Home > Dedicated Community Bank > Performance and Condition Ratios
Dedicated Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 1,733 |
| Cost of funding earning assets | 0.9116% | 3,494 |
| Net interest margin | 4.2529% | 871 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.3867% | 667 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6916% | 3,216 |
| Return on assets (ROA) | 0.6916% | 3,188 |
| Pretax return on assets | 0.8584% | 3,072 |
| Return on Equity (ROE) | 8.9400% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.6312% | 2,014 |
| Net charge-offs to loans | 0.0251% | 1,811 |
| Credit loss provision to net charge-offs | 58.8235% | 2,155 |
| Earnings coverage of net charge-offs (x) | 48.1176% | 1,321 |
| Efficiency ratio | 79.5806% | 940 |
| Assets per employee ($millions) | 4.8661% | 3,731 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,219 |
| Loan loss allowance to noncurrent loans | 200.8451% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 1,442 |
| Noncurrent loans to loans | 0.5066% | 1,515 |
| Net loans and leases to total assets | 75.0200% | 1,241 |
| Net loans and leases to deposits | 84.0114% | 1,779 |
| Net loans and leases to core deposits | 92.9284% | 1,850 |
| Total domestic deposits to total assets | 89.3000% | 977 |
| Equity capital to assets | 8.2289% | 3,260 |
| Core capital (leverage) ratio | 9.1119% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2616% | 2,510 |
| Memoranda: | ||
| Average total assets | $94,132,000 | 3,876 |
| Average earning assets | $87,869,800 | 3,849 |
| Average equity | $7,283,800 | 4,015 |
| Average total loans | $67,678,800 | 3,583 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 1,724 |
| Cost of funding earning assets | 0.7592% | 3,639 |
| Net interest margin | 4.2942% | 808 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.2941% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7657% | 3,119 |
| Return on assets (ROA) | 0.7657% | 3,117 |
| Pretax return on assets | 1.0026% | 2,856 |
| Return on Equity (ROE) | 10.0500% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.9416% | 2,305 |
| Net charge-offs to loans | 0.0099% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 142.2000% | 758 |
| Efficiency ratio | 76.6656% | 1,119 |
| Assets per employee ($millions) | 4.9225% | 3,660 |
| Cash dividends to net income (ytd only)* | 30.9392% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,125 |
| Loan loss allowance to noncurrent loans | 152.9284% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 1,174 |
| Noncurrent loans to loans | 0.6843% | 1,208 |
| Net loans and leases to total assets | 71.2700% | 1,656 |
| Net loans and leases to deposits | 81.3395% | 1,951 |
| Net loans and leases to core deposits | 87.7130% | 2,073 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 7.7796% | 3,193 |
| Core capital (leverage) ratio | 9.0720% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4679% | 2,460 |
| Memoranda: | ||
| Average total assets | $94,551,250 | 3,893 |
| Average earning assets | $88,334,750 | 3,865 |
| Average equity | $7,202,750 | 4,027 |
| Average total loans | $67,080,500 | 3,602 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 1,610 |
| Cost of funding earning assets | 0.6563% | 3,611 |
| Net interest margin | 4.3122% | 792 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 3.2331% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8220% | 3,015 |
| Return on assets (ROA) | 0.8220% | 3,022 |
| Pretax return on assets | 1.0749% | 2,709 |
| Return on Equity (ROE) | 10.8700% | 2,454 |
| Retained earnings to average equity (ytd only) | 6.1853% | 2,555 |
| Net charge-offs to loans | 0.0060% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 502 |
| Efficiency ratio | 75.0489% | 1,250 |
| Assets per employee ($millions) | 4.6996% | 3,824 |
| Cash dividends to net income (ytd only)* | 43.0769% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,121 |
| Loan loss allowance to noncurrent loans | 212.6126% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 1,498 |
| Noncurrent loans to loans | 0.5003% | 1,460 |
| Net loans and leases to total assets | 70.0600% | 1,737 |
| Net loans and leases to deposits | 77.9217% | 2,139 |
| Net loans and leases to core deposits | 82.1153% | 2,328 |
| Total domestic deposits to total assets | 89.9200% | 940 |
| Equity capital to assets | 7.7390% | 3,377 |
| Core capital (leverage) ratio | 8.8819% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4175% | 2,497 |
| Memoranda: | ||
| Average total assets | $94,892,667 | 3,898 |
| Average earning assets | $88,679,333 | 3,879 |
| Average equity | $7,178,333 | 4,051 |
| Average total loans | $66,985,333 | 3,611 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 1,422 |
| Cost of funding earning assets | 0.5839% | 3,424 |
| Net interest margin | 4.3116% | 788 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 3.1633% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8810% | 2,918 |
| Return on assets (ROA) | 0.8810% | 2,875 |
| Pretax return on assets | 1.1453% | 2,587 |
| Return on Equity (ROE) | 11.7800% | 2,276 |
| Retained earnings to average equity (ytd only) | 2.3561% | 3,636 |
| Net charge-offs to loans | 0.0119% | 1,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 642 |
| Efficiency ratio | 73.4177% | 1,395 |
| Assets per employee ($millions) | 4.9138% | 3,721 |
| Cash dividends to net income (ytd only)* | 80.0000% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,341 |
| Loan loss allowance to noncurrent loans | 156.9845% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 1,068 |
| Noncurrent loans to loans | 0.6617% | 1,139 |
| Net loans and leases to total assets | 72.2400% | 1,399 |
| Net loans and leases to deposits | 78.4525% | 1,931 |
| Net loans and leases to core deposits | 82.1845% | 2,107 |
| Total domestic deposits to total assets | 92.0800% | 495 |
| Equity capital to assets | 7.6915% | 3,451 |
| Core capital (leverage) ratio | 8.2580% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8286% | 2,777 |
| Memoranda: | ||
| Average total assets | $95,343,000 | 3,945 |
| Average earning assets | $89,063,000 | 3,927 |
| Average equity | $7,130,500 | 4,105 |
| Average total loans | $67,197,000 | 3,653 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 1,376 |
| Cost of funding earning assets | 0.1876% | 3,854 |
| Net interest margin | 3.9515% | 857 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.1334% | 791 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6144% | 3,850 |
| Return on assets (ROA) | 0.6144% | 3,797 |
| Pretax return on assets | 0.7708% | 3,695 |
| Return on Equity (ROE) | 8.3500% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.3930% | 2,496 |
| Net charge-offs to loans | 0.0063% | 2,180 |
| Credit loss provision to net charge-offs | 1,875.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 203.5000% | 640 |
| Efficiency ratio | 78.6799% | 809 |
| Assets per employee ($millions) | 5.1223% | 3,576 |
| Cash dividends to net income (ytd only)* | 23.4295% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,269 |
| Loan loss allowance to noncurrent loans | 146.2039% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 1,068 |
| Noncurrent loans to loans | 0.6960% | 1,076 |
| Net loans and leases to total assets | 67.3700% | 1,897 |
| Net loans and leases to deposits | 72.7979% | 2,345 |
| Net loans and leases to core deposits | 74.7867% | 2,511 |
| Total domestic deposits to total assets | 92.5400% | 512 |
| Equity capital to assets | 7.2747% | 3,503 |
| Core capital (leverage) ratio | 8.3329% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1104% | 2,700 |
| Memoranda: | ||
| Average total assets | $95,869,800 | 3,962 |
| Average earning assets | $89,536,000 | 3,935 |
| Average equity | $7,054,600 | 4,205 |
| Average total loans | $63,208,200 | 3,679 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 1,396 |
| Cost of funding earning assets | 0.1435% | 3,907 |
| Net interest margin | 3.7898% | 962 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 3.0001% | 904 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.6059% | 3,823 |
| Return on assets (ROA) | 0.6059% | 3,779 |
| Pretax return on assets | 0.7483% | 3,696 |
| Return on Equity (ROE) | 8.2100% | 3,267 |
| Retained earnings to average equity (ytd only) | 5.5994% | 2,892 |
| Net charge-offs to loans | 0.0107% | 1,716 |
| Credit loss provision to net charge-offs | 1,340.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 120.6000% | 843 |
| Efficiency ratio | 78.0887% | 905 |
| Assets per employee ($millions) | 5.0569% | 3,628 |
| Cash dividends to net income (ytd only)* | 31.7972% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,453 |
| Loan loss allowance to noncurrent loans | 120.4710% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 919 |
| Noncurrent loans to loans | 0.8342% | 941 |
| Net loans and leases to total assets | 68.1800% | 1,659 |
| Net loans and leases to deposits | 73.5280% | 2,089 |
| Net loans and leases to core deposits | 74.9060% | 2,283 |
| Total domestic deposits to total assets | 92.7300% | 652 |
| Equity capital to assets | 7.1210% | 3,442 |
| Core capital (leverage) ratio | 8.1546% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6938% | 2,894 |
| Memoranda: | ||
| Average total assets | $95,506,500 | 3,992 |
| Average earning assets | $89,219,750 | 3,966 |
| Average equity | $7,048,250 | 4,248 |
| Average total loans | $62,450,750 | 3,710 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 1,522 |
| Cost of funding earning assets | 0.1481% | 3,602 |
| Net interest margin | 3.5576% | 1,165 |
| Noninterest income to average assets | 0.2854% | 3,466 |
| Noninterest expense to average assets | 2.9733% | 876 |
| Loan and lease loss provision to assets | 0.0336% | 1,980 |
| Net operating income to assets | 0.4868% | 3,929 |
| Return on assets (ROA) | 0.4868% | 3,877 |
| Pretax return on assets | 0.6043% | 3,808 |
| Return on Equity (ROE) | 6.5196% | 3,443 |
| Retained earnings to average equity (ytd only) | 2.6416% | 3,565 |
| Net charge-offs to loans | 0.0196% | 1,345 |
| Credit loss provision to net charge-offs | 266.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 1,153 |
| Efficiency ratio | 82.3359% | 775 |
| Assets per employee ($millions) | 5.4153% | 3,310 |
| Cash dividends to net income (ytd only)* | 59.4828% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,719 |
| Loan loss allowance to noncurrent loans | 102.8523% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 910 |
| Noncurrent loans to loans | 0.9442% | 887 |
| Net loans and leases to total assets | 64.1245% | 1,901 |
| Net loans and leases to deposits | 69.0453% | 2,300 |
| Net loans and leases to core deposits | 70.3026% | 2,471 |
| Total domestic deposits to total assets | 92.8731% | 548 |
| Equity capital to assets | 7.0448% | 3,743 |
| Core capital (leverage) ratio | 7.9827% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6741% | 2,890 |
| Memoranda: | ||
| Average total assets | $95,314,667 | 4,033 |
| Average earning assets | $89,106,000 | 4,021 |
| Average equity | $7,117,000 | 4,305 |
| Average total loans | $61,209,667 | 3,768 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 1,354 |
| Cost of funding earning assets | 0.1544% | 3,440 |
| Net interest margin | 3.5100% | 1,072 |
| Noninterest income to average assets | 0.2802% | 3,457 |
| Noninterest expense to average assets | 2.9926% | 830 |
| Loan and lease loss provision to assets | 0.0127% | 2,111 |
| Net operating income to assets | 0.4499% | 3,842 |
| Return on assets (ROA) | 0.4499% | 3,808 |
| Pretax return on assets | 0.5561% | 3,737 |
| Return on Equity (ROE) | 5.8547% | 3,386 |
| Retained earnings to average equity (ytd only) | -1.7675% | 4,227 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0286% | 847 |
| Assets per employee ($millions) | 5.3880% | 3,405 |
| Cash dividends to net income (ytd only)* | 130.1887% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,722 |
| Loan loss allowance to noncurrent loans | 132.0261% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,286 |
| Noncurrent loans to loans | 0.7587% | 1,255 |
| Net loans and leases to total assets | 61.7535% | 1,890 |
| Net loans and leases to deposits | 66.6960% | 2,273 |
| Net loans and leases to core deposits | 67.9206% | 2,461 |
| Total domestic deposits to total assets | 92.5895% | 382 |
| Equity capital to assets | 7.2796% | 4,060 |
| Core capital (leverage) ratio | 7.9031% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2222% | 2,845 |
| Memoranda: | ||
| Average total assets | $94,234,000 | 4,057 |
| Average earning assets | $88,090,000 | 4,042 |
| Average equity | $7,242,000 | 4,341 |
| Average total loans | $60,255,000 | 3,790 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 961 |
| Cost of funding earning assets | 0.2292% | 3,145 |
| Net interest margin | 3.9918% | 724 |
| Noninterest income to average assets | 0.2546% | 3,853 |
| Noninterest expense to average assets | 3.1784% | 750 |
| Loan and lease loss provision to assets | 0.1763% | 654 |
| Net operating income to assets | 0.4921% | 4,112 |
| Return on assets (ROA) | 0.4931% | 4,150 |
| Pretax return on assets | 0.6129% | 4,086 |
| Return on Equity (ROE) | 5.9030% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.9997% | 3,220 |
| Net charge-offs to loans | 0.0164% | 1,967 |
| Credit loss provision to net charge-offs | 1,530.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 1,091 |
| Efficiency ratio | 80.1336% | 795 |
| Assets per employee ($millions) | 5.3814% | 3,379 |
| Cash dividends to net income (ytd only)* | 32.2430% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,727 |
| Loan loss allowance to noncurrent loans | 129.9569% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 1,312 |
| Noncurrent loans to loans | 0.7732% | 1,319 |
| Net loans and leases to total assets | 64.9403% | 1,590 |
| Net loans and leases to deposits | 70.9721% | 2,024 |
| Net loans and leases to core deposits | 72.3709% | 2,226 |
| Total domestic deposits to total assets | 91.5012% | 314 |
| Equity capital to assets | 8.1151% | 4,294 |
| Core capital (leverage) ratio | 8.4589% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6638% | 2,731 |
| Memoranda: | ||
| Average total assets | $86,805,800 | 4,136 |
| Average earning assets | $80,715,600 | 4,123 |
| Average equity | $7,250,600 | 4,400 |
| Average total loans | $60,795,400 | 3,801 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 970 |
| Cost of funding earning assets | 0.2564% | 3,054 |
| Net interest margin | 4.0320% | 744 |
| Noninterest income to average assets | 0.2429% | 3,942 |
| Noninterest expense to average assets | 3.1933% | 721 |
| Loan and lease loss provision to assets | 0.1915% | 548 |
| Net operating income to assets | 0.4861% | 4,233 |
| Return on assets (ROA) | 0.4873% | 4,275 |
| Pretax return on assets | 0.6056% | 4,223 |
| Return on Equity (ROE) | 5.7903% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.2374% | 3,816 |
| Net charge-offs to loans | 0.0284% | 1,483 |
| Credit loss provision to net charge-offs | 946.1538% | 528 |
| Earnings coverage of net charge-offs (x) | 39.3077% | 1,377 |
| Efficiency ratio | 80.0546% | 738 |
| Assets per employee ($millions) | 4.9019% | 3,795 |
| Cash dividends to net income (ytd only)* | 44.0895% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,966 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 1,025 |
| Noncurrent loans to loans | 1.0144% | 1,133 |
| Net loans and leases to total assets | 70.2915% | 1,054 |
| Net loans and leases to deposits | 77.4610% | 1,529 |
| Net loans and leases to core deposits | 79.1236% | 1,807 |
| Total domestic deposits to total assets | 90.7444% | 453 |
| Equity capital to assets | 8.8224% | 3,983 |
| Core capital (leverage) ratio | 9.5745% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5277% | 2,853 |
| Memoranda: | ||
| Average total assets | $85,636,250 | 4,198 |
| Average earning assets | $79,562,250 | 4,190 |
| Average equity | $7,207,250 | 4,468 |
| Average total loans | $60,991,000 | 3,851 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 1,514 |
| Cost of funding earning assets | 0.2914% | 2,861 |
| Net interest margin | 3.7329% | 1,262 |
| Noninterest income to average assets | 0.1968% | 4,214 |
| Noninterest expense to average assets | 3.0438% | 914 |
| Loan and lease loss provision to assets | 0.2361% | 429 |
| Net operating income to assets | 0.3106% | 4,513 |
| Return on assets (ROA) | 0.3125% | 4,535 |
| Pretax return on assets | 0.3889% | 4,512 |
| Return on Equity (ROE) | 3.7715% | 4,370 |
| Retained earnings to average equity (ytd only) | -0.0838% | 4,522 |
| Net charge-offs to loans | 0.0357% | 1,286 |
| Credit loss provision to net charge-offs | 927.2727% | 495 |
| Earnings coverage of net charge-offs (x) | 24.4545% | 1,434 |
| Efficiency ratio | 83.0177% | 612 |
| Assets per employee ($millions) | 4.4777% | 4,116 |
| Cash dividends to net income (ytd only)* | 102.2222% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,014 |
| Loan loss allowance to noncurrent loans | 89.1586% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 1,072 |
| Noncurrent loans to loans | 1.0600% | 1,150 |
| Net loans and leases to total assets | 71.6535% | 1,008 |
| Net loans and leases to deposits | 78.8908% | 1,532 |
| Net loans and leases to core deposits | 80.3607% | 1,858 |
| Total domestic deposits to total assets | 90.8262% | 427 |
| Equity capital to assets | 8.8996% | 3,891 |
| Core capital (leverage) ratio | 8.9880% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1872% | 2,650 |
| Memoranda: | ||
| Average total assets | $86,404,000 | 4,213 |
| Average earning assets | $80,313,333 | 4,200 |
| Average equity | $7,159,000 | 4,495 |
| Average total loans | $61,606,000 | 3,871 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 1,624 |
| Cost of funding earning assets | 0.2936% | 3,062 |
| Net interest margin | 3.7009% | 1,329 |
| Noninterest income to average assets | 0.0403% | 4,869 |
| Noninterest expense to average assets | 2.8710% | 1,213 |
| Loan and lease loss provision to assets | 0.3359% | 253 |
| Net operating income to assets | 0.2204% | 4,620 |
| Return on assets (ROA) | 0.2239% | 4,640 |
| Pretax return on assets | 0.2822% | 4,618 |
| Return on Equity (ROE) | 2.7964% | 4,507 |
| Retained earnings to average equity (ytd only) | -4.9217% | 4,698 |
| Net charge-offs to loans | 0.0506% | 998 |
| Credit loss provision to net charge-offs | 937.5000% | 430 |
| Earnings coverage of net charge-offs (x) | 17.1250% | 1,304 |
| Efficiency ratio | 82.3907% | 682 |
| Assets per employee ($millions) | 5.2214% | 3,410 |
| Cash dividends to net income (ytd only)* | 276.0000% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 4,354 |
| Loan loss allowance to noncurrent loans | 82.3713% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 1,374 |
| Noncurrent loans to loans | 1.0001% | 1,342 |
| Net loans and leases to total assets | 67.6324% | 1,580 |
| Net loans and leases to deposits | 77.3899% | 1,771 |
| Net loans and leases to core deposits | 79.2680% | 2,070 |
| Total domestic deposits to total assets | 87.3917% | 2,141 |
| Equity capital to assets | 7.5522% | 4,691 |
| Core capital (leverage) ratio | 10.0730% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2948% | 3,041 |
| Memoranda: | ||
| Average total assets | $89,306,500 | 4,195 |
| Average earning assets | $83,115,000 | 4,176 |
| Average equity | $7,152,000 | 4,513 |
| Average total loans | $63,257,500 | 3,862 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 736 |
| Cost of funding earning assets | 0.4302% | 3,406 |
| Net interest margin | 4.3740% | 428 |
| Noninterest income to average assets | 0.3432% | 3,410 |
| Noninterest expense to average assets | 3.3210% | 884 |
| Loan and lease loss provision to assets | 0.2377% | 1,637 |
| Net operating income to assets | 0.6952% | 3,450 |
| Return on assets (ROA) | 0.6952% | 3,580 |
| Pretax return on assets | 0.8553% | 3,493 |
| Return on Equity (ROE) | 7.8934% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.1329% | 1,740 |
| Net charge-offs to loans | 0.0070% | 3,092 |
| Credit loss provision to net charge-offs | 4,675.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 446 |
| Efficiency ratio | 75.2375% | 1,311 |
| Assets per employee ($millions) | 4.7015% | 3,715 |
| Cash dividends to net income (ytd only)* | 22.3035% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,530 |
| Loan loss allowance to noncurrent loans | 76.5391% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 1,465 |
| Noncurrent loans to loans | 0.9628% | 1,466 |
| Net loans and leases to total assets | 73.2178% | 1,127 |
| Net loans and leases to deposits | 90.5440% | 886 |
| Net loans and leases to core deposits | 92.8409% | 1,318 |
| Total domestic deposits to total assets | 80.8643% | 3,898 |
| Equity capital to assets | 8.5150% | 4,431 |
| Core capital (leverage) ratio | 10.4511% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9189% | 2,659 |
| Memoranda: | ||
| Average total assets | $78,682,200 | 4,257 |
| Average earning assets | $73,229,000 | 4,250 |
| Average equity | $6,929,800 | 4,535 |
| Average total loans | $57,165,800 | 3,961 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 875 |
| Cost of funding earning assets | 0.4756% | 3,389 |
| Net interest margin | 4.3288% | 555 |
| Noninterest income to average assets | 0.3506% | 3,363 |
| Noninterest expense to average assets | 3.2902% | 919 |
| Loan and lease loss provision to assets | 0.1930% | 2,048 |
| Net operating income to assets | 0.7530% | 3,275 |
| Return on assets (ROA) | 0.7530% | 3,382 |
| Pretax return on assets | 0.9068% | 3,367 |
| Return on Equity (ROE) | 8.4731% | 2,611 |
| Retained earnings to average equity (ytd only) | 6.1022% | 2,060 |
| Net charge-offs to loans | 0.0167% | 2,535 |
| Credit loss provision to net charge-offs | 1,600.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 842 |
| Efficiency ratio | 74.9410% | 1,307 |
| Assets per employee ($millions) | 4.6947% | 3,605 |
| Cash dividends to net income (ytd only)* | 27.9817% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 4,705 |
| Loan loss allowance to noncurrent loans | 60.6349% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 1,560 |
| Noncurrent loans to loans | 1.0177% | 1,468 |
| Net loans and leases to total assets | 72.8004% | 1,537 |
| Net loans and leases to deposits | 90.9911% | 1,161 |
| Net loans and leases to core deposits | 93.3238% | 1,686 |
| Total domestic deposits to total assets | 80.0083% | 3,868 |
| Equity capital to assets | 8.3971% | 4,521 |
| Core capital (leverage) ratio | 10.8587% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4287% | 3,044 |
| Memoranda: | ||
| Average total assets | $77,196,000 | 4,285 |
| Average earning assets | $72,043,500 | 4,275 |
| Average equity | $6,860,750 | 4,562 |
| Average total loans | $55,851,750 | 4,004 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 1,036 |
| Cost of funding earning assets | 0.5544% | 3,214 |
| Net interest margin | 4.3058% | 744 |
| Noninterest income to average assets | 0.3638% | 3,303 |
| Noninterest expense to average assets | 3.3681% | 898 |
| Loan and lease loss provision to assets | 0.1124% | 2,891 |
| Net operating income to assets | 0.7410% | 3,238 |
| Return on assets (ROA) | 0.7410% | 3,363 |
| Pretax return on assets | 0.8935% | 3,328 |
| Return on Equity (ROE) | 8.1683% | 2,679 |
| Retained earnings to average equity (ytd only) | 4.5707% | 2,667 |
| Net charge-offs to loans | 0.0149% | 2,447 |
| Credit loss provision to net charge-offs | 1,050.0000% | 764 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 723 |
| Efficiency ratio | 77.0031% | 1,156 |
| Assets per employee ($millions) | 5.0262% | 3,144 |
| Cash dividends to net income (ytd only)* | 44.0433% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5110% | 4,822 |
| Loan loss allowance to noncurrent loans | 56.5530% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 1,865 |
| Noncurrent loans to loans | 0.9035% | 1,695 |
| Net loans and leases to total assets | 71.7787% | 1,756 |
| Net loans and leases to deposits | 90.5670% | 1,300 |
| Net loans and leases to core deposits | 93.6424% | 1,778 |
| Total domestic deposits to total assets | 79.2547% | 3,987 |
| Equity capital to assets | 8.1361% | 4,659 |
| Core capital (leverage) ratio | 10.0463% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,759,667 | 4,326 |
| Average earning assets | $69,626,667 | 4,320 |
| Average equity | $6,782,333 | 4,594 |
| Average total loans | $53,835,000 | 4,063 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 1,173 |
| Cost of funding earning assets | 0.6665% | 3,079 |
| Net interest margin | 4.2422% | 844 |
| Noninterest income to average assets | 0.4034% | 3,073 |
| Noninterest expense to average assets | 3.5669% | 850 |
| Loan and lease loss provision to assets | 0.0691% | 2,886 |
| Net operating income to assets | 0.5762% | 3,670 |
| Return on assets (ROA) | 0.5762% | 3,732 |
| Pretax return on assets | 0.6915% | 3,709 |
| Return on Equity (ROE) | 5.9724% | 3,328 |
| Retained earnings to average equity (ytd only) | -1.3139% | 4,178 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4234% | 945 |
| Assets per employee ($millions) | 3.8837% | 4,072 |
| Cash dividends to net income (ytd only)* | 122.0000% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 4,806 |
| Loan loss allowance to noncurrent loans | 805.5556% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,337 |
| Noncurrent loans to loans | 0.0705% | 4,241 |
| Net loans and leases to total assets | 72.6551% | 1,831 |
| Net loans and leases to deposits | 83.3295% | 2,302 |
| Net loans and leases to core deposits | 87.2728% | 2,577 |
| Total domestic deposits to total assets | 87.1901% | 1,474 |
| Equity capital to assets | 9.6242% | 4,110 |
| Core capital (leverage) ratio | 9.5358% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3124% | 2,568 |
| Memoranda: | ||
| Average total assets | $69,416,500 | 4,423 |
| Average earning assets | $64,211,500 | 4,416 |
| Average equity | $6,697,500 | 4,633 |
| Average total loans | $49,929,000 | 4,152 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 2,131 |
| Cost of funding earning assets | 0.8270% | 2,542 |
| Net interest margin | 3.9454% | 2,016 |
| Noninterest income to average assets | 0.3799% | 3,424 |
| Noninterest expense to average assets | 3.3482% | 1,210 |
| Loan and lease loss provision to assets | 0.0171% | 3,677 |
| Net operating income to assets | 0.5844% | 4,209 |
| Return on assets (ROA) | 0.5820% | 4,270 |
| Pretax return on assets | 0.6844% | 4,242 |
| Return on Equity (ROE) | 6.4004% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.4913% | 2,712 |
| Net charge-offs to loans | 0.0890% | 1,844 |
| Credit loss provision to net charge-offs | 28.5714% | 3,280 |
| Earnings coverage of net charge-offs (x) | 11.7857% | 2,463 |
| Efficiency ratio | 82.6194% | 761 |
| Assets per employee ($millions) | 4.3079% | 3,495 |
| Cash dividends to net income (ytd only)* | 29.8289% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 4,793 |
| Loan loss allowance to noncurrent loans | 751.3514% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,362 |
| Noncurrent loans to loans | 0.0759% | 4,223 |
| Net loans and leases to total assets | 70.3639% | 2,337 |
| Net loans and leases to deposits | 78.3177% | 2,972 |
| Net loans and leases to core deposits | 81.9489% | 3,126 |
| Total domestic deposits to total assets | 89.8442% | 371 |
| Equity capital to assets | 9.6727% | 4,202 |
| Core capital (leverage) ratio | 9.5607% | 3,999 |
| Tier 1 risk-based capital ratio | 12.9791% | 3,800 |
| Total risk-based capital ratio | 13.5190% | 4,076 |
| Memoranda: | ||
| Average total assets | $70,276,800 | 4,425 |
| Average earning assets | $65,418,400 | 4,413 |
| Average equity | $6,390,200 | 4,709 |
| Average total loans | $47,208,600 | 4,234 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 2,291 |
| Cost of funding earning assets | 0.8451% | 2,490 |
| Net interest margin | 3.8970% | 2,266 |
| Noninterest income to average assets | 0.4135% | 3,237 |
| Noninterest expense to average assets | 3.3911% | 1,112 |
| Loan and lease loss provision to assets | 0.0170% | 3,573 |
| Net operating income to assets | 0.4701% | 4,584 |
| Return on assets (ROA) | 0.4701% | 4,621 |
| Pretax return on assets | 0.6363% | 4,477 |
| Return on Equity (ROE) | 5.2522% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.6788% | 4,019 |
| Net charge-offs to loans | 0.0741% | 1,762 |
| Credit loss provision to net charge-offs | 34.6154% | 2,889 |
| Earnings coverage of net charge-offs (x) | 13.3060% | 2,304 |
| Efficiency ratio | 83.8469% | 626 |
| Assets per employee ($millions) | 4.1703% | 3,665 |
| Cash dividends to net income (ytd only)* | 48.9955% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 4,828 |
| Loan loss allowance to noncurrent loans | 224.8062% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,849 |
| Noncurrent loans to loans | 0.2658% | 3,595 |
| Net loans and leases to total assets | 68.0429% | 2,782 |
| Net loans and leases to deposits | 77.0751% | 3,194 |
| Net loans and leases to core deposits | 80.9406% | 3,315 |
| Total domestic deposits to total assets | 88.2813% | 922 |
| Equity capital to assets | 9.1572% | 4,693 |
| Core capital (leverage) ratio | 9.1060% | 4,550 |
| Tier 1 risk-based capital ratio | 13.1646% | 3,754 |
| Total risk-based capital ratio | 13.7499% | 4,017 |
| Memoranda: | ||
| Average total assets | $70,614,500 | 4,474 |
| Average earning assets | $65,792,500 | 4,463 |
| Average equity | $6,321,000 | 4,781 |
| Average total loans | $46,816,500 | 4,292 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 2,434 |
| Cost of funding earning assets | 0.8469% | 2,411 |
| Net interest margin | 3.8291% | 2,483 |
| Noninterest income to average assets | 0.3999% | 3,272 |
| Noninterest expense to average assets | 3.3011% | 1,283 |
| Loan and lease loss provision to assets | 0.0170% | 3,451 |
| Net operating income to assets | 0.4793% | 4,572 |
| Return on assets (ROA) | 0.4793% | 4,606 |
| Pretax return on assets | 0.6466% | 4,456 |
| Return on Equity (ROE) | 5.3959% | 4,239 |
| Retained earnings to average equity (ytd only) | 1.5006% | 4,289 |
| Net charge-offs to loans | 0.0173% | 2,534 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 994 |
| Efficiency ratio | 83.2618% | 710 |
| Assets per employee ($millions) | 4.1934% | 3,584 |
| Cash dividends to net income (ytd only)* | 72.1893% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6434% | 4,803 |
| Loan loss allowance to noncurrent loans | 200.6494% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 3,709 |
| Noncurrent loans to loans | 0.3207% | 3,383 |
| Net loans and leases to total assets | 66.9369% | 2,975 |
| Net loans and leases to deposits | 78.7504% | 3,088 |
| Net loans and leases to core deposits | 82.8222% | 3,214 |
| Total domestic deposits to total assets | 84.9989% | 2,483 |
| Equity capital to assets | 8.9819% | 4,807 |
| Core capital (leverage) ratio | 9.0693% | 4,574 |
| Tier 1 risk-based capital ratio | 13.6144% | 3,521 |
| Total risk-based capital ratio | 14.2694% | 3,732 |
| Memoranda: | ||
| Average total assets | $70,521,000 | 4,510 |
| Average earning assets | $65,654,670 | 4,502 |
| Average equity | $6,264,000 | 4,817 |
| Average total loans | $46,245,670 | 4,334 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 2,443 |
| Cost of funding earning assets | 0.8224% | 2,410 |
| Net interest margin | 3.8053% | 2,506 |
| Noninterest income to average assets | 0.4163% | 3,070 |
| Noninterest expense to average assets | 3.3306% | 1,227 |
| Loan and lease loss provision to assets | 0.0171% | 3,215 |
| Net operating income to assets | 0.4505% | 4,639 |
| Return on assets (ROA) | 0.4505% | 4,657 |
| Pretax return on assets | 0.6045% | 4,506 |
| Return on Equity (ROE) | 5.1013% | 4,298 |
| Retained earnings to average equity (ytd only) | -2.7767% | 4,803 |
| Net charge-offs to loans | -0.0088% | 4,184 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2713% | 692 |
| Assets per employee ($millions) | 4.1989% | 3,629 |
| Cash dividends to net income (ytd only)* | 154.4304% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 4,792 |
| Loan loss allowance to noncurrent loans | 195.5975% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 3,530 |
| Noncurrent loans to loans | 0.3530% | 3,314 |
| Net loans and leases to total assets | 62.6601% | 3,439 |
| Net loans and leases to deposits | 74.6225% | 3,393 |
| Net loans and leases to core deposits | 78.5074% | 3,483 |
| Total domestic deposits to total assets | 83.9693% | 3,054 |
| Equity capital to assets | 8.6955% | 4,882 |
| Core capital (leverage) ratio | 9.0906% | 4,582 |
| Tier 1 risk-based capital ratio | 13.7456% | 3,474 |
| Total risk-based capital ratio | 14.4186% | 3,702 |
| Memoranda: | ||
| Average total assets | $70,137,500 | 4,570 |
| Average earning assets | $65,172,500 | 4,558 |
| Average equity | $6,194,500 | 4,866 |
| Average total loans | $45,355,000 | 4,402 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 2,026 |
| Cost of funding earning assets | 0.5908% | 2,788 |
| Net interest margin | 4.0477% | 1,838 |
| Noninterest income to average assets | 0.4386% | 3,180 |
| Noninterest expense to average assets | 3.3369% | 1,245 |
| Loan and lease loss provision to assets | 0.0445% | 3,297 |
| Net operating income to assets | 0.6668% | 4,240 |
| Return on assets (ROA) | 0.6668% | 4,250 |
| Pretax return on assets | 0.8135% | 4,134 |
| Return on Equity (ROE) | 7.5329% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.8757% | 2,252 |
| Net charge-offs to loans | 0.0723% | 2,085 |
| Credit loss provision to net charge-offs | 90.9091% | 2,706 |
| Earnings coverage of net charge-offs (x) | 17.5455% | 2,188 |
| Efficiency ratio | 79.5479% | 997 |
| Assets per employee ($millions) | 4.0525% | 3,824 |
| Cash dividends to net income (ytd only)* | 22.0000% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 4,864 |
| Loan loss allowance to noncurrent loans | 255.8333% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 3,709 |
| Noncurrent loans to loans | 0.2627% | 3,633 |
| Net loans and leases to total assets | 65.8470% | 3,154 |
| Net loans and leases to deposits | 78.9832% | 3,054 |
| Net loans and leases to core deposits | 83.2688% | 3,154 |
| Total domestic deposits to total assets | 83.3684% | 3,205 |
| Equity capital to assets | 8.9733% | 4,602 |
| Core capital (leverage) ratio | 9.2608% | 4,388 |
| Tier 1 risk-based capital ratio | 13.7647% | 3,411 |
| Total risk-based capital ratio | 14.4253% | 3,628 |
| Memoranda: | ||
| Average total assets | $67,488,200 | 4,622 |
| Average earning assets | $62,627,800 | 4,618 |
| Average equity | $5,973,800 | 4,905 |
| Average total loans | $45,644,600 | 4,416 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 2,025 |
| Cost of funding earning assets | 0.5222% | 3,043 |
| Net interest margin | 4.0617% | 1,754 |
| Noninterest income to average assets | 0.4389% | 3,237 |
| Noninterest expense to average assets | 3.2967% | 1,309 |
| Loan and lease loss provision to assets | 0.0536% | 2,899 |
| Net operating income to assets | 0.7090% | 4,195 |
| Return on assets (ROA) | 0.7090% | 4,205 |
| Pretax return on assets | 0.8579% | 4,148 |
| Return on Equity (ROE) | 8.0380% | 3,534 |
| Retained earnings to average equity (ytd only) | 5.8089% | 2,751 |
| Net charge-offs to loans | 0.0847% | 1,664 |
| Credit loss provision to net charge-offs | 93.1034% | 2,383 |
| Earnings coverage of net charge-offs (x) | 15.8257% | 2,198 |
| Efficiency ratio | 78.3388% | 1,086 |
| Assets per employee ($millions) | 4.0351% | 3,825 |
| Cash dividends to net income (ytd only)* | 27.7317% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 4,962 |
| Loan loss allowance to noncurrent loans | 250.4065% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,801 |
| Noncurrent loans to loans | 0.2614% | 3,749 |
| Net loans and leases to total assets | 68.1381% | 2,911 |
| Net loans and leases to deposits | 83.3764% | 2,669 |
| Net loans and leases to core deposits | 87.5904% | 2,868 |
| Total domestic deposits to total assets | 81.7234% | 3,683 |
| Equity capital to assets | 8.7614% | 4,747 |
| Core capital (leverage) ratio | 9.2534% | 4,455 |
| Tier 1 risk-based capital ratio | 12.1220% | 4,431 |
| Total risk-based capital ratio | 12.7141% | 4,692 |
| Memoranda: | ||
| Average total assets | $67,137,000 | 4,680 |
| Average earning assets | $62,304,500 | 4,671 |
| Average equity | $5,921,750 | 4,961 |
| Average total loans | $45,638,000 | 4,465 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 1,958 |
| Cost of funding earning assets | 0.4402% | 3,428 |
| Net interest margin | 4.1005% | 1,560 |
| Noninterest income to average assets | 0.4471% | 3,171 |
| Noninterest expense to average assets | 3.2858% | 1,353 |
| Loan and lease loss provision to assets | 0.0540% | 2,828 |
| Net operating income to assets | 0.7652% | 3,974 |
| Return on assets (ROA) | 0.7652% | 3,981 |
| Pretax return on assets | 0.9092% | 3,936 |
| Return on Equity (ROE) | 8.6553% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.2950% | 2,936 |
| Net charge-offs to loans | 0.0399% | 2,061 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 1,377 |
| Efficiency ratio | 77.3305% | 1,270 |
| Assets per employee ($millions) | 4.2794% | 3,455 |
| Cash dividends to net income (ytd only)* | 38.8235% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 4,971 |
| Loan loss allowance to noncurrent loans | 354.4444% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 4,340 |
| Noncurrent loans to loans | 0.1934% | 4,035 |
| Net loans and leases to total assets | 67.5040% | 2,944 |
| Net loans and leases to deposits | 82.4356% | 2,722 |
| Net loans and leases to core deposits | 86.5851% | 2,865 |
| Total domestic deposits to total assets | 81.8870% | 3,754 |
| Equity capital to assets | 8.6534% | 4,840 |
| Core capital (leverage) ratio | 9.3339% | 4,323 |
| Tier 1 risk-based capital ratio | 12.1886% | 4,379 |
| Total risk-based capital ratio | 12.8154% | 4,642 |
| Memoranda: | ||
| Average total assets | $66,650,670 | 4,745 |
| Average earning assets | $61,797,000 | 4,734 |
| Average equity | $5,892,330 | 5,017 |
| Average total loans | $45,168,000 | 4,519 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 1,565 |
| Cost of funding earning assets | 0.3485% | 4,003 |
| Net interest margin | 4.2539% | 1,037 |
| Noninterest income to average assets | 0.4137% | 3,362 |
| Noninterest expense to average assets | 3.3100% | 1,331 |
| Loan and lease loss provision to assets | 0.0548% | 2,671 |
| Net operating income to assets | 0.8762% | 3,384 |
| Return on assets (ROA) | 0.8762% | 3,401 |
| Pretax return on assets | 0.9857% | 3,586 |
| Return on Equity (ROE) | 9.8026% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.0633% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0839% | 1,585 |
| Assets per employee ($millions) | 4.1750% | 3,691 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,002 |
| Loan loss allowance to noncurrent loans | 38.2494% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 1,198 |
| Noncurrent loans to loans | 1.8660% | 881 |
| Net loans and leases to total assets | 66.4311% | 2,973 |
| Net loans and leases to deposits | 78.1405% | 3,005 |
| Net loans and leases to core deposits | 82.3868% | 3,111 |
| Total domestic deposits to total assets | 85.0150% | 2,925 |
| Equity capital to assets | 8.7500% | 4,781 |
| Core capital (leverage) ratio | 9.3269% | 4,285 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,441 |
| Total risk-based capital ratio | 12.8308% | 4,709 |
| Memoranda: | ||
| Average total assets | $65,741,000 | 4,823 |
| Average earning assets | $60,838,500 | 4,806 |
| Average equity | $5,876,000 | 5,073 |
| Average total loans | $44,482,500 | 4,582 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,424 |
| Cost of funding earning assets | 0.3421% | 3,779 |
| Net interest margin | 3.9284% | 1,998 |
| Noninterest income to average assets | 0.3883% | 3,713 |
| Noninterest expense to average assets | 3.4795% | 1,069 |
| Loan and lease loss provision to assets | 0.0229% | 3,841 |
| Net operating income to assets | 0.4340% | 4,575 |
| Return on assets (ROA) | 0.4204% | 4,648 |
| Pretax return on assets | 0.5718% | 4,802 |
| Return on Equity (ROE) | 4.7383% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.8940% | 2,871 |
| Net charge-offs to loans | 0.0244% | 3,320 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 40.1000% | 1,261 |
| Efficiency ratio | 85.0205% | 699 |
| Assets per employee ($millions) | 3.8048% | 4,274 |
| Cash dividends to net income (ytd only)* | 17.8182% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 5,072 |
| Loan loss allowance to noncurrent loans | 352.2727% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,283 |
| Noncurrent loans to loans | 0.1988% | 4,117 |
| Net loans and leases to total assets | 67.9633% | 2,823 |
| Net loans and leases to deposits | 74.9774% | 3,432 |
| Net loans and leases to core deposits | 78.9030% | 3,509 |
| Total domestic deposits to total assets | 90.6450% | 353 |
| Equity capital to assets | 9.1324% | 4,593 |
| Core capital (leverage) ratio | 9.1072% | 4,513 |
| Tier 1 risk-based capital ratio | 13.4949% | 3,628 |
| Total risk-based capital ratio | 14.1869% | 3,847 |
| Memoranda: | ||
| Average total assets | $65,412,600 | 4,860 |
| Average earning assets | $61,679,800 | 4,826 |
| Average equity | $5,803,800 | 5,130 |
| Average total loans | $40,988,600 | 4,702 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 2,822 |
| Cost of funding earning assets | 0.3430% | 3,739 |
| Net interest margin | 3.8011% | 2,390 |
| Noninterest income to average assets | 0.3842% | 3,787 |
| Noninterest expense to average assets | 3.4900% | 1,010 |
| Loan and lease loss provision to assets | 0.0122% | 3,901 |
| Net operating income to assets | 0.4207% | 4,956 |
| Return on assets (ROA) | 0.4207% | 4,983 |
| Pretax return on assets | 0.4858% | 5,056 |
| Return on Equity (ROE) | 4.7766% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.6459% | 3,756 |
| Net charge-offs to loans | 0.0365% | 2,709 |
| Credit loss provision to net charge-offs | 54.5455% | 2,862 |
| Earnings coverage of net charge-offs (x) | 22.2672% | 1,872 |
| Efficiency ratio | 87.5127% | 537 |
| Assets per employee ($millions) | 3.9694% | 4,039 |
| Cash dividends to net income (ytd only)* | 23.6711% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 5,179 |
| Loan loss allowance to noncurrent loans | 340.9091% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 4,460 |
| Noncurrent loans to loans | 0.2000% | 4,285 |
| Net loans and leases to total assets | 64.7579% | 3,289 |
| Net loans and leases to deposits | 71.1277% | 3,859 |
| Net loans and leases to core deposits | 75.3076% | 3,864 |
| Total domestic deposits to total assets | 91.0446% | 176 |
| Equity capital to assets | 8.7524% | 5,116 |
| Core capital (leverage) ratio | 8.9557% | 4,792 |
| Tier 1 risk-based capital ratio | 13.6244% | 3,622 |
| Total risk-based capital ratio | 14.3102% | 3,879 |
| Memoranda: | ||
| Average total assets | $65,595,250 | 4,906 |
| Average earning assets | $62,190,500 | 4,863 |
| Average equity | $5,778,000 | 5,194 |
| Average total loans | $40,168,250 | 4,774 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,072 |
| Cost of funding earning assets | 0.3413% | 3,675 |
| Net interest margin | 3.6922% | 2,682 |
| Noninterest income to average assets | 0.3971% | 3,708 |
| Noninterest expense to average assets | 3.5402% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3232% | 5,166 |
| Return on assets (ROA) | 0.3232% | 5,186 |
| Pretax return on assets | 0.3540% | 5,262 |
| Return on Equity (ROE) | 3.6615% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.9528% | 4,473 |
| Net charge-offs to loans | 0.0514% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,270 |
| Efficiency ratio | 90.9091% | 409 |
| Assets per employee ($millions) | 3.6901% | 4,448 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 5,108 |
| Loan loss allowance to noncurrent loans | 627.6596% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,913 |
| Noncurrent loans to loans | 0.1180% | 4,647 |
| Net loans and leases to total assets | 59.5233% | 3,884 |
| Net loans and leases to deposits | 65.3412% | 4,272 |
| Net loans and leases to core deposits | 69.5530% | 4,256 |
| Total domestic deposits to total assets | 91.0962% | 200 |
| Equity capital to assets | 8.7533% | 5,099 |
| Core capital (leverage) ratio | 8.7541% | 5,002 |
| Tier 1 risk-based capital ratio | 14.3599% | 3,237 |
| Total risk-based capital ratio | 15.0830% | 3,438 |
| Memoranda: | ||
| Average total assets | $64,967,330 | 4,952 |
| Average earning assets | $61,535,000 | 4,908 |
| Average equity | $5,735,330 | 5,231 |
| Average total loans | $38,891,670 | 4,851 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 3,057 |
| Cost of funding earning assets | 0.3423% | 3,609 |
| Net interest margin | 3.6530% | 2,684 |
| Noninterest income to average assets | 0.3985% | 3,671 |
| Noninterest expense to average assets | 3.5927% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2428% | 5,316 |
| Return on assets (ROA) | 0.2428% | 5,331 |
| Pretax return on assets | 0.2615% | 5,360 |
| Return on Equity (ROE) | 2.7388% | 5,166 |
| Retained earnings to average equity (ytd only) | -0.7022% | 5,029 |
| Net charge-offs to loans | 0.0104% | 2,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,001 |
| Efficiency ratio | 93.2149% | 410 |
| Assets per employee ($millions) | 3.6926% | 4,515 |
| Cash dividends to net income (ytd only)* | 125.6410% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 5,062 |
| Loan loss allowance to noncurrent loans | 193.6306% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,280 |
| Noncurrent loans to loans | 0.4141% | 3,604 |
| Net loans and leases to total assets | 56.5769% | 4,109 |
| Net loans and leases to deposits | 61.9604% | 4,436 |
| Net loans and leases to core deposits | 65.6374% | 4,448 |
| Total domestic deposits to total assets | 91.3115% | 207 |
| Equity capital to assets | 8.5772% | 5,181 |
| Core capital (leverage) ratio | 8.9443% | 4,802 |
| Tier 1 risk-based capital ratio | 14.9513% | 2,986 |
| Total risk-based capital ratio | 15.7361% | 3,140 |
| Memoranda: | ||
| Average total assets | $64,240,500 | 5,028 |
| Average earning assets | $60,772,500 | 4,977 |
| Average equity | $5,696,000 | 5,284 |
| Average total loans | $38,422,000 | 4,909 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,487 |
| Cost of funding earning assets | 0.3496% | 3,524 |
| Net interest margin | 3.8508% | 2,134 |
| Noninterest income to average assets | 0.4931% | 3,284 |
| Noninterest expense to average assets | 3.8994% | 691 |
| Loan and lease loss provision to assets | 0.0122% | 4,133 |
| Net operating income to assets | 0.2161% | 5,392 |
| Return on assets (ROA) | 0.2161% | 5,450 |
| Pretax return on assets | 0.2091% | 5,490 |
| Return on Equity (ROE) | 2.1553% | 5,370 |
| Retained earnings to average equity (ytd only) | 0.7822% | 5,008 |
| Net charge-offs to loans | 0.0163% | 3,753 |
| Credit loss provision to net charge-offs | 116.6667% | 2,263 |
| Earnings coverage of net charge-offs (x) | 21.1667% | 1,810 |
| Efficiency ratio | 94.6300% | 357 |
| Assets per employee ($millions) | 3.4452% | 4,834 |
| Cash dividends to net income (ytd only)* | 63.7097% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 5,151 |
| Loan loss allowance to noncurrent loans | 167.5824% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 4,098 |
| Noncurrent loans to loans | 0.4674% | 3,478 |
| Net loans and leases to total assets | 62.2924% | 3,570 |
| Net loans and leases to deposits | 68.6292% | 4,038 |
| Net loans and leases to core deposits | 73.0287% | 4,008 |
| Total domestic deposits to total assets | 90.7666% | 361 |
| Equity capital to assets | 9.1770% | 4,606 |
| Core capital (leverage) ratio | 9.3284% | 4,323 |
| Tier 1 risk-based capital ratio | 15.0446% | 2,945 |
| Total risk-based capital ratio | 15.8353% | 3,093 |
| Memoranda: | ||
| Average total assets | $57,393,600 | 5,202 |
| Average earning assets | $54,067,200 | 5,171 |
| Average equity | $5,753,200 | 5,324 |
| Average total loans | $36,741,200 | 4,994 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,375 |
| Cost of funding earning assets | 0.3450% | 3,593 |
| Net interest margin | 3.8956% | 1,990 |
| Noninterest income to average assets | 0.5145% | 3,153 |
| Noninterest expense to average assets | 3.8976% | 679 |
| Loan and lease loss provision to assets | 0.0166% | 3,913 |
| Net operating income to assets | 0.2371% | 5,406 |
| Return on assets (ROA) | 0.2371% | 5,478 |
| Pretax return on assets | 0.2679% | 5,493 |
| Return on Equity (ROE) | 2.3112% | 5,408 |
| Retained earnings to average equity (ytd only) | 0.4854% | 5,232 |
| Net charge-offs to loans | 0.0147% | 3,439 |
| Credit loss provision to net charge-offs | 175.0000% | 1,593 |
| Earnings coverage of net charge-offs (x) | 30.0188% | 1,488 |
| Efficiency ratio | 93.1973% | 421 |
| Assets per employee ($millions) | 3.3099% | 5,036 |
| Cash dividends to net income (ytd only)* | 78.9995% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 5,101 |
| Loan loss allowance to noncurrent loans | 193.0818% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 4,365 |
| Noncurrent loans to loans | 0.4302% | 3,741 |
| Net loans and leases to total assets | 61.5244% | 3,689 |
| Net loans and leases to deposits | 68.2474% | 4,126 |
| Net loans and leases to core deposits | 72.8395% | 4,098 |
| Total domestic deposits to total assets | 90.1490% | 431 |
| Equity capital to assets | 9.7687% | 4,399 |
| Core capital (leverage) ratio | 9.9407% | 3,645 |
| Tier 1 risk-based capital ratio | 16.0163% | 2,620 |
| Total risk-based capital ratio | 16.8671% | 2,713 |
| Memoranda: | ||
| Average total assets | $56,238,500 | 5,274 |
| Average earning assets | $52,948,000 | 5,233 |
| Average equity | $5,768,750 | 5,376 |
| Average total loans | $36,192,750 | 5,059 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 2,139 |
| Cost of funding earning assets | 0.3359% | 3,740 |
| Net interest margin | 3.9695% | 1,742 |
| Noninterest income to average assets | 0.5261% | 3,030 |
| Noninterest expense to average assets | 3.9437% | 636 |
| Loan and lease loss provision to assets | 0.0109% | 3,880 |
| Net operating income to assets | 0.2649% | 5,403 |
| Return on assets (ROA) | 0.2649% | 5,474 |
| Pretax return on assets | 0.3011% | 5,497 |
| Return on Equity (ROE) | 2.5384% | 5,372 |
| Retained earnings to average equity (ytd only) | -0.2086% | 5,326 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6684% | 468 |
| Assets per employee ($millions) | 3.4088% | 4,909 |
| Cash dividends to net income (ytd only)* | 108.2192% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 5,186 |
| Loan loss allowance to noncurrent loans | 348.8636% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 4,904 |
| Noncurrent loans to loans | 0.2387% | 4,493 |
| Net loans and leases to total assets | 63.0802% | 3,488 |
| Net loans and leases to deposits | 70.1039% | 3,970 |
| Net loans and leases to core deposits | 74.5762% | 3,937 |
| Total domestic deposits to total assets | 89.9810% | 495 |
| Equity capital to assets | 9.9707% | 4,262 |
| Core capital (leverage) ratio | 10.1296% | 3,413 |
| Tier 1 risk-based capital ratio | 16.0554% | 2,617 |
| Total risk-based capital ratio | 16.9123% | 2,729 |
| Memoranda: | ||
| Average total assets | $55,125,330 | 5,348 |
| Average earning assets | $51,794,670 | 5,316 |
| Average equity | $5,751,670 | 5,435 |
| Average total loans | $35,936,330 | 5,111 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,135 |
| Cost of funding earning assets | 0.3230% | 3,912 |
| Net interest margin | 3.9780% | 1,681 |
| Noninterest income to average assets | 0.5138% | 3,022 |
| Noninterest expense to average assets | 4.0139% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2309% | 5,475 |
| Return on assets (ROA) | 0.2309% | 5,536 |
| Pretax return on assets | 0.2606% | 5,565 |
| Return on Equity (ROE) | 2.1608% | 5,468 |
| Retained earnings to average equity (ytd only) | -3.3458% | 5,507 |
| Net charge-offs to loans | -0.0564% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9024% | 458 |
| Assets per employee ($millions) | 3.0674% | 5,433 |
| Cash dividends to net income (ytd only)* | 254.8387% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 5,183 |
| Loan loss allowance to noncurrent loans | 461.1940% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,097 |
| Noncurrent loans to loans | 0.1868% | 4,741 |
| Net loans and leases to total assets | 64.3949% | 3,188 |
| Net loans and leases to deposits | 71.8588% | 3,662 |
| Net loans and leases to core deposits | 75.7472% | 3,700 |
| Total domestic deposits to total assets | 89.6131% | 776 |
| Equity capital to assets | 10.3706% | 3,659 |
| Core capital (leverage) ratio | 10.7162% | 2,707 |
| Tier 1 risk-based capital ratio | 16.4733% | 2,485 |
| Total risk-based capital ratio | 17.3651% | 2,580 |
| Memoranda: | ||
| Average total assets | $53,713,000 | 5,432 |
| Average earning assets | $50,779,000 | 5,386 |
| Average equity | $5,738,500 | 5,465 |
| Average total loans | $35,473,500 | 5,164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,021 |
| Cost of funding earning assets | 0.2984% | 4,265 |
| Net interest margin | 4.0629% | 1,509 |
| Noninterest income to average assets | 0.5973% | 2,728 |
| Noninterest expense to average assets | 4.0748% | 611 |
| Loan and lease loss provision to assets | 0.0612% | 3,080 |
| Net operating income to assets | 0.2996% | 5,363 |
| Return on assets (ROA) | 0.2996% | 5,442 |
| Pretax return on assets | 0.2915% | 5,537 |
| Return on Equity (ROE) | 2.5777% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.1047% | 5,077 |
| Net charge-offs to loans | 0.0306% | 3,609 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 17.3000% | 2,085 |
| Efficiency ratio | 92.0350% | 572 |
| Assets per employee ($millions) | 2.9007% | 5,612 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 5,208 |
| Loan loss allowance to noncurrent loans | 460.6061% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 5,091 |
| Noncurrent loans to loans | 0.1881% | 4,731 |
| Net loans and leases to total assets | 66.6111% | 2,894 |
| Net loans and leases to deposits | 74.9047% | 3,389 |
| Net loans and leases to core deposits | 79.2268% | 3,422 |
| Total domestic deposits to total assets | 88.9278% | 1,149 |
| Equity capital to assets | 11.0147% | 2,807 |
| Core capital (leverage) ratio | 11.2984% | 2,122 |
| Tier 1 risk-based capital ratio | 16.8851% | 2,328 |
| Total risk-based capital ratio | 17.7766% | 2,422 |
| Memoranda: | ||
| Average total assets | $49,057,400 | 5,567 |
| Average earning assets | $46,247,800 | 5,517 |
| Average equity | $5,702,800 | 5,504 |
| Average total loans | $32,669,600 | 5,270 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,021 |
| Cost of funding earning assets | 0.2934% | 4,413 |
| Net interest margin | 4.0746% | 1,478 |
| Noninterest income to average assets | 0.6132% | 2,673 |
| Noninterest expense to average assets | 3.9390% | 708 |
| Loan and lease loss provision to assets | 0.0829% | 2,515 |
| Net operating income to assets | 0.3646% | 5,277 |
| Return on assets (ROA) | 0.3646% | 5,361 |
| Pretax return on assets | 0.4282% | 5,406 |
| Return on Equity (ROE) | 3.0927% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.1246% | 5,266 |
| Net charge-offs to loans | 0.0083% | 3,877 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 92.3820% | 666 |
| Efficiency ratio | 88.5164% | 798 |
| Assets per employee ($millions) | 2.9108% | 5,643 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 5,087 |
| Loan loss allowance to noncurrent loans | 537.9310% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 5,277 |
| Noncurrent loans to loans | 0.1722% | 4,964 |
| Net loans and leases to total assets | 67.4272% | 2,786 |
| Net loans and leases to deposits | 76.4972% | 3,244 |
| Net loans and leases to core deposits | 79.0827% | 3,502 |
| Total domestic deposits to total assets | 88.1434% | 1,482 |
| Equity capital to assets | 11.6222% | 2,402 |
| Core capital (leverage) ratio | 11.6824% | 1,900 |
| Tier 1 risk-based capital ratio | 18.0300% | 2,020 |
| Total risk-based capital ratio | 19.0094% | 2,066 |
| Memoranda: | ||
| Average total assets | $48,268,750 | 5,651 |
| Average earning assets | $45,450,750 | 5,615 |
| Average equity | $5,690,750 | 5,575 |
| Average total loans | $32,066,250 | 5,353 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 2,172 |
| Cost of funding earning assets | 0.2883% | 4,522 |
| Net interest margin | 4.0103% | 1,614 |
| Noninterest income to average assets | 0.6059% | 2,699 |
| Noninterest expense to average assets | 3.8902% | 772 |
| Loan and lease loss provision to assets | 0.0877% | 2,353 |
| Net operating income to assets | 0.3343% | 5,346 |
| Return on assets (ROA) | 0.3343% | 5,449 |
| Pretax return on assets | 0.4053% | 5,454 |
| Return on Equity (ROE) | 2.8215% | 5,465 |
| Retained earnings to average equity (ytd only) | -0.1411% | 5,534 |
| Net charge-offs to loans | 0.0507% | 2,698 |
| Credit loss provision to net charge-offs | 262.5000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 2,035 |
| Efficiency ratio | 88.7512% | 852 |
| Assets per employee ($millions) | 3.6676% | 4,499 |
| Cash dividends to net income (ytd only)* | 105.0000% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 5,199 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 4,964 |
| Noncurrent loans to loans | 0.3366% | 4,483 |
| Net loans and leases to total assets | 66.6751% | 2,840 |
| Net loans and leases to deposits | 75.8168% | 3,293 |
| Net loans and leases to core deposits | 78.0008% | 3,570 |
| Total domestic deposits to total assets | 87.9423% | 1,676 |
| Equity capital to assets | 11.9046% | 2,101 |
| Core capital (leverage) ratio | 11.7822% | 1,786 |
| Tier 1 risk-based capital ratio | 18.3252% | 1,976 |
| Total risk-based capital ratio | 19.2814% | 2,011 |
| Memoranda: | ||
| Average total assets | $47,864,000 | 5,723 |
| Average earning assets | $45,084,330 | 5,683 |
| Average equity | $5,670,670 | 5,630 |
| Average total loans | $31,529,330 | 5,411 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,167 |
| Cost of funding earning assets | 0.3018% | 4,422 |
| Net interest margin | 3.9763% | 1,637 |
| Noninterest income to average assets | 0.5839% | 2,741 |
| Noninterest expense to average assets | 3.9786% | 713 |
| Loan and lease loss provision to assets | 0.1001% | 2,023 |
| Net operating income to assets | 0.2002% | 5,689 |
| Return on assets (ROA) | 0.2002% | 5,775 |
| Pretax return on assets | 0.2419% | 5,768 |
| Return on Equity (ROE) | 1.6937% | 5,759 |
| Retained earnings to average equity (ytd only) | -4.2343% | 5,879 |
| Net charge-offs to loans | -0.0256% | 5,165 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0849% | 711 |
| Assets per employee ($millions) | 3.5228% | 4,857 |
| Cash dividends to net income (ytd only)* | 350.0000% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 5,282 |
| Loan loss allowance to noncurrent loans | 327.4725% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 4,608 |
| Noncurrent loans to loans | 0.2877% | 4,742 |
| Net loans and leases to total assets | 63.5252% | 3,154 |
| Net loans and leases to deposits | 71.8842% | 3,541 |
| Net loans and leases to core deposits | 73.0116% | 3,869 |
| Total domestic deposits to total assets | 88.3716% | 1,614 |
| Equity capital to assets | 11.4459% | 2,517 |
| Core capital (leverage) ratio | 11.6367% | 1,898 |
| Tier 1 risk-based capital ratio | 18.1181% | 2,099 |
| Total risk-based capital ratio | 19.0761% | 2,148 |
| Memoranda: | ||
| Average total assets | $47,956,500 | 5,773 |
| Average earning assets | $45,067,500 | 5,736 |
| Average equity | $5,668,000 | 5,686 |
| Average total loans | $31,250,500 | 5,462 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,564 |
| Cost of funding earning assets | 0.2371% | 5,454 |
| Net interest margin | 4.3593% | 952 |
| Noninterest income to average assets | 0.6633% | 2,488 |
| Noninterest expense to average assets | 3.9690% | 781 |
| Loan and lease loss provision to assets | 0.1551% | 1,692 |
| Net operating income to assets | 0.4822% | 4,879 |
| Return on assets (ROA) | 0.5039% | 4,882 |
| Pretax return on assets | 0.6030% | 4,928 |
| Return on Equity (ROE) | 4.2171% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.8475% | 4,207 |
| Net charge-offs to loans | 0.0306% | 4,214 |
| Credit loss provision to net charge-offs | 800.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 1,135 |
| Efficiency ratio | 84.4251% | 1,354 |
| Assets per employee ($millions) | 3.3281% | 5,222 |
| Cash dividends to net income (ytd only)* | 32.4786% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 5,405 |
| Loan loss allowance to noncurrent loans | 315.5556% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 4,563 |
| Noncurrent loans to loans | 0.2915% | 4,805 |
| Net loans and leases to total assets | 65.6501% | 2,956 |
| Net loans and leases to deposits | 74.9896% | 3,314 |
| Net loans and leases to core deposits | 76.2438% | 3,680 |
| Total domestic deposits to total assets | 87.5456% | 2,009 |
| Equity capital to assets | 12.2140% | 1,847 |
| Core capital (leverage) ratio | 12.3737% | 1,406 |
| Tier 1 risk-based capital ratio | 18.5767% | 1,966 |
| Total risk-based capital ratio | 19.5030% | 2,024 |
| Memoranda: | ||
| Average total assets | $46,435,000 | 5,873 |
| Average earning assets | $43,011,800 | 5,853 |
| Average equity | $5,548,800 | 5,730 |
| Average total loans | $29,432,800 | 5,580 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,830 |
| Cost of funding earning assets | 0.2274% | 5,616 |
| Net interest margin | 4.2833% | 1,084 |
| Noninterest income to average assets | 0.6868% | 2,397 |
| Noninterest expense to average assets | 3.9112% | 830 |
| Loan and lease loss provision to assets | 0.1552% | 1,599 |
| Net operating income to assets | 0.5204% | 4,802 |
| Return on assets (ROA) | 0.5518% | 4,748 |
| Pretax return on assets | 0.6064% | 5,009 |
| Return on Equity (ROE) | 4.6432% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.8052% | 4,608 |
| Net charge-offs to loans | 0.0046% | 4,546 |
| Credit loss provision to net charge-offs | 5,400.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 253.6241% | 263 |
| Efficiency ratio | 84.3247% | 1,352 |
| Assets per employee ($millions) | 3.4144% | 5,027 |
| Cash dividends to net income (ytd only)* | 39.5836% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 5,636 |
| Loan loss allowance to noncurrent loans | 162.1302% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 4,125 |
| Noncurrent loans to loans | 0.5482% | 4,275 |
| Net loans and leases to total assets | 68.8355% | 2,407 |
| Net loans and leases to deposits | 79.0449% | 2,834 |
| Net loans and leases to core deposits | 80.4391% | 3,262 |
| Total domestic deposits to total assets | 87.0841% | 2,270 |
| Equity capital to assets | 12.6456% | 1,611 |
| Core capital (leverage) ratio | 12.4983% | 1,405 |
| Tier 1 risk-based capital ratio | 18.5746% | 2,026 |
| Total risk-based capital ratio | 19.4749% | 2,103 |
| Memoranda: | ||
| Average total assets | $46,395,250 | 5,944 |
| Average earning assets | $42,801,250 | 5,924 |
| Average equity | $5,513,250 | 5,797 |
| Average total loans | $29,072,750 | 5,658 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,111 |
| Cost of funding earning assets | 0.2256% | 5,700 |
| Net interest margin | 4.1943% | 1,260 |
| Noninterest income to average assets | 0.6204% | 2,708 |
| Noninterest expense to average assets | 3.8118% | 958 |
| Loan and lease loss provision to assets | 0.1530% | 1,612 |
| Net operating income to assets | 0.4759% | 4,910 |
| Return on assets (ROA) | 0.5142% | 4,844 |
| Pretax return on assets | 0.5694% | 5,058 |
| Return on Equity (ROE) | 4.4161% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.6423% | 5,079 |
| Net charge-offs to loans | -0.0070% | 5,237 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8628% | 1,403 |
| Assets per employee ($millions) | 3.4335% | 4,989 |
| Cash dividends to net income (ytd only)* | 62.8099% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 5,841 |
| Loan loss allowance to noncurrent loans | 286.6667% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 4,927 |
| Noncurrent loans to loans | 0.3004% | 5,116 |
| Net loans and leases to total assets | 61.7820% | 3,442 |
| Net loans and leases to deposits | 69.8892% | 3,835 |
| Net loans and leases to core deposits | 71.0054% | 4,152 |
| Total domestic deposits to total assets | 88.4000% | 1,683 |
| Equity capital to assets | 11.5417% | 2,381 |
| Core capital (leverage) ratio | 11.9630% | 1,680 |
| Tier 1 risk-based capital ratio | 18.6145% | 2,032 |
| Total risk-based capital ratio | 19.4750% | 2,121 |
| Memoranda: | ||
| Average total assets | $47,064,670 | 5,981 |
| Average earning assets | $43,439,670 | 5,962 |
| Average equity | $5,480,000 | 5,840 |
| Average total loans | $28,487,670 | 5,721 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,250 |
| Cost of funding earning assets | 0.2347% | 5,713 |
| Net interest margin | 4.1404% | 1,364 |
| Noninterest income to average assets | 0.6185% | 2,626 |
| Noninterest expense to average assets | 3.8142% | 958 |
| Loan and lease loss provision to assets | 0.1546% | 1,568 |
| Net operating income to assets | 0.3952% | 5,137 |
| Return on assets (ROA) | 0.3952% | 5,207 |
| Pretax return on assets | 0.4381% | 5,339 |
| Return on Equity (ROE) | 3.3786% | 5,326 |
| Retained earnings to average equity (ytd only) | -2.2035% | 5,873 |
| Net charge-offs to loans | 0.0144% | 3,309 |
| Credit loss provision to net charge-offs | 1,800.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 597 |
| Efficiency ratio | 86.5497% | 1,385 |
| Assets per employee ($millions) | 3.3831% | 5,186 |
| Cash dividends to net income (ytd only)* | 165.2174% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 5,989 |
| Loan loss allowance to noncurrent loans | 105.7778% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 4,151 |
| Noncurrent loans to loans | 0.8089% | 3,857 |
| Net loans and leases to total assets | 58.2214% | 3,806 |
| Net loans and leases to deposits | 65.8909% | 4,110 |
| Net loans and leases to core deposits | 66.9580% | 4,406 |
| Total domestic deposits to total assets | 88.3604% | 2,019 |
| Equity capital to assets | 11.4982% | 2,247 |
| Core capital (leverage) ratio | 11.6326% | 1,875 |
| Tier 1 risk-based capital ratio | 19.1835% | 1,910 |
| Total risk-based capital ratio | 20.0125% | 1,999 |
| Memoranda: | ||
| Average total assets | $46,562,500 | 6,059 |
| Average earning assets | $42,604,500 | 6,040 |
| Average equity | $5,446,000 | 5,885 |
| Average total loans | $27,753,500 | 5,814 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 2,803 |
| Cost of funding earning assets | 0.3006% | 5,592 |
| Net interest margin | 4.0410% | 1,835 |
| Noninterest income to average assets | 0.5889% | 3,159 |
| Noninterest expense to average assets | 3.8357% | 1,082 |
| Loan and lease loss provision to assets | 0.1867% | 1,977 |
| Net operating income to assets | 0.2617% | 5,651 |
| Return on assets (ROA) | 0.3156% | 5,569 |
| Pretax return on assets | 0.3267% | 5,656 |
| Return on Equity (ROE) | 2.5975% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.1524% | 5,313 |
| Net charge-offs to loans | 0.2218% | 2,689 |
| Credit loss provision to net charge-offs | 155.5556% | 1,491 |
| Earnings coverage of net charge-offs (x) | 3.8148% | 3,750 |
| Efficiency ratio | 89.3375% | 1,079 |
| Assets per employee ($millions) | 3.2686% | 5,346 |
| Cash dividends to net income (ytd only)* | 55.6338% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 6,185 |
| Loan loss allowance to noncurrent loans | 192.1739% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 4,932 |
| Noncurrent loans to loans | 0.4153% | 4,965 |
| Net loans and leases to total assets | 60.0337% | 3,716 |
| Net loans and leases to deposits | 68.2534% | 4,015 |
| Net loans and leases to core deposits | 69.4018% | 4,360 |
| Total domestic deposits to total assets | 87.9570% | 2,198 |
| Equity capital to assets | 11.9010% | 1,864 |
| Core capital (leverage) ratio | 12.4575% | 1,382 |
| Tier 1 risk-based capital ratio | 18.8282% | 1,972 |
| Total risk-based capital ratio | 19.5797% | 2,095 |
| Memoranda: | ||
| Average total assets | $44,998,000 | 6,151 |
| Average earning assets | $41,252,200 | 6,136 |
| Average equity | $5,466,800 | 5,940 |
| Average total loans | $24,346,000 | 6,015 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 3,234 |
| Cost of funding earning assets | 0.3190% | 5,562 |
| Net interest margin | 3.9213% | 2,192 |
| Noninterest income to average assets | 0.6100% | 3,077 |
| Noninterest expense to average assets | 3.7374% | 1,188 |
| Loan and lease loss provision to assets | 0.1547% | 2,330 |
| Net operating income to assets | 0.2796% | 5,677 |
| Return on assets (ROA) | 0.3065% | 5,710 |
| Pretax return on assets | 0.3719% | 5,701 |
| Return on Equity (ROE) | 2.5097% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.5848% | 5,733 |
| Net charge-offs to loans | 0.1758% | 2,817 |
| Credit loss provision to net charge-offs | 167.7419% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.3552% | 3,213 |
| Efficiency ratio | 88.3263% | 1,135 |
| Assets per employee ($millions) | 2.9126% | 5,989 |
| Cash dividends to net income (ytd only)* | 76.6985% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 6,238 |
| Loan loss allowance to noncurrent loans | 136.7742% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 3,608 |
| Noncurrent loans to loans | 0.5995% | 4,698 |
| Net loans and leases to total assets | 58.6967% | 3,891 |
| Net loans and leases to deposits | 67.1502% | 4,160 |
| Net loans and leases to core deposits | 68.3384% | 4,498 |
| Total domestic deposits to total assets | 87.4110% | 2,457 |
| Equity capital to assets | 12.4425% | 1,619 |
| Core capital (leverage) ratio | 12.6214% | 1,361 |
| Tier 1 risk-based capital ratio | 19.8004% | 1,784 |
| Total risk-based capital ratio | 20.5641% | 1,870 |
| Memoranda: | ||
| Average total assets | $44,807,250 | 6,222 |
| Average earning assets | $41,380,000 | 6,201 |
| Average equity | $5,472,000 | 6,011 |
| Average total loans | $23,509,250 | 6,115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,561 |
| Cost of funding earning assets | 0.3418% | 5,478 |
| Net interest margin | 3.8030% | 2,548 |
| Noninterest income to average assets | 0.5843% | 3,292 |
| Noninterest expense to average assets | 3.6432% | 1,346 |
| Loan and lease loss provision to assets | 0.1505% | 2,441 |
| Net operating income to assets | 0.2435% | 5,788 |
| Return on assets (ROA) | 0.2435% | 5,915 |
| Pretax return on assets | 0.2877% | 5,908 |
| Return on Equity (ROE) | 2.0058% | 5,954 |
| Retained earnings to average equity (ytd only) | -0.8753% | 6,029 |
| Net charge-offs to loans | 0.2640% | 2,149 |
| Credit loss provision to net charge-offs | 113.3333% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 3,434 |
| Efficiency ratio | 89.2625% | 1,105 |
| Assets per employee ($millions) | 2.9511% | 5,928 |
| Cash dividends to net income (ytd only)* | 143.6364% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 6,310 |
| Loan loss allowance to noncurrent loans | 153.5433% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 3,862 |
| Noncurrent loans to loans | 0.5365% | 4,919 |
| Net loans and leases to total assets | 53.0362% | 4,729 |
| Net loans and leases to deposits | 60.4407% | 4,923 |
| Net loans and leases to core deposits | 61.9789% | 5,094 |
| Total domestic deposits to total assets | 87.7491% | 2,415 |
| Equity capital to assets | 12.0838% | 1,858 |
| Core capital (leverage) ratio | 11.9099% | 1,664 |
| Tier 1 risk-based capital ratio | 20.3253% | 1,647 |
| Total risk-based capital ratio | 21.0526% | 1,742 |
| Memoranda: | ||
| Average total assets | $45,180,000 | 6,257 |
| Average earning assets | $41,546,670 | 6,237 |
| Average equity | $5,484,000 | 6,048 |
| Average total loans | $22,727,000 | 6,185 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 3,620 |
| Cost of funding earning assets | 0.3716% | 5,352 |
| Net interest margin | 3.7541% | 2,644 |
| Noninterest income to average assets | 0.5697% | 3,303 |
| Noninterest expense to average assets | 3.4972% | 1,627 |
| Loan and lease loss provision to assets | 0.1402% | 2,488 |
| Net operating income to assets | 0.3243% | 5,470 |
| Return on assets (ROA) | 0.3243% | 5,601 |
| Pretax return on assets | 0.3857% | 5,612 |
| Return on Equity (ROE) | 2.6659% | 5,717 |
| Retained earnings to average equity (ytd only) | -3.0262% | 6,196 |
| Net charge-offs to loans | 0.1618% | 2,430 |
| Credit loss provision to net charge-offs | 177.7778% | 1,196 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,185 |
| Efficiency ratio | 86.9281% | 1,421 |
| Assets per employee ($millions) | 3.0707% | 5,872 |
| Cash dividends to net income (ytd only)* | 213.5135% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,269 |
| Loan loss allowance to noncurrent loans | 172.1739% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 4,057 |
| Noncurrent loans to loans | 0.5202% | 5,137 |
| Net loans and leases to total assets | 47.5695% | 5,275 |
| Net loans and leases to deposits | 54.1253% | 5,425 |
| Net loans and leases to core deposits | 55.8071% | 5,536 |
| Total domestic deposits to total assets | 87.8878% | 2,390 |
| Equity capital to assets | 11.9776% | 2,062 |
| Core capital (leverage) ratio | 11.7112% | 1,739 |
| Tier 1 risk-based capital ratio | 21.5575% | 1,414 |
| Total risk-based capital ratio | 22.3430% | 1,484 |
| Memoranda: | ||
| Average total assets | $45,637,000 | 6,301 |
| Average earning assets | $41,980,500 | 6,283 |
| Average equity | $5,551,500 | 6,086 |
| Average total loans | $22,254,500 | 6,259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 3,901 |
| Cost of funding earning assets | 0.4289% | 5,730 |
| Net interest margin | 3.9506% | 2,608 |
| Noninterest income to average assets | 0.6385% | 3,060 |
| Noninterest expense to average assets | 3.6467% | 1,510 |
| Loan and lease loss provision to assets | 0.1754% | 3,429 |
| Net operating income to assets | 0.3979% | 5,111 |
| Return on assets (ROA) | 0.3979% | 5,351 |
| Pretax return on assets | 0.4407% | 5,453 |
| Return on Equity (ROE) | 3.2219% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.9659% | 4,839 |
| Net charge-offs to loans | 0.6033% | 1,926 |
| Credit loss provision to net charge-offs | 56.9343% | 4,526 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,414 |
| Efficiency ratio | 85.5485% | 1,473 |
| Assets per employee ($millions) | 3.2295% | 5,562 |
| Cash dividends to net income (ytd only)* | 38.9831% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,389 |
| Loan loss allowance to noncurrent loans | 64.9660% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 3,381 |
| Noncurrent loans to loans | 1.3125% | 3,642 |
| Net loans and leases to total assets | 49.1208% | 5,291 |
| Net loans and leases to deposits | 56.1699% | 5,430 |
| Net loans and leases to core deposits | 57.9552% | 5,544 |
| Total domestic deposits to total assets | 87.4505% | 2,553 |
| Equity capital to assets | 12.3549% | 1,820 |
| Core capital (leverage) ratio | 12.2950% | 1,402 |
| Tier 1 risk-based capital ratio | 21.0624% | 1,446 |
| Total risk-based capital ratio | 21.7975% | 1,523 |
| Memoranda: | ||
| Average total assets | $44,478,800 | 6,361 |
| Average earning assets | $40,804,400 | 6,334 |
| Average equity | $5,493,600 | 6,150 |
| Average total loans | $22,709,600 | 6,310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 3,924 |
| Cost of funding earning assets | 0.4427% | 5,849 |
| Net interest margin | 3.9878% | 2,548 |
| Noninterest income to average assets | 0.6742% | 2,860 |
| Noninterest expense to average assets | 3.7084% | 1,350 |
| Loan and lease loss provision to assets | 0.1625% | 3,483 |
| Net operating income to assets | 0.3793% | 5,329 |
| Return on assets (ROA) | 0.3793% | 5,541 |
| Pretax return on assets | 0.4635% | 5,556 |
| Return on Equity (ROE) | 3.0710% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.3893% | 5,620 |
| Net charge-offs to loans | 0.6436% | 1,706 |
| Credit loss provision to net charge-offs | 49.0909% | 4,424 |
| Earnings coverage of net charge-offs (x) | 1.8910% | 4,316 |
| Efficiency ratio | 85.5556% | 1,424 |
| Assets per employee ($millions) | 3.1159% | 5,811 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 6,479 |
| Loan loss allowance to noncurrent loans | 52.7174% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 3,217 |
| Noncurrent loans to loans | 1.6350% | 3,345 |
| Net loans and leases to total assets | 51.1519% | 5,165 |
| Net loans and leases to deposits | 58.8838% | 5,330 |
| Net loans and leases to core deposits | 60.8342% | 5,473 |
| Total domestic deposits to total assets | 86.8693% | 2,755 |
| Equity capital to assets | 12.7754% | 1,728 |
| Core capital (leverage) ratio | 11.9168% | 1,706 |
| Tier 1 risk-based capital ratio | 21.0338% | 1,519 |
| Total risk-based capital ratio | 21.7867% | 1,594 |
| Memoranda: | ||
| Average total assets | $44,295,250 | 6,441 |
| Average earning assets | $40,656,500 | 6,410 |
| Average equity | $5,470,500 | 6,227 |
| Average total loans | $22,787,000 | 6,383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 4,236 |
| Cost of funding earning assets | 0.4542% | 5,941 |
| Net interest margin | 3.9319% | 2,785 |
| Noninterest income to average assets | 0.6469% | 2,970 |
| Noninterest expense to average assets | 3.7197% | 1,336 |
| Loan and lease loss provision to assets | 0.1617% | 3,492 |
| Net operating income to assets | 0.3010% | 5,617 |
| Return on assets (ROA) | 0.3010% | 5,818 |
| Pretax return on assets | 0.3819% | 5,748 |
| Return on Equity (ROE) | 2.4649% | 5,890 |
| Retained earnings to average equity (ytd only) | -0.0736% | 6,053 |
| Net charge-offs to loans | -0.0350% | 6,570 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2497% | 1,312 |
| Assets per employee ($millions) | 3.0389% | 5,983 |
| Cash dividends to net income (ytd only)* | 102.9851% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,105 |
| Loan loss allowance to noncurrent loans | 61.4407% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7484% | 3,106 |
| Noncurrent loans to loans | 2.0429% | 2,898 |
| Net loans and leases to total assets | 50.0483% | 5,347 |
| Net loans and leases to deposits | 56.9851% | 5,553 |
| Net loans and leases to core deposits | 58.7656% | 5,715 |
| Total domestic deposits to total assets | 87.8269% | 2,266 |
| Equity capital to assets | 11.9976% | 2,153 |
| Core capital (leverage) ratio | 11.4779% | 1,918 |
| Tier 1 risk-based capital ratio | 20.1209% | 1,684 |
| Total risk-based capital ratio | 21.2093% | 1,682 |
| Memoranda: | ||
| Average total assets | $44,519,330 | 6,475 |
| Average earning assets | $40,946,670 | 6,450 |
| Average equity | $5,436,330 | 6,260 |
| Average total loans | $22,880,000 | 6,422 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 4,378 |
| Cost of funding earning assets | 0.4776% | 5,962 |
| Net interest margin | 3.9101% | 2,883 |
| Noninterest income to average assets | 0.6456% | 2,953 |
| Noninterest expense to average assets | 3.7466% | 1,304 |
| Loan and lease loss provision to assets | 0.1637% | 3,344 |
| Net operating income to assets | 0.2546% | 5,802 |
| Return on assets (ROA) | 0.2546% | 5,957 |
| Pretax return on assets | 0.3092% | 5,961 |
| Return on Equity (ROE) | 2.0664% | 6,056 |
| Retained earnings to average equity (ytd only) | -3.0258% | 6,399 |
| Net charge-offs to loans | -0.0878% | 6,742 |
| Credit loss provision to net charge-offs | -360.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7931% | 1,201 |
| Assets per employee ($millions) | 3.1712% | 5,831 |
| Cash dividends to net income (ytd only)* | 246.4286% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,345 |
| Loan loss allowance to noncurrent loans | 56.7568% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7196% | 3,282 |
| Noncurrent loans to loans | 2.1742% | 2,940 |
| Net loans and leases to total assets | 45.9342% | 5,787 |
| Net loans and leases to deposits | 51.8424% | 5,985 |
| Net loans and leases to core deposits | 53.3747% | 6,108 |
| Total domestic deposits to total assets | 88.6037% | 1,951 |
| Equity capital to assets | 11.3227% | 2,607 |
| Core capital (leverage) ratio | 11.6185% | 1,821 |
| Tier 1 risk-based capital ratio | 20.6246% | 1,559 |
| Total risk-based capital ratio | 21.6824% | 1,583 |
| Memoranda: | ||
| Average total assets | $43,987,000 | 6,537 |
| Average earning assets | $40,203,500 | 6,513 |
| Average equity | $5,420,000 | 6,301 |
| Average total loans | $22,768,000 | 6,478 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 3,649 |
| Cost of funding earning assets | 0.5685% | 6,249 |
| Net interest margin | 4.2667% | 1,818 |
| Noninterest income to average assets | 0.7420% | 2,380 |
| Noninterest expense to average assets | 4.0361% | 987 |
| Loan and lease loss provision to assets | 0.1995% | 4,195 |
| Net operating income to assets | 0.4160% | 4,787 |
| Return on assets (ROA) | 0.4160% | 4,972 |
| Pretax return on assets | 0.4501% | 5,128 |
| Return on Equity (ROE) | 3.1945% | 5,205 |
| Retained earnings to average equity (ytd only) | 1.7000% | 5,002 |
| Net charge-offs to loans | 0.2852% | 3,992 |
| Credit loss provision to net charge-offs | 118.8406% | 2,693 |
| Earnings coverage of net charge-offs (x) | 3.8696% | 3,358 |
| Efficiency ratio | 86.1371% | 1,552 |
| Assets per employee ($millions) | 2.6937% | 6,615 |
| Cash dividends to net income (ytd only)* | 46.7836% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,934 |
| Loan loss allowance to noncurrent loans | 54.5852% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.9675% | 3,011 |
| Noncurrent loans to loans | 1.9562% | 3,266 |
| Net loans and leases to total assets | 57.3256% | 4,490 |
| Net loans and leases to deposits | 66.3867% | 4,683 |
| Net loans and leases to core deposits | 67.9446% | 5,035 |
| Total domestic deposits to total assets | 86.3510% | 3,114 |
| Equity capital to assets | 13.4980% | 1,263 |
| Core capital (leverage) ratio | 13.1920% | 1,075 |
| Tier 1 risk-based capital ratio | 20.0869% | 1,622 |
| Total risk-based capital ratio | 21.0231% | 1,661 |
| Memoranda: | ||
| Average total assets | $41,104,400 | 6,634 |
| Average earning assets | $37,992,000 | 6,607 |
| Average equity | $5,353,000 | 6,337 |
| Average total loans | $24,195,600 | 6,458 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 3,687 |
| Cost of funding earning assets | 0.5754% | 6,401 |
| Net interest margin | 4.2932% | 1,746 |
| Noninterest income to average assets | 0.7364% | 2,383 |
| Noninterest expense to average assets | 4.1085% | 887 |
| Loan and lease loss provision to assets | 0.1421% | 4,662 |
| Net operating income to assets | 0.3456% | 5,223 |
| Return on assets (ROA) | 0.3456% | 5,406 |
| Pretax return on assets | 0.4619% | 5,281 |
| Return on Equity (ROE) | 2.6777% | 5,547 |
| Retained earnings to average equity (ytd only) | 0.6757% | 5,746 |
| Net charge-offs to loans | 0.2077% | 4,138 |
| Credit loss provision to net charge-offs | 115.7895% | 2,822 |
| Earnings coverage of net charge-offs (x) | 4.9207% | 2,921 |
| Efficiency ratio | 87.1830% | 1,421 |
| Assets per employee ($millions) | 2.5555% | 6,831 |
| Cash dividends to net income (ytd only)* | 74.7652% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 6,158 |
| Loan loss allowance to noncurrent loans | 47.8346% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.1106% | 3,019 |
| Noncurrent loans to loans | 2.1367% | 3,197 |
| Net loans and leases to total assets | 57.5523% | 4,578 |
| Net loans and leases to deposits | 66.5912% | 4,815 |
| Net loans and leases to core deposits | 67.6421% | 5,217 |
| Total domestic deposits to total assets | 86.4263% | 2,974 |
| Equity capital to assets | 13.2533% | 1,490 |
| Core capital (leverage) ratio | 12.9923% | 1,232 |
| Tier 1 risk-based capital ratio | 19.5052% | 1,814 |
| Total risk-based capital ratio | 20.3998% | 1,857 |
| Memoranda: | ||
| Average total assets | $41,279,000 | 6,679 |
| Average earning assets | $38,229,750 | 6,651 |
| Average equity | $5,327,750 | 6,398 |
| Average total loans | $24,391,250 | 6,511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 3,937 |
| Cost of funding earning assets | 0.6251% | 6,337 |
| Net interest margin | 4.2090% | 1,999 |
| Noninterest income to average assets | 0.7390% | 2,329 |
| Noninterest expense to average assets | 4.0909% | 927 |
| Loan and lease loss provision to assets | 0.1256% | 4,716 |
| Net operating income to assets | 0.3139% | 5,312 |
| Return on assets (ROA) | 0.3139% | 5,455 |
| Pretax return on assets | 0.4250% | 5,323 |
| Return on Equity (ROE) | 2.4541% | 5,620 |
| Retained earnings to average equity (ytd only) | -0.5663% | 5,980 |
| Net charge-offs to loans | 0.2277% | 3,762 |
| Credit loss provision to net charge-offs | 92.8571% | 3,382 |
| Earnings coverage of net charge-offs (x) | 4.0714% | 2,974 |
| Efficiency ratio | 88.1374% | 1,402 |
| Assets per employee ($millions) | 2.6043% | 6,787 |
| Cash dividends to net income (ytd only)* | 123.0769% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 6,403 |
| Loan loss allowance to noncurrent loans | 121.7617% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 4,204 |
| Noncurrent loans to loans | 0.8077% | 5,306 |
| Net loans and leases to total assets | 56.7798% | 4,854 |
| Net loans and leases to deposits | 65.2518% | 5,106 |
| Net loans and leases to core deposits | 66.2513% | 5,483 |
| Total domestic deposits to total assets | 87.0164% | 2,729 |
| Equity capital to assets | 12.8084% | 1,621 |
| Core capital (leverage) ratio | 12.3526% | 1,427 |
| Tier 1 risk-based capital ratio | 19.1665% | 1,794 |
| Total risk-based capital ratio | 20.0233% | 1,878 |
| Memoranda: | ||
| Average total assets | $41,409,330 | 6,733 |
| Average earning assets | $38,394,330 | 6,704 |
| Average equity | $5,297,330 | 6,435 |
| Average total loans | $24,596,670 | 6,556 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 4,024 |
| Cost of funding earning assets | 0.6466% | 6,394 |
| Net interest margin | 4.1615% | 2,030 |
| Noninterest income to average assets | 0.6977% | 2,589 |
| Noninterest expense to average assets | 4.1279% | 890 |
| Loan and lease loss provision to assets | 0.1357% | 4,311 |
| Net operating income to assets | 0.1938% | 5,803 |
| Return on assets (ROA) | 0.1938% | 5,863 |
| Pretax return on assets | 0.3004% | 5,646 |
| Return on Equity (ROE) | 1.5159% | 5,979 |
| Retained earnings to average equity (ytd only) | -4.5476% | 6,478 |
| Net charge-offs to loans | 0.1924% | 3,349 |
| Credit loss provision to net charge-offs | 116.6667% | 2,321 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,643 |
| Efficiency ratio | 90.4459% | 1,298 |
| Assets per employee ($millions) | 2.5984% | 6,850 |
| Cash dividends to net income (ytd only)* | 400.0000% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 6,456 |
| Loan loss allowance to noncurrent loans | 53.9503% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 4,293 |
| Noncurrent loans to loans | 1.8229% | 3,799 |
| Net loans and leases to total assets | 57.8799% | 4,663 |
| Net loans and leases to deposits | 66.3002% | 4,930 |
| Net loans and leases to core deposits | 67.3110% | 5,382 |
| Total domestic deposits to total assets | 87.2998% | 2,762 |
| Equity capital to assets | 12.6305% | 1,560 |
| Core capital (leverage) ratio | 12.3525% | 1,386 |
| Tier 1 risk-based capital ratio | 18.8567% | 1,847 |
| Total risk-based capital ratio | 19.7214% | 1,921 |
| Memoranda: | ||
| Average total assets | $41,280,000 | 6,786 |
| Average earning assets | $38,352,000 | 6,749 |
| Average equity | $5,277,500 | 6,459 |
| Average total loans | $24,948,000 | 6,591 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 3,114 |
| Cost of funding earning assets | 0.7311% | 6,791 |
| Net interest margin | 4.5730% | 1,072 |
| Noninterest income to average assets | 0.7244% | 2,683 |
| Noninterest expense to average assets | 3.9569% | 1,224 |
| Loan and lease loss provision to assets | 0.2265% | 5,015 |
| Net operating income to assets | 0.5835% | 3,741 |
| Return on assets (ROA) | 0.6489% | 3,593 |
| Pretax return on assets | 0.8471% | 3,478 |
| Return on Equity (ROE) | 5.2696% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.8133% | 3,191 |
| Net charge-offs to loans | 0.4485% | 3,818 |
| Credit loss provision to net charge-offs | 80.0000% | 5,563 |
| Earnings coverage of net charge-offs (x) | 3.4917% | 3,335 |
| Efficiency ratio | 80.0095% | 2,416 |
| Assets per employee ($millions) | 2.5616% | 6,918 |
| Cash dividends to net income (ytd only)* | 27.6364% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,646 |
| Loan loss allowance to noncurrent loans | 55.1163% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 4,402 |
| Noncurrent loans to loans | 1.6801% | 3,978 |
| Net loans and leases to total assets | 61.8675% | 4,316 |
| Net loans and leases to deposits | 71.1995% | 4,648 |
| Net loans and leases to core deposits | 71.7861% | 5,237 |
| Total domestic deposits to total assets | 86.8931% | 2,881 |
| Equity capital to assets | 12.9410% | 1,417 |
| Core capital (leverage) ratio | 12.4920% | 1,320 |
| Tier 1 risk-based capital ratio | 18.3409% | 1,897 |
| Total risk-based capital ratio | 19.1656% | 1,988 |
| Memoranda: | ||
| Average total assets | $42,381,600 | 6,785 |
| Average earning assets | $39,120,800 | 6,756 |
| Average equity | $5,218,600 | 6,587 |
| Average total loans | $26,755,000 | 6,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 3,121 |
| Cost of funding earning assets | 0.7415% | 6,941 |
| Net interest margin | 4.6080% | 1,028 |
| Noninterest income to average assets | 0.7114% | 2,755 |
| Noninterest expense to average assets | 3.9066% | 1,192 |
| Loan and lease loss provision to assets | 0.2434% | 4,650 |
| Net operating income to assets | 0.5374% | 4,148 |
| Return on assets (ROA) | 0.6116% | 3,998 |
| Pretax return on assets | 0.9205% | 3,492 |
| Return on Equity (ROE) | 5.0282% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.0786% | 4,280 |
| Net charge-offs to loans | 0.3944% | 3,709 |
| Credit loss provision to net charge-offs | 97.5000% | 4,451 |
| Earnings coverage of net charge-offs (x) | 4.2126% | 3,151 |
| Efficiency ratio | 78.7917% | 2,518 |
| Assets per employee ($millions) | 2.6629% | 6,834 |
| Cash dividends to net income (ytd only)* | 38.7747% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 6,549 |
| Loan loss allowance to noncurrent loans | 107.4689% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 5,454 |
| Noncurrent loans to loans | 0.8886% | 5,460 |
| Net loans and leases to total assets | 63.0460% | 4,313 |
| Net loans and leases to deposits | 72.1922% | 4,815 |
| Net loans and leases to core deposits | 73.2593% | 5,381 |
| Total domestic deposits to total assets | 87.3307% | 2,356 |
| Equity capital to assets | 12.3407% | 1,948 |
| Core capital (leverage) ratio | 12.2303% | 1,549 |
| Tier 1 risk-based capital ratio | 17.0649% | 2,318 |
| Total risk-based capital ratio | 17.9162% | 2,436 |
| Memoranda: | ||
| Average total assets | $42,730,500 | 6,860 |
| Average earning assets | $39,379,750 | 6,820 |
| Average equity | $5,197,250 | 6,673 |
| Average total loans | $27,045,250 | 6,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 3,423 |
| Cost of funding earning assets | 0.7615% | 7,030 |
| Net interest margin | 4.5486% | 1,104 |
| Noninterest income to average assets | 0.6827% | 2,804 |
| Noninterest expense to average assets | 3.8670% | 1,237 |
| Loan and lease loss provision to assets | 0.1683% | 5,195 |
| Net operating income to assets | 0.5705% | 3,992 |
| Return on assets (ROA) | 0.5705% | 4,140 |
| Pretax return on assets | 0.8651% | 3,644 |
| Return on Equity (ROE) | 4.7132% | 4,433 |
| Retained earnings to average equity (ytd only) | 1.7771% | 4,973 |
| Net charge-offs to loans | 0.2887% | 3,893 |
| Credit loss provision to net charge-offs | 92.3077% | 4,354 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,620 |
| Efficiency ratio | 78.9122% | 2,587 |
| Assets per employee ($millions) | 2.6965% | 6,786 |
| Cash dividends to net income (ytd only)* | 62.2951% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 6,585 |
| Loan loss allowance to noncurrent loans | 79.8762% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 5,126 |
| Noncurrent loans to loans | 1.1942% | 4,969 |
| Net loans and leases to total assets | 62.0944% | 4,665 |
| Net loans and leases to deposits | 70.8786% | 5,151 |
| Net loans and leases to core deposits | 72.4838% | 5,624 |
| Total domestic deposits to total assets | 87.6066% | 2,202 |
| Equity capital to assets | 12.1245% | 2,026 |
| Core capital (leverage) ratio | 11.9788% | 1,650 |
| Tier 1 risk-based capital ratio | 16.8277% | 2,350 |
| Total risk-based capital ratio | 17.6759% | 2,448 |
| Memoranda: | ||
| Average total assets | $42,771,670 | 6,912 |
| Average earning assets | $39,660,330 | 6,860 |
| Average equity | $5,177,000 | 6,716 |
| Average total loans | $27,020,000 | 6,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 3,336 |
| Cost of funding earning assets | 0.7992% | 7,090 |
| Net interest margin | 4.5424% | 1,059 |
| Noninterest income to average assets | 0.6387% | 3,010 |
| Noninterest expense to average assets | 3.8980% | 1,171 |
| Loan and lease loss provision to assets | 0.1691% | 4,838 |
| Net operating income to assets | 0.5166% | 4,307 |
| Return on assets (ROA) | 0.5166% | 4,452 |
| Pretax return on assets | 0.7890% | 3,912 |
| Return on Equity (ROE) | 4.2718% | 4,770 |
| Retained earnings to average equity (ytd only) | -1.6311% | 6,146 |
| Net charge-offs to loans | 0.1333% | 4,153 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,655 |
| Efficiency ratio | 80.2708% | 2,525 |
| Assets per employee ($millions) | 2.6604% | 6,937 |
| Cash dividends to net income (ytd only)* | 138.1818% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 6,445 |
| Loan loss allowance to noncurrent loans | 95.4064% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 5,221 |
| Noncurrent loans to loans | 1.0518% | 5,239 |
| Net loans and leases to total assets | 62.5719% | 4,642 |
| Net loans and leases to deposits | 71.2337% | 5,162 |
| Net loans and leases to core deposits | 71.7847% | 5,743 |
| Total domestic deposits to total assets | 87.8403% | 2,147 |
| Equity capital to assets | 12.0610% | 2,012 |
| Core capital (leverage) ratio | 11.7553% | 1,773 |
| Tier 1 risk-based capital ratio | 16.6173% | 2,406 |
| Total risk-based capital ratio | 17.5056% | 2,498 |
| Memoranda: | ||
| Average total assets | $42,585,500 | 6,995 |
| Average earning assets | $39,538,500 | 6,946 |
| Average equity | $5,150,000 | 6,803 |
| Average total loans | $27,006,000 | 6,773 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 4,318 |
| Cost of funding earning assets | 0.9322% | 7,340 |
| Net interest margin | 4.5392% | 1,098 |
| Noninterest income to average assets | 0.7524% | 2,664 |
| Noninterest expense to average assets | 3.8544% | 1,587 |
| Loan and lease loss provision to assets | 0.2593% | 5,327 |
| Net operating income to assets | 0.5811% | 3,400 |
| Return on assets (ROA) | 0.4653% | 3,992 |
| Pretax return on assets | 0.6598% | 3,709 |
| Return on Equity (ROE) | 3.9600% | 4,103 |
| Retained earnings to average equity (ytd only) | 0.7881% | 4,458 |
| Net charge-offs to loans | 0.3380% | 4,541 |
| Credit loss provision to net charge-offs | 125.8427% | 4,151 |
| Earnings coverage of net charge-offs (x) | 5.0225% | 2,714 |
| Efficiency ratio | 78.8352% | 3,070 |
| Assets per employee ($millions) | 2.8403% | 6,582 |
| Cash dividends to net income (ytd only)* | 80.0995% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,569 |
| Loan loss allowance to noncurrent loans | 95.2555% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 5,215 |
| Noncurrent loans to loans | 1.0108% | 5,292 |
| Net loans and leases to total assets | 63.0129% | 4,806 |
| Net loans and leases to deposits | 71.7980% | 5,355 |
| Net loans and leases to core deposits | 83.1403% | 5,808 |
| Total domestic deposits to total assets | 87.7641% | 2,086 |
| Equity capital to assets | 12.1256% | 1,956 |
| Core capital (leverage) ratio | 11.5429% | 1,895 |
| Tier 1 risk-based capital ratio | 16.5617% | 2,290 |
| Total risk-based capital ratio | 17.4137% | 2,382 |
| Memoranda: | ||
| Average total assets | $43,197,600 | 6,985 |
| Average earning assets | $39,368,000 | 6,963 |
| Average equity | $5,075,800 | 6,915 |
| Average total loans | $26,335,000 | 6,839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 4,597 |
| Cost of funding earning assets | 0.9686% | 7,452 |
| Net interest margin | 4.4976% | 1,198 |
| Noninterest income to average assets | 0.7536% | 2,692 |
| Noninterest expense to average assets | 3.7711% | 1,656 |
| Loan and lease loss provision to assets | 0.1661% | 5,696 |
| Net operating income to assets | 0.6275% | 3,503 |
| Return on assets (ROA) | 0.4737% | 4,204 |
| Pretax return on assets | 0.7475% | 3,706 |
| Return on Equity (ROE) | 4.0633% | 4,351 |
| Retained earnings to average equity (ytd only) | -0.1846% | 5,258 |
| Net charge-offs to loans | 0.3213% | 4,028 |
| Credit loss provision to net charge-offs | 85.7143% | 5,601 |
| Earnings coverage of net charge-offs (x) | 5.5079% | 2,801 |
| Efficiency ratio | 77.9402% | 3,177 |
| Assets per employee ($millions) | 3.0467% | 6,048 |
| Cash dividends to net income (ytd only)* | 104.5439% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 6,984 |
| Loan loss allowance to noncurrent loans | 51.6930% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 5,122 |
| Noncurrent loans to loans | 1.6273% | 4,201 |
| Net loans and leases to total assets | 59.0665% | 5,731 |
| Net loans and leases to deposits | 66.7177% | 6,239 |
| Net loans and leases to core deposits | 75.9667% | 6,615 |
| Total domestic deposits to total assets | 88.5320% | 1,421 |
| Equity capital to assets | 11.2514% | 2,790 |
| Core capital (leverage) ratio | 11.3764% | 2,137 |
| Tier 1 risk-based capital ratio | 16.2239% | 2,549 |
| Total risk-based capital ratio | 16.9631% | 2,665 |
| Memoranda: | ||
| Average total assets | $43,346,000 | 7,022 |
| Average earning assets | $39,368,500 | 7,022 |
| Average equity | $5,053,250 | 6,980 |
| Average total loans | $26,142,000 | 6,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4800% | 4,733 |
| Cost of funding earning assets | 1.0295% | 7,492 |
| Net interest margin | 4.4506% | 1,290 |
| Noninterest income to average assets | 0.7378% | 2,776 |
| Noninterest expense to average assets | 3.8439% | 1,586 |
| Loan and lease loss provision to assets | 0.1692% | 5,375 |
| Net operating income to assets | 0.5122% | 4,038 |
| Return on assets (ROA) | 0.2772% | 5,094 |
| Pretax return on assets | 0.5122% | 4,578 |
| Return on Equity (ROE) | 2.3489% | 5,160 |
| Retained earnings to average equity (ytd only) | -4.0608% | 6,148 |
| Net charge-offs to loans | 0.3646% | 3,360 |
| Credit loss provision to net charge-offs | 76.5957% | 5,288 |
| Earnings coverage of net charge-offs (x) | 4.1489% | 3,199 |
| Efficiency ratio | 80.7502% | 2,927 |
| Assets per employee ($millions) | 2.9034% | 6,386 |
| Cash dividends to net income (ytd only)* | 272.8814% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 6,950 |
| Loan loss allowance to noncurrent loans | 66.7647% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7807% | 5,442 |
| Noncurrent loans to loans | 1.2834% | 4,632 |
| Net loans and leases to total assets | 60.3109% | 5,626 |
| Net loans and leases to deposits | 68.2021% | 6,168 |
| Net loans and leases to core deposits | 78.6195% | 6,508 |
| Total domestic deposits to total assets | 88.4297% | 1,558 |
| Equity capital to assets | 11.4349% | 2,579 |
| Core capital (leverage) ratio | 11.5806% | 2,044 |
| Tier 1 risk-based capital ratio | 16.4372% | 2,467 |
| Total risk-based capital ratio | 17.1939% | 2,586 |
| Memoranda: | ||
| Average total assets | $42,561,000 | 7,110 |
| Average earning assets | $38,467,000 | 7,113 |
| Average equity | $5,023,670 | 7,051 |
| Average total loans | $25,781,670 | 6,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 4,055 |
| Cost of funding earning assets | 1.0847% | 7,539 |
| Net interest margin | 4.5643% | 1,010 |
| Noninterest income to average assets | 0.7512% | 2,590 |
| Noninterest expense to average assets | 3.8606% | 1,368 |
| Loan and lease loss provision to assets | 0.1712% | 4,753 |
| Net operating income to assets | 0.4945% | 4,445 |
| Return on assets (ROA) | 0.4945% | 4,633 |
| Pretax return on assets | 0.7607% | 4,220 |
| Return on Equity (ROE) | 4.1225% | 4,876 |
| Retained earnings to average equity (ytd only) | -8.6414% | 6,976 |
| Net charge-offs to loans | 0.2045% | 3,407 |
| Credit loss provision to net charge-offs | 138.4615% | 2,936 |
| Earnings coverage of net charge-offs (x) | 7.5385% | 2,332 |
| Efficiency ratio | 80.5556% | 2,735 |
| Assets per employee ($millions) | 2.8166% | 6,600 |
| Cash dividends to net income (ytd only)* | 309.6154% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 6,374 |
| Loan loss allowance to noncurrent loans | 82.6531% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 5,419 |
| Noncurrent loans to loans | 1.1724% | 4,637 |
| Net loans and leases to total assets | 58.7801% | 5,836 |
| Net loans and leases to deposits | 66.8389% | 6,293 |
| Net loans and leases to core deposits | 76.8617% | 6,619 |
| Total domestic deposits to total assets | 87.9429% | 1,772 |
| Equity capital to assets | 11.8370% | 2,358 |
| Core capital (leverage) ratio | 11.5109% | 2,139 |
| Tier 1 risk-based capital ratio | 17.0292% | 2,332 |
| Total risk-based capital ratio | 17.8696% | 2,401 |
| Memoranda: | ||
| Average total assets | $42,066,000 | 7,163 |
| Average earning assets | $37,245,500 | 7,208 |
| Average equity | $5,045,500 | 7,094 |
| Average total loans | $25,426,000 | 7,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2097% | 4,468 |
| Cost of funding earning assets | 1.5065% | 7,598 |
| Net interest margin | 4.7033% | 963 |
| Noninterest income to average assets | 0.9454% | 1,790 |
| Noninterest expense to average assets | 3.8147% | 1,731 |
| Loan and lease loss provision to assets | 0.1953% | 4,925 |
| Net operating income to assets | 0.8334% | 3,292 |
| Return on assets (ROA) | 0.8334% | 3,137 |
| Pretax return on assets | 1.3216% | 2,237 |
| Return on Equity (ROE) | 7.1592% | 3,447 |
| Retained earnings to average equity (ytd only) | 3.8660% | 2,723 |
| Net charge-offs to loans | 0.4109% | 2,762 |
| Credit loss provision to net charge-offs | 78.8462% | 5,925 |
| Earnings coverage of net charge-offs (x) | 6.1250% | 3,434 |
| Efficiency ratio | 71.5498% | 4,022 |
| Assets per employee ($millions) | 2.7922% | 6,572 |
| Cash dividends to net income (ytd only)* | 46.0000% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,540 |
| Loan loss allowance to noncurrent loans | 57.7670% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 4,371 |
| Noncurrent loans to loans | 1.5984% | 3,374 |
| Net loans and leases to total assets | 60.9722% | 5,776 |
| Net loans and leases to deposits | 69.4960% | 6,327 |
| Net loans and leases to core deposits | 79.3395% | 6,662 |
| Total domestic deposits to total assets | 87.7349% | 1,586 |
| Equity capital to assets | 12.1529% | 2,188 |
| Core capital (leverage) ratio | 11.6887% | 2,133 |
| Tier 1 risk-based capital ratio | 17.0357% | 2,299 |
| Total risk-based capital ratio | 17.8414% | 2,386 |
| Memoranda: | ||
| Average total assets | $41,995,000 | 7,129 |
| Average earning assets | $39,164,400 | 7,077 |
| Average equity | $4,888,800 | 7,180 |
| Average total loans | $25,310,200 | 7,007 |