Home > Bank of Palmer > Performance and Condition Ratios
Bank of Palmer, Performance and Condition Ratios
| 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 | 3.0665% | 3,873 |
| Cost of funding earning assets | 0.5790% | 708 |
| Net interest margin | 2.4875% | 4,300 |
| Noninterest income to average assets | 0.1938% | 4,234 |
| Noninterest expense to average assets | 2.0774% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4624% | 4,272 |
| Return on assets (ROA) | 0.9844% | 3,049 |
| Pretax return on assets | 1.1007% | 3,192 |
| Return on Equity (ROE) | 8.9191% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.5781% | 2,586 |
| Net charge-offs to loans | -0.1630% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1595% | 733 |
| Assets per employee ($millions) | 6.4596% | 2,291 |
| Cash dividends to net income (ytd only)* | 26.2467% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 43.0985% | 4,015 |
| Net loans and leases to deposits | 48.8775% | 4,077 |
| Net loans and leases to core deposits | 48.8775% | 4,196 |
| Total domestic deposits to total assets | 88.1766% | 1,732 |
| Equity capital to assets | 11.0804% | 1,956 |
| Core capital (leverage) ratio | 10.2551% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,601,750 | 4,609 |
| Average earning assets | $49,741,250 | 4,571 |
| Average equity | $5,695,500 | 4,628 |
| Average total loans | $22,085,000 | 4,595 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0914% | 3,888 |
| Cost of funding earning assets | 0.5771% | 829 |
| Net interest margin | 2.5143% | 4,285 |
| Noninterest income to average assets | 0.2482% | 3,915 |
| Noninterest expense to average assets | 2.0978% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5016% | 4,214 |
| Return on assets (ROA) | 1.1090% | 2,576 |
| Pretax return on assets | 1.2486% | 2,773 |
| Return on Equity (ROE) | 10.0610% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.5432% | 2,605 |
| Net charge-offs to loans | -0.2558% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7482% | 864 |
| Assets per employee ($millions) | 6.4844% | 2,177 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 943 |
| 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 | 40.7595% | 4,254 |
| Net loans and leases to deposits | 46.1075% | 4,305 |
| Net loans and leases to core deposits | 46.1075% | 4,393 |
| Total domestic deposits to total assets | 88.4010% | 1,619 |
| Equity capital to assets | 11.0072% | 1,961 |
| Core capital (leverage) ratio | 9.8881% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,576,667 | 4,639 |
| Average earning assets | $49,556,333 | 4,607 |
| Average equity | $5,685,333 | 4,655 |
| Average total loans | $21,896,333 | 4,632 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0956% | 3,892 |
| Cost of funding earning assets | 0.5694% | 1,010 |
| Net interest margin | 2.5262% | 4,262 |
| Noninterest income to average assets | 0.0778% | 4,771 |
| Noninterest expense to average assets | 2.1623% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3500% | 4,449 |
| Return on assets (ROA) | 0.3500% | 4,479 |
| Pretax return on assets | 0.3656% | 4,534 |
| Return on Equity (ROE) | 3.1729% | 4,442 |
| Retained earnings to average equity (ytd only) | -3.8780% | 4,645 |
| Net charge-offs to loans | 0.0362% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,190 |
| Efficiency ratio | 85.5385% | 528 |
| Assets per employee ($millions) | 6.7206% | 1,981 |
| Cash dividends to net income (ytd only)* | 222.2222% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,056 |
| 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 | 37.7402% | 4,430 |
| Net loans and leases to deposits | 42.2122% | 4,491 |
| Net loans and leases to core deposits | 42.2122% | 4,559 |
| Total domestic deposits to total assets | 89.4057% | 1,120 |
| Equity capital to assets | 10.2446% | 2,486 |
| Core capital (leverage) ratio | 9.6487% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,427,500 | 4,660 |
| Average earning assets | $49,877,500 | 4,620 |
| Average equity | $5,673,000 | 4,675 |
| Average total loans | $22,082,500 | 4,654 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 3,563 |
| Cost of funding earning assets | 0.6680% | 1,888 |
| Net interest margin | 3.0377% | 3,796 |
| Noninterest income to average assets | 0.0846% | 4,784 |
| Noninterest expense to average assets | 2.2564% | 3,519 |
| Loan and lease loss provision to assets | -0.1057% | 4,957 |
| Net operating income to assets | 0.7790% | 3,171 |
| Return on assets (ROA) | 0.8247% | 3,119 |
| Pretax return on assets | 0.9178% | 3,319 |
| Return on Equity (ROE) | 7.2257% | 3,105 |
| Retained earnings to average equity (ytd only) | 4.4466% | 2,568 |
| Net charge-offs to loans | -0.2200% | 4,904 |
| Credit loss provision to net charge-offs | 96.1538% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7722% | 1,359 |
| Assets per employee ($millions) | 6.1363% | 2,224 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,595 |
| Loan loss allowance to noncurrent loans | 35,200.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,472 |
| Noncurrent loans to loans | 0.0043% | 4,386 |
| Net loans and leases to total assets | 47.2031% | 4,035 |
| Net loans and leases to deposits | 53.7409% | 4,125 |
| Net loans and leases to core deposits | 53.7409% | 4,268 |
| Total domestic deposits to total assets | 87.8346% | 1,559 |
| Equity capital to assets | 11.8924% | 1,625 |
| Core capital (leverage) ratio | 10.2139% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,288,600 | 4,687 |
| Average earning assets | $45,658,800 | 4,656 |
| Average equity | $5,397,400 | 4,704 |
| Average total loans | $23,635,600 | 4,650 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 3,733 |
| Cost of funding earning assets | 0.6903% | 2,086 |
| Net interest margin | 3.0387% | 3,887 |
| Noninterest income to average assets | 0.0939% | 4,777 |
| Noninterest expense to average assets | 2.2317% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7232% | 3,379 |
| Return on assets (ROA) | 0.7828% | 3,272 |
| Pretax return on assets | 0.8597% | 3,494 |
| Return on Equity (ROE) | 6.9347% | 3,225 |
| Retained earnings to average equity (ytd only) | 3.1522% | 3,452 |
| Net charge-offs to loans | -0.1296% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7535% | 1,431 |
| Assets per employee ($millions) | 6.0375% | 2,233 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 49.5093% | 4,117 |
| Net loans and leases to deposits | 56.6592% | 4,226 |
| Net loans and leases to core deposits | 56.6592% | 4,354 |
| Total domestic deposits to total assets | 87.3810% | 1,508 |
| Equity capital to assets | 11.8033% | 1,798 |
| Core capital (leverage) ratio | 10.3530% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,838,250 | 4,713 |
| Average earning assets | $45,193,750 | 4,683 |
| Average equity | $5,287,250 | 4,745 |
| Average total loans | $23,663,500 | 4,679 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,025 |
| Cost of funding earning assets | 0.7208% | 2,288 |
| Net interest margin | 3.0084% | 4,109 |
| Noninterest income to average assets | 0.1079% | 4,752 |
| Noninterest expense to average assets | 2.2610% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6731% | 3,493 |
| Return on assets (ROA) | 0.7508% | 3,326 |
| Pretax return on assets | 0.8328% | 3,500 |
| Return on Equity (ROE) | 6.7582% | 3,224 |
| Retained earnings to average equity (ytd only) | 3.8452% | 2,987 |
| Net charge-offs to loans | -0.1961% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1793% | 1,349 |
| Assets per employee ($millions) | 6.0251% | 2,163 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 48.2376% | 4,245 |
| Net loans and leases to deposits | 54.9513% | 4,338 |
| Net loans and leases to core deposits | 54.9513% | 4,465 |
| Total domestic deposits to total assets | 87.7824% | 1,291 |
| Equity capital to assets | 11.5952% | 1,915 |
| Core capital (leverage) ratio | 10.4490% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,351,000 | 4,743 |
| Average earning assets | $44,675,000 | 4,707 |
| Average equity | $5,149,333 | 4,782 |
| Average total loans | $23,456,000 | 4,703 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,826 |
| Cost of funding earning assets | 0.7607% | 2,604 |
| Net interest margin | 3.2261% | 3,792 |
| Noninterest income to average assets | 0.1145% | 4,773 |
| Noninterest expense to average assets | 2.3247% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7714% | 3,018 |
| Return on assets (ROA) | 0.9246% | 2,546 |
| Pretax return on assets | 1.0655% | 2,621 |
| Return on Equity (ROE) | 8.5201% | 2,306 |
| Retained earnings to average equity (ytd only) | 2.4343% | 3,296 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3288% | 2,035 |
| Assets per employee ($millions) | 5.7608% | 1,883 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,005 |
| Loan loss allowance to noncurrent loans | 4,375.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,548 |
| Noncurrent loans to loans | 0.0371% | 4,409 |
| Net loans and leases to total assets | 45.9793% | 4,425 |
| Net loans and leases to deposits | 51.4258% | 4,545 |
| Net loans and leases to core deposits | 51.4258% | 4,644 |
| Total domestic deposits to total assets | 89.4089% | 505 |
| Equity capital to assets | 10.2873% | 3,528 |
| Core capital (leverage) ratio | 10.5391% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,426,000 | 4,779 |
| Average earning assets | $43,644,500 | 4,748 |
| Average equity | $4,929,500 | 4,846 |
| Average total loans | $23,372,000 | 4,736 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,967 |
| Cost of funding earning assets | 0.7656% | 2,846 |
| Net interest margin | 3.3665% | 3,836 |
| Noninterest income to average assets | 0.1139% | 4,889 |
| Noninterest expense to average assets | 2.4786% | 3,507 |
| Loan and lease loss provision to assets | 0.0223% | 3,578 |
| Net operating income to assets | 0.7726% | 3,637 |
| Return on assets (ROA) | 0.8932% | 3,318 |
| Pretax return on assets | 0.9870% | 3,494 |
| Return on Equity (ROE) | 8.2393% | 3,065 |
| Retained earnings to average equity (ytd only) | 5.1495% | 2,339 |
| Net charge-offs to loans | -0.0412% | 4,786 |
| Credit loss provision to net charge-offs | -100.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9015% | 1,615 |
| Assets per employee ($millions) | 5.5958% | 1,978 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,564 |
| Loan loss allowance to noncurrent loans | 32.4074% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.4125% | 279 |
| Noncurrent loans to loans | 4.2850% | 145 |
| Net loans and leases to total assets | 55.5198% | 3,956 |
| Net loans and leases to deposits | 62.8436% | 4,149 |
| Net loans and leases to core deposits | 62.8436% | 4,327 |
| Total domestic deposits to total assets | 88.3461% | 966 |
| Equity capital to assets | 11.4328% | 2,586 |
| Core capital (leverage) ratio | 10.7060% | 2,755 |
| Tier 1 risk-based capital ratio | 17.5478% | 1,877 |
| Total risk-based capital ratio | 18.7948% | 1,831 |
| Memoranda: | ||
| Average total assets | $44,782,800 | 4,835 |
| Average earning assets | $43,101,000 | 4,797 |
| Average equity | $4,854,800 | 4,902 |
| Average total loans | $24,292,600 | 4,774 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 4,142 |
| Cost of funding earning assets | 0.7709% | 2,864 |
| Net interest margin | 3.3342% | 4,030 |
| Noninterest income to average assets | 0.1131% | 4,944 |
| Noninterest expense to average assets | 2.3220% | 3,893 |
| Loan and lease loss provision to assets | 0.0268% | 3,362 |
| Net operating income to assets | 0.8782% | 3,421 |
| Return on assets (ROA) | 1.0390% | 2,910 |
| Pretax return on assets | 1.1491% | 3,136 |
| Return on Equity (ROE) | 9.7164% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.5404% | 2,604 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9552% | 2,122 |
| Assets per employee ($millions) | 5.6569% | 1,883 |
| Cash dividends to net income (ytd only)* | 42.9812% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,606 |
| Loan loss allowance to noncurrent loans | 58.2474% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 948 |
| Noncurrent loans to loans | 2.3922% | 505 |
| Net loans and leases to total assets | 53.0107% | 4,255 |
| Net loans and leases to deposits | 60.2385% | 4,372 |
| Net loans and leases to core deposits | 60.2385% | 4,529 |
| Total domestic deposits to total assets | 88.0013% | 1,034 |
| Equity capital to assets | 11.1877% | 2,945 |
| Core capital (leverage) ratio | 10.8355% | 2,802 |
| Tier 1 risk-based capital ratio | 17.6406% | 1,911 |
| Total risk-based capital ratio | 18.8818% | 1,877 |
| Memoranda: | ||
| Average total assets | $44,787,000 | 4,901 |
| Average earning assets | $43,068,000 | 4,867 |
| Average equity | $4,789,000 | 4,974 |
| Average total loans | $24,064,750 | 4,851 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 4,192 |
| Cost of funding earning assets | 0.7692% | 2,810 |
| Net interest margin | 3.3192% | 4,097 |
| Noninterest income to average assets | 0.1165% | 4,978 |
| Noninterest expense to average assets | 2.3213% | 3,952 |
| Loan and lease loss provision to assets | 0.0269% | 3,285 |
| Net operating income to assets | 0.8752% | 3,382 |
| Return on assets (ROA) | 1.1158% | 2,535 |
| Pretax return on assets | 1.2234% | 2,830 |
| Return on Equity (ROE) | 10.6010% | 2,138 |
| Retained earnings to average equity (ytd only) | 7.4079% | 1,644 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1897% | 2,198 |
| Assets per employee ($millions) | 5.5513% | 1,920 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,544 |
| Loan loss allowance to noncurrent loans | 46.9274% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 669 |
| Noncurrent loans to loans | 3.0166% | 334 |
| Net loans and leases to total assets | 52.6886% | 4,312 |
| Net loans and leases to deposits | 59.7401% | 4,440 |
| Net loans and leases to core deposits | 59.7401% | 4,581 |
| Total domestic deposits to total assets | 88.1964% | 1,010 |
| Equity capital to assets | 11.2002% | 2,856 |
| Core capital (leverage) ratio | 10.5967% | 2,987 |
| Tier 1 risk-based capital ratio | 18.0663% | 1,791 |
| Total risk-based capital ratio | 19.3178% | 1,744 |
| Memoranda: | ||
| Average total assets | $44,631,000 | 4,946 |
| Average earning assets | $42,901,670 | 4,911 |
| Average equity | $4,697,670 | 5,020 |
| Average total loans | $23,976,670 | 4,887 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 4,195 |
| Cost of funding earning assets | 0.7554% | 2,767 |
| Net interest margin | 3.3202% | 4,114 |
| Noninterest income to average assets | 0.1162% | 5,024 |
| Noninterest expense to average assets | 2.3513% | 3,894 |
| Loan and lease loss provision to assets | 0.0268% | 3,071 |
| Net operating income to assets | 0.8594% | 3,406 |
| Return on assets (ROA) | 1.3500% | 1,566 |
| Pretax return on assets | 1.4483% | 1,931 |
| Return on Equity (ROE) | 13.2471% | 1,146 |
| Retained earnings to average equity (ytd only) | 6.6674% | 2,168 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2737% | 2,150 |
| Assets per employee ($millions) | 5.7015% | 1,791 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,546 |
| Loan loss allowance to noncurrent loans | 68.9441% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 1,308 |
| Noncurrent loans to loans | 2.0834% | 705 |
| Net loans and leases to total assets | 50.0965% | 4,465 |
| Net loans and leases to deposits | 56.0090% | 4,599 |
| Net loans and leases to core deposits | 56.0090% | 4,718 |
| Total domestic deposits to total assets | 89.4436% | 670 |
| Equity capital to assets | 10.2341% | 3,589 |
| Core capital (leverage) ratio | 10.2746% | 3,303 |
| Tier 1 risk-based capital ratio | 17.7794% | 1,860 |
| Total risk-based capital ratio | 19.0290% | 1,819 |
| Memoranda: | ||
| Average total assets | $44,741,500 | 4,998 |
| Average earning assets | $42,889,000 | 4,961 |
| Average equity | $4,559,500 | 5,079 |
| Average total loans | $24,097,500 | 4,937 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 4,349 |
| Cost of funding earning assets | 0.6475% | 2,410 |
| Net interest margin | 3.2187% | 4,447 |
| Noninterest income to average assets | 0.1125% | 5,110 |
| Noninterest expense to average assets | 2.3713% | 3,956 |
| Loan and lease loss provision to assets | 0.0270% | 3,636 |
| Net operating income to assets | 0.7242% | 4,057 |
| Return on assets (ROA) | 0.6614% | 4,261 |
| Pretax return on assets | 0.7312% | 4,339 |
| Return on Equity (ROE) | 6.8229% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.5022% | 3,051 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1210% | 1,612 |
| Assets per employee ($millions) | 5.4839% | 1,968 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,953 |
| Loan loss allowance to noncurrent loans | 478.2609% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,039 |
| Noncurrent loans to loans | 0.2759% | 3,582 |
| Net loans and leases to total assets | 56.2604% | 4,116 |
| Net loans and leases to deposits | 62.6733% | 4,332 |
| Net loans and leases to core deposits | 62.6733% | 4,509 |
| Total domestic deposits to total assets | 89.7677% | 551 |
| Equity capital to assets | 10.1457% | 3,528 |
| Core capital (leverage) ratio | 10.4429% | 3,090 |
| Tier 1 risk-based capital ratio | 16.8245% | 2,126 |
| Total risk-based capital ratio | 18.0265% | 2,091 |
| Memoranda: | ||
| Average total assets | $44,449,000 | 5,040 |
| Average earning assets | $42,625,800 | 5,000 |
| Average equity | $4,309,000 | 5,137 |
| Average total loans | $24,662,200 | 4,950 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 4,455 |
| Cost of funding earning assets | 0.6187% | 2,351 |
| Net interest margin | 3.1740% | 4,564 |
| Noninterest income to average assets | 0.1106% | 5,171 |
| Noninterest expense to average assets | 2.2424% | 4,229 |
| Loan and lease loss provision to assets | 0.0269% | 3,472 |
| Net operating income to assets | 0.7967% | 3,914 |
| Return on assets (ROA) | 0.7833% | 3,973 |
| Pretax return on assets | 0.8790% | 4,091 |
| Return on Equity (ROE) | 8.1741% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.0542% | 3,206 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8885% | 2,058 |
| Assets per employee ($millions) | 5.3570% | 2,072 |
| Cash dividends to net income (ytd only)* | 38.1684% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,102 |
| Loan loss allowance to noncurrent loans | 223.9726% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 3,309 |
| Noncurrent loans to loans | 0.5795% | 2,642 |
| Net loans and leases to total assets | 58.0292% | 4,038 |
| Net loans and leases to deposits | 64.9898% | 4,275 |
| Net loans and leases to core deposits | 64.9898% | 4,458 |
| Total domestic deposits to total assets | 89.2897% | 733 |
| Equity capital to assets | 10.0103% | 3,637 |
| Core capital (leverage) ratio | 10.2947% | 3,296 |
| Tier 1 risk-based capital ratio | 16.6425% | 2,224 |
| Total risk-based capital ratio | 17.8289% | 2,191 |
| Memoranda: | ||
| Average total assets | $44,593,500 | 5,101 |
| Average earning assets | $42,888,500 | 5,050 |
| Average equity | $4,273,500 | 5,209 |
| Average total loans | $24,574,750 | 5,011 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 4,605 |
| Cost of funding earning assets | 0.5712% | 2,426 |
| Net interest margin | 3.1188% | 4,693 |
| Noninterest income to average assets | 0.1151% | 5,210 |
| Noninterest expense to average assets | 2.2447% | 4,271 |
| Loan and lease loss provision to assets | 0.0266% | 3,384 |
| Net operating income to assets | 0.7575% | 4,006 |
| Return on assets (ROA) | 0.7615% | 3,993 |
| Pretax return on assets | 0.8456% | 4,122 |
| Return on Equity (ROE) | 8.0600% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.7170% | 2,716 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1195% | 1,986 |
| Assets per employee ($millions) | 5.7544% | 1,677 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,179 |
| Loan loss allowance to noncurrent loans | 330.6122% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,937 |
| Noncurrent loans to loans | 0.3925% | 3,286 |
| Net loans and leases to total assets | 53.5310% | 4,374 |
| Net loans and leases to deposits | 59.3478% | 4,566 |
| Net loans and leases to core deposits | 59.3478% | 4,732 |
| Total domestic deposits to total assets | 90.1988% | 503 |
| Equity capital to assets | 9.3494% | 4,243 |
| Core capital (leverage) ratio | 9.9130% | 3,672 |
| Tier 1 risk-based capital ratio | 16.3051% | 2,331 |
| Total risk-based capital ratio | 17.4669% | 2,305 |
| Memoranda: | ||
| Average total assets | $45,172,670 | 5,150 |
| Average earning assets | $43,413,670 | 5,101 |
| Average equity | $4,268,000 | 5,265 |
| Average total loans | $24,367,670 | 5,073 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 4,572 |
| Cost of funding earning assets | 0.5586% | 2,328 |
| Net interest margin | 3.1002% | 4,706 |
| Noninterest income to average assets | 0.1073% | 5,301 |
| Noninterest expense to average assets | 2.3155% | 4,157 |
| Loan and lease loss provision to assets | 0.0268% | 3,167 |
| Net operating income to assets | 0.6795% | 4,177 |
| Return on assets (ROA) | 0.6795% | 4,179 |
| Pretax return on assets | 0.7420% | 4,319 |
| Return on Equity (ROE) | 7.1529% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.4471% | 4,192 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0725% | 1,740 |
| Assets per employee ($millions) | 5.7669% | 1,711 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 1,986 |
| Loan loss allowance to noncurrent loans | 92.5072% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 2,069 |
| Noncurrent loans to loans | 1.4704% | 1,205 |
| Net loans and leases to total assets | 50.4563% | 4,528 |
| Net loans and leases to deposits | 55.7998% | 4,705 |
| Net loans and leases to core deposits | 56.4726% | 4,825 |
| Total domestic deposits to total assets | 90.4238% | 494 |
| Equity capital to assets | 9.0972% | 4,459 |
| Core capital (leverage) ratio | 9.7449% | 3,807 |
| Tier 1 risk-based capital ratio | 16.7255% | 2,202 |
| Total risk-based capital ratio | 17.9318% | 2,164 |
| Memoranda: | ||
| Average total assets | $44,741,500 | 5,212 |
| Average earning assets | $42,965,500 | 5,165 |
| Average equity | $4,250,000 | 5,322 |
| Average total loans | $24,068,000 | 5,141 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,385 |
| Cost of funding earning assets | 0.5881% | 1,685 |
| Net interest margin | 3.0916% | 4,707 |
| Noninterest income to average assets | 0.1268% | 5,311 |
| Noninterest expense to average assets | 2.1435% | 4,669 |
| Loan and lease loss provision to assets | 0.2043% | 1,008 |
| Net operating income to assets | 0.7380% | 3,436 |
| Return on assets (ROA) | 0.7748% | 3,317 |
| Pretax return on assets | 0.7912% | 4,271 |
| Return on Equity (ROE) | 7.8411% | 2,868 |
| Retained earnings to average equity (ytd only) | 5.4650% | 1,834 |
| Net charge-offs to loans | 0.8273% | 237 |
| Credit loss provision to net charge-offs | 43.9394% | 3,403 |
| Earnings coverage of net charge-offs (x) | 2.0606% | 3,805 |
| Efficiency ratio | 69.1143% | 2,678 |
| Assets per employee ($millions) | 5.4185% | 2,026 |
| Cash dividends to net income (ytd only)* | 30.3030% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,235 |
| Loan loss allowance to noncurrent loans | 242.7481% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,676 |
| Noncurrent loans to loans | 0.5339% | 2,901 |
| Net loans and leases to total assets | 55.8711% | 4,201 |
| Net loans and leases to deposits | 62.2468% | 4,425 |
| Net loans and leases to core deposits | 63.0523% | 4,596 |
| Total domestic deposits to total assets | 89.7573% | 652 |
| Equity capital to assets | 9.9266% | 3,781 |
| Core capital (leverage) ratio | 10.1083% | 3,307 |
| Tier 1 risk-based capital ratio | 16.5433% | 2,252 |
| Total risk-based capital ratio | 17.7322% | 2,210 |
| Memoranda: | ||
| Average total assets | $42,593,200 | 5,298 |
| Average earning assets | $40,981,600 | 5,255 |
| Average equity | $4,208,600 | 5,391 |
| Average total loans | $23,933,000 | 5,192 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,450 |
| Cost of funding earning assets | 0.5900% | 1,604 |
| Net interest margin | 3.0574% | 4,801 |
| Noninterest income to average assets | 0.1289% | 5,361 |
| Noninterest expense to average assets | 2.3645% | 4,107 |
| Loan and lease loss provision to assets | 0.0283% | 3,566 |
| Net operating income to assets | 0.6147% | 4,335 |
| Return on assets (ROA) | 0.6571% | 4,221 |
| Pretax return on assets | 0.7326% | 4,528 |
| Return on Equity (ROE) | 6.6585% | 3,839 |
| Retained earnings to average equity (ytd only) | 3.4726% | 3,856 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8131% | 1,483 |
| Assets per employee ($millions) | 5.3571% | 2,057 |
| Cash dividends to net income (ytd only)* | 47.8468% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 907 |
| Loan loss allowance to noncurrent loans | 118.0593% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 1,985 |
| Noncurrent loans to loans | 1.4977% | 1,247 |
| Net loans and leases to total assets | 56.7795% | 4,174 |
| Net loans and leases to deposits | 63.9863% | 4,378 |
| Net loans and leases to core deposits | 64.8284% | 4,562 |
| Total domestic deposits to total assets | 88.7370% | 998 |
| Equity capital to assets | 10.1267% | 3,768 |
| Core capital (leverage) ratio | 9.9029% | 3,692 |
| Tier 1 risk-based capital ratio | 16.1920% | 2,420 |
| Total risk-based capital ratio | 17.4486% | 2,370 |
| Memoranda: | ||
| Average total assets | $42,404,500 | 5,356 |
| Average earning assets | $40,906,000 | 5,312 |
| Average equity | $4,185,000 | 5,457 |
| Average total loans | $23,782,000 | 5,252 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 4,536 |
| Cost of funding earning assets | 0.5928% | 1,495 |
| Net interest margin | 2.9982% | 4,919 |
| Noninterest income to average assets | 0.1325% | 5,387 |
| Noninterest expense to average assets | 2.3856% | 4,089 |
| Loan and lease loss provision to assets | 0.0284% | 3,431 |
| Net operating income to assets | 0.5635% | 4,453 |
| Return on assets (ROA) | 0.6201% | 4,262 |
| Pretax return on assets | 0.6769% | 4,610 |
| Return on Equity (ROE) | 6.3387% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.9194% | 3,362 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7500% | 1,359 |
| Assets per employee ($millions) | 5.2351% | 2,124 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 811 |
| Loan loss allowance to noncurrent loans | 134.2593% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 2,274 |
| Noncurrent loans to loans | 1.3713% | 1,410 |
| Net loans and leases to total assets | 55.3783% | 4,280 |
| Net loans and leases to deposits | 62.3937% | 4,474 |
| Net loans and leases to core deposits | 63.2341% | 4,657 |
| Total domestic deposits to total assets | 88.7562% | 1,077 |
| Equity capital to assets | 10.2839% | 3,586 |
| Core capital (leverage) ratio | 10.0260% | 3,508 |
| Tier 1 risk-based capital ratio | 16.7792% | 2,208 |
| Total risk-based capital ratio | 18.0348% | 2,171 |
| Memoranda: | ||
| Average total assets | $42,253,670 | 5,401 |
| Average earning assets | $40,824,330 | 5,354 |
| Average equity | $4,133,330 | 5,504 |
| Average total loans | $23,452,000 | 5,302 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,228 |
| Cost of funding earning assets | 0.5874% | 1,458 |
| Net interest margin | 3.0743% | 4,725 |
| Noninterest income to average assets | 0.1225% | 5,502 |
| Noninterest expense to average assets | 2.4694% | 3,906 |
| Loan and lease loss provision to assets | 0.0283% | 3,203 |
| Net operating income to assets | 0.5399% | 4,422 |
| Return on assets (ROA) | 0.6786% | 3,834 |
| Pretax return on assets | 0.7352% | 4,329 |
| Return on Equity (ROE) | 7.1173% | 3,355 |
| Retained earnings to average equity (ytd only) | 2.1747% | 4,274 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1223% | 1,368 |
| Assets per employee ($millions) | 5.3675% | 2,011 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 820 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 2,415 |
| Noncurrent loans to loans | 1.4085% | 1,439 |
| Net loans and leases to total assets | 52.5664% | 4,466 |
| Net loans and leases to deposits | 58.7507% | 4,648 |
| Net loans and leases to core deposits | 59.5128% | 4,802 |
| Total domestic deposits to total assets | 89.4737% | 908 |
| Equity capital to assets | 9.5599% | 4,220 |
| Core capital (leverage) ratio | 9.6187% | 3,967 |
| Tier 1 risk-based capital ratio | 16.8948% | 2,215 |
| Total risk-based capital ratio | 18.1525% | 2,174 |
| Memoranda: | ||
| Average total assets | $42,440,000 | 5,459 |
| Average earning assets | $40,855,000 | 5,410 |
| Average equity | $4,046,500 | 5,578 |
| Average total loans | $23,364,000 | 5,358 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 4,449 |
| Cost of funding earning assets | 0.6421% | 1,093 |
| Net interest margin | 2.9820% | 4,998 |
| Noninterest income to average assets | 0.1594% | 5,414 |
| Noninterest expense to average assets | 2.3013% | 4,554 |
| Loan and lease loss provision to assets | 0.0305% | 3,744 |
| Net operating income to assets | 0.6500% | 4,001 |
| Return on assets (ROA) | 0.7546% | 3,631 |
| Pretax return on assets | 0.8132% | 4,152 |
| Return on Equity (ROE) | 7.7226% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.3243% | 2,114 |
| Net charge-offs to loans | 0.1894% | 1,463 |
| Credit loss provision to net charge-offs | 29.5455% | 3,595 |
| Earnings coverage of net charge-offs (x) | 7.0909% | 3,075 |
| Efficiency ratio | 75.8887% | 1,997 |
| Assets per employee ($millions) | 5.2440% | 2,121 |
| Cash dividends to net income (ytd only)* | 31.0559% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 931 |
| Loan loss allowance to noncurrent loans | 129.6073% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 2,381 |
| Noncurrent loans to loans | 1.3952% | 1,465 |
| Net loans and leases to total assets | 55.5277% | 4,306 |
| Net loans and leases to deposits | 61.9400% | 4,551 |
| Net loans and leases to core deposits | 62.7610% | 4,710 |
| Total domestic deposits to total assets | 89.6477% | 798 |
| Equity capital to assets | 9.5347% | 4,233 |
| Core capital (leverage) ratio | 9.5739% | 4,000 |
| Tier 1 risk-based capital ratio | 16.5650% | 2,323 |
| Total risk-based capital ratio | 17.8205% | 2,260 |
| Memoranda: | ||
| Average total assets | $42,671,400 | 5,493 |
| Average earning assets | $41,112,800 | 5,441 |
| Average equity | $4,169,600 | 5,615 |
| Average total loans | $23,230,400 | 5,411 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,649 |
| Cost of funding earning assets | 0.6425% | 1,085 |
| Net interest margin | 2.9220% | 5,150 |
| Noninterest income to average assets | 0.1649% | 5,441 |
| Noninterest expense to average assets | 2.3803% | 4,333 |
| Loan and lease loss provision to assets | 0.0280% | 3,678 |
| Net operating income to assets | 0.5415% | 4,532 |
| Return on assets (ROA) | 0.6627% | 4,148 |
| Pretax return on assets | 0.7001% | 4,607 |
| Return on Equity (ROE) | 6.7424% | 3,700 |
| Retained earnings to average equity (ytd only) | 3.5769% | 3,747 |
| Net charge-offs to loans | 0.2539% | 924 |
| Credit loss provision to net charge-offs | 20.4545% | 3,295 |
| Earnings coverage of net charge-offs (x) | 4.3861% | 3,275 |
| Efficiency ratio | 79.8539% | 1,453 |
| Assets per employee ($millions) | 5.3475% | 2,009 |
| Cash dividends to net income (ytd only)* | 46.9488% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,064 |
| Loan loss allowance to noncurrent loans | 124.6334% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 2,548 |
| Noncurrent loans to loans | 1.4217% | 1,533 |
| Net loans and leases to total assets | 55.0748% | 4,396 |
| Net loans and leases to deposits | 62.1892% | 4,617 |
| Net loans and leases to core deposits | 63.0024% | 4,775 |
| Total domestic deposits to total assets | 88.5601% | 1,123 |
| Equity capital to assets | 10.0561% | 4,082 |
| Core capital (leverage) ratio | 9.7907% | 3,821 |
| Tier 1 risk-based capital ratio | 15.9514% | 2,646 |
| Total risk-based capital ratio | 17.2079% | 2,581 |
| Memoranda: | ||
| Average total assets | $42,851,250 | 5,549 |
| Average earning assets | $41,295,250 | 5,493 |
| Average equity | $4,212,000 | 5,669 |
| Average total loans | $23,107,000 | 5,470 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,567 |
| Cost of funding earning assets | 0.6488% | 1,058 |
| Net interest margin | 2.9582% | 5,157 |
| Noninterest income to average assets | 0.1679% | 5,486 |
| Noninterest expense to average assets | 2.4023% | 4,329 |
| Loan and lease loss provision to assets | 0.0280% | 3,566 |
| Net operating income to assets | 0.5556% | 4,458 |
| Return on assets (ROA) | 0.7090% | 3,897 |
| Pretax return on assets | 0.7510% | 4,447 |
| Return on Equity (ROE) | 7.2692% | 3,385 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,806 |
| Net charge-offs to loans | 0.3857% | 590 |
| Credit loss provision to net charge-offs | 13.6364% | 2,973 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,183 |
| Efficiency ratio | 79.5981% | 1,548 |
| Assets per employee ($millions) | 5.2138% | 2,077 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 1,014 |
| Loan loss allowance to noncurrent loans | 120.9169% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 2,498 |
| Noncurrent loans to loans | 1.5188% | 1,437 |
| Net loans and leases to total assets | 54.0806% | 4,508 |
| Net loans and leases to deposits | 61.1665% | 4,720 |
| Net loans and leases to core deposits | 61.9885% | 4,887 |
| Total domestic deposits to total assets | 88.4152% | 1,218 |
| Equity capital to assets | 10.3357% | 3,812 |
| Core capital (leverage) ratio | 9.7820% | 3,832 |
| Tier 1 risk-based capital ratio | 16.6122% | 2,389 |
| Total risk-based capital ratio | 17.8677% | 2,333 |
| Memoranda: | ||
| Average total assets | $42,875,000 | 5,610 |
| Average earning assets | $41,309,330 | 5,556 |
| Average equity | $4,182,000 | 5,735 |
| Average total loans | $22,814,000 | 5,542 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 4,849 |
| Cost of funding earning assets | 0.6513% | 1,047 |
| Net interest margin | 2.8640% | 5,372 |
| Noninterest income to average assets | 0.2117% | 5,217 |
| Noninterest expense to average assets | 2.3563% | 4,501 |
| Loan and lease loss provision to assets | 0.0276% | 3,301 |
| Net operating income to assets | 0.5464% | 4,441 |
| Return on assets (ROA) | 0.5983% | 4,299 |
| Pretax return on assets | 0.6351% | 4,716 |
| Return on Equity (ROE) | 6.3160% | 3,822 |
| Retained earnings to average equity (ytd only) | 1.4575% | 4,685 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5031% | 1,667 |
| Assets per employee ($millions) | 5.3180% | 2,016 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 771 |
| Loan loss allowance to noncurrent loans | 55.7160% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.9533% | 908 |
| Noncurrent loans to loans | 3.6592% | 357 |
| Net loans and leases to total assets | 52.2917% | 4,605 |
| Net loans and leases to deposits | 58.8172% | 4,793 |
| Net loans and leases to core deposits | 59.5827% | 4,966 |
| Total domestic deposits to total assets | 88.9056% | 1,154 |
| Equity capital to assets | 9.7899% | 4,355 |
| Core capital (leverage) ratio | 9.0398% | 4,802 |
| Tier 1 risk-based capital ratio | 16.2379% | 2,575 |
| Total risk-based capital ratio | 17.4938% | 2,531 |
| Memoranda: | ||
| Average total assets | $43,457,500 | 5,647 |
| Average earning assets | $41,760,500 | 5,596 |
| Average equity | $4,116,500 | 5,791 |
| Average total loans | $22,731,500 | 5,598 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,271 |
| Cost of funding earning assets | 0.7129% | 768 |
| Net interest margin | 3.0183% | 5,094 |
| Noninterest income to average assets | 0.1446% | 5,690 |
| Noninterest expense to average assets | 2.3340% | 4,697 |
| Loan and lease loss provision to assets | 0.0979% | 2,355 |
| Net operating income to assets | 0.5622% | 4,457 |
| Return on assets (ROA) | 0.6482% | 4,145 |
| Pretax return on assets | 0.7205% | 4,471 |
| Return on Equity (ROE) | 7.0523% | 3,484 |
| Retained earnings to average equity (ytd only) | 4.7692% | 2,601 |
| Net charge-offs to loans | -0.0046% | 4,958 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3539% | 2,214 |
| Assets per employee ($millions) | 5.5464% | 1,742 |
| Cash dividends to net income (ytd only)* | 32.3741% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 771 |
| Loan loss allowance to noncurrent loans | 69.8027% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 1,364 |
| Noncurrent loans to loans | 2.8963% | 573 |
| Net loans and leases to total assets | 50.2423% | 4,846 |
| Net loans and leases to deposits | 57.0869% | 4,974 |
| Net loans and leases to core deposits | 57.8063% | 5,111 |
| Total domestic deposits to total assets | 88.0102% | 1,621 |
| Equity capital to assets | 9.1682% | 4,951 |
| Core capital (leverage) ratio | 9.1580% | 4,674 |
| Tier 1 risk-based capital ratio | 16.0118% | 2,681 |
| Total risk-based capital ratio | 17.2669% | 2,623 |
| Memoranda: | ||
| Average total assets | $42,888,400 | 5,707 |
| Average earning assets | $41,381,000 | 5,643 |
| Average equity | $3,942,000 | 5,860 |
| Average total loans | $21,805,600 | 5,652 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7931% | 4,104 |
| Cost of funding earning assets | 0.7301% | 715 |
| Net interest margin | 3.0631% | 5,048 |
| Noninterest income to average assets | 0.1474% | 5,746 |
| Noninterest expense to average assets | 2.3456% | 4,665 |
| Loan and lease loss provision to assets | 0.0282% | 3,674 |
| Net operating income to assets | 0.6114% | 4,329 |
| Return on assets (ROA) | 0.7181% | 3,931 |
| Pretax return on assets | 0.8624% | 4,127 |
| Return on Equity (ROE) | 7.8080% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.7393% | 3,101 |
| Net charge-offs to loans | -0.0062% | 4,861 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4793% | 2,324 |
| Assets per employee ($millions) | 5.2334% | 2,026 |
| Cash dividends to net income (ytd only)* | 39.3017% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,030 |
| Loan loss allowance to noncurrent loans | 88.9583% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 2,075 |
| Noncurrent loans to loans | 2.1590% | 1,034 |
| Net loans and leases to total assets | 52.0840% | 4,752 |
| Net loans and leases to deposits | 60.0154% | 4,856 |
| Net loans and leases to core deposits | 60.8240% | 5,012 |
| Total domestic deposits to total assets | 86.7843% | 2,149 |
| Equity capital to assets | 9.4275% | 4,847 |
| Core capital (leverage) ratio | 9.3732% | 4,478 |
| Tier 1 risk-based capital ratio | 16.3546% | 2,646 |
| Total risk-based capital ratio | 17.6111% | 2,592 |
| Memoranda: | ||
| Average total assets | $42,517,750 | 5,792 |
| Average earning assets | $41,091,000 | 5,719 |
| Average equity | $3,910,500 | 5,946 |
| Average total loans | $21,568,750 | 5,726 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8419% | 3,910 |
| Cost of funding earning assets | 0.7336% | 703 |
| Net interest margin | 3.1083% | 4,951 |
| Noninterest income to average assets | 0.1498% | 5,816 |
| Noninterest expense to average assets | 2.3587% | 4,696 |
| Loan and lease loss provision to assets | 0.0281% | 3,564 |
| Net operating income to assets | 0.6400% | 4,172 |
| Return on assets (ROA) | 0.7628% | 3,677 |
| Pretax return on assets | 0.9266% | 3,858 |
| Return on Equity (ROE) | 8.3626% | 2,867 |
| Retained earnings to average equity (ytd only) | 6.3104% | 2,061 |
| Net charge-offs to loans | -0.0094% | 4,908 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5562% | 2,605 |
| Assets per employee ($millions) | 5.2761% | 1,953 |
| Cash dividends to net income (ytd only)* | 24.5399% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 1,014 |
| Loan loss allowance to noncurrent loans | 113.0667% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 2,767 |
| Noncurrent loans to loans | 1.7528% | 1,463 |
| Net loans and leases to total assets | 49.6813% | 4,964 |
| Net loans and leases to deposits | 57.4316% | 5,031 |
| Net loans and leases to core deposits | 58.2015% | 5,181 |
| Total domestic deposits to total assets | 86.5052% | 2,437 |
| Equity capital to assets | 9.1426% | 5,093 |
| Core capital (leverage) ratio | 9.0111% | 4,954 |
| Tier 1 risk-based capital ratio | 16.7631% | 2,503 |
| Total risk-based capital ratio | 18.0179% | 2,453 |
| Memoranda: | ||
| Average total assets | $42,734,670 | 5,852 |
| Average earning assets | $41,437,330 | 5,778 |
| Average equity | $3,898,330 | 6,009 |
| Average total loans | $21,347,330 | 5,797 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 3,681 |
| Cost of funding earning assets | 0.7307% | 727 |
| Net interest margin | 3.1534% | 4,775 |
| Noninterest income to average assets | 0.1675% | 5,723 |
| Noninterest expense to average assets | 2.3536% | 4,729 |
| Loan and lease loss provision to assets | 0.0279% | 3,323 |
| Net operating income to assets | 0.7084% | 3,755 |
| Return on assets (ROA) | 0.7163% | 3,846 |
| Pretax return on assets | 0.8466% | 4,074 |
| Return on Equity (ROE) | 7.8612% | 3,029 |
| Retained earnings to average equity (ytd only) | 3.7774% | 3,740 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1214% | 2,970 |
| Assets per employee ($millions) | 5.5391% | 1,765 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 1,083 |
| Loan loss allowance to noncurrent loans | 111.4058% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 2,951 |
| Noncurrent loans to loans | 1.7945% | 1,516 |
| Net loans and leases to total assets | 46.4627% | 5,164 |
| Net loans and leases to deposits | 53.4668% | 5,238 |
| Net loans and leases to core deposits | 54.1431% | 5,359 |
| Total domestic deposits to total assets | 86.9000% | 2,426 |
| Equity capital to assets | 8.9793% | 5,319 |
| Core capital (leverage) ratio | 8.7113% | 5,314 |
| Tier 1 risk-based capital ratio | 16.0218% | 2,908 |
| Total risk-based capital ratio | 17.2769% | 2,845 |
| Memoranda: | ||
| Average total assets | $42,997,500 | 5,894 |
| Average earning assets | $41,606,000 | 5,824 |
| Average equity | $3,918,000 | 6,064 |
| Average total loans | $21,324,000 | 5,845 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 3,061 |
| Cost of funding earning assets | 0.9045% | 383 |
| Net interest margin | 3.2605% | 4,715 |
| Noninterest income to average assets | 0.1779% | 5,788 |
| Noninterest expense to average assets | 2.3535% | 4,965 |
| Loan and lease loss provision to assets | 0.2776% | 769 |
| Net operating income to assets | 0.6029% | 4,348 |
| Return on assets (ROA) | 0.5813% | 4,539 |
| Pretax return on assets | 0.7023% | 4,622 |
| Return on Equity (ROE) | 6.6073% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.1241% | 2,511 |
| Net charge-offs to loans | 0.0367% | 4,105 |
| Credit loss provision to net charge-offs | 1,462.5000% | 196 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 887 |
| Efficiency ratio | 70.0565% | 3,521 |
| Assets per employee ($millions) | 5.2103% | 2,063 |
| Cash dividends to net income (ytd only)* | 22.4490% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 1,252 |
| Loan loss allowance to noncurrent loans | 86.3354% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.1588% | 2,445 |
| Noncurrent loans to loans | 2.2321% | 1,183 |
| Net loans and leases to total assets | 50.9141% | 4,879 |
| Net loans and leases to deposits | 59.7382% | 4,924 |
| Net loans and leases to core deposits | 60.5564% | 5,094 |
| Total domestic deposits to total assets | 85.2286% | 3,196 |
| Equity capital to assets | 9.2534% | 5,002 |
| Core capital (leverage) ratio | 9.0058% | 4,996 |
| Tier 1 risk-based capital ratio | 16.1725% | 2,873 |
| Total risk-based capital ratio | 17.4305% | 2,811 |
| Memoranda: | ||
| Average total assets | $42,149,200 | 5,983 |
| Average earning assets | $41,129,000 | 5,893 |
| Average equity | $3,708,000 | 6,145 |
| Average total loans | $21,803,400 | 5,888 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,941 |
| Cost of funding earning assets | 0.9203% | 367 |
| Net interest margin | 3.2938% | 4,630 |
| Noninterest income to average assets | 0.1798% | 5,841 |
| Noninterest expense to average assets | 2.2271% | 5,292 |
| Loan and lease loss provision to assets | 0.2807% | 728 |
| Net operating income to assets | 0.7221% | 3,829 |
| Return on assets (ROA) | 0.6940% | 4,059 |
| Pretax return on assets | 0.8549% | 4,162 |
| Return on Equity (ROE) | 7.9910% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.9931% | 2,412 |
| Net charge-offs to loans | 0.0549% | 3,432 |
| Credit loss provision to net charge-offs | 988.8889% | 338 |
| Earnings coverage of net charge-offs (x) | 41.2208% | 1,104 |
| Efficiency ratio | 65.5525% | 4,288 |
| Assets per employee ($millions) | 5.1851% | 2,034 |
| Cash dividends to net income (ytd only)* | 24.9991% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 1,918 |
| Loan loss allowance to noncurrent loans | 113.1195% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 3,349 |
| Noncurrent loans to loans | 1.5182% | 2,136 |
| Net loans and leases to total assets | 53.5305% | 4,633 |
| Net loans and leases to deposits | 61.7457% | 4,767 |
| Net loans and leases to core deposits | 63.6010% | 4,914 |
| Total domestic deposits to total assets | 86.6951% | 2,481 |
| Equity capital to assets | 9.1536% | 5,208 |
| Core capital (leverage) ratio | 8.9500% | 5,135 |
| Tier 1 risk-based capital ratio | 15.5476% | 3,288 |
| Total risk-based capital ratio | 16.8019% | 3,226 |
| Memoranda: | ||
| Average total assets | $42,266,000 | 6,047 |
| Average earning assets | $41,289,250 | 5,960 |
| Average equity | $3,670,750 | 6,222 |
| Average total loans | $21,844,500 | 5,954 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,464 |
| Cost of funding earning assets | 0.9310% | 351 |
| Net interest margin | 3.4006% | 4,168 |
| Noninterest income to average assets | 0.1787% | 5,879 |
| Noninterest expense to average assets | 2.2056% | 5,399 |
| Loan and lease loss provision to assets | 0.0282% | 3,712 |
| Net operating income to assets | 1.0447% | 2,139 |
| Return on assets (ROA) | 1.0252% | 2,287 |
| Pretax return on assets | 1.2368% | 2,515 |
| Return on Equity (ROE) | 12.0154% | 1,416 |
| Retained earnings to average equity (ytd only) | 9.8108% | 763 |
| Net charge-offs to loans | 0.0834% | 2,855 |
| Credit loss provision to net charge-offs | 66.6667% | 2,524 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,249 |
| Efficiency ratio | 63.1225% | 4,838 |
| Assets per employee ($millions) | 5.3170% | 1,860 |
| Cash dividends to net income (ytd only)* | 18.3486% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,414 |
| Loan loss allowance to noncurrent loans | 81.1170% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8840% | 3,339 |
| Noncurrent loans to loans | 1.7112% | 2,020 |
| Net loans and leases to total assets | 50.9404% | 4,865 |
| Net loans and leases to deposits | 58.4484% | 4,998 |
| Net loans and leases to core deposits | 60.1505% | 5,129 |
| Total domestic deposits to total assets | 87.1544% | 2,368 |
| Equity capital to assets | 8.9642% | 5,339 |
| Core capital (leverage) ratio | 8.8741% | 5,204 |
| Tier 1 risk-based capital ratio | 15.6767% | 3,257 |
| Total risk-based capital ratio | 16.9248% | 3,198 |
| Memoranda: | ||
| Average total assets | $42,527,670 | 6,090 |
| Average earning assets | $41,463,000 | 6,014 |
| Average equity | $3,628,670 | 6,275 |
| Average total loans | $21,595,000 | 6,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 2,777 |
| Cost of funding earning assets | 0.9413% | 356 |
| Net interest margin | 3.2848% | 4,604 |
| Noninterest income to average assets | 0.1975% | 5,783 |
| Noninterest expense to average assets | 2.2952% | 5,206 |
| Loan and lease loss provision to assets | 0.0282% | 3,460 |
| Net operating income to assets | 0.8936% | 2,686 |
| Return on assets (ROA) | 0.8936% | 2,747 |
| Pretax return on assets | 1.0912% | 2,952 |
| Return on Equity (ROE) | 10.7451% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.2208% | 2,425 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2176% | 4,327 |
| Assets per employee ($millions) | 5.3410% | 1,873 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 3,166 |
| Loan loss allowance to noncurrent loans | 299.0385% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 5,462 |
| Noncurrent loans to loans | 0.4994% | 4,666 |
| Net loans and leases to total assets | 48.0083% | 5,131 |
| Net loans and leases to deposits | 54.7407% | 5,214 |
| Net loans and leases to core deposits | 56.3003% | 5,336 |
| Total domestic deposits to total assets | 87.7013% | 2,404 |
| Equity capital to assets | 8.4137% | 5,733 |
| Core capital (leverage) ratio | 8.4643% | 5,688 |
| Tier 1 risk-based capital ratio | 15.6971% | 3,335 |
| Total risk-based capital ratio | 16.9458% | 3,297 |
| Memoranda: | ||
| Average total assets | $42,523,500 | 6,158 |
| Average earning assets | $41,646,000 | 6,065 |
| Average equity | $3,536,500 | 6,341 |
| Average total loans | $21,406,000 | 6,076 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 4,227 |
| Cost of funding earning assets | 1.0909% | 298 |
| Net interest margin | 2.8726% | 5,844 |
| Noninterest income to average assets | 0.2755% | 5,385 |
| Noninterest expense to average assets | 2.4285% | 4,997 |
| Loan and lease loss provision to assets | 0.0278% | 4,565 |
| Net operating income to assets | 0.5587% | 4,458 |
| Return on assets (ROA) | 0.6366% | 4,194 |
| Pretax return on assets | 0.6968% | 4,554 |
| Return on Equity (ROE) | 7.5708% | 3,265 |
| Retained earnings to average equity (ytd only) | 6.4971% | 1,691 |
| Net charge-offs to loans | -0.0046% | 5,918 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1698% | 2,291 |
| Assets per employee ($millions) | 5.2899% | 1,860 |
| Cash dividends to net income (ytd only)* | 14.1818% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.2299% | 4,947 |
| Net loans and leases to deposits | 60.4438% | 4,903 |
| Net loans and leases to core deposits | 62.2452% | 5,037 |
| Total domestic deposits to total assets | 84.7563% | 3,868 |
| Equity capital to assets | 8.2185% | 5,859 |
| Core capital (leverage) ratio | 8.4895% | 5,685 |
| Tier 1 risk-based capital ratio | 14.7228% | 3,825 |
| Total risk-based capital ratio | 15.9727% | 3,767 |
| Memoranda: | ||
| Average total assets | $43,195,800 | 6,195 |
| Average earning assets | $41,982,600 | 6,112 |
| Average equity | $3,632,400 | 6,409 |
| Average total loans | $21,748,200 | 6,123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 4,191 |
| Cost of funding earning assets | 1.1078% | 298 |
| Net interest margin | 2.8770% | 5,863 |
| Noninterest income to average assets | 0.2917% | 5,365 |
| Noninterest expense to average assets | 2.1252% | 5,780 |
| Loan and lease loss provision to assets | 0.0276% | 4,456 |
| Net operating income to assets | 0.8871% | 2,900 |
| Return on assets (ROA) | 0.9950% | 2,480 |
| Pretax return on assets | 1.0442% | 3,319 |
| Return on Equity (ROE) | 11.7676% | 1,550 |
| Retained earnings to average equity (ytd only) | 10.3511% | 720 |
| Net charge-offs to loans | -0.0061% | 5,807 |
| Credit loss provision to net charge-offs | -900.0000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9243% | 3,929 |
| Assets per employee ($millions) | 5.2618% | 1,880 |
| Cash dividends to net income (ytd only)* | 12.0373% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 3,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.3443% | 5,207 |
| Net loans and leases to deposits | 57.0616% | 5,271 |
| Net loans and leases to core deposits | 57.9451% | 5,457 |
| Total domestic deposits to total assets | 86.4755% | 2,975 |
| Equity capital to assets | 8.4739% | 5,761 |
| Core capital (leverage) ratio | 8.4931% | 5,778 |
| Tier 1 risk-based capital ratio | 16.0757% | 3,150 |
| Total risk-based capital ratio | 17.3261% | 3,110 |
| Memoranda: | ||
| Average total assets | $43,415,000 | 6,261 |
| Average earning assets | $42,126,750 | 6,175 |
| Average equity | $3,671,000 | 6,475 |
| Average total loans | $21,688,250 | 6,194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 4,247 |
| Cost of funding earning assets | 1.1177% | 311 |
| Net interest margin | 2.8459% | 5,909 |
| Noninterest income to average assets | 0.3375% | 4,976 |
| Noninterest expense to average assets | 1.9382% | 6,153 |
| Loan and lease loss provision to assets | 0.0274% | 4,381 |
| Net operating income to assets | 1.0876% | 1,965 |
| Return on assets (ROA) | 1.2496% | 1,553 |
| Pretax return on assets | 1.3043% | 2,289 |
| Return on Equity (ROE) | 14.7881% | 847 |
| Retained earnings to average equity (ytd only) | 14.3024% | 283 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,097 |
| Assets per employee ($millions) | 5.4191% | 1,671 |
| Cash dividends to net income (ytd only)* | 3.2847% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 3,968 |
| Loan loss allowance to noncurrent loans | 133.1858% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 4,964 |
| Noncurrent loans to loans | 1.0622% | 3,801 |
| Net loans and leases to total assets | 48.3819% | 5,293 |
| Net loans and leases to deposits | 55.2555% | 5,412 |
| Net loans and leases to core deposits | 56.0754% | 5,588 |
| Total domestic deposits to total assets | 87.5603% | 2,514 |
| Equity capital to assets | 8.2393% | 6,029 |
| Core capital (leverage) ratio | 8.2566% | 5,948 |
| Tier 1 risk-based capital ratio | 16.1957% | 3,090 |
| Total risk-based capital ratio | 17.4446% | 3,043 |
| Memoranda: | ||
| Average total assets | $43,855,330 | 6,290 |
| Average earning assets | $42,587,000 | 6,202 |
| Average equity | $3,705,670 | 6,517 |
| Average total loans | $21,892,330 | 6,228 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 5,060 |
| Cost of funding earning assets | 1.1213% | 336 |
| Net interest margin | 2.6070% | 6,361 |
| Noninterest income to average assets | 0.1814% | 6,178 |
| Noninterest expense to average assets | 2.0042% | 6,096 |
| Loan and lease loss provision to assets | 0.0272% | 4,126 |
| Net operating income to assets | 0.6530% | 3,945 |
| Return on assets (ROA) | 0.6530% | 4,100 |
| Pretax return on assets | 0.6802% | 4,657 |
| Return on Equity (ROE) | 7.6342% | 3,142 |
| Retained earnings to average equity (ytd only) | 6.6799% | 2,323 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9130% | 3,277 |
| Assets per employee ($millions) | 5.6638% | 1,523 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,115 |
| Loan loss allowance to noncurrent loans | 158.5106% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,359 |
| Noncurrent loans to loans | 0.8977% | 4,340 |
| Net loans and leases to total assets | 45.5617% | 5,479 |
| Net loans and leases to deposits | 52.1208% | 5,604 |
| Net loans and leases to core deposits | 52.8493% | 5,759 |
| Total domestic deposits to total assets | 87.4156% | 2,680 |
| Equity capital to assets | 8.3624% | 6,139 |
| Core capital (leverage) ratio | 7.7849% | 6,304 |
| Tier 1 risk-based capital ratio | 14.3988% | 4,243 |
| Total risk-based capital ratio | 15.6408% | 4,211 |
| Memoranda: | ||
| Average total assets | $44,106,500 | 6,344 |
| Average earning assets | $42,807,500 | 6,253 |
| Average equity | $3,772,500 | 6,568 |
| Average total loans | $22,200,500 | 6,263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 4,832 |
| Cost of funding earning assets | 1.3757% | 273 |
| Net interest margin | 2.7563% | 6,436 |
| Noninterest income to average assets | 0.1851% | 6,074 |
| Noninterest expense to average assets | 2.2858% | 5,731 |
| Loan and lease loss provision to assets | 0.0288% | 5,534 |
| Net operating income to assets | 0.5255% | 4,577 |
| Return on assets (ROA) | 0.5624% | 4,675 |
| Pretax return on assets | 0.5865% | 5,035 |
| Return on Equity (ROE) | 6.3778% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.8872% | 2,149 |
| Net charge-offs to loans | 0.0045% | 5,913 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 175 |
| Efficiency ratio | 79.8489% | 2,166 |
| Assets per employee ($millions) | 5.3629% | 1,826 |
| Cash dividends to net income (ytd only)* | 7.6923% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,831 |
| Loan loss allowance to noncurrent loans | 163.8889% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 5,438 |
| Noncurrent loans to loans | 0.7673% | 4,647 |
| Net loans and leases to total assets | 53.9916% | 4,620 |
| Net loans and leases to deposits | 65.0692% | 4,412 |
| Net loans and leases to core deposits | 66.0847% | 4,729 |
| Total domestic deposits to total assets | 82.9755% | 4,737 |
| Equity capital to assets | 8.7546% | 5,789 |
| Core capital (leverage) ratio | 8.1057% | 6,085 |
| Tier 1 risk-based capital ratio | 13.3051% | 4,890 |
| Total risk-based capital ratio | 14.4622% | 4,895 |
| Memoranda: | ||
| Average total assets | $41,603,800 | 6,445 |
| Average earning assets | $40,417,000 | 6,350 |
| Average equity | $3,669,000 | 6,643 |
| Average total loans | $22,404,000 | 6,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 4,762 |
| Cost of funding earning assets | 1.4243% | 274 |
| Net interest margin | 2.7921% | 6,512 |
| Noninterest income to average assets | 0.1776% | 6,239 |
| Noninterest expense to average assets | 2.2028% | 5,942 |
| Loan and lease loss provision to assets | 0.0291% | 5,417 |
| Net operating income to assets | 0.6412% | 4,187 |
| Return on assets (ROA) | 0.6944% | 4,186 |
| Pretax return on assets | 0.7170% | 4,802 |
| Return on Equity (ROE) | 7.8596% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.2016% | 2,009 |
| Net charge-offs to loans | 0.0060% | 5,665 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 214.5338% | 212 |
| Efficiency ratio | 76.1161% | 2,661 |
| Assets per employee ($millions) | 5.1906% | 1,937 |
| Cash dividends to net income (ytd only)* | 8.3723% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,651 |
| Loan loss allowance to noncurrent loans | 130.9417% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 5,333 |
| Noncurrent loans to loans | 1.0197% | 4,412 |
| Net loans and leases to total assets | 51.9639% | 5,051 |
| Net loans and leases to deposits | 60.4477% | 5,152 |
| Net loans and leases to core deposits | 61.3726% | 5,418 |
| Total domestic deposits to total assets | 85.9651% | 3,276 |
| Equity capital to assets | 9.1174% | 5,685 |
| Core capital (leverage) ratio | 8.1972% | 6,145 |
| Tier 1 risk-based capital ratio | 14.0717% | 4,476 |
| Total risk-based capital ratio | 15.2902% | 4,450 |
| Memoranda: | ||
| Average total assets | $41,279,000 | 6,538 |
| Average earning assets | $40,160,500 | 6,426 |
| Average equity | $3,647,250 | 6,732 |
| Average total loans | $22,140,250 | 6,414 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 4,747 |
| Cost of funding earning assets | 1.4827% | 256 |
| Net interest margin | 2.7707% | 6,621 |
| Noninterest income to average assets | 0.1699% | 6,329 |
| Noninterest expense to average assets | 2.0827% | 6,258 |
| Loan and lease loss provision to assets | 0.0291% | 5,304 |
| Net operating income to assets | 0.7141% | 3,788 |
| Return on assets (ROA) | 0.7234% | 4,016 |
| Pretax return on assets | 0.7622% | 4,597 |
| Return on Equity (ROE) | 8.2755% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.7756% | 1,730 |
| Net charge-offs to loans | 0.0180% | 5,164 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 504 |
| Efficiency ratio | 72.7119% | 3,299 |
| Assets per employee ($millions) | 5.1598% | 1,962 |
| Cash dividends to net income (ytd only)* | 6.0403% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 4,576 |
| Loan loss allowance to noncurrent loans | 123.6052% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 5,345 |
| Noncurrent loans to loans | 1.1073% | 4,310 |
| Net loans and leases to total assets | 50.2810% | 5,320 |
| Net loans and leases to deposits | 58.6996% | 5,379 |
| Net loans and leases to core deposits | 59.6065% | 5,631 |
| Total domestic deposits to total assets | 85.6582% | 3,529 |
| Equity capital to assets | 8.8279% | 5,878 |
| Core capital (leverage) ratio | 7.9531% | 6,318 |
| Tier 1 risk-based capital ratio | 14.2648% | 4,259 |
| Total risk-based capital ratio | 15.5041% | 4,229 |
| Memoranda: | ||
| Average total assets | $41,197,000 | 6,582 |
| Average earning assets | $40,062,000 | 6,475 |
| Average equity | $3,601,000 | 6,782 |
| Average total loans | $22,230,330 | 6,452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 4,655 |
| Cost of funding earning assets | 1.5467% | 233 |
| Net interest margin | 2.7740% | 6,673 |
| Noninterest income to average assets | 0.1555% | 6,465 |
| Noninterest expense to average assets | 2.2062% | 6,029 |
| Loan and lease loss provision to assets | 0.0292% | 4,999 |
| Net operating income to assets | 0.5742% | 4,473 |
| Return on assets (ROA) | 0.5831% | 4,645 |
| Pretax return on assets | 0.6317% | 5,006 |
| Return on Equity (ROE) | 6.7048% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.6991% | 3,147 |
| Net charge-offs to loans | -0.0175% | 6,129 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2109% | 2,618 |
| Assets per employee ($millions) | 5.3520% | 1,832 |
| Cash dividends to net income (ytd only)* | 15.0000% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,812 |
| Loan loss allowance to noncurrent loans | 78.4741% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 4,811 |
| Noncurrent loans to loans | 1.7177% | 3,536 |
| Net loans and leases to total assets | 49.2293% | 5,399 |
| Net loans and leases to deposits | 56.5837% | 5,540 |
| Net loans and leases to core deposits | 57.4004% | 5,768 |
| Total domestic deposits to total assets | 87.0025% | 2,956 |
| Equity capital to assets | 8.2633% | 6,299 |
| Core capital (leverage) ratio | 7.6560% | 6,528 |
| Tier 1 risk-based capital ratio | 13.5491% | 4,792 |
| Total risk-based capital ratio | 14.7584% | 4,806 |
| Memoranda: | ||
| Average total assets | $41,156,500 | 6,641 |
| Average earning assets | $40,086,500 | 6,516 |
| Average equity | $3,579,500 | 6,827 |
| Average total loans | $22,824,000 | 6,476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 4,142 |
| Cost of funding earning assets | 1.8175% | 200 |
| Net interest margin | 2.9090% | 6,675 |
| Noninterest income to average assets | 0.2458% | 5,779 |
| Noninterest expense to average assets | 2.4809% | 5,529 |
| Loan and lease loss provision to assets | 0.0307% | 6,184 |
| Net operating income to assets | 0.5296% | 4,309 |
| Return on assets (ROA) | 0.6606% | 3,876 |
| Pretax return on assets | 0.7066% | 4,303 |
| Return on Equity (ROE) | 7.7870% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.2438% | 1,389 |
| Net charge-offs to loans | 0.0086% | 6,309 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 279 |
| Efficiency ratio | 80.6156% | 2,216 |
| Assets per employee ($millions) | 4.9371% | 2,295 |
| Cash dividends to net income (ytd only)* | 6.9767% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,534 |
| Loan loss allowance to noncurrent loans | 118.8285% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 5,450 |
| Noncurrent loans to loans | 0.9843% | 4,739 |
| Net loans and leases to total assets | 60.7590% | 3,840 |
| Net loans and leases to deposits | 70.7801% | 3,984 |
| Net loans and leases to core deposits | 71.9041% | 4,546 |
| Total domestic deposits to total assets | 85.8420% | 3,408 |
| Equity capital to assets | 9.1678% | 5,333 |
| Core capital (leverage) ratio | 8.1290% | 6,101 |
| Tier 1 risk-based capital ratio | 12.4853% | 5,465 |
| Total risk-based capital ratio | 13.6017% | 5,547 |
| Memoranda: | ||
| Average total assets | $39,058,200 | 6,704 |
| Average earning assets | $38,019,600 | 6,605 |
| Average equity | $3,313,200 | 6,928 |
| Average total loans | $23,320,600 | 6,497 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 4,274 |
| Cost of funding earning assets | 1.8675% | 200 |
| Net interest margin | 2.8734% | 6,795 |
| Noninterest income to average assets | 0.2499% | 5,827 |
| Noninterest expense to average assets | 2.3038% | 6,019 |
| Loan and lease loss provision to assets | 0.0308% | 6,055 |
| Net operating income to assets | 0.6300% | 3,964 |
| Return on assets (ROA) | 0.7976% | 3,339 |
| Pretax return on assets | 0.9003% | 3,768 |
| Return on Equity (ROE) | 9.5994% | 2,346 |
| Retained earnings to average equity (ytd only) | 8.8578% | 1,199 |
| Net charge-offs to loans | 0.0116% | 5,988 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 108.3633% | 336 |
| Efficiency ratio | 75.6180% | 2,897 |
| Assets per employee ($millions) | 4.8034% | 2,466 |
| Cash dividends to net income (ytd only)* | 7.7255% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,334 |
| Loan loss allowance to noncurrent loans | 100.7168% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 5,343 |
| Noncurrent loans to loans | 1.2237% | 4,499 |
| Net loans and leases to total assets | 58.6020% | 4,394 |
| Net loans and leases to deposits | 67.9963% | 4,606 |
| Net loans and leases to core deposits | 69.0873% | 5,053 |
| Total domestic deposits to total assets | 86.1842% | 3,102 |
| Equity capital to assets | 9.2721% | 5,423 |
| Core capital (leverage) ratio | 7.9450% | 6,443 |
| Tier 1 risk-based capital ratio | 13.1150% | 5,011 |
| Total risk-based capital ratio | 14.2845% | 5,040 |
| Memoranda: | ||
| Average total assets | $38,948,500 | 6,767 |
| Average earning assets | $37,909,750 | 6,662 |
| Average equity | $3,236,250 | 7,008 |
| Average total loans | $23,080,250 | 6,574 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 4,567 |
| Cost of funding earning assets | 1.8786% | 226 |
| Net interest margin | 2.8126% | 6,909 |
| Noninterest income to average assets | 0.2300% | 6,011 |
| Noninterest expense to average assets | 2.1880% | 6,412 |
| Loan and lease loss provision to assets | 0.0307% | 5,925 |
| Net operating income to assets | 0.6774% | 3,656 |
| Return on assets (ROA) | 0.7924% | 3,234 |
| Pretax return on assets | 0.8793% | 3,714 |
| Return on Equity (ROE) | 9.9126% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.3370% | 1,002 |
| Net charge-offs to loans | 0.0173% | 5,597 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 448 |
| Efficiency ratio | 73.6661% | 3,422 |
| Assets per employee ($millions) | 4.9868% | 2,143 |
| Cash dividends to net income (ytd only)* | 5.8065% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,562 |
| Loan loss allowance to noncurrent loans | 99.6416% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 5,508 |
| Noncurrent loans to loans | 1.1999% | 4,650 |
| Net loans and leases to total assets | 57.5876% | 4,711 |
| Net loans and leases to deposits | 65.1172% | 5,126 |
| Net loans and leases to core deposits | 66.0970% | 5,502 |
| Total domestic deposits to total assets | 88.4369% | 1,895 |
| Equity capital to assets | 8.4123% | 6,291 |
| Core capital (leverage) ratio | 7.7096% | 6,578 |
| Tier 1 risk-based capital ratio | 12.4621% | 5,383 |
| Total risk-based capital ratio | 13.5862% | 5,469 |
| Memoranda: | ||
| Average total assets | $39,122,330 | 6,821 |
| Average earning assets | $38,114,330 | 6,712 |
| Average equity | $3,127,330 | 7,096 |
| Average total loans | $23,173,670 | 6,633 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 4,838 |
| Cost of funding earning assets | 1.8953% | 255 |
| Net interest margin | 2.7317% | 6,986 |
| Noninterest income to average assets | 0.2375% | 6,012 |
| Noninterest expense to average assets | 2.2511% | 6,302 |
| Loan and lease loss provision to assets | 0.0310% | 5,581 |
| Net operating income to assets | 0.5886% | 4,094 |
| Return on assets (ROA) | 0.5886% | 4,162 |
| Pretax return on assets | 0.6196% | 4,604 |
| Return on Equity (ROE) | 7.5672% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.3724% | 2,435 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5801% | 2,906 |
| Assets per employee ($millions) | 4.9478% | 2,238 |
| Cash dividends to net income (ytd only)* | 15.7895% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,373 |
| Loan loss allowance to noncurrent loans | 86.0248% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 5,281 |
| Noncurrent loans to loans | 1.4560% | 4,285 |
| Net loans and leases to total assets | 55.1715% | 5,132 |
| Net loans and leases to deposits | 62.0063% | 5,492 |
| Net loans and leases to core deposits | 62.9265% | 5,836 |
| Total domestic deposits to total assets | 88.9773% | 1,791 |
| Equity capital to assets | 7.8041% | 6,675 |
| Core capital (leverage) ratio | 7.5231% | 6,711 |
| Tier 1 risk-based capital ratio | 12.5727% | 5,194 |
| Total risk-based capital ratio | 13.7402% | 5,253 |
| Memoranda: | ||
| Average total assets | $38,736,500 | 6,879 |
| Average earning assets | $37,778,500 | 6,771 |
| Average equity | $3,013,000 | 7,166 |
| Average total loans | $23,134,500 | 6,687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 3,927 |
| Cost of funding earning assets | 2.0773% | 459 |
| Net interest margin | 3.0576% | 6,624 |
| Noninterest income to average assets | 0.2462% | 6,033 |
| Noninterest expense to average assets | 2.5983% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5812% | 3,749 |
| Return on assets (ROA) | 0.6538% | 3,568 |
| Pretax return on assets | 0.6906% | 4,005 |
| Return on Equity (ROE) | 7.7757% | 2,787 |
| Retained earnings to average equity (ytd only) | 7.1698% | 1,254 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8811% | 2,296 |
| Assets per employee ($millions) | 4.7364% | 2,510 |
| Cash dividends to net income (ytd only)* | 7.7922% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,807 |
| Loan loss allowance to noncurrent loans | 84.8297% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 5,303 |
| Noncurrent loans to loans | 1.3373% | 4,485 |
| Net loans and leases to total assets | 63.0229% | 4,066 |
| Net loans and leases to deposits | 73.0499% | 4,351 |
| Net loans and leases to core deposits | 74.2191% | 4,952 |
| Total domestic deposits to total assets | 86.2738% | 3,213 |
| Equity capital to assets | 7.7512% | 6,708 |
| Core capital (leverage) ratio | 7.7820% | 6,455 |
| Tier 1 risk-based capital ratio | 11.6526% | 5,769 |
| Total risk-based capital ratio | 12.7401% | 5,922 |
| Memoranda: | ||
| Average total assets | $35,330,400 | 7,030 |
| Average earning assets | $34,275,600 | 6,939 |
| Average equity | $2,970,800 | 7,287 |
| Average total loans | $22,140,000 | 6,814 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 3,977 |
| Cost of funding earning assets | 2.1099% | 520 |
| Net interest margin | 3.0617% | 6,706 |
| Noninterest income to average assets | 0.2229% | 6,310 |
| Noninterest expense to average assets | 2.4944% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6157% | 3,812 |
| Return on assets (ROA) | 0.6495% | 3,814 |
| Pretax return on assets | 0.7341% | 4,132 |
| Return on Equity (ROE) | 7.5633% | 3,078 |
| Retained earnings to average equity (ytd only) | 6.7577% | 1,965 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1928% | 2,597 |
| Assets per employee ($millions) | 4.5894% | 2,766 |
| Cash dividends to net income (ytd only)* | 10.6510% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,275 |
| Loan loss allowance to noncurrent loans | 85.3583% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 5,348 |
| Noncurrent loans to loans | 1.4562% | 4,439 |
| Net loans and leases to total assets | 59.2918% | 5,043 |
| Net loans and leases to deposits | 67.1862% | 5,524 |
| Net loans and leases to core deposits | 68.2542% | 5,912 |
| Total domestic deposits to total assets | 88.2500% | 1,825 |
| Equity capital to assets | 8.5415% | 6,231 |
| Core capital (leverage) ratio | 7.9880% | 6,359 |
| Tier 1 risk-based capital ratio | 12.3385% | 5,131 |
| Total risk-based capital ratio | 13.5148% | 5,183 |
| Memoranda: | ||
| Average total assets | $34,690,250 | 7,140 |
| Average earning assets | $33,618,750 | 7,040 |
| Average equity | $2,979,250 | 7,377 |
| Average total loans | $21,636,500 | 6,934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 3,628 |
| Cost of funding earning assets | 2.1369% | 579 |
| Net interest margin | 3.1264% | 6,530 |
| Noninterest income to average assets | 0.2293% | 6,270 |
| Noninterest expense to average assets | 2.4283% | 5,983 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6756% | 3,509 |
| Return on assets (ROA) | 0.7232% | 3,458 |
| Pretax return on assets | 0.8878% | 3,547 |
| Return on Equity (ROE) | 8.4045% | 2,712 |
| Retained earnings to average equity (ytd only) | 7.7895% | 1,514 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5487% | 3,357 |
| Assets per employee ($millions) | 4.2818% | 3,250 |
| Cash dividends to net income (ytd only)* | 7.3171% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,042 |
| Loan loss allowance to noncurrent loans | 49.3694% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 4,013 |
| Noncurrent loans to loans | 2.5892% | 3,047 |
| Net loans and leases to total assets | 61.7767% | 4,728 |
| Net loans and leases to deposits | 70.1392% | 5,257 |
| Net loans and leases to core deposits | 71.3380% | 5,742 |
| Total domestic deposits to total assets | 88.0773% | 1,957 |
| Equity capital to assets | 8.7201% | 5,856 |
| Core capital (leverage) ratio | 8.2125% | 5,920 |
| Tier 1 risk-based capital ratio | 12.7163% | 4,674 |
| Total risk-based capital ratio | 13.9444% | 4,665 |
| Memoranda: | ||
| Average total assets | $34,015,330 | 7,214 |
| Average earning assets | $32,945,330 | 7,116 |
| Average equity | $2,927,000 | 7,439 |
| Average total loans | $21,501,000 | 6,992 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 3,569 |
| Cost of funding earning assets | 2.1308% | 736 |
| Net interest margin | 3.1658% | 6,401 |
| Noninterest income to average assets | 0.2006% | 6,529 |
| Noninterest expense to average assets | 2.4782% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6588% | 3,621 |
| Return on assets (ROA) | 0.6490% | 3,788 |
| Pretax return on assets | 0.7789% | 3,956 |
| Return on Equity (ROE) | 7.5941% | 3,071 |
| Retained earnings to average equity (ytd only) | 6.3514% | 2,443 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8123% | 3,247 |
| Assets per employee ($millions) | 4.3279% | 3,245 |
| Cash dividends to net income (ytd only)* | 16.3636% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,813 |
| Loan loss allowance to noncurrent loans | 84.3077% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9387% | 5,268 |
| Noncurrent loans to loans | 1.5679% | 4,393 |
| Net loans and leases to total assets | 59.0792% | 5,274 |
| Net loans and leases to deposits | 66.8879% | 5,724 |
| Net loans and leases to core deposits | 67.9997% | 6,102 |
| Total domestic deposits to total assets | 88.3257% | 1,890 |
| Equity capital to assets | 8.4221% | 6,124 |
| Core capital (leverage) ratio | 8.0141% | 6,218 |
| Tier 1 risk-based capital ratio | 12.7520% | 4,521 |
| Total risk-based capital ratio | 14.0042% | 4,479 |
| Memoranda: | ||
| Average total assets | $33,896,000 | 7,312 |
| Average earning assets | $32,851,000 | 7,206 |
| Average equity | $2,897,000 | 7,524 |
| Average total loans | $21,534,000 | 7,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7681% | 2,787 |
| Cost of funding earning assets | 2.3538% | 1,444 |
| Net interest margin | 3.4143% | 5,316 |
| Noninterest income to average assets | 0.3012% | 5,941 |
| Noninterest expense to average assets | 2.9992% | 4,146 |
| Loan and lease loss provision to assets | 0.1186% | 6,458 |
| Net operating income to assets | 0.4012% | 4,124 |
| Return on assets (ROA) | 0.5319% | 3,697 |
| Pretax return on assets | 0.6280% | 3,819 |
| Return on Equity (ROE) | 5.9417% | 3,237 |
| Retained earnings to average equity (ytd only) | 5.2974% | 1,675 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4969% | 2,418 |
| Assets per employee ($millions) | 4.1461% | 3,524 |
| Cash dividends to net income (ytd only)* | 10.8434% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,202 |
| Loan loss allowance to noncurrent loans | 3,044.4444% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 7,454 |
| Noncurrent loans to loans | 0.0403% | 7,330 |
| Net loans and leases to total assets | 66.5230% | 4,030 |
| Net loans and leases to deposits | 75.4591% | 4,824 |
| Net loans and leases to core deposits | 85.6328% | 5,554 |
| Total domestic deposits to total assets | 88.1576% | 1,899 |
| Equity capital to assets | 8.6768% | 5,623 |
| Core capital (leverage) ratio | 8.3574% | 5,523 |
| Tier 1 risk-based capital ratio | 11.9951% | 4,950 |
| Total risk-based capital ratio | 13.2021% | 4,940 |
| Memoranda: | ||
| Average total assets | $31,208,000 | 7,434 |
| Average earning assets | $30,079,400 | 7,349 |
| Average equity | $2,793,800 | 7,650 |
| Average total loans | $21,241,400 | 7,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 2,758 |
| Cost of funding earning assets | 2.3766% | 1,714 |
| Net interest margin | 3.4524% | 5,066 |
| Noninterest income to average assets | 0.2995% | 6,079 |
| Noninterest expense to average assets | 2.7649% | 5,040 |
| Loan and lease loss provision to assets | 0.0217% | 7,136 |
| Net operating income to assets | 0.6858% | 3,257 |
| Return on assets (ROA) | 0.7596% | 3,051 |
| Pretax return on assets | 0.9332% | 3,121 |
| Return on Equity (ROE) | 8.4151% | 2,480 |
| Retained earnings to average equity (ytd only) | 7.5495% | 1,295 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1962% | 3,476 |
| Assets per employee ($millions) | 3.9439% | 3,841 |
| Cash dividends to net income (ytd only)* | 10.2859% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,719 |
| 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 | 68.9170% | 3,735 |
| Net loans and leases to deposits | 81.4321% | 4,125 |
| Net loans and leases to core deposits | 89.2464% | 5,509 |
| Total domestic deposits to total assets | 84.6312% | 3,418 |
| Equity capital to assets | 9.3309% | 4,983 |
| Core capital (leverage) ratio | 8.7131% | 5,107 |
| Tier 1 risk-based capital ratio | 12.3799% | 4,647 |
| Total risk-based capital ratio | 13.4765% | 4,712 |
| Memoranda: | ||
| Average total assets | $30,717,750 | 7,515 |
| Average earning assets | $29,621,250 | 7,436 |
| Average equity | $2,772,750 | 7,726 |
| Average total loans | $20,967,000 | 7,203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 3,143 |
| Cost of funding earning assets | 2.3920% | 1,995 |
| Net interest margin | 3.3870% | 5,226 |
| Noninterest income to average assets | 0.2825% | 6,241 |
| Noninterest expense to average assets | 2.5493% | 5,949 |
| Loan and lease loss provision to assets | 0.0197% | 7,031 |
| Net operating income to assets | 0.7714% | 2,964 |
| Return on assets (ROA) | 0.8804% | 2,643 |
| Pretax return on assets | 1.1170% | 2,575 |
| Return on Equity (ROE) | 9.8687% | 2,065 |
| Retained earnings to average equity (ytd only) | 9.2058% | 892 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8519% | 4,441 |
| Assets per employee ($millions) | 3.8441% | 3,993 |
| Cash dividends to net income (ytd only)* | 6.7164% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.4911% | 4,461 |
| Net loans and leases to deposits | 76.2757% | 5,125 |
| Net loans and leases to core deposits | 84.4819% | 6,056 |
| Total domestic deposits to total assets | 87.1720% | 2,160 |
| Equity capital to assets | 9.0268% | 5,278 |
| Core capital (leverage) ratio | 8.7876% | 4,959 |
| Tier 1 risk-based capital ratio | 12.9032% | 4,213 |
| Total risk-based capital ratio | 14.0502% | 4,201 |
| Memoranda: | ||
| Average total assets | $30,440,000 | 7,585 |
| Average earning assets | $29,347,670 | 7,514 |
| Average equity | $2,715,670 | 7,815 |
| Average total loans | $20,627,330 | 7,288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7796% | 3,404 |
| Cost of funding earning assets | 2.4162% | 2,223 |
| Net interest margin | 3.3634% | 5,275 |
| Noninterest income to average assets | 0.2642% | 6,336 |
| Noninterest expense to average assets | 2.6813% | 5,096 |
| Loan and lease loss provision to assets | 0.0132% | 6,678 |
| Net operating income to assets | 0.6888% | 3,610 |
| Return on assets (ROA) | 0.9246% | 2,734 |
| Pretax return on assets | 1.0831% | 3,053 |
| Return on Equity (ROE) | 10.4264% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.0858% | 1,448 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6038% | 3,387 |
| Assets per employee ($millions) | 3.7673% | 4,182 |
| Cash dividends to net income (ytd only)* | 12.8571% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 4,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.3162% | 4,745 |
| Net loans and leases to deposits | 75.0305% | 5,337 |
| Net loans and leases to core deposits | 83.2664% | 6,125 |
| Total domestic deposits to total assets | 87.0529% | 2,188 |
| Equity capital to assets | 8.9887% | 5,361 |
| Core capital (leverage) ratio | 8.8733% | 4,888 |
| Tier 1 risk-based capital ratio | 13.0469% | 4,162 |
| Total risk-based capital ratio | 14.2249% | 4,121 |
| Memoranda: | ||
| Average total assets | $30,283,500 | 7,639 |
| Average earning assets | $29,137,000 | 7,562 |
| Average equity | $2,685,500 | 7,872 |
| Average total loans | $20,597,000 | 7,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 4,267 |
| Cost of funding earning assets | 2.7836% | 2,773 |
| Net interest margin | 3.4616% | 5,432 |
| Noninterest income to average assets | 0.3977% | 5,492 |
| Noninterest expense to average assets | 2.8376% | 4,656 |
| Loan and lease loss provision to assets | 0.0215% | 7,123 |
| Net operating income to assets | 0.6526% | 4,094 |
| Return on assets (ROA) | 0.7560% | 3,478 |
| Pretax return on assets | 0.9638% | 3,510 |
| Return on Equity (ROE) | 8.4875% | 2,848 |
| Retained earnings to average equity (ytd only) | 7.7635% | 911 |
| Net charge-offs to loans | 0.0159% | 6,658 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 524 |
| Efficiency ratio | 76.8932% | 3,096 |
| Assets per employee ($millions) | 3.8036% | 3,953 |
| Cash dividends to net income (ytd only)* | 8.5308% | 4,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.1248% | 4,222 |
| Net loans and leases to deposits | 87.4740% | 3,869 |
| Net loans and leases to core deposits | 96.9711% | 5,152 |
| Total domestic deposits to total assets | 79.0233% | 5,371 |
| Equity capital to assets | 8.7482% | 5,733 |
| Core capital (leverage) ratio | 8.8209% | 5,006 |
| Tier 1 risk-based capital ratio | 12.0091% | 4,816 |
| Total risk-based capital ratio | 13.1144% | 4,829 |
| Memoranda: | ||
| Average total assets | $27,911,200 | 7,732 |
| Average earning assets | $26,548,200 | 7,673 |
| Average equity | $2,486,000 | 7,994 |
| Average total loans | $18,847,400 | 7,413 |