Home > Hometown Community Bank > Performance and Condition Ratios
Hometown Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 2,437 |
| Cost of funding earning assets | 1.3583% | 2,334 |
| Net interest margin | 3.4612% | 2,271 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.9557% | 3,722 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.1102% | 1,892 |
| Return on assets (ROA) | 1.1102% | 1,865 |
| Pretax return on assets | 1.2334% | 2,054 |
| Return on Equity (ROE) | 12.5600% | 1,829 |
| Retained earnings to average equity (ytd only) | 4.7465% | 2,693 |
| 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 | 55.8039% | 3,518 |
| Assets per employee ($millions) | 7.2313% | 1,915 |
| Cash dividends to net income (ytd only)* | 62.1978% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 3,719 |
| Loan loss allowance to noncurrent loans | 5,854.5455% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,681 |
| Noncurrent loans to loans | 0.0153% | 3,637 |
| Net loans and leases to total assets | 82.0300% | 430 |
| Net loans and leases to deposits | 96.3312% | 757 |
| Net loans and leases to core deposits | 104.2516% | 1,206 |
| Total domestic deposits to total assets | 85.1500% | 2,265 |
| Equity capital to assets | 8.6072% | 2,969 |
| Core capital (leverage) ratio | 9.6018% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $81,966,400 | 4,000 |
| Average earning assets | $77,083,200 | 3,957 |
| Average equity | $7,247,400 | 4,017 |
| Average total loans | $66,161,400 | 3,603 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 2,411 |
| Cost of funding earning assets | 1.1818% | 2,486 |
| Net interest margin | 3.5472% | 2,111 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.9728% | 3,661 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.2167% | 1,745 |
| Return on assets (ROA) | 1.2167% | 1,736 |
| Pretax return on assets | 1.3289% | 1,949 |
| Return on Equity (ROE) | 13.6600% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.8408% | 2,348 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.4076% | 3,558 |
| Assets per employee ($millions) | 6.8133% | 2,096 |
| Cash dividends to net income (ytd only)* | 49.9322% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 3,843 |
| Loan loss allowance to noncurrent loans | 173.1778% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 1,384 |
| Noncurrent loans to loans | 0.4972% | 1,573 |
| Net loans and leases to total assets | 83.6400% | 311 |
| Net loans and leases to deposits | 98.4240% | 589 |
| Net loans and leases to core deposits | 104.4907% | 1,095 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 8.8160% | 2,524 |
| Core capital (leverage) ratio | 10.3239% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $80,764,000 | 4,027 |
| Average earning assets | $76,603,000 | 3,978 |
| Average equity | $7,192,000 | 4,028 |
| Average total loans | $64,745,000 | 3,641 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 2,345 |
| Cost of funding earning assets | 0.9751% | 2,688 |
| Net interest margin | 3.6568% | 1,903 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.9768% | 3,643 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.3253% | 1,501 |
| Return on assets (ROA) | 1.3253% | 1,488 |
| Pretax return on assets | 1.4397% | 1,723 |
| Return on Equity (ROE) | 14.8300% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.1818% | 1,909 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0229% | 3,693 |
| Assets per employee ($millions) | 6.6049% | 2,205 |
| Cash dividends to net income (ytd only)* | 44.8405% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 3,961 |
| Loan loss allowance to noncurrent loans | 85.3810% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 631 |
| Noncurrent loans to loans | 0.9654% | 780 |
| Net loans and leases to total assets | 83.3400% | 312 |
| Net loans and leases to deposits | 92.8405% | 964 |
| Net loans and leases to core deposits | 97.9188% | 1,352 |
| Total domestic deposits to total assets | 89.7700% | 985 |
| Equity capital to assets | 9.1561% | 2,408 |
| Core capital (leverage) ratio | 10.6089% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $80,432,000 | 4,040 |
| Average earning assets | $76,296,667 | 3,999 |
| Average equity | $7,186,667 | 4,049 |
| Average total loans | $63,333,333 | 3,667 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 2,382 |
| Cost of funding earning assets | 0.7369% | 2,940 |
| Net interest margin | 3.7365% | 1,813 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.9107% | 3,833 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.5503% | 1,080 |
| Return on assets (ROA) | 1.5503% | 1,072 |
| Pretax return on assets | 1.6441% | 1,377 |
| Return on Equity (ROE) | 17.5600% | 1,090 |
| Retained earnings to average equity (ytd only) | 17.5627% | 552 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.5946% | 3,973 |
| Assets per employee ($millions) | 6.7593% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,030 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 938 |
| Noncurrent loans to loans | 0.7397% | 1,033 |
| Net loans and leases to total assets | 74.0500% | 1,196 |
| Net loans and leases to deposits | 81.5816% | 1,693 |
| Net loans and leases to core deposits | 85.2427% | 1,913 |
| Total domestic deposits to total assets | 90.7700% | 878 |
| Equity capital to assets | 9.0395% | 2,489 |
| Core capital (leverage) ratio | 9.3977% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $81,018,500 | 4,089 |
| Average earning assets | $77,076,500 | 4,040 |
| Average equity | $7,151,500 | 4,101 |
| Average total loans | $61,697,500 | 3,734 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 1,927 |
| Cost of funding earning assets | 0.4523% | 1,708 |
| Net interest margin | 3.4696% | 2,038 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.0876% | 3,336 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9939% | 2,591 |
| Return on assets (ROA) | 0.9939% | 2,542 |
| Pretax return on assets | 1.2186% | 2,375 |
| Return on Equity (ROE) | 11.4100% | 2,339 |
| Retained earnings to average equity (ytd only) | 6.5497% | 2,430 |
| Net charge-offs to loans | -0.0287% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.4176% | 3,131 |
| Assets per employee ($millions) | 6.7438% | 2,159 |
| Cash dividends to net income (ytd only)* | 42.5879% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,092 |
| 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 | 77.0400% | 888 |
| Net loans and leases to deposits | 84.4063% | 1,433 |
| Net loans and leases to core deposits | 87.9784% | 1,611 |
| Total domestic deposits to total assets | 91.2700% | 851 |
| Equity capital to assets | 8.6140% | 2,622 |
| Core capital (leverage) ratio | 9.2727% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,091,400 | 4,131 |
| Average earning assets | $76,060,000 | 4,088 |
| Average equity | $6,977,400 | 4,220 |
| Average total loans | $59,269,800 | 3,744 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 1,926 |
| Cost of funding earning assets | 0.4172% | 1,179 |
| Net interest margin | 3.3234% | 2,220 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.9879% | 3,511 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9547% | 2,644 |
| Return on assets (ROA) | 0.9547% | 2,616 |
| Pretax return on assets | 1.2184% | 2,300 |
| Return on Equity (ROE) | 10.9300% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.7182% | 2,110 |
| Net charge-offs to loans | -0.0023% | 3,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.5341% | 3,319 |
| Assets per employee ($millions) | 6.3471% | 2,446 |
| Cash dividends to net income (ytd only)* | 29.3706% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 4,198 |
| 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 | 79.0900% | 609 |
| Net loans and leases to deposits | 86.9176% | 1,114 |
| Net loans and leases to core deposits | 89.9709% | 1,299 |
| Total domestic deposits to total assets | 91.0000% | 1,245 |
| Equity capital to assets | 8.9188% | 2,265 |
| Core capital (leverage) ratio | 9.7598% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $79,882,750 | 4,161 |
| Average earning assets | $76,063,750 | 4,117 |
| Average equity | $6,979,000 | 4,257 |
| Average total loans | $58,380,000 | 3,773 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 1,860 |
| Cost of funding earning assets | 0.4160% | 829 |
| Net interest margin | 3.1785% | 2,257 |
| Noninterest income to average assets | 0.0740% | 4,573 |
| Noninterest expense to average assets | 1.9181% | 3,659 |
| Loan and lease loss provision to assets | 0.0740% | 1,307 |
| Net operating income to assets | 1.0034% | 2,141 |
| Return on assets (ROA) | 1.0034% | 2,114 |
| Pretax return on assets | 1.1144% | 2,353 |
| Return on Equity (ROE) | 11.5609% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.7888% | 2,059 |
| Net charge-offs to loans | -0.0035% | 3,241 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8571% | 3,580 |
| Assets per employee ($millions) | 6.6931% | 2,176 |
| Cash dividends to net income (ytd only)* | 41.2776% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,219 |
| Loan loss allowance to noncurrent loans | 206.4516% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 1,962 |
| Noncurrent loans to loans | 0.3735% | 2,025 |
| Net loans and leases to total assets | 71.7756% | 1,128 |
| Net loans and leases to deposits | 78.5245% | 1,500 |
| Net loans and leases to core deposits | 80.5365% | 1,684 |
| Total domestic deposits to total assets | 91.4053% | 1,061 |
| Equity capital to assets | 8.5499% | 2,724 |
| Core capital (leverage) ratio | 9.4692% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,122,000 | 4,189 |
| Average earning assets | $77,395,333 | 4,152 |
| Average equity | $7,041,000 | 4,316 |
| Average total loans | $57,610,667 | 3,833 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 1,862 |
| Cost of funding earning assets | 0.4270% | 744 |
| Net interest margin | 3.0557% | 2,310 |
| Noninterest income to average assets | 0.0589% | 4,637 |
| Noninterest expense to average assets | 1.9381% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9224% | 2,192 |
| Return on assets (ROA) | 0.9224% | 2,183 |
| Pretax return on assets | 1.0353% | 2,336 |
| Return on Equity (ROE) | 10.5499% | 1,784 |
| Retained earnings to average equity (ytd only) | 2.6936% | 3,367 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2310% | 3,462 |
| Assets per employee ($millions) | 6.8567% | 2,095 |
| Cash dividends to net income (ytd only)* | 74.4681% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6995% | 4,383 |
| 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 | 69.3559% | 1,075 |
| Net loans and leases to deposits | 75.8403% | 1,463 |
| Net loans and leases to core deposits | 78.0038% | 1,611 |
| Total domestic deposits to total assets | 91.4499% | 831 |
| Equity capital to assets | 8.4079% | 3,235 |
| Core capital (leverage) ratio | 9.2413% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,524,500 | 4,203 |
| Average earning assets | $77,755,500 | 4,166 |
| Average equity | $7,128,000 | 4,350 |
| Average total loans | $57,368,000 | 3,842 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 1,190 |
| Cost of funding earning assets | 0.5822% | 594 |
| Net interest margin | 3.5029% | 1,723 |
| Noninterest income to average assets | 0.2049% | 4,139 |
| Noninterest expense to average assets | 2.0556% | 3,514 |
| Loan and lease loss provision to assets | 0.0617% | 1,836 |
| Net operating income to assets | 1.4068% | 1,257 |
| Return on assets (ROA) | 1.4068% | 1,316 |
| Pretax return on assets | 1.4068% | 2,032 |
| Return on Equity (ROE) | 14.6732% | 1,028 |
| Retained earnings to average equity (ytd only) | 2.6853% | 3,768 |
| Net charge-offs to loans | -0.0038% | 3,489 |
| Credit loss provision to net charge-offs | -2,350.0000% | 4,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1312% | 3,693 |
| Assets per employee ($millions) | 6.2130% | 2,562 |
| Cash dividends to net income (ytd only)* | 81.6993% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.4057% | 992 |
| Net loans and leases to deposits | 77.5386% | 1,440 |
| Net loans and leases to core deposits | 79.8086% | 1,610 |
| Total domestic deposits to total assets | 90.8009% | 581 |
| Equity capital to assets | 9.0852% | 3,532 |
| Core capital (leverage) ratio | 9.1293% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,131,800 | 4,267 |
| Average earning assets | $72,140,400 | 4,230 |
| Average equity | $7,299,000 | 4,396 |
| Average total loans | $52,432,600 | 3,956 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 1,274 |
| Cost of funding earning assets | 0.6182% | 582 |
| Net interest margin | 3.4951% | 1,873 |
| Noninterest income to average assets | 0.2294% | 4,029 |
| Noninterest expense to average assets | 2.0025% | 3,664 |
| Loan and lease loss provision to assets | 0.0440% | 2,117 |
| Net operating income to assets | 1.4903% | 1,299 |
| Return on assets (ROA) | 1.4903% | 1,344 |
| Pretax return on assets | 1.4903% | 2,020 |
| Return on Equity (ROE) | 15.3281% | 1,082 |
| Retained earnings to average equity (ytd only) | 6.5117% | 2,614 |
| Net charge-offs to loans | -0.0052% | 3,445 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3992% | 3,745 |
| Assets per employee ($millions) | 5.7972% | 2,895 |
| Cash dividends to net income (ytd only)* | 57.5179% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 4,509 |
| Loan loss allowance to noncurrent loans | 50.4648% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 665 |
| Noncurrent loans to loans | 1.3818% | 771 |
| Net loans and leases to total assets | 71.8058% | 888 |
| Net loans and leases to deposits | 79.9123% | 1,299 |
| Net loans and leases to core deposits | 83.5250% | 1,461 |
| Total domestic deposits to total assets | 89.8558% | 833 |
| Equity capital to assets | 10.0076% | 2,892 |
| Core capital (leverage) ratio | 9.2930% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,972,500 | 4,334 |
| Average earning assets | $70,955,500 | 4,304 |
| Average equity | $7,289,250 | 4,455 |
| Average total loans | $51,223,750 | 4,026 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 1,954 |
| Cost of funding earning assets | 0.6453% | 590 |
| Net interest margin | 3.2012% | 2,754 |
| Noninterest income to average assets | 0.3127% | 3,558 |
| Noninterest expense to average assets | 2.0256% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3094% | 1,836 |
| Return on assets (ROA) | 1.3094% | 1,909 |
| Pretax return on assets | 1.3094% | 2,607 |
| Return on Equity (ROE) | 13.6017% | 1,539 |
| Retained earnings to average equity (ytd only) | 2.9979% | 3,840 |
| Net charge-offs to loans | -0.0080% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 3,240 |
| Assets per employee ($millions) | 5.8278% | 2,787 |
| Cash dividends to net income (ytd only)* | 77.9592% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 4,567 |
| Loan loss allowance to noncurrent loans | 73.9583% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 1,310 |
| Noncurrent loans to loans | 0.9174% | 1,346 |
| Net loans and leases to total assets | 68.5947% | 1,373 |
| Net loans and leases to deposits | 76.0756% | 1,813 |
| Net loans and leases to core deposits | 79.0905% | 1,953 |
| Total domestic deposits to total assets | 90.1664% | 694 |
| Equity capital to assets | 9.6369% | 3,212 |
| Core capital (leverage) ratio | 8.8672% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,842,333 | 4,359 |
| Average earning assets | $70,661,333 | 4,331 |
| Average equity | $7,205,000 | 4,491 |
| Average total loans | $50,133,333 | 4,084 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 2,468 |
| Cost of funding earning assets | 0.6684% | 624 |
| Net interest margin | 2.9934% | 3,276 |
| Noninterest income to average assets | 0.5539% | 2,393 |
| Noninterest expense to average assets | 2.0381% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3336% | 1,724 |
| Return on assets (ROA) | 1.3336% | 1,812 |
| Pretax return on assets | 1.3336% | 2,478 |
| Return on Equity (ROE) | 13.8606% | 1,465 |
| Retained earnings to average equity (ytd only) | -7.4892% | 4,761 |
| Net charge-offs to loans | -0.0082% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0542% | 3,294 |
| Assets per employee ($millions) | 6.0279% | 2,577 |
| Cash dividends to net income (ytd only)* | 154.0323% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 4,499 |
| Loan loss allowance to noncurrent loans | 73.7500% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 1,557 |
| Noncurrent loans to loans | 1.0078% | 1,329 |
| Net loans and leases to total assets | 60.3257% | 2,501 |
| Net loans and leases to deposits | 66.4395% | 2,874 |
| Net loans and leases to core deposits | 69.4680% | 2,907 |
| Total domestic deposits to total assets | 90.7980% | 476 |
| Equity capital to assets | 9.0157% | 3,664 |
| Core capital (leverage) ratio | 8.4378% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,383,000 | 4,385 |
| Average earning assets | $70,020,500 | 4,356 |
| Average equity | $7,157,000 | 4,511 |
| Average total loans | $49,038,500 | 4,119 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 1,623 |
| Cost of funding earning assets | 0.9073% | 834 |
| Net interest margin | 3.4805% | 2,529 |
| Noninterest income to average assets | 0.0692% | 4,828 |
| Noninterest expense to average assets | 2.2676% | 3,494 |
| Loan and lease loss provision to assets | 0.2135% | 1,840 |
| Net operating income to assets | 0.8241% | 2,996 |
| Return on assets (ROA) | 0.8241% | 3,121 |
| Pretax return on assets | 0.8241% | 3,569 |
| Return on Equity (ROE) | 7.7753% | 2,897 |
| Retained earnings to average equity (ytd only) | 3.0931% | 3,301 |
| Net charge-offs to loans | 0.0638% | 1,866 |
| Credit loss provision to net charge-offs | 443.7500% | 1,343 |
| Earnings coverage of net charge-offs (x) | 21.5625% | 1,891 |
| Efficiency ratio | 65.9236% | 2,547 |
| Assets per employee ($millions) | 5.4156% | 2,938 |
| Cash dividends to net income (ytd only)* | 60.2190% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 4,590 |
| Loan loss allowance to noncurrent loans | 73.5417% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 636 |
| Noncurrent loans to loans | 0.9514% | 1,486 |
| Net loans and leases to total assets | 71.1575% | 1,407 |
| Net loans and leases to deposits | 79.4976% | 1,927 |
| Net loans and leases to core deposits | 83.6232% | 2,070 |
| Total domestic deposits to total assets | 89.5090% | 763 |
| Equity capital to assets | 10.2964% | 2,839 |
| Core capital (leverage) ratio | 9.4232% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,500,600 | 4,427 |
| Average earning assets | $61,829,800 | 4,422 |
| Average equity | $7,048,000 | 4,520 |
| Average total loans | $50,128,400 | 4,109 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 1,373 |
| Cost of funding earning assets | 0.9431% | 922 |
| Net interest margin | 3.6345% | 2,140 |
| Noninterest income to average assets | 0.1017% | 4,757 |
| Noninterest expense to average assets | 2.4112% | 3,096 |
| Loan and lease loss provision to assets | 0.1877% | 2,105 |
| Net operating income to assets | 0.8831% | 2,763 |
| Return on assets (ROA) | 0.8831% | 2,889 |
| Pretax return on assets | 0.8831% | 3,425 |
| Return on Equity (ROE) | 8.2691% | 2,700 |
| Retained earnings to average equity (ytd only) | 1.9815% | 3,941 |
| Net charge-offs to loans | -0.0453% | 4,646 |
| Credit loss provision to net charge-offs | -541.1765% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6861% | 2,373 |
| Assets per employee ($millions) | 5.1399% | 3,075 |
| Cash dividends to net income (ytd only)* | 76.0369% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 4,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 1,849 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.7607% | 1,545 |
| Net loans and leases to deposits | 81.6643% | 2,133 |
| Net loans and leases to core deposits | 86.5366% | 2,271 |
| Total domestic deposits to total assets | 89.0974% | 728 |
| Equity capital to assets | 10.6946% | 2,627 |
| Core capital (leverage) ratio | 9.7424% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,525,000 | 4,452 |
| Average earning assets | $60,933,000 | 4,446 |
| Average equity | $6,997,750 | 4,543 |
| Average total loans | $50,048,000 | 4,133 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,322 |
| Cost of funding earning assets | 0.9436% | 1,175 |
| Net interest margin | 3.7908% | 1,861 |
| Noninterest income to average assets | 0.0799% | 4,837 |
| Noninterest expense to average assets | 2.4734% | 3,038 |
| Loan and lease loss provision to assets | 0.1290% | 2,731 |
| Net operating income to assets | 0.9955% | 2,347 |
| Return on assets (ROA) | 0.9955% | 2,473 |
| Pretax return on assets | 0.9955% | 3,045 |
| Return on Equity (ROE) | 9.3260% | 2,240 |
| Retained earnings to average equity (ytd only) | -0.1727% | 4,342 |
| Net charge-offs to loans | -0.0675% | 4,757 |
| Credit loss provision to net charge-offs | -247.0588% | 3,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1827% | 2,492 |
| Assets per employee ($millions) | 5.1799% | 2,964 |
| Cash dividends to net income (ytd only)* | 101.8519% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 1,330 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.3037% | 1,508 |
| Net loans and leases to deposits | 82.0935% | 2,198 |
| Net loans and leases to core deposits | 88.4560% | 2,200 |
| Total domestic deposits to total assets | 89.2930% | 646 |
| Equity capital to assets | 10.4486% | 2,791 |
| Core capital (leverage) ratio | 9.7282% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,093,667 | 4,468 |
| Average earning assets | $60,410,000 | 4,464 |
| Average equity | $6,948,333 | 4,573 |
| Average total loans | $50,407,333 | 4,132 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,702 |
| Cost of funding earning assets | 0.9582% | 1,617 |
| Net interest margin | 3.7449% | 2,164 |
| Noninterest income to average assets | 0.0875% | 4,875 |
| Noninterest expense to average assets | 2.4574% | 3,398 |
| Loan and lease loss provision to assets | 0.2001% | 1,517 |
| Net operating income to assets | 0.9004% | 2,523 |
| Return on assets (ROA) | 0.9004% | 2,625 |
| Pretax return on assets | 0.9004% | 3,141 |
| Return on Equity (ROE) | 8.3424% | 2,368 |
| Retained earnings to average equity (ytd only) | -10.7756% | 4,790 |
| Net charge-offs to loans | -0.0709% | 4,734 |
| Credit loss provision to net charge-offs | -355.5556% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4323% | 2,893 |
| Assets per employee ($millions) | 4.9547% | 2,697 |
| Cash dividends to net income (ytd only)* | 229.1667% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 4,798 |
| Loan loss allowance to noncurrent loans | 312.0879% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 1,058 |
| Noncurrent loans to loans | 0.1838% | 3,818 |
| Net loans and leases to total assets | 76.4264% | 1,225 |
| Net loans and leases to deposits | 85.7210% | 2,035 |
| Net loans and leases to core deposits | 92.6783% | 2,099 |
| Total domestic deposits to total assets | 89.1571% | 598 |
| Equity capital to assets | 10.5914% | 3,239 |
| Core capital (leverage) ratio | 9.7537% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,971,000 | 4,500 |
| Average earning assets | $59,280,500 | 4,496 |
| Average equity | $6,904,500 | 4,612 |
| Average total loans | $50,779,000 | 4,144 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 2,166 |
| Cost of funding earning assets | 0.9218% | 2,104 |
| Net interest margin | 3.8381% | 2,375 |
| Noninterest income to average assets | 0.1664% | 4,658 |
| Noninterest expense to average assets | 2.7022% | 2,877 |
| Loan and lease loss provision to assets | 0.1856% | 1,111 |
| Net operating income to assets | 0.8224% | 3,474 |
| Return on assets (ROA) | 0.8224% | 3,572 |
| Pretax return on assets | 0.8224% | 3,928 |
| Return on Equity (ROE) | 7.5440% | 3,345 |
| Retained earnings to average equity (ytd only) | 2.8620% | 3,606 |
| Net charge-offs to loans | 0.1789% | 1,126 |
| Credit loss provision to net charge-offs | 130.3371% | 1,963 |
| Earnings coverage of net charge-offs (x) | 7.0787% | 2,906 |
| Efficiency ratio | 70.2889% | 2,130 |
| Assets per employee ($millions) | 4.5379% | 3,169 |
| Cash dividends to net income (ytd only)* | 62.0623% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4669% | 4,930 |
| Loan loss allowance to noncurrent loans | 70.8455% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 973 |
| Noncurrent loans to loans | 0.6590% | 2,242 |
| Net loans and leases to total assets | 81.5413% | 609 |
| Net loans and leases to deposits | 91.8380% | 1,386 |
| Net loans and leases to core deposits | 97.5538% | 1,768 |
| Total domestic deposits to total assets | 88.7882% | 755 |
| Equity capital to assets | 10.9978% | 2,998 |
| Core capital (leverage) ratio | 10.1769% | 3,327 |
| Tier 1 risk-based capital ratio | 13.1173% | 3,733 |
| Total risk-based capital ratio | 13.6247% | 4,011 |
| Memoranda: | ||
| Average total assets | $62,503,600 | 4,559 |
| Average earning assets | $57,711,200 | 4,563 |
| Average equity | $6,813,400 | 4,658 |
| Average total loans | $49,744,200 | 4,189 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 2,256 |
| Cost of funding earning assets | 0.9097% | 2,190 |
| Net interest margin | 3.8471% | 2,450 |
| Noninterest income to average assets | 0.1499% | 4,798 |
| Noninterest expense to average assets | 2.6046% | 3,163 |
| Loan and lease loss provision to assets | 0.0643% | 2,605 |
| Net operating income to assets | 1.0388% | 2,825 |
| Return on assets (ROA) | 1.0410% | 2,902 |
| Pretax return on assets | 1.0431% | 3,466 |
| Return on Equity (ROE) | 9.5713% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.2889% | 3,769 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6674% | 2,473 |
| Assets per employee ($millions) | 4.4046% | 3,335 |
| Cash dividends to net income (ytd only)* | 65.6378% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 4,959 |
| Loan loss allowance to noncurrent loans | 615.0000% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 1,836 |
| Noncurrent loans to loans | 0.0832% | 4,266 |
| Net loans and leases to total assets | 77.5383% | 1,219 |
| Net loans and leases to deposits | 87.6051% | 1,987 |
| Net loans and leases to core deposits | 94.1573% | 2,165 |
| Total domestic deposits to total assets | 88.5089% | 823 |
| Equity capital to assets | 11.2835% | 2,847 |
| Core capital (leverage) ratio | 10.4030% | 3,193 |
| Tier 1 risk-based capital ratio | 15.3651% | 2,681 |
| Total risk-based capital ratio | 15.9711% | 2,909 |
| Memoranda: | ||
| Average total assets | $62,246,750 | 4,621 |
| Average earning assets | $57,600,500 | 4,619 |
| Average equity | $6,770,000 | 4,722 |
| Average total loans | $49,168,500 | 4,252 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 2,458 |
| Cost of funding earning assets | 0.8901% | 2,198 |
| Net interest margin | 3.7779% | 2,657 |
| Noninterest income to average assets | 0.1217% | 4,959 |
| Noninterest expense to average assets | 2.6265% | 3,126 |
| Loan and lease loss provision to assets | 0.0961% | 1,934 |
| Net operating income to assets | 0.9065% | 3,256 |
| Return on assets (ROA) | 0.9097% | 3,305 |
| Pretax return on assets | 0.9097% | 3,820 |
| Return on Equity (ROE) | 8.4683% | 3,081 |
| Retained earnings to average equity (ytd only) | -1.0436% | 4,831 |
| Net charge-offs to loans | -0.0161% | 4,478 |
| Credit loss provision to net charge-offs | -750.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7264% | 2,268 |
| Assets per employee ($millions) | 4.8275% | 2,701 |
| Cash dividends to net income (ytd only)* | 112.3239% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5069% | 5,007 |
| Loan loss allowance to noncurrent loans | 141.2429% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 3,429 |
| Noncurrent loans to loans | 0.3589% | 3,252 |
| Net loans and leases to total assets | 78.1956% | 1,189 |
| Net loans and leases to deposits | 87.8659% | 2,022 |
| Net loans and leases to core deposits | 95.2338% | 2,135 |
| Total domestic deposits to total assets | 88.9942% | 662 |
| Equity capital to assets | 10.7683% | 3,292 |
| Core capital (leverage) ratio | 9.9353% | 3,656 |
| Tier 1 risk-based capital ratio | 13.7624% | 3,445 |
| Total risk-based capital ratio | 14.3337% | 3,703 |
| Memoranda: | ||
| Average total assets | $62,440,670 | 4,647 |
| Average earning assets | $57,968,670 | 4,649 |
| Average equity | $6,707,330 | 4,757 |
| Average total loans | $49,538,000 | 4,265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 2,567 |
| Cost of funding earning assets | 0.8527% | 2,258 |
| Net interest margin | 3.7366% | 2,757 |
| Noninterest income to average assets | 0.1220% | 5,004 |
| Noninterest expense to average assets | 2.4855% | 3,552 |
| Loan and lease loss provision to assets | 0.0963% | 1,819 |
| Net operating income to assets | 1.0019% | 2,830 |
| Return on assets (ROA) | 1.0019% | 2,872 |
| Pretax return on assets | 1.0019% | 3,432 |
| Return on Equity (ROE) | 9.3385% | 2,654 |
| Retained earnings to average equity (ytd only) | -9.7576% | 5,097 |
| Net charge-offs to loans | -0.0161% | 4,407 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4731% | 5,149 |
| Assets per employee ($millions) | 4.7879% | 2,804 |
| Cash dividends to net income (ytd only)* | 204.4872% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 5,113 |
| Loan loss allowance to noncurrent loans | 568.2927% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,132 |
| Noncurrent loans to loans | 0.0829% | 4,385 |
| Net loans and leases to total assets | 79.1141% | 975 |
| Net loans and leases to deposits | 89.2568% | 1,720 |
| Net loans and leases to core deposits | 95.4229% | 1,985 |
| Total domestic deposits to total assets | 88.6365% | 1,021 |
| Equity capital to assets | 10.6261% | 3,230 |
| Core capital (leverage) ratio | 9.7044% | 3,913 |
| Tier 1 risk-based capital ratio | 13.4329% | 3,641 |
| Total risk-based capital ratio | 13.9652% | 3,928 |
| Memoranda: | ||
| Average total assets | $62,282,000 | 4,700 |
| Average earning assets | $57,700,000 | 4,701 |
| Average equity | $6,682,000 | 4,799 |
| Average total loans | $49,645,000 | 4,308 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 2,630 |
| Cost of funding earning assets | 0.6704% | 2,261 |
| Net interest margin | 3.7710% | 2,776 |
| Noninterest income to average assets | 0.2366% | 4,503 |
| Noninterest expense to average assets | 2.6411% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0830% | 2,667 |
| Return on assets (ROA) | 1.0830% | 2,665 |
| Pretax return on assets | 1.0830% | 3,336 |
| Return on Equity (ROE) | 10.7199% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.7199% | 484 |
| Net charge-offs to loans | -0.0173% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9200% | 2,052 |
| Assets per employee ($millions) | 4.7939% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4336% | 5,187 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,084 |
| Noncurrent loans to loans | 0.0964% | 4,310 |
| Net loans and leases to total assets | 79.5847% | 1,003 |
| Net loans and leases to deposits | 89.4141% | 1,876 |
| Net loans and leases to core deposits | 96.0048% | 2,063 |
| Total domestic deposits to total assets | 89.0069% | 851 |
| Equity capital to assets | 10.8310% | 2,862 |
| Core capital (leverage) ratio | 10.0308% | 3,539 |
| Tier 1 risk-based capital ratio | 12.9709% | 3,857 |
| Total risk-based capital ratio | 13.4356% | 4,186 |
| Memoranda: | ||
| Average total assets | $49,032,200 | 4,952 |
| Average earning assets | $45,346,000 | 4,947 |
| Average equity | $4,953,400 | 5,056 |
| Average total loans | $40,436,600 | 4,542 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 3,314 |
| Cost of funding earning assets | 0.6112% | 2,398 |
| Net interest margin | 3.5914% | 3,396 |
| Noninterest income to average assets | 0.2713% | 4,338 |
| Noninterest expense to average assets | 2.7068% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8897% | 3,584 |
| Return on assets (ROA) | 0.8897% | 3,584 |
| Pretax return on assets | 0.8897% | 4,055 |
| Return on Equity (ROE) | 9.0284% | 3,067 |
| Retained earnings to average equity (ytd only) | 9.0284% | 1,208 |
| Net charge-offs to loans | -0.0140% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2636% | 1,431 |
| Assets per employee ($millions) | 4.6652% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 5,267 |
| Loan loss allowance to noncurrent loans | 210.8911% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,733 |
| Noncurrent loans to loans | 0.1983% | 4,000 |
| Net loans and leases to total assets | 83.6496% | 494 |
| Net loans and leases to deposits | 93.8629% | 1,394 |
| Net loans and leases to core deposits | 100.9733% | 1,702 |
| Total domestic deposits to total assets | 89.1190% | 807 |
| Equity capital to assets | 10.7507% | 2,896 |
| Core capital (leverage) ratio | 9.8328% | 3,814 |
| Tier 1 risk-based capital ratio | 12.0286% | 4,488 |
| Total risk-based capital ratio | 12.4695% | 4,836 |
| Memoranda: | ||
| Average total assets | $45,710,000 | 5,079 |
| Average earning assets | $42,322,000 | 5,066 |
| Average equity | $4,504,250 | 5,173 |
| Average total loans | $38,092,250 | 4,660 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,591 |
| Cost of funding earning assets | 0.4976% | 3,020 |
| Net interest margin | 3.1997% | 4,504 |
| Noninterest income to average assets | 0.1129% | 5,222 |
| Noninterest expense to average assets | 2.6024% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4468% | 4,864 |
| Return on assets (ROA) | 0.4468% | 4,869 |
| Pretax return on assets | 0.4468% | 4,993 |
| Return on Equity (ROE) | 4.7491% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.7491% | 3,209 |
| Net charge-offs to loans | -0.0118% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3462% | 607 |
| Assets per employee ($millions) | 4.6205% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4219% | 5,339 |
| Loan loss allowance to noncurrent loans | 59.2697% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 2,121 |
| Noncurrent loans to loans | 0.7118% | 2,330 |
| Net loans and leases to total assets | 82.9107% | 588 |
| Net loans and leases to deposits | 95.9613% | 1,143 |
| Net loans and leases to core deposits | 102.5830% | 1,524 |
| Total domestic deposits to total assets | 86.4002% | 2,096 |
| Equity capital to assets | 10.4949% | 3,124 |
| Core capital (leverage) ratio | 9.6766% | 3,911 |
| Tier 1 risk-based capital ratio | 10.9548% | 5,074 |
| Total risk-based capital ratio | 11.3688% | 5,326 |
| Memoranda: | ||
| Average total assets | $40,731,000 | 5,210 |
| Average earning assets | $37,378,670 | 5,207 |
| Average equity | $3,832,330 | 5,326 |
| Average total loans | $33,808,330 | 4,813 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,636 |
| Cost of funding earning assets | 0.6480% | 1,728 |
| Net interest margin | 3.9301% | 1,928 |
| Noninterest income to average assets | 0.1288% | 5,218 |
| Noninterest expense to average assets | 3.0132% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7082% | 4,069 |
| Return on assets (ROA) | 0.7082% | 4,077 |
| Pretax return on assets | 0.7082% | 4,418 |
| Return on Equity (ROE) | 8.4729% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.4729% | 1,666 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9689% | 1,046 |
| Assets per employee ($millions) | 4.2444% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 4,677 |
| Loan loss allowance to noncurrent loans | 138.4106% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 2,091 |
| Noncurrent loans to loans | 0.6063% | 2,732 |
| Net loans and leases to total assets | 83.1241% | 525 |
| Net loans and leases to deposits | 94.8171% | 1,157 |
| Net loans and leases to core deposits | 101.8559% | 1,543 |
| Total domestic deposits to total assets | 87.6679% | 1,806 |
| Equity capital to assets | 8.7880% | 4,751 |
| Core capital (leverage) ratio | 8.3686% | 5,220 |
| Tier 1 risk-based capital ratio | 11.8945% | 4,607 |
| Total risk-based capital ratio | 12.8398% | 4,700 |
| Memoranda: | ||
| Average total assets | $31,063,000 | 5,415 |
| Average earning assets | $28,396,500 | 5,407 |
| Average equity | $2,596,500 | 5,500 |
| Average total loans | $25,706,000 | 5,084 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,771 |
| Cost of funding earning assets | 0.5746% | 1,784 |
| Net interest margin | 3.9085% | 2,065 |
| Noninterest income to average assets | 0.1824% | 5,042 |
| Noninterest expense to average assets | 2.9447% | 2,299 |
| Loan and lease loss provision to assets | 0.0768% | 2,665 |
| Net operating income to assets | 0.6178% | 3,938 |
| Return on assets (ROA) | 0.6178% | 3,979 |
| Pretax return on assets | 0.7970% | 4,251 |
| Return on Equity (ROE) | 7.6825% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.1000% | 2,706 |
| Net charge-offs to loans | 0.1004% | 2,071 |
| Credit loss provision to net charge-offs | 92.3077% | 2,743 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,669 |
| Efficiency ratio | 77.1165% | 1,469 |
| Assets per employee ($millions) | 4.0519% | 3,880 |
| Cash dividends to net income (ytd only)* | 46.6321% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,861 |
| Loan loss allowance to noncurrent loans | 116.7598% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 1,871 |
| Noncurrent loans to loans | 0.6753% | 2,523 |
| Net loans and leases to total assets | 81.1260% | 815 |
| Net loans and leases to deposits | 98.1451% | 891 |
| Net loans and leases to core deposits | 105.2133% | 1,328 |
| Total domestic deposits to total assets | 82.6593% | 3,672 |
| Equity capital to assets | 7.9654% | 5,407 |
| Core capital (leverage) ratio | 8.0247% | 5,429 |
| Tier 1 risk-based capital ratio | 10.5543% | 5,348 |
| Total risk-based capital ratio | 11.4107% | 5,418 |
| Memoranda: | ||
| Average total assets | $31,242,400 | 5,475 |
| Average earning assets | $29,064,800 | 5,455 |
| Average equity | $2,512,200 | 5,571 |
| Average total loans | $25,888,600 | 5,133 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 1,791 |
| Cost of funding earning assets | 0.5474% | 1,916 |
| Net interest margin | 3.9006% | 2,042 |
| Noninterest income to average assets | 0.1723% | 5,155 |
| Noninterest expense to average assets | 2.8605% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7237% | 3,856 |
| Return on assets (ROA) | 0.7237% | 3,918 |
| Pretax return on assets | 0.9650% | 3,819 |
| Return on Equity (ROE) | 8.9785% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.1688% | 3,420 |
| Net charge-offs to loans | -0.1036% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7748% | 1,777 |
| Assets per employee ($millions) | 4.0219% | 3,956 |
| Cash dividends to net income (ytd only)* | 53.5738% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 4,706 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,836 |
| Noncurrent loans to loans | 0.0150% | 5,076 |
| Net loans and leases to total assets | 82.3776% | 624 |
| Net loans and leases to deposits | 105.8084% | 427 |
| Net loans and leases to core deposits | 114.0000% | 838 |
| Total domestic deposits to total assets | 77.8555% | 4,756 |
| Equity capital to assets | 8.0218% | 5,510 |
| Core capital (leverage) ratio | 8.0433% | 5,502 |
| Tier 1 risk-based capital ratio | 10.8958% | 5,299 |
| Total risk-based capital ratio | 11.8710% | 5,335 |
| Memoranda: | ||
| Average total assets | $30,949,250 | 5,535 |
| Average earning assets | $28,986,250 | 5,516 |
| Average equity | $2,494,750 | 5,636 |
| Average total loans | $25,734,250 | 5,184 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 1,800 |
| Cost of funding earning assets | 0.5104% | 2,082 |
| Net interest margin | 3.8947% | 1,946 |
| Noninterest income to average assets | 0.1703% | 5,200 |
| Noninterest expense to average assets | 2.7963% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6549% | 4,052 |
| Return on assets (ROA) | 0.6549% | 4,112 |
| Pretax return on assets | 1.0216% | 3,472 |
| Return on Equity (ROE) | 8.1103% | 2,962 |
| Retained earnings to average equity (ytd only) | 0.8110% | 4,890 |
| Net charge-offs to loans | -0.1575% | 5,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2419% | 2,143 |
| Assets per employee ($millions) | 3.9096% | 4,119 |
| Cash dividends to net income (ytd only)* | 90.0000% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 3,129 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 83.0419% | 548 |
| Net loans and leases to deposits | 101.9629% | 612 |
| Net loans and leases to core deposits | 109.7157% | 1,016 |
| Total domestic deposits to total assets | 81.4432% | 4,063 |
| Equity capital to assets | 8.0570% | 5,513 |
| Core capital (leverage) ratio | 8.2353% | 5,406 |
| Tier 1 risk-based capital ratio | 11.0604% | 5,222 |
| Total risk-based capital ratio | 12.0743% | 5,259 |
| Memoranda: | ||
| Average total assets | $30,540,670 | 5,587 |
| Average earning assets | $28,603,000 | 5,565 |
| Average equity | $2,466,000 | 5,684 |
| Average total loans | $25,400,330 | 5,237 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,009 |
| Cost of funding earning assets | 0.4677% | 2,362 |
| Net interest margin | 3.8126% | 2,077 |
| Noninterest income to average assets | 0.1723% | 5,247 |
| Noninterest expense to average assets | 2.7575% | 2,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2386% | 5,329 |
| Return on assets (ROA) | 0.2386% | 5,342 |
| Pretax return on assets | 0.9810% | 3,448 |
| Return on Equity (ROE) | 2.9520% | 5,113 |
| Retained earnings to average equity (ytd only) | -11.8081% | 5,618 |
| Net charge-offs to loans | -0.3200% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7589% | 2,272 |
| Assets per employee ($millions) | 3.6963% | 4,512 |
| Cash dividends to net income (ytd only)* | 500.0000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,641 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 3,014 |
| Noncurrent loans to loans | 0.0161% | 5,174 |
| Net loans and leases to total assets | 83.2398% | 442 |
| Net loans and leases to deposits | 99.1660% | 672 |
| Net loans and leases to core deposits | 106.9198% | 1,037 |
| Total domestic deposits to total assets | 83.9398% | 3,500 |
| Equity capital to assets | 8.1535% | 5,444 |
| Core capital (leverage) ratio | 7.9831% | 5,566 |
| Tier 1 risk-based capital ratio | 11.2013% | 5,206 |
| Total risk-based capital ratio | 12.2790% | 5,202 |
| Memoranda: | ||
| Average total assets | $30,172,500 | 5,659 |
| Average earning assets | $28,222,000 | 5,635 |
| Average equity | $2,439,000 | 5,748 |
| Average total loans | $24,998,500 | 5,299 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 1,681 |
| Cost of funding earning assets | 0.4361% | 2,643 |
| Net interest margin | 4.0159% | 1,588 |
| Noninterest income to average assets | 0.1584% | 5,419 |
| Noninterest expense to average assets | 2.8639% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6200% | 4,121 |
| Return on assets (ROA) | 0.6200% | 4,241 |
| Pretax return on assets | 1.0175% | 3,418 |
| Return on Equity (ROE) | 7.6374% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.6374% | 986 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7847% | 2,317 |
| Assets per employee ($millions) | 3.8469% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 4,991 |
| Loan loss allowance to noncurrent loans | 107.6531% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 1,545 |
| Noncurrent loans to loans | 0.7793% | 2,573 |
| Net loans and leases to total assets | 81.0431% | 734 |
| Net loans and leases to deposits | 92.3604% | 1,401 |
| Net loans and leases to core deposits | 103.0450% | 1,354 |
| Total domestic deposits to total assets | 87.7465% | 1,769 |
| Equity capital to assets | 8.0162% | 5,559 |
| Core capital (leverage) ratio | 8.2222% | 5,497 |
| Tier 1 risk-based capital ratio | 11.0446% | 5,320 |
| Total risk-based capital ratio | 11.9870% | 5,376 |
| Memoranda: | ||
| Average total assets | $29,679,600 | 5,717 |
| Average earning assets | $27,515,800 | 5,702 |
| Average equity | $2,409,200 | 5,809 |
| Average total loans | $23,759,800 | 5,401 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,692 |
| Cost of funding earning assets | 0.4348% | 2,688 |
| Net interest margin | 4.0162% | 1,606 |
| Noninterest income to average assets | 0.1632% | 5,454 |
| Noninterest expense to average assets | 2.8746% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6575% | 4,044 |
| Return on assets (ROA) | 0.6575% | 4,164 |
| Pretax return on assets | 1.0157% | 3,577 |
| Return on Equity (ROE) | 8.0731% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.0731% | 1,146 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8928% | 2,303 |
| Assets per employee ($millions) | 3.7191% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,047 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.2810% | 850 |
| Net loans and leases to deposits | 91.9258% | 1,508 |
| Net loans and leases to core deposits | 103.0280% | 1,416 |
| Total domestic deposits to total assets | 87.3324% | 1,745 |
| Equity capital to assets | 8.3588% | 5,602 |
| Core capital (leverage) ratio | 8.2130% | 5,562 |
| Tier 1 risk-based capital ratio | 11.5110% | 5,080 |
| Total risk-based capital ratio | 12.5089% | 5,123 |
| Memoranda: | ||
| Average total assets | $29,405,750 | 5,779 |
| Average earning assets | $27,288,500 | 5,764 |
| Average equity | $2,394,750 | 5,875 |
| Average total loans | $23,411,750 | 5,460 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 1,800 |
| Cost of funding earning assets | 0.4263% | 2,766 |
| Net interest margin | 3.9833% | 1,696 |
| Noninterest income to average assets | 0.1297% | 5,670 |
| Noninterest expense to average assets | 2.8337% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6214% | 4,183 |
| Return on assets (ROA) | 0.6214% | 4,313 |
| Pretax return on assets | 0.9969% | 3,596 |
| Return on Equity (ROE) | 7.6988% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.6988% | 1,289 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9750% | 2,364 |
| Assets per employee ($millions) | 3.7453% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 5,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 3,077 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.7811% | 943 |
| Net loans and leases to deposits | 90.3845% | 1,707 |
| Net loans and leases to core deposits | 101.0868% | 1,554 |
| Total domestic deposits to total assets | 88.2685% | 1,289 |
| Equity capital to assets | 8.1336% | 5,762 |
| Core capital (leverage) ratio | 7.9770% | 5,739 |
| Tier 1 risk-based capital ratio | 10.9371% | 5,453 |
| Total risk-based capital ratio | 11.9175% | 5,511 |
| Memoranda: | ||
| Average total assets | $29,290,000 | 5,856 |
| Average earning assets | $27,213,670 | 5,837 |
| Average equity | $2,364,000 | 5,950 |
| Average total loans | $23,183,330 | 5,531 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 1,832 |
| Cost of funding earning assets | 0.4167% | 2,886 |
| Net interest margin | 3.9731% | 1,699 |
| Noninterest income to average assets | 0.1243% | 5,719 |
| Noninterest expense to average assets | 2.6939% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6631% | 3,914 |
| Return on assets (ROA) | 0.6631% | 4,040 |
| Pretax return on assets | 1.1190% | 3,021 |
| Return on Equity (ROE) | 8.2492% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.2492% | 1,354 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6522% | 3,015 |
| Assets per employee ($millions) | 3.6868% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 2,961 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.9818% | 1,250 |
| Net loans and leases to deposits | 89.1581% | 1,683 |
| Net loans and leases to core deposits | 98.0100% | 1,636 |
| Total domestic deposits to total assets | 86.3430% | 2,521 |
| Equity capital to assets | 8.0050% | 5,823 |
| Core capital (leverage) ratio | 8.2138% | 5,645 |
| Tier 1 risk-based capital ratio | 11.0475% | 5,479 |
| Total risk-based capital ratio | 12.0454% | 5,514 |
| Memoranda: | ||
| Average total assets | $28,954,000 | 5,923 |
| Average earning assets | $26,881,000 | 5,902 |
| Average equity | $2,327,500 | 6,011 |
| Average total loans | $22,717,500 | 5,600 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 1,803 |
| Cost of funding earning assets | 0.4360% | 2,774 |
| Net interest margin | 3.9936% | 1,735 |
| Noninterest income to average assets | 0.2014% | 5,384 |
| Noninterest expense to average assets | 3.1772% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4751% | 4,793 |
| Return on assets (ROA) | 0.4751% | 4,871 |
| Pretax return on assets | 0.7145% | 4,487 |
| Return on Equity (ROE) | 5.6612% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.6612% | 1,978 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5430% | 1,470 |
| Assets per employee ($millions) | 3.5518% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 4,931 |
| Loan loss allowance to noncurrent loans | 2,110.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 2,716 |
| Noncurrent loans to loans | 0.0444% | 5,339 |
| Net loans and leases to total assets | 78.5106% | 1,055 |
| Net loans and leases to deposits | 87.3180% | 1,956 |
| Net loans and leases to core deposits | 95.9566% | 1,853 |
| Total domestic deposits to total assets | 89.9134% | 665 |
| Equity capital to assets | 8.0735% | 5,826 |
| Core capital (leverage) ratio | 8.2737% | 5,627 |
| Tier 1 risk-based capital ratio | 10.8069% | 5,623 |
| Total risk-based capital ratio | 11.8030% | 5,671 |
| Memoranda: | ||
| Average total assets | $26,312,200 | 6,013 |
| Average earning assets | $24,313,600 | 5,992 |
| Average equity | $2,208,000 | 6,077 |
| Average total loans | $19,666,400 | 5,732 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 1,855 |
| Cost of funding earning assets | 0.4369% | 2,829 |
| Net interest margin | 3.9828% | 1,756 |
| Noninterest income to average assets | 0.2120% | 5,378 |
| Noninterest expense to average assets | 3.1592% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5222% | 4,713 |
| Return on assets (ROA) | 0.5222% | 4,797 |
| Pretax return on assets | 0.7290% | 4,576 |
| Return on Equity (ROE) | 6.1587% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.1587% | 2,149 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1170% | 1,509 |
| Assets per employee ($millions) | 3.6594% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 4,567 |
| Loan loss allowance to noncurrent loans | 811.5385% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 2,469 |
| Noncurrent loans to loans | 0.1272% | 5,120 |
| Net loans and leases to total assets | 78.9585% | 963 |
| Net loans and leases to deposits | 88.5707% | 1,828 |
| Net loans and leases to core deposits | 93.9172% | 2,080 |
| Total domestic deposits to total assets | 89.1474% | 949 |
| Equity capital to assets | 8.7992% | 5,490 |
| Core capital (leverage) ratio | 8.7038% | 5,347 |
| Tier 1 risk-based capital ratio | 11.2699% | 5,509 |
| Total risk-based capital ratio | 12.3170% | 5,517 |
| Memoranda: | ||
| Average total assets | $25,786,750 | 6,103 |
| Average earning assets | $23,802,000 | 6,080 |
| Average equity | $2,186,500 | 6,163 |
| Average total loans | $18,953,250 | 5,832 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,038 |
| Cost of funding earning assets | 0.4401% | 2,840 |
| Net interest margin | 3.9018% | 1,971 |
| Noninterest income to average assets | 0.2012% | 5,472 |
| Noninterest expense to average assets | 3.1265% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4721% | 4,882 |
| Return on assets (ROA) | 0.4721% | 4,978 |
| Pretax return on assets | 0.6423% | 4,850 |
| Return on Equity (ROE) | 5.6377% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.6377% | 2,441 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9569% | 1,375 |
| Assets per employee ($millions) | 3.6309% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 4,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 2,794 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.8544% | 1,525 |
| Net loans and leases to deposits | 82.0538% | 2,546 |
| Net loans and leases to core deposits | 83.1294% | 3,070 |
| Total domestic deposits to total assets | 91.2260% | 249 |
| Equity capital to assets | 8.6363% | 5,576 |
| Core capital (leverage) ratio | 8.6848% | 5,340 |
| Tier 1 risk-based capital ratio | 12.2868% | 4,945 |
| Total risk-based capital ratio | 13.4515% | 4,896 |
| Memoranda: | ||
| Average total assets | $25,843,670 | 6,176 |
| Average earning assets | $23,630,330 | 6,153 |
| Average equity | $2,164,000 | 6,238 |
| Average total loans | $18,458,670 | 5,909 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,196 |
| Cost of funding earning assets | 0.4520% | 2,751 |
| Net interest margin | 3.8170% | 2,179 |
| Noninterest income to average assets | 0.2456% | 5,206 |
| Noninterest expense to average assets | 3.0701% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4298% | 4,945 |
| Return on assets (ROA) | 0.4298% | 5,069 |
| Pretax return on assets | 0.6754% | 4,669 |
| Return on Equity (ROE) | 5.2129% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.2129% | 2,943 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9672% | 1,623 |
| Assets per employee ($millions) | 3.6950% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,918.1818% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 2,731 |
| Noncurrent loans to loans | 0.0608% | 5,535 |
| Net loans and leases to total assets | 69.1243% | 2,263 |
| Net loans and leases to deposits | 75.7007% | 3,088 |
| Net loans and leases to core deposits | 76.6747% | 3,522 |
| Total domestic deposits to total assets | 91.3126% | 275 |
| Equity capital to assets | 8.4786% | 5,756 |
| Core capital (leverage) ratio | 8.4189% | 5,607 |
| Tier 1 risk-based capital ratio | 12.9366% | 4,640 |
| Total risk-based capital ratio | 14.1836% | 4,560 |
| Memoranda: | ||
| Average total assets | $26,057,500 | 6,240 |
| Average earning assets | $23,893,000 | 6,216 |
| Average equity | $2,148,500 | 6,305 |
| Average total loans | $18,070,000 | 5,972 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 2,284 |
| Cost of funding earning assets | 0.4780% | 2,901 |
| Net interest margin | 3.9039% | 2,225 |
| Noninterest income to average assets | 0.2118% | 5,589 |
| Noninterest expense to average assets | 3.1498% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4082% | 5,197 |
| Return on assets (ROA) | 0.4082% | 5,256 |
| Pretax return on assets | 0.6469% | 4,791 |
| Return on Equity (ROE) | 5.3584% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.8529% | 2,715 |
| Net charge-offs to loans | 0.1943% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 3,501 |
| Efficiency ratio | 82.9615% | 1,531 |
| Assets per employee ($millions) | 3.7500% | 4,441 |
| Cash dividends to net income (ytd only)* | 9.4340% | 4,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 4,204 |
| Loan loss allowance to noncurrent loans | 1,909.0909% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 2,815 |
| Noncurrent loans to loans | 0.0609% | 5,636 |
| Net loans and leases to total assets | 67.9619% | 2,556 |
| Net loans and leases to deposits | 74.0126% | 3,435 |
| Net loans and leases to core deposits | 75.9020% | 3,717 |
| Total domestic deposits to total assets | 91.8248% | 172 |
| Equity capital to assets | 8.0152% | 6,064 |
| Core capital (leverage) ratio | 8.3394% | 5,737 |
| Tier 1 risk-based capital ratio | 11.6843% | 5,555 |
| Total risk-based capital ratio | 12.8187% | 5,533 |
| Memoranda: | ||
| Average total assets | $25,970,000 | 6,326 |
| Average earning assets | $23,847,800 | 6,295 |
| Average equity | $1,978,200 | 6,404 |
| Average total loans | $16,983,600 | 6,088 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 2,153 |
| Cost of funding earning assets | 0.4806% | 2,950 |
| Net interest margin | 3.9399% | 2,077 |
| Noninterest income to average assets | 0.2162% | 5,639 |
| Noninterest expense to average assets | 3.1556% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4839% | 4,933 |
| Return on assets (ROA) | 0.4839% | 5,006 |
| Pretax return on assets | 0.6898% | 4,731 |
| Return on Equity (ROE) | 6.4379% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.4379% | 2,146 |
| Net charge-offs to loans | 0.0160% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 66.9139% | 803 |
| Efficiency ratio | 81.7938% | 1,646 |
| Assets per employee ($millions) | 3.6249% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 3,472 |
| Loan loss allowance to noncurrent loans | 753.1250% | 707 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 2,737 |
| Noncurrent loans to loans | 0.1773% | 5,379 |
| Net loans and leases to total assets | 70.1781% | 2,168 |
| Net loans and leases to deposits | 76.5399% | 3,127 |
| Net loans and leases to core deposits | 77.5397% | 3,579 |
| Total domestic deposits to total assets | 91.6883% | 201 |
| Equity capital to assets | 8.0713% | 6,098 |
| Core capital (leverage) ratio | 8.1995% | 5,932 |
| Tier 1 risk-based capital ratio | 12.3266% | 5,280 |
| Total risk-based capital ratio | 13.5598% | 5,217 |
| Memoranda: | ||
| Average total assets | $25,900,000 | 6,404 |
| Average earning assets | $23,858,250 | 6,370 |
| Average equity | $1,946,750 | 6,486 |
| Average total loans | $16,717,000 | 6,162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,602 |
| Cost of funding earning assets | 0.5003% | 2,829 |
| Net interest margin | 3.7939% | 2,593 |
| Noninterest income to average assets | -0.0460% | 6,582 |
| Noninterest expense to average assets | 2.9530% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3383% | 5,438 |
| Return on assets (ROA) | 0.3912% | 5,325 |
| Pretax return on assets | 0.5676% | 5,064 |
| Return on Equity (ROE) | 5.3319% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.3319% | 2,741 |
| Net charge-offs to loans | 0.0123% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 772 |
| Efficiency ratio | 85.5234% | 1,318 |
| Assets per employee ($millions) | 3.7713% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 3,246 |
| Loan loss allowance to noncurrent loans | 780.6452% | 635 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 2,894 |
| Noncurrent loans to loans | 0.1819% | 5,465 |
| Net loans and leases to total assets | 63.6236% | 3,139 |
| Net loans and leases to deposits | 69.0256% | 3,937 |
| Net loans and leases to core deposits | 69.8872% | 4,279 |
| Total domestic deposits to total assets | 92.1739% | 150 |
| Equity capital to assets | 7.6026% | 6,323 |
| Core capital (leverage) ratio | 8.0857% | 6,032 |
| Tier 1 risk-based capital ratio | 12.6132% | 5,149 |
| Total risk-based capital ratio | 13.8644% | 5,080 |
| Memoranda: | ||
| Average total assets | $26,075,330 | 6,466 |
| Average earning assets | $23,985,670 | 6,434 |
| Average equity | $1,913,000 | 6,550 |
| Average total loans | $16,273,330 | 6,228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 2,647 |
| Cost of funding earning assets | 0.5039% | 2,863 |
| Net interest margin | 3.7628% | 2,626 |
| Noninterest income to average assets | -0.1389% | 6,671 |
| Noninterest expense to average assets | 3.0100% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2176% | 5,752 |
| Return on assets (ROA) | 0.2933% | 5,559 |
| Pretax return on assets | 0.4168% | 5,401 |
| Return on Equity (ROE) | 4.0729% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.0729% | 3,675 |
| Net charge-offs to loans | 0.0252% | 3,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,349 |
| Efficiency ratio | 90.6977% | 972 |
| Assets per employee ($millions) | 3.7254% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,096 |
| Loan loss allowance to noncurrent loans | 562.7907% | 844 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 2,012 |
| Noncurrent loans to loans | 0.2685% | 5,299 |
| Net loans and leases to total assets | 60.4801% | 3,477 |
| Net loans and leases to deposits | 65.4657% | 4,151 |
| Net loans and leases to core deposits | 66.2912% | 4,467 |
| Total domestic deposits to total assets | 92.3844% | 181 |
| Equity capital to assets | 7.3434% | 6,364 |
| Core capital (leverage) ratio | 7.9580% | 6,144 |
| Tier 1 risk-based capital ratio | 11.8993% | 5,711 |
| Total risk-based capital ratio | 13.1492% | 5,629 |
| Memoranda: | ||
| Average total assets | $25,913,500 | 6,536 |
| Average earning assets | $23,812,000 | 6,504 |
| Average equity | $1,866,000 | 6,620 |
| Average total loans | $15,891,000 | 6,311 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 3,580 |
| Cost of funding earning assets | 0.6180% | 2,502 |
| Net interest margin | 3.5225% | 3,795 |
| Noninterest income to average assets | 0.0911% | 6,418 |
| Noninterest expense to average assets | 2.8518% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3356% | 5,391 |
| Return on assets (ROA) | 0.3304% | 5,520 |
| Pretax return on assets | 0.4785% | 5,263 |
| Return on Equity (ROE) | 4.5891% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.5891% | 2,891 |
| Net charge-offs to loans | 0.4827% | 1,378 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.7778% | 4,450 |
| Efficiency ratio | 85.4380% | 1,473 |
| Assets per employee ($millions) | 3.6784% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 3,002 |
| Loan loss allowance to noncurrent loans | 528.2609% | 925 |
| Noncurrent assets plus other real estate owned to assets | 1.8680% | 1,954 |
| Noncurrent loans to loans | 0.2917% | 5,313 |
| Net loans and leases to total assets | 60.2936% | 3,662 |
| Net loans and leases to deposits | 65.2695% | 4,385 |
| Net loans and leases to core deposits | 66.1032% | 4,685 |
| Total domestic deposits to total assets | 92.3764% | 220 |
| Equity capital to assets | 7.0566% | 6,445 |
| Core capital (leverage) ratio | 8.0411% | 6,105 |
| Tier 1 risk-based capital ratio | 11.6394% | 5,830 |
| Total risk-based capital ratio | 12.8901% | 5,769 |
| Memoranda: | ||
| Average total assets | $26,333,800 | 6,601 |
| Average earning assets | $24,272,600 | 6,571 |
| Average equity | $1,895,800 | 6,708 |
| Average total loans | $14,916,600 | 6,423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,823 |
| Cost of funding earning assets | 0.6390% | 2,461 |
| Net interest margin | 3.4463% | 4,100 |
| Noninterest income to average assets | 0.0453% | 6,650 |
| Noninterest expense to average assets | 2.7844% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3122% | 5,578 |
| Return on assets (ROA) | 0.3122% | 5,689 |
| Pretax return on assets | 0.4380% | 5,534 |
| Return on Equity (ROE) | 4.3153% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.3153% | 3,609 |
| Net charge-offs to loans | 0.5622% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.4033% | 4,368 |
| Efficiency ratio | 86.4063% | 1,329 |
| Assets per employee ($millions) | 3.1958% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 2,674 |
| Loan loss allowance to noncurrent loans | 451.7857% | 969 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 2,100 |
| Noncurrent loans to loans | 0.3731% | 5,283 |
| Net loans and leases to total assets | 57.7173% | 4,057 |
| Net loans and leases to deposits | 63.4176% | 4,579 |
| Net loans and leases to core deposits | 64.2459% | 4,877 |
| Total domestic deposits to total assets | 91.0115% | 527 |
| Equity capital to assets | 7.2440% | 6,481 |
| Core capital (leverage) ratio | 8.0216% | 6,204 |
| Tier 1 risk-based capital ratio | 12.2816% | 5,585 |
| Total risk-based capital ratio | 13.4162% | 5,610 |
| Memoranda: | ||
| Average total assets | $26,480,000 | 6,669 |
| Average earning assets | $24,412,000 | 6,643 |
| Average equity | $1,915,500 | 6,782 |
| Average total loans | $14,703,750 | 6,493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 4,142 |
| Cost of funding earning assets | 0.6516% | 2,477 |
| Net interest margin | 3.3394% | 4,421 |
| Noninterest income to average assets | 0.0971% | 6,537 |
| Noninterest expense to average assets | 2.7628% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2837% | 5,647 |
| Return on assets (ROA) | 0.2837% | 5,790 |
| Pretax return on assets | 0.3957% | 5,646 |
| Return on Equity (ROE) | 3.9243% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.9243% | 3,794 |
| Net charge-offs to loans | 0.8218% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.8833% | 4,235 |
| Efficiency ratio | 87.4704% | 1,284 |
| Assets per employee ($millions) | 3.4259% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 2,490 |
| Loan loss allowance to noncurrent loans | 671.0526% | 670 |
| Noncurrent assets plus other real estate owned to assets | 2.1491% | 2,006 |
| Noncurrent loans to loans | 0.2658% | 5,648 |
| Net loans and leases to total assets | 51.2424% | 4,963 |
| Net loans and leases to deposits | 54.9581% | 5,438 |
| Net loans and leases to core deposits | 55.6110% | 5,630 |
| Total domestic deposits to total assets | 93.2390% | 110 |
| Equity capital to assets | 6.5969% | 6,666 |
| Core capital (leverage) ratio | 7.3754% | 6,504 |
| Tier 1 risk-based capital ratio | 13.2015% | 4,993 |
| Total risk-based capital ratio | 14.4588% | 4,927 |
| Memoranda: | ||
| Average total assets | $26,784,670 | 6,713 |
| Average earning assets | $24,555,670 | 6,688 |
| Average equity | $1,936,670 | 6,826 |
| Average total loans | $14,602,000 | 6,538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 4,170 |
| Cost of funding earning assets | 0.6593% | 2,567 |
| Net interest margin | 3.3294% | 4,403 |
| Noninterest income to average assets | 0.0453% | 6,748 |
| Noninterest expense to average assets | 2.8406% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1813% | 5,946 |
| Return on assets (ROA) | 0.1813% | 6,058 |
| Pretax return on assets | 0.2569% | 5,943 |
| Return on Equity (ROE) | 2.3988% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.3988% | 4,828 |
| Net charge-offs to loans | 1.6267% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2833% | 3,719 |
| Efficiency ratio | 91.7073% | 1,008 |
| Assets per employee ($millions) | 3.4673% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 2,645 |
| Loan loss allowance to noncurrent loans | 708.3333% | 634 |
| Noncurrent assets plus other real estate owned to assets | 2.1883% | 2,134 |
| Noncurrent loans to loans | 0.2528% | 5,783 |
| Net loans and leases to total assets | 50.4110% | 4,930 |
| Net loans and leases to deposits | 54.4297% | 5,402 |
| Net loans and leases to core deposits | 55.0729% | 5,596 |
| Total domestic deposits to total assets | 92.6166% | 160 |
| Equity capital to assets | 7.2031% | 6,674 |
| Core capital (leverage) ratio | 7.4775% | 6,482 |
| Tier 1 risk-based capital ratio | 12.9347% | 5,275 |
| Total risk-based capital ratio | 14.1891% | 5,219 |
| Memoranda: | ||
| Average total assets | $26,473,500 | 6,789 |
| Average earning assets | $24,268,500 | 6,761 |
| Average equity | $2,001,000 | 6,878 |
| Average total loans | $14,753,500 | 6,595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 2,817 |
| Cost of funding earning assets | 0.8431% | 2,344 |
| Net interest margin | 3.8030% | 3,213 |
| Noninterest income to average assets | 0.1035% | 6,490 |
| Noninterest expense to average assets | 3.5259% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0080% | 6,180 |
| Return on assets (ROA) | 0.0119% | 6,286 |
| Pretax return on assets | 0.0080% | 6,271 |
| Return on Equity (ROE) | 0.1600% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.1600% | 5,759 |
| Net charge-offs to loans | 0.2146% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0938% | 5,531 |
| Efficiency ratio | 100.3398% | 554 |
| Assets per employee ($millions) | 2.8010% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0630% | 1,853 |
| Loan loss allowance to noncurrent loans | 48.9130% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 4.8752% | 810 |
| Noncurrent loans to loans | 4.2177% | 1,070 |
| Net loans and leases to total assets | 59.3201% | 3,718 |
| Net loans and leases to deposits | 64.5794% | 4,467 |
| Net loans and leases to core deposits | 65.4270% | 4,799 |
| Total domestic deposits to total assets | 91.8561% | 272 |
| Equity capital to assets | 7.9495% | 6,431 |
| Core capital (leverage) ratio | 7.9338% | 6,257 |
| Tier 1 risk-based capital ratio | 12.8240% | 5,236 |
| Total risk-based capital ratio | 14.0811% | 5,167 |
| Memoranda: | ||
| Average total assets | $25,128,400 | 6,869 |
| Average earning assets | $22,534,800 | 6,853 |
| Average equity | $1,875,400 | 6,972 |
| Average total loans | $14,908,400 | 6,663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 3,343 |
| Cost of funding earning assets | 0.8770% | 2,337 |
| Net interest margin | 3.6915% | 3,835 |
| Noninterest income to average assets | 0.0584% | 6,774 |
| Noninterest expense to average assets | 3.3773% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0266% | 6,317 |
| Return on assets (ROA) | -0.0266% | 6,437 |
| Pretax return on assets | -0.0106% | 6,404 |
| Return on Equity (ROE) | -0.3619% | 6,448 |
| Retained earnings to average equity (ytd only) | -0.3619% | 6,155 |
| Net charge-offs to loans | 0.4319% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.0417% | 5,347 |
| Efficiency ratio | 100.3155% | 522 |
| Assets per employee ($millions) | 2.7812% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 2,049 |
| Loan loss allowance to noncurrent loans | 55.8879% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 4.5104% | 1,025 |
| Noncurrent loans to loans | 3.6576% | 1,470 |
| Net loans and leases to total assets | 57.2410% | 4,251 |
| Net loans and leases to deposits | 62.0072% | 4,969 |
| Net loans and leases to core deposits | 62.8228% | 5,277 |
| Total domestic deposits to total assets | 92.3135% | 172 |
| Equity capital to assets | 7.4468% | 6,781 |
| Core capital (leverage) ratio | 7.4717% | 6,636 |
| Tier 1 risk-based capital ratio | 12.1586% | 5,851 |
| Total risk-based capital ratio | 13.4139% | 5,817 |
| Memoranda: | ||
| Average total assets | $25,108,250 | 6,951 |
| Average earning assets | $22,501,500 | 6,942 |
| Average equity | $1,843,250 | 7,067 |
| Average total loans | $14,818,250 | 6,755 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 3,419 |
| Cost of funding earning assets | 0.9124% | 2,306 |
| Net interest margin | 3.6761% | 3,937 |
| Noninterest income to average assets | 0.2785% | 5,584 |
| Noninterest expense to average assets | 3.4217% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1989% | 5,920 |
| Return on assets (ROA) | 0.1989% | 6,103 |
| Pretax return on assets | 0.1591% | 6,211 |
| Return on Equity (ROE) | 2.7228% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.7228% | 4,809 |
| Net charge-offs to loans | 0.2957% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.9091% | 4,583 |
| Efficiency ratio | 95.5556% | 722 |
| Assets per employee ($millions) | 2.7111% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 1,778 |
| Loan loss allowance to noncurrent loans | 94.7522% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 4.3484% | 1,146 |
| Noncurrent loans to loans | 2.3176% | 2,580 |
| Net loans and leases to total assets | 59.3238% | 3,940 |
| Net loans and leases to deposits | 64.4192% | 4,706 |
| Net loans and leases to core deposits | 65.2909% | 5,081 |
| Total domestic deposits to total assets | 92.0902% | 211 |
| Equity capital to assets | 7.6475% | 6,736 |
| Core capital (leverage) ratio | 7.2853% | 6,725 |
| Tier 1 risk-based capital ratio | 12.0102% | 5,929 |
| Total risk-based capital ratio | 13.2014% | 5,932 |
| Memoranda: | ||
| Average total assets | $25,134,000 | 7,008 |
| Average earning assets | $22,578,330 | 6,996 |
| Average equity | $1,836,330 | 7,118 |
| Average total loans | $14,882,000 | 6,804 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 3,778 |
| Cost of funding earning assets | 0.9630% | 2,211 |
| Net interest margin | 3.5719% | 4,385 |
| Noninterest income to average assets | 0.1412% | 6,533 |
| Noninterest expense to average assets | 3.1999% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2353% | 5,866 |
| Return on assets (ROA) | 0.2353% | 6,018 |
| Pretax return on assets | 0.1412% | 6,317 |
| Return on Equity (ROE) | 3.2940% | 5,594 |
| Retained earnings to average equity (ytd only) | 3.2940% | 4,591 |
| Net charge-offs to loans | 0.5897% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4091% | 4,151 |
| Efficiency ratio | 95.7746% | 729 |
| Assets per employee ($millions) | 2.8556% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2624% | 1,755 |
| Loan loss allowance to noncurrent loans | 88.7978% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 3.8949% | 1,431 |
| Noncurrent loans to loans | 2.5479% | 2,555 |
| Net loans and leases to total assets | 54.6304% | 4,615 |
| Net loans and leases to deposits | 59.0288% | 5,276 |
| Net loans and leases to core deposits | 59.7828% | 5,550 |
| Total domestic deposits to total assets | 92.5486% | 180 |
| Equity capital to assets | 7.1518% | 6,892 |
| Core capital (leverage) ratio | 7.1641% | 6,776 |
| Tier 1 risk-based capital ratio | 12.8465% | 5,330 |
| Total risk-based capital ratio | 14.0927% | 5,308 |
| Memoranda: | ||
| Average total assets | $25,501,000 | 7,065 |
| Average earning assets | $22,845,000 | 7,053 |
| Average equity | $1,821,500 | 7,177 |
| Average total loans | $14,923,000 | 6,861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 2,789 |
| Cost of funding earning assets | 1.2489% | 1,745 |
| Net interest margin | 3.7730% | 3,963 |
| Noninterest income to average assets | 0.3751% | 4,826 |
| Noninterest expense to average assets | 3.6441% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0973% | 5,870 |
| Return on assets (ROA) | 0.4145% | 4,983 |
| Pretax return on assets | 0.5054% | 4,974 |
| Return on Equity (ROE) | 5.9102% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.9102% | 2,070 |
| Net charge-offs to loans | 0.3234% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.5882% | 5,384 |
| Efficiency ratio | 96.8520% | 777 |
| Assets per employee ($millions) | 2.8113% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2415% | 1,723 |
| Loan loss allowance to noncurrent loans | 542.1875% | 649 |
| Noncurrent assets plus other real estate owned to assets | 2.7705% | 2,191 |
| Noncurrent loans to loans | 0.4134% | 5,893 |
| Net loans and leases to total assets | 59.8135% | 4,023 |
| Net loans and leases to deposits | 64.6227% | 4,921 |
| Net loans and leases to core deposits | 65.4613% | 5,327 |
| Total domestic deposits to total assets | 92.5579% | 174 |
| Equity capital to assets | 7.1338% | 6,927 |
| Core capital (leverage) ratio | 7.1801% | 6,798 |
| Tier 1 risk-based capital ratio | 12.1740% | 5,706 |
| Total risk-based capital ratio | 13.4410% | 5,667 |
| Memoranda: | ||
| Average total assets | $25,328,800 | 7,094 |
| Average earning assets | $22,740,800 | 7,085 |
| Average equity | $1,776,600 | 7,241 |
| Average total loans | $15,770,000 | 6,865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 2,549 |
| Cost of funding earning assets | 1.3057% | 1,667 |
| Net interest margin | 3.8059% | 3,845 |
| Noninterest income to average assets | 0.3420% | 5,123 |
| Noninterest expense to average assets | 3.4259% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4999% | 4,554 |
| Return on assets (ROA) | 1.0157% | 2,421 |
| Pretax return on assets | 0.8526% | 3,939 |
| Return on Equity (ROE) | 14.5425% | 938 |
| Retained earnings to average equity (ytd only) | 14.5425% | 265 |
| Net charge-offs to loans | 0.3535% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.5238% | 4,497 |
| Efficiency ratio | 91.0490% | 1,106 |
| Assets per employee ($millions) | 2.7392% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 1,667 |
| Loan loss allowance to noncurrent loans | 108.8685% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 3.9387% | 1,560 |
| Noncurrent loans to loans | 2.1249% | 3,211 |
| Net loans and leases to total assets | 60.9784% | 3,947 |
| Net loans and leases to deposits | 66.3533% | 4,851 |
| Net loans and leases to core deposits | 68.4688% | 5,121 |
| Total domestic deposits to total assets | 91.8996% | 220 |
| Equity capital to assets | 7.5366% | 6,922 |
| Core capital (leverage) ratio | 7.4246% | 6,803 |
| Tier 1 risk-based capital ratio | 12.4147% | 5,565 |
| Total risk-based capital ratio | 13.6455% | 5,571 |
| Memoranda: | ||
| Average total assets | $25,335,500 | 7,166 |
| Average earning assets | $22,771,250 | 7,156 |
| Average equity | $1,769,500 | 7,317 |
| Average total loans | $15,842,250 | 6,925 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 2,683 |
| Cost of funding earning assets | 1.3641% | 1,577 |
| Net interest margin | 3.7361% | 4,094 |
| Noninterest income to average assets | 0.3677% | 4,935 |
| Noninterest expense to average assets | 3.4972% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7667% | 3,215 |
| Return on assets (ROA) | 1.0171% | 2,251 |
| Pretax return on assets | 0.4851% | 5,115 |
| Return on Equity (ROE) | 14.9425% | 815 |
| Retained earnings to average equity (ytd only) | 14.9425% | 256 |
| Net charge-offs to loans | 0.5252% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,756 |
| Efficiency ratio | 93.7107% | 999 |
| Assets per employee ($millions) | 3.0458% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2929% | 1,754 |
| Loan loss allowance to noncurrent loans | 81.8391% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 4.0097% | 1,594 |
| Noncurrent loans to loans | 2.8018% | 2,599 |
| Net loans and leases to total assets | 62.2589% | 3,837 |
| Net loans and leases to deposits | 67.5453% | 4,777 |
| Net loans and leases to core deposits | 69.7183% | 5,105 |
| Total domestic deposits to total assets | 92.1735% | 207 |
| Equity capital to assets | 7.4038% | 6,994 |
| Core capital (leverage) ratio | 7.2363% | 6,901 |
| Tier 1 risk-based capital ratio | 11.8514% | 5,897 |
| Total risk-based capital ratio | 13.1139% | 5,863 |
| Memoranda: | ||
| Average total assets | $25,563,000 | 7,226 |
| Average earning assets | $23,018,670 | 7,215 |
| Average equity | $1,740,000 | 7,394 |
| Average total loans | $15,993,330 | 6,981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 3,124 |
| Cost of funding earning assets | 1.3810% | 1,706 |
| Net interest margin | 3.6144% | 4,506 |
| Noninterest income to average assets | 0.3364% | 5,216 |
| Noninterest expense to average assets | 3.4707% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9174% | 2,484 |
| Return on assets (ROA) | 1.2385% | 1,482 |
| Pretax return on assets | 0.4281% | 5,252 |
| Return on Equity (ROE) | 18.9696% | 400 |
| Retained earnings to average equity (ytd only) | 18.9696% | 198 |
| Net charge-offs to loans | 1.0353% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,480 |
| Efficiency ratio | 97.0085% | 875 |
| Assets per employee ($millions) | 3.2381% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2642% | 1,833 |
| Loan loss allowance to noncurrent loans | 326.6055% | 941 |
| Noncurrent assets plus other real estate owned to assets | 2.5246% | 2,707 |
| Noncurrent loans to loans | 0.6933% | 5,637 |
| Net loans and leases to total assets | 59.3206% | 4,401 |
| Net loans and leases to deposits | 64.3321% | 5,212 |
| Net loans and leases to core deposits | 66.2742% | 5,481 |
| Total domestic deposits to total assets | 92.2100% | 239 |
| Equity capital to assets | 6.4505% | 7,219 |
| Core capital (leverage) ratio | 6.7082% | 7,113 |
| Tier 1 risk-based capital ratio | 11.3846% | 6,187 |
| Total risk-based capital ratio | 12.6444% | 6,172 |
| Memoranda: | ||
| Average total assets | $26,161,500 | 7,258 |
| Average earning assets | $23,461,500 | 7,249 |
| Average equity | $1,708,000 | 7,446 |
| Average total loans | $16,227,000 | 7,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6929% | 1,594 |
| Cost of funding earning assets | 1.7774% | 1,267 |
| Net interest margin | 3.9156% | 3,419 |
| Noninterest income to average assets | 0.4442% | 4,566 |
| Noninterest expense to average assets | 3.4422% | 2,326 |
| Loan and lease loss provision to assets | 1.3325% | 1,147 |
| Net operating income to assets | -0.7946% | 6,574 |
| Return on assets (ROA) | -0.7734% | 6,588 |
| Pretax return on assets | -0.9802% | 6,631 |
| Return on Equity (ROE) | -10.5274% | 6,748 |
| Retained earnings to average equity (ytd only) | -12.3515% | 6,773 |
| Net charge-offs to loans | 1.2862% | 1,739 |
| Credit loss provision to net charge-offs | 157.4661% | 2,238 |
| Earnings coverage of net charge-offs (x) | 0.3846% | 5,724 |
| Efficiency ratio | 91.3618% | 1,224 |
| Assets per employee ($millions) | 3.3023% | 5,425 |
| Cash dividends to net income (ytd only)* | -17.3267% | 7,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3848% | 1,562 |
| Loan loss allowance to noncurrent loans | 319.2000% | 968 |
| Noncurrent assets plus other real estate owned to assets | 2.2863% | 2,983 |
| Noncurrent loans to loans | 0.7471% | 5,550 |
| Net loans and leases to total assets | 61.8215% | 4,321 |
| Net loans and leases to deposits | 66.5336% | 5,332 |
| Net loans and leases to core deposits | 70.7105% | 5,370 |
| Total domestic deposits to total assets | 92.9177% | 146 |
| Equity capital to assets | 6.6053% | 7,233 |
| Core capital (leverage) ratio | 6.3903% | 7,217 |
| Tier 1 risk-based capital ratio | 10.5182% | 6,690 |
| Total risk-based capital ratio | 11.7784% | 6,658 |
| Memoranda: | ||
| Average total assets | $26,117,000 | 7,317 |
| Average earning assets | $22,167,800 | 7,343 |
| Average equity | $1,918,800 | 7,513 |
| Average total loans | $17,183,000 | 7,072 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 1,363 |
| Cost of funding earning assets | 1.8553% | 1,189 |
| Net interest margin | 3.9555% | 3,307 |
| Noninterest income to average assets | 0.4301% | 4,717 |
| Noninterest expense to average assets | 3.1999% | 2,929 |
| Loan and lease loss provision to assets | 0.5990% | 2,550 |
| Net operating income to assets | -0.0229% | 6,040 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | -0.0256% | 6,131 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | -2.3784% | 6,264 |
| Net charge-offs to loans | 1.1023% | 1,842 |
| Credit loss provision to net charge-offs | 81.8182% | 5,080 |
| Earnings coverage of net charge-offs (x) | 0.7343% | 5,324 |
| Efficiency ratio | 85.6164% | 1,674 |
| Assets per employee ($millions) | 3.2228% | 5,625 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 4,204 |
| Loan loss allowance to noncurrent loans | 110.8108% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 2.5522% | 2,815 |
| Noncurrent loans to loans | 1.3080% | 4,678 |
| Net loans and leases to total assets | 64.8786% | 3,934 |
| Net loans and leases to deposits | 70.6466% | 5,060 |
| Net loans and leases to core deposits | 75.2553% | 5,148 |
| Total domestic deposits to total assets | 91.8354% | 220 |
| Equity capital to assets | 7.6526% | 7,029 |
| Core capital (leverage) ratio | 7.2858% | 7,016 |
| Tier 1 risk-based capital ratio | 11.0138% | 6,372 |
| Total risk-based capital ratio | 12.2638% | 6,349 |
| Memoranda: | ||
| Average total assets | $26,041,750 | 7,410 |
| Average earning assets | $21,775,250 | 7,453 |
| Average equity | $1,962,250 | 7,603 |
| Average total loans | $17,296,000 | 7,157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 1,457 |
| Cost of funding earning assets | 1.8857% | 1,284 |
| Net interest margin | 3.9002% | 3,447 |
| Noninterest income to average assets | 0.3751% | 5,127 |
| Noninterest expense to average assets | 3.1460% | 3,116 |
| Loan and lease loss provision to assets | 0.2296% | 4,616 |
| Net operating income to assets | 0.1950% | 5,579 |
| Return on assets (ROA) | 0.2373% | 5,567 |
| Pretax return on assets | 0.2985% | 5,502 |
| Return on Equity (ROE) | 3.1654% | 5,146 |
| Retained earnings to average equity (ytd only) | -0.4084% | 5,823 |
| Net charge-offs to loans | 0.2758% | 3,959 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 2.5833% | 3,704 |
| Efficiency ratio | 86.8922% | 1,610 |
| Assets per employee ($millions) | 3.2680% | 5,513 |
| Cash dividends to net income (ytd only)* | 112.9032% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,462 |
| Loan loss allowance to noncurrent loans | 65.5660% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 3.2895% | 2,138 |
| Noncurrent loans to loans | 2.4341% | 3,215 |
| Net loans and leases to total assets | 65.5638% | 3,925 |
| Net loans and leases to deposits | 71.3168% | 5,103 |
| Net loans and leases to core deposits | 75.8955% | 5,205 |
| Total domestic deposits to total assets | 91.9331% | 231 |
| Equity capital to assets | 7.6079% | 7,047 |
| Core capital (leverage) ratio | 7.4672% | 6,853 |
| Tier 1 risk-based capital ratio | 11.2715% | 5,973 |
| Total risk-based capital ratio | 12.5239% | 5,956 |
| Memoranda: | ||
| Average total assets | $26,128,330 | 7,465 |
| Average earning assets | $21,742,330 | 7,513 |
| Average equity | $1,958,670 | 7,666 |
| Average total loans | $17,403,670 | 7,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 1,564 |
| Cost of funding earning assets | 1.9101% | 1,406 |
| Net interest margin | 3.8574% | 3,527 |
| Noninterest income to average assets | 0.2910% | 5,819 |
| Noninterest expense to average assets | 3.2465% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2450% | 5,519 |
| Return on assets (ROA) | 0.2450% | 5,640 |
| Pretax return on assets | 0.2297% | 5,799 |
| Return on Equity (ROE) | 3.2930% | 5,209 |
| Retained earnings to average equity (ytd only) | -3.9105% | 6,487 |
| Net charge-offs to loans | 0.5289% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.6522% | 4,443 |
| Efficiency ratio | 93.3921% | 1,174 |
| Assets per employee ($millions) | 3.2118% | 5,740 |
| Cash dividends to net income (ytd only)* | 218.7500% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,137 |
| Loan loss allowance to noncurrent loans | 41.6388% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 4.0399% | 1,695 |
| Noncurrent loans to loans | 3.5030% | 2,275 |
| Net loans and leases to total assets | 65.4705% | 3,998 |
| Net loans and leases to deposits | 71.1711% | 5,169 |
| Net loans and leases to core deposits | 75.8226% | 5,282 |
| Total domestic deposits to total assets | 91.9903% | 241 |
| Equity capital to assets | 7.5426% | 7,040 |
| Core capital (leverage) ratio | 7.4157% | 6,922 |
| Tier 1 risk-based capital ratio | 11.4476% | 5,719 |
| Total risk-based capital ratio | 12.6766% | 5,715 |
| Memoranda: | ||
| Average total assets | $26,120,500 | 7,563 |
| Average earning assets | $21,569,000 | 7,612 |
| Average equity | $1,943,500 | 7,757 |
| Average total loans | $17,396,000 | 7,291 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4056% | 817 |
| Cost of funding earning assets | 2.1796% | 2,117 |
| Net interest margin | 4.2260% | 1,988 |
| Noninterest income to average assets | 0.4558% | 4,755 |
| Noninterest expense to average assets | 3.2028% | 3,370 |
| Loan and lease loss provision to assets | 0.0814% | 6,796 |
| Net operating income to assets | 0.5400% | 3,572 |
| Return on assets (ROA) | 0.5372% | 3,673 |
| Pretax return on assets | 0.7814% | 3,301 |
| Return on Equity (ROE) | 6.9886% | 2,793 |
| Retained earnings to average equity (ytd only) | 5.4003% | 1,622 |
| Net charge-offs to loans | 0.2288% | 5,183 |
| Credit loss provision to net charge-offs | 51.2821% | 6,729 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 2,592 |
| Efficiency ratio | 78.7000% | 3,093 |
| Assets per employee ($millions) | 3.3184% | 5,459 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,552 |
| Loan loss allowance to noncurrent loans | 44.8105% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 3.9515% | 1,675 |
| Noncurrent loans to loans | 3.4253% | 2,223 |
| Net loans and leases to total assets | 65.7287% | 4,227 |
| Net loans and leases to deposits | 71.4157% | 5,417 |
| Net loans and leases to core deposits | 90.0175% | 5,126 |
| Total domestic deposits to total assets | 92.0368% | 262 |
| Equity capital to assets | 7.3417% | 7,166 |
| Core capital (leverage) ratio | 7.5149% | 6,771 |
| Tier 1 risk-based capital ratio | 11.0953% | 5,838 |
| Total risk-based capital ratio | 12.3503% | 5,779 |
| Memoranda: | ||
| Average total assets | $24,572,600 | 7,651 |
| Average earning assets | $21,013,000 | 7,677 |
| Average equity | $1,888,800 | 7,862 |
| Average total loans | $17,046,000 | 7,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3803% | 961 |
| Cost of funding earning assets | 2.2421% | 2,219 |
| Net interest margin | 4.1382% | 2,256 |
| Noninterest income to average assets | 0.4485% | 4,904 |
| Noninterest expense to average assets | 3.2171% | 3,243 |
| Loan and lease loss provision to assets | 0.1108% | 6,263 |
| Net operating income to assets | 0.4800% | 4,072 |
| Return on assets (ROA) | 0.4762% | 4,188 |
| Pretax return on assets | 0.6921% | 3,889 |
| Return on Equity (ROE) | 6.1193% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.9845% | 3,052 |
| Net charge-offs to loans | 0.2765% | 4,316 |
| Credit loss provision to net charge-offs | 57.1429% | 6,213 |
| Earnings coverage of net charge-offs (x) | 4.1710% | 3,233 |
| Efficiency ratio | 79.9175% | 2,860 |
| Assets per employee ($millions) | 3.1023% | 5,904 |
| Cash dividends to net income (ytd only)* | 34.8857% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,175 |
| Loan loss allowance to noncurrent loans | 38.6014% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 4.6740% | 1,284 |
| Noncurrent loans to loans | 4.0270% | 1,826 |
| Net loans and leases to total assets | 70.4287% | 3,408 |
| Net loans and leases to deposits | 76.8984% | 4,909 |
| Net loans and leases to core deposits | 96.5957% | 4,743 |
| Total domestic deposits to total assets | 91.5868% | 245 |
| Equity capital to assets | 7.7565% | 7,085 |
| Core capital (leverage) ratio | 7.7114% | 6,717 |
| Tier 1 risk-based capital ratio | 11.3434% | 5,598 |
| Total risk-based capital ratio | 12.5978% | 5,527 |
| Memoranda: | ||
| Average total assets | $24,079,000 | 7,738 |
| Average earning assets | $20,813,500 | 7,760 |
| Average equity | $1,873,750 | 7,944 |
| Average total loans | $16,877,250 | 7,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3306% | 1,137 |
| Cost of funding earning assets | 2.3012% | 2,354 |
| Net interest margin | 4.0295% | 2,584 |
| Noninterest income to average assets | 0.4364% | 4,971 |
| Noninterest expense to average assets | 3.2812% | 3,043 |
| Loan and lease loss provision to assets | 0.0839% | 6,339 |
| Net operating income to assets | 0.4345% | 4,360 |
| Return on assets (ROA) | 0.4280% | 4,500 |
| Pretax return on assets | 0.5455% | 4,480 |
| Return on Equity (ROE) | 5.4937% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.2621% | 4,077 |
| Net charge-offs to loans | 0.2532% | 3,934 |
| Credit loss provision to net charge-offs | 47.6190% | 5,796 |
| Earnings coverage of net charge-offs (x) | 3.6190% | 3,370 |
| Efficiency ratio | 83.7259% | 2,510 |
| Assets per employee ($millions) | 3.0939% | 5,885 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 2,672 |
| Loan loss allowance to noncurrent loans | 38.6740% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 4.7230% | 1,175 |
| Noncurrent loans to loans | 4.1813% | 1,591 |
| Net loans and leases to total assets | 68.8255% | 3,987 |
| Net loans and leases to deposits | 74.9055% | 5,334 |
| Net loans and leases to core deposits | 92.7075% | 5,272 |
| Total domestic deposits to total assets | 91.8832% | 232 |
| Equity capital to assets | 7.4785% | 7,288 |
| Core capital (leverage) ratio | 7.7959% | 6,620 |
| Tier 1 risk-based capital ratio | 11.2642% | 5,623 |
| Total risk-based capital ratio | 12.5212% | 5,528 |
| Memoranda: | ||
| Average total assets | $23,832,670 | 7,824 |
| Average earning assets | $20,598,330 | 7,843 |
| Average equity | $1,856,670 | 8,029 |
| Average total loans | $16,584,670 | 7,507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4191% | 1,027 |
| Cost of funding earning assets | 2.3235% | 2,601 |
| Net interest margin | 4.0956% | 2,293 |
| Noninterest income to average assets | 0.4278% | 4,976 |
| Noninterest expense to average assets | 3.1146% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7530% | 3,336 |
| Return on assets (ROA) | 0.7530% | 3,513 |
| Pretax return on assets | 0.8728% | 3,819 |
| Return on Equity (ROE) | 9.4649% | 2,546 |
| Retained earnings to average equity (ytd only) | 3.0116% | 4,202 |
| Net charge-offs to loans | 0.0493% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,204 |
| Efficiency ratio | 78.1116% | 3,146 |
| Assets per employee ($millions) | 2.9718% | 6,232 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 1,941 |
| Loan loss allowance to noncurrent loans | 48.8136% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 4.3661% | 1,119 |
| Noncurrent loans to loans | 3.6156% | 1,740 |
| Net loans and leases to total assets | 67.4266% | 4,265 |
| Net loans and leases to deposits | 73.5659% | 5,534 |
| Net loans and leases to core deposits | 89.5481% | 5,600 |
| Total domestic deposits to total assets | 91.6547% | 238 |
| Equity capital to assets | 7.7143% | 7,165 |
| Core capital (leverage) ratio | 7.9369% | 6,564 |
| Tier 1 risk-based capital ratio | 10.9177% | 5,975 |
| Total risk-based capital ratio | 12.1700% | 5,885 |
| Memoranda: | ||
| Average total assets | $23,373,500 | 7,891 |
| Average earning assets | $20,314,500 | 7,894 |
| Average equity | $1,859,500 | 8,079 |
| Average total loans | $16,219,500 | 7,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7118% | 1,988 |
| Cost of funding earning assets | 2.8154% | 2,646 |
| Net interest margin | 3.8964% | 3,579 |
| Noninterest income to average assets | 0.4228% | 5,277 |
| Noninterest expense to average assets | 3.1093% | 3,659 |
| Loan and lease loss provision to assets | 0.1762% | 5,141 |
| Net operating income to assets | 0.3744% | 5,255 |
| Return on assets (ROA) | 0.3744% | 5,065 |
| Pretax return on assets | 0.5505% | 4,850 |
| Return on Equity (ROE) | 4.6760% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.0256% | 3,288 |
| Net charge-offs to loans | 0.0882% | 5,483 |
| Credit loss provision to net charge-offs | 285.7143% | 1,588 |
| Earnings coverage of net charge-offs (x) | 11.7857% | 2,331 |
| Efficiency ratio | 81.0563% | 2,437 |
| Assets per employee ($millions) | 2.8716% | 6,388 |
| Cash dividends to net income (ytd only)* | 35.2941% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 1,636 |
| Loan loss allowance to noncurrent loans | 69.0476% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 3.7522% | 1,149 |
| Noncurrent loans to loans | 2.6053% | 2,080 |
| Net loans and leases to total assets | 68.9113% | 4,275 |
| Net loans and leases to deposits | 75.8044% | 5,608 |
| Net loans and leases to core deposits | 84.7121% | 6,230 |
| Total domestic deposits to total assets | 90.9067% | 355 |
| Equity capital to assets | 8.2053% | 6,542 |
| Core capital (leverage) ratio | 8.3009% | 5,947 |
| Tier 1 risk-based capital ratio | 11.3022% | 5,441 |
| Total risk-based capital ratio | 12.5648% | 5,320 |
| Memoranda: | ||
| Average total assets | $22,706,000 | 7,922 |
| Average earning assets | $19,890,400 | 7,946 |
| Average equity | $1,817,800 | 8,152 |
| Average total loans | $15,871,400 | 7,600 |