Home > Bodcaw Bank > Performance and Condition Ratios
Bodcaw Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3646% | 399 |
| Cost of funding earning assets | 2.1259% | 737 |
| Net interest margin | 4.2386% | 889 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.6451% | 1,885 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.2046% | 1,641 |
| Return on assets (ROA) | 1.2046% | 1,614 |
| Pretax return on assets | 1.5193% | 1,374 |
| Return on Equity (ROE) | 14.3900% | 1,405 |
| Retained earnings to average equity (ytd only) | 14.3716% | 370 |
| Net charge-offs to loans | 0.1433% | 712 |
| Credit loss provision to net charge-offs | 205.4795% | 1,206 |
| Earnings coverage of net charge-offs (x) | 14.0719% | 2,090 |
| Efficiency ratio | 59.7867% | 3,102 |
| Assets per employee ($millions) | 6.2788% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.1078% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,382 |
| Loan loss allowance to noncurrent loans | 215.9620% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 1,156 |
| Noncurrent loans to loans | 0.5486% | 1,431 |
| Net loans and leases to total assets | 87.4900% | 103 |
| Net loans and leases to deposits | 99.7682% | 547 |
| Net loans and leases to core deposits | 141.7813% | 259 |
| Total domestic deposits to total assets | 87.6900% | 1,454 |
| Equity capital to assets | 8.8112% | 2,815 |
| Core capital (leverage) ratio | 9.6824% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $230,956,800 | 2,784 |
| Average earning assets | $218,915,200 | 2,750 |
| Average equity | $19,336,800 | 2,917 |
| Average total loans | $203,801,000 | 2,263 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2518% | 390 |
| Cost of funding earning assets | 2.0170% | 686 |
| Net interest margin | 4.2348% | 879 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.5543% | 2,071 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.2690% | 1,610 |
| Return on assets (ROA) | 1.2690% | 1,603 |
| Pretax return on assets | 1.6276% | 1,301 |
| Return on Equity (ROE) | 15.3700% | 1,381 |
| Retained earnings to average equity (ytd only) | 15.3453% | 522 |
| Net charge-offs to loans | 0.0390% | 1,334 |
| Credit loss provision to net charge-offs | 762.7119% | 485 |
| Earnings coverage of net charge-offs (x) | 55.0169% | 1,256 |
| Efficiency ratio | 57.4797% | 3,267 |
| Assets per employee ($millions) | 6.2673% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.1376% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 2,088 |
| Loan loss allowance to noncurrent loans | 215.9432% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 1,110 |
| Noncurrent loans to loans | 0.5804% | 1,379 |
| Net loans and leases to total assets | 87.9000% | 80 |
| Net loans and leases to deposits | 97.5021% | 643 |
| Net loans and leases to core deposits | 136.0504% | 265 |
| Total domestic deposits to total assets | 90.1500% | 903 |
| Equity capital to assets | 8.4536% | 2,752 |
| Core capital (leverage) ratio | 9.3616% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $229,047,500 | 2,804 |
| Average earning assets | $217,148,000 | 2,773 |
| Average equity | $18,915,250 | 2,945 |
| Average total loans | $201,939,000 | 2,272 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0771% | 409 |
| Cost of funding earning assets | 1.8783% | 641 |
| Net interest margin | 4.1988% | 935 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5129% | 2,170 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.2872% | 1,600 |
| Return on assets (ROA) | 1.2872% | 1,585 |
| Pretax return on assets | 1.6519% | 1,317 |
| Return on Equity (ROE) | 15.7100% | 1,319 |
| Retained earnings to average equity (ytd only) | 15.7123% | 501 |
| Net charge-offs to loans | 0.0060% | 2,032 |
| Credit loss provision to net charge-offs | 5,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 390 |
| Efficiency ratio | 56.7525% | 3,327 |
| Assets per employee ($millions) | 5.8230% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,408 |
| Loan loss allowance to noncurrent loans | 157.5949% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 765 |
| Noncurrent loans to loans | 0.7653% | 990 |
| Net loans and leases to total assets | 87.5700% | 94 |
| Net loans and leases to deposits | 98.7471% | 571 |
| Net loans and leases to core deposits | 138.8701% | 227 |
| Total domestic deposits to total assets | 88.6800% | 1,354 |
| Equity capital to assets | 8.3084% | 3,022 |
| Core capital (leverage) ratio | 9.1400% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $228,100,333 | 2,816 |
| Average earning assets | $216,156,667 | 2,785 |
| Average equity | $18,686,000 | 2,973 |
| Average total loans | $200,445,667 | 2,283 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9149% | 347 |
| Cost of funding earning assets | 1.6210% | 671 |
| Net interest margin | 4.2939% | 813 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.5539% | 2,098 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.2991% | 1,672 |
| Return on assets (ROA) | 1.2991% | 1,644 |
| Pretax return on assets | 1.6731% | 1,333 |
| Return on Equity (ROE) | 15.9800% | 1,364 |
| Retained earnings to average equity (ytd only) | 15.9756% | 691 |
| Net charge-offs to loans | 0.0365% | 1,005 |
| Credit loss provision to net charge-offs | 833.3333% | 402 |
| Earnings coverage of net charge-offs (x) | 60.7778% | 1,009 |
| Efficiency ratio | 56.8442% | 3,319 |
| Assets per employee ($millions) | 6.0534% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 2,810 |
| Loan loss allowance to noncurrent loans | 185.0556% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 945 |
| Noncurrent loans to loans | 0.6229% | 1,207 |
| Net loans and leases to total assets | 86.7800% | 114 |
| Net loans and leases to deposits | 97.1070% | 587 |
| Net loans and leases to core deposits | 134.6991% | 232 |
| Total domestic deposits to total assets | 89.3700% | 1,391 |
| Equity capital to assets | 8.1868% | 3,117 |
| Core capital (leverage) ratio | 8.9303% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $225,690,000 | 2,869 |
| Average earning assets | $213,698,500 | 2,832 |
| Average equity | $18,353,000 | 3,024 |
| Average total loans | $197,438,000 | 2,323 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 172 |
| Cost of funding earning assets | 0.7516% | 467 |
| Net interest margin | 4.6617% | 223 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6148% | 1,791 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.3572% | 1,256 |
| Return on assets (ROA) | 1.3644% | 1,187 |
| Pretax return on assets | 1.7491% | 817 |
| Return on Equity (ROE) | 15.5400% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.0182% | 662 |
| Net charge-offs to loans | 0.1341% | 594 |
| Credit loss provision to net charge-offs | 308.7558% | 902 |
| Earnings coverage of net charge-offs (x) | 18.9908% | 1,920 |
| Efficiency ratio | 55.7215% | 3,606 |
| Assets per employee ($millions) | 5.6757% | 3,057 |
| Cash dividends to net income (ytd only)* | 22.6534% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 2,704 |
| Loan loss allowance to noncurrent loans | 180.5921% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 915 |
| Noncurrent loans to loans | 0.6303% | 1,175 |
| Net loans and leases to total assets | 86.1700% | 144 |
| Net loans and leases to deposits | 99.5117% | 458 |
| Net loans and leases to core deposits | 129.3818% | 232 |
| Total domestic deposits to total assets | 86.5900% | 2,540 |
| Equity capital to assets | 8.0749% | 3,016 |
| Core capital (leverage) ratio | 9.2473% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $198,332,600 | 3,054 |
| Average earning assets | $186,005,800 | 3,031 |
| Average equity | $17,415,200 | 3,174 |
| Average total loans | $161,765,000 | 2,527 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 142 |
| Cost of funding earning assets | 0.6740% | 303 |
| Net interest margin | 4.6227% | 190 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.4592% | 2,131 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 1.3465% | 1,217 |
| Return on assets (ROA) | 1.3563% | 1,173 |
| Pretax return on assets | 1.7862% | 757 |
| Return on Equity (ROE) | 15.1000% | 1,151 |
| Retained earnings to average equity (ytd only) | 15.0358% | 364 |
| Net charge-offs to loans | 0.1576% | 410 |
| Credit loss provision to net charge-offs | 302.1978% | 806 |
| Earnings coverage of net charge-offs (x) | 17.0989% | 1,802 |
| Efficiency ratio | 53.3013% | 3,885 |
| Assets per employee ($millions) | 5.8950% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.4084% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,569 |
| Loan loss allowance to noncurrent loans | 198.2160% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 1,093 |
| Noncurrent loans to loans | 0.6016% | 1,345 |
| Net loans and leases to total assets | 82.4200% | 357 |
| Net loans and leases to deposits | 90.7410% | 844 |
| Net loans and leases to core deposits | 119.6019% | 264 |
| Total domestic deposits to total assets | 90.8300% | 1,306 |
| Equity capital to assets | 8.0991% | 2,838 |
| Core capital (leverage) ratio | 9.4428% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $192,577,750 | 3,109 |
| Average earning assets | $180,209,000 | 3,086 |
| Average equity | $17,300,500 | 3,215 |
| Average total loans | $153,974,250 | 2,596 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 137 |
| Cost of funding earning assets | 0.6467% | 213 |
| Net interest margin | 4.5003% | 196 |
| Noninterest income to average assets | 0.2623% | 3,598 |
| Noninterest expense to average assets | 2.4426% | 2,105 |
| Loan and lease loss provision to assets | 0.3279% | 193 |
| Net operating income to assets | 1.3712% | 978 |
| Return on assets (ROA) | 1.3869% | 911 |
| Pretax return on assets | 1.7083% | 738 |
| Return on Equity (ROE) | 14.8806% | 918 |
| Retained earnings to average equity (ytd only) | 14.8806% | 274 |
| Net charge-offs to loans | 0.0998% | 590 |
| Credit loss provision to net charge-offs | 417.8082% | 688 |
| Earnings coverage of net charge-offs (x) | 25.6986% | 1,459 |
| Efficiency ratio | 54.7734% | 3,887 |
| Assets per employee ($millions) | 5.3189% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,778 |
| Loan loss allowance to noncurrent loans | 206.5900% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 1,203 |
| Noncurrent loans to loans | 0.5727% | 1,472 |
| Net loans and leases to total assets | 81.6054% | 310 |
| Net loans and leases to deposits | 90.2283% | 704 |
| Net loans and leases to core deposits | 115.6865% | 251 |
| Total domestic deposits to total assets | 90.4433% | 1,496 |
| Equity capital to assets | 8.4658% | 2,789 |
| Core capital (leverage) ratio | 9.8340% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,030,000 | 3,192 |
| Average earning assets | $173,499,333 | 3,183 |
| Average equity | $17,338,000 | 3,290 |
| Average total loans | $146,293,000 | 2,682 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 162 |
| Cost of funding earning assets | 0.6709% | 180 |
| Net interest margin | 4.2915% | 240 |
| Noninterest income to average assets | 0.2337% | 3,743 |
| Noninterest expense to average assets | 2.3170% | 2,435 |
| Loan and lease loss provision to assets | 0.3034% | 205 |
| Net operating income to assets | 1.2734% | 1,064 |
| Return on assets (ROA) | 1.3057% | 983 |
| Pretax return on assets | 1.6361% | 779 |
| Return on Equity (ROE) | 13.3169% | 975 |
| Retained earnings to average equity (ytd only) | 13.3169% | 440 |
| Net charge-offs to loans | 0.2059% | 297 |
| Credit loss provision to net charge-offs | 192.8571% | 789 |
| Earnings coverage of net charge-offs (x) | 12.0714% | 1,425 |
| Efficiency ratio | 54.9574% | 3,981 |
| Assets per employee ($millions) | 5.2040% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,766 |
| Loan loss allowance to noncurrent loans | 135.2281% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 791 |
| Noncurrent loans to loans | 0.9005% | 1,029 |
| Net loans and leases to total assets | 78.2865% | 356 |
| Net loans and leases to deposits | 87.2248% | 665 |
| Net loans and leases to core deposits | 113.0279% | 207 |
| Total domestic deposits to total assets | 89.7525% | 1,690 |
| Equity capital to assets | 9.1372% | 2,595 |
| Core capital (leverage) ratio | 10.2186% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,985,500 | 3,274 |
| Average earning assets | $165,162,500 | 3,278 |
| Average equity | $17,451,500 | 3,364 |
| Average total loans | $135,982,000 | 2,785 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 160 |
| Cost of funding earning assets | 0.7717% | 230 |
| Net interest margin | 4.5644% | 238 |
| Noninterest income to average assets | 0.2886% | 3,665 |
| Noninterest expense to average assets | 2.6483% | 1,756 |
| Loan and lease loss provision to assets | 0.3508% | 211 |
| Net operating income to assets | 1.1323% | 2,167 |
| Return on assets (ROA) | 1.1365% | 2,208 |
| Pretax return on assets | 1.4721% | 1,809 |
| Return on Equity (ROE) | 9.8424% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.9819% | 1,925 |
| Net charge-offs to loans | 0.3529% | 240 |
| Credit loss provision to net charge-offs | 134.5178% | 1,553 |
| Earnings coverage of net charge-offs (x) | 6.9695% | 2,372 |
| Efficiency ratio | 59.3004% | 3,255 |
| Assets per employee ($millions) | 4.6841% | 3,979 |
| Cash dividends to net income (ytd only)* | 29.0623% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,884 |
| Loan loss allowance to noncurrent loans | 132.3462% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 777 |
| Noncurrent loans to loans | 1.0665% | 912 |
| Net loans and leases to total assets | 72.1996% | 828 |
| Net loans and leases to deposits | 81.9146% | 1,073 |
| Net loans and leases to core deposits | 108.1426% | 316 |
| Total domestic deposits to total assets | 88.1401% | 1,968 |
| Equity capital to assets | 10.5469% | 2,126 |
| Core capital (leverage) ratio | 10.6437% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6228% | 1,356 |
| Memoranda: | ||
| Average total assets | $151,080,800 | 3,474 |
| Average earning assets | $138,265,400 | 3,494 |
| Average equity | $17,445,000 | 3,432 |
| Average total loans | $111,650,800 | 3,051 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 157 |
| Cost of funding earning assets | 0.7870% | 258 |
| Net interest margin | 4.6511% | 240 |
| Noninterest income to average assets | 0.2963% | 3,672 |
| Noninterest expense to average assets | 2.5413% | 1,998 |
| Loan and lease loss provision to assets | 0.3456% | 206 |
| Net operating income to assets | 1.2265% | 2,079 |
| Return on assets (ROA) | 1.2316% | 2,119 |
| Pretax return on assets | 1.6596% | 1,521 |
| Return on Equity (ROE) | 10.4068% | 2,590 |
| Retained earnings to average equity (ytd only) | 10.4068% | 1,195 |
| Net charge-offs to loans | 0.2748% | 295 |
| Credit loss provision to net charge-offs | 169.6429% | 1,286 |
| Earnings coverage of net charge-offs (x) | 9.8170% | 2,062 |
| Efficiency ratio | 55.9760% | 3,534 |
| Assets per employee ($millions) | 4.7106% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 1,586 |
| Loan loss allowance to noncurrent loans | 168.0000% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 1,053 |
| Noncurrent loans to loans | 0.9006% | 1,281 |
| Net loans and leases to total assets | 71.6969% | 897 |
| Net loans and leases to deposits | 82.8026% | 1,044 |
| Net loans and leases to core deposits | 110.5869% | 313 |
| Total domestic deposits to total assets | 86.5877% | 2,511 |
| Equity capital to assets | 11.2576% | 1,850 |
| Core capital (leverage) ratio | 11.4955% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5108% | 1,048 |
| Memoranda: | ||
| Average total assets | $146,694,250 | 3,552 |
| Average earning assets | $133,842,250 | 3,578 |
| Average equity | $17,360,000 | 3,481 |
| Average total loans | $108,690,750 | 3,135 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 166 |
| Cost of funding earning assets | 0.8056% | 287 |
| Net interest margin | 4.7236% | 249 |
| Noninterest income to average assets | 0.3052% | 3,606 |
| Noninterest expense to average assets | 2.5526% | 1,985 |
| Loan and lease loss provision to assets | 0.3375% | 228 |
| Net operating income to assets | 1.2692% | 1,956 |
| Return on assets (ROA) | 1.2770% | 2,006 |
| Pretax return on assets | 1.7130% | 1,451 |
| Return on Equity (ROE) | 10.5972% | 2,558 |
| Retained earnings to average equity (ytd only) | 10.5972% | 1,219 |
| Net charge-offs to loans | 0.4300% | 196 |
| Credit loss provision to net charge-offs | 105.2632% | 1,333 |
| Earnings coverage of net charge-offs (x) | 6.3640% | 1,961 |
| Efficiency ratio | 55.5726% | 3,596 |
| Assets per employee ($millions) | 4.7248% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 2,232 |
| Loan loss allowance to noncurrent loans | 154.6323% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 1,089 |
| Noncurrent loans to loans | 0.8682% | 1,415 |
| Net loans and leases to total assets | 78.6871% | 395 |
| Net loans and leases to deposits | 91.3945% | 572 |
| Net loans and leases to core deposits | 123.7528% | 180 |
| Total domestic deposits to total assets | 86.0961% | 2,708 |
| Equity capital to assets | 11.6221% | 1,559 |
| Core capital (leverage) ratio | 11.6675% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5180% | 1,224 |
| Memoranda: | ||
| Average total assets | $142,206,000 | 3,611 |
| Average earning assets | $129,095,667 | 3,636 |
| Average equity | $17,136,667 | 3,499 |
| Average total loans | $106,056,667 | 3,180 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 257 |
| Cost of funding earning assets | 0.8467% | 286 |
| Net interest margin | 4.3866% | 439 |
| Noninterest income to average assets | 0.2934% | 3,647 |
| Noninterest expense to average assets | 2.2046% | 3,097 |
| Loan and lease loss provision to assets | 0.3486% | 240 |
| Net operating income to assets | 1.2170% | 2,079 |
| Return on assets (ROA) | 1.2170% | 2,167 |
| Pretax return on assets | 1.6527% | 1,598 |
| Return on Equity (ROE) | 9.9060% | 2,724 |
| Retained earnings to average equity (ytd only) | 9.9060% | 1,674 |
| Net charge-offs to loans | 0.8543% | 93 |
| Credit loss provision to net charge-offs | 56.8720% | 1,287 |
| Earnings coverage of net charge-offs (x) | 3.2654% | 1,771 |
| Efficiency ratio | 52.4171% | 3,964 |
| Assets per employee ($millions) | 4.6406% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,615 |
| Loan loss allowance to noncurrent loans | 188.9166% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 1,398 |
| Noncurrent loans to loans | 0.7931% | 1,667 |
| Net loans and leases to total assets | 69.3302% | 1,376 |
| Net loans and leases to deposits | 80.7881% | 1,446 |
| Net loans and leases to core deposits | 104.3558% | 563 |
| Total domestic deposits to total assets | 85.8173% | 2,803 |
| Equity capital to assets | 11.8429% | 1,364 |
| Core capital (leverage) ratio | 12.0743% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8488% | 693 |
| Memoranda: | ||
| Average total assets | $137,711,500 | 3,665 |
| Average earning assets | $122,830,000 | 3,708 |
| Average equity | $16,919,000 | 3,515 |
| Average total loans | $98,790,000 | 3,275 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4953% | 191 |
| Cost of funding earning assets | 1.2143% | 262 |
| Net interest margin | 4.2810% | 528 |
| Noninterest income to average assets | 0.3497% | 3,369 |
| Noninterest expense to average assets | 2.3602% | 3,242 |
| Loan and lease loss provision to assets | 0.4660% | 583 |
| Net operating income to assets | 1.1556% | 1,701 |
| Return on assets (ROA) | 1.1638% | 1,785 |
| Pretax return on assets | 1.5047% | 1,317 |
| Return on Equity (ROE) | 9.9179% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.4876% | 1,200 |
| Net charge-offs to loans | 0.2822% | 609 |
| Credit loss provision to net charge-offs | 225.8687% | 2,042 |
| Earnings coverage of net charge-offs (x) | 9.5019% | 2,515 |
| Efficiency ratio | 54.6276% | 4,141 |
| Assets per employee ($millions) | 4.5880% | 3,824 |
| Cash dividends to net income (ytd only)* | 24.5038% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 1,109 |
| Loan loss allowance to noncurrent loans | 180.1570% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 1,359 |
| Noncurrent loans to loans | 0.9260% | 1,518 |
| Net loans and leases to total assets | 73.7314% | 1,061 |
| Net loans and leases to deposits | 84.9102% | 1,372 |
| Net loans and leases to core deposits | 126.2180% | 236 |
| Total domestic deposits to total assets | 86.8345% | 2,016 |
| Equity capital to assets | 13.0783% | 1,060 |
| Core capital (leverage) ratio | 12.3260% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9686% | 662 |
| Memoranda: | ||
| Average total assets | $125,538,800 | 3,680 |
| Average earning assets | $116,444,400 | 3,675 |
| Average equity | $14,731,000 | 3,674 |
| Average total loans | $91,765,000 | 3,374 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5048% | 226 |
| Cost of funding earning assets | 1.2564% | 300 |
| Net interest margin | 4.2485% | 660 |
| Noninterest income to average assets | 0.3173% | 3,588 |
| Noninterest expense to average assets | 2.1622% | 3,775 |
| Loan and lease loss provision to assets | 0.5288% | 535 |
| Net operating income to assets | 1.2803% | 1,398 |
| Return on assets (ROA) | 1.2916% | 1,478 |
| Pretax return on assets | 1.5885% | 1,217 |
| Return on Equity (ROE) | 11.3410% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.3410% | 515 |
| Net charge-offs to loans | 0.0853% | 1,458 |
| Credit loss provision to net charge-offs | 853.4483% | 934 |
| Earnings coverage of net charge-offs (x) | 33.9483% | 1,488 |
| Efficiency ratio | 50.6887% | 4,449 |
| Assets per employee ($millions) | 5.0067% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 712 |
| Loan loss allowance to noncurrent loans | 241.6315% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 1,907 |
| Noncurrent loans to loans | 0.7469% | 1,937 |
| Net loans and leases to total assets | 71.8108% | 1,694 |
| Net loans and leases to deposits | 85.6427% | 1,744 |
| Net loans and leases to core deposits | 128.3964% | 264 |
| Total domestic deposits to total assets | 83.8493% | 2,865 |
| Equity capital to assets | 12.7537% | 1,305 |
| Core capital (leverage) ratio | 12.2980% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4010% | 990 |
| Memoranda: | ||
| Average total assets | $124,807,250 | 3,683 |
| Average earning assets | $115,992,250 | 3,664 |
| Average equity | $14,213,500 | 3,732 |
| Average total loans | $90,624,750 | 3,400 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5643% | 301 |
| Cost of funding earning assets | 1.3199% | 334 |
| Net interest margin | 4.2444% | 836 |
| Noninterest income to average assets | 0.3365% | 3,458 |
| Noninterest expense to average assets | 2.1802% | 3,853 |
| Loan and lease loss provision to assets | 0.6584% | 439 |
| Net operating income to assets | 1.1745% | 1,711 |
| Return on assets (ROA) | 1.1771% | 1,840 |
| Pretax return on assets | 1.4746% | 1,516 |
| Return on Equity (ROE) | 10.7920% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.7920% | 640 |
| Net charge-offs to loans | 0.1077% | 1,218 |
| Credit loss provision to net charge-offs | 843.7500% | 882 |
| Earnings coverage of net charge-offs (x) | 27.2917% | 1,495 |
| Efficiency ratio | 50.5847% | 4,467 |
| Assets per employee ($millions) | 5.1836% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 750 |
| Loan loss allowance to noncurrent loans | 347.0339% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,602 |
| Noncurrent loans to loans | 0.5012% | 2,647 |
| Net loans and leases to total assets | 71.4135% | 1,814 |
| Net loans and leases to deposits | 86.3203% | 1,728 |
| Net loans and leases to core deposits | 130.2391% | 253 |
| Total domestic deposits to total assets | 82.7308% | 3,171 |
| Equity capital to assets | 12.4818% | 1,384 |
| Core capital (leverage) ratio | 12.2907% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1282% | 759 |
| Memoranda: | ||
| Average total assets | $123,018,333 | 3,687 |
| Average earning assets | $115,163,000 | 3,661 |
| Average equity | $13,417,333 | 3,829 |
| Average total loans | $89,100,667 | 3,430 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 673 |
| Cost of funding earning assets | 1.3912% | 411 |
| Net interest margin | 3.7992% | 1,974 |
| Noninterest income to average assets | 0.2840% | 3,823 |
| Noninterest expense to average assets | 2.0713% | 4,275 |
| Loan and lease loss provision to assets | 1.0523% | 199 |
| Net operating income to assets | 0.4624% | 3,988 |
| Return on assets (ROA) | 0.4677% | 4,033 |
| Pretax return on assets | 0.7617% | 3,517 |
| Return on Equity (ROE) | 4.6517% | 3,763 |
| Retained earnings to average equity (ytd only) | 4.6517% | 2,435 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4022% | 4,443 |
| Assets per employee ($millions) | 5.3115% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 713 |
| Loan loss allowance to noncurrent loans | 107.7650% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2778% | 924 |
| Noncurrent loans to loans | 1.6654% | 923 |
| Net loans and leases to total assets | 71.4859% | 2,003 |
| Net loans and leases to deposits | 84.7231% | 2,136 |
| Net loans and leases to core deposits | 131.6897% | 245 |
| Total domestic deposits to total assets | 84.3759% | 2,643 |
| Equity capital to assets | 10.9099% | 2,937 |
| Core capital (leverage) ratio | 11.0909% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,733,000 | 3,705 |
| Average earning assets | $113,286,000 | 3,660 |
| Average equity | $12,038,500 | 3,994 |
| Average total loans | $86,560,000 | 3,468 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 813 |
| Cost of funding earning assets | 1.4092% | 547 |
| Net interest margin | 3.8945% | 2,194 |
| Noninterest income to average assets | 0.2529% | 4,164 |
| Noninterest expense to average assets | 2.1696% | 4,225 |
| Loan and lease loss provision to assets | 0.4841% | 267 |
| Net operating income to assets | 1.1074% | 2,413 |
| Return on assets (ROA) | 1.1074% | 2,507 |
| Pretax return on assets | 1.3245% | 2,418 |
| Return on Equity (ROE) | 11.6893% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.5901% | 275 |
| Net charge-offs to loans | 0.0407% | 2,576 |
| Credit loss provision to net charge-offs | 1,775.8621% | 211 |
| Earnings coverage of net charge-offs (x) | 66.3448% | 916 |
| Efficiency ratio | 54.5369% | 4,373 |
| Assets per employee ($millions) | 5.5724% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.8489% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,601 |
| Loan loss allowance to noncurrent loans | 199.3915% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 2,451 |
| Noncurrent loans to loans | 0.5856% | 2,427 |
| Net loans and leases to total assets | 71.1084% | 2,233 |
| Net loans and leases to deposits | 84.2660% | 2,306 |
| Net loans and leases to core deposits | 131.1339% | 259 |
| Total domestic deposits to total assets | 84.3856% | 2,725 |
| Equity capital to assets | 9.4403% | 4,394 |
| Core capital (leverage) ratio | 9.5149% | 4,045 |
| Tier 1 risk-based capital ratio | 11.9292% | 4,399 |
| Total risk-based capital ratio | 12.9987% | 4,377 |
| Memoranda: | ||
| Average total assets | $106,379,400 | 3,888 |
| Average earning assets | $101,758,000 | 3,841 |
| Average equity | $10,077,600 | 4,230 |
| Average total loans | $71,303,000 | 3,752 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 1,012 |
| Cost of funding earning assets | 1.3973% | 582 |
| Net interest margin | 3.8180% | 2,536 |
| Noninterest income to average assets | 0.2365% | 4,320 |
| Noninterest expense to average assets | 2.1828% | 4,213 |
| Loan and lease loss provision to assets | 0.2764% | 554 |
| Net operating income to assets | 1.2354% | 2,081 |
| Return on assets (ROA) | 1.2354% | 2,157 |
| Pretax return on assets | 1.4269% | 2,199 |
| Return on Equity (ROE) | 13.0276% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.8921% | 296 |
| Net charge-offs to loans | 0.0333% | 2,404 |
| Credit loss provision to net charge-offs | 1,264.7059% | 287 |
| Earnings coverage of net charge-offs (x) | 77.9277% | 875 |
| Efficiency ratio | 56.1694% | 4,155 |
| Assets per employee ($millions) | 5.9243% | 1,656 |
| Cash dividends to net income (ytd only)* | 1.0403% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,062 |
| Loan loss allowance to noncurrent loans | 100.8708% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 1,987 |
| Noncurrent loans to loans | 0.8875% | 1,806 |
| Net loans and leases to total assets | 68.3526% | 2,738 |
| Net loans and leases to deposits | 79.1228% | 2,997 |
| Net loans and leases to core deposits | 120.1233% | 534 |
| Total domestic deposits to total assets | 86.3879% | 1,827 |
| Equity capital to assets | 9.6071% | 4,379 |
| Core capital (leverage) ratio | 9.7597% | 3,896 |
| Tier 1 risk-based capital ratio | 13.8444% | 3,403 |
| Total risk-based capital ratio | 14.7397% | 3,485 |
| Memoranda: | ||
| Average total assets | $103,719,250 | 3,986 |
| Average earning assets | $99,142,500 | 3,925 |
| Average equity | $9,835,250 | 4,306 |
| Average total loans | $68,080,250 | 3,855 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 1,039 |
| Cost of funding earning assets | 1.3537% | 632 |
| Net interest margin | 3.8179% | 2,529 |
| Noninterest income to average assets | 0.2263% | 4,392 |
| Noninterest expense to average assets | 2.2844% | 4,041 |
| Loan and lease loss provision to assets | 0.2481% | 623 |
| Net operating income to assets | 1.1114% | 2,483 |
| Return on assets (ROA) | 1.1114% | 2,551 |
| Pretax return on assets | 1.3377% | 2,420 |
| Return on Equity (ROE) | 11.7783% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.7783% | 432 |
| Net charge-offs to loans | 0.0247% | 2,358 |
| Credit loss provision to net charge-offs | 1,562.5000% | 234 |
| Earnings coverage of net charge-offs (x) | 99.8750% | 697 |
| Efficiency ratio | 59.0256% | 3,854 |
| Assets per employee ($millions) | 5.1340% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,286 |
| Loan loss allowance to noncurrent loans | 112.2711% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 2,273 |
| Noncurrent loans to loans | 0.7525% | 2,103 |
| Net loans and leases to total assets | 66.7350% | 3,014 |
| Net loans and leases to deposits | 77.3945% | 3,205 |
| Net loans and leases to core deposits | 120.9471% | 517 |
| Total domestic deposits to total assets | 86.2271% | 1,922 |
| Equity capital to assets | 9.5378% | 4,368 |
| Core capital (leverage) ratio | 9.9461% | 3,643 |
| Tier 1 risk-based capital ratio | 15.8154% | 2,495 |
| Total risk-based capital ratio | 16.7514% | 2,553 |
| Memoranda: | ||
| Average total assets | $100,771,670 | 4,058 |
| Average earning assets | $96,178,330 | 4,002 |
| Average equity | $9,509,000 | 4,369 |
| Average total loans | $64,895,670 | 3,958 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 986 |
| Cost of funding earning assets | 1.3166% | 630 |
| Net interest margin | 3.8415% | 2,376 |
| Noninterest income to average assets | 0.2221% | 4,410 |
| Noninterest expense to average assets | 2.3815% | 3,819 |
| Loan and lease loss provision to assets | 0.2303% | 661 |
| Net operating income to assets | 1.0776% | 2,554 |
| Return on assets (ROA) | 1.0776% | 2,602 |
| Pretax return on assets | 1.2586% | 2,595 |
| Return on Equity (ROE) | 11.4887% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.4887% | 705 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5303% | 3,604 |
| Assets per employee ($millions) | 4.7414% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,301 |
| Loan loss allowance to noncurrent loans | 178.7097% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 3,013 |
| Noncurrent loans to loans | 0.4811% | 2,868 |
| Net loans and leases to total assets | 64.1565% | 3,268 |
| Net loans and leases to deposits | 76.2710% | 3,234 |
| Net loans and leases to core deposits | 120.4170% | 517 |
| Total domestic deposits to total assets | 84.1165% | 3,005 |
| Equity capital to assets | 9.6476% | 4,133 |
| Core capital (leverage) ratio | 10.4598% | 3,091 |
| Tier 1 risk-based capital ratio | 16.7882% | 2,174 |
| Total risk-based capital ratio | 17.7128% | 2,225 |
| Memoranda: | ||
| Average total assets | $97,251,000 | 4,144 |
| Average earning assets | $92,359,000 | 4,105 |
| Average equity | $9,122,000 | 4,447 |
| Average total loans | $61,062,500 | 4,068 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 2,592 |
| Cost of funding earning assets | 0.8818% | 1,168 |
| Net interest margin | 3.5732% | 3,476 |
| Noninterest income to average assets | 0.1859% | 4,799 |
| Noninterest expense to average assets | 2.1065% | 4,550 |
| Loan and lease loss provision to assets | 0.2539% | 671 |
| Net operating income to assets | 1.2077% | 2,131 |
| Return on assets (ROA) | 0.7423% | 4,000 |
| Pretax return on assets | 0.7520% | 4,286 |
| Return on Equity (ROE) | 7.2280% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.9323% | 1,702 |
| Net charge-offs to loans | 0.1115% | 1,637 |
| Credit loss provision to net charge-offs | 464.4444% | 741 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,704 |
| Efficiency ratio | 58.7996% | 4,037 |
| Assets per employee ($millions) | 4.9965% | 2,509 |
| Cash dividends to net income (ytd only)* | 4.0917% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 4,315 |
| Loan loss allowance to noncurrent loans | 47.6555% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 1,107 |
| Noncurrent loans to loans | 1.8114% | 780 |
| Net loans and leases to total assets | 60.2456% | 3,748 |
| Net loans and leases to deposits | 70.5982% | 3,785 |
| Net loans and leases to core deposits | 103.9986% | 1,414 |
| Total domestic deposits to total assets | 85.3360% | 2,495 |
| Equity capital to assets | 9.0990% | 4,489 |
| Core capital (leverage) ratio | 10.6778% | 2,856 |
| Tier 1 risk-based capital ratio | 17.9723% | 1,758 |
| Total risk-based capital ratio | 18.8860% | 1,817 |
| Memoranda: | ||
| Average total assets | $82,316,400 | 4,393 |
| Average earning assets | $78,248,200 | 4,342 |
| Average equity | $8,453,200 | 4,536 |
| Average total loans | $40,353,000 | 4,543 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,240 |
| Cost of funding earning assets | 0.7812% | 1,425 |
| Net interest margin | 3.4407% | 3,893 |
| Noninterest income to average assets | 0.2004% | 4,771 |
| Noninterest expense to average assets | 2.1137% | 4,518 |
| Loan and lease loss provision to assets | 0.2274% | 717 |
| Net operating income to assets | 0.9016% | 3,525 |
| Return on assets (ROA) | 0.3840% | 4,981 |
| Pretax return on assets | 0.4901% | 4,915 |
| Return on Equity (ROE) | 3.6159% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.2195% | 4,136 |
| Net charge-offs to loans | 0.1222% | 1,289 |
| Credit loss provision to net charge-offs | 409.0909% | 811 |
| Earnings coverage of net charge-offs (x) | 24.6964% | 1,804 |
| Efficiency ratio | 60.6280% | 3,720 |
| Assets per employee ($millions) | 4.4614% | 3,180 |
| Cash dividends to net income (ytd only)* | 10.9642% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 4,404 |
| Loan loss allowance to noncurrent loans | 72.7880% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 1,802 |
| Noncurrent loans to loans | 1.1853% | 1,428 |
| Net loans and leases to total assets | 59.1039% | 3,941 |
| Net loans and leases to deposits | 66.1334% | 4,187 |
| Net loans and leases to core deposits | 94.2598% | 2,261 |
| Total domestic deposits to total assets | 89.3707% | 713 |
| Equity capital to assets | 9.4271% | 4,158 |
| Core capital (leverage) ratio | 11.4405% | 2,219 |
| Tier 1 risk-based capital ratio | 19.7193% | 1,397 |
| Total risk-based capital ratio | 20.6327% | 1,426 |
| Memoranda: | ||
| Average total assets | $79,162,250 | 4,488 |
| Average earning assets | $75,604,000 | 4,433 |
| Average equity | $8,407,000 | 4,590 |
| Average total loans | $36,018,500 | 4,707 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,440 |
| Cost of funding earning assets | 0.6995% | 1,626 |
| Net interest margin | 3.0647% | 4,789 |
| Noninterest income to average assets | 0.3985% | 3,499 |
| Noninterest expense to average assets | 2.1036% | 4,599 |
| Loan and lease loss provision to assets | 0.2329% | 686 |
| Net operating income to assets | 0.8668% | 3,597 |
| Return on assets (ROA) | -0.1397% | 5,385 |
| Pretax return on assets | -0.0311% | 5,348 |
| Return on Equity (ROE) | -1.2638% | 5,386 |
| Retained earnings to average equity (ytd only) | -1.8489% | 5,135 |
| Net charge-offs to loans | 0.2117% | 747 |
| Credit loss provision to net charge-offs | 272.7273% | 1,082 |
| Earnings coverage of net charge-offs (x) | 14.1515% | 2,114 |
| Efficiency ratio | 63.5156% | 3,382 |
| Assets per employee ($millions) | 6.3722% | 1,225 |
| Cash dividends to net income (ytd only)* | -46.2963% | 5,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 4,039 |
| Loan loss allowance to noncurrent loans | 73.3583% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 1,961 |
| Noncurrent loans to loans | 1.3159% | 1,299 |
| Net loans and leases to total assets | 48.4246% | 4,700 |
| Net loans and leases to deposits | 53.7988% | 4,853 |
| Net loans and leases to core deposits | 76.7042% | 3,683 |
| Total domestic deposits to total assets | 90.0106% | 571 |
| Equity capital to assets | 9.7673% | 3,856 |
| Core capital (leverage) ratio | 11.5946% | 1,987 |
| Tier 1 risk-based capital ratio | 20.5292% | 1,246 |
| Total risk-based capital ratio | 21.4082% | 1,270 |
| Memoranda: | ||
| Average total assets | $77,294,330 | 4,565 |
| Average earning assets | $73,481,000 | 4,514 |
| Average equity | $8,545,670 | 4,603 |
| Average total loans | $31,179,330 | 4,896 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5423% | 4,804 |
| Cost of funding earning assets | 0.5997% | 2,055 |
| Net interest margin | 2.9426% | 4,969 |
| Noninterest income to average assets | 0.3221% | 4,001 |
| Noninterest expense to average assets | 2.0504% | 4,757 |
| Loan and lease loss provision to assets | 0.2415% | 632 |
| Net operating income to assets | 0.7353% | 3,963 |
| Return on assets (ROA) | 0.7353% | 3,968 |
| Pretax return on assets | 0.8481% | 4,021 |
| Return on Equity (ROE) | 6.2464% | 4,080 |
| Retained earnings to average equity (ytd only) | 6.2464% | 2,608 |
| Net charge-offs to loans | 0.4525% | 336 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 6.7667% | 2,140 |
| Efficiency ratio | 65.2991% | 3,278 |
| Assets per employee ($millions) | 5.9262% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,083 |
| Loan loss allowance to noncurrent loans | 62.2540% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 1,861 |
| Noncurrent loans to loans | 1.8503% | 892 |
| Net loans and leases to total assets | 38.7625% | 5,113 |
| Net loans and leases to deposits | 43.7797% | 5,163 |
| Net loans and leases to core deposits | 53.4174% | 4,933 |
| Total domestic deposits to total assets | 88.5399% | 1,333 |
| Equity capital to assets | 11.2823% | 2,319 |
| Core capital (leverage) ratio | 12.7750% | 1,260 |
| Tier 1 risk-based capital ratio | 26.0695% | 682 |
| Total risk-based capital ratio | 27.0400% | 684 |
| Memoranda: | ||
| Average total assets | $74,522,500 | 4,666 |
| Average earning assets | $71,366,500 | 4,612 |
| Average equity | $8,773,000 | 4,613 |
| Average total loans | $26,516,500 | 5,063 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 4,557 |
| Cost of funding earning assets | 0.6701% | 1,182 |
| Net interest margin | 2.9388% | 4,989 |
| Noninterest income to average assets | 0.1287% | 5,300 |
| Noninterest expense to average assets | 1.8750% | 5,150 |
| Loan and lease loss provision to assets | 0.2954% | 585 |
| Net operating income to assets | 0.6321% | 3,884 |
| Return on assets (ROA) | 0.8272% | 3,087 |
| Pretax return on assets | 0.9244% | 3,827 |
| Return on Equity (ROE) | 7.0476% | 3,250 |
| Retained earnings to average equity (ytd only) | 0.3356% | 4,890 |
| Net charge-offs to loans | 0.2209% | 1,174 |
| Credit loss provision to net charge-offs | 450.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 15.2400% | 2,258 |
| Efficiency ratio | 65.2055% | 3,405 |
| Assets per employee ($millions) | 6.5458% | 1,187 |
| Cash dividends to net income (ytd only)* | 95.2381% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 1,551 |
| Loan loss allowance to noncurrent loans | 75.6818% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 1,826 |
| Noncurrent loans to loans | 1.9280% | 802 |
| Net loans and leases to total assets | 31.2330% | 5,409 |
| Net loans and leases to deposits | 35.6589% | 5,437 |
| Net loans and leases to core deposits | 43.4301% | 5,310 |
| Total domestic deposits to total assets | 87.5882% | 1,711 |
| Equity capital to assets | 12.2965% | 1,643 |
| Core capital (leverage) ratio | 12.3767% | 1,410 |
| Tier 1 risk-based capital ratio | 30.9601% | 419 |
| Total risk-based capital ratio | 32.0795% | 423 |
| Memoranda: | ||
| Average total assets | $76,158,000 | 4,668 |
| Average earning assets | $71,185,200 | 4,646 |
| Average equity | $8,939,200 | 4,624 |
| Average total loans | $22,632,200 | 5,236 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,611 |
| Cost of funding earning assets | 0.6836% | 1,051 |
| Net interest margin | 2.8957% | 5,091 |
| Noninterest income to average assets | 0.2902% | 4,456 |
| Noninterest expense to average assets | 1.6978% | 5,367 |
| Loan and lease loss provision to assets | 0.1036% | 2,040 |
| Net operating income to assets | 1.0512% | 2,324 |
| Return on assets (ROA) | 1.2695% | 1,465 |
| Pretax return on assets | 1.4335% | 1,998 |
| Return on Equity (ROE) | 10.9367% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.4968% | 3,835 |
| Net charge-offs to loans | 0.1181% | 1,607 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 37.3945% | 1,366 |
| Efficiency ratio | 56.7880% | 4,635 |
| Assets per employee ($millions) | 6.8281% | 1,017 |
| Cash dividends to net income (ytd only)* | 68.0269% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,740 |
| Loan loss allowance to noncurrent loans | 30.9859% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1676% | 1,413 |
| Noncurrent loans to loans | 2.7588% | 504 |
| Net loans and leases to total assets | 30.5742% | 5,485 |
| Net loans and leases to deposits | 34.9896% | 5,511 |
| Net loans and leases to core deposits | 42.2389% | 5,411 |
| Total domestic deposits to total assets | 87.3810% | 1,681 |
| Equity capital to assets | 12.3607% | 1,738 |
| Core capital (leverage) ratio | 12.3479% | 1,486 |
| Tier 1 risk-based capital ratio | 31.9904% | 418 |
| Total risk-based capital ratio | 32.6630% | 429 |
| Memoranda: | ||
| Average total assets | $77,196,500 | 4,693 |
| Average earning assets | $71,968,250 | 4,666 |
| Average equity | $8,960,500 | 4,668 |
| Average total loans | $22,584,750 | 5,294 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,565 |
| Cost of funding earning assets | 0.7103% | 845 |
| Net interest margin | 2.8689% | 5,143 |
| Noninterest income to average assets | 0.2157% | 4,962 |
| Noninterest expense to average assets | 1.6638% | 5,442 |
| Loan and lease loss provision to assets | 0.1541% | 1,304 |
| Net operating income to assets | 0.9243% | 2,784 |
| Return on assets (ROA) | 1.1683% | 1,750 |
| Pretax return on assets | 1.3300% | 2,270 |
| Return on Equity (ROE) | 10.2794% | 1,919 |
| Retained earnings to average equity (ytd only) | -1.0166% | 5,235 |
| Net charge-offs to loans | 0.1518% | 1,244 |
| Credit loss provision to net charge-offs | 352.9412% | 864 |
| Earnings coverage of net charge-offs (x) | 27.6471% | 1,534 |
| Efficiency ratio | 57.9606% | 4,593 |
| Assets per employee ($millions) | 7.1503% | 868 |
| Cash dividends to net income (ytd only)* | 109.8901% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 4,782 |
| Loan loss allowance to noncurrent loans | 30.2256% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3731% | 1,154 |
| Noncurrent loans to loans | 2.8519% | 473 |
| Net loans and leases to total assets | 29.3911% | 5,557 |
| Net loans and leases to deposits | 33.3396% | 5,583 |
| Net loans and leases to core deposits | 39.7910% | 5,506 |
| Total domestic deposits to total assets | 88.1568% | 1,379 |
| Equity capital to assets | 11.5749% | 2,250 |
| Core capital (leverage) ratio | 11.6336% | 1,875 |
| Tier 1 risk-based capital ratio | 29.6903% | 479 |
| Total risk-based capital ratio | 30.3435% | 498 |
| Memoranda: | ||
| Average total assets | $77,892,330 | 4,705 |
| Average earning assets | $72,084,000 | 4,696 |
| Average equity | $8,852,670 | 4,707 |
| Average total loans | $22,392,330 | 5,340 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5978% | 4,426 |
| Cost of funding earning assets | 0.7621% | 611 |
| Net interest margin | 2.8356% | 5,190 |
| Noninterest income to average assets | 0.1651% | 5,284 |
| Noninterest expense to average assets | 1.6565% | 5,511 |
| Loan and lease loss provision to assets | 0.1548% | 1,179 |
| Net operating income to assets | 0.8606% | 2,941 |
| Return on assets (ROA) | 1.3520% | 1,148 |
| Pretax return on assets | 1.5172% | 1,482 |
| Return on Equity (ROE) | 12.0087% | 1,236 |
| Retained earnings to average equity (ytd only) | -10.9087% | 5,598 |
| Net charge-offs to loans | 0.2918% | 627 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 13.5625% | 1,773 |
| Efficiency ratio | 59.6654% | 4,501 |
| Assets per employee ($millions) | 7.1065% | 900 |
| Cash dividends to net income (ytd only)* | 190.8397% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 5,136 |
| Loan loss allowance to noncurrent loans | 30.4965% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 1,388 |
| Noncurrent loans to loans | 2.5356% | 614 |
| Net loans and leases to total assets | 28.2343% | 5,626 |
| Net loans and leases to deposits | 31.8173% | 5,655 |
| Net loans and leases to core deposits | 37.9546% | 5,576 |
| Total domestic deposits to total assets | 88.7388% | 1,294 |
| Equity capital to assets | 11.0796% | 2,554 |
| Core capital (leverage) ratio | 11.5496% | 1,908 |
| Tier 1 risk-based capital ratio | 28.5751% | 527 |
| Total risk-based capital ratio | 29.1246% | 553 |
| Memoranda: | ||
| Average total assets | $77,512,000 | 4,759 |
| Average earning assets | $71,377,500 | 4,757 |
| Average equity | $8,727,000 | 4,763 |
| Average total loans | $21,929,500 | 5,409 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,420 |
| Cost of funding earning assets | 0.8509% | 389 |
| Net interest margin | 2.7847% | 5,316 |
| Noninterest income to average assets | 0.1849% | 5,288 |
| Noninterest expense to average assets | 1.8194% | 5,457 |
| Loan and lease loss provision to assets | 0.0517% | 3,354 |
| Net operating income to assets | 0.7039% | 3,763 |
| Return on assets (ROA) | 0.7590% | 3,608 |
| Pretax return on assets | 0.9608% | 3,615 |
| Return on Equity (ROE) | 6.3856% | 3,797 |
| Retained earnings to average equity (ytd only) | 2.0342% | 4,382 |
| Net charge-offs to loans | 0.8283% | 240 |
| Credit loss provision to net charge-offs | 20.8333% | 3,670 |
| Earnings coverage of net charge-offs (x) | 3.7969% | 3,608 |
| Efficiency ratio | 65.8708% | 3,609 |
| Assets per employee ($millions) | 6.4044% | 1,200 |
| Cash dividends to net income (ytd only)* | 68.1431% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 5,290 |
| Loan loss allowance to noncurrent loans | 21.4092% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.4925% | 1,122 |
| Noncurrent loans to loans | 3.4141% | 360 |
| Net loans and leases to total assets | 27.9208% | 5,684 |
| Net loans and leases to deposits | 31.5661% | 5,718 |
| Net loans and leases to core deposits | 37.9895% | 5,636 |
| Total domestic deposits to total assets | 88.4520% | 1,405 |
| Equity capital to assets | 11.4413% | 2,217 |
| Core capital (leverage) ratio | 11.8847% | 1,676 |
| Tier 1 risk-based capital ratio | 30.8178% | 451 |
| Total risk-based capital ratio | 31.3482% | 472 |
| Memoranda: | ||
| Average total assets | $77,333,800 | 4,783 |
| Average earning assets | $71,570,000 | 4,765 |
| Average equity | $9,192,600 | 4,715 |
| Average total loans | $23,180,400 | 5,413 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,463 |
| Cost of funding earning assets | 0.8538% | 371 |
| Net interest margin | 2.7780% | 5,391 |
| Noninterest income to average assets | 0.1859% | 5,347 |
| Noninterest expense to average assets | 1.8195% | 5,494 |
| Loan and lease loss provision to assets | 0.0172% | 3,899 |
| Net operating income to assets | 0.7812% | 3,449 |
| Return on assets (ROA) | 0.8521% | 3,267 |
| Pretax return on assets | 1.0156% | 3,579 |
| Return on Equity (ROE) | 7.1023% | 3,508 |
| Retained earnings to average equity (ytd only) | 1.3630% | 4,963 |
| Net charge-offs to loans | 1.0690% | 154 |
| Credit loss provision to net charge-offs | 5.2910% | 3,391 |
| Earnings coverage of net charge-offs (x) | 2.9154% | 3,499 |
| Efficiency ratio | 65.7338% | 3,638 |
| Assets per employee ($millions) | 6.5644% | 1,066 |
| Cash dividends to net income (ytd only)* | 80.8085% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 5,632 |
| Loan loss allowance to noncurrent loans | 23.0228% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 1,517 |
| Noncurrent loans to loans | 2.5342% | 687 |
| Net loans and leases to total assets | 28.3371% | 5,748 |
| Net loans and leases to deposits | 32.5086% | 5,779 |
| Net loans and leases to core deposits | 39.0306% | 5,704 |
| Total domestic deposits to total assets | 87.1682% | 1,818 |
| Equity capital to assets | 12.2301% | 1,963 |
| Core capital (leverage) ratio | 11.5403% | 1,995 |
| Tier 1 risk-based capital ratio | 29.2007% | 517 |
| Total risk-based capital ratio | 29.6215% | 544 |
| Memoranda: | ||
| Average total assets | $77,454,000 | 4,823 |
| Average earning assets | $71,992,000 | 4,797 |
| Average equity | $9,292,500 | 4,743 |
| Average total loans | $23,571,500 | 5,458 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,334 |
| Cost of funding earning assets | 0.8752% | 325 |
| Net interest margin | 2.8131% | 5,403 |
| Noninterest income to average assets | 0.1844% | 5,392 |
| Noninterest expense to average assets | 1.8308% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8192% | 3,222 |
| Return on assets (ROA) | 0.9141% | 2,927 |
| Pretax return on assets | 1.0777% | 3,292 |
| Return on Equity (ROE) | 7.6700% | 3,163 |
| Retained earnings to average equity (ytd only) | -1.0459% | 5,444 |
| Net charge-offs to loans | 0.3258% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 2,415 |
| Efficiency ratio | 65.4596% | 3,768 |
| Assets per employee ($millions) | 6.6470% | 1,026 |
| Cash dividends to net income (ytd only)* | 113.6364% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 3,615 |
| Loan loss allowance to noncurrent loans | 19.8389% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 948 |
| Noncurrent loans to loans | 5.8187% | 132 |
| Net loans and leases to total assets | 29.0921% | 5,800 |
| Net loans and leases to deposits | 33.1500% | 5,838 |
| Net loans and leases to core deposits | 39.6355% | 5,758 |
| Total domestic deposits to total assets | 87.7589% | 1,547 |
| Equity capital to assets | 11.7522% | 2,312 |
| Core capital (leverage) ratio | 11.6370% | 1,882 |
| Tier 1 risk-based capital ratio | 25.6397% | 756 |
| Total risk-based capital ratio | 26.4162% | 782 |
| Memoranda: | ||
| Average total assets | $77,014,330 | 4,875 |
| Average earning assets | $71,522,670 | 4,848 |
| Average equity | $9,178,670 | 4,806 |
| Average total loans | $23,944,330 | 5,505 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 3,873 |
| Cost of funding earning assets | 0.8894% | 310 |
| Net interest margin | 2.9305% | 5,261 |
| Noninterest income to average assets | 0.1957% | 5,335 |
| Noninterest expense to average assets | 1.8720% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9007% | 2,748 |
| Return on assets (ROA) | 1.0894% | 2,046 |
| Pretax return on assets | 1.2586% | 2,476 |
| Return on Equity (ROE) | 9.0739% | 2,393 |
| Retained earnings to average equity (ytd only) | -8.5453% | 5,769 |
| Net charge-offs to loans | 0.2647% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.3125% | 1,804 |
| Efficiency ratio | 64.2468% | 4,084 |
| Assets per employee ($millions) | 6.3582% | 1,189 |
| Cash dividends to net income (ytd only)* | 194.1748% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,371 |
| Loan loss allowance to noncurrent loans | 24.0786% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 1.6920% | 1,147 |
| Noncurrent loans to loans | 5.0595% | 191 |
| Net loans and leases to total assets | 31.2446% | 5,795 |
| Net loans and leases to deposits | 35.6295% | 5,836 |
| Net loans and leases to core deposits | 42.7813% | 5,693 |
| Total domestic deposits to total assets | 87.6930% | 1,805 |
| Equity capital to assets | 11.8955% | 2,096 |
| Core capital (leverage) ratio | 11.6540% | 1,861 |
| Tier 1 risk-based capital ratio | 28.4215% | 582 |
| Total risk-based capital ratio | 29.3709% | 585 |
| Memoranda: | ||
| Average total assets | $75,639,500 | 4,945 |
| Average earning assets | $70,159,500 | 4,924 |
| Average equity | $9,081,000 | 4,848 |
| Average total loans | $24,178,500 | 5,546 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,710 |
| Cost of funding earning assets | 0.8794% | 318 |
| Net interest margin | 3.0189% | 5,090 |
| Noninterest income to average assets | 0.1834% | 5,497 |
| Noninterest expense to average assets | 1.8717% | 5,646 |
| Loan and lease loss provision to assets | 0.1063% | 2,213 |
| Net operating income to assets | 0.8878% | 2,942 |
| Return on assets (ROA) | 0.9398% | 2,736 |
| Pretax return on assets | 1.0808% | 3,149 |
| Return on Equity (ROE) | 7.9976% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.9976% | 917 |
| Net charge-offs to loans | 0.0567% | 3,084 |
| Credit loss provision to net charge-offs | 571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 60.5714% | 862 |
| Efficiency ratio | 62.4113% | 4,543 |
| Assets per employee ($millions) | 5.7678% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 3,015 |
| Loan loss allowance to noncurrent loans | 39.3401% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 1,889 |
| Noncurrent loans to loans | 3.2530% | 461 |
| Net loans and leases to total assets | 31.8934% | 5,841 |
| Net loans and leases to deposits | 36.5557% | 5,875 |
| Net loans and leases to core deposits | 43.8387% | 5,721 |
| Total domestic deposits to total assets | 87.2461% | 2,012 |
| Equity capital to assets | 12.1177% | 1,869 |
| Core capital (leverage) ratio | 11.8549% | 1,722 |
| Tier 1 risk-based capital ratio | 29.6180% | 524 |
| Total risk-based capital ratio | 30.6388% | 525 |
| Memoranda: | ||
| Average total assets | $75,225,000 | 4,964 |
| Average earning assets | $70,158,600 | 4,936 |
| Average equity | $8,840,200 | 4,885 |
| Average total loans | $24,684,200 | 5,565 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,822 |
| Cost of funding earning assets | 0.8728% | 336 |
| Net interest margin | 3.0048% | 5,179 |
| Noninterest income to average assets | 0.1877% | 5,535 |
| Noninterest expense to average assets | 1.9003% | 5,635 |
| Loan and lease loss provision to assets | 0.1417% | 1,567 |
| Net operating income to assets | 0.8057% | 3,404 |
| Return on assets (ROA) | 0.8147% | 3,451 |
| Pretax return on assets | 0.9670% | 3,756 |
| Return on Equity (ROE) | 6.9864% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.9864% | 1,694 |
| Net charge-offs to loans | 0.0161% | 3,629 |
| Credit loss provision to net charge-offs | 2,666.6667% | 134 |
| Earnings coverage of net charge-offs (x) | 206.6625% | 355 |
| Efficiency ratio | 63.3786% | 4,352 |
| Assets per employee ($millions) | 5.8632% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 3,029 |
| Loan loss allowance to noncurrent loans | 25.8662% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6281% | 1,356 |
| Noncurrent loans to loans | 5.0684% | 202 |
| Net loans and leases to total assets | 31.7021% | 5,933 |
| Net loans and leases to deposits | 36.1547% | 5,978 |
| Net loans and leases to core deposits | 43.1608% | 5,819 |
| Total domestic deposits to total assets | 87.6847% | 1,710 |
| Equity capital to assets | 11.8417% | 2,228 |
| Core capital (leverage) ratio | 11.4978% | 2,040 |
| Tier 1 risk-based capital ratio | 24.8784% | 868 |
| Total risk-based capital ratio | 25.7913% | 881 |
| Memoranda: | ||
| Average total assets | $75,286,000 | 5,019 |
| Average earning assets | $70,420,000 | 4,985 |
| Average equity | $8,778,750 | 4,959 |
| Average total loans | $24,799,250 | 5,629 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,203 |
| Cost of funding earning assets | 0.8759% | 322 |
| Net interest margin | 3.1439% | 4,847 |
| Noninterest income to average assets | 0.1867% | 5,571 |
| Noninterest expense to average assets | 1.9047% | 5,702 |
| Loan and lease loss provision to assets | 0.1601% | 1,324 |
| Net operating income to assets | 0.8896% | 2,939 |
| Return on assets (ROA) | 0.8963% | 3,022 |
| Pretax return on assets | 1.0697% | 3,303 |
| Return on Equity (ROE) | 7.7274% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.7274% | 1,378 |
| Net charge-offs to loans | -0.0321% | 5,358 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9215% | 4,842 |
| Assets per employee ($millions) | 5.8080% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 3,441 |
| Loan loss allowance to noncurrent loans | 48.4277% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 2,872 |
| Noncurrent loans to loans | 2.6075% | 845 |
| Net loans and leases to total assets | 31.8963% | 5,985 |
| Net loans and leases to deposits | 36.1341% | 6,033 |
| Net loans and leases to core deposits | 43.5474% | 5,844 |
| Total domestic deposits to total assets | 88.2721% | 1,506 |
| Equity capital to assets | 11.4418% | 2,467 |
| Core capital (leverage) ratio | 11.4913% | 1,996 |
| Tier 1 risk-based capital ratio | 24.2104% | 935 |
| Total risk-based capital ratio | 25.0751% | 960 |
| Memoranda: | ||
| Average total assets | $74,974,000 | 5,075 |
| Average earning assets | $70,103,000 | 5,041 |
| Average equity | $8,696,330 | 5,009 |
| Average total loans | $24,904,000 | 5,665 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,168 |
| Cost of funding earning assets | 0.8827% | 313 |
| Net interest margin | 3.1353% | 4,835 |
| Noninterest income to average assets | 0.1713% | 5,691 |
| Noninterest expense to average assets | 1.8365% | 5,843 |
| Loan and lease loss provision to assets | 0.1606% | 1,261 |
| Net operating income to assets | 0.9288% | 2,614 |
| Return on assets (ROA) | 0.9423% | 2,681 |
| Pretax return on assets | 1.1190% | 2,997 |
| Return on Equity (ROE) | 8.0688% | 2,924 |
| Retained earnings to average equity (ytd only) | 8.0688% | 1,545 |
| Net charge-offs to loans | -0.1749% | 6,020 |
| Credit loss provision to net charge-offs | -272.7273% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2401% | 5,190 |
| Assets per employee ($millions) | 5.7726% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,297 |
| Loan loss allowance to noncurrent loans | 21.6895% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 1,411 |
| Noncurrent loans to loans | 5.2718% | 237 |
| Net loans and leases to total assets | 32.8341% | 5,972 |
| Net loans and leases to deposits | 37.4326% | 6,005 |
| Net loans and leases to core deposits | 45.4671% | 5,780 |
| Total domestic deposits to total assets | 87.7152% | 1,979 |
| Equity capital to assets | 11.8091% | 2,186 |
| Core capital (leverage) ratio | 11.3710% | 2,105 |
| Tier 1 risk-based capital ratio | 24.9293% | 892 |
| Total risk-based capital ratio | 25.7687% | 920 |
| Memoranda: | ||
| Average total assets | $74,709,000 | 5,137 |
| Average earning assets | $69,785,500 | 5,096 |
| Average equity | $8,725,000 | 5,056 |
| Average total loans | $25,160,500 | 5,708 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,740 |
| Cost of funding earning assets | 0.9260% | 332 |
| Net interest margin | 3.3340% | 4,461 |
| Noninterest income to average assets | 0.1861% | 5,739 |
| Noninterest expense to average assets | 1.8059% | 6,058 |
| Loan and lease loss provision to assets | 0.0786% | 2,911 |
| Net operating income to assets | 1.2653% | 1,388 |
| Return on assets (ROA) | 1.3302% | 1,284 |
| Pretax return on assets | 1.4782% | 1,624 |
| Return on Equity (ROE) | 12.7161% | 1,203 |
| Retained earnings to average equity (ytd only) | 8.9577% | 714 |
| Net charge-offs to loans | 0.0760% | 3,403 |
| Credit loss provision to net charge-offs | 315.7895% | 826 |
| Earnings coverage of net charge-offs (x) | 59.6316% | 798 |
| Efficiency ratio | 54.8785% | 5,773 |
| Assets per employee ($millions) | 5.7211% | 1,591 |
| Cash dividends to net income (ytd only)* | 29.5567% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 5,242 |
| Loan loss allowance to noncurrent loans | 406.6667% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 5,191 |
| Noncurrent loans to loans | 0.2363% | 4,984 |
| Net loans and leases to total assets | 33.8183% | 6,045 |
| Net loans and leases to deposits | 38.8214% | 6,068 |
| Net loans and leases to core deposits | 47.2986% | 5,843 |
| Total domestic deposits to total assets | 87.1124% | 2,220 |
| Equity capital to assets | 11.5470% | 2,390 |
| Core capital (leverage) ratio | 10.9385% | 2,458 |
| Tier 1 risk-based capital ratio | 22.4267% | 1,160 |
| Total risk-based capital ratio | 23.0869% | 1,225 |
| Memoranda: | ||
| Average total assets | $76,306,600 | 5,149 |
| Average earning assets | $71,056,400 | 5,101 |
| Average equity | $7,982,000 | 5,205 |
| Average total loans | $25,015,200 | 5,780 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 2,716 |
| Cost of funding earning assets | 0.9301% | 344 |
| Net interest margin | 3.3488% | 4,434 |
| Noninterest income to average assets | 0.1875% | 5,792 |
| Noninterest expense to average assets | 1.7606% | 6,141 |
| Loan and lease loss provision to assets | 0.1042% | 2,303 |
| Net operating income to assets | 1.2646% | 1,474 |
| Return on assets (ROA) | 1.3456% | 1,313 |
| Pretax return on assets | 1.5280% | 1,555 |
| Return on Equity (ROE) | 13.1960% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.1960% | 309 |
| Net charge-offs to loans | 0.0107% | 4,361 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 442.9363% | 168 |
| Efficiency ratio | 53.3403% | 5,888 |
| Assets per employee ($millions) | 5.7639% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 5,112 |
| Loan loss allowance to noncurrent loans | 164.1509% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 5,369 |
| Noncurrent loans to loans | 0.6226% | 4,056 |
| Net loans and leases to total assets | 33.7324% | 6,123 |
| Net loans and leases to deposits | 38.1243% | 6,180 |
| Net loans and leases to core deposits | 46.5428% | 5,938 |
| Total domestic deposits to total assets | 88.4801% | 1,510 |
| Equity capital to assets | 11.2397% | 2,712 |
| Core capital (leverage) ratio | 10.9859% | 2,506 |
| Tier 1 risk-based capital ratio | 21.3188% | 1,389 |
| Total risk-based capital ratio | 21.9853% | 1,472 |
| Memoranda: | ||
| Average total assets | $76,789,750 | 5,191 |
| Average earning assets | $71,387,500 | 5,153 |
| Average equity | $7,830,500 | 5,286 |
| Average total loans | $24,920,000 | 5,844 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 2,622 |
| Cost of funding earning assets | 0.9306% | 355 |
| Net interest margin | 3.3575% | 4,365 |
| Noninterest income to average assets | 0.1834% | 5,854 |
| Noninterest expense to average assets | 1.7388% | 6,226 |
| Loan and lease loss provision to assets | 0.1550% | 1,592 |
| Net operating income to assets | 1.2207% | 1,528 |
| Return on assets (ROA) | 1.2117% | 1,615 |
| Pretax return on assets | 1.3926% | 1,914 |
| Return on Equity (ROE) | 12.2882% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.2882% | 393 |
| Net charge-offs to loans | 0.0162% | 3,902 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 301.5000% | 229 |
| Efficiency ratio | 52.7429% | 6,012 |
| Assets per employee ($millions) | 5.9469% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 5,146 |
| Loan loss allowance to noncurrent loans | 169.4805% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 5,522 |
| Noncurrent loans to loans | 0.6159% | 4,179 |
| Net loans and leases to total assets | 32.0036% | 6,241 |
| Net loans and leases to deposits | 36.9168% | 6,269 |
| Net loans and leases to core deposits | 45.2322% | 6,026 |
| Total domestic deposits to total assets | 86.6912% | 2,639 |
| Equity capital to assets | 10.4501% | 3,502 |
| Core capital (leverage) ratio | 10.5093% | 2,938 |
| Tier 1 risk-based capital ratio | 21.7313% | 1,302 |
| Total risk-based capital ratio | 22.4366% | 1,389 |
| Memoranda: | ||
| Average total assets | $77,409,330 | 5,217 |
| Average earning assets | $71,780,330 | 5,183 |
| Average equity | $7,633,330 | 5,363 |
| Average total loans | $24,714,330 | 5,896 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,624 |
| Cost of funding earning assets | 0.9334% | 375 |
| Net interest margin | 3.3390% | 4,380 |
| Noninterest income to average assets | 0.1911% | 5,814 |
| Noninterest expense to average assets | 1.7506% | 6,281 |
| Loan and lease loss provision to assets | 0.1549% | 1,562 |
| Net operating income to assets | 1.2070% | 1,468 |
| Return on assets (ROA) | 1.1981% | 1,557 |
| Pretax return on assets | 1.3788% | 1,821 |
| Return on Equity (ROE) | 12.5228% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.5228% | 539 |
| Net charge-offs to loans | 0.0326% | 2,938 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 327 |
| Efficiency ratio | 53.1348% | 6,078 |
| Assets per employee ($millions) | 5.9894% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 5,689 |
| Loan loss allowance to noncurrent loans | 292.4051% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 5,944 |
| Noncurrent loans to loans | 0.3264% | 5,130 |
| Net loans and leases to total assets | 30.7878% | 6,316 |
| Net loans and leases to deposits | 34.1993% | 6,367 |
| Net loans and leases to core deposits | 42.2414% | 6,150 |
| Total domestic deposits to total assets | 90.0247% | 1,065 |
| Equity capital to assets | 9.7082% | 4,216 |
| Core capital (leverage) ratio | 10.0361% | 3,518 |
| Tier 1 risk-based capital ratio | 20.4969% | 1,586 |
| Total risk-based capital ratio | 21.1036% | 1,721 |
| Memoranda: | ||
| Average total assets | $77,459,000 | 5,269 |
| Average earning assets | $71,997,000 | 5,225 |
| Average equity | $7,410,500 | 5,431 |
| Average total loans | $24,570,000 | 5,959 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 3,294 |
| Cost of funding earning assets | 1.0206% | 405 |
| Net interest margin | 3.1945% | 5,019 |
| Noninterest income to average assets | 0.3846% | 4,557 |
| Noninterest expense to average assets | 1.8270% | 6,280 |
| Loan and lease loss provision to assets | 0.1186% | 2,832 |
| Net operating income to assets | 1.2387% | 1,425 |
| Return on assets (ROA) | 1.2158% | 1,577 |
| Pretax return on assets | 1.3937% | 1,797 |
| Return on Equity (ROE) | 12.7793% | 1,214 |
| Retained earnings to average equity (ytd only) | 12.7793% | 253 |
| Net charge-offs to loans | 0.2545% | 2,448 |
| Credit loss provision to net charge-offs | 140.6250% | 1,656 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,661 |
| Efficiency ratio | 54.2857% | 6,112 |
| Assets per employee ($millions) | 5.9274% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 6,140 |
| Loan loss allowance to noncurrent loans | 615.1515% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 6,240 |
| Noncurrent loans to loans | 0.1323% | 5,808 |
| Net loans and leases to total assets | 32.0987% | 6,375 |
| Net loans and leases to deposits | 36.9115% | 6,404 |
| Net loans and leases to core deposits | 46.3687% | 6,118 |
| Total domestic deposits to total assets | 86.9614% | 2,744 |
| Equity capital to assets | 9.4243% | 4,524 |
| Core capital (leverage) ratio | 9.6919% | 3,994 |
| Tier 1 risk-based capital ratio | 20.4992% | 1,541 |
| Total risk-based capital ratio | 21.0488% | 1,671 |
| Memoranda: | ||
| Average total assets | $75,915,600 | 5,329 |
| Average earning assets | $70,839,400 | 5,289 |
| Average equity | $7,222,600 | 5,511 |
| Average total loans | $25,148,200 | 5,978 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,478 |
| Cost of funding earning assets | 1.0339% | 417 |
| Net interest margin | 3.1413% | 5,182 |
| Noninterest income to average assets | 0.4513% | 4,146 |
| Noninterest expense to average assets | 1.7700% | 6,388 |
| Loan and lease loss provision to assets | 0.1410% | 2,528 |
| Net operating income to assets | 1.3793% | 1,151 |
| Return on assets (ROA) | 1.3345% | 1,309 |
| Pretax return on assets | 1.4227% | 1,860 |
| Return on Equity (ROE) | 13.9934% | 999 |
| Retained earnings to average equity (ytd only) | 13.9934% | 252 |
| Net charge-offs to loans | 0.0211% | 4,707 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 228.6379% | 255 |
| Efficiency ratio | 52.3462% | 6,232 |
| Assets per employee ($millions) | 5.8862% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,541 |
| Loan loss allowance to noncurrent loans | 6,325.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 6,269 |
| Noncurrent loans to loans | 0.0165% | 6,305 |
| Net loans and leases to total assets | 31.2999% | 6,482 |
| Net loans and leases to deposits | 34.6829% | 6,549 |
| Net loans and leases to core deposits | 43.0263% | 6,347 |
| Total domestic deposits to total assets | 90.2458% | 866 |
| Equity capital to assets | 9.5033% | 4,552 |
| Core capital (leverage) ratio | 9.8268% | 3,921 |
| Tier 1 risk-based capital ratio | 20.3311% | 1,646 |
| Total risk-based capital ratio | 21.0256% | 1,753 |
| Memoranda: | ||
| Average total assets | $75,630,500 | 5,390 |
| Average earning assets | $70,541,250 | 5,350 |
| Average equity | $7,212,750 | 5,581 |
| Average total loans | $25,201,000 | 6,029 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 3,437 |
| Cost of funding earning assets | 1.0522% | 426 |
| Net interest margin | 3.1310% | 5,185 |
| Noninterest income to average assets | 0.5761% | 3,346 |
| Noninterest expense to average assets | 1.7575% | 6,439 |
| Loan and lease loss provision to assets | 0.1593% | 2,328 |
| Net operating income to assets | 1.5073% | 889 |
| Return on assets (ROA) | 1.5956% | 826 |
| Pretax return on assets | 1.6752% | 1,173 |
| Return on Equity (ROE) | 16.7107% | 578 |
| Retained earnings to average equity (ytd only) | 16.7107% | 168 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2276% | 6,412 |
| Assets per employee ($millions) | 5.6877% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 6,003 |
| Loan loss allowance to noncurrent loans | 3,950.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,536 |
| Noncurrent loans to loans | 0.0240% | 6,341 |
| Net loans and leases to total assets | 33.5353% | 6,435 |
| Net loans and leases to deposits | 37.1821% | 6,514 |
| Net loans and leases to core deposits | 46.5006% | 6,215 |
| Total domestic deposits to total assets | 90.1920% | 917 |
| Equity capital to assets | 9.6091% | 4,442 |
| Core capital (leverage) ratio | 9.7994% | 3,791 |
| Tier 1 risk-based capital ratio | 19.6723% | 1,806 |
| Total risk-based capital ratio | 20.3153% | 1,940 |
| Memoranda: | ||
| Average total assets | $75,333,670 | 5,430 |
| Average earning assets | $70,329,000 | 5,384 |
| Average equity | $7,193,000 | 5,636 |
| Average total loans | $25,533,330 | 6,039 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 3,516 |
| Cost of funding earning assets | 1.0500% | 473 |
| Net interest margin | 3.0994% | 5,265 |
| Noninterest income to average assets | 0.2946% | 5,353 |
| Noninterest expense to average assets | 1.7677% | 6,473 |
| Loan and lease loss provision to assets | 0.1578% | 2,292 |
| Net operating income to assets | 1.1943% | 1,538 |
| Return on assets (ROA) | 1.1943% | 1,647 |
| Pretax return on assets | 1.2732% | 2,321 |
| Return on Equity (ROE) | 12.5466% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.5466% | 617 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2632% | 6,132 |
| Assets per employee ($millions) | 5.8015% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 6,426 |
| Loan loss allowance to noncurrent loans | 2,070.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 6,580 |
| Noncurrent loans to loans | 0.0395% | 6,368 |
| Net loans and leases to total assets | 33.2525% | 6,451 |
| Net loans and leases to deposits | 37.7094% | 6,516 |
| Net loans and leases to core deposits | 47.1676% | 6,141 |
| Total domestic deposits to total assets | 88.1809% | 2,207 |
| Equity capital to assets | 9.6752% | 4,596 |
| Core capital (leverage) ratio | 9.1459% | 4,644 |
| Tier 1 risk-based capital ratio | 18.8752% | 2,075 |
| Total risk-based capital ratio | 19.4434% | 2,257 |
| Memoranda: | ||
| Average total assets | $76,030,500 | 5,460 |
| Average earning assets | $71,239,500 | 5,403 |
| Average equity | $7,237,000 | 5,677 |
| Average total loans | $25,783,500 | 6,079 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 3,937 |
| Cost of funding earning assets | 1.3911% | 260 |
| Net interest margin | 2.9806% | 6,086 |
| Noninterest income to average assets | 0.2106% | 5,911 |
| Noninterest expense to average assets | 1.8282% | 6,589 |
| Loan and lease loss provision to assets | 0.1550% | 3,676 |
| Net operating income to assets | 0.9836% | 2,411 |
| Return on assets (ROA) | 0.9936% | 2,588 |
| Pretax return on assets | 1.0336% | 3,417 |
| Return on Equity (ROE) | 10.0193% | 2,159 |
| Retained earnings to average equity (ytd only) | -19.2959% | 6,837 |
| Net charge-offs to loans | 0.3188% | 3,047 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 2,097 |
| Efficiency ratio | 60.8079% | 5,414 |
| Assets per employee ($millions) | 5.8955% | 1,361 |
| Cash dividends to net income (ytd only)* | 292.5878% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 6,665 |
| Loan loss allowance to noncurrent loans | 1,770.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 6,649 |
| Noncurrent loans to loans | 0.0381% | 6,412 |
| Net loans and leases to total assets | 34.0601% | 6,542 |
| Net loans and leases to deposits | 37.8039% | 6,639 |
| Net loans and leases to core deposits | 46.8275% | 6,335 |
| Total domestic deposits to total assets | 90.0967% | 900 |
| Equity capital to assets | 9.3644% | 5,048 |
| Core capital (leverage) ratio | 8.6263% | 5,431 |
| Tier 1 risk-based capital ratio | 17.3141% | 2,519 |
| Total risk-based capital ratio | 17.7749% | 2,853 |
| Memoranda: | ||
| Average total assets | $77,397,800 | 5,419 |
| Average earning assets | $72,603,600 | 5,350 |
| Average equity | $7,675,200 | 5,589 |
| Average total loans | $26,344,800 | 6,120 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 3,915 |
| Cost of funding earning assets | 1.4650% | 233 |
| Net interest margin | 2.9667% | 6,243 |
| Noninterest income to average assets | 0.2114% | 6,029 |
| Noninterest expense to average assets | 1.8284% | 6,645 |
| Loan and lease loss provision to assets | 0.1547% | 3,590 |
| Net operating income to assets | 0.9287% | 2,835 |
| Return on assets (ROA) | 0.9366% | 3,030 |
| Pretax return on assets | 1.0139% | 3,653 |
| Return on Equity (ROE) | 9.3163% | 2,669 |
| Retained earnings to average equity (ytd only) | -29.1455% | 7,052 |
| Net charge-offs to loans | 0.0455% | 5,017 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 74.9983% | 547 |
| Efficiency ratio | 61.1846% | 5,279 |
| Assets per employee ($millions) | 5.4909% | 1,646 |
| Cash dividends to net income (ytd only)* | 412.8439% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 6,456 |
| Loan loss allowance to noncurrent loans | 358.0645% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 6,098 |
| Noncurrent loans to loans | 0.2431% | 5,999 |
| Net loans and leases to total assets | 32.8871% | 6,710 |
| Net loans and leases to deposits | 36.5623% | 6,799 |
| Net loans and leases to core deposits | 45.2927% | 6,548 |
| Total domestic deposits to total assets | 89.9482% | 877 |
| Equity capital to assets | 9.2179% | 5,574 |
| Core capital (leverage) ratio | 8.3590% | 5,936 |
| Tier 1 risk-based capital ratio | 16.9181% | 2,775 |
| Total risk-based capital ratio | 17.5026% | 3,097 |
| Memoranda: | ||
| Average total assets | $77,587,000 | 5,471 |
| Average earning assets | $72,625,500 | 5,414 |
| Average equity | $7,799,750 | 5,610 |
| Average total loans | $26,360,750 | 6,197 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 3,737 |
| Cost of funding earning assets | 1.5396% | 200 |
| Net interest margin | 2.9666% | 6,305 |
| Noninterest income to average assets | 0.2184% | 6,005 |
| Noninterest expense to average assets | 1.8657% | 6,661 |
| Loan and lease loss provision to assets | 0.1542% | 3,592 |
| Net operating income to assets | 0.9001% | 2,907 |
| Return on assets (ROA) | 0.9072% | 3,148 |
| Pretax return on assets | 0.9843% | 3,772 |
| Return on Equity (ROE) | 8.7836% | 2,906 |
| Retained earnings to average equity (ytd only) | -47.2027% | 7,154 |
| Net charge-offs to loans | 0.0300% | 4,959 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 392 |
| Efficiency ratio | 62.2642% | 5,203 |
| Assets per employee ($millions) | 5.5622% | 1,567 |
| Cash dividends to net income (ytd only)* | 637.3938% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 6,739 |
| Loan loss allowance to noncurrent loans | 127.9221% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,179 |
| Noncurrent loans to loans | 0.5972% | 5,319 |
| Net loans and leases to total assets | 32.8620% | 6,778 |
| Net loans and leases to deposits | 36.2737% | 6,868 |
| Net loans and leases to core deposits | 44.6924% | 6,634 |
| Total domestic deposits to total assets | 90.5947% | 617 |
| Equity capital to assets | 8.6939% | 6,033 |
| Core capital (leverage) ratio | 7.8914% | 6,379 |
| Tier 1 risk-based capital ratio | 15.4698% | 3,464 |
| Total risk-based capital ratio | 15.9586% | 3,917 |
| Memoranda: | ||
| Average total assets | $77,825,330 | 5,500 |
| Average earning assets | $72,878,000 | 5,433 |
| Average equity | $8,037,670 | 5,563 |
| Average total loans | $26,646,670 | 6,226 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 3,479 |
| Cost of funding earning assets | 1.6229% | 173 |
| Net interest margin | 2.9826% | 6,329 |
| Noninterest income to average assets | 0.2056% | 6,157 |
| Noninterest expense to average assets | 1.9434% | 6,563 |
| Loan and lease loss provision to assets | 0.1542% | 3,449 |
| Net operating income to assets | 0.8277% | 3,267 |
| Return on assets (ROA) | 0.8277% | 3,497 |
| Pretax return on assets | 0.9049% | 4,012 |
| Return on Equity (ROE) | 7.4266% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.4266% | 2,215 |
| Net charge-offs to loans | 0.1182% | 3,404 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,020 |
| Efficiency ratio | 64.7260% | 4,792 |
| Assets per employee ($millions) | 5.6434% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 6,968 |
| Loan loss allowance to noncurrent loans | 76.1682% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 6,117 |
| Noncurrent loans to loans | 0.8109% | 5,054 |
| Net loans and leases to total assets | 33.1941% | 6,773 |
| Net loans and leases to deposits | 37.5682% | 6,840 |
| Net loans and leases to core deposits | 46.3988% | 6,539 |
| Total domestic deposits to total assets | 88.3569% | 2,094 |
| Equity capital to assets | 11.0596% | 2,836 |
| Core capital (leverage) ratio | 10.5930% | 2,650 |
| Tier 1 risk-based capital ratio | 21.1320% | 1,467 |
| Total risk-based capital ratio | 21.5474% | 1,611 |
| Memoranda: | ||
| Average total assets | $77,802,500 | 5,539 |
| Average earning assets | $72,956,500 | 5,468 |
| Average equity | $8,671,500 | 5,372 |
| Average total loans | $27,076,500 | 6,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 3,467 |
| Cost of funding earning assets | 1.7501% | 259 |
| Net interest margin | 3.1266% | 6,280 |
| Noninterest income to average assets | 0.2054% | 6,037 |
| Noninterest expense to average assets | 1.9894% | 6,692 |
| Loan and lease loss provision to assets | 0.0737% | 5,691 |
| Net operating income to assets | 0.9802% | 2,284 |
| Return on assets (ROA) | 1.0006% | 2,338 |
| Pretax return on assets | 1.0954% | 2,854 |
| Return on Equity (ROE) | 9.0086% | 2,439 |
| Retained earnings to average equity (ytd only) | 3.0819% | 4,036 |
| Net charge-offs to loans | 0.2559% | 4,179 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 12.4429% | 1,621 |
| Efficiency ratio | 63.4341% | 5,226 |
| Assets per employee ($millions) | 5.1065% | 2,053 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5079% | 7,102 |
| Loan loss allowance to noncurrent loans | 47.0000% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 5,890 |
| Noncurrent loans to loans | 1.0805% | 4,550 |
| Net loans and leases to total assets | 36.0628% | 6,767 |
| Net loans and leases to deposits | 40.9509% | 6,833 |
| Net loans and leases to core deposits | 50.7188% | 6,492 |
| Total domestic deposits to total assets | 88.0635% | 2,111 |
| Equity capital to assets | 11.2341% | 2,757 |
| Core capital (leverage) ratio | 10.5316% | 2,683 |
| Tier 1 risk-based capital ratio | 20.9362% | 1,425 |
| Total risk-based capital ratio | 21.2993% | 1,600 |
| Memoranda: | ||
| Average total assets | $75,953,600 | 5,570 |
| Average earning assets | $71,195,800 | 5,501 |
| Average equity | $8,436,400 | 5,425 |
| Average total loans | $27,355,600 | 6,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 3,532 |
| Cost of funding earning assets | 1.7584% | 307 |
| Net interest margin | 3.1453% | 6,302 |
| Noninterest income to average assets | 0.2129% | 6,095 |
| Noninterest expense to average assets | 1.8647% | 6,898 |
| Loan and lease loss provision to assets | 0.0457% | 5,869 |
| Net operating income to assets | 1.1686% | 1,750 |
| Return on assets (ROA) | 1.1751% | 1,846 |
| Pretax return on assets | 1.2578% | 2,437 |
| Return on Equity (ROE) | 10.6101% | 1,989 |
| Retained earnings to average equity (ytd only) | 2.6684% | 4,756 |
| Net charge-offs to loans | 0.3180% | 3,510 |
| Credit loss provision to net charge-offs | 40.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | 11.3390% | 1,816 |
| Efficiency ratio | 58.9872% | 5,867 |
| Assets per employee ($millions) | 5.1159% | 2,047 |
| Cash dividends to net income (ytd only)* | 74.8507% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3556% | 7,257 |
| Loan loss allowance to noncurrent loans | 51.6129% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 6,356 |
| Noncurrent loans to loans | 0.6889% | 5,511 |
| Net loans and leases to total assets | 35.0578% | 6,912 |
| Net loans and leases to deposits | 39.8156% | 6,978 |
| Net loans and leases to core deposits | 49.5260% | 6,694 |
| Total domestic deposits to total assets | 88.0504% | 2,010 |
| Equity capital to assets | 11.2668% | 2,897 |
| Core capital (leverage) ratio | 10.5727% | 2,789 |
| Tier 1 risk-based capital ratio | 20.2397% | 1,631 |
| Total risk-based capital ratio | 20.4813% | 1,839 |
| Memoranda: | ||
| Average total assets | $75,792,750 | 5,618 |
| Average earning assets | $71,046,750 | 5,548 |
| Average equity | $8,394,250 | 5,472 |
| Average total loans | $27,253,500 | 6,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 3,595 |
| Cost of funding earning assets | 1.7765% | 345 |
| Net interest margin | 3.1286% | 6,341 |
| Noninterest income to average assets | 0.2120% | 6,151 |
| Noninterest expense to average assets | 1.8337% | 7,039 |
| Loan and lease loss provision to assets | 0.0318% | 5,913 |
| Net operating income to assets | 1.1977% | 1,580 |
| Return on assets (ROA) | 1.1977% | 1,661 |
| Pretax return on assets | 1.2772% | 2,217 |
| Return on Equity (ROE) | 10.8780% | 1,837 |
| Retained earnings to average equity (ytd only) | -1.1552% | 6,081 |
| Net charge-offs to loans | 0.2926% | 3,413 |
| Credit loss provision to net charge-offs | 30.0000% | 4,988 |
| Earnings coverage of net charge-offs (x) | 12.3500% | 1,633 |
| Efficiency ratio | 58.3474% | 6,119 |
| Assets per employee ($millions) | 5.1397% | 1,946 |
| Cash dividends to net income (ytd only)* | 110.6195% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3932% | 7,298 |
| Loan loss allowance to noncurrent loans | 29.5580% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 5,847 |
| Noncurrent loans to loans | 1.3303% | 4,430 |
| Net loans and leases to total assets | 35.1579% | 7,004 |
| Net loans and leases to deposits | 39.6852% | 7,073 |
| Net loans and leases to core deposits | 49.2156% | 6,801 |
| Total domestic deposits to total assets | 88.5920% | 1,790 |
| Equity capital to assets | 10.7919% | 3,182 |
| Core capital (leverage) ratio | 10.3424% | 2,890 |
| Tier 1 risk-based capital ratio | 19.6351% | 1,683 |
| Total risk-based capital ratio | 19.9036% | 1,913 |
| Memoranda: | ||
| Average total assets | $75,477,330 | 5,673 |
| Average earning assets | $70,702,670 | 5,613 |
| Average equity | $8,310,330 | 5,514 |
| Average total loans | $27,338,330 | 6,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 3,774 |
| Cost of funding earning assets | 1.8125% | 358 |
| Net interest margin | 3.0475% | 6,466 |
| Noninterest income to average assets | 0.1875% | 6,380 |
| Noninterest expense to average assets | 1.8482% | 7,077 |
| Loan and lease loss provision to assets | 0.0321% | 5,572 |
| Net operating income to assets | 1.0821% | 1,899 |
| Return on assets (ROA) | 1.0821% | 1,951 |
| Pretax return on assets | 1.1625% | 2,503 |
| Return on Equity (ROE) | 9.7285% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.7285% | 1,170 |
| Net charge-offs to loans | 0.1022% | 3,934 |
| Credit loss provision to net charge-offs | 85.7143% | 3,025 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 801 |
| Efficiency ratio | 60.7394% | 5,872 |
| Assets per employee ($millions) | 5.0233% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4907% | 7,289 |
| Loan loss allowance to noncurrent loans | 670.0000% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 6,827 |
| Noncurrent loans to loans | 0.0732% | 6,856 |
| Net loans and leases to total assets | 36.0664% | 6,996 |
| Net loans and leases to deposits | 40.8232% | 7,066 |
| Net loans and leases to core deposits | 50.4240% | 6,755 |
| Total domestic deposits to total assets | 88.3477% | 2,170 |
| Equity capital to assets | 11.1520% | 2,538 |
| Core capital (leverage) ratio | 10.8106% | 2,346 |
| Tier 1 risk-based capital ratio | 20.7021% | 1,449 |
| Total risk-based capital ratio | 21.0457% | 1,604 |
| Memoranda: | ||
| Average total assets | $74,668,500 | 5,739 |
| Average earning assets | $69,959,500 | 5,670 |
| Average equity | $8,305,500 | 5,518 |
| Average total loans | $27,401,500 | 6,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 4,556 |
| Cost of funding earning assets | 2.0225% | 560 |
| Net interest margin | 2.9790% | 6,773 |
| Noninterest income to average assets | 0.2596% | 5,942 |
| Noninterest expense to average assets | 1.9453% | 7,100 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9653% | 2,147 |
| Return on assets (ROA) | 0.9713% | 2,249 |
| Pretax return on assets | 1.1079% | 2,546 |
| Return on Equity (ROE) | 9.0007% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.0007% | 698 |
| Net charge-offs to loans | 0.0220% | 6,592 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 134.3333% | 186 |
| Efficiency ratio | 63.8565% | 5,377 |
| Assets per employee ($millions) | 4.9325% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 7,365 |
| Loan loss allowance to noncurrent loans | 134.0000% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 6,902 |
| Noncurrent loans to loans | 0.3637% | 6,332 |
| Net loans and leases to total assets | 36.9781% | 7,116 |
| Net loans and leases to deposits | 41.8205% | 7,189 |
| Net loans and leases to core deposits | 52.1442% | 6,904 |
| Total domestic deposits to total assets | 88.4209% | 2,003 |
| Equity capital to assets | 11.0938% | 2,605 |
| Core capital (leverage) ratio | 10.7164% | 2,370 |
| Tier 1 risk-based capital ratio | 20.2256% | 1,444 |
| Total risk-based capital ratio | 20.5699% | 1,604 |
| Memoranda: | ||
| Average total assets | $73,202,800 | 5,780 |
| Average earning assets | $68,480,000 | 5,717 |
| Average equity | $7,899,400 | 5,750 |
| Average total loans | $27,301,000 | 6,539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0075% | 4,781 |
| Cost of funding earning assets | 2.0581% | 616 |
| Net interest margin | 2.9494% | 6,930 |
| Noninterest income to average assets | 0.2557% | 6,070 |
| Noninterest expense to average assets | 1.8409% | 7,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0063% | 2,211 |
| Return on assets (ROA) | 1.0063% | 2,330 |
| Pretax return on assets | 1.1706% | 2,596 |
| Return on Equity (ROE) | 9.3918% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.3918% | 933 |
| Net charge-offs to loans | 0.0294% | 6,268 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 106.8313% | 297 |
| Efficiency ratio | 61.1280% | 5,768 |
| Assets per employee ($millions) | 4.6363% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 7,471 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,349 |
| Noncurrent loans to loans | 0.0216% | 7,209 |
| Net loans and leases to total assets | 37.3357% | 7,212 |
| Net loans and leases to deposits | 42.3273% | 7,291 |
| Net loans and leases to core deposits | 54.7190% | 6,924 |
| Total domestic deposits to total assets | 88.2072% | 1,854 |
| Equity capital to assets | 11.0406% | 2,922 |
| Core capital (leverage) ratio | 10.4645% | 2,724 |
| Tier 1 risk-based capital ratio | 20.2500% | 1,499 |
| Total risk-based capital ratio | 20.6045% | 1,641 |
| Memoranda: | ||
| Average total assets | $73,006,750 | 5,854 |
| Average earning assets | $68,216,000 | 5,790 |
| Average equity | $7,822,250 | 5,850 |
| Average total loans | $27,253,000 | 6,629 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 4,735 |
| Cost of funding earning assets | 2.0806% | 708 |
| Net interest margin | 2.9618% | 6,917 |
| Noninterest income to average assets | 0.2727% | 5,972 |
| Noninterest expense to average assets | 1.8343% | 7,350 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0411% | 2,041 |
| Return on assets (ROA) | 1.0411% | 2,118 |
| Pretax return on assets | 1.2064% | 2,391 |
| Return on Equity (ROE) | 9.8186% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.8186% | 886 |
| Net charge-offs to loans | 0.0591% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 54.7500% | 553 |
| Efficiency ratio | 60.3261% | 5,990 |
| Assets per employee ($millions) | 4.5548% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 7,518 |
| Loan loss allowance to noncurrent loans | 554.1667% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,314 |
| Noncurrent loans to loans | 0.0883% | 7,090 |
| Net loans and leases to total assets | 37.1242% | 7,310 |
| Net loans and leases to deposits | 42.1273% | 7,391 |
| Net loans and leases to core deposits | 54.7306% | 7,005 |
| Total domestic deposits to total assets | 88.1238% | 1,942 |
| Equity capital to assets | 11.1242% | 2,752 |
| Core capital (leverage) ratio | 10.3701% | 2,745 |
| Tier 1 risk-based capital ratio | 19.6594% | 1,572 |
| Total risk-based capital ratio | 20.0063% | 1,750 |
| Memoranda: | ||
| Average total assets | $72,615,330 | 5,904 |
| Average earning assets | $67,864,670 | 5,835 |
| Average equity | $7,699,670 | 5,900 |
| Average total loans | $27,060,330 | 6,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 4,789 |
| Cost of funding earning assets | 2.1058% | 798 |
| Net interest margin | 2.9434% | 6,946 |
| Noninterest income to average assets | 0.2759% | 5,946 |
| Noninterest expense to average assets | 1.8045% | 7,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0595% | 1,963 |
| Return on assets (ROA) | 1.0595% | 2,035 |
| Pretax return on assets | 1.2251% | 2,283 |
| Return on Equity (ROE) | 10.2455% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.2455% | 1,088 |
| Net charge-offs to loans | 0.0889% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 735 |
| Efficiency ratio | 59.5628% | 6,251 |
| Assets per employee ($millions) | 4.5496% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 7,587 |
| Loan loss allowance to noncurrent loans | 613.6364% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 7,420 |
| Noncurrent loans to loans | 0.0815% | 7,186 |
| Net loans and leases to total assets | 36.8950% | 7,394 |
| Net loans and leases to deposits | 41.4767% | 7,471 |
| Net loans and leases to core deposits | 54.3763% | 7,084 |
| Total domestic deposits to total assets | 88.9536% | 1,542 |
| Equity capital to assets | 10.4928% | 3,249 |
| Core capital (leverage) ratio | 10.3228% | 2,786 |
| Tier 1 risk-based capital ratio | 19.0679% | 1,705 |
| Total risk-based capital ratio | 19.4180% | 1,880 |
| Memoranda: | ||
| Average total assets | $72,484,500 | 5,984 |
| Average earning assets | $67,813,500 | 5,914 |
| Average equity | $7,496,000 | 6,015 |
| Average total loans | $26,996,500 | 6,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 4,227 |
| Cost of funding earning assets | 2.3621% | 1,416 |
| Net interest margin | 3.1230% | 6,298 |
| Noninterest income to average assets | 0.3231% | 5,775 |
| Noninterest expense to average assets | 1.9692% | 7,413 |
| Loan and lease loss provision to assets | 0.1142% | 6,503 |
| Net operating income to assets | 0.9347% | 2,072 |
| Return on assets (ROA) | 1.1893% | 1,320 |
| Pretax return on assets | 1.4539% | 1,306 |
| Return on Equity (ROE) | 11.8766% | 1,195 |
| Retained earnings to average equity (ytd only) | 11.8766% | 218 |
| Net charge-offs to loans | 0.1631% | 5,647 |
| Credit loss provision to net charge-offs | 195.2381% | 2,030 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 999 |
| Efficiency ratio | 61.0272% | 6,326 |
| Assets per employee ($millions) | 4.5110% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5222% | 7,652 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,530 |
| Noncurrent loans to loans | 0.0111% | 7,413 |
| Net loans and leases to total assets | 37.2146% | 7,474 |
| Net loans and leases to deposits | 41.6634% | 7,577 |
| Net loans and leases to core deposits | 64.2999% | 7,072 |
| Total domestic deposits to total assets | 89.3219% | 1,316 |
| Equity capital to assets | 10.1890% | 3,521 |
| Core capital (leverage) ratio | 10.0379% | 3,048 |
| Tier 1 risk-based capital ratio | 19.1854% | 1,616 |
| Total risk-based capital ratio | 19.5632% | 1,762 |
| Memoranda: | ||
| Average total assets | $71,805,000 | 5,947 |
| Average earning assets | $66,763,000 | 5,904 |
| Average equity | $7,190,600 | 6,206 |
| Average total loans | $25,743,200 | 6,872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 4,397 |
| Cost of funding earning assets | 2.4027% | 1,626 |
| Net interest margin | 3.1014% | 6,313 |
| Noninterest income to average assets | 0.3142% | 5,966 |
| Noninterest expense to average assets | 1.9894% | 7,406 |
| Loan and lease loss provision to assets | 0.0167% | 7,175 |
| Net operating income to assets | 0.9848% | 2,111 |
| Return on assets (ROA) | 0.9910% | 2,154 |
| Pretax return on assets | 1.1955% | 2,280 |
| Return on Equity (ROE) | 9.9395% | 1,933 |
| Retained earnings to average equity (ytd only) | 9.9395% | 645 |
| Net charge-offs to loans | 0.1993% | 4,816 |
| Credit loss provision to net charge-offs | 23.6842% | 6,543 |
| Earnings coverage of net charge-offs (x) | 17.0511% | 1,427 |
| Efficiency ratio | 62.2817% | 6,058 |
| Assets per employee ($millions) | 4.5393% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2784% | 7,918 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,599 |
| Noncurrent loans to loans | 0.0116% | 7,500 |
| Net loans and leases to total assets | 35.5147% | 7,633 |
| Net loans and leases to deposits | 39.9548% | 7,731 |
| Net loans and leases to core deposits | 61.9616% | 7,329 |
| Total domestic deposits to total assets | 88.8874% | 1,245 |
| Equity capital to assets | 10.1998% | 3,845 |
| Core capital (leverage) ratio | 9.7296% | 3,602 |
| Tier 1 risk-based capital ratio | 18.7182% | 1,811 |
| Total risk-based capital ratio | 18.9152% | 2,031 |
| Memoranda: | ||
| Average total assets | $71,712,250 | 5,991 |
| Average earning assets | $66,591,000 | 5,953 |
| Average equity | $7,149,750 | 6,277 |
| Average total loans | $25,428,750 | 6,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 4,196 |
| Cost of funding earning assets | 2.4239% | 1,865 |
| Net interest margin | 3.1493% | 6,092 |
| Noninterest income to average assets | 0.3585% | 5,645 |
| Noninterest expense to average assets | 1.8822% | 7,646 |
| Loan and lease loss provision to assets | 0.0168% | 7,058 |
| Net operating income to assets | 1.0724% | 1,866 |
| Return on assets (ROA) | 1.0811% | 1,910 |
| Pretax return on assets | 1.3892% | 1,756 |
| Return on Equity (ROE) | 10.9292% | 1,717 |
| Retained earnings to average equity (ytd only) | 10.9292% | 574 |
| Net charge-offs to loans | 0.1187% | 4,974 |
| Credit loss provision to net charge-offs | 40.0000% | 5,902 |
| Earnings coverage of net charge-offs (x) | 33.2000% | 929 |
| Efficiency ratio | 57.4359% | 6,946 |
| Assets per employee ($millions) | 4.4586% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3613% | 7,938 |
| Loan loss allowance to noncurrent loans | 72.4409% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 7,100 |
| Noncurrent loans to loans | 0.4987% | 6,277 |
| Net loans and leases to total assets | 35.5673% | 7,720 |
| Net loans and leases to deposits | 39.7914% | 7,823 |
| Net loans and leases to core deposits | 61.6253% | 7,390 |
| Total domestic deposits to total assets | 89.3843% | 1,089 |
| Equity capital to assets | 9.8825% | 4,102 |
| Core capital (leverage) ratio | 9.3312% | 4,130 |
| Tier 1 risk-based capital ratio | 18.6025% | 1,858 |
| Total risk-based capital ratio | 18.8582% | 2,065 |
| Memoranda: | ||
| Average total assets | $71,406,670 | 6,046 |
| Average earning assets | $66,174,330 | 5,998 |
| Average equity | $7,063,670 | 6,346 |
| Average total loans | $25,283,000 | 7,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 3,533 |
| Cost of funding earning assets | 2.4434% | 2,129 |
| Net interest margin | 3.3064% | 5,475 |
| Noninterest income to average assets | 0.4759% | 4,545 |
| Noninterest expense to average assets | 1.9541% | 7,438 |
| Loan and lease loss provision to assets | 0.0168% | 6,656 |
| Net operating income to assets | 1.2197% | 1,602 |
| Return on assets (ROA) | 1.2374% | 1,647 |
| Pretax return on assets | 1.5733% | 1,473 |
| Return on Equity (ROE) | 12.5027% | 1,514 |
| Retained earnings to average equity (ytd only) | 12.5027% | 711 |
| Net charge-offs to loans | 0.0318% | 5,076 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 312 |
| Efficiency ratio | 55.4849% | 7,036 |
| Assets per employee ($millions) | 4.5069% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4089% | 7,936 |
| Loan loss allowance to noncurrent loans | 850.0000% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 6,979 |
| Noncurrent loans to loans | 0.0481% | 7,402 |
| Net loans and leases to total assets | 34.4488% | 7,791 |
| Net loans and leases to deposits | 38.6006% | 7,886 |
| Net loans and leases to core deposits | 59.3175% | 7,482 |
| Total domestic deposits to total assets | 89.2442% | 1,122 |
| Equity capital to assets | 9.8752% | 4,150 |
| Core capital (leverage) ratio | 9.1152% | 4,529 |
| Tier 1 risk-based capital ratio | 18.4631% | 1,942 |
| Total risk-based capital ratio | 18.7516% | 2,130 |
| Memoranda: | ||
| Average total assets | $71,441,000 | 6,086 |
| Average earning assets | $65,811,000 | 6,044 |
| Average equity | $7,070,500 | 6,380 |
| Average total loans | $25,192,000 | 7,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 6,416 |
| Cost of funding earning assets | 2.7576% | 2,888 |
| Net interest margin | 3.0446% | 6,801 |
| Noninterest income to average assets | 0.2656% | 6,557 |
| Noninterest expense to average assets | 1.7776% | 7,776 |
| Loan and lease loss provision to assets | 0.0643% | 6,592 |
| Net operating income to assets | 1.0269% | 2,444 |
| Return on assets (ROA) | 1.1522% | 1,861 |
| Pretax return on assets | 1.4949% | 1,700 |
| Return on Equity (ROE) | 12.0606% | 1,571 |
| Retained earnings to average equity (ytd only) | 4.5881% | 2,273 |
| Net charge-offs to loans | 0.0471% | 6,113 |
| Credit loss provision to net charge-offs | 375.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 514 |
| Efficiency ratio | 56.0054% | 7,011 |
| Assets per employee ($millions) | 4.4233% | 2,743 |
| Cash dividends to net income (ytd only)* | 61.9579% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3970% | 7,980 |
| Loan loss allowance to noncurrent loans | 841.6667% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 7,412 |
| Noncurrent loans to loans | 0.0472% | 7,321 |
| Net loans and leases to total assets | 35.8051% | 7,838 |
| Net loans and leases to deposits | 40.2523% | 7,936 |
| Net loans and leases to core deposits | 62.0258% | 7,508 |
| Total domestic deposits to total assets | 88.9518% | 1,065 |
| Equity capital to assets | 9.9192% | 4,135 |
| Core capital (leverage) ratio | 9.1800% | 4,474 |
| Tier 1 risk-based capital ratio | 18.2104% | 1,988 |
| Total risk-based capital ratio | 18.5021% | 2,192 |
| Memoranda: | ||
| Average total assets | $70,038,200 | 6,038 |
| Average earning assets | $66,905,200 | 5,936 |
| Average equity | $6,691,200 | 6,571 |
| Average total loans | $25,452,800 | 6,995 |