Home > Generations Bank > Performance and Condition Ratios
Generations Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 1,744 |
| Cost of funding earning assets | 1.4858% | 1,975 |
| Net interest margin | 3.6739% | 1,807 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7857% | 1,541 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8328% | 2,769 |
| Return on assets (ROA) | 0.7713% | 2,950 |
| Pretax return on assets | 0.9688% | 2,754 |
| Return on Equity (ROE) | 9.1900% | 2,707 |
| Retained earnings to average equity (ytd only) | 3.4923% | 3,123 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.2372% | 1,640 |
| Assets per employee ($millions) | 5.7718% | 3,006 |
| Cash dividends to net income (ytd only)* | 61.9946% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 724 |
| Loan loss allowance to noncurrent loans | 456.2500% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 1,978 |
| Noncurrent loans to loans | 0.3650% | 1,892 |
| Net loans and leases to total assets | 66.3900% | 2,214 |
| Net loans and leases to deposits | 84.4524% | 1,742 |
| Net loans and leases to core deposits | 99.9710% | 1,438 |
| Total domestic deposits to total assets | 78.6100% | 3,659 |
| Equity capital to assets | 8.0314% | 3,394 |
| Core capital (leverage) ratio | 9.4730% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $48,103,200 | 4,331 |
| Average earning assets | $44,421,800 | 4,302 |
| Average equity | $4,037,400 | 4,354 |
| Average total loans | $30,722,400 | 4,128 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2,624.0000% | 35 |
| Cost of funding earning assets | 9.0000% | 33 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.8966% | 2,678 |
| Pretax return on assets | 1.1369% | 2,465 |
| Return on Equity (ROE) | 10.5600% | 2,490 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 10.1259% | 4,576 |
| Assets per employee ($millions) | 0.0288% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 15.0000% | 4,533 |
| Equity capital to assets | 9,463.0000% | 25 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,445,000 | 4,619 |
| Average earning assets | $5,712 | 4,603 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 1,310 |
| Cost of funding earning assets | 1.1940% | 2,012 |
| Net interest margin | 3.9415% | 1,347 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.8608% | 1,306 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9352% | 2,632 |
| Return on assets (ROA) | 0.9352% | 2,618 |
| Pretax return on assets | 1.2073% | 2,341 |
| Return on Equity (ROE) | 10.9000% | 2,444 |
| Retained earnings to average equity (ytd only) | 10.8992% | 1,207 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8858% | 1,768 |
| Assets per employee ($millions) | 5.1843% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 415 |
| Loan loss allowance to noncurrent loans | 814.0845% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 2,480 |
| Noncurrent loans to loans | 0.2459% | 2,273 |
| Net loans and leases to total assets | 60.6500% | 2,711 |
| Net loans and leases to deposits | 68.0215% | 2,921 |
| Net loans and leases to core deposits | 75.1474% | 2,820 |
| Total domestic deposits to total assets | 89.1600% | 1,194 |
| Equity capital to assets | 8.8000% | 2,661 |
| Core capital (leverage) ratio | 9.8000% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $47,049,000 | 4,375 |
| Average earning assets | $43,384,667 | 4,353 |
| Average equity | $4,037,000 | 4,390 |
| Average total loans | $29,135,000 | 4,179 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2436% | 901 |
| Cost of funding earning assets | 1.0836% | 1,795 |
| Net interest margin | 4.1600% | 1,006 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.0734% | 970 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1176% | 2,172 |
| Return on assets (ROA) | 1.1176% | 2,139 |
| Pretax return on assets | 1.2446% | 2,318 |
| Return on Equity (ROE) | 13.1900% | 1,948 |
| Retained earnings to average equity (ytd only) | 13.1918% | 1,058 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7602% | 1,672 |
| Assets per employee ($millions) | 5.3097% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0246% | 416 |
| Loan loss allowance to noncurrent loans | 727.8481% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 2,346 |
| Noncurrent loans to loans | 0.2782% | 2,146 |
| Net loans and leases to total assets | 58.2300% | 2,850 |
| Net loans and leases to deposits | 65.0292% | 3,010 |
| Net loans and leases to core deposits | 71.1681% | 2,871 |
| Total domestic deposits to total assets | 89.5400% | 1,327 |
| Equity capital to assets | 8.6634% | 2,771 |
| Core capital (leverage) ratio | 9.5909% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $47,244,000 | 4,436 |
| Average earning assets | $43,558,000 | 4,422 |
| Average equity | $4,002,500 | 4,453 |
| Average total loans | $29,264,000 | 4,234 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 2,113 |
| Cost of funding earning assets | 0.5236% | 1,247 |
| Net interest margin | 3.3317% | 2,478 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.6973% | 1,566 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7445% | 3,496 |
| Return on assets (ROA) | 0.7041% | 3,555 |
| Pretax return on assets | 0.8644% | 3,445 |
| Return on Equity (ROE) | 7.8800% | 3,414 |
| Retained earnings to average equity (ytd only) | 2.3034% | 3,920 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1513% | 1,203 |
| Assets per employee ($millions) | 5.1890% | 3,523 |
| Cash dividends to net income (ytd only)* | 70.7692% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 543 |
| Loan loss allowance to noncurrent loans | 110.8527% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 374 |
| Noncurrent loans to loans | 1.7127% | 364 |
| Net loans and leases to total assets | 63.2900% | 2,305 |
| Net loans and leases to deposits | 74.8740% | 2,183 |
| Net loans and leases to core deposits | 75.8346% | 2,431 |
| Total domestic deposits to total assets | 84.5200% | 3,099 |
| Equity capital to assets | 8.2761% | 2,878 |
| Core capital (leverage) ratio | 9.7834% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,157,000 | 4,474 |
| Average earning assets | $42,590,400 | 4,454 |
| Average equity | $4,124,400 | 4,520 |
| Average total loans | $28,477,600 | 4,263 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 1,906 |
| Cost of funding earning assets | 0.4235% | 1,131 |
| Net interest margin | 3.3218% | 2,228 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.6712% | 1,527 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7544% | 3,407 |
| Return on assets (ROA) | 0.7011% | 3,527 |
| Pretax return on assets | 0.8749% | 3,399 |
| Return on Equity (ROE) | 7.7000% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.0420% | 3,432 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.4076% | 1,341 |
| Assets per employee ($millions) | 5.1309% | 3,562 |
| Cash dividends to net income (ytd only)* | 47.5207% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 577 |
| Loan loss allowance to noncurrent loans | 100.5300% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2257% | 328 |
| Noncurrent loans to loans | 1.9078% | 320 |
| Net loans and leases to total assets | 63.0100% | 2,189 |
| Net loans and leases to deposits | 74.5014% | 2,006 |
| Net loans and leases to core deposits | 75.4675% | 2,239 |
| Total domestic deposits to total assets | 84.5800% | 3,373 |
| Equity capital to assets | 8.1706% | 2,782 |
| Core capital (leverage) ratio | 9.7437% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,021,000 | 4,512 |
| Average earning assets | $42,505,750 | 4,490 |
| Average equity | $4,189,250 | 4,564 |
| Average total loans | $28,065,250 | 4,300 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 2,684 |
| Cost of funding earning assets | 0.3670% | 1,131 |
| Net interest margin | 2.9504% | 3,032 |
| Noninterest income to average assets | 0.6178% | 1,664 |
| Noninterest expense to average assets | 2.6105% | 1,607 |
| Loan and lease loss provision to assets | 0.0261% | 2,129 |
| Net operating income to assets | 0.5814% | 3,676 |
| Return on assets (ROA) | 0.5743% | 3,645 |
| Pretax return on assets | 0.7005% | 3,573 |
| Return on Equity (ROE) | 6.0998% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.0998% | 2,304 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0234% | 1,082 |
| Assets per employee ($millions) | 5.6074% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 530 |
| Loan loss allowance to noncurrent loans | 99.1243% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2729% | 321 |
| Noncurrent loans to loans | 2.0368% | 318 |
| Net loans and leases to total assets | 61.2319% | 2,195 |
| Net loans and leases to deposits | 69.8594% | 2,219 |
| Net loans and leases to core deposits | 70.7592% | 2,428 |
| Total domestic deposits to total assets | 87.6502% | 2,712 |
| Equity capital to assets | 8.9547% | 2,407 |
| Core capital (leverage) ratio | 9.6672% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,968,667 | 4,561 |
| Average earning assets | $42,502,000 | 4,546 |
| Average equity | $4,328,000 | 4,588 |
| Average total loans | $27,531,333 | 4,365 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 3,039 |
| Cost of funding earning assets | 0.3710% | 1,052 |
| Net interest margin | 2.7083% | 3,382 |
| Noninterest income to average assets | 0.6448% | 1,511 |
| Noninterest expense to average assets | 2.6395% | 1,503 |
| Loan and lease loss provision to assets | 0.0258% | 1,901 |
| Net operating income to assets | 0.4099% | 3,932 |
| Return on assets (ROA) | 0.3955% | 3,929 |
| Pretax return on assets | 0.4729% | 3,914 |
| Return on Equity (ROE) | 4.1039% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.1039% | 2,897 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6512% | 874 |
| Assets per employee ($millions) | 6.0863% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1532% | 478 |
| Loan loss allowance to noncurrent loans | 103.4926% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.1173% | 414 |
| Noncurrent loans to loans | 2.0805% | 341 |
| Net loans and leases to total assets | 52.5447% | 2,935 |
| Net loans and leases to deposits | 58.8016% | 3,005 |
| Net loans and leases to core deposits | 60.9012% | 3,072 |
| Total domestic deposits to total assets | 89.3592% | 1,893 |
| Equity capital to assets | 8.7636% | 2,916 |
| Core capital (leverage) ratio | 9.2106% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,523,500 | 4,580 |
| Average earning assets | $43,127,000 | 4,565 |
| Average equity | $4,483,500 | 4,614 |
| Average total loans | $27,280,000 | 4,384 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 1,278 |
| Cost of funding earning assets | 0.5371% | 761 |
| Net interest margin | 3.4984% | 1,735 |
| Noninterest income to average assets | 0.8669% | 1,289 |
| Noninterest expense to average assets | 2.8489% | 1,252 |
| Loan and lease loss provision to assets | 0.0813% | 1,505 |
| Net operating income to assets | 0.9256% | 2,958 |
| Return on assets (ROA) | 0.9256% | 3,022 |
| Pretax return on assets | 1.1716% | 2,756 |
| Return on Equity (ROE) | 8.5674% | 3,062 |
| Retained earnings to average equity (ytd only) | 2.9254% | 3,660 |
| Net charge-offs to loans | 0.2280% | 408 |
| Credit loss provision to net charge-offs | 58.0645% | 2,080 |
| Earnings coverage of net charge-offs (x) | 8.9516% | 2,281 |
| Efficiency ratio | 69.4551% | 1,798 |
| Assets per employee ($millions) | 5.5446% | 3,221 |
| Cash dividends to net income (ytd only)* | 65.8537% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 634 |
| Loan loss allowance to noncurrent loans | 116.9102% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 487 |
| Noncurrent loans to loans | 1.6858% | 508 |
| Net loans and leases to total assets | 62.7928% | 1,848 |
| Net loans and leases to deposits | 71.9344% | 1,919 |
| Net loans and leases to core deposits | 75.3619% | 1,970 |
| Total domestic deposits to total assets | 87.2917% | 2,394 |
| Equity capital to assets | 10.5958% | 2,093 |
| Core capital (leverage) ratio | 9.8667% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,297,400 | 4,616 |
| Average earning assets | $40,961,800 | 4,608 |
| Average equity | $4,785,600 | 4,650 |
| Average total loans | $27,197,200 | 4,429 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3395% | 3,283 |
| Cost of funding earning assets | 0.5794% | 705 |
| Net interest margin | 2.7601% | 3,869 |
| Noninterest income to average assets | 1.6981% | 443 |
| Noninterest expense to average assets | 2.7550% | 1,451 |
| Loan and lease loss provision to assets | 0.0813% | 1,459 |
| Net operating income to assets | 1.0930% | 2,583 |
| Return on assets (ROA) | 1.0930% | 2,637 |
| Pretax return on assets | 1.4151% | 2,275 |
| Return on Equity (ROE) | 10.0684% | 2,716 |
| Retained earnings to average equity (ytd only) | 6.8787% | 2,462 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8017% | 2,275 |
| Assets per employee ($millions) | 4.7919% | 3,894 |
| Cash dividends to net income (ytd only)* | 31.6804% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 487 |
| Loan loss allowance to noncurrent loans | 108.1129% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 429 |
| Noncurrent loans to loans | 1.9976% | 440 |
| Net loans and leases to total assets | 64.3935% | 1,720 |
| Net loans and leases to deposits | 76.0308% | 1,670 |
| Net loans and leases to core deposits | 79.8798% | 1,745 |
| Total domestic deposits to total assets | 84.6940% | 3,222 |
| Equity capital to assets | 11.2876% | 1,824 |
| Core capital (leverage) ratio | 9.9439% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,282,500 | 4,686 |
| Average earning assets | $40,963,500 | 4,673 |
| Average equity | $4,807,000 | 4,719 |
| Average total loans | $26,893,250 | 4,496 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3758% | 3,245 |
| Cost of funding earning assets | 0.6094% | 715 |
| Net interest margin | 2.7664% | 3,856 |
| Noninterest income to average assets | 2.0955% | 309 |
| Noninterest expense to average assets | 2.6865% | 1,624 |
| Loan and lease loss provision to assets | 0.0806% | 1,510 |
| Net operating income to assets | 1.5134% | 1,257 |
| Return on assets (ROA) | 1.5134% | 1,319 |
| Pretax return on assets | 1.8895% | 1,045 |
| Return on Equity (ROE) | 14.1226% | 1,373 |
| Retained earnings to average equity (ytd only) | 14.1226% | 527 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 3,325 |
| Assets per employee ($millions) | 4.9682% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2705% | 384 |
| Loan loss allowance to noncurrent loans | 110.8257% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2189% | 553 |
| Noncurrent loans to loans | 2.0487% | 467 |
| Net loans and leases to total assets | 58.1429% | 2,653 |
| Net loans and leases to deposits | 67.0172% | 2,716 |
| Net loans and leases to core deposits | 72.1445% | 2,592 |
| Total domestic deposits to total assets | 86.7581% | 2,442 |
| Equity capital to assets | 11.0704% | 1,932 |
| Core capital (leverage) ratio | 10.1356% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,667,667 | 4,709 |
| Average earning assets | $41,353,000 | 4,698 |
| Average equity | $4,786,667 | 4,751 |
| Average total loans | $26,396,333 | 4,539 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 2,902 |
| Cost of funding earning assets | 0.6588% | 656 |
| Net interest margin | 2.8485% | 3,641 |
| Noninterest income to average assets | 1.9353% | 398 |
| Noninterest expense to average assets | 2.7417% | 1,513 |
| Loan and lease loss provision to assets | 0.0806% | 1,605 |
| Net operating income to assets | 1.4067% | 1,560 |
| Return on assets (ROA) | 1.4067% | 1,629 |
| Pretax return on assets | 1.7471% | 1,402 |
| Return on Equity (ROE) | 13.3475% | 1,581 |
| Retained earnings to average equity (ytd only) | 13.3475% | 849 |
| Net charge-offs to loans | 0.0152% | 1,441 |
| Credit loss provision to net charge-offs | 900.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 390 |
| Efficiency ratio | 60.0000% | 3,034 |
| Assets per employee ($millions) | 5.0932% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2961% | 367 |
| Loan loss allowance to noncurrent loans | 315.9574% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 1,548 |
| Noncurrent loans to loans | 0.7267% | 1,784 |
| Net loans and leases to total assets | 55.1408% | 3,136 |
| Net loans and leases to deposits | 62.8631% | 3,233 |
| Net loans and leases to core deposits | 67.4891% | 3,108 |
| Total domestic deposits to total assets | 87.7157% | 1,991 |
| Equity capital to assets | 10.2751% | 2,453 |
| Core capital (leverage) ratio | 9.4680% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,644,500 | 4,730 |
| Average earning assets | $41,285,500 | 4,721 |
| Average equity | $4,705,000 | 4,772 |
| Average total loans | $26,293,500 | 4,564 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 1,557 |
| Cost of funding earning assets | 0.7393% | 1,512 |
| Net interest margin | 3.6721% | 1,903 |
| Noninterest income to average assets | 0.6311% | 2,095 |
| Noninterest expense to average assets | 3.0538% | 1,320 |
| Loan and lease loss provision to assets | 0.0895% | 3,243 |
| Net operating income to assets | 0.6877% | 3,473 |
| Return on assets (ROA) | 0.6013% | 3,866 |
| Pretax return on assets | 0.7604% | 3,737 |
| Return on Equity (ROE) | 5.1829% | 3,851 |
| Retained earnings to average equity (ytd only) | 0.2570% | 4,441 |
| Net charge-offs to loans | 0.0323% | 2,391 |
| Credit loss provision to net charge-offs | 400.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 42.8889% | 1,325 |
| Efficiency ratio | 72.3220% | 1,639 |
| Assets per employee ($millions) | 4.8278% | 3,577 |
| Cash dividends to net income (ytd only)* | 95.0413% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1934% | 415 |
| Loan loss allowance to noncurrent loans | 262.7803% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 1,420 |
| Noncurrent loans to loans | 0.8347% | 1,679 |
| Net loans and leases to total assets | 60.1404% | 2,849 |
| Net loans and leases to deposits | 74.7625% | 2,404 |
| Net loans and leases to core deposits | 81.1572% | 2,262 |
| Total domestic deposits to total assets | 80.4419% | 3,970 |
| Equity capital to assets | 10.8170% | 2,416 |
| Core capital (leverage) ratio | 9.9925% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,244,400 | 4,769 |
| Average earning assets | $37,063,400 | 4,751 |
| Average equity | $4,669,200 | 4,789 |
| Average total loans | $27,848,200 | 4,560 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,437 |
| Cost of funding earning assets | 0.7673% | 1,648 |
| Net interest margin | 3.7888% | 1,651 |
| Noninterest income to average assets | 0.6389% | 2,029 |
| Noninterest expense to average assets | 3.0862% | 1,254 |
| Loan and lease loss provision to assets | 0.0913% | 3,171 |
| Net operating income to assets | 0.8174% | 3,028 |
| Return on assets (ROA) | 0.7099% | 3,531 |
| Pretax return on assets | 0.8248% | 3,583 |
| Return on Equity (ROE) | 6.0065% | 3,547 |
| Retained earnings to average equity (ytd only) | 2.7172% | 3,641 |
| Net charge-offs to loans | 0.0427% | 2,013 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 34.2222% | 1,481 |
| Efficiency ratio | 70.6798% | 1,795 |
| Assets per employee ($millions) | 4.6398% | 3,669 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 473 |
| Loan loss allowance to noncurrent loans | 243.4599% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 1,453 |
| Noncurrent loans to loans | 0.8326% | 1,762 |
| Net loans and leases to total assets | 66.7824% | 2,414 |
| Net loans and leases to deposits | 82.2359% | 2,072 |
| Net loans and leases to core deposits | 89.4961% | 2,018 |
| Total domestic deposits to total assets | 81.2084% | 3,607 |
| Equity capital to assets | 11.4230% | 2,068 |
| Core capital (leverage) ratio | 10.3211% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,443,000 | 4,803 |
| Average earning assets | $36,316,250 | 4,790 |
| Average equity | $4,661,500 | 4,813 |
| Average total loans | $28,131,000 | 4,575 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 1,305 |
| Cost of funding earning assets | 0.8032% | 1,808 |
| Net interest margin | 3.9375% | 1,473 |
| Noninterest income to average assets | 0.4344% | 2,882 |
| Noninterest expense to average assets | 3.2169% | 1,131 |
| Loan and lease loss provision to assets | 0.0931% | 3,107 |
| Net operating income to assets | 0.5989% | 3,742 |
| Return on assets (ROA) | 0.4706% | 4,149 |
| Pretax return on assets | 0.5896% | 4,084 |
| Return on Equity (ROE) | 3.9349% | 4,124 |
| Retained earnings to average equity (ytd only) | -1.0378% | 4,482 |
| Net charge-offs to loans | 0.0642% | 1,602 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 18.1111% | 1,780 |
| Efficiency ratio | 75.0318% | 1,366 |
| Assets per employee ($millions) | 5.1103% | 3,051 |
| Cash dividends to net income (ytd only)* | 126.3736% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 467 |
| Loan loss allowance to noncurrent loans | 228.1124% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 1,158 |
| Noncurrent loans to loans | 0.8597% | 1,770 |
| Net loans and leases to total assets | 69.4535% | 2,117 |
| Net loans and leases to deposits | 85.7773% | 1,794 |
| Net loans and leases to core deposits | 93.5459% | 1,783 |
| Total domestic deposits to total assets | 80.9696% | 3,614 |
| Equity capital to assets | 11.3718% | 2,060 |
| Core capital (leverage) ratio | 10.4579% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,671,333 | 4,838 |
| Average earning assets | $35,606,000 | 4,824 |
| Average equity | $4,625,333 | 4,844 |
| Average total loans | $28,020,000 | 4,596 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4143% | 450 |
| Cost of funding earning assets | 0.9043% | 1,842 |
| Net interest margin | 4.5100% | 492 |
| Noninterest income to average assets | 0.5537% | 2,262 |
| Noninterest expense to average assets | 3.5245% | 900 |
| Loan and lease loss provision to assets | 0.0958% | 2,488 |
| Net operating income to assets | 0.8938% | 2,545 |
| Return on assets (ROA) | 0.7347% | 3,234 |
| Pretax return on assets | 0.8838% | 3,178 |
| Return on Equity (ROE) | 5.9824% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.9824% | 1,879 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2018% | 2,192 |
| Assets per employee ($millions) | 4.6724% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 400 |
| Loan loss allowance to noncurrent loans | 205.7971% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 849 |
| Noncurrent loans to loans | 1.0489% | 1,584 |
| Net loans and leases to total assets | 68.8782% | 2,412 |
| Net loans and leases to deposits | 81.3897% | 2,533 |
| Net loans and leases to core deposits | 89.1328% | 2,433 |
| Total domestic deposits to total assets | 84.6277% | 2,556 |
| Equity capital to assets | 12.4241% | 1,780 |
| Core capital (leverage) ratio | 11.2185% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,566,000 | 4,886 |
| Average earning assets | $34,501,000 | 4,871 |
| Average equity | $4,613,500 | 4,883 |
| Average total loans | $27,549,000 | 4,642 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0821% | 1,254 |
| Cost of funding earning assets | 0.8912% | 2,228 |
| Net interest margin | 4.1909% | 1,336 |
| Noninterest income to average assets | 0.4832% | 2,837 |
| Noninterest expense to average assets | 3.2940% | 1,310 |
| Loan and lease loss provision to assets | 0.1933% | 1,056 |
| Net operating income to assets | 0.6953% | 3,881 |
| Return on assets (ROA) | 0.6953% | 3,944 |
| Pretax return on assets | 0.8591% | 3,855 |
| Return on Equity (ROE) | 5.7761% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.2114% | 3,412 |
| Net charge-offs to loans | 0.0215% | 2,985 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 929 |
| Efficiency ratio | 71.7109% | 1,906 |
| Assets per employee ($millions) | 3.7753% | 4,179 |
| Cash dividends to net income (ytd only)* | 44.4015% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 509 |
| Loan loss allowance to noncurrent loans | 165.8754% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 670 |
| Noncurrent loans to loans | 1.1708% | 1,296 |
| Net loans and leases to total assets | 74.7623% | 1,623 |
| Net loans and leases to deposits | 92.7752% | 1,282 |
| Net loans and leases to core deposits | 101.9763% | 1,406 |
| Total domestic deposits to total assets | 80.5843% | 3,859 |
| Equity capital to assets | 12.1394% | 2,052 |
| Core capital (leverage) ratio | 11.3212% | 2,232 |
| Tier 1 risk-based capital ratio | 12.2896% | 4,191 |
| Total risk-based capital ratio | 13.5461% | 4,055 |
| Memoranda: | ||
| Average total assets | $37,249,800 | 4,934 |
| Average earning assets | $34,336,400 | 4,927 |
| Average equity | $4,484,000 | 4,946 |
| Average total loans | $27,931,400 | 4,684 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 1,294 |
| Cost of funding earning assets | 0.8833% | 2,306 |
| Net interest margin | 4.2102% | 1,356 |
| Noninterest income to average assets | 0.4813% | 2,843 |
| Noninterest expense to average assets | 3.2611% | 1,354 |
| Loan and lease loss provision to assets | 0.1939% | 914 |
| Net operating income to assets | 0.7506% | 3,847 |
| Return on assets (ROA) | 0.7506% | 3,910 |
| Pretax return on assets | 0.9122% | 3,836 |
| Return on Equity (ROE) | 6.2490% | 3,971 |
| Retained earnings to average equity (ytd only) | 2.8106% | 3,968 |
| Net charge-offs to loans | 0.0289% | 2,519 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 51.3325% | 1,171 |
| Efficiency ratio | 70.5592% | 2,045 |
| Assets per employee ($millions) | 3.7023% | 4,275 |
| Cash dividends to net income (ytd only)* | 55.0240% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 528 |
| Loan loss allowance to noncurrent loans | 147.8142% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 650 |
| Noncurrent loans to loans | 1.3066% | 1,183 |
| Net loans and leases to total assets | 74.1971% | 1,774 |
| Net loans and leases to deposits | 90.0331% | 1,690 |
| Net loans and leases to core deposits | 98.9268% | 1,751 |
| Total domestic deposits to total assets | 82.4109% | 3,354 |
| Equity capital to assets | 12.2221% | 2,099 |
| Core capital (leverage) ratio | 11.1752% | 2,489 |
| Tier 1 risk-based capital ratio | 12.5720% | 4,099 |
| Total risk-based capital ratio | 13.8286% | 3,970 |
| Memoranda: | ||
| Average total assets | $37,124,000 | 5,013 |
| Average earning assets | $34,265,000 | 5,000 |
| Average equity | $4,459,250 | 5,015 |
| Average total loans | $27,718,250 | 4,754 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 1,214 |
| Cost of funding earning assets | 0.8446% | 2,419 |
| Net interest margin | 4.2582% | 1,223 |
| Noninterest income to average assets | 0.4198% | 3,138 |
| Noninterest expense to average assets | 3.2295% | 1,445 |
| Loan and lease loss provision to assets | 0.1938% | 904 |
| Net operating income to assets | 0.7697% | 3,753 |
| Return on assets (ROA) | 0.7697% | 3,821 |
| Pretax return on assets | 0.9312% | 3,765 |
| Return on Equity (ROE) | 6.4453% | 3,894 |
| Retained earnings to average equity (ytd only) | 1.2620% | 4,361 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0865% | 2,210 |
| Assets per employee ($millions) | 3.6126% | 4,364 |
| Cash dividends to net income (ytd only)* | 80.4196% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 535 |
| Loan loss allowance to noncurrent loans | 105.1690% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.7743% | 573 |
| Noncurrent loans to loans | 1.8368% | 815 |
| Net loans and leases to total assets | 74.3370% | 1,835 |
| Net loans and leases to deposits | 87.1661% | 2,109 |
| Net loans and leases to core deposits | 94.8370% | 2,171 |
| Total domestic deposits to total assets | 85.2821% | 2,351 |
| Equity capital to assets | 12.3235% | 1,961 |
| Core capital (leverage) ratio | 10.8433% | 2,751 |
| Tier 1 risk-based capital ratio | 12.3773% | 4,195 |
| Total risk-based capital ratio | 13.6312% | 4,071 |
| Memoranda: | ||
| Average total assets | $37,157,670 | 5,049 |
| Average earning assets | $34,334,000 | 5,040 |
| Average equity | $4,437,330 | 5,050 |
| Average total loans | $27,620,670 | 4,792 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 1,162 |
| Cost of funding earning assets | 0.8051% | 2,509 |
| Net interest margin | 4.2671% | 1,156 |
| Noninterest income to average assets | 0.4566% | 2,816 |
| Noninterest expense to average assets | 3.0791% | 1,780 |
| Loan and lease loss provision to assets | 0.1911% | 847 |
| Net operating income to assets | 0.9025% | 3,225 |
| Return on assets (ROA) | 0.9025% | 3,274 |
| Pretax return on assets | 1.1255% | 3,067 |
| Return on Equity (ROE) | 7.6749% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.6749% | 1,781 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9420% | 2,946 |
| Assets per employee ($millions) | 4.6843% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 612 |
| Loan loss allowance to noncurrent loans | 266.1458% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 1,607 |
| Noncurrent loans to loans | 0.7056% | 2,262 |
| Net loans and leases to total assets | 71.2467% | 2,293 |
| Net loans and leases to deposits | 82.5751% | 2,555 |
| Net loans and leases to core deposits | 89.4709% | 2,559 |
| Total domestic deposits to total assets | 86.2812% | 2,146 |
| Equity capital to assets | 11.9603% | 2,039 |
| Core capital (leverage) ratio | 10.6578% | 2,887 |
| Tier 1 risk-based capital ratio | 12.7588% | 4,008 |
| Total risk-based capital ratio | 14.0153% | 3,901 |
| Memoranda: | ||
| Average total assets | $37,673,500 | 5,097 |
| Average earning assets | $34,777,500 | 5,087 |
| Average equity | $4,430,000 | 5,096 |
| Average total loans | $27,739,000 | 4,847 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 1,260 |
| Cost of funding earning assets | 0.7425% | 1,837 |
| Net interest margin | 4.1655% | 1,487 |
| Noninterest income to average assets | 0.6412% | 2,091 |
| Noninterest expense to average assets | 3.1389% | 1,703 |
| Loan and lease loss provision to assets | 0.1862% | 1,038 |
| Net operating income to assets | 0.8341% | 3,679 |
| Return on assets (ROA) | 0.8300% | 3,691 |
| Pretax return on assets | 1.0679% | 3,381 |
| Return on Equity (ROE) | 7.4350% | 3,682 |
| Retained earnings to average equity (ytd only) | 2.1078% | 4,316 |
| Net charge-offs to loans | 0.1213% | 1,522 |
| Credit loss provision to net charge-offs | 205.7143% | 1,401 |
| Earnings coverage of net charge-offs (x) | 13.9143% | 2,411 |
| Efficiency ratio | 67.4897% | 2,626 |
| Assets per employee ($millions) | 4.7341% | 2,827 |
| Cash dividends to net income (ytd only)* | 71.6511% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,095 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.3372% | 2,039 |
| Net loans and leases to deposits | 85.3041% | 2,374 |
| Net loans and leases to core deposits | 92.3709% | 2,380 |
| Total domestic deposits to total assets | 85.9715% | 2,247 |
| Equity capital to assets | 11.5597% | 2,212 |
| Core capital (leverage) ratio | 10.3707% | 3,174 |
| Tier 1 risk-based capital ratio | 11.8980% | 4,497 |
| Total risk-based capital ratio | 13.1499% | 4,381 |
| Memoranda: | ||
| Average total assets | $38,675,600 | 5,119 |
| Average earning assets | $34,881,800 | 5,115 |
| Average equity | $4,317,400 | 5,136 |
| Average total loans | $28,843,000 | 4,845 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 1,185 |
| Cost of funding earning assets | 0.7186% | 1,755 |
| Net interest margin | 4.1704% | 1,443 |
| Noninterest income to average assets | 0.6825% | 1,919 |
| Noninterest expense to average assets | 3.0935% | 1,780 |
| Loan and lease loss provision to assets | 0.1852% | 980 |
| Net operating income to assets | 0.9315% | 3,386 |
| Return on assets (ROA) | 0.9260% | 3,413 |
| Pretax return on assets | 1.1386% | 3,251 |
| Return on Equity (ROE) | 8.3675% | 3,395 |
| Retained earnings to average equity (ytd only) | 1.2396% | 4,795 |
| Net charge-offs to loans | 0.1610% | 1,026 |
| Credit loss provision to net charge-offs | 154.2857% | 1,666 |
| Earnings coverage of net charge-offs (x) | 11.0846% | 2,542 |
| Efficiency ratio | 66.0465% | 2,864 |
| Assets per employee ($millions) | 4.1877% | 3,590 |
| Cash dividends to net income (ytd only)* | 85.1857% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,204 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 72.3845% | 2,274 |
| Net loans and leases to deposits | 83.6995% | 2,634 |
| Net loans and leases to core deposits | 90.6225% | 2,603 |
| Total domestic deposits to total assets | 86.4815% | 1,978 |
| Equity capital to assets | 11.4357% | 2,311 |
| Core capital (leverage) ratio | 10.0693% | 3,559 |
| Tier 1 risk-based capital ratio | 12.0266% | 4,492 |
| Total risk-based capital ratio | 13.2805% | 4,369 |
| Memoranda: | ||
| Average total assets | $38,876,250 | 5,177 |
| Average earning assets | $34,880,250 | 5,177 |
| Average equity | $4,302,250 | 5,204 |
| Average total loans | $28,986,750 | 4,899 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 1,127 |
| Cost of funding earning assets | 0.6830% | 1,722 |
| Net interest margin | 4.1663% | 1,361 |
| Noninterest income to average assets | 0.6977% | 1,880 |
| Noninterest expense to average assets | 3.1575% | 1,641 |
| Loan and lease loss provision to assets | 0.1833% | 975 |
| Net operating income to assets | 0.8843% | 3,531 |
| Return on assets (ROA) | 0.8759% | 3,560 |
| Pretax return on assets | 1.0746% | 3,415 |
| Return on Equity (ROE) | 8.0006% | 3,507 |
| Retained earnings to average equity (ytd only) | 2.6514% | 4,193 |
| Net charge-offs to loans | 0.1089% | 1,285 |
| Credit loss provision to net charge-offs | 225.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 15.5625% | 2,036 |
| Efficiency ratio | 67.5489% | 2,717 |
| Assets per employee ($millions) | 4.3354% | 3,375 |
| Cash dividends to net income (ytd only)* | 66.8605% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 3,100 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.3990% | 2,521 |
| Net loans and leases to deposits | 80.8578% | 2,866 |
| Net loans and leases to core deposits | 87.2503% | 2,797 |
| Total domestic deposits to total assets | 87.0653% | 1,813 |
| Equity capital to assets | 11.1125% | 2,533 |
| Core capital (leverage) ratio | 9.7038% | 3,880 |
| Tier 1 risk-based capital ratio | 11.9724% | 4,519 |
| Total risk-based capital ratio | 13.2263% | 4,391 |
| Memoranda: | ||
| Average total assets | $39,272,000 | 5,229 |
| Average earning assets | $35,139,330 | 5,231 |
| Average equity | $4,299,670 | 5,261 |
| Average total loans | $29,397,000 | 4,936 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 970 |
| Cost of funding earning assets | 0.7160% | 1,363 |
| Net interest margin | 4.1370% | 1,344 |
| Noninterest income to average assets | 0.5889% | 2,321 |
| Noninterest expense to average assets | 3.0966% | 1,837 |
| Loan and lease loss provision to assets | 0.1827% | 934 |
| Net operating income to assets | 0.8156% | 3,645 |
| Return on assets (ROA) | 0.8731% | 3,421 |
| Pretax return on assets | 1.0762% | 3,258 |
| Return on Equity (ROE) | 8.0346% | 3,349 |
| Retained earnings to average equity (ytd only) | -2.7093% | 5,061 |
| Net charge-offs to loans | 0.2125% | 702 |
| Credit loss provision to net charge-offs | 112.5000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 7.3125% | 2,098 |
| Efficiency ratio | 68.4834% | 2,753 |
| Assets per employee ($millions) | 4.3333% | 3,425 |
| Cash dividends to net income (ytd only)* | 133.7209% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 3,197 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 74.8564% | 1,734 |
| Net loans and leases to deposits | 85.9329% | 2,174 |
| Net loans and leases to core deposits | 92.7265% | 2,241 |
| Total domestic deposits to total assets | 87.1103% | 2,078 |
| Equity capital to assets | 10.9205% | 2,660 |
| Core capital (leverage) ratio | 9.5099% | 4,058 |
| Tier 1 risk-based capital ratio | 11.3190% | 4,968 |
| Total risk-based capital ratio | 12.5711% | 4,859 |
| Memoranda: | ||
| Average total assets | $39,398,500 | 5,283 |
| Average earning assets | $35,195,000 | 5,288 |
| Average equity | $4,281,500 | 5,318 |
| Average total loans | $30,123,000 | 4,973 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 1,099 |
| Cost of funding earning assets | 0.4836% | 2,471 |
| Net interest margin | 4.2563% | 1,067 |
| Noninterest income to average assets | 0.3109% | 4,235 |
| Noninterest expense to average assets | 3.0241% | 2,090 |
| Loan and lease loss provision to assets | 0.2903% | 601 |
| Net operating income to assets | 0.6896% | 3,643 |
| Return on assets (ROA) | 0.7451% | 3,448 |
| Pretax return on assets | 0.9327% | 3,796 |
| Return on Equity (ROE) | 6.9715% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.9715% | 1,085 |
| Net charge-offs to loans | 0.0576% | 2,656 |
| Credit loss provision to net charge-offs | 664.7059% | 492 |
| Earnings coverage of net charge-offs (x) | 26.4118% | 1,679 |
| Efficiency ratio | 68.3272% | 2,830 |
| Assets per employee ($millions) | 4.4219% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 3,261 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 75.7293% | 1,647 |
| Net loans and leases to deposits | 96.5374% | 1,035 |
| Net loans and leases to core deposits | 104.8971% | 1,348 |
| Total domestic deposits to total assets | 78.4456% | 4,647 |
| Equity capital to assets | 10.8149% | 2,824 |
| Core capital (leverage) ratio | 9.7887% | 3,710 |
| Tier 1 risk-based capital ratio | 11.0316% | 5,127 |
| Total risk-based capital ratio | 12.2826% | 5,011 |
| Memoranda: | ||
| Average total assets | $38,920,800 | 5,344 |
| Average earning assets | $35,359,600 | 5,342 |
| Average equity | $4,159,800 | 5,402 |
| Average total loans | $29,521,800 | 5,040 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,161 |
| Cost of funding earning assets | 0.4755% | 2,472 |
| Net interest margin | 4.2153% | 1,121 |
| Noninterest income to average assets | 0.2687% | 4,584 |
| Noninterest expense to average assets | 2.9559% | 2,229 |
| Loan and lease loss provision to assets | 0.2859% | 565 |
| Net operating income to assets | 0.6289% | 4,277 |
| Return on assets (ROA) | 0.6959% | 4,070 |
| Pretax return on assets | 0.9681% | 3,807 |
| Return on Equity (ROE) | 6.5312% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.5312% | 1,949 |
| Net charge-offs to loans | 0.0775% | 2,032 |
| Credit loss provision to net charge-offs | 488.2353% | 659 |
| Earnings coverage of net charge-offs (x) | 19.8200% | 1,983 |
| Efficiency ratio | 67.6151% | 2,945 |
| Assets per employee ($millions) | 4.4624% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 3,443 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 75.6312% | 1,652 |
| Net loans and leases to deposits | 101.2095% | 663 |
| Net loans and leases to core deposits | 110.4064% | 1,001 |
| Total domestic deposits to total assets | 74.7274% | 5,162 |
| Equity capital to assets | 10.5473% | 3,319 |
| Core capital (leverage) ratio | 9.5035% | 4,164 |
| Tier 1 risk-based capital ratio | 10.9600% | 5,268 |
| Total risk-based capital ratio | 12.2080% | 5,161 |
| Memoranda: | ||
| Average total assets | $38,701,750 | 5,408 |
| Average earning assets | $35,331,000 | 5,403 |
| Average equity | $4,123,750 | 5,466 |
| Average total loans | $29,253,750 | 5,098 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 1,227 |
| Cost of funding earning assets | 0.4055% | 3,018 |
| Net interest margin | 4.2090% | 1,062 |
| Noninterest income to average assets | 0.1675% | 5,224 |
| Noninterest expense to average assets | 2.9779% | 2,176 |
| Loan and lease loss provision to assets | 0.2774% | 574 |
| Net operating income to assets | 0.5111% | 4,678 |
| Return on assets (ROA) | 0.5077% | 4,720 |
| Pretax return on assets | 0.7641% | 4,393 |
| Return on Equity (ROE) | 4.7475% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.7475% | 2,886 |
| Net charge-offs to loans | 0.1183% | 1,457 |
| Credit loss provision to net charge-offs | 311.7647% | 937 |
| Earnings coverage of net charge-offs (x) | 11.7647% | 2,245 |
| Efficiency ratio | 69.7009% | 2,720 |
| Assets per employee ($millions) | 4.2653% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,119 |
| Loan loss allowance to noncurrent loans | 1,277.4194% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 3,107 |
| Noncurrent loans to loans | 0.1065% | 4,701 |
| Net loans and leases to total assets | 74.8203% | 1,729 |
| Net loans and leases to deposits | 95.1721% | 1,165 |
| Net loans and leases to core deposits | 103.7307% | 1,376 |
| Total domestic deposits to total assets | 78.6157% | 4,705 |
| Equity capital to assets | 10.7586% | 3,071 |
| Core capital (leverage) ratio | 9.3874% | 4,244 |
| Tier 1 risk-based capital ratio | 10.8935% | 5,311 |
| Total risk-based capital ratio | 12.1228% | 5,235 |
| Memoranda: | ||
| Average total assets | $38,215,000 | 5,457 |
| Average earning assets | $35,020,000 | 5,454 |
| Average equity | $4,086,330 | 5,514 |
| Average total loans | $28,738,000 | 5,149 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,258 |
| Cost of funding earning assets | 0.3429% | 3,600 |
| Net interest margin | 4.2066% | 974 |
| Noninterest income to average assets | 0.8602% | 1,365 |
| Noninterest expense to average assets | 3.1263% | 1,798 |
| Loan and lease loss provision to assets | 0.2413% | 638 |
| Net operating income to assets | 0.9727% | 2,426 |
| Return on assets (ROA) | 0.9652% | 2,512 |
| Pretax return on assets | 1.3428% | 2,084 |
| Return on Equity (ROE) | 9.0540% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.0540% | 1,058 |
| Net charge-offs to loans | 0.2382% | 749 |
| Credit loss provision to net charge-offs | 135.2941% | 1,288 |
| Earnings coverage of net charge-offs (x) | 8.9412% | 2,025 |
| Efficiency ratio | 62.4444% | 4,084 |
| Assets per employee ($millions) | 4.6514% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,438 |
| Loan loss allowance to noncurrent loans | 171.8310% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 2,344 |
| Noncurrent loans to loans | 0.7682% | 2,552 |
| Net loans and leases to total assets | 73.5293% | 1,816 |
| Net loans and leases to deposits | 85.7981% | 2,052 |
| Net loans and leases to core deposits | 93.0646% | 2,061 |
| Total domestic deposits to total assets | 85.7005% | 2,796 |
| Equity capital to assets | 11.0612% | 2,570 |
| Core capital (leverage) ratio | 9.2912% | 4,358 |
| Tier 1 risk-based capital ratio | 11.0987% | 5,259 |
| Total risk-based capital ratio | 12.2624% | 5,210 |
| Memoranda: | ||
| Average total assets | $38,128,500 | 5,522 |
| Average earning assets | $34,992,500 | 5,518 |
| Average equity | $4,064,500 | 5,574 |
| Average total loans | $28,548,000 | 5,204 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 1,748 |
| Cost of funding earning assets | 0.3314% | 3,728 |
| Net interest margin | 4.0979% | 1,381 |
| Noninterest income to average assets | 0.4972% | 3,258 |
| Noninterest expense to average assets | 2.7590% | 3,160 |
| Loan and lease loss provision to assets | 0.5410% | 250 |
| Net operating income to assets | 0.7340% | 3,625 |
| Return on assets (ROA) | 0.7162% | 3,825 |
| Pretax return on assets | 0.9325% | 3,723 |
| Return on Equity (ROE) | 6.8544% | 3,544 |
| Retained earnings to average equity (ytd only) | 2.1697% | 4,298 |
| Net charge-offs to loans | 0.7433% | 283 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.7667% | 3,775 |
| Efficiency ratio | 60.8354% | 4,447 |
| Assets per employee ($millions) | 4.8808% | 2,529 |
| Cash dividends to net income (ytd only)* | 68.3453% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,943 |
| Loan loss allowance to noncurrent loans | 171.0900% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 2,514 |
| Noncurrent loans to loans | 0.7184% | 2,740 |
| Net loans and leases to total assets | 74.2919% | 1,794 |
| Net loans and leases to deposits | 91.7452% | 1,486 |
| Net loans and leases to core deposits | 99.5880% | 1,652 |
| Total domestic deposits to total assets | 80.9763% | 4,338 |
| Equity capital to assets | 10.2776% | 3,414 |
| Core capital (leverage) ratio | 9.1373% | 4,571 |
| Tier 1 risk-based capital ratio | 10.3269% | 5,653 |
| Total risk-based capital ratio | 11.4116% | 5,645 |
| Memoranda: | ||
| Average total assets | $38,818,400 | 5,565 |
| Average earning assets | $35,603,400 | 5,550 |
| Average equity | $4,055,800 | 5,633 |
| Average total loans | $28,252,800 | 5,259 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,804 |
| Cost of funding earning assets | 0.3187% | 3,883 |
| Net interest margin | 4.0987% | 1,390 |
| Noninterest income to average assets | 0.4953% | 3,284 |
| Noninterest expense to average assets | 2.7621% | 3,132 |
| Loan and lease loss provision to assets | 0.0791% | 2,636 |
| Net operating income to assets | 1.0727% | 2,104 |
| Return on assets (ROA) | 1.0491% | 2,332 |
| Pretax return on assets | 1.3828% | 2,115 |
| Return on Equity (ROE) | 10.0002% | 2,049 |
| Retained earnings to average equity (ytd only) | 7.5411% | 1,383 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8731% | 4,415 |
| Assets per employee ($millions) | 4.8993% | 2,494 |
| Cash dividends to net income (ytd only)* | 24.5906% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,635 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.4397% | 2,124 |
| Net loans and leases to deposits | 92.1220% | 1,476 |
| Net loans and leases to core deposits | 100.2188% | 1,614 |
| Total domestic deposits to total assets | 78.6345% | 4,801 |
| Equity capital to assets | 10.7083% | 3,347 |
| Core capital (leverage) ratio | 9.4566% | 4,241 |
| Tier 1 risk-based capital ratio | 11.1146% | 5,304 |
| Total risk-based capital ratio | 12.3073% | 5,248 |
| Memoranda: | ||
| Average total assets | $38,761,500 | 5,618 |
| Average earning assets | $35,554,750 | 5,611 |
| Average equity | $4,066,500 | 5,691 |
| Average total loans | $27,973,750 | 5,320 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 1,987 |
| Cost of funding earning assets | 0.3042% | 4,077 |
| Net interest margin | 4.0451% | 1,512 |
| Noninterest income to average assets | 0.4454% | 3,555 |
| Noninterest expense to average assets | 2.8019% | 3,023 |
| Loan and lease loss provision to assets | 0.0777% | 2,591 |
| Net operating income to assets | 0.9564% | 2,597 |
| Return on assets (ROA) | 0.9219% | 2,896 |
| Pretax return on assets | 1.2378% | 2,641 |
| Return on Equity (ROE) | 8.8491% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.1206% | 2,650 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1841% | 4,159 |
| Assets per employee ($millions) | 4.7691% | 2,605 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 2,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 4,670 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 71.7558% | 2,213 |
| Net loans and leases to deposits | 88.1679% | 1,975 |
| Net loans and leases to core deposits | 92.6432% | 2,293 |
| Total domestic deposits to total assets | 81.3855% | 4,166 |
| Equity capital to assets | 10.6859% | 3,420 |
| Core capital (leverage) ratio | 9.0394% | 4,780 |
| Tier 1 risk-based capital ratio | 11.0528% | 5,400 |
| Total risk-based capital ratio | 12.2605% | 5,340 |
| Memoranda: | ||
| Average total assets | $38,617,330 | 5,683 |
| Average earning assets | $35,499,670 | 5,678 |
| Average equity | $4,023,000 | 5,761 |
| Average total loans | $27,706,670 | 5,384 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 2,139 |
| Cost of funding earning assets | 0.2695% | 4,506 |
| Net interest margin | 4.0309% | 1,528 |
| Noninterest income to average assets | 0.5045% | 3,087 |
| Noninterest expense to average assets | 2.8623% | 2,839 |
| Loan and lease loss provision to assets | 0.0824% | 2,308 |
| Net operating income to assets | 0.9222% | 2,636 |
| Return on assets (ROA) | 0.8546% | 3,097 |
| Pretax return on assets | 1.1635% | 2,839 |
| Return on Equity (ROE) | 8.3083% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.3083% | 1,339 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9706% | 4,129 |
| Assets per employee ($millions) | 4.7653% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 2,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,743 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.7597% | 2,226 |
| Net loans and leases to deposits | 87.9037% | 1,839 |
| Net loans and leases to core deposits | 89.3597% | 2,434 |
| Total domestic deposits to total assets | 80.4968% | 4,634 |
| Equity capital to assets | 10.6159% | 3,348 |
| Core capital (leverage) ratio | 9.0096% | 4,843 |
| Tier 1 risk-based capital ratio | 11.0069% | 5,498 |
| Total risk-based capital ratio | 12.1972% | 5,440 |
| Memoranda: | ||
| Average total assets | $38,849,500 | 5,735 |
| Average earning assets | $35,624,500 | 5,728 |
| Average equity | $3,996,000 | 5,815 |
| Average total loans | $27,684,000 | 5,425 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,412 |
| Cost of funding earning assets | 0.2415% | 4,872 |
| Net interest margin | 3.7324% | 2,633 |
| Noninterest income to average assets | 0.3861% | 4,148 |
| Noninterest expense to average assets | 2.6480% | 3,762 |
| Loan and lease loss provision to assets | 0.3965% | 347 |
| Net operating income to assets | 0.5761% | 4,397 |
| Return on assets (ROA) | 0.5844% | 4,453 |
| Pretax return on assets | 0.7383% | 4,406 |
| Return on Equity (ROE) | 5.7533% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.7996% | 4,075 |
| Net charge-offs to loans | 0.0118% | 4,069 |
| Credit loss provision to net charge-offs | 5,066.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 143.6667% | 436 |
| Efficiency ratio | 65.6293% | 3,964 |
| Assets per employee ($millions) | 5.6539% | 1,652 |
| Cash dividends to net income (ytd only)* | 51.3393% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 4,807 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.9017% | 2,375 |
| Net loans and leases to deposits | 92.0081% | 1,400 |
| Net loans and leases to core deposits | 93.5640% | 2,085 |
| Total domestic deposits to total assets | 75.9734% | 5,444 |
| Equity capital to assets | 9.9679% | 3,998 |
| Core capital (leverage) ratio | 8.8732% | 5,034 |
| Tier 1 risk-based capital ratio | 10.7814% | 5,636 |
| Total risk-based capital ratio | 11.9314% | 5,603 |
| Memoranda: | ||
| Average total assets | $38,331,400 | 5,799 |
| Average earning assets | $34,776,400 | 5,791 |
| Average equity | $3,893,400 | 5,871 |
| Average total loans | $25,454,000 | 5,536 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,295 |
| Cost of funding earning assets | 0.2403% | 4,993 |
| Net interest margin | 3.7706% | 2,490 |
| Noninterest income to average assets | 0.4243% | 3,905 |
| Noninterest expense to average assets | 2.7739% | 3,291 |
| Loan and lease loss provision to assets | 0.5120% | 200 |
| Net operating income to assets | 0.4347% | 5,030 |
| Return on assets (ROA) | 0.4208% | 5,171 |
| Pretax return on assets | 0.5331% | 5,140 |
| Return on Equity (ROE) | 4.1232% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.1232% | 3,536 |
| Net charge-offs to loans | 0.0161% | 3,630 |
| Credit loss provision to net charge-offs | 4,866.6667% | 81 |
| Earnings coverage of net charge-offs (x) | 100.9975% | 623 |
| Efficiency ratio | 67.7331% | 3,596 |
| Assets per employee ($millions) | 5.6294% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,848 |
| Loan loss allowance to noncurrent loans | 69.4118% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6292% | 1,355 |
| Noncurrent loans to loans | 1.9457% | 1,193 |
| Net loans and leases to total assets | 65.6194% | 3,073 |
| Net loans and leases to deposits | 87.1373% | 2,008 |
| Net loans and leases to core deposits | 88.6307% | 2,594 |
| Total domestic deposits to total assets | 75.3058% | 5,595 |
| Equity capital to assets | 10.0340% | 4,115 |
| Core capital (leverage) ratio | 8.9316% | 5,080 |
| Tier 1 risk-based capital ratio | 10.8912% | 5,710 |
| Total risk-based capital ratio | 12.0322% | 5,694 |
| Memoranda: | ||
| Average total assets | $38,020,000 | 5,880 |
| Average earning assets | $34,405,250 | 5,883 |
| Average equity | $3,880,500 | 5,951 |
| Average total loans | $24,811,250 | 5,628 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 2,547 |
| Cost of funding earning assets | 0.2594% | 4,839 |
| Net interest margin | 3.9387% | 1,862 |
| Noninterest income to average assets | 0.3035% | 4,781 |
| Noninterest expense to average assets | 2.8330% | 3,124 |
| Loan and lease loss provision to assets | 0.7455% | 112 |
| Net operating income to assets | 0.2556% | 5,564 |
| Return on assets (ROA) | 0.2556% | 5,646 |
| Pretax return on assets | 0.2822% | 5,688 |
| Return on Equity (ROE) | 2.4896% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.4896% | 4,468 |
| Net charge-offs to loans | 0.0246% | 3,183 |
| Credit loss provision to net charge-offs | 4,666.6667% | 94 |
| Earnings coverage of net charge-offs (x) | 64.3333% | 803 |
| Efficiency ratio | 68.8276% | 3,523 |
| Assets per employee ($millions) | 4.6860% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 2,735 |
| Loan loss allowance to noncurrent loans | 52.6475% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.1153% | 1,014 |
| Noncurrent loans to loans | 2.6674% | 816 |
| Net loans and leases to total assets | 65.1755% | 3,093 |
| Net loans and leases to deposits | 77.6612% | 3,073 |
| Net loans and leases to core deposits | 78.9154% | 3,491 |
| Total domestic deposits to total assets | 83.9229% | 3,602 |
| Equity capital to assets | 10.2753% | 3,715 |
| Core capital (leverage) ratio | 8.7160% | 5,301 |
| Tier 1 risk-based capital ratio | 11.2325% | 5,606 |
| Total risk-based capital ratio | 12.4166% | 5,555 |
| Memoranda: | ||
| Average total assets | $37,558,000 | 5,954 |
| Average earning assets | $33,920,000 | 5,956 |
| Average equity | $3,856,000 | 6,014 |
| Average total loans | $24,344,330 | 5,697 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,499 |
| Cost of funding earning assets | 0.2611% | 4,893 |
| Net interest margin | 3.9291% | 1,792 |
| Noninterest income to average assets | 0.4256% | 3,799 |
| Noninterest expense to average assets | 2.8622% | 3,028 |
| Loan and lease loss provision to assets | 0.1596% | 1,270 |
| Net operating income to assets | 0.6384% | 4,095 |
| Return on assets (ROA) | 0.6384% | 4,217 |
| Pretax return on assets | 0.9257% | 3,796 |
| Return on Equity (ROE) | 6.2208% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.2208% | 2,367 |
| Net charge-offs to loans | 0.0497% | 2,291 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,069 |
| Efficiency ratio | 67.9245% | 3,837 |
| Assets per employee ($millions) | 5.7604% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 5,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 4,657 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.6949% | 3,562 |
| Net loans and leases to deposits | 67.5928% | 3,995 |
| Net loans and leases to core deposits | 68.5393% | 4,281 |
| Total domestic deposits to total assets | 89.7949% | 850 |
| Equity capital to assets | 9.6545% | 4,572 |
| Core capital (leverage) ratio | 8.7727% | 5,235 |
| Tier 1 risk-based capital ratio | 10.9644% | 5,822 |
| Total risk-based capital ratio | 11.7040% | 5,979 |
| Memoranda: | ||
| Average total assets | $37,593,000 | 6,012 |
| Average earning assets | $33,697,500 | 6,019 |
| Average equity | $3,858,000 | 6,072 |
| Average total loans | $24,126,000 | 5,743 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 3,391 |
| Cost of funding earning assets | 0.2992% | 4,807 |
| Net interest margin | 3.7832% | 2,683 |
| Noninterest income to average assets | 0.5605% | 3,122 |
| Noninterest expense to average assets | 2.7159% | 3,809 |
| Loan and lease loss provision to assets | 0.2733% | 789 |
| Net operating income to assets | 0.6717% | 4,024 |
| Return on assets (ROA) | 0.6776% | 4,115 |
| Pretax return on assets | 0.9648% | 3,628 |
| Return on Equity (ROE) | 6.3629% | 3,969 |
| Retained earnings to average equity (ytd only) | 0.4190% | 5,588 |
| Net charge-offs to loans | 0.3279% | 1,344 |
| Credit loss provision to net charge-offs | 132.4324% | 1,800 |
| Earnings coverage of net charge-offs (x) | 5.9595% | 3,309 |
| Efficiency ratio | 64.1696% | 4,565 |
| Assets per employee ($millions) | 4.3579% | 3,256 |
| Cash dividends to net income (ytd only)* | 93.4156% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 5,489 |
| Loan loss allowance to noncurrent loans | 293.0556% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 4,383 |
| Noncurrent loans to loans | 0.3057% | 4,752 |
| Net loans and leases to total assets | 66.9592% | 2,737 |
| Net loans and leases to deposits | 78.3461% | 2,931 |
| Net loans and leases to core deposits | 79.6832% | 3,328 |
| Total domestic deposits to total assets | 85.4660% | 3,095 |
| Equity capital to assets | 10.9658% | 2,928 |
| Core capital (leverage) ratio | 8.7340% | 5,317 |
| Tier 1 risk-based capital ratio | 10.5535% | 6,077 |
| Total risk-based capital ratio | 11.2955% | 6,197 |
| Memoranda: | ||
| Average total assets | $35,863,200 | 6,135 |
| Average earning assets | $32,089,000 | 6,140 |
| Average equity | $3,819,000 | 6,125 |
| Average total loans | $22,568,600 | 5,871 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,639 |
| Cost of funding earning assets | 0.3009% | 4,880 |
| Net interest margin | 3.7300% | 2,904 |
| Noninterest income to average assets | 0.5870% | 2,950 |
| Noninterest expense to average assets | 2.6767% | 3,910 |
| Loan and lease loss provision to assets | 0.3064% | 630 |
| Net operating income to assets | 0.6884% | 4,002 |
| Return on assets (ROA) | 0.6830% | 4,115 |
| Pretax return on assets | 0.9378% | 3,831 |
| Return on Equity (ROE) | 6.4605% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.8413% | 3,916 |
| Net charge-offs to loans | 0.4420% | 889 |
| Credit loss provision to net charge-offs | 112.1622% | 2,017 |
| Earnings coverage of net charge-offs (x) | 4.5813% | 3,420 |
| Efficiency ratio | 63.4398% | 4,641 |
| Assets per employee ($millions) | 4.3460% | 3,216 |
| Cash dividends to net income (ytd only)* | 40.5416% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,544 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 4,707 |
| Noncurrent loans to loans | 0.2956% | 5,021 |
| Net loans and leases to total assets | 60.7455% | 3,666 |
| Net loans and leases to deposits | 68.9565% | 4,024 |
| Net loans and leases to core deposits | 70.1009% | 4,310 |
| Total domestic deposits to total assets | 88.0925% | 1,713 |
| Equity capital to assets | 11.2287% | 2,726 |
| Core capital (leverage) ratio | 8.7214% | 5,412 |
| Tier 1 risk-based capital ratio | 11.7335% | 5,655 |
| Total risk-based capital ratio | 12.4805% | 5,849 |
| Memoranda: | ||
| Average total assets | $36,113,250 | 6,197 |
| Average earning assets | $32,350,000 | 6,210 |
| Average equity | $3,818,000 | 6,195 |
| Average total loans | $22,322,000 | 5,938 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 3,840 |
| Cost of funding earning assets | 0.3077% | 4,897 |
| Net interest margin | 3.6675% | 3,079 |
| Noninterest income to average assets | 0.3665% | 4,503 |
| Noninterest expense to average assets | 2.6312% | 4,129 |
| Loan and lease loss provision to assets | 0.1477% | 1,673 |
| Net operating income to assets | 0.6429% | 4,135 |
| Return on assets (ROA) | 0.6345% | 4,285 |
| Pretax return on assets | 0.8369% | 4,133 |
| Return on Equity (ROE) | 6.1225% | 4,091 |
| Retained earnings to average equity (ytd only) | 2.1640% | 4,810 |
| Net charge-offs to loans | 0.2472% | 1,572 |
| Credit loss provision to net charge-offs | 96.4286% | 2,073 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,760 |
| Efficiency ratio | 67.5716% | 4,091 |
| Assets per employee ($millions) | 4.6284% | 2,729 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 5,870 |
| Loan loss allowance to noncurrent loans | 79.1489% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 3,901 |
| Noncurrent loans to loans | 1.0759% | 3,078 |
| Net loans and leases to total assets | 58.4898% | 3,922 |
| Net loans and leases to deposits | 65.7428% | 4,293 |
| Net loans and leases to core deposits | 66.7561% | 4,573 |
| Total domestic deposits to total assets | 88.9675% | 1,374 |
| Equity capital to assets | 10.3519% | 3,620 |
| Core capital (leverage) ratio | 8.4911% | 5,641 |
| Tier 1 risk-based capital ratio | 11.2638% | 5,930 |
| Total risk-based capital ratio | 11.9640% | 6,120 |
| Memoranda: | ||
| Average total assets | $36,561,670 | 6,250 |
| Average earning assets | $32,501,330 | 6,269 |
| Average equity | $3,789,330 | 6,246 |
| Average total loans | $22,657,330 | 5,971 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 3,363 |
| Cost of funding earning assets | 0.3090% | 4,977 |
| Net interest margin | 3.7703% | 2,594 |
| Noninterest income to average assets | 0.3744% | 4,391 |
| Noninterest expense to average assets | 2.8297% | 3,455 |
| Loan and lease loss provision to assets | 0.1321% | 1,837 |
| Net operating income to assets | 0.4514% | 4,924 |
| Return on assets (ROA) | 0.4514% | 4,997 |
| Pretax return on assets | 0.7707% | 4,222 |
| Return on Equity (ROE) | 4.3530% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.3530% | 3,515 |
| Net charge-offs to loans | 0.5723% | 644 |
| Credit loss provision to net charge-offs | 36.3636% | 2,338 |
| Earnings coverage of net charge-offs (x) | 2.4848% | 2,871 |
| Efficiency ratio | 70.7965% | 3,684 |
| Assets per employee ($millions) | 4.6228% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 6,161 |
| Loan loss allowance to noncurrent loans | 73.7778% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 4,114 |
| Noncurrent loans to loans | 1.0395% | 3,344 |
| Net loans and leases to total assets | 58.0769% | 3,829 |
| Net loans and leases to deposits | 65.2529% | 4,174 |
| Net loans and leases to core deposits | 66.2594% | 4,469 |
| Total domestic deposits to total assets | 89.0028% | 1,662 |
| Equity capital to assets | 10.2942% | 3,481 |
| Core capital (leverage) ratio | 8.5074% | 5,630 |
| Tier 1 risk-based capital ratio | 11.4593% | 5,939 |
| Total risk-based capital ratio | 12.0982% | 6,170 |
| Memoranda: | ||
| Average total assets | $36,329,000 | 6,319 |
| Average earning assets | $32,358,000 | 6,331 |
| Average equity | $3,767,500 | 6,294 |
| Average total loans | $23,064,500 | 6,018 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,914 |
| Cost of funding earning assets | 0.3664% | 4,991 |
| Net interest margin | 3.9456% | 2,117 |
| Noninterest income to average assets | 0.5915% | 3,139 |
| Noninterest expense to average assets | 3.0452% | 2,912 |
| Loan and lease loss provision to assets | 0.0724% | 3,665 |
| Net operating income to assets | 0.7637% | 3,479 |
| Return on assets (ROA) | 0.9567% | 2,604 |
| Pretax return on assets | 1.2314% | 2,450 |
| Return on Equity (ROE) | 8.5482% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.5033% | 2,973 |
| Net charge-offs to loans | 0.0047% | 5,387 |
| Credit loss provision to net charge-offs | 2,400.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 123 |
| Efficiency ratio | 69.3893% | 3,940 |
| Assets per employee ($millions) | 4.4595% | 2,971 |
| Cash dividends to net income (ytd only)* | 47.3186% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 6,245 |
| Loan loss allowance to noncurrent loans | 550.0000% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 4,486 |
| Noncurrent loans to loans | 0.1389% | 5,788 |
| Net loans and leases to total assets | 68.1074% | 2,340 |
| Net loans and leases to deposits | 96.2030% | 715 |
| Net loans and leases to core deposits | 99.2890% | 1,211 |
| Total domestic deposits to total assets | 70.7955% | 6,486 |
| Equity capital to assets | 10.4496% | 3,222 |
| Core capital (leverage) ratio | 9.3925% | 4,422 |
| Tier 1 risk-based capital ratio | 10.3404% | 6,419 |
| Total risk-based capital ratio | 11.0029% | 6,538 |
| Memoranda: | ||
| Average total assets | $33,134,000 | 6,455 |
| Average earning assets | $29,475,800 | 6,456 |
| Average equity | $3,708,400 | 6,392 |
| Average total loans | $21,254,800 | 6,138 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,786 |
| Cost of funding earning assets | 0.3828% | 4,966 |
| Net interest margin | 3.9669% | 2,054 |
| Noninterest income to average assets | 0.6646% | 2,801 |
| Noninterest expense to average assets | 3.0934% | 2,677 |
| Loan and lease loss provision to assets | 0.0738% | 3,578 |
| Net operating income to assets | 0.7910% | 3,393 |
| Return on assets (ROA) | 0.9395% | 2,752 |
| Pretax return on assets | 1.2185% | 2,624 |
| Return on Equity (ROE) | 8.2444% | 3,003 |
| Retained earnings to average equity (ytd only) | 5.5442% | 2,701 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8845% | 3,938 |
| Assets per employee ($millions) | 4.6224% | 2,679 |
| Cash dividends to net income (ytd only)* | 32.7514% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,173 |
| Loan loss allowance to noncurrent loans | 101.6667% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 4,571 |
| Noncurrent loans to loans | 0.8406% | 4,153 |
| Net loans and leases to total assets | 65.6149% | 2,703 |
| Net loans and leases to deposits | 83.3046% | 1,964 |
| Net loans and leases to core deposits | 85.9798% | 2,410 |
| Total domestic deposits to total assets | 78.7650% | 5,793 |
| Equity capital to assets | 11.5987% | 2,224 |
| Core capital (leverage) ratio | 9.4630% | 4,459 |
| Tier 1 risk-based capital ratio | 11.3342% | 6,137 |
| Total risk-based capital ratio | 12.0519% | 6,327 |
| Memoranda: | ||
| Average total assets | $32,498,500 | 6,551 |
| Average earning assets | $28,905,000 | 6,542 |
| Average equity | $3,703,500 | 6,467 |
| Average total loans | $20,447,250 | 6,241 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 3,018 |
| Cost of funding earning assets | 0.4015% | 4,928 |
| Net interest margin | 3.8834% | 2,260 |
| Noninterest income to average assets | 0.7497% | 2,415 |
| Noninterest expense to average assets | 3.0665% | 2,775 |
| Loan and lease loss provision to assets | 0.0737% | 3,565 |
| Net operating income to assets | 0.8411% | 3,095 |
| Return on assets (ROA) | 1.0693% | 2,155 |
| Pretax return on assets | 1.3458% | 2,138 |
| Return on Equity (ROE) | 9.4386% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.3702% | 2,829 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2284% | 4,141 |
| Assets per employee ($millions) | 4.3999% | 2,984 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 6,099 |
| Loan loss allowance to noncurrent loans | 105.9880% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 4,709 |
| Noncurrent loans to loans | 0.8601% | 4,206 |
| Net loans and leases to total assets | 62.4696% | 3,205 |
| Net loans and leases to deposits | 72.2032% | 3,421 |
| Net loans and leases to core deposits | 73.0254% | 3,921 |
| Total domestic deposits to total assets | 86.5190% | 3,107 |
| Equity capital to assets | 11.8932% | 1,979 |
| Core capital (leverage) ratio | 8.6313% | 5,516 |
| Tier 1 risk-based capital ratio | 11.6752% | 6,007 |
| Total risk-based capital ratio | 12.4088% | 6,239 |
| Memoranda: | ||
| Average total assets | $32,545,670 | 6,590 |
| Average earning assets | $28,892,000 | 6,589 |
| Average equity | $3,687,000 | 6,523 |
| Average total loans | $20,125,000 | 6,296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 4,161 |
| Cost of funding earning assets | 0.4072% | 5,037 |
| Net interest margin | 3.5831% | 3,329 |
| Noninterest income to average assets | 0.7062% | 2,560 |
| Noninterest expense to average assets | 3.1838% | 2,405 |
| Loan and lease loss provision to assets | 0.0718% | 3,432 |
| Net operating income to assets | 0.4357% | 4,976 |
| Return on assets (ROA) | 0.6942% | 3,862 |
| Pretax return on assets | 0.9695% | 3,485 |
| Return on Equity (ROE) | 6.2720% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.2720% | 2,525 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0898% | 2,743 |
| Assets per employee ($millions) | 4.8594% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 6,330 |
| Loan loss allowance to noncurrent loans | 1,140.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 6,250 |
| Noncurrent loans to loans | 0.0761% | 6,255 |
| Net loans and leases to total assets | 57.4083% | 3,857 |
| Net loans and leases to deposits | 65.4204% | 4,131 |
| Net loans and leases to core deposits | 67.2405% | 4,390 |
| Total domestic deposits to total assets | 87.7528% | 2,483 |
| Equity capital to assets | 10.9537% | 3,009 |
| Core capital (leverage) ratio | 8.5764% | 5,473 |
| Tier 1 risk-based capital ratio | 11.4441% | 6,213 |
| Total risk-based capital ratio | 12.1529% | 6,419 |
| Memoranda: | ||
| Average total assets | $33,419,000 | 6,633 |
| Average earning assets | $29,472,000 | 6,632 |
| Average equity | $3,699,000 | 6,587 |
| Average total loans | $20,479,000 | 6,332 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 3,242 |
| Cost of funding earning assets | 0.6226% | 4,158 |
| Net interest margin | 3.9176% | 2,753 |
| Noninterest income to average assets | 0.7529% | 2,480 |
| Noninterest expense to average assets | 3.0712% | 3,010 |
| Loan and lease loss provision to assets | 0.3648% | 1,805 |
| Net operating income to assets | 0.6370% | 4,051 |
| Return on assets (ROA) | 0.5771% | 4,612 |
| Pretax return on assets | 0.6700% | 4,758 |
| Return on Equity (ROE) | 4.7784% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.4441% | 4,518 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3082% | 4,086 |
| Assets per employee ($millions) | 4.6889% | 2,656 |
| Cash dividends to net income (ytd only)* | 48.8506% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 6,530 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 6,297 |
| Noncurrent loans to loans | 0.0706% | 6,312 |
| Net loans and leases to total assets | 64.2679% | 2,854 |
| Net loans and leases to deposits | 82.2571% | 1,967 |
| Net loans and leases to core deposits | 84.9605% | 2,432 |
| Total domestic deposits to total assets | 78.1305% | 6,061 |
| Equity capital to assets | 11.1876% | 2,750 |
| Core capital (leverage) ratio | 9.3097% | 4,404 |
| Tier 1 risk-based capital ratio | 10.6073% | 6,511 |
| Total risk-based capital ratio | 11.2584% | 6,666 |
| Memoranda: | ||
| Average total assets | $30,151,400 | 6,751 |
| Average earning assets | $26,342,400 | 6,759 |
| Average equity | $3,641,400 | 6,650 |
| Average total loans | $18,179,600 | 6,503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 2,987 |
| Cost of funding earning assets | 0.6644% | 4,072 |
| Net interest margin | 3.9916% | 2,536 |
| Noninterest income to average assets | 0.5607% | 3,539 |
| Noninterest expense to average assets | 3.1203% | 2,829 |
| Loan and lease loss provision to assets | 0.2442% | 2,612 |
| Net operating income to assets | 0.5240% | 4,740 |
| Return on assets (ROA) | 0.5381% | 4,936 |
| Pretax return on assets | 0.6919% | 4,892 |
| Return on Equity (ROE) | 4.3663% | 5,113 |
| Retained earnings to average equity (ytd only) | 4.3663% | 3,814 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6685% | 3,378 |
| Assets per employee ($millions) | 4.1896% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6327% | 6,825 |
| Loan loss allowance to noncurrent loans | 75.6944% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 5,259 |
| Noncurrent loans to loans | 0.8359% | 4,743 |
| Net loans and leases to total assets | 58.3694% | 4,071 |
| Net loans and leases to deposits | 73.7845% | 3,317 |
| Net loans and leases to core deposits | 76.5016% | 3,671 |
| Total domestic deposits to total assets | 79.1080% | 5,843 |
| Equity capital to assets | 12.6130% | 1,815 |
| Core capital (leverage) ratio | 9.2025% | 4,759 |
| Tier 1 risk-based capital ratio | 12.5564% | 5,600 |
| Total risk-based capital ratio | 13.2493% | 5,924 |
| Memoranda: | ||
| Average total assets | $29,483,750 | 6,850 |
| Average earning assets | $25,687,000 | 6,852 |
| Average equity | $3,633,750 | 6,736 |
| Average total loans | $17,409,750 | 6,621 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 4,076 |
| Cost of funding earning assets | 0.6723% | 4,249 |
| Net interest margin | 3.7557% | 3,562 |
| Noninterest income to average assets | 0.5011% | 3,919 |
| Noninterest expense to average assets | 3.1216% | 2,850 |
| Loan and lease loss provision to assets | 0.2573% | 2,517 |
| Net operating income to assets | 0.3432% | 5,455 |
| Return on assets (ROA) | 0.3657% | 5,580 |
| Pretax return on assets | 0.4401% | 5,600 |
| Return on Equity (ROE) | 2.9900% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.9900% | 4,652 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4286% | 2,683 |
| Assets per employee ($millions) | 4.2966% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5075% | 7,018 |
| Loan loss allowance to noncurrent loans | 54.4379% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 5,188 |
| Noncurrent loans to loans | 0.9323% | 4,645 |
| Net loans and leases to total assets | 59.9681% | 3,825 |
| Net loans and leases to deposits | 72.4628% | 3,543 |
| Net loans and leases to core deposits | 74.9657% | 3,890 |
| Total domestic deposits to total assets | 82.7570% | 4,847 |
| Equity capital to assets | 12.1093% | 2,063 |
| Core capital (leverage) ratio | 8.7300% | 5,332 |
| Tier 1 risk-based capital ratio | 12.1765% | 5,816 |
| Total risk-based capital ratio | 12.7898% | 6,172 |
| Memoranda: | ||
| Average total assets | $29,536,000 | 6,901 |
| Average earning assets | $25,881,000 | 6,905 |
| Average equity | $3,612,000 | 6,777 |
| Average total loans | $17,470,670 | 6,672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 4,085 |
| Cost of funding earning assets | 0.7111% | 4,191 |
| Net interest margin | 3.7453% | 3,613 |
| Noninterest income to average assets | 0.4784% | 4,080 |
| Noninterest expense to average assets | 3.1026% | 2,909 |
| Loan and lease loss provision to assets | 0.2870% | 2,168 |
| Net operating income to assets | 0.2597% | 5,784 |
| Return on assets (ROA) | 0.2597% | 5,943 |
| Pretax return on assets | 0.3280% | 5,912 |
| Return on Equity (ROE) | 2.1129% | 6,038 |
| Retained earnings to average equity (ytd only) | 2.1129% | 5,212 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5735% | 2,555 |
| Assets per employee ($millions) | 4.3487% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 7,097 |
| Loan loss allowance to noncurrent loans | 65.2174% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 4,926 |
| Noncurrent loans to loans | 0.7057% | 5,253 |
| Net loans and leases to total assets | 53.2834% | 4,838 |
| Net loans and leases to deposits | 61.9912% | 4,921 |
| Net loans and leases to core deposits | 64.0449% | 5,106 |
| Total domestic deposits to total assets | 85.9532% | 3,554 |
| Equity capital to assets | 11.8294% | 2,161 |
| Core capital (leverage) ratio | 8.8828% | 5,015 |
| Tier 1 risk-based capital ratio | 13.2820% | 5,001 |
| Total risk-based capital ratio | 13.8765% | 5,470 |
| Memoranda: | ||
| Average total assets | $29,266,000 | 6,965 |
| Average earning assets | $25,312,000 | 6,972 |
| Average equity | $3,597,000 | 6,823 |
| Average total loans | $17,142,000 | 6,744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 2,286 |
| Cost of funding earning assets | 0.8194% | 4,711 |
| Net interest margin | 4.3211% | 1,627 |
| Noninterest income to average assets | 0.4493% | 4,217 |
| Noninterest expense to average assets | 3.0922% | 3,225 |
| Loan and lease loss provision to assets | 0.1911% | 4,273 |
| Net operating income to assets | 0.6439% | 3,767 |
| Return on assets (ROA) | 0.6899% | 3,720 |
| Pretax return on assets | 1.0614% | 2,996 |
| Return on Equity (ROE) | 5.4457% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.2116% | 3,935 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3907% | 4,685 |
| Assets per employee ($millions) | 4.0130% | 3,823 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3002% | 7,220 |
| Loan loss allowance to noncurrent loans | 46.9565% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 4,883 |
| Noncurrent loans to loans | 0.6393% | 5,432 |
| Net loans and leases to total assets | 63.8461% | 3,223 |
| Net loans and leases to deposits | 80.3972% | 2,447 |
| Net loans and leases to core deposits | 83.5663% | 2,949 |
| Total domestic deposits to total assets | 79.4133% | 5,889 |
| Equity capital to assets | 12.7906% | 1,607 |
| Core capital (leverage) ratio | 9.7959% | 3,613 |
| Tier 1 risk-based capital ratio | 12.9875% | 5,079 |
| Total risk-based capital ratio | 13.4693% | 5,647 |
| Memoranda: | ||
| Average total assets | $28,264,800 | 7,018 |
| Average earning assets | $25,016,800 | 7,011 |
| Average equity | $3,580,800 | 6,858 |
| Average total loans | $17,559,000 | 6,780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 2,318 |
| Cost of funding earning assets | 0.8410% | 4,845 |
| Net interest margin | 4.3266% | 1,621 |
| Noninterest income to average assets | 0.3156% | 5,338 |
| Noninterest expense to average assets | 3.0473% | 3,366 |
| Loan and lease loss provision to assets | 0.0848% | 5,388 |
| Net operating income to assets | 0.7084% | 3,572 |
| Return on assets (ROA) | 0.7724% | 3,454 |
| Pretax return on assets | 1.1304% | 2,894 |
| Return on Equity (ROE) | 6.1117% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.1117% | 2,487 |
| Net charge-offs to loans | -0.1834% | 7,252 |
| Credit loss provision to net charge-offs | -75.0000% | 6,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0056% | 4,521 |
| Assets per employee ($millions) | 3.9493% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2350% | 7,320 |
| Loan loss allowance to noncurrent loans | 17.7215% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 4,663 |
| Noncurrent loans to loans | 1.3262% | 4,318 |
| Net loans and leases to total assets | 64.4891% | 3,206 |
| Net loans and leases to deposits | 84.4249% | 1,931 |
| Net loans and leases to core deposits | 87.9787% | 2,495 |
| Total domestic deposits to total assets | 76.3863% | 6,475 |
| Equity capital to assets | 13.1814% | 1,525 |
| Core capital (leverage) ratio | 9.3949% | 4,314 |
| Tier 1 risk-based capital ratio | 13.6531% | 4,612 |
| Total risk-based capital ratio | 14.0895% | 5,191 |
| Memoranda: | ||
| Average total assets | $28,308,250 | 7,085 |
| Average earning assets | $25,208,000 | 7,076 |
| Average equity | $3,577,750 | 6,915 |
| Average total loans | $17,451,500 | 6,851 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 2,823 |
| Cost of funding earning assets | 0.8360% | 5,159 |
| Net interest margin | 4.2351% | 1,899 |
| Noninterest income to average assets | 0.3085% | 5,427 |
| Noninterest expense to average assets | 3.0845% | 3,310 |
| Loan and lease loss provision to assets | 0.0841% | 5,263 |
| Net operating income to assets | 0.7711% | 3,195 |
| Return on assets (ROA) | 0.8903% | 2,787 |
| Pretax return on assets | 1.0445% | 3,062 |
| Return on Equity (ROE) | 7.1435% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.1435% | 1,810 |
| Net charge-offs to loans | -0.1040% | 7,173 |
| Credit loss provision to net charge-offs | -133.3333% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7315% | 3,062 |
| Assets per employee ($millions) | 4.1037% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1178% | 7,420 |
| Loan loss allowance to noncurrent loans | 8.8608% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 4,845 |
| Noncurrent loans to loans | 1.3291% | 4,432 |
| Net loans and leases to total assets | 61.9996% | 3,886 |
| Net loans and leases to deposits | 78.3649% | 3,064 |
| Net loans and leases to core deposits | 82.5837% | 3,416 |
| Total domestic deposits to total assets | 79.1165% | 6,059 |
| Equity capital to assets | 12.5426% | 1,759 |
| Core capital (leverage) ratio | 9.2191% | 4,372 |
| Tier 1 risk-based capital ratio | 13.3390% | 4,657 |
| Total risk-based capital ratio | 13.6632% | 5,404 |
| Memoranda: | ||
| Average total assets | $28,529,330 | 7,147 |
| Average earning assets | $25,359,330 | 7,140 |
| Average equity | $3,555,670 | 6,967 |
| Average total loans | $17,312,000 | 6,925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 3,304 |
| Cost of funding earning assets | 0.8392% | 5,337 |
| Net interest margin | 4.1167% | 2,207 |
| Noninterest income to average assets | 0.3517% | 5,087 |
| Noninterest expense to average assets | 3.1515% | 3,064 |
| Loan and lease loss provision to assets | 0.0844% | 4,943 |
| Net operating income to assets | 0.7316% | 3,369 |
| Return on assets (ROA) | 0.7316% | 3,437 |
| Pretax return on assets | 0.7738% | 3,997 |
| Return on Equity (ROE) | 5.8890% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.8890% | 2,708 |
| Net charge-offs to loans | -0.0469% | 6,860 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5965% | 2,750 |
| Assets per employee ($millions) | 4.1083% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0485% | 7,491 |
| Loan loss allowance to noncurrent loans | 2.5078% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,476 |
| Noncurrent loans to loans | 1.9320% | 3,659 |
| Net loans and leases to total assets | 57.3858% | 4,737 |
| Net loans and leases to deposits | 67.9611% | 4,683 |
| Net loans and leases to core deposits | 71.3952% | 4,870 |
| Total domestic deposits to total assets | 84.4391% | 4,304 |
| Equity capital to assets | 12.4000% | 1,681 |
| Core capital (leverage) ratio | 8.6896% | 5,098 |
| Tier 1 risk-based capital ratio | 13.2978% | 4,580 |
| Total risk-based capital ratio | 13.5618% | 5,419 |
| Memoranda: | ||
| Average total assets | $28,431,000 | 7,201 |
| Average earning assets | $25,263,000 | 7,190 |
| Average equity | $3,532,000 | 7,006 |
| Average total loans | $17,052,500 | 6,997 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1778% | 7,647 |
| Cost of funding earning assets | 0.0254% | 7,622 |
| Net interest margin | 0.1524% | 7,639 |
| Noninterest income to average assets | 0.0115% | 7,243 |
| Noninterest expense to average assets | 0.2341% | 7,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.0844% | 5,968 |
| Return on assets (ROA) | -0.0844% | 6,036 |
| Pretax return on assets | -0.0844% | 5,986 |
| Return on Equity (ROE) | -0.6552% | 6,032 |
| Retained earnings to average equity (ytd only) | -37.2565% | 7,305 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.4103% | 179 |
| Assets per employee ($millions) | 4.0149% | 3,750 |
| Cash dividends to net income (ytd only)* | -5,586.3636% | 7,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 5,231 |
| Noncurrent loans to loans | 1.2163% | 4,696 |
| Net loans and leases to total assets | 62.6032% | 4,148 |
| Net loans and leases to deposits | 74.8522% | 4,054 |
| Net loans and leases to core deposits | 77.7464% | 4,484 |
| Total domestic deposits to total assets | 83.6358% | 4,535 |
| Equity capital to assets | 12.4466% | 1,669 |
| Core capital (leverage) ratio | 9.1583% | 4,247 |
| Tier 1 risk-based capital ratio | 12.4680% | 5,048 |
| Total risk-based capital ratio | 12.6771% | 5,961 |
| Memoranda: | ||
| Average total assets | $26,062,200 | 7,319 |
| Average earning assets | $23,615,600 | 7,301 |
| Average equity | $3,357,800 | 7,176 |
| Average total loans | $15,305,400 | 7,151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 2,886 |
| Cost of funding earning assets | 1.0674% | 5,608 |
| Net interest margin | 4.3323% | 1,739 |
| Noninterest income to average assets | 0.3914% | 5,029 |
| Noninterest expense to average assets | 3.1569% | 3,080 |
| Loan and lease loss provision to assets | 0.0939% | 6,084 |
| Net operating income to assets | 1.1010% | 1,882 |
| Return on assets (ROA) | 1.1010% | 1,989 |
| Pretax return on assets | 1.1010% | 2,818 |
| Return on Equity (ROE) | 8.4668% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.4668% | 1,249 |
| Net charge-offs to loans | -0.0090% | 7,260 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5420% | 3,603 |
| Assets per employee ($millions) | 3.5716% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 2,779 |
| Loan loss allowance to noncurrent loans | 128.1250% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 4,792 |
| Noncurrent loans to loans | 1.4072% | 4,507 |
| Net loans and leases to total assets | 62.5215% | 4,425 |
| Net loans and leases to deposits | 79.6728% | 3,506 |
| Net loans and leases to core deposits | 83.4232% | 4,034 |
| Total domestic deposits to total assets | 78.4729% | 6,151 |
| Equity capital to assets | 13.7315% | 1,266 |
| Core capital (leverage) ratio | 13.5886% | 1,034 |
| Tier 1 risk-based capital ratio | 19.8489% | 1,579 |
| Total risk-based capital ratio | 21.1081% | 1,545 |
| Memoranda: | ||
| Average total assets | $25,551,750 | 7,424 |
| Average earning assets | $23,358,500 | 7,401 |
| Average equity | $3,322,750 | 7,276 |
| Average total loans | $14,733,250 | 7,270 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 3,518 |
| Cost of funding earning assets | 0.9780% | 6,247 |
| Net interest margin | 4.3115% | 1,729 |
| Noninterest income to average assets | 0.2565% | 6,080 |
| Noninterest expense to average assets | 3.2718% | 2,655 |
| Loan and lease loss provision to assets | 0.0933% | 5,983 |
| Net operating income to assets | 0.8315% | 2,817 |
| Return on assets (ROA) | 0.8315% | 2,969 |
| Pretax return on assets | 0.8315% | 3,772 |
| Return on Equity (ROE) | 6.5125% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.5125% | 2,067 |
| Net charge-offs to loans | 0.0139% | 6,148 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 283 |
| Efficiency ratio | 77.9630% | 2,734 |
| Assets per employee ($millions) | 3.6397% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9256% | 2,355 |
| Loan loss allowance to noncurrent loans | 124.5536% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 4,845 |
| Noncurrent loans to loans | 1.5460% | 4,390 |
| Net loans and leases to total assets | 55.7736% | 5,736 |
| Net loans and leases to deposits | 70.0276% | 5,274 |
| Net loans and leases to core deposits | 73.2323% | 5,531 |
| Total domestic deposits to total assets | 79.6452% | 5,838 |
| Equity capital to assets | 13.0779% | 1,537 |
| Core capital (leverage) ratio | 12.5814% | 1,372 |
| Tier 1 risk-based capital ratio | 19.6990% | 1,563 |
| Total risk-based capital ratio | 20.9583% | 1,537 |
| Memoranda: | ||
| Average total assets | $25,735,330 | 7,478 |
| Average earning assets | $23,518,330 | 7,452 |
| Average equity | $3,286,000 | 7,328 |
| Average total loans | $14,338,330 | 7,342 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 4,454 |
| Cost of funding earning assets | 1.0879% | 5,966 |
| Net interest margin | 4.0286% | 2,750 |
| Noninterest income to average assets | 0.3248% | 5,558 |
| Noninterest expense to average assets | 3.1395% | 3,106 |
| Loan and lease loss provision to assets | 0.0928% | 5,706 |
| Net operating income to assets | 0.7578% | 3,170 |
| Return on assets (ROA) | 0.7578% | 3,280 |
| Pretax return on assets | 0.7578% | 4,032 |
| Return on Equity (ROE) | 6.0067% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.0067% | 2,622 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6822% | 2,777 |
| Assets per employee ($millions) | 3.7841% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 2,127 |
| Loan loss allowance to noncurrent loans | 157.4713% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 5,337 |
| Noncurrent loans to loans | 1.2845% | 4,833 |
| Net loans and leases to total assets | 50.1038% | 6,455 |
| Net loans and leases to deposits | 61.1190% | 6,356 |
| Net loans and leases to core deposits | 62.5595% | 6,550 |
| Total domestic deposits to total assets | 81.9774% | 5,077 |
| Equity capital to assets | 12.4089% | 1,802 |
| Core capital (leverage) ratio | 12.1985% | 1,546 |
| Tier 1 risk-based capital ratio | 20.0161% | 1,517 |
| Total risk-based capital ratio | 21.2753% | 1,489 |
| Memoranda: | ||
| Average total assets | $25,864,000 | 7,570 |
| Average earning assets | $23,532,000 | 7,547 |
| Average equity | $3,263,000 | 7,414 |
| Average total loans | $14,263,000 | 7,436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 4,562 |
| Cost of funding earning assets | 1.2480% | 6,480 |
| Net interest margin | 4.1771% | 2,145 |
| Noninterest income to average assets | 0.4808% | 4,557 |
| Noninterest expense to average assets | 3.1152% | 3,670 |
| Loan and lease loss provision to assets | 0.5628% | 3,560 |
| Net operating income to assets | 0.6019% | 3,322 |
| Return on assets (ROA) | 0.6019% | 3,397 |
| Pretax return on assets | 0.6097% | 3,877 |
| Return on Equity (ROE) | 4.8379% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.8379% | 1,908 |
| Net charge-offs to loans | 0.5939% | 3,438 |
| Credit loss provision to net charge-offs | 167.4419% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3.4884% | 3,325 |
| Efficiency ratio | 72.6527% | 4,156 |
| Assets per employee ($millions) | 3.6056% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 2,587 |
| Loan loss allowance to noncurrent loans | 72.4324% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.7314% | 3,776 |
| Noncurrent loans to loans | 2.4700% | 3,079 |
| Net loans and leases to total assets | 58.2907% | 5,610 |
| Net loans and leases to deposits | 72.4479% | 5,265 |
| Net loans and leases to core deposits | 79.4084% | 6,152 |
| Total domestic deposits to total assets | 80.4588% | 5,531 |
| Equity capital to assets | 12.8333% | 1,576 |
| Core capital (leverage) ratio | 13.1999% | 1,185 |
| Tier 1 risk-based capital ratio | 19.1873% | 1,613 |
| Total risk-based capital ratio | 20.4432% | 1,580 |
| Memoranda: | ||
| Average total assets | $25,584,400 | 7,625 |
| Average earning assets | $23,317,400 | 7,606 |
| Average equity | $3,183,200 | 7,539 |
| Average total loans | $14,480,200 | 7,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 4,811 |
| Cost of funding earning assets | 1.2899% | 6,584 |
| Net interest margin | 4.1369% | 2,262 |
| Noninterest income to average assets | 0.4934% | 4,541 |
| Noninterest expense to average assets | 3.0124% | 3,997 |
| Loan and lease loss provision to assets | 0.7168% | 2,585 |
| Net operating income to assets | 0.5350% | 3,848 |
| Return on assets (ROA) | 0.5350% | 3,934 |
| Pretax return on assets | 0.5454% | 4,373 |
| Return on Equity (ROE) | 4.3332% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.3332% | 2,848 |
| Net charge-offs to loans | 0.8081% | 2,348 |
| Credit loss provision to net charge-offs | 158.6207% | 3,000 |
| Earnings coverage of net charge-offs (x) | 2.7930% | 3,819 |
| Efficiency ratio | 70.4739% | 4,495 |
| Assets per employee ($millions) | 3.4950% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 2,330 |
| Loan loss allowance to noncurrent loans | 126.0870% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 4,839 |
| Noncurrent loans to loans | 1.4147% | 4,549 |
| Net loans and leases to total assets | 58.7411% | 5,773 |
| Net loans and leases to deposits | 75.8004% | 5,083 |
| Net loans and leases to core deposits | 82.6490% | 6,142 |
| Total domestic deposits to total assets | 77.4944% | 6,220 |
| Equity capital to assets | 13.0513% | 1,675 |
| Core capital (leverage) ratio | 12.5653% | 1,554 |
| Tier 1 risk-based capital ratio | 19.6532% | 1,626 |
| Total risk-based capital ratio | 20.9098% | 1,585 |
| Memoranda: | ||
| Average total assets | $25,670,750 | 7,693 |
| Average earning assets | $23,463,000 | 7,676 |
| Average equity | $3,169,250 | 7,613 |
| Average total loans | $14,355,250 | 7,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 5,118 |
| Cost of funding earning assets | 1.3642% | 6,605 |
| Net interest margin | 4.0421% | 2,534 |
| Noninterest income to average assets | 0.4603% | 4,775 |
| Noninterest expense to average assets | 3.0147% | 4,024 |
| Loan and lease loss provision to assets | 0.2455% | 4,618 |
| Net operating income to assets | 0.8668% | 2,583 |
| Return on assets (ROA) | 0.8668% | 2,687 |
| Pretax return on assets | 0.8821% | 3,396 |
| Return on Equity (ROE) | 7.1489% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.1489% | 1,526 |
| Net charge-offs to loans | 0.4207% | 3,119 |
| Credit loss provision to net charge-offs | 106.6667% | 4,322 |
| Earnings coverage of net charge-offs (x) | 4.9000% | 2,968 |
| Efficiency ratio | 72.7778% | 4,251 |
| Assets per employee ($millions) | 3.6590% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,106 |
| Loan loss allowance to noncurrent loans | 93.3921% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1479% | 4,647 |
| Noncurrent loans to loans | 1.6225% | 4,062 |
| Net loans and leases to total assets | 53.7969% | 6,481 |
| Net loans and leases to deposits | 67.0772% | 6,280 |
| Net loans and leases to core deposits | 72.5745% | 6,862 |
| Total domestic deposits to total assets | 80.2015% | 5,395 |
| Equity capital to assets | 12.4663% | 1,939 |
| Core capital (leverage) ratio | 12.1674% | 1,765 |
| Tier 1 risk-based capital ratio | 19.7669% | 1,624 |
| Total risk-based capital ratio | 20.9767% | 1,586 |
| Memoranda: | ||
| Average total assets | $26,072,670 | 7,751 |
| Average earning assets | $23,750,000 | 7,729 |
| Average equity | $3,161,330 | 7,678 |
| Average total loans | $14,263,000 | 7,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 5,570 |
| Cost of funding earning assets | 1.4601% | 6,540 |
| Net interest margin | 3.9103% | 3,006 |
| Noninterest income to average assets | 0.4562% | 4,713 |
| Noninterest expense to average assets | 2.7070% | 4,972 |
| Loan and lease loss provision to assets | 0.0912% | 5,787 |
| Net operating income to assets | 1.1710% | 1,736 |
| Return on assets (ROA) | 1.1710% | 1,852 |
| Pretax return on assets | 1.2014% | 2,624 |
| Return on Equity (ROE) | 9.7918% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.7918% | 1,254 |
| Net charge-offs to loans | -0.0556% | 7,726 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6806% | 5,026 |
| Assets per employee ($millions) | 3.7874% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 2,669 |
| Loan loss allowance to noncurrent loans | 48.9888% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.8180% | 3,191 |
| Noncurrent loans to loans | 3.1968% | 2,025 |
| Net loans and leases to total assets | 51.6823% | 6,717 |
| Net loans and leases to deposits | 62.1350% | 6,727 |
| Net loans and leases to core deposits | 67.5408% | 7,159 |
| Total domestic deposits to total assets | 83.1774% | 4,058 |
| Equity capital to assets | 11.9795% | 2,274 |
| Core capital (leverage) ratio | 11.8894% | 1,948 |
| Tier 1 risk-based capital ratio | 17.4106% | 2,211 |
| Total risk-based capital ratio | 18.6626% | 2,156 |
| Memoranda: | ||
| Average total assets | $26,302,500 | 7,787 |
| Average earning assets | $23,834,500 | 7,776 |
| Average equity | $3,145,500 | 7,742 |
| Average total loans | $14,399,000 | 7,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 6,051 |
| Cost of funding earning assets | 2.1653% | 5,753 |
| Net interest margin | 3.7311% | 4,320 |
| Noninterest income to average assets | 0.4867% | 4,728 |
| Noninterest expense to average assets | 2.9241% | 4,362 |
| Loan and lease loss provision to assets | 0.9890% | 1,490 |
| Net operating income to assets | -0.0973% | 6,492 |
| Return on assets (ROA) | -0.0973% | 6,344 |
| Pretax return on assets | -0.0584% | 6,218 |
| Return on Equity (ROE) | -0.7793% | 6,336 |
| Retained earnings to average equity (ytd only) | -5.9223% | 6,655 |
| Net charge-offs to loans | 2.3600% | 435 |
| Credit loss provision to net charge-offs | 71.1485% | 6,058 |
| Earnings coverage of net charge-offs (x) | 0.6695% | 5,824 |
| Efficiency ratio | 75.8586% | 3,255 |
| Assets per employee ($millions) | 3.7276% | 4,114 |
| Cash dividends to net income (ytd only)* | -660.0000% | 8,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,131 |
| Loan loss allowance to noncurrent loans | 79.2453% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 3,953 |
| Noncurrent loans to loans | 1.7812% | 3,088 |
| Net loans and leases to total assets | 56.2143% | 6,410 |
| Net loans and leases to deposits | 68.0239% | 6,460 |
| Net loans and leases to core deposits | 75.3558% | 6,892 |
| Total domestic deposits to total assets | 82.6390% | 3,929 |
| Equity capital to assets | 11.9381% | 2,332 |
| Core capital (leverage) ratio | 12.1334% | 1,909 |
| Tier 1 risk-based capital ratio | 17.4646% | 2,185 |
| Total risk-based capital ratio | 18.7179% | 2,125 |
| Memoranda: | ||
| Average total assets | $25,682,800 | 7,817 |
| Average earning assets | $23,183,400 | 7,815 |
| Average equity | $3,208,200 | 7,771 |
| Average total loans | $15,126,800 | 7,639 |