leverage) ratio | 12.8157% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $35,446,500 | 4,448 |
| Average earning assets | $32,769,500 | 4,418 |
| Average equity | $2,836,750 | 4,456 |
| Average total loans | $9,110,000 | 4,445 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 4,239 |
| Cost of funding earning assets | 0.1768% | 4,450 |
| Net interest margin | 3.4317% | 2,440 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.7786% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5974% | 3,576 |
| Return on assets (ROA) | 0.5974% | 3,583 |
| Pretax return on assets | 0.5974% | 3,808 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.3501% | 2,174 |
| Net charge-offs to loans | -0.0223% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.3038% | 688 |
| Assets per employee ($millions) | 3.8422% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9354% | 136 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 25.9100% | 4,393 |
| Net loans and leases to deposits | 28.4187% | 4,416 |
| Net loans and leases to core deposits | 28.4187% | 4,421 |
| Total domestic deposits to total assets | 91.1900% | 592 |
| Equity capital to assets | 8.5367% | 2,834 |
| Core capital (leverage) ratio | 12.5257% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $35,486,000 | 4,473 |
| Average earning assets | $32,811,333 | 4,446 |
| Average equity | $2,884,333 | 4,485 |
| Average total loans | $8,979,667 | 4,478 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4925% | 4,279 |
| Cost of funding earning assets | 0.1686% | 4,426 |
| Net interest margin | 3.3239% | 2,819 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.7046% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5342% | 3,824 |
| Return on assets (ROA) | 0.5342% | 3,784 |
| Pretax return on assets | 0.5342% | 3,941 |
| Return on Equity (ROE) | 6.7400% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.7357% | 2,574 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.5052% | 616 |
| Assets per employee ($millions) | 4.5454% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2872% | 108 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 21.9300% | 4,498 |
| Net loans and leases to deposits | 23.9465% | 4,509 |
| Net loans and leases to core deposits | 23.9465% | 4,511 |
| Total domestic deposits to total assets | 91.5600% | 634 |
| Equity capital to assets | 8.2336% | 3,091 |
| Core capital (leverage) ratio | 12.1443% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $35,939,000 | 4,533 |
| Average earning assets | $33,214,000 | 4,509 |
| Average equity | $2,850,500 | 4,550 |
| Average total loans | $8,853,500 | 4,547 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7858% | 4,336 |
| Cost of funding earning assets | 0.1465% | 4,143 |
| Net interest margin | 2.6394% | 4,125 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.7508% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.0681% | 4,589 |
| Return on assets (ROA) | -0.0681% | 4,576 |
| Pretax return on assets | -0.0681% | 4,565 |
| Return on Equity (ROE) | -0.7600% | 4,567 |
| Retained earnings to average equity (ytd only) | -0.7589% | 4,428 |
| Net charge-offs to loans | 0.1242% | 625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,683 |
| Efficiency ratio | 102.5397% | 133 |
| Assets per employee ($millions) | 3.9461% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8532% | 139 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,579 |
| Noncurrent loans to loans | 0.0951% | 3,086 |
| Net loans and leases to total assets | 25.8800% | 4,479 |
| Net loans and leases to deposits | 28.0437% | 4,500 |
| Net loans and leases to core deposits | 28.0437% | 4,506 |
| Total domestic deposits to total assets | 92.3000% | 563 |
| Equity capital to assets | 7.6221% | 3,314 |
| Core capital (leverage) ratio | 12.2533% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $35,226,400 | 4,575 |
| Average earning assets | $32,772,800 | 4,540 |
| Average equity | $3,162,600 | 4,597 |
| Average total loans | $9,662,000 | 4,566 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6620% | 4,327 |
| Cost of funding earning assets | 0.1382% | 3,955 |
| Net interest margin | 2.5238% | 4,191 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.7308% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1517% | 4,637 |
| Return on assets (ROA) | -0.1517% | 4,616 |
| Pretax return on assets | -0.1517% | 4,608 |
| Return on Equity (ROE) | -1.6300% | 4,609 |
| Retained earnings to average equity (ytd only) | -1.6277% | 4,468 |
| Net charge-offs to loans | 0.0824% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -6.6667% | 4,730 |
| Efficiency ratio | 105.8824% | 115 |
| Assets per employee ($millions) | 3.7330% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8173% | 156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 28.4400% | 4,452 |
| Net loans and leases to deposits | 30.7413% | 4,488 |
| Net loans and leases to core deposits | 30.7413% | 4,500 |
| Total domestic deposits to total assets | 92.5100% | 716 |
| Equity capital to assets | 7.3191% | 3,320 |
| Core capital (leverage) ratio | 12.7919% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $35,154,250 | 4,608 |
| Average earning assets | $32,806,750 | 4,579 |
| Average equity | $3,276,500 | 4,636 |
| Average total loans | $9,711,750 | 4,598 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4841% | 4,390 |
| Cost of funding earning assets | 0.1433% | 3,660 |
| Net interest margin | 2.3408% | 4,287 |
| Noninterest income to average assets | 0.2187% | 3,885 |
| Noninterest expense to average assets | 2.6967% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2803% | 4,651 |
| Return on assets (ROA) | -0.2803% | 4,629 |
| Pretax return on assets | -0.2803% | 4,619 |
| Return on Equity (ROE) | -2.8177% | 4,639 |
| Retained earnings to average equity (ytd only) | -2.8177% | 4,442 |
| Net charge-offs to loans | 0.1241% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -8.3333% | 2,129 |
| Efficiency ratio | 111.6009% | 108 |
| Assets per employee ($millions) | 3.8453% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8613% | 164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 27.1729% | 4,532 |
| Net loans and leases to deposits | 29.7642% | 4,548 |
| Net loans and leases to core deposits | 29.7642% | 4,572 |
| Total domestic deposits to total assets | 91.2939% | 1,108 |
| Equity capital to assets | 8.5732% | 2,705 |
| Core capital (leverage) ratio | 12.1148% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,673,333 | 4,643 |
| Average earning assets | $33,492,667 | 4,630 |
| Average equity | $3,549,000 | 4,650 |
| Average total loans | $9,671,667 | 4,664 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3596% | 4,406 |
| Cost of funding earning assets | 0.1409% | 3,619 |
| Net interest margin | 2.2187% | 4,325 |
| Noninterest income to average assets | 0.2099% | 3,903 |
| Noninterest expense to average assets | 2.7067% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4088% | 4,690 |
| Return on assets (ROA) | -0.4088% | 4,676 |
| Pretax return on assets | -0.4088% | 4,667 |
| Return on Equity (ROE) | -3.8542% | 4,684 |
| Retained earnings to average equity (ytd only) | -3.8542% | 4,364 |
| Net charge-offs to loans | 0.1241% | 447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -12.3333% | 1,816 |
| Efficiency ratio | 117.7885% | 93 |
| Assets per employee ($millions) | 4.5644% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1222% | 145 |
| Loan loss allowance to noncurrent loans | 1,328.5714% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,471 |
| Noncurrent loans to loans | 0.2350% | 2,651 |
| Net loans and leases to total assets | 23.7081% | 4,616 |
| Net loans and leases to deposits | 26.1738% | 4,638 |
| Net loans and leases to core deposits | 26.1738% | 4,650 |
| Total domestic deposits to total assets | 90.5792% | 1,253 |
| Equity capital to assets | 9.3304% | 2,421 |
| Core capital (leverage) ratio | 11.7761% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,206,000 | 4,663 |
| Average earning assets | $34,074,000 | 4,650 |
| Average equity | $3,840,000 | 4,665 |
| Average total loans | $9,667,000 | 4,688 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5163% | 4,466 |
| Cost of funding earning assets | 0.1674% | 3,801 |
| Net interest margin | 2.3489% | 4,369 |
| Noninterest income to average assets | 0.2262% | 4,024 |
| Noninterest expense to average assets | 2.4661% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0587% | 4,694 |
| Return on assets (ROA) | -0.0587% | 4,702 |
| Pretax return on assets | -0.0447% | 4,700 |
| Return on Equity (ROE) | -0.4804% | 4,705 |
| Retained earnings to average equity (ytd only) | -0.4804% | 4,546 |
| Net charge-offs to loans | 0.0357% | 1,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 2,671 |
| Efficiency ratio | 101.8454% | 133 |
| Assets per employee ($millions) | 3.5897% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7121% | 210 |
| Loan loss allowance to noncurrent loans | 1,342.8571% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,575 |
| Noncurrent loans to loans | 0.2020% | 2,938 |
| Net loans and leases to total assets | 28.1806% | 4,563 |
| Net loans and leases to deposits | 32.0421% | 4,579 |
| Net loans and leases to core deposits | 32.0421% | 4,606 |
| Total domestic deposits to total assets | 87.9489% | 2,073 |
| Equity capital to assets | 11.9035% | 1,294 |
| Core capital (leverage) ratio | 11.7506% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,805,400 | 4,699 |
| Average earning assets | $33,462,200 | 4,685 |
| Average equity | $4,371,200 | 4,681 |
| Average total loans | $11,217,600 | 4,710 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5097% | 4,563 |
| Cost of funding earning assets | 0.1758% | 3,861 |
| Net interest margin | 2.3338% | 4,458 |
| Noninterest income to average assets | 0.2347% | 3,992 |
| Noninterest expense to average assets | 2.4704% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0708% | 4,764 |
| Return on assets (ROA) | -0.0708% | 4,772 |
| Pretax return on assets | -0.0596% | 4,768 |
| Return on Equity (ROE) | -0.5763% | 4,774 |
| Retained earnings to average equity (ytd only) | -0.5763% | 4,623 |
| Net charge-offs to loans | 0.0350% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -5.3333% | 2,432 |
| Efficiency ratio | 102.4730% | 137 |
| Assets per employee ($millions) | 5.2391% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5158% | 282 |
| Loan loss allowance to noncurrent loans | 975.8621% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,575 |
| Noncurrent loans to loans | 0.2578% | 2,900 |
| Net loans and leases to total assets | 29.9013% | 4,593 |
| Net loans and leases to deposits | 34.0601% | 4,620 |
| Net loans and leases to core deposits | 34.0601% | 4,651 |
| Total domestic deposits to total assets | 87.7897% | 1,957 |
| Equity capital to assets | 11.8913% | 1,451 |
| Core capital (leverage) ratio | 11.6741% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,782,500 | 4,771 |
| Average earning assets | $33,363,250 | 4,755 |
| Average equity | $4,395,750 | 4,748 |
| Average total loans | $11,422,500 | 4,777 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5379% | 4,589 |
| Cost of funding earning assets | 0.1817% | 3,932 |
| Net interest margin | 2.3561% | 4,461 |
| Noninterest income to average assets | 0.2254% | 4,050 |
| Noninterest expense to average assets | 2.4743% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0620% | 4,788 |
| Return on assets (ROA) | -0.0620% | 4,799 |
| Pretax return on assets | -0.0564% | 4,796 |
| Return on Equity (ROE) | -0.4992% | 4,800 |
| Retained earnings to average equity (ytd only) | -0.4992% | 4,567 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3310% | 147 |
| Assets per employee ($millions) | 4.6406% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6134% | 240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 28.8081% | 4,689 |
| Net loans and leases to deposits | 32.7625% | 4,712 |
| Net loans and leases to core deposits | 32.7625% | 4,736 |
| Total domestic deposits to total assets | 87.9300% | 1,867 |
| Equity capital to assets | 11.7764% | 1,469 |
| Core capital (leverage) ratio | 11.6971% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,485,333 | 4,808 |
| Average earning assets | $33,020,000 | 4,791 |
| Average equity | $4,407,333 | 4,778 |
| Average total loans | $11,480,333 | 4,812 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5816% | 4,585 |
| Cost of funding earning assets | 0.1986% | 3,926 |
| Net interest margin | 2.3831% | 4,433 |
| Noninterest income to average assets | 0.2308% | 3,999 |
| Noninterest expense to average assets | 2.5155% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0692% | 4,802 |
| Return on assets (ROA) | -0.0692% | 4,804 |
| Pretax return on assets | -0.0692% | 4,804 |
| Return on Equity (ROE) | -0.5424% | 4,803 |
| Retained earnings to average equity (ytd only) | -0.5424% | 4,414 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8302% | 165 |
| Assets per employee ($millions) | 4.4803% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4686% | 273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.6361% | 4,641 |
| Net loans and leases to deposits | 36.1425% | 4,673 |
| Net loans and leases to core deposits | 36.1425% | 4,718 |
| Total domestic deposits to total assets | 87.5314% | 2,074 |
| Equity capital to assets | 12.1757% | 1,215 |
| Core capital (leverage) ratio | 12.1953% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,665,500 | 4,836 |
| Average earning assets | $32,227,500 | 4,818 |
| Average equity | $4,425,000 | 4,797 |
| Average total loans | $11,729,500 | 4,833 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 4,229 |
| Cost of funding earning assets | 0.2643% | 4,322 |
| Net interest margin | 3.1113% | 3,603 |
| Noninterest income to average assets | 0.3406% | 3,424 |
| Noninterest expense to average assets | 2.9785% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1982% | 4,574 |
| Return on assets (ROA) | 0.1982% | 4,634 |
| Pretax return on assets | 0.2415% | 4,617 |
| Return on Equity (ROE) | 1.4446% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.2866% | 4,112 |
| Net charge-offs to loans | 0.0078% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 907 |
| Efficiency ratio | 92.5000% | 302 |
| Assets per employee ($millions) | 4.1861% | 4,220 |
| Cash dividends to net income (ytd only)* | 10.9375% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4254% | 289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 34.4770% | 4,630 |
| Net loans and leases to deposits | 39.9723% | 4,661 |
| Net loans and leases to core deposits | 39.9723% | 4,697 |
| Total domestic deposits to total assets | 86.2522% | 2,251 |
| Equity capital to assets | 13.3954% | 967 |
| Core capital (leverage) ratio | 12.8111% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9635% | 392 |
| Memoranda: | ||
| Average total assets | $32,298,200 | 4,849 |
| Average earning assets | $29,890,800 | 4,840 |
| Average equity | $4,430,200 | 4,809 |
| Average total loans | $12,837,600 | 4,843 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4635% | 4,268 |
| Cost of funding earning assets | 0.2789% | 4,394 |
| Net interest margin | 3.1846% | 3,531 |
| Noninterest income to average assets | 0.3708% | 3,236 |
| Noninterest expense to average assets | 3.0290% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2333% | 4,542 |
| Return on assets (ROA) | 0.2333% | 4,578 |
| Pretax return on assets | 0.2917% | 4,557 |
| Return on Equity (ROE) | 1.6907% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.6907% | 4,033 |
| Net charge-offs to loans | 0.0102% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 997 |
| Efficiency ratio | 91.2171% | 336 |
| Assets per employee ($millions) | 4.2180% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 359 |
| Loan loss allowance to noncurrent loans | 95.9866% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,301 |
| Noncurrent loans to loans | 2.2798% | 495 |
| Net loans and leases to total assets | 38.0156% | 4,615 |
| Net loans and leases to deposits | 44.0976% | 4,658 |
| Net loans and leases to core deposits | 44.0976% | 4,711 |
| Total domestic deposits to total assets | 86.2079% | 1,980 |
| Equity capital to assets | 13.3001% | 1,068 |
| Core capital (leverage) ratio | 13.1029% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2728% | 437 |
| Memoranda: | ||
| Average total assets | $32,000,500 | 4,882 |
| Average earning assets | $29,642,000 | 4,873 |
| Average equity | $4,416,250 | 4,834 |
| Average total loans | $13,088,750 | 4,871 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 4,230 |
| Cost of funding earning assets | 0.3090% | 4,447 |
| Net interest margin | 3.3097% | 3,358 |
| Noninterest income to average assets | 0.2419% | 4,035 |
| Noninterest expense to average assets | 3.1637% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0700% | 4,718 |
| Return on assets (ROA) | 0.0700% | 4,743 |
| Pretax return on assets | 0.1464% | 4,686 |
| Return on Equity (ROE) | 0.5009% | 4,747 |
| Retained earnings to average equity (ytd only) | 0.5009% | 4,212 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5769% | 254 |
| Assets per employee ($millions) | 4.0908% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 331 |
| Loan loss allowance to noncurrent loans | 87.7676% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 1,204 |
| Noncurrent loans to loans | 2.5082% | 466 |
| Net loans and leases to total assets | 38.9598% | 4,645 |
| Net loans and leases to deposits | 45.2931% | 4,669 |
| Net loans and leases to core deposits | 45.2931% | 4,730 |
| Total domestic deposits to total assets | 86.0172% | 2,003 |
| Equity capital to assets | 13.5519% | 971 |
| Core capital (leverage) ratio | 13.2677% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3597% | 430 |
| Memoranda: | ||
| Average total assets | $31,419,333 | 4,918 |
| Average earning assets | $29,126,667 | 4,904 |
| Average equity | $4,392,333 | 4,864 |
| Average total loans | $13,080,000 | 4,903 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 4,178 |
| Cost of funding earning assets | 0.3518% | 4,511 |
| Net interest margin | 3.4753% | 3,063 |
| Noninterest income to average assets | 0.2600% | 3,986 |
| Noninterest expense to average assets | 3.3544% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0390% | 4,722 |
| Return on assets (ROA) | 0.0390% | 4,718 |
| Pretax return on assets | 0.1170% | 4,647 |
| Return on Equity (ROE) | 0.2745% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.2745% | 3,925 |
| Net charge-offs to loans | 0.1221% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 2,302 |
| Efficiency ratio | 96.6292% | 307 |
| Assets per employee ($millions) | 3.8885% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 40.0862% | 4,663 |
| Net loans and leases to deposits | 46.8832% | 4,696 |
| Net loans and leases to core deposits | 46.8832% | 4,754 |
| Total domestic deposits to total assets | 85.5021% | 2,210 |
| Equity capital to assets | 14.1378% | 1,018 |
| Core capital (leverage) ratio | 13.8735% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4610% | 417 |
| Memoranda: | ||
| Average total assets | $30,766,000 | 4,962 |
| Average earning assets | $28,429,000 | 4,953 |
| Average equity | $4,371,000 | 4,904 |
| Average total loans | $13,101,500 | 4,942 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 3,671 |
| Cost of funding earning assets | 0.3053% | 4,714 |
| Net interest margin | 3.9478% | 2,009 |
| Noninterest income to average assets | 0.2699% | 4,064 |
| Noninterest expense to average assets | 3.0782% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6651% | 3,971 |
| Return on assets (ROA) | 0.6651% | 4,044 |
| Pretax return on assets | 0.8483% | 3,879 |
| Return on Equity (ROE) | 4.8546% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.6351% | 3,179 |
| Net charge-offs to loans | -0.0069% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3961% | 1,107 |
| Assets per employee ($millions) | 3.3804% | 4,583 |
| Cash dividends to net income (ytd only)* | 25.1208% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.2652% | 4,630 |
| Net loans and leases to deposits | 50.6503% | 4,661 |
| Net loans and leases to core deposits | 50.6503% | 4,741 |
| Total domestic deposits to total assets | 85.4194% | 2,337 |
| Equity capital to assets | 14.2782% | 1,007 |
| Core capital (leverage) ratio | 13.6780% | 1,004 |
| Tier 1 risk-based capital ratio | 23.3014% | 889 |
| Total risk-based capital ratio | 24.5504% | 870 |
| Memoranda: | ||
| Average total assets | $31,122,200 | 5,014 |
| Average earning assets | $28,826,200 | 4,999 |
| Average equity | $4,264,000 | 4,962 |
| Average total loans | $14,392,000 | 4,976 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 3,801 |
| Cost of funding earning assets | 0.2851% | 4,835 |
| Net interest margin | 3.9683% | 2,049 |
| Noninterest income to average assets | 0.2812% | 4,062 |
| Noninterest expense to average assets | 2.9907% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7626% | 3,800 |
| Return on assets (ROA) | 0.7626% | 3,870 |
| Pretax return on assets | 0.9671% | 3,694 |
| Return on Equity (ROE) | 5.6235% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.6235% | 2,555 |
| Net charge-offs to loans | -0.0091% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5651% | 1,377 |
| Assets per employee ($millions) | 3.4239% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.0193% | 4,551 |
| Net loans and leases to deposits | 55.0892% | 4,591 |
| Net loans and leases to core deposits | 55.0892% | 4,716 |
| Total domestic deposits to total assets | 85.3513% | 2,273 |
| Equity capital to assets | 14.1684% | 1,088 |
| Core capital (leverage) ratio | 13.9724% | 994 |
| Tier 1 risk-based capital ratio | 21.7137% | 1,111 |
| Total risk-based capital ratio | 22.9614% | 1,084 |
| Memoranda: | ||
| Average total assets | $31,296,750 | 5,087 |
| Average earning assets | $28,995,750 | 5,074 |
| Average equity | $4,244,000 | 5,036 |
| Average total loans | $14,627,500 | 5,051 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,882 |
| Cost of funding earning assets | 0.2742% | 4,889 |
| Net interest margin | 3.9416% | 2,116 |
| Noninterest income to average assets | 0.2670% | 4,152 |
| Noninterest expense to average assets | 2.9818% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7375% | 3,872 |
| Return on assets (ROA) | 0.7375% | 3,932 |
| Pretax return on assets | 0.9410% | 3,737 |
| Return on Equity (ROE) | 5.5194% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.5194% | 2,513 |
| Net charge-offs to loans | -0.0137% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0130% | 1,394 |
| Assets per employee ($millions) | 3.4454% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 46.6316% | 4,620 |
| Net loans and leases to deposits | 54.4223% | 4,668 |
| Net loans and leases to core deposits | 54.4223% | 4,770 |
| Total domestic deposits to total assets | 85.6848% | 2,185 |
| Equity capital to assets | 13.9024% | 1,158 |
| Core capital (leverage) ratio | 13.5093% | 1,112 |
| Tier 1 risk-based capital ratio | 21.2709% | 1,150 |
| Total risk-based capital ratio | 22.5210% | 1,129 |
| Memoranda: | ||
| Average total assets | $31,457,330 | 5,129 |
| Average earning assets | $29,176,000 | 5,113 |
| Average equity | $4,203,330 | 5,079 |
| Average total loans | $14,578,000 | 5,096 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 4,106 |
| Cost of funding earning assets | 0.2312% | 5,036 |
| Net interest margin | 3.8763% | 2,263 |
| Noninterest income to average assets | 0.2399% | 4,287 |
| Noninterest expense to average assets | 2.9923% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6944% | 3,957 |
| Return on assets (ROA) | 0.6944% | 3,998 |
| Pretax return on assets | 0.8459% | 3,927 |
| Return on Equity (ROE) | 5.3018% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.3018% | 2,776 |
| Net charge-offs to loans | -0.0276% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9605% | 1,269 |
| Assets per employee ($millions) | 3.5653% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 44.1473% | 4,744 |
| Net loans and leases to deposits | 50.9935% | 4,785 |
| Net loans and leases to core deposits | 50.9935% | 4,863 |
| Total domestic deposits to total assets | 86.5744% | 2,018 |
| Equity capital to assets | 13.1077% | 1,391 |
| Core capital (leverage) ratio | 13.1231% | 1,213 |
| Tier 1 risk-based capital ratio | 20.8020% | 1,200 |
| Total risk-based capital ratio | 22.0517% | 1,172 |
| Memoranda: | ||
| Average total assets | $31,681,500 | 5,181 |
| Average earning assets | $29,409,500 | 5,162 |
| Average equity | $4,149,500 | 5,128 |
| Average total loans | $14,493,500 | 5,159 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 4,184 |
| Cost of funding earning assets | 0.2152% | 4,946 |
| Net interest margin | 3.7286% | 2,938 |
| Noninterest income to average assets | 0.2683% | 4,314 |
| Noninterest expense to average assets | 2.9133% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7829% | 3,868 |
| Return on assets (ROA) | 0.7829% | 3,869 |
| Pretax return on assets | 0.8141% | 4,130 |
| Return on Equity (ROE) | 6.2967% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.1678% | 2,681 |
| Net charge-offs to loans | -0.0139% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1590% | 1,111 |
| Assets per employee ($millions) | 3.4750% | 4,574 |
| Cash dividends to net income (ytd only)* | 17.9283% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 45.5572% | 4,756 |
| Net loans and leases to deposits | 52.5659% | 4,805 |
| Net loans and leases to core deposits | 52.5659% | 4,886 |
| Total domestic deposits to total assets | 86.6667% | 1,935 |
| Equity capital to assets | 13.0871% | 1,299 |
| Core capital (leverage) ratio | 13.0395% | 1,230 |
| Tier 1 risk-based capital ratio | 20.6269% | 1,205 |
| Total risk-based capital ratio | 21.8778% | 1,176 |
| Memoranda: | ||
| Average total assets | $32,059,600 | 5,218 |
| Average earning assets | $29,743,000 | 5,199 |
| Average equity | $3,986,200 | 5,182 |
| Average total loans | $14,418,000 | 5,206 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 4,252 |
| Cost of funding earning assets | 0.2184% | 4,951 |
| Net interest margin | 3.6630% | 3,155 |
| Noninterest income to average assets | 0.2645% | 4,386 |
| Noninterest expense to average assets | 2.9513% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7275% | 4,145 |
| Return on assets (ROA) | 0.7275% | 4,154 |
| Pretax return on assets | 0.7110% | 4,505 |
| Return on Equity (ROE) | 5.9265% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.9265% | 2,691 |
| Net charge-offs to loans | -0.0092% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5869% | 893 |
| Assets per employee ($millions) | 3.4562% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 45.7564% | 4,815 |
| Net loans and leases to deposits | 52.6953% | 4,865 |
| Net loans and leases to core deposits | 52.6953% | 4,949 |
| Total domestic deposits to total assets | 86.8321% | 1,807 |
| Equity capital to assets | 12.9010% | 1,381 |
| Core capital (leverage) ratio | 13.0694% | 1,250 |
| Tier 1 risk-based capital ratio | 20.3737% | 1,272 |
| Total risk-based capital ratio | 21.6228% | 1,246 |
| Memoranda: | ||
| Average total assets | $32,255,750 | 5,284 |
| Average earning assets | $29,919,750 | 5,264 |
| Average equity | $3,959,500 | 5,248 |
| Average total loans | $14,389,000 | 5,273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,356 |
| Cost of funding earning assets | 0.2240% | 4,894 |
| Net interest margin | 3.5704% | 3,410 |
| Noninterest income to average assets | 0.2635% | 4,426 |
| Noninterest expense to average assets | 2.8616% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5944% | 4,510 |
| Return on assets (ROA) | 0.5944% | 4,514 |
| Pretax return on assets | 0.7231% | 4,452 |
| Return on Equity (ROE) | 4.9218% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.9218% | 3,116 |
| Net charge-offs to loans | -0.0139% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8291% | 1,031 |
| Assets per employee ($millions) | 3.2175% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 44.9044% | 4,870 |
| Net loans and leases to deposits | 51.3908% | 4,932 |
| Net loans and leases to core deposits | 51.3908% | 5,013 |
| Total domestic deposits to total assets | 87.3784% | 1,692 |
| Equity capital to assets | 12.3139% | 1,650 |
| Core capital (leverage) ratio | 12.1823% | 1,600 |
| Tier 1 risk-based capital ratio | 19.0271% | 1,544 |
| Total risk-based capital ratio | 20.2772% | 1,510 |
| Memoranda: | ||
| Average total assets | $32,639,000 | 5,348 |
| Average earning assets | $30,360,670 | 5,327 |
| Average equity | $3,941,670 | 5,310 |
| Average total loans | $14,345,670 | 5,333 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,514 |
| Cost of funding earning assets | 0.2226% | 4,878 |
| Net interest margin | 3.4563% | 3,686 |
| Noninterest income to average assets | 0.2434% | 4,549 |
| Noninterest expense to average assets | 2.8597% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5111% | 4,663 |
| Return on assets (ROA) | 0.5111% | 4,668 |
| Pretax return on assets | 0.5963% | 4,695 |
| Return on Equity (ROE) | 4.2732% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.2732% | 3,476 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7465% | 884 |
| Assets per employee ($millions) | 3.3639% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 40.8900% | 5,035 |
| Net loans and leases to deposits | 46.4508% | 5,087 |
| Net loans and leases to core deposits | 46.4508% | 5,145 |
| Total domestic deposits to total assets | 88.0288% | 1,602 |
| Equity capital to assets | 11.6650% | 2,019 |
| Core capital (leverage) ratio | 12.0615% | 1,616 |
| Tier 1 risk-based capital ratio | 19.4329% | 1,449 |
| Total risk-based capital ratio | 20.6835% | 1,415 |
| Memoranda: | ||
| Average total assets | $32,871,000 | 5,395 |
| Average earning assets | $30,553,000 | 5,380 |
| Average equity | $3,931,500 | 5,364 |
| Average total loans | $14,151,500 | 5,397 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,207 |
| Cost of funding earning assets | 0.2363% | 4,677 |
| Net interest margin | 3.5179% | 3,474 |
| Noninterest income to average assets | 0.2814% | 4,446 |
| Noninterest expense to average assets | 2.8172% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5778% | 4,103 |
| Return on assets (ROA) | 0.5876% | 4,104 |
| Pretax return on assets | 0.7453% | 4,399 |
| Return on Equity (ROE) | 4.8413% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.7966% | 2,949 |
| Net charge-offs to loans | -0.2067% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3554% | 1,175 |
| Assets per employee ($millions) | 3.2103% | 5,021 |
| Cash dividends to net income (ytd only)* | 21.5789% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 43.5442% | 4,998 |
| Net loans and leases to deposits | 49.7757% | 5,066 |
| Net loans and leases to core deposits | 49.7757% | 5,142 |
| Total domestic deposits to total assets | 87.4809% | 1,773 |
| Equity capital to assets | 12.2699% | 1,655 |
| Core capital (leverage) ratio | 12.1600% | 1,522 |
| Tier 1 risk-based capital ratio | 19.4174% | 1,432 |
| Total risk-based capital ratio | 20.6659% | 1,405 |
| Memoranda: | ||
| Average total assets | $32,336,800 | 5,462 |
| Average earning assets | $30,046,200 | 5,440 |
| Average equity | $3,924,600 | 5,434 |
| Average total loans | $14,514,600 | 5,450 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 4,177 |
| Cost of funding earning assets | 0.2391% | 4,658 |
| Net interest margin | 3.5114% | 3,464 |
| Noninterest income to average assets | 0.2840% | 4,493 |
| Noninterest expense to average assets | 2.8357% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5713% | 4,501 |
| Return on assets (ROA) | 0.5844% | 4,482 |
| Pretax return on assets | 0.7285% | 4,532 |
| Return on Equity (ROE) | 4.8286% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8286% | 2,999 |
| Net charge-offs to loans | -0.1189% | 5,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9304% | 1,115 |
| Assets per employee ($millions) | 3.5173% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 45.5396% | 4,961 |
| Net loans and leases to deposits | 52.3837% | 5,039 |
| Net loans and leases to core deposits | 52.3837% | 5,125 |
| Total domestic deposits to total assets | 86.9345% | 1,890 |
| Equity capital to assets | 12.6264% | 1,586 |
| Core capital (leverage) ratio | 12.2779% | 1,526 |
| Tier 1 risk-based capital ratio | 19.1256% | 1,549 |
| Total risk-based capital ratio | 20.3720% | 1,516 |
| Memoranda: | ||
| Average total assets | $32,395,250 | 5,518 |
| Average earning assets | $30,110,500 | 5,497 |
| Average equity | $3,921,000 | 5,492 |
| Average total loans | $14,577,500 | 5,505 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,305 |
| Cost of funding earning assets | 0.2497% | 4,543 |
| Net interest margin | 3.4237% | 3,684 |
| Noninterest income to average assets | 0.2880% | 4,494 |
| Noninterest expense to average assets | 2.7756% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5943% | 4,331 |
| Return on assets (ROA) | 0.5943% | 4,379 |
| Pretax return on assets | 0.7046% | 4,533 |
| Return on Equity (ROE) | 4.9799% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.9799% | 2,722 |
| Net charge-offs to loans | -0.1100% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7535% | 1,236 |
| Assets per employee ($millions) | 3.3005% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7980% | 892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.5207% | 5,067 |
| Net loans and leases to deposits | 49.6680% | 5,153 |
| Net loans and leases to core deposits | 49.6680% | 5,238 |
| Total domestic deposits to total assets | 87.6231% | 1,649 |
| Equity capital to assets | 12.0285% | 1,905 |
| Core capital (leverage) ratio | 11.6784% | 1,845 |
| Tier 1 risk-based capital ratio | 20.2085% | 1,323 |
| Total risk-based capital ratio | 21.4573% | 1,296 |
| Memoranda: | ||
| Average total assets | $32,641,670 | 5,564 |
| Average earning assets | $30,434,670 | 5,541 |
| Average equity | $3,895,670 | 5,540 |
| Average total loans | $14,542,000 | 5,555 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 4,357 |
| Cost of funding earning assets | 0.2644% | 4,411 |
| Net interest margin | 3.3583% | 3,805 |
| Noninterest income to average assets | 0.2834% | 4,518 |
| Noninterest expense to average assets | 2.8466% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5052% | 4,576 |
| Return on assets (ROA) | 0.5052% | 4,608 |
| Pretax return on assets | 0.5669% | 4,801 |
| Return on Equity (ROE) | 4.2504% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.2504% | 3,317 |
| Net charge-offs to loans | -0.2207% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3935% | 1,024 |
| Assets per employee ($millions) | 3.3026% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 42.0820% | 5,160 |
| Net loans and leases to deposits | 47.8351% | 5,229 |
| Net loans and leases to core deposits | 47.8351% | 5,309 |
| Total domestic deposits to total assets | 87.9731% | 1,733 |
| Equity capital to assets | 11.7635% | 1,991 |
| Core capital (leverage) ratio | 11.7307% | 1,807 |
| Tier 1 risk-based capital ratio | 20.7683% | 1,251 |
| Total risk-based capital ratio | 22.0166% | 1,230 |
| Memoranda: | ||
| Average total assets | $32,460,000 | 5,629 |
| Average earning assets | $30,253,500 | 5,607 |
| Average equity | $3,858,500 | 5,601 |
| Average total loans | $14,499,500 | 5,621 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,008 |
| Cost of funding earning assets | 0.2720% | 4,340 |
| Net interest margin | 3.4930% | 3,460 |
| Noninterest income to average assets | 0.2928% | 4,646 |
| Noninterest expense to average assets | 2.7154% | 3,300 |
| Loan and lease loss provision to assets | 0.0678% | 3,014 |
| Net operating income to assets | 0.6380% | 4,051 |
| Return on assets (ROA) | 0.6380% | 4,161 |
| Pretax return on assets | 0.7551% | 4,317 |
| Return on Equity (ROE) | 5.4030% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.4373% | 2,756 |
| Net charge-offs to loans | 0.0198% | 3,656 |
| Credit loss provision to net charge-offs | 733.3333% | 491 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 660 |
| Efficiency ratio | 76.7422% | 1,889 |
| Assets per employee ($millions) | 3.1894% | 5,158 |
| Cash dividends to net income (ytd only)* | 17.8744% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 1,106 |
| Loan loss allowance to noncurrent loans | 6,375.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,353 |
| Noncurrent loans to loans | 0.0270% | 5,157 |
| Net loans and leases to total assets | 45.7265% | 5,032 |
| Net loans and leases to deposits | 52.0801% | 5,116 |
| Net loans and leases to core deposits | 52.0801% | 5,223 |
| Total domestic deposits to total assets | 87.8002% | 1,742 |
| Equity capital to assets | 12.0148% | 1,793 |
| Core capital (leverage) ratio | 11.8778% | 1,683 |
| Tier 1 risk-based capital ratio | 19.3591% | 1,513 |
| Total risk-based capital ratio | 20.6064% | 1,476 |
| Memoranda: | ||
| Average total assets | $32,444,000 | 5,685 |
| Average earning assets | $30,146,400 | 5,658 |
| Average equity | $3,831,200 | 5,662 |
| Average total loans | $15,145,800 | 5,663 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,029 |
| Cost of funding earning assets | 0.2731% | 4,354 |
| Net interest margin | 3.4934% | 3,498 |
| Noninterest income to average assets | 0.2946% | 4,658 |
| Noninterest expense to average assets | 2.8154% | 2,951 |
| Loan and lease loss provision to assets | 0.0900% | 2,425 |
| Net operating income to assets | 0.5034% | 4,690 |
| Return on assets (ROA) | 0.5034% | 4,787 |
| Pretax return on assets | 0.6343% | 4,785 |
| Return on Equity (ROE) | 4.2809% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.2809% | 3,277 |
| Net charge-offs to loans | -0.0175% | 4,964 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5376% | 1,491 |
| Assets per employee ($millions) | 3.5503% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,280 |
| Loan loss allowance to noncurrent loans | 602.3256% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,894 |
| Noncurrent loans to loans | 0.2777% | 4,267 |
| Net loans and leases to total assets | 47.6481% | 4,985 |
| Net loans and leases to deposits | 54.7485% | 5,067 |
| Net loans and leases to core deposits | 54.7485% | 5,199 |
| Total domestic deposits to total assets | 87.0310% | 1,880 |
| Equity capital to assets | 12.2586% | 1,934 |
| Core capital (leverage) ratio | 11.6362% | 1,931 |
| Tier 1 risk-based capital ratio | 18.6044% | 1,763 |
| Total risk-based capital ratio | 19.8529% | 1,727 |
| Memoranda: | ||
| Average total assets | $32,581,500 | 5,743 |
| Average earning assets | $30,266,250 | 5,716 |
| Average equity | $3,831,000 | 5,722 |
| Average total loans | $15,222,500 | 5,718 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,311 |
| Cost of funding earning assets | 0.2688% | 4,455 |
| Net interest margin | 3.4285% | 3,763 |
| Noninterest income to average assets | 0.2867% | 4,736 |
| Noninterest expense to average assets | 2.8666% | 2,785 |
| Loan and lease loss provision to assets | 0.0305% | 3,518 |
| Net operating income to assets | 0.4513% | 4,864 |
| Return on assets (ROA) | 0.4513% | 4,954 |
| Pretax return on assets | 0.5794% | 4,942 |
| Return on Equity (ROE) | 3.8924% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.8924% | 3,423 |
| Net charge-offs to loans | -0.0264% | 5,069 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4561% | 1,217 |
| Assets per employee ($millions) | 2.9229% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.8850% | 5,003 |
| Net loans and leases to deposits | 54.9269% | 5,083 |
| Net loans and leases to core deposits | 54.9269% | 5,230 |
| Total domestic deposits to total assets | 87.1796% | 1,822 |
| Equity capital to assets | 12.1081% | 2,046 |
| Core capital (leverage) ratio | 11.2784% | 2,166 |
| Tier 1 risk-based capital ratio | 18.2058% | 1,876 |
| Total risk-based capital ratio | 19.3896% | 1,861 |
| Memoranda: | ||
| Average total assets | $32,791,000 | 5,807 |
| Average earning assets | $30,509,000 | 5,780 |
| Average equity | $3,802,330 | 5,794 |
| Average total loans | $15,135,330 | 5,786 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 4,582 |
| Cost of funding earning assets | 0.2851% | 4,330 |
| Net interest margin | 3.3306% | 4,107 |
| Noninterest income to average assets | 0.2779% | 4,733 |
| Noninterest expense to average assets | 2.8390% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4832% | 4,697 |
| Return on assets (ROA) | 0.4832% | 4,794 |
| Pretax return on assets | 0.5436% | 4,970 |
| Return on Equity (ROE) | 4.2587% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.2587% | 3,352 |
| Net charge-offs to loans | -0.0269% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9286% | 1,164 |
| Assets per employee ($millions) | 3.7029% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 43.8997% | 5,244 |
| Net loans and leases to deposits | 49.8348% | 5,348 |
| Net loans and leases to core deposits | 49.8348% | 5,443 |
| Total domestic deposits to total assets | 88.0904% | 1,596 |
| Equity capital to assets | 11.4055% | 2,528 |
| Core capital (leverage) ratio | 11.0007% | 2,406 |
| Tier 1 risk-based capital ratio | 17.9850% | 1,991 |
| Total risk-based capital ratio | 19.1310% | 1,982 |
| Memoranda: | ||
| Average total assets | $33,110,500 | 5,859 |
| Average earning assets | $30,865,000 | 5,832 |
| Average equity | $3,757,000 | 5,847 |
| Average total loans | $14,884,000 | 5,852 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 4,488 |
| Cost of funding earning assets | 0.3015% | 4,232 |
| Net interest margin | 3.3589% | 4,080 |
| Noninterest income to average assets | 0.2803% | 4,876 |
| Noninterest expense to average assets | 2.7369% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5426% | 4,532 |
| Return on assets (ROA) | 0.5426% | 4,625 |
| Pretax return on assets | 0.6661% | 4,629 |
| Return on Equity (ROE) | 4.9199% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,089 |
| Net charge-offs to loans | 0.0993% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.7333% | 2,268 |
| Efficiency ratio | 80.4252% | 1,619 |
| Assets per employee ($millions) | 3.2895% | 5,168 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 1,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.5904% | 5,247 |
| Net loans and leases to deposits | 50.4731% | 5,367 |
| Net loans and leases to core deposits | 50.4731% | 5,477 |
| Total domestic deposits to total assets | 88.3447% | 1,453 |
| Equity capital to assets | 11.2874% | 2,551 |
| Core capital (leverage) ratio | 10.9615% | 2,445 |
| Tier 1 risk-based capital ratio | 18.5583% | 1,818 |
| Total risk-based capital ratio | 19.7538% | 1,774 |
| Memoranda: | ||
| Average total assets | $33,176,000 | 5,907 |
| Average earning assets | $30,843,800 | 5,885 |
| Average equity | $3,658,600 | 5,905 |
| Average total loans | $15,103,000 | 5,891 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6522% | 4,570 |
| Cost of funding earning assets | 0.3061% | 4,263 |
| Net interest margin | 3.3460% | 4,156 |
| Noninterest income to average assets | 0.2807% | 4,937 |
| Noninterest expense to average assets | 2.8033% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4772% | 4,865 |
| Return on assets (ROA) | 0.4772% | 4,967 |
| Pretax return on assets | 0.5895% | 4,998 |
| Return on Equity (ROE) | 4.3528% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.3528% | 3,373 |
| Net charge-offs to loans | -0.0088% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6241% | 1,314 |
| Assets per employee ($millions) | 3.2531% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 1,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 5,355 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.0392% | 5,226 |
| Net loans and leases to deposits | 52.3928% | 5,349 |
| Net loans and leases to core deposits | 53.0253% | 5,461 |
| Total domestic deposits to total assets | 87.8731% | 1,628 |
| Equity capital to assets | 11.4322% | 2,554 |
| Core capital (leverage) ratio | 10.8161% | 2,696 |
| Tier 1 risk-based capital ratio | 17.1960% | 2,294 |
| Total risk-based capital ratio | 18.3893% | 2,267 |
| Memoranda: | ||
| Average total assets | $33,246,250 | 5,987 |
| Average earning assets | $30,921,500 | 5,961 |
| Average equity | $3,645,000 | 5,986 |
| Average total loans | $15,153,000 | 5,969 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 4,734 |
| Cost of funding earning assets | 0.3015% | 4,383 |
| Net interest margin | 3.2907% | 4,335 |
| Noninterest income to average assets | 0.2748% | 4,986 |
| Noninterest expense to average assets | 2.7834% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4838% | 4,837 |
| Return on assets (ROA) | 0.4838% | 4,941 |
| Pretax return on assets | 0.5555% | 5,087 |
| Return on Equity (ROE) | 4.4747% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.4747% | 3,167 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3631% | 1,333 |
| Assets per employee ($millions) | 3.3441% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,733 |
| Loan loss allowance to noncurrent loans | 925.9259% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,550 |
| Noncurrent loans to loans | 0.1786% | 5,062 |
| Net loans and leases to total assets | 44.4574% | 5,357 |
| Net loans and leases to deposits | 50.1467% | 5,498 |
| Net loans and leases to core deposits | 50.7302% | 5,585 |
| Total domestic deposits to total assets | 88.6546% | 1,325 |
| Equity capital to assets | 10.8490% | 3,056 |
| Core capital (leverage) ratio | 10.4784% | 2,989 |
| Tier 1 risk-based capital ratio | 17.1960% | 2,331 |
| Total risk-based capital ratio | 18.3972% | 2,301 |
| Memoranda: | ||
| Average total assets | $33,484,670 | 6,047 |
| Average earning assets | $31,178,670 | 6,022 |
| Average equity | $3,620,330 | 6,051 |
| Average total loans | $15,128,000 | 6,028 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 4,747 |
| Cost of funding earning assets | 0.3081% | 4,353 |
| Net interest margin | 3.2740% | 4,328 |
| Noninterest income to average assets | 0.2626% | 5,074 |
| Noninterest expense to average assets | 2.7935% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4775% | 4,773 |
| Return on assets (ROA) | 0.4775% | 4,887 |
| Pretax return on assets | 0.5133% | 5,144 |
| Return on Equity (ROE) | 4.4242% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.4242% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4765% | 1,319 |
| Assets per employee ($millions) | 3.3891% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 43.1147% | 5,417 |
| Net loans and leases to deposits | 48.6434% | 5,539 |
| Net loans and leases to core deposits | 49.2020% | 5,629 |
| Total domestic deposits to total assets | 88.6342% | 1,481 |
| Equity capital to assets | 10.7934% | 3,201 |
| Core capital (leverage) ratio | 10.3859% | 3,113 |
| Tier 1 risk-based capital ratio | 17.3668% | 2,349 |
| Total risk-based capital ratio | 18.5936% | 2,318 |
| Memoranda: | ||
| Average total assets | $33,506,500 | 6,112 |
| Average earning assets | $31,155,000 | 6,087 |
| Average equity | $3,616,500 | 6,111 |
| Average total loans | $15,133,500 | 6,081 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 4,511 |
| Cost of funding earning assets | 0.3578% | 4,170 |
| Net interest margin | 3.4364% | 4,039 |
| Noninterest income to average assets | 0.2792% | 5,118 |
| Noninterest expense to average assets | 2.8398% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5343% | 4,666 |
| Return on assets (ROA) | 0.5343% | 4,748 |
| Pretax return on assets | 0.5824% | 4,996 |
| Return on Equity (ROE) | 5.1469% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.4818% | 2,984 |
| Net charge-offs to loans | -0.0450% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9825% | 1,530 |
| Assets per employee ($millions) | 3.3122% | 5,239 |
| Cash dividends to net income (ytd only)* | 12.9213% | 4,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 2,021 |
| Loan loss allowance to noncurrent loans | 892.8571% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 5,691 |
| Noncurrent loans to loans | 0.1818% | 5,178 |
| Net loans and leases to total assets | 45.7551% | 5,346 |
| Net loans and leases to deposits | 51.5231% | 5,513 |
| Net loans and leases to core deposits | 52.1274% | 5,608 |
| Total domestic deposits to total assets | 88.8050% | 1,349 |
| Equity capital to assets | 10.7934% | 3,128 |
| Core capital (leverage) ratio | 10.2356% | 3,265 |
| Tier 1 risk-based capital ratio | 17.0426% | 2,496 |
| Total risk-based capital ratio | 18.2607% | 2,464 |
| Memoranda: | ||
| Average total assets | $33,312,200 | 6,192 |
| Average earning assets | $30,468,000 | 6,174 |
| Average equity | $3,458,400 | 6,188 |
| Average total loans | $15,540,000 | 6,146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 4,567 |
| Cost of funding earning assets | 0.3639% | 4,195 |
| Net interest margin | 3.4288% | 4,109 |
| Noninterest income to average assets | 0.2878% | 5,143 |
| Noninterest expense to average assets | 2.8777% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4916% | 4,901 |
| Return on assets (ROA) | 0.4916% | 4,967 |
| Pretax return on assets | 0.5356% | 5,221 |
| Return on Equity (ROE) | 4.7824% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.7824% | 3,225 |
| Net charge-offs to loans | -0.0599% | 5,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3091% | 1,355 |
| Assets per employee ($millions) | 3.3757% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 2,328 |
| Loan loss allowance to noncurrent loans | 862.0690% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,817 |
| Noncurrent loans to loans | 0.1845% | 5,359 |
| Net loans and leases to total assets | 45.8127% | 5,396 |
| Net loans and leases to deposits | 51.5363% | 5,559 |
| Net loans and leases to core deposits | 52.1286% | 5,677 |
| Total domestic deposits to total assets | 88.8942% | 1,300 |
| Equity capital to assets | 10.4778% | 3,593 |
| Core capital (leverage) ratio | 10.2508% | 3,338 |
| Tier 1 risk-based capital ratio | 16.5347% | 2,804 |
| Total risk-based capital ratio | 17.7273% | 2,775 |
| Memoranda: | ||
| Average total assets | $33,359,750 | 6,265 |
| Average earning assets | $30,408,500 | 6,251 |
| Average equity | $3,429,250 | 6,260 |
| Average total loans | $15,573,750 | 6,212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 4,518 |
| Cost of funding earning assets | 0.3650% | 4,257 |
| Net interest margin | 3.4373% | 4,027 |
| Noninterest income to average assets | 0.2769% | 5,213 |
| Noninterest expense to average assets | 2.8651% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4514% | 5,009 |
| Return on assets (ROA) | 0.4514% | 5,088 |
| Pretax return on assets | 0.5297% | 5,193 |
| Return on Equity (ROE) | 4.4204% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.4204% | 3,360 |
| Net charge-offs to loans | -0.0902% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3972% | 1,454 |
| Assets per employee ($millions) | 3.0989% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 2,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.9282% | 5,364 |
| Net loans and leases to deposits | 51.4458% | 5,533 |
| Net loans and leases to core deposits | 52.0271% | 5,664 |
| Total domestic deposits to total assets | 89.2748% | 1,211 |
| Equity capital to assets | 10.2323% | 3,784 |
| Core capital (leverage) ratio | 10.2983% | 3,217 |
| Tier 1 risk-based capital ratio | 16.1181% | 3,026 |
| Total risk-based capital ratio | 17.2970% | 2,999 |
| Memoranda: | ||
| Average total assets | $33,227,330 | 6,322 |
| Average earning assets | $30,140,000 | 6,314 |
| Average equity | $3,393,330 | 6,313 |
| Average total loans | $15,526,670 | 6,271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,720 |
| Cost of funding earning assets | 0.3710% | 4,306 |
| Net interest margin | 3.3656% | 4,270 |
| Noninterest income to average assets | 0.2683% | 5,222 |
| Noninterest expense to average assets | 2.9027% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4025% | 5,104 |
| Return on assets (ROA) | 0.4025% | 5,172 |
| Pretax return on assets | 0.4635% | 5,277 |
| Return on Equity (ROE) | 3.9450% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.9450% | 3,749 |
| Net charge-offs to loans | -0.1043% | 6,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2319% | 1,430 |
| Assets per employee ($millions) | 3.0073% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 2,563 |
| Loan loss allowance to noncurrent loans | 30.0853% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.4819% | 1,292 |
| Noncurrent loans to loans | 5.4331% | 372 |
| Net loans and leases to total assets | 44.9335% | 5,434 |
| Net loans and leases to deposits | 50.3284% | 5,573 |
| Net loans and leases to core deposits | 50.9146% | 5,694 |
| Total domestic deposits to total assets | 89.2805% | 1,481 |
| Equity capital to assets | 10.2539% | 3,533 |
| Core capital (leverage) ratio | 10.2751% | 3,194 |
| Tier 1 risk-based capital ratio | 16.6027% | 2,845 |
| Total risk-based capital ratio | 17.8174% | 2,834 |
| Memoranda: | ||
| Average total assets | $32,797,000 | 6,398 |
| Average earning assets | $30,187,500 | 6,378 |
| Average equity | $3,346,000 | 6,378 |
| Average total loans | $15,337,000 | 6,338 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 4,253 |
| Cost of funding earning assets | 0.4565% | 4,055 |
| Net interest margin | 3.5011% | 3,909 |
| Noninterest income to average assets | 0.2933% | 5,254 |
| Noninterest expense to average assets | 2.9538% | 3,189 |
| Loan and lease loss provision to assets | -0.1723% | 6,571 |
| Net operating income to assets | 0.6347% | 4,099 |
| Return on assets (ROA) | 0.6893% | 3,941 |
| Pretax return on assets | 0.7982% | 4,148 |
| Return on Equity (ROE) | 6.8957% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.2001% | 1,848 |
| Net charge-offs to loans | -0.7533% | 6,749 |
| Credit loss provision to net charge-offs | 45.9677% | 3,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0069% | 1,626 |
| Assets per employee ($millions) | 3.2514% | 5,389 |
| Cash dividends to net income (ytd only)* | 10.0877% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 2,916 |
| Loan loss allowance to noncurrent loans | 4,860.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,369 |
| Noncurrent loans to loans | 0.0321% | 6,156 |
| Net loans and leases to total assets | 47.1182% | 5,379 |
| Net loans and leases to deposits | 52.6424% | 5,579 |
| Net loans and leases to core deposits | 53.2647% | 5,718 |
| Total domestic deposits to total assets | 89.5061% | 1,332 |
| Equity capital to assets | 10.1495% | 3,569 |
| Core capital (leverage) ratio | 10.2571% | 3,209 |
| Tier 1 risk-based capital ratio | 16.4972% | 2,857 |
| Total risk-based capital ratio | 17.6964% | 2,844 |
| Memoranda: | ||
| Average total assets | $33,075,600 | 6,457 |
| Average earning assets | $30,447,400 | 6,441 |
| Average equity | $3,306,400 | 6,472 |
| Average total loans | $16,460,000 | 6,351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 4,266 |
| Cost of funding earning assets | 0.4710% | 4,060 |
| Net interest margin | 3.4930% | 3,911 |
| Noninterest income to average assets | 0.2930% | 5,356 |
| Noninterest expense to average assets | 2.8700% | 3,405 |
| Loan and lease loss provision to assets | -0.2288% | 6,739 |
| Net operating income to assets | 0.7504% | 3,598 |
| Return on assets (ROA) | 0.8229% | 3,353 |
| Pretax return on assets | 0.9513% | 3,686 |
| Return on Equity (ROE) | 8.2627% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.2627% | 1,311 |
| Net charge-offs to loans | -0.9590% | 6,829 |
| Credit loss provision to net charge-offs | 47.5000% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8078% | 1,847 |
| Assets per employee ($millions) | 3.1239% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 3,828 |
| Loan loss allowance to noncurrent loans | 11,950.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,497 |
| Noncurrent loans to loans | 0.0118% | 6,332 |
| Net loans and leases to total assets | 53.2764% | 4,711 |
| Net loans and leases to deposits | 59.9813% | 4,975 |
| Net loans and leases to core deposits | 60.7254% | 5,245 |
| Total domestic deposits to total assets | 88.8217% | 1,656 |
| Equity capital to assets | 10.6469% | 3,120 |
| Core capital (leverage) ratio | 10.4469% | 3,064 |
| Tier 1 risk-based capital ratio | 15.3475% | 3,539 |
| Total risk-based capital ratio | 16.4448% | 3,589 |
| Memoranda: | ||
| Average total assets | $33,216,000 | 6,526 |
| Average earning assets | $30,574,750 | 6,503 |
| Average equity | $3,308,000 | 6,545 |
| Average total loans | $16,684,250 | 6,406 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,669 |
| Cost of funding earning assets | 0.4710% | 4,194 |
| Net interest margin | 3.3736% | 4,292 |
| Noninterest income to average assets | 0.2775% | 5,469 |
| Noninterest expense to average assets | 2.8989% | 3,338 |
| Loan and lease loss provision to assets | -0.0236% | 6,603 |
| Net operating income to assets | 0.5373% | 4,625 |
| Return on assets (ROA) | 0.6554% | 4,201 |
| Pretax return on assets | 0.6494% | 4,839 |
| Return on Equity (ROE) | 6.7232% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.7232% | 2,022 |
| Net charge-offs to loans | -0.1685% | 6,619 |
| Credit loss provision to net charge-offs | 28.5714% | 3,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0953% | 1,516 |
| Assets per employee ($millions) | 3.5956% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,476 |
| Loan loss allowance to noncurrent loans | 600.0000% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 6,205 |
| Noncurrent loans to loans | 0.1821% | 5,862 |
| Net loans and leases to total assets | 52.0457% | 4,861 |
| Net loans and leases to deposits | 58.0618% | 5,155 |
| Net loans and leases to core deposits | 58.7505% | 5,363 |
| Total domestic deposits to total assets | 89.6384% | 1,236 |
| Equity capital to assets | 9.9289% | 4,002 |
| Core capital (leverage) ratio | 9.5776% | 4,108 |
| Tier 1 risk-based capital ratio | 12.8683% | 5,246 |
| Total risk-based capital ratio | 13.6050% | 5,543 |
| Memoranda: | ||
| Average total assets | $33,875,000 | 6,557 |
| Average earning assets | $31,420,330 | 6,530 |
| Average equity | $3,302,000 | 6,601 |
| Average total loans | $16,618,330 | 6,449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 5,247 |
| Cost of funding earning assets | 0.4840% | 4,246 |
| Net interest margin | 3.1894% | 4,960 |
| Noninterest income to average assets | 0.2194% | 5,908 |
| Noninterest expense to average assets | 2.9337% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2541% | 5,712 |
| Return on assets (ROA) | 0.3696% | 5,395 |
| Pretax return on assets | 0.3696% | 5,647 |
| Return on Equity (ROE) | 3.8249% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.8249% | 3,932 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0290% | 978 |
| Assets per employee ($millions) | 3.1261% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 5,686 |
| Loan loss allowance to noncurrent loans | 55.5205% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 4,068 |
| Noncurrent loans to loans | 1.9457% | 2,681 |
| Net loans and leases to total assets | 46.8665% | 5,345 |
| Net loans and leases to deposits | 52.1385% | 5,602 |
| Net loans and leases to core deposits | 52.7184% | 5,767 |
| Total domestic deposits to total assets | 89.8886% | 1,116 |
| Equity capital to assets | 9.7188% | 4,539 |
| Core capital (leverage) ratio | 9.2390% | 4,499 |
| Tier 1 risk-based capital ratio | 14.4696% | 4,198 |
| Total risk-based capital ratio | 15.2730% | 4,448 |
| Memoranda: | ||
| Average total assets | $34,632,500 | 6,602 |
| Average earning assets | $32,231,500 | 6,577 |
| Average equity | $3,346,500 | 6,653 |
| Average total loans | $16,413,500 | 6,510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 5,636 |
| Cost of funding earning assets | 0.6066% | 4,276 |
| Net interest margin | 3.2736% | 5,345 |
| Noninterest income to average assets | 0.2866% | 5,423 |
| Noninterest expense to average assets | 3.0965% | 2,933 |
| Loan and lease loss provision to assets | -0.0916% | 6,919 |
| Net operating income to assets | 0.2929% | 5,495 |
| Return on assets (ROA) | 0.3280% | 5,586 |
| Pretax return on assets | 0.3309% | 5,765 |
| Return on Equity (ROE) | 3.3778% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.9213% | 4,174 |
| Net charge-offs to loans | -0.1626% | 6,909 |
| Credit loss provision to net charge-offs | 119.2308% | 2,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8227% | 809 |
| Assets per employee ($millions) | 3.1707% | 5,692 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 5,697 |
| Loan loss allowance to noncurrent loans | 17,600.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 6,222 |
| Noncurrent loans to loans | 0.0060% | 6,564 |
| Net loans and leases to total assets | 46.9035% | 5,519 |
| Net loans and leases to deposits | 52.1253% | 5,795 |
| Net loans and leases to core deposits | 52.6962% | 5,963 |
| Total domestic deposits to total assets | 89.9822% | 961 |
| Equity capital to assets | 9.6078% | 4,734 |
| Core capital (leverage) ratio | 8.9814% | 4,925 |
| Tier 1 risk-based capital ratio | 14.0951% | 4,313 |
| Total risk-based capital ratio | 14.8857% | 4,595 |
| Memoranda: | ||
| Average total assets | $33,844,400 | 6,659 |
| Average earning assets | $31,158,200 | 6,635 |
| Average equity | $3,286,200 | 6,726 |
| Average total loans | $15,992,800 | 6,602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 5,748 |
| Cost of funding earning assets | 0.6255% | 4,408 |
| Net interest margin | 3.2912% | 5,425 |
| Noninterest income to average assets | 0.2898% | 5,463 |
| Noninterest expense to average assets | 3.1083% | 2,861 |
| Loan and lease loss provision to assets | -0.1231% | 7,055 |
| Net operating income to assets | 0.3300% | 5,508 |
| Return on assets (ROA) | 0.3771% | 5,547 |
| Pretax return on assets | 0.3811% | 5,761 |
| Return on Equity (ROE) | 3.8734% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.8734% | 4,163 |
| Net charge-offs to loans | -0.2775% | 7,040 |
| Credit loss provision to net charge-offs | 93.9394% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6603% | 798 |
| Assets per employee ($millions) | 3.0411% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 5,519 |
| Loan loss allowance to noncurrent loans | 305.0000% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 6,256 |
| Noncurrent loans to loans | 0.3771% | 5,716 |
| Net loans and leases to total assets | 47.0196% | 5,654 |
| Net loans and leases to deposits | 52.5895% | 5,933 |
| Net loans and leases to core deposits | 53.1924% | 6,103 |
| Total domestic deposits to total assets | 89.4087% | 1,186 |
| Equity capital to assets | 10.0532% | 4,419 |
| Core capital (leverage) ratio | 9.2202% | 4,722 |
| Tier 1 risk-based capital ratio | 14.8567% | 3,944 |
| Total risk-based capital ratio | 15.7234% | 4,173 |
| Memoranda: | ||
| Average total assets | $33,586,000 | 6,745 |
| Average earning assets | $30,910,250 | 6,726 |
| Average equity | $3,270,000 | 6,818 |
| Average total loans | $15,857,250 | 6,690 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 5,897 |
| Cost of funding earning assets | 0.6392% | 4,539 |
| Net interest margin | 3.2670% | 5,543 |
| Noninterest income to average assets | 0.2914% | 5,470 |
| Noninterest expense to average assets | 3.0746% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2200% | 5,857 |
| Return on assets (ROA) | 0.2200% | 6,042 |
| Pretax return on assets | 0.2260% | 6,109 |
| Return on Equity (ROE) | 2.2847% | 5,952 |
| Retained earnings to average equity (ytd only) | 2.2847% | 5,049 |
| Net charge-offs to loans | -0.1136% | 6,879 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1532% | 853 |
| Assets per employee ($millions) | 3.1114% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 5,182 |
| Loan loss allowance to noncurrent loans | 422.2222% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 6,460 |
| Noncurrent loans to loans | 0.2926% | 5,981 |
| Net loans and leases to total assets | 44.3740% | 5,981 |
| Net loans and leases to deposits | 49.3934% | 6,211 |
| Net loans and leases to core deposits | 49.9441% | 6,345 |
| Total domestic deposits to total assets | 89.8378% | 1,020 |
| Equity capital to assets | 9.5982% | 4,917 |
| Core capital (leverage) ratio | 9.0604% | 4,822 |
| Tier 1 risk-based capital ratio | 15.4537% | 3,474 |
| Total risk-based capital ratio | 16.4073% | 3,628 |
| Memoranda: | ||
| Average total assets | $33,630,670 | 6,795 |
| Average earning assets | $30,976,330 | 6,768 |
| Average equity | $3,239,000 | 6,864 |
| Average total loans | $15,839,000 | 6,745 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 5,826 |
| Cost of funding earning assets | 0.6658% | 4,570 |
| Net interest margin | 3.3159% | 5,415 |
| Noninterest income to average assets | 0.3000% | 5,479 |
| Noninterest expense to average assets | 3.1920% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1560% | 6,103 |
| Return on assets (ROA) | 0.1560% | 6,234 |
| Pretax return on assets | 0.1560% | 6,279 |
| Return on Equity (ROE) | 1.6169% | 6,187 |
| Retained earnings to average equity (ytd only) | 1.6169% | 5,431 |
| Net charge-offs to loans | -0.0498% | 6,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3405% | 755 |
| Assets per employee ($millions) | 3.0768% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,616 |
| Loan loss allowance to noncurrent loans | 79.9127% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 5,205 |
| Noncurrent loans to loans | 1.4697% | 3,916 |
| Net loans and leases to total assets | 45.4956% | 5,842 |
| Net loans and leases to deposits | 50.4406% | 6,103 |
| Net loans and leases to core deposits | 51.0070% | 6,274 |
| Total domestic deposits to total assets | 90.1965% | 979 |
| Equity capital to assets | 9.5465% | 4,729 |
| Core capital (leverage) ratio | 9.0928% | 4,695 |
| Tier 1 risk-based capital ratio | 14.8532% | 3,855 |
| Total risk-based capital ratio | 15.7429% | 4,075 |
| Memoranda: | ||
| Average total assets | $33,333,500 | 6,854 |
| Average earning assets | $30,640,500 | 6,825 |
| Average equity | $3,216,000 | 6,919 |
| Average total loans | $16,070,000 | 6,793 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 5,347 |
| Cost of funding earning assets | 0.8400% | 4,546 |
| Net interest margin | 3.5795% | 4,810 |
| Noninterest income to average assets | 0.3501% | 5,003 |
| Noninterest expense to average assets | 3.1700% | 2,967 |
| Loan and lease loss provision to assets | 0.9021% | 1,066 |
| Net operating income to assets | -0.2618% | 6,309 |
| Return on assets (ROA) | -0.2618% | 6,367 |
| Pretax return on assets | -0.4290% | 6,439 |
| Return on Equity (ROE) | -2.6109% | 6,377 |
| Retained earnings to average equity (ytd only) | -2.6109% | 6,227 |
| Net charge-offs to loans | 2.3476% | 525 |
| Credit loss provision to net charge-offs | 73.9018% | 4,704 |
| Earnings coverage of net charge-offs (x) | 0.3876% | 5,528 |
| Efficiency ratio | 87.0130% | 1,437 |
| Assets per employee ($millions) | 2.9838% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,839 |
| Loan loss allowance to noncurrent loans | 84.5794% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 5,353 |
| Noncurrent loans to loans | 1.2923% | 4,215 |
| Net loans and leases to total assets | 49.8995% | 5,596 |
| Net loans and leases to deposits | 55.4998% | 5,932 |
| Net loans and leases to core deposits | 56.1448% | 6,147 |
| Total domestic deposits to total assets | 89.9092% | 1,040 |
| Equity capital to assets | 9.7526% | 4,507 |
| Core capital (leverage) ratio | 9.2137% | 4,444 |
| Tier 1 risk-based capital ratio | 14.1154% | 4,242 |
| Total risk-based capital ratio | 14.9550% | 4,513 |
| Memoranda: | ||
| Average total assets | $31,703,000 | 6,926 |
| Average earning assets | $29,165,800 | 6,895 |
| Average equity | $3,179,000 | 6,973 |
| Average total loans | $16,485,000 | 6,823 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 5,363 |
| Cost of funding earning assets | 0.8721% | 4,623 |
| Net interest margin | 3.5947% | 4,795 |
| Noninterest income to average assets | 0.3522% | 5,039 |
| Noninterest expense to average assets | 3.2586% | 2,638 |
| Loan and lease loss provision to assets | 0.6492% | 1,513 |
| Net operating income to assets | -0.1061% | 6,290 |
| Return on assets (ROA) | -0.1061% | 6,372 |
| Pretax return on assets | -0.2503% | 6,453 |
| Return on Equity (ROE) | -1.0503% | 6,387 |
| Retained earnings to average equity (ytd only) | -1.0503% | 6,164 |
| Net charge-offs to loans | 1.3927% | 1,084 |
| Credit loss provision to net charge-offs | 88.9535% | 3,803 |
| Earnings coverage of net charge-offs (x) | 0.5465% | 5,222 |
| Efficiency ratio | 89.0951% | 1,235 |
| Assets per employee ($millions) | 2.9072% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,918 |
| Loan loss allowance to noncurrent loans | 51.9841% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5760% | 3,728 |
| Noncurrent loans to loans | 2.9598% | 2,351 |
| Net loans and leases to total assets | 52.4282% | 5,395 |
| Net loans and leases to deposits | 60.0975% | 5,616 |
| Net loans and leases to core deposits | 60.8345% | 5,917 |
| Total domestic deposits to total assets | 87.2385% | 2,500 |
| Equity capital to assets | 10.2223% | 4,056 |
| Core capital (leverage) ratio | 9.7500% | 3,772 |
| Tier 1 risk-based capital ratio | 14.5814% | 3,922 |
| Total risk-based capital ratio | 15.8137% | 3,905 |
| Memoranda: | ||
| Average total assets | $31,423,250 | 6,999 |
| Average earning assets | $28,893,500 | 6,968 |
| Average equity | $3,173,500 | 7,031 |
| Average total loans | $16,466,500 | 6,891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 5,826 |
| Cost of funding earning assets | 0.8956% | 4,707 |
| Net interest margin | 3.4643% | 5,307 |
| Noninterest income to average assets | 0.3585% | 5,020 |
| Noninterest expense to average assets | 3.2909% | 2,598 |
| Loan and lease loss provision to assets | 0.9796% | 897 |
| Net operating income to assets | -0.4866% | 6,676 |
| Return on assets (ROA) | -0.4866% | 6,704 |
| Pretax return on assets | -0.7171% | 6,780 |
| Return on Equity (ROE) | -4.8382% | 6,700 |
| Retained earnings to average equity (ytd only) | -4.8382% | 6,547 |
| Net charge-offs to loans | 2.0885% | 630 |
| Credit loss provision to net charge-offs | 90.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | 0.2412% | 5,127 |
| Efficiency ratio | 92.6126% | 1,058 |
| Assets per employee ($millions) | 2.8001% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 3,313 |
| Loan loss allowance to noncurrent loans | 32.2777% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 2,504 |
| Noncurrent loans to loans | 5.2774% | 1,220 |
| Net loans and leases to total assets | 49.6477% | 5,871 |
| Net loans and leases to deposits | 55.5144% | 6,175 |
| Net loans and leases to core deposits | 56.2020% | 6,401 |
| Total domestic deposits to total assets | 89.4322% | 1,275 |
| Equity capital to assets | 10.2204% | 3,858 |
| Core capital (leverage) ratio | 9.5403% | 3,891 |
| Tier 1 risk-based capital ratio | 15.4528% | 3,276 |
| Total risk-based capital ratio | 16.7047% | 3,212 |
| Memoranda: | ||
| Average total assets | $31,238,000 | 7,067 |
| Average earning assets | $28,808,330 | 7,039 |
| Average equity | $3,141,670 | 7,091 |
| Average total loans | $16,279,330 | 6,967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 5,892 |
| Cost of funding earning assets | 0.9227% | 4,763 |
| Net interest margin | 3.4154% | 5,369 |
| Noninterest income to average assets | 0.3306% | 5,255 |
| Noninterest expense to average assets | 3.2553% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3560% | 5,144 |
| Return on assets (ROA) | 0.3560% | 5,221 |
| Pretax return on assets | 0.2289% | 5,874 |
| Return on Equity (ROE) | 3.5686% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.5686% | 4,046 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4307% | 1,071 |
| Assets per employee ($millions) | 2.8445% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 3,219 |
| Loan loss allowance to noncurrent loans | 33.7725% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 2.6687% | 2,570 |
| Noncurrent loans to loans | 5.1470% | 1,303 |
| Net loans and leases to total assets | 50.9476% | 5,718 |
| Net loans and leases to deposits | 56.7598% | 6,056 |
| Net loans and leases to core deposits | 57.9357% | 6,259 |
| Total domestic deposits to total assets | 89.7600% | 1,317 |
| Equity capital to assets | 10.0674% | 3,692 |
| Core capital (leverage) ratio | 9.9523% | 3,197 |
| Tier 1 risk-based capital ratio | 15.9686% | 2,914 |
| Total risk-based capital ratio | 17.2195% | 2,885 |
| Memoranda: | ||
| Average total assets | $31,456,500 | 7,110 |
| Average earning assets | $29,045,000 | 7,079 |
| Average equity | $3,138,500 | 7,131 |
| Average total loans | $16,640,500 | 7,007 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 5,386 |
| Cost of funding earning assets | 1.2402% | 4,283 |
| Net interest margin | 3.5665% | 4,974 |
| Noninterest income to average assets | 0.3562% | 5,265 |
| Noninterest expense to average assets | 3.3444% | 2,596 |
| Loan and lease loss provision to assets | 0.2243% | 5,038 |
| Net operating income to assets | 0.1451% | 5,457 |
| Return on assets (ROA) | 0.1451% | 5,610 |
| Pretax return on assets | 0.0693% | 5,760 |
| Return on Equity (ROE) | 1.3823% | 5,592 |
| Retained earnings to average equity (ytd only) | 0.9110% | 5,092 |
| Net charge-offs to loans | 0.5947% | 3,249 |
| Credit loss provision to net charge-offs | 64.7619% | 5,988 |
| Earnings coverage of net charge-offs (x) | 0.8476% | 5,284 |
| Efficiency ratio | 91.9311% | 1,188 |
| Assets per employee ($millions) | 2.8749% | 6,391 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 3,388 |
| Loan loss allowance to noncurrent loans | 28.8639% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 3.0894% | 2,285 |
| Noncurrent loans to loans | 5.7275% | 1,115 |
| Net loans and leases to total assets | 53.0483% | 5,775 |
| Net loans and leases to deposits | 58.9438% | 6,160 |
| Net loans and leases to core deposits | 59.6480% | 6,421 |
| Total domestic deposits to total assets | 89.9981% | 1,102 |
| Equity capital to assets | 9.8881% | 3,890 |
| Core capital (leverage) ratio | 9.8608% | 3,252 |
| Tier 1 risk-based capital ratio | 14.7712% | 3,385 |
| Total risk-based capital ratio | 15.9671% | 3,378 |
| Memoranda: | ||
| Average total assets | $30,319,200 | 7,194 |
| Average earning assets | $27,898,400 | 7,164 |
| Average equity | $3,183,200 | 7,224 |
| Average total loans | $17,657,400 | 7,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 5,150 |
| Cost of funding earning assets | 1.3134% | 4,135 |
| Net interest margin | 3.6118% | 4,818 |
| Noninterest income to average assets | 0.3512% | 5,362 |
| Noninterest expense to average assets | 3.3607% | 2,399 |
| Loan and lease loss provision to assets | 0.0800% | 6,247 |
| Net operating income to assets | 0.3023% | 5,155 |
| Return on assets (ROA) | 0.3023% | 5,324 |
| Pretax return on assets | 0.2356% | 5,650 |
| Return on Equity (ROE) | 2.8356% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.8356% | 4,438 |
| Net charge-offs to loans | 0.6140% | 2,903 |
| Credit loss provision to net charge-offs | 21.9512% | 6,229 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 5,185 |
| Efficiency ratio | 91.4148% | 1,180 |
| Assets per employee ($millions) | 2.7431% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,254 |
| Loan loss allowance to noncurrent loans | 38.9313% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1707% | 3,248 |
| Noncurrent loans to loans | 3.6999% | 2,104 |
| Net loans and leases to total assets | 57.8246% | 5,286 |
| Net loans and leases to deposits | 65.0948% | 5,777 |
| Net loans and leases to core deposits | 65.0948% | 6,201 |
| Total domestic deposits to total assets | 88.8314% | 1,493 |
| Equity capital to assets | 10.7642% | 3,209 |
| Core capital (leverage) ratio | 10.2508% | 2,987 |
| Tier 1 risk-based capital ratio | 14.9556% | 3,271 |
| Total risk-based capital ratio | 16.1609% | 3,278 |
| Memoranda: | ||
| Average total assets | $29,993,000 | 7,295 |
| Average earning assets | $27,612,500 | 7,259 |
| Average equity | $3,197,250 | 7,311 |
| Average total loans | $17,807,250 | 7,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 4,665 |
| Cost of funding earning assets | 1.3716% | 4,049 |
| Net interest margin | 3.6867% | 4,422 |
| Noninterest income to average assets | 0.3207% | 5,593 |
| Noninterest expense to average assets | 3.3141% | 2,520 |
| Loan and lease loss provision to assets | 0.0802% | 6,134 |
| Net operating income to assets | 0.4009% | 4,751 |
| Return on assets (ROA) | 0.4009% | 4,910 |
| Pretax return on assets | 0.3207% | 5,448 |
| Return on Equity (ROE) | 3.7732% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.7732% | 3,690 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2086% | 1,398 |
| Assets per employee ($millions) | 2.7880% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,550 |
| Loan loss allowance to noncurrent loans | 104.7468% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 5,076 |
| Noncurrent loans to loans | 1.7703% | 4,032 |
| Net loans and leases to total assets | 57.1247% | 5,543 |
| Net loans and leases to deposits | 64.0595% | 6,033 |
| Net loans and leases to core deposits | 64.0595% | 6,395 |
| Total domestic deposits to total assets | 89.1744% | 1,340 |
| Equity capital to assets | 10.4898% | 3,423 |
| Core capital (leverage) ratio | 10.1038% | 3,059 |
| Tier 1 risk-based capital ratio | 15.1254% | 3,093 |
| Total risk-based capital ratio | 16.3814% | 3,046 |
| Memoranda: | ||
| Average total assets | $29,932,670 | 7,347 |
| Average earning assets | $27,558,330 | 7,314 |
| Average equity | $3,180,330 | 7,362 |
| Average total loans | $17,842,000 | 7,183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 4,842 |
| Cost of funding earning assets | 1.4249% | 4,019 |
| Net interest margin | 3.6136% | 4,664 |
| Noninterest income to average assets | 0.2976% | 5,767 |
| Noninterest expense to average assets | 3.3418% | 2,389 |
| Loan and lease loss provision to assets | 0.0812% | 5,829 |
| Net operating income to assets | 0.1894% | 5,722 |
| Return on assets (ROA) | 0.1894% | 5,847 |
| Pretax return on assets | 0.2029% | 5,871 |
| Return on Equity (ROE) | 1.7710% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.7710% | 5,051 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1642% | 1,266 |
| Assets per employee ($millions) | 2.7456% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 2,693 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 7,294 |
| Noncurrent loans to loans | 0.1344% | 7,069 |
| Net loans and leases to total assets | 58.0690% | 5,426 |
| Net loans and leases to deposits | 65.1462% | 5,922 |
| Net loans and leases to core deposits | 65.9621% | 6,284 |
| Total domestic deposits to total assets | 89.1365% | 1,448 |
| Equity capital to assets | 10.4794% | 3,268 |
| Core capital (leverage) ratio | 10.4664% | 2,649 |
| Tier 1 risk-based capital ratio | 15.1848% | 3,020 |
| Total risk-based capital ratio | 16.4396% | 2,978 |
| Memoranda: | ||
| Average total assets | $29,565,000 | 7,454 |
| Average earning assets | $27,230,500 | 7,418 |
| Average equity | $3,162,000 | 7,449 |
| Average total loans | $17,838,000 | 7,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,618 |
| Cost of funding earning assets | 1.7665% | 4,168 |
| Net interest margin | 4.0432% | 2,681 |
| Noninterest income to average assets | 0.3769% | 5,399 |
| Noninterest expense to average assets | 3.5199% | 2,329 |
| Loan and lease loss provision to assets | 0.2974% | 5,053 |
| Net operating income to assets | 0.2351% | 4,781 |
| Return on assets (ROA) | 0.2420% | 4,832 |
| Pretax return on assets | 0.2386% | 4,918 |
| Return on Equity (ROE) | 2.1908% | 4,834 |
| Retained earnings to average equity (ytd only) | 0.8763% | 4,412 |
| Net charge-offs to loans | 0.1006% | 6,130 |
| Credit loss provision to net charge-offs | 477.7778% | 640 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 1,936 |
| Efficiency ratio | 86.9342% | 1,998 |
| Assets per employee ($millions) | 2.6298% | 6,982 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 2,579 |
| Loan loss allowance to noncurrent loans | 1,276.0000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 7,281 |
| Noncurrent loans to loans | 0.1403% | 7,078 |
| Net loans and leases to total assets | 60.4777% | 5,263 |
| Net loans and leases to deposits | 68.1800% | 5,803 |
| Net loans and leases to core deposits | 77.8213% | 6,270 |
| Total domestic deposits to total assets | 88.7030% | 1,626 |
| Equity capital to assets | 10.9202% | 2,761 |
| Core capital (leverage) ratio | 10.6308% | 2,484 |
| Tier 1 risk-based capital ratio | 15.1224% | 2,878 |
| Total risk-based capital ratio | 16.3777% | 2,834 |
| Memoranda: | ||
| Average total assets | $28,921,000 | 7,510 |
| Average earning assets | $26,266,600 | 7,496 |
| Average equity | $3,195,200 | 7,535 |
| Average total loans | $17,890,200 | 7,319 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9316% | 2,311 |
| Cost of funding earning assets | 1.8409% | 4,195 |
| Net interest margin | 4.0908% | 2,441 |
| Noninterest income to average assets | 0.3919% | 5,366 |
| Noninterest expense to average assets | 3.5039% | 2,275 |
| Loan and lease loss provision to assets | 0.2490% | 4,963 |
| Net operating income to assets | 0.3228% | 4,707 |
| Return on assets (ROA) | 0.3320% | 4,774 |
| Pretax return on assets | 0.3366% | 4,963 |
| Return on Equity (ROE) | 2.9960% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.9960% | 3,652 |
| Net charge-offs to loans | 0.1563% | 5,145 |
| Credit loss provision to net charge-offs | 257.1429% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.9521% | 2,699 |
| Efficiency ratio | 85.8757% | 2,076 |
| Assets per employee ($millions) | 2.5479% | 7,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.0606% | 5,053 |
| Net loans and leases to deposits | 71.8017% | 5,680 |
| Net loans and leases to core deposits | 81.4808% | 6,234 |
| Total domestic deposits to total assets | 87.8260% | 1,737 |
| Equity capital to assets | 11.5531% | 2,545 |
| Core capital (leverage) ratio | 11.0319% | 2,385 |
| Tier 1 risk-based capital ratio | 14.6135% | 3,216 |
| Total risk-based capital ratio | 15.8049% | 3,196 |
| Memoranda: | ||
| Average total assets | $28,919,250 | 7,578 |
| Average earning assets | $26,074,250 | 7,571 |
| Average equity | $3,204,250 | 7,596 |
| Average total loans | $17,909,250 | 7,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0226% | 2,091 |
| Cost of funding earning assets | 1.9027% | 4,249 |
| Net interest margin | 4.1199% | 2,253 |
| Noninterest income to average assets | 0.3970% | 5,318 |
| Noninterest expense to average assets | 3.4775% | 2,410 |
| Loan and lease loss provision to assets | 0.0821% | 6,361 |
| Net operating income to assets | 0.4734% | 4,205 |
| Return on assets (ROA) | 0.4860% | 4,258 |
| Pretax return on assets | 0.5271% | 4,532 |
| Return on Equity (ROE) | 4.4472% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.4472% | 2,819 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3782% | 2,309 |
| Assets per employee ($millions) | 2.5885% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 3,408 |
| Loan loss allowance to noncurrent loans | 105.2000% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 5,234 |
| Noncurrent loans to loans | 1.3894% | 4,432 |
| Net loans and leases to total assets | 62.2695% | 5,314 |
| Net loans and leases to deposits | 70.6121% | 5,921 |
| Net loans and leases to core deposits | 80.3389% | 6,378 |
| Total domestic deposits to total assets | 88.1853% | 1,680 |
| Equity capital to assets | 11.2844% | 2,690 |
| Core capital (leverage) ratio | 10.6998% | 2,667 |
| Tier 1 risk-based capital ratio | 14.0498% | 3,488 |
| Total risk-based capital ratio | 15.2269% | 3,469 |
| Memoranda: | ||
| Average total assets | $29,216,670 | 7,637 |
| Average earning assets | $26,068,670 | 7,638 |
| Average equity | $3,193,000 | 7,665 |
| Average total loans | $17,893,000 | 7,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9541% | 2,545 |
| Cost of funding earning assets | 1.9694% | 4,289 |
| Net interest margin | 3.9847% | 2,710 |
| Noninterest income to average assets | 0.4461% | 4,818 |
| Noninterest expense to average assets | 3.4743% | 2,160 |
| Loan and lease loss provision to assets | 0.0811% | 5,928 |
| Net operating income to assets | 0.4191% | 4,782 |
| Return on assets (ROA) | 0.4191% | 4,956 |
| Pretax return on assets | 0.4191% | 5,340 |
| Return on Equity (ROE) | 3.8957% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.8957% | 3,724 |
| Net charge-offs to loans | 0.5156% | 2,172 |
| Credit loss provision to net charge-offs | 26.0870% | 4,995 |
| Earnings coverage of net charge-offs (x) | 1.6087% | 3,922 |
| Efficiency ratio | 87.4150% | 1,944 |
| Assets per employee ($millions) | 2.6965% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 3,984 |
| Loan loss allowance to noncurrent loans | 62.4000% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 4,149 |
| Noncurrent loans to loans | 2.1096% | 3,102 |
| Net loans and leases to total assets | 59.1416% | 5,790 |
| Net loans and leases to deposits | 66.6515% | 6,317 |
| Net loans and leases to core deposits | 75.3037% | 6,727 |
| Total domestic deposits to total assets | 88.7327% | 1,365 |
| Equity capital to assets | 10.7414% | 3,245 |
| Core capital (leverage) ratio | 10.3383% | 3,079 |
| Tier 1 risk-based capital ratio | 14.3267% | 3,413 |
| Total risk-based capital ratio | 15.4084% | 3,425 |
| Memoranda: | ||
| Average total assets | $29,588,500 | 7,664 |
| Average earning assets | $26,200,500 | 7,677 |
| Average equity | $3,183,000 | 7,723 |
| Average total loans | $17,843,000 | 7,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4240% | 3,299 |
| Cost of funding earning assets | 2.3903% | 4,761 |
| Net interest margin | 4.0337% | 2,963 |
| Noninterest income to average assets | 0.3454% | 5,974 |
| Noninterest expense to average assets | 3.4163% | 2,624 |
| Loan and lease loss provision to assets | 0.1334% | 5,658 |
| Net operating income to assets | 0.4343% | 5,017 |
| Return on assets (ROA) | 0.4343% | 4,839 |
| Pretax return on assets | 0.4890% | 5,005 |
| Return on Equity (ROE) | 4.0341% | 4,811 |
| Retained earnings to average equity (ytd only) | 1.7788% | 4,134 |
| Net charge-offs to loans | 0.0166% | 6,640 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 660 |
| Efficiency ratio | 84.5893% | 2,002 |
| Assets per employee ($millions) | 2.4597% | 7,278 |
| Cash dividends to net income (ytd only)* | 55.9055% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,189 |
| Loan loss allowance to noncurrent loans | 1,091.3043% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,085 |
| Noncurrent loans to loans | 0.1284% | 7,029 |
| Net loans and leases to total assets | 59.8286% | 5,936 |
| Net loans and leases to deposits | 67.5193% | 6,503 |
| Net loans and leases to core deposits | 76.7049% | 6,819 |
| Total domestic deposits to total assets | 88.6096% | 1,197 |
| Equity capital to assets | 10.7738% | 3,231 |
| Core capital (leverage) ratio | 10.2660% | 3,199 |
| Tier 1 risk-based capital ratio | 14.7514% | 3,171 |
| Total risk-based capital ratio | 15.9583% | 3,119 |
| Memoranda: | ||
| Average total assets | $29,242,400 | 7,676 |
| Average earning assets | $26,774,400 | 7,668 |
| Average equity | $3,148,200 | 7,790 |
| Average total loans | $18,042,800 | 7,456 |