Home > Hart County Bank and Trust Company > Performance and Condition Ratios
Hart County Bank and Trust 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 | 4.4485% | 3,191 |
| Cost of funding earning assets | 0.1562% | 4,463 |
| Net interest margin | 4.2923% | 824 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.5161% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2175% | 1,611 |
| Return on assets (ROA) | 1.2175% | 1,581 |
| Pretax return on assets | 1.6762% | 1,108 |
| Return on Equity (ROE) | 4.6000% | 3,797 |
| Retained earnings to average equity (ytd only) | 0.5999% | 3,934 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.0168% | 3,075 |
| Assets per employee ($millions) | 4.4655% | 3,970 |
| Cash dividends to net income (ytd only)* | 86.9565% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4554% | 39 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.5900% | 2,299 |
| Net loans and leases to deposits | 92.3146% | 1,063 |
| Net loans and leases to core deposits | 92.3146% | 1,884 |
| Total domestic deposits to total assets | 71.0500% | 4,258 |
| Equity capital to assets | 28.1715% | 164 |
| Core capital (leverage) ratio | 27.9566% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5853% | 170 |
| Memoranda: | ||
| Average total assets | $28,337,400 | 4,479 |
| Average earning assets | $26,885,200 | 4,439 |
| Average equity | $7,501,200 | 3,987 |
| Average total loans | $19,876,000 | 4,295 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 3,174 |
| Cost of funding earning assets | 0.1519% | 4,473 |
| Net interest margin | 4.2087% | 911 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.4091% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2533% | 1,642 |
| Return on assets (ROA) | 1.2533% | 1,636 |
| Pretax return on assets | 1.7036% | 1,157 |
| Return on Equity (ROE) | 4.8100% | 3,844 |
| Retained earnings to average equity (ytd only) | -0.5341% | 4,217 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.5779% | 3,137 |
| Assets per employee ($millions) | 4.6178% | 3,869 |
| Cash dividends to net income (ytd only)* | 111.1111% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2330% | 41 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.2800% | 2,218 |
| Net loans and leases to deposits | 91.5769% | 1,088 |
| Net loans and leases to core deposits | 91.5769% | 1,828 |
| Total domestic deposits to total assets | 72.3700% | 4,238 |
| Equity capital to assets | 26.9715% | 180 |
| Core capital (leverage) ratio | 27.0928% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2802% | 190 |
| Memoranda: | ||
| Average total assets | $28,723,500 | 4,492 |
| Average earning assets | $27,212,500 | 4,457 |
| Average equity | $7,489,500 | 3,995 |
| Average total loans | $20,198,250 | 4,304 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 3,128 |
| Cost of funding earning assets | 0.1524% | 4,473 |
| Net interest margin | 4.1298% | 1,040 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3536% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2594% | 1,665 |
| Return on assets (ROA) | 1.2594% | 1,657 |
| Pretax return on assets | 1.7067% | 1,200 |
| Return on Equity (ROE) | 4.8800% | 3,891 |
| Retained earnings to average equity (ytd only) | -3.1221% | 4,353 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.9661% | 3,195 |
| Assets per employee ($millions) | 4.5752% | 3,900 |
| Cash dividends to net income (ytd only)* | 163.9344% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3659% | 41 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.1500% | 2,258 |
| Net loans and leases to deposits | 89.9050% | 1,196 |
| Net loans and leases to core deposits | 89.9050% | 1,804 |
| Total domestic deposits to total assets | 72.4600% | 4,274 |
| Equity capital to assets | 26.9061% | 176 |
| Core capital (leverage) ratio | 26.7512% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5952% | 179 |
| Memoranda: | ||
| Average total assets | $29,062,333 | 4,517 |
| Average earning assets | $27,556,000 | 4,485 |
| Average equity | $7,495,000 | 4,015 |
| Average total loans | $20,472,000 | 4,322 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,998 |
| Cost of funding earning assets | 0.1695% | 4,423 |
| Net interest margin | 4.0530% | 1,171 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.7856% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2455% | 1,807 |
| Return on assets (ROA) | 1.2455% | 1,781 |
| Pretax return on assets | 1.2455% | 2,314 |
| Return on Equity (ROE) | 4.9300% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.9275% | 3,039 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.1030% | 1,844 |
| Assets per employee ($millions) | 4.6743% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2398% | 39 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.3900% | 2,121 |
| Net loans and leases to deposits | 90.5446% | 1,010 |
| Net loans and leases to core deposits | 90.5446% | 1,585 |
| Total domestic deposits to total assets | 72.2100% | 4,353 |
| Equity capital to assets | 27.0841% | 134 |
| Core capital (leverage) ratio | 26.5883% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7127% | 185 |
| Memoranda: | ||
| Average total assets | $29,868,000 | 4,575 |
| Average earning assets | $28,325,000 | 4,546 |
| Average equity | $7,549,500 | 4,054 |
| Average total loans | $21,259,500 | 4,376 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 2,209 |
| Cost of funding earning assets | 0.2445% | 3,370 |
| Net interest margin | 3.5801% | 1,702 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.4087% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1019% | 2,165 |
| Return on assets (ROA) | 1.1143% | 2,046 |
| Pretax return on assets | 1.1143% | 2,720 |
| Return on Equity (ROE) | 4.8900% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.8915% | 3,095 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6118% | 1,889 |
| Assets per employee ($millions) | 5.2817% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3769% | 53 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 69.9100% | 1,649 |
| Net loans and leases to deposits | 92.1276% | 907 |
| Net loans and leases to core deposits | 93.2208% | 1,336 |
| Total domestic deposits to total assets | 75.8800% | 4,259 |
| Equity capital to assets | 23.6762% | 164 |
| Core capital (leverage) ratio | 23.3418% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0326% | 237 |
| Memoranda: | ||
| Average total assets | $32,216,600 | 4,595 |
| Average earning assets | $30,669,800 | 4,563 |
| Average equity | $7,339,200 | 4,171 |
| Average total loans | $22,802,800 | 4,362 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 2,073 |
| Cost of funding earning assets | 0.2512% | 2,694 |
| Net interest margin | 3.4385% | 1,846 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.3288% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0510% | 2,282 |
| Return on assets (ROA) | 1.0675% | 2,178 |
| Pretax return on assets | 1.0675% | 2,820 |
| Return on Equity (ROE) | 4.7300% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.7316% | 3,187 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.9024% | 1,896 |
| Assets per employee ($millions) | 5.3908% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3630% | 54 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.7200% | 1,591 |
| Net loans and leases to deposits | 89.3620% | 937 |
| Net loans and leases to core deposits | 90.3867% | 1,274 |
| Total domestic deposits to total assets | 76.9000% | 4,325 |
| Equity capital to assets | 22.8876% | 164 |
| Core capital (leverage) ratio | 22.9401% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3660% | 265 |
| Memoranda: | ||
| Average total assets | $32,348,250 | 4,626 |
| Average earning assets | $30,788,000 | 4,599 |
| Average equity | $7,298,250 | 4,218 |
| Average total loans | $22,711,750 | 4,396 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 1,853 |
| Cost of funding earning assets | 0.2532% | 2,220 |
| Net interest margin | 3.3439% | 1,779 |
| Noninterest income to average assets | 0.1113% | 4,441 |
| Noninterest expense to average assets | 2.1577% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1376% | 1,639 |
| Return on assets (ROA) | 1.1623% | 1,538 |
| Pretax return on assets | 1.1623% | 2,196 |
| Return on Equity (ROE) | 5.1767% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.1767% | 2,643 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4784% | 2,583 |
| Assets per employee ($millions) | 6.4492% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4782% | 50 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.0750% | 1,570 |
| Net loans and leases to deposits | 86.8914% | 915 |
| Net loans and leases to core deposits | 87.8728% | 1,228 |
| Total domestic deposits to total assets | 77.1941% | 4,403 |
| Equity capital to assets | 22.7966% | 117 |
| Core capital (leverage) ratio | 22.3720% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3330% | 236 |
| Memoranda: | ||
| Average total assets | $32,349,333 | 4,662 |
| Average earning assets | $30,802,333 | 4,649 |
| Average equity | $7,263,333 | 4,287 |
| Average total loans | $22,535,333 | 4,454 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 1,564 |
| Cost of funding earning assets | 0.2594% | 2,050 |
| Net interest margin | 3.3199% | 1,528 |
| Noninterest income to average assets | 0.1111% | 4,453 |
| Noninterest expense to average assets | 1.9012% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3703% | 855 |
| Return on assets (ROA) | 1.4197% | 754 |
| Pretax return on assets | 1.4197% | 1,203 |
| Return on Equity (ROE) | 6.3716% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.3716% | 2,117 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1132% | 3,669 |
| Assets per employee ($millions) | 6.5228% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3911% | 57 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.6949% | 1,244 |
| Net loans and leases to deposits | 87.2752% | 661 |
| Net loans and leases to core deposits | 88.2485% | 1,007 |
| Total domestic deposits to total assets | 77.5648% | 4,434 |
| Equity capital to assets | 22.3125% | 115 |
| Core capital (leverage) ratio | 22.4377% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2051% | 259 |
| Memoranda: | ||
| Average total assets | $32,401,000 | 4,688 |
| Average earning assets | $30,844,500 | 4,674 |
| Average equity | $7,219,500 | 4,344 |
| Average total loans | $22,481,500 | 4,473 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 1,849 |
| Cost of funding earning assets | 0.3421% | 2,008 |
| Net interest margin | 3.4646% | 1,842 |
| Noninterest income to average assets | 0.1209% | 4,529 |
| Noninterest expense to average assets | 2.1799% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2284% | 1,822 |
| Return on assets (ROA) | 1.2316% | 1,864 |
| Pretax return on assets | 1.2316% | 2,570 |
| Return on Equity (ROE) | 5.6051% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.6051% | 2,516 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9589% | 2,572 |
| Assets per employee ($millions) | 6.4376% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6363% | 49 |
| Loan loss allowance to noncurrent loans | 4,408.6957% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,461 |
| Noncurrent loans to loans | 0.1052% | 3,400 |
| Net loans and leases to total assets | 64.7974% | 1,612 |
| Net loans and leases to deposits | 83.4280% | 954 |
| Net loans and leases to core deposits | 84.3559% | 1,305 |
| Total domestic deposits to total assets | 77.6687% | 4,427 |
| Equity capital to assets | 22.2505% | 122 |
| Core capital (leverage) ratio | 21.9404% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5285% | 270 |
| Memoranda: | ||
| Average total assets | $31,423,800 | 4,735 |
| Average earning assets | $29,815,800 | 4,717 |
| Average equity | $6,904,400 | 4,433 |
| Average total loans | $21,079,600 | 4,551 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 1,929 |
| Cost of funding earning assets | 0.3650% | 1,980 |
| Net interest margin | 3.4786% | 1,930 |
| Noninterest income to average assets | 0.1281% | 4,553 |
| Noninterest expense to average assets | 2.2326% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1910% | 2,196 |
| Return on assets (ROA) | 1.1910% | 2,256 |
| Pretax return on assets | 1.1910% | 2,961 |
| Return on Equity (ROE) | 5.4385% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.4385% | 3,057 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2120% | 2,216 |
| Assets per employee ($millions) | 6.3440% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7977% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.4332% | 1,847 |
| Net loans and leases to deposits | 81.6798% | 1,137 |
| Net loans and leases to core deposits | 82.6019% | 1,529 |
| Total domestic deposits to total assets | 77.6608% | 4,452 |
| Equity capital to assets | 22.2383% | 130 |
| Core capital (leverage) ratio | 22.3809% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1453% | 272 |
| Memoranda: | ||
| Average total assets | $31,232,750 | 4,807 |
| Average earning assets | $29,589,500 | 4,788 |
| Average equity | $6,840,000 | 4,500 |
| Average total loans | $20,881,750 | 4,617 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 1,959 |
| Cost of funding earning assets | 0.3953% | 1,924 |
| Net interest margin | 3.4487% | 2,014 |
| Noninterest income to average assets | 0.1352% | 4,526 |
| Noninterest expense to average assets | 2.3817% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0106% | 2,855 |
| Return on assets (ROA) | 1.0106% | 2,939 |
| Pretax return on assets | 1.0106% | 3,427 |
| Return on Equity (ROE) | 4.6390% | 4,202 |
| Retained earnings to average equity (ytd only) | 4.6390% | 3,315 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2087% | 1,610 |
| Assets per employee ($millions) | 6.1766% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8619% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.2489% | 1,920 |
| Net loans and leases to deposits | 82.9238% | 1,130 |
| Net loans and leases to core deposits | 83.8772% | 1,572 |
| Total domestic deposits to total assets | 77.4795% | 4,482 |
| Equity capital to assets | 22.4460% | 120 |
| Core capital (leverage) ratio | 22.3974% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2622% | 268 |
| Memoranda: | ||
| Average total assets | $31,070,333 | 4,840 |
| Average earning assets | $29,344,333 | 4,820 |
| Average equity | $6,768,667 | 4,532 |
| Average total loans | $20,797,333 | 4,650 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 2,021 |
| Cost of funding earning assets | 0.4207% | 1,934 |
| Net interest margin | 3.4063% | 2,092 |
| Noninterest income to average assets | 0.1669% | 4,366 |
| Noninterest expense to average assets | 2.5927% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7958% | 3,435 |
| Return on assets (ROA) | 0.7958% | 3,504 |
| Pretax return on assets | 0.7958% | 3,820 |
| Return on Equity (ROE) | 3.7087% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.7087% | 3,589 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5152% | 1,085 |
| Assets per employee ($millions) | 6.2078% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9875% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.2346% | 2,265 |
| Net loans and leases to deposits | 79.4252% | 1,579 |
| Net loans and leases to core deposits | 80.3235% | 1,972 |
| Total domestic deposits to total assets | 78.3563% | 4,403 |
| Equity capital to assets | 21.6437% | 132 |
| Core capital (leverage) ratio | 21.6068% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5552% | 282 |
| Memoranda: | ||
| Average total assets | $31,164,000 | 4,864 |
| Average earning assets | $29,475,000 | 4,844 |
| Average equity | $6,687,000 | 4,557 |
| Average total loans | $20,768,000 | 4,677 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 1,820 |
| Cost of funding earning assets | 0.5990% | 2,320 |
| Net interest margin | 3.7183% | 1,736 |
| Noninterest income to average assets | 0.1295% | 4,630 |
| Noninterest expense to average assets | 2.8385% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6645% | 3,541 |
| Return on assets (ROA) | 0.6645% | 3,668 |
| Pretax return on assets | 0.7599% | 3,740 |
| Return on Equity (ROE) | 2.9729% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.9729% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8826% | 971 |
| Assets per employee ($millions) | 5.2148% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7819% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.5307% | 2,291 |
| Net loans and leases to deposits | 82.0739% | 1,655 |
| Net loans and leases to core deposits | 82.9813% | 2,120 |
| Total domestic deposits to total assets | 78.6251% | 4,247 |
| Equity capital to assets | 21.2727% | 156 |
| Core capital (leverage) ratio | 21.6244% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4015% | 308 |
| Memoranda: | ||
| Average total assets | $29,346,800 | 4,883 |
| Average earning assets | $27,378,000 | 4,864 |
| Average equity | $6,559,200 | 4,577 |
| Average total loans | $19,615,400 | 4,726 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 1,954 |
| Cost of funding earning assets | 0.6249% | 2,458 |
| Net interest margin | 3.7347% | 1,818 |
| Noninterest income to average assets | 0.1386% | 4,607 |
| Noninterest expense to average assets | 2.9150% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7022% | 3,450 |
| Return on assets (ROA) | 0.7022% | 3,552 |
| Pretax return on assets | 0.7022% | 3,893 |
| Return on Equity (ROE) | 3.1012% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.1012% | 3,477 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5875% | 834 |
| Assets per employee ($millions) | 5.0240% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1830% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 61.5380% | 3,066 |
| Net loans and leases to deposits | 78.9429% | 2,430 |
| Net loans and leases to core deposits | 80.7364% | 2,780 |
| Total domestic deposits to total assets | 77.9525% | 4,209 |
| Equity capital to assets | 21.9380% | 149 |
| Core capital (leverage) ratio | 22.3654% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8616% | 280 |
| Memoranda: | ||
| Average total assets | $28,861,250 | 4,916 |
| Average earning assets | $26,882,000 | 4,897 |
| Average equity | $6,535,000 | 4,603 |
| Average total loans | $19,218,000 | 4,764 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,114 |
| Cost of funding earning assets | 0.6520% | 2,686 |
| Net interest margin | 3.7828% | 1,878 |
| Noninterest income to average assets | 0.1407% | 4,597 |
| Noninterest expense to average assets | 3.0527% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5979% | 3,746 |
| Return on assets (ROA) | 0.5979% | 3,820 |
| Pretax return on assets | 0.5979% | 4,070 |
| Return on Equity (ROE) | 2.6118% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.6118% | 3,545 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6224% | 663 |
| Assets per employee ($millions) | 4.9412% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3617% | 32 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.3704% | 3,285 |
| Net loans and leases to deposits | 77.5813% | 2,701 |
| Net loans and leases to core deposits | 80.2637% | 2,929 |
| Total domestic deposits to total assets | 77.8156% | 4,210 |
| Equity capital to assets | 22.0764% | 144 |
| Core capital (leverage) ratio | 22.9094% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3261% | 277 |
| Memoranda: | ||
| Average total assets | $28,433,667 | 4,949 |
| Average earning assets | $26,382,333 | 4,931 |
| Average equity | $6,509,000 | 4,627 |
| Average total loans | $19,102,667 | 4,792 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,918 |
| Cost of funding earning assets | 0.6479% | 3,181 |
| Net interest margin | 3.9799% | 1,441 |
| Noninterest income to average assets | 0.1725% | 4,506 |
| Noninterest expense to average assets | 3.0043% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8768% | 2,592 |
| Return on assets (ROA) | 0.8768% | 2,696 |
| Pretax return on assets | 0.8768% | 3,203 |
| Return on Equity (ROE) | 3.7591% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.7591% | 2,780 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4074% | 1,411 |
| Assets per employee ($millions) | 4.7268% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1171% | 41 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.2953% | 2,782 |
| Net loans and leases to deposits | 86.2319% | 1,970 |
| Net loans and leases to core deposits | 88.3304% | 2,497 |
| Total domestic deposits to total assets | 76.8802% | 4,369 |
| Equity capital to assets | 22.9964% | 151 |
| Core capital (leverage) ratio | 22.9236% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7938% | 312 |
| Memoranda: | ||
| Average total assets | $27,827,000 | 4,994 |
| Average earning assets | $25,930,000 | 4,979 |
| Average equity | $6,491,000 | 4,666 |
| Average total loans | $19,198,000 | 4,823 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 2,740 |
| Cost of funding earning assets | 0.4676% | 4,210 |
| Net interest margin | 4.0947% | 1,558 |
| Noninterest income to average assets | 0.1896% | 4,532 |
| Noninterest expense to average assets | 2.6238% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3839% | 1,397 |
| Return on assets (ROA) | 1.3801% | 1,488 |
| Pretax return on assets | 1.3801% | 2,231 |
| Return on Equity (ROE) | 5.7916% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.7916% | 1,981 |
| Net charge-offs to loans | -0.0833% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4683% | 2,843 |
| Assets per employee ($millions) | 5.4586% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4575% | 25 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.3608% | 3,148 |
| Net loans and leases to deposits | 84.4438% | 2,287 |
| Net loans and leases to core deposits | 85.5251% | 2,824 |
| Total domestic deposits to total assets | 76.2173% | 4,578 |
| Equity capital to assets | 23.6691% | 144 |
| Core capital (leverage) ratio | 23.1790% | 150 |
| Tier 1 risk-based capital ratio | 28.8741% | 520 |
| Total risk-based capital ratio | 30.1614% | 509 |
| Memoranda: | ||
| Average total assets | $26,374,200 | 5,062 |
| Average earning assets | $24,592,800 | 5,047 |
| Average equity | $6,285,000 | 4,722 |
| Average total loans | $16,807,200 | 4,933 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 3,170 |
| Cost of funding earning assets | 0.4479% | 4,335 |
| Net interest margin | 4.0146% | 1,890 |
| Noninterest income to average assets | 0.1989% | 4,527 |
| Noninterest expense to average assets | 2.6519% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2953% | 1,879 |
| Return on assets (ROA) | 1.3055% | 1,919 |
| Pretax return on assets | 1.3055% | 2,650 |
| Return on Equity (ROE) | 5.4688% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.4688% | 2,639 |
| Net charge-offs to loans | -0.1141% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1835% | 2,553 |
| Assets per employee ($millions) | 3.8540% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6915% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.2804% | 3,466 |
| Net loans and leases to deposits | 81.8253% | 2,707 |
| Net loans and leases to core deposits | 82.8828% | 3,188 |
| Total domestic deposits to total assets | 76.1139% | 4,641 |
| Equity capital to assets | 23.5451% | 148 |
| Core capital (leverage) ratio | 23.7414% | 142 |
| Tier 1 risk-based capital ratio | 29.1443% | 512 |
| Total risk-based capital ratio | 30.4336% | 503 |
| Memoranda: | ||
| Average total assets | $26,144,500 | 5,141 |
| Average earning assets | $24,410,500 | 5,124 |
| Average equity | $6,241,250 | 4,794 |
| Average total loans | $16,364,000 | 5,015 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 3,527 |
| Cost of funding earning assets | 0.4368% | 4,368 |
| Net interest margin | 3.8985% | 2,247 |
| Noninterest income to average assets | 0.2320% | 4,362 |
| Noninterest expense to average assets | 2.7216% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1675% | 2,267 |
| Return on assets (ROA) | 1.1830% | 2,277 |
| Pretax return on assets | 1.1830% | 2,962 |
| Return on Equity (ROE) | 4.9320% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.9320% | 2,804 |
| Net charge-offs to loans | -0.0756% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9801% | 2,229 |
| Assets per employee ($millions) | 3.6997% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2742% | 18 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.0276% | 3,910 |
| Net loans and leases to deposits | 76.7518% | 3,266 |
| Net loans and leases to core deposits | 77.7847% | 3,594 |
| Total domestic deposits to total assets | 75.6043% | 4,713 |
| Equity capital to assets | 24.1370% | 135 |
| Core capital (leverage) ratio | 24.0998% | 133 |
| Tier 1 risk-based capital ratio | 31.4405% | 438 |
| Total risk-based capital ratio | 32.7331% | 426 |
| Memoranda: | ||
| Average total assets | $25,866,670 | 5,190 |
| Average earning assets | $24,266,000 | 5,172 |
| Average equity | $6,204,330 | 4,827 |
| Average total loans | $15,880,000 | 5,067 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 3,604 |
| Cost of funding earning assets | 0.4284% | 4,368 |
| Net interest margin | 3.8558% | 2,324 |
| Noninterest income to average assets | 0.2785% | 4,018 |
| Noninterest expense to average assets | 2.6924% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2069% | 2,028 |
| Return on assets (ROA) | 1.2069% | 2,078 |
| Pretax return on assets | 1.2069% | 2,780 |
| Return on Equity (ROE) | 5.0477% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.0477% | 2,888 |
| Net charge-offs to loans | -0.1519% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0476% | 2,494 |
| Assets per employee ($millions) | 3.7604% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5227% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 54.7696% | 4,151 |
| Net loans and leases to deposits | 71.8551% | 3,612 |
| Net loans and leases to core deposits | 72.7984% | 3,886 |
| Total domestic deposits to total assets | 76.2223% | 4,738 |
| Equity capital to assets | 23.6295% | 135 |
| Core capital (leverage) ratio | 24.1432% | 128 |
| Tier 1 risk-based capital ratio | 30.8899% | 447 |
| Total risk-based capital ratio | 32.1861% | 435 |
| Memoranda: | ||
| Average total assets | $25,851,000 | 5,245 |
| Average earning assets | $24,275,000 | 5,225 |
| Average equity | $6,181,000 | 4,868 |
| Average total loans | $15,803,000 | 5,132 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,584 |
| Cost of funding earning assets | 0.3084% | 4,529 |
| Net interest margin | 3.8415% | 2,528 |
| Noninterest income to average assets | 0.1893% | 4,769 |
| Noninterest expense to average assets | 2.2720% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5487% | 996 |
| Return on assets (ROA) | 1.5109% | 1,075 |
| Pretax return on assets | 1.5109% | 1,746 |
| Return on Equity (ROE) | 6.7032% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.7032% | 1,819 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4648% | 3,949 |
| Assets per employee ($millions) | 3.6256% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1855% | 22 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.8211% | 3,798 |
| Net loans and leases to deposits | 79.1719% | 3,040 |
| Net loans and leases to core deposits | 80.2474% | 3,411 |
| Total domestic deposits to total assets | 75.5585% | 4,803 |
| Equity capital to assets | 24.2011% | 121 |
| Core capital (leverage) ratio | 24.2002% | 125 |
| Tier 1 risk-based capital ratio | 28.8927% | 516 |
| Total risk-based capital ratio | 30.1816% | 509 |
| Memoranda: | ||
| Average total assets | $26,408,600 | 5,286 |
| Average earning assets | $24,964,200 | 5,265 |
| Average equity | $5,952,400 | 4,908 |
| Average total loans | $15,959,000 | 5,171 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 4,327 |
| Cost of funding earning assets | 0.2796% | 4,635 |
| Net interest margin | 3.5667% | 3,472 |
| Noninterest income to average assets | 0.1950% | 4,807 |
| Noninterest expense to average assets | 2.0300% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5450% | 1,077 |
| Return on assets (ROA) | 1.4950% | 1,204 |
| Pretax return on assets | 1.4950% | 1,913 |
| Return on Equity (ROE) | 6.7512% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.7512% | 2,262 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7832% | 4,281 |
| Assets per employee ($millions) | 4.4522% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1523% | 23 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.1033% | 4,126 |
| Net loans and leases to deposits | 74.0917% | 3,584 |
| Net loans and leases to core deposits | 75.0172% | 3,877 |
| Total domestic deposits to total assets | 77.0711% | 4,633 |
| Equity capital to assets | 22.6369% | 149 |
| Core capital (leverage) ratio | 22.8707% | 141 |
| Tier 1 risk-based capital ratio | 27.9915% | 572 |
| Total risk-based capital ratio | 29.2830% | 558 |
| Memoranda: | ||
| Average total assets | $26,666,000 | 5,352 |
| Average earning assets | $25,270,000 | 5,325 |
| Average equity | $5,905,000 | 4,964 |
| Average total loans | $15,903,000 | 5,238 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,564 |
| Cost of funding earning assets | 0.2767% | 4,583 |
| Net interest margin | 3.7869% | 2,609 |
| Noninterest income to average assets | 0.2026% | 4,806 |
| Noninterest expense to average assets | 2.1013% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6960% | 723 |
| Return on assets (ROA) | 1.7786% | 614 |
| Pretax return on assets | 1.7786% | 1,012 |
| Return on Equity (ROE) | 8.0920% | 3,461 |
| Retained earnings to average equity (ytd only) | 8.0920% | 1,590 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3360% | 4,552 |
| Assets per employee ($millions) | 3.7657% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5746% | 20 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 53.9074% | 4,344 |
| Net loans and leases to deposits | 70.0414% | 3,853 |
| Net loans and leases to core deposits | 70.9294% | 4,084 |
| Total domestic deposits to total assets | 76.9651% | 4,740 |
| Equity capital to assets | 22.7200% | 147 |
| Core capital (leverage) ratio | 22.3445% | 155 |
| Tier 1 risk-based capital ratio | 29.3463% | 500 |
| Total risk-based capital ratio | 30.6399% | 492 |
| Memoranda: | ||
| Average total assets | $26,650,330 | 5,414 |
| Average earning assets | $25,298,000 | 5,386 |
| Average equity | $5,857,670 | 5,023 |
| Average total loans | $15,786,000 | 5,299 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,003 |
| Cost of funding earning assets | 0.2845% | 4,462 |
| Net interest margin | 4.1728% | 1,237 |
| Noninterest income to average assets | 0.2538% | 4,487 |
| Noninterest expense to average assets | 2.5975% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5973% | 865 |
| Return on assets (ROA) | 1.7018% | 696 |
| Pretax return on assets | 1.7018% | 1,113 |
| Return on Equity (ROE) | 7.8729% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.8729% | 1,890 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9217% | 3,802 |
| Assets per employee ($millions) | 3.8086% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2688% | 23 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 56.0840% | 4,114 |
| Net loans and leases to deposits | 72.2389% | 3,579 |
| Net loans and leases to core deposits | 73.1364% | 3,873 |
| Total domestic deposits to total assets | 77.6369% | 4,781 |
| Equity capital to assets | 21.9842% | 157 |
| Core capital (leverage) ratio | 21.8972% | 156 |
| Tier 1 risk-based capital ratio | 27.5747% | 587 |
| Total risk-based capital ratio | 28.8638% | 570 |
| Memoranda: | ||
| Average total assets | $26,795,500 | 5,471 |
| Average earning assets | $25,306,500 | 5,446 |
| Average equity | $5,792,000 | 5,089 |
| Average total loans | $16,074,000 | 5,351 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,769 |
| Cost of funding earning assets | 0.2574% | 4,504 |
| Net interest margin | 3.6302% | 3,061 |
| Noninterest income to average assets | 0.2063% | 4,908 |
| Noninterest expense to average assets | 2.2873% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3391% | 1,144 |
| Return on assets (ROA) | 1.3535% | 1,132 |
| Pretax return on assets | 1.3535% | 2,155 |
| Return on Equity (ROE) | 6.4339% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.4339% | 1,315 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0739% | 3,764 |
| Assets per employee ($millions) | 3.3664% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1744% | 22 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 56.4257% | 4,147 |
| Net loans and leases to deposits | 72.1763% | 3,686 |
| Net loans and leases to core deposits | 72.1763% | 4,035 |
| Total domestic deposits to total assets | 78.1776% | 4,690 |
| Equity capital to assets | 21.2506% | 171 |
| Core capital (leverage) ratio | 20.6271% | 185 |
| Tier 1 risk-based capital ratio | 26.4868% | 626 |
| Total risk-based capital ratio | 27.7780% | 613 |
| Memoranda: | ||
| Average total assets | $27,631,200 | 5,523 |
| Average earning assets | $26,031,800 | 5,496 |
| Average equity | $5,813,000 | 5,129 |
| Average total loans | $15,292,600 | 5,432 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,606 |
| Cost of funding earning assets | 0.2590% | 4,491 |
| Net interest margin | 3.6660% | 2,884 |
| Noninterest income to average assets | 0.1870% | 5,079 |
| Noninterest expense to average assets | 2.4167% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2323% | 1,569 |
| Return on assets (ROA) | 1.2515% | 1,531 |
| Pretax return on assets | 1.2515% | 2,697 |
| Return on Equity (ROE) | 5.9633% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.9633% | 2,261 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2286% | 3,173 |
| Assets per employee ($millions) | 3.4271% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1850% | 36 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.6261% | 4,264 |
| Net loans and leases to deposits | 71.7053% | 3,802 |
| Net loans and leases to core deposits | 71.7053% | 4,152 |
| Total domestic deposits to total assets | 77.5760% | 4,794 |
| Equity capital to assets | 21.8551% | 159 |
| Core capital (leverage) ratio | 21.2943% | 167 |
| Tier 1 risk-based capital ratio | 27.3632% | 597 |
| Total risk-based capital ratio | 28.6419% | 589 |
| Memoranda: | ||
| Average total assets | $27,806,250 | 5,583 |
| Average earning assets | $26,258,500 | 5,554 |
| Average equity | $5,835,500 | 5,185 |
| Average total loans | $15,066,750 | 5,495 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 3,960 |
| Cost of funding earning assets | 0.2505% | 4,538 |
| Net interest margin | 3.5299% | 3,296 |
| Noninterest income to average assets | 0.2076% | 5,006 |
| Noninterest expense to average assets | 2.3196% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2171% | 1,544 |
| Return on assets (ROA) | 1.2529% | 1,454 |
| Pretax return on assets | 1.2529% | 2,568 |
| Return on Equity (ROE) | 6.0519% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0519% | 2,082 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5870% | 3,417 |
| Assets per employee ($millions) | 3.1370% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7072% | 29 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 48.8046% | 4,778 |
| Net loans and leases to deposits | 62.0592% | 4,498 |
| Net loans and leases to core deposits | 62.0592% | 4,713 |
| Total domestic deposits to total assets | 78.6420% | 4,700 |
| Equity capital to assets | 20.9188% | 188 |
| Core capital (leverage) ratio | 21.0373% | 167 |
| Tier 1 risk-based capital ratio | 28.3044% | 535 |
| Total risk-based capital ratio | 29.5840% | 524 |
| Memoranda: | ||
| Average total assets | $27,936,000 | 5,626 |
| Average earning assets | $26,346,000 | 5,600 |
| Average equity | $5,783,330 | 5,222 |
| Average total loans | $14,727,330 | 5,551 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 3,701 |
| Cost of funding earning assets | 0.2443% | 4,583 |
| Net interest margin | 3.5735% | 2,989 |
| Noninterest income to average assets | 0.2591% | 4,677 |
| Noninterest expense to average assets | 2.4327% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1948% | 1,514 |
| Return on assets (ROA) | 1.2668% | 1,363 |
| Pretax return on assets | 1.2668% | 2,361 |
| Return on Equity (ROE) | 6.1517% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.1517% | 2,251 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0635% | 3,334 |
| Assets per employee ($millions) | 3.4691% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6222% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.4450% | 4,638 |
| Net loans and leases to deposits | 64.2526% | 4,293 |
| Net loans and leases to core deposits | 64.2526% | 4,520 |
| Total domestic deposits to total assets | 78.5104% | 4,908 |
| Equity capital to assets | 20.9635% | 173 |
| Core capital (leverage) ratio | 20.8135% | 174 |
| Tier 1 risk-based capital ratio | 27.7788% | 574 |
| Total risk-based capital ratio | 29.0584% | 559 |
| Memoranda: | ||
| Average total assets | $27,787,500 | 5,692 |
| Average earning assets | $26,192,500 | 5,669 |
| Average equity | $5,722,000 | 5,279 |
| Average total loans | $14,784,500 | 5,613 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 3,945 |
| Cost of funding earning assets | 0.2428% | 4,629 |
| Net interest margin | 3.5460% | 3,266 |
| Noninterest income to average assets | 0.2349% | 5,007 |
| Noninterest expense to average assets | 2.5514% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9577% | 2,545 |
| Return on assets (ROA) | 0.9577% | 2,654 |
| Pretax return on assets | 1.0083% | 3,446 |
| Return on Equity (ROE) | 4.8215% | 4,504 |
| Retained earnings to average equity (ytd only) | 3.7298% | 3,265 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6751% | 2,636 |
| Assets per employee ($millions) | 3.9746% | 4,014 |
| Cash dividends to net income (ytd only)* | 22.6415% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6668% | 29 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.9605% | 4,765 |
| Net loans and leases to deposits | 63.0214% | 4,472 |
| Net loans and leases to core deposits | 63.0214% | 4,691 |
| Total domestic deposits to total assets | 79.2754% | 4,728 |
| Equity capital to assets | 20.2214% | 203 |
| Core capital (leverage) ratio | 20.1418% | 192 |
| Tier 1 risk-based capital ratio | 26.8570% | 625 |
| Total risk-based capital ratio | 28.1363% | 614 |
| Memoranda: | ||
| Average total assets | $27,671,400 | 5,748 |
| Average earning assets | $25,944,600 | 5,725 |
| Average equity | $5,496,200 | 5,371 |
| Average total loans | $14,169,200 | 5,681 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 3,873 |
| Cost of funding earning assets | 0.2319% | 4,776 |
| Net interest margin | 3.5874% | 3,124 |
| Noninterest income to average assets | 0.2218% | 5,140 |
| Noninterest expense to average assets | 2.5799% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9982% | 2,442 |
| Return on assets (ROA) | 0.9982% | 2,581 |
| Pretax return on assets | 0.9982% | 3,642 |
| Return on Equity (ROE) | 5.0375% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.0375% | 2,804 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1024% | 2,566 |
| Assets per employee ($millions) | 3.9497% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8010% | 31 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.0415% | 4,891 |
| Net loans and leases to deposits | 61.9925% | 4,628 |
| Net loans and leases to core deposits | 61.9925% | 4,831 |
| Total domestic deposits to total assets | 79.1088% | 4,696 |
| Equity capital to assets | 20.3559% | 216 |
| Core capital (leverage) ratio | 20.4202% | 187 |
| Tier 1 risk-based capital ratio | 27.2226% | 622 |
| Total risk-based capital ratio | 28.5044% | 612 |
| Memoranda: | ||
| Average total assets | $27,648,750 | 5,811 |
| Average earning assets | $25,868,000 | 5,786 |
| Average equity | $5,478,750 | 5,428 |
| Average total loans | $14,027,750 | 5,744 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 3,765 |
| Cost of funding earning assets | 0.2403% | 4,751 |
| Net interest margin | 3.6127% | 3,046 |
| Noninterest income to average assets | 0.2315% | 5,094 |
| Noninterest expense to average assets | 2.6041% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9982% | 2,404 |
| Return on assets (ROA) | 0.9982% | 2,537 |
| Pretax return on assets | 0.9982% | 3,592 |
| Return on Equity (ROE) | 5.0838% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.0838% | 2,673 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2892% | 2,605 |
| Assets per employee ($millions) | 3.9321% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7752% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.4351% | 4,879 |
| Net loans and leases to deposits | 62.1551% | 4,643 |
| Net loans and leases to core deposits | 62.1551% | 4,874 |
| Total domestic deposits to total assets | 79.5350% | 4,663 |
| Equity capital to assets | 19.9782% | 221 |
| Core capital (leverage) ratio | 19.6963% | 207 |
| Tier 1 risk-based capital ratio | 26.6502% | 674 |
| Total risk-based capital ratio | 27.9345% | 658 |
| Memoranda: | ||
| Average total assets | $27,649,000 | 5,888 |
| Average earning assets | $25,798,000 | 5,861 |
| Average equity | $5,429,000 | 5,489 |
| Average total loans | $13,905,670 | 5,817 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,236 |
| Cost of funding earning assets | 0.2452% | 4,751 |
| Net interest margin | 3.4781% | 3,563 |
| Noninterest income to average assets | 0.2310% | 5,091 |
| Noninterest expense to average assets | 2.5549% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9527% | 2,500 |
| Return on assets (ROA) | 0.9527% | 2,617 |
| Pretax return on assets | 0.9527% | 3,653 |
| Return on Equity (ROE) | 4.8943% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.8943% | 3,005 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8395% | 2,673 |
| Assets per employee ($millions) | 3.9781% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0916% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.1701% | 5,102 |
| Net loans and leases to deposits | 57.6134% | 4,876 |
| Net loans and leases to core deposits | 57.6134% | 5,068 |
| Total domestic deposits to total assets | 80.1379% | 4,720 |
| Equity capital to assets | 19.4886% | 235 |
| Core capital (leverage) ratio | 19.3462% | 218 |
| Tier 1 risk-based capital ratio | 26.9036% | 682 |
| Total risk-based capital ratio | 28.1876% | 664 |
| Memoranda: | ||
| Average total assets | $27,711,000 | 5,947 |
| Average earning assets | $26,106,000 | 5,916 |
| Average equity | $5,394,000 | 5,530 |
| Average total loans | $13,638,000 | 5,883 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 4,917 |
| Cost of funding earning assets | 0.2810% | 4,476 |
| Net interest margin | 3.2197% | 4,556 |
| Noninterest income to average assets | 0.3096% | 4,673 |
| Noninterest expense to average assets | 2.6967% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5833% | 4,365 |
| Return on assets (ROA) | 0.5797% | 4,472 |
| Pretax return on assets | 0.5797% | 4,903 |
| Return on Equity (ROE) | 3.0325% | 5,292 |
| Retained earnings to average equity (ytd only) | -0.7346% | 5,625 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2173% | 1,381 |
| Assets per employee ($millions) | 3.9393% | 4,050 |
| Cash dividends to net income (ytd only)* | 124.2236% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1391% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.2412% | 5,139 |
| Net loans and leases to deposits | 57.7230% | 4,930 |
| Net loans and leases to core deposits | 57.7230% | 5,119 |
| Total domestic deposits to total assets | 80.1088% | 4,717 |
| Equity capital to assets | 19.4415% | 231 |
| Core capital (leverage) ratio | 25.4450% | 88 |
| Tier 1 risk-based capital ratio | 26.8130% | 687 |
| Total risk-based capital ratio | 28.0984% | 660 |
| Memoranda: | ||
| Average total assets | $27,774,400 | 5,993 |
| Average earning assets | $25,623,800 | 5,976 |
| Average equity | $5,309,200 | 5,581 |
| Average total loans | $10,687,000 | 6,003 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 5,360 |
| Cost of funding earning assets | 0.2913% | 4,439 |
| Net interest margin | 3.0382% | 5,106 |
| Noninterest income to average assets | 0.2444% | 5,184 |
| Noninterest expense to average assets | 2.6691% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3738% | 5,250 |
| Return on assets (ROA) | 0.3786% | 5,318 |
| Pretax return on assets | 0.3786% | 5,505 |
| Return on Equity (ROE) | 1.9888% | 5,668 |
| Retained earnings to average equity (ytd only) | -3.0461% | 5,940 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7165% | 872 |
| Assets per employee ($millions) | 3.9434% | 3,988 |
| Cash dividends to net income (ytd only)* | 253.1662% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0208% | 9 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 34.6472% | 5,834 |
| Net loans and leases to deposits | 43.1180% | 5,755 |
| Net loans and leases to core deposits | 43.1180% | 5,820 |
| Total domestic deposits to total assets | 80.3543% | 4,653 |
| Equity capital to assets | 19.1240% | 275 |
| Core capital (leverage) ratio | 18.7059% | 259 |
| Tier 1 risk-based capital ratio | 30.3827% | 499 |
| Total risk-based capital ratio | 31.6719% | 491 |
| Memoranda: | ||
| Average total assets | $27,824,250 | 6,076 |
| Average earning assets | $25,628,250 | 6,056 |
| Average equity | $5,296,250 | 5,652 |
| Average total loans | $9,962,500 | 6,095 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 5,114 |
| Cost of funding earning assets | 0.3049% | 4,346 |
| Net interest margin | 3.1424% | 4,851 |
| Noninterest income to average assets | 0.2509% | 5,151 |
| Noninterest expense to average assets | 2.6526% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4803% | 4,851 |
| Return on assets (ROA) | 0.4732% | 4,973 |
| Pretax return on assets | 0.4732% | 5,295 |
| Return on Equity (ROE) | 2.4896% | 5,566 |
| Retained earnings to average equity (ytd only) | -5.0547% | 6,024 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6682% | 1,192 |
| Assets per employee ($millions) | 3.5265% | 4,739 |
| Cash dividends to net income (ytd only)* | 303.0303% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9929% | 9 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.9163% | 6,041 |
| Net loans and leases to deposits | 36.8752% | 6,007 |
| Net loans and leases to core deposits | 37.2841% | 6,042 |
| Total domestic deposits to total assets | 81.1286% | 4,578 |
| Equity capital to assets | 18.6658% | 283 |
| Core capital (leverage) ratio | 18.6910% | 253 |
| Tier 1 risk-based capital ratio | 31.6885% | 468 |
| Total risk-based capital ratio | 32.9823% | 458 |
| Memoranda: | ||
| Average total assets | $27,897,670 | 6,145 |
| Average earning assets | $25,585,670 | 6,121 |
| Average equity | $5,302,000 | 5,704 |
| Average total loans | $9,817,330 | 6,169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 5,052 |
| Cost of funding earning assets | 0.2952% | 4,493 |
| Net interest margin | 3.1699% | 4,716 |
| Noninterest income to average assets | 0.2740% | 4,986 |
| Noninterest expense to average assets | 2.6387% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5768% | 4,377 |
| Return on assets (ROA) | 0.5768% | 4,481 |
| Pretax return on assets | 0.5768% | 4,979 |
| Return on Equity (ROE) | 3.0075% | 5,375 |
| Retained earnings to average equity (ytd only) | -12.0301% | 6,175 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0628% | 1,608 |
| Assets per employee ($millions) | 3.4989% | 4,902 |
| Cash dividends to net income (ytd only)* | 500.0000% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4894% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 32.1175% | 5,995 |
| Net loans and leases to deposits | 39.5687% | 5,930 |
| Net loans and leases to core deposits | 40.0107% | 5,973 |
| Total domestic deposits to total assets | 81.1689% | 4,780 |
| Equity capital to assets | 18.7203% | 280 |
| Core capital (leverage) ratio | 18.8476% | 245 |
| Tier 1 risk-based capital ratio | 30.5771% | 513 |
| Total risk-based capital ratio | 31.8667% | 506 |
| Memoranda: | ||
| Average total assets | $27,740,500 | 6,214 |
| Average earning assets | $25,742,500 | 6,180 |
| Average equity | $5,320,000 | 5,755 |
| Average total loans | $10,089,000 | 6,231 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,316 |
| Cost of funding earning assets | 0.3622% | 4,119 |
| Net interest margin | 3.7411% | 2,842 |
| Noninterest income to average assets | 0.3568% | 4,548 |
| Noninterest expense to average assets | 2.5971% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9895% | 2,433 |
| Return on assets (ROA) | 0.9528% | 2,696 |
| Pretax return on assets | 0.9528% | 3,677 |
| Return on Equity (ROE) | 4.9139% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.9139% | 2,670 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4103% | 3,133 |
| Assets per employee ($millions) | 3.4363% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0452% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 34.6344% | 6,013 |
| Net loans and leases to deposits | 43.3068% | 5,908 |
| Net loans and leases to core deposits | 43.3068% | 5,981 |
| Total domestic deposits to total assets | 79.9745% | 5,023 |
| Equity capital to assets | 19.6435% | 238 |
| Core capital (leverage) ratio | 19.5207% | 228 |
| Tier 1 risk-based capital ratio | 31.8904% | 432 |
| Total risk-based capital ratio | 33.1837% | 423 |
| Memoranda: | ||
| Average total assets | $27,184,400 | 6,308 |
| Average earning assets | $23,469,200 | 6,309 |
| Average equity | $5,270,800 | 5,796 |
| Average total loans | $10,789,200 | 6,295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,773 |
| Cost of funding earning assets | 0.3736% | 4,090 |
| Net interest margin | 3.8874% | 2,292 |
| Noninterest income to average assets | 0.3148% | 4,923 |
| Noninterest expense to average assets | 2.6412% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9493% | 2,688 |
| Return on assets (ROA) | 0.9001% | 3,008 |
| Pretax return on assets | 0.9001% | 3,984 |
| Return on Equity (ROE) | 4.6576% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.6576% | 3,316 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5616% | 2,888 |
| Assets per employee ($millions) | 3.4006% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8553% | 21 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 35.9603% | 6,028 |
| Net loans and leases to deposits | 44.9277% | 5,928 |
| Net loans and leases to core deposits | 45.4685% | 5,974 |
| Total domestic deposits to total assets | 80.0404% | 5,086 |
| Equity capital to assets | 19.5699% | 248 |
| Core capital (leverage) ratio | 19.7032% | 222 |
| Tier 1 risk-based capital ratio | 31.2992% | 466 |
| Total risk-based capital ratio | 32.5926% | 454 |
| Memoranda: | ||
| Average total assets | $27,108,000 | 6,387 |
| Average earning assets | $22,842,250 | 6,395 |
| Average equity | $5,238,500 | 5,865 |
| Average total loans | $10,898,000 | 6,361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,048 |
| Cost of funding earning assets | 0.3565% | 4,358 |
| Net interest margin | 3.8199% | 2,482 |
| Noninterest income to average assets | 0.3029% | 4,985 |
| Noninterest expense to average assets | 2.5410% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0858% | 1,987 |
| Return on assets (ROA) | 1.0120% | 2,348 |
| Pretax return on assets | 1.0120% | 3,435 |
| Return on Equity (ROE) | 5.2591% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.2591% | 2,791 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0611% | 3,648 |
| Assets per employee ($millions) | 3.4071% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5187% | 24 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 37.5903% | 5,979 |
| Net loans and leases to deposits | 46.7833% | 5,840 |
| Net loans and leases to core deposits | 47.3409% | 5,935 |
| Total domestic deposits to total assets | 80.3500% | 5,165 |
| Equity capital to assets | 19.3638% | 242 |
| Core capital (leverage) ratio | 19.6383% | 212 |
| Tier 1 risk-based capital ratio | 30.0330% | 521 |
| Total risk-based capital ratio | 31.3247% | 513 |
| Memoranda: | ||
| Average total assets | $27,075,670 | 6,449 |
| Average earning assets | $23,560,670 | 6,447 |
| Average equity | $5,210,000 | 5,912 |
| Average total loans | $10,991,670 | 6,415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 4,276 |
| Cost of funding earning assets | 0.3387% | 4,660 |
| Net interest margin | 3.5158% | 3,618 |
| Noninterest income to average assets | 0.2668% | 5,234 |
| Noninterest expense to average assets | 2.5199% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9783% | 2,288 |
| Return on assets (ROA) | 0.9783% | 2,349 |
| Pretax return on assets | 0.9783% | 3,412 |
| Return on Equity (ROE) | 5.1005% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.1005% | 3,062 |
| Net charge-offs to loans | 0.0365% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 614 |
| Efficiency ratio | 72.0339% | 3,484 |
| Assets per employee ($millions) | 3.3451% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4917% | 24 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.4365% | 5,911 |
| Net loans and leases to deposits | 47.8797% | 5,736 |
| Net loans and leases to core deposits | 48.4617% | 5,849 |
| Total domestic deposits to total assets | 80.2773% | 5,431 |
| Equity capital to assets | 19.4724% | 239 |
| Core capital (leverage) ratio | 19.3999% | 231 |
| Tier 1 risk-based capital ratio | 30.0536% | 527 |
| Total risk-based capital ratio | 31.3455% | 517 |
| Memoranda: | ||
| Average total assets | $26,985,000 | 6,518 |
| Average earning assets | $24,802,500 | 6,482 |
| Average equity | $5,176,000 | 5,953 |
| Average total loans | $10,948,000 | 6,483 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 4,302 |
| Cost of funding earning assets | 0.4035% | 4,615 |
| Net interest margin | 3.5415% | 3,724 |
| Noninterest income to average assets | 0.2915% | 5,268 |
| Noninterest expense to average assets | 2.5155% | 4,720 |
| Loan and lease loss provision to assets | 0.0720% | 3,673 |
| Net operating income to assets | 0.9573% | 2,531 |
| Return on assets (ROA) | 0.9609% | 2,578 |
| Pretax return on assets | 0.9609% | 3,510 |
| Return on Equity (ROE) | 5.3381% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.3381% | 2,388 |
| Net charge-offs to loans | -0.0298% | 6,226 |
| Credit loss provision to net charge-offs | -666.6667% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9645% | 3,675 |
| Assets per employee ($millions) | 3.0232% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7387% | 20 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 36.5431% | 6,171 |
| Net loans and leases to deposits | 45.1790% | 6,064 |
| Net loans and leases to core deposits | 45.7107% | 6,150 |
| Total domestic deposits to total assets | 80.8850% | 5,212 |
| Equity capital to assets | 18.8945% | 272 |
| Core capital (leverage) ratio | 18.7676% | 254 |
| Tier 1 risk-based capital ratio | 29.9977% | 499 |
| Total risk-based capital ratio | 31.2930% | 493 |
| Memoranda: | ||
| Average total assets | $27,787,800 | 6,565 |
| Average earning assets | $25,525,600 | 6,538 |
| Average equity | $5,001,800 | 6,067 |
| Average total loans | $10,071,800 | 6,588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,623 |
| Cost of funding earning assets | 0.4128% | 4,699 |
| Net interest margin | 3.4521% | 4,081 |
| Noninterest income to average assets | 0.2339% | 5,760 |
| Noninterest expense to average assets | 2.5108% | 4,685 |
| Loan and lease loss provision to assets | 0.0716% | 3,631 |
| Net operating income to assets | 0.8449% | 3,125 |
| Return on assets (ROA) | 0.8497% | 3,212 |
| Pretax return on assets | 0.8497% | 4,094 |
| Return on Equity (ROE) | 4.7781% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.7781% | 3,251 |
| Net charge-offs to loans | -0.0404% | 6,245 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2591% | 3,181 |
| Assets per employee ($millions) | 3.8994% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6048% | 21 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 36.8992% | 6,231 |
| Net loans and leases to deposits | 45.4656% | 6,131 |
| Net loans and leases to core deposits | 46.0182% | 6,209 |
| Total domestic deposits to total assets | 81.1584% | 5,176 |
| Equity capital to assets | 18.5082% | 294 |
| Core capital (leverage) ratio | 18.5245% | 261 |
| Tier 1 risk-based capital ratio | 29.2666% | 551 |
| Total risk-based capital ratio | 30.5585% | 545 |
| Memoranda: | ||
| Average total assets | $27,932,500 | 6,640 |
| Average earning assets | $25,839,000 | 6,608 |
| Average equity | $4,967,000 | 6,146 |
| Average total loans | $9,895,500 | 6,670 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 4,861 |
| Cost of funding earning assets | 0.4185% | 4,766 |
| Net interest margin | 3.3716% | 4,300 |
| Noninterest income to average assets | 0.2416% | 5,722 |
| Noninterest expense to average assets | 2.3806% | 5,107 |
| Loan and lease loss provision to assets | 0.0711% | 3,611 |
| Net operating income to assets | 0.8812% | 2,890 |
| Return on assets (ROA) | 0.8883% | 3,009 |
| Pretax return on assets | 0.8883% | 3,955 |
| Return on Equity (ROE) | 5.0621% | 4,691 |
| Retained earnings to average equity (ytd only) | 5.0621% | 3,012 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,570 |
| Assets per employee ($millions) | 3.4273% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5325% | 12 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 32.0994% | 6,501 |
| Net loans and leases to deposits | 39.3077% | 6,440 |
| Net loans and leases to core deposits | 39.7785% | 6,485 |
| Total domestic deposits to total assets | 81.6617% | 5,155 |
| Equity capital to assets | 18.2325% | 310 |
| Core capital (leverage) ratio | 17.7389% | 301 |
| Tier 1 risk-based capital ratio | 30.7290% | 488 |
| Total risk-based capital ratio | 32.0261% | 481 |
| Memoranda: | ||
| Average total assets | $28,144,670 | 6,687 |
| Average earning assets | $25,803,670 | 6,661 |
| Average equity | $4,938,670 | 6,200 |
| Average total loans | $9,560,330 | 6,728 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,760 |
| Cost of funding earning assets | 0.4365% | 4,737 |
| Net interest margin | 3.3829% | 4,186 |
| Noninterest income to average assets | 0.1964% | 6,070 |
| Noninterest expense to average assets | 2.4134% | 5,081 |
| Loan and lease loss provision to assets | 0.0702% | 3,461 |
| Net operating income to assets | 0.7577% | 3,390 |
| Return on assets (ROA) | 0.6875% | 3,897 |
| Pretax return on assets | 0.6875% | 4,630 |
| Return on Equity (ROE) | 3.9931% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.9931% | 3,836 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4589% | 3,182 |
| Assets per employee ($millions) | 3.5886% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6377% | 22 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 30.0637% | 6,605 |
| Net loans and leases to deposits | 36.4254% | 6,556 |
| Net loans and leases to core deposits | 36.8374% | 6,598 |
| Total domestic deposits to total assets | 82.5351% | 5,014 |
| Equity capital to assets | 17.2176% | 405 |
| Core capital (leverage) ratio | 17.2663% | 332 |
| Tier 1 risk-based capital ratio | 29.8743% | 539 |
| Total risk-based capital ratio | 31.1677% | 527 |
| Memoranda: | ||
| Average total assets | $28,508,000 | 6,747 |
| Average earning assets | $25,658,500 | 6,727 |
| Average equity | $4,908,500 | 6,276 |
| Average total loans | $9,529,500 | 6,798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 4,358 |
| Cost of funding earning assets | 0.6193% | 4,181 |
| Net interest margin | 3.6415% | 3,912 |
| Noninterest income to average assets | 0.2314% | 5,791 |
| Noninterest expense to average assets | 2.5244% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8430% | 3,078 |
| Return on assets (ROA) | 0.8765% | 3,167 |
| Pretax return on assets | 1.0027% | 3,542 |
| Return on Equity (ROE) | 5.2437% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.2437% | 2,542 |
| Net charge-offs to loans | 0.1742% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 17.1875% | 1,521 |
| Efficiency ratio | 72.3618% | 3,351 |
| Assets per employee ($millions) | 3.5384% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4374% | 27 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 31.0912% | 6,662 |
| Net loans and leases to deposits | 37.6610% | 6,642 |
| Net loans and leases to core deposits | 38.0897% | 6,668 |
| Total domestic deposits to total assets | 82.5556% | 4,909 |
| Equity capital to assets | 17.2184% | 391 |
| Core capital (leverage) ratio | 17.2525% | 330 |
| Tier 1 risk-based capital ratio | 29.1211% | 551 |
| Total risk-based capital ratio | 30.4176% | 539 |
| Memoranda: | ||
| Average total assets | $28,522,000 | 6,788 |
| Average earning assets | $25,511,600 | 6,769 |
| Average equity | $4,767,600 | 6,363 |
| Average total loans | $9,186,400 | 6,874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 4,367 |
| Cost of funding earning assets | 0.6505% | 4,197 |
| Net interest margin | 3.6703% | 3,919 |
| Noninterest income to average assets | 0.2566% | 5,726 |
| Noninterest expense to average assets | 2.4589% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9186% | 2,889 |
| Return on assets (ROA) | 0.9518% | 2,962 |
| Pretax return on assets | 1.0731% | 3,450 |
| Return on Equity (ROE) | 5.7370% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.7370% | 2,876 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3605% | 3,619 |
| Assets per employee ($millions) | 4.0354% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7615% | 23 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.4871% | 6,800 |
| Net loans and leases to deposits | 36.9392% | 6,785 |
| Net loans and leases to core deposits | 37.3606% | 6,826 |
| Total domestic deposits to total assets | 82.5333% | 4,820 |
| Equity capital to assets | 17.0915% | 447 |
| Core capital (leverage) ratio | 17.2960% | 351 |
| Tier 1 risk-based capital ratio | 29.1317% | 573 |
| Total risk-based capital ratio | 30.4290% | 565 |
| Memoranda: | ||
| Average total assets | $28,575,750 | 6,873 |
| Average earning assets | $25,210,500 | 6,868 |
| Average equity | $4,741,000 | 6,447 |
| Average total loans | $9,080,000 | 6,973 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 3,782 |
| Cost of funding earning assets | 0.6708% | 4,268 |
| Net interest margin | 3.8254% | 3,239 |
| Noninterest income to average assets | 0.2649% | 5,686 |
| Noninterest expense to average assets | 2.1405% | 6,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3337% | 1,350 |
| Return on assets (ROA) | 1.2829% | 1,642 |
| Pretax return on assets | 1.4084% | 2,169 |
| Return on Equity (ROE) | 7.8098% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.8098% | 1,716 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3810% | 5,680 |
| Assets per employee ($millions) | 3.9814% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5109% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 31.8981% | 6,811 |
| Net loans and leases to deposits | 38.6303% | 6,775 |
| Net loans and leases to core deposits | 39.0735% | 6,827 |
| Total domestic deposits to total assets | 82.5727% | 4,921 |
| Equity capital to assets | 17.2515% | 416 |
| Core capital (leverage) ratio | 16.7848% | 381 |
| Tier 1 risk-based capital ratio | 28.6208% | 601 |
| Total risk-based capital ratio | 29.9184% | 582 |
| Memoranda: | ||
| Average total assets | $28,685,000 | 6,923 |
| Average earning assets | $25,043,330 | 6,927 |
| Average equity | $4,712,000 | 6,479 |
| Average total loans | $8,960,330 | 7,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 3,714 |
| Cost of funding earning assets | 0.7211% | 4,099 |
| Net interest margin | 3.8297% | 3,246 |
| Noninterest income to average assets | 0.2612% | 5,780 |
| Noninterest expense to average assets | 2.3786% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1687% | 1,832 |
| Return on assets (ROA) | 1.0999% | 2,271 |
| Pretax return on assets | 1.0999% | 3,323 |
| Return on Equity (ROE) | 6.8611% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.8611% | 2,498 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0543% | 4,348 |
| Assets per employee ($millions) | 4.1554% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8289% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.0829% | 7,036 |
| Net loans and leases to deposits | 31.2209% | 7,025 |
| Net loans and leases to core deposits | 31.5599% | 7,047 |
| Total domestic deposits to total assets | 83.5430% | 4,696 |
| Equity capital to assets | 16.1716% | 547 |
| Core capital (leverage) ratio | 16.2268% | 440 |
| Tier 1 risk-based capital ratio | 29.6988% | 536 |
| Total risk-based capital ratio | 30.9994% | 522 |
| Memoranda: | ||
| Average total assets | $29,092,500 | 6,973 |
| Average earning assets | $24,962,500 | 6,983 |
| Average equity | $4,664,000 | 6,527 |
| Average total loans | $8,582,000 | 7,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 5,052 |
| Cost of funding earning assets | 0.8488% | 4,479 |
| Net interest margin | 3.6573% | 4,484 |
| Noninterest income to average assets | 0.3002% | 5,383 |
| Noninterest expense to average assets | 2.5275% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0369% | 2,058 |
| Return on assets (ROA) | 1.0089% | 2,311 |
| Pretax return on assets | 1.0089% | 3,209 |
| Return on Equity (ROE) | 6.4145% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.7499% | 2,822 |
| Net charge-offs to loans | 0.3168% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 1,911 |
| Efficiency ratio | 70.9109% | 3,790 |
| Assets per employee ($millions) | 3.6371% | 4,690 |
| Cash dividends to net income (ytd only)* | 25.9516% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4514% | 19 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.2296% | 7,086 |
| Net loans and leases to deposits | 32.5006% | 7,080 |
| Net loans and leases to core deposits | 32.8483% | 7,097 |
| Total domestic deposits to total assets | 83.7818% | 4,420 |
| Equity capital to assets | 15.8917% | 595 |
| Core capital (leverage) ratio | 15.9773% | 464 |
| Tier 1 risk-based capital ratio | 29.4429% | 543 |
| Total risk-based capital ratio | 30.7418% | 534 |
| Memoranda: | ||
| Average total assets | $28,644,400 | 7,006 |
| Average earning assets | $25,565,000 | 6,998 |
| Average equity | $4,505,400 | 6,593 |
| Average total loans | $9,469,400 | 7,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 5,743 |
| Cost of funding earning assets | 0.8013% | 5,139 |
| Net interest margin | 3.5571% | 4,949 |
| Noninterest income to average assets | 0.3552% | 5,016 |
| Noninterest expense to average assets | 2.6543% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9580% | 2,492 |
| Return on assets (ROA) | 0.9300% | 2,774 |
| Pretax return on assets | 0.9300% | 3,651 |
| Return on Equity (ROE) | 5.9282% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.6939% | 4,116 |
| Net charge-offs to loans | 0.4145% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,476 |
| Efficiency ratio | 73.4799% | 3,281 |
| Assets per employee ($millions) | 3.5851% | 4,795 |
| Cash dividends to net income (ytd only)* | 37.6889% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4664% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 31.1739% | 7,050 |
| Net loans and leases to deposits | 37.2185% | 7,055 |
| Net loans and leases to core deposits | 37.6210% | 7,088 |
| Total domestic deposits to total assets | 83.7593% | 4,344 |
| Equity capital to assets | 15.8084% | 665 |
| Core capital (leverage) ratio | 15.8360% | 525 |
| Tier 1 risk-based capital ratio | 28.0882% | 651 |
| Total risk-based capital ratio | 29.3830% | 634 |
| Memoranda: | ||
| Average total assets | $28,531,250 | 7,079 |
| Average earning assets | $26,125,250 | 7,055 |
| Average equity | $4,475,750 | 6,654 |
| Average total loans | $9,649,250 | 7,196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 6,359 |
| Cost of funding earning assets | 0.8112% | 5,297 |
| Net interest margin | 3.3519% | 5,703 |
| Noninterest income to average assets | 0.2809% | 5,642 |
| Noninterest expense to average assets | 2.6193% | 5,118 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7373% | 3,351 |
| Return on assets (ROA) | 0.7724% | 3,324 |
| Pretax return on assets | 0.7724% | 4,130 |
| Return on Equity (ROE) | 4.9368% | 4,481 |
| Retained earnings to average equity (ytd only) | 1.5708% | 5,197 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0335% | 2,704 |
| Assets per employee ($millions) | 3.5683% | 4,758 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4801% | 26 |
| Loan loss allowance to noncurrent loans | 3,060.7143% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 6,851 |
| Noncurrent loans to loans | 0.2771% | 6,368 |
| Net loans and leases to total assets | 32.4003% | 7,102 |
| Net loans and leases to deposits | 38.5922% | 7,104 |
| Net loans and leases to core deposits | 39.0089% | 7,142 |
| Total domestic deposits to total assets | 83.9557% | 4,369 |
| Equity capital to assets | 15.6554% | 664 |
| Core capital (leverage) ratio | 15.6239% | 554 |
| Tier 1 risk-based capital ratio | 27.7344% | 679 |
| Total risk-based capital ratio | 29.0323% | 659 |
| Memoranda: | ||
| Average total assets | $28,481,330 | 7,148 |
| Average earning assets | $26,134,330 | 7,122 |
| Average equity | $4,456,330 | 6,695 |
| Average total loans | $9,609,670 | 7,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 6,273 |
| Cost of funding earning assets | 0.8132% | 5,509 |
| Net interest margin | 3.3909% | 5,461 |
| Noninterest income to average assets | 0.2953% | 5,555 |
| Noninterest expense to average assets | 2.7839% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6187% | 3,937 |
| Return on assets (ROA) | 0.6187% | 4,004 |
| Pretax return on assets | 0.6187% | 4,610 |
| Return on Equity (ROE) | 3.9551% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.9551% | 3,802 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 2,253 |
| Assets per employee ($millions) | 3.1872% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4124% | 25 |
| Loan loss allowance to noncurrent loans | 3,060.7143% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 6,918 |
| Noncurrent loans to loans | 0.3075% | 6,371 |
| Net loans and leases to total assets | 28.7537% | 7,272 |
| Net loans and leases to deposits | 34.2312% | 7,266 |
| Net loans and leases to core deposits | 34.5988% | 7,295 |
| Total domestic deposits to total assets | 83.9986% | 4,488 |
| Equity capital to assets | 15.5796% | 650 |
| Core capital (leverage) ratio | 15.8342% | 532 |
| Tier 1 risk-based capital ratio | 25.9512% | 792 |
| Total risk-based capital ratio | 27.2621% | 769 |
| Memoranda: | ||
| Average total assets | $28,449,000 | 7,199 |
| Average earning assets | $26,069,500 | 7,169 |
| Average equity | $4,450,000 | 6,722 |
| Average total loans | $9,361,500 | 7,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 7,063 |
| Cost of funding earning assets | 0.9698% | 5,843 |
| Net interest margin | 3.1126% | 6,492 |
| Noninterest income to average assets | 0.2455% | 6,040 |
| Noninterest expense to average assets | 2.5721% | 5,534 |
| Loan and lease loss provision to assets | 0.2312% | 4,967 |
| Net operating income to assets | 0.3131% | 4,892 |
| Return on assets (ROA) | 0.2882% | 5,134 |
| Pretax return on assets | 0.2490% | 5,358 |
| Return on Equity (ROE) | 1.8402% | 5,449 |
| Retained earnings to average equity (ytd only) | -0.4316% | 5,694 |
| Net charge-offs to loans | -0.4140% | 7,584 |
| Credit loss provision to net charge-offs | -203.1250% | 7,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5838% | 1,970 |
| Assets per employee ($millions) | 3.1348% | 5,808 |
| Cash dividends to net income (ytd only)* | 123.4568% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9104% | 28 |
| Loan loss allowance to noncurrent loans | 3,060.7143% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 6,983 |
| Noncurrent loans to loans | 0.2911% | 6,477 |
| Net loans and leases to total assets | 31.0531% | 7,317 |
| Net loans and leases to deposits | 37.1922% | 7,321 |
| Net loans and leases to core deposits | 37.5976% | 7,363 |
| Total domestic deposits to total assets | 83.4934% | 4,609 |
| Equity capital to assets | 15.7055% | 644 |
| Core capital (leverage) ratio | 14.7566% | 701 |
| Tier 1 risk-based capital ratio | 25.4384% | 808 |
| Total risk-based capital ratio | 26.7398% | 775 |
| Memoranda: | ||
| Average total assets | $28,109,800 | 7,263 |
| Average earning assets | $25,573,600 | 7,242 |
| Average equity | $4,401,800 | 6,856 |
| Average total loans | $7,729,000 | 7,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 7,240 |
| Cost of funding earning assets | 0.9906% | 5,977 |
| Net interest margin | 3.0661% | 6,694 |
| Noninterest income to average assets | 0.2374% | 6,190 |
| Noninterest expense to average assets | 2.8295% | 4,352 |
| Loan and lease loss provision to assets | 0.0712% | 6,350 |
| Net operating income to assets | 0.1139% | 5,739 |
| Return on assets (ROA) | 0.0807% | 5,957 |
| Pretax return on assets | 0.0807% | 5,947 |
| Return on Equity (ROE) | 0.5159% | 6,008 |
| Retained earnings to average equity (ytd only) | -2.5181% | 6,287 |
| Net charge-offs to loans | -0.5695% | 7,684 |
| Credit loss provision to net charge-offs | -48.3871% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8583% | 1,007 |
| Assets per employee ($millions) | 3.0908% | 5,939 |
| Cash dividends to net income (ytd only)* | 588.1341% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4485% | 21 |
| Loan loss allowance to noncurrent loans | 2,878.5714% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 7,102 |
| Noncurrent loans to loans | 0.3630% | 6,468 |
| Net loans and leases to total assets | 24.8337% | 7,555 |
| Net loans and leases to deposits | 29.7438% | 7,562 |
| Net loans and leases to core deposits | 29.7438% | 7,585 |
| Total domestic deposits to total assets | 83.4921% | 4,381 |
| Equity capital to assets | 15.7494% | 720 |
| Core capital (leverage) ratio | 14.9223% | 731 |
| Tier 1 risk-based capital ratio | 27.3562% | 669 |
| Total risk-based capital ratio | 28.6592% | 659 |
| Memoranda: | ||
| Average total assets | $28,084,000 | 7,359 |
| Average earning assets | $25,439,000 | 7,336 |
| Average equity | $4,394,500 | 6,944 |
| Average total loans | $7,256,750 | 7,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 7,367 |
| Cost of funding earning assets | 1.0134% | 6,080 |
| Net interest margin | 2.9772% | 6,878 |
| Noninterest income to average assets | 0.2414% | 6,176 |
| Noninterest expense to average assets | 2.8112% | 4,438 |
| Loan and lease loss provision to assets | 0.1065% | 5,851 |
| Net operating income to assets | 0.0142% | 6,062 |
| Return on assets (ROA) | 0.0142% | 6,164 |
| Pretax return on assets | 0.0142% | 6,131 |
| Return on Equity (ROE) | 0.0909% | 6,169 |
| Retained earnings to average equity (ytd only) | -4.4556% | 6,495 |
| Net charge-offs to loans | -0.8727% | 7,757 |
| Credit loss provision to net charge-offs | -48.3871% | 6,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8838% | 971 |
| Assets per employee ($millions) | 3.1299% | 5,846 |
| Cash dividends to net income (ytd only)* | 5,000.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9938% | 21 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 25.7695% | 7,614 |
| Net loans and leases to deposits | 30.8749% | 7,628 |
| Net loans and leases to core deposits | 30.8749% | 7,646 |
| Total domestic deposits to total assets | 83.4641% | 4,361 |
| Equity capital to assets | 15.5206% | 768 |
| Core capital (leverage) ratio | 14.8814% | 747 |
| Tier 1 risk-based capital ratio | 26.5994% | 727 |
| Total risk-based capital ratio | 27.8987% | 714 |
| Memoranda: | ||
| Average total assets | $28,173,000 | 7,406 |
| Average earning assets | $25,460,000 | 7,386 |
| Average equity | $4,399,000 | 6,979 |
| Average total loans | $7,104,330 | 7,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 7,543 |
| Cost of funding earning assets | 0.9895% | 6,421 |
| Net interest margin | 2.8758% | 7,060 |
| Noninterest income to average assets | 0.2555% | 6,104 |
| Noninterest expense to average assets | 2.9388% | 3,916 |
| Loan and lease loss provision to assets | 0.1278% | 5,299 |
| Net operating income to assets | -0.1704% | 6,507 |
| Return on assets (ROA) | -0.1704% | 6,583 |
| Pretax return on assets | -0.1704% | 6,530 |
| Return on Equity (ROE) | -1.0878% | 6,538 |
| Retained earnings to average equity (ytd only) | -10.1530% | 6,976 |
| Net charge-offs to loans | -1.5097% | 7,861 |
| Credit loss provision to net charge-offs | -36.0000% | 5,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4706% | 798 |
| Assets per employee ($millions) | 3.1803% | 5,808 |
| Cash dividends to net income (ytd only)* | -833.3333% | 7,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3754% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 21.6120% | 7,764 |
| Net loans and leases to deposits | 25.7171% | 7,784 |
| Net loans and leases to core deposits | 25.7171% | 7,787 |
| Total domestic deposits to total assets | 84.0373% | 4,130 |
| Equity capital to assets | 15.2360% | 828 |
| Core capital (leverage) ratio | 14.8452% | 783 |
| Tier 1 risk-based capital ratio | 27.7150% | 656 |
| Total risk-based capital ratio | 29.0174% | 645 |
| Memoranda: | ||
| Average total assets | $28,175,000 | 7,504 |
| Average earning assets | $25,871,000 | 7,464 |
| Average equity | $4,412,500 | 7,031 |
| Average total loans | $6,624,000 | 7,771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 7,537 |
| Cost of funding earning assets | 1.2434% | 6,493 |
| Net interest margin | 3.0869% | 6,411 |
| Noninterest income to average assets | 0.4054% | 5,162 |
| Noninterest expense to average assets | 3.3374% | 2,880 |
| Loan and lease loss provision to assets | 0.3041% | 4,997 |
| Net operating income to assets | -0.1179% | 5,704 |
| Return on assets (ROA) | -0.1086% | 5,697 |
| Pretax return on assets | -0.3728% | 5,892 |
| Return on Equity (ROE) | -0.6639% | 5,647 |
| Retained earnings to average equity (ytd only) | -2.8770% | 5,675 |
| Net charge-offs to loans | -1.6755% | 7,959 |
| Credit loss provision to net charge-offs | -87.5000% | 7,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5584% | 992 |
| Assets per employee ($millions) | 3.0808% | 6,031 |
| Cash dividends to net income (ytd only)* | -333.3333% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1251% | 17 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 19.8651% | 7,870 |
| Net loans and leases to deposits | 23.9895% | 7,882 |
| Net loans and leases to core deposits | 26.3478% | 7,888 |
| Total domestic deposits to total assets | 82.8074% | 4,609 |
| Equity capital to assets | 16.0998% | 686 |
| Core capital (leverage) ratio | 15.0611% | 767 |
| Tier 1 risk-based capital ratio | 29.6494% | 543 |
| Total risk-based capital ratio | 30.9454% | 523 |
| Memoranda: | ||
| Average total assets | $27,626,400 | 7,566 |
| Average earning assets | $25,495,000 | 7,527 |
| Average equity | $4,518,600 | 7,107 |
| Average total loans | $5,729,800 | 7,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 7,542 |
| Cost of funding earning assets | 1.2880% | 6,592 |
| Net interest margin | 3.1835% | 6,078 |
| Noninterest income to average assets | 0.2319% | 6,566 |
| Noninterest expense to average assets | 2.8501% | 4,669 |
| Loan and lease loss provision to assets | 0.1208% | 6,154 |
| Net operating income to assets | 0.1981% | 5,164 |
| Return on assets (ROA) | 0.2077% | 5,212 |
| Pretax return on assets | 0.2077% | 5,282 |
| Return on Equity (ROE) | 1.2649% | 5,415 |
| Retained earnings to average equity (ytd only) | -1.6769% | 5,653 |
| Net charge-offs to loans | -2.1447% | 8,042 |
| Credit loss provision to net charge-offs | -27.7778% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9390% | 1,693 |
| Assets per employee ($millions) | 3.0909% | 5,933 |
| Cash dividends to net income (ytd only)* | 232.5658% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3244% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 16.2521% | 7,980 |
| Net loans and leases to deposits | 19.6326% | 7,995 |
| Net loans and leases to core deposits | 21.7659% | 7,993 |
| Total domestic deposits to total assets | 82.7809% | 4,330 |
| Equity capital to assets | 16.3347% | 738 |
| Core capital (leverage) ratio | 15.5246% | 756 |
| Tier 1 risk-based capital ratio | 32.1385% | 465 |
| Total risk-based capital ratio | 33.4371% | 456 |
| Memoranda: | ||
| Average total assets | $27,601,250 | 7,631 |
| Average earning assets | $25,464,500 | 7,591 |
| Average equity | $4,532,250 | 7,167 |
| Average total loans | $5,595,250 | 7,954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 7,500 |
| Cost of funding earning assets | 1.3347% | 6,692 |
| Net interest margin | 3.2854% | 5,606 |
| Noninterest income to average assets | 0.1889% | 6,945 |
| Noninterest expense to average assets | 2.8552% | 4,707 |
| Loan and lease loss provision to assets | 0.1308% | 5,786 |
| Net operating income to assets | 0.2252% | 5,176 |
| Return on assets (ROA) | 0.2325% | 5,240 |
| Pretax return on assets | 0.2325% | 5,378 |
| Return on Equity (ROE) | 1.4133% | 5,492 |
| Retained earnings to average equity (ytd only) | -3.0033% | 5,974 |
| Net charge-offs to loans | -0.0699% | 7,896 |
| Credit loss provision to net charge-offs | -900.0000% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9140% | 1,913 |
| Assets per employee ($millions) | 3.0328% | 6,049 |
| Cash dividends to net income (ytd only)* | 312.5000% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8676% | 13 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 18.0289% | 8,054 |
| Net loans and leases to deposits | 21.8750% | 8,070 |
| Net loans and leases to core deposits | 24.1985% | 8,066 |
| Total domestic deposits to total assets | 82.4180% | 4,515 |
| Equity capital to assets | 16.5928% | 735 |
| Core capital (leverage) ratio | 15.5061% | 824 |
| Tier 1 risk-based capital ratio | 30.8962% | 543 |
| Total risk-based capital ratio | 32.1869% | 534 |
| Memoranda: | ||
| Average total assets | $27,529,000 | 7,702 |
| Average earning assets | $25,324,000 | 7,663 |
| Average equity | $4,528,330 | 7,235 |
| Average total loans | $5,721,670 | 8,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 7,516 |
| Cost of funding earning assets | 1.3658% | 6,830 |
| Net interest margin | 3.3282% | 5,408 |
| Noninterest income to average assets | 0.1881% | 6,946 |
| Noninterest expense to average assets | 2.8648% | 4,280 |
| Loan and lease loss provision to assets | 0.1302% | 5,291 |
| Net operating income to assets | 0.2604% | 5,437 |
| Return on assets (ROA) | 0.2749% | 5,557 |
| Pretax return on assets | 0.2749% | 5,750 |
| Return on Equity (ROE) | 1.6784% | 5,888 |
| Retained earnings to average equity (ytd only) | -7.1555% | 6,811 |
| Net charge-offs to loans | -0.0687% | 7,788 |
| Credit loss provision to net charge-offs | -900.0000% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0000% | 1,897 |
| Assets per employee ($millions) | 3.0611% | 5,991 |
| Cash dividends to net income (ytd only)* | 526.3158% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6633% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 17.9419% | 8,107 |
| Net loans and leases to deposits | 21.7811% | 8,124 |
| Net loans and leases to core deposits | 24.0348% | 8,122 |
| Total domestic deposits to total assets | 82.3739% | 4,415 |
| Equity capital to assets | 16.3194% | 822 |
| Core capital (leverage) ratio | 15.4941% | 866 |
| Tier 1 risk-based capital ratio | 29.8082% | 628 |
| Total risk-based capital ratio | 31.0989% | 613 |
| Memoranda: | ||
| Average total assets | $27,646,000 | 7,744 |
| Average earning assets | $25,479,500 | 7,705 |
| Average equity | $4,528,000 | 7,281 |
| Average total loans | $5,822,000 | 8,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 6,829 |
| Cost of funding earning assets | 1.9094% | 6,705 |
| Net interest margin | 3.7734% | 4,124 |
| Noninterest income to average assets | 0.3018% | 6,296 |
| Noninterest expense to average assets | 2.8725% | 4,532 |
| Loan and lease loss provision to assets | 0.1249% | 5,769 |
| Net operating income to assets | 0.7024% | 3,885 |
| Return on assets (ROA) | 0.7216% | 3,626 |
| Pretax return on assets | 0.7806% | 4,141 |
| Return on Equity (ROE) | 4.6893% | 4,515 |
| Retained earnings to average equity (ytd only) | 1.3076% | 4,432 |
| Net charge-offs to loans | -1.1485% | 8,235 |
| Credit loss provision to net charge-offs | -50.0000% | 7,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4543% | 3,156 |
| Assets per employee ($millions) | 3.0824% | 5,827 |
| Cash dividends to net income (ytd only)* | 72.1154% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4911% | 12 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 19.9373% | 8,154 |
| Net loans and leases to deposits | 24.2993% | 8,170 |
| Net loans and leases to core deposits | 27.0174% | 8,171 |
| Total domestic deposits to total assets | 82.0489% | 4,182 |
| Equity capital to assets | 16.4372% | 852 |
| Core capital (leverage) ratio | 15.1205% | 1,001 |
| Tier 1 risk-based capital ratio | 28.7415% | 717 |
| Total risk-based capital ratio | 30.0254% | 701 |
| Memoranda: | ||
| Average total assets | $28,825,400 | 7,689 |
| Average earning assets | $26,395,400 | 7,678 |
| Average equity | $4,435,600 | 7,348 |
| Average total loans | $6,268,800 | 8,115 |