Home > Gateway Bank > Performance and Condition Ratios
Gateway Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0295% | 217 |
| Cost of funding earning assets | 2.9549% | 159 |
| Net interest margin | 4.0747% | 1,097 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.7248% | 1,677 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 1.0095% | 2,189 |
| Return on assets (ROA) | 1.0095% | 2,171 |
| Pretax return on assets | 1.0095% | 2,660 |
| Return on Equity (ROE) | 11.0300% | 2,219 |
| Retained earnings to average equity (ytd only) | 11.0339% | 786 |
| Net charge-offs to loans | 0.3235% | 337 |
| Credit loss provision to net charge-offs | 104.1667% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.4051% | 2,591 |
| Efficiency ratio | 66.8698% | 2,245 |
| Assets per employee ($millions) | 6.5687% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,172 |
| Loan loss allowance to noncurrent loans | 103.5530% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 417 |
| Noncurrent loans to loans | 1.1790% | 608 |
| Net loans and leases to total assets | 92.7400% | 8 |
| Net loans and leases to deposits | 112.0257% | 167 |
| Net loans and leases to core deposits | 175.2217% | 112 |
| Total domestic deposits to total assets | 82.7800% | 2,946 |
| Equity capital to assets | 8.6242% | 2,950 |
| Core capital (leverage) ratio | 8.7396% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $140,965,200 | 3,452 |
| Average earning assets | $135,471,000 | 3,385 |
| Average equity | $12,896,600 | 3,436 |
| Average total loans | $133,522,800 | 2,833 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7830% | 237 |
| Cost of funding earning assets | 2.6776% | 202 |
| Net interest margin | 4.1055% | 1,060 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.7164% | 1,612 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.1784% | 1,851 |
| Return on assets (ROA) | 1.1784% | 1,836 |
| Pretax return on assets | 1.1784% | 2,349 |
| Return on Equity (ROE) | 12.6700% | 1,963 |
| Retained earnings to average equity (ytd only) | 12.6709% | 858 |
| Net charge-offs to loans | 0.2966% | 295 |
| Credit loss provision to net charge-offs | 81.3149% | 1,751 |
| Earnings coverage of net charge-offs (x) | 4.9965% | 2,367 |
| Efficiency ratio | 65.8710% | 2,296 |
| Assets per employee ($millions) | 6.1157% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,189 |
| Loan loss allowance to noncurrent loans | 117.5474% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 516 |
| Noncurrent loans to loans | 1.0508% | 766 |
| Net loans and leases to total assets | 94.5200% | 5 |
| Net loans and leases to deposits | 118.6563% | 90 |
| Net loans and leases to core deposits | 170.4179% | 70 |
| Total domestic deposits to total assets | 79.6500% | 3,578 |
| Equity capital to assets | 9.1172% | 2,352 |
| Core capital (leverage) ratio | 9.3248% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $136,794,250 | 3,494 |
| Average earning assets | $131,658,250 | 3,437 |
| Average equity | $12,721,750 | 3,449 |
| Average total loans | $129,902,250 | 2,865 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4522% | 273 |
| Cost of funding earning assets | 2.3119% | 270 |
| Net interest margin | 4.1403% | 1,020 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.7752% | 1,469 |
| Loan and lease loss provision to assets | 0.3400% | 263 |
| Net operating income to assets | 1.0624% | 2,227 |
| Return on assets (ROA) | 1.0624% | 2,223 |
| Pretax return on assets | 1.0624% | 2,742 |
| Return on Equity (ROE) | 11.3400% | 2,342 |
| Retained earnings to average equity (ytd only) | 11.3425% | 1,114 |
| Net charge-offs to loans | 0.4558% | 187 |
| Credit loss provision to net charge-offs | 78.4722% | 1,558 |
| Earnings coverage of net charge-offs (x) | 3.2465% | 2,270 |
| Efficiency ratio | 66.4514% | 2,182 |
| Assets per employee ($millions) | 6.3922% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,017 |
| Loan loss allowance to noncurrent loans | 265.6923% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 1,160 |
| Noncurrent loans to loans | 0.4811% | 1,511 |
| Net loans and leases to total assets | 94.8400% | 4 |
| Net loans and leases to deposits | 118.3339% | 105 |
| Net loans and leases to core deposits | 172.0875% | 74 |
| Total domestic deposits to total assets | 80.1500% | 3,556 |
| Equity capital to assets | 9.1603% | 2,402 |
| Core capital (leverage) ratio | 9.2777% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,466,667 | 3,531 |
| Average earning assets | $128,637,667 | 3,479 |
| Average equity | $12,501,667 | 3,490 |
| Average total loans | $126,382,333 | 2,888 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1285% | 266 |
| Cost of funding earning assets | 1.8749% | 388 |
| Net interest margin | 4.2536% | 871 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.7039% | 1,659 |
| Loan and lease loss provision to assets | 0.6700% | 102 |
| Net operating income to assets | 0.8531% | 3,008 |
| Return on assets (ROA) | 0.8531% | 2,962 |
| Pretax return on assets | 0.8531% | 3,336 |
| Return on Equity (ROE) | 9.0000% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.9997% | 1,953 |
| Net charge-offs to loans | 0.9146% | 85 |
| Credit loss provision to net charge-offs | 77.4194% | 1,223 |
| Earnings coverage of net charge-offs (x) | 1.7670% | 1,956 |
| Efficiency ratio | 64.0408% | 2,452 |
| Assets per employee ($millions) | 6.2249% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 1,743 |
| Loan loss allowance to noncurrent loans | 165.8021% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 632 |
| Noncurrent loans to loans | 0.8253% | 928 |
| Net loans and leases to total assets | 90.8500% | 25 |
| Net loans and leases to deposits | 112.8184% | 140 |
| Net loans and leases to core deposits | 164.8274% | 76 |
| Total domestic deposits to total assets | 80.5300% | 3,701 |
| Equity capital to assets | 9.0911% | 2,444 |
| Core capital (leverage) ratio | 9.7319% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $129,885,500 | 3,617 |
| Average earning assets | $125,446,000 | 3,548 |
| Average equity | $12,311,500 | 3,546 |
| Average total loans | $122,023,500 | 2,955 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 154 |
| Cost of funding earning assets | 0.7116% | 558 |
| Net interest margin | 4.7909% | 178 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.6598% | 1,654 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 1.7384% | 499 |
| Return on assets (ROA) | 1.7384% | 477 |
| Pretax return on assets | 1.7384% | 846 |
| Return on Equity (ROE) | 17.8000% | 734 |
| Retained earnings to average equity (ytd only) | 17.8004% | 147 |
| Net charge-offs to loans | -0.0010% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.7926% | 3,600 |
| Assets per employee ($millions) | 6.4644% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,154 |
| Loan loss allowance to noncurrent loans | 142.2099% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 421 |
| Noncurrent loans to loans | 1.0670% | 675 |
| Net loans and leases to total assets | 94.5400% | 6 |
| Net loans and leases to deposits | 116.7251% | 88 |
| Net loans and leases to core deposits | 151.6363% | 89 |
| Total domestic deposits to total assets | 80.9900% | 3,756 |
| Equity capital to assets | 9.8995% | 1,757 |
| Core capital (leverage) ratio | 10.2931% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $114,068,800 | 3,786 |
| Average earning assets | $110,313,000 | 3,720 |
| Average equity | $11,140,200 | 3,750 |
| Average total loans | $101,338,200 | 3,135 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 134 |
| Cost of funding earning assets | 0.5320% | 631 |
| Net interest margin | 4.8180% | 144 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.6313% | 1,643 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.8460% | 387 |
| Return on assets (ROA) | 1.8460% | 376 |
| Pretax return on assets | 1.8460% | 662 |
| Return on Equity (ROE) | 18.9700% | 530 |
| Retained earnings to average equity (ytd only) | 18.9728% | 131 |
| Net charge-offs to loans | -0.0014% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.8708% | 3,738 |
| Assets per employee ($millions) | 6.3143% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,259 |
| Loan loss allowance to noncurrent loans | 454.1667% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 1,674 |
| Noncurrent loans to loans | 0.3331% | 2,034 |
| Net loans and leases to total assets | 93.6600% | 7 |
| Net loans and leases to deposits | 111.1435% | 115 |
| Net loans and leases to core deposits | 133.0105% | 133 |
| Total domestic deposits to total assets | 84.2700% | 3,438 |
| Equity capital to assets | 10.3160% | 1,457 |
| Core capital (leverage) ratio | 10.1988% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,880,000 | 3,838 |
| Average earning assets | $108,258,750 | 3,769 |
| Average equity | $10,885,500 | 3,819 |
| Average total loans | $97,196,250 | 3,203 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 149 |
| Cost of funding earning assets | 0.4143% | 837 |
| Net interest margin | 4.6758% | 152 |
| Noninterest income to average assets | 0.1222% | 4,388 |
| Noninterest expense to average assets | 2.5771% | 1,704 |
| Loan and lease loss provision to assets | 0.2157% | 369 |
| Net operating income to assets | 1.8529% | 302 |
| Return on assets (ROA) | 1.8529% | 297 |
| Pretax return on assets | 1.8529% | 527 |
| Return on Equity (ROE) | 19.4424% | 348 |
| Retained earnings to average equity (ytd only) | 19.4424% | 84 |
| Net charge-offs to loans | -0.0021% | 3,145 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4739% | 3,827 |
| Assets per employee ($millions) | 7.1823% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,413 |
| Loan loss allowance to noncurrent loans | 87.2727% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 241 |
| Noncurrent loans to loans | 1.7150% | 401 |
| Net loans and leases to total assets | 85.2170% | 121 |
| Net loans and leases to deposits | 97.4495% | 367 |
| Net loans and leases to core deposits | 116.1619% | 240 |
| Total domestic deposits to total assets | 87.4474% | 2,785 |
| Equity capital to assets | 9.7523% | 1,849 |
| Core capital (leverage) ratio | 9.9377% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,287,333 | 3,886 |
| Average earning assets | $107,659,667 | 3,826 |
| Average equity | $10,605,667 | 3,922 |
| Average total loans | $93,566,333 | 3,283 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 150 |
| Cost of funding earning assets | 0.3898% | 923 |
| Net interest margin | 4.6325% | 149 |
| Noninterest income to average assets | 0.1315% | 4,354 |
| Noninterest expense to average assets | 2.7404% | 1,274 |
| Loan and lease loss provision to assets | 0.1900% | 394 |
| Net operating income to assets | 1.6735% | 431 |
| Return on assets (ROA) | 1.6735% | 431 |
| Pretax return on assets | 1.6735% | 720 |
| Return on Equity (ROE) | 17.7778% | 357 |
| Retained earnings to average equity (ytd only) | 17.7778% | 147 |
| Net charge-offs to loans | -0.0044% | 3,302 |
| Credit loss provision to net charge-offs | -5,200.0000% | 3,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 3,534 |
| Assets per employee ($millions) | 7.9077% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,431 |
| Loan loss allowance to noncurrent loans | 171.0843% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 749 |
| Noncurrent loans to loans | 0.8982% | 1,032 |
| Net loans and leases to total assets | 82.1865% | 153 |
| Net loans and leases to deposits | 93.8513% | 370 |
| Net loans and leases to core deposits | 113.2087% | 202 |
| Total domestic deposits to total assets | 87.5709% | 2,715 |
| Equity capital to assets | 9.6054% | 2,206 |
| Core capital (leverage) ratio | 9.6952% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,473,000 | 3,922 |
| Average earning assets | $105,689,000 | 3,864 |
| Average equity | $10,305,000 | 4,018 |
| Average total loans | $90,641,500 | 3,321 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 195 |
| Cost of funding earning assets | 0.4631% | 1,107 |
| Net interest margin | 4.7277% | 198 |
| Noninterest income to average assets | 0.1305% | 4,495 |
| Noninterest expense to average assets | 2.7802% | 1,410 |
| Loan and lease loss provision to assets | 0.2997% | 270 |
| Net operating income to assets | 1.5927% | 828 |
| Return on assets (ROA) | 1.5927% | 863 |
| Pretax return on assets | 1.5927% | 1,448 |
| Return on Equity (ROE) | 15.4421% | 853 |
| Retained earnings to average equity (ytd only) | 4.4656% | 3,019 |
| Net charge-offs to loans | 0.0526% | 1,277 |
| Credit loss provision to net charge-offs | 683.3333% | 675 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 1,391 |
| Efficiency ratio | 59.4993% | 3,227 |
| Assets per employee ($millions) | 6.3669% | 2,437 |
| Cash dividends to net income (ytd only)* | 71.0820% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,434 |
| Loan loss allowance to noncurrent loans | 1,775.3247% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,464 |
| Noncurrent loans to loans | 0.0866% | 3,501 |
| Net loans and leases to total assets | 80.8487% | 229 |
| Net loans and leases to deposits | 92.9316% | 418 |
| Net loans and leases to core deposits | 111.9915% | 257 |
| Total domestic deposits to total assets | 86.9981% | 2,520 |
| Equity capital to assets | 9.2167% | 3,404 |
| Core capital (leverage) ratio | 9.5065% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,749,200 | 4,033 |
| Average earning assets | $91,988,800 | 3,994 |
| Average equity | $9,875,600 | 4,143 |
| Average total loans | $79,870,200 | 3,484 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 232 |
| Cost of funding earning assets | 0.4838% | 1,140 |
| Net interest margin | 4.6935% | 229 |
| Noninterest income to average assets | 0.1367% | 4,514 |
| Noninterest expense to average assets | 2.7911% | 1,363 |
| Loan and lease loss provision to assets | 0.2073% | 485 |
| Net operating income to assets | 1.6352% | 945 |
| Return on assets (ROA) | 1.6352% | 996 |
| Pretax return on assets | 1.6352% | 1,593 |
| Return on Equity (ROE) | 15.3762% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.9317% | 2,074 |
| Net charge-offs to loans | 0.0876% | 816 |
| Credit loss provision to net charge-offs | 282.3529% | 1,035 |
| Earnings coverage of net charge-offs (x) | 25.0980% | 1,626 |
| Efficiency ratio | 60.2361% | 2,951 |
| Assets per employee ($millions) | 6.2832% | 2,438 |
| Cash dividends to net income (ytd only)* | 48.4155% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 1,808 |
| Loan loss allowance to noncurrent loans | 342.2535% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 2,019 |
| Noncurrent loans to loans | 0.4242% | 2,293 |
| Net loans and leases to total assets | 82.0284% | 185 |
| Net loans and leases to deposits | 93.3875% | 435 |
| Net loans and leases to core deposits | 113.0341% | 271 |
| Total domestic deposits to total assets | 87.8366% | 1,941 |
| Equity capital to assets | 10.0675% | 2,831 |
| Core capital (leverage) ratio | 10.2792% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,627,000 | 4,125 |
| Average earning assets | $88,745,500 | 4,085 |
| Average equity | $9,850,500 | 4,203 |
| Average total loans | $77,618,750 | 3,570 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 258 |
| Cost of funding earning assets | 0.5041% | 1,170 |
| Net interest margin | 4.6925% | 266 |
| Noninterest income to average assets | 0.1422% | 4,492 |
| Noninterest expense to average assets | 2.8536% | 1,248 |
| Loan and lease loss provision to assets | 0.1778% | 647 |
| Net operating income to assets | 1.6001% | 1,048 |
| Return on assets (ROA) | 1.6001% | 1,105 |
| Pretax return on assets | 1.6001% | 1,733 |
| Return on Equity (ROE) | 14.7536% | 1,219 |
| Retained earnings to average equity (ytd only) | 6.5572% | 2,598 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6123% | 2,781 |
| Assets per employee ($millions) | 7.6377% | 1,399 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 1,518 |
| Loan loss allowance to noncurrent loans | 103.7101% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.2646% | 519 |
| Noncurrent loans to loans | 1.4672% | 779 |
| Net loans and leases to total assets | 84.8798% | 108 |
| Net loans and leases to deposits | 100.2578% | 247 |
| Net loans and leases to core deposits | 115.5757% | 269 |
| Total domestic deposits to total assets | 84.6615% | 3,235 |
| Equity capital to assets | 10.7526% | 2,183 |
| Core capital (leverage) ratio | 11.1949% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,992,333 | 4,174 |
| Average earning assets | $86,094,000 | 4,133 |
| Average equity | $9,760,333 | 4,232 |
| Average total loans | $75,598,667 | 3,625 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 260 |
| Cost of funding earning assets | 0.5700% | 1,008 |
| Net interest margin | 4.6587% | 282 |
| Noninterest income to average assets | 0.1660% | 4,370 |
| Noninterest expense to average assets | 2.7680% | 1,442 |
| Loan and lease loss provision to assets | 0.2378% | 457 |
| Net operating income to assets | 1.5971% | 1,136 |
| Return on assets (ROA) | 1.5971% | 1,186 |
| Pretax return on assets | 1.5971% | 1,737 |
| Return on Equity (ROE) | 14.6608% | 1,286 |
| Retained earnings to average equity (ytd only) | 14.6608% | 664 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1365% | 3,015 |
| Assets per employee ($millions) | 7.3552% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,312 |
| Loan loss allowance to noncurrent loans | 302.0566% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 2,070 |
| Noncurrent loans to loans | 0.5280% | 2,270 |
| Net loans and leases to total assets | 82.1441% | 219 |
| Net loans and leases to deposits | 95.1033% | 435 |
| Net loans and leases to core deposits | 115.1721% | 299 |
| Total domestic deposits to total assets | 86.3735% | 2,591 |
| Equity capital to assets | 11.2064% | 1,718 |
| Core capital (leverage) ratio | 11.1210% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,162,500 | 4,197 |
| Average earning assets | $84,916,500 | 4,156 |
| Average equity | $9,713,000 | 4,244 |
| Average total loans | $73,900,000 | 3,671 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 180 |
| Cost of funding earning assets | 1.0869% | 424 |
| Net interest margin | 4.4460% | 365 |
| Noninterest income to average assets | 0.1546% | 4,520 |
| Noninterest expense to average assets | 2.7884% | 1,973 |
| Loan and lease loss provision to assets | 0.4468% | 628 |
| Net operating income to assets | 1.1774% | 1,623 |
| Return on assets (ROA) | 1.1774% | 1,736 |
| Pretax return on assets | 1.1774% | 2,409 |
| Return on Equity (ROE) | 10.6302% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.1788% | 2,199 |
| Net charge-offs to loans | 0.1442% | 1,123 |
| Credit loss provision to net charge-offs | 366.3366% | 1,536 |
| Earnings coverage of net charge-offs (x) | 13.3168% | 2,285 |
| Efficiency ratio | 62.7258% | 3,014 |
| Assets per employee ($millions) | 9.0063% | 740 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,536 |
| Loan loss allowance to noncurrent loans | 86.4407% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 514 |
| Noncurrent loans to loans | 1.7511% | 717 |
| Net loans and leases to total assets | 81.0555% | 361 |
| Net loans and leases to deposits | 94.3092% | 642 |
| Net loans and leases to core deposits | 113.8311% | 413 |
| Total domestic deposits to total assets | 85.9465% | 2,387 |
| Equity capital to assets | 10.5870% | 2,599 |
| Core capital (leverage) ratio | 11.3420% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,808,400 | 4,210 |
| Average earning assets | $79,307,600 | 4,166 |
| Average equity | $9,172,000 | 4,289 |
| Average total loans | $70,058,600 | 3,731 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6606% | 164 |
| Cost of funding earning assets | 1.2102% | 354 |
| Net interest margin | 4.4505% | 431 |
| Noninterest income to average assets | 0.1152% | 4,700 |
| Noninterest expense to average assets | 2.7343% | 2,162 |
| Loan and lease loss provision to assets | 0.5815% | 446 |
| Net operating income to assets | 1.0618% | 2,103 |
| Return on assets (ROA) | 1.0618% | 2,237 |
| Pretax return on assets | 1.0618% | 2,872 |
| Return on Equity (ROE) | 9.4698% | 2,213 |
| Retained earnings to average equity (ytd only) | 2.8630% | 3,574 |
| Net charge-offs to loans | 0.1950% | 781 |
| Credit loss provision to net charge-offs | 349.5050% | 1,612 |
| Earnings coverage of net charge-offs (x) | 9.8812% | 2,394 |
| Efficiency ratio | 60.8876% | 3,239 |
| Assets per employee ($millions) | 8.4113% | 873 |
| Cash dividends to net income (ytd only)* | 69.7674% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,256 |
| Loan loss allowance to noncurrent loans | 83.1452% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 415 |
| Noncurrent loans to loans | 1.8575% | 697 |
| Net loans and leases to total assets | 83.7457% | 301 |
| Net loans and leases to deposits | 98.2112% | 614 |
| Net loans and leases to core deposits | 120.3256% | 407 |
| Total domestic deposits to total assets | 85.2710% | 2,328 |
| Equity capital to assets | 11.0031% | 2,395 |
| Core capital (leverage) ratio | 10.9856% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,994,750 | 4,242 |
| Average earning assets | $77,563,000 | 4,202 |
| Average equity | $9,081,250 | 4,314 |
| Average total loans | $69,042,500 | 3,765 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6333% | 261 |
| Cost of funding earning assets | 1.2916% | 373 |
| Net interest margin | 4.3417% | 687 |
| Noninterest income to average assets | 0.1001% | 4,782 |
| Noninterest expense to average assets | 2.6540% | 2,509 |
| Loan and lease loss provision to assets | 0.7504% | 343 |
| Net operating income to assets | 0.8580% | 2,842 |
| Return on assets (ROA) | 0.8580% | 2,961 |
| Pretax return on assets | 0.8580% | 3,433 |
| Return on Equity (ROE) | 7.6025% | 2,896 |
| Retained earnings to average equity (ytd only) | -1.2634% | 4,513 |
| Net charge-offs to loans | 0.3049% | 524 |
| Credit loss provision to net charge-offs | 288.4615% | 1,652 |
| Earnings coverage of net charge-offs (x) | 6.1827% | 2,457 |
| Efficiency ratio | 61.6197% | 3,181 |
| Assets per employee ($millions) | 7.6580% | 1,100 |
| Cash dividends to net income (ytd only)* | 116.6181% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 1,362 |
| Loan loss allowance to noncurrent loans | 72.6454% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.8531% | 419 |
| Noncurrent loans to loans | 2.0194% | 666 |
| Net loans and leases to total assets | 83.6404% | 280 |
| Net loans and leases to deposits | 98.4779% | 629 |
| Net loans and leases to core deposits | 123.2951% | 354 |
| Total domestic deposits to total assets | 84.9332% | 2,428 |
| Equity capital to assets | 10.6876% | 2,585 |
| Core capital (leverage) ratio | 10.8866% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,955,333 | 4,252 |
| Average earning assets | $76,651,333 | 4,215 |
| Average equity | $9,023,333 | 4,338 |
| Average total loans | $68,208,000 | 3,789 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 465 |
| Cost of funding earning assets | 1.3905% | 412 |
| Net interest margin | 4.0050% | 1,380 |
| Noninterest income to average assets | 0.3753% | 3,266 |
| Noninterest expense to average assets | 2.7090% | 2,683 |
| Loan and lease loss provision to assets | 0.2313% | 1,341 |
| Net operating income to assets | 1.2697% | 1,330 |
| Return on assets (ROA) | 1.2697% | 1,425 |
| Pretax return on assets | 1.2697% | 1,967 |
| Return on Equity (ROE) | 10.9371% | 1,429 |
| Retained earnings to average equity (ytd only) | -2.3468% | 4,288 |
| Net charge-offs to loans | 0.3305% | 442 |
| Credit loss provision to net charge-offs | 81.8182% | 1,931 |
| Earnings coverage of net charge-offs (x) | 5.3091% | 2,069 |
| Efficiency ratio | 63.7363% | 3,274 |
| Assets per employee ($millions) | 7.1902% | 1,008 |
| Cash dividends to net income (ytd only)* | 121.4575% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,502 |
| Loan loss allowance to noncurrent loans | 54.2820% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.1115% | 369 |
| Noncurrent loans to loans | 2.2699% | 563 |
| Net loans and leases to total assets | 85.4359% | 172 |
| Net loans and leases to deposits | 100.1749% | 548 |
| Net loans and leases to core deposits | 129.6812% | 274 |
| Total domestic deposits to total assets | 85.2868% | 2,296 |
| Equity capital to assets | 11.3880% | 2,534 |
| Core capital (leverage) ratio | 11.6541% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,814,000 | 4,292 |
| Average earning assets | $74,507,500 | 4,247 |
| Average equity | $9,033,500 | 4,365 |
| Average total loans | $66,559,000 | 3,826 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 561 |
| Cost of funding earning assets | 1.6096% | 286 |
| Net interest margin | 3.8926% | 2,204 |
| Noninterest income to average assets | 0.1535% | 4,724 |
| Noninterest expense to average assets | 2.9490% | 2,149 |
| Loan and lease loss provision to assets | 0.1889% | 1,086 |
| Net operating income to assets | 0.6861% | 3,908 |
| Return on assets (ROA) | 0.6861% | 3,975 |
| Pretax return on assets | 0.6861% | 4,238 |
| Return on Equity (ROE) | 5.9891% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.7294% | 2,564 |
| Net charge-offs to loans | -0.1149% | 4,974 |
| Credit loss provision to net charge-offs | -202.8169% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3636% | 1,321 |
| Assets per employee ($millions) | 6.9578% | 1,054 |
| Cash dividends to net income (ytd only)* | 21.0325% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 1,842 |
| Loan loss allowance to noncurrent loans | 60.7550% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.0448% | 374 |
| Noncurrent loans to loans | 2.1699% | 576 |
| Net loans and leases to total assets | 83.4235% | 377 |
| Net loans and leases to deposits | 97.8814% | 770 |
| Net loans and leases to core deposits | 129.1496% | 286 |
| Total domestic deposits to total assets | 85.2292% | 2,402 |
| Equity capital to assets | 11.8376% | 2,249 |
| Core capital (leverage) ratio | 11.7138% | 1,952 |
| Tier 1 risk-based capital ratio | 15.8267% | 2,468 |
| Total risk-based capital ratio | 17.0797% | 2,410 |
| Memoranda: | ||
| Average total assets | $76,229,600 | 4,346 |
| Average earning assets | $71,880,600 | 4,314 |
| Average equity | $8,732,600 | 4,416 |
| Average total loans | $61,789,000 | 3,950 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 628 |
| Cost of funding earning assets | 1.6332% | 263 |
| Net interest margin | 3.8313% | 2,498 |
| Noninterest income to average assets | 0.1261% | 4,899 |
| Noninterest expense to average assets | 3.1235% | 1,659 |
| Loan and lease loss provision to assets | 0.2346% | 715 |
| Net operating income to assets | 0.3659% | 4,777 |
| Return on assets (ROA) | 0.3659% | 4,799 |
| Pretax return on assets | 0.3659% | 4,843 |
| Return on Equity (ROE) | 3.2212% | 4,731 |
| Retained earnings to average equity (ytd only) | 1.5259% | 4,425 |
| Net charge-offs to loans | -0.0328% | 4,719 |
| Credit loss provision to net charge-offs | -893.3333% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1218% | 681 |
| Assets per employee ($millions) | 6.9158% | 1,059 |
| Cash dividends to net income (ytd only)* | 52.6304% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,186 |
| Loan loss allowance to noncurrent loans | 447.1591% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 2,740 |
| Noncurrent loans to loans | 0.2813% | 3,531 |
| Net loans and leases to total assets | 81.1999% | 683 |
| Net loans and leases to deposits | 94.8616% | 1,140 |
| Net loans and leases to core deposits | 125.6652% | 375 |
| Total domestic deposits to total assets | 85.5982% | 2,167 |
| Equity capital to assets | 11.4967% | 2,658 |
| Core capital (leverage) ratio | 11.5036% | 2,216 |
| Tier 1 risk-based capital ratio | 15.5936% | 2,605 |
| Total risk-based capital ratio | 16.8448% | 2,543 |
| Memoranda: | ||
| Average total assets | $76,153,000 | 4,402 |
| Average earning assets | $71,514,500 | 4,376 |
| Average equity | $8,650,750 | 4,473 |
| Average total loans | $61,060,750 | 4,006 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 687 |
| Cost of funding earning assets | 1.6251% | 250 |
| Net interest margin | 3.7714% | 2,689 |
| Noninterest income to average assets | -0.0210% | 5,271 |
| Noninterest expense to average assets | 3.1846% | 1,541 |
| Loan and lease loss provision to assets | 0.2993% | 465 |
| Net operating income to assets | 0.0289% | 5,089 |
| Return on assets (ROA) | 0.0289% | 5,098 |
| Pretax return on assets | 0.0289% | 5,100 |
| Return on Equity (ROE) | 0.2553% | 5,098 |
| Retained earnings to average equity (ytd only) | -2.2973% | 4,933 |
| Net charge-offs to loans | -0.0066% | 4,201 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8356% | 355 |
| Assets per employee ($millions) | 5.1460% | 2,310 |
| Cash dividends to net income (ytd only)* | 1,000.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,525 |
| Loan loss allowance to noncurrent loans | 1,322.8070% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 3,254 |
| Noncurrent loans to loans | 0.0907% | 4,277 |
| Net loans and leases to total assets | 80.4172% | 817 |
| Net loans and leases to deposits | 95.7459% | 1,065 |
| Net loans and leases to core deposits | 121.0491% | 515 |
| Total domestic deposits to total assets | 83.9902% | 2,870 |
| Equity capital to assets | 11.0740% | 2,971 |
| Core capital (leverage) ratio | 11.0045% | 2,597 |
| Tier 1 risk-based capital ratio | 14.8222% | 2,909 |
| Total risk-based capital ratio | 16.0729% | 2,831 |
| Memoranda: | ||
| Average total assets | $76,179,330 | 4,433 |
| Average earning assets | $71,380,000 | 4,417 |
| Average equity | $8,619,000 | 4,496 |
| Average total loans | $60,561,330 | 4,041 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 734 |
| Cost of funding earning assets | 1.5537% | 270 |
| Net interest margin | 3.7620% | 2,665 |
| Noninterest income to average assets | 0.4810% | 2,672 |
| Noninterest expense to average assets | 3.1556% | 1,604 |
| Loan and lease loss provision to assets | 0.2907% | 454 |
| Net operating income to assets | 0.5286% | 4,436 |
| Return on assets (ROA) | 0.5286% | 4,458 |
| Pretax return on assets | 0.5286% | 4,623 |
| Return on Equity (ROE) | 4.6219% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.6933% | 4,387 |
| Net charge-offs to loans | -0.0269% | 4,606 |
| Credit loss provision to net charge-offs | -1,375.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7234% | 1,192 |
| Assets per employee ($millions) | 5.2061% | 2,281 |
| Cash dividends to net income (ytd only)* | 85.0000% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,938 |
| Loan loss allowance to noncurrent loans | 1,366.6667% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,375 |
| Noncurrent loans to loans | 0.0831% | 4,382 |
| Net loans and leases to total assets | 77.7135% | 1,204 |
| Net loans and leases to deposits | 93.1684% | 1,263 |
| Net loans and leases to core deposits | 118.8982% | 555 |
| Total domestic deposits to total assets | 83.4119% | 3,249 |
| Equity capital to assets | 11.0920% | 2,754 |
| Core capital (leverage) ratio | 11.6256% | 2,033 |
| Tier 1 risk-based capital ratio | 14.7122% | 2,992 |
| Total risk-based capital ratio | 15.9006% | 2,958 |
| Memoranda: | ||
| Average total assets | $75,674,000 | 4,490 |
| Average earning assets | $70,282,000 | 4,484 |
| Average equity | $8,654,500 | 4,517 |
| Average total loans | $59,428,000 | 4,105 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 880 |
| Cost of funding earning assets | 1.1978% | 349 |
| Net interest margin | 3.8860% | 2,372 |
| Noninterest income to average assets | 0.4100% | 3,381 |
| Noninterest expense to average assets | 3.0653% | 1,880 |
| Loan and lease loss provision to assets | 0.2818% | 586 |
| Net operating income to assets | 0.6812% | 4,197 |
| Return on assets (ROA) | 0.6812% | 4,200 |
| Pretax return on assets | 0.6812% | 4,456 |
| Return on Equity (ROE) | 5.9553% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.6273% | 4,090 |
| Net charge-offs to loans | 0.3116% | 625 |
| Credit loss provision to net charge-offs | 117.8771% | 2,202 |
| Earnings coverage of net charge-offs (x) | 4.0279% | 3,345 |
| Efficiency ratio | 75.3647% | 1,445 |
| Assets per employee ($millions) | 5.6351% | 1,827 |
| Cash dividends to net income (ytd only)* | 55.8824% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,033 |
| Loan loss allowance to noncurrent loans | 476.1194% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 2,427 |
| Noncurrent loans to loans | 0.2332% | 3,747 |
| Net loans and leases to total assets | 77.5814% | 1,340 |
| Net loans and leases to deposits | 88.0859% | 2,031 |
| Net loans and leases to core deposits | 111.8892% | 888 |
| Total domestic deposits to total assets | 88.0747% | 1,268 |
| Equity capital to assets | 11.8038% | 2,028 |
| Core capital (leverage) ratio | 11.8331% | 1,845 |
| Tier 1 risk-based capital ratio | 16.0813% | 2,379 |
| Total risk-based capital ratio | 17.2732% | 2,335 |
| Memoranda: | ||
| Average total assets | $74,870,000 | 4,514 |
| Average earning assets | $69,712,600 | 4,501 |
| Average equity | $8,563,800 | 4,519 |
| Average total loans | $57,447,000 | 4,156 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 923 |
| Cost of funding earning assets | 1.1472% | 330 |
| Net interest margin | 3.8660% | 2,414 |
| Noninterest income to average assets | 0.4092% | 3,427 |
| Noninterest expense to average assets | 3.0059% | 2,002 |
| Loan and lease loss provision to assets | 0.2480% | 638 |
| Net operating income to assets | 0.7546% | 4,062 |
| Return on assets (ROA) | 0.7546% | 4,071 |
| Pretax return on assets | 0.7546% | 4,417 |
| Return on Equity (ROE) | 6.6486% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.9809% | 4,246 |
| Net charge-offs to loans | 0.2669% | 624 |
| Credit loss provision to net charge-offs | 121.7391% | 1,967 |
| Earnings coverage of net charge-offs (x) | 4.9217% | 3,010 |
| Efficiency ratio | 74.2819% | 1,550 |
| Assets per employee ($millions) | 5.4910% | 1,923 |
| Cash dividends to net income (ytd only)* | 55.1647% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,824 |
| Loan loss allowance to noncurrent loans | 297.6415% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,639 |
| Noncurrent loans to loans | 0.3910% | 3,253 |
| Net loans and leases to total assets | 75.0669% | 1,800 |
| Net loans and leases to deposits | 85.5854% | 2,409 |
| Net loans and leases to core deposits | 99.1507% | 1,858 |
| Total domestic deposits to total assets | 87.7100% | 1,390 |
| Equity capital to assets | 12.0659% | 1,865 |
| Core capital (leverage) ratio | 11.4705% | 2,189 |
| Tier 1 risk-based capital ratio | 17.1644% | 2,036 |
| Total risk-based capital ratio | 18.4144% | 1,984 |
| Memoranda: | ||
| Average total assets | $75,273,500 | 4,551 |
| Average earning assets | $70,079,250 | 4,539 |
| Average equity | $8,543,000 | 4,564 |
| Average total loans | $57,441,000 | 4,198 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 997 |
| Cost of funding earning assets | 1.0693% | 335 |
| Net interest margin | 3.8406% | 2,418 |
| Noninterest income to average assets | 0.3996% | 3,488 |
| Noninterest expense to average assets | 2.9750% | 2,120 |
| Loan and lease loss provision to assets | 0.1567% | 1,199 |
| Net operating income to assets | 0.8515% | 3,669 |
| Return on assets (ROA) | 0.8515% | 3,669 |
| Pretax return on assets | 0.8515% | 4,108 |
| Return on Equity (ROE) | 7.6529% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.7185% | 3,225 |
| Net charge-offs to loans | -0.0923% | 5,131 |
| Credit loss provision to net charge-offs | -222.2222% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9672% | 1,711 |
| Assets per employee ($millions) | 5.9100% | 1,543 |
| Cash dividends to net income (ytd only)* | 38.3436% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,861 |
| Loan loss allowance to noncurrent loans | 71.4433% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 1,122 |
| Noncurrent loans to loans | 1.6434% | 974 |
| Net loans and leases to total assets | 75.9235% | 1,649 |
| Net loans and leases to deposits | 85.7080% | 2,349 |
| Net loans and leases to core deposits | 96.7636% | 1,988 |
| Total domestic deposits to total assets | 88.5839% | 1,103 |
| Equity capital to assets | 11.2235% | 2,431 |
| Core capital (leverage) ratio | 11.3519% | 2,205 |
| Tier 1 risk-based capital ratio | 18.6112% | 1,648 |
| Total risk-based capital ratio | 19.8615% | 1,611 |
| Memoranda: | ||
| Average total assets | $76,570,330 | 4,582 |
| Average earning assets | $71,447,330 | 4,560 |
| Average equity | $8,519,670 | 4,609 |
| Average total loans | $58,516,000 | 4,199 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 935 |
| Cost of funding earning assets | 1.0526% | 294 |
| Net interest margin | 3.8129% | 2,369 |
| Noninterest income to average assets | 0.4396% | 3,184 |
| Noninterest expense to average assets | 2.9722% | 2,135 |
| Loan and lease loss provision to assets | 0.1570% | 1,151 |
| Net operating income to assets | 0.8739% | 3,397 |
| Return on assets (ROA) | 0.8739% | 3,414 |
| Pretax return on assets | 0.8739% | 3,933 |
| Return on Equity (ROE) | 7.8885% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.3458% | 3,446 |
| Net charge-offs to loans | -0.0412% | 4,880 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5948% | 1,949 |
| Assets per employee ($millions) | 5.5458% | 1,896 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,368 |
| Loan loss allowance to noncurrent loans | 85.0331% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 1,618 |
| Noncurrent loans to loans | 1.2956% | 1,387 |
| Net loans and leases to total assets | 74.2262% | 1,822 |
| Net loans and leases to deposits | 83.6187% | 2,435 |
| Net loans and leases to core deposits | 93.0867% | 2,206 |
| Total domestic deposits to total assets | 88.7675% | 1,224 |
| Equity capital to assets | 10.9659% | 2,622 |
| Core capital (leverage) ratio | 11.0584% | 2,375 |
| Tier 1 risk-based capital ratio | 18.1765% | 1,776 |
| Total risk-based capital ratio | 19.4250% | 1,738 |
| Memoranda: | ||
| Average total assets | $76,440,500 | 4,630 |
| Average earning assets | $71,441,000 | 4,609 |
| Average equity | $8,468,000 | 4,670 |
| Average total loans | $58,261,500 | 4,242 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 878 |
| Cost of funding earning assets | 0.8655% | 449 |
| Net interest margin | 3.9924% | 1,774 |
| Noninterest income to average assets | 0.3500% | 3,963 |
| Noninterest expense to average assets | 3.2050% | 1,598 |
| Loan and lease loss provision to assets | 0.3471% | 456 |
| Net operating income to assets | 0.5101% | 4,350 |
| Return on assets (ROA) | 0.5101% | 4,384 |
| Pretax return on assets | 0.5101% | 4,914 |
| Return on Equity (ROE) | 4.6179% | 4,312 |
| Retained earnings to average equity (ytd only) | 2.9503% | 3,538 |
| Net charge-offs to loans | 0.3572% | 711 |
| Credit loss provision to net charge-offs | 126.9430% | 2,072 |
| Earnings coverage of net charge-offs (x) | 3.1347% | 3,648 |
| Efficiency ratio | 78.1304% | 1,330 |
| Assets per employee ($millions) | 5.7877% | 1,667 |
| Cash dividends to net income (ytd only)* | 36.1111% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,685 |
| Loan loss allowance to noncurrent loans | 70.6294% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.1404% | 1,311 |
| Noncurrent loans to loans | 1.4729% | 1,161 |
| Net loans and leases to total assets | 76.6148% | 1,491 |
| Net loans and leases to deposits | 86.5333% | 2,190 |
| Net loans and leases to core deposits | 93.6373% | 2,226 |
| Total domestic deposits to total assets | 88.5380% | 1,229 |
| Equity capital to assets | 11.1935% | 2,433 |
| Core capital (leverage) ratio | 10.9703% | 2,365 |
| Tier 1 risk-based capital ratio | 18.3707% | 1,687 |
| Total risk-based capital ratio | 19.6200% | 1,643 |
| Memoranda: | ||
| Average total assets | $70,576,600 | 4,766 |
| Average earning assets | $65,625,000 | 4,753 |
| Average equity | $7,795,800 | 4,814 |
| Average total loans | $54,030,200 | 4,361 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 914 |
| Cost of funding earning assets | 0.8205% | 511 |
| Net interest margin | 3.9866% | 1,747 |
| Noninterest income to average assets | 0.3496% | 4,033 |
| Noninterest expense to average assets | 3.2425% | 1,473 |
| Loan and lease loss provision to assets | 0.3265% | 466 |
| Net operating income to assets | 0.4764% | 4,804 |
| Return on assets (ROA) | 0.4764% | 4,844 |
| Pretax return on assets | 0.4764% | 5,074 |
| Return on Equity (ROE) | 4.3284% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.5831% | 4,338 |
| Net charge-offs to loans | 0.0352% | 2,727 |
| Credit loss provision to net charge-offs | 1,214.2857% | 301 |
| Earnings coverage of net charge-offs (x) | 29.8511% | 1,558 |
| Efficiency ratio | 79.3922% | 1,171 |
| Assets per employee ($millions) | 5.8322% | 1,624 |
| Cash dividends to net income (ytd only)* | 40.3224% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,822 |
| Loan loss allowance to noncurrent loans | 72.7459% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 1,235 |
| Noncurrent loans to loans | 1.6733% | 1,091 |
| Net loans and leases to total assets | 75.9928% | 1,592 |
| Net loans and leases to deposits | 85.5995% | 2,353 |
| Net loans and leases to core deposits | 91.7951% | 2,462 |
| Total domestic deposits to total assets | 88.7772% | 986 |
| Equity capital to assets | 10.9999% | 2,861 |
| Core capital (leverage) ratio | 11.5111% | 2,010 |
| Tier 1 risk-based capital ratio | 14.8433% | 2,991 |
| Total risk-based capital ratio | 16.0713% | 2,936 |
| Memoranda: | ||
| Average total assets | $69,410,750 | 4,834 |
| Average earning assets | $64,347,500 | 4,830 |
| Average equity | $7,639,250 | 4,884 |
| Average total loans | $52,975,000 | 4,424 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 912 |
| Cost of funding earning assets | 0.7982% | 530 |
| Net interest margin | 3.9748% | 1,696 |
| Noninterest income to average assets | 0.2913% | 4,474 |
| Noninterest expense to average assets | 3.3623% | 1,248 |
| Loan and lease loss provision to assets | 0.2824% | 562 |
| Net operating income to assets | 0.3181% | 5,178 |
| Return on assets (ROA) | 0.3181% | 5,199 |
| Pretax return on assets | 0.3181% | 5,312 |
| Return on Equity (ROE) | 2.8897% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.8897% | 3,989 |
| Net charge-offs to loans | 0.0664% | 1,975 |
| Credit loss provision to net charge-offs | 558.8235% | 599 |
| Earnings coverage of net charge-offs (x) | 11.8824% | 2,234 |
| Efficiency ratio | 84.0210% | 840 |
| Assets per employee ($millions) | 5.4391% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,329 |
| Loan loss allowance to noncurrent loans | 63.7097% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 1,017 |
| Noncurrent loans to loans | 1.8015% | 1,002 |
| Net loans and leases to total assets | 76.9814% | 1,384 |
| Net loans and leases to deposits | 87.4157% | 2,053 |
| Net loans and leases to core deposits | 92.8240% | 2,265 |
| Total domestic deposits to total assets | 88.0636% | 1,425 |
| Equity capital to assets | 11.7370% | 2,122 |
| Core capital (leverage) ratio | 11.8671% | 1,713 |
| Tier 1 risk-based capital ratio | 15.2830% | 2,810 |
| Total risk-based capital ratio | 16.4469% | 2,776 |
| Memoranda: | ||
| Average total assets | $67,274,670 | 4,916 |
| Average earning assets | $62,142,000 | 4,901 |
| Average equity | $7,405,670 | 4,942 |
| Average total loans | $51,191,000 | 4,492 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 917 |
| Cost of funding earning assets | 0.7765% | 562 |
| Net interest margin | 3.9356% | 1,650 |
| Noninterest income to average assets | 0.3417% | 4,111 |
| Noninterest expense to average assets | 3.4961% | 1,049 |
| Loan and lease loss provision to assets | 0.3051% | 435 |
| Net operating income to assets | 0.1586% | 5,452 |
| Return on assets (ROA) | 0.1586% | 5,462 |
| Pretax return on assets | 0.1586% | 5,475 |
| Return on Equity (ROE) | 1.4945% | 5,425 |
| Retained earnings to average equity (ytd only) | 1.4945% | 4,503 |
| Net charge-offs to loans | -0.0650% | 5,296 |
| Credit loss provision to net charge-offs | -625.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5193% | 697 |
| Assets per employee ($millions) | 4.5932% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,321 |
| Loan loss allowance to noncurrent loans | 57.5188% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.6430% | 939 |
| Noncurrent loans to loans | 2.0287% | 875 |
| Net loans and leases to total assets | 75.2359% | 1,543 |
| Net loans and leases to deposits | 84.2574% | 2,255 |
| Net loans and leases to core deposits | 89.4449% | 2,405 |
| Total domestic deposits to total assets | 89.2929% | 1,009 |
| Equity capital to assets | 10.4967% | 3,189 |
| Core capital (leverage) ratio | 11.0225% | 2,340 |
| Tier 1 risk-based capital ratio | 13.7972% | 3,606 |
| Total risk-based capital ratio | 14.9592% | 3,559 |
| Memoranda: | ||
| Average total assets | $65,558,000 | 4,987 |
| Average earning assets | $60,270,000 | 4,997 |
| Average equity | $6,959,000 | 5,073 |
| Average total loans | $49,254,500 | 4,585 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 535 |
| Cost of funding earning assets | 0.6505% | 1,055 |
| Net interest margin | 4.4109% | 760 |
| Noninterest income to average assets | 0.1775% | 5,335 |
| Noninterest expense to average assets | 3.1945% | 1,802 |
| Loan and lease loss provision to assets | 0.4890% | 286 |
| Net operating income to assets | 0.5216% | 4,545 |
| Return on assets (ROA) | 0.5216% | 4,631 |
| Pretax return on assets | 0.5216% | 4,981 |
| Return on Equity (ROE) | 5.1275% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.1216% | 4,854 |
| Net charge-offs to loans | 0.2136% | 1,300 |
| Credit loss provision to net charge-offs | 329.2683% | 916 |
| Earnings coverage of net charge-offs (x) | 6.8049% | 3,121 |
| Efficiency ratio | 75.0215% | 2,137 |
| Assets per employee ($millions) | 3.8886% | 4,160 |
| Cash dividends to net income (ytd only)* | 78.1250% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 3,107 |
| Loan loss allowance to noncurrent loans | 59.6340% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.6105% | 988 |
| Noncurrent loans to loans | 2.0169% | 887 |
| Net loans and leases to total assets | 73.1412% | 1,988 |
| Net loans and leases to deposits | 82.1515% | 2,654 |
| Net loans and leases to core deposits | 87.2802% | 2,750 |
| Total domestic deposits to total assets | 89.0321% | 1,106 |
| Equity capital to assets | 10.7461% | 2,872 |
| Core capital (leverage) ratio | 11.0618% | 2,294 |
| Tier 1 risk-based capital ratio | 13.0226% | 4,060 |
| Total risk-based capital ratio | 14.0905% | 4,071 |
| Memoranda: | ||
| Average total assets | $55,219,400 | 5,239 |
| Average earning assets | $50,420,600 | 5,239 |
| Average equity | $5,616,800 | 5,349 |
| Average total loans | $38,395,000 | 4,931 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 603 |
| Cost of funding earning assets | 0.6203% | 1,202 |
| Net interest margin | 4.3803% | 806 |
| Noninterest income to average assets | 0.1795% | 5,382 |
| Noninterest expense to average assets | 3.0995% | 2,029 |
| Loan and lease loss provision to assets | 0.4488% | 295 |
| Net operating income to assets | 0.6284% | 4,171 |
| Return on assets (ROA) | 0.6284% | 4,294 |
| Pretax return on assets | 0.6284% | 4,805 |
| Return on Equity (ROE) | 6.2808% | 3,939 |
| Retained earnings to average equity (ytd only) | 0.6730% | 5,184 |
| Net charge-offs to loans | 0.3472% | 658 |
| Credit loss provision to net charge-offs | 189.4737% | 1,488 |
| Earnings coverage of net charge-offs (x) | 4.5475% | 3,254 |
| Efficiency ratio | 73.2537% | 2,394 |
| Assets per employee ($millions) | 4.1547% | 3,684 |
| Cash dividends to net income (ytd only)* | 89.2854% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,789 |
| Loan loss allowance to noncurrent loans | 36.5105% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 2.2539% | 640 |
| Noncurrent loans to loans | 3.0332% | 485 |
| Net loans and leases to total assets | 69.3928% | 2,589 |
| Net loans and leases to deposits | 76.6978% | 3,323 |
| Net loans and leases to core deposits | 81.7495% | 3,303 |
| Total domestic deposits to total assets | 90.4755% | 328 |
| Equity capital to assets | 9.3732% | 4,788 |
| Core capital (leverage) ratio | 9.5307% | 4,138 |
| Tier 1 risk-based capital ratio | 11.6803% | 4,988 |
| Total risk-based capital ratio | 12.6598% | 5,046 |
| Memoranda: | ||
| Average total assets | $53,469,750 | 5,330 |
| Average earning assets | $48,793,500 | 5,324 |
| Average equity | $5,349,500 | 5,460 |
| Average total loans | $36,478,500 | 5,043 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 478 |
| Cost of funding earning assets | 0.5844% | 1,436 |
| Net interest margin | 4.5354% | 572 |
| Noninterest income to average assets | 0.1657% | 5,491 |
| Noninterest expense to average assets | 3.1558% | 1,921 |
| Loan and lease loss provision to assets | 0.3661% | 434 |
| Net operating income to assets | 0.7706% | 3,444 |
| Return on assets (ROA) | 0.7706% | 3,592 |
| Pretax return on assets | 0.7706% | 4,389 |
| Return on Equity (ROE) | 7.5254% | 3,246 |
| Retained earnings to average equity (ytd only) | 2.8220% | 4,103 |
| Net charge-offs to loans | -0.0856% | 5,568 |
| Credit loss provision to net charge-offs | -633.3333% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5314% | 2,581 |
| Assets per employee ($millions) | 4.6112% | 2,853 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 3,212 |
| Loan loss allowance to noncurrent loans | 42.2735% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.0349% | 805 |
| Noncurrent loans to loans | 2.9015% | 526 |
| Net loans and leases to total assets | 69.2739% | 2,592 |
| Net loans and leases to deposits | 77.0632% | 3,260 |
| Net loans and leases to core deposits | 81.9550% | 3,274 |
| Total domestic deposits to total assets | 89.8923% | 533 |
| Equity capital to assets | 9.9577% | 4,280 |
| Core capital (leverage) ratio | 10.1742% | 3,358 |
| Tier 1 risk-based capital ratio | 12.4785% | 4,544 |
| Total risk-based capital ratio | 13.5708% | 4,553 |
| Memoranda: | ||
| Average total assets | $51,904,330 | 5,418 |
| Average earning assets | $47,228,330 | 5,416 |
| Average equity | $5,315,330 | 5,521 |
| Average total loans | $35,033,000 | 5,137 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 244 |
| Cost of funding earning assets | 0.5792% | 1,483 |
| Net interest margin | 4.9499% | 279 |
| Noninterest income to average assets | 0.1753% | 5,447 |
| Noninterest expense to average assets | 3.3075% | 1,582 |
| Loan and lease loss provision to assets | 0.5180% | 230 |
| Net operating income to assets | 0.8448% | 3,010 |
| Return on assets (ROA) | 0.8448% | 3,141 |
| Pretax return on assets | 0.8448% | 4,046 |
| Return on Equity (ROE) | 8.1257% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.1257% | 1,403 |
| Net charge-offs to loans | -0.0603% | 5,417 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9659% | 3,136 |
| Assets per employee ($millions) | 4.0515% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 3,351 |
| Loan loss allowance to noncurrent loans | 110.3797% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 2,831 |
| Noncurrent loans to loans | 1.1074% | 2,186 |
| Net loans and leases to total assets | 66.8958% | 2,827 |
| Net loans and leases to deposits | 74.8783% | 3,330 |
| Net loans and leases to core deposits | 78.6105% | 3,433 |
| Total domestic deposits to total assets | 89.3393% | 927 |
| Equity capital to assets | 10.4841% | 3,516 |
| Core capital (leverage) ratio | 11.1985% | 2,222 |
| Tier 1 risk-based capital ratio | 13.4199% | 4,034 |
| Total risk-based capital ratio | 14.4897% | 4,055 |
| Memoranda: | ||
| Average total assets | $50,189,500 | 5,507 |
| Average earning assets | $45,576,500 | 5,506 |
| Average equity | $5,218,000 | 5,578 |
| Average total loans | $33,145,500 | 5,235 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 330 |
| Cost of funding earning assets | 0.4170% | 2,977 |
| Net interest margin | 4.9606% | 274 |
| Noninterest income to average assets | 0.2586% | 5,041 |
| Noninterest expense to average assets | 3.6680% | 1,021 |
| Loan and lease loss provision to assets | 0.5748% | 191 |
| Net operating income to assets | 0.5225% | 4,609 |
| Return on assets (ROA) | 0.5225% | 4,690 |
| Pretax return on assets | 0.5225% | 5,058 |
| Return on Equity (ROE) | 4.4197% | 4,774 |
| Retained earnings to average equity (ytd only) | 1.5469% | 4,838 |
| Net charge-offs to loans | 1.4465% | 110 |
| Credit loss provision to net charge-offs | 61.9718% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.1831% | 4,130 |
| Efficiency ratio | 75.7675% | 2,313 |
| Assets per employee ($millions) | 4.3372% | 3,324 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,517 |
| Loan loss allowance to noncurrent loans | 95.0649% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,655 |
| Noncurrent loans to loans | 1.2573% | 1,871 |
| Net loans and leases to total assets | 63.4157% | 3,358 |
| Net loans and leases to deposits | 70.8316% | 3,826 |
| Net loans and leases to core deposits | 73.3917% | 4,007 |
| Total domestic deposits to total assets | 89.5303% | 837 |
| Equity capital to assets | 10.2999% | 3,622 |
| Core capital (leverage) ratio | 10.5356% | 2,894 |
| Tier 1 risk-based capital ratio | 13.6257% | 3,932 |
| Total risk-based capital ratio | 14.6540% | 3,995 |
| Memoranda: | ||
| Average total assets | $38,277,400 | 5,801 |
| Average earning assets | $34,774,000 | 5,792 |
| Average equity | $4,525,200 | 5,753 |
| Average total loans | $24,542,400 | 5,571 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 421 |
| Cost of funding earning assets | 0.3507% | 3,747 |
| Net interest margin | 4.8819% | 318 |
| Noninterest income to average assets | 0.2858% | 4,907 |
| Noninterest expense to average assets | 3.7342% | 924 |
| Loan and lease loss provision to assets | 0.1411% | 1,573 |
| Net operating income to assets | 0.8537% | 3,157 |
| Return on assets (ROA) | 0.8537% | 3,247 |
| Pretax return on assets | 0.8537% | 4,161 |
| Return on Equity (ROE) | 6.9255% | 3,666 |
| Retained earnings to average equity (ytd only) | 3.0111% | 4,300 |
| Net charge-offs to loans | 1.4768% | 99 |
| Credit loss provision to net charge-offs | 14.9020% | 3,409 |
| Earnings coverage of net charge-offs (x) | 1.0510% | 3,886 |
| Efficiency ratio | 77.7080% | 1,993 |
| Assets per employee ($millions) | 4.2474% | 3,431 |
| Cash dividends to net income (ytd only)* | 56.5219% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 4,228 |
| Loan loss allowance to noncurrent loans | 132.7103% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 3,817 |
| Noncurrent loans to loans | 0.8286% | 2,896 |
| Net loans and leases to total assets | 60.1380% | 3,867 |
| Net loans and leases to deposits | 67.2556% | 4,258 |
| Net loans and leases to core deposits | 70.0019% | 4,368 |
| Total domestic deposits to total assets | 89.4171% | 811 |
| Equity capital to assets | 10.4511% | 3,648 |
| Core capital (leverage) ratio | 11.6125% | 1,946 |
| Tier 1 risk-based capital ratio | 14.6005% | 3,499 |
| Total risk-based capital ratio | 15.5444% | 3,600 |
| Memoranda: | ||
| Average total assets | $35,919,500 | 5,933 |
| Average earning assets | $32,691,500 | 5,918 |
| Average equity | $4,428,000 | 5,854 |
| Average total loans | $23,022,750 | 5,693 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 274 |
| Cost of funding earning assets | 0.3361% | 3,970 |
| Net interest margin | 5.1381% | 195 |
| Noninterest income to average assets | 0.2727% | 4,996 |
| Noninterest expense to average assets | 3.4742% | 1,337 |
| Loan and lease loss provision to assets | 0.1956% | 1,014 |
| Net operating income to assets | 1.3162% | 1,270 |
| Return on assets (ROA) | 1.3162% | 1,324 |
| Pretax return on assets | 1.3162% | 2,308 |
| Return on Equity (ROE) | 10.0354% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.0971% | 1,657 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3710% | 3,620 |
| Assets per employee ($millions) | 3.1708% | 5,385 |
| Cash dividends to net income (ytd only)* | 29.2793% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 600 |
| Loan loss allowance to noncurrent loans | 209.4118% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 3,187 |
| Noncurrent loans to loans | 1.1191% | 2,410 |
| Net loans and leases to total assets | 63.7977% | 3,288 |
| Net loans and leases to deposits | 74.5810% | 3,427 |
| Net loans and leases to core deposits | 78.4986% | 3,529 |
| Total domestic deposits to total assets | 85.5414% | 2,899 |
| Equity capital to assets | 12.8071% | 1,489 |
| Core capital (leverage) ratio | 12.9143% | 1,203 |
| Tier 1 risk-based capital ratio | 17.0420% | 2,388 |
| Total risk-based capital ratio | 18.3019% | 2,327 |
| Memoranda: | ||
| Average total assets | $33,734,670 | 6,042 |
| Average earning assets | $30,945,330 | 6,027 |
| Average equity | $4,424,330 | 5,913 |
| Average total loans | $22,088,000 | 5,773 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 297 |
| Cost of funding earning assets | 0.3260% | 4,152 |
| Net interest margin | 5.0857% | 214 |
| Noninterest income to average assets | 0.2533% | 5,147 |
| Noninterest expense to average assets | 3.3894% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5680% | 754 |
| Return on assets (ROA) | 1.5680% | 791 |
| Pretax return on assets | 1.5680% | 1,351 |
| Return on Equity (ROE) | 11.8101% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.8101% | 592 |
| Net charge-offs to loans | -0.0552% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1533% | 3,966 |
| Assets per employee ($millions) | 3.8018% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 766 |
| Loan loss allowance to noncurrent loans | 185.2941% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 3,124 |
| Noncurrent loans to loans | 1.2069% | 2,360 |
| Net loans and leases to total assets | 64.3939% | 3,043 |
| Net loans and leases to deposits | 74.2802% | 3,270 |
| Net loans and leases to core deposits | 78.9091% | 3,287 |
| Total domestic deposits to total assets | 86.6904% | 2,558 |
| Equity capital to assets | 13.0933% | 1,349 |
| Core capital (leverage) ratio | 13.4083% | 1,005 |
| Tier 1 risk-based capital ratio | 17.4148% | 2,331 |
| Total risk-based capital ratio | 18.6708% | 2,281 |
| Memoranda: | ||
| Average total assets | $33,162,500 | 6,120 |
| Average earning assets | $30,674,000 | 6,098 |
| Average equity | $4,403,000 | 5,970 |
| Average total loans | $21,739,000 | 5,831 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4825% | 52 |
| Cost of funding earning assets | 0.2344% | 5,473 |
| Net interest margin | 7.2481% | 44 |
| Noninterest income to average assets | 0.2833% | 5,094 |
| Noninterest expense to average assets | 3.5709% | 1,355 |
| Loan and lease loss provision to assets | 2.0285% | 26 |
| Net operating income to assets | 1.3885% | 1,103 |
| Return on assets (ROA) | 1.3710% | 1,182 |
| Pretax return on assets | 1.3710% | 1,999 |
| Return on Equity (ROE) | 9.2014% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.2014% | 662 |
| Net charge-offs to loans | 0.8316% | 411 |
| Credit loss provision to net charge-offs | 405.5944% | 636 |
| Earnings coverage of net charge-offs (x) | 6.8322% | 3,131 |
| Efficiency ratio | 50.0000% | 6,095 |
| Assets per employee ($millions) | 4.0136% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 629 |
| Loan loss allowance to noncurrent loans | 153.2110% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 2,710 |
| Noncurrent loans to loans | 1.5615% | 1,874 |
| Net loans and leases to total assets | 63.6582% | 3,267 |
| Net loans and leases to deposits | 73.6842% | 3,475 |
| Net loans and leases to core deposits | 77.8163% | 3,539 |
| Total domestic deposits to total assets | 86.3932% | 2,623 |
| Equity capital to assets | 13.4729% | 1,174 |
| Core capital (leverage) ratio | 13.2153% | 1,052 |
| Tier 1 risk-based capital ratio | 19.7397% | 1,653 |
| Total risk-based capital ratio | 21.0042% | 1,620 |
| Memoranda: | ||
| Average total assets | $28,592,600 | 6,277 |
| Average earning assets | $26,448,400 | 6,253 |
| Average equity | $4,260,200 | 6,037 |
| Average total loans | $17,195,800 | 6,079 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3010% | 110 |
| Cost of funding earning assets | 0.1981% | 5,847 |
| Net interest margin | 6.1030% | 78 |
| Noninterest income to average assets | 0.2646% | 5,317 |
| Noninterest expense to average assets | 3.4687% | 1,534 |
| Loan and lease loss provision to assets | 1.1787% | 80 |
| Net operating income to assets | 1.2509% | 1,522 |
| Return on assets (ROA) | 1.2509% | 1,575 |
| Pretax return on assets | 1.2509% | 2,569 |
| Return on Equity (ROE) | 8.1687% | 3,122 |
| Retained earnings to average equity (ytd only) | 8.1687% | 1,282 |
| Net charge-offs to loans | 0.7134% | 486 |
| Credit loss provision to net charge-offs | 281.6092% | 953 |
| Earnings coverage of net charge-offs (x) | 5.8045% | 3,193 |
| Efficiency ratio | 57.4225% | 5,519 |
| Assets per employee ($millions) | 3.8665% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 3,733 |
| Loan loss allowance to noncurrent loans | 53.8835% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 2,320 |
| Noncurrent loans to loans | 2.3816% | 1,251 |
| Net loans and leases to total assets | 55.2082% | 4,438 |
| Net loans and leases to deposits | 63.9804% | 4,537 |
| Net loans and leases to core deposits | 67.7605% | 4,532 |
| Total domestic deposits to total assets | 86.2893% | 2,706 |
| Equity capital to assets | 13.5846% | 1,146 |
| Core capital (leverage) ratio | 13.9439% | 858 |
| Tier 1 risk-based capital ratio | 20.7335% | 1,504 |
| Total risk-based capital ratio | 21.8397% | 1,496 |
| Memoranda: | ||
| Average total assets | $27,713,500 | 6,371 |
| Average earning assets | $25,582,500 | 6,344 |
| Average equity | $4,243,750 | 6,104 |
| Average total loans | $16,259,500 | 6,178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8138% | 75 |
| Cost of funding earning assets | 0.1387% | 6,320 |
| Net interest margin | 6.6751% | 56 |
| Noninterest income to average assets | 0.2402% | 5,474 |
| Noninterest expense to average assets | 3.5885% | 1,315 |
| Loan and lease loss provision to assets | 1.8393% | 40 |
| Net operating income to assets | 0.9534% | 2,541 |
| Return on assets (ROA) | 0.9534% | 2,630 |
| Pretax return on assets | 0.9534% | 3,667 |
| Return on Equity (ROE) | 5.9657% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.9657% | 2,342 |
| Net charge-offs to loans | 1.0934% | 306 |
| Credit loss provision to net charge-offs | 281.6092% | 904 |
| Earnings coverage of net charge-offs (x) | 4.2759% | 3,142 |
| Efficiency ratio | 54.9412% | 5,833 |
| Assets per employee ($millions) | 3.2594% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 3,557 |
| Loan loss allowance to noncurrent loans | 26.3345% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.8737% | 906 |
| Noncurrent loans to loans | 5.1509% | 371 |
| Net loans and leases to total assets | 55.0332% | 4,405 |
| Net loans and leases to deposits | 64.7417% | 4,412 |
| Net loans and leases to core deposits | 67.9604% | 4,477 |
| Total domestic deposits to total assets | 85.0043% | 3,507 |
| Equity capital to assets | 14.8662% | 734 |
| Core capital (leverage) ratio | 16.4002% | 419 |
| Tier 1 risk-based capital ratio | 19.7838% | 1,737 |
| Total risk-based capital ratio | 20.8007% | 1,764 |
| Memoranda: | ||
| Average total assets | $26,640,670 | 6,457 |
| Average earning assets | $24,509,000 | 6,421 |
| Average equity | $4,257,670 | 6,149 |
| Average total loans | $15,913,000 | 6,250 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2726% | 57 |
| Cost of funding earning assets | 0.2073% | 5,938 |
| Net interest margin | 7.0653% | 44 |
| Noninterest income to average assets | 0.3795% | 4,351 |
| Noninterest expense to average assets | 3.6215% | 1,272 |
| Loan and lease loss provision to assets | 2.3722% | 29 |
| Net operating income to assets | 0.8540% | 2,877 |
| Return on assets (ROA) | 0.8540% | 2,947 |
| Pretax return on assets | 0.8540% | 3,886 |
| Return on Equity (ROE) | 5.1355% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.1355% | 3,030 |
| Net charge-offs to loans | 2.1930% | 110 |
| Credit loss provision to net charge-offs | 174.4186% | 1,140 |
| Earnings coverage of net charge-offs (x) | 2.3721% | 2,893 |
| Efficiency ratio | 51.7321% | 6,152 |
| Assets per employee ($millions) | 2.7561% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 6,099 |
| Loan loss allowance to noncurrent loans | 13.7045% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 3.7654% | 664 |
| Noncurrent loans to loans | 5.8595% | 317 |
| Net loans and leases to total assets | 63.7452% | 2,947 |
| Net loans and leases to deposits | 77.0002% | 2,679 |
| Net loans and leases to core deposits | 81.6947% | 2,766 |
| Total domestic deposits to total assets | 82.7857% | 4,672 |
| Equity capital to assets | 17.1377% | 384 |
| Core capital (leverage) ratio | 18.0561% | 305 |
| Tier 1 risk-based capital ratio | 26.0910% | 784 |
| Total risk-based capital ratio | 26.8777% | 799 |
| Memoranda: | ||
| Average total assets | $25,293,500 | 6,544 |
| Average earning assets | $23,155,500 | 6,521 |
| Average equity | $4,206,000 | 6,204 |
| Average total loans | $15,686,500 | 6,321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8103% | 6,726 |
| Cost of funding earning assets | 0.0675% | 6,732 |
| Net interest margin | 1.7428% | 6,694 |
| Noninterest income to average assets | 0.0960% | 6,402 |
| Noninterest expense to average assets | 1.0640% | 6,741 |
| Loan and lease loss provision to assets | 0.4280% | 688 |
| Net operating income to assets | 0.1520% | 5,936 |
| Return on assets (ROA) | 1.2280% | 1,523 |
| Pretax return on assets | 1.2280% | 2,468 |
| Return on Equity (ROE) | 7.4482% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.4482% | 1,254 |
| Net charge-offs to loans | 2.1577% | 158 |
| Credit loss provision to net charge-offs | 39.1941% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.5311% | 4,903 |
| Efficiency ratio | 63.5036% | 4,987 |
| Assets per employee ($millions) | 3.2228% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4147% | 6,627 |
| Loan loss allowance to noncurrent loans | 6.0952% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 4.0726% | 643 |
| Noncurrent loans to loans | 6.8036% | 255 |
| Net loans and leases to total assets | 59.6114% | 3,784 |
| Net loans and leases to deposits | 71.1594% | 3,634 |
| Net loans and leases to core deposits | 77.7272% | 3,402 |
| Total domestic deposits to total assets | 83.7716% | 4,257 |
| Equity capital to assets | 16.1392% | 507 |
| Core capital (leverage) ratio | 15.6731% | 513 |
| Tier 1 risk-based capital ratio | 26.6112% | 723 |
| Total risk-based capital ratio | 27.0176% | 775 |
| Memoranda: | ||
| Average total assets | $25,000,000 | 6,623 |
| Average earning assets | $22,206,200 | 6,617 |
| Average equity | $4,121,800 | 6,297 |
| Average total loans | $12,652,200 | 6,496 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 5,420 |
| Cost of funding earning assets | 0.2669% | 5,980 |
| Net interest margin | 3.3414% | 4,492 |
| Noninterest income to average assets | 0.4945% | 3,853 |
| Noninterest expense to average assets | 3.4563% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0000% | 6,297 |
| Return on assets (ROA) | 0.0000% | 6,342 |
| Pretax return on assets | 0.0000% | 6,320 |
| Return on Equity (ROE) | 0.0000% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | 2.5647% | 116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,856 |
| Efficiency ratio | 100.0000% | 465 |
| Assets per employee ($millions) | 2.9926% | 5,860 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0438% | 17 |
| Loan loss allowance to noncurrent loans | 126.1506% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 3.9931% | 782 |
| Noncurrent loans to loans | 6.3763% | 371 |
| Net loans and leases to total assets | 57.5874% | 4,079 |
| Net loans and leases to deposits | 69.5927% | 3,837 |
| Net loans and leases to core deposits | 76.9321% | 3,508 |
| Total domestic deposits to total assets | 82.7493% | 4,662 |
| Equity capital to assets | 17.2090% | 395 |
| Core capital (leverage) ratio | 16.1491% | 475 |
| Tier 1 risk-based capital ratio | 29.3932% | 544 |
| Total risk-based capital ratio | 30.7384% | 532 |
| Memoranda: | ||
| Average total assets | $24,804,500 | 6,700 |
| Average earning assets | $21,986,000 | 6,695 |
| Average equity | $4,112,000 | 6,375 |
| Average total loans | $11,957,000 | 6,589 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 5,479 |
| Cost of funding earning assets | 0.2724% | 6,034 |
| Net interest margin | 3.3141% | 4,517 |
| Noninterest income to average assets | 0.7014% | 2,630 |
| Noninterest expense to average assets | 3.3556% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2551% | 5,762 |
| Return on assets (ROA) | 0.2551% | 5,889 |
| Pretax return on assets | 0.2551% | 5,991 |
| Return on Equity (ROE) | 1.5574% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.5574% | 5,247 |
| Net charge-offs to loans | 3.5085% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,492 |
| Efficiency ratio | 92.9360% | 825 |
| Assets per employee ($millions) | 2.6947% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5667% | 5 |
| Loan loss allowance to noncurrent loans | 108.4568% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 4.7295% | 673 |
| Noncurrent loans to loans | 10.6648% | 134 |
| Net loans and leases to total assets | 39.2174% | 6,097 |
| Net loans and leases to deposits | 47.2502% | 6,031 |
| Net loans and leases to core deposits | 52.1465% | 5,879 |
| Total domestic deposits to total assets | 82.9993% | 4,698 |
| Equity capital to assets | 16.9429% | 420 |
| Core capital (leverage) ratio | 16.7374% | 399 |
| Tier 1 risk-based capital ratio | 38.3028% | 265 |
| Total risk-based capital ratio | 39.6724% | 253 |
| Memoranda: | ||
| Average total assets | $25,092,330 | 6,747 |
| Average earning assets | $22,027,000 | 6,743 |
| Average equity | $4,109,330 | 6,426 |
| Average total loans | $10,945,000 | 6,671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 4,339 |
| Cost of funding earning assets | 0.2685% | 6,170 |
| Net interest margin | 3.6695% | 2,990 |
| Noninterest income to average assets | 0.2352% | 5,774 |
| Noninterest expense to average assets | 3.6061% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1568% | 6,487 |
| Return on assets (ROA) | -0.1568% | 6,532 |
| Pretax return on assets | -0.1568% | 6,523 |
| Return on Equity (ROE) | -0.9734% | 6,501 |
| Retained earnings to average equity (ytd only) | -0.9734% | 5,947 |
| Net charge-offs to loans | 6.8116% | 28 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0532% | 3,841 |
| Efficiency ratio | 104.5455% | 428 |
| Assets per employee ($millions) | 2.7791% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8936% | 7 |
| Loan loss allowance to noncurrent loans | 106.7579% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 4.6738% | 800 |
| Noncurrent loans to loans | 11.1408% | 165 |
| Net loans and leases to total assets | 36.9623% | 6,227 |
| Net loans and leases to deposits | 44.2302% | 6,187 |
| Net loans and leases to core deposits | 48.6272% | 6,061 |
| Total domestic deposits to total assets | 83.5679% | 4,639 |
| Equity capital to assets | 16.3881% | 503 |
| Core capital (leverage) ratio | 15.4978% | 516 |
| Tier 1 risk-based capital ratio | 36.2438% | 311 |
| Total risk-based capital ratio | 37.5973% | 299 |
| Memoranda: | ||
| Average total assets | $25,512,500 | 6,809 |
| Average earning assets | $22,346,500 | 6,806 |
| Average equity | $4,109,500 | 6,490 |
| Average total loans | $11,040,000 | 6,734 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 4,875 |
| Cost of funding earning assets | 0.3084% | 6,409 |
| Net interest margin | 3.8139% | 3,168 |
| Noninterest income to average assets | 0.2120% | 5,904 |
| Noninterest expense to average assets | 2.9755% | 3,362 |
| Loan and lease loss provision to assets | 5.3185% | 7 |
| Net operating income to assets | -4.5710% | 7,048 |
| Return on assets (ROA) | -4.5710% | 7,049 |
| Pretax return on assets | -4.5710% | 7,052 |
| Return on Equity (ROE) | -27.0684% | 6,939 |
| Retained earnings to average equity (ytd only) | -27.0684% | 6,913 |
| Net charge-offs to loans | 3.6205% | 95 |
| Credit loss provision to net charge-offs | 332.5843% | 733 |
| Earnings coverage of net charge-offs (x) | 0.4674% | 5,255 |
| Efficiency ratio | 79.9228% | 2,160 |
| Assets per employee ($millions) | 2.8903% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3932% | 7 |
| Loan loss allowance to noncurrent loans | 102.7917% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 5.3704% | 703 |
| Noncurrent loans to loans | 12.0566% | 149 |
| Net loans and leases to total assets | 39.0228% | 6,227 |
| Net loans and leases to deposits | 46.4025% | 6,226 |
| Net loans and leases to core deposits | 50.7906% | 6,099 |
| Total domestic deposits to total assets | 84.0964% | 4,273 |
| Equity capital to assets | 15.8382% | 583 |
| Core capital (leverage) ratio | 14.4521% | 684 |
| Tier 1 risk-based capital ratio | 32.0034% | 432 |
| Total risk-based capital ratio | 33.3437% | 422 |
| Memoranda: | ||
| Average total assets | $27,827,600 | 6,807 |
| Average earning assets | $25,616,800 | 6,767 |
| Average equity | $4,699,200 | 6,387 |
| Average total loans | $12,291,000 | 6,769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 4,666 |
| Cost of funding earning assets | 0.3089% | 6,568 |
| Net interest margin | 3.9353% | 2,776 |
| Noninterest income to average assets | 0.2122% | 6,022 |
| Noninterest expense to average assets | 2.5930% | 4,768 |
| Loan and lease loss provision to assets | 6.9773% | 3 |
| Net operating income to assets | -5.6950% | 7,165 |
| Return on assets (ROA) | -5.6950% | 7,166 |
| Pretax return on assets | -5.6950% | 7,167 |
| Return on Equity (ROE) | -33.2500% | 7,076 |
| Retained earnings to average equity (ytd only) | -33.2500% | 7,068 |
| Net charge-offs to loans | 0.8770% | 1,251 |
| Credit loss provision to net charge-offs | 1,804.8780% | 147 |
| Earnings coverage of net charge-offs (x) | 3.3171% | 3,695 |
| Efficiency ratio | 66.9100% | 4,264 |
| Assets per employee ($millions) | 3.2031% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.5893% | 5 |
| Loan loss allowance to noncurrent loans | 103.3314% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 6.7941% | 536 |
| Noncurrent loans to loans | 15.0867% | 97 |
| Net loans and leases to total assets | 38.0137% | 6,415 |
| Net loans and leases to deposits | 45.5272% | 6,420 |
| Net loans and leases to core deposits | 49.9385% | 6,286 |
| Total domestic deposits to total assets | 83.4966% | 4,440 |
| Equity capital to assets | 16.4449% | 537 |
| Core capital (leverage) ratio | 14.8081% | 645 |
| Tier 1 risk-based capital ratio | 34.4000% | 372 |
| Total risk-based capital ratio | 35.8186% | 365 |
| Memoranda: | ||
| Average total assets | $28,281,250 | 6,884 |
| Average earning assets | $26,325,000 | 6,841 |
| Average equity | $4,844,000 | 6,414 |
| Average total loans | $12,467,000 | 6,848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 4,034 |
| Cost of funding earning assets | 0.3281% | 6,605 |
| Net interest margin | 4.1086% | 2,057 |
| Noninterest income to average assets | 0.1989% | 6,130 |
| Noninterest expense to average assets | 2.2834% | 5,784 |
| Loan and lease loss provision to assets | 10.1143% | 1 |
| Net operating income to assets | -8.4206% | 7,237 |
| Return on assets (ROA) | -8.4206% | 7,237 |
| Pretax return on assets | -8.4206% | 7,237 |
| Return on Equity (ROE) | -48.5952% | 7,166 |
| Retained earnings to average equity (ytd only) | -48.5952% | 7,161 |
| Net charge-offs to loans | -0.0783% | 6,798 |
| Credit loss provision to net charge-offs | -29,500.0000% | 6,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4138% | 5,939 |
| Assets per employee ($millions) | 3.9906% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.2098% | 4 |
| Loan loss allowance to noncurrent loans | 1,106.4706% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 5,250 |
| Noncurrent loans to loans | 1.3746% | 3,858 |
| Net loans and leases to total assets | 37.5385% | 6,516 |
| Net loans and leases to deposits | 44.1665% | 6,549 |
| Net loans and leases to core deposits | 47.3344% | 6,497 |
| Total domestic deposits to total assets | 84.9932% | 3,868 |
| Equity capital to assets | 14.9638% | 799 |
| Core capital (leverage) ratio | 14.1808% | 760 |
| Tier 1 risk-based capital ratio | 31.1450% | 476 |
| Total risk-based capital ratio | 32.5555% | 462 |
| Memoranda: | ||
| Average total assets | $29,166,670 | 6,912 |
| Average earning assets | $26,821,670 | 6,880 |
| Average equity | $5,054,000 | 6,375 |
| Average total loans | $12,776,000 | 6,893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 4,001 |
| Cost of funding earning assets | 0.3446% | 6,663 |
| Net interest margin | 4.1356% | 1,977 |
| Noninterest income to average assets | 0.1477% | 6,501 |
| Noninterest expense to average assets | 1.7997% | 6,792 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0549% | 378 |
| Return on assets (ROA) | 2.0549% | 439 |
| Pretax return on assets | 2.0549% | 683 |
| Return on Equity (ROE) | 11.1455% | 1,963 |
| Retained earnings to average equity (ytd only) | 11.1455% | 995 |
| Net charge-offs to loans | -0.0308% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6899% | 6,865 |
| Assets per employee ($millions) | 4.9077% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1054% | 756 |
| Loan loss allowance to noncurrent loans | 174.0260% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 4,980 |
| Noncurrent loans to loans | 1.7845% | 3,432 |
| Net loans and leases to total assets | 42.5966% | 6,135 |
| Net loans and leases to deposits | 52.5383% | 5,940 |
| Net loans and leases to core deposits | 53.2679% | 6,113 |
| Total domestic deposits to total assets | 81.0772% | 5,584 |
| Equity capital to assets | 18.8718% | 287 |
| Core capital (leverage) ratio | 18.8465% | 248 |
| Tier 1 risk-based capital ratio | 36.2374% | 305 |
| Total risk-based capital ratio | 37.5016% | 297 |
| Memoranda: | ||
| Average total assets | $29,783,000 | 6,955 |
| Average earning assets | $26,695,000 | 6,940 |
| Average equity | $5,491,000 | 6,282 |
| Average total loans | $12,980,500 | 6,940 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 3,207 |
| Cost of funding earning assets | 0.6001% | 6,090 |
| Net interest margin | 4.3301% | 1,605 |
| Noninterest income to average assets | 0.6451% | 2,917 |
| Noninterest expense to average assets | 3.1562% | 3,008 |
| Loan and lease loss provision to assets | 0.1654% | 4,566 |
| Net operating income to assets | 1.0951% | 1,852 |
| Return on assets (ROA) | 1.0951% | 1,968 |
| Pretax return on assets | 1.0951% | 2,857 |
| Return on Equity (ROE) | 6.0142% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.9442% | 4,826 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4607% | 3,701 |
| Assets per employee ($millions) | 5.0200% | 2,178 |
| Cash dividends to net income (ytd only)* | 67.6737% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0808% | 756 |
| Loan loss allowance to noncurrent loans | 219.1257% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,443 |
| Noncurrent loans to loans | 1.4060% | 4,044 |
| Net loans and leases to total assets | 41.8825% | 6,395 |
| Net loans and leases to deposits | 51.6014% | 6,245 |
| Net loans and leases to core deposits | 54.8216% | 6,242 |
| Total domestic deposits to total assets | 81.1653% | 5,403 |
| Equity capital to assets | 18.0113% | 348 |
| Core capital (leverage) ratio | 17.4624% | 333 |
| Tier 1 risk-based capital ratio | 34.6521% | 343 |
| Total risk-based capital ratio | 35.9171% | 332 |
| Memoranda: | ||
| Average total assets | $30,225,800 | 6,964 |
| Average earning assets | $26,327,200 | 6,976 |
| Average equity | $5,503,600 | 6,292 |
| Average total loans | $14,172,000 | 6,943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 2,811 |
| Cost of funding earning assets | 0.6443% | 6,062 |
| Net interest margin | 4.4150% | 1,366 |
| Noninterest income to average assets | 0.7801% | 2,138 |
| Noninterest expense to average assets | 3.4509% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2252% | 1,588 |
| Return on assets (ROA) | 1.2252% | 1,694 |
| Pretax return on assets | 1.2252% | 2,540 |
| Return on Equity (ROE) | 6.7109% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.7109% | 2,126 |
| Net charge-offs to loans | 0.0185% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 138.8240% | 271 |
| Efficiency ratio | 73.7983% | 3,218 |
| Assets per employee ($millions) | 4.2650% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 1,388 |
| Loan loss allowance to noncurrent loans | 300.8621% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 6,100 |
| Noncurrent loans to loans | 0.8335% | 5,205 |
| Net loans and leases to total assets | 45.4463% | 6,193 |
| Net loans and leases to deposits | 55.9898% | 6,035 |
| Net loans and leases to core deposits | 59.8395% | 6,005 |
| Total domestic deposits to total assets | 81.1690% | 5,380 |
| Equity capital to assets | 18.7640% | 329 |
| Core capital (leverage) ratio | 18.0847% | 318 |
| Tier 1 risk-based capital ratio | 35.0047% | 356 |
| Total risk-based capital ratio | 36.2599% | 345 |
| Memoranda: | ||
| Average total assets | $30,252,250 | 7,034 |
| Average earning assets | $26,696,500 | 7,039 |
| Average equity | $5,523,250 | 6,327 |
| Average total loans | $14,461,000 | 6,998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 3,898 |
| Cost of funding earning assets | 0.6536% | 6,209 |
| Net interest margin | 4.1887% | 2,079 |
| Noninterest income to average assets | 1.1387% | 1,002 |
| Noninterest expense to average assets | 2.2116% | 6,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.6395% | 139 |
| Return on assets (ROA) | 2.6395% | 144 |
| Pretax return on assets | 2.6395% | 201 |
| Return on Equity (ROE) | 14.5898% | 874 |
| Retained earnings to average equity (ytd only) | 14.5898% | 274 |
| Net charge-offs to loans | -0.0546% | 7,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5902% | 7,173 |
| Assets per employee ($millions) | 3.8728% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5481% | 1,378 |
| Loan loss allowance to noncurrent loans | 100.2825% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9689% | 3,275 |
| Noncurrent loans to loans | 2.5409% | 2,843 |
| Net loans and leases to total assets | 43.8222% | 6,449 |
| Net loans and leases to deposits | 53.7959% | 6,320 |
| Net loans and leases to core deposits | 57.3959% | 6,314 |
| Total domestic deposits to total assets | 81.4602% | 5,365 |
| Equity capital to assets | 18.4656% | 347 |
| Core capital (leverage) ratio | 18.4855% | 300 |
| Tier 1 risk-based capital ratio | 34.5683% | 363 |
| Total risk-based capital ratio | 35.8784% | 353 |
| Memoranda: | ||
| Average total assets | $30,384,670 | 7,096 |
| Average earning assets | $26,929,670 | 7,093 |
| Average equity | $5,497,000 | 6,366 |
| Average total loans | $14,642,330 | 7,055 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 2,212 |
| Cost of funding earning assets | 0.6877% | 6,209 |
| Net interest margin | 4.5150% | 1,039 |
| Noninterest income to average assets | 1.9411% | 369 |
| Noninterest expense to average assets | 2.1405% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.8157% | 81 |
| Return on assets (ROA) | 3.8157% | 84 |
| Pretax return on assets | 3.8157% | 108 |
| Return on Equity (ROE) | 21.3185% | 275 |
| Retained earnings to average equity (ytd only) | 21.3185% | 146 |
| Net charge-offs to loans | -0.0800% | 7,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9375% | 7,447 |
| Assets per employee ($millions) | 3.7616% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3241% | 1,724 |
| Loan loss allowance to noncurrent loans | 84.6890% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 3,013 |
| Noncurrent loans to loans | 2.7442% | 2,754 |
| Net loans and leases to total assets | 49.4401% | 5,913 |
| Net loans and leases to deposits | 60.5486% | 5,668 |
| Net loans and leases to core deposits | 64.7151% | 5,650 |
| Total domestic deposits to total assets | 81.6535% | 5,438 |
| Equity capital to assets | 18.2734% | 355 |
| Core capital (leverage) ratio | 18.2580% | 321 |
| Tier 1 risk-based capital ratio | 32.4272% | 418 |
| Total risk-based capital ratio | 33.7397% | 407 |
| Memoranda: | ||
| Average total assets | $30,086,000 | 7,148 |
| Average earning assets | $26,755,500 | 7,146 |
| Average equity | $5,385,000 | 6,424 |
| Average total loans | $14,997,500 | 7,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 3,113 |
| Cost of funding earning assets | 0.8117% | 6,514 |
| Net interest margin | 4.4928% | 1,240 |
| Noninterest income to average assets | 0.3808% | 5,052 |
| Noninterest expense to average assets | 2.3870% | 6,118 |
| Loan and lease loss provision to assets | 0.3128% | 4,298 |
| Net operating income to assets | 1.6900% | 530 |
| Return on assets (ROA) | 1.6900% | 569 |
| Pretax return on assets | 1.6900% | 963 |
| Return on Equity (ROE) | 9.2249% | 2,210 |
| Retained earnings to average equity (ytd only) | 2.4686% | 4,150 |
| Net charge-offs to loans | 0.4513% | 3,811 |
| Credit loss provision to net charge-offs | 135.2941% | 2,873 |
| Earnings coverage of net charge-offs (x) | 8.6618% | 1,942 |
| Efficiency ratio | 54.3765% | 6,766 |
| Assets per employee ($millions) | 3.7599% | 4,344 |
| Cash dividends to net income (ytd only)* | 73.2394% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 1,581 |
| Loan loss allowance to noncurrent loans | 575.4098% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 6,718 |
| Noncurrent loans to loans | 0.4132% | 6,219 |
| Net loans and leases to total assets | 47.9138% | 6,400 |
| Net loans and leases to deposits | 59.0704% | 6,147 |
| Net loans and leases to core deposits | 63.3049% | 6,118 |
| Total domestic deposits to total assets | 81.1131% | 5,490 |
| Equity capital to assets | 17.5239% | 405 |
| Core capital (leverage) ratio | 17.0753% | 396 |
| Tier 1 risk-based capital ratio | 29.8985% | 510 |
| Total risk-based capital ratio | 31.1688% | 502 |
| Memoranda: | ||
| Average total assets | $29,409,000 | 7,227 |
| Average earning assets | $26,242,000 | 7,218 |
| Average equity | $5,387,600 | 6,541 |
| Average total loans | $15,066,600 | 7,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 2,866 |
| Cost of funding earning assets | 0.8242% | 6,671 |
| Net interest margin | 4.5790% | 1,090 |
| Noninterest income to average assets | 0.3876% | 5,057 |
| Noninterest expense to average assets | 2.3163% | 6,270 |
| Loan and lease loss provision to assets | 0.1003% | 6,020 |
| Net operating income to assets | 2.0746% | 300 |
| Return on assets (ROA) | 2.0746% | 319 |
| Pretax return on assets | 2.0746% | 533 |
| Return on Equity (ROE) | 11.1995% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.1995% | 577 |
| Net charge-offs to loans | 0.3698% | 3,833 |
| Credit loss provision to net charge-offs | 52.3810% | 5,851 |
| Earnings coverage of net charge-offs (x) | 11.3568% | 1,799 |
| Efficiency ratio | 51.5736% | 7,022 |
| Assets per employee ($millions) | 3.6235% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 1,799 |
| Loan loss allowance to noncurrent loans | 487.3016% | 622 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 4,912 |
| Noncurrent loans to loans | 0.4521% | 6,283 |
| Net loans and leases to total assets | 47.0126% | 6,607 |
| Net loans and leases to deposits | 58.4843% | 6,430 |
| Net loans and leases to core deposits | 62.8888% | 6,385 |
| Total domestic deposits to total assets | 80.3850% | 5,583 |
| Equity capital to assets | 19.5115% | 319 |
| Core capital (leverage) ratio | 19.0860% | 295 |
| Tier 1 risk-based capital ratio | 35.0719% | 345 |
| Total risk-based capital ratio | 36.3899% | 335 |
| Memoranda: | ||
| Average total assets | $29,241,500 | 7,318 |
| Average earning assets | $26,205,750 | 7,312 |
| Average equity | $5,416,750 | 6,613 |
| Average total loans | $15,142,500 | 7,250 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4112% | 2,928 |
| Cost of funding earning assets | 0.8290% | 6,821 |
| Net interest margin | 4.5822% | 1,034 |
| Noninterest income to average assets | 0.3887% | 5,004 |
| Noninterest expense to average assets | 2.2642% | 6,461 |
| Loan and lease loss provision to assets | 0.1500% | 5,399 |
| Net operating income to assets | 2.1210% | 271 |
| Return on assets (ROA) | 2.1210% | 294 |
| Pretax return on assets | 2.1210% | 473 |
| Return on Equity (ROE) | 11.6545% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.6545% | 541 |
| Net charge-offs to loans | 0.5661% | 2,842 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 7.5682% | 2,280 |
| Efficiency ratio | 49.9248% | 7,229 |
| Assets per employee ($millions) | 3.7383% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 2,088 |
| Loan loss allowance to noncurrent loans | 88.4058% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 4,820 |
| Noncurrent loans to loans | 2.3092% | 3,361 |
| Net loans and leases to total assets | 48.9367% | 6,551 |
| Net loans and leases to deposits | 60.0829% | 6,406 |
| Net loans and leases to core deposits | 60.0829% | 6,710 |
| Total domestic deposits to total assets | 81.4485% | 5,217 |
| Equity capital to assets | 18.4545% | 382 |
| Core capital (leverage) ratio | 18.1349% | 347 |
| Tier 1 risk-based capital ratio | 32.1976% | 420 |
| Total risk-based capital ratio | 33.5108% | 409 |
| Memoranda: | ||
| Average total assets | $29,326,000 | 7,369 |
| Average earning assets | $26,537,670 | 7,352 |
| Average equity | $5,337,000 | 6,672 |
| Average total loans | $15,545,000 | 7,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5823% | 2,234 |
| Cost of funding earning assets | 0.8298% | 6,999 |
| Net interest margin | 4.7525% | 702 |
| Noninterest income to average assets | 0.3582% | 5,273 |
| Noninterest expense to average assets | 2.2455% | 6,562 |
| Loan and lease loss provision to assets | 0.1378% | 5,180 |
| Net operating income to assets | 2.3144% | 205 |
| Return on assets (ROA) | 2.3144% | 229 |
| Pretax return on assets | 2.3144% | 339 |
| Return on Equity (ROE) | 12.8098% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.8098% | 646 |
| Net charge-offs to loans | 1.1358% | 1,482 |
| Credit loss provision to net charge-offs | 22.2222% | 4,921 |
| Earnings coverage of net charge-offs (x) | 3.9556% | 2,737 |
| Efficiency ratio | 47.8006% | 7,452 |
| Assets per employee ($millions) | 3.6225% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 2,264 |
| Loan loss allowance to noncurrent loans | 90.9657% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 4,936 |
| Noncurrent loans to loans | 2.1653% | 3,575 |
| Net loans and leases to total assets | 50.1484% | 6,448 |
| Net loans and leases to deposits | 61.5362% | 6,320 |
| Net loans and leases to core deposits | 66.0951% | 6,277 |
| Total domestic deposits to total assets | 81.4941% | 5,271 |
| Equity capital to assets | 18.4023% | 383 |
| Core capital (leverage) ratio | 18.1681% | 365 |
| Tier 1 risk-based capital ratio | 31.7765% | 444 |
| Total risk-based capital ratio | 33.0895% | 435 |
| Memoranda: | ||
| Average total assets | $29,036,000 | 7,476 |
| Average earning assets | $26,512,500 | 7,448 |
| Average equity | $5,246,000 | 6,759 |
| Average total loans | $15,847,500 | 7,356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2212% | 1,190 |
| Cost of funding earning assets | 1.0947% | 6,995 |
| Net interest margin | 5.1264% | 343 |
| Noninterest income to average assets | 0.4099% | 5,127 |
| Noninterest expense to average assets | 2.3689% | 6,553 |
| Loan and lease loss provision to assets | 0.3126% | 4,946 |
| Net operating income to assets | 2.3967% | 103 |
| Return on assets (ROA) | 2.3967% | 113 |
| Pretax return on assets | 2.3967% | 186 |
| Return on Equity (ROE) | 13.1584% | 927 |
| Retained earnings to average equity (ytd only) | 4.0047% | 2,408 |
| Net charge-offs to loans | 0.1109% | 6,045 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 576 |
| Efficiency ratio | 46.6484% | 7,685 |
| Assets per employee ($millions) | 3.6365% | 4,680 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 2,173 |
| Loan loss allowance to noncurrent loans | 89.3443% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.2581% | 4,573 |
| Noncurrent loans to loans | 2.1695% | 3,427 |
| Net loans and leases to total assets | 56.8644% | 5,843 |
| Net loans and leases to deposits | 70.6211% | 5,521 |
| Net loans and leases to core deposits | 87.3304% | 5,403 |
| Total domestic deposits to total assets | 80.5204% | 5,504 |
| Equity capital to assets | 17.7334% | 469 |
| Core capital (leverage) ratio | 17.3326% | 453 |
| Tier 1 risk-based capital ratio | 28.0177% | 642 |
| Total risk-based capital ratio | 29.2788% | 620 |
| Memoranda: | ||
| Average total assets | $28,789,600 | 7,514 |
| Average earning assets | $26,217,000 | 7,498 |
| Average equity | $5,243,800 | 6,855 |
| Average total loans | $16,223,800 | 7,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3594% | 1,005 |
| Cost of funding earning assets | 1.1502% | 7,040 |
| Net interest margin | 5.2091% | 294 |
| Noninterest income to average assets | 0.3947% | 5,340 |
| Noninterest expense to average assets | 2.3031% | 6,697 |
| Loan and lease loss provision to assets | 0.1857% | 5,516 |
| Net operating income to assets | 2.6374% | 85 |
| Return on assets (ROA) | 2.6374% | 94 |
| Pretax return on assets | 2.6374% | 158 |
| Return on Equity (ROE) | 14.3839% | 862 |
| Retained earnings to average equity (ytd only) | 14.3839% | 176 |
| Net charge-offs to loans | -0.0083% | 7,664 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9275% | 7,805 |
| Assets per employee ($millions) | 3.5623% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 2,471 |
| Loan loss allowance to noncurrent loans | 76.0925% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 4,358 |
| Noncurrent loans to loans | 2.2890% | 3,279 |
| Net loans and leases to total assets | 58.5936% | 5,796 |
| Net loans and leases to deposits | 72.8375% | 5,532 |
| Net loans and leases to core deposits | 90.8438% | 5,353 |
| Total domestic deposits to total assets | 80.4442% | 5,271 |
| Equity capital to assets | 19.4329% | 377 |
| Core capital (leverage) ratio | 19.2992% | 358 |
| Tier 1 risk-based capital ratio | 29.7938% | 576 |
| Total risk-based capital ratio | 31.0472% | 562 |
| Memoranda: | ||
| Average total assets | $28,714,000 | 7,583 |
| Average earning assets | $26,081,750 | 7,569 |
| Average equity | $5,265,000 | 6,920 |
| Average total loans | $16,062,250 | 7,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4349% | 928 |
| Cost of funding earning assets | 1.1970% | 7,114 |
| Net interest margin | 5.2379% | 279 |
| Noninterest income to average assets | 0.3821% | 5,444 |
| Noninterest expense to average assets | 2.1260% | 7,221 |
| Loan and lease loss provision to assets | 0.1737% | 5,319 |
| Net operating income to assets | 2.8556% | 70 |
| Return on assets (ROA) | 2.8556% | 78 |
| Pretax return on assets | 2.8556% | 121 |
| Return on Equity (ROE) | 15.8871% | 713 |
| Retained earnings to average equity (ytd only) | 15.8871% | 165 |
| Net charge-offs to loans | -0.0127% | 7,638 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2399% | 7,996 |
| Assets per employee ($millions) | 3.6138% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 2,110 |
| Loan loss allowance to noncurrent loans | 260.1852% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 6,521 |
| Noncurrent loans to loans | 0.6834% | 5,881 |
| Net loans and leases to total assets | 53.6908% | 6,497 |
| Net loans and leases to deposits | 65.9444% | 6,399 |
| Net loans and leases to core deposits | 79.3274% | 6,460 |
| Total domestic deposits to total assets | 81.4182% | 4,920 |
| Equity capital to assets | 18.4607% | 509 |
| Core capital (leverage) ratio | 18.5918% | 447 |
| Tier 1 risk-based capital ratio | 30.2295% | 591 |
| Total risk-based capital ratio | 31.5387% | 574 |
| Memoranda: | ||
| Average total assets | $28,786,000 | 7,650 |
| Average earning assets | $26,232,000 | 7,630 |
| Average equity | $5,174,000 | 7,006 |
| Average total loans | $15,751,670 | 7,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6858% | 595 |
| Cost of funding earning assets | 1.2940% | 7,027 |
| Net interest margin | 5.3918% | 203 |
| Noninterest income to average assets | 0.3760% | 5,421 |
| Noninterest expense to average assets | 2.2838% | 6,594 |
| Loan and lease loss provision to assets | 0.1393% | 5,172 |
| Net operating income to assets | 2.8269% | 81 |
| Return on assets (ROA) | 2.8269% | 100 |
| Pretax return on assets | 2.8269% | 150 |
| Return on Equity (ROE) | 15.9450% | 833 |
| Retained earnings to average equity (ytd only) | 15.9450% | 342 |
| Net charge-offs to loans | -0.0254% | 7,506 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5013% | 7,949 |
| Assets per employee ($millions) | 3.4998% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 2,147 |
| Loan loss allowance to noncurrent loans | 274.2268% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,479 |
| Noncurrent loans to loans | 0.6204% | 5,848 |
| Net loans and leases to total assets | 54.8968% | 6,366 |
| Net loans and leases to deposits | 67.4330% | 6,229 |
| Net loans and leases to core deposits | 82.3114% | 6,212 |
| Total domestic deposits to total assets | 81.4094% | 4,789 |
| Equity capital to assets | 18.4549% | 548 |
| Core capital (leverage) ratio | 17.7033% | 587 |
| Tier 1 risk-based capital ratio | 29.5005% | 655 |
| Total risk-based capital ratio | 30.8069% | 632 |
| Memoranda: | ||
| Average total assets | $28,724,000 | 7,704 |
| Average earning assets | $25,965,500 | 7,685 |
| Average equity | $5,092,500 | 7,079 |
| Average total loans | $15,726,000 | 7,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8136% | 1,634 |
| Cost of funding earning assets | 1.9478% | 6,580 |
| Net interest margin | 4.8658% | 681 |
| Noninterest income to average assets | 0.4201% | 5,297 |
| Noninterest expense to average assets | 2.3951% | 6,409 |
| Loan and lease loss provision to assets | 0.2202% | 4,682 |
| Net operating income to assets | 2.2900% | 197 |
| Return on assets (ROA) | 2.2900% | 193 |
| Pretax return on assets | 2.2900% | 322 |
| Return on Equity (ROE) | 13.5667% | 1,196 |
| Retained earnings to average equity (ytd only) | 4.0138% | 2,633 |
| Net charge-offs to loans | 0.2036% | 4,171 |
| Credit loss provision to net charge-offs | 209.6774% | 2,304 |
| Earnings coverage of net charge-offs (x) | 23.9032% | 1,395 |
| Efficiency ratio | 48.8260% | 7,747 |
| Assets per employee ($millions) | 3.6813% | 4,214 |
| Cash dividends to net income (ytd only)* | 70.4142% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 2,164 |
| Loan loss allowance to noncurrent loans | 78.2875% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 4,055 |
| Noncurrent loans to loans | 2.0675% | 2,670 |
| Net loans and leases to total assets | 52.8353% | 6,767 |
| Net loans and leases to deposits | 65.0638% | 6,709 |
| Net loans and leases to core deposits | 81.0290% | 6,534 |
| Total domestic deposits to total assets | 81.2054% | 4,558 |
| Equity capital to assets | 17.0390% | 779 |
| Core capital (leverage) ratio | 16.3495% | 776 |
| Tier 1 risk-based capital ratio | 27.7118% | 775 |
| Total risk-based capital ratio | 29.0177% | 758 |
| Memoranda: | ||
| Average total assets | $29,519,200 | 7,667 |
| Average earning assets | $27,210,200 | 7,656 |
| Average equity | $4,982,800 | 7,150 |
| Average total loans | $15,227,400 | 7,630 |