Home > CerescoBank > Performance and Condition Ratios
CerescoBank, 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 | 4.1244% | 3,761 |
| Cost of funding earning assets | 1.5446% | 1,827 |
| Net interest margin | 2.5798% | 3,991 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.4344% | 2,487 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.3599% | 3,943 |
| Return on assets (ROA) | 0.3784% | 3,911 |
| Pretax return on assets | 0.4559% | 3,887 |
| Return on Equity (ROE) | 3.5800% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.0180% | 3,268 |
| Net charge-offs to loans | 0.0439% | 1,453 |
| Credit loss provision to net charge-offs | 350.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 24.2857% | 1,767 |
| Efficiency ratio | 82.7761% | 736 |
| Assets per employee ($millions) | 5.9988% | 2,827 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 449 |
| Loan loss allowance to noncurrent loans | 972.1311% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 2,911 |
| Noncurrent loans to loans | 0.1960% | 2,531 |
| Net loans and leases to total assets | 46.2600% | 3,804 |
| Net loans and leases to deposits | 52.8809% | 3,837 |
| Net loans and leases to core deposits | 58.9635% | 3,802 |
| Total domestic deposits to total assets | 87.4800% | 1,527 |
| Equity capital to assets | 11.3447% | 1,353 |
| Core capital (leverage) ratio | 13.6685% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,120,400 | 4,146 |
| Average earning assets | $61,244,800 | 4,119 |
| Average equity | $7,090,800 | 4,039 |
| Average total loans | $31,859,800 | 4,117 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,763 |
| Cost of funding earning assets | 1.4201% | 1,812 |
| Net interest margin | 2.6273% | 3,989 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 1.8910% | 3,820 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.7488% | 3,177 |
| Return on assets (ROA) | 0.6191% | 3,491 |
| Pretax return on assets | 0.8229% | 3,284 |
| Return on Equity (ROE) | 5.9700% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.9686% | 2,643 |
| Net charge-offs to loans | 0.0374% | 1,357 |
| Credit loss provision to net charge-offs | 566.6667% | 579 |
| Earnings coverage of net charge-offs (x) | 61.1111% | 1,194 |
| Efficiency ratio | 63.4794% | 2,566 |
| Assets per employee ($millions) | 5.1043% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 507 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,156 |
| Noncurrent loans to loans | 0.1399% | 2,850 |
| Net loans and leases to total assets | 47.5500% | 3,763 |
| Net loans and leases to deposits | 55.9496% | 3,715 |
| Net loans and leases to core deposits | 60.8371% | 3,665 |
| Total domestic deposits to total assets | 84.9900% | 2,499 |
| Equity capital to assets | 10.2568% | 1,667 |
| Core capital (leverage) ratio | 13.8446% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,403,750 | 4,153 |
| Average earning assets | $61,404,500 | 4,141 |
| Average equity | $6,992,000 | 4,047 |
| Average total loans | $32,045,000 | 4,128 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,764 |
| Cost of funding earning assets | 1.2577% | 1,832 |
| Net interest margin | 2.7030% | 3,970 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.9010% | 3,821 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.7201% | 3,299 |
| Return on assets (ROA) | 0.6642% | 3,429 |
| Pretax return on assets | 0.8590% | 3,267 |
| Return on Equity (ROE) | 6.3800% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.3794% | 2,486 |
| Net charge-offs to loans | 0.0625% | 926 |
| Credit loss provision to net charge-offs | 540.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 36.9000% | 1,450 |
| Efficiency ratio | 63.5735% | 2,534 |
| Assets per employee ($millions) | 5.0958% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 508 |
| Loan loss allowance to noncurrent loans | 179.4643% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 1,071 |
| Noncurrent loans to loans | 1.0536% | 696 |
| Net loans and leases to total assets | 47.2300% | 3,730 |
| Net loans and leases to deposits | 55.3018% | 3,679 |
| Net loans and leases to core deposits | 60.5375% | 3,601 |
| Total domestic deposits to total assets | 85.4000% | 2,427 |
| Equity capital to assets | 10.7902% | 1,467 |
| Core capital (leverage) ratio | 13.5936% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $67,753,000 | 4,167 |
| Average earning assets | $61,856,667 | 4,162 |
| Average equity | $7,054,000 | 4,071 |
| Average total loans | $32,008,333 | 4,139 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,664 |
| Cost of funding earning assets | 0.9984% | 2,056 |
| Net interest margin | 2.9055% | 3,783 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 1.9910% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9412% | 2,715 |
| Return on assets (ROA) | 1.0160% | 2,449 |
| Pretax return on assets | 1.2729% | 2,248 |
| Return on Equity (ROE) | 9.9300% | 2,806 |
| Retained earnings to average equity (ytd only) | 9.9329% | 1,718 |
| Net charge-offs to loans | -0.0748% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.7993% | 2,596 |
| Assets per employee ($millions) | 6.8079% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 602 |
| Loan loss allowance to noncurrent loans | 139.9504% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 866 |
| Noncurrent loans to loans | 1.3224% | 503 |
| Net loans and leases to total assets | 43.9400% | 3,870 |
| Net loans and leases to deposits | 49.3264% | 3,918 |
| Net loans and leases to core deposits | 54.1482% | 3,824 |
| Total domestic deposits to total assets | 89.0700% | 1,520 |
| Equity capital to assets | 10.6494% | 1,490 |
| Core capital (leverage) ratio | 13.1684% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $68,507,000 | 4,216 |
| Average earning assets | $62,501,500 | 4,213 |
| Average equity | $7,007,000 | 4,125 |
| Average total loans | $32,067,500 | 4,197 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 3,878 |
| Cost of funding earning assets | 0.3300% | 2,632 |
| Net interest margin | 2.8356% | 3,818 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.2974% | 2,742 |
| Loan and lease loss provision to assets | -0.3000% | 4,665 |
| Net operating income to assets | 0.9857% | 2,619 |
| Return on assets (ROA) | 0.7019% | 3,563 |
| Pretax return on assets | 0.8741% | 3,422 |
| Return on Equity (ROE) | 6.2600% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.5926% | 2,790 |
| Net charge-offs to loans | -0.0320% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.1967% | 1,542 |
| Assets per employee ($millions) | 6.8938% | 2,049 |
| Cash dividends to net income (ytd only)* | 10.6610% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 861 |
| Loan loss allowance to noncurrent loans | 858.4615% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 2,885 |
| Noncurrent loans to loans | 0.1931% | 2,514 |
| Net loans and leases to total assets | 48.0200% | 3,665 |
| Net loans and leases to deposits | 56.7050% | 3,531 |
| Net loans and leases to core deposits | 61.2550% | 3,435 |
| Total domestic deposits to total assets | 84.6800% | 3,062 |
| Equity capital to assets | 9.8117% | 1,818 |
| Core capital (leverage) ratio | 12.8876% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $66,815,200 | 4,261 |
| Average earning assets | $60,905,000 | 4,250 |
| Average equity | $7,492,000 | 4,149 |
| Average total loans | $31,239,200 | 4,221 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0416% | 3,809 |
| Cost of funding earning assets | 0.2847% | 2,335 |
| Net interest margin | 2.7569% | 3,823 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 1.8405% | 3,901 |
| Loan and lease loss provision to assets | -0.4000% | 4,724 |
| Net operating income to assets | 1.2720% | 1,452 |
| Return on assets (ROA) | 0.8891% | 2,889 |
| Pretax return on assets | 1.2391% | 2,233 |
| Return on Equity (ROE) | 7.6800% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.6794% | 2,121 |
| Net charge-offs to loans | -0.0870% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.2061% | 3,363 |
| Assets per employee ($millions) | 6.8496% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 666 |
| Loan loss allowance to noncurrent loans | 2,272.0000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,552 |
| Noncurrent loans to loans | 0.0813% | 3,298 |
| Net loans and leases to total assets | 44.0500% | 3,875 |
| Net loans and leases to deposits | 49.1513% | 3,905 |
| Net loans and leases to core deposits | 51.7424% | 3,867 |
| Total domestic deposits to total assets | 89.6200% | 1,821 |
| Equity capital to assets | 10.1349% | 1,551 |
| Core capital (leverage) ratio | 13.1628% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $66,284,500 | 4,294 |
| Average earning assets | $60,405,500 | 4,289 |
| Average equity | $7,674,000 | 4,175 |
| Average total loans | $30,634,250 | 4,257 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9398% | 3,698 |
| Cost of funding earning assets | 0.2712% | 2,012 |
| Net interest margin | 2.6686% | 3,772 |
| Noninterest income to average assets | 0.6713% | 1,458 |
| Noninterest expense to average assets | 1.8796% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8684% | 2,700 |
| Return on assets (ROA) | 0.4394% | 3,981 |
| Pretax return on assets | 0.6804% | 3,625 |
| Return on Equity (ROE) | 3.6373% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.6373% | 3,223 |
| Net charge-offs to loans | -0.1438% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5703% | 3,231 |
| Assets per employee ($millions) | 6.6551% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 235 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,462 |
| Noncurrent loans to loans | 0.1166% | 3,149 |
| Net loans and leases to total assets | 43.9483% | 3,838 |
| Net loans and leases to deposits | 49.3154% | 3,846 |
| Net loans and leases to core deposits | 52.2407% | 3,804 |
| Total domestic deposits to total assets | 89.1166% | 2,127 |
| Equity capital to assets | 10.7346% | 1,348 |
| Core capital (leverage) ratio | 13.0580% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,547,333 | 4,345 |
| Average earning assets | $59,731,667 | 4,358 |
| Average equity | $7,918,000 | 4,212 |
| Average total loans | $30,599,000 | 4,300 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8576% | 3,633 |
| Cost of funding earning assets | 0.2696% | 1,931 |
| Net interest margin | 2.5880% | 3,687 |
| Noninterest income to average assets | 0.6887% | 1,352 |
| Noninterest expense to average assets | 1.9187% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7874% | 2,706 |
| Return on assets (ROA) | 0.3259% | 4,061 |
| Pretax return on assets | 0.5473% | 3,761 |
| Return on Equity (ROE) | 2.5527% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.5527% | 3,399 |
| Net charge-offs to loans | 0.6734% | 101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.5385% | 1,662 |
| Efficiency ratio | 62.9032% | 3,155 |
| Assets per employee ($millions) | 5.6364% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3280% | 357 |
| Loan loss allowance to noncurrent loans | 1,392.0000% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,333 |
| Noncurrent loans to loans | 0.1672% | 2,977 |
| Net loans and leases to total assets | 43.1731% | 3,803 |
| Net loans and leases to deposits | 48.8630% | 3,828 |
| Net loans and leases to core deposits | 51.7345% | 3,752 |
| Total domestic deposits to total assets | 88.3555% | 2,355 |
| Equity capital to assets | 11.5233% | 1,119 |
| Core capital (leverage) ratio | 13.1785% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,045,500 | 4,375 |
| Average earning assets | $59,350,000 | 4,386 |
| Average equity | $8,305,000 | 4,240 |
| Average total loans | $30,889,500 | 4,313 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2446% | 3,357 |
| Cost of funding earning assets | 0.3688% | 1,770 |
| Net interest margin | 2.8758% | 3,501 |
| Noninterest income to average assets | 0.6462% | 1,957 |
| Noninterest expense to average assets | 2.4643% | 2,296 |
| Loan and lease loss provision to assets | 0.0238% | 2,591 |
| Net operating income to assets | 0.6291% | 3,809 |
| Return on assets (ROA) | 0.5859% | 3,949 |
| Pretax return on assets | 0.7288% | 3,869 |
| Return on Equity (ROE) | 4.2175% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.6460% | 3,359 |
| Net charge-offs to loans | 0.1227% | 738 |
| Credit loss provision to net charge-offs | 37.5000% | 2,206 |
| Earnings coverage of net charge-offs (x) | 12.7000% | 2,106 |
| Efficiency ratio | 75.3398% | 1,168 |
| Assets per employee ($millions) | 6.9393% | 1,966 |
| Cash dividends to net income (ytd only)* | 13.5501% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 357 |
| Loan loss allowance to noncurrent loans | 397.8723% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 2,029 |
| Noncurrent loans to loans | 0.5897% | 1,666 |
| Net loans and leases to total assets | 49.8511% | 3,298 |
| Net loans and leases to deposits | 58.2728% | 3,229 |
| Net loans and leases to core deposits | 61.7885% | 3,183 |
| Total domestic deposits to total assets | 85.5478% | 3,070 |
| Equity capital to assets | 14.1160% | 643 |
| Core capital (leverage) ratio | 13.6230% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,980,000 | 4,411 |
| Average earning assets | $57,480,400 | 4,419 |
| Average equity | $8,749,200 | 4,264 |
| Average total loans | $32,606,400 | 4,324 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 3,359 |
| Cost of funding earning assets | 0.3841% | 1,829 |
| Net interest margin | 2.9272% | 3,488 |
| Noninterest income to average assets | 0.6528% | 1,994 |
| Noninterest expense to average assets | 1.9837% | 3,731 |
| Loan and lease loss provision to assets | 0.0317% | 2,362 |
| Net operating income to assets | 1.0445% | 2,751 |
| Return on assets (ROA) | 1.0056% | 2,951 |
| Pretax return on assets | 1.2612% | 2,730 |
| Return on Equity (ROE) | 7.2677% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.2677% | 2,322 |
| Net charge-offs to loans | -0.0285% | 4,110 |
| Credit loss provision to net charge-offs | -214.2857% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6569% | 3,032 |
| Assets per employee ($millions) | 6.3804% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 336 |
| Loan loss allowance to noncurrent loans | 185.7477% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 1,118 |
| Noncurrent loans to loans | 1.2929% | 843 |
| Net loans and leases to total assets | 50.6395% | 3,329 |
| Net loans and leases to deposits | 59.1314% | 3,320 |
| Net loans and leases to core deposits | 62.4324% | 3,272 |
| Total domestic deposits to total assets | 85.6388% | 2,899 |
| Equity capital to assets | 14.1073% | 712 |
| Core capital (leverage) ratio | 13.8265% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,111,500 | 4,475 |
| Average earning assets | $57,620,000 | 4,475 |
| Average equity | $8,732,500 | 4,327 |
| Average total loans | $32,787,500 | 4,378 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0518% | 3,953 |
| Cost of funding earning assets | 0.4111% | 1,793 |
| Net interest margin | 2.6407% | 4,102 |
| Noninterest income to average assets | 0.6616% | 1,964 |
| Noninterest expense to average assets | 1.9211% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9160% | 3,174 |
| Return on assets (ROA) | 0.8651% | 3,393 |
| Pretax return on assets | 1.0878% | 3,257 |
| Return on Equity (ROE) | 6.2941% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.2941% | 2,697 |
| Net charge-offs to loans | -0.0551% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5259% | 2,660 |
| Assets per employee ($millions) | 5.9756% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4177% | 306 |
| Loan loss allowance to noncurrent loans | 401.0256% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,441 |
| Noncurrent loans to loans | 0.6029% | 1,899 |
| Net loans and leases to total assets | 48.0177% | 3,723 |
| Net loans and leases to deposits | 55.5149% | 3,752 |
| Net loans and leases to core deposits | 58.1549% | 3,751 |
| Total domestic deposits to total assets | 86.4952% | 2,551 |
| Equity capital to assets | 13.3223% | 865 |
| Core capital (leverage) ratio | 13.5935% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,880,667 | 4,503 |
| Average earning assets | $57,409,333 | 4,509 |
| Average equity | $8,643,000 | 4,358 |
| Average total loans | $32,681,667 | 4,416 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9755% | 4,140 |
| Cost of funding earning assets | 0.4792% | 1,525 |
| Net interest margin | 2.4962% | 4,301 |
| Noninterest income to average assets | 0.6053% | 2,184 |
| Noninterest expense to average assets | 1.9461% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7266% | 3,645 |
| Return on assets (ROA) | 0.6444% | 3,893 |
| Pretax return on assets | 0.8266% | 3,765 |
| Return on Equity (ROE) | 4.6122% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.6122% | 3,339 |
| Net charge-offs to loans | -0.0244% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6471% | 1,986 |
| Assets per employee ($millions) | 5.8479% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4339% | 291 |
| Loan loss allowance to noncurrent loans | 2,039.4737% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,956 |
| Noncurrent loans to loans | 0.1193% | 3,715 |
| Net loans and leases to total assets | 48.2954% | 3,783 |
| Net loans and leases to deposits | 55.9091% | 3,799 |
| Net loans and leases to core deposits | 58.6236% | 3,795 |
| Total domestic deposits to total assets | 86.3821% | 2,585 |
| Equity capital to assets | 13.4205% | 807 |
| Core capital (leverage) ratio | 13.9090% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,455,000 | 4,542 |
| Average earning assets | $55,924,000 | 4,537 |
| Average equity | $8,586,000 | 4,377 |
| Average total loans | $32,850,000 | 4,435 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 2,538 |
| Cost of funding earning assets | 0.7482% | 1,459 |
| Net interest margin | 3.3145% | 3,033 |
| Noninterest income to average assets | 0.7831% | 1,578 |
| Noninterest expense to average assets | 2.7592% | 2,041 |
| Loan and lease loss provision to assets | 0.3694% | 893 |
| Net operating income to assets | 0.5488% | 3,910 |
| Return on assets (ROA) | 0.6187% | 3,808 |
| Pretax return on assets | 0.7221% | 3,837 |
| Return on Equity (ROE) | 3.9396% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.3516% | 3,150 |
| Net charge-offs to loans | 0.0746% | 1,739 |
| Credit loss provision to net charge-offs | 769.2308% | 933 |
| Earnings coverage of net charge-offs (x) | 21.0385% | 1,918 |
| Efficiency ratio | 73.1994% | 1,543 |
| Assets per employee ($millions) | 5.3257% | 3,022 |
| Cash dividends to net income (ytd only)* | 14.9254% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 363 |
| Loan loss allowance to noncurrent loans | 2,147.2222% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,038 |
| Noncurrent loans to loans | 0.1063% | 3,866 |
| Net loans and leases to total assets | 56.4754% | 3,255 |
| Net loans and leases to deposits | 66.4464% | 3,229 |
| Net loans and leases to core deposits | 69.9886% | 3,252 |
| Total domestic deposits to total assets | 84.9939% | 2,761 |
| Equity capital to assets | 14.5759% | 661 |
| Core capital (leverage) ratio | 14.4229% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,147,000 | 4,598 |
| Average earning assets | $48,785,400 | 4,606 |
| Average equity | $8,503,400 | 4,372 |
| Average total loans | $34,845,600 | 4,411 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 2,759 |
| Cost of funding earning assets | 0.7766% | 1,605 |
| Net interest margin | 3.2937% | 3,214 |
| Noninterest income to average assets | 0.8296% | 1,396 |
| Noninterest expense to average assets | 2.1192% | 3,897 |
| Loan and lease loss provision to assets | 0.3771% | 977 |
| Net operating income to assets | 1.0639% | 2,096 |
| Return on assets (ROA) | 1.1463% | 1,948 |
| Pretax return on assets | 1.3977% | 1,746 |
| Return on Equity (ROE) | 7.1574% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.1574% | 1,629 |
| Net charge-offs to loans | 0.0836% | 1,474 |
| Credit loss provision to net charge-offs | 681.8182% | 1,087 |
| Earnings coverage of net charge-offs (x) | 30.2727% | 1,573 |
| Efficiency ratio | 55.8648% | 3,933 |
| Assets per employee ($millions) | 5.0882% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 437 |
| Loan loss allowance to noncurrent loans | 643.3628% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 3,430 |
| Noncurrent loans to loans | 0.3227% | 3,129 |
| Net loans and leases to total assets | 61.2721% | 3,085 |
| Net loans and leases to deposits | 72.9148% | 3,042 |
| Net loans and leases to core deposits | 77.0323% | 3,094 |
| Total domestic deposits to total assets | 84.0325% | 2,811 |
| Equity capital to assets | 15.5959% | 526 |
| Core capital (leverage) ratio | 15.6066% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,038,000 | 4,631 |
| Average earning assets | $47,726,750 | 4,641 |
| Average equity | $8,494,500 | 4,391 |
| Average total loans | $35,092,500 | 4,435 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,719 |
| Cost of funding earning assets | 0.8151% | 1,756 |
| Net interest margin | 3.3971% | 3,115 |
| Noninterest income to average assets | 0.8221% | 1,369 |
| Noninterest expense to average assets | 2.1629% | 3,894 |
| Loan and lease loss provision to assets | 0.3842% | 1,069 |
| Net operating income to assets | 1.0998% | 1,965 |
| Return on assets (ROA) | 1.2178% | 1,715 |
| Pretax return on assets | 1.4752% | 1,513 |
| Return on Equity (ROE) | 7.5330% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.5330% | 1,449 |
| Net charge-offs to loans | -0.0228% | 4,450 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7426% | 3,975 |
| Assets per employee ($millions) | 4.9616% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 493 |
| Loan loss allowance to noncurrent loans | 203.1792% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 1,918 |
| Noncurrent loans to loans | 0.9522% | 1,623 |
| Net loans and leases to total assets | 65.2900% | 2,724 |
| Net loans and leases to deposits | 77.8970% | 2,667 |
| Net loans and leases to core deposits | 82.4079% | 2,743 |
| Total domestic deposits to total assets | 83.8158% | 2,810 |
| Equity capital to assets | 15.8251% | 487 |
| Core capital (leverage) ratio | 16.0857% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,060,667 | 4,659 |
| Average earning assets | $46,864,000 | 4,673 |
| Average equity | $8,416,333 | 4,419 |
| Average total loans | $35,116,333 | 4,456 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,763 |
| Cost of funding earning assets | 0.8603% | 2,058 |
| Net interest margin | 3.4938% | 3,002 |
| Noninterest income to average assets | 0.9212% | 1,025 |
| Noninterest expense to average assets | 2.2834% | 3,807 |
| Loan and lease loss provision to assets | 0.3937% | 778 |
| Net operating income to assets | 1.1086% | 1,819 |
| Return on assets (ROA) | 1.2362% | 1,518 |
| Pretax return on assets | 1.5354% | 1,219 |
| Return on Equity (ROE) | 7.5608% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.5608% | 1,357 |
| Net charge-offs to loans | -0.0348% | 4,519 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3107% | 4,182 |
| Assets per employee ($millions) | 4.5722% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 640 |
| Loan loss allowance to noncurrent loans | 475.9124% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 3,368 |
| Noncurrent loans to loans | 0.3936% | 3,075 |
| Net loans and leases to total assets | 67.9186% | 2,552 |
| Net loans and leases to deposits | 81.7729% | 2,479 |
| Net loans and leases to core deposits | 86.9495% | 2,601 |
| Total domestic deposits to total assets | 83.0576% | 3,091 |
| Equity capital to assets | 16.6203% | 496 |
| Core capital (leverage) ratio | 16.7124% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,802,000 | 4,698 |
| Average earning assets | $45,566,000 | 4,710 |
| Average equity | $8,306,000 | 4,455 |
| Average total loans | $34,506,000 | 4,487 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 2,773 |
| Cost of funding earning assets | 0.9239% | 2,092 |
| Net interest margin | 3.6285% | 3,046 |
| Noninterest income to average assets | 0.7677% | 1,553 |
| Noninterest expense to average assets | 2.9386% | 2,173 |
| Loan and lease loss provision to assets | 0.1203% | 1,766 |
| Net operating income to assets | 0.7938% | 3,575 |
| Return on assets (ROA) | 0.7938% | 3,654 |
| Pretax return on assets | 0.9682% | 3,546 |
| Return on Equity (ROE) | 4.8911% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.2735% | 2,820 |
| Net charge-offs to loans | 0.2119% | 967 |
| Credit loss provision to net charge-offs | 85.7143% | 2,714 |
| Earnings coverage of net charge-offs (x) | 7.7571% | 2,847 |
| Efficiency ratio | 72.9716% | 1,739 |
| Assets per employee ($millions) | 4.6645% | 3,000 |
| Cash dividends to net income (ytd only)* | 12.6263% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 715 |
| Loan loss allowance to noncurrent loans | 399.3333% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 3,266 |
| Noncurrent loans to loans | 0.4386% | 2,877 |
| Net loans and leases to total assets | 65.4882% | 3,015 |
| Net loans and leases to deposits | 78.5259% | 2,952 |
| Net loans and leases to core deposits | 82.7962% | 3,059 |
| Total domestic deposits to total assets | 83.3970% | 3,075 |
| Equity capital to assets | 16.0846% | 588 |
| Core capital (leverage) ratio | 15.7737% | 552 |
| Tier 1 risk-based capital ratio | 19.3671% | 1,441 |
| Total risk-based capital ratio | 20.6182% | 1,406 |
| Memoranda: | ||
| Average total assets | $49,888,400 | 4,750 |
| Average earning assets | $44,812,000 | 4,772 |
| Average equity | $8,096,400 | 4,494 |
| Average total loans | $33,029,200 | 4,581 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 2,921 |
| Cost of funding earning assets | 0.9225% | 2,129 |
| Net interest margin | 3.6179% | 3,202 |
| Noninterest income to average assets | 0.7806% | 1,484 |
| Noninterest expense to average assets | 2.2611% | 4,050 |
| Loan and lease loss provision to assets | 0.1211% | 1,617 |
| Net operating income to assets | 1.3297% | 1,728 |
| Return on assets (ROA) | 1.3297% | 1,798 |
| Pretax return on assets | 1.6500% | 1,471 |
| Return on Equity (ROE) | 8.1746% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.1746% | 1,323 |
| Net charge-offs to loans | 0.2240% | 791 |
| Credit loss provision to net charge-offs | 81.8182% | 2,479 |
| Earnings coverage of net charge-offs (x) | 11.9639% | 2,403 |
| Efficiency ratio | 56.0748% | 4,165 |
| Assets per employee ($millions) | 4.5076% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 674 |
| Loan loss allowance to noncurrent loans | 356.5476% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 3,171 |
| Noncurrent loans to loans | 0.5055% | 2,780 |
| Net loans and leases to total assets | 65.8136% | 3,073 |
| Net loans and leases to deposits | 79.6471% | 2,934 |
| Net loans and leases to core deposits | 84.7214% | 3,022 |
| Total domestic deposits to total assets | 82.6315% | 3,269 |
| Equity capital to assets | 16.9551% | 488 |
| Core capital (leverage) ratio | 16.6474% | 482 |
| Tier 1 risk-based capital ratio | 20.1872% | 1,336 |
| Total risk-based capital ratio | 21.4420% | 1,305 |
| Memoranda: | ||
| Average total assets | $49,533,000 | 4,822 |
| Average earning assets | $44,518,250 | 4,845 |
| Average equity | $8,057,250 | 4,547 |
| Average total loans | $32,736,250 | 4,649 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4181% | 3,282 |
| Cost of funding earning assets | 0.8782% | 2,260 |
| Net interest margin | 3.5399% | 3,468 |
| Noninterest income to average assets | 0.7392% | 1,565 |
| Noninterest expense to average assets | 2.2781% | 4,062 |
| Loan and lease loss provision to assets | 0.1212% | 1,548 |
| Net operating income to assets | 1.2360% | 2,023 |
| Return on assets (ROA) | 1.2360% | 2,076 |
| Pretax return on assets | 1.5308% | 1,755 |
| Return on Equity (ROE) | 7.7072% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.7072% | 1,518 |
| Net charge-offs to loans | 0.1842% | 896 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 13.6333% | 2,086 |
| Efficiency ratio | 57.9651% | 4,019 |
| Assets per employee ($millions) | 4.4945% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 636 |
| Loan loss allowance to noncurrent loans | 315.5440% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 2,941 |
| Noncurrent loans to loans | 0.5822% | 2,514 |
| Net loans and leases to total assets | 65.8192% | 3,133 |
| Net loans and leases to deposits | 79.1194% | 3,045 |
| Net loans and leases to core deposits | 83.5906% | 3,145 |
| Total domestic deposits to total assets | 83.1897% | 3,147 |
| Equity capital to assets | 16.5089% | 534 |
| Core capital (leverage) ratio | 16.2310% | 523 |
| Tier 1 risk-based capital ratio | 19.5186% | 1,432 |
| Total risk-based capital ratio | 20.7702% | 1,404 |
| Memoranda: | ||
| Average total assets | $49,516,000 | 4,855 |
| Average earning assets | $44,634,330 | 4,879 |
| Average equity | $7,940,670 | 4,586 |
| Average total loans | $32,571,000 | 4,692 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 3,539 |
| Cost of funding earning assets | 0.8250% | 2,398 |
| Net interest margin | 3.4795% | 3,652 |
| Noninterest income to average assets | 0.7507% | 1,430 |
| Noninterest expense to average assets | 2.1552% | 4,359 |
| Loan and lease loss provision to assets | 0.1211% | 1,449 |
| Net operating income to assets | 1.2915% | 1,725 |
| Return on assets (ROA) | 1.2915% | 1,766 |
| Pretax return on assets | 1.6063% | 1,458 |
| Return on Equity (ROE) | 8.1737% | 3,182 |
| Retained earnings to average equity (ytd only) | 8.1737% | 1,599 |
| Net charge-offs to loans | -0.0124% | 4,310 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5094% | 4,391 |
| Assets per employee ($millions) | 4.5143% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 568 |
| Loan loss allowance to noncurrent loans | 296.2085% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 2,890 |
| Noncurrent loans to loans | 0.6508% | 2,389 |
| Net loans and leases to total assets | 64.0353% | 3,281 |
| Net loans and leases to deposits | 76.5332% | 3,211 |
| Net loans and leases to core deposits | 80.7835% | 3,296 |
| Total domestic deposits to total assets | 83.6700% | 3,161 |
| Equity capital to assets | 15.9595% | 578 |
| Core capital (leverage) ratio | 15.6114% | 581 |
| Tier 1 risk-based capital ratio | 18.2694% | 1,722 |
| Total risk-based capital ratio | 19.5219% | 1,675 |
| Memoranda: | ||
| Average total assets | $49,554,000 | 4,907 |
| Average earning assets | $44,603,500 | 4,933 |
| Average equity | $7,830,000 | 4,636 |
| Average total loans | $32,281,500 | 4,745 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 3,414 |
| Cost of funding earning assets | 0.5967% | 2,748 |
| Net interest margin | 3.6128% | 3,337 |
| Noninterest income to average assets | 0.8211% | 1,393 |
| Noninterest expense to average assets | 3.0865% | 1,838 |
| Loan and lease loss provision to assets | 0.1250% | 1,761 |
| Net operating income to assets | 0.7006% | 4,134 |
| Return on assets (ROA) | 0.7023% | 4,138 |
| Pretax return on assets | 0.8420% | 4,065 |
| Return on Equity (ROE) | 4.3620% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.7148% | 3,532 |
| Net charge-offs to loans | 0.0586% | 2,302 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 25.7222% | 1,760 |
| Efficiency ratio | 76.1831% | 1,335 |
| Assets per employee ($millions) | 4.4955% | 3,180 |
| Cash dividends to net income (ytd only)* | 14.8368% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 581 |
| Loan loss allowance to noncurrent loans | 375.9259% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,244 |
| Noncurrent loans to loans | 0.5040% | 2,761 |
| Net loans and leases to total assets | 63.7621% | 3,385 |
| Net loans and leases to deposits | 76.0369% | 3,347 |
| Net loans and leases to core deposits | 80.1154% | 3,418 |
| Total domestic deposits to total assets | 83.8567% | 3,048 |
| Equity capital to assets | 15.6417% | 594 |
| Core capital (leverage) ratio | 15.7320% | 564 |
| Tier 1 risk-based capital ratio | 19.4872% | 1,407 |
| Total risk-based capital ratio | 20.7405% | 1,375 |
| Memoranda: | ||
| Average total assets | $47,983,000 | 4,976 |
| Average earning assets | $42,903,600 | 4,993 |
| Average equity | $7,725,800 | 4,644 |
| Average total loans | $30,694,000 | 4,802 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 3,486 |
| Cost of funding earning assets | 0.5452% | 2,894 |
| Net interest margin | 3.5971% | 3,377 |
| Noninterest income to average assets | 0.8148% | 1,425 |
| Noninterest expense to average assets | 2.4137% | 3,824 |
| Loan and lease loss provision to assets | 0.1260% | 1,598 |
| Net operating income to assets | 1.2130% | 2,187 |
| Return on assets (ROA) | 1.2152% | 2,178 |
| Pretax return on assets | 1.4925% | 1,922 |
| Return on Equity (ROE) | 7.4921% | 3,756 |
| Retained earnings to average equity (ytd only) | 7.4921% | 1,889 |
| Net charge-offs to loans | 0.1582% | 1,046 |
| Credit loss provision to net charge-offs | 125.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 16.0273% | 2,189 |
| Efficiency ratio | 59.9027% | 3,826 |
| Assets per employee ($millions) | 4.4675% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 654 |
| Loan loss allowance to noncurrent loans | 140.1460% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 1,772 |
| Noncurrent loans to loans | 1.3196% | 1,263 |
| Net loans and leases to total assets | 62.2054% | 3,635 |
| Net loans and leases to deposits | 74.3952% | 3,558 |
| Net loans and leases to core deposits | 78.4605% | 3,626 |
| Total domestic deposits to total assets | 83.6148% | 3,079 |
| Equity capital to assets | 16.0514% | 532 |
| Core capital (leverage) ratio | 16.3334% | 472 |
| Tier 1 risk-based capital ratio | 18.9644% | 1,542 |
| Total risk-based capital ratio | 20.2159% | 1,512 |
| Memoranda: | ||
| Average total assets | $47,616,000 | 5,034 |
| Average earning assets | $42,551,250 | 5,062 |
| Average equity | $7,723,500 | 4,694 |
| Average total loans | $30,332,500 | 4,862 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 3,537 |
| Cost of funding earning assets | 0.5196% | 2,845 |
| Net interest margin | 3.5565% | 3,446 |
| Noninterest income to average assets | 0.8406% | 1,348 |
| Noninterest expense to average assets | 2.4030% | 3,891 |
| Loan and lease loss provision to assets | 0.1274% | 1,558 |
| Net operating income to assets | 1.2023% | 2,190 |
| Return on assets (ROA) | 1.2058% | 2,173 |
| Pretax return on assets | 1.4817% | 1,879 |
| Return on Equity (ROE) | 7.4068% | 3,763 |
| Retained earnings to average equity (ytd only) | 7.4068% | 1,886 |
| Net charge-offs to loans | 0.0998% | 1,355 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,648 |
| Efficiency ratio | 59.9576% | 3,940 |
| Assets per employee ($millions) | 4.3387% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 595 |
| Loan loss allowance to noncurrent loans | 340.3509% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,310 |
| Noncurrent loans to loans | 0.5676% | 2,714 |
| Net loans and leases to total assets | 61.9013% | 3,613 |
| Net loans and leases to deposits | 74.0482% | 3,526 |
| Net loans and leases to core deposits | 78.2078% | 3,559 |
| Total domestic deposits to total assets | 83.5959% | 3,220 |
| Equity capital to assets | 16.1568% | 480 |
| Core capital (leverage) ratio | 16.5213% | 445 |
| Tier 1 risk-based capital ratio | 19.0227% | 1,545 |
| Total risk-based capital ratio | 20.2743% | 1,511 |
| Memoranda: | ||
| Average total assets | $47,107,330 | 5,108 |
| Average earning assets | $41,951,330 | 5,131 |
| Average equity | $7,668,670 | 4,755 |
| Average total loans | $30,061,670 | 4,927 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 3,176 |
| Cost of funding earning assets | 0.4896% | 2,871 |
| Net interest margin | 3.6287% | 3,074 |
| Noninterest income to average assets | 0.8035% | 1,442 |
| Noninterest expense to average assets | 2.4531% | 3,805 |
| Loan and lease loss provision to assets | 0.1282% | 1,472 |
| Net operating income to assets | 1.1795% | 2,097 |
| Return on assets (ROA) | 1.1795% | 2,106 |
| Pretax return on assets | 1.4531% | 1,827 |
| Return on Equity (ROE) | 7.2180% | 3,695 |
| Retained earnings to average equity (ytd only) | 7.2180% | 2,178 |
| Net charge-offs to loans | -0.0133% | 4,371 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8051% | 3,964 |
| Assets per employee ($millions) | 4.2425% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 554 |
| Loan loss allowance to noncurrent loans | 809.7222% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,306 |
| Noncurrent loans to loans | 0.2458% | 3,884 |
| Net loans and leases to total assets | 61.5296% | 3,605 |
| Net loans and leases to deposits | 73.7978% | 3,430 |
| Net loans and leases to core deposits | 78.0357% | 3,490 |
| Total domestic deposits to total assets | 83.3758% | 3,554 |
| Equity capital to assets | 16.3885% | 457 |
| Core capital (leverage) ratio | 16.3339% | 449 |
| Tier 1 risk-based capital ratio | 19.2171% | 1,501 |
| Total risk-based capital ratio | 20.4693% | 1,459 |
| Memoranda: | ||
| Average total assets | $46,798,000 | 5,169 |
| Average earning assets | $41,667,500 | 5,195 |
| Average equity | $7,647,500 | 4,804 |
| Average total loans | $30,030,000 | 4,975 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,200 |
| Cost of funding earning assets | 0.3973% | 3,284 |
| Net interest margin | 3.6648% | 2,935 |
| Noninterest income to average assets | 0.9217% | 1,209 |
| Noninterest expense to average assets | 3.0944% | 1,874 |
| Loan and lease loss provision to assets | 0.2032% | 1,014 |
| Net operating income to assets | 0.8255% | 3,057 |
| Return on assets (ROA) | 0.8255% | 3,096 |
| Pretax return on assets | 0.8789% | 3,979 |
| Return on Equity (ROE) | 5.1077% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.4461% | 2,487 |
| Net charge-offs to loans | 0.2267% | 1,142 |
| Credit loss provision to net charge-offs | 139.7059% | 1,895 |
| Earnings coverage of net charge-offs (x) | 7.4412% | 3,040 |
| Efficiency ratio | 74.0911% | 1,880 |
| Assets per employee ($millions) | 4.2663% | 3,550 |
| Cash dividends to net income (ytd only)* | 12.9534% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 719 |
| Loan loss allowance to noncurrent loans | 798.5915% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,383 |
| Noncurrent loans to loans | 0.2308% | 3,982 |
| Net loans and leases to total assets | 64.3440% | 3,328 |
| Net loans and leases to deposits | 77.3087% | 3,190 |
| Net loans and leases to core deposits | 81.6263% | 3,277 |
| Total domestic deposits to total assets | 83.2300% | 3,484 |
| Equity capital to assets | 16.2948% | 481 |
| Core capital (leverage) ratio | 15.2692% | 574 |
| Tier 1 risk-based capital ratio | 17.6828% | 1,893 |
| Total risk-based capital ratio | 18.9334% | 1,840 |
| Memoranda: | ||
| Average total assets | $46,762,000 | 5,219 |
| Average earning assets | $41,530,400 | 5,241 |
| Average equity | $7,557,200 | 4,851 |
| Average total loans | $30,001,600 | 5,026 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,283 |
| Cost of funding earning assets | 0.3794% | 3,379 |
| Net interest margin | 3.6398% | 2,997 |
| Noninterest income to average assets | 0.9161% | 1,224 |
| Noninterest expense to average assets | 2.2773% | 4,353 |
| Loan and lease loss provision to assets | 0.0999% | 2,110 |
| Net operating income to assets | 1.2585% | 1,474 |
| Return on assets (ROA) | 1.2585% | 1,502 |
| Pretax return on assets | 1.7694% | 962 |
| Return on Equity (ROE) | 7.8037% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.8037% | 1,302 |
| Net charge-offs to loans | 0.1163% | 1,624 |
| Credit loss provision to net charge-offs | 134.6154% | 1,829 |
| Earnings coverage of net charge-offs (x) | 25.1892% | 1,740 |
| Efficiency ratio | 54.9209% | 4,856 |
| Assets per employee ($millions) | 4.2455% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 918 |
| Loan loss allowance to noncurrent loans | 1,307.1429% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,787 |
| Noncurrent loans to loans | 0.1349% | 4,517 |
| Net loans and leases to total assets | 65.4911% | 3,178 |
| Net loans and leases to deposits | 79.4601% | 3,021 |
| Net loans and leases to core deposits | 83.9578% | 3,127 |
| Total domestic deposits to total assets | 82.4201% | 3,653 |
| Equity capital to assets | 16.6934% | 459 |
| Core capital (leverage) ratio | 16.1294% | 476 |
| Tier 1 risk-based capital ratio | 18.1392% | 1,819 |
| Total risk-based capital ratio | 19.3896% | 1,776 |
| Memoranda: | ||
| Average total assets | $46,720,250 | 5,274 |
| Average earning assets | $41,466,250 | 5,297 |
| Average equity | $7,534,750 | 4,902 |
| Average total loans | $29,811,250 | 5,084 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 3,191 |
| Cost of funding earning assets | 0.3742% | 3,349 |
| Net interest margin | 3.6300% | 2,913 |
| Noninterest income to average assets | 0.9160% | 1,225 |
| Noninterest expense to average assets | 2.2985% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2883% | 1,325 |
| Return on assets (ROA) | 1.2883% | 1,352 |
| Pretax return on assets | 1.8148% | 811 |
| Return on Equity (ROE) | 8.0831% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.0831% | 1,124 |
| Net charge-offs to loans | -0.1158% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8793% | 4,842 |
| Assets per employee ($millions) | 4.2458% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 745 |
| Loan loss allowance to noncurrent loans | 843.9394% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 4,613 |
| Noncurrent loans to loans | 0.2232% | 4,226 |
| Net loans and leases to total assets | 62.1210% | 3,621 |
| Net loans and leases to deposits | 74.7546% | 3,471 |
| Net loans and leases to core deposits | 78.9426% | 3,512 |
| Total domestic deposits to total assets | 83.0999% | 3,536 |
| Equity capital to assets | 16.3027% | 499 |
| Core capital (leverage) ratio | 15.8570% | 493 |
| Tier 1 risk-based capital ratio | 18.4566% | 1,729 |
| Total risk-based capital ratio | 19.7090% | 1,689 |
| Memoranda: | ||
| Average total assets | $46,726,670 | 5,316 |
| Average earning assets | $41,157,330 | 5,342 |
| Average equity | $7,447,670 | 4,936 |
| Average total loans | $29,370,330 | 5,136 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 3,113 |
| Cost of funding earning assets | 0.3698% | 3,312 |
| Net interest margin | 3.6108% | 2,850 |
| Noninterest income to average assets | 1.1725% | 740 |
| Noninterest expense to average assets | 2.2936% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4207% | 957 |
| Return on assets (ROA) | 1.4207% | 984 |
| Pretax return on assets | 2.0540% | 457 |
| Return on Equity (ROE) | 9.0162% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.0162% | 1,075 |
| Net charge-offs to loans | -0.0547% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7559% | 5,229 |
| Assets per employee ($millions) | 4.2612% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 816 |
| Loan loss allowance to noncurrent loans | 1,470.2703% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,955 |
| Noncurrent loans to loans | 0.1279% | 4,671 |
| Net loans and leases to total assets | 60.5402% | 3,727 |
| Net loans and leases to deposits | 72.3922% | 3,573 |
| Net loans and leases to core deposits | 76.3911% | 3,621 |
| Total domestic deposits to total assets | 83.6281% | 3,610 |
| Equity capital to assets | 15.8983% | 514 |
| Core capital (leverage) ratio | 15.3186% | 554 |
| Tier 1 risk-based capital ratio | 18.6300% | 1,712 |
| Total risk-based capital ratio | 19.8825% | 1,668 |
| Memoranda: | ||
| Average total assets | $46,738,000 | 5,376 |
| Average earning assets | $41,098,500 | 5,403 |
| Average equity | $7,364,500 | 4,990 |
| Average total loans | $29,270,500 | 5,185 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,098 |
| Cost of funding earning assets | 0.3294% | 3,755 |
| Net interest margin | 3.6993% | 2,697 |
| Noninterest income to average assets | 0.8749% | 1,498 |
| Noninterest expense to average assets | 3.2469% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7685% | 3,459 |
| Return on assets (ROA) | 0.7685% | 3,561 |
| Pretax return on assets | 0.9612% | 3,611 |
| Return on Equity (ROE) | 4.7335% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.0514% | 3,035 |
| Net charge-offs to loans | 0.3110% | 886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.7174% | 3,459 |
| Efficiency ratio | 77.1579% | 1,820 |
| Assets per employee ($millions) | 4.2366% | 3,551 |
| Cash dividends to net income (ytd only)* | 14.4092% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 910 |
| Loan loss allowance to noncurrent loans | 13,500.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,376 |
| Noncurrent loans to loans | 0.0135% | 5,224 |
| Net loans and leases to total assets | 62.3994% | 3,560 |
| Net loans and leases to deposits | 74.4134% | 3,472 |
| Net loans and leases to core deposits | 77.2521% | 3,629 |
| Total domestic deposits to total assets | 83.8551% | 3,482 |
| Equity capital to assets | 15.6149% | 546 |
| Core capital (leverage) ratio | 15.3282% | 556 |
| Tier 1 risk-based capital ratio | 17.8327% | 1,898 |
| Total risk-based capital ratio | 19.0834% | 1,853 |
| Memoranda: | ||
| Average total assets | $45,150,400 | 5,438 |
| Average earning assets | $40,683,200 | 5,451 |
| Average equity | $7,330,800 | 5,033 |
| Average total loans | $29,586,000 | 5,205 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 3,095 |
| Cost of funding earning assets | 0.3274% | 3,804 |
| Net interest margin | 3.7057% | 2,700 |
| Noninterest income to average assets | 0.9348% | 1,297 |
| Noninterest expense to average assets | 2.2952% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3962% | 1,076 |
| Return on assets (ROA) | 1.3962% | 1,131 |
| Pretax return on assets | 2.0095% | 559 |
| Return on Equity (ROE) | 8.5144% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.5144% | 977 |
| Net charge-offs to loans | 0.1623% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.7496% | 1,977 |
| Efficiency ratio | 53.3195% | 5,283 |
| Assets per employee ($millions) | 4.0497% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0590% | 654 |
| Loan loss allowance to noncurrent loans | 6,622.2222% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,436 |
| Noncurrent loans to loans | 0.0311% | 5,257 |
| Net loans and leases to total assets | 63.6406% | 3,446 |
| Net loans and leases to deposits | 77.1324% | 3,271 |
| Net loans and leases to core deposits | 80.2593% | 3,422 |
| Total domestic deposits to total assets | 82.5084% | 3,775 |
| Equity capital to assets | 17.0068% | 434 |
| Core capital (leverage) ratio | 16.6480% | 394 |
| Tier 1 risk-based capital ratio | 19.5658% | 1,531 |
| Total risk-based capital ratio | 20.8195% | 1,497 |
| Memoranda: | ||
| Average total assets | $44,787,250 | 5,500 |
| Average earning assets | $40,729,500 | 5,505 |
| Average equity | $7,344,250 | 5,083 |
| Average total loans | $29,577,500 | 5,253 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 2,948 |
| Cost of funding earning assets | 0.3206% | 3,895 |
| Net interest margin | 3.7588% | 2,481 |
| Noninterest income to average assets | 0.9093% | 1,350 |
| Noninterest expense to average assets | 2.3536% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3551% | 1,153 |
| Return on assets (ROA) | 1.3551% | 1,225 |
| Pretax return on assets | 1.9524% | 629 |
| Return on Equity (ROE) | 8.3666% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.3666% | 1,054 |
| Net charge-offs to loans | 0.2417% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 2,203 |
| Efficiency ratio | 54.6584% | 5,257 |
| Assets per employee ($millions) | 4.0504% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 716 |
| Loan loss allowance to noncurrent loans | 3,136.8421% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,404 |
| Noncurrent loans to loans | 0.0641% | 5,196 |
| Net loans and leases to total assets | 65.1502% | 3,206 |
| Net loans and leases to deposits | 78.5958% | 3,098 |
| Net loans and leases to core deposits | 81.7616% | 3,290 |
| Total domestic deposits to total assets | 82.8927% | 3,693 |
| Equity capital to assets | 16.6876% | 469 |
| Core capital (leverage) ratio | 16.2257% | 437 |
| Tier 1 risk-based capital ratio | 19.1516% | 1,658 |
| Total risk-based capital ratio | 20.4045% | 1,624 |
| Memoranda: | ||
| Average total assets | $44,867,330 | 5,562 |
| Average earning assets | $40,544,670 | 5,574 |
| Average equity | $7,267,000 | 5,146 |
| Average total loans | $29,788,000 | 5,301 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 2,821 |
| Cost of funding earning assets | 0.3152% | 4,006 |
| Net interest margin | 3.7919% | 2,315 |
| Noninterest income to average assets | 1.0750% | 936 |
| Noninterest expense to average assets | 2.4076% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4215% | 1,005 |
| Return on assets (ROA) | 1.4215% | 1,053 |
| Pretax return on assets | 2.0878% | 478 |
| Return on Equity (ROE) | 8.9099% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.9099% | 1,139 |
| Net charge-offs to loans | -0.0536% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5573% | 5,417 |
| Assets per employee ($millions) | 4.0818% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1393% | 638 |
| Loan loss allowance to noncurrent loans | 1,042.6230% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 5,029 |
| Noncurrent loans to loans | 0.2052% | 4,686 |
| Net loans and leases to total assets | 64.7951% | 3,135 |
| Net loans and leases to deposits | 77.7617% | 3,026 |
| Net loans and leases to core deposits | 80.8431% | 3,249 |
| Total domestic deposits to total assets | 83.3252% | 3,781 |
| Equity capital to assets | 16.2405% | 505 |
| Core capital (leverage) ratio | 15.7057% | 508 |
| Tier 1 risk-based capital ratio | 18.9069% | 1,756 |
| Total risk-based capital ratio | 20.1618% | 1,721 |
| Memoranda: | ||
| Average total assets | $45,024,000 | 5,615 |
| Average earning assets | $40,612,500 | 5,625 |
| Average equity | $7,183,000 | 5,193 |
| Average total loans | $29,870,500 | 5,341 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 3,513 |
| Cost of funding earning assets | 0.3080% | 4,167 |
| Net interest margin | 3.6446% | 2,963 |
| Noninterest income to average assets | 0.8126% | 1,735 |
| Noninterest expense to average assets | 3.0124% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7981% | 3,351 |
| Return on assets (ROA) | 0.8258% | 3,299 |
| Pretax return on assets | 1.1209% | 2,955 |
| Return on Equity (ROE) | 5.3238% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.6140% | 2,700 |
| Net charge-offs to loans | -0.0415% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5484% | 2,650 |
| Assets per employee ($millions) | 4.1044% | 3,751 |
| Cash dividends to net income (ytd only)* | 13.3333% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 682 |
| Loan loss allowance to noncurrent loans | 10,533.3333% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 5,649 |
| Noncurrent loans to loans | 0.0200% | 5,437 |
| Net loans and leases to total assets | 65.0749% | 3,108 |
| Net loans and leases to deposits | 77.5464% | 3,097 |
| Net loans and leases to core deposits | 79.9565% | 3,350 |
| Total domestic deposits to total assets | 83.9173% | 3,508 |
| Equity capital to assets | 15.6685% | 568 |
| Core capital (leverage) ratio | 15.0740% | 600 |
| Tier 1 risk-based capital ratio | 18.0688% | 1,947 |
| Total risk-based capital ratio | 19.3246% | 1,902 |
| Memoranda: | ||
| Average total assets | $45,411,600 | 5,650 |
| Average earning assets | $40,909,400 | 5,650 |
| Average equity | $7,043,800 | 5,232 |
| Average total loans | $28,887,800 | 5,407 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,663 |
| Cost of funding earning assets | 0.3089% | 4,239 |
| Net interest margin | 3.6154% | 3,097 |
| Noninterest income to average assets | 0.8444% | 1,636 |
| Noninterest expense to average assets | 2.1490% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3523% | 1,223 |
| Return on assets (ROA) | 1.3867% | 1,193 |
| Pretax return on assets | 2.0053% | 598 |
| Return on Equity (ROE) | 8.9629% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.9629% | 922 |
| Net charge-offs to loans | -0.1631% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3571% | 5,626 |
| Assets per employee ($millions) | 4.1875% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 588 |
| Loan loss allowance to noncurrent loans | 1,819.4444% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 5,444 |
| Noncurrent loans to loans | 0.1250% | 5,129 |
| Net loans and leases to total assets | 61.0816% | 3,722 |
| Net loans and leases to deposits | 72.8912% | 3,662 |
| Net loans and leases to core deposits | 75.1095% | 3,901 |
| Total domestic deposits to total assets | 83.7983% | 3,507 |
| Equity capital to assets | 15.7480% | 604 |
| Core capital (leverage) ratio | 15.7233% | 529 |
| Tier 1 risk-based capital ratio | 19.0692% | 1,755 |
| Total risk-based capital ratio | 20.3241% | 1,724 |
| Memoranda: | ||
| Average total assets | $45,477,500 | 5,720 |
| Average earning assets | $41,008,500 | 5,721 |
| Average equity | $7,036,250 | 5,304 |
| Average total loans | $28,606,750 | 5,486 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 3,521 |
| Cost of funding earning assets | 0.3082% | 4,306 |
| Net interest margin | 3.6350% | 2,959 |
| Noninterest income to average assets | 0.9054% | 1,427 |
| Noninterest expense to average assets | 2.0714% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4575% | 973 |
| Return on assets (ROA) | 1.4575% | 1,023 |
| Pretax return on assets | 2.1156% | 483 |
| Return on Equity (ROE) | 9.4778% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.4778% | 785 |
| Net charge-offs to loans | -0.2242% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4726% | 5,875 |
| Assets per employee ($millions) | 4.0407% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 652 |
| Loan loss allowance to noncurrent loans | 4,657.1429% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 5,743 |
| Noncurrent loans to loans | 0.0489% | 5,551 |
| Net loans and leases to total assets | 62.9635% | 3,418 |
| Net loans and leases to deposits | 75.2312% | 3,357 |
| Net loans and leases to core deposits | 77.6052% | 3,616 |
| Total domestic deposits to total assets | 83.6933% | 3,695 |
| Equity capital to assets | 15.9310% | 535 |
| Core capital (leverage) ratio | 15.5832% | 529 |
| Tier 1 risk-based capital ratio | 18.8998% | 1,811 |
| Total risk-based capital ratio | 20.1562% | 1,779 |
| Memoranda: | ||
| Average total assets | $45,282,330 | 5,786 |
| Average earning assets | $40,880,000 | 5,789 |
| Average equity | $6,963,670 | 5,367 |
| Average total loans | $28,545,330 | 5,533 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,464 |
| Cost of funding earning assets | 0.3000% | 4,442 |
| Net interest margin | 3.6384% | 2,865 |
| Noninterest income to average assets | 0.8928% | 1,406 |
| Noninterest expense to average assets | 1.8906% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5974% | 707 |
| Return on assets (ROA) | 1.6280% | 711 |
| Pretax return on assets | 2.3370% | 305 |
| Return on Equity (ROE) | 10.7748% | 1,705 |
| Retained earnings to average equity (ytd only) | 10.7748% | 758 |
| Net charge-offs to loans | -0.4070% | 6,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1883% | 6,137 |
| Assets per employee ($millions) | 4.1431% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3483% | 663 |
| Loan loss allowance to noncurrent loans | 2,093.5484% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 5,662 |
| Noncurrent loans to loans | 0.1122% | 5,362 |
| Net loans and leases to total assets | 59.2180% | 3,767 |
| Net loans and leases to deposits | 70.3784% | 3,711 |
| Net loans and leases to core deposits | 72.5250% | 3,912 |
| Total domestic deposits to total assets | 84.1423% | 3,764 |
| Equity capital to assets | 15.3925% | 646 |
| Core capital (leverage) ratio | 15.1883% | 582 |
| Tier 1 risk-based capital ratio | 19.3628% | 1,775 |
| Total risk-based capital ratio | 20.6180% | 1,726 |
| Memoranda: | ||
| Average total assets | $45,699,500 | 5,827 |
| Average earning assets | $41,337,000 | 5,833 |
| Average equity | $6,905,000 | 5,424 |
| Average total loans | $28,499,000 | 5,574 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,022 |
| Cost of funding earning assets | 0.2976% | 4,820 |
| Net interest margin | 3.8781% | 2,323 |
| Noninterest income to average assets | 0.8410% | 1,711 |
| Noninterest expense to average assets | 3.0451% | 2,707 |
| Loan and lease loss provision to assets | 0.0553% | 3,443 |
| Net operating income to assets | 0.9228% | 2,762 |
| Return on assets (ROA) | 0.9228% | 2,858 |
| Pretax return on assets | 1.2304% | 2,529 |
| Return on Equity (ROE) | 6.1781% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.4374% | 2,302 |
| Net charge-offs to loans | -0.2603% | 6,308 |
| Credit loss provision to net charge-offs | -33.7838% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3117% | 3,480 |
| Assets per employee ($millions) | 4.1659% | 3,604 |
| Cash dividends to net income (ytd only)* | 11.9904% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 933 |
| Loan loss allowance to noncurrent loans | 3,444.4444% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 5,884 |
| Noncurrent loans to loans | 0.0613% | 5,633 |
| Net loans and leases to total assets | 62.7190% | 3,403 |
| Net loans and leases to deposits | 76.1734% | 3,176 |
| Net loans and leases to core deposits | 78.4823% | 3,469 |
| Total domestic deposits to total assets | 82.3372% | 4,298 |
| Equity capital to assets | 14.8282% | 730 |
| Core capital (leverage) ratio | 14.7846% | 650 |
| Tier 1 risk-based capital ratio | 18.1633% | 2,089 |
| Total risk-based capital ratio | 19.4146% | 2,047 |
| Memoranda: | ||
| Average total assets | $45,186,800 | 5,903 |
| Average earning assets | $40,664,600 | 5,902 |
| Average equity | $6,749,600 | 5,468 |
| Average total loans | $28,427,200 | 5,630 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 3,019 |
| Cost of funding earning assets | 0.2964% | 4,916 |
| Net interest margin | 3.8961% | 2,260 |
| Noninterest income to average assets | 0.8617% | 1,655 |
| Noninterest expense to average assets | 2.2327% | 5,276 |
| Loan and lease loss provision to assets | 0.0740% | 2,860 |
| Net operating income to assets | 1.4421% | 1,044 |
| Return on assets (ROA) | 1.4421% | 1,084 |
| Pretax return on assets | 2.0580% | 500 |
| Return on Equity (ROE) | 9.6363% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.6363% | 798 |
| Net charge-offs to loans | -0.3499% | 6,414 |
| Credit loss provision to net charge-offs | -33.7838% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1533% | 6,044 |
| Assets per employee ($millions) | 4.0599% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 1,028 |
| Loan loss allowance to noncurrent loans | 2,952.3810% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,971 |
| Noncurrent loans to loans | 0.0726% | 5,733 |
| Net loans and leases to total assets | 63.3445% | 3,292 |
| Net loans and leases to deposits | 75.6128% | 3,227 |
| Net loans and leases to core deposits | 77.9204% | 3,546 |
| Total domestic deposits to total assets | 83.7748% | 3,847 |
| Equity capital to assets | 15.5355% | 626 |
| Core capital (leverage) ratio | 14.9942% | 616 |
| Tier 1 risk-based capital ratio | 19.0319% | 1,899 |
| Total risk-based capital ratio | 20.2812% | 1,864 |
| Memoranda: | ||
| Average total assets | $45,027,250 | 5,972 |
| Average earning assets | $40,483,750 | 5,980 |
| Average equity | $6,738,250 | 5,524 |
| Average total loans | $28,193,750 | 5,696 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,334 |
| Cost of funding earning assets | 0.2961% | 5,005 |
| Net interest margin | 3.8055% | 2,553 |
| Noninterest income to average assets | 0.8505% | 1,659 |
| Noninterest expense to average assets | 2.2813% | 5,197 |
| Loan and lease loss provision to assets | 0.1107% | 2,177 |
| Net operating income to assets | 1.3156% | 1,265 |
| Return on assets (ROA) | 1.3156% | 1,313 |
| Pretax return on assets | 1.8738% | 721 |
| Return on Equity (ROE) | 8.9033% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.9033% | 1,023 |
| Net charge-offs to loans | 0.1932% | 1,869 |
| Credit loss provision to net charge-offs | 92.5926% | 2,135 |
| Earnings coverage of net charge-offs (x) | 16.5926% | 1,784 |
| Efficiency ratio | 53.4787% | 5,954 |
| Assets per employee ($millions) | 4.1004% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 1,687 |
| Loan loss allowance to noncurrent loans | 5,190.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 6,157 |
| Noncurrent loans to loans | 0.0358% | 5,954 |
| Net loans and leases to total assets | 60.8305% | 3,590 |
| Net loans and leases to deposits | 72.2787% | 3,539 |
| Net loans and leases to core deposits | 74.4519% | 3,791 |
| Total domestic deposits to total assets | 84.1611% | 3,866 |
| Equity capital to assets | 15.1805% | 662 |
| Core capital (leverage) ratio | 14.5303% | 693 |
| Tier 1 risk-based capital ratio | 18.7573% | 1,987 |
| Total risk-based capital ratio | 20.0113% | 1,947 |
| Memoranda: | ||
| Average total assets | $45,150,000 | 6,025 |
| Average earning assets | $40,520,330 | 6,032 |
| Average equity | $6,671,670 | 5,566 |
| Average total loans | $27,955,330 | 5,752 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 3,210 |
| Cost of funding earning assets | 0.2871% | 5,200 |
| Net interest margin | 3.8314% | 2,336 |
| Noninterest income to average assets | 1.0626% | 990 |
| Noninterest expense to average assets | 2.2580% | 5,307 |
| Loan and lease loss provision to assets | 0.2214% | 1,023 |
| Net operating income to assets | 1.3814% | 1,029 |
| Return on assets (ROA) | 1.3814% | 1,071 |
| Pretax return on assets | 2.0101% | 524 |
| Return on Equity (ROE) | 9.4775% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.4775% | 1,115 |
| Net charge-offs to loans | 0.4150% | 876 |
| Credit loss provision to net charge-offs | 86.2069% | 1,833 |
| Earnings coverage of net charge-offs (x) | 8.6897% | 1,998 |
| Efficiency ratio | 50.2959% | 6,239 |
| Assets per employee ($millions) | 4.1979% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 1,729 |
| Loan loss allowance to noncurrent loans | 3,231.2500% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 6,192 |
| Noncurrent loans to loans | 0.0590% | 5,977 |
| Net loans and leases to total assets | 57.5655% | 3,918 |
| Net loans and leases to deposits | 67.8130% | 3,877 |
| Net loans and leases to core deposits | 69.7782% | 4,118 |
| Total domestic deposits to total assets | 84.8886% | 3,925 |
| Equity capital to assets | 14.5614% | 772 |
| Core capital (leverage) ratio | 14.1675% | 770 |
| Tier 1 risk-based capital ratio | 18.3854% | 2,151 |
| Total risk-based capital ratio | 19.6388% | 2,117 |
| Memoranda: | ||
| Average total assets | $45,173,000 | 6,085 |
| Average earning assets | $40,403,500 | 6,093 |
| Average equity | $6,584,000 | 5,620 |
| Average total loans | $27,955,000 | 5,799 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 4,085 |
| Cost of funding earning assets | 0.3291% | 5,336 |
| Net interest margin | 3.6695% | 3,176 |
| Noninterest income to average assets | 0.7856% | 2,141 |
| Noninterest expense to average assets | 2.8647% | 3,479 |
| Loan and lease loss provision to assets | 0.1343% | 2,630 |
| Net operating income to assets | 0.8012% | 3,287 |
| Return on assets (ROA) | 0.8012% | 3,388 |
| Pretax return on assets | 1.0810% | 3,023 |
| Return on Equity (ROE) | 5.5708% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.7927% | 2,736 |
| Net charge-offs to loans | 0.3877% | 1,739 |
| Credit loss provision to net charge-offs | 54.0541% | 3,727 |
| Earnings coverage of net charge-offs (x) | 4.8919% | 3,430 |
| Efficiency ratio | 70.2139% | 3,805 |
| Assets per employee ($millions) | 4.0154% | 3,836 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,041 |
| Loan loss allowance to noncurrent loans | 430.5785% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 4,827 |
| Noncurrent loans to loans | 0.4200% | 4,945 |
| Net loans and leases to total assets | 64.0494% | 3,037 |
| Net loans and leases to deposits | 75.4762% | 3,032 |
| Net loans and leases to core deposits | 77.7198% | 3,403 |
| Total domestic deposits to total assets | 84.8604% | 3,824 |
| Equity capital to assets | 14.5894% | 763 |
| Core capital (leverage) ratio | 13.9363% | 841 |
| Tier 1 risk-based capital ratio | 17.5134% | 2,408 |
| Total risk-based capital ratio | 18.7640% | 2,385 |
| Memoranda: | ||
| Average total assets | $44,681,600 | 6,160 |
| Average earning assets | $40,115,000 | 6,167 |
| Average equity | $6,426,400 | 5,709 |
| Average total loans | $28,627,200 | 5,821 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 4,096 |
| Cost of funding earning assets | 0.3335% | 5,443 |
| Net interest margin | 3.6749% | 3,133 |
| Noninterest income to average assets | 0.7915% | 2,190 |
| Noninterest expense to average assets | 2.1810% | 5,644 |
| Loan and lease loss provision to assets | 0.1339% | 2,605 |
| Net operating income to assets | 1.3092% | 1,331 |
| Return on assets (ROA) | 1.3092% | 1,384 |
| Pretax return on assets | 1.7882% | 927 |
| Return on Equity (ROE) | 9.1350% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.1350% | 1,021 |
| Net charge-offs to loans | 0.4199% | 1,524 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 7.1776% | 2,833 |
| Efficiency ratio | 53.1545% | 6,171 |
| Assets per employee ($millions) | 4.0599% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8304% | 2,205 |
| Loan loss allowance to noncurrent loans | 319.3939% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 4,757 |
| Noncurrent loans to loans | 0.5731% | 4,770 |
| Net loans and leases to total assets | 63.2907% | 3,113 |
| Net loans and leases to deposits | 74.5837% | 3,146 |
| Net loans and leases to core deposits | 76.7716% | 3,527 |
| Total domestic deposits to total assets | 84.8586% | 3,812 |
| Equity capital to assets | 14.6936% | 777 |
| Core capital (leverage) ratio | 14.6125% | 709 |
| Tier 1 risk-based capital ratio | 17.9628% | 2,341 |
| Total risk-based capital ratio | 19.2151% | 2,305 |
| Memoranda: | ||
| Average total assets | $44,809,750 | 6,221 |
| Average earning assets | $40,381,500 | 6,228 |
| Average equity | $6,422,000 | 5,784 |
| Average total loans | $28,581,250 | 5,883 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 4,391 |
| Cost of funding earning assets | 0.3413% | 5,484 |
| Net interest margin | 3.5811% | 3,448 |
| Noninterest income to average assets | 0.8426% | 2,021 |
| Noninterest expense to average assets | 2.1801% | 5,681 |
| Loan and lease loss provision to assets | 0.1337% | 2,651 |
| Net operating income to assets | 1.2350% | 1,500 |
| Return on assets (ROA) | 1.2350% | 1,599 |
| Pretax return on assets | 1.7566% | 1,004 |
| Return on Equity (ROE) | 8.6897% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.6897% | 1,226 |
| Net charge-offs to loans | 0.3087% | 1,950 |
| Credit loss provision to net charge-offs | 68.1818% | 2,865 |
| Earnings coverage of net charge-offs (x) | 9.6364% | 2,252 |
| Efficiency ratio | 53.5597% | 6,176 |
| Assets per employee ($millions) | 3.9961% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,056 |
| Loan loss allowance to noncurrent loans | 340.2439% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 4,825 |
| Noncurrent loans to loans | 0.5643% | 4,853 |
| Net loans and leases to total assets | 64.8452% | 2,785 |
| Net loans and leases to deposits | 76.3916% | 2,822 |
| Net loans and leases to core deposits | 78.6686% | 3,204 |
| Total domestic deposits to total assets | 84.8852% | 3,951 |
| Equity capital to assets | 14.6484% | 788 |
| Core capital (leverage) ratio | 13.9822% | 827 |
| Tier 1 risk-based capital ratio | 17.9600% | 2,324 |
| Total risk-based capital ratio | 19.2157% | 2,291 |
| Memoranda: | ||
| Average total assets | $44,860,000 | 6,262 |
| Average earning assets | $40,435,000 | 6,269 |
| Average equity | $6,375,330 | 5,829 |
| Average total loans | $28,511,000 | 5,912 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,817 |
| Cost of funding earning assets | 0.3537% | 5,495 |
| Net interest margin | 3.7235% | 2,762 |
| Noninterest income to average assets | 0.9357% | 1,648 |
| Noninterest expense to average assets | 2.1981% | 5,691 |
| Loan and lease loss provision to assets | 0.1324% | 2,583 |
| Net operating income to assets | 1.3595% | 1,126 |
| Return on assets (ROA) | 1.3595% | 1,217 |
| Pretax return on assets | 1.9509% | 660 |
| Return on Equity (ROE) | 9.7107% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.7107% | 1,184 |
| Net charge-offs to loans | 0.3258% | 1,663 |
| Credit loss provision to net charge-offs | 65.2174% | 2,355 |
| Earnings coverage of net charge-offs (x) | 10.2609% | 1,760 |
| Efficiency ratio | 51.3402% | 6,419 |
| Assets per employee ($millions) | 4.1812% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 1,990 |
| Loan loss allowance to noncurrent loans | 350.3106% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 4,829 |
| Noncurrent loans to loans | 0.5766% | 5,001 |
| Net loans and leases to total assets | 59.4873% | 3,522 |
| Net loans and leases to deposits | 69.6112% | 3,557 |
| Net loans and leases to core deposits | 71.5706% | 3,873 |
| Total domestic deposits to total assets | 85.4565% | 3,817 |
| Equity capital to assets | 13.9652% | 1,038 |
| Core capital (leverage) ratio | 13.6124% | 907 |
| Tier 1 risk-based capital ratio | 18.9326% | 2,062 |
| Total risk-based capital ratio | 20.1877% | 2,036 |
| Memoranda: | ||
| Average total assets | $45,311,500 | 6,306 |
| Average earning assets | $40,714,500 | 6,319 |
| Average equity | $6,343,500 | 5,901 |
| Average total loans | $28,235,500 | 5,973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 3,887 |
| Cost of funding earning assets | 0.5830% | 4,509 |
| Net interest margin | 3.7987% | 3,230 |
| Noninterest income to average assets | 0.8753% | 1,944 |
| Noninterest expense to average assets | 3.0127% | 3,224 |
| Loan and lease loss provision to assets | 0.0926% | 4,518 |
| Net operating income to assets | 0.9263% | 2,669 |
| Return on assets (ROA) | 0.9263% | 2,917 |
| Pretax return on assets | 1.1949% | 2,826 |
| Return on Equity (ROE) | 6.4191% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.6167% | 2,302 |
| Net charge-offs to loans | 0.1975% | 3,798 |
| Credit loss provision to net charge-offs | 76.9231% | 3,932 |
| Earnings coverage of net charge-offs (x) | 10.6923% | 2,118 |
| Efficiency ratio | 70.0592% | 3,806 |
| Assets per employee ($millions) | 4.4630% | 3,030 |
| Cash dividends to net income (ytd only)* | 12.5000% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 2,009 |
| Loan loss allowance to noncurrent loans | 330.6358% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 4,812 |
| Noncurrent loans to loans | 0.6060% | 5,004 |
| Net loans and leases to total assets | 62.6821% | 3,125 |
| Net loans and leases to deposits | 73.6378% | 3,152 |
| Net loans and leases to core deposits | 75.7391% | 3,567 |
| Total domestic deposits to total assets | 85.1221% | 3,808 |
| Equity capital to assets | 14.0354% | 1,036 |
| Core capital (leverage) ratio | 13.9783% | 810 |
| Tier 1 risk-based capital ratio | 18.1125% | 2,223 |
| Total risk-based capital ratio | 19.3587% | 2,195 |
| Memoranda: | ||
| Average total assets | $43,183,400 | 6,392 |
| Average earning assets | $38,934,800 | 6,397 |
| Average equity | $6,231,400 | 5,960 |
| Average total loans | $26,334,000 | 6,122 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 4,247 |
| Cost of funding earning assets | 0.5985% | 4,668 |
| Net interest margin | 3.7526% | 3,534 |
| Noninterest income to average assets | 0.8438% | 2,061 |
| Noninterest expense to average assets | 2.2979% | 5,681 |
| Loan and lease loss provision to assets | 0.0623% | 4,933 |
| Net operating income to assets | 1.3389% | 1,353 |
| Return on assets (ROA) | 1.3389% | 1,492 |
| Pretax return on assets | 1.8806% | 910 |
| Return on Equity (ROE) | 9.2125% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.2125% | 1,149 |
| Net charge-offs to loans | 0.2276% | 3,356 |
| Credit loss provision to net charge-offs | 45.4545% | 4,503 |
| Earnings coverage of net charge-offs (x) | 14.1807% | 1,858 |
| Efficiency ratio | 54.1850% | 6,233 |
| Assets per employee ($millions) | 4.2860% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0846% | 1,945 |
| Loan loss allowance to noncurrent loans | 188.5522% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 4,955 |
| Noncurrent loans to loans | 1.1056% | 4,208 |
| Net loans and leases to total assets | 61.3719% | 3,499 |
| Net loans and leases to deposits | 72.7233% | 3,494 |
| Net loans and leases to core deposits | 74.9018% | 3,860 |
| Total domestic deposits to total assets | 84.3910% | 4,041 |
| Equity capital to assets | 14.7597% | 880 |
| Core capital (leverage) ratio | 14.5960% | 687 |
| Tier 1 risk-based capital ratio | 19.5561% | 1,868 |
| Total risk-based capital ratio | 20.8202% | 1,834 |
| Memoranda: | ||
| Average total assets | $42,821,750 | 6,475 |
| Average earning assets | $38,763,000 | 6,478 |
| Average equity | $6,223,250 | 6,027 |
| Average total loans | $25,780,750 | 6,230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 4,117 |
| Cost of funding earning assets | 0.6236% | 4,689 |
| Net interest margin | 3.7932% | 3,390 |
| Noninterest income to average assets | 0.7989% | 2,187 |
| Noninterest expense to average assets | 2.4014% | 5,459 |
| Loan and lease loss provision to assets | 0.0934% | 4,387 |
| Net operating income to assets | 1.2848% | 1,479 |
| Return on assets (ROA) | 1.2848% | 1,635 |
| Pretax return on assets | 1.7426% | 1,156 |
| Return on Equity (ROE) | 8.8867% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.8867% | 1,313 |
| Net charge-offs to loans | 0.3777% | 2,505 |
| Credit loss provision to net charge-offs | 41.6667% | 4,227 |
| Earnings coverage of net charge-offs (x) | 8.1875% | 2,352 |
| Efficiency ratio | 56.6703% | 6,044 |
| Assets per employee ($millions) | 4.2324% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 1,752 |
| Loan loss allowance to noncurrent loans | 280.8081% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 5,243 |
| Noncurrent loans to loans | 0.7856% | 4,935 |
| Net loans and leases to total assets | 58.2388% | 4,120 |
| Net loans and leases to deposits | 69.6103% | 3,951 |
| Net loans and leases to core deposits | 71.7396% | 4,324 |
| Total domestic deposits to total assets | 83.6641% | 4,462 |
| Equity capital to assets | 15.2821% | 720 |
| Core capital (leverage) ratio | 14.1169% | 776 |
| Tier 1 risk-based capital ratio | 20.4706% | 1,585 |
| Total risk-based capital ratio | 21.7188% | 1,564 |
| Memoranda: | ||
| Average total assets | $42,809,000 | 6,515 |
| Average earning assets | $38,806,000 | 6,518 |
| Average equity | $6,189,000 | 6,066 |
| Average total loans | $25,419,670 | 6,294 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 4,152 |
| Cost of funding earning assets | 0.6448% | 4,776 |
| Net interest margin | 3.7971% | 3,403 |
| Noninterest income to average assets | 0.6597% | 2,871 |
| Noninterest expense to average assets | 2.3414% | 5,660 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4494% | 1,120 |
| Return on assets (ROA) | 1.4494% | 1,252 |
| Pretax return on assets | 1.7653% | 1,162 |
| Return on Equity (ROE) | 10.3149% | 2,296 |
| Retained earnings to average equity (ytd only) | 10.3149% | 1,196 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0136% | 6,032 |
| Assets per employee ($millions) | 4.4346% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3989% | 1,506 |
| Loan loss allowance to noncurrent loans | 299.4872% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,451 |
| Noncurrent loans to loans | 0.8010% | 5,073 |
| Net loans and leases to total assets | 53.5787% | 4,792 |
| Net loans and leases to deposits | 62.6318% | 4,819 |
| Net loans and leases to core deposits | 64.8542% | 5,027 |
| Total domestic deposits to total assets | 85.5455% | 3,768 |
| Equity capital to assets | 13.8051% | 1,086 |
| Core capital (leverage) ratio | 13.5895% | 911 |
| Tier 1 risk-based capital ratio | 21.0400% | 1,488 |
| Total risk-based capital ratio | 22.3167% | 1,449 |
| Memoranda: | ||
| Average total assets | $43,051,500 | 6,559 |
| Average earning assets | $39,082,500 | 6,558 |
| Average equity | $6,049,500 | 6,134 |
| Average total loans | $25,527,000 | 6,334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 3,960 |
| Cost of funding earning assets | 0.9178% | 3,977 |
| Net interest margin | 3.8470% | 3,584 |
| Noninterest income to average assets | 0.9325% | 1,560 |
| Noninterest expense to average assets | 2.9688% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1585% | 1,644 |
| Return on assets (ROA) | 1.1585% | 1,754 |
| Pretax return on assets | 1.5034% | 1,458 |
| Return on Equity (ROE) | 8.4481% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.5808% | 1,237 |
| Net charge-offs to loans | 0.7969% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.2245% | 3,604 |
| Efficiency ratio | 66.3830% | 4,688 |
| Assets per employee ($millions) | 3.7961% | 4,322 |
| Cash dividends to net income (ytd only)* | 10.2669% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1864% | 1,824 |
| Loan loss allowance to noncurrent loans | 241.3223% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 5,195 |
| Noncurrent loans to loans | 0.9060% | 4,872 |
| Net loans and leases to total assets | 62.5668% | 3,493 |
| Net loans and leases to deposits | 73.6462% | 3,557 |
| Net loans and leases to core deposits | 76.4007% | 3,924 |
| Total domestic deposits to total assets | 84.9558% | 3,878 |
| Equity capital to assets | 14.3138% | 963 |
| Core capital (leverage) ratio | 13.4349% | 990 |
| Tier 1 risk-based capital ratio | 19.1030% | 1,871 |
| Total risk-based capital ratio | 20.3605% | 1,831 |
| Memoranda: | ||
| Average total assets | $42,037,800 | 6,598 |
| Average earning assets | $38,679,800 | 6,575 |
| Average equity | $5,764,600 | 6,215 |
| Average total loans | $24,596,200 | 6,441 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 4,445 |
| Cost of funding earning assets | 0.9880% | 3,766 |
| Net interest margin | 3.7153% | 4,266 |
| Noninterest income to average assets | 0.9214% | 1,573 |
| Noninterest expense to average assets | 2.3526% | 5,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4914% | 955 |
| Return on assets (ROA) | 1.4914% | 1,040 |
| Pretax return on assets | 1.9980% | 626 |
| Return on Equity (ROE) | 10.9950% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.9950% | 633 |
| Net charge-offs to loans | 0.2659% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.1455% | 1,640 |
| Efficiency ratio | 54.0757% | 6,476 |
| Assets per employee ($millions) | 3.8514% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7954% | 1,036 |
| Loan loss allowance to noncurrent loans | 181.1881% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 4,839 |
| Noncurrent loans to loans | 1.5428% | 3,967 |
| Net loans and leases to total assets | 60.0826% | 4,114 |
| Net loans and leases to deposits | 71.7701% | 4,020 |
| Net loans and leases to core deposits | 74.4508% | 4,389 |
| Total domestic deposits to total assets | 83.7153% | 4,367 |
| Equity capital to assets | 14.0989% | 1,124 |
| Core capital (leverage) ratio | 13.7668% | 967 |
| Tier 1 risk-based capital ratio | 19.8001% | 1,735 |
| Total risk-based capital ratio | 21.0648% | 1,703 |
| Memoranda: | ||
| Average total assets | $42,108,000 | 6,654 |
| Average earning assets | $38,865,250 | 6,634 |
| Average equity | $5,711,500 | 6,274 |
| Average total loans | $24,067,750 | 6,528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 4,936 |
| Cost of funding earning assets | 1.0884% | 3,328 |
| Net interest margin | 3.5179% | 5,079 |
| Noninterest income to average assets | 0.9090% | 1,619 |
| Noninterest expense to average assets | 2.3416% | 6,026 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3850% | 1,114 |
| Return on assets (ROA) | 1.3850% | 1,184 |
| Pretax return on assets | 1.8133% | 855 |
| Return on Equity (ROE) | 10.3479% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.3479% | 777 |
| Net charge-offs to loans | 0.3339% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.7692% | 1,878 |
| Efficiency ratio | 56.3574% | 6,384 |
| Assets per employee ($millions) | 3.8458% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1301% | 804 |
| Loan loss allowance to noncurrent loans | 210.5114% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 5,216 |
| Noncurrent loans to loans | 1.4869% | 4,196 |
| Net loans and leases to total assets | 54.2076% | 5,266 |
| Net loans and leases to deposits | 64.0094% | 5,271 |
| Net loans and leases to core deposits | 66.8552% | 5,404 |
| Total domestic deposits to total assets | 84.6870% | 4,025 |
| Equity capital to assets | 13.6536% | 1,225 |
| Core capital (leverage) ratio | 13.0744% | 1,122 |
| Tier 1 risk-based capital ratio | 20.7139% | 1,477 |
| Total risk-based capital ratio | 21.9832% | 1,446 |
| Memoranda: | ||
| Average total assets | $42,022,330 | 6,720 |
| Average earning assets | $38,773,670 | 6,692 |
| Average equity | $5,624,330 | 6,339 |
| Average total loans | $23,361,670 | 6,618 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 5,227 |
| Cost of funding earning assets | 1.0975% | 3,542 |
| Net interest margin | 3.4374% | 5,278 |
| Noninterest income to average assets | 0.7354% | 2,356 |
| Noninterest expense to average assets | 2.2826% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2129% | 1,493 |
| Return on assets (ROA) | 1.2129% | 1,548 |
| Pretax return on assets | 1.6236% | 1,136 |
| Return on Equity (ROE) | 9.1556% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.1556% | 1,330 |
| Net charge-offs to loans | 0.7412% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.9535% | 2,599 |
| Efficiency ratio | 58.4352% | 6,214 |
| Assets per employee ($millions) | 3.9254% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3246% | 699 |
| Loan loss allowance to noncurrent loans | 338.0734% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 5,965 |
| Noncurrent loans to loans | 0.9834% | 5,074 |
| Net loans and leases to total assets | 49.6329% | 5,893 |
| Net loans and leases to deposits | 58.2174% | 5,904 |
| Net loans and leases to core deposits | 60.2858% | 6,075 |
| Total domestic deposits to total assets | 85.2544% | 3,918 |
| Equity capital to assets | 13.0689% | 1,354 |
| Core capital (leverage) ratio | 12.7436% | 1,218 |
| Tier 1 risk-based capital ratio | 21.4376% | 1,317 |
| Total risk-based capital ratio | 22.6998% | 1,294 |
| Memoranda: | ||
| Average total assets | $41,881,500 | 6,766 |
| Average earning assets | $38,634,000 | 6,732 |
| Average equity | $5,548,500 | 6,380 |
| Average total loans | $23,206,000 | 6,685 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 4,161 |
| Cost of funding earning assets | 1.2413% | 4,273 |
| Net interest margin | 3.8441% | 3,761 |
| Noninterest income to average assets | 0.8146% | 2,207 |
| Noninterest expense to average assets | 2.9579% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1077% | 1,685 |
| Return on assets (ROA) | 1.1077% | 1,758 |
| Pretax return on assets | 1.4330% | 1,556 |
| Return on Equity (ROE) | 8.2346% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,200 |
| Net charge-offs to loans | 0.2716% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 9.0156% | 1,891 |
| Efficiency ratio | 67.3643% | 4,691 |
| Assets per employee ($millions) | 3.6895% | 4,489 |
| Cash dividends to net income (ytd only)* | 11.2108% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2173% | 724 |
| Loan loss allowance to noncurrent loans | 352.9412% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 5,940 |
| Noncurrent loans to loans | 0.9116% | 5,231 |
| Net loans and leases to total assets | 57.8159% | 5,052 |
| Net loans and leases to deposits | 68.3364% | 5,057 |
| Net loans and leases to core deposits | 70.9032% | 5,344 |
| Total domestic deposits to total assets | 84.6048% | 4,055 |
| Equity capital to assets | 13.4388% | 1,197 |
| Core capital (leverage) ratio | 13.4603% | 979 |
| Tier 1 risk-based capital ratio | 19.2777% | 1,645 |
| Total risk-based capital ratio | 20.5461% | 1,610 |
| Memoranda: | ||
| Average total assets | $40,264,400 | 6,860 |
| Average earning assets | $37,460,000 | 6,822 |
| Average equity | $5,416,200 | 6,535 |
| Average total loans | $23,561,400 | 6,749 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 4,121 |
| Cost of funding earning assets | 1.2567% | 4,524 |
| Net interest margin | 3.8840% | 3,592 |
| Noninterest income to average assets | 0.8229% | 2,116 |
| Noninterest expense to average assets | 2.2894% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5827% | 769 |
| Return on assets (ROA) | 1.5827% | 840 |
| Pretax return on assets | 2.1533% | 452 |
| Return on Equity (ROE) | 11.7627% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.7627% | 485 |
| Net charge-offs to loans | -0.0456% | 7,459 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5310% | 7,026 |
| Assets per employee ($millions) | 3.6988% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5055% | 536 |
| Loan loss allowance to noncurrent loans | 262.9630% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 5,503 |
| Noncurrent loans to loans | 1.3331% | 4,632 |
| Net loans and leases to total assets | 57.6425% | 5,310 |
| Net loans and leases to deposits | 68.6804% | 5,326 |
| Net loans and leases to core deposits | 71.2684% | 5,607 |
| Total domestic deposits to total assets | 83.9285% | 4,168 |
| Equity capital to assets | 13.9553% | 1,177 |
| Core capital (leverage) ratio | 13.1025% | 1,188 |
| Tier 1 risk-based capital ratio | 20.6773% | 1,414 |
| Total risk-based capital ratio | 21.9515% | 1,390 |
| Memoranda: | ||
| Average total assets | $40,184,500 | 6,941 |
| Average earning assets | $37,452,000 | 6,895 |
| Average equity | $5,406,750 | 6,621 |
| Average total loans | $23,390,750 | 6,845 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,482 |
| Cost of funding earning assets | 1.2672% | 4,728 |
| Net interest margin | 3.8283% | 3,773 |
| Noninterest income to average assets | 0.7597% | 2,331 |
| Noninterest expense to average assets | 2.2790% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5893% | 739 |
| Return on assets (ROA) | 1.5893% | 793 |
| Pretax return on assets | 2.0741% | 516 |
| Return on Equity (ROE) | 11.9631% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.9631% | 500 |
| Net charge-offs to loans | -0.0520% | 7,453 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3536% | 7,034 |
| Assets per employee ($millions) | 3.7516% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6640% | 485 |
| Loan loss allowance to noncurrent loans | 309.0909% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,817 |
| Noncurrent loans to loans | 1.1854% | 4,979 |
| Net loans and leases to total assets | 54.1558% | 5,971 |
| Net loans and leases to deposits | 63.9054% | 6,049 |
| Net loans and leases to core deposits | 66.2507% | 6,223 |
| Total domestic deposits to total assets | 84.7436% | 3,753 |
| Equity capital to assets | 13.3348% | 1,422 |
| Core capital (leverage) ratio | 12.9234% | 1,236 |
| Tier 1 risk-based capital ratio | 20.1983% | 1,483 |
| Total risk-based capital ratio | 21.4733% | 1,446 |
| Memoranda: | ||
| Average total assets | $40,017,000 | 6,998 |
| Average earning assets | $37,562,330 | 6,947 |
| Average equity | $5,316,330 | 6,682 |
| Average total loans | $23,086,000 | 6,907 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 3,372 |
| Cost of funding earning assets | 1.3200% | 4,692 |
| Net interest margin | 4.0142% | 2,814 |
| Noninterest income to average assets | 0.7311% | 2,401 |
| Noninterest expense to average assets | 2.2441% | 6,567 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5943% | 764 |
| Return on assets (ROA) | 1.5943% | 814 |
| Pretax return on assets | 2.2543% | 385 |
| Return on Equity (ROE) | 12.0237% | 1,498 |
| Retained earnings to average equity (ytd only) | 12.0237% | 746 |
| Net charge-offs to loans | -0.1390% | 7,588 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8871% | 7,323 |
| Assets per employee ($millions) | 3.6319% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6950% | 469 |
| Loan loss allowance to noncurrent loans | 326.4368% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,885 |
| Noncurrent loans to loans | 1.1319% | 5,098 |
| Net loans and leases to total assets | 55.5831% | 5,806 |
| Net loans and leases to deposits | 65.5354% | 5,873 |
| Net loans and leases to core deposits | 67.4770% | 6,153 |
| Total domestic deposits to total assets | 84.8139% | 3,754 |
| Equity capital to assets | 13.2562% | 1,414 |
| Core capital (leverage) ratio | 12.7925% | 1,297 |
| Tier 1 risk-based capital ratio | 21.1875% | 1,311 |
| Total risk-based capital ratio | 22.4668% | 1,285 |
| Memoranda: | ||
| Average total assets | $39,391,500 | 7,106 |
| Average earning assets | $36,969,000 | 7,057 |
| Average equity | $5,223,000 | 6,774 |
| Average total loans | $23,029,500 | 6,988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6179% | 3,507 |
| Cost of funding earning assets | 1.6435% | 4,830 |
| Net interest margin | 3.9744% | 2,970 |
| Noninterest income to average assets | 0.8364% | 2,244 |
| Noninterest expense to average assets | 3.1660% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0955% | 1,524 |
| Return on assets (ROA) | 1.0955% | 1,566 |
| Pretax return on assets | 1.3932% | 1,453 |
| Return on Equity (ROE) | 8.7040% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.6848% | 780 |
| Net charge-offs to loans | 0.0356% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 67.8750% | 399 |
| Efficiency ratio | 69.4429% | 4,739 |
| Assets per employee ($millions) | 3.5302% | 4,943 |
| Cash dividends to net income (ytd only)* | 11.7096% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6694% | 461 |
| Loan loss allowance to noncurrent loans | 318.4906% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 5,745 |
| Noncurrent loans to loans | 1.1521% | 5,030 |
| Net loans and leases to total assets | 57.0586% | 5,808 |
| Net loans and leases to deposits | 67.5457% | 5,885 |
| Net loans and leases to core deposits | 76.8460% | 6,347 |
| Total domestic deposits to total assets | 84.4741% | 3,806 |
| Equity capital to assets | 13.2623% | 1,408 |
| Core capital (leverage) ratio | 12.5305% | 1,439 |
| Tier 1 risk-based capital ratio | 19.2768% | 1,596 |
| Total risk-based capital ratio | 20.5493% | 1,555 |
| Memoranda: | ||
| Average total assets | $38,976,200 | 7,135 |
| Average earning assets | $36,508,400 | 7,075 |
| Average equity | $4,905,800 | 6,979 |
| Average total loans | $22,447,200 | 7,066 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5876% | 3,936 |
| Cost of funding earning assets | 1.6971% | 4,916 |
| Net interest margin | 3.8905% | 3,265 |
| Noninterest income to average assets | 0.8578% | 2,166 |
| Noninterest expense to average assets | 2.6111% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4422% | 937 |
| Return on assets (ROA) | 1.4422% | 994 |
| Pretax return on assets | 1.8899% | 674 |
| Return on Equity (ROE) | 11.6136% | 1,464 |
| Retained earnings to average equity (ytd only) | 11.6136% | 391 |
| Net charge-offs to loans | -0.2271% | 7,979 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0106% | 6,714 |
| Assets per employee ($millions) | 3.5495% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9955% | 302 |
| Loan loss allowance to noncurrent loans | 780.7018% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 6,758 |
| Noncurrent loans to loans | 0.5118% | 6,283 |
| Net loans and leases to total assets | 54.7715% | 6,300 |
| Net loans and leases to deposits | 65.6888% | 6,338 |
| Net loans and leases to core deposits | 75.1010% | 6,661 |
| Total domestic deposits to total assets | 83.3803% | 4,026 |
| Equity capital to assets | 13.1185% | 1,651 |
| Core capital (leverage) ratio | 12.6738% | 1,510 |
| Tier 1 risk-based capital ratio | 20.3144% | 1,496 |
| Total risk-based capital ratio | 21.5359% | 1,458 |
| Memoranda: | ||
| Average total assets | $39,012,250 | 7,198 |
| Average earning assets | $36,532,250 | 7,135 |
| Average equity | $4,844,750 | 7,062 |
| Average total loans | $22,308,750 | 7,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 4,133 |
| Cost of funding earning assets | 1.7566% | 4,966 |
| Net interest margin | 3.8317% | 3,407 |
| Noninterest income to average assets | 0.7692% | 2,592 |
| Noninterest expense to average assets | 2.5896% | 5,780 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3076% | 1,213 |
| Return on assets (ROA) | 1.3076% | 1,289 |
| Pretax return on assets | 1.7589% | 915 |
| Return on Equity (ROE) | 10.7316% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.7316% | 604 |
| Net charge-offs to loans | -0.4122% | 8,091 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5519% | 6,615 |
| Assets per employee ($millions) | 3.5271% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1927% | 221 |
| Loan loss allowance to noncurrent loans | 831.4815% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 6,778 |
| Noncurrent loans to loans | 0.5042% | 6,266 |
| Net loans and leases to total assets | 52.8893% | 6,579 |
| Net loans and leases to deposits | 62.0314% | 6,727 |
| Net loans and leases to core deposits | 70.7342% | 6,986 |
| Total domestic deposits to total assets | 85.2621% | 3,131 |
| Equity capital to assets | 12.7610% | 1,808 |
| Core capital (leverage) ratio | 12.2563% | 1,715 |
| Tier 1 risk-based capital ratio | 20.1696% | 1,544 |
| Total risk-based capital ratio | 21.4498% | 1,495 |
| Memoranda: | ||
| Average total assets | $39,001,670 | 7,259 |
| Average earning assets | $36,433,000 | 7,204 |
| Average equity | $4,752,330 | 7,151 |
| Average total loans | $22,320,000 | 7,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5327% | 4,740 |
| Cost of funding earning assets | 1.7749% | 5,241 |
| Net interest margin | 3.7579% | 3,623 |
| Noninterest income to average assets | 0.7058% | 2,853 |
| Noninterest expense to average assets | 2.4653% | 5,977 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3093% | 1,354 |
| Return on assets (ROA) | 1.3093% | 1,455 |
| Pretax return on assets | 1.7492% | 1,082 |
| Return on Equity (ROE) | 11.0037% | 1,961 |
| Retained earnings to average equity (ytd only) | 11.0037% | 969 |
| Net charge-offs to loans | -0.0176% | 7,403 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4951% | 6,625 |
| Assets per employee ($millions) | 3.6032% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8251% | 252 |
| Loan loss allowance to noncurrent loans | 10,662.5000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 7,570 |
| Noncurrent loans to loans | 0.0359% | 7,447 |
| Net loans and leases to total assets | 54.1113% | 6,452 |
| Net loans and leases to deposits | 62.7858% | 6,667 |
| Net loans and leases to core deposits | 70.6400% | 6,986 |
| Total domestic deposits to total assets | 86.1839% | 2,622 |
| Equity capital to assets | 12.0272% | 2,241 |
| Core capital (leverage) ratio | 11.9049% | 1,939 |
| Tier 1 risk-based capital ratio | 18.3647% | 1,968 |
| Total risk-based capital ratio | 19.6223% | 1,924 |
| Memoranda: | ||
| Average total assets | $39,103,500 | 7,291 |
| Average earning assets | $36,510,000 | 7,246 |
| Average equity | $4,653,000 | 7,237 |
| Average total loans | $22,771,000 | 7,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9021% | 6,024 |
| Cost of funding earning assets | 2.5204% | 4,091 |
| Net interest margin | 3.3818% | 5,733 |
| Noninterest income to average assets | 0.9009% | 1,952 |
| Noninterest expense to average assets | 2.7696% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0725% | 2,243 |
| Return on assets (ROA) | 1.0725% | 2,165 |
| Pretax return on assets | 1.2575% | 2,453 |
| Return on Equity (ROE) | 9.1529% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.0088% | 844 |
| Net charge-offs to loans | 0.1286% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,819 |
| Efficiency ratio | 68.7750% | 4,584 |
| Assets per employee ($millions) | 3.5065% | 4,638 |
| Cash dividends to net income (ytd only)* | 12.5000% | 4,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6658% | 244 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 7,545 |
| Noncurrent loans to loans | 0.0258% | 7,411 |
| Net loans and leases to total assets | 58.0473% | 6,192 |
| Net loans and leases to deposits | 67.4215% | 6,512 |
| Net loans and leases to core deposits | 74.5067% | 6,936 |
| Total domestic deposits to total assets | 86.0961% | 2,359 |
| Equity capital to assets | 11.7676% | 2,457 |
| Core capital (leverage) ratio | 11.6970% | 2,128 |
| Tier 1 risk-based capital ratio | 18.8991% | 1,835 |
| Total risk-based capital ratio | 20.1797% | 1,781 |
| Memoranda: | ||
| Average total assets | $37,297,600 | 7,336 |
| Average earning assets | $34,479,000 | 7,306 |
| Average equity | $4,370,200 | 7,368 |
| Average total loans | $21,767,800 | 7,208 |