Home > Farmers & Traders Bank of Campton > Performance and Condition Ratios
Farmers & Traders Bank of Campton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 2,345 |
| Cost of funding earning assets | 0.9944% | 3,311 |
| Net interest margin | 3.8753% | 1,426 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.5898% | 2,033 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.2267% | 1,586 |
| Return on assets (ROA) | 1.2267% | 1,561 |
| Pretax return on assets | 1.2267% | 2,070 |
| Return on Equity (ROE) | 38.8500% | 91 |
| Retained earnings to average equity (ytd only) | 15.5689% | 290 |
| Net charge-offs to loans | 0.0819% | 1,045 |
| Credit loss provision to net charge-offs | 420.8333% | 762 |
| Earnings coverage of net charge-offs (x) | 37.5833% | 1,485 |
| Efficiency ratio | 65.2140% | 2,455 |
| Assets per employee ($millions) | 4.8166% | 3,762 |
| Cash dividends to net income (ytd only)* | 59.9251% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,266 |
| Loan loss allowance to noncurrent loans | 345.5882% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,219 |
| Noncurrent loans to loans | 0.4147% | 1,745 |
| Net loans and leases to total assets | 47.9300% | 3,729 |
| Net loans and leases to deposits | 52.4588% | 3,859 |
| Net loans and leases to core deposits | 61.7570% | 3,691 |
| Total domestic deposits to total assets | 91.3700% | 418 |
| Equity capital to assets | 4.1893% | 4,490 |
| Core capital (leverage) ratio | 8.8001% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1075% | 2,552 |
| Memoranda: | ||
| Average total assets | $65,295,600 | 4,163 |
| Average earning assets | $60,743,000 | 4,125 |
| Average equity | $2,061,800 | 4,486 |
| Average total loans | $29,308,600 | 4,149 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 2,192 |
| Cost of funding earning assets | 0.8818% | 3,318 |
| Net interest margin | 3.9546% | 1,287 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.6991% | 1,660 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2600% | 1,635 |
| Return on assets (ROA) | 1.2600% | 1,627 |
| Pretax return on assets | 1.2600% | 2,147 |
| Return on Equity (ROE) | 43.6100% | 98 |
| Retained earnings to average equity (ytd only) | 11.9719% | 974 |
| Net charge-offs to loans | 0.0469% | 1,220 |
| Credit loss provision to net charge-offs | 480.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,151 |
| Efficiency ratio | 66.5145% | 2,217 |
| Assets per employee ($millions) | 4.7600% | 3,767 |
| Cash dividends to net income (ytd only)* | 72.5490% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,459 |
| Loan loss allowance to noncurrent loans | 215.5000% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 1,811 |
| Noncurrent loans to loans | 0.6483% | 1,268 |
| Net loans and leases to total assets | 45.6500% | 3,847 |
| Net loans and leases to deposits | 49.9704% | 3,933 |
| Net loans and leases to core deposits | 55.9144% | 3,860 |
| Total domestic deposits to total assets | 91.3400% | 594 |
| Equity capital to assets | 2.0513% | 4,543 |
| Core capital (leverage) ratio | 8.6565% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8086% | 2,662 |
| Memoranda: | ||
| Average total assets | $64,761,250 | 4,184 |
| Average earning assets | $60,181,250 | 4,158 |
| Average equity | $1,871,000 | 4,517 |
| Average total loans | $28,437,500 | 4,178 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 2,135 |
| Cost of funding earning assets | 0.7860% | 3,249 |
| Net interest margin | 3.9535% | 1,319 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.7037% | 1,636 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2630% | 1,658 |
| Return on assets (ROA) | 1.2630% | 1,651 |
| Pretax return on assets | 1.2630% | 2,180 |
| Return on Equity (ROE) | 39.7300% | 106 |
| Retained earnings to average equity (ytd only) | 9.2202% | 1,624 |
| Net charge-offs to loans | 0.0434% | 1,071 |
| Credit loss provision to net charge-offs | 416.6667% | 714 |
| Earnings coverage of net charge-offs (x) | 71.6667% | 1,108 |
| Efficiency ratio | 66.8466% | 2,127 |
| Assets per employee ($millions) | 4.6141% | 3,882 |
| Cash dividends to net income (ytd only)* | 76.7901% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,464 |
| Loan loss allowance to noncurrent loans | 367.8571% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 2,340 |
| Noncurrent loans to loans | 0.3858% | 1,768 |
| Net loans and leases to total assets | 44.3100% | 3,866 |
| Net loans and leases to deposits | 48.1755% | 3,985 |
| Net loans and leases to core deposits | 55.6307% | 3,828 |
| Total domestic deposits to total assets | 91.9700% | 417 |
| Equity capital to assets | 3.0528% | 4,568 |
| Core capital (leverage) ratio | 8.7178% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9615% | 2,637 |
| Memoranda: | ||
| Average total assets | $64,135,000 | 4,206 |
| Average earning assets | $59,542,667 | 4,184 |
| Average equity | $2,039,000 | 4,541 |
| Average total loans | $27,633,667 | 4,202 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 1,994 |
| Cost of funding earning assets | 0.8309% | 2,593 |
| Net interest margin | 3.8099% | 1,669 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.7917% | 1,452 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1142% | 2,181 |
| Return on assets (ROA) | 1.1142% | 2,147 |
| Pretax return on assets | 1.1142% | 2,670 |
| Return on Equity (ROE) | 34.3500% | 169 |
| Retained earnings to average equity (ytd only) | -1.3510% | 4,157 |
| Net charge-offs to loans | 0.0891% | 635 |
| Credit loss provision to net charge-offs | 116.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 30.8333% | 1,295 |
| Efficiency ratio | 70.6815% | 1,680 |
| Assets per employee ($millions) | 4.6141% | 3,952 |
| Cash dividends to net income (ytd only)* | 103.9326% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,544 |
| Loan loss allowance to noncurrent loans | 333.8983% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 2,236 |
| Noncurrent loans to loans | 0.4254% | 1,659 |
| Net loans and leases to total assets | 42.3300% | 3,938 |
| Net loans and leases to deposits | 46.5427% | 4,017 |
| Net loans and leases to core deposits | 52.7136% | 3,879 |
| Total domestic deposits to total assets | 90.9400% | 824 |
| Equity capital to assets | 3.5311% | 4,572 |
| Core capital (leverage) ratio | 8.5665% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9353% | 2,744 |
| Memoranda: | ||
| Average total assets | $63,904,000 | 4,266 |
| Average earning assets | $59,213,500 | 4,245 |
| Average equity | $2,072,500 | 4,606 |
| Average total loans | $26,933,500 | 4,266 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 1,495 |
| Cost of funding earning assets | 0.5165% | 1,292 |
| Net interest margin | 3.5749% | 1,716 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.5207% | 2,046 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1701% | 1,892 |
| Return on assets (ROA) | 1.1639% | 1,849 |
| Pretax return on assets | 1.1639% | 2,554 |
| Return on Equity (ROE) | 21.1500% | 384 |
| Retained earnings to average equity (ytd only) | 8.3423% | 1,701 |
| Net charge-offs to loans | 0.0597% | 1,054 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 52.1333% | 1,328 |
| Efficiency ratio | 67.4438% | 2,027 |
| Assets per employee ($millions) | 4.5151% | 4,032 |
| Cash dividends to net income (ytd only)* | 60.5615% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,187 |
| Loan loss allowance to noncurrent loans | 235.3293% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 1,841 |
| Noncurrent loans to loans | 0.6391% | 1,157 |
| Net loans and leases to total assets | 40.7200% | 4,040 |
| Net loans and leases to deposits | 45.0943% | 4,081 |
| Net loans and leases to core deposits | 51.2230% | 3,933 |
| Total domestic deposits to total assets | 90.2900% | 1,240 |
| Equity capital to assets | 2.9489% | 4,608 |
| Core capital (leverage) ratio | 8.5984% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3608% | 2,628 |
| Memoranda: | ||
| Average total assets | $64,267,000 | 4,289 |
| Average earning assets | $59,637,600 | 4,270 |
| Average equity | $3,536,200 | 4,564 |
| Average total loans | $25,132,000 | 4,326 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 1,264 |
| Cost of funding earning assets | 0.4767% | 853 |
| Net interest margin | 3.5240% | 1,596 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5455% | 1,880 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1013% | 2,084 |
| Return on assets (ROA) | 1.0930% | 2,095 |
| Pretax return on assets | 1.0930% | 2,747 |
| Return on Equity (ROE) | 17.8400% | 664 |
| Retained earnings to average equity (ytd only) | 3.7427% | 3,533 |
| Net charge-offs to loans | 0.0375% | 1,125 |
| Credit loss provision to net charge-offs | 328.5714% | 772 |
| Earnings coverage of net charge-offs (x) | 79.4286% | 1,051 |
| Efficiency ratio | 68.9038% | 1,895 |
| Assets per employee ($millions) | 4.4671% | 4,081 |
| Cash dividends to net income (ytd only)* | 79.0170% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,144 |
| Loan loss allowance to noncurrent loans | 348.6726% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 2,387 |
| Noncurrent loans to loans | 0.4479% | 1,687 |
| Net loans and leases to total assets | 39.7100% | 4,082 |
| Net loans and leases to deposits | 44.3928% | 4,094 |
| Net loans and leases to core deposits | 50.5701% | 3,921 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 2.6719% | 4,613 |
| Core capital (leverage) ratio | 8.3239% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8880% | 2,849 |
| Memoranda: | ||
| Average total assets | $64,531,000 | 4,320 |
| Average earning assets | $59,854,000 | 4,299 |
| Average equity | $3,954,250 | 4,581 |
| Average total loans | $24,882,250 | 4,363 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 1,133 |
| Cost of funding earning assets | 0.4232% | 788 |
| Net interest margin | 3.4646% | 1,408 |
| Noninterest income to average assets | 0.3988% | 2,767 |
| Noninterest expense to average assets | 2.4818% | 1,992 |
| Loan and lease loss provision to assets | 0.0460% | 1,747 |
| Net operating income to assets | 1.0860% | 1,824 |
| Return on assets (ROA) | 1.0829% | 1,823 |
| Pretax return on assets | 1.0829% | 2,473 |
| Return on Equity (ROE) | 14.9724% | 900 |
| Retained earnings to average equity (ytd only) | 1.5693% | 3,867 |
| Net charge-offs to loans | 0.0646% | 769 |
| Credit loss provision to net charge-offs | 187.5000% | 999 |
| Earnings coverage of net charge-offs (x) | 46.1250% | 1,196 |
| Efficiency ratio | 68.6757% | 2,144 |
| Assets per employee ($millions) | 4.6959% | 3,933 |
| Cash dividends to net income (ytd only)* | 89.5184% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,357 |
| Loan loss allowance to noncurrent loans | 919.0476% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,339 |
| Noncurrent loans to loans | 0.1653% | 2,867 |
| Net loans and leases to total assets | 38.0579% | 4,165 |
| Net loans and leases to deposits | 40.6281% | 4,247 |
| Net loans and leases to core deposits | 48.8586% | 3,988 |
| Total domestic deposits to total assets | 93.6738% | 346 |
| Equity capital to assets | 4.6196% | 4,545 |
| Core capital (leverage) ratio | 8.2360% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5313% | 2,919 |
| Memoranda: | ||
| Average total assets | $65,195,000 | 4,351 |
| Average earning assets | $60,497,333 | 4,348 |
| Average equity | $4,715,333 | 4,548 |
| Average total loans | $24,766,333 | 4,413 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 1,099 |
| Cost of funding earning assets | 0.4104% | 817 |
| Net interest margin | 3.3822% | 1,344 |
| Noninterest income to average assets | 0.3820% | 2,798 |
| Noninterest expense to average assets | 2.4768% | 1,941 |
| Loan and lease loss provision to assets | 0.0493% | 1,488 |
| Net operating income to assets | 1.0043% | 1,868 |
| Return on assets (ROA) | 0.9981% | 1,886 |
| Pretax return on assets | 0.9981% | 2,448 |
| Return on Equity (ROE) | 11.6662% | 1,409 |
| Retained earnings to average equity (ytd only) | -1.5123% | 4,201 |
| Net charge-offs to loans | 0.0654% | 672 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 985 |
| Efficiency ratio | 70.1571% | 2,205 |
| Assets per employee ($millions) | 4.6748% | 4,016 |
| Cash dividends to net income (ytd only)* | 112.9630% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,349 |
| Loan loss allowance to noncurrent loans | 415.2174% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 2,806 |
| Noncurrent loans to loans | 0.3779% | 2,137 |
| Net loans and leases to total assets | 36.6113% | 4,173 |
| Net loans and leases to deposits | 40.0833% | 4,245 |
| Net loans and leases to core deposits | 48.4933% | 3,959 |
| Total domestic deposits to total assets | 91.3380% | 870 |
| Equity capital to assets | 7.0500% | 4,194 |
| Core capital (leverage) ratio | 8.3683% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8466% | 2,925 |
| Memoranda: | ||
| Average total assets | $64,921,500 | 4,378 |
| Average earning assets | $60,434,000 | 4,369 |
| Average equity | $5,554,500 | 4,514 |
| Average total loans | $24,446,500 | 4,435 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 1,638 |
| Cost of funding earning assets | 0.4663% | 1,087 |
| Net interest margin | 3.4249% | 1,947 |
| Noninterest income to average assets | 0.3871% | 3,122 |
| Noninterest expense to average assets | 2.4898% | 2,209 |
| Loan and lease loss provision to assets | 0.0594% | 1,873 |
| Net operating income to assets | 0.9879% | 2,722 |
| Return on assets (ROA) | 1.1790% | 2,059 |
| Pretax return on assets | 1.1790% | 2,736 |
| Return on Equity (ROE) | 11.3440% | 2,040 |
| Retained earnings to average equity (ytd only) | 4.6829% | 2,932 |
| Net charge-offs to loans | 0.0080% | 2,280 |
| Credit loss provision to net charge-offs | 1,850.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 380 |
| Efficiency ratio | 70.3906% | 1,697 |
| Assets per employee ($millions) | 4.5997% | 4,038 |
| Cash dividends to net income (ytd only)* | 58.7193% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 1,427 |
| Loan loss allowance to noncurrent loans | 1,512.0000% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 3,738 |
| Noncurrent loans to loans | 0.1018% | 3,419 |
| Net loans and leases to total assets | 37.5365% | 4,219 |
| Net loans and leases to deposits | 45.5723% | 4,118 |
| Net loans and leases to core deposits | 51.7823% | 3,905 |
| Total domestic deposits to total assets | 82.3669% | 3,909 |
| Equity capital to assets | 10.0860% | 2,575 |
| Core capital (leverage) ratio | 8.6208% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4517% | 2,784 |
| Memoranda: | ||
| Average total assets | $62,254,400 | 4,424 |
| Average earning assets | $57,256,800 | 4,425 |
| Average equity | $6,470,400 | 4,482 |
| Average total loans | $25,054,800 | 4,473 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 1,888 |
| Cost of funding earning assets | 0.4733% | 1,195 |
| Net interest margin | 3.3883% | 2,187 |
| Noninterest income to average assets | 0.3953% | 3,120 |
| Noninterest expense to average assets | 2.6118% | 1,807 |
| Loan and lease loss provision to assets | 0.0583% | 1,822 |
| Net operating income to assets | 0.8339% | 3,436 |
| Return on assets (ROA) | 1.0866% | 2,658 |
| Pretax return on assets | 1.0866% | 3,226 |
| Return on Equity (ROE) | 10.3748% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.2276% | 4,130 |
| Net charge-offs to loans | -0.0053% | 3,451 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5376% | 1,169 |
| Assets per employee ($millions) | 5.9664% | 2,730 |
| Cash dividends to net income (ytd only)* | 78.5288% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,684 |
| Loan loss allowance to noncurrent loans | 319.8276% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,936 |
| Noncurrent loans to loans | 0.4650% | 2,164 |
| Net loans and leases to total assets | 37.4417% | 4,325 |
| Net loans and leases to deposits | 46.3860% | 4,216 |
| Net loans and leases to core deposits | 53.0987% | 3,971 |
| Total domestic deposits to total assets | 80.7177% | 4,126 |
| Equity capital to assets | 9.8644% | 3,032 |
| Core capital (leverage) ratio | 8.3675% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9014% | 2,984 |
| Memoranda: | ||
| Average total assets | $61,719,000 | 4,490 |
| Average earning assets | $56,624,750 | 4,490 |
| Average equity | $6,464,250 | 4,545 |
| Average total loans | $25,181,000 | 4,529 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 1,715 |
| Cost of funding earning assets | 0.4883% | 1,274 |
| Net interest margin | 3.4505% | 2,005 |
| Noninterest income to average assets | 0.4138% | 3,040 |
| Noninterest expense to average assets | 2.6483% | 1,733 |
| Loan and lease loss provision to assets | 0.0596% | 1,840 |
| Net operating income to assets | 0.8640% | 3,319 |
| Return on assets (ROA) | 1.1090% | 2,578 |
| Pretax return on assets | 1.1090% | 3,185 |
| Return on Equity (ROE) | 10.3699% | 2,628 |
| Retained earnings to average equity (ytd only) | 2.2288% | 4,061 |
| Net charge-offs to loans | -0.0079% | 3,588 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1427% | 1,235 |
| Assets per employee ($millions) | 5.7752% | 2,826 |
| Cash dividends to net income (ytd only)* | 78.5075% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,885 |
| Loan loss allowance to noncurrent loans | 312.0690% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 3,050 |
| Noncurrent loans to loans | 0.4551% | 2,312 |
| Net loans and leases to total assets | 39.5501% | 4,305 |
| Net loans and leases to deposits | 48.1147% | 4,208 |
| Net loans and leases to core deposits | 55.1846% | 3,954 |
| Total domestic deposits to total assets | 82.1997% | 3,885 |
| Equity capital to assets | 10.4979% | 2,392 |
| Core capital (leverage) ratio | 8.7681% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3859% | 2,884 |
| Memoranda: | ||
| Average total assets | $60,415,333 | 4,536 |
| Average earning assets | $55,296,667 | 4,533 |
| Average equity | $6,461,000 | 4,574 |
| Average total loans | $25,260,000 | 4,564 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 1,460 |
| Cost of funding earning assets | 0.5067% | 1,352 |
| Net interest margin | 3.5619% | 1,671 |
| Noninterest income to average assets | 0.4757% | 2,725 |
| Noninterest expense to average assets | 2.7115% | 1,597 |
| Loan and lease loss provision to assets | 0.0612% | 1,901 |
| Net operating income to assets | 0.9514% | 2,966 |
| Return on assets (ROA) | 1.4543% | 1,502 |
| Pretax return on assets | 1.4543% | 2,124 |
| Return on Equity (ROE) | 13.4655% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.2720% | 3,697 |
| Net charge-offs to loans | 0.0318% | 1,167 |
| Credit loss provision to net charge-offs | 450.0000% | 615 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 733 |
| Efficiency ratio | 72.8102% | 1,420 |
| Assets per employee ($millions) | 5.3441% | 3,285 |
| Cash dividends to net income (ytd only)* | 75.7009% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,005 |
| Loan loss allowance to noncurrent loans | 301.7241% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 3,177 |
| Noncurrent loans to loans | 0.4605% | 2,472 |
| Net loans and leases to total assets | 42.2523% | 4,215 |
| Net loans and leases to deposits | 48.2198% | 4,255 |
| Net loans and leases to core deposits | 55.4086% | 4,016 |
| Total domestic deposits to total assets | 87.6244% | 2,032 |
| Equity capital to assets | 10.6575% | 2,123 |
| Core capital (leverage) ratio | 9.0825% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6568% | 2,424 |
| Memoranda: | ||
| Average total assets | $58,859,500 | 4,569 |
| Average earning assets | $53,679,500 | 4,569 |
| Average equity | $6,357,000 | 4,601 |
| Average total loans | $25,146,500 | 4,591 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 1,853 |
| Cost of funding earning assets | 0.5906% | 2,385 |
| Net interest margin | 3.7155% | 1,744 |
| Noninterest income to average assets | 0.4481% | 2,872 |
| Noninterest expense to average assets | 2.9981% | 1,442 |
| Loan and lease loss provision to assets | 0.0703% | 3,504 |
| Net operating income to assets | 0.7481% | 3,267 |
| Return on assets (ROA) | 1.0766% | 2,142 |
| Pretax return on assets | 1.0766% | 2,785 |
| Return on Equity (ROE) | 9.4261% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.7405% | 2,959 |
| Net charge-offs to loans | 0.0726% | 1,760 |
| Credit loss provision to net charge-offs | 205.5556% | 2,138 |
| Earnings coverage of net charge-offs (x) | 23.9444% | 1,790 |
| Efficiency ratio | 78.5572% | 993 |
| Assets per employee ($millions) | 5.3576% | 2,989 |
| Cash dividends to net income (ytd only)* | 60.3175% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,119 |
| Loan loss allowance to noncurrent loans | 295.6897% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,299 |
| Noncurrent loans to loans | 0.4621% | 2,582 |
| Net loans and leases to total assets | 42.0165% | 4,350 |
| Net loans and leases to deposits | 51.0525% | 4,265 |
| Net loans and leases to core deposits | 59.2010% | 3,989 |
| Total domestic deposits to total assets | 82.3005% | 3,594 |
| Equity capital to assets | 10.9427% | 2,306 |
| Core capital (leverage) ratio | 9.3697% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4497% | 2,472 |
| Memoranda: | ||
| Average total assets | $52,666,600 | 4,619 |
| Average earning assets | $47,746,400 | 4,617 |
| Average equity | $6,015,200 | 4,644 |
| Average total loans | $24,781,200 | 4,621 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 1,866 |
| Cost of funding earning assets | 0.6049% | 2,579 |
| Net interest margin | 3.7876% | 1,655 |
| Noninterest income to average assets | 0.4749% | 2,718 |
| Noninterest expense to average assets | 3.1676% | 1,128 |
| Loan and lease loss provision to assets | 0.0705% | 3,446 |
| Net operating income to assets | 0.6680% | 3,572 |
| Return on assets (ROA) | 1.1194% | 2,038 |
| Pretax return on assets | 1.1194% | 2,679 |
| Return on Equity (ROE) | 9.6836% | 2,138 |
| Retained earnings to average equity (ytd only) | 3.0247% | 3,514 |
| Net charge-offs to loans | 0.0594% | 1,757 |
| Credit loss provision to net charge-offs | 245.4545% | 1,938 |
| Earnings coverage of net charge-offs (x) | 25.7273% | 1,713 |
| Efficiency ratio | 81.0955% | 789 |
| Assets per employee ($millions) | 4.5712% | 3,756 |
| Cash dividends to net income (ytd only)* | 68.7646% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 44.6184% | 4,392 |
| Net loans and leases to deposits | 51.5339% | 4,434 |
| Net loans and leases to core deposits | 59.9525% | 4,205 |
| Total domestic deposits to total assets | 86.5807% | 1,820 |
| Equity capital to assets | 11.4066% | 2,076 |
| Core capital (leverage) ratio | 9.5835% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6810% | 2,331 |
| Memoranda: | ||
| Average total assets | $51,099,750 | 4,657 |
| Average earning assets | $46,290,750 | 4,664 |
| Average equity | $5,906,750 | 4,677 |
| Average total loans | $24,700,250 | 4,652 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,092 |
| Cost of funding earning assets | 0.6359% | 2,779 |
| Net interest margin | 3.8063% | 1,820 |
| Noninterest income to average assets | 0.5457% | 2,370 |
| Noninterest expense to average assets | 3.2218% | 1,119 |
| Loan and lease loss provision to assets | 0.0722% | 3,399 |
| Net operating income to assets | 0.6861% | 3,442 |
| Return on assets (ROA) | 0.9148% | 2,759 |
| Pretax return on assets | 0.9148% | 3,269 |
| Return on Equity (ROE) | 7.8756% | 2,798 |
| Retained earnings to average equity (ytd only) | 0.7599% | 4,147 |
| Net charge-offs to loans | 0.0081% | 2,655 |
| Credit loss provision to net charge-offs | 1,800.0000% | 528 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 474 |
| Efficiency ratio | 80.9476% | 820 |
| Assets per employee ($millions) | 4.4490% | 3,851 |
| Cash dividends to net income (ytd only)* | 90.3509% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,960 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 45.5777% | 4,385 |
| Net loans and leases to deposits | 56.8369% | 4,267 |
| Net loans and leases to core deposits | 62.1628% | 4,172 |
| Total domestic deposits to total assets | 80.1903% | 3,796 |
| Equity capital to assets | 11.3003% | 2,121 |
| Core capital (leverage) ratio | 9.8432% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0421% | 2,160 |
| Memoranda: | ||
| Average total assets | $49,848,333 | 4,693 |
| Average earning assets | $44,978,000 | 4,700 |
| Average equity | $5,790,000 | 4,713 |
| Average total loans | $24,662,000 | 4,671 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 2,194 |
| Cost of funding earning assets | 0.6868% | 2,986 |
| Net interest margin | 3.8516% | 1,819 |
| Noninterest income to average assets | 0.6822% | 1,718 |
| Noninterest expense to average assets | 3.3029% | 1,222 |
| Loan and lease loss provision to assets | 0.0749% | 2,799 |
| Net operating income to assets | 0.7571% | 3,067 |
| Return on assets (ROA) | 0.7571% | 3,144 |
| Pretax return on assets | 0.7571% | 3,529 |
| Return on Equity (ROE) | 6.4215% | 3,160 |
| Retained earnings to average equity (ytd only) | -3.0343% | 4,357 |
| Net charge-offs to loans | -0.0162% | 4,252 |
| Credit loss provision to net charge-offs | -900.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8793% | 1,151 |
| Assets per employee ($millions) | 4.1163% | 3,761 |
| Cash dividends to net income (ytd only)* | 147.2527% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,851 |
| Loan loss allowance to noncurrent loans | 3,340.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 3,922 |
| Noncurrent loans to loans | 0.0408% | 4,394 |
| Net loans and leases to total assets | 48.9675% | 4,291 |
| Net loans and leases to deposits | 61.5690% | 4,125 |
| Net loans and leases to core deposits | 67.8961% | 3,995 |
| Total domestic deposits to total assets | 79.5328% | 3,948 |
| Equity capital to assets | 11.2357% | 2,653 |
| Core capital (leverage) ratio | 10.5572% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8394% | 1,963 |
| Memoranda: | ||
| Average total assets | $48,078,500 | 4,742 |
| Average earning assets | $43,098,500 | 4,756 |
| Average equity | $5,668,500 | 4,765 |
| Average total loans | $24,656,000 | 4,703 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 2,136 |
| Cost of funding earning assets | 0.7324% | 3,008 |
| Net interest margin | 4.0375% | 1,721 |
| Noninterest income to average assets | 0.6413% | 2,036 |
| Noninterest expense to average assets | 3.3255% | 1,250 |
| Loan and lease loss provision to assets | 0.1041% | 1,985 |
| Net operating income to assets | 0.8176% | 3,502 |
| Return on assets (ROA) | 0.8728% | 3,396 |
| Pretax return on assets | 0.8728% | 3,817 |
| Return on Equity (ROE) | 7.3966% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.7895% | 3,646 |
| Net charge-offs to loans | 0.0580% | 2,272 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,549 |
| Efficiency ratio | 78.3000% | 1,114 |
| Assets per employee ($millions) | 3.5970% | 4,376 |
| Cash dividends to net income (ytd only)* | 62.2871% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 1,888 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,806 |
| Noncurrent loans to loans | 0.0726% | 4,240 |
| Net loans and leases to total assets | 52.3214% | 4,200 |
| Net loans and leases to deposits | 64.3537% | 4,054 |
| Net loans and leases to core deposits | 71.1966% | 3,900 |
| Total domestic deposits to total assets | 81.3028% | 3,700 |
| Equity capital to assets | 12.3757% | 1,898 |
| Core capital (leverage) ratio | 10.7735% | 2,697 |
| Tier 1 risk-based capital ratio | 15.0884% | 2,748 |
| Total risk-based capital ratio | 16.0746% | 2,783 |
| Memoranda: | ||
| Average total assets | $47,090,600 | 4,798 |
| Average earning assets | $42,055,600 | 4,814 |
| Average equity | $5,556,600 | 4,822 |
| Average total loans | $24,139,200 | 4,778 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 2,286 |
| Cost of funding earning assets | 0.7400% | 3,014 |
| Net interest margin | 4.0034% | 1,922 |
| Noninterest income to average assets | 0.6501% | 1,987 |
| Noninterest expense to average assets | 3.4171% | 1,056 |
| Loan and lease loss provision to assets | 0.1018% | 1,887 |
| Net operating income to assets | 0.7094% | 3,980 |
| Return on assets (ROA) | 0.7377% | 3,955 |
| Pretax return on assets | 0.7377% | 4,265 |
| Return on Equity (ROE) | 6.3282% | 3,944 |
| Retained earnings to average equity (ytd only) | 0.9942% | 4,570 |
| Net charge-offs to loans | 0.0167% | 2,809 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 95.6650% | 775 |
| Efficiency ratio | 80.8155% | 851 |
| Assets per employee ($millions) | 3.5859% | 4,410 |
| Cash dividends to net income (ytd only)* | 84.2927% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,070 |
| Loan loss allowance to noncurrent loans | 480.5970% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,429 |
| Noncurrent loans to loans | 0.2662% | 3,591 |
| Net loans and leases to total assets | 53.3046% | 4,231 |
| Net loans and leases to deposits | 61.6448% | 4,312 |
| Net loans and leases to core deposits | 69.4591% | 4,078 |
| Total domestic deposits to total assets | 86.4706% | 1,781 |
| Equity capital to assets | 12.3238% | 2,027 |
| Core capital (leverage) ratio | 10.6010% | 3,008 |
| Tier 1 risk-based capital ratio | 14.8950% | 2,903 |
| Total risk-based capital ratio | 15.8851% | 2,939 |
| Memoranda: | ||
| Average total assets | $47,173,000 | 4,867 |
| Average earning assets | $42,163,250 | 4,882 |
| Average equity | $5,499,000 | 4,892 |
| Average total loans | $23,976,500 | 4,855 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,277 |
| Cost of funding earning assets | 0.7820% | 2,731 |
| Net interest margin | 3.9481% | 2,100 |
| Noninterest income to average assets | 0.6419% | 1,965 |
| Noninterest expense to average assets | 3.3869% | 1,130 |
| Loan and lease loss provision to assets | 0.1014% | 1,848 |
| Net operating income to assets | 0.6715% | 4,096 |
| Return on assets (ROA) | 0.6799% | 4,124 |
| Pretax return on assets | 0.6799% | 4,376 |
| Return on Equity (ROE) | 5.9442% | 4,060 |
| Retained earnings to average equity (ytd only) | 1.6245% | 4,236 |
| Net charge-offs to loans | 0.0594% | 1,800 |
| Credit loss provision to net charge-offs | 342.8571% | 819 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 1,578 |
| Efficiency ratio | 81.4213% | 845 |
| Assets per employee ($millions) | 3.8531% | 4,059 |
| Cash dividends to net income (ytd only)* | 72.6708% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,131 |
| Loan loss allowance to noncurrent loans | 291.4286% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 3,070 |
| Noncurrent loans to loans | 0.4365% | 2,969 |
| Net loans and leases to total assets | 51.3658% | 4,394 |
| Net loans and leases to deposits | 61.0085% | 4,376 |
| Net loans and leases to core deposits | 66.3500% | 4,299 |
| Total domestic deposits to total assets | 84.1945% | 2,781 |
| Equity capital to assets | 12.2694% | 2,009 |
| Core capital (leverage) ratio | 10.3375% | 3,255 |
| Tier 1 risk-based capital ratio | 15.4523% | 2,640 |
| Total risk-based capital ratio | 16.4280% | 2,691 |
| Memoranda: | ||
| Average total assets | $47,358,330 | 4,902 |
| Average earning assets | $42,197,670 | 4,918 |
| Average equity | $5,417,000 | 4,933 |
| Average total loans | $23,578,330 | 4,900 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 2,231 |
| Cost of funding earning assets | 0.8066% | 2,499 |
| Net interest margin | 3.8925% | 2,211 |
| Noninterest income to average assets | 0.6928% | 1,638 |
| Noninterest expense to average assets | 3.3557% | 1,179 |
| Loan and lease loss provision to assets | 0.1002% | 1,754 |
| Net operating income to assets | 0.7012% | 3,927 |
| Return on assets (ROA) | 0.7012% | 3,973 |
| Pretax return on assets | 0.7012% | 4,295 |
| Return on Equity (ROE) | 6.3528% | 3,890 |
| Retained earnings to average equity (ytd only) | -2.4957% | 4,780 |
| Net charge-offs to loans | 0.0686% | 1,370 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,459 |
| Efficiency ratio | 80.7229% | 987 |
| Assets per employee ($millions) | 3.9892% | 3,941 |
| Cash dividends to net income (ytd only)* | 139.2857% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,323 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 3,428 |
| Noncurrent loans to loans | 0.3243% | 3,402 |
| Net loans and leases to total assets | 48.9827% | 4,527 |
| Net loans and leases to deposits | 63.5189% | 4,212 |
| Net loans and leases to core deposits | 69.4015% | 4,111 |
| Total domestic deposits to total assets | 77.1151% | 4,642 |
| Equity capital to assets | 11.1657% | 2,691 |
| Core capital (leverage) ratio | 10.1483% | 3,439 |
| Tier 1 risk-based capital ratio | 14.6485% | 3,035 |
| Total risk-based capital ratio | 15.5606% | 3,119 |
| Memoranda: | ||
| Average total assets | $47,919,000 | 4,937 |
| Average earning assets | $42,646,000 | 4,967 |
| Average equity | $5,289,000 | 4,993 |
| Average total loans | $23,339,500 | 4,962 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 2,094 |
| Cost of funding earning assets | 0.5850% | 2,817 |
| Net interest margin | 4.0312% | 1,886 |
| Noninterest income to average assets | 0.7104% | 1,814 |
| Noninterest expense to average assets | 3.2810% | 1,367 |
| Loan and lease loss provision to assets | 0.1387% | 1,553 |
| Net operating income to assets | 0.8681% | 3,544 |
| Return on assets (ROA) | 0.8618% | 3,566 |
| Pretax return on assets | 0.8618% | 4,001 |
| Return on Equity (ROE) | 7.9612% | 3,455 |
| Retained earnings to average equity (ytd only) | 1.4951% | 4,535 |
| Net charge-offs to loans | 0.2778% | 697 |
| Credit loss provision to net charge-offs | 104.7619% | 2,429 |
| Earnings coverage of net charge-offs (x) | 7.6032% | 2,975 |
| Efficiency ratio | 76.5196% | 1,290 |
| Assets per employee ($millions) | 3.9973% | 3,895 |
| Cash dividends to net income (ytd only)* | 81.2195% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,249 |
| Loan loss allowance to noncurrent loans | 175.1515% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 1,683 |
| Noncurrent loans to loans | 0.7195% | 2,185 |
| Net loans and leases to total assets | 47.2086% | 4,683 |
| Net loans and leases to deposits | 57.6165% | 4,590 |
| Net loans and leases to core deposits | 61.7451% | 4,549 |
| Total domestic deposits to total assets | 81.9359% | 3,658 |
| Equity capital to assets | 10.9094% | 2,783 |
| Core capital (leverage) ratio | 10.4677% | 3,066 |
| Tier 1 risk-based capital ratio | 15.0900% | 2,791 |
| Total risk-based capital ratio | 15.9980% | 2,874 |
| Memoranda: | ||
| Average total assets | $47,576,400 | 4,985 |
| Average earning assets | $42,220,800 | 5,009 |
| Average equity | $5,150,000 | 5,031 |
| Average total loans | $22,680,000 | 5,012 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 2,054 |
| Cost of funding earning assets | 0.5779% | 2,649 |
| Net interest margin | 3.9979% | 1,966 |
| Noninterest income to average assets | 0.7498% | 1,674 |
| Noninterest expense to average assets | 3.4766% | 1,013 |
| Loan and lease loss provision to assets | 0.1264% | 1,592 |
| Net operating income to assets | 0.7021% | 4,219 |
| Return on assets (ROA) | 0.7021% | 4,228 |
| Pretax return on assets | 0.7021% | 4,529 |
| Return on Equity (ROE) | 6.4986% | 4,105 |
| Retained earnings to average equity (ytd only) | 0.3379% | 4,983 |
| Net charge-offs to loans | 0.2535% | 668 |
| Credit loss provision to net charge-offs | 104.6512% | 2,189 |
| Earnings coverage of net charge-offs (x) | 6.8606% | 2,846 |
| Efficiency ratio | 80.7567% | 879 |
| Assets per employee ($millions) | 3.8196% | 4,152 |
| Cash dividends to net income (ytd only)* | 94.7979% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,158 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 1,514 |
| Noncurrent loans to loans | 0.8848% | 1,929 |
| Net loans and leases to total assets | 48.1924% | 4,710 |
| Net loans and leases to deposits | 55.9060% | 4,754 |
| Net loans and leases to core deposits | 59.8878% | 4,707 |
| Total domestic deposits to total assets | 86.2027% | 2,097 |
| Equity capital to assets | 10.8149% | 2,833 |
| Core capital (leverage) ratio | 10.0629% | 3,571 |
| Tier 1 risk-based capital ratio | 16.0813% | 2,414 |
| Total risk-based capital ratio | 17.0586% | 2,458 |
| Memoranda: | ||
| Average total assets | $47,478,500 | 5,039 |
| Average earning assets | $42,221,500 | 5,070 |
| Average equity | $5,129,250 | 5,092 |
| Average total loans | $22,616,500 | 5,075 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,935 |
| Cost of funding earning assets | 0.5671% | 2,454 |
| Net interest margin | 3.9839% | 1,915 |
| Noninterest income to average assets | 0.7829% | 1,527 |
| Noninterest expense to average assets | 3.4231% | 1,109 |
| Loan and lease loss provision to assets | 0.1249% | 1,582 |
| Net operating income to assets | 0.7746% | 3,938 |
| Return on assets (ROA) | 0.7746% | 3,944 |
| Pretax return on assets | 0.7746% | 4,323 |
| Return on Equity (ROE) | 7.1722% | 3,844 |
| Retained earnings to average equity (ytd only) | 1.1568% | 4,721 |
| Net charge-offs to loans | 0.1410% | 1,075 |
| Credit loss provision to net charge-offs | 187.5000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,146 |
| Efficiency ratio | 79.1908% | 1,098 |
| Assets per employee ($millions) | 3.9827% | 3,924 |
| Cash dividends to net income (ytd only)* | 83.8710% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,010 |
| Loan loss allowance to noncurrent loans | 84.9858% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 1,626 |
| Noncurrent loans to loans | 1.5712% | 1,040 |
| Net loans and leases to total assets | 46.3822% | 4,801 |
| Net loans and leases to deposits | 56.8676% | 4,707 |
| Net loans and leases to core deposits | 60.9737% | 4,657 |
| Total domestic deposits to total assets | 81.5618% | 3,852 |
| Equity capital to assets | 10.5938% | 3,033 |
| Core capital (leverage) ratio | 9.9346% | 3,657 |
| Tier 1 risk-based capital ratio | 15.7732% | 2,525 |
| Total risk-based capital ratio | 16.7684% | 2,574 |
| Memoranda: | ||
| Average total assets | $48,026,330 | 5,088 |
| Average earning assets | $42,672,000 | 5,115 |
| Average equity | $5,186,670 | 5,136 |
| Average total loans | $22,696,330 | 5,133 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 2,198 |
| Cost of funding earning assets | 0.5476% | 2,426 |
| Net interest margin | 3.8514% | 2,218 |
| Noninterest income to average assets | 0.7810% | 1,516 |
| Noninterest expense to average assets | 3.3982% | 1,167 |
| Loan and lease loss provision to assets | 0.1246% | 1,511 |
| Net operating income to assets | 0.7062% | 4,075 |
| Return on assets (ROA) | 0.7062% | 4,084 |
| Pretax return on assets | 0.7062% | 4,425 |
| Return on Equity (ROE) | 6.4780% | 3,996 |
| Retained earnings to average equity (ytd only) | -1.1432% | 4,926 |
| Net charge-offs to loans | 0.2981% | 510 |
| Credit loss provision to net charge-offs | 88.2353% | 1,678 |
| Earnings coverage of net charge-offs (x) | 5.8824% | 2,193 |
| Efficiency ratio | 80.3536% | 1,100 |
| Assets per employee ($millions) | 4.0190% | 3,942 |
| Cash dividends to net income (ytd only)* | 117.6471% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,474 |
| Loan loss allowance to noncurrent loans | 76.1394% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 1,312 |
| Noncurrent loans to loans | 1.6516% | 1,043 |
| Net loans and leases to total assets | 46.2387% | 4,784 |
| Net loans and leases to deposits | 57.2852% | 4,626 |
| Net loans and leases to core deposits | 60.9789% | 4,614 |
| Total domestic deposits to total assets | 80.7166% | 4,271 |
| Equity capital to assets | 10.6059% | 2,964 |
| Core capital (leverage) ratio | 10.0164% | 3,518 |
| Tier 1 risk-based capital ratio | 15.4191% | 2,691 |
| Total risk-based capital ratio | 16.3486% | 2,765 |
| Memoranda: | ||
| Average total assets | $48,143,500 | 5,143 |
| Average earning assets | $43,101,000 | 5,162 |
| Average equity | $5,248,500 | 5,179 |
| Average total loans | $22,811,000 | 5,184 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 1,977 |
| Cost of funding earning assets | 0.5197% | 2,179 |
| Net interest margin | 3.8987% | 2,091 |
| Noninterest income to average assets | 0.6459% | 2,221 |
| Noninterest expense to average assets | 3.2501% | 1,506 |
| Loan and lease loss provision to assets | 0.1255% | 1,823 |
| Net operating income to assets | 0.7734% | 3,283 |
| Return on assets (ROA) | 0.7796% | 3,292 |
| Pretax return on assets | 0.7796% | 4,304 |
| Return on Equity (ROE) | 7.1032% | 3,216 |
| Retained earnings to average equity (ytd only) | 0.6372% | 4,787 |
| Net charge-offs to loans | 0.2976% | 875 |
| Credit loss provision to net charge-offs | 93.8462% | 2,716 |
| Earnings coverage of net charge-offs (x) | 6.7231% | 3,145 |
| Efficiency ratio | 78.3342% | 1,308 |
| Assets per employee ($millions) | 4.0049% | 3,946 |
| Cash dividends to net income (ytd only)* | 91.0290% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,522 |
| Loan loss allowance to noncurrent loans | 99.3056% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 1,363 |
| Noncurrent loans to loans | 1.2501% | 1,410 |
| Net loans and leases to total assets | 47.3418% | 4,809 |
| Net loans and leases to deposits | 59.3118% | 4,610 |
| Net loans and leases to core deposits | 63.1965% | 4,587 |
| Total domestic deposits to total assets | 79.8186% | 4,372 |
| Equity capital to assets | 11.1987% | 2,430 |
| Core capital (leverage) ratio | 9.8717% | 3,613 |
| Tier 1 risk-based capital ratio | 15.2177% | 2,734 |
| Total risk-based capital ratio | 16.1386% | 2,833 |
| Memoranda: | ||
| Average total assets | $48,613,800 | 5,180 |
| Average earning assets | $43,681,200 | 5,195 |
| Average equity | $5,335,600 | 5,216 |
| Average total loans | $21,844,800 | 5,263 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 1,928 |
| Cost of funding earning assets | 0.5148% | 2,152 |
| Net interest margin | 3.8964% | 2,053 |
| Noninterest income to average assets | 0.7056% | 1,970 |
| Noninterest expense to average assets | 3.3803% | 1,189 |
| Loan and lease loss provision to assets | 0.1231% | 1,759 |
| Net operating income to assets | 0.7001% | 3,982 |
| Return on assets (ROA) | 0.7165% | 3,951 |
| Pretax return on assets | 0.7165% | 4,572 |
| Return on Equity (ROE) | 6.5612% | 3,882 |
| Retained earnings to average equity (ytd only) | 1.1520% | 4,931 |
| Net charge-offs to loans | 0.1795% | 1,171 |
| Credit loss provision to net charge-offs | 155.1724% | 1,647 |
| Earnings coverage of net charge-offs (x) | 10.3781% | 2,600 |
| Efficiency ratio | 80.4164% | 1,059 |
| Assets per employee ($millions) | 4.0073% | 3,982 |
| Cash dividends to net income (ytd only)* | 82.4430% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 2,084 |
| Loan loss allowance to noncurrent loans | 100.3279% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 1,705 |
| Noncurrent loans to loans | 1.3546% | 1,391 |
| Net loans and leases to total assets | 46.1862% | 4,926 |
| Net loans and leases to deposits | 57.3650% | 4,799 |
| Net loans and leases to core deposits | 61.0853% | 4,765 |
| Total domestic deposits to total assets | 80.5128% | 4,203 |
| Equity capital to assets | 11.3459% | 2,526 |
| Core capital (leverage) ratio | 9.7417% | 3,890 |
| Tier 1 risk-based capital ratio | 16.5438% | 2,310 |
| Total risk-based capital ratio | 17.6125% | 2,313 |
| Memoranda: | ||
| Average total assets | $48,752,500 | 5,238 |
| Average earning assets | $43,766,250 | 5,250 |
| Average equity | $5,324,000 | 5,275 |
| Average total loans | $21,546,500 | 5,324 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 1,914 |
| Cost of funding earning assets | 0.5103% | 2,084 |
| Net interest margin | 3.8593% | 2,064 |
| Noninterest income to average assets | 0.7718% | 1,681 |
| Noninterest expense to average assets | 3.3365% | 1,301 |
| Loan and lease loss provision to assets | 0.1225% | 1,690 |
| Net operating income to assets | 0.7718% | 3,533 |
| Return on assets (ROA) | 0.7759% | 3,566 |
| Pretax return on assets | 0.7759% | 4,352 |
| Return on Equity (ROE) | 7.1970% | 3,455 |
| Retained earnings to average equity (ytd only) | 1.1742% | 4,772 |
| Net charge-offs to loans | 0.1885% | 1,059 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 10.9500% | 2,309 |
| Efficiency ratio | 78.8610% | 1,350 |
| Assets per employee ($millions) | 3.7505% | 4,354 |
| Cash dividends to net income (ytd only)* | 83.6842% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,997 |
| Loan loss allowance to noncurrent loans | 103.8062% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 1,830 |
| Noncurrent loans to loans | 1.3375% | 1,444 |
| Net loans and leases to total assets | 43.7033% | 5,057 |
| Net loans and leases to deposits | 53.7429% | 4,972 |
| Net loans and leases to core deposits | 57.5317% | 4,933 |
| Total domestic deposits to total assets | 81.3192% | 4,099 |
| Equity capital to assets | 11.1412% | 2,662 |
| Core capital (leverage) ratio | 9.6525% | 3,960 |
| Tier 1 risk-based capital ratio | 16.6344% | 2,267 |
| Total risk-based capital ratio | 17.6912% | 2,293 |
| Memoranda: | ||
| Average total assets | $48,974,000 | 5,274 |
| Average earning assets | $43,893,670 | 5,289 |
| Average equity | $5,280,000 | 5,318 |
| Average total loans | $21,223,330 | 5,371 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 1,823 |
| Cost of funding earning assets | 0.4900% | 2,163 |
| Net interest margin | 3.8567% | 1,933 |
| Noninterest income to average assets | 0.7823% | 1,616 |
| Noninterest expense to average assets | 3.4146% | 1,170 |
| Loan and lease loss provision to assets | 0.1222% | 1,569 |
| Net operating income to assets | 0.7090% | 3,668 |
| Return on assets (ROA) | 0.7090% | 3,707 |
| Pretax return on assets | 0.7090% | 4,422 |
| Return on Equity (ROE) | 6.6872% | 3,559 |
| Retained earnings to average equity (ytd only) | -0.3075% | 4,968 |
| Net charge-offs to loans | -0.0761% | 5,356 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4223% | 1,329 |
| Assets per employee ($millions) | 3.8435% | 4,274 |
| Cash dividends to net income (ytd only)* | 104.5977% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,888 |
| Loan loss allowance to noncurrent loans | 70.0680% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 1,305 |
| Noncurrent loans to loans | 2.0601% | 855 |
| Net loans and leases to total assets | 42.2256% | 5,147 |
| Net loans and leases to deposits | 52.2124% | 5,026 |
| Net loans and leases to core deposits | 55.8192% | 4,984 |
| Total domestic deposits to total assets | 80.8726% | 4,440 |
| Equity capital to assets | 10.5374% | 3,144 |
| Core capital (leverage) ratio | 9.7142% | 3,856 |
| Tier 1 risk-based capital ratio | 16.2653% | 2,451 |
| Total risk-based capital ratio | 17.3376% | 2,464 |
| Memoranda: | ||
| Average total assets | $49,083,000 | 5,329 |
| Average earning assets | $44,079,500 | 5,344 |
| Average equity | $5,204,000 | 5,382 |
| Average total loans | $21,031,000 | 5,434 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,552 |
| Cost of funding earning assets | 0.4620% | 2,429 |
| Net interest margin | 3.7186% | 2,614 |
| Noninterest income to average assets | 0.5936% | 2,696 |
| Noninterest expense to average assets | 3.1141% | 1,995 |
| Loan and lease loss provision to assets | 0.2159% | 1,034 |
| Net operating income to assets | 0.5936% | 4,238 |
| Return on assets (ROA) | 0.7775% | 3,521 |
| Pretax return on assets | 0.7775% | 4,249 |
| Return on Equity (ROE) | 7.1157% | 3,409 |
| Retained earnings to average equity (ytd only) | 2.6341% | 4,021 |
| Net charge-offs to loans | 0.7195% | 296 |
| Credit loss provision to net charge-offs | 72.0000% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 3,784 |
| Efficiency ratio | 79.3683% | 1,500 |
| Assets per employee ($millions) | 3.7078% | 4,460 |
| Cash dividends to net income (ytd only)* | 62.9820% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 2,056 |
| Loan loss allowance to noncurrent loans | 87.3494% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 1,654 |
| Noncurrent loans to loans | 1.6074% | 1,224 |
| Net loans and leases to total assets | 42.2502% | 5,223 |
| Net loans and leases to deposits | 50.3150% | 5,198 |
| Net loans and leases to core deposits | 53.7846% | 5,157 |
| Total domestic deposits to total assets | 83.9713% | 3,427 |
| Equity capital to assets | 10.6699% | 2,958 |
| Core capital (leverage) ratio | 9.7907% | 3,760 |
| Tier 1 risk-based capital ratio | 18.2019% | 1,798 |
| Total risk-based capital ratio | 19.3272% | 1,791 |
| Memoranda: | ||
| Average total assets | $50,030,200 | 5,345 |
| Average earning assets | $44,802,200 | 5,360 |
| Average equity | $5,466,800 | 5,379 |
| Average total loans | $20,847,800 | 5,492 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,726 |
| Cost of funding earning assets | 0.4595% | 2,463 |
| Net interest margin | 3.6787% | 2,799 |
| Noninterest income to average assets | 0.6998% | 2,169 |
| Noninterest expense to average assets | 3.2060% | 1,760 |
| Loan and lease loss provision to assets | 0.1822% | 1,212 |
| Net operating income to assets | 0.6100% | 4,247 |
| Return on assets (ROA) | 0.7500% | 3,734 |
| Pretax return on assets | 0.7500% | 4,470 |
| Return on Equity (ROE) | 6.8255% | 3,651 |
| Retained earnings to average equity (ytd only) | 1.8025% | 4,782 |
| Net charge-offs to loans | 0.6763% | 285 |
| Credit loss provision to net charge-offs | 65.0943% | 2,858 |
| Earnings coverage of net charge-offs (x) | 2.8302% | 3,514 |
| Efficiency ratio | 80.1849% | 1,418 |
| Assets per employee ($millions) | 3.8669% | 4,185 |
| Cash dividends to net income (ytd only)* | 73.5911% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 2,286 |
| Loan loss allowance to noncurrent loans | 62.3932% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,557 |
| Noncurrent loans to loans | 2.2134% | 844 |
| Net loans and leases to total assets | 41.4800% | 5,317 |
| Net loans and leases to deposits | 49.7732% | 5,305 |
| Net loans and leases to core deposits | 52.7458% | 5,279 |
| Total domestic deposits to total assets | 83.3380% | 3,469 |
| Equity capital to assets | 11.3984% | 2,601 |
| Core capital (leverage) ratio | 9.3947% | 4,332 |
| Tier 1 risk-based capital ratio | 17.4389% | 2,098 |
| Total risk-based capital ratio | 18.5519% | 2,089 |
| Memoranda: | ||
| Average total assets | $50,487,500 | 5,390 |
| Average earning assets | $45,268,750 | 5,408 |
| Average equity | $5,547,750 | 5,412 |
| Average total loans | $20,896,000 | 5,544 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 2,727 |
| Cost of funding earning assets | 0.4670% | 2,409 |
| Net interest margin | 3.6697% | 2,826 |
| Noninterest income to average assets | 0.6725% | 2,260 |
| Noninterest expense to average assets | 3.1804% | 1,862 |
| Loan and lease loss provision to assets | 0.1780% | 1,230 |
| Net operating income to assets | 0.6092% | 4,228 |
| Return on assets (ROA) | 0.8188% | 3,359 |
| Pretax return on assets | 0.8188% | 4,220 |
| Return on Equity (ROE) | 7.5451% | 3,234 |
| Retained earnings to average equity (ytd only) | 2.2234% | 4,463 |
| Net charge-offs to loans | 0.9129% | 209 |
| Credit loss provision to net charge-offs | 47.3684% | 2,698 |
| Earnings coverage of net charge-offs (x) | 2.0947% | 3,327 |
| Efficiency ratio | 80.1595% | 1,477 |
| Assets per employee ($millions) | 3.8879% | 4,106 |
| Cash dividends to net income (ytd only)* | 70.5314% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 2,693 |
| Loan loss allowance to noncurrent loans | 53.2443% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 1,453 |
| Noncurrent loans to loans | 2.4727% | 716 |
| Net loans and leases to total assets | 41.3747% | 5,363 |
| Net loans and leases to deposits | 48.8815% | 5,385 |
| Net loans and leases to core deposits | 51.7368% | 5,367 |
| Total domestic deposits to total assets | 84.6428% | 3,027 |
| Equity capital to assets | 11.4793% | 2,568 |
| Core capital (leverage) ratio | 9.3725% | 4,369 |
| Tier 1 risk-based capital ratio | 16.9511% | 2,234 |
| Total risk-based capital ratio | 17.9882% | 2,290 |
| Memoranda: | ||
| Average total assets | $50,560,000 | 5,448 |
| Average earning assets | $45,398,670 | 5,467 |
| Average equity | $5,487,000 | 5,475 |
| Average total loans | $20,813,330 | 5,605 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,011 |
| Cost of funding earning assets | 0.4683% | 2,386 |
| Net interest margin | 3.5876% | 3,134 |
| Noninterest income to average assets | 0.6724% | 2,160 |
| Noninterest expense to average assets | 3.2589% | 1,696 |
| Loan and lease loss provision to assets | 0.1819% | 1,107 |
| Net operating income to assets | 0.4430% | 4,852 |
| Return on assets (ROA) | 0.4430% | 4,935 |
| Pretax return on assets | 0.4430% | 5,222 |
| Return on Equity (ROE) | 4.2030% | 4,816 |
| Retained earnings to average equity (ytd only) | -2.2516% | 5,407 |
| Net charge-offs to loans | 1.1055% | 163 |
| Credit loss provision to net charge-offs | 40.3509% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.3860% | 2,825 |
| Efficiency ratio | 83.9104% | 1,167 |
| Assets per employee ($millions) | 3.8671% | 4,184 |
| Cash dividends to net income (ytd only)* | 153.5714% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 2,319 |
| Loan loss allowance to noncurrent loans | 72.4816% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 1,946 |
| Noncurrent loans to loans | 1.9633% | 1,102 |
| Net loans and leases to total assets | 40.6489% | 5,423 |
| Net loans and leases to deposits | 46.4802% | 5,490 |
| Net loans and leases to core deposits | 49.1179% | 5,475 |
| Total domestic deposits to total assets | 87.4542% | 1,959 |
| Equity capital to assets | 10.8549% | 3,112 |
| Core capital (leverage) ratio | 8.9432% | 4,924 |
| Tier 1 risk-based capital ratio | 16.8639% | 2,340 |
| Total risk-based capital ratio | 17.9762% | 2,334 |
| Memoranda: | ||
| Average total assets | $50,568,500 | 5,496 |
| Average earning assets | $45,267,500 | 5,515 |
| Average equity | $5,329,500 | 5,545 |
| Average total loans | $20,624,500 | 5,660 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,270 |
| Cost of funding earning assets | 0.4465% | 2,660 |
| Net interest margin | 3.8368% | 2,250 |
| Noninterest income to average assets | 0.9688% | 1,262 |
| Noninterest expense to average assets | 3.5563% | 1,196 |
| Loan and lease loss provision to assets | 0.2174% | 953 |
| Net operating income to assets | 0.6226% | 4,173 |
| Return on assets (ROA) | 0.7894% | 3,462 |
| Pretax return on assets | 0.7894% | 4,224 |
| Return on Equity (ROE) | 7.1030% | 3,459 |
| Retained earnings to average equity (ytd only) | 1.2725% | 4,991 |
| Net charge-offs to loans | 0.6323% | 376 |
| Credit loss provision to net charge-offs | 76.8657% | 3,009 |
| Earnings coverage of net charge-offs (x) | 2.9701% | 3,799 |
| Efficiency ratio | 80.8929% | 1,548 |
| Assets per employee ($millions) | 3.9127% | 4,100 |
| Cash dividends to net income (ytd only)* | 82.0856% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,606 |
| Loan loss allowance to noncurrent loans | 90.8840% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 2,122 |
| Noncurrent loans to loans | 1.7642% | 1,266 |
| Net loans and leases to total assets | 39.6933% | 5,533 |
| Net loans and leases to deposits | 44.4088% | 5,639 |
| Net loans and leases to core deposits | 46.4950% | 5,628 |
| Total domestic deposits to total assets | 89.3817% | 919 |
| Equity capital to assets | 10.2271% | 3,711 |
| Core capital (leverage) ratio | 9.4234% | 4,286 |
| Tier 1 risk-based capital ratio | 17.4925% | 2,127 |
| Total risk-based capital ratio | 18.7428% | 2,076 |
| Memoranda: | ||
| Average total assets | $47,380,200 | 5,604 |
| Average earning assets | $42,327,200 | 5,628 |
| Average equity | $5,265,400 | 5,591 |
| Average total loans | $21,193,400 | 5,677 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,171 |
| Cost of funding earning assets | 0.4449% | 2,735 |
| Net interest margin | 3.8729% | 2,119 |
| Noninterest income to average assets | 0.9976% | 1,188 |
| Noninterest expense to average assets | 3.7497% | 907 |
| Loan and lease loss provision to assets | 0.1949% | 1,037 |
| Net operating income to assets | 0.5217% | 4,718 |
| Return on assets (ROA) | 0.7482% | 3,783 |
| Pretax return on assets | 0.7482% | 4,500 |
| Return on Equity (ROE) | 6.5892% | 3,843 |
| Retained earnings to average equity (ytd only) | 0.2020% | 5,548 |
| Net charge-offs to loans | 0.3932% | 653 |
| Credit loss provision to net charge-offs | 107.9365% | 2,141 |
| Earnings coverage of net charge-offs (x) | 3.9682% | 3,426 |
| Efficiency ratio | 83.9538% | 1,180 |
| Assets per employee ($millions) | 3.5782% | 4,654 |
| Cash dividends to net income (ytd only)* | 96.9338% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 1,335 |
| Loan loss allowance to noncurrent loans | 96.8170% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 2,011 |
| Noncurrent loans to loans | 1.8214% | 1,296 |
| Net loans and leases to total assets | 43.7109% | 5,373 |
| Net loans and leases to deposits | 51.1393% | 5,411 |
| Net loans and leases to core deposits | 51.7999% | 5,513 |
| Total domestic deposits to total assets | 85.4741% | 2,794 |
| Equity capital to assets | 11.4109% | 2,574 |
| Core capital (leverage) ratio | 9.7207% | 4,008 |
| Tier 1 risk-based capital ratio | 18.2762% | 1,967 |
| Total risk-based capital ratio | 19.5302% | 1,924 |
| Memoranda: | ||
| Average total assets | $46,509,000 | 5,694 |
| Average earning assets | $41,656,250 | 5,710 |
| Average equity | $5,281,250 | 5,657 |
| Average total loans | $21,362,000 | 5,734 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 2,511 |
| Cost of funding earning assets | 0.4397% | 2,845 |
| Net interest margin | 3.7708% | 2,434 |
| Noninterest income to average assets | 0.9590% | 1,282 |
| Noninterest expense to average assets | 3.7027% | 983 |
| Loan and lease loss provision to assets | 0.1935% | 1,028 |
| Net operating income to assets | 0.4559% | 4,956 |
| Return on assets (ROA) | 0.7956% | 3,503 |
| Pretax return on assets | 0.7956% | 4,332 |
| Return on Equity (ROE) | 7.0178% | 3,593 |
| Retained earnings to average equity (ytd only) | 0.4173% | 5,377 |
| Net charge-offs to loans | 0.2224% | 1,151 |
| Credit loss provision to net charge-offs | 187.5000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 6.2917% | 2,804 |
| Efficiency ratio | 85.0791% | 1,143 |
| Assets per employee ($millions) | 3.3272% | 5,113 |
| Cash dividends to net income (ytd only)* | 94.0541% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 1,483 |
| Loan loss allowance to noncurrent loans | 94.3069% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 1,926 |
| Noncurrent loans to loans | 1.8611% | 1,355 |
| Net loans and leases to total assets | 45.7848% | 5,265 |
| Net loans and leases to deposits | 52.6073% | 5,341 |
| Net loans and leases to core deposits | 53.2735% | 5,468 |
| Total domestic deposits to total assets | 87.0312% | 2,152 |
| Equity capital to assets | 11.0109% | 2,871 |
| Core capital (leverage) ratio | 9.7931% | 3,869 |
| Tier 1 risk-based capital ratio | 17.5828% | 2,191 |
| Total risk-based capital ratio | 18.8356% | 2,145 |
| Memoranda: | ||
| Average total assets | $46,506,330 | 5,756 |
| Average earning assets | $41,847,330 | 5,770 |
| Average equity | $5,272,330 | 5,715 |
| Average total loans | $21,583,330 | 5,786 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,415 |
| Cost of funding earning assets | 0.4276% | 2,993 |
| Net interest margin | 3.7816% | 2,292 |
| Noninterest income to average assets | 0.9297% | 1,302 |
| Noninterest expense to average assets | 3.6756% | 1,033 |
| Loan and lease loss provision to assets | 0.1980% | 941 |
| Net operating income to assets | 0.4820% | 4,756 |
| Return on assets (ROA) | 0.8608% | 3,074 |
| Pretax return on assets | 0.8608% | 4,019 |
| Return on Equity (ROE) | 7.4850% | 3,225 |
| Retained earnings to average equity (ytd only) | 1.1976% | 5,007 |
| Net charge-offs to loans | 0.0929% | 1,794 |
| Credit loss provision to net charge-offs | 460.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,604 |
| Efficiency ratio | 84.3874% | 1,329 |
| Assets per employee ($millions) | 3.3298% | 5,198 |
| Cash dividends to net income (ytd only)* | 84.0000% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 1,544 |
| Loan loss allowance to noncurrent loans | 63.5294% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 1,883 |
| Noncurrent loans to loans | 2.7976% | 824 |
| Net loans and leases to total assets | 44.8120% | 5,282 |
| Net loans and leases to deposits | 50.9313% | 5,393 |
| Net loans and leases to core deposits | 51.5675% | 5,516 |
| Total domestic deposits to total assets | 87.9851% | 1,832 |
| Equity capital to assets | 11.5473% | 2,425 |
| Core capital (leverage) ratio | 9.8679% | 3,798 |
| Tier 1 risk-based capital ratio | 18.4595% | 2,016 |
| Total risk-based capital ratio | 19.7118% | 1,961 |
| Memoranda: | ||
| Average total assets | $46,469,000 | 5,808 |
| Average earning assets | $42,098,500 | 5,810 |
| Average equity | $5,344,000 | 5,747 |
| Average total loans | $21,521,000 | 5,837 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,866 |
| Cost of funding earning assets | 0.4321% | 3,359 |
| Net interest margin | 4.0674% | 1,689 |
| Noninterest income to average assets | 0.9464% | 1,358 |
| Noninterest expense to average assets | 3.7726% | 1,029 |
| Loan and lease loss provision to assets | 0.2131% | 1,170 |
| Net operating income to assets | 0.6117% | 4,316 |
| Return on assets (ROA) | 0.6288% | 4,347 |
| Pretax return on assets | 0.6288% | 4,848 |
| Return on Equity (ROE) | 5.9368% | 4,181 |
| Retained earnings to average equity (ytd only) | 1.6502% | 4,987 |
| Net charge-offs to loans | 1.0816% | 264 |
| Credit loss provision to net charge-offs | 41.6667% | 3,643 |
| Earnings coverage of net charge-offs (x) | 1.6125% | 4,380 |
| Efficiency ratio | 82.0584% | 1,655 |
| Assets per employee ($millions) | 3.0881% | 5,579 |
| Cash dividends to net income (ytd only)* | 72.2034% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 1,917 |
| Loan loss allowance to noncurrent loans | 58.2524% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 2,055 |
| Noncurrent loans to loans | 2.8382% | 819 |
| Net loans and leases to total assets | 46.2296% | 5,305 |
| Net loans and leases to deposits | 54.7477% | 5,269 |
| Net loans and leases to core deposits | 55.4652% | 5,414 |
| Total domestic deposits to total assets | 84.4412% | 3,540 |
| Equity capital to assets | 11.4527% | 2,474 |
| Core capital (leverage) ratio | 9.7138% | 3,957 |
| Tier 1 risk-based capital ratio | 18.5216% | 1,985 |
| Total risk-based capital ratio | 19.7743% | 1,955 |
| Memoranda: | ||
| Average total assets | $46,917,000 | 5,864 |
| Average earning assets | $42,115,400 | 5,868 |
| Average equity | $4,969,000 | 5,858 |
| Average total loans | $22,188,800 | 5,881 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 1,798 |
| Cost of funding earning assets | 0.4294% | 3,472 |
| Net interest margin | 4.0905% | 1,605 |
| Noninterest income to average assets | 0.9178% | 1,457 |
| Noninterest expense to average assets | 3.8017% | 970 |
| Loan and lease loss provision to assets | 0.1756% | 1,399 |
| Net operating income to assets | 0.5836% | 4,519 |
| Return on assets (ROA) | 0.6062% | 4,505 |
| Pretax return on assets | 0.6062% | 5,011 |
| Return on Equity (ROE) | 5.8409% | 4,316 |
| Retained earnings to average equity (ytd only) | 1.4739% | 5,306 |
| Net charge-offs to loans | 0.8553% | 385 |
| Credit loss provision to net charge-offs | 43.3566% | 3,230 |
| Earnings coverage of net charge-offs (x) | 1.8741% | 4,054 |
| Efficiency ratio | 83.3540% | 1,464 |
| Assets per employee ($millions) | 3.3399% | 5,165 |
| Cash dividends to net income (ytd only)* | 74.7661% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 1,533 |
| Loan loss allowance to noncurrent loans | 80.4223% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 2,408 |
| Noncurrent loans to loans | 2.3228% | 1,289 |
| Net loans and leases to total assets | 47.0733% | 5,286 |
| Net loans and leases to deposits | 54.3817% | 5,354 |
| Net loans and leases to core deposits | 55.0702% | 5,500 |
| Total domestic deposits to total assets | 86.5609% | 2,548 |
| Equity capital to assets | 10.9262% | 3,031 |
| Core capital (leverage) ratio | 9.3748% | 4,539 |
| Tier 1 risk-based capital ratio | 18.0718% | 2,194 |
| Total risk-based capital ratio | 19.3262% | 2,148 |
| Memoranda: | ||
| Average total assets | $47,066,000 | 5,929 |
| Average earning assets | $41,916,750 | 5,945 |
| Average equity | $4,885,000 | 5,943 |
| Average total loans | $22,292,500 | 5,940 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,866 |
| Cost of funding earning assets | 0.4245% | 3,604 |
| Net interest margin | 4.0640% | 1,623 |
| Noninterest income to average assets | 0.8438% | 1,688 |
| Noninterest expense to average assets | 3.7822% | 992 |
| Loan and lease loss provision to assets | 0.1272% | 1,942 |
| Net operating income to assets | 0.5470% | 4,616 |
| Return on assets (ROA) | 0.5470% | 4,716 |
| Pretax return on assets | 0.5470% | 5,140 |
| Return on Equity (ROE) | 5.3635% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.5778% | 4,563 |
| Net charge-offs to loans | 0.8001% | 476 |
| Credit loss provision to net charge-offs | 33.7079% | 3,003 |
| Earnings coverage of net charge-offs (x) | 1.7865% | 3,713 |
| Efficiency ratio | 84.8716% | 1,400 |
| Assets per employee ($millions) | 3.4414% | 4,969 |
| Cash dividends to net income (ytd only)* | 51.9380% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 1,407 |
| Loan loss allowance to noncurrent loans | 71.5909% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 2,507 |
| Noncurrent loans to loans | 2.7621% | 1,088 |
| Net loans and leases to total assets | 45.3745% | 5,426 |
| Net loans and leases to deposits | 56.3617% | 5,164 |
| Net loans and leases to core deposits | 57.4941% | 5,307 |
| Total domestic deposits to total assets | 80.5060% | 5,126 |
| Equity capital to assets | 10.6582% | 3,242 |
| Core capital (leverage) ratio | 9.5928% | 4,188 |
| Tier 1 risk-based capital ratio | 17.9354% | 2,268 |
| Total risk-based capital ratio | 19.1901% | 2,232 |
| Memoranda: | ||
| Average total assets | $47,168,330 | 5,980 |
| Average earning assets | $41,929,330 | 6,003 |
| Average equity | $4,810,330 | 6,005 |
| Average total loans | $22,246,670 | 5,981 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 1,773 |
| Cost of funding earning assets | 0.4243% | 3,708 |
| Net interest margin | 4.0890% | 1,493 |
| Noninterest income to average assets | 0.8486% | 1,571 |
| Noninterest expense to average assets | 3.7889% | 1,004 |
| Loan and lease loss provision to assets | 0.1286% | 1,886 |
| Net operating income to assets | 0.5658% | 4,381 |
| Return on assets (ROA) | 0.5658% | 4,455 |
| Pretax return on assets | 0.5658% | 4,959 |
| Return on Equity (ROE) | 5.6799% | 4,192 |
| Retained earnings to average equity (ytd only) | -0.0861% | 5,567 |
| Net charge-offs to loans | 0.5221% | 708 |
| Credit loss provision to net charge-offs | 51.7241% | 2,185 |
| Earnings coverage of net charge-offs (x) | 2.7931% | 2,798 |
| Efficiency ratio | 84.5124% | 1,612 |
| Assets per employee ($millions) | 3.1386% | 5,620 |
| Cash dividends to net income (ytd only)* | 101.5152% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 1,181 |
| Loan loss allowance to noncurrent loans | 74.4257% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 2,509 |
| Noncurrent loans to loans | 2.9401% | 1,099 |
| Net loans and leases to total assets | 46.1437% | 5,320 |
| Net loans and leases to deposits | 54.2016% | 5,267 |
| Net loans and leases to core deposits | 55.2535% | 5,417 |
| Total domestic deposits to total assets | 85.1335% | 3,806 |
| Equity capital to assets | 10.1213% | 3,695 |
| Core capital (leverage) ratio | 9.4951% | 4,282 |
| Tier 1 risk-based capital ratio | 17.9060% | 2,336 |
| Total risk-based capital ratio | 19.1644% | 2,312 |
| Memoranda: | ||
| Average total assets | $46,663,000 | 6,053 |
| Average earning assets | $41,477,500 | 6,071 |
| Average equity | $4,648,000 | 6,084 |
| Average total loans | $22,219,000 | 6,036 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,370 |
| Cost of funding earning assets | 0.4777% | 3,843 |
| Net interest margin | 4.3021% | 1,104 |
| Noninterest income to average assets | 0.9800% | 1,441 |
| Noninterest expense to average assets | 4.1289% | 753 |
| Loan and lease loss provision to assets | 0.2025% | 1,839 |
| Net operating income to assets | 0.5320% | 4,591 |
| Return on assets (ROA) | 0.5837% | 4,451 |
| Pretax return on assets | 0.5212% | 5,139 |
| Return on Equity (ROE) | 5.5189% | 4,381 |
| Retained earnings to average equity (ytd only) | 0.4073% | 5,664 |
| Net charge-offs to loans | 0.3994% | 1,692 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.3191% | 3,896 |
| Efficiency ratio | 86.0027% | 1,414 |
| Assets per employee ($millions) | 3.3034% | 5,285 |
| Cash dividends to net income (ytd only)* | 92.6199% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2494% | 1,116 |
| Loan loss allowance to noncurrent loans | 102.0408% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 3,237 |
| Noncurrent loans to loans | 2.2044% | 1,770 |
| Net loans and leases to total assets | 46.9825% | 5,400 |
| Net loans and leases to deposits | 57.0289% | 5,207 |
| Net loans and leases to core deposits | 58.1912% | 5,381 |
| Total domestic deposits to total assets | 82.3837% | 4,743 |
| Equity capital to assets | 9.7974% | 4,047 |
| Core capital (leverage) ratio | 9.5439% | 4,195 |
| Tier 1 risk-based capital ratio | 18.3479% | 2,135 |
| Total risk-based capital ratio | 19.6078% | 2,088 |
| Memoranda: | ||
| Average total assets | $46,429,200 | 6,104 |
| Average earning assets | $41,235,200 | 6,137 |
| Average equity | $4,910,400 | 6,084 |
| Average total loans | $23,532,400 | 6,055 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 1,396 |
| Cost of funding earning assets | 0.4901% | 3,866 |
| Net interest margin | 4.2884% | 1,120 |
| Noninterest income to average assets | 0.9955% | 1,468 |
| Noninterest expense to average assets | 4.1025% | 764 |
| Loan and lease loss provision to assets | 0.2238% | 1,623 |
| Net operating income to assets | 0.5680% | 4,485 |
| Return on assets (ROA) | 0.6369% | 4,303 |
| Pretax return on assets | 0.5537% | 5,194 |
| Return on Equity (ROE) | 5.9136% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.0368% | 4,503 |
| Net charge-offs to loans | 0.2794% | 2,153 |
| Credit loss provision to net charge-offs | 156.0000% | 1,514 |
| Earnings coverage of net charge-offs (x) | 4.9397% | 3,315 |
| Efficiency ratio | 85.2713% | 1,436 |
| Assets per employee ($millions) | 3.3676% | 5,135 |
| Cash dividends to net income (ytd only)* | 48.6503% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2916% | 1,192 |
| Loan loss allowance to noncurrent loans | 118.6517% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 3,712 |
| Noncurrent loans to loans | 1.9313% | 2,326 |
| Net loans and leases to total assets | 47.7507% | 5,380 |
| Net loans and leases to deposits | 59.5330% | 5,028 |
| Net loans and leases to core deposits | 60.7540% | 5,242 |
| Total domestic deposits to total assets | 80.2087% | 5,455 |
| Equity capital to assets | 10.1576% | 3,690 |
| Core capital (leverage) ratio | 9.8321% | 3,912 |
| Tier 1 risk-based capital ratio | 18.1848% | 2,252 |
| Total risk-based capital ratio | 19.4478% | 2,214 |
| Memoranda: | ||
| Average total assets | $46,474,750 | 6,177 |
| Average earning assets | $41,350,500 | 6,202 |
| Average equity | $5,005,250 | 6,135 |
| Average total loans | $23,858,500 | 6,100 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,644 |
| Cost of funding earning assets | 0.5089% | 3,814 |
| Net interest margin | 4.1634% | 1,365 |
| Noninterest income to average assets | 0.9730% | 1,597 |
| Noninterest expense to average assets | 4.1037% | 771 |
| Loan and lease loss provision to assets | 0.2378% | 1,560 |
| Net operating income to assets | 0.3459% | 5,419 |
| Return on assets (ROA) | 0.4497% | 5,182 |
| Pretax return on assets | 0.4497% | 5,520 |
| Return on Equity (ROE) | 4.0966% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.9695% | 5,018 |
| Net charge-offs to loans | 0.2155% | 2,472 |
| Credit loss provision to net charge-offs | 211.5385% | 1,145 |
| Earnings coverage of net charge-offs (x) | 5.1923% | 2,951 |
| Efficiency ratio | 87.5461% | 1,272 |
| Assets per employee ($millions) | 2.8213% | 6,134 |
| Cash dividends to net income (ytd only)* | 51.9231% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2340% | 1,359 |
| Loan loss allowance to noncurrent loans | 84.9117% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 2,988 |
| Noncurrent loans to loans | 2.6309% | 1,739 |
| Net loans and leases to total assets | 51.2860% | 4,954 |
| Net loans and leases to deposits | 58.0095% | 5,160 |
| Net loans and leases to core deposits | 59.1341% | 5,335 |
| Total domestic deposits to total assets | 88.4096% | 1,977 |
| Equity capital to assets | 10.4096% | 3,414 |
| Core capital (leverage) ratio | 9.6658% | 3,991 |
| Tier 1 risk-based capital ratio | 17.6640% | 2,454 |
| Total risk-based capital ratio | 18.9245% | 2,413 |
| Memoranda: | ||
| Average total assets | $46,250,670 | 6,225 |
| Average earning assets | $41,264,000 | 6,249 |
| Average equity | $5,077,330 | 6,160 |
| Average total loans | $24,131,000 | 6,115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 1,556 |
| Cost of funding earning assets | 0.5267% | 3,823 |
| Net interest margin | 4.1656% | 1,289 |
| Noninterest income to average assets | 0.9059% | 1,743 |
| Noninterest expense to average assets | 4.1961% | 718 |
| Loan and lease loss provision to assets | 0.2564% | 1,389 |
| Net operating income to assets | 0.1709% | 5,978 |
| Return on assets (ROA) | 0.3504% | 5,489 |
| Pretax return on assets | 0.3504% | 5,718 |
| Return on Equity (ROE) | 3.1140% | 5,539 |
| Retained earnings to average equity (ytd only) | -0.9874% | 5,952 |
| Net charge-offs to loans | 0.3941% | 1,471 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 3,137 |
| Efficiency ratio | 90.7579% | 1,077 |
| Assets per employee ($millions) | 3.1323% | 5,764 |
| Cash dividends to net income (ytd only)* | 131.7073% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1070% | 1,777 |
| Loan loss allowance to noncurrent loans | 99.8028% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 3,714 |
| Noncurrent loans to loans | 2.1112% | 2,488 |
| Net loans and leases to total assets | 50.0362% | 4,984 |
| Net loans and leases to deposits | 56.6687% | 5,175 |
| Net loans and leases to core deposits | 57.7234% | 5,365 |
| Total domestic deposits to total assets | 88.2960% | 2,130 |
| Equity capital to assets | 11.0889% | 2,859 |
| Core capital (leverage) ratio | 9.4448% | 4,175 |
| Tier 1 risk-based capital ratio | 16.9317% | 2,777 |
| Total risk-based capital ratio | 18.2002% | 2,748 |
| Memoranda: | ||
| Average total assets | $46,805,500 | 6,275 |
| Average earning assets | $41,771,000 | 6,290 |
| Average equity | $5,266,500 | 6,169 |
| Average total loans | $24,356,500 | 6,158 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 1,607 |
| Cost of funding earning assets | 0.6734% | 3,707 |
| Net interest margin | 4.3101% | 1,383 |
| Noninterest income to average assets | 1.0718% | 1,356 |
| Noninterest expense to average assets | 3.9349% | 1,058 |
| Loan and lease loss provision to assets | 0.4889% | 1,241 |
| Net operating income to assets | 0.4740% | 4,786 |
| Return on assets (ROA) | 0.6918% | 4,040 |
| Pretax return on assets | 0.6918% | 4,694 |
| Return on Equity (ROE) | 6.5252% | 3,900 |
| Retained earnings to average equity (ytd only) | -0.9063% | 6,002 |
| Net charge-offs to loans | 0.9557% | 1,157 |
| Credit loss provision to net charge-offs | 95.0207% | 3,272 |
| Earnings coverage of net charge-offs (x) | 1.8714% | 4,492 |
| Efficiency ratio | 80.3400% | 2,106 |
| Assets per employee ($millions) | 2.9142% | 6,141 |
| Cash dividends to net income (ytd only)* | 113.8889% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 1,956 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 3,925 |
| Noncurrent loans to loans | 1.9232% | 2,779 |
| Net loans and leases to total assets | 51.8970% | 4,943 |
| Net loans and leases to deposits | 60.1417% | 5,013 |
| Net loans and leases to core deposits | 61.7469% | 5,180 |
| Total domestic deposits to total assets | 86.2912% | 3,207 |
| Equity capital to assets | 11.4161% | 2,522 |
| Core capital (leverage) ratio | 9.3650% | 4,310 |
| Tier 1 risk-based capital ratio | 16.8702% | 2,713 |
| Total risk-based capital ratio | 18.1300% | 2,673 |
| Memoranda: | ||
| Average total assets | $46,837,600 | 6,299 |
| Average earning assets | $41,577,000 | 6,315 |
| Average equity | $4,965,400 | 6,299 |
| Average total loans | $25,216,200 | 6,181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 1,630 |
| Cost of funding earning assets | 0.6971% | 3,793 |
| Net interest margin | 4.3272% | 1,401 |
| Noninterest income to average assets | 1.0834% | 1,283 |
| Noninterest expense to average assets | 3.9126% | 1,048 |
| Loan and lease loss provision to assets | 0.5659% | 1,015 |
| Net operating income to assets | 0.4350% | 5,101 |
| Return on assets (ROA) | 0.7279% | 4,031 |
| Pretax return on assets | 0.7279% | 4,755 |
| Return on Equity (ROE) | 7.0000% | 3,817 |
| Retained earnings to average equity (ytd only) | -1.6132% | 6,349 |
| Net charge-offs to loans | 1.1468% | 878 |
| Credit loss provision to net charge-offs | 91.2844% | 3,257 |
| Earnings coverage of net charge-offs (x) | 1.6147% | 4,474 |
| Efficiency ratio | 79.6296% | 2,147 |
| Assets per employee ($millions) | 2.8754% | 6,255 |
| Cash dividends to net income (ytd only)* | 123.0488% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 2,298 |
| Loan loss allowance to noncurrent loans | 131.8182% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 4,712 |
| Noncurrent loans to loans | 1.4854% | 3,559 |
| Net loans and leases to total assets | 50.5002% | 5,253 |
| Net loans and leases to deposits | 58.2496% | 5,406 |
| Net loans and leases to core deposits | 59.4347% | 5,613 |
| Total domestic deposits to total assets | 86.6963% | 2,857 |
| Equity capital to assets | 11.0513% | 3,207 |
| Core capital (leverage) ratio | 9.1387% | 4,849 |
| Tier 1 risk-based capital ratio | 16.4537% | 3,030 |
| Total risk-based capital ratio | 17.7127% | 2,987 |
| Memoranda: | ||
| Average total assets | $46,890,250 | 6,368 |
| Average earning assets | $41,503,750 | 6,396 |
| Average equity | $4,876,000 | 6,400 |
| Average total loans | $25,345,750 | 6,256 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 1,396 |
| Cost of funding earning assets | 0.7229% | 3,826 |
| Net interest margin | 4.4202% | 1,151 |
| Noninterest income to average assets | 1.1162% | 1,146 |
| Noninterest expense to average assets | 3.9761% | 968 |
| Loan and lease loss provision to assets | 0.7269% | 724 |
| Net operating income to assets | 0.3288% | 5,505 |
| Return on assets (ROA) | 0.7744% | 3,764 |
| Pretax return on assets | 0.7744% | 4,561 |
| Return on Equity (ROE) | 7.6159% | 3,436 |
| Retained earnings to average equity (ytd only) | -3.4889% | 6,511 |
| Net charge-offs to loans | 0.3307% | 2,705 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 5.8095% | 2,749 |
| Efficiency ratio | 79.0198% | 2,323 |
| Assets per employee ($millions) | 2.8663% | 6,288 |
| Cash dividends to net income (ytd only)* | 145.8101% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5356% | 1,236 |
| Loan loss allowance to noncurrent loans | 154.1063% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 4,570 |
| Noncurrent loans to loans | 1.6453% | 3,437 |
| Net loans and leases to total assets | 50.3294% | 5,317 |
| Net loans and leases to deposits | 56.8884% | 5,564 |
| Net loans and leases to core deposits | 58.1772% | 5,760 |
| Total domestic deposits to total assets | 88.4705% | 1,838 |
| Equity capital to assets | 9.4527% | 5,126 |
| Core capital (leverage) ratio | 7.5679% | 6,588 |
| Tier 1 risk-based capital ratio | 13.7953% | 4,598 |
| Total risk-based capital ratio | 15.0608% | 4,563 |
| Memoranda: | ||
| Average total assets | $46,226,670 | 6,433 |
| Average earning assets | $40,948,000 | 6,449 |
| Average equity | $4,700,670 | 6,484 |
| Average total loans | $25,401,670 | 6,297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 825 |
| Cost of funding earning assets | 0.7460% | 3,893 |
| Net interest margin | 4.7080% | 673 |
| Noninterest income to average assets | 1.1562% | 1,063 |
| Noninterest expense to average assets | 3.9843% | 956 |
| Loan and lease loss provision to assets | 0.3113% | 2,019 |
| Net operating income to assets | 1.0139% | 2,422 |
| Return on assets (ROA) | 1.0139% | 2,615 |
| Pretax return on assets | 1.0139% | 3,631 |
| Return on Equity (ROE) | 9.6040% | 2,558 |
| Retained earnings to average equity (ytd only) | 1.0110% | 5,668 |
| Net charge-offs to loans | 0.3918% | 2,128 |
| Credit loss provision to net charge-offs | 140.0000% | 1,754 |
| Earnings coverage of net charge-offs (x) | 5.9600% | 2,268 |
| Efficiency ratio | 75.0419% | 2,933 |
| Assets per employee ($millions) | 2.9171% | 6,308 |
| Cash dividends to net income (ytd only)* | 89.4737% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 2,177 |
| Loan loss allowance to noncurrent loans | 235.1351% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 5,455 |
| Noncurrent loans to loans | 0.8790% | 4,912 |
| Net loans and leases to total assets | 52.9910% | 4,885 |
| Net loans and leases to deposits | 60.3715% | 5,106 |
| Net loans and leases to core deposits | 61.9673% | 5,330 |
| Total domestic deposits to total assets | 87.7748% | 2,484 |
| Equity capital to assets | 10.1513% | 3,912 |
| Core capital (leverage) ratio | 8.5673% | 5,481 |
| Tier 1 risk-based capital ratio | 14.1552% | 4,353 |
| Total risk-based capital ratio | 15.4135% | 4,317 |
| Memoranda: | ||
| Average total assets | $44,976,500 | 6,509 |
| Average earning assets | $39,677,500 | 6,538 |
| Average equity | $4,748,000 | 6,499 |
| Average total loans | $25,521,500 | 6,335 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6289% | 905 |
| Cost of funding earning assets | 0.9064% | 4,073 |
| Net interest margin | 4.7226% | 716 |
| Noninterest income to average assets | 1.2098% | 903 |
| Noninterest expense to average assets | 4.0474% | 964 |
| Loan and lease loss provision to assets | 0.3176% | 3,141 |
| Net operating income to assets | 1.0066% | 2,174 |
| Return on assets (ROA) | 1.0066% | 2,316 |
| Pretax return on assets | 1.0066% | 3,219 |
| Return on Equity (ROE) | 9.7015% | 2,162 |
| Retained earnings to average equity (ytd only) | 4.0067% | 3,340 |
| Net charge-offs to loans | 0.2347% | 4,316 |
| Credit loss provision to net charge-offs | 230.5085% | 1,056 |
| Earnings coverage of net charge-offs (x) | 9.6102% | 1,955 |
| Efficiency ratio | 75.3478% | 3,000 |
| Assets per employee ($millions) | 2.7049% | 6,605 |
| Cash dividends to net income (ytd only)* | 58.7007% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,325 |
| Loan loss allowance to noncurrent loans | 125.1834% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 4,495 |
| Noncurrent loans to loans | 1.5860% | 3,784 |
| Net loans and leases to total assets | 58.4025% | 4,298 |
| Net loans and leases to deposits | 67.3991% | 4,527 |
| Net loans and leases to core deposits | 69.3500% | 4,869 |
| Total domestic deposits to total assets | 86.6517% | 2,947 |
| Equity capital to assets | 10.9938% | 2,985 |
| Core capital (leverage) ratio | 8.8120% | 5,079 |
| Tier 1 risk-based capital ratio | 14.3496% | 4,082 |
| Total risk-based capital ratio | 15.6099% | 4,042 |
| Memoranda: | ||
| Average total assets | $42,817,200 | 6,571 |
| Average earning assets | $37,733,600 | 6,615 |
| Average equity | $4,442,600 | 6,620 |
| Average total loans | $25,138,400 | 6,414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 919 |
| Cost of funding earning assets | 0.9383% | 4,127 |
| Net interest margin | 4.7199% | 733 |
| Noninterest income to average assets | 1.1553% | 984 |
| Noninterest expense to average assets | 4.1558% | 834 |
| Loan and lease loss provision to assets | 0.2966% | 3,151 |
| Net operating income to assets | 0.8649% | 2,887 |
| Return on assets (ROA) | 0.8649% | 3,034 |
| Pretax return on assets | 0.8649% | 3,897 |
| Return on Equity (ROE) | 8.4634% | 2,844 |
| Retained earnings to average equity (ytd only) | 2.6276% | 4,789 |
| Net charge-offs to loans | 0.2349% | 3,956 |
| Credit loss provision to net charge-offs | 215.9091% | 1,330 |
| Earnings coverage of net charge-offs (x) | 8.4539% | 2,176 |
| Efficiency ratio | 78.1562% | 2,526 |
| Assets per employee ($millions) | 2.9247% | 6,268 |
| Cash dividends to net income (ytd only)* | 68.9538% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,580 |
| Loan loss allowance to noncurrent loans | 183.3962% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 5,004 |
| Noncurrent loans to loans | 1.0429% | 4,817 |
| Net loans and leases to total assets | 56.8097% | 4,715 |
| Net loans and leases to deposits | 65.3735% | 4,998 |
| Net loans and leases to core deposits | 67.2341% | 5,279 |
| Total domestic deposits to total assets | 86.9002% | 2,716 |
| Equity capital to assets | 10.5947% | 3,580 |
| Core capital (leverage) ratio | 8.6307% | 5,505 |
| Tier 1 risk-based capital ratio | 13.9578% | 4,389 |
| Total risk-based capital ratio | 15.2151% | 4,352 |
| Memoranda: | ||
| Average total assets | $42,701,750 | 6,639 |
| Average earning assets | $37,655,500 | 6,673 |
| Average equity | $4,363,750 | 6,687 |
| Average total loans | $24,976,000 | 6,482 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 917 |
| Cost of funding earning assets | 0.9715% | 4,159 |
| Net interest margin | 4.7026% | 720 |
| Noninterest income to average assets | 1.1439% | 987 |
| Noninterest expense to average assets | 4.1218% | 895 |
| Loan and lease loss provision to assets | 0.3545% | 2,659 |
| Net operating income to assets | 0.8319% | 2,937 |
| Return on assets (ROA) | 0.8319% | 3,052 |
| Pretax return on assets | 0.8319% | 3,904 |
| Return on Equity (ROE) | 8.2455% | 2,836 |
| Retained earnings to average equity (ytd only) | 1.8271% | 5,075 |
| Net charge-offs to loans | 0.2255% | 3,772 |
| Credit loss provision to net charge-offs | 267.8571% | 1,134 |
| Earnings coverage of net charge-offs (x) | 8.9643% | 1,983 |
| Efficiency ratio | 77.6492% | 2,769 |
| Assets per employee ($millions) | 2.6583% | 6,703 |
| Cash dividends to net income (ytd only)* | 77.8409% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 2,583 |
| Loan loss allowance to noncurrent loans | 134.2618% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 4,689 |
| Noncurrent loans to loans | 1.4350% | 4,262 |
| Net loans and leases to total assets | 57.6860% | 4,691 |
| Net loans and leases to deposits | 67.6753% | 4,760 |
| Net loans and leases to core deposits | 69.9023% | 5,086 |
| Total domestic deposits to total assets | 85.2393% | 3,760 |
| Equity capital to assets | 10.3969% | 3,637 |
| Core capital (leverage) ratio | 8.5580% | 5,464 |
| Tier 1 risk-based capital ratio | 13.9055% | 4,232 |
| Total risk-based capital ratio | 15.1626% | 4,199 |
| Memoranda: | ||
| Average total assets | $42,312,000 | 6,711 |
| Average earning assets | $37,468,330 | 6,745 |
| Average equity | $4,269,000 | 6,755 |
| Average total loans | $24,831,670 | 6,547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 946 |
| Cost of funding earning assets | 1.0158% | 4,082 |
| Net interest margin | 4.6513% | 780 |
| Noninterest income to average assets | 1.0426% | 1,211 |
| Noninterest expense to average assets | 4.0851% | 940 |
| Loan and lease loss provision to assets | 0.4265% | 2,057 |
| Net operating income to assets | 0.6540% | 3,730 |
| Return on assets (ROA) | 0.6540% | 3,809 |
| Pretax return on assets | 0.6540% | 4,476 |
| Return on Equity (ROE) | 6.5832% | 3,590 |
| Retained earnings to average equity (ytd only) | 0.7633% | 5,519 |
| Net charge-offs to loans | 0.4042% | 2,480 |
| Credit loss provision to net charge-offs | 180.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | 4.5600% | 2,446 |
| Efficiency ratio | 79.0826% | 2,682 |
| Assets per employee ($millions) | 3.2543% | 5,588 |
| Cash dividends to net income (ytd only)* | 88.4058% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 2,978 |
| Loan loss allowance to noncurrent loans | 441.7476% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 5,970 |
| Noncurrent loans to loans | 0.4099% | 6,178 |
| Net loans and leases to total assets | 58.3203% | 4,589 |
| Net loans and leases to deposits | 67.5380% | 4,742 |
| Net loans and leases to core deposits | 70.2414% | 5,018 |
| Total domestic deposits to total assets | 86.3518% | 3,309 |
| Equity capital to assets | 9.9489% | 3,843 |
| Core capital (leverage) ratio | 8.3555% | 5,706 |
| Tier 1 risk-based capital ratio | 13.7011% | 4,282 |
| Total risk-based capital ratio | 14.9585% | 4,247 |
| Memoranda: | ||
| Average total assets | $42,202,000 | 6,753 |
| Average earning assets | $37,408,500 | 6,791 |
| Average equity | $4,192,500 | 6,813 |
| Average total loans | $24,739,000 | 6,601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 1,845 |
| Cost of funding earning assets | 1.4047% | 3,239 |
| Net interest margin | 4.2091% | 2,150 |
| Noninterest income to average assets | 0.9967% | 1,512 |
| Noninterest expense to average assets | 3.8768% | 1,351 |
| Loan and lease loss provision to assets | 0.8732% | 1,871 |
| Net operating income to assets | 0.0067% | 5,821 |
| Return on assets (ROA) | 0.2177% | 5,374 |
| Pretax return on assets | 0.2177% | 5,445 |
| Return on Equity (ROE) | 2.2422% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.2422% | 4,313 |
| Net charge-offs to loans | 1.4404% | 1,536 |
| Credit loss provision to net charge-offs | 99.7436% | 4,639 |
| Earnings coverage of net charge-offs (x) | 1.0051% | 5,107 |
| Efficiency ratio | 81.5007% | 2,223 |
| Assets per employee ($millions) | 2.6311% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,910 |
| Loan loss allowance to noncurrent loans | 98.6395% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 4,259 |
| Noncurrent loans to loans | 1.8111% | 3,801 |
| Net loans and leases to total assets | 56.8079% | 5,213 |
| Net loans and leases to deposits | 64.9423% | 5,522 |
| Net loans and leases to core deposits | 67.0357% | 5,769 |
| Total domestic deposits to total assets | 87.4745% | 2,567 |
| Equity capital to assets | 9.9197% | 3,856 |
| Core capital (leverage) ratio | 8.2969% | 5,693 |
| Tier 1 risk-based capital ratio | 14.2455% | 3,719 |
| Total risk-based capital ratio | 15.5033% | 3,664 |
| Memoranda: | ||
| Average total assets | $44,547,400 | 6,713 |
| Average earning assets | $39,794,800 | 6,724 |
| Average equity | $4,326,200 | 6,884 |
| Average total loans | $27,076,000 | 6,548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 1,992 |
| Cost of funding earning assets | 1.4709% | 3,137 |
| Net interest margin | 4.1494% | 2,408 |
| Noninterest income to average assets | 1.0186% | 1,418 |
| Noninterest expense to average assets | 3.9621% | 1,098 |
| Loan and lease loss provision to assets | 0.4310% | 3,324 |
| Net operating income to assets | 0.3484% | 4,980 |
| Return on assets (ROA) | 0.5078% | 4,469 |
| Pretax return on assets | 0.5078% | 4,899 |
| Return on Equity (ROE) | 5.2553% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.2553% | 2,808 |
| Net charge-offs to loans | 0.4947% | 3,297 |
| Credit loss provision to net charge-offs | 141.7476% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.5631% | 3,878 |
| Efficiency ratio | 83.5616% | 1,885 |
| Assets per employee ($millions) | 2.7579% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 2,986 |
| Loan loss allowance to noncurrent loans | 63.8667% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.7314% | 3,848 |
| Noncurrent loans to loans | 2.7413% | 2,896 |
| Net loans and leases to total assets | 60.9151% | 4,731 |
| Net loans and leases to deposits | 71.5369% | 4,900 |
| Net loans and leases to core deposits | 73.8036% | 5,318 |
| Total domestic deposits to total assets | 85.1519% | 3,546 |
| Equity capital to assets | 10.2953% | 3,772 |
| Core capital (leverage) ratio | 8.1526% | 6,117 |
| Tier 1 risk-based capital ratio | 13.2445% | 4,393 |
| Total risk-based capital ratio | 14.4995% | 4,356 |
| Memoranda: | ||
| Average total assets | $45,159,750 | 6,777 |
| Average earning assets | $40,518,750 | 6,777 |
| Average equity | $4,363,750 | 6,958 |
| Average total loans | $27,757,500 | 6,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 2,223 |
| Cost of funding earning assets | 1.5127% | 3,185 |
| Net interest margin | 4.0632% | 2,732 |
| Noninterest income to average assets | 0.9362% | 1,559 |
| Noninterest expense to average assets | 3.9689% | 1,084 |
| Loan and lease loss provision to assets | 0.4175% | 3,233 |
| Net operating income to assets | 0.1978% | 5,569 |
| Return on assets (ROA) | 0.4351% | 4,760 |
| Pretax return on assets | 0.4351% | 5,106 |
| Return on Equity (ROE) | 4.6004% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.6004% | 3,144 |
| Net charge-offs to loans | 0.5450% | 2,895 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.8421% | 4,139 |
| Efficiency ratio | 86.5772% | 1,647 |
| Assets per employee ($millions) | 3.0418% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,290 |
| Loan loss allowance to noncurrent loans | 52.9070% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 3,586 |
| Noncurrent loans to loans | 3.0975% | 2,591 |
| Net loans and leases to total assets | 59.8527% | 5,088 |
| Net loans and leases to deposits | 69.5452% | 5,340 |
| Net loans and leases to core deposits | 73.5794% | 5,491 |
| Total domestic deposits to total assets | 86.0631% | 3,043 |
| Equity capital to assets | 9.6785% | 4,429 |
| Core capital (leverage) ratio | 7.8516% | 6,438 |
| Tier 1 risk-based capital ratio | 12.6296% | 4,751 |
| Total risk-based capital ratio | 13.8832% | 4,712 |
| Memoranda: | ||
| Average total assets | $45,504,000 | 6,806 |
| Average earning assets | $40,855,000 | 6,818 |
| Average equity | $4,304,000 | 7,009 |
| Average total loans | $27,890,330 | 6,641 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 2,357 |
| Cost of funding earning assets | 1.5175% | 3,440 |
| Net interest margin | 4.0335% | 2,721 |
| Noninterest income to average assets | 0.7746% | 2,151 |
| Noninterest expense to average assets | 3.8026% | 1,326 |
| Loan and lease loss provision to assets | 0.4313% | 2,799 |
| Net operating income to assets | 0.1672% | 5,795 |
| Return on assets (ROA) | 0.1672% | 5,921 |
| Pretax return on assets | 0.1672% | 5,977 |
| Return on Equity (ROE) | 1.7891% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.7891% | 5,041 |
| Net charge-offs to loans | 0.5724% | 2,375 |
| Credit loss provision to net charge-offs | 122.5000% | 2,858 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 3,713 |
| Efficiency ratio | 86.4000% | 1,750 |
| Assets per employee ($millions) | 3.0603% | 6,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 3,385 |
| Loan loss allowance to noncurrent loans | 65.6342% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 4,221 |
| Noncurrent loans to loans | 2.4572% | 3,213 |
| Net loans and leases to total assets | 59.1386% | 5,266 |
| Net loans and leases to deposits | 67.4426% | 5,654 |
| Net loans and leases to core deposits | 71.2501% | 5,799 |
| Total domestic deposits to total assets | 87.6873% | 2,242 |
| Equity capital to assets | 9.3282% | 4,788 |
| Core capital (leverage) ratio | 7.7335% | 6,589 |
| Tier 1 risk-based capital ratio | 12.0754% | 5,113 |
| Total risk-based capital ratio | 13.3296% | 5,082 |
| Memoranda: | ||
| Average total assets | $45,442,500 | 6,894 |
| Average earning assets | $40,858,000 | 6,902 |
| Average equity | $4,248,000 | 7,099 |
| Average total loans | $27,953,500 | 6,724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1190% | 1,467 |
| Cost of funding earning assets | 1.8883% | 3,524 |
| Net interest margin | 4.2307% | 1,972 |
| Noninterest income to average assets | 0.9371% | 1,800 |
| Noninterest expense to average assets | 3.8262% | 1,647 |
| Loan and lease loss provision to assets | 0.5109% | 3,822 |
| Net operating income to assets | 0.3780% | 4,217 |
| Return on assets (ROA) | 0.4834% | 3,894 |
| Pretax return on assets | 0.4834% | 4,236 |
| Return on Equity (ROE) | 5.3788% | 3,481 |
| Retained earnings to average equity (ytd only) | -0.6118% | 5,143 |
| Net charge-offs to loans | 0.3021% | 4,744 |
| Credit loss provision to net charge-offs | 259.3023% | 1,355 |
| Earnings coverage of net charge-offs (x) | 4.5116% | 2,921 |
| Efficiency ratio | 81.1467% | 2,722 |
| Assets per employee ($millions) | 2.9987% | 6,230 |
| Cash dividends to net income (ytd only)* | 111.3744% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,530 |
| Loan loss allowance to noncurrent loans | 68.4458% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 4,237 |
| Noncurrent loans to loans | 2.2497% | 3,335 |
| Net loans and leases to total assets | 61.9795% | 4,992 |
| Net loans and leases to deposits | 70.6513% | 5,518 |
| Net loans and leases to core deposits | 97.6121% | 4,267 |
| Total domestic deposits to total assets | 87.7259% | 2,109 |
| Equity capital to assets | 9.3684% | 4,608 |
| Core capital (leverage) ratio | 7.9094% | 6,317 |
| Tier 1 risk-based capital ratio | 12.0613% | 4,892 |
| Total risk-based capital ratio | 13.3140% | 4,851 |
| Memoranda: | ||
| Average total assets | $43,646,400 | 6,958 |
| Average earning assets | $38,977,000 | 6,978 |
| Average equity | $3,922,800 | 7,320 |
| Average total loans | $28,465,800 | 6,718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2084% | 1,356 |
| Cost of funding earning assets | 1.9705% | 3,510 |
| Net interest margin | 4.2378% | 1,914 |
| Noninterest income to average assets | 0.9235% | 1,890 |
| Noninterest expense to average assets | 3.8756% | 1,469 |
| Loan and lease loss provision to assets | 0.5449% | 3,209 |
| Net operating income to assets | 0.2832% | 4,846 |
| Return on assets (ROA) | 0.4248% | 4,406 |
| Pretax return on assets | 0.4248% | 4,728 |
| Return on Equity (ROE) | 4.7792% | 4,058 |
| Retained earnings to average equity (ytd only) | 0.9696% | 4,769 |
| Net charge-offs to loans | 0.3321% | 3,973 |
| Credit loss provision to net charge-offs | 249.2958% | 1,731 |
| Earnings coverage of net charge-offs (x) | 3.7889% | 3,386 |
| Efficiency ratio | 82.3953% | 2,525 |
| Assets per employee ($millions) | 2.8376% | 6,564 |
| Cash dividends to net income (ytd only)* | 79.7065% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 3,772 |
| Loan loss allowance to noncurrent loans | 66.9421% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4613% | 4,185 |
| Noncurrent loans to loans | 2.1392% | 3,459 |
| Net loans and leases to total assets | 65.4943% | 4,536 |
| Net loans and leases to deposits | 75.2720% | 5,166 |
| Net loans and leases to core deposits | 99.7674% | 4,399 |
| Total domestic deposits to total assets | 87.0101% | 2,176 |
| Equity capital to assets | 9.2731% | 5,069 |
| Core capital (leverage) ratio | 7.3885% | 7,091 |
| Tier 1 risk-based capital ratio | 11.1695% | 5,791 |
| Total risk-based capital ratio | 12.4209% | 5,733 |
| Memoranda: | ||
| Average total assets | $43,312,750 | 7,023 |
| Average earning assets | $38,635,000 | 7,048 |
| Average equity | $3,850,000 | 7,401 |
| Average total loans | $28,503,500 | 6,770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 1,323 |
| Cost of funding earning assets | 2.0417% | 3,565 |
| Net interest margin | 4.2123% | 1,951 |
| Noninterest income to average assets | 1.0422% | 1,456 |
| Noninterest expense to average assets | 3.7647% | 1,713 |
| Loan and lease loss provision to assets | 0.6014% | 2,645 |
| Net operating income to assets | 0.4270% | 4,390 |
| Return on assets (ROA) | 0.6382% | 3,621 |
| Pretax return on assets | 0.6382% | 4,203 |
| Return on Equity (ROE) | 7.2819% | 3,073 |
| Retained earnings to average equity (ytd only) | 1.5193% | 4,479 |
| Net charge-offs to loans | 0.2240% | 4,094 |
| Credit loss provision to net charge-offs | 409.3750% | 1,133 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,510 |
| Efficiency ratio | 78.5441% | 3,263 |
| Assets per employee ($millions) | 2.8577% | 6,498 |
| Cash dividends to net income (ytd only)* | 79.1367% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 3,760 |
| Loan loss allowance to noncurrent loans | 48.1258% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.2466% | 2,895 |
| Noncurrent loans to loans | 2.8948% | 2,491 |
| Net loans and leases to total assets | 65.7180% | 4,626 |
| Net loans and leases to deposits | 75.2022% | 5,291 |
| Net loans and leases to core deposits | 99.7309% | 4,535 |
| Total domestic deposits to total assets | 87.3883% | 2,058 |
| Equity capital to assets | 8.8347% | 5,548 |
| Core capital (leverage) ratio | 7.3928% | 7,140 |
| Tier 1 risk-based capital ratio | 10.9622% | 5,914 |
| Total risk-based capital ratio | 12.2145% | 5,848 |
| Memoranda: | ||
| Average total assets | $43,562,330 | 7,074 |
| Average earning assets | $38,791,330 | 7,101 |
| Average equity | $3,817,670 | 7,469 |
| Average total loans | $28,577,330 | 6,816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4396% | 974 |
| Cost of funding earning assets | 2.0513% | 3,867 |
| Net interest margin | 4.3883% | 1,377 |
| Noninterest income to average assets | 1.1022% | 1,229 |
| Noninterest expense to average assets | 3.7348% | 1,584 |
| Loan and lease loss provision to assets | 0.7743% | 1,663 |
| Net operating income to assets | 0.5101% | 4,371 |
| Return on assets (ROA) | 0.9109% | 2,804 |
| Pretax return on assets | 0.9109% | 3,677 |
| Return on Equity (ROE) | 10.4357% | 2,152 |
| Retained earnings to average equity (ytd only) | -1.0436% | 5,891 |
| Net charge-offs to loans | 0.0280% | 5,135 |
| Credit loss provision to net charge-offs | 4,250.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 573 |
| Efficiency ratio | 74.4102% | 3,750 |
| Assets per employee ($millions) | 3.3265% | 5,264 |
| Cash dividends to net income (ytd only)* | 110.0000% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 3,952 |
| Loan loss allowance to noncurrent loans | 86.8182% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 4,316 |
| Noncurrent loans to loans | 1.5219% | 4,002 |
| Net loans and leases to total assets | 65.9722% | 4,589 |
| Net loans and leases to deposits | 77.6891% | 4,976 |
| Net loans and leases to core deposits | 103.8022% | 4,157 |
| Total domestic deposits to total assets | 84.9181% | 3,246 |
| Equity capital to assets | 8.8290% | 5,575 |
| Core capital (leverage) ratio | 7.1993% | 7,479 |
| Tier 1 risk-based capital ratio | 10.9697% | 5,928 |
| Total risk-based capital ratio | 12.2210% | 5,833 |
| Memoranda: | ||
| Average total assets | $43,911,000 | 7,106 |
| Average earning assets | $39,195,000 | 7,120 |
| Average equity | $3,833,000 | 7,509 |
| Average total loans | $28,582,000 | 6,842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5784% | 2,588 |
| Cost of funding earning assets | 2.5983% | 3,692 |
| Net interest margin | 3.9801% | 3,217 |
| Noninterest income to average assets | 1.1992% | 1,042 |
| Noninterest expense to average assets | 3.2948% | 2,979 |
| Loan and lease loss provision to assets | 0.3966% | 3,312 |
| Net operating income to assets | 1.0631% | 2,294 |
| Return on assets (ROA) | 1.0818% | 2,135 |
| Pretax return on assets | 1.0818% | 3,087 |
| Return on Equity (ROE) | 12.7913% | 1,387 |
| Retained earnings to average equity (ytd only) | 4.5782% | 2,276 |
| Net charge-offs to loans | 0.6555% | 1,893 |
| Credit loss provision to net charge-offs | 99.4118% | 5,397 |
| Earnings coverage of net charge-offs (x) | 3.6588% | 4,267 |
| Efficiency ratio | 69.2991% | 4,479 |
| Assets per employee ($millions) | 3.4291% | 4,856 |
| Cash dividends to net income (ytd only)* | 64.2082% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 5,554 |
| Loan loss allowance to noncurrent loans | 87.4269% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9220% | 4,534 |
| Noncurrent loans to loans | 1.2105% | 4,096 |
| Net loans and leases to total assets | 62.7081% | 5,508 |
| Net loans and leases to deposits | 77.1145% | 5,454 |
| Net loans and leases to core deposits | 101.2129% | 4,700 |
| Total domestic deposits to total assets | 81.3181% | 4,505 |
| Equity capital to assets | 8.6321% | 5,888 |
| Core capital (leverage) ratio | 7.2484% | 7,470 |
| Tier 1 risk-based capital ratio | 10.8887% | 5,821 |
| Total risk-based capital ratio | 11.9512% | 5,909 |
| Memoranda: | ||
| Average total assets | $42,612,800 | 7,093 |
| Average earning assets | $38,064,000 | 7,133 |
| Average equity | $3,604,000 | 7,646 |
| Average total loans | $25,932,600 | 6,970 |