Home > Bonanza Valley State Bank > Performance and Condition Ratios
Bonanza Valley State 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 | 4.8732% | 2,338 |
| Cost of funding earning assets | 2.1934% | 647 |
| Net interest margin | 2.6797% | 3,848 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.5178% | 2,245 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.1462% | 4,212 |
| Return on assets (ROA) | 0.1502% | 4,237 |
| Pretax return on assets | 0.1502% | 4,239 |
| Return on Equity (ROE) | 1.7600% | 4,176 |
| Retained earnings to average equity (ytd only) | -5.4752% | 4,401 |
| Net charge-offs to loans | 0.0143% | 2,122 |
| Credit loss provision to net charge-offs | -625.0000% | 4,547 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,417 |
| Efficiency ratio | 96.9525% | 235 |
| Assets per employee ($millions) | 7.5310% | 1,708 |
| Cash dividends to net income (ytd only)* | 411.6071% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5499% | 4,297 |
| Loan loss allowance to noncurrent loans | 10,466.6667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,798 |
| Noncurrent loans to loans | 0.0053% | 3,745 |
| Net loans and leases to total assets | 75.4100% | 1,187 |
| Net loans and leases to deposits | 88.6582% | 1,379 |
| Net loans and leases to core deposits | 103.5369% | 1,243 |
| Total domestic deposits to total assets | 85.0600% | 2,292 |
| Equity capital to assets | 8.4942% | 3,059 |
| Core capital (leverage) ratio | 9.0264% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1643% | 2,188 |
| Memoranda: | ||
| Average total assets | $74,550,000 | 4,074 |
| Average earning assets | $68,066,600 | 4,055 |
| Average equity | $6,374,200 | 4,125 |
| Average total loans | $56,133,400 | 3,758 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 2,375 |
| Cost of funding earning assets | 2.0679% | 629 |
| Net interest margin | 2.6811% | 3,901 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.5694% | 2,033 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 0.1201% | 4,303 |
| Return on assets (ROA) | 0.1255% | 4,316 |
| Pretax return on assets | 0.1255% | 4,325 |
| Return on Equity (ROE) | 1.4700% | 4,264 |
| Retained earnings to average equity (ytd only) | -8.1859% | 4,487 |
| Net charge-offs to loans | 0.0358% | 1,380 |
| Credit loss provision to net charge-offs | -333.3333% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1.1333% | 2,546 |
| Efficiency ratio | 98.8276% | 191 |
| Assets per employee ($millions) | 7.5534% | 1,598 |
| Cash dividends to net income (ytd only)* | 658.5714% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5209% | 4,336 |
| Loan loss allowance to noncurrent loans | 1,279.1667% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,485 |
| Noncurrent loans to loans | 0.0407% | 3,474 |
| Net loans and leases to total assets | 77.6200% | 927 |
| Net loans and leases to deposits | 90.9583% | 1,144 |
| Net loans and leases to core deposits | 106.0870% | 1,011 |
| Total domestic deposits to total assets | 85.3400% | 2,401 |
| Equity capital to assets | 7.7700% | 3,200 |
| Core capital (leverage) ratio | 9.1475% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8396% | 2,327 |
| Memoranda: | ||
| Average total assets | $74,360,000 | 4,090 |
| Average earning assets | $67,830,000 | 4,079 |
| Average equity | $6,368,500 | 4,135 |
| Average total loans | $55,890,750 | 3,770 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 2,372 |
| Cost of funding earning assets | 1.8573% | 663 |
| Net interest margin | 2.7637% | 3,883 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.5227% | 2,142 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 0.2758% | 4,193 |
| Return on assets (ROA) | 0.2839% | 4,208 |
| Pretax return on assets | 0.2839% | 4,246 |
| Return on Equity (ROE) | 3.2100% | 4,129 |
| Retained earnings to average equity (ytd only) | -2.2953% | 4,307 |
| Net charge-offs to loans | 0.0620% | 931 |
| Credit loss provision to net charge-offs | -294.1176% | 4,581 |
| Earnings coverage of net charge-offs (x) | 3.0588% | 2,280 |
| Efficiency ratio | 94.7208% | 247 |
| Assets per employee ($millions) | 7.6132% | 1,534 |
| Cash dividends to net income (ytd only)* | 171.4286% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 4,354 |
| Loan loss allowance to noncurrent loans | 1,129.6296% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,431 |
| Noncurrent loans to loans | 0.0472% | 3,381 |
| Net loans and leases to total assets | 74.6700% | 1,209 |
| Net loans and leases to deposits | 88.2747% | 1,317 |
| Net loans and leases to core deposits | 97.8687% | 1,357 |
| Total domestic deposits to total assets | 84.5900% | 2,666 |
| Equity capital to assets | 8.5601% | 2,812 |
| Core capital (leverage) ratio | 9.8866% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4153% | 2,128 |
| Memoranda: | ||
| Average total assets | $73,968,667 | 4,113 |
| Average earning assets | $67,300,333 | 4,104 |
| Average equity | $6,535,000 | 4,128 |
| Average total loans | $54,875,667 | 3,795 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,295 |
| Cost of funding earning assets | 1.3800% | 1,068 |
| Net interest margin | 3.1303% | 3,288 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.5409% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4829% | 3,936 |
| Return on assets (ROA) | 0.4994% | 3,864 |
| Pretax return on assets | 0.4994% | 3,991 |
| Return on Equity (ROE) | 5.5600% | 3,792 |
| Retained earnings to average equity (ytd only) | -5.4401% | 4,347 |
| Net charge-offs to loans | -0.0595% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.0290% | 590 |
| Assets per employee ($millions) | 7.3340% | 1,724 |
| Cash dividends to net income (ytd only)* | 197.8022% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,262 |
| Loan loss allowance to noncurrent loans | 703.7037% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,062 |
| Noncurrent loans to loans | 0.0974% | 3,058 |
| Net loans and leases to total assets | 75.0600% | 1,072 |
| Net loans and leases to deposits | 86.5570% | 1,312 |
| Net loans and leases to core deposits | 92.7723% | 1,465 |
| Total domestic deposits to total assets | 86.7200% | 2,364 |
| Equity capital to assets | 8.9460% | 2,557 |
| Core capital (leverage) ratio | 10.1601% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9693% | 1,983 |
| Memoranda: | ||
| Average total assets | $72,887,000 | 4,173 |
| Average earning assets | $66,957,500 | 4,162 |
| Average equity | $6,544,000 | 4,177 |
| Average total loans | $53,737,000 | 3,854 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 1,531 |
| Cost of funding earning assets | 0.8637% | 298 |
| Net interest margin | 3.2111% | 2,838 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.5366% | 2,003 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.5932% | 3,901 |
| Return on assets (ROA) | 0.6145% | 3,795 |
| Pretax return on assets | 0.6145% | 4,006 |
| Return on Equity (ROE) | 6.9400% | 3,652 |
| Retained earnings to average equity (ytd only) | 0.2109% | 4,312 |
| Net charge-offs to loans | -0.0020% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.3552% | 519 |
| Assets per employee ($millions) | 7.2434% | 1,791 |
| Cash dividends to net income (ytd only)* | 96.9631% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,191 |
| Loan loss allowance to noncurrent loans | 676.3636% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,034 |
| Noncurrent loans to loans | 0.1057% | 3,010 |
| Net loans and leases to total assets | 71.3300% | 1,489 |
| Net loans and leases to deposits | 81.5190% | 1,655 |
| Net loans and leases to core deposits | 83.1683% | 1,922 |
| Total domestic deposits to total assets | 87.5100% | 2,232 |
| Equity capital to assets | 9.0110% | 2,349 |
| Core capital (leverage) ratio | 9.9692% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7083% | 1,731 |
| Memoranda: | ||
| Average total assets | $75,020,400 | 4,188 |
| Average earning assets | $68,076,400 | 4,178 |
| Average equity | $6,639,400 | 4,259 |
| Average total loans | $49,532,200 | 3,903 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 1,410 |
| Cost of funding earning assets | 0.7474% | 203 |
| Net interest margin | 3.1810% | 2,679 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.5162% | 1,970 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4282% | 4,193 |
| Return on assets (ROA) | 0.4564% | 4,104 |
| Pretax return on assets | 0.4564% | 4,201 |
| Return on Equity (ROE) | 5.1800% | 3,949 |
| Retained earnings to average equity (ytd only) | -3.7594% | 4,568 |
| Net charge-offs to loans | 0.0082% | 1,837 |
| Credit loss provision to net charge-offs | 1,166.6667% | 372 |
| Earnings coverage of net charge-offs (x) | 92.6667% | 981 |
| Efficiency ratio | 83.7046% | 562 |
| Assets per employee ($millions) | 7.5861% | 1,559 |
| Cash dividends to net income (ytd only)* | 172.5869% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,790 |
| Loan loss allowance to noncurrent loans | 1,376.4706% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,091 |
| Noncurrent loans to loans | 0.0671% | 3,399 |
| Net loans and leases to total assets | 66.2000% | 1,865 |
| Net loans and leases to deposits | 74.5612% | 1,996 |
| Net loans and leases to core deposits | 75.6918% | 2,219 |
| Total domestic deposits to total assets | 88.7800% | 2,172 |
| Equity capital to assets | 7.7879% | 3,028 |
| Core capital (leverage) ratio | 9.1383% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9879% | 1,715 |
| Memoranda: | ||
| Average total assets | $75,667,000 | 4,205 |
| Average earning assets | $68,319,750 | 4,208 |
| Average equity | $6,667,500 | 4,294 |
| Average total loans | $48,904,750 | 3,928 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 1,392 |
| Cost of funding earning assets | 0.7168% | 144 |
| Net interest margin | 3.0449% | 2,738 |
| Noninterest income to average assets | 0.1164% | 4,415 |
| Noninterest expense to average assets | 2.4364% | 2,124 |
| Loan and lease loss provision to assets | 0.0132% | 2,355 |
| Net operating income to assets | 0.4312% | 4,052 |
| Return on assets (ROA) | 0.4735% | 3,910 |
| Pretax return on assets | 0.4735% | 4,041 |
| Return on Equity (ROE) | 5.1729% | 3,779 |
| Retained earnings to average equity (ytd only) | 0.1445% | 4,160 |
| Net charge-offs to loans | 0.5589% | 119 |
| Credit loss provision to net charge-offs | 3.7037% | 1,650 |
| Earnings coverage of net charge-offs (x) | 1.2444% | 2,076 |
| Efficiency ratio | 84.5730% | 648 |
| Assets per employee ($millions) | 7.0517% | 1,904 |
| Cash dividends to net income (ytd only)* | 97.2067% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 4,427 |
| Loan loss allowance to noncurrent loans | 827.0270% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,011 |
| Noncurrent loans to loans | 0.0769% | 3,401 |
| Net loans and leases to total assets | 61.6122% | 2,165 |
| Net loans and leases to deposits | 70.8040% | 2,127 |
| Net loans and leases to core deposits | 71.8742% | 2,350 |
| Total domestic deposits to total assets | 87.0180% | 2,935 |
| Equity capital to assets | 8.4093% | 2,833 |
| Core capital (leverage) ratio | 9.4098% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1258% | 1,675 |
| Memoranda: | ||
| Average total assets | $75,602,333 | 4,254 |
| Average earning assets | $68,640,000 | 4,260 |
| Average equity | $6,920,667 | 4,326 |
| Average total loans | $48,311,333 | 3,989 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 828 |
| Cost of funding earning assets | 0.7043% | 147 |
| Net interest margin | 3.2610% | 1,681 |
| Noninterest income to average assets | 0.1179% | 4,414 |
| Noninterest expense to average assets | 2.3694% | 2,271 |
| Loan and lease loss provision to assets | 0.0268% | 1,885 |
| Net operating income to assets | 0.6754% | 3,141 |
| Return on assets (ROA) | 0.7612% | 2,801 |
| Pretax return on assets | 0.7612% | 3,222 |
| Return on Equity (ROE) | 7.9781% | 2,701 |
| Retained earnings to average equity (ytd only) | -1.7979% | 4,236 |
| Net charge-offs to loans | 0.6279% | 108 |
| Credit loss provision to net charge-offs | 6.5789% | 1,323 |
| Earnings coverage of net charge-offs (x) | 1.7237% | 1,730 |
| Efficiency ratio | 77.1379% | 1,393 |
| Assets per employee ($millions) | 6.7528% | 2,186 |
| Cash dividends to net income (ytd only)* | 122.5352% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 4,289 |
| Loan loss allowance to noncurrent loans | 829.5455% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 3,022 |
| Noncurrent loans to loans | 0.0931% | 3,376 |
| Net loans and leases to total assets | 63.1629% | 1,724 |
| Net loans and leases to deposits | 73.4448% | 1,660 |
| Net loans and leases to core deposits | 74.6187% | 1,888 |
| Total domestic deposits to total assets | 86.0005% | 3,261 |
| Equity capital to assets | 9.1867% | 2,537 |
| Core capital (leverage) ratio | 9.3115% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4466% | 1,656 |
| Memoranda: | ||
| Average total assets | $74,619,000 | 4,289 |
| Average earning assets | $67,587,000 | 4,297 |
| Average equity | $7,119,500 | 4,351 |
| Average total loans | $48,418,000 | 3,996 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 722 |
| Cost of funding earning assets | 0.8541% | 148 |
| Net interest margin | 3.5414% | 1,624 |
| Noninterest income to average assets | 0.1713% | 4,299 |
| Noninterest expense to average assets | 2.7563% | 1,469 |
| Loan and lease loss provision to assets | 0.0329% | 2,393 |
| Net operating income to assets | 0.5889% | 3,900 |
| Return on assets (ROA) | 0.5889% | 3,943 |
| Pretax return on assets | 0.5889% | 4,126 |
| Return on Equity (ROE) | 6.4171% | 3,671 |
| Retained earnings to average equity (ytd only) | -5.5557% | 4,718 |
| Net charge-offs to loans | 0.2089% | 454 |
| Credit loss provision to net charge-offs | 22.7273% | 2,269 |
| Earnings coverage of net charge-offs (x) | 4.2909% | 2,498 |
| Efficiency ratio | 81.5913% | 711 |
| Assets per employee ($millions) | 6.8143% | 2,053 |
| Cash dividends to net income (ytd only)* | 186.5772% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,109 |
| Loan loss allowance to noncurrent loans | 196.3964% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 1,827 |
| Noncurrent loans to loans | 0.4480% | 2,014 |
| Net loans and leases to total assets | 65.5269% | 1,527 |
| Net loans and leases to deposits | 77.4093% | 1,454 |
| Net loans and leases to core deposits | 79.3169% | 1,652 |
| Total domestic deposits to total assets | 84.6499% | 3,379 |
| Equity capital to assets | 9.8923% | 2,762 |
| Core capital (leverage) ratio | 9.0588% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1475% | 1,797 |
| Memoranda: | ||
| Average total assets | $75,897,800 | 4,268 |
| Average earning assets | $68,729,600 | 4,282 |
| Average equity | $6,965,800 | 4,424 |
| Average total loans | $52,658,600 | 3,952 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 659 |
| Cost of funding earning assets | 0.8645% | 186 |
| Net interest margin | 3.6473% | 1,475 |
| Noninterest income to average assets | 0.1664% | 4,370 |
| Noninterest expense to average assets | 2.7267% | 1,519 |
| Loan and lease loss provision to assets | 0.0263% | 2,475 |
| Net operating income to assets | 0.7233% | 3,713 |
| Return on assets (ROA) | 0.7233% | 3,775 |
| Pretax return on assets | 0.7233% | 4,028 |
| Return on Equity (ROE) | 8.0346% | 3,395 |
| Retained earnings to average equity (ytd only) | -8.1903% | 4,830 |
| Net charge-offs to loans | 0.3044% | 254 |
| Credit loss provision to net charge-offs | 12.2951% | 2,017 |
| Earnings coverage of net charge-offs (x) | 3.5082% | 2,306 |
| Efficiency ratio | 78.4383% | 841 |
| Assets per employee ($millions) | 7.0472% | 1,834 |
| Cash dividends to net income (ytd only)* | 201.9370% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,360 |
| Loan loss allowance to noncurrent loans | 291.5493% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 2,309 |
| Noncurrent loans to loans | 0.2714% | 2,830 |
| Net loans and leases to total assets | 66.9578% | 1,435 |
| Net loans and leases to deposits | 78.8099% | 1,401 |
| Net loans and leases to core deposits | 80.9877% | 1,648 |
| Total domestic deposits to total assets | 84.9611% | 3,129 |
| Equity capital to assets | 8.9772% | 3,855 |
| Core capital (leverage) ratio | 8.7216% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6386% | 2,489 |
| Memoranda: | ||
| Average total assets | $76,133,000 | 4,322 |
| Average earning assets | $69,090,500 | 4,324 |
| Average equity | $6,853,500 | 4,498 |
| Average total loans | $53,435,000 | 3,994 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 814 |
| Cost of funding earning assets | 0.8990% | 190 |
| Net interest margin | 3.5351% | 1,753 |
| Noninterest income to average assets | 0.1692% | 4,359 |
| Noninterest expense to average assets | 2.6932% | 1,605 |
| Loan and lease loss provision to assets | 0.0132% | 2,689 |
| Net operating income to assets | 0.6740% | 3,821 |
| Return on assets (ROA) | 0.6740% | 3,888 |
| Pretax return on assets | 0.6740% | 4,115 |
| Return on Equity (ROE) | 7.4798% | 3,537 |
| Retained earnings to average equity (ytd only) | -2.0533% | 4,669 |
| Net charge-offs to loans | -0.0186% | 3,966 |
| Credit loss provision to net charge-offs | -100.0000% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6716% | 809 |
| Assets per employee ($millions) | 6.8536% | 1,907 |
| Cash dividends to net income (ytd only)* | 127.4510% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,813 |
| Loan loss allowance to noncurrent loans | 198.8764% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 1,696 |
| Noncurrent loans to loans | 0.5043% | 2,164 |
| Net loans and leases to total assets | 69.5278% | 1,259 |
| Net loans and leases to deposits | 82.6571% | 1,155 |
| Net loans and leases to core deposits | 85.0249% | 1,491 |
| Total domestic deposits to total assets | 84.1159% | 3,392 |
| Equity capital to assets | 9.4999% | 3,328 |
| Core capital (leverage) ratio | 8.9221% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7552% | 2,071 |
| Memoranda: | ||
| Average total assets | $75,671,000 | 4,353 |
| Average earning assets | $68,740,000 | 4,358 |
| Average equity | $6,818,333 | 4,525 |
| Average total loans | $53,807,000 | 4,008 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 879 |
| Cost of funding earning assets | 0.9722% | 158 |
| Net interest margin | 3.4520% | 1,956 |
| Noninterest income to average assets | 0.1214% | 4,586 |
| Noninterest expense to average assets | 2.8175% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4327% | 4,307 |
| Return on assets (ROA) | 0.4327% | 4,337 |
| Pretax return on assets | 0.4327% | 4,446 |
| Return on Equity (ROE) | 4.9349% | 4,099 |
| Retained earnings to average equity (ytd only) | -14.6242% | 4,877 |
| Net charge-offs to loans | 0.0074% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 692 |
| Efficiency ratio | 86.6883% | 488 |
| Assets per employee ($millions) | 7.0658% | 1,753 |
| Cash dividends to net income (ytd only)* | 396.3415% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,057 |
| Loan loss allowance to noncurrent loans | 358.6207% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 2,312 |
| Noncurrent loans to loans | 0.2612% | 3,172 |
| Net loans and leases to total assets | 70.7478% | 1,186 |
| Net loans and leases to deposits | 83.3152% | 1,215 |
| Net loans and leases to core deposits | 86.0007% | 1,523 |
| Total domestic deposits to total assets | 84.9159% | 3,134 |
| Equity capital to assets | 8.8660% | 3,820 |
| Core capital (leverage) ratio | 8.6948% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6263% | 2,436 |
| Memoranda: | ||
| Average total assets | $75,811,500 | 4,371 |
| Average earning assets | $68,713,000 | 4,376 |
| Average equity | $6,646,500 | 4,566 |
| Average total loans | $54,236,500 | 4,022 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 354 |
| Cost of funding earning assets | 1.2591% | 214 |
| Net interest margin | 3.9111% | 1,182 |
| Noninterest income to average assets | 0.1499% | 4,545 |
| Noninterest expense to average assets | 2.4676% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1909% | 1,580 |
| Return on assets (ROA) | 1.1909% | 1,687 |
| Pretax return on assets | 1.1909% | 2,356 |
| Return on Equity (ROE) | 13.2511% | 981 |
| Retained earnings to average equity (ytd only) | 1.3823% | 4,072 |
| Net charge-offs to loans | -0.0037% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4473% | 2,307 |
| Assets per employee ($millions) | 6.7181% | 1,771 |
| Cash dividends to net income (ytd only)* | 89.5683% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,925 |
| Loan loss allowance to noncurrent loans | 345.0331% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 2,001 |
| Noncurrent loans to loans | 0.2851% | 3,179 |
| Net loans and leases to total assets | 70.9671% | 1,429 |
| Net loans and leases to deposits | 83.5748% | 1,498 |
| Net loans and leases to core deposits | 87.3848% | 1,755 |
| Total domestic deposits to total assets | 84.9145% | 2,801 |
| Equity capital to assets | 8.6632% | 4,330 |
| Core capital (leverage) ratio | 8.3046% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9177% | 2,663 |
| Memoranda: | ||
| Average total assets | $70,028,600 | 4,388 |
| Average earning assets | $62,821,200 | 4,403 |
| Average equity | $6,293,800 | 4,607 |
| Average total loans | $54,498,800 | 4,009 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 339 |
| Cost of funding earning assets | 1.3031% | 242 |
| Net interest margin | 4.0125% | 1,088 |
| Noninterest income to average assets | 0.1564% | 4,510 |
| Noninterest expense to average assets | 2.5677% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1912% | 1,665 |
| Return on assets (ROA) | 1.1912% | 1,788 |
| Pretax return on assets | 1.1912% | 2,420 |
| Return on Equity (ROE) | 13.1272% | 1,071 |
| Retained earnings to average equity (ytd only) | 2.6807% | 3,657 |
| Net charge-offs to loans | 0.0049% | 2,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 350 |
| Efficiency ratio | 68.3102% | 2,141 |
| Assets per employee ($millions) | 6.5540% | 1,789 |
| Cash dividends to net income (ytd only)* | 79.5786% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,012 |
| Loan loss allowance to noncurrent loans | 331.4103% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 2,204 |
| Noncurrent loans to loans | 0.2772% | 3,298 |
| Net loans and leases to total assets | 77.3435% | 921 |
| Net loans and leases to deposits | 91.6126% | 1,108 |
| Net loans and leases to core deposits | 94.8090% | 1,560 |
| Total domestic deposits to total assets | 84.4245% | 2,666 |
| Equity capital to assets | 8.8607% | 4,210 |
| Core capital (leverage) ratio | 8.7387% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2893% | 2,841 |
| Memoranda: | ||
| Average total assets | $69,061,000 | 4,409 |
| Average earning assets | $62,004,250 | 4,430 |
| Average equity | $6,266,750 | 4,633 |
| Average total loans | $54,882,250 | 4,026 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 423 |
| Cost of funding earning assets | 1.3281% | 318 |
| Net interest margin | 4.0456% | 1,230 |
| Noninterest income to average assets | 0.1352% | 4,626 |
| Noninterest expense to average assets | 2.5452% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2696% | 1,436 |
| Return on assets (ROA) | 1.2696% | 1,558 |
| Pretax return on assets | 1.2696% | 2,133 |
| Return on Equity (ROE) | 13.8765% | 910 |
| Retained earnings to average equity (ytd only) | 4.5292% | 2,693 |
| Net charge-offs to loans | 0.0882% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,789 |
| Efficiency ratio | 66.7180% | 2,414 |
| Assets per employee ($millions) | 6.2714% | 1,975 |
| Cash dividends to net income (ytd only)* | 67.3611% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,034 |
| Loan loss allowance to noncurrent loans | 170.6897% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 2,225 |
| Noncurrent loans to loans | 0.5212% | 2,599 |
| Net loans and leases to total assets | 79.9464% | 600 |
| Net loans and leases to deposits | 95.8331% | 815 |
| Net loans and leases to core deposits | 98.9273% | 1,334 |
| Total domestic deposits to total assets | 83.4225% | 2,953 |
| Equity capital to assets | 9.2774% | 3,855 |
| Core capital (leverage) ratio | 8.9190% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2183% | 2,911 |
| Memoranda: | ||
| Average total assets | $68,050,333 | 4,433 |
| Average earning assets | $61,894,667 | 4,437 |
| Average equity | $6,226,333 | 4,660 |
| Average total loans | $54,417,333 | 4,048 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4243% | 439 |
| Cost of funding earning assets | 1.3609% | 470 |
| Net interest margin | 4.0633% | 1,216 |
| Noninterest income to average assets | 0.1480% | 4,626 |
| Noninterest expense to average assets | 2.5746% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2843% | 1,282 |
| Return on assets (ROA) | 1.2843% | 1,376 |
| Pretax return on assets | 1.2843% | 1,916 |
| Return on Equity (ROE) | 14.1380% | 669 |
| Retained earnings to average equity (ytd only) | -4.8212% | 4,507 |
| Net charge-offs to loans | 0.1115% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 14.4667% | 1,596 |
| Efficiency ratio | 66.7178% | 2,860 |
| Assets per employee ($millions) | 6.1100% | 1,588 |
| Cash dividends to net income (ytd only)* | 134.1014% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 3,952 |
| Loan loss allowance to noncurrent loans | 226.0090% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 2,680 |
| Noncurrent loans to loans | 0.4179% | 2,996 |
| Net loans and leases to total assets | 78.6550% | 884 |
| Net loans and leases to deposits | 94.5858% | 1,030 |
| Net loans and leases to core deposits | 99.0983% | 1,543 |
| Total domestic deposits to total assets | 83.1573% | 3,061 |
| Equity capital to assets | 9.1623% | 4,497 |
| Core capital (leverage) ratio | 8.7119% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0853% | 3,072 |
| Memoranda: | ||
| Average total assets | $67,583,000 | 4,446 |
| Average earning assets | $61,722,500 | 4,457 |
| Average equity | $6,139,500 | 4,704 |
| Average total loans | $53,803,000 | 4,073 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 484 |
| Cost of funding earning assets | 1.3549% | 647 |
| Net interest margin | 4.2377% | 1,237 |
| Noninterest income to average assets | 0.1911% | 4,524 |
| Noninterest expense to average assets | 2.8913% | 2,315 |
| Loan and lease loss provision to assets | 0.0841% | 2,326 |
| Net operating income to assets | 1.1467% | 2,267 |
| Return on assets (ROA) | 1.1421% | 2,380 |
| Pretax return on assets | 1.1421% | 3,037 |
| Return on Equity (ROE) | 12.7540% | 1,256 |
| Retained earnings to average equity (ytd only) | -1.7586% | 4,860 |
| Net charge-offs to loans | 0.0146% | 3,180 |
| Credit loss provision to net charge-offs | 687.5000% | 462 |
| Earnings coverage of net charge-offs (x) | 100.6250% | 673 |
| Efficiency ratio | 70.1409% | 2,149 |
| Assets per employee ($millions) | 5.6630% | 1,910 |
| Cash dividends to net income (ytd only)* | 113.7885% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,716 |
| Loan loss allowance to noncurrent loans | 180.8362% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,144 |
| Noncurrent loans to loans | 0.5291% | 2,594 |
| Net loans and leases to total assets | 79.0497% | 923 |
| Net loans and leases to deposits | 94.8931% | 1,062 |
| Net loans and leases to core deposits | 101.1200% | 1,476 |
| Total domestic deposits to total assets | 83.3039% | 3,103 |
| Equity capital to assets | 9.0073% | 4,682 |
| Core capital (leverage) ratio | 8.8848% | 4,612 |
| Tier 1 risk-based capital ratio | 11.0726% | 4,830 |
| Total risk-based capital ratio | 12.0293% | 4,838 |
| Memoranda: | ||
| Average total assets | $65,403,000 | 4,508 |
| Average earning assets | $60,670,400 | 4,499 |
| Average equity | $5,857,000 | 4,776 |
| Average total loans | $54,808,600 | 4,082 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 475 |
| Cost of funding earning assets | 1.3410% | 691 |
| Net interest margin | 4.2770% | 1,213 |
| Noninterest income to average assets | 0.1626% | 4,734 |
| Noninterest expense to average assets | 3.0057% | 1,965 |
| Loan and lease loss provision to assets | 0.0926% | 2,056 |
| Net operating income to assets | 1.0499% | 2,786 |
| Return on assets (ROA) | 1.0437% | 2,893 |
| Pretax return on assets | 1.0437% | 3,465 |
| Return on Equity (ROE) | 11.6729% | 1,727 |
| Retained earnings to average equity (ytd only) | -7.8971% | 5,123 |
| Net charge-offs to loans | -0.0558% | 4,860 |
| Credit loss provision to net charge-offs | -195.6522% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4566% | 1,771 |
| Assets per employee ($millions) | 5.9603% | 1,633 |
| Cash dividends to net income (ytd only)* | 167.6544% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 3,757 |
| Loan loss allowance to noncurrent loans | 176.4706% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 1,552 |
| Noncurrent loans to loans | 0.5470% | 2,658 |
| Net loans and leases to total assets | 84.5080% | 297 |
| Net loans and leases to deposits | 101.2722% | 544 |
| Net loans and leases to core deposits | 108.6840% | 1,010 |
| Total domestic deposits to total assets | 83.4465% | 3,011 |
| Equity capital to assets | 8.7519% | 4,896 |
| Core capital (leverage) ratio | 8.6250% | 4,874 |
| Tier 1 risk-based capital ratio | 10.2553% | 5,142 |
| Total risk-based capital ratio | 11.2430% | 5,138 |
| Memoranda: | ||
| Average total assets | $64,764,750 | 4,578 |
| Average earning assets | $60,352,500 | 4,564 |
| Average equity | $5,791,000 | 4,845 |
| Average total loans | $54,951,250 | 4,126 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 548 |
| Cost of funding earning assets | 1.2751% | 805 |
| Net interest margin | 4.2438% | 1,258 |
| Noninterest income to average assets | 0.1457% | 4,843 |
| Noninterest expense to average assets | 3.1567% | 1,599 |
| Loan and lease loss provision to assets | 0.0930% | 1,987 |
| Net operating income to assets | 0.8589% | 3,435 |
| Return on assets (ROA) | 0.8496% | 3,529 |
| Pretax return on assets | 0.8496% | 3,974 |
| Return on Equity (ROE) | 9.4342% | 2,667 |
| Retained earnings to average equity (ytd only) | -1.9626% | 4,903 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8302% | 1,296 |
| Assets per employee ($millions) | 5.9839% | 1,557 |
| Cash dividends to net income (ytd only)* | 120.8029% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,139 |
| Loan loss allowance to noncurrent loans | 152.1212% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 1,548 |
| Noncurrent loans to loans | 0.5851% | 2,508 |
| Net loans and leases to total assets | 84.9247% | 293 |
| Net loans and leases to deposits | 104.8308% | 388 |
| Net loans and leases to core deposits | 112.7107% | 837 |
| Total domestic deposits to total assets | 81.0112% | 3,809 |
| Equity capital to assets | 8.9528% | 4,821 |
| Core capital (leverage) ratio | 8.9417% | 4,680 |
| Tier 1 risk-based capital ratio | 10.4927% | 5,107 |
| Total risk-based capital ratio | 11.4019% | 5,133 |
| Memoranda: | ||
| Average total assets | $64,498,670 | 4,618 |
| Average earning assets | $60,229,670 | 4,601 |
| Average equity | $5,808,670 | 4,875 |
| Average total loans | $54,619,670 | 4,157 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 545 |
| Cost of funding earning assets | 1.2815% | 700 |
| Net interest margin | 4.1933% | 1,316 |
| Noninterest income to average assets | 0.1253% | 4,979 |
| Noninterest expense to average assets | 3.3460% | 1,205 |
| Loan and lease loss provision to assets | 0.0940% | 1,852 |
| Net operating income to assets | 0.6015% | 4,241 |
| Return on assets (ROA) | 0.5827% | 4,326 |
| Pretax return on assets | 0.5827% | 4,545 |
| Return on Equity (ROE) | 6.4511% | 3,858 |
| Retained earnings to average equity (ytd only) | -16.5091% | 5,225 |
| Net charge-offs to loans | 0.0298% | 1,860 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,373 |
| Efficiency ratio | 82.7907% | 810 |
| Assets per employee ($millions) | 5.8463% | 1,667 |
| Cash dividends to net income (ytd only)* | 355.9140% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 4,201 |
| Loan loss allowance to noncurrent loans | 161.5385% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 2,182 |
| Noncurrent loans to loans | 0.5512% | 2,669 |
| Net loans and leases to total assets | 83.5995% | 410 |
| Net loans and leases to deposits | 97.1292% | 878 |
| Net loans and leases to core deposits | 106.6051% | 1,129 |
| Total domestic deposits to total assets | 86.0704% | 2,251 |
| Equity capital to assets | 8.8137% | 4,811 |
| Core capital (leverage) ratio | 8.7994% | 4,796 |
| Tier 1 risk-based capital ratio | 10.5332% | 5,173 |
| Total risk-based capital ratio | 11.4398% | 5,196 |
| Memoranda: | ||
| Average total assets | $63,836,500 | 4,679 |
| Average earning assets | $59,619,000 | 4,659 |
| Average equity | $5,766,500 | 4,922 |
| Average total loans | $53,728,500 | 4,223 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2346% | 659 |
| Cost of funding earning assets | 1.1319% | 454 |
| Net interest margin | 4.1027% | 1,672 |
| Noninterest income to average assets | 0.2222% | 4,592 |
| Noninterest expense to average assets | 2.5602% | 3,439 |
| Loan and lease loss provision to assets | 0.0932% | 2,290 |
| Net operating income to assets | 1.3190% | 1,724 |
| Return on assets (ROA) | 1.3205% | 1,710 |
| Pretax return on assets | 1.3205% | 2,432 |
| Return on Equity (ROE) | 15.1683% | 789 |
| Retained earnings to average equity (ytd only) | 1.9808% | 4,359 |
| Net charge-offs to loans | 0.0295% | 2,811 |
| Credit loss provision to net charge-offs | 400.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 1,014 |
| Efficiency ratio | 64.4505% | 3,127 |
| Assets per employee ($millions) | 5.7604% | 1,710 |
| Cash dividends to net income (ytd only)* | 86.9412% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,218 |
| Loan loss allowance to noncurrent loans | 195.0413% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 2,390 |
| Noncurrent loans to loans | 0.4548% | 2,900 |
| Net loans and leases to total assets | 83.2334% | 491 |
| Net loans and leases to deposits | 97.2668% | 953 |
| Net loans and leases to core deposits | 106.5325% | 1,227 |
| Total domestic deposits to total assets | 85.5722% | 2,405 |
| Equity capital to assets | 9.2560% | 4,364 |
| Core capital (leverage) ratio | 9.1237% | 4,538 |
| Tier 1 risk-based capital ratio | 11.2409% | 4,842 |
| Total risk-based capital ratio | 12.1479% | 4,908 |
| Memoranda: | ||
| Average total assets | $64,369,200 | 4,685 |
| Average earning assets | $58,839,400 | 4,697 |
| Average equity | $5,603,800 | 4,954 |
| Average total loans | $50,807,000 | 4,300 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 693 |
| Cost of funding earning assets | 1.1146% | 369 |
| Net interest margin | 4.0331% | 1,846 |
| Noninterest income to average assets | 0.1733% | 4,918 |
| Noninterest expense to average assets | 2.6369% | 3,175 |
| Loan and lease loss provision to assets | 0.0928% | 2,123 |
| Net operating income to assets | 1.1018% | 2,658 |
| Return on assets (ROA) | 1.1039% | 2,660 |
| Pretax return on assets | 1.1039% | 3,381 |
| Return on Equity (ROE) | 12.8793% | 1,481 |
| Retained earnings to average equity (ytd only) | -4.9109% | 5,314 |
| Net charge-offs to loans | 0.1169% | 1,339 |
| Credit loss provision to net charge-offs | 102.2727% | 2,224 |
| Earnings coverage of net charge-offs (x) | 13.1580% | 2,391 |
| Efficiency ratio | 68.8207% | 2,386 |
| Assets per employee ($millions) | 5.7955% | 1,647 |
| Cash dividends to net income (ytd only)* | 138.1302% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,558 |
| Loan loss allowance to noncurrent loans | 217.2589% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,456 |
| Noncurrent loans to loans | 0.3753% | 3,304 |
| Net loans and leases to total assets | 81.6627% | 767 |
| Net loans and leases to deposits | 94.7872% | 1,288 |
| Net loans and leases to core deposits | 105.0847% | 1,371 |
| Total domestic deposits to total assets | 86.1537% | 2,119 |
| Equity capital to assets | 8.5929% | 4,867 |
| Core capital (leverage) ratio | 8.8891% | 4,813 |
| Tier 1 risk-based capital ratio | 10.6079% | 5,210 |
| Total risk-based capital ratio | 11.4282% | 5,268 |
| Memoranda: | ||
| Average total assets | $64,620,500 | 4,729 |
| Average earning assets | $58,612,750 | 4,744 |
| Average equity | $5,538,500 | 5,018 |
| Average total loans | $50,205,750 | 4,356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 691 |
| Cost of funding earning assets | 1.0876% | 307 |
| Net interest margin | 3.9912% | 1,890 |
| Noninterest income to average assets | 0.1602% | 5,024 |
| Noninterest expense to average assets | 2.7607% | 2,802 |
| Loan and lease loss provision to assets | 0.0924% | 2,068 |
| Net operating income to assets | 0.9028% | 3,442 |
| Return on assets (ROA) | 0.9028% | 3,448 |
| Pretax return on assets | 0.9028% | 3,956 |
| Return on Equity (ROE) | 10.5421% | 2,313 |
| Retained earnings to average equity (ytd only) | -16.0470% | 5,479 |
| Net charge-offs to loans | 0.0324% | 2,202 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 40.3750% | 1,287 |
| Efficiency ratio | 73.5029% | 1,783 |
| Assets per employee ($millions) | 6.3196% | 1,259 |
| Cash dividends to net income (ytd only)* | 252.2184% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 4,359 |
| Loan loss allowance to noncurrent loans | 444.5545% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 3,064 |
| Noncurrent loans to loans | 0.2015% | 4,000 |
| Net loans and leases to total assets | 78.5936% | 1,230 |
| Net loans and leases to deposits | 89.8594% | 1,854 |
| Net loans and leases to core deposits | 101.5851% | 1,593 |
| Total domestic deposits to total assets | 87.4628% | 1,662 |
| Equity capital to assets | 8.3929% | 5,020 |
| Core capital (leverage) ratio | 8.2570% | 5,231 |
| Tier 1 risk-based capital ratio | 10.4508% | 5,291 |
| Total risk-based capital ratio | 11.3373% | 5,340 |
| Memoranda: | ||
| Average total assets | $64,910,670 | 4,775 |
| Average earning assets | $58,478,330 | 4,804 |
| Average equity | $5,558,670 | 5,067 |
| Average total loans | $49,445,000 | 4,413 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 749 |
| Cost of funding earning assets | 1.0770% | 251 |
| Net interest margin | 3.8896% | 2,085 |
| Noninterest income to average assets | 0.1460% | 5,133 |
| Noninterest expense to average assets | 2.7795% | 2,774 |
| Loan and lease loss provision to assets | 0.0912% | 1,984 |
| Net operating income to assets | 0.7238% | 4,009 |
| Return on assets (ROA) | 0.7238% | 4,016 |
| Pretax return on assets | 0.7238% | 4,375 |
| Return on Equity (ROE) | 8.3714% | 3,206 |
| Retained earnings to average equity (ytd only) | -11.8888% | 5,405 |
| Net charge-offs to loans | 0.1710% | 847 |
| Credit loss provision to net charge-offs | 71.4286% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.3810% | 2,165 |
| Efficiency ratio | 77.3266% | 1,421 |
| Assets per employee ($millions) | 6.5911% | 1,153 |
| Cash dividends to net income (ytd only)* | 242.0168% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,640 |
| Loan loss allowance to noncurrent loans | 10,525.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 3,868 |
| Noncurrent loans to loans | 0.0081% | 4,976 |
| Net loans and leases to total assets | 74.5809% | 1,778 |
| Net loans and leases to deposits | 85.1262% | 2,279 |
| Net loans and leases to core deposits | 95.6995% | 1,999 |
| Total domestic deposits to total assets | 87.6121% | 1,843 |
| Equity capital to assets | 8.4371% | 5,024 |
| Core capital (leverage) ratio | 8.5785% | 5,082 |
| Tier 1 risk-based capital ratio | 10.9336% | 5,166 |
| Total risk-based capital ratio | 11.7600% | 5,257 |
| Memoranda: | ||
| Average total assets | $65,768,000 | 4,822 |
| Average earning assets | $58,310,000 | 4,865 |
| Average equity | $5,686,000 | 5,104 |
| Average total loans | $49,109,000 | 4,463 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 481 |
| Cost of funding earning assets | 1.0421% | 174 |
| Net interest margin | 4.1130% | 1,393 |
| Noninterest income to average assets | 0.1763% | 5,076 |
| Noninterest expense to average assets | 2.4983% | 3,790 |
| Loan and lease loss provision to assets | 0.1668% | 1,319 |
| Net operating income to assets | 1.1658% | 1,630 |
| Return on assets (ROA) | 1.1737% | 1,624 |
| Pretax return on assets | 1.1737% | 2,878 |
| Return on Equity (ROE) | 13.1191% | 927 |
| Retained earnings to average equity (ytd only) | -0.2663% | 5,073 |
| Net charge-offs to loans | 0.2396% | 1,082 |
| Credit loss provision to net charge-offs | 89.7436% | 2,790 |
| Earnings coverage of net charge-offs (x) | 7.1709% | 3,077 |
| Efficiency ratio | 65.2156% | 3,403 |
| Assets per employee ($millions) | 6.5625% | 1,171 |
| Cash dividends to net income (ytd only)* | 102.0298% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,557 |
| Loan loss allowance to noncurrent loans | 239.1061% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,797 |
| Noncurrent loans to loans | 0.3680% | 3,442 |
| Net loans and leases to total assets | 73.4659% | 2,010 |
| Net loans and leases to deposits | 84.2676% | 2,461 |
| Net loans and leases to core deposits | 94.8439% | 2,124 |
| Total domestic deposits to total assets | 87.1817% | 1,907 |
| Equity capital to assets | 8.8549% | 4,853 |
| Core capital (leverage) ratio | 8.9002% | 4,753 |
| Tier 1 risk-based capital ratio | 11.6729% | 4,740 |
| Total risk-based capital ratio | 12.5435% | 4,860 |
| Memoranda: | ||
| Average total assets | $62,962,200 | 4,900 |
| Average earning assets | $55,944,400 | 4,951 |
| Average equity | $5,633,000 | 5,157 |
| Average total loans | $48,837,000 | 4,491 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 418 |
| Cost of funding earning assets | 1.0325% | 164 |
| Net interest margin | 4.1635% | 1,243 |
| Noninterest income to average assets | 0.1712% | 5,161 |
| Noninterest expense to average assets | 2.5041% | 3,718 |
| Loan and lease loss provision to assets | 0.1926% | 1,000 |
| Net operating income to assets | 1.1943% | 1,719 |
| Return on assets (ROA) | 1.2050% | 1,706 |
| Pretax return on assets | 1.2050% | 2,884 |
| Return on Equity (ROE) | 13.4320% | 954 |
| Retained earnings to average equity (ytd only) | -4.5569% | 5,533 |
| Net charge-offs to loans | 0.3791% | 556 |
| Credit loss provision to net charge-offs | 64.7482% | 2,751 |
| Earnings coverage of net charge-offs (x) | 4.6618% | 3,195 |
| Efficiency ratio | 64.3564% | 3,477 |
| Assets per employee ($millions) | 6.5957% | 1,129 |
| Cash dividends to net income (ytd only)* | 133.9253% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 4,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 74.3879% | 1,857 |
| Net loans and leases to deposits | 85.0949% | 2,419 |
| Net loans and leases to core deposits | 101.5397% | 1,578 |
| Total domestic deposits to total assets | 87.4176% | 1,660 |
| Equity capital to assets | 8.5586% | 5,250 |
| Core capital (leverage) ratio | 8.9032% | 4,857 |
| Tier 1 risk-based capital ratio | 11.1653% | 5,149 |
| Total risk-based capital ratio | 11.9501% | 5,301 |
| Memoranda: | ||
| Average total assets | $62,296,500 | 4,972 |
| Average earning assets | $55,656,750 | 5,016 |
| Average equity | $5,588,500 | 5,227 |
| Average total loans | $48,886,250 | 4,532 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 466 |
| Cost of funding earning assets | 1.0168% | 161 |
| Net interest margin | 4.0890% | 1,358 |
| Noninterest income to average assets | 0.1736% | 5,184 |
| Noninterest expense to average assets | 2.5575% | 3,561 |
| Loan and lease loss provision to assets | 0.1965% | 938 |
| Net operating income to assets | 1.0937% | 2,008 |
| Return on assets (ROA) | 1.1101% | 1,980 |
| Pretax return on assets | 1.1101% | 3,135 |
| Return on Equity (ROE) | 12.1731% | 1,247 |
| Retained earnings to average equity (ytd only) | -14.9021% | 5,703 |
| Net charge-offs to loans | 0.2177% | 941 |
| Credit loss provision to net charge-offs | 113.2075% | 1,851 |
| Earnings coverage of net charge-offs (x) | 7.4340% | 2,603 |
| Efficiency ratio | 66.4681% | 3,270 |
| Assets per employee ($millions) | 6.0414% | 1,430 |
| Cash dividends to net income (ytd only)* | 222.4189% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,656 |
| Loan loss allowance to noncurrent loans | 162.5455% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 3,287 |
| Noncurrent loans to loans | 0.5512% | 3,084 |
| Net loans and leases to total assets | 81.8403% | 687 |
| Net loans and leases to deposits | 94.4109% | 1,226 |
| Net loans and leases to core deposits | 114.8982% | 757 |
| Total domestic deposits to total assets | 86.6852% | 2,096 |
| Equity capital to assets | 8.9714% | 4,929 |
| Core capital (leverage) ratio | 8.7814% | 4,969 |
| Tier 1 risk-based capital ratio | 10.7752% | 5,352 |
| Total risk-based capital ratio | 11.6773% | 5,415 |
| Memoranda: | ||
| Average total assets | $61,076,330 | 5,038 |
| Average earning assets | $54,878,330 | 5,071 |
| Average equity | $5,569,670 | 5,262 |
| Average total loans | $48,696,670 | 4,562 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 463 |
| Cost of funding earning assets | 1.0032% | 162 |
| Net interest margin | 4.0715% | 1,296 |
| Noninterest income to average assets | 0.1889% | 5,146 |
| Noninterest expense to average assets | 2.4883% | 3,844 |
| Loan and lease loss provision to assets | 0.1954% | 852 |
| Net operating income to assets | 1.1269% | 1,764 |
| Return on assets (ROA) | 1.1269% | 1,798 |
| Pretax return on assets | 1.1269% | 2,876 |
| Return on Equity (ROE) | 12.2597% | 1,171 |
| Retained earnings to average equity (ytd only) | -8.5747% | 5,546 |
| Net charge-offs to loans | 0.3410% | 539 |
| Credit loss provision to net charge-offs | 73.1707% | 1,808 |
| Earnings coverage of net charge-offs (x) | 4.9512% | 2,331 |
| Efficiency ratio | 65.2991% | 3,617 |
| Assets per employee ($millions) | 6.0605% | 1,458 |
| Cash dividends to net income (ytd only)* | 169.9422% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,709 |
| Loan loss allowance to noncurrent loans | 116.2602% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,814 |
| Noncurrent loans to loans | 0.7853% | 2,493 |
| Net loans and leases to total assets | 76.8204% | 1,288 |
| Net loans and leases to deposits | 89.5499% | 1,590 |
| Net loans and leases to core deposits | 109.1555% | 920 |
| Total domestic deposits to total assets | 85.7850% | 2,762 |
| Equity capital to assets | 9.2633% | 4,551 |
| Core capital (leverage) ratio | 9.3539% | 4,274 |
| Tier 1 risk-based capital ratio | 11.6392% | 4,954 |
| Total risk-based capital ratio | 12.5256% | 5,059 |
| Memoranda: | ||
| Average total assets | $61,407,500 | 5,086 |
| Average earning assets | $54,623,500 | 5,129 |
| Average equity | $5,644,500 | 5,296 |
| Average total loans | $48,100,000 | 4,620 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 783 |
| Cost of funding earning assets | 0.9226% | 262 |
| Net interest margin | 3.9447% | 1,807 |
| Noninterest income to average assets | 0.1867% | 5,281 |
| Noninterest expense to average assets | 2.5038% | 3,995 |
| Loan and lease loss provision to assets | 0.1310% | 1,901 |
| Net operating income to assets | 1.2347% | 1,397 |
| Return on assets (ROA) | 1.2347% | 1,484 |
| Pretax return on assets | 1.2347% | 2,531 |
| Return on Equity (ROE) | 13.3930% | 910 |
| Retained earnings to average equity (ytd only) | -0.1421% | 5,324 |
| Net charge-offs to loans | 0.0982% | 2,309 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 2,050 |
| Efficiency ratio | 64.7059% | 3,816 |
| Assets per employee ($millions) | 6.2210% | 1,314 |
| Cash dividends to net income (ytd only)* | 101.0610% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,801 |
| Loan loss allowance to noncurrent loans | 116.4021% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,797 |
| Noncurrent loans to loans | 0.7681% | 2,613 |
| Net loans and leases to total assets | 78.4022% | 1,146 |
| Net loans and leases to deposits | 91.1272% | 1,556 |
| Net loans and leases to core deposits | 110.7619% | 847 |
| Total domestic deposits to total assets | 86.0360% | 2,564 |
| Equity capital to assets | 9.1223% | 4,680 |
| Core capital (leverage) ratio | 9.5304% | 4,044 |
| Tier 1 risk-based capital ratio | 11.6802% | 4,936 |
| Total risk-based capital ratio | 12.5733% | 5,059 |
| Memoranda: | ||
| Average total assets | $61,067,800 | 5,115 |
| Average earning assets | $57,013,800 | 5,103 |
| Average equity | $5,629,800 | 5,348 |
| Average total loans | $48,874,000 | 4,601 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 896 |
| Cost of funding earning assets | 0.9278% | 252 |
| Net interest margin | 3.8718% | 2,080 |
| Noninterest income to average assets | 0.1799% | 5,380 |
| Noninterest expense to average assets | 2.5007% | 3,982 |
| Loan and lease loss provision to assets | 0.1097% | 2,098 |
| Net operating income to assets | 1.2218% | 1,557 |
| Return on assets (ROA) | 1.2218% | 1,655 |
| Pretax return on assets | 1.2218% | 2,743 |
| Return on Equity (ROE) | 13.2179% | 994 |
| Retained earnings to average equity (ytd only) | -4.8648% | 5,731 |
| Net charge-offs to loans | 0.1476% | 1,519 |
| Credit loss provision to net charge-offs | 92.5926% | 2,489 |
| Earnings coverage of net charge-offs (x) | 11.2404% | 2,507 |
| Efficiency ratio | 65.2547% | 3,719 |
| Assets per employee ($millions) | 6.0178% | 1,421 |
| Cash dividends to net income (ytd only)* | 136.8033% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 5,142 |
| Loan loss allowance to noncurrent loans | 107.1618% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 3,031 |
| Noncurrent loans to loans | 0.7621% | 2,768 |
| Net loans and leases to total assets | 81.5331% | 682 |
| Net loans and leases to deposits | 96.2455% | 1,027 |
| Net loans and leases to core deposits | 117.5491% | 593 |
| Total domestic deposits to total assets | 84.7137% | 2,936 |
| Equity capital to assets | 9.6148% | 4,540 |
| Core capital (leverage) ratio | 9.1066% | 4,708 |
| Tier 1 risk-based capital ratio | 11.3763% | 5,169 |
| Total risk-based capital ratio | 12.2034% | 5,308 |
| Memoranda: | ||
| Average total assets | $60,782,250 | 5,170 |
| Average earning assets | $57,336,250 | 5,136 |
| Average equity | $5,618,500 | 5,402 |
| Average total loans | $48,789,000 | 4,651 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 782 |
| Cost of funding earning assets | 0.9288% | 251 |
| Net interest margin | 3.9345% | 1,864 |
| Noninterest income to average assets | 0.1738% | 5,452 |
| Noninterest expense to average assets | 2.4761% | 4,098 |
| Loan and lease loss provision to assets | 0.0984% | 2,192 |
| Net operating income to assets | 1.3085% | 1,250 |
| Return on assets (ROA) | 1.3085% | 1,348 |
| Pretax return on assets | 1.3085% | 2,371 |
| Return on Equity (ROE) | 14.3456% | 779 |
| Retained earnings to average equity (ytd only) | -13.0513% | 5,913 |
| Net charge-offs to loans | 0.0782% | 2,072 |
| Credit loss provision to net charge-offs | 157.8947% | 1,537 |
| Earnings coverage of net charge-offs (x) | 22.5789% | 1,621 |
| Efficiency ratio | 63.7669% | 4,062 |
| Assets per employee ($millions) | 6.3033% | 1,195 |
| Cash dividends to net income (ytd only)* | 190.9774% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 5,117 |
| Loan loss allowance to noncurrent loans | 143.9863% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 3,585 |
| Noncurrent loans to loans | 0.5932% | 3,289 |
| Net loans and leases to total assets | 77.1675% | 1,305 |
| Net loans and leases to deposits | 88.4527% | 1,922 |
| Net loans and leases to core deposits | 110.8981% | 880 |
| Total domestic deposits to total assets | 87.2416% | 1,786 |
| Equity capital to assets | 9.0936% | 5,169 |
| Core capital (leverage) ratio | 8.8731% | 4,973 |
| Tier 1 risk-based capital ratio | 11.1947% | 5,318 |
| Total risk-based capital ratio | 12.0634% | 5,442 |
| Memoranda: | ||
| Average total assets | $60,983,670 | 5,222 |
| Average earning assets | $57,492,000 | 5,185 |
| Average equity | $5,562,670 | 5,467 |
| Average total loans | $48,562,330 | 4,695 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 654 |
| Cost of funding earning assets | 0.9037% | 287 |
| Net interest margin | 4.0348% | 1,520 |
| Noninterest income to average assets | 0.1668% | 5,492 |
| Noninterest expense to average assets | 2.4083% | 4,338 |
| Loan and lease loss provision to assets | 0.1001% | 2,021 |
| Net operating income to assets | 1.4410% | 959 |
| Return on assets (ROA) | 1.4410% | 1,007 |
| Pretax return on assets | 1.4410% | 1,773 |
| Return on Equity (ROE) | 15.7722% | 561 |
| Retained earnings to average equity (ytd only) | -5.9146% | 5,657 |
| Net charge-offs to loans | -0.0331% | 5,108 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9797% | 4,605 |
| Assets per employee ($millions) | 5.9309% | 1,458 |
| Cash dividends to net income (ytd only)* | 137.5000% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,112 |
| Loan loss allowance to noncurrent loans | 140.9241% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,461 |
| Noncurrent loans to loans | 0.6268% | 3,289 |
| Net loans and leases to total assets | 80.7803% | 711 |
| Net loans and leases to deposits | 92.8992% | 1,236 |
| Net loans and leases to core deposits | 118.7567% | 505 |
| Total domestic deposits to total assets | 86.9548% | 2,231 |
| Equity capital to assets | 9.1908% | 4,995 |
| Core capital (leverage) ratio | 8.7181% | 5,157 |
| Tier 1 risk-based capital ratio | 11.1120% | 5,447 |
| Total risk-based capital ratio | 12.0105% | 5,537 |
| Memoranda: | ||
| Average total assets | $59,959,000 | 5,289 |
| Average earning assets | $56,210,500 | 5,262 |
| Average equity | $5,478,000 | 5,513 |
| Average total loans | $48,313,500 | 4,725 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 1,104 |
| Cost of funding earning assets | 0.9369% | 242 |
| Net interest margin | 3.7637% | 2,508 |
| Noninterest income to average assets | 0.2794% | 4,884 |
| Noninterest expense to average assets | 2.7023% | 3,572 |
| Loan and lease loss provision to assets | 0.0753% | 2,763 |
| Net operating income to assets | 1.0374% | 2,184 |
| Return on assets (ROA) | 1.2750% | 1,377 |
| Pretax return on assets | 1.2750% | 2,381 |
| Return on Equity (ROE) | 14.6826% | 738 |
| Retained earnings to average equity (ytd only) | 4.2391% | 2,972 |
| Net charge-offs to loans | 0.0961% | 2,460 |
| Credit loss provision to net charge-offs | 97.8261% | 2,602 |
| Earnings coverage of net charge-offs (x) | 14.4565% | 2,291 |
| Efficiency ratio | 70.8333% | 3,091 |
| Assets per employee ($millions) | 6.0609% | 1,339 |
| Cash dividends to net income (ytd only)* | 71.1286% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 5,279 |
| Loan loss allowance to noncurrent loans | 208.1633% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,188 |
| Noncurrent loans to loans | 0.4059% | 4,001 |
| Net loans and leases to total assets | 79.0015% | 994 |
| Net loans and leases to deposits | 96.4915% | 959 |
| Net loans and leases to core deposits | 126.3577% | 323 |
| Total domestic deposits to total assets | 81.8740% | 4,198 |
| Equity capital to assets | 9.0828% | 5,033 |
| Core capital (leverage) ratio | 8.8983% | 5,006 |
| Tier 1 risk-based capital ratio | 11.4046% | 5,312 |
| Total risk-based capital ratio | 12.2724% | 5,410 |
| Memoranda: | ||
| Average total assets | $59,763,600 | 5,327 |
| Average earning assets | $56,141,200 | 5,289 |
| Average equity | $5,189,800 | 5,613 |
| Average total loans | $47,876,200 | 4,730 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,249 |
| Cost of funding earning assets | 0.9493% | 222 |
| Net interest margin | 3.6834% | 2,833 |
| Noninterest income to average assets | 0.1903% | 5,521 |
| Noninterest expense to average assets | 2.7247% | 3,478 |
| Loan and lease loss provision to assets | 0.1008% | 2,166 |
| Net operating income to assets | 0.8396% | 3,222 |
| Return on assets (ROA) | 1.1575% | 1,877 |
| Pretax return on assets | 1.1575% | 2,991 |
| Return on Equity (ROE) | 13.4870% | 1,011 |
| Retained earnings to average equity (ytd only) | -0.6521% | 5,709 |
| Net charge-offs to loans | -0.1981% | 5,988 |
| Credit loss provision to net charge-offs | -63.3803% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3433% | 2,498 |
| Assets per employee ($millions) | 6.1258% | 1,283 |
| Cash dividends to net income (ytd only)* | 104.8352% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 4,450 |
| Loan loss allowance to noncurrent loans | 193.7269% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 3,301 |
| Noncurrent loans to loans | 0.5436% | 3,714 |
| Net loans and leases to total assets | 80.5185% | 748 |
| Net loans and leases to deposits | 99.6223% | 689 |
| Net loans and leases to core deposits | 137.5805% | 193 |
| Total domestic deposits to total assets | 80.8237% | 4,517 |
| Equity capital to assets | 8.3842% | 5,776 |
| Core capital (leverage) ratio | 8.4509% | 5,590 |
| Tier 1 risk-based capital ratio | 10.5933% | 5,840 |
| Total risk-based capital ratio | 11.6802% | 5,843 |
| Memoranda: | ||
| Average total assets | $59,552,250 | 5,401 |
| Average earning assets | $56,178,750 | 5,356 |
| Average equity | $5,111,000 | 5,700 |
| Average total loans | $47,772,750 | 4,790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 1,890 |
| Cost of funding earning assets | 0.9568% | 210 |
| Net interest margin | 3.4317% | 3,783 |
| Noninterest income to average assets | 0.1729% | 5,665 |
| Noninterest expense to average assets | 2.7364% | 3,466 |
| Loan and lease loss provision to assets | 0.1017% | 2,138 |
| Net operating income to assets | 0.5696% | 4,477 |
| Return on assets (ROA) | 1.0376% | 2,306 |
| Pretax return on assets | 1.0376% | 3,428 |
| Return on Equity (ROE) | 11.9937% | 1,372 |
| Retained earnings to average equity (ytd only) | -9.2501% | 6,162 |
| Net charge-offs to loans | -0.0297% | 5,328 |
| Credit loss provision to net charge-offs | -428.5714% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2985% | 1,716 |
| Assets per employee ($millions) | 6.0286% | 1,327 |
| Cash dividends to net income (ytd only)* | 177.1242% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 5,288 |
| Loan loss allowance to noncurrent loans | 165.1852% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 2,697 |
| Noncurrent loans to loans | 0.5473% | 3,812 |
| Net loans and leases to total assets | 81.0852% | 657 |
| Net loans and leases to deposits | 100.0532% | 654 |
| Net loans and leases to core deposits | 130.9308% | 257 |
| Total domestic deposits to total assets | 81.0420% | 4,608 |
| Equity capital to assets | 7.9504% | 6,005 |
| Core capital (leverage) ratio | 8.3687% | 5,661 |
| Tier 1 risk-based capital ratio | 10.3456% | 5,973 |
| Total risk-based capital ratio | 11.2861% | 6,029 |
| Memoranda: | ||
| Average total assets | $58,983,670 | 5,466 |
| Average earning assets | $55,600,000 | 5,424 |
| Average equity | $5,102,670 | 5,758 |
| Average total loans | $47,080,670 | 4,848 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 988 |
| Cost of funding earning assets | 0.9529% | 221 |
| Net interest margin | 3.7751% | 2,326 |
| Noninterest income to average assets | 0.1646% | 5,747 |
| Noninterest expense to average assets | 2.8869% | 2,951 |
| Loan and lease loss provision to assets | 0.1029% | 1,981 |
| Net operating income to assets | 0.7337% | 3,627 |
| Return on assets (ROA) | 1.0217% | 2,303 |
| Pretax return on assets | 1.0217% | 3,414 |
| Return on Equity (ROE) | 11.3362% | 1,541 |
| Retained earnings to average equity (ytd only) | -4.7171% | 5,916 |
| Net charge-offs to loans | -0.8965% | 6,310 |
| Credit loss provision to net charge-offs | -14.5631% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5322% | 2,261 |
| Assets per employee ($millions) | 5.2752% | 2,022 |
| Cash dividends to net income (ytd only)* | 141.6107% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 4,178 |
| Loan loss allowance to noncurrent loans | 195.1852% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 2,780 |
| Noncurrent loans to loans | 0.5964% | 3,789 |
| Net loans and leases to total assets | 77.1107% | 1,044 |
| Net loans and leases to deposits | 88.6461% | 1,544 |
| Net loans and leases to core deposits | 118.2010% | 449 |
| Total domestic deposits to total assets | 86.9871% | 2,374 |
| Equity capital to assets | 8.9889% | 5,306 |
| Core capital (leverage) ratio | 8.7342% | 5,288 |
| Tier 1 risk-based capital ratio | 12.3017% | 5,042 |
| Total risk-based capital ratio | 13.5513% | 4,959 |
| Memoranda: | ||
| Average total assets | $58,332,500 | 5,534 |
| Average earning assets | $54,991,500 | 5,492 |
| Average equity | $5,257,500 | 5,768 |
| Average total loans | $45,956,500 | 4,921 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 1,123 |
| Cost of funding earning assets | 1.0012% | 229 |
| Net interest margin | 3.7952% | 2,637 |
| Noninterest income to average assets | 0.2226% | 5,532 |
| Noninterest expense to average assets | 2.7864% | 3,538 |
| Loan and lease loss provision to assets | 0.2483% | 925 |
| Net operating income to assets | 0.7518% | 3,625 |
| Return on assets (ROA) | 0.9282% | 2,825 |
| Pretax return on assets | 0.9282% | 3,787 |
| Return on Equity (ROE) | 10.9966% | 1,724 |
| Retained earnings to average equity (ytd only) | 2.3332% | 4,568 |
| Net charge-offs to loans | 0.2656% | 1,625 |
| Credit loss provision to net charge-offs | 119.8347% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.8264% | 3,556 |
| Efficiency ratio | 73.5866% | 2,909 |
| Assets per employee ($millions) | 5.3307% | 1,925 |
| Cash dividends to net income (ytd only)* | 78.7823% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 5,543 |
| Loan loss allowance to noncurrent loans | 203.4826% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 3,209 |
| Noncurrent loans to loans | 0.4310% | 4,352 |
| Net loans and leases to total assets | 78.8431% | 900 |
| Net loans and leases to deposits | 89.9473% | 1,522 |
| Net loans and leases to core deposits | 119.3792% | 426 |
| Total domestic deposits to total assets | 87.6548% | 1,953 |
| Equity capital to assets | 9.0368% | 5,244 |
| Core capital (leverage) ratio | 8.5011% | 5,559 |
| Tier 1 risk-based capital ratio | 11.5954% | 5,608 |
| Total risk-based capital ratio | 12.5178% | 5,705 |
| Memoranda: | ||
| Average total assets | $58,389,800 | 5,589 |
| Average earning assets | $54,833,000 | 5,551 |
| Average equity | $4,928,800 | 5,874 |
| Average total loans | $45,564,200 | 4,974 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 1,199 |
| Cost of funding earning assets | 0.9911% | 257 |
| Net interest margin | 3.7548% | 2,792 |
| Noninterest income to average assets | 0.2446% | 5,455 |
| Noninterest expense to average assets | 2.7911% | 3,496 |
| Loan and lease loss provision to assets | 0.1029% | 2,318 |
| Net operating income to assets | 0.8755% | 3,045 |
| Return on assets (ROA) | 1.0195% | 2,424 |
| Pretax return on assets | 1.0195% | 3,522 |
| Return on Equity (ROE) | 12.2957% | 1,400 |
| Retained earnings to average equity (ytd only) | 0.5238% | 5,656 |
| Net charge-offs to loans | 0.2060% | 1,818 |
| Credit loss provision to net charge-offs | 64.2857% | 2,868 |
| Earnings coverage of net charge-offs (x) | 6.1143% | 3,139 |
| Efficiency ratio | 74.0449% | 2,815 |
| Assets per employee ($millions) | 5.4993% | 1,726 |
| Cash dividends to net income (ytd only)* | 95.7404% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 5,980 |
| Loan loss allowance to noncurrent loans | 85.3081% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 3,082 |
| Noncurrent loans to loans | 0.8852% | 3,357 |
| Net loans and leases to total assets | 78.2120% | 938 |
| Net loans and leases to deposits | 95.5451% | 919 |
| Net loans and leases to core deposits | 122.8660% | 332 |
| Total domestic deposits to total assets | 81.8588% | 4,528 |
| Equity capital to assets | 8.6425% | 5,684 |
| Core capital (leverage) ratio | 8.2368% | 5,896 |
| Tier 1 risk-based capital ratio | 11.0879% | 5,955 |
| Total risk-based capital ratio | 11.8790% | 6,113 |
| Memoranda: | ||
| Average total assets | $58,327,750 | 5,655 |
| Average earning assets | $54,755,000 | 5,620 |
| Average equity | $4,836,250 | 5,960 |
| Average total loans | $45,295,000 | 5,035 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 1,464 |
| Cost of funding earning assets | 0.9831% | 276 |
| Net interest margin | 3.6403% | 3,188 |
| Noninterest income to average assets | 0.1979% | 5,773 |
| Noninterest expense to average assets | 2.7775% | 3,583 |
| Loan and lease loss provision to assets | 0.1042% | 2,282 |
| Net operating income to assets | 0.7360% | 3,645 |
| Return on assets (ROA) | 0.7360% | 3,738 |
| Pretax return on assets | 0.7360% | 4,515 |
| Return on Equity (ROE) | 9.0104% | 2,592 |
| Retained earnings to average equity (ytd only) | -9.1379% | 6,400 |
| Net charge-offs to loans | 0.0944% | 2,727 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 11.5238% | 2,152 |
| Efficiency ratio | 76.7754% | 2,493 |
| Assets per employee ($millions) | 6.0010% | 1,277 |
| Cash dividends to net income (ytd only)* | 201.4151% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 5,832 |
| Loan loss allowance to noncurrent loans | 103.9578% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 3,391 |
| Noncurrent loans to loans | 0.8315% | 3,619 |
| Net loans and leases to total assets | 75.2991% | 1,263 |
| Net loans and leases to deposits | 88.1388% | 1,578 |
| Net loans and leases to core deposits | 113.0891% | 567 |
| Total domestic deposits to total assets | 85.4324% | 3,315 |
| Equity capital to assets | 8.2736% | 5,967 |
| Core capital (leverage) ratio | 8.2170% | 5,912 |
| Tier 1 risk-based capital ratio | 11.1788% | 5,972 |
| Total risk-based capital ratio | 12.0942% | 6,061 |
| Memoranda: | ||
| Average total assets | $57,606,330 | 5,724 |
| Average earning assets | $54,116,330 | 5,684 |
| Average equity | $4,705,670 | 6,035 |
| Average total loans | $44,502,670 | 5,101 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,411 |
| Cost of funding earning assets | 0.9798% | 299 |
| Net interest margin | 3.6552% | 3,039 |
| Noninterest income to average assets | 0.1773% | 5,904 |
| Noninterest expense to average assets | 2.7657% | 3,694 |
| Loan and lease loss provision to assets | 0.1064% | 2,146 |
| Net operating income to assets | 0.7446% | 3,458 |
| Return on assets (ROA) | 0.7446% | 3,541 |
| Pretax return on assets | 0.7446% | 4,330 |
| Return on Equity (ROE) | 9.1783% | 2,384 |
| Retained earnings to average equity (ytd only) | -5.3322% | 6,146 |
| Net charge-offs to loans | -0.0091% | 5,021 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 2,730 |
| Assets per employee ($millions) | 5.1473% | 2,076 |
| Cash dividends to net income (ytd only)* | 158.0952% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,805 |
| Loan loss allowance to noncurrent loans | 76.2357% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 2,856 |
| Noncurrent loans to loans | 1.2061% | 3,031 |
| Net loans and leases to total assets | 76.3176% | 965 |
| Net loans and leases to deposits | 90.1713% | 1,124 |
| Net loans and leases to core deposits | 109.9069% | 589 |
| Total domestic deposits to total assets | 84.6362% | 4,028 |
| Equity capital to assets | 8.1296% | 5,956 |
| Core capital (leverage) ratio | 8.1880% | 5,958 |
| Tier 1 risk-based capital ratio | 11.2220% | 6,060 |
| Total risk-based capital ratio | 12.2078% | 6,124 |
| Memoranda: | ||
| Average total assets | $56,404,500 | 5,800 |
| Average earning assets | $53,074,500 | 5,760 |
| Average equity | $4,576,000 | 6,106 |
| Average total loans | $43,963,500 | 5,165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 1,296 |
| Cost of funding earning assets | 1.1622% | 211 |
| Net interest margin | 3.6453% | 3,261 |
| Noninterest income to average assets | 0.2192% | 5,767 |
| Noninterest expense to average assets | 2.7344% | 3,978 |
| Loan and lease loss provision to assets | 0.1039% | 3,060 |
| Net operating income to assets | 0.8069% | 3,259 |
| Return on assets (ROA) | 0.8069% | 3,355 |
| Pretax return on assets | 0.8069% | 4,117 |
| Return on Equity (ROE) | 9.6746% | 2,252 |
| Retained earnings to average equity (ytd only) | 0.7703% | 5,491 |
| Net charge-offs to loans | 0.4039% | 1,670 |
| Credit loss provision to net charge-offs | 31.7919% | 4,218 |
| Earnings coverage of net charge-offs (x) | 2.7861% | 4,072 |
| Efficiency ratio | 75.0130% | 2,948 |
| Assets per employee ($millions) | 5.1081% | 2,058 |
| Cash dividends to net income (ytd only)* | 92.0375% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 6,012 |
| Loan loss allowance to noncurrent loans | 71.8284% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2280% | 2,949 |
| Noncurrent loans to loans | 1.2095% | 3,123 |
| Net loans and leases to total assets | 78.1826% | 806 |
| Net loans and leases to deposits | 91.1486% | 1,145 |
| Net loans and leases to core deposits | 113.1021% | 495 |
| Total domestic deposits to total assets | 85.7748% | 3,373 |
| Equity capital to assets | 8.0959% | 5,941 |
| Core capital (leverage) ratio | 8.3354% | 5,839 |
| Tier 1 risk-based capital ratio | 11.4663% | 5,920 |
| Total risk-based capital ratio | 12.4204% | 6,044 |
| Memoranda: | ||
| Average total assets | $52,918,800 | 5,941 |
| Average earning assets | $49,734,800 | 5,900 |
| Average equity | $4,413,600 | 6,230 |
| Average total loans | $42,830,600 | 5,239 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 1,270 |
| Cost of funding earning assets | 1.1978% | 202 |
| Net interest margin | 3.6396% | 3,281 |
| Noninterest income to average assets | 0.2098% | 5,919 |
| Noninterest expense to average assets | 2.7407% | 3,864 |
| Loan and lease loss provision to assets | 0.1075% | 2,965 |
| Net operating income to assets | 0.7831% | 3,438 |
| Return on assets (ROA) | 0.7831% | 3,564 |
| Pretax return on assets | 0.7831% | 4,360 |
| Return on Equity (ROE) | 9.3154% | 2,480 |
| Retained earnings to average equity (ytd only) | -2.6486% | 6,329 |
| Net charge-offs to loans | 0.5024% | 1,280 |
| Credit loss provision to net charge-offs | 26.2500% | 3,964 |
| Earnings coverage of net charge-offs (x) | 2.1750% | 4,113 |
| Efficiency ratio | 75.4757% | 2,817 |
| Assets per employee ($millions) | 4.8904% | 2,320 |
| Cash dividends to net income (ytd only)* | 128.4321% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,121 |
| Loan loss allowance to noncurrent loans | 56.3690% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 2,873 |
| Noncurrent loans to loans | 1.5516% | 2,838 |
| Net loans and leases to total assets | 81.1113% | 440 |
| Net loans and leases to deposits | 96.9859% | 626 |
| Net loans and leases to core deposits | 112.4591% | 491 |
| Total domestic deposits to total assets | 83.6320% | 4,333 |
| Equity capital to assets | 8.3374% | 5,884 |
| Core capital (leverage) ratio | 8.4771% | 5,792 |
| Tier 1 risk-based capital ratio | 10.0493% | 6,588 |
| Total risk-based capital ratio | 10.9079% | 6,644 |
| Memoranda: | ||
| Average total assets | $52,101,250 | 6,031 |
| Average earning assets | $48,978,000 | 5,992 |
| Average equity | $4,379,750 | 6,317 |
| Average total loans | $42,459,500 | 5,297 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 1,669 |
| Cost of funding earning assets | 1.2166% | 202 |
| Net interest margin | 3.4469% | 4,014 |
| Noninterest income to average assets | 0.1979% | 6,019 |
| Noninterest expense to average assets | 2.7049% | 4,012 |
| Loan and lease loss provision to assets | 0.1048% | 3,040 |
| Net operating income to assets | 0.6209% | 4,192 |
| Return on assets (ROA) | 0.6209% | 4,352 |
| Pretax return on assets | 0.6209% | 4,944 |
| Return on Equity (ROE) | 7.3653% | 3,411 |
| Retained earnings to average equity (ytd only) | -10.7258% | 6,681 |
| Net charge-offs to loans | 0.7153% | 911 |
| Credit loss provision to net charge-offs | 18.0000% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.2467% | 4,130 |
| Efficiency ratio | 78.8462% | 2,330 |
| Assets per employee ($millions) | 4.7181% | 2,486 |
| Cash dividends to net income (ytd only)* | 245.6250% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,191 |
| Loan loss allowance to noncurrent loans | 56.3798% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.5222% | 2,821 |
| Noncurrent loans to loans | 1.5609% | 2,966 |
| Net loans and leases to total assets | 82.4659% | 326 |
| Net loans and leases to deposits | 98.8932% | 490 |
| Net loans and leases to core deposits | 115.4016% | 409 |
| Total domestic deposits to total assets | 83.3889% | 4,555 |
| Equity capital to assets | 7.9732% | 6,218 |
| Core capital (leverage) ratio | 8.1306% | 6,079 |
| Tier 1 risk-based capital ratio | 9.7112% | 6,692 |
| Total risk-based capital ratio | 10.5983% | 6,722 |
| Memoranda: | ||
| Average total assets | $51,537,000 | 6,083 |
| Average earning assets | $48,333,000 | 6,033 |
| Average equity | $4,344,670 | 6,377 |
| Average total loans | $41,940,000 | 5,336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 1,577 |
| Cost of funding earning assets | 1.2503% | 190 |
| Net interest margin | 3.4340% | 3,987 |
| Noninterest income to average assets | 0.1947% | 6,083 |
| Noninterest expense to average assets | 2.6949% | 4,083 |
| Loan and lease loss provision to assets | 0.1168% | 2,775 |
| Net operating income to assets | 0.5919% | 4,257 |
| Return on assets (ROA) | 0.5919% | 4,402 |
| Pretax return on assets | 0.5919% | 4,974 |
| Return on Equity (ROE) | 6.8345% | 3,575 |
| Retained earnings to average equity (ytd only) | -8.2734% | 6,537 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1762% | 2,444 |
| Assets per employee ($millions) | 4.5555% | 2,870 |
| Cash dividends to net income (ytd only)* | 221.0526% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,789 |
| Loan loss allowance to noncurrent loans | 59.1324% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9796% | 2,368 |
| Noncurrent loans to loans | 2.1677% | 2,426 |
| Net loans and leases to total assets | 79.6093% | 458 |
| Net loans and leases to deposits | 90.4275% | 928 |
| Net loans and leases to core deposits | 109.0032% | 529 |
| Total domestic deposits to total assets | 88.0366% | 2,283 |
| Equity capital to assets | 8.7785% | 5,726 |
| Core capital (leverage) ratio | 8.4582% | 5,639 |
| Tier 1 risk-based capital ratio | 10.4932% | 6,579 |
| Total risk-based capital ratio | 11.7572% | 6,558 |
| Memoranda: | ||
| Average total assets | $51,356,000 | 6,147 |
| Average earning assets | $47,990,000 | 6,101 |
| Average equity | $4,448,000 | 6,405 |
| Average total loans | $41,320,500 | 5,402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 1,239 |
| Cost of funding earning assets | 1.4443% | 211 |
| Net interest margin | 3.6868% | 3,704 |
| Noninterest income to average assets | 0.2329% | 5,779 |
| Noninterest expense to average assets | 2.7650% | 4,159 |
| Loan and lease loss provision to assets | 0.1382% | 3,884 |
| Net operating income to assets | 0.7756% | 3,386 |
| Return on assets (ROA) | 0.7756% | 3,641 |
| Pretax return on assets | 0.7756% | 4,386 |
| Return on Equity (ROE) | 9.1421% | 2,567 |
| Retained earnings to average equity (ytd only) | 1.8610% | 4,909 |
| Net charge-offs to loans | 0.2253% | 3,591 |
| Credit loss provision to net charge-offs | 76.0870% | 3,968 |
| Earnings coverage of net charge-offs (x) | 5.0326% | 3,168 |
| Efficiency ratio | 75.1609% | 2,883 |
| Assets per employee ($millions) | 4.7819% | 2,521 |
| Cash dividends to net income (ytd only)* | 79.6438% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,152 |
| Loan loss allowance to noncurrent loans | 49.7036% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 2.0513% | 2,388 |
| Noncurrent loans to loans | 2.3964% | 2,230 |
| Net loans and leases to total assets | 79.3274% | 531 |
| Net loans and leases to deposits | 89.6969% | 1,097 |
| Net loans and leases to core deposits | 115.1407% | 379 |
| Total domestic deposits to total assets | 88.4394% | 1,935 |
| Equity capital to assets | 8.5493% | 6,011 |
| Core capital (leverage) ratio | 8.3745% | 5,793 |
| Tier 1 risk-based capital ratio | 10.2609% | 6,633 |
| Total risk-based capital ratio | 11.4358% | 6,618 |
| Memoranda: | ||
| Average total assets | $50,668,600 | 6,196 |
| Average earning assets | $47,358,600 | 6,139 |
| Average equity | $4,298,800 | 6,495 |
| Average total loans | $40,839,600 | 5,464 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 1,274 |
| Cost of funding earning assets | 1.4904% | 212 |
| Net interest margin | 3.6722% | 3,911 |
| Noninterest income to average assets | 0.2258% | 5,938 |
| Noninterest expense to average assets | 2.8294% | 3,875 |
| Loan and lease loss provision to assets | 0.1328% | 3,885 |
| Net operating income to assets | 0.7067% | 3,886 |
| Return on assets (ROA) | 0.7067% | 4,123 |
| Pretax return on assets | 0.7067% | 4,837 |
| Return on Equity (ROE) | 8.3464% | 3,106 |
| Retained earnings to average equity (ytd only) | -1.4748% | 6,331 |
| Net charge-offs to loans | 0.3029% | 2,923 |
| Credit loss provision to net charge-offs | 54.3478% | 4,295 |
| Earnings coverage of net charge-offs (x) | 3.4349% | 3,646 |
| Efficiency ratio | 77.1180% | 2,504 |
| Assets per employee ($millions) | 4.8005% | 2,443 |
| Cash dividends to net income (ytd only)* | 117.6676% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,693 |
| Loan loss allowance to noncurrent loans | 47.5394% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.0509% | 2,581 |
| Noncurrent loans to loans | 2.3276% | 2,477 |
| Net loans and leases to total assets | 81.7498% | 364 |
| Net loans and leases to deposits | 93.4817% | 825 |
| Net loans and leases to core deposits | 122.1229% | 274 |
| Total domestic deposits to total assets | 87.4501% | 2,381 |
| Equity capital to assets | 8.3212% | 6,405 |
| Core capital (leverage) ratio | 8.4307% | 5,855 |
| Tier 1 risk-based capital ratio | 9.7319% | 6,860 |
| Total risk-based capital ratio | 10.8338% | 6,877 |
| Memoranda: | ||
| Average total assets | $50,185,500 | 6,278 |
| Average earning assets | $47,055,000 | 6,220 |
| Average equity | $4,249,250 | 6,587 |
| Average total loans | $40,492,000 | 5,549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 1,175 |
| Cost of funding earning assets | 1.5750% | 173 |
| Net interest margin | 3.6576% | 3,999 |
| Noninterest income to average assets | 0.2271% | 5,942 |
| Noninterest expense to average assets | 2.7579% | 4,187 |
| Loan and lease loss provision to assets | 0.0811% | 4,581 |
| Net operating income to assets | 0.8071% | 3,367 |
| Return on assets (ROA) | 0.8071% | 3,624 |
| Pretax return on assets | 0.8071% | 4,454 |
| Return on Equity (ROE) | 9.4739% | 2,583 |
| Retained earnings to average equity (ytd only) | -5.4273% | 6,645 |
| Net charge-offs to loans | 0.5375% | 1,984 |
| Credit loss provision to net charge-offs | 18.8679% | 4,624 |
| Earnings coverage of net charge-offs (x) | 2.0660% | 3,955 |
| Efficiency ratio | 75.6396% | 2,801 |
| Assets per employee ($millions) | 4.5845% | 2,749 |
| Cash dividends to net income (ytd only)* | 157.2864% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,756 |
| Loan loss allowance to noncurrent loans | 37.7797% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 2.4767% | 2,253 |
| Noncurrent loans to loans | 2.9211% | 2,045 |
| Net loans and leases to total assets | 78.0107% | 724 |
| Net loans and leases to deposits | 92.1959% | 930 |
| Net loans and leases to core deposits | 114.4004% | 434 |
| Total domestic deposits to total assets | 84.6140% | 4,046 |
| Equity capital to assets | 8.1996% | 6,450 |
| Core capital (leverage) ratio | 7.9999% | 6,278 |
| Tier 1 risk-based capital ratio | 9.0369% | 6,979 |
| Total risk-based capital ratio | 10.0206% | 6,998 |
| Memoranda: | ||
| Average total assets | $49,312,330 | 6,340 |
| Average earning assets | $46,095,330 | 6,285 |
| Average equity | $4,201,000 | 6,631 |
| Average total loans | $39,439,000 | 5,632 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 880 |
| Cost of funding earning assets | 1.5837% | 200 |
| Net interest margin | 3.8362% | 3,210 |
| Noninterest income to average assets | 0.2051% | 6,158 |
| Noninterest expense to average assets | 2.9864% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7958% | 3,395 |
| Return on assets (ROA) | 0.7958% | 3,637 |
| Pretax return on assets | 0.7958% | 4,427 |
| Return on Equity (ROE) | 9.1639% | 2,752 |
| Retained earnings to average equity (ytd only) | -3.2121% | 6,422 |
| Net charge-offs to loans | 0.0204% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 649 |
| Efficiency ratio | 78.9588% | 2,360 |
| Assets per employee ($millions) | 4.4883% | 3,016 |
| Cash dividends to net income (ytd only)* | 135.0515% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 4,912 |
| Loan loss allowance to noncurrent loans | 40.9233% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.7648% | 2,119 |
| Noncurrent loans to loans | 3.2371% | 1,982 |
| Net loans and leases to total assets | 78.9066% | 495 |
| Net loans and leases to deposits | 93.8022% | 681 |
| Net loans and leases to core deposits | 118.0694% | 342 |
| Total domestic deposits to total assets | 84.1202% | 4,431 |
| Equity capital to assets | 8.5496% | 6,042 |
| Core capital (leverage) ratio | 8.2710% | 5,924 |
| Tier 1 risk-based capital ratio | 9.3076% | 6,994 |
| Total risk-based capital ratio | 10.4914% | 7,003 |
| Memoranda: | ||
| Average total assets | $48,754,000 | 6,404 |
| Average earning assets | $45,462,000 | 6,349 |
| Average equity | $4,234,000 | 6,650 |
| Average total loans | $39,269,000 | 5,671 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7307% | 736 |
| Cost of funding earning assets | 1.7283% | 290 |
| Net interest margin | 4.0024% | 2,863 |
| Noninterest income to average assets | 0.2467% | 5,765 |
| Noninterest expense to average assets | 2.7564% | 4,525 |
| Loan and lease loss provision to assets | 0.7280% | 1,398 |
| Net operating income to assets | 0.5137% | 4,364 |
| Return on assets (ROA) | 0.6330% | 4,019 |
| Pretax return on assets | 0.6330% | 4,584 |
| Return on Equity (ROE) | 7.2733% | 3,264 |
| Retained earnings to average equity (ytd only) | -5.9255% | 6,501 |
| Net charge-offs to loans | 0.6086% | 2,622 |
| Credit loss provision to net charge-offs | 148.1481% | 1,921 |
| Earnings coverage of net charge-offs (x) | 2.5267% | 3,952 |
| Efficiency ratio | 68.9428% | 4,167 |
| Assets per employee ($millions) | 4.8137% | 2,433 |
| Cash dividends to net income (ytd only)* | 181.4696% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 4,688 |
| Loan loss allowance to noncurrent loans | 29.2154% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 3.9138% | 1,467 |
| Noncurrent loans to loans | 4.6009% | 1,294 |
| Net loans and leases to total assets | 80.0486% | 492 |
| Net loans and leases to deposits | 97.3498% | 597 |
| Net loans and leases to core deposits | 120.4533% | 344 |
| Total domestic deposits to total assets | 82.2278% | 5,052 |
| Equity capital to assets | 8.8227% | 5,770 |
| Core capital (leverage) ratio | 8.2111% | 5,976 |
| Tier 1 risk-based capital ratio | 9.4075% | 6,978 |
| Total risk-based capital ratio | 10.5984% | 6,982 |
| Memoranda: | ||
| Average total assets | $49,449,400 | 6,384 |
| Average earning assets | $46,347,200 | 6,321 |
| Average equity | $4,303,400 | 6,653 |
| Average total loans | $39,928,200 | 5,697 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 649 |
| Cost of funding earning assets | 1.7351% | 344 |
| Net interest margin | 4.1037% | 2,457 |
| Noninterest income to average assets | 0.2732% | 5,663 |
| Noninterest expense to average assets | 2.8526% | 4,135 |
| Loan and lease loss provision to assets | 0.5089% | 1,948 |
| Net operating income to assets | 0.7634% | 3,326 |
| Return on assets (ROA) | 0.9214% | 2,803 |
| Pretax return on assets | 0.9214% | 3,680 |
| Return on Equity (ROE) | 10.6233% | 1,985 |
| Retained earnings to average equity (ytd only) | -6.9174% | 6,699 |
| Net charge-offs to loans | 0.2325% | 3,973 |
| Credit loss provision to net charge-offs | 271.4286% | 1,056 |
| Earnings coverage of net charge-offs (x) | 6.7858% | 2,485 |
| Efficiency ratio | 69.1558% | 4,101 |
| Assets per employee ($millions) | 4.6243% | 2,719 |
| Cash dividends to net income (ytd only)* | 165.1136% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 5,084 |
| Loan loss allowance to noncurrent loans | 134.3511% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 4,832 |
| Noncurrent loans to loans | 0.9555% | 4,976 |
| Net loans and leases to total assets | 79.8219% | 533 |
| Net loans and leases to deposits | 96.1473% | 688 |
| Net loans and leases to core deposits | 123.8803% | 312 |
| Total domestic deposits to total assets | 83.0204% | 4,674 |
| Equity capital to assets | 8.3905% | 6,406 |
| Core capital (leverage) ratio | 8.2572% | 6,043 |
| Tier 1 risk-based capital ratio | 9.3617% | 7,072 |
| Total risk-based capital ratio | 10.5451% | 7,076 |
| Memoranda: | ||
| Average total assets | $49,777,500 | 6,425 |
| Average earning assets | $46,721,250 | 6,355 |
| Average equity | $4,317,500 | 6,701 |
| Average total loans | $40,145,750 | 5,738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8904% | 594 |
| Cost of funding earning assets | 1.7525% | 383 |
| Net interest margin | 4.1379% | 2,271 |
| Noninterest income to average assets | 0.2955% | 5,522 |
| Noninterest expense to average assets | 2.7887% | 4,475 |
| Loan and lease loss provision to assets | 0.4047% | 2,405 |
| Net operating income to assets | 0.9916% | 2,264 |
| Return on assets (ROA) | 1.2304% | 1,566 |
| Pretax return on assets | 1.2304% | 2,370 |
| Return on Equity (ROE) | 14.0286% | 973 |
| Retained earnings to average equity (ytd only) | -12.1827% | 6,945 |
| Net charge-offs to loans | 0.3365% | 3,218 |
| Credit loss provision to net charge-offs | 149.2537% | 2,051 |
| Earnings coverage of net charge-offs (x) | 5.1493% | 2,681 |
| Efficiency ratio | 66.6344% | 4,755 |
| Assets per employee ($millions) | 4.6003% | 2,683 |
| Cash dividends to net income (ytd only)* | 186.8421% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,960 |
| Loan loss allowance to noncurrent loans | 123.8764% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,100 |
| Noncurrent loans to loans | 0.8879% | 5,196 |
| Net loans and leases to total assets | 78.3590% | 726 |
| Net loans and leases to deposits | 94.3107% | 851 |
| Net loans and leases to core deposits | 125.3897% | 323 |
| Total domestic deposits to total assets | 83.0860% | 4,718 |
| Equity capital to assets | 8.3295% | 6,386 |
| Core capital (leverage) ratio | 8.2388% | 5,968 |
| Tier 1 risk-based capital ratio | 9.4542% | 7,113 |
| Total risk-based capital ratio | 10.4617% | 7,151 |
| Memoranda: | ||
| Average total assets | $49,414,330 | 6,499 |
| Average earning assets | $46,448,670 | 6,426 |
| Average equity | $4,334,000 | 6,738 |
| Average total loans | $39,817,330 | 5,807 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7366% | 823 |
| Cost of funding earning assets | 1.7905% | 391 |
| Net interest margin | 3.9461% | 2,934 |
| Noninterest income to average assets | 0.2294% | 6,082 |
| Noninterest expense to average assets | 2.8595% | 4,231 |
| Loan and lease loss provision to assets | 0.3277% | 2,587 |
| Net operating income to assets | 0.7620% | 3,208 |
| Return on assets (ROA) | 0.7620% | 3,276 |
| Pretax return on assets | 0.7620% | 4,050 |
| Return on Equity (ROE) | 8.4671% | 2,708 |
| Retained earnings to average equity (ytd only) | -13.2013% | 6,981 |
| Net charge-offs to loans | 0.6956% | 1,825 |
| Credit loss provision to net charge-offs | 57.9710% | 3,580 |
| Earnings coverage of net charge-offs (x) | 1.9275% | 3,348 |
| Efficiency ratio | 72.4066% | 3,787 |
| Assets per employee ($millions) | 4.8605% | 2,341 |
| Cash dividends to net income (ytd only)* | 255.9140% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,521 |
| Loan loss allowance to noncurrent loans | 78.7942% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 4,590 |
| Noncurrent loans to loans | 1.2151% | 4,654 |
| Net loans and leases to total assets | 80.6604% | 454 |
| Net loans and leases to deposits | 98.2532% | 559 |
| Net loans and leases to core deposits | 127.7785% | 298 |
| Total domestic deposits to total assets | 82.0944% | 5,273 |
| Equity capital to assets | 8.9332% | 5,305 |
| Core capital (leverage) ratio | 9.1235% | 4,410 |
| Tier 1 risk-based capital ratio | 10.0691% | 6,980 |
| Total risk-based capital ratio | 10.9657% | 7,100 |
| Memoranda: | ||
| Average total assets | $48,820,000 | 6,562 |
| Average earning assets | $46,020,500 | 6,490 |
| Average equity | $4,393,500 | 6,752 |
| Average total loans | $39,679,500 | 5,866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2961% | 469 |
| Cost of funding earning assets | 2.0686% | 474 |
| Net interest margin | 4.2274% | 2,072 |
| Noninterest income to average assets | 0.2689% | 5,863 |
| Noninterest expense to average assets | 2.6439% | 5,245 |
| Loan and lease loss provision to assets | 0.2586% | 4,721 |
| Net operating income to assets | 1.2475% | 1,302 |
| Return on assets (ROA) | 1.1751% | 1,548 |
| Pretax return on assets | 1.1751% | 2,312 |
| Return on Equity (ROE) | 13.5905% | 966 |
| Retained earnings to average equity (ytd only) | -0.5982% | 5,731 |
| Net charge-offs to loans | 0.2659% | 4,705 |
| Credit loss provision to net charge-offs | 123.7624% | 3,341 |
| Earnings coverage of net charge-offs (x) | 7.2079% | 2,179 |
| Efficiency ratio | 63.7089% | 5,400 |
| Assets per employee ($millions) | 4.9035% | 2,289 |
| Cash dividends to net income (ytd only)* | 104.4014% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 6,254 |
| Loan loss allowance to noncurrent loans | 112.3967% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 5,150 |
| Noncurrent loans to loans | 0.9126% | 5,229 |
| Net loans and leases to total assets | 80.2835% | 629 |
| Net loans and leases to deposits | 98.7384% | 661 |
| Net loans and leases to core deposits | 128.8735% | 347 |
| Total domestic deposits to total assets | 81.3093% | 5,416 |
| Equity capital to assets | 9.0650% | 5,053 |
| Core capital (leverage) ratio | 8.7994% | 4,860 |
| Tier 1 risk-based capital ratio | 10.3484% | 6,795 |
| Total risk-based capital ratio | 11.3075% | 6,941 |
| Memoranda: | ||
| Average total assets | $48,337,200 | 6,595 |
| Average earning assets | $44,377,000 | 6,567 |
| Average equity | $4,179,400 | 6,931 |
| Average total loans | $37,978,200 | 6,008 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3568% | 452 |
| Cost of funding earning assets | 2.0947% | 543 |
| Net interest margin | 4.2622% | 1,980 |
| Noninterest income to average assets | 0.2685% | 5,972 |
| Noninterest expense to average assets | 2.6410% | 5,146 |
| Loan and lease loss provision to assets | 0.3599% | 3,737 |
| Net operating income to assets | 1.1544% | 1,724 |
| Return on assets (ROA) | 1.1544% | 1,819 |
| Pretax return on assets | 1.1544% | 2,658 |
| Return on Equity (ROE) | 13.5179% | 1,138 |
| Retained earnings to average equity (ytd only) | -5.7053% | 6,610 |
| Net charge-offs to loans | 0.4938% | 3,301 |
| Credit loss provision to net charge-offs | 93.5252% | 4,637 |
| Earnings coverage of net charge-offs (x) | 3.9353% | 3,246 |
| Efficiency ratio | 63.5576% | 5,334 |
| Assets per employee ($millions) | 4.9703% | 2,218 |
| Cash dividends to net income (ytd only)* | 142.2058% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,580 |
| Loan loss allowance to noncurrent loans | 38.7397% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 3,539 |
| Noncurrent loans to loans | 2.4459% | 3,181 |
| Net loans and leases to total assets | 78.8705% | 906 |
| Net loans and leases to deposits | 96.5494% | 921 |
| Net loans and leases to core deposits | 129.6758% | 383 |
| Total domestic deposits to total assets | 81.6892% | 5,130 |
| Equity capital to assets | 8.7661% | 5,909 |
| Core capital (leverage) ratio | 8.5416% | 5,432 |
| Tier 1 risk-based capital ratio | 10.0075% | 7,068 |
| Total risk-based capital ratio | 10.8903% | 7,204 |
| Memoranda: | ||
| Average total assets | $48,162,750 | 6,680 |
| Average earning assets | $43,920,250 | 6,664 |
| Average equity | $4,113,000 | 7,046 |
| Average total loans | $37,529,000 | 6,118 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3178% | 497 |
| Cost of funding earning assets | 2.1013% | 654 |
| Net interest margin | 4.2165% | 2,104 |
| Noninterest income to average assets | 0.2518% | 6,110 |
| Noninterest expense to average assets | 2.6737% | 5,019 |
| Loan and lease loss provision to assets | 0.4197% | 3,222 |
| Net operating income to assets | 0.9906% | 2,236 |
| Return on assets (ROA) | 0.9906% | 2,312 |
| Pretax return on assets | 0.9906% | 3,153 |
| Return on Equity (ROE) | 11.7073% | 1,525 |
| Retained earnings to average equity (ytd only) | -17.7098% | 7,190 |
| Net charge-offs to loans | 0.4939% | 3,062 |
| Credit loss provision to net charge-offs | 109.8901% | 3,705 |
| Earnings coverage of net charge-offs (x) | 3.6923% | 3,212 |
| Efficiency ratio | 65.4676% | 5,070 |
| Assets per employee ($millions) | 4.8964% | 2,306 |
| Cash dividends to net income (ytd only)* | 251.2712% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,408 |
| Loan loss allowance to noncurrent loans | 35.7598% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.2445% | 3,206 |
| Noncurrent loans to loans | 2.7927% | 2,861 |
| Net loans and leases to total assets | 79.5687% | 863 |
| Net loans and leases to deposits | 92.5900% | 1,444 |
| Net loans and leases to core deposits | 116.9443% | 811 |
| Total domestic deposits to total assets | 85.9366% | 3,128 |
| Equity capital to assets | 8.5042% | 6,160 |
| Core capital (leverage) ratio | 8.5261% | 5,364 |
| Tier 1 risk-based capital ratio | 9.7071% | 7,181 |
| Total risk-based capital ratio | 10.6444% | 7,307 |
| Memoranda: | ||
| Average total assets | $47,649,330 | 6,741 |
| Average earning assets | $43,306,330 | 6,731 |
| Average equity | $4,031,670 | 7,114 |
| Average total loans | $36,846,670 | 6,198 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3015% | 528 |
| Cost of funding earning assets | 2.1860% | 615 |
| Net interest margin | 4.1154% | 2,374 |
| Noninterest income to average assets | 0.2128% | 6,445 |
| Noninterest expense to average assets | 2.6558% | 5,125 |
| Loan and lease loss provision to assets | 0.2554% | 4,001 |
| Net operating income to assets | 0.9874% | 2,230 |
| Return on assets (ROA) | 0.9874% | 2,290 |
| Pretax return on assets | 0.9874% | 3,134 |
| Return on Equity (ROE) | 11.7009% | 1,581 |
| Retained earnings to average equity (ytd only) | -13.4157% | 7,142 |
| Net charge-offs to loans | 0.6518% | 2,192 |
| Credit loss provision to net charge-offs | 51.7241% | 4,452 |
| Earnings coverage of net charge-offs (x) | 2.5172% | 3,284 |
| Efficiency ratio | 68.1223% | 4,701 |
| Assets per employee ($millions) | 4.6776% | 2,678 |
| Cash dividends to net income (ytd only)* | 214.6552% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,448 |
| Loan loss allowance to noncurrent loans | 59.6315% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 4,378 |
| Noncurrent loans to loans | 1.6824% | 4,226 |
| Net loans and leases to total assets | 75.1005% | 1,719 |
| Net loans and leases to deposits | 87.5489% | 2,307 |
| Net loans and leases to core deposits | 124.5577% | 631 |
| Total domestic deposits to total assets | 85.7812% | 3,269 |
| Equity capital to assets | 8.3846% | 6,176 |
| Core capital (leverage) ratio | 8.4889% | 5,395 |
| Tier 1 risk-based capital ratio | 10.3055% | 6,805 |
| Total risk-based capital ratio | 11.2320% | 7,032 |
| Memoranda: | ||
| Average total assets | $46,992,000 | 6,841 |
| Average earning assets | $42,085,500 | 6,855 |
| Average equity | $3,965,500 | 7,202 |
| Average total loans | $35,593,500 | 6,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6198% | 541 |
| Cost of funding earning assets | 2.4824% | 1,063 |
| Net interest margin | 4.1374% | 2,294 |
| Noninterest income to average assets | 0.3346% | 5,700 |
| Noninterest expense to average assets | 2.8386% | 4,799 |
| Loan and lease loss provision to assets | 0.3593% | 4,649 |
| Net operating income to assets | 0.9208% | 2,101 |
| Return on assets (ROA) | 1.3317% | 1,018 |
| Pretax return on assets | 1.3317% | 1,609 |
| Return on Equity (ROE) | 15.4218% | 613 |
| Retained earnings to average equity (ytd only) | 5.4353% | 1,606 |
| Net charge-offs to loans | 0.2115% | 5,302 |
| Credit loss provision to net charge-offs | 222.2222% | 1,695 |
| Earnings coverage of net charge-offs (x) | 7.9167% | 2,040 |
| Efficiency ratio | 68.9204% | 4,843 |
| Assets per employee ($millions) | 5.2453% | 1,899 |
| Cash dividends to net income (ytd only)* | 64.7555% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 6,012 |
| Loan loss allowance to noncurrent loans | 55.4113% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 3,567 |
| Noncurrent loans to loans | 1.9411% | 3,742 |
| Net loans and leases to total assets | 74.8136% | 2,073 |
| Net loans and leases to deposits | 90.0212% | 2,211 |
| Net loans and leases to core deposits | 113.4788% | 2,548 |
| Total domestic deposits to total assets | 83.1067% | 4,478 |
| Equity capital to assets | 8.4922% | 5,889 |
| Core capital (leverage) ratio | 8.7795% | 4,797 |
| Tier 1 risk-based capital ratio | 10.4766% | 6,415 |
| Total risk-based capital ratio | 11.4595% | 6,643 |
| Memoranda: | ||
| Average total assets | $44,528,400 | 6,930 |
| Average earning assets | $40,726,000 | 6,918 |
| Average equity | $3,845,200 | 7,342 |
| Average total loans | $34,040,600 | 6,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5746% | 646 |
| Cost of funding earning assets | 2.5137% | 1,256 |
| Net interest margin | 4.0609% | 2,545 |
| Noninterest income to average assets | 0.3587% | 5,626 |
| Noninterest expense to average assets | 2.8667% | 4,584 |
| Loan and lease loss provision to assets | 0.2432% | 5,016 |
| Net operating income to assets | 0.9911% | 2,094 |
| Return on assets (ROA) | 0.9911% | 2,153 |
| Pretax return on assets | 0.9911% | 2,936 |
| Return on Equity (ROE) | 11.4256% | 1,504 |
| Retained earnings to average equity (ytd only) | -2.0327% | 5,731 |
| Net charge-offs to loans | 0.0674% | 6,021 |
| Credit loss provision to net charge-offs | 470.5882% | 834 |
| Earnings coverage of net charge-offs (x) | 23.8783% | 1,105 |
| Efficiency ratio | 69.9036% | 4,611 |
| Assets per employee ($millions) | 5.1532% | 1,964 |
| Cash dividends to net income (ytd only)* | 117.7909% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 6,346 |
| Loan loss allowance to noncurrent loans | 83.2947% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 4,412 |
| Noncurrent loans to loans | 1.1906% | 4,956 |
| Net loans and leases to total assets | 77.2785% | 1,727 |
| Net loans and leases to deposits | 95.0312% | 1,709 |
| Net loans and leases to core deposits | 119.5258% | 2,289 |
| Total domestic deposits to total assets | 81.3191% | 4,953 |
| Equity capital to assets | 8.7346% | 5,904 |
| Core capital (leverage) ratio | 8.5835% | 5,324 |
| Tier 1 risk-based capital ratio | 9.5760% | 7,322 |
| Total risk-based capital ratio | 10.4745% | 7,521 |
| Memoranda: | ||
| Average total assets | $43,858,500 | 7,003 |
| Average earning assets | $40,417,250 | 6,982 |
| Average equity | $3,804,250 | 7,413 |
| Average total loans | $33,625,250 | 6,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4974% | 828 |
| Cost of funding earning assets | 2.5686% | 1,376 |
| Net interest margin | 3.9288% | 2,982 |
| Noninterest income to average assets | 0.3301% | 5,868 |
| Noninterest expense to average assets | 2.9383% | 4,344 |
| Loan and lease loss provision to assets | 0.2092% | 4,950 |
| Net operating income to assets | 0.7950% | 2,875 |
| Return on assets (ROA) | 0.7950% | 2,968 |
| Pretax return on assets | 0.7950% | 3,688 |
| Return on Equity (ROE) | 9.1886% | 2,290 |
| Retained earnings to average equity (ytd only) | -11.4455% | 7,003 |
| Net charge-offs to loans | 0.0549% | 5,725 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,166 |
| Efficiency ratio | 74.5283% | 3,949 |
| Assets per employee ($millions) | 4.4472% | 2,844 |
| Cash dividends to net income (ytd only)* | 224.5614% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 6,446 |
| Loan loss allowance to noncurrent loans | 89.7297% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 4,420 |
| Noncurrent loans to loans | 1.0811% | 5,039 |
| Net loans and leases to total assets | 76.2097% | 2,132 |
| Net loans and leases to deposits | 92.5910% | 2,349 |
| Net loans and leases to core deposits | 116.4914% | 2,671 |
| Total domestic deposits to total assets | 82.3080% | 4,565 |
| Equity capital to assets | 8.6279% | 5,856 |
| Core capital (leverage) ratio | 8.4414% | 5,542 |
| Tier 1 risk-based capital ratio | 9.7356% | 7,196 |
| Total risk-based capital ratio | 10.6161% | 7,477 |
| Memoranda: | ||
| Average total assets | $43,018,330 | 7,096 |
| Average earning assets | $39,554,000 | 7,071 |
| Average equity | $3,722,000 | 7,504 |
| Average total loans | $32,767,000 | 6,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5235% | 828 |
| Cost of funding earning assets | 2.5992% | 1,570 |
| Net interest margin | 3.9243% | 2,954 |
| Noninterest income to average assets | 0.3405% | 5,733 |
| Noninterest expense to average assets | 2.9320% | 4,047 |
| Loan and lease loss provision to assets | 0.2837% | 3,690 |
| Net operating income to assets | 0.7661% | 3,276 |
| Return on assets (ROA) | 0.7661% | 3,450 |
| Pretax return on assets | 0.7661% | 4,204 |
| Return on Equity (ROE) | 8.8416% | 2,786 |
| Retained earnings to average equity (ytd only) | -10.0423% | 7,117 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6342% | 3,887 |
| Assets per employee ($millions) | 3.9005% | 3,873 |
| Cash dividends to net income (ytd only)* | 213.5802% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,006 |
| Loan loss allowance to noncurrent loans | 118.9781% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,524 |
| Noncurrent loans to loans | 0.8600% | 5,301 |
| Net loans and leases to total assets | 73.4949% | 2,889 |
| Net loans and leases to deposits | 95.4360% | 2,046 |
| Net loans and leases to core deposits | 110.6965% | 3,345 |
| Total domestic deposits to total assets | 77.0097% | 6,277 |
| Equity capital to assets | 8.5748% | 5,948 |
| Core capital (leverage) ratio | 8.2737% | 5,952 |
| Tier 1 risk-based capital ratio | 9.9151% | 7,018 |
| Total risk-based capital ratio | 10.0429% | 7,935 |
| Memoranda: | ||
| Average total assets | $42,291,500 | 7,152 |
| Average earning assets | $39,243,000 | 7,117 |
| Average equity | $3,664,500 | 7,568 |
| Average total loans | $32,038,500 | 6,642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9659% | 1,220 |
| Cost of funding earning assets | 2.9738% | 1,968 |
| Net interest margin | 3.9922% | 3,154 |
| Noninterest income to average assets | 0.3983% | 5,482 |
| Noninterest expense to average assets | 2.8106% | 4,775 |
| Loan and lease loss provision to assets | 0.2722% | 4,217 |
| Net operating income to assets | 1.0209% | 2,472 |
| Return on assets (ROA) | 1.0209% | 2,358 |
| Pretax return on assets | 1.0209% | 3,312 |
| Return on Equity (ROE) | 11.9279% | 1,618 |
| Retained earnings to average equity (ytd only) | 1.3842% | 4,389 |
| Net charge-offs to loans | 0.1860% | 4,338 |
| Credit loss provision to net charge-offs | 189.4737% | 2,606 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,774 |
| Efficiency ratio | 68.4889% | 4,635 |
| Assets per employee ($millions) | 4.1678% | 3,173 |
| Cash dividends to net income (ytd only)* | 88.3951% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 6,576 |
| Loan loss allowance to noncurrent loans | 108.4249% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,054 |
| Noncurrent loans to loans | 0.8474% | 4,931 |
| Net loans and leases to total assets | 76.5920% | 2,476 |
| Net loans and leases to deposits | 98.7441% | 2,020 |
| Net loans and leases to core deposits | 109.3444% | 3,821 |
| Total domestic deposits to total assets | 77.5661% | 5,855 |
| Equity capital to assets | 8.7576% | 5,717 |
| Core capital (leverage) ratio | 8.4164% | 5,722 |
| Tier 1 risk-based capital ratio | 9.7351% | 7,040 |
| Total risk-based capital ratio | 10.5692% | 7,425 |
| Memoranda: | ||
| Average total assets | $39,671,600 | 7,227 |
| Average earning assets | $36,822,000 | 7,198 |
| Average equity | $3,395,400 | 7,722 |
| Average total loans | $30,649,800 | 6,667 |