Home > Community Bank of Trenton > Performance and Condition Ratios
Community Bank of Trenton, 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 | 4.7060% | 2,670 |
| Cost of funding earning assets | 1.6243% | 1,626 |
| Net interest margin | 3.0817% | 3,133 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.6299% | 1,922 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6676% | 3,274 |
| Return on assets (ROA) | 0.6676% | 3,259 |
| Pretax return on assets | 0.6676% | 3,503 |
| Return on Equity (ROE) | 7.8800% | 3,059 |
| Retained earnings to average equity (ytd only) | 2.7106% | 3,373 |
| Net charge-offs to loans | 0.0289% | 1,722 |
| Credit loss provision to net charge-offs | 276.0000% | 1,011 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,548 |
| Efficiency ratio | 78.3702% | 1,038 |
| Assets per employee ($millions) | 6.4672% | 2,438 |
| Cash dividends to net income (ytd only)* | 65.6131% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,255 |
| Loan loss allowance to noncurrent loans | 79.7568% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 400 |
| Noncurrent loans to loans | 1.5142% | 452 |
| Net loans and leases to total assets | 74.2300% | 1,322 |
| Net loans and leases to deposits | 84.7574% | 1,705 |
| Net loans and leases to core deposits | 90.8747% | 1,992 |
| Total domestic deposits to total assets | 87.5800% | 1,493 |
| Equity capital to assets | 8.4825% | 3,069 |
| Core capital (leverage) ratio | 9.7088% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6924% | 1,988 |
| Memoranda: | ||
| Average total assets | $118,482,400 | 3,667 |
| Average earning assets | $109,646,600 | 3,654 |
| Average equity | $10,034,800 | 3,715 |
| Average total loans | $86,628,000 | 3,337 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 2,710 |
| Cost of funding earning assets | 1.5080% | 1,580 |
| Net interest margin | 3.0786% | 3,178 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.6034% | 1,935 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7054% | 3,316 |
| Return on assets (ROA) | 0.7054% | 3,292 |
| Pretax return on assets | 0.7054% | 3,538 |
| Return on Equity (ROE) | 8.3300% | 3,104 |
| Retained earnings to average equity (ytd only) | 2.7236% | 3,579 |
| Net charge-offs to loans | 0.0423% | 1,281 |
| Credit loss provision to net charge-offs | 207.4074% | 1,097 |
| Earnings coverage of net charge-offs (x) | 25.0741% | 1,694 |
| Efficiency ratio | 77.1977% | 1,075 |
| Assets per employee ($millions) | 6.7691% | 2,129 |
| Cash dividends to net income (ytd only)* | 67.3108% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,209 |
| Loan loss allowance to noncurrent loans | 76.7247% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 385 |
| Noncurrent loans to loans | 1.6047% | 432 |
| Net loans and leases to total assets | 72.4900% | 1,515 |
| Net loans and leases to deposits | 83.0002% | 1,825 |
| Net loans and leases to core deposits | 88.2930% | 2,034 |
| Total domestic deposits to total assets | 87.3400% | 1,784 |
| Equity capital to assets | 8.0300% | 3,037 |
| Core capital (leverage) ratio | 9.7195% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6750% | 2,017 |
| Memoranda: | ||
| Average total assets | $117,382,250 | 3,685 |
| Average earning assets | $108,573,500 | 3,670 |
| Average equity | $9,937,750 | 3,731 |
| Average total loans | $85,203,750 | 3,357 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 2,804 |
| Cost of funding earning assets | 1.3461% | 1,595 |
| Net interest margin | 3.0891% | 3,249 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.6386% | 1,828 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6799% | 3,386 |
| Return on assets (ROA) | 0.6799% | 3,388 |
| Pretax return on assets | 0.6799% | 3,641 |
| Return on Equity (ROE) | 7.8900% | 3,265 |
| Retained earnings to average equity (ytd only) | 2.2425% | 3,660 |
| Net charge-offs to loans | -0.0215% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.8513% | 1,008 |
| Assets per employee ($millions) | 5.7840% | 2,900 |
| Cash dividends to net income (ytd only)* | 71.5736% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 1,956 |
| Loan loss allowance to noncurrent loans | 69.7401% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 288 |
| Noncurrent loans to loans | 1.8537% | 320 |
| Net loans and leases to total assets | 70.8400% | 1,656 |
| Net loans and leases to deposits | 82.0147% | 1,824 |
| Net loans and leases to core deposits | 86.0533% | 2,067 |
| Total domestic deposits to total assets | 86.3800% | 2,122 |
| Equity capital to assets | 8.2180% | 3,076 |
| Core capital (leverage) ratio | 9.9282% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6266% | 2,050 |
| Memoranda: | ||
| Average total assets | $115,895,333 | 3,716 |
| Average earning assets | $106,827,000 | 3,704 |
| Average equity | $9,989,000 | 3,745 |
| Average total loans | $83,797,000 | 3,373 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,803 |
| Cost of funding earning assets | 1.1672% | 1,544 |
| Net interest margin | 3.1330% | 3,280 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.6735% | 1,741 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6967% | 3,477 |
| Return on assets (ROA) | 0.6967% | 3,424 |
| Pretax return on assets | 0.6967% | 3,669 |
| Return on Equity (ROE) | 7.8900% | 3,315 |
| Retained earnings to average equity (ytd only) | 1.5612% | 3,773 |
| Net charge-offs to loans | -0.0097% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.2217% | 1,072 |
| Assets per employee ($millions) | 5.8991% | 2,847 |
| Cash dividends to net income (ytd only)* | 80.2030% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 1,963 |
| Loan loss allowance to noncurrent loans | 67.9779% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 252 |
| Noncurrent loans to loans | 1.9369% | 299 |
| Net loans and leases to total assets | 70.2600% | 1,597 |
| Net loans and leases to deposits | 82.2149% | 1,640 |
| Net loans and leases to core deposits | 85.2670% | 1,911 |
| Total domestic deposits to total assets | 85.4600% | 2,735 |
| Equity capital to assets | 8.5870% | 2,819 |
| Core capital (leverage) ratio | 10.3432% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2865% | 1,868 |
| Memoranda: | ||
| Average total assets | $113,110,500 | 3,789 |
| Average earning assets | $104,180,000 | 3,784 |
| Average equity | $9,992,500 | 3,787 |
| Average total loans | $82,107,500 | 3,428 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 1,980 |
| Cost of funding earning assets | 0.5065% | 1,340 |
| Net interest margin | 3.3944% | 2,276 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.5681% | 1,911 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2146% | 1,716 |
| Return on assets (ROA) | 1.2146% | 1,663 |
| Pretax return on assets | 1.2146% | 2,389 |
| Return on Equity (ROE) | 12.2300% | 2,064 |
| Retained earnings to average equity (ytd only) | 5.2705% | 2,939 |
| Net charge-offs to loans | -0.0378% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.8535% | 2,103 |
| Assets per employee ($millions) | 5.4120% | 3,303 |
| Cash dividends to net income (ytd only)* | 56.8896% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 1,710 |
| Loan loss allowance to noncurrent loans | 74.2936% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 264 |
| Noncurrent loans to loans | 1.8089% | 328 |
| Net loans and leases to total assets | 73.1100% | 1,300 |
| Net loans and leases to deposits | 84.7700% | 1,404 |
| Net loans and leases to core deposits | 87.4229% | 1,657 |
| Total domestic deposits to total assets | 86.2500% | 2,660 |
| Equity capital to assets | 9.1038% | 2,296 |
| Core capital (leverage) ratio | 11.1912% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8916% | 1,661 |
| Memoranda: | ||
| Average total assets | $102,175,800 | 3,907 |
| Average earning assets | $95,156,400 | 3,885 |
| Average equity | $10,150,800 | 3,853 |
| Average total loans | $71,368,400 | 3,559 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 1,729 |
| Cost of funding earning assets | 0.4536% | 963 |
| Net interest margin | 3.3568% | 2,116 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.5458% | 1,879 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2583% | 1,499 |
| Return on assets (ROA) | 1.2583% | 1,466 |
| Pretax return on assets | 1.2583% | 2,181 |
| Return on Equity (ROE) | 12.3900% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.3854% | 2,959 |
| Net charge-offs to loans | -0.0424% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.8896% | 2,291 |
| Assets per employee ($millions) | 5.2777% | 3,440 |
| Cash dividends to net income (ytd only)* | 56.5263% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,341 |
| Loan loss allowance to noncurrent loans | 131.1414% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 626 |
| Noncurrent loans to loans | 1.1305% | 654 |
| Net loans and leases to total assets | 70.0400% | 1,474 |
| Net loans and leases to deposits | 80.7338% | 1,540 |
| Net loans and leases to core deposits | 82.1157% | 1,755 |
| Total domestic deposits to total assets | 86.7600% | 2,835 |
| Equity capital to assets | 9.5417% | 1,854 |
| Core capital (leverage) ratio | 11.1381% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4075% | 1,899 |
| Memoranda: | ||
| Average total assets | $100,659,750 | 3,947 |
| Average earning assets | $94,056,000 | 3,924 |
| Average equity | $10,225,000 | 3,888 |
| Average total loans | $69,156,750 | 3,605 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 1,821 |
| Cost of funding earning assets | 0.4566% | 671 |
| Net interest margin | 3.1518% | 2,357 |
| Noninterest income to average assets | 0.7838% | 1,088 |
| Noninterest expense to average assets | 2.4368% | 2,122 |
| Loan and lease loss provision to assets | 0.0595% | 1,526 |
| Net operating income to assets | 1.2462% | 1,291 |
| Return on assets (ROA) | 1.2462% | 1,272 |
| Pretax return on assets | 1.2462% | 1,909 |
| Return on Equity (ROE) | 12.0260% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.4343% | 2,196 |
| Net charge-offs to loans | -0.0438% | 4,188 |
| Credit loss provision to net charge-offs | -200.0000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1113% | 2,629 |
| Assets per employee ($millions) | 5.7819% | 2,944 |
| Cash dividends to net income (ytd only)* | 46.4968% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,296 |
| Loan loss allowance to noncurrent loans | 110.8021% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 559 |
| Noncurrent loans to loans | 1.3926% | 543 |
| Net loans and leases to total assets | 63.5154% | 1,965 |
| Net loans and leases to deposits | 73.9887% | 1,872 |
| Net loans and leases to core deposits | 76.0845% | 2,007 |
| Total domestic deposits to total assets | 85.8447% | 3,285 |
| Equity capital to assets | 9.5874% | 1,950 |
| Core capital (leverage) ratio | 11.1519% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6396% | 1,818 |
| Memoranda: | ||
| Average total assets | $100,787,667 | 3,980 |
| Average earning assets | $94,611,667 | 3,964 |
| Average equity | $10,444,000 | 3,939 |
| Average total loans | $68,444,667 | 3,645 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 1,717 |
| Cost of funding earning assets | 0.4557% | 631 |
| Net interest margin | 3.0710% | 2,262 |
| Noninterest income to average assets | 0.8150% | 1,006 |
| Noninterest expense to average assets | 2.3521% | 2,332 |
| Loan and lease loss provision to assets | 0.0605% | 1,322 |
| Net operating income to assets | 1.3112% | 979 |
| Return on assets (ROA) | 1.3112% | 968 |
| Pretax return on assets | 1.3112% | 1,471 |
| Return on Equity (ROE) | 12.1757% | 1,260 |
| Retained earnings to average equity (ytd only) | 4.3458% | 2,822 |
| Net charge-offs to loans | -0.0463% | 4,233 |
| Credit loss provision to net charge-offs | -187.5000% | 2,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1636% | 3,121 |
| Assets per employee ($millions) | 5.6222% | 3,213 |
| Cash dividends to net income (ytd only)* | 64.3077% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 1,683 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 637 |
| Noncurrent loans to loans | 1.2351% | 714 |
| Net loans and leases to total assets | 67.6420% | 1,249 |
| Net loans and leases to deposits | 79.2042% | 1,202 |
| Net loans and leases to core deposits | 81.2817% | 1,398 |
| Total domestic deposits to total assets | 85.4020% | 3,435 |
| Equity capital to assets | 10.2531% | 1,722 |
| Core capital (leverage) ratio | 11.3545% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4066% | 2,035 |
| Memoranda: | ||
| Average total assets | $99,144,500 | 4,013 |
| Average earning assets | $93,912,000 | 3,984 |
| Average equity | $10,677,000 | 3,984 |
| Average total loans | $69,097,500 | 3,636 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 1,384 |
| Cost of funding earning assets | 0.5959% | 558 |
| Net interest margin | 3.3920% | 2,054 |
| Noninterest income to average assets | 0.9759% | 1,050 |
| Noninterest expense to average assets | 2.5456% | 2,041 |
| Loan and lease loss provision to assets | 0.0608% | 1,845 |
| Net operating income to assets | 1.5707% | 875 |
| Return on assets (ROA) | 1.5707% | 904 |
| Pretax return on assets | 1.5707% | 1,503 |
| Return on Equity (ROE) | 14.2899% | 1,109 |
| Retained earnings to average equity (ytd only) | 4.6558% | 2,944 |
| Net charge-offs to loans | 0.1759% | 552 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 13.4167% | 2,077 |
| Efficiency ratio | 60.9413% | 3,003 |
| Assets per employee ($millions) | 6.0681% | 2,697 |
| Cash dividends to net income (ytd only)* | 67.4194% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,767 |
| Loan loss allowance to noncurrent loans | 175.8437% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 1,139 |
| Noncurrent loans to loans | 0.8192% | 1,245 |
| Net loans and leases to total assets | 69.7683% | 1,070 |
| Net loans and leases to deposits | 83.3770% | 959 |
| Net loans and leases to core deposits | 85.6977% | 1,224 |
| Total domestic deposits to total assets | 83.6780% | 3,643 |
| Equity capital to assets | 11.3070% | 1,600 |
| Core capital (leverage) ratio | 11.3518% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9610% | 1,856 |
| Memoranda: | ||
| Average total assets | $98,681,200 | 4,005 |
| Average earning assets | $93,130,400 | 3,986 |
| Average equity | $10,846,800 | 4,053 |
| Average total loans | $68,211,600 | 3,679 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 1,486 |
| Cost of funding earning assets | 0.6300% | 539 |
| Net interest margin | 3.3929% | 2,176 |
| Noninterest income to average assets | 1.0806% | 945 |
| Noninterest expense to average assets | 2.5434% | 1,990 |
| Loan and lease loss provision to assets | 0.0606% | 1,782 |
| Net operating income to assets | 1.6727% | 880 |
| Return on assets (ROA) | 1.6727% | 921 |
| Pretax return on assets | 1.6727% | 1,484 |
| Return on Equity (ROE) | 15.3254% | 1,084 |
| Retained earnings to average equity (ytd only) | 6.0291% | 2,807 |
| Net charge-offs to loans | -0.0196% | 3,960 |
| Credit loss provision to net charge-offs | -450.0000% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4714% | 3,072 |
| Assets per employee ($millions) | 6.1504% | 2,547 |
| Cash dividends to net income (ytd only)* | 60.6597% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,448 |
| Loan loss allowance to noncurrent loans | 134.4282% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 837 |
| Noncurrent loans to loans | 1.1566% | 968 |
| Net loans and leases to total assets | 71.0986% | 973 |
| Net loans and leases to deposits | 84.8855% | 898 |
| Net loans and leases to core deposits | 86.9726% | 1,218 |
| Total domestic deposits to total assets | 83.7583% | 3,522 |
| Equity capital to assets | 11.2878% | 1,823 |
| Core capital (leverage) ratio | 11.2600% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8930% | 2,005 |
| Memoranda: | ||
| Average total assets | $99,079,000 | 4,046 |
| Average earning assets | $93,329,000 | 4,029 |
| Average equity | $10,814,000 | 4,109 |
| Average total loans | $68,082,500 | 3,745 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 2,175 |
| Cost of funding earning assets | 0.6817% | 503 |
| Net interest margin | 3.0785% | 3,093 |
| Noninterest income to average assets | 1.2225% | 779 |
| Noninterest expense to average assets | 2.5034% | 2,129 |
| Loan and lease loss provision to assets | 0.0604% | 1,826 |
| Net operating income to assets | 1.5689% | 1,122 |
| Return on assets (ROA) | 1.5689% | 1,180 |
| Pretax return on assets | 1.5689% | 1,824 |
| Return on Equity (ROE) | 14.5390% | 1,273 |
| Retained earnings to average equity (ytd only) | 6.6443% | 2,565 |
| Net charge-offs to loans | -0.0209% | 4,013 |
| Credit loss provision to net charge-offs | -428.5714% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5750% | 2,931 |
| Assets per employee ($millions) | 5.5683% | 3,043 |
| Cash dividends to net income (ytd only)* | 54.3004% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,429 |
| Loan loss allowance to noncurrent loans | 123.9453% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8750% | 889 |
| Noncurrent loans to loans | 1.2498% | 953 |
| Net loans and leases to total assets | 68.9262% | 1,335 |
| Net loans and leases to deposits | 82.0748% | 1,213 |
| Net loans and leases to core deposits | 84.3723% | 1,533 |
| Total domestic deposits to total assets | 83.9797% | 3,448 |
| Equity capital to assets | 10.8242% | 2,128 |
| Core capital (leverage) ratio | 10.8366% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9506% | 1,988 |
| Memoranda: | ||
| Average total assets | $99,303,000 | 4,073 |
| Average earning assets | $93,876,667 | 4,044 |
| Average equity | $10,716,000 | 4,133 |
| Average total loans | $67,086,333 | 3,776 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 2,133 |
| Cost of funding earning assets | 0.6952% | 558 |
| Net interest margin | 3.0939% | 3,007 |
| Noninterest income to average assets | 1.5095% | 591 |
| Noninterest expense to average assets | 2.3998% | 2,491 |
| Loan and lease loss provision to assets | 0.0607% | 1,907 |
| Net operating income to assets | 1.9668% | 595 |
| Return on assets (ROA) | 1.9668% | 644 |
| Pretax return on assets | 1.9668% | 1,003 |
| Return on Equity (ROE) | 18.2544% | 699 |
| Retained earnings to average equity (ytd only) | 7.0989% | 2,547 |
| Net charge-offs to loans | -0.0183% | 3,953 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2048% | 3,759 |
| Assets per employee ($millions) | 5.6980% | 2,912 |
| Cash dividends to net income (ytd only)* | 61.1111% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,241 |
| Loan loss allowance to noncurrent loans | 120.9513% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 1,025 |
| Noncurrent loans to loans | 1.3380% | 965 |
| Net loans and leases to total assets | 63.3039% | 2,131 |
| Net loans and leases to deposits | 75.3467% | 1,980 |
| Net loans and leases to core deposits | 77.1398% | 2,254 |
| Total domestic deposits to total assets | 84.0168% | 3,428 |
| Equity capital to assets | 10.3516% | 2,392 |
| Core capital (leverage) ratio | 11.0355% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3296% | 1,805 |
| Memoranda: | ||
| Average total assets | $98,840,000 | 4,088 |
| Average earning assets | $93,216,000 | 4,063 |
| Average equity | $10,649,500 | 4,154 |
| Average total loans | $65,544,000 | 3,820 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 2,557 |
| Cost of funding earning assets | 0.9044% | 842 |
| Net interest margin | 3.1526% | 3,486 |
| Noninterest income to average assets | 1.0839% | 910 |
| Noninterest expense to average assets | 2.5337% | 2,742 |
| Loan and lease loss provision to assets | 0.0108% | 4,226 |
| Net operating income to assets | 1.4822% | 853 |
| Return on assets (ROA) | 1.4822% | 923 |
| Pretax return on assets | 1.4822% | 1,402 |
| Return on Equity (ROE) | 13.2852% | 970 |
| Retained earnings to average equity (ytd only) | 5.2154% | 2,180 |
| Net charge-offs to loans | -0.3523% | 4,930 |
| Credit loss provision to net charge-offs | -4.3668% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9223% | 2,993 |
| Assets per employee ($millions) | 5.2842% | 3,066 |
| Cash dividends to net income (ytd only)* | 60.7429% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 1,259 |
| Loan loss allowance to noncurrent loans | 153.5088% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 1,444 |
| Noncurrent loans to loans | 1.0508% | 1,355 |
| Net loans and leases to total assets | 67.3315% | 1,914 |
| Net loans and leases to deposits | 81.0897% | 1,752 |
| Net loans and leases to core deposits | 83.8204% | 2,050 |
| Total domestic deposits to total assets | 83.0333% | 3,402 |
| Equity capital to assets | 11.2305% | 2,073 |
| Core capital (leverage) ratio | 10.8219% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8352% | 1,587 |
| Memoranda: | ||
| Average total assets | $92,632,600 | 4,089 |
| Average earning assets | $86,467,200 | 4,068 |
| Average equity | $10,334,800 | 4,165 |
| Average total loans | $65,002,200 | 3,831 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 2,542 |
| Cost of funding earning assets | 0.9441% | 919 |
| Net interest margin | 3.1988% | 3,498 |
| Noninterest income to average assets | 1.0810% | 890 |
| Noninterest expense to average assets | 2.4764% | 2,915 |
| Loan and lease loss provision to assets | 0.0141% | 4,142 |
| Net operating income to assets | 1.5751% | 771 |
| Return on assets (ROA) | 1.5751% | 844 |
| Pretax return on assets | 1.5751% | 1,258 |
| Return on Equity (ROE) | 14.1422% | 854 |
| Retained earnings to average equity (ytd only) | 6.5182% | 1,879 |
| Net charge-offs to loans | -0.4637% | 4,971 |
| Credit loss provision to net charge-offs | -4.4248% | 3,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9052% | 3,236 |
| Assets per employee ($millions) | 5.6944% | 2,545 |
| Cash dividends to net income (ytd only)* | 53.9098% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,144 |
| Loan loss allowance to noncurrent loans | 150.2152% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 1,507 |
| Noncurrent loans to loans | 1.0546% | 1,416 |
| Net loans and leases to total assets | 67.1904% | 2,364 |
| Net loans and leases to deposits | 85.3336% | 1,773 |
| Net loans and leases to core deposits | 87.4081% | 2,202 |
| Total domestic deposits to total assets | 78.7385% | 4,096 |
| Equity capital to assets | 10.9179% | 2,461 |
| Core capital (leverage) ratio | 10.7567% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9244% | 1,523 |
| Memoranda: | ||
| Average total assets | $92,011,750 | 4,098 |
| Average earning assets | $85,864,250 | 4,083 |
| Average equity | $10,248,000 | 4,186 |
| Average total loans | $64,979,500 | 3,849 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 2,731 |
| Cost of funding earning assets | 0.9879% | 1,025 |
| Net interest margin | 3.2226% | 3,601 |
| Noninterest income to average assets | 0.8472% | 1,297 |
| Noninterest expense to average assets | 2.5438% | 2,845 |
| Loan and lease loss provision to assets | 0.0221% | 3,969 |
| Net operating income to assets | 1.2830% | 1,408 |
| Return on assets (ROA) | 1.2830% | 1,521 |
| Pretax return on assets | 1.2830% | 2,093 |
| Return on Equity (ROE) | 11.4387% | 1,497 |
| Retained earnings to average equity (ytd only) | 4.9305% | 2,509 |
| Net charge-offs to loans | -0.7336% | 5,015 |
| Credit loss provision to net charge-offs | -4.2194% | 3,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0920% | 2,505 |
| Assets per employee ($millions) | 5.8192% | 2,352 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,079 |
| Loan loss allowance to noncurrent loans | 126.8585% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 1,472 |
| Noncurrent loans to loans | 1.2360% | 1,259 |
| Net loans and leases to total assets | 67.1371% | 2,482 |
| Net loans and leases to deposits | 84.9233% | 1,897 |
| Net loans and leases to core deposits | 87.2723% | 2,324 |
| Total domestic deposits to total assets | 79.0561% | 4,030 |
| Equity capital to assets | 10.4816% | 2,758 |
| Core capital (leverage) ratio | 10.9423% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,414,333 | 4,123 |
| Average earning assets | $84,218,333 | 4,106 |
| Average equity | $10,141,000 | 4,206 |
| Average total loans | $64,609,333 | 3,863 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 2,576 |
| Cost of funding earning assets | 1.0390% | 1,263 |
| Net interest margin | 3.3729% | 3,389 |
| Noninterest income to average assets | 0.5153% | 2,470 |
| Noninterest expense to average assets | 2.4467% | 3,439 |
| Loan and lease loss provision to assets | 0.0464% | 3,195 |
| Net operating income to assets | 1.1421% | 1,715 |
| Return on assets (ROA) | 1.1421% | 1,819 |
| Pretax return on assets | 1.1421% | 2,387 |
| Return on Equity (ROE) | 9.8135% | 1,802 |
| Retained earnings to average equity (ytd only) | 0.9175% | 3,766 |
| Net charge-offs to loans | -1.5892% | 5,069 |
| Credit loss provision to net charge-offs | -3.9841% | 3,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3052% | 2,770 |
| Assets per employee ($millions) | 5.4889% | 2,131 |
| Cash dividends to net income (ytd only)* | 90.6504% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 910 |
| Loan loss allowance to noncurrent loans | 107.9557% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 1,137 |
| Noncurrent loans to loans | 1.5522% | 1,013 |
| Net loans and leases to total assets | 71.6233% | 1,976 |
| Net loans and leases to deposits | 86.8379% | 1,895 |
| Net loans and leases to core deposits | 89.4522% | 2,400 |
| Total domestic deposits to total assets | 82.4793% | 3,268 |
| Equity capital to assets | 11.3981% | 2,525 |
| Core capital (leverage) ratio | 11.7649% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,158,500 | 4,181 |
| Average earning assets | $79,694,500 | 4,175 |
| Average equity | $10,027,000 | 4,240 |
| Average total loans | $63,177,000 | 3,904 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 3,169 |
| Cost of funding earning assets | 0.9975% | 1,732 |
| Net interest margin | 3.4299% | 3,648 |
| Noninterest income to average assets | 0.6971% | 1,832 |
| Noninterest expense to average assets | 2.5458% | 3,331 |
| Loan and lease loss provision to assets | 0.0717% | 2,564 |
| Net operating income to assets | 1.2663% | 1,818 |
| Return on assets (ROA) | 1.2663% | 1,901 |
| Pretax return on assets | 1.2663% | 2,625 |
| Return on Equity (ROE) | 10.6490% | 2,024 |
| Retained earnings to average equity (ytd only) | 0.1106% | 4,659 |
| Net charge-offs to loans | 0.2251% | 905 |
| Credit loss provision to net charge-offs | 43.7956% | 3,175 |
| Earnings coverage of net charge-offs (x) | 8.1679% | 2,800 |
| Efficiency ratio | 65.5480% | 2,836 |
| Assets per employee ($millions) | 5.2809% | 2,264 |
| Cash dividends to net income (ytd only)* | 98.9613% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 1,920 |
| Loan loss allowance to noncurrent loans | 94.8538% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 1,231 |
| Noncurrent loans to loans | 1.3706% | 1,086 |
| Net loans and leases to total assets | 72.8682% | 1,940 |
| Net loans and leases to deposits | 89.4770% | 1,652 |
| Net loans and leases to core deposits | 92.3130% | 2,205 |
| Total domestic deposits to total assets | 81.4380% | 3,668 |
| Equity capital to assets | 11.8871% | 2,209 |
| Core capital (leverage) ratio | 11.8571% | 1,864 |
| Tier 1 risk-based capital ratio | 15.9790% | 2,415 |
| Total risk-based capital ratio | 17.2280% | 2,362 |
| Memoranda: | ||
| Average total assets | $83,628,800 | 4,236 |
| Average earning assets | $77,698,000 | 4,219 |
| Average equity | $9,944,600 | 4,250 |
| Average total loans | $60,854,000 | 3,969 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 3,266 |
| Cost of funding earning assets | 0.9752% | 1,869 |
| Net interest margin | 3.4546% | 3,721 |
| Noninterest income to average assets | 0.6873% | 1,838 |
| Noninterest expense to average assets | 2.5000% | 3,436 |
| Loan and lease loss provision to assets | 0.0719% | 2,438 |
| Net operating income to assets | 1.3203% | 1,769 |
| Return on assets (ROA) | 1.3203% | 1,844 |
| Pretax return on assets | 1.3203% | 2,597 |
| Return on Equity (ROE) | 11.1022% | 1,980 |
| Retained earnings to average equity (ytd only) | -1.1291% | 4,872 |
| Net charge-offs to loans | -0.0265% | 4,662 |
| Credit loss provision to net charge-offs | -375.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2300% | 2,966 |
| Assets per employee ($millions) | 5.2834% | 2,244 |
| Cash dividends to net income (ytd only)* | 110.1688% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,180 |
| Loan loss allowance to noncurrent loans | 79.6624% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 830 |
| Noncurrent loans to loans | 1.9154% | 728 |
| Net loans and leases to total assets | 72.0680% | 2,168 |
| Net loans and leases to deposits | 88.9970% | 1,816 |
| Net loans and leases to core deposits | 91.8330% | 2,385 |
| Total domestic deposits to total assets | 80.9781% | 3,763 |
| Equity capital to assets | 11.7444% | 2,468 |
| Core capital (leverage) ratio | 11.9294% | 1,901 |
| Tier 1 risk-based capital ratio | 16.4919% | 2,270 |
| Total risk-based capital ratio | 17.7455% | 2,204 |
| Memoranda: | ||
| Average total assets | $83,412,250 | 4,287 |
| Average earning assets | $77,384,000 | 4,277 |
| Average equity | $9,919,750 | 4,292 |
| Average total loans | $60,472,250 | 4,020 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 3,584 |
| Cost of funding earning assets | 0.9263% | 2,026 |
| Net interest margin | 3.3938% | 3,912 |
| Noninterest income to average assets | 0.5275% | 2,530 |
| Noninterest expense to average assets | 2.5049% | 3,462 |
| Loan and lease loss provision to assets | 0.0723% | 2,370 |
| Net operating income to assets | 1.1007% | 2,520 |
| Return on assets (ROA) | 1.1007% | 2,588 |
| Pretax return on assets | 1.1007% | 3,232 |
| Return on Equity (ROE) | 9.2165% | 2,771 |
| Retained earnings to average equity (ytd only) | 0.4437% | 4,579 |
| Net charge-offs to loans | -0.0233% | 4,600 |
| Credit loss provision to net charge-offs | -428.5714% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1074% | 2,518 |
| Assets per employee ($millions) | 5.5216% | 1,945 |
| Cash dividends to net income (ytd only)* | 95.1860% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,169 |
| Loan loss allowance to noncurrent loans | 61.1772% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.8256% | 547 |
| Noncurrent loans to loans | 2.5118% | 475 |
| Net loans and leases to total assets | 71.5626% | 2,271 |
| Net loans and leases to deposits | 88.6057% | 1,924 |
| Net loans and leases to core deposits | 91.0615% | 2,503 |
| Total domestic deposits to total assets | 80.7652% | 3,878 |
| Equity capital to assets | 12.1100% | 2,110 |
| Core capital (leverage) ratio | 12.3410% | 1,615 |
| Tier 1 risk-based capital ratio | 17.2045% | 2,029 |
| Total risk-based capital ratio | 18.4575% | 1,976 |
| Memoranda: | ||
| Average total assets | $83,038,330 | 4,328 |
| Average earning assets | $77,080,670 | 4,308 |
| Average equity | $9,917,000 | 4,311 |
| Average total loans | $60,007,670 | 4,051 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 3,656 |
| Cost of funding earning assets | 0.8907% | 2,051 |
| Net interest margin | 3.3764% | 3,956 |
| Noninterest income to average assets | 0.4522% | 2,842 |
| Noninterest expense to average assets | 2.3910% | 3,788 |
| Loan and lease loss provision to assets | 0.0722% | 2,224 |
| Net operating income to assets | 1.1257% | 2,365 |
| Return on assets (ROA) | 1.1257% | 2,415 |
| Pretax return on assets | 1.1257% | 3,065 |
| Return on Equity (ROE) | 9.4924% | 2,590 |
| Retained earnings to average equity (ytd only) | 3.2047% | 3,652 |
| Net charge-offs to loans | -0.0200% | 4,489 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6220% | 2,849 |
| Assets per employee ($millions) | 4.8748% | 2,671 |
| Cash dividends to net income (ytd only)* | 66.2393% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,381 |
| Loan loss allowance to noncurrent loans | 69.0840% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 733 |
| Noncurrent loans to loans | 2.1488% | 670 |
| Net loans and leases to total assets | 72.4708% | 2,081 |
| Net loans and leases to deposits | 88.7474% | 1,775 |
| Net loans and leases to core deposits | 90.3359% | 2,463 |
| Total domestic deposits to total assets | 81.6597% | 3,812 |
| Equity capital to assets | 12.0185% | 2,010 |
| Core capital (leverage) ratio | 12.2829% | 1,615 |
| Tier 1 risk-based capital ratio | 17.1851% | 2,049 |
| Total risk-based capital ratio | 18.4381% | 1,996 |
| Memoranda: | ||
| Average total assets | $83,145,500 | 4,363 |
| Average earning assets | $77,241,500 | 4,350 |
| Average equity | $9,860,500 | 4,348 |
| Average total loans | $59,913,500 | 4,086 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,716 |
| Cost of funding earning assets | 0.8306% | 1,386 |
| Net interest margin | 3.2778% | 4,316 |
| Noninterest income to average assets | 0.4664% | 3,017 |
| Noninterest expense to average assets | 2.4408% | 3,768 |
| Loan and lease loss provision to assets | 0.1587% | 1,299 |
| Net operating income to assets | 0.9121% | 3,398 |
| Return on assets (ROA) | 0.9121% | 3,385 |
| Pretax return on assets | 0.9121% | 3,864 |
| Return on Equity (ROE) | 7.7696% | 3,541 |
| Retained earnings to average equity (ytd only) | 3.1931% | 3,801 |
| Net charge-offs to loans | 0.0667% | 2,162 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 22.4872% | 1,898 |
| Efficiency ratio | 69.5063% | 2,284 |
| Assets per employee ($millions) | 4.9070% | 2,613 |
| Cash dividends to net income (ytd only)* | 58.9023% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,269 |
| Loan loss allowance to noncurrent loans | 60.9203% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.7454% | 604 |
| Noncurrent loans to loans | 2.4735% | 494 |
| Net loans and leases to total assets | 69.5010% | 2,652 |
| Net loans and leases to deposits | 85.3984% | 2,359 |
| Net loans and leases to core deposits | 86.9664% | 2,844 |
| Total domestic deposits to total assets | 81.3843% | 3,811 |
| Equity capital to assets | 11.7012% | 2,096 |
| Core capital (leverage) ratio | 12.2998% | 1,563 |
| Tier 1 risk-based capital ratio | 17.5960% | 1,869 |
| Total risk-based capital ratio | 18.8488% | 1,826 |
| Memoranda: | ||
| Average total assets | $81,898,800 | 4,405 |
| Average earning assets | $76,087,200 | 4,378 |
| Average equity | $9,614,400 | 4,369 |
| Average total loans | $58,485,200 | 4,131 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 3,723 |
| Cost of funding earning assets | 0.7973% | 1,353 |
| Net interest margin | 3.2754% | 4,347 |
| Noninterest income to average assets | 0.5021% | 2,853 |
| Noninterest expense to average assets | 2.4223% | 3,799 |
| Loan and lease loss provision to assets | 0.0900% | 2,177 |
| Net operating income to assets | 1.0402% | 2,924 |
| Return on assets (ROA) | 1.0402% | 2,928 |
| Pretax return on assets | 1.0402% | 3,609 |
| Return on Equity (ROE) | 8.8536% | 3,152 |
| Retained earnings to average equity (ytd only) | 4.0371% | 3,750 |
| Net charge-offs to loans | 0.0959% | 1,533 |
| Credit loss provision to net charge-offs | 130.9524% | 1,884 |
| Earnings coverage of net charge-offs (x) | 16.4520% | 2,164 |
| Efficiency ratio | 68.1860% | 2,504 |
| Assets per employee ($millions) | 5.0618% | 2,393 |
| Cash dividends to net income (ytd only)* | 54.4022% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 1,765 |
| Loan loss allowance to noncurrent loans | 63.1045% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 726 |
| Noncurrent loans to loans | 2.1927% | 647 |
| Net loans and leases to total assets | 71.1933% | 2,463 |
| Net loans and leases to deposits | 87.7155% | 2,184 |
| Net loans and leases to core deposits | 88.9743% | 2,748 |
| Total domestic deposits to total assets | 81.1639% | 3,824 |
| Equity capital to assets | 11.8968% | 1,973 |
| Core capital (leverage) ratio | 12.3004% | 1,615 |
| Tier 1 risk-based capital ratio | 17.6215% | 1,894 |
| Total risk-based capital ratio | 18.8732% | 1,851 |
| Memoranda: | ||
| Average total assets | $81,518,750 | 4,452 |
| Average earning assets | $75,916,750 | 4,428 |
| Average equity | $9,577,750 | 4,407 |
| Average total loans | $58,390,500 | 4,176 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,753 |
| Cost of funding earning assets | 0.7580% | 1,334 |
| Net interest margin | 3.2531% | 4,375 |
| Noninterest income to average assets | 0.5068% | 2,823 |
| Noninterest expense to average assets | 2.3673% | 3,982 |
| Loan and lease loss provision to assets | 0.0734% | 2,415 |
| Net operating income to assets | 1.0919% | 2,615 |
| Return on assets (ROA) | 1.0919% | 2,622 |
| Pretax return on assets | 1.0919% | 3,348 |
| Return on Equity (ROE) | 9.3318% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.1847% | 3,517 |
| Net charge-offs to loans | 0.0994% | 1,358 |
| Credit loss provision to net charge-offs | 103.4483% | 1,968 |
| Earnings coverage of net charge-offs (x) | 16.4138% | 1,999 |
| Efficiency ratio | 67.0132% | 2,819 |
| Assets per employee ($millions) | 4.7415% | 2,763 |
| Cash dividends to net income (ytd only)* | 55.1570% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,846 |
| Loan loss allowance to noncurrent loans | 57.4621% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 708 |
| Noncurrent loans to loans | 2.3861% | 558 |
| Net loans and leases to total assets | 71.1262% | 2,419 |
| Net loans and leases to deposits | 88.0054% | 2,112 |
| Net loans and leases to core deposits | 88.0054% | 2,718 |
| Total domestic deposits to total assets | 80.8203% | 4,051 |
| Equity capital to assets | 11.9172% | 1,912 |
| Core capital (leverage) ratio | 12.3007% | 1,539 |
| Tier 1 risk-based capital ratio | 17.8708% | 1,837 |
| Total risk-based capital ratio | 19.1213% | 1,799 |
| Memoranda: | ||
| Average total assets | $81,695,670 | 4,484 |
| Average earning assets | $75,989,000 | 4,471 |
| Average equity | $9,558,670 | 4,447 |
| Average total loans | $58,365,000 | 4,205 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 3,848 |
| Cost of funding earning assets | 0.7497% | 1,194 |
| Net interest margin | 3.1812% | 4,529 |
| Noninterest income to average assets | 0.4961% | 2,827 |
| Noninterest expense to average assets | 2.1838% | 4,454 |
| Loan and lease loss provision to assets | 0.0730% | 2,303 |
| Net operating income to assets | 1.2111% | 1,955 |
| Return on assets (ROA) | 1.2111% | 1,965 |
| Pretax return on assets | 1.2111% | 2,705 |
| Return on Equity (ROE) | 10.4457% | 2,207 |
| Retained earnings to average equity (ytd only) | 3.8175% | 3,667 |
| Net charge-offs to loans | 0.2189% | 683 |
| Credit loss provision to net charge-offs | 46.8750% | 1,973 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,044 |
| Efficiency ratio | 62.9734% | 3,641 |
| Assets per employee ($millions) | 5.4475% | 1,988 |
| Cash dividends to net income (ytd only)* | 63.4538% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,033 |
| Loan loss allowance to noncurrent loans | 55.6826% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7121% | 741 |
| Noncurrent loans to loans | 2.4183% | 572 |
| Net loans and leases to total assets | 69.8453% | 2,513 |
| Net loans and leases to deposits | 86.5225% | 2,101 |
| Net loans and leases to core deposits | 86.5225% | 2,757 |
| Total domestic deposits to total assets | 80.7250% | 4,267 |
| Equity capital to assets | 11.6446% | 2,032 |
| Core capital (leverage) ratio | 12.0467% | 1,624 |
| Tier 1 risk-based capital ratio | 18.0041% | 1,837 |
| Total risk-based capital ratio | 19.2559% | 1,783 |
| Memoranda: | ||
| Average total assets | $82,240,500 | 4,529 |
| Average earning assets | $76,827,500 | 4,514 |
| Average equity | $9,535,000 | 4,499 |
| Average total loans | $58,483,000 | 4,236 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,588 |
| Cost of funding earning assets | 0.7180% | 934 |
| Net interest margin | 3.2272% | 4,367 |
| Noninterest income to average assets | 0.4273% | 3,459 |
| Noninterest expense to average assets | 2.4455% | 3,950 |
| Loan and lease loss provision to assets | 0.2236% | 880 |
| Net operating income to assets | 0.7738% | 3,281 |
| Return on assets (ROA) | 0.7750% | 3,316 |
| Pretax return on assets | 0.7626% | 4,358 |
| Return on Equity (ROE) | 6.6435% | 3,455 |
| Retained earnings to average equity (ytd only) | 4.3651% | 2,537 |
| Net charge-offs to loans | 1.0040% | 175 |
| Credit loss provision to net charge-offs | 31.5789% | 3,522 |
| Earnings coverage of net charge-offs (x) | 1.3912% | 3,893 |
| Efficiency ratio | 71.2889% | 2,338 |
| Assets per employee ($millions) | 5.5179% | 1,917 |
| Cash dividends to net income (ytd only)* | 34.2949% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 1,988 |
| Loan loss allowance to noncurrent loans | 51.5544% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.8896% | 625 |
| Noncurrent loans to loans | 2.6119% | 496 |
| Net loans and leases to total assets | 70.4600% | 2,451 |
| Net loans and leases to deposits | 87.8682% | 2,034 |
| Net loans and leases to core deposits | 87.8682% | 2,735 |
| Total domestic deposits to total assets | 80.1882% | 4,303 |
| Equity capital to assets | 11.5442% | 2,166 |
| Core capital (leverage) ratio | 11.9325% | 1,641 |
| Tier 1 risk-based capital ratio | 17.1263% | 2,048 |
| Total risk-based capital ratio | 18.3772% | 2,007 |
| Memoranda: | ||
| Average total assets | $80,514,400 | 4,581 |
| Average earning assets | $74,925,600 | 4,564 |
| Average equity | $9,392,600 | 4,540 |
| Average total loans | $56,773,400 | 4,270 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,553 |
| Cost of funding earning assets | 0.7048% | 941 |
| Net interest margin | 3.2354% | 4,373 |
| Noninterest income to average assets | 0.4936% | 3,061 |
| Noninterest expense to average assets | 2.4865% | 3,782 |
| Loan and lease loss provision to assets | 0.3002% | 521 |
| Net operating income to assets | 0.7321% | 3,813 |
| Return on assets (ROA) | 0.7338% | 3,874 |
| Pretax return on assets | 0.7171% | 4,570 |
| Return on Equity (ROE) | 6.2730% | 3,995 |
| Retained earnings to average equity (ytd only) | 3.6355% | 3,760 |
| Net charge-offs to loans | 1.2149% | 139 |
| Credit loss provision to net charge-offs | 35.1563% | 3,038 |
| Earnings coverage of net charge-offs (x) | 1.1895% | 3,592 |
| Efficiency ratio | 71.0000% | 2,367 |
| Assets per employee ($millions) | 5.3397% | 2,080 |
| Cash dividends to net income (ytd only)* | 42.0455% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,669 |
| Loan loss allowance to noncurrent loans | 54.9550% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 557 |
| Noncurrent loans to loans | 2.6608% | 541 |
| Net loans and leases to total assets | 71.8513% | 2,274 |
| Net loans and leases to deposits | 91.0990% | 1,677 |
| Net loans and leases to core deposits | 91.0990% | 2,518 |
| Total domestic deposits to total assets | 78.8716% | 4,553 |
| Equity capital to assets | 11.9419% | 2,006 |
| Core capital (leverage) ratio | 11.9792% | 1,699 |
| Tier 1 risk-based capital ratio | 16.9624% | 2,167 |
| Total risk-based capital ratio | 18.2144% | 2,122 |
| Memoranda: | ||
| Average total assets | $79,950,750 | 4,632 |
| Average earning assets | $74,342,250 | 4,624 |
| Average equity | $9,352,000 | 4,595 |
| Average total loans | $56,188,000 | 4,323 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,840 |
| Cost of funding earning assets | 0.6890% | 946 |
| Net interest margin | 3.1273% | 4,611 |
| Noninterest income to average assets | 0.6007% | 2,450 |
| Noninterest expense to average assets | 2.5581% | 3,556 |
| Loan and lease loss provision to assets | 0.3504% | 409 |
| Net operating income to assets | 0.6258% | 4,178 |
| Return on assets (ROA) | 0.6258% | 4,230 |
| Pretax return on assets | 0.6007% | 4,803 |
| Return on Equity (ROE) | 5.3874% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.8230% | 4,027 |
| Net charge-offs to loans | 1.8251% | 96 |
| Credit loss provision to net charge-offs | 27.6680% | 2,742 |
| Earnings coverage of net charge-offs (x) | 0.7510% | 3,346 |
| Efficiency ratio | 72.8959% | 2,202 |
| Assets per employee ($millions) | 5.7353% | 1,665 |
| Cash dividends to net income (ytd only)* | 47.6000% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,726 |
| Loan loss allowance to noncurrent loans | 50.2451% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.3501% | 489 |
| Noncurrent loans to loans | 2.9056% | 457 |
| Net loans and leases to total assets | 68.9304% | 2,679 |
| Net loans and leases to deposits | 84.4142% | 2,420 |
| Net loans and leases to core deposits | 84.4142% | 3,023 |
| Total domestic deposits to total assets | 81.6574% | 3,993 |
| Equity capital to assets | 11.8091% | 2,069 |
| Core capital (leverage) ratio | 11.8408% | 1,738 |
| Tier 1 risk-based capital ratio | 17.6147% | 1,968 |
| Total risk-based capital ratio | 18.8668% | 1,925 |
| Memoranda: | ||
| Average total assets | $79,902,330 | 4,666 |
| Average earning assets | $74,314,000 | 4,647 |
| Average equity | $9,281,000 | 4,628 |
| Average total loans | $55,449,330 | 4,375 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 3,890 |
| Cost of funding earning assets | 0.6750% | 957 |
| Net interest margin | 3.0890% | 4,685 |
| Noninterest income to average assets | 0.5470% | 2,677 |
| Noninterest expense to average assets | 2.5293% | 3,718 |
| Loan and lease loss provision to assets | 0.5269% | 191 |
| Net operating income to assets | 0.4115% | 4,917 |
| Return on assets (ROA) | 0.4115% | 4,941 |
| Pretax return on assets | 0.3613% | 5,222 |
| Return on Equity (ROE) | 3.5728% | 4,929 |
| Retained earnings to average equity (ytd only) | -0.3486% | 4,973 |
| Net charge-offs to loans | 1.6046% | 98 |
| Credit loss provision to net charge-offs | 47.5113% | 2,011 |
| Earnings coverage of net charge-offs (x) | 0.8009% | 2,796 |
| Efficiency ratio | 74.0088% | 2,232 |
| Assets per employee ($millions) | 5.6480% | 1,766 |
| Cash dividends to net income (ytd only)* | 109.7561% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 729 |
| Loan loss allowance to noncurrent loans | 35.1974% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 4.3328% | 158 |
| Noncurrent loans to loans | 5.5487% | 134 |
| Net loans and leases to total assets | 67.9356% | 2,695 |
| Net loans and leases to deposits | 83.4143% | 2,353 |
| Net loans and leases to core deposits | 83.4143% | 2,954 |
| Total domestic deposits to total assets | 81.4435% | 4,314 |
| Equity capital to assets | 11.6628% | 2,072 |
| Core capital (leverage) ratio | 11.7339% | 1,801 |
| Tier 1 risk-based capital ratio | 17.9249% | 1,903 |
| Total risk-based capital ratio | 19.1835% | 1,860 |
| Memoranda: | ||
| Average total assets | $79,706,500 | 4,718 |
| Average earning assets | $74,069,000 | 4,704 |
| Average equity | $9,180,500 | 4,683 |
| Average total loans | $55,090,500 | 4,423 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,830 |
| Cost of funding earning assets | 0.6859% | 880 |
| Net interest margin | 3.1361% | 4,625 |
| Noninterest income to average assets | 0.4913% | 3,291 |
| Noninterest expense to average assets | 2.5371% | 3,889 |
| Loan and lease loss provision to assets | 0.2021% | 1,135 |
| Net operating income to assets | 0.6668% | 3,920 |
| Return on assets (ROA) | 0.6668% | 4,035 |
| Pretax return on assets | 0.6681% | 4,593 |
| Return on Equity (ROE) | 5.6449% | 4,141 |
| Retained earnings to average equity (ytd only) | 1.7533% | 4,528 |
| Net charge-offs to loans | 0.1590% | 1,686 |
| Credit loss provision to net charge-offs | 190.4762% | 1,487 |
| Earnings coverage of net charge-offs (x) | 8.2024% | 2,904 |
| Efficiency ratio | 74.4626% | 2,230 |
| Assets per employee ($millions) | 5.3561% | 1,998 |
| Cash dividends to net income (ytd only)* | 68.9394% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 506 |
| Loan loss allowance to noncurrent loans | 35.2452% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 4.1884% | 172 |
| Noncurrent loans to loans | 6.0748% | 97 |
| Net loans and leases to total assets | 67.4712% | 2,856 |
| Net loans and leases to deposits | 82.3840% | 2,621 |
| Net loans and leases to core deposits | 82.3840% | 3,186 |
| Total domestic deposits to total assets | 81.8984% | 4,102 |
| Equity capital to assets | 11.3753% | 2,266 |
| Core capital (leverage) ratio | 11.7608% | 1,750 |
| Tier 1 risk-based capital ratio | 17.3575% | 2,042 |
| Total risk-based capital ratio | 18.6179% | 1,999 |
| Memoranda: | ||
| Average total assets | $79,185,200 | 4,747 |
| Average earning assets | $73,626,800 | 4,724 |
| Average equity | $9,353,600 | 4,679 |
| Average total loans | $52,818,000 | 4,494 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,758 |
| Cost of funding earning assets | 0.6820% | 896 |
| Net interest margin | 3.1711% | 4,573 |
| Noninterest income to average assets | 0.4749% | 3,409 |
| Noninterest expense to average assets | 2.5890% | 3,704 |
| Loan and lease loss provision to assets | 0.2028% | 1,041 |
| Net operating income to assets | 0.6202% | 4,212 |
| Return on assets (ROA) | 0.6202% | 4,332 |
| Pretax return on assets | 0.6219% | 4,819 |
| Return on Equity (ROE) | 5.2015% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.5811% | 5,207 |
| Net charge-offs to loans | 0.2172% | 1,070 |
| Credit loss provision to net charge-offs | 141.1765% | 1,854 |
| Earnings coverage of net charge-offs (x) | 5.7412% | 3,088 |
| Efficiency ratio | 75.8416% | 1,997 |
| Assets per employee ($millions) | 5.3451% | 2,010 |
| Cash dividends to net income (ytd only)* | 88.8294% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1083% | 596 |
| Loan loss allowance to noncurrent loans | 28.5323% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 5.0052% | 145 |
| Noncurrent loans to loans | 7.3891% | 76 |
| Net loans and leases to total assets | 66.3095% | 3,070 |
| Net loans and leases to deposits | 82.1398% | 2,716 |
| Net loans and leases to core deposits | 82.1398% | 3,270 |
| Total domestic deposits to total assets | 80.7276% | 4,314 |
| Equity capital to assets | 11.7740% | 2,282 |
| Core capital (leverage) ratio | 11.5700% | 1,975 |
| Tier 1 risk-based capital ratio | 16.8170% | 2,290 |
| Total risk-based capital ratio | 18.0760% | 2,239 |
| Memoranda: | ||
| Average total assets | $78,896,250 | 4,787 |
| Average earning assets | $73,117,250 | 4,771 |
| Average equity | $9,407,250 | 4,718 |
| Average total loans | $52,174,250 | 4,550 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 3,874 |
| Cost of funding earning assets | 0.6745% | 922 |
| Net interest margin | 3.1497% | 4,692 |
| Noninterest income to average assets | 0.5301% | 3,005 |
| Noninterest expense to average assets | 2.4264% | 4,248 |
| Loan and lease loss provision to assets | 0.2294% | 884 |
| Net operating income to assets | 0.7876% | 3,373 |
| Return on assets (ROA) | 0.7876% | 3,518 |
| Pretax return on assets | 0.7901% | 4,320 |
| Return on Equity (ROE) | 6.5770% | 3,765 |
| Retained earnings to average equity (ytd only) | 3.7461% | 3,511 |
| Net charge-offs to loans | -0.0233% | 5,009 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4142% | 2,919 |
| Assets per employee ($millions) | 5.3066% | 1,977 |
| Cash dividends to net income (ytd only)* | 43.0421% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 532 |
| Loan loss allowance to noncurrent loans | 45.3248% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.8681% | 246 |
| Noncurrent loans to loans | 4.8922% | 181 |
| Net loans and leases to total assets | 66.8689% | 2,959 |
| Net loans and leases to deposits | 82.8823% | 2,604 |
| Net loans and leases to core deposits | 82.8823% | 3,184 |
| Total domestic deposits to total assets | 80.6794% | 4,368 |
| Equity capital to assets | 12.0014% | 2,118 |
| Core capital (leverage) ratio | 11.8751% | 1,717 |
| Tier 1 risk-based capital ratio | 16.7949% | 2,309 |
| Total risk-based capital ratio | 18.0558% | 2,254 |
| Memoranda: | ||
| Average total assets | $78,469,330 | 4,851 |
| Average earning assets | $72,641,330 | 4,828 |
| Average equity | $9,396,330 | 4,755 |
| Average total loans | $51,462,330 | 4,602 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 3,917 |
| Cost of funding earning assets | 0.6791% | 895 |
| Net interest margin | 3.1281% | 4,786 |
| Noninterest income to average assets | 0.5443% | 2,846 |
| Noninterest expense to average assets | 2.4954% | 4,085 |
| Loan and lease loss provision to assets | 0.3081% | 506 |
| Net operating income to assets | 0.6213% | 4,086 |
| Return on assets (ROA) | 0.6213% | 4,204 |
| Pretax return on assets | 0.6264% | 4,741 |
| Return on Equity (ROE) | 5.1942% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.5503% | 3,207 |
| Net charge-offs to loans | -0.0480% | 5,303 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7545% | 2,690 |
| Assets per employee ($millions) | 5.1937% | 2,147 |
| Cash dividends to net income (ytd only)* | 12.3967% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3347% | 485 |
| Loan loss allowance to noncurrent loans | 42.7481% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 4.0652% | 246 |
| Noncurrent loans to loans | 5.4615% | 168 |
| Net loans and leases to total assets | 63.1466% | 3,365 |
| Net loans and leases to deposits | 78.4522% | 2,959 |
| Net loans and leases to core deposits | 78.4522% | 3,456 |
| Total domestic deposits to total assets | 80.4906% | 4,636 |
| Equity capital to assets | 12.0966% | 1,959 |
| Core capital (leverage) ratio | 11.9003% | 1,677 |
| Tier 1 risk-based capital ratio | 18.5490% | 1,842 |
| Total risk-based capital ratio | 19.8124% | 1,795 |
| Memoranda: | ||
| Average total assets | $77,904,500 | 4,902 |
| Average earning assets | $71,864,500 | 4,877 |
| Average equity | $9,318,000 | 4,800 |
| Average total loans | $49,976,500 | 4,676 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,337 |
| Cost of funding earning assets | 0.6550% | 1,047 |
| Net interest margin | 3.3375% | 4,159 |
| Noninterest income to average assets | 0.5837% | 2,811 |
| Noninterest expense to average assets | 2.6934% | 3,601 |
| Loan and lease loss provision to assets | 0.8104% | 119 |
| Net operating income to assets | 0.1621% | 5,656 |
| Return on assets (ROA) | 0.1621% | 5,707 |
| Pretax return on assets | 0.1753% | 5,715 |
| Return on Equity (ROE) | 1.3369% | 5,714 |
| Retained earnings to average equity (ytd only) | -0.2609% | 5,545 |
| Net charge-offs to loans | 1.2651% | 135 |
| Credit loss provision to net charge-offs | 97.0032% | 2,616 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 4,131 |
| Efficiency ratio | 73.2092% | 2,712 |
| Assets per employee ($millions) | 5.1935% | 2,128 |
| Cash dividends to net income (ytd only)* | 119.5122% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2387% | 560 |
| Loan loss allowance to noncurrent loans | 44.8666% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.7097% | 300 |
| Noncurrent loans to loans | 4.9897% | 190 |
| Net loans and leases to total assets | 62.2210% | 3,527 |
| Net loans and leases to deposits | 76.9580% | 3,161 |
| Net loans and leases to core deposits | 76.9580% | 3,669 |
| Total domestic deposits to total assets | 80.8505% | 4,529 |
| Equity capital to assets | 11.8250% | 2,092 |
| Core capital (leverage) ratio | 11.9391% | 1,658 |
| Tier 1 risk-based capital ratio | 18.4269% | 1,849 |
| Total risk-based capital ratio | 19.6883% | 1,794 |
| Memoranda: | ||
| Average total assets | $75,890,400 | 4,951 |
| Average earning assets | $70,381,200 | 4,927 |
| Average equity | $9,200,400 | 4,800 |
| Average total loans | $50,112,800 | 4,666 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,105 |
| Cost of funding earning assets | 0.6591% | 1,042 |
| Net interest margin | 3.4001% | 3,961 |
| Noninterest income to average assets | 0.5783% | 2,861 |
| Noninterest expense to average assets | 2.6865% | 3,609 |
| Loan and lease loss provision to assets | 0.6279% | 139 |
| Net operating income to assets | 0.4068% | 5,142 |
| Return on assets (ROA) | 0.4068% | 5,234 |
| Pretax return on assets | 0.4209% | 5,421 |
| Return on Equity (ROE) | 3.3342% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.3917% | 5,165 |
| Net charge-offs to loans | 1.1516% | 147 |
| Credit loss provision to net charge-offs | 81.7972% | 2,587 |
| Earnings coverage of net charge-offs (x) | 1.3664% | 3,846 |
| Efficiency ratio | 71.9223% | 2,897 |
| Assets per employee ($millions) | 5.0304% | 2,268 |
| Cash dividends to net income (ytd only)* | 58.2600% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 759 |
| Loan loss allowance to noncurrent loans | 67.9844% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 786 |
| Noncurrent loans to loans | 3.1071% | 551 |
| Net loans and leases to total assets | 64.4243% | 3,237 |
| Net loans and leases to deposits | 80.5368% | 2,814 |
| Net loans and leases to core deposits | 80.5368% | 3,389 |
| Total domestic deposits to total assets | 79.9936% | 4,755 |
| Equity capital to assets | 12.3754% | 1,808 |
| Core capital (leverage) ratio | 12.4822% | 1,428 |
| Tier 1 risk-based capital ratio | 19.6069% | 1,648 |
| Total risk-based capital ratio | 20.8667% | 1,612 |
| Memoranda: | ||
| Average total assets | $75,387,250 | 5,017 |
| Average earning assets | $69,996,000 | 4,997 |
| Average equity | $9,197,500 | 4,866 |
| Average total loans | $50,245,500 | 4,703 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,156 |
| Cost of funding earning assets | 0.6694% | 1,001 |
| Net interest margin | 3.3612% | 4,052 |
| Noninterest income to average assets | 0.5546% | 3,012 |
| Noninterest expense to average assets | 2.6564% | 3,730 |
| Loan and lease loss provision to assets | 0.9023% | 84 |
| Net operating income to assets | 0.1141% | 5,857 |
| Return on assets (ROA) | 0.1141% | 5,909 |
| Pretax return on assets | 0.1407% | 5,893 |
| Return on Equity (ROE) | 0.9398% | 5,912 |
| Retained earnings to average equity (ytd only) | -1.0491% | 5,697 |
| Net charge-offs to loans | 1.6931% | 90 |
| Credit loss provision to net charge-offs | 79.6253% | 2,339 |
| Earnings coverage of net charge-offs (x) | 0.9204% | 3,601 |
| Efficiency ratio | 71.8077% | 3,024 |
| Assets per employee ($millions) | 4.9748% | 2,308 |
| Cash dividends to net income (ytd only)* | 211.6279% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 872 |
| Loan loss allowance to noncurrent loans | 166.7200% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 2,399 |
| Noncurrent loans to loans | 1.2510% | 2,156 |
| Net loans and leases to total assets | 65.5571% | 3,029 |
| Net loans and leases to deposits | 80.4314% | 2,730 |
| Net loans and leases to core deposits | 80.4314% | 3,340 |
| Total domestic deposits to total assets | 81.5068% | 4,444 |
| Equity capital to assets | 12.1559% | 1,915 |
| Core capital (leverage) ratio | 12.1432% | 1,567 |
| Tier 1 risk-based capital ratio | 18.9718% | 1,797 |
| Total risk-based capital ratio | 20.2327% | 1,766 |
| Memoranda: | ||
| Average total assets | $75,364,330 | 5,069 |
| Average earning assets | $70,510,330 | 5,029 |
| Average equity | $9,150,670 | 4,911 |
| Average total loans | $50,440,330 | 4,737 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 3,010 |
| Cost of funding earning assets | 0.6856% | 922 |
| Net interest margin | 3.3716% | 3,945 |
| Noninterest income to average assets | 0.5546% | 2,925 |
| Noninterest expense to average assets | 2.6777% | 3,664 |
| Loan and lease loss provision to assets | 1.7165% | 37 |
| Net operating income to assets | -0.7077% | 6,280 |
| Return on assets (ROA) | -0.7077% | 6,287 |
| Pretax return on assets | -0.6708% | 6,268 |
| Return on Equity (ROE) | -5.8321% | 6,275 |
| Retained earnings to average equity (ytd only) | -9.2269% | 6,112 |
| Net charge-offs to loans | 2.2889% | 72 |
| Credit loss provision to net charge-offs | 112.0690% | 1,494 |
| Earnings coverage of net charge-offs (x) | 0.6828% | 3,022 |
| Efficiency ratio | 71.9149% | 3,185 |
| Assets per employee ($millions) | 5.1071% | 2,219 |
| Cash dividends to net income (ytd only)* | -58.2090% | 6,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3129% | 696 |
| Loan loss allowance to noncurrent loans | 89.8148% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 1,488 |
| Noncurrent loans to loans | 2.5752% | 931 |
| Net loans and leases to total assets | 64.1751% | 3,066 |
| Net loans and leases to deposits | 79.2335% | 2,655 |
| Net loans and leases to core deposits | 79.2335% | 3,262 |
| Total domestic deposits to total assets | 80.9950% | 4,823 |
| Equity capital to assets | 11.9077% | 2,094 |
| Core capital (leverage) ratio | 11.8190% | 1,762 |
| Tier 1 risk-based capital ratio | 19.2996% | 1,789 |
| Total risk-based capital ratio | 20.5649% | 1,743 |
| Memoranda: | ||
| Average total assets | $75,735,500 | 5,113 |
| Average earning assets | $71,183,000 | 5,066 |
| Average equity | $9,190,500 | 4,943 |
| Average total loans | $50,679,500 | 4,766 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 3,118 |
| Cost of funding earning assets | 0.7427% | 882 |
| Net interest margin | 3.4082% | 4,166 |
| Noninterest income to average assets | 0.6438% | 2,594 |
| Noninterest expense to average assets | 2.4830% | 4,604 |
| Loan and lease loss provision to assets | 0.4243% | 408 |
| Net operating income to assets | 0.9276% | 2,740 |
| Return on assets (ROA) | 0.9276% | 2,832 |
| Pretax return on assets | 0.9370% | 3,753 |
| Return on Equity (ROE) | 7.8714% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.2140% | 3,197 |
| Net charge-offs to loans | 0.6864% | 543 |
| Credit loss provision to net charge-offs | 92.9619% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.9824% | 4,014 |
| Efficiency ratio | 64.5891% | 4,485 |
| Assets per employee ($millions) | 4.9910% | 2,333 |
| Cash dividends to net income (ytd only)* | 46.4646% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2103% | 811 |
| Loan loss allowance to noncurrent loans | 82.6374% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8233% | 1,428 |
| Noncurrent loans to loans | 2.6747% | 911 |
| Net loans and leases to total assets | 66.6600% | 2,780 |
| Net loans and leases to deposits | 82.9000% | 2,352 |
| Net loans and leases to core deposits | 82.9000% | 3,007 |
| Total domestic deposits to total assets | 80.4101% | 4,905 |
| Equity capital to assets | 12.3676% | 1,724 |
| Core capital (leverage) ratio | 12.1657% | 1,523 |
| Tier 1 risk-based capital ratio | 19.5256% | 1,720 |
| Total risk-based capital ratio | 20.7890% | 1,677 |
| Memoranda: | ||
| Average total assets | $74,707,000 | 5,178 |
| Average earning assets | $70,153,800 | 5,121 |
| Average equity | $8,804,000 | 5,024 |
| Average total loans | $49,680,600 | 4,828 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 3,181 |
| Cost of funding earning assets | 0.7431% | 926 |
| Net interest margin | 3.4037% | 4,227 |
| Noninterest income to average assets | 0.6268% | 2,707 |
| Noninterest expense to average assets | 2.5356% | 4,410 |
| Loan and lease loss provision to assets | 0.4589% | 334 |
| Net operating income to assets | 0.8214% | 3,331 |
| Return on assets (ROA) | 0.8232% | 3,411 |
| Pretax return on assets | 0.8321% | 4,251 |
| Return on Equity (ROE) | 7.0729% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.5622% | 4,759 |
| Net charge-offs to loans | 0.6566% | 544 |
| Credit loss provision to net charge-offs | 105.7613% | 2,102 |
| Earnings coverage of net charge-offs (x) | 2.9712% | 3,780 |
| Efficiency ratio | 66.2932% | 4,170 |
| Assets per employee ($millions) | 4.9915% | 2,250 |
| Cash dividends to net income (ytd only)* | 63.7745% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2784% | 847 |
| Loan loss allowance to noncurrent loans | 45.9023% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.5327% | 601 |
| Noncurrent loans to loans | 4.9636% | 373 |
| Net loans and leases to total assets | 66.7366% | 2,735 |
| Net loans and leases to deposits | 83.6282% | 2,206 |
| Net loans and leases to core deposits | 83.6282% | 2,926 |
| Total domestic deposits to total assets | 79.8015% | 5,143 |
| Equity capital to assets | 11.9297% | 2,122 |
| Core capital (leverage) ratio | 11.9140% | 1,751 |
| Tier 1 risk-based capital ratio | 18.7275% | 1,977 |
| Total risk-based capital ratio | 19.9917% | 1,939 |
| Memoranda: | ||
| Average total assets | $74,667,500 | 5,239 |
| Average earning assets | $70,157,000 | 5,173 |
| Average equity | $8,690,250 | 5,090 |
| Average total loans | $49,342,500 | 4,887 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 3,161 |
| Cost of funding earning assets | 0.7520% | 914 |
| Net interest margin | 3.3953% | 4,197 |
| Noninterest income to average assets | 0.6220% | 2,699 |
| Noninterest expense to average assets | 2.4531% | 4,721 |
| Loan and lease loss provision to assets | 0.3887% | 436 |
| Net operating income to assets | 0.9678% | 2,460 |
| Return on assets (ROA) | 0.9678% | 2,551 |
| Pretax return on assets | 0.9759% | 3,583 |
| Return on Equity (ROE) | 8.3859% | 2,901 |
| Retained earnings to average equity (ytd only) | 3.2522% | 4,135 |
| Net charge-offs to loans | 0.7139% | 537 |
| Credit loss provision to net charge-offs | 83.3333% | 2,290 |
| Earnings coverage of net charge-offs (x) | 2.9253% | 3,432 |
| Efficiency ratio | 64.2556% | 4,652 |
| Assets per employee ($millions) | 5.0378% | 2,163 |
| Cash dividends to net income (ytd only)* | 61.2188% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 984 |
| Loan loss allowance to noncurrent loans | 56.4605% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.8915% | 893 |
| Noncurrent loans to loans | 3.9483% | 607 |
| Net loans and leases to total assets | 65.1779% | 2,883 |
| Net loans and leases to deposits | 79.5609% | 2,579 |
| Net loans and leases to core deposits | 79.5609% | 3,259 |
| Total domestic deposits to total assets | 81.9220% | 4,671 |
| Equity capital to assets | 11.8200% | 2,133 |
| Core capital (leverage) ratio | 11.8549% | 1,750 |
| Tier 1 risk-based capital ratio | 18.1308% | 2,194 |
| Total risk-based capital ratio | 19.3462% | 2,176 |
| Memoranda: | ||
| Average total assets | $74,599,330 | 5,279 |
| Average earning assets | $70,214,670 | 5,216 |
| Average equity | $8,609,670 | 5,133 |
| Average total loans | $48,746,000 | 4,942 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 3,047 |
| Cost of funding earning assets | 0.7646% | 906 |
| Net interest margin | 3.3918% | 4,155 |
| Noninterest income to average assets | 0.5505% | 3,046 |
| Noninterest expense to average assets | 2.5042% | 4,608 |
| Loan and lease loss provision to assets | 0.3238% | 567 |
| Net operating income to assets | 0.8959% | 2,676 |
| Return on assets (ROA) | 0.8959% | 2,737 |
| Pretax return on assets | 0.9067% | 3,675 |
| Return on Equity (ROE) | 7.8594% | 3,006 |
| Retained earnings to average equity (ytd only) | 1.4677% | 5,030 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0520% | 4,353 |
| Assets per employee ($millions) | 4.9869% | 2,268 |
| Cash dividends to net income (ytd only)* | 81.3253% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5322% | 783 |
| Loan loss allowance to noncurrent loans | 86.7573% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 1,784 |
| Noncurrent loans to loans | 2.9187% | 1,112 |
| Net loans and leases to total assets | 62.3651% | 3,175 |
| Net loans and leases to deposits | 74.9908% | 2,945 |
| Net loans and leases to core deposits | 74.9908% | 3,524 |
| Total domestic deposits to total assets | 83.1638% | 4,547 |
| Equity capital to assets | 11.4701% | 2,278 |
| Core capital (leverage) ratio | 11.9410% | 1,685 |
| Tier 1 risk-based capital ratio | 18.7419% | 2,047 |
| Total risk-based capital ratio | 19.9569% | 2,016 |
| Memoranda: | ||
| Average total assets | $74,115,500 | 5,336 |
| Average earning assets | $69,580,500 | 5,282 |
| Average equity | $8,448,500 | 5,189 |
| Average total loans | $47,931,000 | 5,012 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 3,583 |
| Cost of funding earning assets | 0.9570% | 561 |
| Net interest margin | 3.1824% | 5,055 |
| Noninterest income to average assets | 0.5495% | 3,406 |
| Noninterest expense to average assets | 2.4647% | 4,879 |
| Loan and lease loss provision to assets | 0.6135% | 402 |
| Net operating income to assets | 0.4574% | 4,920 |
| Return on assets (ROA) | 0.7589% | 3,596 |
| Pretax return on assets | 0.7802% | 4,223 |
| Return on Equity (ROE) | 6.5673% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.8508% | 4,217 |
| Net charge-offs to loans | 0.8757% | 701 |
| Credit loss provision to net charge-offs | 109.0047% | 2,208 |
| Earnings coverage of net charge-offs (x) | 1.9242% | 4,409 |
| Efficiency ratio | 69.4737% | 3,924 |
| Assets per employee ($millions) | 4.8952% | 2,318 |
| Cash dividends to net income (ytd only)* | 56.5905% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 932 |
| Loan loss allowance to noncurrent loans | 86.3568% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.8167% | 2,022 |
| Noncurrent loans to loans | 2.7792% | 1,278 |
| Net loans and leases to total assets | 63.7999% | 3,069 |
| Net loans and leases to deposits | 77.2798% | 2,817 |
| Net loans and leases to core deposits | 77.2798% | 3,453 |
| Total domestic deposits to total assets | 82.5571% | 4,697 |
| Equity capital to assets | 11.3267% | 2,315 |
| Core capital (leverage) ratio | 11.8613% | 1,709 |
| Tier 1 risk-based capital ratio | 18.8386% | 1,970 |
| Total risk-based capital ratio | 20.0490% | 1,941 |
| Memoranda: | ||
| Average total assets | $74,978,800 | 5,353 |
| Average earning assets | $70,639,400 | 5,295 |
| Average equity | $8,664,200 | 5,172 |
| Average total loans | $48,189,200 | 5,020 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 3,846 |
| Cost of funding earning assets | 0.9782% | 557 |
| Net interest margin | 3.0997% | 5,319 |
| Noninterest income to average assets | 0.5290% | 3,597 |
| Noninterest expense to average assets | 2.4113% | 4,996 |
| Loan and lease loss provision to assets | 0.6546% | 342 |
| Net operating income to assets | 0.3746% | 5,357 |
| Return on assets (ROA) | 0.7607% | 3,684 |
| Pretax return on assets | 0.7819% | 4,361 |
| Return on Equity (ROE) | 6.5515% | 3,900 |
| Retained earnings to average equity (ytd only) | 1.6455% | 5,318 |
| Net charge-offs to loans | 0.3980% | 1,610 |
| Credit loss provision to net charge-offs | 256.9444% | 966 |
| Earnings coverage of net charge-offs (x) | 4.0763% | 3,545 |
| Efficiency ratio | 69.8974% | 3,774 |
| Assets per employee ($millions) | 4.9839% | 2,184 |
| Cash dividends to net income (ytd only)* | 74.8831% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7838% | 680 |
| Loan loss allowance to noncurrent loans | 77.8294% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.4051% | 1,615 |
| Noncurrent loans to loans | 3.5768% | 1,059 |
| Net loans and leases to total assets | 62.6426% | 3,234 |
| Net loans and leases to deposits | 75.3940% | 3,034 |
| Net loans and leases to core deposits | 75.3940% | 3,688 |
| Total domestic deposits to total assets | 83.0870% | 4,543 |
| Equity capital to assets | 11.1171% | 2,648 |
| Core capital (leverage) ratio | 11.6217% | 1,929 |
| Tier 1 risk-based capital ratio | 18.2319% | 2,235 |
| Total risk-based capital ratio | 19.4428% | 2,216 |
| Memoranda: | ||
| Average total assets | $75,366,500 | 5,395 |
| Average earning assets | $71,016,250 | 5,337 |
| Average equity | $8,751,000 | 5,202 |
| Average total loans | $48,236,750 | 5,066 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 4,032 |
| Cost of funding earning assets | 0.9797% | 599 |
| Net interest margin | 3.0402% | 5,462 |
| Noninterest income to average assets | 0.5161% | 3,728 |
| Noninterest expense to average assets | 2.3264% | 5,289 |
| Loan and lease loss provision to assets | 0.7410% | 295 |
| Net operating income to assets | 0.3110% | 5,569 |
| Return on assets (ROA) | 0.8945% | 2,972 |
| Pretax return on assets | 0.9104% | 3,866 |
| Return on Equity (ROE) | 7.5975% | 3,289 |
| Retained earnings to average equity (ytd only) | 1.5285% | 5,259 |
| Net charge-offs to loans | 0.4890% | 1,340 |
| Credit loss provision to net charge-offs | 237.2881% | 1,054 |
| Earnings coverage of net charge-offs (x) | 3.3814% | 3,404 |
| Efficiency ratio | 68.7793% | 4,044 |
| Assets per employee ($millions) | 5.0796% | 2,021 |
| Cash dividends to net income (ytd only)* | 79.8817% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6736% | 813 |
| Loan loss allowance to noncurrent loans | 76.1479% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3073% | 1,875 |
| Noncurrent loans to loans | 3.5111% | 1,208 |
| Net loans and leases to total assets | 61.0101% | 3,484 |
| Net loans and leases to deposits | 71.6073% | 3,510 |
| Net loans and leases to core deposits | 71.6073% | 4,094 |
| Total domestic deposits to total assets | 85.2009% | 3,798 |
| Equity capital to assets | 11.0114% | 2,738 |
| Core capital (leverage) ratio | 11.3473% | 2,063 |
| Tier 1 risk-based capital ratio | 18.2295% | 2,232 |
| Total risk-based capital ratio | 19.4373% | 2,214 |
| Memoranda: | ||
| Average total assets | $75,569,000 | 5,425 |
| Average earning assets | $71,245,670 | 5,356 |
| Average equity | $8,897,670 | 5,196 |
| Average total loans | $48,258,330 | 5,091 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 3,939 |
| Cost of funding earning assets | 0.9830% | 673 |
| Net interest margin | 3.0620% | 5,391 |
| Noninterest income to average assets | 0.4624% | 4,036 |
| Noninterest expense to average assets | 2.4928% | 4,782 |
| Loan and lease loss provision to assets | 1.0099% | 176 |
| Net operating income to assets | -0.1582% | 6,488 |
| Return on assets (ROA) | 1.0205% | 2,259 |
| Pretax return on assets | 1.0311% | 3,221 |
| Return on Equity (ROE) | 8.3921% | 2,777 |
| Retained earnings to average equity (ytd only) | 1.5735% | 5,197 |
| Net charge-offs to loans | 0.8329% | 721 |
| Credit loss provision to net charge-offs | 188.1188% | 1,142 |
| Earnings coverage of net charge-offs (x) | 1.5842% | 3,305 |
| Efficiency ratio | 74.5628% | 3,165 |
| Assets per employee ($millions) | 5.1122% | 2,081 |
| Cash dividends to net income (ytd only)* | 81.2500% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 1,097 |
| Loan loss allowance to noncurrent loans | 251.1482% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 4,329 |
| Noncurrent loans to loans | 1.0011% | 4,130 |
| Net loans and leases to total assets | 60.8270% | 3,284 |
| Net loans and leases to deposits | 71.9182% | 3,191 |
| Net loans and leases to core deposits | 71.9182% | 3,823 |
| Total domestic deposits to total assets | 84.5781% | 4,233 |
| Equity capital to assets | 11.6988% | 2,256 |
| Core capital (leverage) ratio | 11.4738% | 1,902 |
| Tier 1 risk-based capital ratio | 18.1417% | 2,303 |
| Total risk-based capital ratio | 19.3420% | 2,291 |
| Memoranda: | ||
| Average total assets | $75,256,500 | 5,479 |
| Average earning assets | $70,803,000 | 5,417 |
| Average equity | $9,151,500 | 5,196 |
| Average total loans | $48,506,000 | 5,111 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 2,580 |
| Cost of funding earning assets | 1.1439% | 755 |
| Net interest margin | 3.5598% | 4,267 |
| Noninterest income to average assets | 0.6372% | 3,069 |
| Noninterest expense to average assets | 2.6165% | 4,686 |
| Loan and lease loss provision to assets | 0.4076% | 1,588 |
| Net operating income to assets | 0.9254% | 2,675 |
| Return on assets (ROA) | 0.9469% | 2,821 |
| Pretax return on assets | 0.9578% | 3,712 |
| Return on Equity (ROE) | 7.4909% | 3,345 |
| Retained earnings to average equity (ytd only) | 0.6878% | 5,524 |
| Net charge-offs to loans | 0.3331% | 2,972 |
| Credit loss provision to net charge-offs | 184.0491% | 1,428 |
| Earnings coverage of net charge-offs (x) | 6.0675% | 2,880 |
| Efficiency ratio | 66.0720% | 4,491 |
| Assets per employee ($millions) | 4.9220% | 2,327 |
| Cash dividends to net income (ytd only)* | 90.8178% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2658% | 1,427 |
| Loan loss allowance to noncurrent loans | 176.2658% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 3,953 |
| Noncurrent loans to loans | 1.2855% | 3,688 |
| Net loans and leases to total assets | 65.0833% | 2,701 |
| Net loans and leases to deposits | 77.9264% | 2,547 |
| Net loans and leases to core deposits | 77.9264% | 3,272 |
| Total domestic deposits to total assets | 83.5189% | 4,530 |
| Equity capital to assets | 12.6398% | 1,619 |
| Core capital (leverage) ratio | 11.6773% | 1,747 |
| Tier 1 risk-based capital ratio | 16.5038% | 2,890 |
| Total risk-based capital ratio | 17.6368% | 2,903 |
| Memoranda: | ||
| Average total assets | $73,609,000 | 5,525 |
| Average earning assets | $68,710,800 | 5,473 |
| Average equity | $9,304,600 | 5,149 |
| Average total loans | $48,941,200 | 5,143 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 2,469 |
| Cost of funding earning assets | 1.1735% | 786 |
| Net interest margin | 3.6042% | 4,221 |
| Noninterest income to average assets | 0.6381% | 3,059 |
| Noninterest expense to average assets | 2.6067% | 4,719 |
| Loan and lease loss provision to assets | 0.3988% | 1,607 |
| Net operating income to assets | 0.9791% | 2,611 |
| Return on assets (ROA) | 1.0078% | 2,695 |
| Pretax return on assets | 1.0187% | 3,641 |
| Return on Equity (ROE) | 7.9730% | 3,295 |
| Retained earnings to average equity (ytd only) | 2.4521% | 5,104 |
| Net charge-offs to loans | 0.4418% | 2,337 |
| Credit loss provision to net charge-offs | 135.8025% | 2,123 |
| Earnings coverage of net charge-offs (x) | 4.7285% | 3,218 |
| Efficiency ratio | 65.2450% | 4,584 |
| Assets per employee ($millions) | 4.7804% | 2,491 |
| Cash dividends to net income (ytd only)* | 69.2450% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1426% | 1,823 |
| Loan loss allowance to noncurrent loans | 109.7561% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7000% | 3,041 |
| Noncurrent loans to loans | 1.9521% | 2,895 |
| Net loans and leases to total assets | 65.9234% | 2,665 |
| Net loans and leases to deposits | 79.8187% | 2,414 |
| Net loans and leases to core deposits | 79.8187% | 3,231 |
| Total domestic deposits to total assets | 82.5914% | 4,793 |
| Equity capital to assets | 13.3420% | 1,417 |
| Core capital (leverage) ratio | 11.9604% | 1,680 |
| Tier 1 risk-based capital ratio | 16.7678% | 2,860 |
| Total risk-based capital ratio | 18.0261% | 2,811 |
| Memoranda: | ||
| Average total assets | $73,553,750 | 5,587 |
| Average earning assets | $68,511,750 | 5,539 |
| Average equity | $9,297,750 | 5,198 |
| Average total loans | $48,885,250 | 5,206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 2,416 |
| Cost of funding earning assets | 1.1955% | 836 |
| Net interest margin | 3.6271% | 4,157 |
| Noninterest income to average assets | 0.6580% | 2,910 |
| Noninterest expense to average assets | 2.4511% | 5,293 |
| Loan and lease loss provision to assets | 0.3775% | 1,739 |
| Net operating income to assets | 1.1923% | 1,742 |
| Return on assets (ROA) | 1.2350% | 1,784 |
| Pretax return on assets | 1.2431% | 2,753 |
| Return on Equity (ROE) | 9.9479% | 2,378 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,675 |
| Net charge-offs to loans | 0.0285% | 4,980 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 83.5714% | 491 |
| Efficiency ratio | 60.8434% | 5,445 |
| Assets per employee ($millions) | 4.9002% | 2,294 |
| Cash dividends to net income (ytd only)* | 55.6769% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 1,566 |
| Loan loss allowance to noncurrent loans | 127.0023% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6952% | 3,178 |
| Noncurrent loans to loans | 1.8236% | 3,186 |
| Net loans and leases to total assets | 63.6954% | 3,103 |
| Net loans and leases to deposits | 76.4988% | 2,915 |
| Net loans and leases to core deposits | 76.4988% | 3,716 |
| Total domestic deposits to total assets | 83.2633% | 4,642 |
| Equity capital to assets | 12.8036% | 1,623 |
| Core capital (leverage) ratio | 11.8800% | 1,665 |
| Tier 1 risk-based capital ratio | 16.6778% | 2,816 |
| Total risk-based capital ratio | 17.7988% | 2,850 |
| Memoranda: | ||
| Average total assets | $74,169,670 | 5,601 |
| Average earning assets | $68,926,000 | 5,560 |
| Average equity | $9,208,000 | 5,224 |
| Average total loans | $49,078,330 | 5,231 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 2,862 |
| Cost of funding earning assets | 1.2210% | 889 |
| Net interest margin | 3.5246% | 4,584 |
| Noninterest income to average assets | 0.7892% | 2,215 |
| Noninterest expense to average assets | 2.6952% | 4,438 |
| Loan and lease loss provision to assets | 0.1074% | 4,007 |
| Net operating income to assets | 1.2671% | 1,548 |
| Return on assets (ROA) | 1.2671% | 1,718 |
| Pretax return on assets | 1.2724% | 2,644 |
| Return on Equity (ROE) | 10.3662% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.0747% | 4,714 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1397% | 4,534 |
| Assets per employee ($millions) | 4.9599% | 2,300 |
| Cash dividends to net income (ytd only)* | 70.3390% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 2,199 |
| Loan loss allowance to noncurrent loans | 97.6517% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.8885% | 3,060 |
| Noncurrent loans to loans | 2.1055% | 3,025 |
| Net loans and leases to total assets | 63.9023% | 2,866 |
| Net loans and leases to deposits | 77.4590% | 2,600 |
| Net loans and leases to core deposits | 78.0965% | 3,310 |
| Total domestic deposits to total assets | 82.4982% | 5,128 |
| Equity capital to assets | 12.3041% | 1,846 |
| Core capital (leverage) ratio | 11.4911% | 1,900 |
| Tier 1 risk-based capital ratio | 16.3635% | 2,981 |
| Total risk-based capital ratio | 17.4765% | 3,016 |
| Memoranda: | ||
| Average total assets | $74,503,000 | 5,631 |
| Average earning assets | $69,454,000 | 5,580 |
| Average equity | $9,106,500 | 5,259 |
| Average total loans | $49,653,500 | 5,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 2,279 |
| Cost of funding earning assets | 1.4337% | 910 |
| Net interest margin | 3.7085% | 4,259 |
| Noninterest income to average assets | 0.4492% | 4,220 |
| Noninterest expense to average assets | 2.1633% | 6,349 |
| Loan and lease loss provision to assets | 0.8414% | 1,154 |
| Net operating income to assets | 0.8916% | 2,638 |
| Return on assets (ROA) | 0.8916% | 2,772 |
| Pretax return on assets | 0.9269% | 3,527 |
| Return on Equity (ROE) | 7.6132% | 3,095 |
| Retained earnings to average equity (ytd only) | 2.2596% | 4,601 |
| Net charge-offs to loans | 0.7359% | 2,308 |
| Credit loss provision to net charge-offs | 167.1159% | 1,616 |
| Earnings coverage of net charge-offs (x) | 3.5121% | 3,488 |
| Efficiency ratio | 55.0224% | 6,421 |
| Assets per employee ($millions) | 4.9739% | 2,237 |
| Cash dividends to net income (ytd only)* | 70.3196% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 2,485 |
| Loan loss allowance to noncurrent loans | 91.5730% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.7786% | 3,283 |
| Noncurrent loans to loans | 2.1037% | 3,060 |
| Net loans and leases to total assets | 66.7341% | 2,632 |
| Net loans and leases to deposits | 81.3506% | 2,301 |
| Net loans and leases to core deposits | 82.3626% | 3,126 |
| Total domestic deposits to total assets | 82.0328% | 5,117 |
| Equity capital to assets | 12.1421% | 2,019 |
| Core capital (leverage) ratio | 11.3244% | 2,022 |
| Tier 1 risk-based capital ratio | 15.6531% | 3,235 |
| Total risk-based capital ratio | 16.7651% | 3,264 |
| Memoranda: | ||
| Average total assets | $73,685,400 | 5,652 |
| Average earning assets | $69,191,800 | 5,568 |
| Average equity | $8,629,800 | 5,375 |
| Average total loans | $50,413,200 | 5,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 2,179 |
| Cost of funding earning assets | 1.4648% | 973 |
| Net interest margin | 3.7433% | 4,141 |
| Noninterest income to average assets | 0.4338% | 4,409 |
| Noninterest expense to average assets | 2.2780% | 6,092 |
| Loan and lease loss provision to assets | 0.6534% | 1,495 |
| Net operating income to assets | 0.9784% | 2,402 |
| Return on assets (ROA) | 0.9784% | 2,562 |
| Pretax return on assets | 1.0183% | 3,339 |
| Return on Equity (ROE) | 8.4324% | 2,863 |
| Retained earnings to average equity (ytd only) | 2.1746% | 5,037 |
| Net charge-offs to loans | 0.1007% | 4,982 |
| Credit loss provision to net charge-offs | 947.3684% | 282 |
| Earnings coverage of net charge-offs (x) | 24.2347% | 1,083 |
| Efficiency ratio | 57.6746% | 6,062 |
| Assets per employee ($millions) | 5.3199% | 1,791 |
| Cash dividends to net income (ytd only)* | 74.2114% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 2,212 |
| Loan loss allowance to noncurrent loans | 59.7950% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3577% | 2,723 |
| Noncurrent loans to loans | 3.4249% | 2,006 |
| Net loans and leases to total assets | 67.4307% | 2,590 |
| Net loans and leases to deposits | 81.8598% | 2,387 |
| Net loans and leases to core deposits | 82.8784% | 3,209 |
| Total domestic deposits to total assets | 82.3733% | 4,940 |
| Equity capital to assets | 12.1553% | 2,141 |
| Core capital (leverage) ratio | 11.2589% | 2,189 |
| Tier 1 risk-based capital ratio | 15.4127% | 3,429 |
| Total risk-based capital ratio | 16.5184% | 3,474 |
| Memoranda: | ||
| Average total assets | $73,454,750 | 5,698 |
| Average earning assets | $68,993,250 | 5,616 |
| Average equity | $8,522,500 | 5,426 |
| Average total loans | $50,324,750 | 5,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 2,482 |
| Cost of funding earning assets | 1.4761% | 1,084 |
| Net interest margin | 3.6699% | 4,414 |
| Noninterest income to average assets | 0.4021% | 4,666 |
| Noninterest expense to average assets | 2.3361% | 6,033 |
| Loan and lease loss provision to assets | 0.6018% | 1,601 |
| Net operating income to assets | 0.8671% | 2,785 |
| Return on assets (ROA) | 0.8671% | 2,875 |
| Pretax return on assets | 0.9191% | 3,551 |
| Return on Equity (ROE) | 7.5968% | 3,140 |
| Retained earnings to average equity (ytd only) | 1.4379% | 5,270 |
| Net charge-offs to loans | 0.1520% | 4,272 |
| Credit loss provision to net charge-offs | 578.9474% | 538 |
| Earnings coverage of net charge-offs (x) | 14.6316% | 1,471 |
| Efficiency ratio | 60.5674% | 5,788 |
| Assets per employee ($millions) | 4.9586% | 2,186 |
| Cash dividends to net income (ytd only)* | 81.0726% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 3,037 |
| Loan loss allowance to noncurrent loans | 53.8143% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.2735% | 2,889 |
| Noncurrent loans to loans | 3.3187% | 2,152 |
| Net loans and leases to total assets | 67.2824% | 2,766 |
| Net loans and leases to deposits | 81.1717% | 2,584 |
| Net loans and leases to core deposits | 82.1754% | 3,472 |
| Total domestic deposits to total assets | 82.8890% | 4,809 |
| Equity capital to assets | 11.6229% | 2,390 |
| Core capital (leverage) ratio | 11.2786% | 2,058 |
| Tier 1 risk-based capital ratio | 15.1682% | 3,414 |
| Total risk-based capital ratio | 16.2631% | 3,460 |
| Memoranda: | ||
| Average total assets | $73,113,670 | 5,744 |
| Average earning assets | $68,831,000 | 5,667 |
| Average equity | $8,345,670 | 5,504 |
| Average total loans | $50,009,330 | 5,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 2,727 |
| Cost of funding earning assets | 1.4942% | 1,188 |
| Net interest margin | 3.5886% | 4,620 |
| Noninterest income to average assets | 0.4029% | 4,679 |
| Noninterest expense to average assets | 2.2461% | 6,313 |
| Loan and lease loss provision to assets | 0.3311% | 2,573 |
| Net operating income to assets | 1.1093% | 1,807 |
| Return on assets (ROA) | 1.1093% | 1,863 |
| Pretax return on assets | 1.1920% | 2,403 |
| Return on Equity (ROE) | 9.8097% | 2,167 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 0.2907% | 2,890 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 1,916 |
| Efficiency ratio | 59.5900% | 6,044 |
| Assets per employee ($millions) | 4.8703% | 2,326 |
| Cash dividends to net income (ytd only)* | 100.0000% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 4,141 |
| Loan loss allowance to noncurrent loans | 37.1668% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 2.7733% | 2,491 |
| Noncurrent loans to loans | 4.0732% | 1,771 |
| Net loans and leases to total assets | 67.0559% | 2,746 |
| Net loans and leases to deposits | 80.6344% | 2,585 |
| Net loans and leases to core deposits | 81.6450% | 3,506 |
| Total domestic deposits to total assets | 83.1604% | 4,870 |
| Equity capital to assets | 11.3177% | 2,399 |
| Core capital (leverage) ratio | 11.4964% | 1,848 |
| Tier 1 risk-based capital ratio | 16.6833% | 2,595 |
| Total risk-based capital ratio | 17.9363% | 2,566 |
| Memoranda: | ||
| Average total assets | $72,481,000 | 5,807 |
| Average earning assets | $67,994,000 | 5,732 |
| Average equity | $8,196,000 | 5,558 |
| Average total loans | $49,537,000 | 5,416 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 3,208 |
| Cost of funding earning assets | 1.7564% | 1,359 |
| Net interest margin | 3.5261% | 5,129 |
| Noninterest income to average assets | 0.4866% | 4,273 |
| Noninterest expense to average assets | 2.5427% | 5,643 |
| Loan and lease loss provision to assets | 0.2842% | 4,528 |
| Net operating income to assets | 0.8439% | 2,616 |
| Return on assets (ROA) | 1.0454% | 1,988 |
| Pretax return on assets | 1.1951% | 2,241 |
| Return on Equity (ROE) | 9.0217% | 2,279 |
| Retained earnings to average equity (ytd only) | 3.6733% | 3,284 |
| Net charge-offs to loans | 0.2469% | 4,811 |
| Credit loss provision to net charge-offs | 168.0328% | 2,021 |
| Earnings coverage of net charge-offs (x) | 7.3770% | 2,145 |
| Efficiency ratio | 67.0812% | 4,750 |
| Assets per employee ($millions) | 4.7939% | 2,428 |
| Cash dividends to net income (ytd only)* | 59.2838% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 4,131 |
| Loan loss allowance to noncurrent loans | 54.0400% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9956% | 3,351 |
| Noncurrent loans to loans | 2.7344% | 2,786 |
| Net loans and leases to total assets | 67.5933% | 3,078 |
| Net loans and leases to deposits | 81.2752% | 2,935 |
| Net loans and leases to core deposits | 82.3088% | 3,862 |
| Total domestic deposits to total assets | 83.1660% | 4,724 |
| Equity capital to assets | 11.2978% | 2,411 |
| Core capital (leverage) ratio | 11.5072% | 1,828 |
| Tier 1 risk-based capital ratio | 16.3656% | 2,588 |
| Total risk-based capital ratio | 17.6183% | 2,543 |
| Memoranda: | ||
| Average total assets | $72,128,400 | 5,809 |
| Average earning assets | $67,580,800 | 5,753 |
| Average equity | $8,357,600 | 5,599 |
| Average total loans | $49,403,600 | 5,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3773% | 2,986 |
| Cost of funding earning assets | 1.8056% | 1,392 |
| Net interest margin | 3.5717% | 5,009 |
| Noninterest income to average assets | 0.4396% | 4,641 |
| Noninterest expense to average assets | 2.5102% | 5,682 |
| Loan and lease loss provision to assets | 0.2494% | 4,596 |
| Net operating income to assets | 0.8916% | 2,641 |
| Return on assets (ROA) | 1.1600% | 1,800 |
| Pretax return on assets | 1.3318% | 2,085 |
| Return on Equity (ROE) | 9.9490% | 2,141 |
| Retained earnings to average equity (ytd only) | 4.0240% | 3,643 |
| Net charge-offs to loans | 0.2590% | 4,394 |
| Credit loss provision to net charge-offs | 140.6250% | 2,821 |
| Earnings coverage of net charge-offs (x) | 7.1769% | 2,374 |
| Efficiency ratio | 66.3574% | 4,780 |
| Assets per employee ($millions) | 4.8422% | 2,395 |
| Cash dividends to net income (ytd only)* | 59.5538% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,825 |
| Loan loss allowance to noncurrent loans | 40.1644% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.7618% | 2,621 |
| Noncurrent loans to loans | 3.3000% | 2,398 |
| Net loans and leases to total assets | 70.1086% | 2,709 |
| Net loans and leases to deposits | 84.8106% | 2,551 |
| Net loans and leases to core deposits | 85.5257% | 3,724 |
| Total domestic deposits to total assets | 82.6649% | 4,730 |
| Equity capital to assets | 11.6696% | 2,383 |
| Core capital (leverage) ratio | 11.3073% | 2,060 |
| Tier 1 risk-based capital ratio | 16.6198% | 2,502 |
| Total risk-based capital ratio | 17.8722% | 2,458 |
| Memoranda: | ||
| Average total assets | $72,183,500 | 5,870 |
| Average earning assets | $67,566,250 | 5,813 |
| Average equity | $8,416,000 | 5,650 |
| Average total loans | $49,421,000 | 5,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 3,069 |
| Cost of funding earning assets | 1.8255% | 1,542 |
| Net interest margin | 3.5529% | 5,033 |
| Noninterest income to average assets | 0.3720% | 5,164 |
| Noninterest expense to average assets | 2.4322% | 5,970 |
| Loan and lease loss provision to assets | 0.2499% | 4,424 |
| Net operating income to assets | 0.7496% | 3,200 |
| Return on assets (ROA) | 0.7496% | 3,351 |
| Pretax return on assets | 1.0079% | 3,082 |
| Return on Equity (ROE) | 6.4316% | 3,579 |
| Retained earnings to average equity (ytd only) | 0.7861% | 5,459 |
| Net charge-offs to loans | 0.4148% | 3,331 |
| Credit loss provision to net charge-offs | 89.1089% | 4,449 |
| Earnings coverage of net charge-offs (x) | 4.4851% | 2,940 |
| Efficiency ratio | 65.9142% | 4,998 |
| Assets per employee ($millions) | 4.8337% | 2,399 |
| Cash dividends to net income (ytd only)* | 87.7778% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 4,993 |
| Loan loss allowance to noncurrent loans | 34.2318% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 3.0812% | 2,307 |
| Noncurrent loans to loans | 3.7628% | 2,061 |
| Net loans and leases to total assets | 67.1168% | 3,593 |
| Net loans and leases to deposits | 80.9122% | 3,446 |
| Net loans and leases to core deposits | 82.9846% | 4,279 |
| Total domestic deposits to total assets | 82.9501% | 4,597 |
| Equity capital to assets | 11.6695% | 2,302 |
| Core capital (leverage) ratio | 11.0909% | 2,174 |
| Tier 1 risk-based capital ratio | 15.9304% | 2,704 |
| Total risk-based capital ratio | 17.1894% | 2,664 |
| Memoranda: | ||
| Average total assets | $72,033,670 | 5,918 |
| Average earning assets | $67,269,000 | 5,852 |
| Average equity | $8,396,000 | 5,663 |
| Average total loans | $48,692,670 | 5,654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 3,381 |
| Cost of funding earning assets | 1.7873% | 1,930 |
| Net interest margin | 3.5448% | 4,970 |
| Noninterest income to average assets | 0.3398% | 5,424 |
| Noninterest expense to average assets | 2.5182% | 5,666 |
| Loan and lease loss provision to assets | 0.2507% | 4,039 |
| Net operating income to assets | 0.8357% | 2,813 |
| Return on assets (ROA) | 0.8357% | 2,911 |
| Pretax return on assets | 0.8858% | 3,518 |
| Return on Equity (ROE) | 7.1740% | 3,255 |
| Retained earnings to average equity (ytd only) | -1.6739% | 6,152 |
| Net charge-offs to loans | -0.0413% | 7,297 |
| Credit loss provision to net charge-offs | -900.0000% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9024% | 4,526 |
| Assets per employee ($millions) | 4.8075% | 2,502 |
| Cash dividends to net income (ytd only)* | 123.3333% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 4,194 |
| Loan loss allowance to noncurrent loans | 41.8269% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.8317% | 2,559 |
| Noncurrent loans to loans | 3.4503% | 2,310 |
| Net loans and leases to total assets | 65.9141% | 3,869 |
| Net loans and leases to deposits | 78.9936% | 3,839 |
| Net loans and leases to core deposits | 81.5748% | 4,547 |
| Total domestic deposits to total assets | 83.4424% | 4,414 |
| Equity capital to assets | 11.6042% | 2,290 |
| Core capital (leverage) ratio | 11.0957% | 2,163 |
| Tier 1 risk-based capital ratio | 15.6937% | 2,784 |
| Total risk-based capital ratio | 16.9445% | 2,731 |
| Memoranda: | ||
| Average total assets | $71,798,000 | 6,001 |
| Average earning assets | $67,141,000 | 5,929 |
| Average equity | $8,363,500 | 5,724 |
| Average total loans | $48,390,000 | 5,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8850% | 2,300 |
| Cost of funding earning assets | 2.2149% | 1,969 |
| Net interest margin | 3.6701% | 4,254 |
| Noninterest income to average assets | 0.4104% | 5,119 |
| Noninterest expense to average assets | 2.6018% | 5,793 |
| Loan and lease loss provision to assets | 0.1759% | 5,938 |
| Net operating income to assets | 1.0554% | 1,647 |
| Return on assets (ROA) | 1.0554% | 1,689 |
| Pretax return on assets | 1.0598% | 2,380 |
| Return on Equity (ROE) | 9.0927% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.2765% | 1,239 |
| Net charge-offs to loans | 0.3348% | 4,565 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 5.2688% | 2,644 |
| Efficiency ratio | 67.7998% | 5,044 |
| Assets per employee ($millions) | 4.7656% | 2,524 |
| Cash dividends to net income (ytd only)* | 30.9722% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,602 |
| Loan loss allowance to noncurrent loans | 56.2337% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.1333% | 3,227 |
| Noncurrent loans to loans | 2.3624% | 3,209 |
| Net loans and leases to total assets | 67.0178% | 3,926 |
| Net loans and leases to deposits | 81.7861% | 3,650 |
| Net loans and leases to core deposits | 94.7322% | 4,595 |
| Total domestic deposits to total assets | 81.9428% | 4,973 |
| Equity capital to assets | 11.6935% | 2,193 |
| Core capital (leverage) ratio | 11.2631% | 2,066 |
| Tier 1 risk-based capital ratio | 16.0621% | 2,497 |
| Total risk-based capital ratio | 17.3126% | 2,423 |
| Memoranda: | ||
| Average total assets | $68,222,200 | 6,065 |
| Average earning assets | $63,704,000 | 6,007 |
| Average equity | $7,918,400 | 5,952 |
| Average total loans | $47,795,800 | 5,768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8464% | 2,677 |
| Cost of funding earning assets | 2.3178% | 1,914 |
| Net interest margin | 3.5286% | 4,750 |
| Noninterest income to average assets | 0.5281% | 4,253 |
| Noninterest expense to average assets | 2.6564% | 5,503 |
| Loan and lease loss provision to assets | 0.1780% | 5,580 |
| Net operating income to assets | 0.9791% | 2,135 |
| Return on assets (ROA) | 0.9791% | 2,192 |
| Pretax return on assets | 0.9850% | 2,953 |
| Return on Equity (ROE) | 8.4523% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.6274% | 2,691 |
| Net charge-offs to loans | 0.1400% | 5,304 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 11.7591% | 1,831 |
| Efficiency ratio | 69.5495% | 4,685 |
| Assets per employee ($millions) | 4.5634% | 2,760 |
| Cash dividends to net income (ytd only)* | 45.2529% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,362 |
| Loan loss allowance to noncurrent loans | 92.7110% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6961% | 3,833 |
| Noncurrent loans to loans | 1.6322% | 4,193 |
| Net loans and leases to total assets | 68.9325% | 3,729 |
| Net loans and leases to deposits | 85.0333% | 3,492 |
| Net loans and leases to core deposits | 97.9125% | 4,612 |
| Total domestic deposits to total assets | 81.0653% | 5,058 |
| Equity capital to assets | 11.9765% | 2,251 |
| Core capital (leverage) ratio | 11.4196% | 2,114 |
| Tier 1 risk-based capital ratio | 17.0015% | 2,276 |
| Total risk-based capital ratio | 18.2545% | 2,220 |
| Memoranda: | ||
| Average total assets | $67,406,750 | 6,130 |
| Average earning assets | $62,875,250 | 6,076 |
| Average equity | $7,808,250 | 6,045 |
| Average total loans | $47,606,750 | 5,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9693% | 2,304 |
| Cost of funding earning assets | 2.4209% | 1,876 |
| Net interest margin | 3.5484% | 4,580 |
| Noninterest income to average assets | 0.3997% | 5,288 |
| Noninterest expense to average assets | 2.5261% | 6,033 |
| Loan and lease loss provision to assets | 0.1789% | 5,253 |
| Net operating income to assets | 0.9991% | 2,107 |
| Return on assets (ROA) | 0.9991% | 2,203 |
| Pretax return on assets | 1.0081% | 2,979 |
| Return on Equity (ROE) | 8.7259% | 2,459 |
| Retained earnings to average equity (ytd only) | 5.9909% | 2,028 |
| Net charge-offs to loans | 0.2147% | 4,166 |
| Credit loss provision to net charge-offs | 117.6471% | 3,950 |
| Earnings coverage of net charge-offs (x) | 7.8039% | 2,382 |
| Efficiency ratio | 68.0321% | 5,156 |
| Assets per employee ($millions) | 4.2229% | 3,250 |
| Cash dividends to net income (ytd only)* | 31.3433% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,462 |
| Loan loss allowance to noncurrent loans | 107.2643% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5185% | 3,945 |
| Noncurrent loans to loans | 1.3521% | 4,508 |
| Net loans and leases to total assets | 69.7940% | 3,753 |
| Net loans and leases to deposits | 85.1794% | 3,700 |
| Net loans and leases to core deposits | 96.4238% | 4,851 |
| Total domestic deposits to total assets | 81.9377% | 4,715 |
| Equity capital to assets | 11.4999% | 2,542 |
| Core capital (leverage) ratio | 11.4262% | 2,122 |
| Tier 1 risk-based capital ratio | 16.1220% | 2,581 |
| Total risk-based capital ratio | 16.3817% | 2,904 |
| Memoranda: | ||
| Average total assets | $67,058,670 | 6,189 |
| Average earning assets | $62,620,330 | 6,123 |
| Average equity | $7,678,330 | 6,123 |
| Average total loans | $47,505,670 | 5,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 2,533 |
| Cost of funding earning assets | 2.4833% | 1,976 |
| Net interest margin | 3.4753% | 4,826 |
| Noninterest income to average assets | 0.3952% | 5,252 |
| Noninterest expense to average assets | 2.4130% | 6,149 |
| Loan and lease loss provision to assets | 0.1796% | 4,653 |
| Net operating income to assets | 1.0418% | 2,158 |
| Return on assets (ROA) | 1.0418% | 2,289 |
| Pretax return on assets | 1.0538% | 3,162 |
| Return on Equity (ROE) | 9.1189% | 2,660 |
| Retained earnings to average equity (ytd only) | 9.1189% | 1,437 |
| Net charge-offs to loans | 0.3887% | 2,544 |
| Credit loss provision to net charge-offs | 65.2174% | 4,434 |
| Earnings coverage of net charge-offs (x) | 4.4783% | 2,875 |
| Efficiency ratio | 66.1741% | 5,296 |
| Assets per employee ($millions) | 3.9704% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 3,553 |
| Loan loss allowance to noncurrent loans | 71.4744% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 3,867 |
| Noncurrent loans to loans | 1.9459% | 3,347 |
| Net loans and leases to total assets | 70.2742% | 3,612 |
| Net loans and leases to deposits | 86.0416% | 3,623 |
| Net loans and leases to core deposits | 96.8475% | 4,862 |
| Total domestic deposits to total assets | 81.6747% | 4,689 |
| Equity capital to assets | 11.4657% | 2,609 |
| Core capital (leverage) ratio | 11.7357% | 2,027 |
| Tier 1 risk-based capital ratio | 15.7233% | 2,782 |
| Total risk-based capital ratio | 16.9741% | 2,712 |
| Memoranda: | ||
| Average total assets | $66,805,000 | 6,222 |
| Average earning assets | $62,498,500 | 6,155 |
| Average equity | $7,632,500 | 6,178 |
| Average total loans | $47,333,000 | 5,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2754% | 4,093 |
| Cost of funding earning assets | 2.8116% | 2,655 |
| Net interest margin | 3.4637% | 5,425 |
| Noninterest income to average assets | 0.4261% | 5,247 |
| Noninterest expense to average assets | 2.5411% | 5,855 |
| Loan and lease loss provision to assets | 0.1894% | 4,990 |
| Net operating income to assets | 0.6550% | 4,084 |
| Return on assets (ROA) | 0.6550% | 3,934 |
| Pretax return on assets | 0.8981% | 3,729 |
| Return on Equity (ROE) | 5.2693% | 4,253 |
| Retained earnings to average equity (ytd only) | -12.7733% | 7,313 |
| Net charge-offs to loans | 0.2820% | 3,519 |
| Credit loss provision to net charge-offs | 96.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | 5.5120% | 3,622 |
| Efficiency ratio | 70.0304% | 4,345 |
| Assets per employee ($millions) | 4.4075% | 2,778 |
| Cash dividends to net income (ytd only)* | 342.4096% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 2,825 |
| Loan loss allowance to noncurrent loans | 81.9378% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 3,695 |
| Noncurrent loans to loans | 1.7954% | 3,069 |
| Net loans and leases to total assets | 69.3948% | 4,170 |
| Net loans and leases to deposits | 85.7231% | 4,157 |
| Net loans and leases to core deposits | 95.8709% | 5,270 |
| Total domestic deposits to total assets | 80.9523% | 4,660 |
| Equity capital to assets | 11.3835% | 2,713 |
| Core capital (leverage) ratio | 11.9989% | 1,963 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,029 |
| Total risk-based capital ratio | 16.2655% | 2,951 |
| Memoranda: | ||
| Average total assets | $63,358,800 | 6,257 |
| Average earning assets | $58,578,400 | 6,234 |
| Average equity | $7,875,800 | 6,135 |
| Average total loans | $44,329,600 | 5,958 |