Home > Junction National Bank > Performance and Condition Ratios
Junction National 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 | 3.5980% | 4,350 |
| Cost of funding earning assets | 0.1630% | 4,459 |
| Net interest margin | 3.4350% | 2,334 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.0494% | 3,518 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7845% | 627 |
| Return on assets (ROA) | 1.7833% | 605 |
| Pretax return on assets | 1.7833% | 911 |
| Return on Equity (ROE) | 63.9900% | 32 |
| Retained earnings to average equity (ytd only) | 42.9218% | 24 |
| Net charge-offs to loans | 0.0599% | 1,255 |
| Credit loss provision to net charge-offs | 250.0000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 132.1667% | 775 |
| Efficiency ratio | 52.9795% | 3,753 |
| Assets per employee ($millions) | 7.2694% | 1,886 |
| Cash dividends to net income (ytd only)* | 32.9260% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,189 |
| Loan loss allowance to noncurrent loans | 2,754.5455% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,682 |
| Noncurrent loans to loans | 0.0528% | 3,344 |
| Net loans and leases to total assets | 23.5300% | 4,378 |
| Net loans and leases to deposits | 24.6497% | 4,401 |
| Net loans and leases to core deposits | 28.0919% | 4,413 |
| Total domestic deposits to total assets | 95.4700% | 47 |
| Equity capital to assets | 4.3172% | 4,483 |
| Core capital (leverage) ratio | 10.1169% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0983% | 204 |
| Memoranda: | ||
| Average total assets | $87,197,000 | 3,947 |
| Average earning assets | $84,657,400 | 3,885 |
| Average equity | $2,430,000 | 4,462 |
| Average total loans | $20,024,600 | 4,291 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 4,369 |
| Cost of funding earning assets | 0.1073% | 4,504 |
| Net interest margin | 3.4179% | 2,414 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.0125% | 3,565 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7938% | 679 |
| Return on assets (ROA) | 1.7923% | 670 |
| Pretax return on assets | 1.7923% | 1,018 |
| Return on Equity (ROE) | 74.5500% | 31 |
| Retained earnings to average equity (ytd only) | 53.1793% | 28 |
| Net charge-offs to loans | 0.0673% | 998 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 120.3000% | 841 |
| Efficiency ratio | 52.2430% | 3,740 |
| Assets per employee ($millions) | 7.0108% | 1,953 |
| Cash dividends to net income (ytd only)* | 28.6689% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,153 |
| Loan loss allowance to noncurrent loans | 2,541.6667% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,698 |
| Noncurrent loans to loans | 0.0584% | 3,334 |
| Net loans and leases to total assets | 24.0800% | 4,397 |
| Net loans and leases to deposits | 24.6655% | 4,426 |
| Net loans and leases to core deposits | 28.0528% | 4,404 |
| Total domestic deposits to total assets | 97.6300% | 42 |
| Equity capital to assets | 2.1110% | 4,541 |
| Core capital (leverage) ratio | 9.9778% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2712% | 216 |
| Memoranda: | ||
| Average total assets | $87,188,000 | 3,958 |
| Average earning assets | $84,534,000 | 3,900 |
| Average equity | $2,096,000 | 4,506 |
| Average total loans | $19,822,750 | 4,311 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 4,368 |
| Cost of funding earning assets | 0.0703% | 4,537 |
| Net interest margin | 3.4017% | 2,503 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.9635% | 3,678 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.7686% | 693 |
| Return on assets (ROA) | 1.7686% | 695 |
| Pretax return on assets | 1.7686% | 1,076 |
| Return on Equity (ROE) | 70.8200% | 33 |
| Retained earnings to average equity (ytd only) | 51.8462% | 30 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.2316% | 3,757 |
| Assets per employee ($millions) | 6.9982% | 1,929 |
| Cash dividends to net income (ytd only)* | 26.7949% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 1,166 |
| Loan loss allowance to noncurrent loans | 2,121.4286% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,670 |
| Noncurrent loans to loans | 0.0709% | 3,193 |
| Net loans and leases to total assets | 23.1500% | 4,429 |
| Net loans and leases to deposits | 23.8396% | 4,454 |
| Net loans and leases to core deposits | 27.1991% | 4,432 |
| Total domestic deposits to total assets | 97.1000% | 42 |
| Equity capital to assets | 2.7198% | 4,581 |
| Core capital (leverage) ratio | 9.5770% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2611% | 234 |
| Memoranda: | ||
| Average total assets | $88,207,667 | 3,958 |
| Average earning assets | $85,310,000 | 3,910 |
| Average equity | $2,202,667 | 4,528 |
| Average total loans | $19,575,333 | 4,333 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3458% | 4,413 |
| Cost of funding earning assets | 0.0505% | 4,576 |
| Net interest margin | 3.2953% | 2,890 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.9353% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7139% | 801 |
| Return on assets (ROA) | 1.7139% | 795 |
| Pretax return on assets | 1.7139% | 1,251 |
| Return on Equity (ROE) | 71.6000% | 37 |
| Retained earnings to average equity (ytd only) | 71.6004% | 21 |
| Net charge-offs to loans | -0.0205% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.0340% | 3,704 |
| Assets per employee ($millions) | 7.4719% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,363 |
| Loan loss allowance to noncurrent loans | 1,906.6667% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,658 |
| Noncurrent loans to loans | 0.0772% | 3,186 |
| Net loans and leases to total assets | 21.3500% | 4,502 |
| Net loans and leases to deposits | 21.9777% | 4,524 |
| Net loans and leases to core deposits | 24.4605% | 4,502 |
| Total domestic deposits to total assets | 97.1400% | 28 |
| Equity capital to assets | 2.7715% | 4,608 |
| Core capital (leverage) ratio | 9.1700% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9814% | 246 |
| Memoranda: | ||
| Average total assets | $90,322,500 | 3,990 |
| Average earning assets | $87,154,500 | 3,941 |
| Average equity | $2,162,000 | 4,600 |
| Average total loans | $19,494,500 | 4,396 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6245% | 4,447 |
| Cost of funding earning assets | 0.0294% | 4,612 |
| Net interest margin | 2.5951% | 4,183 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.7465% | 4,094 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1756% | 1,874 |
| Return on assets (ROA) | 1.1439% | 1,941 |
| Pretax return on assets | 1.1439% | 2,626 |
| Return on Equity (ROE) | 30.5400% | 115 |
| Retained earnings to average equity (ytd only) | 21.1538% | 69 |
| Net charge-offs to loans | 0.0695% | 949 |
| Credit loss provision to net charge-offs | 166.6667% | 1,226 |
| Earnings coverage of net charge-offs (x) | 91.4167% | 1,015 |
| Efficiency ratio | 59.3252% | 3,149 |
| Assets per employee ($millions) | 7.5818% | 1,563 |
| Cash dividends to net income (ytd only)* | 30.7252% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,321 |
| Loan loss allowance to noncurrent loans | 1,781.2500% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,676 |
| Noncurrent loans to loans | 0.0818% | 3,170 |
| Net loans and leases to total assets | 21.1900% | 4,538 |
| Net loans and leases to deposits | 21.6537% | 4,560 |
| Net loans and leases to core deposits | 24.0409% | 4,541 |
| Total domestic deposits to total assets | 97.8400% | 36 |
| Equity capital to assets | 2.0213% | 4,645 |
| Core capital (leverage) ratio | 8.6351% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1810% | 280 |
| Memoranda: | ||
| Average total assets | $91,614,000 | 3,996 |
| Average earning assets | $88,551,000 | 3,943 |
| Average equity | $3,432,000 | 4,578 |
| Average total loans | $17,262,000 | 4,450 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3901% | 4,499 |
| Cost of funding earning assets | 0.0270% | 4,645 |
| Net interest margin | 2.3631% | 4,362 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.6751% | 4,193 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0141% | 2,429 |
| Return on assets (ROA) | 0.9719% | 2,553 |
| Pretax return on assets | 0.9719% | 3,107 |
| Return on Equity (ROE) | 23.2900% | 245 |
| Retained earnings to average equity (ytd only) | 17.2308% | 197 |
| Net charge-offs to loans | 0.1039% | 597 |
| Credit loss provision to net charge-offs | 153.8462% | 1,116 |
| Earnings coverage of net charge-offs (x) | 55.2308% | 1,231 |
| Efficiency ratio | 61.6248% | 2,875 |
| Assets per employee ($millions) | 7.4538% | 1,645 |
| Cash dividends to net income (ytd only)* | 26.0090% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,201 |
| Loan loss allowance to noncurrent loans | 1,775.0000% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,772 |
| Noncurrent loans to loans | 0.0866% | 3,259 |
| Net loans and leases to total assets | 20.3500% | 4,587 |
| Net loans and leases to deposits | 20.6267% | 4,609 |
| Net loans and leases to core deposits | 22.9986% | 4,587 |
| Total domestic deposits to total assets | 98.6600% | 38 |
| Equity capital to assets | 1.1426% | 4,690 |
| Core capital (leverage) ratio | 8.4240% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1485% | 270 |
| Memoranda: | ||
| Average total assets | $91,772,000 | 4,023 |
| Average earning assets | $88,919,250 | 3,969 |
| Average equity | $3,830,250 | 4,587 |
| Average total loans | $16,687,500 | 4,494 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1709% | 4,575 |
| Cost of funding earning assets | 0.0267% | 4,699 |
| Net interest margin | 2.1441% | 4,490 |
| Noninterest income to average assets | 0.4214% | 2,621 |
| Noninterest expense to average assets | 1.6381% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8623% | 2,725 |
| Return on assets (ROA) | 0.8623% | 2,700 |
| Pretax return on assets | 0.8623% | 3,167 |
| Return on Equity (ROE) | 16.7424% | 599 |
| Retained earnings to average equity (ytd only) | 13.0499% | 461 |
| Net charge-offs to loans | 0.1865% | 348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,444 |
| Efficiency ratio | 65.5143% | 2,575 |
| Assets per employee ($millions) | 7.5167% | 1,600 |
| Cash dividends to net income (ytd only)* | 22.0551% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,509 |
| Loan loss allowance to noncurrent loans | 1,252.3810% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,766 |
| Noncurrent loans to loans | 0.1168% | 3,146 |
| Net loans and leases to total assets | 19.6330% | 4,658 |
| Net loans and leases to deposits | 20.0473% | 4,674 |
| Net loans and leases to core deposits | 22.3494% | 4,661 |
| Total domestic deposits to total assets | 97.9335% | 28 |
| Equity capital to assets | 1.9290% | 4,726 |
| Core capital (leverage) ratio | 8.2411% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4416% | 259 |
| Memoranda: | ||
| Average total assets | $92,547,667 | 4,056 |
| Average earning assets | $89,733,000 | 4,011 |
| Average equity | $4,766,333 | 4,544 |
| Average total loans | $16,088,000 | 4,563 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9348% | 4,631 |
| Cost of funding earning assets | 0.0263% | 4,720 |
| Net interest margin | 1.9085% | 4,571 |
| Noninterest income to average assets | 0.4311% | 2,493 |
| Noninterest expense to average assets | 1.6048% | 4,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6871% | 3,104 |
| Return on assets (ROA) | 0.6871% | 3,094 |
| Pretax return on assets | 0.6871% | 3,429 |
| Return on Equity (ROE) | 10.2556% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.2556% | 960 |
| Net charge-offs to loans | 0.3433% | 191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.3846% | 1,416 |
| Efficiency ratio | 70.0186% | 2,228 |
| Assets per employee ($millions) | 8.7344% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 980 |
| Loan loss allowance to noncurrent loans | 507.6923% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,505 |
| Noncurrent loans to loans | 0.3431% | 2,253 |
| Net loans and leases to total assets | 15.5020% | 4,707 |
| Net loans and leases to deposits | 16.3580% | 4,716 |
| Net loans and leases to core deposits | 18.1734% | 4,707 |
| Total domestic deposits to total assets | 94.7668% | 55 |
| Equity capital to assets | 5.1604% | 4,706 |
| Core capital (leverage) ratio | 8.1586% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7692% | 193 |
| Memoranda: | ||
| Average total assets | $93,721,500 | 4,064 |
| Average earning assets | $91,380,500 | 4,012 |
| Average equity | $6,279,500 | 4,437 |
| Average total loans | $15,146,000 | 4,593 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3273% | 4,574 |
| Cost of funding earning assets | 0.0721% | 4,576 |
| Net interest margin | 2.2552% | 4,452 |
| Noninterest income to average assets | 0.4586% | 2,771 |
| Noninterest expense to average assets | 1.7608% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8934% | 3,067 |
| Return on assets (ROA) | 0.9047% | 3,089 |
| Pretax return on assets | 0.9047% | 3,506 |
| Return on Equity (ROE) | 10.2352% | 2,439 |
| Retained earnings to average equity (ytd only) | 7.0711% | 1,895 |
| Net charge-offs to loans | -0.0684% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3396% | 2,217 |
| Assets per employee ($millions) | 7.6138% | 1,548 |
| Cash dividends to net income (ytd only)* | 30.9136% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 818 |
| Loan loss allowance to noncurrent loans | 814.7059% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,760 |
| Noncurrent loans to loans | 0.2247% | 2,836 |
| Net loans and leases to total assets | 16.2612% | 4,751 |
| Net loans and leases to deposits | 17.7613% | 4,760 |
| Net loans and leases to core deposits | 20.0361% | 4,741 |
| Total domestic deposits to total assets | 91.5537% | 299 |
| Equity capital to assets | 8.3194% | 4,167 |
| Core capital (leverage) ratio | 8.2582% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4975% | 209 |
| Memoranda: | ||
| Average total assets | $88,312,800 | 4,112 |
| Average earning assets | $85,979,000 | 4,060 |
| Average equity | $7,806,400 | 4,349 |
| Average total loans | $16,077,400 | 4,634 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4685% | 4,591 |
| Cost of funding earning assets | 0.0877% | 4,591 |
| Net interest margin | 2.3808% | 4,418 |
| Noninterest income to average assets | 0.4432% | 2,873 |
| Noninterest expense to average assets | 1.7331% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0264% | 2,813 |
| Return on assets (ROA) | 1.0417% | 2,829 |
| Pretax return on assets | 1.0417% | 3,343 |
| Return on Equity (ROE) | 11.6061% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.7385% | 1,790 |
| Net charge-offs to loans | -0.0899% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8035% | 2,567 |
| Assets per employee ($millions) | 7.4742% | 1,584 |
| Cash dividends to net income (ytd only)* | 24.7076% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 991 |
| Loan loss allowance to noncurrent loans | 769.4444% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 3,889 |
| Noncurrent loans to loans | 0.2296% | 3,021 |
| Net loans and leases to total assets | 17.1714% | 4,818 |
| Net loans and leases to deposits | 18.9218% | 4,823 |
| Net loans and leases to core deposits | 21.2745% | 4,814 |
| Total domestic deposits to total assets | 90.7492% | 451 |
| Equity capital to assets | 9.0434% | 3,788 |
| Core capital (leverage) ratio | 8.3694% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7622% | 218 |
| Memoranda: | ||
| Average total assets | $87,549,750 | 4,173 |
| Average earning assets | $85,178,250 | 4,119 |
| Average equity | $7,857,750 | 4,406 |
| Average total loans | $16,313,250 | 4,698 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1086% | 4,784 |
| Cost of funding earning assets | 0.0900% | 4,639 |
| Net interest margin | 2.0186% | 4,701 |
| Noninterest income to average assets | 0.4238% | 2,988 |
| Noninterest expense to average assets | 1.6790% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7071% | 3,743 |
| Return on assets (ROA) | 0.7301% | 3,753 |
| Pretax return on assets | 0.7301% | 4,006 |
| Return on Equity (ROE) | 8.1561% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.4580% | 2,636 |
| Net charge-offs to loans | -0.0968% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3668% | 1,592 |
| Assets per employee ($millions) | 7.9516% | 1,232 |
| Cash dividends to net income (ytd only)* | 20.8202% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,431 |
| Loan loss allowance to noncurrent loans | 342.5000% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 3,594 |
| Noncurrent loans to loans | 0.4522% | 2,321 |
| Net loans and leases to total assets | 19.9124% | 4,838 |
| Net loans and leases to deposits | 21.8710% | 4,846 |
| Net loans and leases to core deposits | 24.5878% | 4,833 |
| Total domestic deposits to total assets | 91.0447% | 360 |
| Equity capital to assets | 8.8284% | 3,947 |
| Core capital (leverage) ratio | 8.3317% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3138% | 265 |
| Memoranda: | ||
| Average total assets | $86,836,333 | 4,205 |
| Average earning assets | $84,414,333 | 4,149 |
| Average equity | $7,773,333 | 4,437 |
| Average total loans | $16,525,000 | 4,730 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0541% | 4,823 |
| Cost of funding earning assets | 0.0906% | 4,700 |
| Net interest margin | 1.9636% | 4,748 |
| Noninterest income to average assets | 0.4161% | 3,010 |
| Noninterest expense to average assets | 1.7337% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5871% | 3,973 |
| Return on assets (ROA) | 0.6334% | 3,924 |
| Pretax return on assets | 0.6334% | 4,139 |
| Return on Equity (ROE) | 7.0265% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.0265% | 2,570 |
| Net charge-offs to loans | -0.1004% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7012% | 1,249 |
| Assets per employee ($millions) | 8.2312% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 1,183 |
| Loan loss allowance to noncurrent loans | 551.0204% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,990 |
| Noncurrent loans to loans | 0.2985% | 3,027 |
| Net loans and leases to total assets | 17.8313% | 4,877 |
| Net loans and leases to deposits | 19.4844% | 4,885 |
| Net loans and leases to core deposits | 21.5092% | 4,874 |
| Total domestic deposits to total assets | 91.5156% | 238 |
| Equity capital to assets | 8.4115% | 4,192 |
| Core capital (leverage) ratio | 8.7031% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8498% | 261 |
| Memoranda: | ||
| Average total assets | $86,520,500 | 4,228 |
| Average earning assets | $83,928,000 | 4,167 |
| Average equity | $7,799,000 | 4,451 |
| Average total loans | $15,942,000 | 4,762 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5658% | 4,833 |
| Cost of funding earning assets | 0.1252% | 4,800 |
| Net interest margin | 2.4407% | 4,632 |
| Noninterest income to average assets | 0.6180% | 2,146 |
| Noninterest expense to average assets | 1.9180% | 4,292 |
| Loan and lease loss provision to assets | 0.0391% | 3,917 |
| Net operating income to assets | 1.0249% | 2,199 |
| Return on assets (ROA) | 1.0953% | 2,062 |
| Pretax return on assets | 1.0953% | 2,712 |
| Return on Equity (ROE) | 11.3833% | 1,502 |
| Retained earnings to average equity (ytd only) | 7.3043% | 1,280 |
| Net charge-offs to loans | -0.1924% | 4,892 |
| Credit loss provision to net charge-offs | -100.0000% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3201% | 2,767 |
| Assets per employee ($millions) | 6.8748% | 1,661 |
| Cash dividends to net income (ytd only)* | 35.8333% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 997 |
| Loan loss allowance to noncurrent loans | 511.5385% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 4,029 |
| Noncurrent loans to loans | 0.3362% | 3,000 |
| Net loans and leases to total assets | 18.4283% | 4,895 |
| Net loans and leases to deposits | 20.4322% | 4,903 |
| Net loans and leases to core deposits | 22.7114% | 4,892 |
| Total domestic deposits to total assets | 90.1925% | 486 |
| Equity capital to assets | 9.6754% | 3,436 |
| Core capital (leverage) ratio | 8.6119% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4093% | 241 |
| Memoranda: | ||
| Average total assets | $76,694,000 | 4,283 |
| Average earning assets | $74,283,400 | 4,229 |
| Average equity | $7,379,200 | 4,492 |
| Average total loans | $15,596,000 | 4,795 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6738% | 4,868 |
| Cost of funding earning assets | 0.1299% | 4,858 |
| Net interest margin | 2.5439% | 4,620 |
| Noninterest income to average assets | 0.6698% | 1,906 |
| Noninterest expense to average assets | 1.9368% | 4,276 |
| Loan and lease loss provision to assets | 0.0890% | 3,201 |
| Net operating income to assets | 1.1075% | 1,956 |
| Return on assets (ROA) | 1.1660% | 1,880 |
| Pretax return on assets | 1.1660% | 2,503 |
| Return on Equity (ROE) | 12.1368% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.2818% | 1,214 |
| Net charge-offs to loans | -0.2730% | 4,946 |
| Credit loss provision to net charge-offs | -156.2500% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8213% | 3,103 |
| Assets per employee ($millions) | 6.2634% | 2,032 |
| Cash dividends to net income (ytd only)* | 31.7629% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 904 |
| Loan loss allowance to noncurrent loans | 533.3333% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,108 |
| Noncurrent loans to loans | 0.3176% | 3,146 |
| Net loans and leases to total assets | 20.5271% | 4,922 |
| Net loans and leases to deposits | 22.7929% | 4,937 |
| Net loans and leases to core deposits | 25.3735% | 4,924 |
| Total domestic deposits to total assets | 90.0594% | 407 |
| Equity capital to assets | 9.7207% | 3,498 |
| Core capital (leverage) ratio | 8.6388% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6647% | 285 |
| Memoranda: | ||
| Average total assets | $75,243,000 | 4,312 |
| Average earning assets | $72,852,000 | 4,257 |
| Average equity | $7,228,500 | 4,523 |
| Average total loans | $15,627,750 | 4,825 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7771% | 4,916 |
| Cost of funding earning assets | 0.1387% | 4,908 |
| Net interest margin | 2.6384% | 4,617 |
| Noninterest income to average assets | 0.7734% | 1,507 |
| Noninterest expense to average assets | 1.9349% | 4,357 |
| Loan and lease loss provision to assets | 0.1366% | 2,651 |
| Net operating income to assets | 1.2489% | 1,496 |
| Return on assets (ROA) | 1.3391% | 1,349 |
| Pretax return on assets | 1.3391% | 1,912 |
| Return on Equity (ROE) | 14.0007% | 891 |
| Retained earnings to average equity (ytd only) | 10.0576% | 777 |
| Net charge-offs to loans | -0.0396% | 4,619 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2716% | 3,658 |
| Assets per employee ($millions) | 6.1173% | 2,074 |
| Cash dividends to net income (ytd only)* | 28.1633% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,017 |
| Loan loss allowance to noncurrent loans | 464.2857% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,176 |
| Noncurrent loans to loans | 0.3439% | 3,165 |
| Net loans and leases to total assets | 20.1484% | 4,956 |
| Net loans and leases to deposits | 22.3523% | 4,973 |
| Net loans and leases to core deposits | 24.8469% | 4,959 |
| Total domestic deposits to total assets | 90.1402% | 363 |
| Equity capital to assets | 9.6888% | 3,492 |
| Core capital (leverage) ratio | 8.9957% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4322% | 273 |
| Memoranda: | ||
| Average total assets | $73,182,667 | 4,350 |
| Average earning assets | $70,649,000 | 4,300 |
| Average equity | $6,999,667 | 4,566 |
| Average total loans | $15,169,667 | 4,862 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 4,951 |
| Cost of funding earning assets | 0.1475% | 4,973 |
| Net interest margin | 2.8606% | 4,487 |
| Noninterest income to average assets | 0.5656% | 2,206 |
| Noninterest expense to average assets | 1.9882% | 4,416 |
| Loan and lease loss provision to assets | 0.2857% | 1,091 |
| Net operating income to assets | 1.0627% | 1,957 |
| Return on assets (ROA) | 1.1255% | 1,864 |
| Pretax return on assets | 1.1255% | 2,437 |
| Return on Equity (ROE) | 11.8550% | 1,143 |
| Retained earnings to average equity (ytd only) | 11.8550% | 438 |
| Net charge-offs to loans | -0.0274% | 4,435 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5890% | 3,799 |
| Assets per employee ($millions) | 5.9870% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 792 |
| Loan loss allowance to noncurrent loans | 435.5932% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,194 |
| Noncurrent loans to loans | 0.4007% | 3,053 |
| Net loans and leases to total assets | 20.1353% | 5,009 |
| Net loans and leases to deposits | 22.2113% | 5,022 |
| Net loans and leases to core deposits | 24.8450% | 5,008 |
| Total domestic deposits to total assets | 90.6534% | 158 |
| Equity capital to assets | 9.2409% | 4,441 |
| Core capital (leverage) ratio | 9.6223% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5146% | 255 |
| Memoranda: | ||
| Average total assets | $70,011,500 | 4,418 |
| Average earning assets | $67,818,500 | 4,353 |
| Average equity | $6,647,000 | 4,640 |
| Average total loans | $14,613,000 | 4,912 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1912% | 4,998 |
| Cost of funding earning assets | 0.1245% | 5,075 |
| Net interest margin | 3.0667% | 4,422 |
| Noninterest income to average assets | 0.6263% | 2,107 |
| Noninterest expense to average assets | 2.1331% | 4,304 |
| Loan and lease loss provision to assets | 0.0149% | 3,718 |
| Net operating income to assets | 1.4459% | 1,201 |
| Return on assets (ROA) | 1.4280% | 1,311 |
| Pretax return on assets | 1.4280% | 2,056 |
| Return on Equity (ROE) | 15.1305% | 666 |
| Retained earnings to average equity (ytd only) | 3.3098% | 3,351 |
| Net charge-offs to loans | 0.0784% | 1,977 |
| Credit loss provision to net charge-offs | 90.9091% | 2,642 |
| Earnings coverage of net charge-offs (x) | 89.2727% | 738 |
| Efficiency ratio | 59.3543% | 3,784 |
| Assets per employee ($millions) | 6.1981% | 1,485 |
| Cash dividends to net income (ytd only)* | 78.1250% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,451 |
| Loan loss allowance to noncurrent loans | 332.2581% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,179 |
| Noncurrent loans to loans | 0.4275% | 2,915 |
| Net loans and leases to total assets | 20.9698% | 5,063 |
| Net loans and leases to deposits | 23.2759% | 5,082 |
| Net loans and leases to core deposits | 26.0880% | 5,065 |
| Total domestic deposits to total assets | 90.0923% | 296 |
| Equity capital to assets | 9.7611% | 4,140 |
| Core capital (leverage) ratio | 9.6216% | 3,934 |
| Tier 1 risk-based capital ratio | 30.0981% | 471 |
| Total risk-based capital ratio | 31.0511% | 474 |
| Memoranda: | ||
| Average total assets | $67,225,200 | 4,481 |
| Average earning assets | $65,054,200 | 4,419 |
| Average equity | $6,344,800 | 4,715 |
| Average total loans | $14,031,200 | 4,987 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2070% | 5,093 |
| Cost of funding earning assets | 0.1111% | 5,169 |
| Net interest margin | 3.0960% | 4,484 |
| Noninterest income to average assets | 0.6469% | 2,001 |
| Noninterest expense to average assets | 2.1218% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5207% | 1,135 |
| Return on assets (ROA) | 1.5326% | 1,159 |
| Pretax return on assets | 1.5326% | 1,861 |
| Return on Equity (ROE) | 16.3810% | 553 |
| Retained earnings to average equity (ytd only) | 10.4243% | 645 |
| Net charge-offs to loans | 0.0958% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 76.4171% | 885 |
| Efficiency ratio | 58.2514% | 3,900 |
| Assets per employee ($millions) | 5.7503% | 1,802 |
| Cash dividends to net income (ytd only)* | 36.3633% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,662 |
| Loan loss allowance to noncurrent loans | 303.0769% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,245 |
| Noncurrent loans to loans | 0.4543% | 2,944 |
| Net loans and leases to total assets | 20.4510% | 5,158 |
| Net loans and leases to deposits | 22.7922% | 5,165 |
| Net loans and leases to core deposits | 25.5153% | 5,154 |
| Total domestic deposits to total assets | 89.7281% | 363 |
| Equity capital to assets | 10.0313% | 3,988 |
| Core capital (leverage) ratio | 9.7265% | 3,936 |
| Tier 1 risk-based capital ratio | 31.2054% | 446 |
| Total risk-based capital ratio | 32.1115% | 449 |
| Memoranda: | ||
| Average total assets | $66,986,750 | 4,537 |
| Average earning assets | $64,814,250 | 4,478 |
| Average equity | $6,267,250 | 4,787 |
| Average total loans | $13,913,250 | 5,065 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1921% | 5,154 |
| Cost of funding earning assets | 0.1091% | 5,211 |
| Net interest margin | 3.0830% | 4,564 |
| Noninterest income to average assets | 0.6333% | 2,009 |
| Noninterest expense to average assets | 2.0810% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5351% | 1,047 |
| Return on assets (ROA) | 1.5110% | 1,166 |
| Pretax return on assets | 1.5110% | 1,822 |
| Return on Equity (ROE) | 16.5647% | 515 |
| Retained earnings to average equity (ytd only) | 11.1754% | 524 |
| Net charge-offs to loans | 0.1306% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 56.5556% | 1,017 |
| Efficiency ratio | 57.5480% | 4,065 |
| Assets per employee ($millions) | 5.7824% | 1,707 |
| Cash dividends to net income (ytd only)* | 32.5349% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,654 |
| Loan loss allowance to noncurrent loans | 297.0149% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 4,271 |
| Noncurrent loans to loans | 0.4681% | 2,876 |
| Net loans and leases to total assets | 20.3404% | 5,205 |
| Net loans and leases to deposits | 22.5543% | 5,210 |
| Net loans and leases to core deposits | 25.4765% | 5,202 |
| Total domestic deposits to total assets | 90.1843% | 290 |
| Equity capital to assets | 9.6615% | 4,262 |
| Core capital (leverage) ratio | 9.7697% | 3,861 |
| Tier 1 risk-based capital ratio | 31.2188% | 445 |
| Total risk-based capital ratio | 32.1553% | 449 |
| Memoranda: | ||
| Average total assets | $66,314,330 | 4,581 |
| Average earning assets | $64,159,000 | 4,522 |
| Average equity | $6,049,000 | 4,848 |
| Average total loans | $13,781,330 | 5,111 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2257% | 5,204 |
| Cost of funding earning assets | 0.0960% | 5,288 |
| Net interest margin | 3.1297% | 4,535 |
| Noninterest income to average assets | 0.6669% | 1,742 |
| Noninterest expense to average assets | 2.1057% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5808% | 933 |
| Return on assets (ROA) | 1.5808% | 961 |
| Pretax return on assets | 1.5808% | 1,520 |
| Return on Equity (ROE) | 17.8974% | 409 |
| Retained earnings to average equity (ytd only) | 17.8974% | 147 |
| Net charge-offs to loans | 0.1184% | 1,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 885 |
| Efficiency ratio | 57.1189% | 4,199 |
| Assets per employee ($millions) | 5.5357% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,273 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,285 |
| Noncurrent loans to loans | 0.5243% | 2,747 |
| Net loans and leases to total assets | 19.7914% | 5,266 |
| Net loans and leases to deposits | 21.7933% | 5,271 |
| Net loans and leases to core deposits | 24.8671% | 5,258 |
| Total domestic deposits to total assets | 90.8141% | 204 |
| Equity capital to assets | 9.0986% | 4,619 |
| Core capital (leverage) ratio | 9.9918% | 3,613 |
| Tier 1 risk-based capital ratio | 33.0225% | 385 |
| Total risk-based capital ratio | 34.0457% | 386 |
| Memoranda: | ||
| Average total assets | $64,777,000 | 4,662 |
| Average earning assets | $62,499,000 | 4,606 |
| Average equity | $5,721,500 | 4,929 |
| Average total loans | $13,515,500 | 5,177 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0729% | 5,199 |
| Cost of funding earning assets | 0.0797% | 5,327 |
| Net interest margin | 2.9932% | 4,804 |
| Noninterest income to average assets | 0.7852% | 1,498 |
| Noninterest expense to average assets | 2.3050% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3569% | 1,588 |
| Return on assets (ROA) | 1.3569% | 1,579 |
| Pretax return on assets | 1.3569% | 2,285 |
| Return on Equity (ROE) | 15.2141% | 776 |
| Retained earnings to average equity (ytd only) | 1.5159% | 4,527 |
| Net charge-offs to loans | 0.2094% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 28.7241% | 1,642 |
| Efficiency ratio | 62.9448% | 3,354 |
| Assets per employee ($millions) | 5.2605% | 2,195 |
| Cash dividends to net income (ytd only)* | 90.0360% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 1,248 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,288 |
| Noncurrent loans to loans | 0.5043% | 2,760 |
| Net loans and leases to total assets | 21.3446% | 5,298 |
| Net loans and leases to deposits | 23.3769% | 5,308 |
| Net loans and leases to core deposits | 25.9465% | 5,298 |
| Total domestic deposits to total assets | 91.3063% | 149 |
| Equity capital to assets | 8.5527% | 4,895 |
| Core capital (leverage) ratio | 10.4731% | 3,061 |
| Tier 1 risk-based capital ratio | 31.5257% | 410 |
| Total risk-based capital ratio | 32.5622% | 413 |
| Memoranda: | ||
| Average total assets | $61,387,800 | 4,737 |
| Average earning assets | $58,999,600 | 4,691 |
| Average equity | $5,475,200 | 4,977 |
| Average total loans | $13,851,800 | 5,215 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0667% | 5,262 |
| Cost of funding earning assets | 0.0796% | 5,392 |
| Net interest margin | 2.9871% | 4,870 |
| Noninterest income to average assets | 0.8225% | 1,404 |
| Noninterest expense to average assets | 2.3033% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3912% | 1,520 |
| Return on assets (ROA) | 1.3912% | 1,519 |
| Pretax return on assets | 1.3912% | 2,262 |
| Return on Equity (ROE) | 15.4340% | 796 |
| Retained earnings to average equity (ytd only) | 9.7797% | 986 |
| Net charge-offs to loans | 0.2879% | 580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 21.1995% | 1,932 |
| Efficiency ratio | 62.3446% | 3,451 |
| Assets per employee ($millions) | 4.9049% | 2,593 |
| Cash dividends to net income (ytd only)* | 36.6353% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,377 |
| Loan loss allowance to noncurrent loans | 286.1111% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,355 |
| Noncurrent loans to loans | 0.5212% | 2,822 |
| Net loans and leases to total assets | 23.1197% | 5,359 |
| Net loans and leases to deposits | 25.5300% | 5,374 |
| Net loans and leases to core deposits | 28.9126% | 5,357 |
| Total domestic deposits to total assets | 90.5588% | 323 |
| Equity capital to assets | 9.1796% | 4,387 |
| Core capital (leverage) ratio | 11.1154% | 2,480 |
| Tier 1 risk-based capital ratio | 32.2877% | 391 |
| Total risk-based capital ratio | 33.2927% | 393 |
| Memoranda: | ||
| Average total assets | $60,953,250 | 4,793 |
| Average earning assets | $58,606,250 | 4,745 |
| Average equity | $5,494,250 | 5,030 |
| Average total loans | $13,894,500 | 5,280 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0000% | 5,336 |
| Cost of funding earning assets | 0.0774% | 5,446 |
| Net interest margin | 2.9225% | 4,983 |
| Noninterest income to average assets | 0.9018% | 1,179 |
| Noninterest expense to average assets | 2.2806% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4371% | 1,321 |
| Return on assets (ROA) | 1.4371% | 1,320 |
| Pretax return on assets | 1.4371% | 2,031 |
| Return on Equity (ROE) | 16.0372% | 667 |
| Retained earnings to average equity (ytd only) | 10.2450% | 856 |
| Net charge-offs to loans | 0.0862% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 73.8333% | 873 |
| Efficiency ratio | 61.3438% | 3,719 |
| Assets per employee ($millions) | 5.5358% | 1,850 |
| Cash dividends to net income (ytd only)* | 36.1174% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 984 |
| Loan loss allowance to noncurrent loans | 306.6667% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 4,383 |
| Noncurrent loans to loans | 0.5399% | 2,797 |
| Net loans and leases to total assets | 22.4357% | 5,423 |
| Net loans and leases to deposits | 24.6718% | 5,441 |
| Net loans and leases to core deposits | 28.2646% | 5,420 |
| Total domestic deposits to total assets | 90.9367% | 259 |
| Equity capital to assets | 8.8892% | 4,653 |
| Core capital (leverage) ratio | 10.5095% | 3,022 |
| Tier 1 risk-based capital ratio | 31.6120% | 424 |
| Total risk-based capital ratio | 32.7314% | 422 |
| Memoranda: | ||
| Average total assets | $61,651,330 | 4,838 |
| Average earning assets | $59,400,670 | 4,781 |
| Average equity | $5,524,670 | 5,076 |
| Average total loans | $13,921,330 | 5,342 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8925% | 5,417 |
| Cost of funding earning assets | 0.0738% | 5,512 |
| Net interest margin | 2.8187% | 5,140 |
| Noninterest income to average assets | 0.7222% | 1,734 |
| Noninterest expense to average assets | 2.1538% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2768% | 1,725 |
| Return on assets (ROA) | 1.2768% | 1,728 |
| Pretax return on assets | 1.2768% | 2,445 |
| Return on Equity (ROE) | 14.1923% | 969 |
| Retained earnings to average equity (ytd only) | 14.1923% | 395 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7820% | 3,666 |
| Assets per employee ($millions) | 5.8465% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 1,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 21.5092% | 5,495 |
| Net loans and leases to deposits | 23.5267% | 5,504 |
| Net loans and leases to core deposits | 26.7227% | 5,489 |
| Total domestic deposits to total assets | 91.4246% | 201 |
| Equity capital to assets | 8.4961% | 4,975 |
| Core capital (leverage) ratio | 10.6545% | 2,789 |
| Tier 1 risk-based capital ratio | 30.5271% | 454 |
| Total risk-based capital ratio | 31.6509% | 453 |
| Memoranda: | ||
| Average total assets | $62,030,000 | 4,891 |
| Average earning assets | $59,602,000 | 4,836 |
| Average equity | $5,580,500 | 5,125 |
| Average total loans | $13,936,000 | 5,402 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8625% | 5,435 |
| Cost of funding earning assets | 0.0568% | 5,603 |
| Net interest margin | 2.8057% | 5,161 |
| Noninterest income to average assets | 0.7718% | 1,686 |
| Noninterest expense to average assets | 2.3004% | 4,325 |
| Loan and lease loss provision to assets | 0.0301% | 3,675 |
| Net operating income to assets | 1.1686% | 1,622 |
| Return on assets (ROA) | 1.1720% | 1,634 |
| Pretax return on assets | 1.1720% | 2,886 |
| Return on Equity (ROE) | 11.8311% | 1,260 |
| Retained earnings to average equity (ytd only) | 1.4197% | 4,438 |
| Net charge-offs to loans | 0.1468% | 1,616 |
| Credit loss provision to net charge-offs | 85.7143% | 2,855 |
| Earnings coverage of net charge-offs (x) | 34.0952% | 1,409 |
| Efficiency ratio | 65.7416% | 3,314 |
| Assets per employee ($millions) | 4.9790% | 2,504 |
| Cash dividends to net income (ytd only)* | 88.0000% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 928 |
| Loan loss allowance to noncurrent loans | 1,475.0000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 5,015 |
| Noncurrent loans to loans | 0.1159% | 4,463 |
| Net loans and leases to total assets | 22.7070% | 5,548 |
| Net loans and leases to deposits | 25.1348% | 5,562 |
| Net loans and leases to core deposits | 28.1467% | 5,548 |
| Total domestic deposits to total assets | 90.3411% | 452 |
| Equity capital to assets | 9.5350% | 4,205 |
| Core capital (leverage) ratio | 10.2851% | 3,084 |
| Tier 1 risk-based capital ratio | 31.8452% | 393 |
| Total risk-based capital ratio | 33.0548% | 392 |
| Memoranda: | ||
| Average total assets | $59,729,400 | 4,969 |
| Average earning assets | $58,060,200 | 4,910 |
| Average equity | $5,916,600 | 5,111 |
| Average total loans | $14,308,600 | 5,456 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8595% | 5,499 |
| Cost of funding earning assets | 0.0504% | 5,680 |
| Net interest margin | 2.8091% | 5,201 |
| Noninterest income to average assets | 0.7880% | 1,629 |
| Noninterest expense to average assets | 2.2123% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3127% | 1,289 |
| Return on assets (ROA) | 1.3171% | 1,315 |
| Pretax return on assets | 1.3171% | 2,408 |
| Return on Equity (ROE) | 13.1734% | 1,016 |
| Retained earnings to average equity (ytd only) | 8.5292% | 1,001 |
| Net charge-offs to loans | -0.0185% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7612% | 3,767 |
| Assets per employee ($millions) | 4.9931% | 2,452 |
| Cash dividends to net income (ytd only)* | 35.2546% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,050 |
| Loan loss allowance to noncurrent loans | 1,606.6667% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 5,121 |
| Noncurrent loans to loans | 0.1053% | 4,641 |
| Net loans and leases to total assets | 23.3723% | 5,611 |
| Net loans and leases to deposits | 26.1806% | 5,625 |
| Net loans and leases to core deposits | 29.5014% | 5,610 |
| Total domestic deposits to total assets | 89.2735% | 753 |
| Equity capital to assets | 10.4862% | 3,393 |
| Core capital (leverage) ratio | 11.0268% | 2,427 |
| Tier 1 risk-based capital ratio | 32.9154% | 387 |
| Total risk-based capital ratio | 34.1338% | 379 |
| Memoranda: | ||
| Average total assets | $59,724,750 | 5,027 |
| Average earning assets | $58,190,750 | 4,956 |
| Average equity | $5,971,500 | 5,164 |
| Average total loans | $14,435,000 | 5,514 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8287% | 5,545 |
| Cost of funding earning assets | 0.0516% | 5,717 |
| Net interest margin | 2.7771% | 5,281 |
| Noninterest income to average assets | 0.8146% | 1,520 |
| Noninterest expense to average assets | 2.2628% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2571% | 1,412 |
| Return on assets (ROA) | 1.2571% | 1,438 |
| Pretax return on assets | 1.2571% | 2,543 |
| Return on Equity (ROE) | 12.7819% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.4531% | 1,009 |
| Net charge-offs to loans | -0.0828% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 3,629 |
| Assets per employee ($millions) | 5.3278% | 2,026 |
| Cash dividends to net income (ytd only)* | 33.8667% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 1,146 |
| Loan loss allowance to noncurrent loans | 12,250.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,296 |
| Noncurrent loans to loans | 0.0135% | 5,119 |
| Net loans and leases to total assets | 24.8268% | 5,633 |
| Net loans and leases to deposits | 27.7894% | 5,656 |
| Net loans and leases to core deposits | 28.4987% | 5,660 |
| Total domestic deposits to total assets | 89.3390% | 790 |
| Equity capital to assets | 10.4904% | 3,360 |
| Core capital (leverage) ratio | 10.6837% | 2,718 |
| Tier 1 risk-based capital ratio | 30.8709% | 434 |
| Total risk-based capital ratio | 32.0569% | 440 |
| Memoranda: | ||
| Average total assets | $59,660,670 | 5,062 |
| Average earning assets | $58,117,670 | 4,998 |
| Average equity | $5,867,670 | 5,208 |
| Average total loans | $14,498,330 | 5,558 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7532% | 5,621 |
| Cost of funding earning assets | 0.0478% | 5,789 |
| Net interest margin | 2.7054% | 5,388 |
| Noninterest income to average assets | 0.8374% | 1,439 |
| Noninterest expense to average assets | 2.2862% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1830% | 1,542 |
| Return on assets (ROA) | 1.1830% | 1,587 |
| Pretax return on assets | 1.1830% | 2,668 |
| Return on Equity (ROE) | 12.4313% | 1,128 |
| Retained earnings to average equity (ytd only) | 12.4313% | 428 |
| Net charge-offs to loans | -0.0557% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9004% | 3,516 |
| Assets per employee ($millions) | 5.0556% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 1,191 |
| Loan loss allowance to noncurrent loans | 12,050.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 5,363 |
| Noncurrent loans to loans | 0.0139% | 5,183 |
| Net loans and leases to total assets | 23.2680% | 5,708 |
| Net loans and leases to deposits | 25.7855% | 5,723 |
| Net loans and leases to core deposits | 26.4137% | 5,728 |
| Total domestic deposits to total assets | 90.2369% | 565 |
| Equity capital to assets | 9.6741% | 4,097 |
| Core capital (leverage) ratio | 10.6430% | 2,750 |
| Tier 1 risk-based capital ratio | 30.7602% | 455 |
| Total risk-based capital ratio | 31.9354% | 455 |
| Memoranda: | ||
| Average total assets | $60,188,000 | 5,111 |
| Average earning assets | $58,550,000 | 5,036 |
| Average equity | $5,727,500 | 5,278 |
| Average total loans | $14,350,000 | 5,626 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7914% | 5,648 |
| Cost of funding earning assets | 0.0520% | 5,833 |
| Net interest margin | 2.7394% | 5,371 |
| Noninterest income to average assets | 0.7694% | 1,883 |
| Noninterest expense to average assets | 2.3652% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0527% | 2,127 |
| Return on assets (ROA) | 1.1063% | 1,966 |
| Pretax return on assets | 1.1063% | 3,078 |
| Return on Equity (ROE) | 10.6603% | 1,704 |
| Retained earnings to average equity (ytd only) | 1.0660% | 4,886 |
| Net charge-offs to loans | -0.0357% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2006% | 3,041 |
| Assets per employee ($millions) | 5.4281% | 1,926 |
| Cash dividends to net income (ytd only)* | 90.0000% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,217 |
| Loan loss allowance to noncurrent loans | 7,966.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,416 |
| Noncurrent loans to loans | 0.0209% | 5,188 |
| Net loans and leases to total assets | 23.6212% | 5,762 |
| Net loans and leases to deposits | 26.0939% | 5,785 |
| Net loans and leases to core deposits | 26.6113% | 5,788 |
| Total domestic deposits to total assets | 90.5240% | 444 |
| Equity capital to assets | 9.3554% | 4,417 |
| Core capital (leverage) ratio | 10.1184% | 3,344 |
| Tier 1 risk-based capital ratio | 29.4154% | 498 |
| Total risk-based capital ratio | 30.5625% | 495 |
| Memoranda: | ||
| Average total assets | $59,657,600 | 5,151 |
| Average earning assets | $57,677,600 | 5,083 |
| Average equity | $6,191,200 | 5,248 |
| Average total loans | $14,024,400 | 5,687 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7972% | 5,715 |
| Cost of funding earning assets | 0.0509% | 5,900 |
| Net interest margin | 2.7462% | 5,436 |
| Noninterest income to average assets | 0.7578% | 1,941 |
| Noninterest expense to average assets | 2.3651% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0439% | 2,229 |
| Return on assets (ROA) | 1.1155% | 2,040 |
| Pretax return on assets | 1.1155% | 3,162 |
| Return on Equity (ROE) | 10.4899% | 1,877 |
| Retained earnings to average equity (ytd only) | 6.7059% | 1,782 |
| Net charge-offs to loans | -0.0382% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3770% | 2,987 |
| Assets per employee ($millions) | 5.0458% | 2,316 |
| Cash dividends to net income (ytd only)* | 36.0714% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 1,251 |
| Loan loss allowance to noncurrent loans | 7,933.3333% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,522 |
| Noncurrent loans to loans | 0.0213% | 5,305 |
| Net loans and leases to total assets | 22.9186% | 5,837 |
| Net loans and leases to deposits | 25.7449% | 5,849 |
| Net loans and leases to core deposits | 26.4072% | 5,856 |
| Total domestic deposits to total assets | 89.0221% | 896 |
| Equity capital to assets | 10.7516% | 3,309 |
| Core capital (leverage) ratio | 10.8093% | 2,677 |
| Tier 1 risk-based capital ratio | 31.2124% | 439 |
| Total risk-based capital ratio | 32.3764% | 438 |
| Memoranda: | ||
| Average total assets | $59,644,750 | 5,193 |
| Average earning assets | $57,580,750 | 5,130 |
| Average equity | $6,342,500 | 5,276 |
| Average total loans | $13,944,750 | 5,750 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8402% | 5,778 |
| Cost of funding earning assets | 0.0558% | 5,974 |
| Net interest margin | 2.7844% | 5,449 |
| Noninterest income to average assets | 0.7516% | 1,926 |
| Noninterest expense to average assets | 2.3929% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0481% | 2,191 |
| Return on assets (ROA) | 1.1358% | 1,939 |
| Pretax return on assets | 1.1358% | 3,056 |
| Return on Equity (ROE) | 10.7211% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.1262% | 1,542 |
| Net charge-offs to loans | -0.0576% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5397% | 3,052 |
| Assets per employee ($millions) | 4.5068% | 3,015 |
| Cash dividends to net income (ytd only)* | 33.5312% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 1,159 |
| Loan loss allowance to noncurrent loans | 793.3333% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 5,355 |
| Noncurrent loans to loans | 0.2216% | 4,548 |
| Net loans and leases to total assets | 22.6975% | 5,906 |
| Net loans and leases to deposits | 25.5593% | 5,927 |
| Net loans and leases to core deposits | 26.2407% | 5,935 |
| Total domestic deposits to total assets | 88.8032% | 1,009 |
| Equity capital to assets | 11.0347% | 3,024 |
| Core capital (leverage) ratio | 10.7022% | 2,737 |
| Tier 1 risk-based capital ratio | 31.0684% | 453 |
| Total risk-based capital ratio | 32.2445% | 448 |
| Memoranda: | ||
| Average total assets | $59,343,330 | 5,253 |
| Average earning assets | $57,319,330 | 5,191 |
| Average equity | $6,286,670 | 5,331 |
| Average total loans | $13,888,000 | 5,820 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8517% | 5,822 |
| Cost of funding earning assets | 0.0555% | 6,040 |
| Net interest margin | 2.7962% | 5,468 |
| Noninterest income to average assets | 0.7769% | 1,707 |
| Noninterest expense to average assets | 2.5519% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9243% | 2,626 |
| Return on assets (ROA) | 1.0917% | 2,038 |
| Pretax return on assets | 1.0917% | 3,125 |
| Return on Equity (ROE) | 10.5204% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.5204% | 737 |
| Net charge-offs to loans | -0.0853% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4104% | 2,572 |
| Assets per employee ($millions) | 4.5733% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 1,358 |
| Loan loss allowance to noncurrent loans | 3,385.7143% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,616 |
| Noncurrent loans to loans | 0.0504% | 5,287 |
| Net loans and leases to total assets | 22.9795% | 5,958 |
| Net loans and leases to deposits | 25.7322% | 5,974 |
| Net loans and leases to core deposits | 26.4675% | 5,979 |
| Total domestic deposits to total assets | 89.3025% | 947 |
| Equity capital to assets | 10.6117% | 3,356 |
| Core capital (leverage) ratio | 10.5110% | 2,950 |
| Tier 1 risk-based capital ratio | 30.3042% | 496 |
| Total risk-based capital ratio | 31.4578% | 488 |
| Memoranda: | ||
| Average total assets | $59,721,000 | 5,293 |
| Average earning assets | $57,650,500 | 5,226 |
| Average equity | $6,197,500 | 5,387 |
| Average total loans | $14,064,000 | 5,870 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8918% | 5,817 |
| Cost of funding earning assets | 0.0554% | 6,097 |
| Net interest margin | 2.8364% | 5,450 |
| Noninterest income to average assets | 0.9204% | 1,378 |
| Noninterest expense to average assets | 2.4021% | 4,510 |
| Loan and lease loss provision to assets | 0.0829% | 2,637 |
| Net operating income to assets | 1.1760% | 1,647 |
| Return on assets (ROA) | 1.2364% | 1,485 |
| Pretax return on assets | 1.2364% | 2,516 |
| Return on Equity (ROE) | 11.3647% | 1,478 |
| Retained earnings to average equity (ytd only) | 1.1587% | 5,045 |
| Net charge-offs to loans | 0.4335% | 641 |
| Credit loss provision to net charge-offs | 76.1905% | 3,019 |
| Earnings coverage of net charge-offs (x) | 11.5714% | 2,556 |
| Efficiency ratio | 65.6132% | 3,966 |
| Assets per employee ($millions) | 4.6145% | 2,861 |
| Cash dividends to net income (ytd only)* | 89.8045% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 1,487 |
| Loan loss allowance to noncurrent loans | 2,925.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 5,648 |
| Noncurrent loans to loans | 0.0562% | 5,295 |
| Net loans and leases to total assets | 23.3293% | 6,016 |
| Net loans and leases to deposits | 26.0014% | 6,037 |
| Net loans and leases to core deposits | 26.8639% | 6,033 |
| Total domestic deposits to total assets | 89.7231% | 743 |
| Equity capital to assets | 10.1452% | 3,812 |
| Core capital (leverage) ratio | 10.5394% | 2,889 |
| Tier 1 risk-based capital ratio | 28.9307% | 557 |
| Total risk-based capital ratio | 30.0472% | 550 |
| Memoranda: | ||
| Average total assets | $57,908,800 | 5,367 |
| Average earning assets | $55,952,000 | 5,295 |
| Average equity | $6,300,200 | 5,376 |
| Average total loans | $14,534,000 | 5,905 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9066% | 5,888 |
| Cost of funding earning assets | 0.0553% | 6,184 |
| Net interest margin | 2.8513% | 5,491 |
| Noninterest income to average assets | 0.8062% | 1,783 |
| Noninterest expense to average assets | 2.4255% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1384% | 1,871 |
| Return on assets (ROA) | 1.1640% | 1,848 |
| Pretax return on assets | 1.1640% | 2,950 |
| Return on Equity (ROE) | 10.5132% | 1,897 |
| Retained earnings to average equity (ytd only) | 6.7990% | 1,790 |
| Net charge-offs to loans | 0.1825% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.4964% | 1,690 |
| Efficiency ratio | 68.0574% | 3,527 |
| Assets per employee ($millions) | 4.0761% | 3,744 |
| Cash dividends to net income (ytd only)* | 35.3289% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,935 |
| Loan loss allowance to noncurrent loans | 572.5000% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 4,954 |
| Noncurrent loans to loans | 0.2725% | 4,600 |
| Net loans and leases to total assets | 25.3198% | 6,069 |
| Net loans and leases to deposits | 28.6380% | 6,096 |
| Net loans and leases to core deposits | 29.6524% | 6,095 |
| Total domestic deposits to total assets | 88.4134% | 1,330 |
| Equity capital to assets | 11.3710% | 2,619 |
| Core capital (leverage) ratio | 10.9523% | 2,540 |
| Tier 1 risk-based capital ratio | 29.9398% | 529 |
| Total risk-based capital ratio | 31.0257% | 530 |
| Memoranda: | ||
| Average total assets | $57,388,750 | 5,444 |
| Average earning assets | $55,504,750 | 5,372 |
| Average equity | $6,353,750 | 5,430 |
| Average total loans | $14,610,250 | 5,978 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9171% | 5,929 |
| Cost of funding earning assets | 0.0540% | 6,264 |
| Net interest margin | 2.8632% | 5,508 |
| Noninterest income to average assets | 0.8487% | 1,607 |
| Noninterest expense to average assets | 2.4384% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1792% | 1,670 |
| Return on assets (ROA) | 1.1896% | 1,701 |
| Pretax return on assets | 1.1896% | 2,818 |
| Return on Equity (ROE) | 10.8422% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.3233% | 1,561 |
| Net charge-offs to loans | 0.1234% | 1,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,176 |
| Efficiency ratio | 67.4038% | 3,766 |
| Assets per employee ($millions) | 4.4438% | 3,075 |
| Cash dividends to net income (ytd only)* | 32.4561% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 1,718 |
| Loan loss allowance to noncurrent loans | 1,142.8571% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 5,216 |
| Noncurrent loans to loans | 0.1451% | 5,166 |
| Net loans and leases to total assets | 24.6322% | 6,150 |
| Net loans and leases to deposits | 27.6805% | 6,172 |
| Net loans and leases to core deposits | 28.7888% | 6,174 |
| Total domestic deposits to total assets | 88.9874% | 1,151 |
| Equity capital to assets | 10.8655% | 3,031 |
| Core capital (leverage) ratio | 10.4186% | 3,065 |
| Tier 1 risk-based capital ratio | 30.4603% | 517 |
| Total risk-based capital ratio | 31.6357% | 513 |
| Memoranda: | ||
| Average total assets | $57,496,330 | 5,501 |
| Average earning assets | $55,602,670 | 5,423 |
| Average equity | $6,308,670 | 5,487 |
| Average total loans | $14,587,670 | 6,040 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9561% | 5,939 |
| Cost of funding earning assets | 0.0505% | 6,345 |
| Net interest margin | 2.9057% | 5,441 |
| Noninterest income to average assets | 0.8368% | 1,584 |
| Noninterest expense to average assets | 2.5244% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1227% | 1,782 |
| Return on assets (ROA) | 1.1367% | 1,843 |
| Pretax return on assets | 1.1367% | 2,921 |
| Return on Equity (ROE) | 10.3091% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.3091% | 849 |
| Net charge-offs to loans | 0.3823% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,858 |
| Efficiency ratio | 69.2161% | 3,621 |
| Assets per employee ($millions) | 4.2286% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,038 |
| Loan loss allowance to noncurrent loans | 979.1667% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 5,292 |
| Noncurrent loans to loans | 0.1638% | 5,184 |
| Net loans and leases to total assets | 24.3543% | 6,207 |
| Net loans and leases to deposits | 27.3363% | 6,229 |
| Net loans and leases to core deposits | 28.4222% | 6,228 |
| Total domestic deposits to total assets | 89.0914% | 1,206 |
| Equity capital to assets | 10.8343% | 3,160 |
| Core capital (leverage) ratio | 10.8044% | 2,620 |
| Tier 1 risk-based capital ratio | 30.6711% | 508 |
| Total risk-based capital ratio | 31.8427% | 508 |
| Memoranda: | ||
| Average total assets | $57,359,500 | 5,561 |
| Average earning assets | $55,478,000 | 5,475 |
| Average equity | $6,324,500 | 5,528 |
| Average total loans | $14,646,500 | 6,094 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 5,752 |
| Cost of funding earning assets | 0.0677% | 6,402 |
| Net interest margin | 3.1966% | 4,931 |
| Noninterest income to average assets | 0.7990% | 1,881 |
| Noninterest expense to average assets | 2.6925% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1762% | 1,654 |
| Return on assets (ROA) | 1.2004% | 1,643 |
| Pretax return on assets | 1.2004% | 2,652 |
| Return on Equity (ROE) | 10.5349% | 1,889 |
| Retained earnings to average equity (ytd only) | 1.0600% | 5,294 |
| Net charge-offs to loans | 0.2011% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 20.4194% | 1,726 |
| Efficiency ratio | 69.5965% | 3,605 |
| Assets per employee ($millions) | 3.9656% | 4,032 |
| Cash dividends to net income (ytd only)* | 89.9381% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 1,773 |
| Loan loss allowance to noncurrent loans | 858.6207% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 5,289 |
| Noncurrent loans to loans | 0.1981% | 5,113 |
| Net loans and leases to total assets | 25.9213% | 6,278 |
| Net loans and leases to deposits | 29.4904% | 6,300 |
| Net loans and leases to core deposits | 30.7599% | 6,298 |
| Total domestic deposits to total assets | 87.8976% | 1,826 |
| Equity capital to assets | 11.2306% | 2,664 |
| Core capital (leverage) ratio | 10.6151% | 2,820 |
| Tier 1 risk-based capital ratio | 23.8674% | 969 |
| Total risk-based capital ratio | 24.8595% | 976 |
| Memoranda: | ||
| Average total assets | $53,815,600 | 5,699 |
| Average earning assets | $51,679,200 | 5,627 |
| Average equity | $6,132,000 | 5,588 |
| Average total loans | $15,414,800 | 6,152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,726 |
| Cost of funding earning assets | 0.0703% | 6,479 |
| Net interest margin | 3.2508% | 4,788 |
| Noninterest income to average assets | 0.7742% | 1,996 |
| Noninterest expense to average assets | 2.7420% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1488% | 1,871 |
| Return on assets (ROA) | 1.1812% | 1,817 |
| Pretax return on assets | 1.1812% | 2,850 |
| Return on Equity (ROE) | 10.3279% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.6160% | 2,033 |
| Net charge-offs to loans | 0.3075% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.7775% | 2,286 |
| Efficiency ratio | 70.4750% | 3,424 |
| Assets per employee ($millions) | 3.4095% | 5,032 |
| Cash dividends to net income (ytd only)* | 35.9407% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 2,234 |
| Loan loss allowance to noncurrent loans | 762.5000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 5,437 |
| Noncurrent loans to loans | 0.2123% | 5,269 |
| Net loans and leases to total assets | 27.1796% | 6,335 |
| Net loans and leases to deposits | 30.8388% | 6,362 |
| Net loans and leases to core deposits | 32.4031% | 6,354 |
| Total domestic deposits to total assets | 88.1343% | 1,699 |
| Equity capital to assets | 11.6073% | 2,388 |
| Core capital (leverage) ratio | 11.5203% | 2,047 |
| Tier 1 risk-based capital ratio | 24.5100% | 933 |
| Total risk-based capital ratio | 25.4703% | 941 |
| Memoranda: | ||
| Average total assets | $53,390,000 | 5,776 |
| Average earning assets | $51,186,000 | 5,702 |
| Average equity | $6,106,250 | 5,653 |
| Average total loans | $15,608,500 | 6,210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 5,648 |
| Cost of funding earning assets | 0.0710% | 6,548 |
| Net interest margin | 3.3171% | 4,523 |
| Noninterest income to average assets | 0.7547% | 2,025 |
| Noninterest expense to average assets | 2.7508% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1773% | 1,666 |
| Return on assets (ROA) | 1.1999% | 1,656 |
| Pretax return on assets | 1.1999% | 2,669 |
| Return on Equity (ROE) | 10.5455% | 1,921 |
| Retained earnings to average equity (ytd only) | 7.0303% | 1,757 |
| Net charge-offs to loans | 0.2660% | 1,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,888 |
| Efficiency ratio | 70.0288% | 3,655 |
| Assets per employee ($millions) | 3.5131% | 4,819 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 2,144 |
| Loan loss allowance to noncurrent loans | 809.3750% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 5,517 |
| Noncurrent loans to loans | 0.2094% | 5,390 |
| Net loans and leases to total assets | 28.5050% | 6,346 |
| Net loans and leases to deposits | 32.4260% | 6,375 |
| Net loans and leases to core deposits | 34.1348% | 6,372 |
| Total domestic deposits to total assets | 87.9080% | 1,957 |
| Equity capital to assets | 11.9269% | 2,042 |
| Core capital (leverage) ratio | 11.6884% | 1,860 |
| Tier 1 risk-based capital ratio | 20.2288% | 1,632 |
| Total risk-based capital ratio | 21.0825% | 1,692 |
| Memoranda: | ||
| Average total assets | $53,002,670 | 5,830 |
| Average earning assets | $50,707,330 | 5,763 |
| Average equity | $6,031,000 | 5,711 |
| Average total loans | $15,787,670 | 6,258 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4364% | 5,571 |
| Cost of funding earning assets | 0.0788% | 6,608 |
| Net interest margin | 3.3576% | 4,303 |
| Noninterest income to average assets | 0.7525% | 1,952 |
| Noninterest expense to average assets | 2.7391% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2191% | 1,429 |
| Return on assets (ROA) | 1.2191% | 1,487 |
| Pretax return on assets | 1.2191% | 2,396 |
| Return on Equity (ROE) | 10.9756% | 1,690 |
| Retained earnings to average equity (ytd only) | 10.9756% | 747 |
| Net charge-offs to loans | 0.0499% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 532 |
| Efficiency ratio | 69.2015% | 3,964 |
| Assets per employee ($millions) | 3.5050% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,223 |
| Loan loss allowance to noncurrent loans | 772.2222% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 5,590 |
| Noncurrent loans to loans | 0.2253% | 5,421 |
| Net loans and leases to total assets | 29.8678% | 6,361 |
| Net loans and leases to deposits | 33.7619% | 6,377 |
| Net loans and leases to core deposits | 35.5320% | 6,373 |
| Total domestic deposits to total assets | 88.4660% | 1,953 |
| Equity capital to assets | 11.4465% | 2,295 |
| Core capital (leverage) ratio | 11.4265% | 2,023 |
| Tier 1 risk-based capital ratio | 23.7848% | 1,036 |
| Total risk-based capital ratio | 24.8711% | 1,041 |
| Memoranda: | ||
| Average total assets | $53,156,000 | 5,882 |
| Average earning assets | $50,750,500 | 5,820 |
| Average equity | $5,904,000 | 5,769 |
| Average total loans | $16,041,500 | 6,302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1945% | 6,133 |
| Cost of funding earning assets | 0.0973% | 6,679 |
| Net interest margin | 3.0972% | 5,325 |
| Noninterest income to average assets | 0.8642% | 1,807 |
| Noninterest expense to average assets | 2.5561% | 4,596 |
| Loan and lease loss provision to assets | 0.2289% | 1,586 |
| Net operating income to assets | 1.0528% | 2,105 |
| Return on assets (ROA) | 1.1114% | 1,964 |
| Pretax return on assets | 1.1114% | 2,913 |
| Return on Equity (ROE) | 9.8754% | 2,161 |
| Retained earnings to average equity (ytd only) | 0.9761% | 5,401 |
| Net charge-offs to loans | 0.7262% | 887 |
| Credit loss provision to net charge-offs | 106.8376% | 2,253 |
| Earnings coverage of net charge-offs (x) | 5.9829% | 3,160 |
| Efficiency ratio | 66.6031% | 4,454 |
| Assets per employee ($millions) | 3.5825% | 4,730 |
| Cash dividends to net income (ytd only)* | 90.1153% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 2,272 |
| Loan loss allowance to noncurrent loans | 247.7876% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 5,659 |
| Noncurrent loans to loans | 0.7018% | 4,224 |
| Net loans and leases to total assets | 29.4434% | 6,479 |
| Net loans and leases to deposits | 33.3242% | 6,501 |
| Net loans and leases to core deposits | 36.0320% | 6,469 |
| Total domestic deposits to total assets | 88.3544% | 1,979 |
| Equity capital to assets | 10.7747% | 2,849 |
| Core capital (leverage) ratio | 11.0669% | 2,327 |
| Tier 1 risk-based capital ratio | 22.7438% | 1,141 |
| Total risk-based capital ratio | 23.8187% | 1,143 |
| Memoranda: | ||
| Average total assets | $54,614,600 | 5,900 |
| Average earning assets | $52,434,200 | 5,820 |
| Average equity | $6,146,600 | 5,777 |
| Average total loans | $16,110,600 | 6,369 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 6,256 |
| Cost of funding earning assets | 0.1039% | 6,758 |
| Net interest margin | 3.0459% | 5,478 |
| Noninterest income to average assets | 0.8754% | 1,842 |
| Noninterest expense to average assets | 2.5361% | 4,596 |
| Loan and lease loss provision to assets | 0.3039% | 1,115 |
| Net operating income to assets | 0.9580% | 2,546 |
| Return on assets (ROA) | 0.9921% | 2,503 |
| Pretax return on assets | 0.9921% | 3,532 |
| Return on Equity (ROE) | 8.7237% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.7089% | 2,592 |
| Net charge-offs to loans | 0.9847% | 585 |
| Credit loss provision to net charge-offs | 105.0420% | 2,228 |
| Earnings coverage of net charge-offs (x) | 4.3614% | 3,460 |
| Efficiency ratio | 66.7734% | 4,346 |
| Assets per employee ($millions) | 3.6527% | 4,553 |
| Cash dividends to net income (ytd only)* | 34.5595% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 2,562 |
| Loan loss allowance to noncurrent loans | 239.6552% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 5,809 |
| Noncurrent loans to loans | 0.7173% | 4,419 |
| Net loans and leases to total assets | 29.0084% | 6,564 |
| Net loans and leases to deposits | 32.6553% | 6,602 |
| Net loans and leases to core deposits | 35.2362% | 6,586 |
| Total domestic deposits to total assets | 88.8321% | 1,648 |
| Equity capital to assets | 10.9361% | 2,822 |
| Core capital (leverage) ratio | 11.5411% | 2,007 |
| Tier 1 risk-based capital ratio | 23.2775% | 1,098 |
| Total risk-based capital ratio | 24.3328% | 1,118 |
| Memoranda: | ||
| Average total assets | $54,834,000 | 5,966 |
| Average earning assets | $52,616,000 | 5,880 |
| Average equity | $6,235,750 | 5,827 |
| Average total loans | $16,112,750 | 6,431 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 6,326 |
| Cost of funding earning assets | 0.1104% | 6,805 |
| Net interest margin | 3.0029% | 5,566 |
| Noninterest income to average assets | 0.7986% | 2,193 |
| Noninterest expense to average assets | 2.5488% | 4,567 |
| Loan and lease loss provision to assets | 0.4558% | 634 |
| Net operating income to assets | 0.6709% | 3,954 |
| Return on assets (ROA) | 0.7220% | 3,879 |
| Pretax return on assets | 0.7220% | 4,607 |
| Return on Equity (ROE) | 6.2688% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.8811% | 4,477 |
| Net charge-offs to loans | 1.5038% | 348 |
| Credit loss provision to net charge-offs | 103.3058% | 2,143 |
| Earnings coverage of net charge-offs (x) | 2.5537% | 3,667 |
| Efficiency ratio | 69.3452% | 3,953 |
| Assets per employee ($millions) | 3.2072% | 5,463 |
| Cash dividends to net income (ytd only)* | 54.0404% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 2,793 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 5,834 |
| Noncurrent loans to loans | 0.7370% | 4,453 |
| Net loans and leases to total assets | 29.3588% | 6,598 |
| Net loans and leases to deposits | 33.0280% | 6,638 |
| Net loans and leases to core deposits | 36.1340% | 6,602 |
| Total domestic deposits to total assets | 88.8907% | 1,691 |
| Equity capital to assets | 10.9625% | 2,788 |
| Core capital (leverage) ratio | 10.7548% | 2,615 |
| Tier 1 risk-based capital ratio | 22.7016% | 1,182 |
| Total risk-based capital ratio | 23.7536% | 1,187 |
| Memoranda: | ||
| Average total assets | $54,848,330 | 6,003 |
| Average earning assets | $52,550,000 | 5,920 |
| Average equity | $6,317,000 | 5,847 |
| Average total loans | $16,093,000 | 6,471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 6,378 |
| Cost of funding earning assets | 0.1135% | 6,883 |
| Net interest margin | 3.0114% | 5,535 |
| Noninterest income to average assets | 0.8216% | 2,035 |
| Noninterest expense to average assets | 2.5595% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1561% | 1,648 |
| Return on assets (ROA) | 1.2579% | 1,480 |
| Pretax return on assets | 1.2579% | 2,383 |
| Return on Equity (ROE) | 10.6675% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.6675% | 945 |
| Net charge-offs to loans | 0.1000% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 794 |
| Efficiency ratio | 68.8845% | 4,164 |
| Assets per employee ($millions) | 3.7179% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 3,092 |
| Loan loss allowance to noncurrent loans | 188.7324% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 5,807 |
| Noncurrent loans to loans | 0.8898% | 4,357 |
| Net loans and leases to total assets | 28.1339% | 6,661 |
| Net loans and leases to deposits | 31.9000% | 6,690 |
| Net loans and leases to core deposits | 34.4653% | 6,662 |
| Total domestic deposits to total assets | 88.1942% | 2,199 |
| Equity capital to assets | 11.7126% | 2,247 |
| Core capital (leverage) ratio | 11.2251% | 2,075 |
| Tier 1 risk-based capital ratio | 22.8375% | 1,186 |
| Total risk-based capital ratio | 23.8511% | 1,202 |
| Memoranda: | ||
| Average total assets | $55,011,500 | 6,047 |
| Average earning assets | $52,866,500 | 5,952 |
| Average equity | $6,487,000 | 5,868 |
| Average total loans | $15,998,000 | 6,534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 6,127 |
| Cost of funding earning assets | 0.1758% | 6,878 |
| Net interest margin | 3.4780% | 4,592 |
| Noninterest income to average assets | 0.9153% | 1,816 |
| Noninterest expense to average assets | 2.8064% | 4,004 |
| Loan and lease loss provision to assets | 0.1285% | 4,005 |
| Net operating income to assets | 1.2931% | 1,328 |
| Return on assets (ROA) | 1.3594% | 1,304 |
| Pretax return on assets | 1.3594% | 2,177 |
| Return on Equity (ROE) | 10.5998% | 1,939 |
| Retained earnings to average equity (ytd only) | 1.0630% | 5,342 |
| Net charge-offs to loans | 0.4808% | 2,318 |
| Credit loss provision to net charge-offs | 82.5000% | 3,745 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 2,307 |
| Efficiency ratio | 66.3749% | 4,430 |
| Assets per employee ($millions) | 3.6169% | 4,740 |
| Cash dividends to net income (ytd only)* | 89.9713% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 2,947 |
| Loan loss allowance to noncurrent loans | 357.8947% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 6,216 |
| Noncurrent loans to loans | 0.4739% | 5,341 |
| Net loans and leases to total assets | 29.0596% | 6,731 |
| Net loans and leases to deposits | 33.3101% | 6,753 |
| Net loans and leases to core deposits | 35.3031% | 6,739 |
| Total domestic deposits to total assets | 87.2397% | 2,680 |
| Equity capital to assets | 11.8738% | 2,131 |
| Core capital (leverage) ratio | 11.3654% | 1,966 |
| Tier 1 risk-based capital ratio | 22.4009% | 1,195 |
| Total risk-based capital ratio | 23.4398% | 1,202 |
| Memoranda: | ||
| Average total assets | $51,347,600 | 6,172 |
| Average earning assets | $48,907,200 | 6,089 |
| Average equity | $6,585,000 | 5,872 |
| Average total loans | $16,639,400 | 6,568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 6,037 |
| Cost of funding earning assets | 0.1911% | 6,964 |
| Net interest margin | 3.6051% | 4,215 |
| Noninterest income to average assets | 0.9140% | 1,781 |
| Noninterest expense to average assets | 2.8262% | 3,888 |
| Loan and lease loss provision to assets | 0.0527% | 5,092 |
| Net operating income to assets | 1.4644% | 1,087 |
| Return on assets (ROA) | 1.5435% | 1,061 |
| Pretax return on assets | 1.5435% | 1,743 |
| Return on Equity (ROE) | 11.8009% | 1,702 |
| Retained earnings to average equity (ytd only) | 7.4108% | 1,891 |
| Net charge-offs to loans | 0.2223% | 3,388 |
| Credit loss provision to net charge-offs | 71.4286% | 3,868 |
| Earnings coverage of net charge-offs (x) | 20.5727% | 1,441 |
| Efficiency ratio | 65.0697% | 4,618 |
| Assets per employee ($millions) | 3.3605% | 5,304 |
| Cash dividends to net income (ytd only)* | 37.2016% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 3,125 |
| Loan loss allowance to noncurrent loans | 604.3478% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 6,504 |
| Noncurrent loans to loans | 0.2826% | 5,926 |
| Net loans and leases to total assets | 31.7430% | 6,756 |
| Net loans and leases to deposits | 36.8789% | 6,790 |
| Net loans and leases to core deposits | 39.2942% | 6,772 |
| Total domestic deposits to total assets | 86.0736% | 3,211 |
| Equity capital to assets | 13.6427% | 1,288 |
| Core capital (leverage) ratio | 12.0819% | 1,606 |
| Tier 1 risk-based capital ratio | 24.2171% | 992 |
| Total risk-based capital ratio | 25.3094% | 995 |
| Memoranda: | ||
| Average total assets | $50,621,000 | 6,267 |
| Average earning assets | $48,152,750 | 6,192 |
| Average equity | $6,620,750 | 5,932 |
| Average total loans | $16,789,750 | 6,648 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 5,999 |
| Cost of funding earning assets | 0.1995% | 7,033 |
| Net interest margin | 3.6653% | 3,974 |
| Noninterest income to average assets | 0.8956% | 1,803 |
| Noninterest expense to average assets | 2.8801% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4953% | 1,000 |
| Return on assets (ROA) | 1.6137% | 908 |
| Pretax return on assets | 1.6137% | 1,506 |
| Return on Equity (ROE) | 12.5166% | 1,498 |
| Retained earnings to average equity (ytd only) | 8.0180% | 1,631 |
| Net charge-offs to loans | 0.1651% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 27.0714% | 1,143 |
| Efficiency ratio | 65.8251% | 4,563 |
| Assets per employee ($millions) | 3.1789% | 5,695 |
| Cash dividends to net income (ytd only)* | 35.9413% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,388 |
| Loan loss allowance to noncurrent loans | 523.0769% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,539 |
| Noncurrent loans to loans | 0.3174% | 5,919 |
| Net loans and leases to total assets | 31.6759% | 6,821 |
| Net loans and leases to deposits | 36.5023% | 6,858 |
| Net loans and leases to core deposits | 39.3623% | 6,818 |
| Total domestic deposits to total assets | 86.7779% | 2,906 |
| Equity capital to assets | 13.0294% | 1,503 |
| Core capital (leverage) ratio | 11.7893% | 1,735 |
| Tier 1 risk-based capital ratio | 23.7735% | 1,046 |
| Total risk-based capital ratio | 24.8410% | 1,048 |
| Memoranda: | ||
| Average total assets | $50,692,000 | 6,303 |
| Average earning assets | $48,127,330 | 6,229 |
| Average equity | $6,535,330 | 5,973 |
| Average total loans | $16,960,000 | 6,693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 6,008 |
| Cost of funding earning assets | 0.2081% | 7,093 |
| Net interest margin | 3.6956% | 3,853 |
| Noninterest income to average assets | 0.8694% | 1,872 |
| Noninterest expense to average assets | 2.7901% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5887% | 874 |
| Return on assets (ROA) | 1.5887% | 983 |
| Pretax return on assets | 1.5887% | 1,607 |
| Return on Equity (ROE) | 12.3892% | 1,557 |
| Retained earnings to average equity (ytd only) | 12.3892% | 769 |
| Net charge-offs to loans | -0.1855% | 6,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7184% | 4,977 |
| Assets per employee ($millions) | 3.4691% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 3,247 |
| Loan loss allowance to noncurrent loans | 536.3636% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 6,614 |
| Noncurrent loans to loans | 0.3216% | 6,035 |
| Net loans and leases to total assets | 32.3026% | 6,812 |
| Net loans and leases to deposits | 37.0365% | 6,853 |
| Net loans and leases to core deposits | 40.0863% | 6,814 |
| Total domestic deposits to total assets | 87.2185% | 2,817 |
| Equity capital to assets | 12.6835% | 1,608 |
| Core capital (leverage) ratio | 11.9630% | 1,610 |
| Tier 1 risk-based capital ratio | 22.7760% | 1,162 |
| Total risk-based capital ratio | 23.8927% | 1,165 |
| Memoranda: | ||
| Average total assets | $50,607,000 | 6,350 |
| Average earning assets | $48,057,000 | 6,273 |
| Average equity | $6,489,500 | 6,015 |
| Average total loans | $17,248,500 | 6,741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 5,900 |
| Cost of funding earning assets | 0.2582% | 7,169 |
| Net interest margin | 3.9980% | 2,889 |
| Noninterest income to average assets | 0.9932% | 1,388 |
| Noninterest expense to average assets | 3.1836% | 2,921 |
| Loan and lease loss provision to assets | 0.0863% | 5,522 |
| Net operating income to assets | 1.5024% | 823 |
| Return on assets (ROA) | 1.5992% | 719 |
| Pretax return on assets | 1.5992% | 1,200 |
| Return on Equity (ROE) | 11.9912% | 1,407 |
| Retained earnings to average equity (ytd only) | 1.1991% | 5,291 |
| Net charge-offs to loans | 0.2440% | 4,255 |
| Credit loss provision to net charge-offs | 97.6190% | 3,684 |
| Earnings coverage of net charge-offs (x) | 17.9762% | 1,241 |
| Efficiency ratio | 66.3139% | 4,704 |
| Assets per employee ($millions) | 3.0736% | 5,949 |
| Cash dividends to net income (ytd only)* | 90.0000% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,398 |
| Loan loss allowance to noncurrent loans | 468.8525% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 6,643 |
| Noncurrent loans to loans | 0.3507% | 6,027 |
| Net loans and leases to total assets | 34.7859% | 6,831 |
| Net loans and leases to deposits | 40.4938% | 6,857 |
| Net loans and leases to core deposits | 43.5315% | 6,831 |
| Total domestic deposits to total assets | 85.9043% | 3,370 |
| Equity capital to assets | 12.9712% | 1,503 |
| Core capital (leverage) ratio | 11.9873% | 1,602 |
| Tier 1 risk-based capital ratio | 22.3280% | 1,192 |
| Total risk-based capital ratio | 23.4299% | 1,186 |
| Memoranda: | ||
| Average total assets | $47,525,000 | 6,435 |
| Average earning assets | $44,923,000 | 6,362 |
| Average equity | $6,338,000 | 6,061 |
| Average total loans | $17,212,800 | 6,792 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 5,848 |
| Cost of funding earning assets | 0.2757% | 7,254 |
| Net interest margin | 4.0543% | 2,675 |
| Noninterest income to average assets | 0.9990% | 1,345 |
| Noninterest expense to average assets | 3.2376% | 2,710 |
| Loan and lease loss provision to assets | 0.0679% | 5,602 |
| Net operating income to assets | 1.5226% | 889 |
| Return on assets (ROA) | 1.6528% | 771 |
| Pretax return on assets | 1.6528% | 1,250 |
| Return on Equity (ROE) | 12.3053% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.8593% | 1,560 |
| Net charge-offs to loans | -0.0156% | 6,855 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8230% | 4,563 |
| Assets per employee ($millions) | 3.0612% | 5,986 |
| Cash dividends to net income (ytd only)* | 36.1305% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 2,769 |
| Loan loss allowance to noncurrent loans | 521.6667% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 6,739 |
| Noncurrent loans to loans | 0.3556% | 6,141 |
| Net loans and leases to total assets | 33.8104% | 6,964 |
| Net loans and leases to deposits | 39.2808% | 7,000 |
| Net loans and leases to core deposits | 43.0801% | 6,950 |
| Total domestic deposits to total assets | 86.0736% | 3,179 |
| Equity capital to assets | 13.6181% | 1,317 |
| Core capital (leverage) ratio | 12.5481% | 1,416 |
| Tier 1 risk-based capital ratio | 25.5633% | 868 |
| Total risk-based capital ratio | 26.8138% | 855 |
| Memoranda: | ||
| Average total assets | $47,111,750 | 6,508 |
| Average earning assets | $44,494,250 | 6,438 |
| Average equity | $6,327,750 | 6,105 |
| Average total loans | $17,167,750 | 6,863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 5,689 |
| Cost of funding earning assets | 0.2785% | 7,339 |
| Net interest margin | 4.1230% | 2,330 |
| Noninterest income to average assets | 1.0368% | 1,231 |
| Noninterest expense to average assets | 3.3470% | 2,412 |
| Loan and lease loss provision to assets | 0.1032% | 5,019 |
| Net operating income to assets | 1.4713% | 941 |
| Return on assets (ROA) | 1.6176% | 750 |
| Pretax return on assets | 1.6176% | 1,226 |
| Return on Equity (ROE) | 12.1023% | 1,461 |
| Retained earnings to average equity (ytd only) | 8.0468% | 1,448 |
| Net charge-offs to loans | -0.0232% | 6,858 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6573% | 4,581 |
| Assets per employee ($millions) | 3.1090% | 5,858 |
| Cash dividends to net income (ytd only)* | 33.5106% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 2,671 |
| Loan loss allowance to noncurrent loans | 396.2025% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,698 |
| Noncurrent loans to loans | 0.4795% | 5,947 |
| Net loans and leases to total assets | 32.4944% | 7,097 |
| Net loans and leases to deposits | 37.3881% | 7,135 |
| Net loans and leases to core deposits | 41.1612% | 7,096 |
| Total domestic deposits to total assets | 86.9110% | 2,791 |
| Equity capital to assets | 12.8860% | 1,578 |
| Core capital (leverage) ratio | 13.0720% | 1,125 |
| Tier 1 risk-based capital ratio | 24.6379% | 939 |
| Total risk-based capital ratio | 25.8883% | 919 |
| Memoranda: | ||
| Average total assets | $46,489,330 | 6,582 |
| Average earning assets | $43,802,670 | 6,517 |
| Average equity | $6,213,670 | 6,172 |
| Average total loans | $17,266,000 | 6,929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 5,065 |
| Cost of funding earning assets | 0.2935% | 7,398 |
| Net interest margin | 4.2788% | 1,630 |
| Noninterest income to average assets | 1.0521% | 1,191 |
| Noninterest expense to average assets | 3.5219% | 1,948 |
| Loan and lease loss provision to assets | 0.2140% | 3,511 |
| Net operating income to assets | 1.3464% | 1,162 |
| Return on assets (ROA) | 1.3553% | 1,194 |
| Pretax return on assets | 1.3553% | 1,866 |
| Return on Equity (ROE) | 9.9420% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.9420% | 1,130 |
| Net charge-offs to loans | -0.1585% | 7,210 |
| Credit loss provision to net charge-offs | -342.8571% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5965% | 4,538 |
| Assets per employee ($millions) | 2.8176% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 2,948 |
| Loan loss allowance to noncurrent loans | 378.5714% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 6,688 |
| Noncurrent loans to loans | 0.4808% | 6,056 |
| Net loans and leases to total assets | 38.0462% | 6,900 |
| Net loans and leases to deposits | 44.2096% | 6,946 |
| Net loans and leases to core deposits | 49.5938% | 6,794 |
| Total domestic deposits to total assets | 86.0587% | 3,490 |
| Equity capital to assets | 13.8259% | 1,059 |
| Core capital (leverage) ratio | 12.7761% | 1,208 |
| Tier 1 risk-based capital ratio | 23.7356% | 999 |
| Total risk-based capital ratio | 24.9848% | 981 |
| Memoranda: | ||
| Average total assets | $44,862,000 | 6,673 |
| Average earning assets | $42,254,500 | 6,609 |
| Average equity | $6,115,500 | 6,207 |
| Average total loans | $17,660,500 | 6,961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 4,004 |
| Cost of funding earning assets | 0.3895% | 7,434 |
| Net interest margin | 4.7310% | 763 |
| Noninterest income to average assets | 1.0607% | 1,331 |
| Noninterest expense to average assets | 3.5326% | 2,092 |
| Loan and lease loss provision to assets | 0.1973% | 5,257 |
| Net operating income to assets | 1.7570% | 458 |
| Return on assets (ROA) | 1.8220% | 427 |
| Pretax return on assets | 1.8220% | 727 |
| Return on Equity (ROE) | 12.5263% | 1,213 |
| Retained earnings to average equity (ytd only) | 1.2447% | 4,933 |
| Net charge-offs to loans | 0.4596% | 3,779 |
| Credit loss provision to net charge-offs | 101.1905% | 4,484 |
| Earnings coverage of net charge-offs (x) | 10.0238% | 1,762 |
| Efficiency ratio | 62.6058% | 5,604 |
| Assets per employee ($millions) | 2.7901% | 6,532 |
| Cash dividends to net income (ytd only)* | 90.0637% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 3,542 |
| Loan loss allowance to noncurrent loans | 292.8571% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 6,687 |
| Noncurrent loans to loans | 0.5490% | 5,953 |
| Net loans and leases to total assets | 39.3441% | 7,001 |
| Net loans and leases to deposits | 46.1264% | 7,038 |
| Net loans and leases to core deposits | 51.4726% | 6,927 |
| Total domestic deposits to total assets | 85.2964% | 3,716 |
| Equity capital to assets | 13.4358% | 1,199 |
| Core capital (leverage) ratio | 12.6491% | 1,259 |
| Tier 1 risk-based capital ratio | 22.9288% | 1,048 |
| Total risk-based capital ratio | 24.0802% | 1,044 |
| Memoranda: | ||
| Average total assets | $43,084,600 | 6,761 |
| Average earning assets | $40,308,400 | 6,701 |
| Average equity | $6,266,800 | 6,283 |
| Average total loans | $18,274,800 | 7,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 3,781 |
| Cost of funding earning assets | 0.4177% | 7,550 |
| Net interest margin | 4.7924% | 687 |
| Noninterest income to average assets | 1.0305% | 1,369 |
| Noninterest expense to average assets | 3.5600% | 1,882 |
| Loan and lease loss provision to assets | 0.1718% | 5,325 |
| Net operating income to assets | 1.7769% | 539 |
| Return on assets (ROA) | 1.8643% | 487 |
| Pretax return on assets | 1.8643% | 822 |
| Return on Equity (ROE) | 12.5668% | 1,370 |
| Retained earnings to average equity (ytd only) | 7.7884% | 1,490 |
| Net charge-offs to loans | 0.4788% | 3,360 |
| Credit loss provision to net charge-offs | 83.3333% | 5,026 |
| Earnings coverage of net charge-offs (x) | 9.4543% | 2,021 |
| Efficiency ratio | 62.8118% | 5,466 |
| Assets per employee ($millions) | 2.7361% | 6,714 |
| Cash dividends to net income (ytd only)* | 38.0236% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,997 |
| Loan loss allowance to noncurrent loans | 261.9048% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 6,768 |
| Noncurrent loans to loans | 0.5703% | 6,066 |
| Net loans and leases to total assets | 41.4295% | 7,005 |
| Net loans and leases to deposits | 48.8605% | 7,053 |
| Net loans and leases to core deposits | 53.7839% | 6,966 |
| Total domestic deposits to total assets | 84.7914% | 3,725 |
| Equity capital to assets | 14.8613% | 930 |
| Core capital (leverage) ratio | 13.5252% | 1,053 |
| Tier 1 risk-based capital ratio | 25.1658% | 852 |
| Total risk-based capital ratio | 26.3200% | 840 |
| Memoranda: | ||
| Average total assets | $42,695,250 | 6,861 |
| Average earning assets | $39,895,250 | 6,800 |
| Average equity | $6,334,000 | 6,339 |
| Average total loans | $18,380,750 | 7,102 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 3,596 |
| Cost of funding earning assets | 0.4418% | 7,620 |
| Net interest margin | 4.8297% | 623 |
| Noninterest income to average assets | 1.0346% | 1,271 |
| Noninterest expense to average assets | 3.6377% | 1,689 |
| Loan and lease loss provision to assets | 0.0236% | 6,703 |
| Net operating income to assets | 1.8661% | 434 |
| Return on assets (ROA) | 1.9984% | 364 |
| Pretax return on assets | 1.9984% | 604 |
| Return on Equity (ROE) | 13.4785% | 1,146 |
| Retained earnings to average equity (ytd only) | 9.0494% | 1,092 |
| Net charge-offs to loans | 0.2504% | 4,091 |
| Credit loss provision to net charge-offs | 21.7391% | 5,834 |
| Earnings coverage of net charge-offs (x) | 17.3913% | 1,348 |
| Efficiency ratio | 64.0171% | 5,333 |
| Assets per employee ($millions) | 2.8911% | 6,378 |
| Cash dividends to net income (ytd only)* | 32.8605% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 4,031 |
| Loan loss allowance to noncurrent loans | 191.4286% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 6,606 |
| Noncurrent loans to loans | 0.7713% | 5,727 |
| Net loans and leases to total assets | 41.2364% | 7,082 |
| Net loans and leases to deposits | 48.5094% | 7,138 |
| Net loans and leases to core deposits | 53.9197% | 7,039 |
| Total domestic deposits to total assets | 85.0070% | 3,624 |
| Equity capital to assets | 14.7439% | 937 |
| Core capital (leverage) ratio | 13.8869% | 953 |
| Tier 1 risk-based capital ratio | 24.7566% | 865 |
| Total risk-based capital ratio | 25.8813% | 861 |
| Memoranda: | ||
| Average total assets | $42,334,330 | 6,925 |
| Average earning assets | $39,381,000 | 6,871 |
| Average equity | $6,276,670 | 6,383 |
| Average total loans | $18,370,330 | 7,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 2,850 |
| Cost of funding earning assets | 0.4751% | 7,706 |
| Net interest margin | 4.9682% | 443 |
| Noninterest income to average assets | 1.0713% | 1,106 |
| Noninterest expense to average assets | 3.8165% | 1,305 |
| Loan and lease loss provision to assets | 0.0478% | 6,184 |
| Net operating income to assets | 1.8078% | 486 |
| Return on assets (ROA) | 2.0757% | 334 |
| Pretax return on assets | 2.0757% | 525 |
| Return on Equity (ROE) | 13.9595% | 1,055 |
| Retained earnings to average equity (ytd only) | 13.9595% | 512 |
| Net charge-offs to loans | 0.1948% | 3,745 |
| Credit loss provision to net charge-offs | 55.5556% | 4,388 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 1,122 |
| Efficiency ratio | 65.5987% | 5,204 |
| Assets per employee ($millions) | 2.7293% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,706 |
| Loan loss allowance to noncurrent loans | 195.8333% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 6,596 |
| Noncurrent loans to loans | 0.7856% | 5,748 |
| Net loans and leases to total assets | 44.0851% | 6,985 |
| Net loans and leases to deposits | 52.2026% | 7,026 |
| Net loans and leases to core deposits | 58.4380% | 6,853 |
| Total domestic deposits to total assets | 84.4500% | 3,915 |
| Equity capital to assets | 15.4034% | 783 |
| Core capital (leverage) ratio | 13.8071% | 1,004 |
| Tier 1 risk-based capital ratio | 24.2635% | 940 |
| Total risk-based capital ratio | 25.4386% | 928 |
| Memoranda: | ||
| Average total assets | $41,818,000 | 7,026 |
| Average earning assets | $38,726,000 | 6,990 |
| Average equity | $6,218,000 | 6,443 |
| Average total loans | $18,480,000 | 7,240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 3,217 |
| Cost of funding earning assets | 0.5072% | 7,827 |
| Net interest margin | 5.1713% | 312 |
| Noninterest income to average assets | 1.0033% | 1,560 |
| Noninterest expense to average assets | 3.8355% | 1,622 |
| Loan and lease loss provision to assets | 0.2465% | 5,419 |
| Net operating income to assets | 1.6466% | 487 |
| Return on assets (ROA) | 1.6811% | 489 |
| Pretax return on assets | 1.6811% | 816 |
| Return on Equity (ROE) | 11.1256% | 1,392 |
| Retained earnings to average equity (ytd only) | 1.1256% | 4,258 |
| Net charge-offs to loans | 0.4805% | 3,853 |
| Credit loss provision to net charge-offs | 114.9425% | 4,754 |
| Earnings coverage of net charge-offs (x) | 8.8276% | 1,886 |
| Efficiency ratio | 65.1463% | 5,560 |
| Assets per employee ($millions) | 2.5116% | 7,189 |
| Cash dividends to net income (ytd only)* | 89.8827% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 3,550 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 6,681 |
| Noncurrent loans to loans | 0.6978% | 5,843 |
| Net loans and leases to total assets | 42.9632% | 7,188 |
| Net loans and leases to deposits | 50.8821% | 7,207 |
| Net loans and leases to core deposits | 64.3762% | 7,068 |
| Total domestic deposits to total assets | 84.4368% | 3,826 |
| Equity capital to assets | 14.3570% | 1,059 |
| Core capital (leverage) ratio | 13.1638% | 1,193 |
| Tier 1 risk-based capital ratio | 18.6519% | 1,726 |
| Total risk-based capital ratio | 19.6053% | 1,747 |
| Memoranda: | ||
| Average total assets | $40,568,000 | 7,072 |
| Average earning assets | $37,069,800 | 7,053 |
| Average equity | $6,130,000 | 6,561 |
| Average total loans | $18,106,400 | 7,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 3,259 |
| Cost of funding earning assets | 0.5114% | 7,937 |
| Net interest margin | 5.2054% | 298 |
| Noninterest income to average assets | 0.9858% | 1,656 |
| Noninterest expense to average assets | 3.8631% | 1,484 |
| Loan and lease loss provision to assets | 0.3330% | 4,341 |
| Net operating income to assets | 1.5353% | 750 |
| Return on assets (ROA) | 1.5819% | 739 |
| Pretax return on assets | 1.5819% | 1,211 |
| Return on Equity (ROE) | 10.3315% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.5034% | 1,704 |
| Net charge-offs to loans | 0.6305% | 2,793 |
| Credit loss provision to net charge-offs | 117.6471% | 4,320 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,572 |
| Efficiency ratio | 65.5433% | 5,449 |
| Assets per employee ($millions) | 2.3710% | 7,419 |
| Cash dividends to net income (ytd only)* | 37.0524% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 3,224 |
| Loan loss allowance to noncurrent loans | 254.8673% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,766 |
| Noncurrent loans to loans | 0.6051% | 6,095 |
| Net loans and leases to total assets | 45.6199% | 7,132 |
| Net loans and leases to deposits | 54.4765% | 7,177 |
| Net loans and leases to core deposits | 64.5669% | 7,220 |
| Total domestic deposits to total assets | 83.7423% | 3,844 |
| Equity capital to assets | 15.9178% | 802 |
| Core capital (leverage) ratio | 14.5999% | 935 |
| Tier 1 risk-based capital ratio | 20.6829% | 1,424 |
| Total risk-based capital ratio | 21.7073% | 1,424 |
| Memoranda: | ||
| Average total assets | $40,035,750 | 7,148 |
| Average earning assets | $36,499,750 | 7,136 |
| Average equity | $6,130,000 | 6,622 |
| Average total loans | $17,975,500 | 7,378 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,669 |
| Cost of funding earning assets | 0.5188% | 8,033 |
| Net interest margin | 5.1599% | 319 |
| Noninterest income to average assets | 0.9213% | 1,890 |
| Noninterest expense to average assets | 3.8402% | 1,592 |
| Loan and lease loss provision to assets | 0.3455% | 3,854 |
| Net operating income to assets | 1.4169% | 985 |
| Return on assets (ROA) | 1.4169% | 1,059 |
| Pretax return on assets | 1.4169% | 1,677 |
| Return on Equity (ROE) | 9.3791% | 2,224 |
| Retained earnings to average equity (ytd only) | 5.6010% | 2,198 |
| Net charge-offs to loans | 0.6538% | 2,402 |
| Credit loss provision to net charge-offs | 118.9655% | 3,906 |
| Earnings coverage of net charge-offs (x) | 6.0690% | 2,690 |
| Efficiency ratio | 66.6667% | 5,421 |
| Assets per employee ($millions) | 2.3989% | 7,429 |
| Cash dividends to net income (ytd only)* | 40.2827% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 2,853 |
| Loan loss allowance to noncurrent loans | 275.7282% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 6,843 |
| Noncurrent loans to loans | 0.5705% | 6,125 |
| Net loans and leases to total assets | 43.5707% | 7,355 |
| Net loans and leases to deposits | 51.3451% | 7,416 |
| Net loans and leases to core deposits | 58.4968% | 7,507 |
| Total domestic deposits to total assets | 84.8585% | 3,333 |
| Equity capital to assets | 14.8767% | 1,062 |
| Core capital (leverage) ratio | 13.9710% | 1,146 |
| Tier 1 risk-based capital ratio | 19.7921% | 1,618 |
| Total risk-based capital ratio | 20.7826% | 1,627 |
| Memoranda: | ||
| Average total assets | $39,945,330 | 7,212 |
| Average earning assets | $36,240,670 | 7,213 |
| Average equity | $6,034,670 | 6,700 |
| Average total loans | $17,742,000 | 7,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8237% | 3,178 |
| Cost of funding earning assets | 0.5325% | 8,084 |
| Net interest margin | 5.2912% | 235 |
| Noninterest income to average assets | 0.9209% | 1,773 |
| Noninterest expense to average assets | 4.0377% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6090% | 774 |
| Return on assets (ROA) | 1.6090% | 846 |
| Pretax return on assets | 1.6090% | 1,381 |
| Return on Equity (ROE) | 10.5674% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.5674% | 1,061 |
| Net charge-offs to loans | -0.0227% | 7,473 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7133% | 4,639 |
| Assets per employee ($millions) | 2.5268% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 2,698 |
| Loan loss allowance to noncurrent loans | 595.6522% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 7,248 |
| Noncurrent loans to loans | 0.2612% | 6,786 |
| Net loans and leases to total assets | 42.8787% | 7,416 |
| Net loans and leases to deposits | 50.6264% | 7,469 |
| Net loans and leases to core deposits | 57.1829% | 7,558 |
| Total domestic deposits to total assets | 84.6963% | 3,364 |
| Equity capital to assets | 15.1702% | 1,053 |
| Core capital (leverage) ratio | 14.7025% | 1,033 |
| Tier 1 risk-based capital ratio | 19.5667% | 1,704 |
| Total risk-based capital ratio | 20.5150% | 1,721 |
| Memoranda: | ||
| Average total assets | $39,527,000 | 7,275 |
| Average earning assets | $35,304,000 | 7,291 |
| Average equity | $6,018,500 | 6,752 |
| Average total loans | $17,586,500 | 7,505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1987% | 4,524 |
| Cost of funding earning assets | 0.8680% | 8,099 |
| Net interest margin | 5.3307% | 269 |
| Noninterest income to average assets | 1.0272% | 1,502 |
| Noninterest expense to average assets | 3.8205% | 1,715 |
| Loan and lease loss provision to assets | 0.2581% | 4,337 |
| Net operating income to assets | 1.7812% | 573 |
| Return on assets (ROA) | 1.9128% | 408 |
| Pretax return on assets | 1.9128% | 746 |
| Return on Equity (ROE) | 13.1387% | 1,296 |
| Retained earnings to average equity (ytd only) | 1.3034% | 4,435 |
| Net charge-offs to loans | 0.5025% | 2,350 |
| Credit loss provision to net charge-offs | 115.9091% | 4,658 |
| Earnings coverage of net charge-offs (x) | 9.1591% | 2,746 |
| Efficiency ratio | 63.3851% | 5,692 |
| Assets per employee ($millions) | 2.4141% | 7,376 |
| Cash dividends to net income (ytd only)* | 90.0794% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 2,427 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 6,895 |
| Noncurrent loans to loans | 0.3701% | 6,252 |
| Net loans and leases to total assets | 44.7652% | 7,417 |
| Net loans and leases to deposits | 53.8090% | 7,449 |
| Net loans and leases to core deposits | 61.4791% | 7,524 |
| Total domestic deposits to total assets | 83.1927% | 3,687 |
| Equity capital to assets | 15.2850% | 1,096 |
| Core capital (leverage) ratio | 14.1286% | 1,235 |
| Tier 1 risk-based capital ratio | 20.7115% | 1,504 |
| Total risk-based capital ratio | 21.7426% | 1,501 |
| Memoranda: | ||
| Average total assets | $39,523,200 | 7,237 |
| Average earning assets | $35,830,000 | 7,247 |
| Average equity | $5,754,000 | 6,898 |
| Average total loans | $17,514,000 | 7,492 |