Home > Greenfield Banking Company > Performance and Condition Ratios
Greenfield Banking Company, 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 | 6.1899% | 503 |
| Cost of funding earning assets | 2.6517% | 275 |
| Net interest margin | 3.5382% | 2,095 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1836% | 3,176 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9344% | 2,426 |
| Return on assets (ROA) | 0.9344% | 2,406 |
| Pretax return on assets | 1.1798% | 2,189 |
| Return on Equity (ROE) | 12.4300% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.2409% | 1,813 |
| Net charge-offs to loans | -0.1279% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.6531% | 2,762 |
| Assets per employee ($millions) | 7.0123% | 2,067 |
| Cash dividends to net income (ytd only)* | 41.7697% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,318 |
| Loan loss allowance to noncurrent loans | 140.3090% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 979 |
| Noncurrent loans to loans | 0.8528% | 895 |
| Net loans and leases to total assets | 65.3600% | 2,328 |
| Net loans and leases to deposits | 71.5339% | 2,784 |
| Net loans and leases to core deposits | 106.6971% | 1,081 |
| Total domestic deposits to total assets | 91.3700% | 418 |
| Equity capital to assets | 7.2278% | 3,850 |
| Core capital (leverage) ratio | 8.1513% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1011% | 2,553 |
| Memoranda: | ||
| Average total assets | $112,475,000 | 3,723 |
| Average earning assets | $104,348,000 | 3,703 |
| Average equity | $8,452,000 | 3,887 |
| Average total loans | $77,391,600 | 3,449 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0191% | 520 |
| Cost of funding earning assets | 2.4507% | 299 |
| Net interest margin | 3.5684% | 2,074 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.2010% | 3,071 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.8303% | 2,931 |
| Return on assets (ROA) | 0.8303% | 2,914 |
| Pretax return on assets | 1.1372% | 2,464 |
| Return on Equity (ROE) | 10.9300% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.0933% | 1,656 |
| Net charge-offs to loans | -0.1195% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.7834% | 2,632 |
| Assets per employee ($millions) | 6.6052% | 2,242 |
| Cash dividends to net income (ytd only)* | 16.7894% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,470 |
| Loan loss allowance to noncurrent loans | 316.3399% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 1,949 |
| Noncurrent loans to loans | 0.3734% | 1,895 |
| Net loans and leases to total assets | 68.1200% | 2,033 |
| Net loans and leases to deposits | 74.0604% | 2,556 |
| Net loans and leases to core deposits | 102.8392% | 1,172 |
| Total domestic deposits to total assets | 91.9800% | 452 |
| Equity capital to assets | 6.7422% | 3,735 |
| Core capital (leverage) ratio | 8.5184% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9815% | 2,275 |
| Memoranda: | ||
| Average total assets | $109,038,500 | 3,765 |
| Average earning assets | $100,921,250 | 3,749 |
| Average equity | $8,284,250 | 3,903 |
| Average total loans | $75,866,000 | 3,475 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 594 |
| Cost of funding earning assets | 2.1852% | 346 |
| Net interest margin | 3.5670% | 2,108 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.2070% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9494% | 2,594 |
| Return on assets (ROA) | 0.9494% | 2,581 |
| Pretax return on assets | 1.3011% | 2,079 |
| Return on Equity (ROE) | 11.9900% | 2,162 |
| Retained earnings to average equity (ytd only) | 10.2464% | 1,344 |
| Net charge-offs to loans | -0.1219% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.9111% | 2,608 |
| Assets per employee ($millions) | 6.3655% | 2,418 |
| Cash dividends to net income (ytd only)* | 14.5418% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,200 |
| Loan loss allowance to noncurrent loans | 332.5103% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,102 |
| Noncurrent loans to loans | 0.3155% | 2,009 |
| Net loans and leases to total assets | 66.5100% | 2,102 |
| Net loans and leases to deposits | 74.2625% | 2,466 |
| Net loans and leases to core deposits | 104.0483% | 1,052 |
| Total domestic deposits to total assets | 89.5600% | 1,066 |
| Equity capital to assets | 7.4106% | 3,575 |
| Core capital (leverage) ratio | 8.9667% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2599% | 2,549 |
| Memoranda: | ||
| Average total assets | $105,753,667 | 3,806 |
| Average earning assets | $97,842,000 | 3,797 |
| Average equity | $8,373,667 | 3,920 |
| Average total loans | $73,835,000 | 3,508 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5550% | 569 |
| Cost of funding earning assets | 1.9656% | 321 |
| Net interest margin | 3.5894% | 2,157 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.3169% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8920% | 2,886 |
| Return on assets (ROA) | 0.8920% | 2,835 |
| Pretax return on assets | 1.2236% | 2,367 |
| Return on Equity (ROE) | 10.8700% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.2363% | 1,877 |
| Net charge-offs to loans | -0.0554% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4404% | 2,276 |
| Assets per employee ($millions) | 5.7881% | 2,950 |
| Cash dividends to net income (ytd only)* | 15.0442% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,282 |
| Loan loss allowance to noncurrent loans | 351.3636% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,043 |
| Noncurrent loans to loans | 0.2996% | 2,072 |
| Net loans and leases to total assets | 69.7400% | 1,650 |
| Net loans and leases to deposits | 77.0537% | 2,032 |
| Net loans and leases to core deposits | 105.2177% | 867 |
| Total domestic deposits to total assets | 90.5100% | 975 |
| Equity capital to assets | 8.1700% | 3,126 |
| Core capital (leverage) ratio | 9.4436% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7388% | 2,071 |
| Memoranda: | ||
| Average total assets | $101,341,000 | 3,898 |
| Average earning assets | $93,610,000 | 3,884 |
| Average equity | $8,315,000 | 3,971 |
| Average total loans | $72,245,500 | 3,564 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 513 |
| Cost of funding earning assets | 0.8838% | 265 |
| Net interest margin | 3.8196% | 1,121 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.3562% | 2,565 |
| Loan and lease loss provision to assets | -0.1600% | 4,606 |
| Net operating income to assets | 1.2373% | 1,636 |
| Return on assets (ROA) | 1.1078% | 2,074 |
| Pretax return on assets | 1.4556% | 1,592 |
| Return on Equity (ROE) | 12.7800% | 1,884 |
| Retained earnings to average equity (ytd only) | 8.5498% | 1,622 |
| Net charge-offs to loans | -0.1764% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.7281% | 2,803 |
| Assets per employee ($millions) | 5.4720% | 3,248 |
| Cash dividends to net income (ytd only)* | 33.1107% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,021 |
| Loan loss allowance to noncurrent loans | 331.7391% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 1,952 |
| Noncurrent loans to loans | 0.3237% | 1,993 |
| Net loans and leases to total assets | 71.3700% | 1,485 |
| Net loans and leases to deposits | 79.2823% | 1,823 |
| Net loans and leases to core deposits | 102.0987% | 891 |
| Total domestic deposits to total assets | 90.0200% | 1,355 |
| Equity capital to assets | 8.2420% | 2,901 |
| Core capital (leverage) ratio | 9.6227% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7120% | 2,486 |
| Memoranda: | ||
| Average total assets | $94,600,800 | 3,971 |
| Average earning assets | $86,893,400 | 3,960 |
| Average equity | $8,199,000 | 4,078 |
| Average total loans | $67,442,000 | 3,620 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 466 |
| Cost of funding earning assets | 0.7447% | 208 |
| Net interest margin | 3.8055% | 944 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.3426% | 2,504 |
| Loan and lease loss provision to assets | -0.2100% | 4,682 |
| Net operating income to assets | 1.2624% | 1,483 |
| Return on assets (ROA) | 1.0880% | 2,114 |
| Pretax return on assets | 1.4881% | 1,447 |
| Return on Equity (ROE) | 12.3900% | 1,915 |
| Retained earnings to average equity (ytd only) | 11.7607% | 847 |
| Net charge-offs to loans | -0.1924% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0390% | 2,964 |
| Assets per employee ($millions) | 5.6732% | 3,055 |
| Cash dividends to net income (ytd only)* | 5.1047% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,292 |
| Loan loss allowance to noncurrent loans | 330.3571% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 2,026 |
| Noncurrent loans to loans | 0.3155% | 2,114 |
| Net loans and leases to total assets | 72.8400% | 1,196 |
| Net loans and leases to deposits | 82.6700% | 1,389 |
| Net loans and leases to core deposits | 99.5000% | 836 |
| Total domestic deposits to total assets | 88.1100% | 2,393 |
| Equity capital to assets | 8.3343% | 2,652 |
| Core capital (leverage) ratio | 9.6127% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4794% | 2,274 |
| Memoranda: | ||
| Average total assets | $93,627,000 | 4,007 |
| Average earning assets | $85,944,000 | 3,998 |
| Average equity | $8,219,250 | 4,116 |
| Average total loans | $66,537,250 | 3,657 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 473 |
| Cost of funding earning assets | 0.6769% | 179 |
| Net interest margin | 3.6781% | 948 |
| Noninterest income to average assets | 0.3237% | 3,235 |
| Noninterest expense to average assets | 2.3326% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0012% | 2,153 |
| Return on assets (ROA) | 1.0012% | 2,125 |
| Pretax return on assets | 1.3680% | 1,524 |
| Return on Equity (ROE) | 11.2082% | 1,920 |
| Retained earnings to average equity (ytd only) | 11.2082% | 754 |
| Net charge-offs to loans | -0.2398% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0321% | 2,916 |
| Assets per employee ($millions) | 6.0006% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,376 |
| Loan loss allowance to noncurrent loans | 369.4915% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 2,049 |
| Noncurrent loans to loans | 0.3411% | 2,121 |
| Net loans and leases to total assets | 71.1613% | 1,190 |
| Net loans and leases to deposits | 80.6302% | 1,339 |
| Net loans and leases to core deposits | 95.6797% | 841 |
| Total domestic deposits to total assets | 88.2564% | 2,478 |
| Equity capital to assets | 8.2856% | 2,920 |
| Core capital (leverage) ratio | 9.6708% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9919% | 2,499 |
| Memoranda: | ||
| Average total assets | $92,687,667 | 4,054 |
| Average earning assets | $85,097,333 | 4,060 |
| Average equity | $8,279,667 | 4,171 |
| Average total loans | $65,053,667 | 3,710 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 461 |
| Cost of funding earning assets | 0.6799% | 169 |
| Net interest margin | 3.5956% | 901 |
| Noninterest income to average assets | 0.3076% | 3,264 |
| Noninterest expense to average assets | 2.3598% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9140% | 2,233 |
| Return on assets (ROA) | 0.9140% | 2,231 |
| Pretax return on assets | 1.2480% | 1,663 |
| Return on Equity (ROE) | 9.8555% | 2,018 |
| Retained earnings to average equity (ytd only) | 9.8555% | 1,059 |
| Net charge-offs to loans | -0.0826% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4080% | 2,849 |
| Assets per employee ($millions) | 5.8026% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,690 |
| Loan loss allowance to noncurrent loans | 336.2500% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 1,485 |
| Noncurrent loans to loans | 0.3664% | 2,173 |
| Net loans and leases to total assets | 69.6926% | 1,045 |
| Net loans and leases to deposits | 77.7104% | 1,308 |
| Net loans and leases to core deposits | 91.0760% | 871 |
| Total domestic deposits to total assets | 89.6825% | 1,725 |
| Equity capital to assets | 8.9539% | 2,752 |
| Core capital (leverage) ratio | 9.7740% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2445% | 2,504 |
| Memoranda: | ||
| Average total assets | $91,026,500 | 4,087 |
| Average earning assets | $83,545,500 | 4,094 |
| Average equity | $8,442,000 | 4,220 |
| Average total loans | $62,983,500 | 3,745 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 612 |
| Cost of funding earning assets | 0.8118% | 192 |
| Net interest margin | 3.6737% | 1,277 |
| Noninterest income to average assets | 0.2059% | 4,133 |
| Noninterest expense to average assets | 2.4459% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8771% | 3,120 |
| Return on assets (ROA) | 0.8771% | 3,180 |
| Pretax return on assets | 1.1097% | 2,935 |
| Return on Equity (ROE) | 10.4585% | 2,365 |
| Retained earnings to average equity (ytd only) | 6.4138% | 2,172 |
| Net charge-offs to loans | -0.0430% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7905% | 1,882 |
| Assets per employee ($millions) | 4.6953% | 3,971 |
| Cash dividends to net income (ytd only)* | 38.6740% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 2,305 |
| Loan loss allowance to noncurrent loans | 324.0816% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 1,522 |
| Noncurrent loans to loans | 0.4053% | 2,142 |
| Net loans and leases to total assets | 66.8774% | 1,387 |
| Net loans and leases to deposits | 75.4241% | 1,609 |
| Net loans and leases to core deposits | 86.8480% | 1,149 |
| Total domestic deposits to total assets | 88.6684% | 1,689 |
| Equity capital to assets | 9.6076% | 3,038 |
| Core capital (leverage) ratio | 9.9417% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0847% | 2,209 |
| Memoranda: | ||
| Average total assets | $82,546,000 | 4,180 |
| Average earning assets | $75,263,800 | 4,191 |
| Average equity | $6,922,600 | 4,431 |
| Average total loans | $55,764,400 | 3,897 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 694 |
| Cost of funding earning assets | 0.8463% | 199 |
| Net interest margin | 3.6354% | 1,504 |
| Noninterest income to average assets | 0.2522% | 3,883 |
| Noninterest expense to average assets | 2.4282% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8259% | 3,453 |
| Return on assets (ROA) | 0.8259% | 3,523 |
| Pretax return on assets | 1.1309% | 3,134 |
| Return on Equity (ROE) | 10.2601% | 2,640 |
| Retained earnings to average equity (ytd only) | 10.2601% | 1,240 |
| Net charge-offs to loans | 0.0879% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 19.0556% | 1,769 |
| Efficiency ratio | 68.2260% | 1,789 |
| Assets per employee ($millions) | 4.4918% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,764 |
| Loan loss allowance to noncurrent loans | 139.0152% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 866 |
| Noncurrent loans to loans | 0.8959% | 1,288 |
| Net loans and leases to total assets | 68.1938% | 1,297 |
| Net loans and leases to deposits | 77.0188% | 1,570 |
| Net loans and leases to core deposits | 90.6429% | 998 |
| Total domestic deposits to total assets | 88.5418% | 1,546 |
| Equity capital to assets | 7.9255% | 4,556 |
| Core capital (leverage) ratio | 8.0547% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8672% | 2,992 |
| Memoranda: | ||
| Average total assets | $80,879,750 | 4,255 |
| Average earning assets | $73,571,500 | 4,264 |
| Average equity | $6,510,500 | 4,540 |
| Average total loans | $54,591,500 | 3,972 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 710 |
| Cost of funding earning assets | 0.8903% | 194 |
| Net interest margin | 3.6221% | 1,539 |
| Noninterest income to average assets | 0.2721% | 3,772 |
| Noninterest expense to average assets | 2.3579% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8792% | 3,277 |
| Return on assets (ROA) | 0.8792% | 3,358 |
| Pretax return on assets | 1.2042% | 2,898 |
| Return on Equity (ROE) | 10.8621% | 2,476 |
| Retained earnings to average equity (ytd only) | 10.8621% | 1,157 |
| Net charge-offs to loans | -0.2258% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1952% | 2,127 |
| Assets per employee ($millions) | 4.2967% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,549 |
| Loan loss allowance to noncurrent loans | 130.0940% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 952 |
| Noncurrent loans to loans | 1.1626% | 1,044 |
| Net loans and leases to total assets | 66.2020% | 1,678 |
| Net loans and leases to deposits | 74.0884% | 1,991 |
| Net loans and leases to core deposits | 88.2456% | 1,253 |
| Total domestic deposits to total assets | 89.3554% | 1,105 |
| Equity capital to assets | 8.0551% | 4,499 |
| Core capital (leverage) ratio | 8.1873% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1077% | 2,940 |
| Memoranda: | ||
| Average total assets | $79,391,333 | 4,299 |
| Average earning assets | $72,113,667 | 4,311 |
| Average equity | $6,426,000 | 4,577 |
| Average total loans | $53,144,000 | 4,020 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 921 |
| Cost of funding earning assets | 0.9646% | 164 |
| Net interest margin | 3.4298% | 2,024 |
| Noninterest income to average assets | 0.3373% | 3,416 |
| Noninterest expense to average assets | 2.2436% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8790% | 3,185 |
| Return on assets (ROA) | 0.8790% | 3,265 |
| Pretax return on assets | 1.2010% | 2,846 |
| Return on Equity (ROE) | 10.8329% | 2,413 |
| Retained earnings to average equity (ytd only) | 10.8329% | 1,438 |
| Net charge-offs to loans | -0.2601% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1335% | 2,343 |
| Assets per employee ($millions) | 4.1601% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,427 |
| Loan loss allowance to noncurrent loans | 101.2594% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 691 |
| Noncurrent loans to loans | 1.5285% | 813 |
| Net loans and leases to total assets | 64.7010% | 1,958 |
| Net loans and leases to deposits | 71.6803% | 2,343 |
| Net loans and leases to core deposits | 83.0211% | 1,753 |
| Total domestic deposits to total assets | 90.2634% | 690 |
| Equity capital to assets | 8.0438% | 4,465 |
| Core capital (leverage) ratio | 8.2111% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2503% | 2,879 |
| Memoranda: | ||
| Average total assets | $78,268,000 | 4,329 |
| Average earning assets | $70,908,000 | 4,344 |
| Average equity | $6,351,000 | 4,603 |
| Average total loans | $52,278,000 | 4,049 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 474 |
| Cost of funding earning assets | 1.2446% | 229 |
| Net interest margin | 3.7678% | 1,592 |
| Noninterest income to average assets | 0.5097% | 2,588 |
| Noninterest expense to average assets | 2.9067% | 1,669 |
| Loan and lease loss provision to assets | 0.1106% | 2,964 |
| Net operating income to assets | 0.6217% | 3,675 |
| Return on assets (ROA) | 0.6217% | 3,799 |
| Pretax return on assets | 0.9003% | 3,366 |
| Return on Equity (ROE) | 7.0836% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.8717% | 3,432 |
| Net charge-offs to loans | -0.0523% | 4,676 |
| Credit loss provision to net charge-offs | -292.5926% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1959% | 1,417 |
| Assets per employee ($millions) | 3.8747% | 4,455 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,717 |
| Loan loss allowance to noncurrent loans | 83.7867% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 612 |
| Noncurrent loans to loans | 1.7468% | 719 |
| Net loans and leases to total assets | 66.8968% | 1,967 |
| Net loans and leases to deposits | 74.6247% | 2,418 |
| Net loans and leases to core deposits | 86.7690% | 1,807 |
| Total domestic deposits to total assets | 89.6444% | 704 |
| Equity capital to assets | 8.1864% | 4,630 |
| Core capital (leverage) ratio | 8.2450% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7858% | 2,972 |
| Memoranda: | ||
| Average total assets | $71,421,400 | 4,361 |
| Average earning assets | $64,599,600 | 4,380 |
| Average equity | $6,268,000 | 4,613 |
| Average total loans | $51,665,600 | 4,077 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 463 |
| Cost of funding earning assets | 1.3033% | 241 |
| Net interest margin | 3.8362% | 1,516 |
| Noninterest income to average assets | 0.6046% | 2,159 |
| Noninterest expense to average assets | 3.0117% | 1,420 |
| Loan and lease loss provision to assets | 0.1502% | 2,519 |
| Net operating income to assets | 0.6428% | 3,651 |
| Return on assets (ROA) | 0.6428% | 3,746 |
| Pretax return on assets | 0.9117% | 3,347 |
| Return on Equity (ROE) | 7.1903% | 3,124 |
| Retained earnings to average equity (ytd only) | 6.8489% | 1,762 |
| Net charge-offs to loans | -0.4874% | 4,972 |
| Credit loss provision to net charge-offs | -42.0213% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9232% | 1,413 |
| Assets per employee ($millions) | 3.8305% | 4,452 |
| Cash dividends to net income (ytd only)* | 4.7478% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 781 |
| Loan loss allowance to noncurrent loans | 98.9373% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.4166% | 632 |
| Noncurrent loans to loans | 1.7852% | 745 |
| Net loans and leases to total assets | 71.1469% | 1,794 |
| Net loans and leases to deposits | 79.9753% | 2,317 |
| Net loans and leases to core deposits | 93.8230% | 1,656 |
| Total domestic deposits to total assets | 88.9611% | 787 |
| Equity capital to assets | 8.8831% | 4,193 |
| Core capital (leverage) ratio | 8.7618% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5968% | 3,111 |
| Memoranda: | ||
| Average total assets | $69,903,250 | 4,395 |
| Average earning assets | $63,221,000 | 4,410 |
| Average equity | $6,249,000 | 4,634 |
| Average total loans | $51,429,250 | 4,105 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 610 |
| Cost of funding earning assets | 1.3401% | 302 |
| Net interest margin | 3.8251% | 1,760 |
| Noninterest income to average assets | 0.7803% | 1,490 |
| Noninterest expense to average assets | 3.1300% | 1,284 |
| Loan and lease loss provision to assets | 0.2292% | 1,832 |
| Net operating income to assets | 0.6150% | 3,686 |
| Return on assets (ROA) | 0.6150% | 3,764 |
| Pretax return on assets | 0.8906% | 3,340 |
| Return on Equity (ROE) | 6.8642% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.8642% | 1,714 |
| Net charge-offs to loans | -0.5843% | 5,006 |
| Credit loss provision to net charge-offs | -53.0201% | 3,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6519% | 1,500 |
| Assets per employee ($millions) | 3.7899% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 805 |
| Loan loss allowance to noncurrent loans | 82.5162% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 537 |
| Noncurrent loans to loans | 2.0650% | 640 |
| Net loans and leases to total assets | 71.4591% | 1,807 |
| Net loans and leases to deposits | 80.3037% | 2,389 |
| Net loans and leases to core deposits | 92.6819% | 1,843 |
| Total domestic deposits to total assets | 88.9861% | 751 |
| Equity capital to assets | 8.8142% | 4,249 |
| Core capital (leverage) ratio | 8.8733% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5661% | 3,191 |
| Memoranda: | ||
| Average total assets | $68,944,667 | 4,414 |
| Average earning assets | $62,534,333 | 4,433 |
| Average equity | $6,177,000 | 4,666 |
| Average total loans | $51,002,000 | 4,118 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 587 |
| Cost of funding earning assets | 1.3597% | 472 |
| Net interest margin | 3.9100% | 1,648 |
| Noninterest income to average assets | 0.5162% | 2,467 |
| Noninterest expense to average assets | 3.5127% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4094% | 4,115 |
| Return on assets (ROA) | 0.4094% | 4,152 |
| Pretax return on assets | 0.5696% | 3,983 |
| Return on Equity (ROE) | 4.5305% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.5305% | 2,488 |
| Net charge-offs to loans | -0.6517% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 704 |
| Assets per employee ($millions) | 3.6102% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,435 |
| Loan loss allowance to noncurrent loans | 76.8280% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 625 |
| Noncurrent loans to loans | 1.9187% | 761 |
| Net loans and leases to total assets | 72.6925% | 1,825 |
| Net loans and leases to deposits | 82.0058% | 2,452 |
| Net loans and leases to core deposits | 94.1343% | 1,962 |
| Total domestic deposits to total assets | 88.6432% | 823 |
| Equity capital to assets | 8.9120% | 4,650 |
| Core capital (leverage) ratio | 9.3706% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8920% | 3,391 |
| Memoranda: | ||
| Average total assets | $67,412,500 | 4,448 |
| Average earning assets | $61,484,000 | 4,460 |
| Average equity | $6,092,000 | 4,710 |
| Average total loans | $50,328,500 | 4,148 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 551 |
| Cost of funding earning assets | 1.2628% | 858 |
| Net interest margin | 4.2489% | 1,209 |
| Noninterest income to average assets | 0.2536% | 4,159 |
| Noninterest expense to average assets | 2.9683% | 2,102 |
| Loan and lease loss provision to assets | 0.0745% | 2,502 |
| Net operating income to assets | 0.8780% | 3,290 |
| Return on assets (ROA) | 0.8780% | 3,374 |
| Pretax return on assets | 1.1886% | 2,878 |
| Return on Equity (ROE) | 9.2586% | 2,634 |
| Retained earnings to average equity (ytd only) | 4.8466% | 2,501 |
| Net charge-offs to loans | 0.1287% | 1,479 |
| Credit loss provision to net charge-offs | 72.3077% | 2,884 |
| Earnings coverage of net charge-offs (x) | 12.2615% | 2,424 |
| Efficiency ratio | 70.1498% | 2,145 |
| Assets per employee ($millions) | 3.4859% | 4,488 |
| Cash dividends to net income (ytd only)* | 47.6534% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,807 |
| Loan loss allowance to noncurrent loans | 80.3874% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 663 |
| Noncurrent loans to loans | 1.6504% | 839 |
| Net loans and leases to total assets | 74.5637% | 1,663 |
| Net loans and leases to deposits | 84.8175% | 2,234 |
| Net loans and leases to core deposits | 94.6726% | 2,006 |
| Total domestic deposits to total assets | 87.9107% | 1,169 |
| Equity capital to assets | 9.1663% | 4,599 |
| Core capital (leverage) ratio | 9.2710% | 4,308 |
| Tier 1 risk-based capital ratio | 9.6489% | 5,152 |
| Total risk-based capital ratio | 10.7082% | 5,142 |
| Memoranda: | ||
| Average total assets | $63,100,800 | 4,549 |
| Average earning assets | $59,074,800 | 4,534 |
| Average equity | $5,983,600 | 4,756 |
| Average total loans | $50,492,400 | 4,171 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4777% | 607 |
| Cost of funding earning assets | 1.2195% | 984 |
| Net interest margin | 4.2581% | 1,253 |
| Noninterest income to average assets | 0.2567% | 4,202 |
| Noninterest expense to average assets | 2.9333% | 2,152 |
| Loan and lease loss provision to assets | 0.0364% | 3,167 |
| Net operating income to assets | 0.9478% | 3,171 |
| Return on assets (ROA) | 0.9478% | 3,247 |
| Pretax return on assets | 1.2987% | 2,678 |
| Return on Equity (ROE) | 9.9073% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.5495% | 882 |
| Net charge-offs to loans | 0.0026% | 3,336 |
| Credit loss provision to net charge-offs | 1,700.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 625.5489% | 158 |
| Efficiency ratio | 68.7218% | 2,302 |
| Assets per employee ($millions) | 3.2120% | 4,743 |
| Cash dividends to net income (ytd only)* | 3.6113% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 1,804 |
| Loan loss allowance to noncurrent loans | 73.7064% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 615 |
| Noncurrent loans to loans | 1.8165% | 783 |
| Net loans and leases to total assets | 80.0697% | 835 |
| Net loans and leases to deposits | 91.2876% | 1,532 |
| Net loans and leases to core deposits | 100.2690% | 1,639 |
| Total domestic deposits to total assets | 87.7115% | 1,162 |
| Equity capital to assets | 9.6515% | 4,336 |
| Core capital (leverage) ratio | 9.7371% | 3,925 |
| Tier 1 risk-based capital ratio | 10.4477% | 5,089 |
| Total risk-based capital ratio | 11.6260% | 5,039 |
| Memoranda: | ||
| Average total assets | $62,318,000 | 4,618 |
| Average earning assets | $58,709,750 | 4,599 |
| Average equity | $5,961,750 | 4,823 |
| Average total loans | $50,603,250 | 4,215 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 747 |
| Cost of funding earning assets | 1.1703% | 1,075 |
| Net interest margin | 4.1713% | 1,429 |
| Noninterest income to average assets | 0.2659% | 4,158 |
| Noninterest expense to average assets | 2.9216% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9469% | 3,103 |
| Return on assets (ROA) | 0.9469% | 3,169 |
| Pretax return on assets | 1.2971% | 2,569 |
| Return on Equity (ROE) | 9.9280% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.3840% | 940 |
| Net charge-offs to loans | 0.0120% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 133.3333% | 550 |
| Efficiency ratio | 69.2544% | 2,340 |
| Assets per employee ($millions) | 2.9944% | 4,916 |
| Cash dividends to net income (ytd only)* | 5.4795% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 1,855 |
| Loan loss allowance to noncurrent loans | 68.8641% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 609 |
| Noncurrent loans to loans | 1.9450% | 747 |
| Net loans and leases to total assets | 79.5363% | 958 |
| Net loans and leases to deposits | 90.5641% | 1,678 |
| Net loans and leases to core deposits | 98.9827% | 1,806 |
| Total domestic deposits to total assets | 87.8232% | 1,186 |
| Equity capital to assets | 9.6164% | 4,300 |
| Core capital (leverage) ratio | 9.6902% | 3,942 |
| Tier 1 risk-based capital ratio | 10.4077% | 5,137 |
| Total risk-based capital ratio | 11.5777% | 5,079 |
| Memoranda: | ||
| Average total assets | $61,677,670 | 4,663 |
| Average earning assets | $58,446,330 | 4,634 |
| Average equity | $5,882,330 | 4,864 |
| Average total loans | $50,093,000 | 4,256 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 964 |
| Cost of funding earning assets | 1.1164% | 1,137 |
| Net interest margin | 4.0521% | 1,681 |
| Noninterest income to average assets | 0.2816% | 3,995 |
| Noninterest expense to average assets | 2.8358% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9496% | 3,051 |
| Return on assets (ROA) | 0.9496% | 3,095 |
| Pretax return on assets | 1.2968% | 2,465 |
| Return on Equity (ROE) | 10.0000% | 2,374 |
| Retained earnings to average equity (ytd only) | 10.0000% | 1,034 |
| Net charge-offs to loans | -0.0482% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6212% | 2,550 |
| Assets per employee ($millions) | 3.2515% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,554 |
| Loan loss allowance to noncurrent loans | 55.9805% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.1334% | 423 |
| Noncurrent loans to loans | 2.5613% | 501 |
| Net loans and leases to total assets | 76.5551% | 1,391 |
| Net loans and leases to deposits | 87.1508% | 1,980 |
| Net loans and leases to core deposits | 94.5333% | 2,079 |
| Total domestic deposits to total assets | 87.8421% | 1,424 |
| Equity capital to assets | 9.5243% | 4,238 |
| Core capital (leverage) ratio | 9.6928% | 3,927 |
| Tier 1 risk-based capital ratio | 11.3783% | 4,798 |
| Total risk-based capital ratio | 12.6295% | 4,703 |
| Memoranda: | ||
| Average total assets | $61,075,500 | 4,727 |
| Average earning assets | $58,043,500 | 4,691 |
| Average equity | $5,800,000 | 4,918 |
| Average total loans | $49,793,000 | 4,306 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 838 |
| Cost of funding earning assets | 0.8016% | 1,518 |
| Net interest margin | 4.3026% | 1,147 |
| Noninterest income to average assets | 0.3395% | 3,844 |
| Noninterest expense to average assets | 3.0982% | 1,798 |
| Loan and lease loss provision to assets | 1.6940% | 39 |
| Net operating income to assets | -0.2555% | 5,280 |
| Return on assets (ROA) | -0.2555% | 5,277 |
| Pretax return on assets | -0.3481% | 5,294 |
| Return on Equity (ROE) | -2.4133% | 5,279 |
| Retained earnings to average equity (ytd only) | -6.6893% | 5,273 |
| Net charge-offs to loans | 1.6060% | 71 |
| Credit loss provision to net charge-offs | 126.1814% | 2,084 |
| Earnings coverage of net charge-offs (x) | 1.0026% | 3,662 |
| Efficiency ratio | 69.7145% | 2,236 |
| Assets per employee ($millions) | 3.1775% | 4,861 |
| Cash dividends to net income (ytd only)* | -177.1812% | 5,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 1,934 |
| Loan loss allowance to noncurrent loans | 57.9796% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0987% | 442 |
| Noncurrent loans to loans | 2.2828% | 558 |
| Net loans and leases to total assets | 84.3437% | 387 |
| Net loans and leases to deposits | 96.3299% | 1,040 |
| Net loans and leases to core deposits | 101.0498% | 1,638 |
| Total domestic deposits to total assets | 87.5571% | 1,503 |
| Equity capital to assets | 9.4680% | 4,155 |
| Core capital (leverage) ratio | 9.3692% | 4,277 |
| Tier 1 risk-based capital ratio | 10.7818% | 5,079 |
| Total risk-based capital ratio | 12.0326% | 4,965 |
| Memoranda: | ||
| Average total assets | $58,324,800 | 4,794 |
| Average earning assets | $55,640,400 | 4,755 |
| Average equity | $6,174,000 | 4,870 |
| Average total loans | $48,755,400 | 4,338 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 901 |
| Cost of funding earning assets | 0.7513% | 1,578 |
| Net interest margin | 4.2712% | 1,182 |
| Noninterest income to average assets | 0.3759% | 3,627 |
| Noninterest expense to average assets | 3.0304% | 1,927 |
| Loan and lease loss provision to assets | 0.4290% | 289 |
| Net operating income to assets | 0.7472% | 4,083 |
| Return on assets (ROA) | 0.7472% | 4,094 |
| Pretax return on assets | 0.9940% | 3,735 |
| Return on Equity (ROE) | 6.8695% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.5303% | 2,370 |
| Net charge-offs to loans | 0.1193% | 1,314 |
| Credit loss provision to net charge-offs | 432.5581% | 781 |
| Earnings coverage of net charge-offs (x) | 14.3494% | 2,290 |
| Efficiency ratio | 68.0476% | 2,530 |
| Assets per employee ($millions) | 3.2297% | 4,856 |
| Cash dividends to net income (ytd only)* | 4.9376% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,709 |
| Loan loss allowance to noncurrent loans | 50.8183% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 484 |
| Noncurrent loans to loans | 2.3329% | 580 |
| Net loans and leases to total assets | 84.3478% | 415 |
| Net loans and leases to deposits | 100.8672% | 711 |
| Net loans and leases to core deposits | 106.8605% | 1,241 |
| Total domestic deposits to total assets | 83.6226% | 3,072 |
| Equity capital to assets | 10.4669% | 3,174 |
| Core capital (leverage) ratio | 10.8158% | 2,777 |
| Tier 1 risk-based capital ratio | 11.8875% | 4,563 |
| Total risk-based capital ratio | 13.0213% | 4,517 |
| Memoranda: | ||
| Average total assets | $57,813,000 | 4,851 |
| Average earning assets | $55,190,250 | 4,819 |
| Average equity | $6,288,500 | 4,907 |
| Average total loans | $48,043,500 | 4,399 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 1,036 |
| Cost of funding earning assets | 0.6875% | 1,700 |
| Net interest margin | 4.2064% | 1,278 |
| Noninterest income to average assets | 0.4167% | 3,375 |
| Noninterest expense to average assets | 3.0373% | 1,946 |
| Loan and lease loss provision to assets | 0.4273% | 277 |
| Net operating income to assets | 0.7417% | 4,062 |
| Return on assets (ROA) | 0.7417% | 4,062 |
| Pretax return on assets | 0.9712% | 3,747 |
| Return on Equity (ROE) | 6.7268% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.7268% | 2,199 |
| Net charge-offs to loans | 0.1717% | 909 |
| Credit loss provision to net charge-offs | 302.5000% | 993 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 2,365 |
| Efficiency ratio | 68.4713% | 2,565 |
| Assets per employee ($millions) | 3.0891% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,123 |
| Loan loss allowance to noncurrent loans | 47.2128% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 460 |
| Noncurrent loans to loans | 2.3822% | 559 |
| Net loans and leases to total assets | 83.7286% | 485 |
| Net loans and leases to deposits | 101.0425% | 731 |
| Net loans and leases to core deposits | 108.6179% | 1,079 |
| Total domestic deposits to total assets | 82.8648% | 3,449 |
| Equity capital to assets | 10.7868% | 2,846 |
| Core capital (leverage) ratio | 11.2711% | 2,284 |
| Tier 1 risk-based capital ratio | 11.6875% | 4,699 |
| Total risk-based capital ratio | 12.7067% | 4,707 |
| Memoranda: | ||
| Average total assets | $56,629,000 | 4,928 |
| Average earning assets | $54,107,670 | 4,893 |
| Average equity | $6,243,670 | 4,966 |
| Average total loans | $46,597,670 | 4,469 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,628 |
| Cost of funding earning assets | 0.6856% | 1,519 |
| Net interest margin | 3.8949% | 2,063 |
| Noninterest income to average assets | 0.6763% | 1,927 |
| Noninterest expense to average assets | 3.0289% | 1,994 |
| Loan and lease loss provision to assets | 0.3238% | 388 |
| Net operating income to assets | 0.8418% | 3,545 |
| Return on assets (ROA) | 0.8418% | 3,561 |
| Pretax return on assets | 1.0432% | 3,383 |
| Return on Equity (ROE) | 7.5484% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.5484% | 2,020 |
| Net charge-offs to loans | 0.0178% | 2,153 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 638 |
| Efficiency ratio | 68.9034% | 2,683 |
| Assets per employee ($millions) | 2.9243% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,199 |
| Loan loss allowance to noncurrent loans | 51.2821% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.9168% | 613 |
| Noncurrent loans to loans | 2.2070% | 680 |
| Net loans and leases to total assets | 81.7570% | 691 |
| Net loans and leases to deposits | 95.6416% | 1,071 |
| Net loans and leases to core deposits | 102.0787% | 1,523 |
| Total domestic deposits to total assets | 85.4826% | 2,759 |
| Equity capital to assets | 11.2399% | 2,358 |
| Core capital (leverage) ratio | 11.4263% | 2,066 |
| Tier 1 risk-based capital ratio | 13.2329% | 3,827 |
| Total risk-based capital ratio | 14.3225% | 3,821 |
| Memoranda: | ||
| Average total assets | $55,597,500 | 5,011 |
| Average earning assets | $53,095,500 | 4,972 |
| Average equity | $6,200,000 | 5,025 |
| Average total loans | $45,046,000 | 4,566 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 650 |
| Cost of funding earning assets | 0.7108% | 970 |
| Net interest margin | 4.2864% | 992 |
| Noninterest income to average assets | 0.3754% | 3,787 |
| Noninterest expense to average assets | 3.5946% | 903 |
| Loan and lease loss provision to assets | 0.0203% | 3,892 |
| Net operating income to assets | 0.3717% | 4,782 |
| Return on assets (ROA) | 0.3717% | 4,799 |
| Pretax return on assets | 0.8524% | 4,084 |
| Return on Equity (ROE) | 3.1828% | 4,781 |
| Retained earnings to average equity (ytd only) | -0.9976% | 5,184 |
| Net charge-offs to loans | -0.0400% | 5,128 |
| Credit loss provision to net charge-offs | -64.7059% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4636% | 1,062 |
| Assets per employee ($millions) | 2.9281% | 5,247 |
| Cash dividends to net income (ytd only)* | 131.3433% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,448 |
| Loan loss allowance to noncurrent loans | 82.8125% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 559 |
| Noncurrent loans to loans | 1.3047% | 1,333 |
| Net loans and leases to total assets | 78.4952% | 1,217 |
| Net loans and leases to deposits | 92.5192% | 1,445 |
| Net loans and leases to core deposits | 98.1723% | 1,850 |
| Total domestic deposits to total assets | 84.8420% | 2,895 |
| Equity capital to assets | 11.0634% | 2,571 |
| Core capital (leverage) ratio | 11.4603% | 1,965 |
| Tier 1 risk-based capital ratio | 13.2317% | 3,768 |
| Total risk-based capital ratio | 14.2533% | 3,800 |
| Memoranda: | ||
| Average total assets | $54,081,800 | 5,076 |
| Average earning assets | $51,628,400 | 5,037 |
| Average equity | $6,315,200 | 5,057 |
| Average total loans | $42,469,200 | 4,656 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 617 |
| Cost of funding earning assets | 0.7098% | 923 |
| Net interest margin | 4.2872% | 951 |
| Noninterest income to average assets | 0.3576% | 3,970 |
| Noninterest expense to average assets | 3.1635% | 1,649 |
| Loan and lease loss provision to assets | 0.0273% | 3,584 |
| Net operating income to assets | 0.7176% | 3,886 |
| Return on assets (ROA) | 0.7176% | 3,947 |
| Pretax return on assets | 1.2614% | 2,662 |
| Return on Equity (ROE) | 6.0630% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.7274% | 2,415 |
| Net charge-offs to loans | -0.0571% | 5,206 |
| Credit loss provision to net charge-offs | -61.1111% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0541% | 2,356 |
| Assets per employee ($millions) | 2.6895% | 5,441 |
| Cash dividends to net income (ytd only)* | 5.5357% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,490 |
| Loan loss allowance to noncurrent loans | 138.5507% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 2,042 |
| Noncurrent loans to loans | 0.7926% | 2,376 |
| Net loans and leases to total assets | 80.0368% | 979 |
| Net loans and leases to deposits | 95.7987% | 1,129 |
| Net loans and leases to core deposits | 101.3871% | 1,592 |
| Total domestic deposits to total assets | 83.5468% | 3,275 |
| Equity capital to assets | 12.1010% | 1,898 |
| Core capital (leverage) ratio | 12.1935% | 1,574 |
| Tier 1 risk-based capital ratio | 14.7912% | 3,017 |
| Total risk-based capital ratio | 15.8774% | 3,032 |
| Memoranda: | ||
| Average total assets | $53,693,750 | 5,147 |
| Average earning assets | $51,283,500 | 5,099 |
| Average equity | $6,355,250 | 5,105 |
| Average total loans | $42,049,750 | 4,715 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 722 |
| Cost of funding earning assets | 0.7012% | 887 |
| Net interest margin | 4.1837% | 1,114 |
| Noninterest income to average assets | 0.3466% | 4,072 |
| Noninterest expense to average assets | 3.0375% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6895% | 3,891 |
| Return on assets (ROA) | 0.6895% | 3,956 |
| Pretax return on assets | 1.3119% | 2,343 |
| Return on Equity (ROE) | 5.8693% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.3617% | 2,488 |
| Net charge-offs to loans | -0.1011% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8372% | 2,697 |
| Assets per employee ($millions) | 2.9661% | 5,305 |
| Cash dividends to net income (ytd only)* | 8.6486% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,623 |
| Loan loss allowance to noncurrent loans | 130.9192% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 2,022 |
| Noncurrent loans to loans | 0.8349% | 2,318 |
| Net loans and leases to total assets | 79.6569% | 998 |
| Net loans and leases to deposits | 95.1771% | 1,164 |
| Net loans and leases to core deposits | 102.1350% | 1,496 |
| Total domestic deposits to total assets | 83.6933% | 3,326 |
| Equity capital to assets | 11.9969% | 1,930 |
| Core capital (leverage) ratio | 12.1472% | 1,558 |
| Tier 1 risk-based capital ratio | 14.9956% | 2,924 |
| Total risk-based capital ratio | 16.0946% | 2,920 |
| Memoranda: | ||
| Average total assets | $53,662,000 | 5,179 |
| Average earning assets | $51,342,000 | 5,131 |
| Average equity | $6,304,000 | 5,142 |
| Average total loans | $41,556,670 | 4,759 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 829 |
| Cost of funding earning assets | 0.6996% | 846 |
| Net interest margin | 4.0579% | 1,327 |
| Noninterest income to average assets | 0.3271% | 4,204 |
| Noninterest expense to average assets | 3.0484% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7658% | 3,398 |
| Return on assets (ROA) | 0.7658% | 3,448 |
| Pretax return on assets | 1.1599% | 2,744 |
| Return on Equity (ROE) | 6.5883% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.5883% | 2,034 |
| Net charge-offs to loans | -0.1665% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4382% | 2,499 |
| Assets per employee ($millions) | 2.9855% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,673 |
| Loan loss allowance to noncurrent loans | 87.9245% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 1,459 |
| Noncurrent loans to loans | 1.2600% | 1,601 |
| Net loans and leases to total assets | 77.4075% | 1,214 |
| Net loans and leases to deposits | 92.3825% | 1,285 |
| Net loans and leases to core deposits | 99.0712% | 1,576 |
| Total domestic deposits to total assets | 83.7902% | 3,552 |
| Equity capital to assets | 11.7494% | 1,999 |
| Core capital (leverage) ratio | 11.9006% | 1,689 |
| Tier 1 risk-based capital ratio | 14.0476% | 3,441 |
| Total risk-based capital ratio | 15.0764% | 3,497 |
| Memoranda: | ||
| Average total assets | $53,798,500 | 5,231 |
| Average earning assets | $51,455,500 | 5,184 |
| Average equity | $6,253,500 | 5,199 |
| Average total loans | $40,836,000 | 4,820 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 971 |
| Cost of funding earning assets | 0.6990% | 810 |
| Net interest margin | 4.0492% | 1,497 |
| Noninterest income to average assets | 0.4051% | 3,835 |
| Noninterest expense to average assets | 3.1625% | 1,871 |
| Loan and lease loss provision to assets | 0.2987% | 632 |
| Net operating income to assets | 0.6123% | 4,155 |
| Return on assets (ROA) | 0.6123% | 4,273 |
| Pretax return on assets | 0.7617% | 4,295 |
| Return on Equity (ROE) | 5.2216% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.0188% | 4,917 |
| Net charge-offs to loans | 0.3353% | 822 |
| Credit loss provision to net charge-offs | 117.6471% | 2,254 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 3,541 |
| Efficiency ratio | 74.8895% | 2,149 |
| Assets per employee ($millions) | 2.8346% | 5,464 |
| Cash dividends to net income (ytd only)* | 80.4878% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,524 |
| Loan loss allowance to noncurrent loans | 60.3495% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6711% | 932 |
| Noncurrent loans to loans | 1.8784% | 993 |
| Net loans and leases to total assets | 72.7079% | 2,062 |
| Net loans and leases to deposits | 87.0239% | 2,048 |
| Net loans and leases to core deposits | 93.4984% | 2,159 |
| Total domestic deposits to total assets | 83.5493% | 3,587 |
| Equity capital to assets | 11.4988% | 2,175 |
| Core capital (leverage) ratio | 11.5212% | 1,914 |
| Tier 1 risk-based capital ratio | 13.7008% | 3,647 |
| Total risk-based capital ratio | 14.6813% | 3,713 |
| Memoranda: | ||
| Average total assets | $53,564,400 | 5,271 |
| Average earning assets | $50,503,200 | 5,237 |
| Average equity | $6,281,600 | 5,231 |
| Average total loans | $40,557,200 | 4,854 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 991 |
| Cost of funding earning assets | 0.6951% | 837 |
| Net interest margin | 4.0511% | 1,525 |
| Noninterest income to average assets | 0.4437% | 3,600 |
| Noninterest expense to average assets | 3.2005% | 1,773 |
| Loan and lease loss provision to assets | 0.1994% | 1,061 |
| Net operating income to assets | 0.6805% | 3,961 |
| Return on assets (ROA) | 0.6805% | 4,086 |
| Pretax return on assets | 0.8500% | 4,156 |
| Return on Equity (ROE) | 5.7742% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.4358% | 2,525 |
| Net charge-offs to loans | 0.0621% | 2,470 |
| Credit loss provision to net charge-offs | 421.0526% | 810 |
| Earnings coverage of net charge-offs (x) | 22.1603% | 1,775 |
| Efficiency ratio | 75.3079% | 2,059 |
| Assets per employee ($millions) | 2.8237% | 5,537 |
| Cash dividends to net income (ytd only)* | 5.8601% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,326 |
| Loan loss allowance to noncurrent loans | 77.6358% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5042% | 1,191 |
| Noncurrent loans to loans | 1.5282% | 1,418 |
| Net loans and leases to total assets | 75.4469% | 1,627 |
| Net loans and leases to deposits | 90.5406% | 1,688 |
| Net loans and leases to core deposits | 97.3169% | 1,878 |
| Total domestic deposits to total assets | 83.3293% | 3,472 |
| Equity capital to assets | 12.0110% | 2,109 |
| Core capital (leverage) ratio | 12.1016% | 1,606 |
| Tier 1 risk-based capital ratio | 13.7209% | 3,728 |
| Total risk-based capital ratio | 14.7557% | 3,764 |
| Memoranda: | ||
| Average total assets | $53,491,000 | 5,327 |
| Average earning assets | $50,256,250 | 5,292 |
| Average equity | $6,303,750 | 5,283 |
| Average total loans | $40,794,500 | 4,894 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 983 |
| Cost of funding earning assets | 0.6969% | 818 |
| Net interest margin | 4.0330% | 1,542 |
| Noninterest income to average assets | 0.4491% | 3,532 |
| Noninterest expense to average assets | 3.1850% | 1,849 |
| Loan and lease loss provision to assets | 0.2620% | 715 |
| Net operating income to assets | 0.5352% | 4,541 |
| Return on assets (ROA) | 0.5352% | 4,649 |
| Pretax return on assets | 0.7710% | 4,384 |
| Return on Equity (ROE) | 4.5709% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.0595% | 3,322 |
| Net charge-offs to loans | 0.0982% | 1,858 |
| Credit loss provision to net charge-offs | 350.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 2,098 |
| Efficiency ratio | 75.5102% | 2,146 |
| Assets per employee ($millions) | 2.8014% | 5,607 |
| Cash dividends to net income (ytd only)* | 11.1888% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 3,536 |
| Loan loss allowance to noncurrent loans | 67.0904% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.5518% | 1,213 |
| Noncurrent loans to loans | 1.7410% | 1,204 |
| Net loans and leases to total assets | 75.5105% | 1,565 |
| Net loans and leases to deposits | 90.4451% | 1,699 |
| Net loans and leases to core deposits | 97.2442% | 1,869 |
| Total domestic deposits to total assets | 83.4877% | 3,470 |
| Equity capital to assets | 11.8699% | 2,217 |
| Core capital (leverage) ratio | 11.8869% | 1,704 |
| Tier 1 risk-based capital ratio | 13.7115% | 3,765 |
| Total risk-based capital ratio | 14.7424% | 3,823 |
| Memoranda: | ||
| Average total assets | $53,437,670 | 5,392 |
| Average earning assets | $49,938,330 | 5,352 |
| Average equity | $6,257,000 | 5,338 |
| Average total loans | $40,738,000 | 4,944 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 847 |
| Cost of funding earning assets | 0.6961% | 821 |
| Net interest margin | 4.1039% | 1,335 |
| Noninterest income to average assets | 0.3810% | 3,982 |
| Noninterest expense to average assets | 3.2049% | 1,827 |
| Loan and lease loss provision to assets | 0.0598% | 2,755 |
| Net operating income to assets | 0.7321% | 3,575 |
| Return on assets (ROA) | 0.7321% | 3,683 |
| Pretax return on assets | 0.9039% | 3,831 |
| Return on Equity (ROE) | 6.2957% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.2957% | 2,235 |
| Net charge-offs to loans | -0.0196% | 4,843 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8817% | 2,061 |
| Assets per employee ($millions) | 2.8451% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 4,200 |
| Loan loss allowance to noncurrent loans | 79.0909% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 1,725 |
| Noncurrent loans to loans | 1.3584% | 1,755 |
| Net loans and leases to total assets | 74.0940% | 1,713 |
| Net loans and leases to deposits | 88.4133% | 1,783 |
| Net loans and leases to core deposits | 94.9168% | 1,896 |
| Total domestic deposits to total assets | 83.8041% | 3,595 |
| Equity capital to assets | 11.6155% | 2,327 |
| Core capital (leverage) ratio | 11.6237% | 1,889 |
| Tier 1 risk-based capital ratio | 13.6729% | 3,888 |
| Total risk-based capital ratio | 14.6201% | 3,983 |
| Memoranda: | ||
| Average total assets | $53,543,000 | 5,437 |
| Average earning assets | $49,417,000 | 5,415 |
| Average equity | $6,226,500 | 5,381 |
| Average total loans | $40,773,500 | 4,986 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 395 |
| Cost of funding earning assets | 0.7325% | 694 |
| Net interest margin | 4.5197% | 632 |
| Noninterest income to average assets | 0.3631% | 4,309 |
| Noninterest expense to average assets | 3.3165% | 1,688 |
| Loan and lease loss provision to assets | 0.1082% | 2,188 |
| Net operating income to assets | 0.6200% | 4,182 |
| Return on assets (ROA) | 0.6200% | 4,276 |
| Pretax return on assets | 0.9310% | 3,722 |
| Return on Equity (ROE) | 5.1558% | 4,428 |
| Retained earnings to average equity (ytd only) | 0.9155% | 5,156 |
| Net charge-offs to loans | 0.0838% | 2,638 |
| Credit loss provision to net charge-offs | 164.7059% | 1,633 |
| Earnings coverage of net charge-offs (x) | 15.8235% | 2,176 |
| Efficiency ratio | 76.1419% | 2,244 |
| Assets per employee ($millions) | 2.7910% | 5,711 |
| Cash dividends to net income (ytd only)* | 82.2430% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,411 |
| Loan loss allowance to noncurrent loans | 76.9928% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3445% | 1,566 |
| Noncurrent loans to loans | 1.3444% | 1,747 |
| Net loans and leases to total assets | 76.6260% | 1,319 |
| Net loans and leases to deposits | 92.5266% | 1,345 |
| Net loans and leases to core deposits | 100.1800% | 1,486 |
| Total domestic deposits to total assets | 82.8151% | 3,900 |
| Equity capital to assets | 11.6427% | 2,239 |
| Core capital (leverage) ratio | 11.6484% | 1,853 |
| Tier 1 risk-based capital ratio | 13.2880% | 4,110 |
| Total risk-based capital ratio | 14.2027% | 4,257 |
| Memoranda: | ||
| Average total assets | $51,771,000 | 5,510 |
| Average earning assets | $45,733,200 | 5,534 |
| Average equity | $6,226,000 | 5,390 |
| Average total loans | $40,591,800 | 4,985 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 381 |
| Cost of funding earning assets | 0.7339% | 701 |
| Net interest margin | 4.5474% | 594 |
| Noninterest income to average assets | 0.3446% | 4,467 |
| Noninterest expense to average assets | 3.2674% | 1,784 |
| Loan and lease loss provision to assets | 0.1451% | 1,507 |
| Net operating income to assets | 0.6918% | 3,938 |
| Return on assets (ROA) | 0.6918% | 4,049 |
| Pretax return on assets | 0.9458% | 3,833 |
| Return on Equity (ROE) | 5.7059% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.3640% | 2,670 |
| Net charge-offs to loans | 0.0461% | 2,970 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 30.0653% | 1,493 |
| Efficiency ratio | 74.9703% | 2,408 |
| Assets per employee ($millions) | 2.7026% | 5,834 |
| Cash dividends to net income (ytd only)* | 5.9917% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,281 |
| Loan loss allowance to noncurrent loans | 102.0642% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 2,043 |
| Noncurrent loans to loans | 1.0692% | 2,345 |
| Net loans and leases to total assets | 78.5507% | 1,016 |
| Net loans and leases to deposits | 95.2038% | 1,075 |
| Net loans and leases to core deposits | 104.1145% | 1,222 |
| Total domestic deposits to total assets | 82.5079% | 3,988 |
| Equity capital to assets | 12.4034% | 1,795 |
| Core capital (leverage) ratio | 12.3718% | 1,480 |
| Tier 1 risk-based capital ratio | 13.8390% | 3,947 |
| Total risk-based capital ratio | 14.8060% | 4,036 |
| Memoranda: | ||
| Average total assets | $51,456,500 | 5,584 |
| Average earning assets | $45,416,750 | 5,617 |
| Average equity | $6,239,000 | 5,450 |
| Average total loans | $40,475,000 | 5,042 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 393 |
| Cost of funding earning assets | 0.7313% | 713 |
| Net interest margin | 4.5209% | 615 |
| Noninterest income to average assets | 0.3224% | 4,643 |
| Noninterest expense to average assets | 3.2471% | 1,851 |
| Loan and lease loss provision to assets | 0.2175% | 873 |
| Net operating income to assets | 0.5904% | 4,393 |
| Return on assets (ROA) | 0.5904% | 4,486 |
| Pretax return on assets | 0.8195% | 4,257 |
| Return on Equity (ROE) | 4.9067% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.3902% | 3,219 |
| Net charge-offs to loans | 0.0743% | 2,331 |
| Credit loss provision to net charge-offs | 373.3333% | 789 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,836 |
| Efficiency ratio | 75.7933% | 2,399 |
| Assets per employee ($millions) | 2.7149% | 5,902 |
| Cash dividends to net income (ytd only)* | 10.5263% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 4,400 |
| Loan loss allowance to noncurrent loans | 94.4681% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 2,164 |
| Noncurrent loans to loans | 1.1502% | 2,349 |
| Net loans and leases to total assets | 78.3572% | 1,020 |
| Net loans and leases to deposits | 94.6780% | 1,079 |
| Net loans and leases to core deposits | 103.4528% | 1,226 |
| Total domestic deposits to total assets | 82.7618% | 4,043 |
| Equity capital to assets | 12.1280% | 1,929 |
| Core capital (leverage) ratio | 12.1662% | 1,554 |
| Tier 1 risk-based capital ratio | 16.4463% | 2,634 |
| Total risk-based capital ratio | 17.6135% | 2,637 |
| Memoranda: | ||
| Average total assets | $51,492,330 | 5,645 |
| Average earning assets | $45,124,000 | 5,680 |
| Average equity | $6,195,670 | 5,505 |
| Average total loans | $40,373,330 | 5,089 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 473 |
| Cost of funding earning assets | 0.7405% | 694 |
| Net interest margin | 4.3717% | 778 |
| Noninterest income to average assets | 0.4121% | 3,906 |
| Noninterest expense to average assets | 3.2655% | 1,808 |
| Loan and lease loss provision to assets | 0.1322% | 1,563 |
| Net operating income to assets | 0.6842% | 3,877 |
| Return on assets (ROA) | 0.6842% | 4,007 |
| Pretax return on assets | 0.8241% | 4,154 |
| Return on Equity (ROE) | 5.7092% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.7092% | 2,654 |
| Net charge-offs to loans | 0.1894% | 1,170 |
| Credit loss provision to net charge-offs | 89.4737% | 1,746 |
| Earnings coverage of net charge-offs (x) | 6.4737% | 2,287 |
| Efficiency ratio | 77.3481% | 2,286 |
| Assets per employee ($millions) | 2.7049% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 4,995 |
| Loan loss allowance to noncurrent loans | 84.9576% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 2,019 |
| Noncurrent loans to loans | 1.1814% | 2,410 |
| Net loans and leases to total assets | 76.9603% | 1,064 |
| Net loans and leases to deposits | 93.0177% | 1,085 |
| Net loans and leases to core deposits | 100.8362% | 1,267 |
| Total domestic deposits to total assets | 82.7373% | 4,257 |
| Equity capital to assets | 12.0812% | 1,966 |
| Core capital (leverage) ratio | 12.2059% | 1,507 |
| Tier 1 risk-based capital ratio | 11.9876% | 5,245 |
| Total risk-based capital ratio | 12.7618% | 5,467 |
| Memoranda: | ||
| Average total assets | $51,447,000 | 5,694 |
| Average earning assets | $44,833,500 | 5,743 |
| Average equity | $6,165,500 | 5,561 |
| Average total loans | $40,128,500 | 5,135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 453 |
| Cost of funding earning assets | 0.7228% | 988 |
| Net interest margin | 4.5636% | 666 |
| Noninterest income to average assets | 0.3766% | 4,373 |
| Noninterest expense to average assets | 3.3797% | 1,742 |
| Loan and lease loss provision to assets | 0.2411% | 975 |
| Net operating income to assets | 0.5121% | 4,768 |
| Return on assets (ROA) | 0.5121% | 4,850 |
| Pretax return on assets | 0.8828% | 3,955 |
| Return on Equity (ROE) | 4.1408% | 5,055 |
| Retained earnings to average equity (ytd only) | -0.1128% | 5,789 |
| Net charge-offs to loans | 0.2810% | 1,544 |
| Credit loss provision to net charge-offs | 109.0090% | 2,189 |
| Earnings coverage of net charge-offs (x) | 5.0811% | 3,504 |
| Efficiency ratio | 75.0442% | 2,662 |
| Assets per employee ($millions) | 2.7105% | 6,015 |
| Cash dividends to net income (ytd only)* | 102.7237% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 5,061 |
| Loan loss allowance to noncurrent loans | 76.4706% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 2,019 |
| Noncurrent loans to loans | 1.3076% | 2,258 |
| Net loans and leases to total assets | 77.4757% | 1,071 |
| Net loans and leases to deposits | 94.5453% | 1,028 |
| Net loans and leases to core deposits | 101.2485% | 1,296 |
| Total domestic deposits to total assets | 81.9456% | 4,441 |
| Equity capital to assets | 11.8874% | 2,098 |
| Core capital (leverage) ratio | 11.8207% | 1,752 |
| Tier 1 risk-based capital ratio | 12.9026% | 4,794 |
| Total risk-based capital ratio | 13.7521% | 4,952 |
| Memoranda: | ||
| Average total assets | $50,181,600 | 5,781 |
| Average earning assets | $45,381,200 | 5,787 |
| Average equity | $6,206,600 | 5,577 |
| Average total loans | $39,498,600 | 5,201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 468 |
| Cost of funding earning assets | 0.7166% | 1,069 |
| Net interest margin | 4.5404% | 691 |
| Noninterest income to average assets | 0.3557% | 4,595 |
| Noninterest expense to average assets | 3.3966% | 1,678 |
| Loan and lease loss provision to assets | 0.2273% | 985 |
| Net operating income to assets | 0.5082% | 4,848 |
| Return on assets (ROA) | 0.5082% | 4,910 |
| Pretax return on assets | 0.8665% | 4,119 |
| Return on Equity (ROE) | 4.0678% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.7251% | 3,989 |
| Net charge-offs to loans | 0.3325% | 1,205 |
| Credit loss provision to net charge-offs | 86.7347% | 2,483 |
| Earnings coverage of net charge-offs (x) | 4.1736% | 3,522 |
| Efficiency ratio | 75.6403% | 2,548 |
| Assets per employee ($millions) | 2.5133% | 6,216 |
| Cash dividends to net income (ytd only)* | 8.4198% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 5,435 |
| Loan loss allowance to noncurrent loans | 67.8571% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 2,082 |
| Noncurrent loans to loans | 1.3971% | 2,317 |
| Net loans and leases to total assets | 78.9854% | 837 |
| Net loans and leases to deposits | 96.9311% | 801 |
| Net loans and leases to core deposits | 104.7049% | 1,052 |
| Total domestic deposits to total assets | 81.4861% | 4,667 |
| Equity capital to assets | 12.5395% | 1,673 |
| Core capital (leverage) ratio | 12.7372% | 1,287 |
| Tier 1 risk-based capital ratio | 13.3681% | 4,627 |
| Total risk-based capital ratio | 14.1742% | 4,825 |
| Memoranda: | ||
| Average total assets | $49,852,000 | 5,857 |
| Average earning assets | $45,398,500 | 5,852 |
| Average equity | $6,227,750 | 5,636 |
| Average total loans | $39,297,500 | 5,267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 499 |
| Cost of funding earning assets | 0.7197% | 1,086 |
| Net interest margin | 4.4895% | 719 |
| Noninterest income to average assets | 0.3218% | 4,842 |
| Noninterest expense to average assets | 3.3109% | 1,894 |
| Loan and lease loss provision to assets | 0.1086% | 2,203 |
| Net operating income to assets | 0.6437% | 4,133 |
| Return on assets (ROA) | 0.6437% | 4,231 |
| Pretax return on assets | 1.0178% | 3,407 |
| Return on Equity (ROE) | 5.1591% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.6432% | 3,195 |
| Net charge-offs to loans | 0.4355% | 942 |
| Credit loss provision to net charge-offs | 31.7647% | 3,034 |
| Earnings coverage of net charge-offs (x) | 3.2941% | 3,350 |
| Efficiency ratio | 74.6147% | 2,869 |
| Assets per employee ($millions) | 2.4415% | 6,332 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 5,889 |
| Loan loss allowance to noncurrent loans | 54.4715% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 2,187 |
| Noncurrent loans to loans | 1.5410% | 2,250 |
| Net loans and leases to total assets | 81.0481% | 568 |
| Net loans and leases to deposits | 100.1062% | 552 |
| Net loans and leases to core deposits | 107.4736% | 794 |
| Total domestic deposits to total assets | 80.9621% | 4,993 |
| Equity capital to assets | 12.8469% | 1,457 |
| Core capital (leverage) ratio | 12.8241% | 1,230 |
| Tier 1 risk-based capital ratio | 13.4309% | 4,628 |
| Total risk-based capital ratio | 14.1483% | 4,911 |
| Memoranda: | ||
| Average total assets | $49,714,330 | 5,915 |
| Average earning assets | $45,572,670 | 5,898 |
| Average equity | $6,202,670 | 5,677 |
| Average total loans | $39,036,000 | 5,315 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 562 |
| Cost of funding earning assets | 0.7230% | 1,110 |
| Net interest margin | 4.4076% | 792 |
| Noninterest income to average assets | 0.4546% | 3,749 |
| Noninterest expense to average assets | 3.2139% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9091% | 2,612 |
| Return on assets (ROA) | 0.9091% | 2,678 |
| Pretax return on assets | 1.2760% | 2,194 |
| Return on Equity (ROE) | 7.3936% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.3936% | 1,861 |
| Net charge-offs to loans | 0.3420% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.8485% | 2,459 |
| Efficiency ratio | 71.5808% | 3,564 |
| Assets per employee ($millions) | 2.5013% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,732 |
| Loan loss allowance to noncurrent loans | 88.0196% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 2,817 |
| Noncurrent loans to loans | 1.0701% | 3,282 |
| Net loans and leases to total assets | 75.6842% | 1,041 |
| Net loans and leases to deposits | 93.0223% | 871 |
| Net loans and leases to core deposits | 98.9985% | 1,176 |
| Total domestic deposits to total assets | 81.3613% | 5,137 |
| Equity capital to assets | 12.4818% | 1,586 |
| Core capital (leverage) ratio | 12.4880% | 1,392 |
| Tier 1 risk-based capital ratio | 13.4297% | 4,743 |
| Total risk-based capital ratio | 14.2043% | 4,967 |
| Memoranda: | ||
| Average total assets | $50,157,000 | 5,960 |
| Average earning assets | $45,920,500 | 5,942 |
| Average equity | $6,167,500 | 5,715 |
| Average total loans | $38,599,000 | 5,371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5405% | 337 |
| Cost of funding earning assets | 0.8399% | 994 |
| Net interest margin | 4.7006% | 509 |
| Noninterest income to average assets | 0.3556% | 4,760 |
| Noninterest expense to average assets | 3.2023% | 2,410 |
| Loan and lease loss provision to assets | 0.2774% | 1,258 |
| Net operating income to assets | 0.6526% | 4,021 |
| Return on assets (ROA) | 0.6526% | 4,122 |
| Pretax return on assets | 0.9984% | 3,354 |
| Return on Equity (ROE) | 5.4511% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.1424% | 5,317 |
| Net charge-offs to loans | 0.3350% | 1,999 |
| Credit loss provision to net charge-offs | 110.0775% | 2,184 |
| Earnings coverage of net charge-offs (x) | 5.0620% | 3,395 |
| Efficiency ratio | 71.5096% | 3,566 |
| Assets per employee ($millions) | 2.6468% | 6,277 |
| Cash dividends to net income (ytd only)* | 79.0419% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,519 |
| Loan loss allowance to noncurrent loans | 87.9195% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 2,986 |
| Noncurrent loans to loans | 1.1468% | 3,247 |
| Net loans and leases to total assets | 76.7245% | 984 |
| Net loans and leases to deposits | 94.4136% | 848 |
| Net loans and leases to core deposits | 99.5408% | 1,194 |
| Total domestic deposits to total assets | 81.2643% | 5,104 |
| Equity capital to assets | 12.1120% | 1,736 |
| Core capital (leverage) ratio | 11.9581% | 1,638 |
| Tier 1 risk-based capital ratio | 12.9268% | 5,031 |
| Total risk-based capital ratio | 13.7613% | 5,238 |
| Memoranda: | ||
| Average total assets | $51,181,400 | 5,988 |
| Average earning assets | $44,887,600 | 6,024 |
| Average equity | $6,127,200 | 5,784 |
| Average total loans | $38,507,800 | 5,411 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 314 |
| Cost of funding earning assets | 0.8699% | 948 |
| Net interest margin | 4.7483% | 473 |
| Noninterest income to average assets | 0.3553% | 4,852 |
| Noninterest expense to average assets | 3.1099% | 2,625 |
| Loan and lease loss provision to assets | 0.3424% | 947 |
| Net operating income to assets | 0.7366% | 3,668 |
| Return on assets (ROA) | 0.7366% | 3,798 |
| Pretax return on assets | 1.0090% | 3,472 |
| Return on Equity (ROE) | 6.1709% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.8231% | 2,525 |
| Net charge-offs to loans | 0.2118% | 2,556 |
| Credit loss provision to net charge-offs | 216.3934% | 1,120 |
| Earnings coverage of net charge-offs (x) | 8.5411% | 2,611 |
| Efficiency ratio | 69.7093% | 3,803 |
| Assets per employee ($millions) | 2.6801% | 6,296 |
| Cash dividends to net income (ytd only)* | 5.6330% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,238 |
| Loan loss allowance to noncurrent loans | 75.9259% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4866% | 2,706 |
| Noncurrent loans to loans | 1.4803% | 2,946 |
| Net loans and leases to total assets | 77.9172% | 754 |
| Net loans and leases to deposits | 95.4371% | 733 |
| Net loans and leases to core deposits | 100.5117% | 1,079 |
| Total domestic deposits to total assets | 81.6425% | 5,046 |
| Equity capital to assets | 12.3346% | 1,684 |
| Core capital (leverage) ratio | 12.3539% | 1,491 |
| Tier 1 risk-based capital ratio | 13.0616% | 5,085 |
| Total risk-based capital ratio | 14.0000% | 5,234 |
| Memoranda: | ||
| Average total assets | $51,404,500 | 6,048 |
| Average earning assets | $44,449,750 | 6,108 |
| Average equity | $6,136,250 | 5,854 |
| Average total loans | $38,390,500 | 5,466 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 296 |
| Cost of funding earning assets | 0.9062% | 870 |
| Net interest margin | 4.7405% | 470 |
| Noninterest income to average assets | 0.3646% | 4,788 |
| Noninterest expense to average assets | 3.0796% | 2,726 |
| Loan and lease loss provision to assets | 0.3568% | 926 |
| Net operating income to assets | 0.6865% | 3,870 |
| Return on assets (ROA) | 0.6865% | 4,040 |
| Pretax return on assets | 0.9658% | 3,654 |
| Return on Equity (ROE) | 5.8147% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.2891% | 2,871 |
| Net charge-offs to loans | 0.3015% | 1,983 |
| Credit loss provision to net charge-offs | 161.4035% | 1,447 |
| Earnings coverage of net charge-offs (x) | 5.9825% | 2,791 |
| Efficiency ratio | 69.9559% | 3,833 |
| Assets per employee ($millions) | 3.0038% | 5,848 |
| Cash dividends to net income (ytd only)* | 9.0395% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 5,533 |
| Loan loss allowance to noncurrent loans | 59.2011% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 2,568 |
| Noncurrent loans to loans | 1.8176% | 2,615 |
| Net loans and leases to total assets | 74.7146% | 1,144 |
| Net loans and leases to deposits | 91.3166% | 1,023 |
| Net loans and leases to core deposits | 95.4040% | 1,407 |
| Total domestic deposits to total assets | 81.8192% | 5,105 |
| Equity capital to assets | 12.0905% | 1,854 |
| Core capital (leverage) ratio | 12.0949% | 1,566 |
| Tier 1 risk-based capital ratio | 13.2031% | 4,991 |
| Total risk-based capital ratio | 14.0913% | 5,193 |
| Memoranda: | ||
| Average total assets | $51,565,330 | 6,081 |
| Average earning assets | $43,919,330 | 6,160 |
| Average equity | $6,088,000 | 5,909 |
| Average total loans | $37,811,330 | 5,514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 346 |
| Cost of funding earning assets | 0.9131% | 930 |
| Net interest margin | 4.6296% | 541 |
| Noninterest income to average assets | 0.3242% | 5,108 |
| Noninterest expense to average assets | 3.2037% | 2,342 |
| Loan and lease loss provision to assets | 0.2856% | 1,236 |
| Net operating income to assets | 0.4555% | 4,890 |
| Return on assets (ROA) | 0.4555% | 5,050 |
| Pretax return on assets | 0.7488% | 4,376 |
| Return on Equity (ROE) | 3.9041% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.9041% | 3,888 |
| Net charge-offs to loans | 0.3313% | 1,644 |
| Credit loss provision to net charge-offs | 119.3548% | 1,607 |
| Earnings coverage of net charge-offs (x) | 4.3226% | 2,578 |
| Efficiency ratio | 75.5920% | 2,990 |
| Assets per employee ($millions) | 2.8739% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 5,947 |
| Loan loss allowance to noncurrent loans | 44.5213% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 1.9930% | 2,358 |
| Noncurrent loans to loans | 2.2698% | 2,307 |
| Net loans and leases to total assets | 73.0949% | 1,192 |
| Net loans and leases to deposits | 88.9652% | 1,052 |
| Net loans and leases to core deposits | 92.8677% | 1,425 |
| Total domestic deposits to total assets | 82.1612% | 5,139 |
| Equity capital to assets | 11.7417% | 2,223 |
| Core capital (leverage) ratio | 11.8738% | 1,635 |
| Tier 1 risk-based capital ratio | 13.0942% | 5,150 |
| Total risk-based capital ratio | 13.9272% | 5,399 |
| Memoranda: | ||
| Average total assets | $51,815,500 | 6,131 |
| Average earning assets | $43,805,000 | 6,219 |
| Average equity | $6,045,000 | 5,970 |
| Average total loans | $37,433,000 | 5,567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7984% | 366 |
| Cost of funding earning assets | 1.0631% | 1,059 |
| Net interest margin | 4.7353% | 610 |
| Noninterest income to average assets | 0.3519% | 4,947 |
| Noninterest expense to average assets | 3.0431% | 3,120 |
| Loan and lease loss provision to assets | 0.3092% | 2,207 |
| Net operating income to assets | 0.5444% | 4,503 |
| Return on assets (ROA) | 0.5444% | 4,751 |
| Pretax return on assets | 0.9664% | 3,677 |
| Return on Equity (ROE) | 4.5800% | 4,891 |
| Retained earnings to average equity (ytd only) | 0.2617% | 5,726 |
| Net charge-offs to loans | 0.1231% | 4,447 |
| Credit loss provision to net charge-offs | 345.6522% | 711 |
| Earnings coverage of net charge-offs (x) | 14.2609% | 1,745 |
| Efficiency ratio | 70.4638% | 3,722 |
| Assets per employee ($millions) | 2.8834% | 6,190 |
| Cash dividends to net income (ytd only)* | 94.2857% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 5,831 |
| Loan loss allowance to noncurrent loans | 48.4694% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9499% | 2,512 |
| Noncurrent loans to loans | 2.1381% | 2,538 |
| Net loans and leases to total assets | 69.9177% | 1,855 |
| Net loans and leases to deposits | 85.8461% | 1,537 |
| Net loans and leases to core deposits | 89.6288% | 1,877 |
| Total domestic deposits to total assets | 81.4454% | 5,268 |
| Equity capital to assets | 11.5913% | 2,356 |
| Core capital (leverage) ratio | 11.4866% | 1,889 |
| Tier 1 risk-based capital ratio | 13.3367% | 4,873 |
| Total risk-based capital ratio | 14.1801% | 5,102 |
| Memoranda: | ||
| Average total assets | $51,428,400 | 6,171 |
| Average earning assets | $43,081,000 | 6,267 |
| Average equity | $6,113,600 | 5,993 |
| Average total loans | $37,365,000 | 5,616 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 368 |
| Cost of funding earning assets | 1.0926% | 1,092 |
| Net interest margin | 4.7553% | 599 |
| Noninterest income to average assets | 0.3690% | 4,883 |
| Noninterest expense to average assets | 3.0610% | 3,013 |
| Loan and lease loss provision to assets | 0.2546% | 2,535 |
| Net operating income to assets | 0.7899% | 3,501 |
| Return on assets (ROA) | 0.7899% | 3,740 |
| Pretax return on assets | 1.0680% | 3,470 |
| Return on Equity (ROE) | 6.6035% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,520 |
| Net charge-offs to loans | 0.0142% | 5,495 |
| Credit loss provision to net charge-offs | 2,450.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 127.3265% | 346 |
| Efficiency ratio | 69.8281% | 3,724 |
| Assets per employee ($millions) | 2.8037% | 6,352 |
| Cash dividends to net income (ytd only)* | 5.2625% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,192 |
| Loan loss allowance to noncurrent loans | 41.9767% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 2,665 |
| Noncurrent loans to loans | 2.3089% | 2,496 |
| Net loans and leases to total assets | 73.0908% | 1,374 |
| Net loans and leases to deposits | 90.3360% | 1,109 |
| Net loans and leases to core deposits | 92.9774% | 1,690 |
| Total domestic deposits to total assets | 80.9099% | 5,392 |
| Equity capital to assets | 12.4658% | 1,916 |
| Core capital (leverage) ratio | 12.4398% | 1,435 |
| Tier 1 risk-based capital ratio | 14.0700% | 4,480 |
| Total risk-based capital ratio | 14.8787% | 4,756 |
| Memoranda: | ||
| Average total assets | $51,310,250 | 6,240 |
| Average earning assets | $43,318,750 | 6,329 |
| Average equity | $6,138,000 | 6,055 |
| Average total loans | $37,539,250 | 5,680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 416 |
| Cost of funding earning assets | 1.1295% | 1,097 |
| Net interest margin | 4.6513% | 747 |
| Noninterest income to average assets | 0.3528% | 5,017 |
| Noninterest expense to average assets | 3.0664% | 3,028 |
| Loan and lease loss provision to assets | 0.2442% | 2,623 |
| Net operating income to assets | 0.7055% | 3,840 |
| Return on assets (ROA) | 0.7055% | 4,102 |
| Pretax return on assets | 0.9691% | 3,822 |
| Return on Equity (ROE) | 5.9800% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.4542% | 3,017 |
| Net charge-offs to loans | -0.1222% | 6,900 |
| Credit loss provision to net charge-offs | -273.9130% | 6,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6486% | 3,491 |
| Assets per employee ($millions) | 2.6855% | 6,547 |
| Cash dividends to net income (ytd only)* | 8.7912% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 6,408 |
| Loan loss allowance to noncurrent loans | 71.3131% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 4,021 |
| Noncurrent loans to loans | 1.2904% | 3,988 |
| Net loans and leases to total assets | 74.4865% | 1,179 |
| Net loans and leases to deposits | 92.3799% | 908 |
| Net loans and leases to core deposits | 94.3850% | 1,564 |
| Total domestic deposits to total assets | 80.6307% | 5,580 |
| Equity capital to assets | 12.0943% | 2,077 |
| Core capital (leverage) ratio | 12.2084% | 1,496 |
| Tier 1 risk-based capital ratio | 13.4794% | 4,844 |
| Total risk-based capital ratio | 14.2519% | 5,163 |
| Memoranda: | ||
| Average total assets | $51,591,670 | 6,272 |
| Average earning assets | $43,557,670 | 6,359 |
| Average equity | $6,087,000 | 6,095 |
| Average total loans | $37,636,670 | 5,701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 490 |
| Cost of funding earning assets | 1.1810% | 1,062 |
| Net interest margin | 4.5488% | 922 |
| Noninterest income to average assets | 0.3624% | 4,979 |
| Noninterest expense to average assets | 3.1229% | 2,839 |
| Loan and lease loss provision to assets | 0.2159% | 2,783 |
| Net operating income to assets | 0.5706% | 4,491 |
| Return on assets (ROA) | 0.5706% | 4,714 |
| Pretax return on assets | 0.8251% | 4,321 |
| Return on Equity (ROE) | 4.8966% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.8966% | 3,615 |
| Net charge-offs to loans | -0.0751% | 6,693 |
| Credit loss provision to net charge-offs | -400.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,938 |
| Assets per employee ($millions) | 2.6707% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 6,734 |
| Loan loss allowance to noncurrent loans | 58.8694% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 4,071 |
| Noncurrent loans to loans | 1.3617% | 4,080 |
| Net loans and leases to total assets | 73.6496% | 1,121 |
| Net loans and leases to deposits | 91.3473% | 849 |
| Net loans and leases to core deposits | 93.3297% | 1,517 |
| Total domestic deposits to total assets | 80.6259% | 5,694 |
| Equity capital to assets | 11.9839% | 2,055 |
| Core capital (leverage) ratio | 11.9700% | 1,606 |
| Tier 1 risk-based capital ratio | 13.3540% | 4,930 |
| Total risk-based capital ratio | 14.0188% | 5,367 |
| Memoranda: | ||
| Average total assets | $51,875,500 | 6,306 |
| Average earning assets | $43,352,500 | 6,414 |
| Average equity | $6,045,000 | 6,135 |
| Average total loans | $37,275,500 | 5,768 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7100% | 766 |
| Cost of funding earning assets | 1.4663% | 815 |
| Net interest margin | 4.2437% | 1,911 |
| Noninterest income to average assets | 0.3631% | 4,908 |
| Noninterest expense to average assets | 3.0059% | 3,568 |
| Loan and lease loss provision to assets | 0.0563% | 5,891 |
| Net operating income to assets | 0.6065% | 3,971 |
| Return on assets (ROA) | 0.6078% | 4,144 |
| Pretax return on assets | 0.9107% | 3,576 |
| Return on Equity (ROE) | 5.1789% | 4,303 |
| Retained earnings to average equity (ytd only) | 0.8107% | 5,480 |
| Net charge-offs to loans | 0.4587% | 3,150 |
| Credit loss provision to net charge-offs | 17.4699% | 5,948 |
| Earnings coverage of net charge-offs (x) | 2.9940% | 3,709 |
| Efficiency ratio | 75.6968% | 2,936 |
| Assets per employee ($millions) | 3.1181% | 5,863 |
| Cash dividends to net income (ytd only)* | 84.3450% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 6,871 |
| Loan loss allowance to noncurrent loans | 49.0809% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 4,157 |
| Noncurrent loans to loans | 1.4752% | 3,945 |
| Net loans and leases to total assets | 69.0650% | 2,206 |
| Net loans and leases to deposits | 85.2784% | 1,763 |
| Net loans and leases to core deposits | 87.0382% | 2,501 |
| Total domestic deposits to total assets | 80.9878% | 5,450 |
| Equity capital to assets | 11.3360% | 2,655 |
| Core capital (leverage) ratio | 11.3033% | 2,032 |
| Tier 1 risk-based capital ratio | 13.2859% | 4,847 |
| Total risk-based capital ratio | 13.8778% | 5,337 |
| Memoranda: | ||
| Average total assets | $51,499,000 | 6,318 |
| Average earning assets | $43,782,600 | 6,394 |
| Average equity | $6,043,800 | 6,148 |
| Average total loans | $36,191,400 | 5,859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6895% | 864 |
| Cost of funding earning assets | 1.5035% | 850 |
| Net interest margin | 4.1861% | 2,157 |
| Noninterest income to average assets | 0.3834% | 4,782 |
| Noninterest expense to average assets | 3.0645% | 3,301 |
| Loan and lease loss provision to assets | 0.0495% | 5,832 |
| Net operating income to assets | 0.6137% | 4,026 |
| Return on assets (ROA) | 0.6155% | 4,197 |
| Pretax return on assets | 0.8737% | 3,865 |
| Return on Equity (ROE) | 5.1988% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.8464% | 3,281 |
| Net charge-offs to loans | 0.1592% | 4,505 |
| Credit loss provision to net charge-offs | 44.1860% | 5,164 |
| Earnings coverage of net charge-offs (x) | 8.2095% | 2,215 |
| Efficiency ratio | 76.8979% | 2,694 |
| Assets per employee ($millions) | 3.0601% | 5,993 |
| Cash dividends to net income (ytd only)* | 6.7787% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 6,080 |
| Loan loss allowance to noncurrent loans | 50.6667% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5571% | 3,756 |
| Noncurrent loans to loans | 2.0553% | 3,293 |
| Net loans and leases to total assets | 69.4162% | 2,195 |
| Net loans and leases to deposits | 86.2641% | 1,652 |
| Net loans and leases to core deposits | 88.0885% | 2,474 |
| Total domestic deposits to total assets | 80.4694% | 5,604 |
| Equity capital to assets | 11.8837% | 2,345 |
| Core capital (leverage) ratio | 12.0109% | 1,699 |
| Tier 1 risk-based capital ratio | 13.8657% | 4,438 |
| Total risk-based capital ratio | 14.7205% | 4,725 |
| Memoranda: | ||
| Average total assets | $51,121,750 | 6,388 |
| Average earning assets | $43,986,000 | 6,447 |
| Average equity | $6,052,500 | 6,188 |
| Average total loans | $36,020,000 | 5,919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5785% | 1,114 |
| Cost of funding earning assets | 1.5288% | 902 |
| Net interest margin | 4.0497% | 2,613 |
| Noninterest income to average assets | 0.3699% | 4,911 |
| Noninterest expense to average assets | 3.1600% | 3,047 |
| Loan and lease loss provision to assets | 0.0748% | 5,379 |
| Net operating income to assets | 0.4093% | 4,900 |
| Return on assets (ROA) | 0.4093% | 5,058 |
| Pretax return on assets | 0.6690% | 4,502 |
| Return on Equity (ROE) | 3.4613% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.9288% | 4,420 |
| Net charge-offs to loans | 0.2454% | 3,651 |
| Credit loss provision to net charge-offs | 43.1818% | 4,755 |
| Earnings coverage of net charge-offs (x) | 4.2955% | 2,905 |
| Efficiency ratio | 80.9476% | 2,250 |
| Assets per employee ($millions) | 3.0099% | 6,067 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 6,177 |
| Loan loss allowance to noncurrent loans | 49.4133% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 3,687 |
| Noncurrent loans to loans | 2.1088% | 3,343 |
| Net loans and leases to total assets | 70.3395% | 2,150 |
| Net loans and leases to deposits | 87.0697% | 1,639 |
| Net loans and leases to core deposits | 89.6081% | 2,425 |
| Total domestic deposits to total assets | 80.7852% | 5,600 |
| Equity capital to assets | 11.8255% | 2,224 |
| Core capital (leverage) ratio | 11.9976% | 1,597 |
| Tier 1 risk-based capital ratio | 13.7410% | 4,350 |
| Total risk-based capital ratio | 14.6043% | 4,626 |
| Memoranda: | ||
| Average total assets | $50,822,000 | 6,458 |
| Average earning assets | $44,349,000 | 6,499 |
| Average equity | $6,009,330 | 6,230 |
| Average total loans | $35,863,000 | 5,975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 1,334 |
| Cost of funding earning assets | 1.5753% | 897 |
| Net interest margin | 3.9114% | 3,085 |
| Noninterest income to average assets | 0.4344% | 4,417 |
| Noninterest expense to average assets | 3.1669% | 3,003 |
| Loan and lease loss provision to assets | 0.0395% | 5,501 |
| Net operating income to assets | 0.4186% | 4,866 |
| Return on assets (ROA) | 0.4186% | 4,956 |
| Pretax return on assets | 0.6792% | 4,387 |
| Return on Equity (ROE) | 3.5401% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.5401% | 4,066 |
| Net charge-offs to loans | 0.2921% | 2,884 |
| Credit loss provision to net charge-offs | 19.2308% | 4,261 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,723 |
| Efficiency ratio | 81.5041% | 2,301 |
| Assets per employee ($millions) | 2.9374% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 6,168 |
| Loan loss allowance to noncurrent loans | 52.3224% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.6561% | 3,769 |
| Noncurrent loans to loans | 2.0415% | 3,521 |
| Net loans and leases to total assets | 71.0369% | 1,910 |
| Net loans and leases to deposits | 88.5762% | 1,402 |
| Net loans and leases to core deposits | 90.4854% | 2,299 |
| Total domestic deposits to total assets | 80.1987% | 5,890 |
| Equity capital to assets | 12.0474% | 1,888 |
| Core capital (leverage) ratio | 12.0540% | 1,534 |
| Tier 1 risk-based capital ratio | 13.6076% | 4,355 |
| Total risk-based capital ratio | 14.4766% | 4,622 |
| Memoranda: | ||
| Average total assets | $50,648,500 | 6,513 |
| Average earning assets | $44,690,000 | 6,535 |
| Average equity | $5,988,500 | 6,253 |
| Average total loans | $35,609,000 | 6,041 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 1,434 |
| Cost of funding earning assets | 1.7461% | 1,392 |
| Net interest margin | 3.9954% | 3,041 |
| Noninterest income to average assets | 0.3711% | 5,129 |
| Noninterest expense to average assets | 2.9627% | 3,990 |
| Loan and lease loss provision to assets | 0.1335% | 5,839 |
| Net operating income to assets | 0.6377% | 3,500 |
| Return on assets (ROA) | 0.6420% | 3,627 |
| Pretax return on assets | 0.8658% | 3,420 |
| Return on Equity (ROE) | 5.4453% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.0491% | 5,018 |
| Net charge-offs to loans | 0.1093% | 5,778 |
| Credit loss provision to net charge-offs | 174.3590% | 1,927 |
| Earnings coverage of net charge-offs (x) | 12.9744% | 1,452 |
| Efficiency ratio | 74.8883% | 3,227 |
| Assets per employee ($millions) | 2.8534% | 6,432 |
| Cash dividends to net income (ytd only)* | 80.7339% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,768 |
| Loan loss allowance to noncurrent loans | 60.9351% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 4,302 |
| Noncurrent loans to loans | 1.8749% | 3,719 |
| Net loans and leases to total assets | 68.0633% | 2,974 |
| Net loans and leases to deposits | 83.7277% | 2,495 |
| Net loans and leases to core deposits | 85.4510% | 3,403 |
| Total domestic deposits to total assets | 81.2913% | 5,424 |
| Equity capital to assets | 11.6061% | 2,183 |
| Core capital (leverage) ratio | 11.5058% | 1,830 |
| Tier 1 risk-based capital ratio | 13.6268% | 4,114 |
| Total risk-based capital ratio | 14.5530% | 4,327 |
| Memoranda: | ||
| Average total assets | $50,933,400 | 6,497 |
| Average earning assets | $45,702,200 | 6,519 |
| Average equity | $6,005,200 | 6,366 |
| Average total loans | $35,670,200 | 6,130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7698% | 1,483 |
| Cost of funding earning assets | 1.7594% | 1,590 |
| Net interest margin | 4.0103% | 3,053 |
| Noninterest income to average assets | 0.3620% | 5,263 |
| Noninterest expense to average assets | 2.9380% | 3,950 |
| Loan and lease loss provision to assets | 0.1784% | 5,258 |
| Net operating income to assets | 0.5806% | 3,957 |
| Return on assets (ROA) | 0.5876% | 4,093 |
| Pretax return on assets | 0.8735% | 3,650 |
| Return on Equity (ROE) | 4.9642% | 4,308 |
| Retained earnings to average equity (ytd only) | 4.6097% | 3,253 |
| Net charge-offs to loans | 0.1082% | 5,460 |
| Credit loss provision to net charge-offs | 234.4828% | 1,445 |
| Earnings coverage of net charge-offs (x) | 13.6881% | 1,564 |
| Efficiency ratio | 73.8299% | 3,354 |
| Assets per employee ($millions) | 2.8388% | 6,515 |
| Cash dividends to net income (ytd only)* | 7.1419% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,690 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 5,061 |
| Noncurrent loans to loans | 1.3471% | 4,608 |
| Net loans and leases to total assets | 69.3569% | 2,889 |
| Net loans and leases to deposits | 85.6452% | 2,416 |
| Net loans and leases to core deposits | 86.8840% | 3,534 |
| Total domestic deposits to total assets | 80.9816% | 5,370 |
| Equity capital to assets | 11.9731% | 2,174 |
| Core capital (leverage) ratio | 12.0140% | 1,663 |
| Tier 1 risk-based capital ratio | 13.8626% | 3,945 |
| Total risk-based capital ratio | 14.8050% | 4,105 |
| Memoranda: | ||
| Average total assets | $50,826,500 | 6,580 |
| Average earning assets | $45,847,000 | 6,597 |
| Average equity | $6,016,250 | 6,439 |
| Average total loans | $35,747,250 | 6,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 1,838 |
| Cost of funding earning assets | 1.7591% | 1,823 |
| Net interest margin | 3.9213% | 3,346 |
| Noninterest income to average assets | 0.3745% | 5,132 |
| Noninterest expense to average assets | 2.9762% | 3,801 |
| Loan and lease loss provision to assets | 0.1892% | 4,987 |
| Net operating income to assets | 0.4931% | 4,358 |
| Return on assets (ROA) | 0.5006% | 4,477 |
| Pretax return on assets | 0.7884% | 3,923 |
| Return on Equity (ROE) | 4.2458% | 4,667 |
| Retained earnings to average equity (ytd only) | 3.7109% | 3,740 |
| Net charge-offs to loans | 0.1344% | 4,867 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 1,921 |
| Efficiency ratio | 75.5000% | 3,160 |
| Assets per employee ($millions) | 2.7900% | 6,589 |
| Cash dividends to net income (ytd only)* | 12.5984% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,992 |
| Loan loss allowance to noncurrent loans | 87.6923% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0175% | 5,107 |
| Noncurrent loans to loans | 1.2419% | 4,899 |
| Net loans and leases to total assets | 72.1585% | 2,357 |
| Net loans and leases to deposits | 89.0237% | 2,000 |
| Net loans and leases to core deposits | 90.3285% | 3,208 |
| Total domestic deposits to total assets | 81.0554% | 5,384 |
| Equity capital to assets | 11.9853% | 2,105 |
| Core capital (leverage) ratio | 11.9577% | 1,663 |
| Tier 1 risk-based capital ratio | 13.4855% | 4,077 |
| Total risk-based capital ratio | 14.3835% | 4,293 |
| Memoranda: | ||
| Average total assets | $50,736,000 | 6,625 |
| Average earning assets | $46,158,670 | 6,629 |
| Average equity | $5,982,330 | 6,470 |
| Average total loans | $35,711,670 | 6,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7021% | 1,772 |
| Cost of funding earning assets | 1.7965% | 1,889 |
| Net interest margin | 3.9055% | 3,302 |
| Noninterest income to average assets | 0.3451% | 5,379 |
| Noninterest expense to average assets | 2.9651% | 3,804 |
| Loan and lease loss provision to assets | 0.1020% | 5,612 |
| Net operating income to assets | 0.6589% | 3,620 |
| Return on assets (ROA) | 0.6589% | 3,733 |
| Pretax return on assets | 0.8079% | 3,832 |
| Return on Equity (ROE) | 5.6338% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.6338% | 2,794 |
| Net charge-offs to loans | 0.0340% | 5,099 |
| Credit loss provision to net charge-offs | 433.3333% | 960 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 713 |
| Efficiency ratio | 76.5182% | 3,128 |
| Assets per employee ($millions) | 2.7934% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 6,073 |
| Loan loss allowance to noncurrent loans | 94.5946% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 5,308 |
| Noncurrent loans to loans | 1.1480% | 5,073 |
| Net loans and leases to total assets | 69.7460% | 2,998 |
| Net loans and leases to deposits | 86.1117% | 2,566 |
| Net loans and leases to core deposits | 87.3689% | 3,698 |
| Total domestic deposits to total assets | 80.9948% | 5,466 |
| Equity capital to assets | 11.9409% | 2,073 |
| Core capital (leverage) ratio | 11.7977% | 1,753 |
| Tier 1 risk-based capital ratio | 13.7643% | 3,822 |
| Total risk-based capital ratio | 14.6525% | 4,006 |
| Memoranda: | ||
| Average total assets | $50,994,000 | 6,700 |
| Average earning assets | $46,088,500 | 6,706 |
| Average equity | $5,964,000 | 6,531 |
| Average total loans | $35,249,000 | 6,354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8328% | 2,517 |
| Cost of funding earning assets | 2.0014% | 2,961 |
| Net interest margin | 3.8314% | 3,571 |
| Noninterest income to average assets | 0.3881% | 5,314 |
| Noninterest expense to average assets | 3.0686% | 3,878 |
| Loan and lease loss provision to assets | 0.0776% | 6,821 |
| Net operating income to assets | 0.6137% | 3,281 |
| Return on assets (ROA) | 0.4099% | 4,197 |
| Pretax return on assets | 0.5353% | 4,094 |
| Return on Equity (ROE) | 3.4223% | 4,321 |
| Retained earnings to average equity (ytd only) | -0.9636% | 5,247 |
| Net charge-offs to loans | 0.0439% | 6,666 |
| Credit loss provision to net charge-offs | 260.0000% | 1,349 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 782 |
| Efficiency ratio | 77.7610% | 3,232 |
| Assets per employee ($millions) | 2.8726% | 6,511 |
| Cash dividends to net income (ytd only)* | 128.1553% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 6,041 |
| Loan loss allowance to noncurrent loans | 51.7956% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 4,101 |
| Noncurrent loans to loans | 2.0660% | 3,566 |
| Net loans and leases to total assets | 67.0489% | 3,914 |
| Net loans and leases to deposits | 81.3120% | 3,737 |
| Net loans and leases to core deposits | 115.4402% | 2,374 |
| Total domestic deposits to total assets | 82.4589% | 4,756 |
| Equity capital to assets | 11.4569% | 2,348 |
| Core capital (leverage) ratio | 11.5270% | 1,903 |
| Tier 1 risk-based capital ratio | 12.8327% | 4,259 |
| Total risk-based capital ratio | 13.6508% | 4,563 |
| Memoranda: | ||
| Average total assets | $50,250,800 | 6,697 |
| Average earning assets | $46,667,200 | 6,656 |
| Average equity | $6,019,400 | 6,598 |
| Average total loans | $34,194,000 | 6,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 2,442 |
| Cost of funding earning assets | 2.0423% | 3,156 |
| Net interest margin | 3.8590% | 3,391 |
| Noninterest income to average assets | 0.3929% | 5,354 |
| Noninterest expense to average assets | 3.0442% | 3,865 |
| Loan and lease loss provision to assets | 0.1042% | 6,329 |
| Net operating income to assets | 0.7511% | 3,019 |
| Return on assets (ROA) | 0.4383% | 4,347 |
| Pretax return on assets | 0.4998% | 4,521 |
| Return on Equity (ROE) | 3.6183% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.2653% | 3,487 |
| Net charge-offs to loans | 0.0510% | 6,202 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 27.6197% | 986 |
| Efficiency ratio | 76.0347% | 3,506 |
| Assets per employee ($millions) | 2.7838% | 6,672 |
| Cash dividends to net income (ytd only)* | 9.7549% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 5,839 |
| Loan loss allowance to noncurrent loans | 65.5652% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,437 |
| Noncurrent loans to loans | 1.6474% | 4,172 |
| Net loans and leases to total assets | 68.9032% | 3,744 |
| Net loans and leases to deposits | 84.1790% | 3,615 |
| Net loans and leases to core deposits | 118.2924% | 2,389 |
| Total domestic deposits to total assets | 81.8532% | 4,739 |
| Equity capital to assets | 12.2296% | 2,105 |
| Core capital (leverage) ratio | 12.1509% | 1,731 |
| Tier 1 risk-based capital ratio | 14.2113% | 3,433 |
| Total risk-based capital ratio | 15.0915% | 3,593 |
| Memoranda: | ||
| Average total assets | $49,886,750 | 6,765 |
| Average earning assets | $46,678,000 | 6,702 |
| Average equity | $6,043,250 | 6,649 |
| Average total loans | $33,981,500 | 6,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 2,576 |
| Cost of funding earning assets | 2.0943% | 3,297 |
| Net interest margin | 3.8066% | 3,529 |
| Noninterest income to average assets | 0.4055% | 5,238 |
| Noninterest expense to average assets | 3.1157% | 3,637 |
| Loan and lease loss provision to assets | 0.1325% | 5,769 |
| Net operating income to assets | 0.5212% | 4,016 |
| Return on assets (ROA) | 0.5300% | 4,095 |
| Pretax return on assets | 0.7307% | 3,893 |
| Return on Equity (ROE) | 4.3890% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.8570% | 3,142 |
| Net charge-offs to loans | 0.0713% | 5,509 |
| Credit loss provision to net charge-offs | 275.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,462 |
| Efficiency ratio | 78.5425% | 3,264 |
| Assets per employee ($millions) | 2.7835% | 6,669 |
| Cash dividends to net income (ytd only)* | 12.1212% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,667 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 4,447 |
| Noncurrent loans to loans | 1.5451% | 4,179 |
| Net loans and leases to total assets | 67.3333% | 4,287 |
| Net loans and leases to deposits | 81.2681% | 4,344 |
| Net loans and leases to core deposits | 115.9711% | 2,714 |
| Total domestic deposits to total assets | 82.8533% | 4,304 |
| Equity capital to assets | 12.1250% | 2,135 |
| Core capital (leverage) ratio | 12.0953% | 1,794 |
| Tier 1 risk-based capital ratio | 14.3957% | 3,306 |
| Total risk-based capital ratio | 15.2800% | 3,446 |
| Memoranda: | ||
| Average total assets | $49,813,000 | 6,837 |
| Average earning assets | $46,602,670 | 6,768 |
| Average equity | $6,015,000 | 6,711 |
| Average total loans | $33,674,330 | 6,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 2,549 |
| Cost of funding earning assets | 2.1311% | 3,512 |
| Net interest margin | 3.8223% | 3,363 |
| Noninterest income to average assets | 0.4268% | 4,988 |
| Noninterest expense to average assets | 3.2214% | 2,893 |
| Loan and lease loss provision to assets | 0.2416% | 4,047 |
| Net operating income to assets | 0.3228% | 5,198 |
| Return on assets (ROA) | 0.3382% | 5,306 |
| Pretax return on assets | 0.5557% | 4,895 |
| Return on Equity (ROE) | 2.8070% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.8070% | 4,315 |
| Net charge-offs to loans | 0.1196% | 4,016 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 2,040 |
| Efficiency ratio | 80.6452% | 2,715 |
| Assets per employee ($millions) | 2.6315% | 7,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,376 |
| Loan loss allowance to noncurrent loans | 170.9677% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 5,547 |
| Noncurrent loans to loans | 0.6509% | 5,780 |
| Net loans and leases to total assets | 65.9313% | 4,603 |
| Net loans and leases to deposits | 79.4203% | 4,699 |
| Net loans and leases to core deposits | 112.6085% | 3,155 |
| Total domestic deposits to total assets | 83.0157% | 4,139 |
| Equity capital to assets | 12.0062% | 2,257 |
| Core capital (leverage) ratio | 12.0534% | 1,873 |
| Tier 1 risk-based capital ratio | 14.2683% | 3,447 |
| Total risk-based capital ratio | 15.1532% | 3,573 |
| Memoranda: | ||
| Average total assets | $49,668,000 | 6,884 |
| Average earning assets | $46,360,000 | 6,823 |
| Average equity | $5,985,000 | 6,769 |
| Average total loans | $33,457,500 | 6,566 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6191% | 2,392 |
| Cost of funding earning assets | 2.8404% | 2,524 |
| Net interest margin | 3.7787% | 4,108 |
| Noninterest income to average assets | 0.5415% | 4,306 |
| Noninterest expense to average assets | 2.9974% | 4,088 |
| Loan and lease loss provision to assets | 0.4696% | 2,951 |
| Net operating income to assets | 0.4406% | 4,989 |
| Return on assets (ROA) | 0.4616% | 4,720 |
| Pretax return on assets | 0.6195% | 4,626 |
| Return on Equity (ROE) | 3.8272% | 4,885 |
| Retained earnings to average equity (ytd only) | -0.5467% | 5,453 |
| Net charge-offs to loans | 0.6465% | 1,915 |
| Credit loss provision to net charge-offs | 109.8131% | 4,906 |
| Earnings coverage of net charge-offs (x) | 2.4813% | 4,833 |
| Efficiency ratio | 73.8552% | 3,604 |
| Assets per employee ($millions) | 2.5967% | 7,012 |
| Cash dividends to net income (ytd only)* | 114.2857% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,664 |
| Loan loss allowance to noncurrent loans | 127.1739% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 4,801 |
| Noncurrent loans to loans | 0.8219% | 4,994 |
| Net loans and leases to total assets | 67.3490% | 4,576 |
| Net loans and leases to deposits | 81.2719% | 4,832 |
| Net loans and leases to core deposits | 112.4239% | 3,520 |
| Total domestic deposits to total assets | 82.8688% | 3,824 |
| Equity capital to assets | 12.0944% | 2,234 |
| Core capital (leverage) ratio | 11.9051% | 2,021 |
| Tier 1 risk-based capital ratio | 14.1912% | 3,452 |
| Total risk-based capital ratio | 15.0299% | 3,574 |
| Memoranda: | ||
| Average total assets | $50,042,800 | 6,774 |
| Average earning assets | $46,577,200 | 6,738 |
| Average equity | $6,035,800 | 6,793 |
| Average total loans | $33,103,000 | 6,539 |