Home > Kinmundy Bank > Performance and Condition Ratios
Kinmundy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 1,812 |
| Cost of funding earning assets | 0.7995% | 3,733 |
| Net interest margin | 4.3244% | 783 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 1.8005% | 4,005 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.9461% | 501 |
| Return on assets (ROA) | 1.9461% | 478 |
| Pretax return on assets | 2.6096% | 299 |
| Return on Equity (ROE) | 16.3400% | 1,049 |
| Retained earnings to average equity (ytd only) | 8.1946% | 1,479 |
| Net charge-offs to loans | 0.2771% | 386 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 15.9386% | 2,027 |
| Efficiency ratio | 39.2714% | 4,377 |
| Assets per employee ($millions) | 7.3649% | 1,832 |
| Cash dividends to net income (ytd only)* | 49.8425% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 3,708 |
| Loan loss allowance to noncurrent loans | 155.0388% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 576 |
| Noncurrent loans to loans | 0.5803% | 1,348 |
| Net loans and leases to total assets | 66.4700% | 2,202 |
| Net loans and leases to deposits | 77.4007% | 2,322 |
| Net loans and leases to core deposits | 82.9124% | 2,530 |
| Total domestic deposits to total assets | 85.8800% | 2,059 |
| Equity capital to assets | 12.3031% | 1,035 |
| Core capital (leverage) ratio | 11.8604% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1246% | 773 |
| Memoranda: | ||
| Average total assets | $65,259,400 | 4,164 |
| Average earning assets | $60,910,200 | 4,122 |
| Average equity | $7,773,400 | 3,959 |
| Average total loans | $41,133,200 | 3,977 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 1,795 |
| Cost of funding earning assets | 0.6854% | 3,796 |
| Net interest margin | 4.3329% | 769 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 1.6922% | 4,136 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.0737% | 453 |
| Return on assets (ROA) | 2.0737% | 447 |
| Pretax return on assets | 2.8059% | 276 |
| Return on Equity (ROE) | 17.5600% | 1,001 |
| Retained earnings to average equity (ytd only) | 13.7706% | 703 |
| Net charge-offs to loans | 0.2250% | 392 |
| Credit loss provision to net charge-offs | 91.1765% | 1,688 |
| Earnings coverage of net charge-offs (x) | 21.0294% | 1,791 |
| Efficiency ratio | 36.5854% | 4,437 |
| Assets per employee ($millions) | 7.4669% | 1,656 |
| Cash dividends to net income (ytd only)* | 21.5628% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 3,680 |
| Loan loss allowance to noncurrent loans | 121.6049% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 762 |
| Noncurrent loans to loans | 0.7529% | 1,105 |
| Net loans and leases to total assets | 63.4500% | 2,510 |
| Net loans and leases to deposits | 72.1524% | 2,699 |
| Net loans and leases to core deposits | 74.8425% | 2,938 |
| Total domestic deposits to total assets | 87.9300% | 1,599 |
| Equity capital to assets | 11.7586% | 1,107 |
| Core capital (leverage) ratio | 12.0066% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5901% | 746 |
| Memoranda: | ||
| Average total assets | $65,003,250 | 4,180 |
| Average earning assets | $60,496,250 | 4,153 |
| Average equity | $7,678,000 | 3,969 |
| Average total loans | $40,302,000 | 3,996 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 1,858 |
| Cost of funding earning assets | 0.5904% | 3,777 |
| Net interest margin | 4.2699% | 844 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 1.6835% | 4,167 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.9947% | 471 |
| Return on assets (ROA) | 1.9947% | 469 |
| Pretax return on assets | 2.7447% | 267 |
| Return on Equity (ROE) | 16.8600% | 1,122 |
| Retained earnings to average equity (ytd only) | 13.9149% | 691 |
| Net charge-offs to loans | 0.2691% | 308 |
| Credit loss provision to net charge-offs | 115.0943% | 1,349 |
| Earnings coverage of net charge-offs (x) | 17.8113% | 1,784 |
| Efficiency ratio | 36.4310% | 4,465 |
| Assets per employee ($millions) | 6.3691% | 2,415 |
| Cash dividends to net income (ytd only)* | 17.4727% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,421 |
| Loan loss allowance to noncurrent loans | 105.1414% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 594 |
| Noncurrent loans to loans | 0.9507% | 800 |
| Net loans and leases to total assets | 63.6000% | 2,422 |
| Net loans and leases to deposits | 73.8604% | 2,509 |
| Net loans and leases to core deposits | 78.3005% | 2,589 |
| Total domestic deposits to total assets | 86.1100% | 2,202 |
| Equity capital to assets | 12.2780% | 979 |
| Core capital (leverage) ratio | 12.1888% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9411% | 639 |
| Memoranda: | ||
| Average total assets | $64,270,333 | 4,205 |
| Average earning assets | $59,954,667 | 4,182 |
| Average equity | $7,603,333 | 4,002 |
| Average total loans | $39,392,333 | 4,027 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 1,808 |
| Cost of funding earning assets | 0.5032% | 3,675 |
| Net interest margin | 4.2113% | 933 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 1.5056% | 4,383 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.1561% | 395 |
| Return on assets (ROA) | 2.1561% | 390 |
| Pretax return on assets | 2.8315% | 246 |
| Return on Equity (ROE) | 18.5700% | 953 |
| Retained earnings to average equity (ytd only) | 18.2522% | 494 |
| Net charge-offs to loans | 0.1553% | 446 |
| Credit loss provision to net charge-offs | 106.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 31.5333% | 1,281 |
| Efficiency ratio | 33.9385% | 4,571 |
| Assets per employee ($millions) | 7.1460% | 1,857 |
| Cash dividends to net income (ytd only)* | 1.7241% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,336 |
| Loan loss allowance to noncurrent loans | 152.4715% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 1,029 |
| Noncurrent loans to loans | 0.6829% | 1,111 |
| Net loans and leases to total assets | 59.2600% | 2,742 |
| Net loans and leases to deposits | 68.4078% | 2,737 |
| Net loans and leases to core deposits | 70.1196% | 2,947 |
| Total domestic deposits to total assets | 86.6200% | 2,405 |
| Equity capital to assets | 12.0642% | 978 |
| Core capital (leverage) ratio | 11.9043% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7539% | 587 |
| Memoranda: | ||
| Average total assets | $64,560,000 | 4,259 |
| Average earning assets | $60,408,500 | 4,227 |
| Average equity | $7,495,000 | 4,063 |
| Average total loans | $38,630,000 | 4,094 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 1,132 |
| Cost of funding earning assets | 0.3805% | 2,254 |
| Net interest margin | 3.8821% | 999 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.8468% | 3,938 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6783% | 561 |
| Return on assets (ROA) | 1.6734% | 543 |
| Pretax return on assets | 2.3202% | 261 |
| Return on Equity (ROE) | 14.4700% | 1,414 |
| Retained earnings to average equity (ytd only) | 8.7278% | 1,560 |
| Net charge-offs to loans | 0.0838% | 828 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 50.6333% | 1,350 |
| Efficiency ratio | 43.7616% | 4,436 |
| Assets per employee ($millions) | 7.2007% | 1,824 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,189 |
| Loan loss allowance to noncurrent loans | 140.3509% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 938 |
| Noncurrent loans to loans | 0.7355% | 1,021 |
| Net loans and leases to total assets | 59.1800% | 2,710 |
| Net loans and leases to deposits | 71.9399% | 2,411 |
| Net loans and leases to core deposits | 73.3545% | 2,622 |
| Total domestic deposits to total assets | 82.2600% | 3,575 |
| Equity capital to assets | 11.1579% | 1,198 |
| Core capital (leverage) ratio | 10.9505% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4546% | 674 |
| Memoranda: | ||
| Average total assets | $64,002,000 | 4,293 |
| Average earning assets | $59,915,800 | 4,260 |
| Average equity | $7,401,600 | 4,163 |
| Average total loans | $35,816,800 | 4,141 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 1,039 |
| Cost of funding earning assets | 0.3551% | 1,662 |
| Net interest margin | 3.7611% | 1,017 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.7554% | 4,067 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7077% | 521 |
| Return on assets (ROA) | 1.7011% | 519 |
| Pretax return on assets | 2.3489% | 258 |
| Return on Equity (ROE) | 14.5800% | 1,267 |
| Retained earnings to average equity (ytd only) | 10.6746% | 1,144 |
| Net charge-offs to loans | 0.0152% | 1,561 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 283.0000% | 493 |
| Efficiency ratio | 42.5963% | 4,508 |
| Assets per employee ($millions) | 7.1277% | 1,857 |
| Cash dividends to net income (ytd only)* | 26.7813% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,018 |
| Loan loss allowance to noncurrent loans | 131.5789% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 934 |
| Noncurrent loans to loans | 0.8361% | 938 |
| Net loans and leases to total assets | 56.0600% | 2,895 |
| Net loans and leases to deposits | 63.1269% | 2,935 |
| Net loans and leases to core deposits | 64.8050% | 3,049 |
| Total domestic deposits to total assets | 88.8000% | 2,163 |
| Equity capital to assets | 11.0197% | 1,169 |
| Core capital (leverage) ratio | 11.2519% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5572% | 596 |
| Memoranda: | ||
| Average total assets | $63,801,000 | 4,332 |
| Average earning assets | $59,697,750 | 4,302 |
| Average equity | $7,444,250 | 4,196 |
| Average total loans | $35,083,750 | 4,174 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 1,067 |
| Cost of funding earning assets | 0.3614% | 1,183 |
| Net interest margin | 3.5639% | 1,149 |
| Noninterest income to average assets | 0.5841% | 1,808 |
| Noninterest expense to average assets | 1.7963% | 3,960 |
| Loan and lease loss provision to assets | 0.0094% | 2,423 |
| Net operating income to assets | 1.5268% | 660 |
| Return on assets (ROA) | 1.5168% | 660 |
| Pretax return on assets | 2.1104% | 288 |
| Return on Equity (ROE) | 12.7620% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.8027% | 1,071 |
| Net charge-offs to loans | 0.0173% | 1,399 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 226.3333% | 502 |
| Efficiency ratio | 45.7234% | 4,464 |
| Assets per employee ($millions) | 7.1202% | 1,865 |
| Cash dividends to net income (ytd only)* | 23.1884% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,950 |
| Loan loss allowance to noncurrent loans | 246.9136% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 1,607 |
| Noncurrent loans to loans | 0.4641% | 1,720 |
| Net loans and leases to total assets | 53.8482% | 2,977 |
| Net loans and leases to deposits | 60.9201% | 2,980 |
| Net loans and leases to core deposits | 62.5376% | 3,072 |
| Total domestic deposits to total assets | 88.3914% | 2,427 |
| Equity capital to assets | 11.4447% | 1,046 |
| Core capital (leverage) ratio | 10.4818% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9851% | 535 |
| Memoranda: | ||
| Average total assets | $63,685,000 | 4,374 |
| Average earning assets | $59,766,667 | 4,356 |
| Average equity | $7,569,333 | 4,250 |
| Average total loans | $34,658,667 | 4,236 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 1,253 |
| Cost of funding earning assets | 0.3556% | 1,162 |
| Net interest margin | 3.3543% | 1,426 |
| Noninterest income to average assets | 0.4977% | 2,147 |
| Noninterest expense to average assets | 1.7453% | 4,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4113% | 774 |
| Return on assets (ROA) | 1.4113% | 770 |
| Pretax return on assets | 1.9028% | 445 |
| Return on Equity (ROE) | 11.6560% | 1,411 |
| Retained earnings to average equity (ytd only) | 11.3438% | 716 |
| Net charge-offs to loans | 0.0116% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 302.0000% | 318 |
| Efficiency ratio | 47.8411% | 4,411 |
| Assets per employee ($millions) | 7.3552% | 1,768 |
| Cash dividends to net income (ytd only)* | 2.6786% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,951 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 2,231 |
| Noncurrent loans to loans | 0.2813% | 2,462 |
| Net loans and leases to total assets | 50.4132% | 3,131 |
| Net loans and leases to deposits | 57.0462% | 3,170 |
| Net loans and leases to core deposits | 58.5114% | 3,271 |
| Total domestic deposits to total assets | 88.3726% | 2,344 |
| Equity capital to assets | 11.4461% | 1,143 |
| Core capital (leverage) ratio | 10.1205% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3688% | 530 |
| Memoranda: | ||
| Average total assets | $63,486,500 | 4,399 |
| Average earning assets | $59,625,000 | 4,384 |
| Average equity | $7,687,000 | 4,295 |
| Average total loans | $34,534,500 | 4,255 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 782 |
| Cost of funding earning assets | 0.3914% | 1,604 |
| Net interest margin | 3.9589% | 773 |
| Noninterest income to average assets | 0.5240% | 2,469 |
| Noninterest expense to average assets | 1.8088% | 4,132 |
| Loan and lease loss provision to assets | 0.1099% | 1,146 |
| Net operating income to assets | 1.7683% | 546 |
| Return on assets (ROA) | 1.7749% | 561 |
| Pretax return on assets | 2.3243% | 333 |
| Return on Equity (ROE) | 13.7122% | 1,262 |
| Retained earnings to average equity (ytd only) | 8.1620% | 1,472 |
| Net charge-offs to loans | 0.1585% | 605 |
| Credit loss provision to net charge-offs | 118.1818% | 1,659 |
| Earnings coverage of net charge-offs (x) | 26.0909% | 1,707 |
| Efficiency ratio | 42.7146% | 4,616 |
| Assets per employee ($millions) | 6.7529% | 2,104 |
| Cash dividends to net income (ytd only)* | 40.4762% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,213 |
| Loan loss allowance to noncurrent loans | 228.5714% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 1,675 |
| Noncurrent loans to loans | 0.4958% | 1,885 |
| Net loans and leases to total assets | 57.4207% | 2,434 |
| Net loans and leases to deposits | 65.9099% | 2,527 |
| Net loans and leases to core deposits | 68.1908% | 2,631 |
| Total domestic deposits to total assets | 87.1199% | 2,464 |
| Equity capital to assets | 12.8291% | 953 |
| Core capital (leverage) ratio | 10.6632% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1293% | 638 |
| Memoranda: | ||
| Average total assets | $59,156,800 | 4,465 |
| Average earning assets | $55,445,000 | 4,447 |
| Average equity | $7,657,400 | 4,359 |
| Average total loans | $34,696,600 | 4,294 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 761 |
| Cost of funding earning assets | 0.3971% | 1,714 |
| Net interest margin | 4.0410% | 728 |
| Noninterest income to average assets | 0.5356% | 2,475 |
| Noninterest expense to average assets | 1.7973% | 4,178 |
| Loan and lease loss provision to assets | 0.0562% | 1,862 |
| Net operating income to assets | 1.9096% | 547 |
| Return on assets (ROA) | 1.9222% | 556 |
| Pretax return on assets | 2.4850% | 344 |
| Return on Equity (ROE) | 14.8154% | 1,183 |
| Retained earnings to average equity (ytd only) | 11.0022% | 1,064 |
| Net charge-offs to loans | 0.0039% | 2,210 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 1,113.0000% | 148 |
| Efficiency ratio | 41.5748% | 4,673 |
| Assets per employee ($millions) | 7.3846% | 1,632 |
| Cash dividends to net income (ytd only)* | 25.7379% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 3,004 |
| Loan loss allowance to noncurrent loans | 267.0968% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 2,183 |
| Noncurrent loans to loans | 0.4481% | 2,216 |
| Net loans and leases to total assets | 57.8567% | 2,512 |
| Net loans and leases to deposits | 66.8989% | 2,552 |
| Net loans and leases to core deposits | 68.8516% | 2,700 |
| Total domestic deposits to total assets | 86.4837% | 2,563 |
| Equity capital to assets | 13.3318% | 894 |
| Core capital (leverage) ratio | 10.9090% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4302% | 647 |
| Memoranda: | ||
| Average total assets | $58,752,000 | 4,525 |
| Average earning assets | $55,067,250 | 4,504 |
| Average equity | $7,622,500 | 4,430 |
| Average total loans | $34,546,250 | 4,347 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 591 |
| Cost of funding earning assets | 0.3966% | 1,909 |
| Net interest margin | 4.2386% | 544 |
| Noninterest income to average assets | 0.5593% | 2,376 |
| Noninterest expense to average assets | 1.7734% | 4,239 |
| Loan and lease loss provision to assets | 0.0853% | 1,438 |
| Net operating income to assets | 2.1229% | 388 |
| Return on assets (ROA) | 2.1417% | 393 |
| Pretax return on assets | 2.6976% | 259 |
| Return on Equity (ROE) | 16.6622% | 833 |
| Retained earnings to average equity (ytd only) | 13.8498% | 570 |
| Net charge-offs to loans | 0.0695% | 934 |
| Credit loss provision to net charge-offs | 208.3333% | 1,035 |
| Earnings coverage of net charge-offs (x) | 67.4167% | 918 |
| Efficiency ratio | 39.1272% | 4,771 |
| Assets per employee ($millions) | 6.6931% | 2,024 |
| Cash dividends to net income (ytd only)* | 16.8790% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 3,037 |
| Loan loss allowance to noncurrent loans | 510.1266% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 3,037 |
| Noncurrent loans to loans | 0.2319% | 3,123 |
| Net loans and leases to total assets | 55.8900% | 2,910 |
| Net loans and leases to deposits | 64.2856% | 2,969 |
| Net loans and leases to core deposits | 66.4988% | 3,076 |
| Total domestic deposits to total assets | 86.9401% | 2,358 |
| Equity capital to assets | 12.9022% | 976 |
| Core capital (leverage) ratio | 10.5128% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7118% | 732 |
| Memoranda: | ||
| Average total assets | $58,643,667 | 4,555 |
| Average earning assets | $54,970,333 | 4,535 |
| Average equity | $7,538,000 | 4,462 |
| Average total loans | $34,530,333 | 4,386 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 582 |
| Cost of funding earning assets | 0.3988% | 2,107 |
| Net interest margin | 4.2912% | 524 |
| Noninterest income to average assets | 0.5601% | 2,371 |
| Noninterest expense to average assets | 1.8808% | 4,029 |
| Loan and lease loss provision to assets | 0.1729% | 714 |
| Net operating income to assets | 2.1869% | 429 |
| Return on assets (ROA) | 2.1989% | 457 |
| Pretax return on assets | 2.5378% | 409 |
| Return on Equity (ROE) | 17.1405% | 828 |
| Retained earnings to average equity (ytd only) | 16.8171% | 439 |
| Net charge-offs to loans | 0.1726% | 458 |
| Credit loss provision to net charge-offs | 166.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,147 |
| Efficiency ratio | 41.0876% | 4,708 |
| Assets per employee ($millions) | 6.7622% | 1,968 |
| Cash dividends to net income (ytd only)* | 1.8868% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,204 |
| Loan loss allowance to noncurrent loans | 1,052.6316% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,592 |
| Noncurrent loans to loans | 0.1090% | 3,764 |
| Net loans and leases to total assets | 56.6431% | 2,966 |
| Net loans and leases to deposits | 64.7417% | 3,054 |
| Net loans and leases to core deposits | 67.1687% | 3,142 |
| Total domestic deposits to total assets | 87.4910% | 2,093 |
| Equity capital to assets | 12.4121% | 1,114 |
| Core capital (leverage) ratio | 10.4618% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6242% | 617 |
| Memoranda: | ||
| Average total assets | $57,846,500 | 4,582 |
| Average earning assets | $54,157,500 | 4,560 |
| Average equity | $7,421,000 | 4,490 |
| Average total loans | $34,760,500 | 4,405 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 469 |
| Cost of funding earning assets | 0.4675% | 3,168 |
| Net interest margin | 4.5493% | 296 |
| Noninterest income to average assets | 0.5225% | 2,535 |
| Noninterest expense to average assets | 2.2660% | 3,500 |
| Loan and lease loss provision to assets | 0.0987% | 3,101 |
| Net operating income to assets | 1.9132% | 309 |
| Return on assets (ROA) | 1.9351% | 321 |
| Pretax return on assets | 2.4034% | 215 |
| Return on Equity (ROE) | 14.1559% | 774 |
| Retained earnings to average equity (ytd only) | 8.1396% | 1,012 |
| Net charge-offs to loans | 0.1347% | 1,198 |
| Credit loss provision to net charge-offs | 106.2500% | 2,760 |
| Earnings coverage of net charge-offs (x) | 26.6458% | 1,710 |
| Efficiency ratio | 47.7959% | 4,640 |
| Assets per employee ($millions) | 6.0926% | 2,258 |
| Cash dividends to net income (ytd only)* | 42.5000% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,330 |
| Loan loss allowance to noncurrent loans | 233.5329% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 2,526 |
| Noncurrent loans to loans | 0.4820% | 2,525 |
| Net loans and leases to total assets | 62.4770% | 2,540 |
| Net loans and leases to deposits | 72.1570% | 2,669 |
| Net loans and leases to core deposits | 75.1915% | 2,801 |
| Total domestic deposits to total assets | 86.5847% | 2,117 |
| Equity capital to assets | 13.2913% | 1,002 |
| Core capital (leverage) ratio | 10.7201% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3364% | 857 |
| Memoranda: | ||
| Average total assets | $51,676,200 | 4,629 |
| Average earning assets | $47,919,400 | 4,613 |
| Average equity | $7,064,200 | 4,518 |
| Average total loans | $35,645,000 | 4,394 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 458 |
| Cost of funding earning assets | 0.4842% | 3,331 |
| Net interest margin | 4.6611% | 281 |
| Noninterest income to average assets | 0.5738% | 2,281 |
| Noninterest expense to average assets | 2.3083% | 3,403 |
| Loan and lease loss provision to assets | 0.1022% | 3,042 |
| Net operating income to assets | 1.9834% | 309 |
| Return on assets (ROA) | 2.0149% | 317 |
| Pretax return on assets | 2.5153% | 205 |
| Return on Equity (ROE) | 14.6300% | 759 |
| Retained earnings to average equity (ytd only) | 10.4826% | 675 |
| Net charge-offs to loans | 0.1597% | 926 |
| Credit loss provision to net charge-offs | 90.6977% | 2,694 |
| Earnings coverage of net charge-offs (x) | 22.8837% | 1,821 |
| Efficiency ratio | 47.2386% | 4,650 |
| Assets per employee ($millions) | 5.9026% | 2,346 |
| Cash dividends to net income (ytd only)* | 28.3485% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,233 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 2,223 |
| Noncurrent loans to loans | 0.6388% | 2,196 |
| Net loans and leases to total assets | 67.3230% | 2,345 |
| Net loans and leases to deposits | 78.2565% | 2,509 |
| Net loans and leases to core deposits | 81.6921% | 2,683 |
| Total domestic deposits to total assets | 86.0287% | 2,055 |
| Equity capital to assets | 13.7248% | 935 |
| Core capital (leverage) ratio | 11.1503% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1801% | 884 |
| Memoranda: | ||
| Average total assets | $50,887,000 | 4,659 |
| Average earning assets | $47,083,500 | 4,652 |
| Average equity | $7,008,250 | 4,540 |
| Average total loans | $35,894,250 | 4,417 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 498 |
| Cost of funding earning assets | 0.4965% | 3,556 |
| Net interest margin | 4.7834% | 293 |
| Noninterest income to average assets | 0.5903% | 2,167 |
| Noninterest expense to average assets | 2.0741% | 4,088 |
| Loan and lease loss provision to assets | 0.0439% | 3,739 |
| Net operating income to assets | 2.0817% | 278 |
| Return on assets (ROA) | 2.1100% | 287 |
| Pretax return on assets | 2.9277% | 127 |
| Return on Equity (ROE) | 15.3023% | 670 |
| Retained earnings to average equity (ytd only) | 12.0625% | 455 |
| Net charge-offs to loans | 0.0503% | 1,766 |
| Credit loss provision to net charge-offs | 122.2222% | 2,269 |
| Earnings coverage of net charge-offs (x) | 81.7778% | 794 |
| Efficiency ratio | 41.4013% | 4,876 |
| Assets per employee ($millions) | 5.7639% | 2,403 |
| Cash dividends to net income (ytd only)* | 21.1720% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 2,970 |
| Loan loss allowance to noncurrent loans | 232.3699% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 2,712 |
| Noncurrent loans to loans | 0.4798% | 2,710 |
| Net loans and leases to total assets | 68.7248% | 2,230 |
| Net loans and leases to deposits | 79.9153% | 2,435 |
| Net loans and leases to core deposits | 82.9189% | 2,704 |
| Total domestic deposits to total assets | 85.9971% | 2,009 |
| Equity capital to assets | 13.8082% | 897 |
| Core capital (leverage) ratio | 10.9592% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4022% | 994 |
| Memoranda: | ||
| Average total assets | $50,141,667 | 4,688 |
| Average earning assets | $46,326,667 | 4,684 |
| Average equity | $6,914,000 | 4,579 |
| Average total loans | $35,805,667 | 4,433 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 656 |
| Cost of funding earning assets | 0.5283% | 3,805 |
| Net interest margin | 4.6755% | 352 |
| Noninterest income to average assets | 0.6088% | 2,005 |
| Noninterest expense to average assets | 2.0863% | 4,243 |
| Loan and lease loss provision to assets | 0.0081% | 3,658 |
| Net operating income to assets | 2.0349% | 256 |
| Return on assets (ROA) | 2.0863% | 254 |
| Pretax return on assets | 2.8899% | 104 |
| Return on Equity (ROE) | 15.1410% | 532 |
| Retained earnings to average equity (ytd only) | 14.7875% | 206 |
| Net charge-offs to loans | 0.0112% | 2,183 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 349.0000% | 201 |
| Efficiency ratio | 42.4092% | 4,929 |
| Assets per employee ($millions) | 6.2314% | 1,498 |
| Cash dividends to net income (ytd only)* | 2.3346% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,012 |
| Loan loss allowance to noncurrent loans | 191.3876% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 2,546 |
| Noncurrent loans to loans | 0.5935% | 2,521 |
| Net loans and leases to total assets | 69.8381% | 2,276 |
| Net loans and leases to deposits | 81.0782% | 2,573 |
| Net loans and leases to core deposits | 84.2427% | 2,831 |
| Total domestic deposits to total assets | 86.1367% | 1,952 |
| Equity capital to assets | 13.7811% | 1,129 |
| Core capital (leverage) ratio | 11.1611% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7134% | 1,027 |
| Memoranda: | ||
| Average total assets | $49,275,000 | 4,720 |
| Average earning assets | $45,428,500 | 4,714 |
| Average equity | $6,789,500 | 4,623 |
| Average total loans | $35,682,000 | 4,461 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5934% | 481 |
| Cost of funding earning assets | 0.5448% | 3,901 |
| Net interest margin | 5.0486% | 241 |
| Noninterest income to average assets | 0.6071% | 2,184 |
| Noninterest expense to average assets | 2.1875% | 4,184 |
| Loan and lease loss provision to assets | 0.1884% | 1,090 |
| Net operating income to assets | 2.0616% | 299 |
| Return on assets (ROA) | 2.0682% | 306 |
| Pretax return on assets | 2.8951% | 106 |
| Return on Equity (ROE) | 15.3588% | 625 |
| Retained earnings to average equity (ytd only) | 8.4411% | 843 |
| Net charge-offs to loans | 0.1933% | 1,049 |
| Credit loss provision to net charge-offs | 128.5714% | 1,985 |
| Earnings coverage of net charge-offs (x) | 20.9857% | 1,907 |
| Efficiency ratio | 41.5672% | 5,034 |
| Assets per employee ($millions) | 6.0874% | 1,568 |
| Cash dividends to net income (ytd only)* | 45.0405% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 2,914 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,070 |
| Noncurrent loans to loans | 0.6639% | 2,228 |
| Net loans and leases to total assets | 73.4081% | 1,855 |
| Net loans and leases to deposits | 85.2527% | 2,182 |
| Net loans and leases to core deposits | 88.6478% | 2,549 |
| Total domestic deposits to total assets | 86.1065% | 2,029 |
| Equity capital to assets | 13.7765% | 1,178 |
| Core capital (leverage) ratio | 10.7879% | 2,687 |
| Tier 1 risk-based capital ratio | 16.2681% | 2,307 |
| Total risk-based capital ratio | 17.5156% | 2,253 |
| Memoranda: | ||
| Average total assets | $47,771,000 | 4,788 |
| Average earning assets | $44,052,200 | 4,782 |
| Average equity | $6,432,800 | 4,704 |
| Average total loans | $36,217,800 | 4,497 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 545 |
| Cost of funding earning assets | 0.5440% | 3,969 |
| Net interest margin | 5.0020% | 290 |
| Noninterest income to average assets | 0.6170% | 2,119 |
| Noninterest expense to average assets | 2.1596% | 4,256 |
| Loan and lease loss provision to assets | 0.2524% | 641 |
| Net operating income to assets | 1.9976% | 398 |
| Return on assets (ROA) | 2.0109% | 403 |
| Pretax return on assets | 2.8383% | 140 |
| Return on Equity (ROE) | 15.0223% | 772 |
| Retained earnings to average equity (ytd only) | 10.0357% | 739 |
| Net charge-offs to loans | 0.2281% | 774 |
| Credit loss provision to net charge-offs | 145.1613% | 1,673 |
| Earnings coverage of net charge-offs (x) | 17.6784% | 2,081 |
| Efficiency ratio | 41.2647% | 5,095 |
| Assets per employee ($millions) | 5.3971% | 2,124 |
| Cash dividends to net income (ytd only)* | 33.1942% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,916 |
| Loan loss allowance to noncurrent loans | 658.0645% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 3,747 |
| Noncurrent loans to loans | 0.1706% | 3,927 |
| Net loans and leases to total assets | 73.9634% | 1,828 |
| Net loans and leases to deposits | 85.9600% | 2,191 |
| Net loans and leases to core deposits | 89.3862% | 2,598 |
| Total domestic deposits to total assets | 86.0440% | 1,981 |
| Equity capital to assets | 13.6802% | 1,279 |
| Core capital (leverage) ratio | 11.1453% | 2,518 |
| Tier 1 risk-based capital ratio | 15.9749% | 2,436 |
| Total risk-based capital ratio | 17.2251% | 2,380 |
| Memoranda: | ||
| Average total assets | $47,539,000 | 4,856 |
| Average earning assets | $43,874,500 | 4,859 |
| Average equity | $6,363,750 | 4,775 |
| Average total loans | $36,235,000 | 4,555 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 509 |
| Cost of funding earning assets | 0.5513% | 3,872 |
| Net interest margin | 5.0074% | 287 |
| Noninterest income to average assets | 0.6018% | 2,143 |
| Noninterest expense to average assets | 2.1104% | 4,401 |
| Loan and lease loss provision to assets | 0.3814% | 325 |
| Net operating income to assets | 1.9398% | 434 |
| Return on assets (ROA) | 1.9197% | 476 |
| Pretax return on assets | 2.7037% | 180 |
| Return on Equity (ROE) | 14.4498% | 883 |
| Retained earnings to average equity (ytd only) | 8.6443% | 1,149 |
| Net charge-offs to loans | 0.3757% | 442 |
| Credit loss provision to net charge-offs | 132.3529% | 1,643 |
| Earnings coverage of net charge-offs (x) | 10.7941% | 2,239 |
| Efficiency ratio | 40.4221% | 5,152 |
| Assets per employee ($millions) | 5.1597% | 2,294 |
| Cash dividends to net income (ytd only)* | 40.1766% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,949 |
| Loan loss allowance to noncurrent loans | 618.4615% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 3,915 |
| Noncurrent loans to loans | 0.1813% | 3,910 |
| Net loans and leases to total assets | 76.3206% | 1,505 |
| Net loans and leases to deposits | 88.8892% | 1,877 |
| Net loans and leases to core deposits | 91.5221% | 2,461 |
| Total domestic deposits to total assets | 85.8604% | 2,108 |
| Equity capital to assets | 13.8467% | 1,187 |
| Core capital (leverage) ratio | 10.7899% | 2,796 |
| Tier 1 risk-based capital ratio | 15.7206% | 2,539 |
| Total risk-based capital ratio | 16.9738% | 2,475 |
| Memoranda: | ||
| Average total assets | $47,194,000 | 4,906 |
| Average earning assets | $43,535,670 | 4,903 |
| Average equity | $6,270,000 | 4,816 |
| Average total loans | $36,201,670 | 4,587 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 519 |
| Cost of funding earning assets | 0.5481% | 3,830 |
| Net interest margin | 4.9605% | 303 |
| Noninterest income to average assets | 0.5802% | 2,140 |
| Noninterest expense to average assets | 2.0768% | 4,503 |
| Loan and lease loss provision to assets | 0.3531% | 335 |
| Net operating income to assets | 1.8330% | 527 |
| Return on assets (ROA) | 1.8330% | 541 |
| Pretax return on assets | 2.7159% | 178 |
| Return on Equity (ROE) | 14.0872% | 949 |
| Retained earnings to average equity (ytd only) | 9.1761% | 1,251 |
| Net charge-offs to loans | 0.2309% | 622 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 17.3810% | 1,661 |
| Efficiency ratio | 40.3595% | 5,207 |
| Assets per employee ($millions) | 5.2903% | 2,185 |
| Cash dividends to net income (ytd only)* | 34.8624% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 2,976 |
| Loan loss allowance to noncurrent loans | 160.4000% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 2,429 |
| Noncurrent loans to loans | 0.7035% | 2,264 |
| Net loans and leases to total assets | 73.7908% | 1,845 |
| Net loans and leases to deposits | 85.3243% | 2,212 |
| Net loans and leases to core deposits | 87.7626% | 2,713 |
| Total domestic deposits to total assets | 86.4827% | 2,077 |
| Equity capital to assets | 13.1897% | 1,353 |
| Core capital (leverage) ratio | 10.0465% | 3,552 |
| Tier 1 risk-based capital ratio | 15.4653% | 2,667 |
| Total risk-based capital ratio | 16.7152% | 2,581 |
| Memoranda: | ||
| Average total assets | $47,572,500 | 4,944 |
| Average earning assets | $43,786,000 | 4,949 |
| Average equity | $6,190,000 | 4,867 |
| Average total loans | $36,381,000 | 4,632 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 352 |
| Cost of funding earning assets | 0.4687% | 3,558 |
| Net interest margin | 5.0924% | 225 |
| Noninterest income to average assets | 0.6915% | 1,880 |
| Noninterest expense to average assets | 2.2753% | 4,175 |
| Loan and lease loss provision to assets | 0.2809% | 589 |
| Net operating income to assets | 2.1957% | 254 |
| Return on assets (ROA) | 2.1889% | 249 |
| Pretax return on assets | 2.8458% | 115 |
| Return on Equity (ROE) | 16.8189% | 514 |
| Retained earnings to average equity (ytd only) | 4.2836% | 3,189 |
| Net charge-offs to loans | 0.0691% | 2,129 |
| Credit loss provision to net charge-offs | 520.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 58.0400% | 1,041 |
| Efficiency ratio | 42.0527% | 5,239 |
| Assets per employee ($millions) | 5.2813% | 2,172 |
| Cash dividends to net income (ytd only)* | 74.5311% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,552 |
| Loan loss allowance to noncurrent loans | 201.0582% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 2,853 |
| Noncurrent loans to loans | 0.5077% | 2,751 |
| Net loans and leases to total assets | 77.5204% | 1,351 |
| Net loans and leases to deposits | 89.0110% | 1,925 |
| Net loans and leases to core deposits | 93.2623% | 2,292 |
| Total domestic deposits to total assets | 87.0908% | 1,744 |
| Equity capital to assets | 12.8335% | 1,422 |
| Core capital (leverage) ratio | 10.1098% | 3,450 |
| Tier 1 risk-based capital ratio | 14.3118% | 3,164 |
| Total risk-based capital ratio | 15.4856% | 3,114 |
| Memoranda: | ||
| Average total assets | $46,279,400 | 5,010 |
| Average earning assets | $42,887,200 | 4,994 |
| Average equity | $6,023,000 | 4,894 |
| Average total loans | $36,178,400 | 4,654 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5014% | 359 |
| Cost of funding earning assets | 0.4462% | 3,550 |
| Net interest margin | 5.0552% | 235 |
| Noninterest income to average assets | 0.7222% | 1,787 |
| Noninterest expense to average assets | 2.2393% | 4,239 |
| Loan and lease loss provision to assets | 0.2611% | 590 |
| Net operating income to assets | 2.3035% | 224 |
| Return on assets (ROA) | 2.2944% | 227 |
| Pretax return on assets | 2.9093% | 122 |
| Return on Equity (ROE) | 17.5664% | 475 |
| Retained earnings to average equity (ytd only) | 6.9510% | 2,150 |
| Net charge-offs to loans | 0.0148% | 2,889 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 274.4146% | 338 |
| Efficiency ratio | 41.3055% | 5,295 |
| Assets per employee ($millions) | 5.2287% | 2,197 |
| Cash dividends to net income (ytd only)* | 60.4301% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,933 |
| Loan loss allowance to noncurrent loans | 187.0466% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,921 |
| Noncurrent loans to loans | 0.5197% | 2,828 |
| Net loans and leases to total assets | 78.1461% | 1,325 |
| Net loans and leases to deposits | 90.1633% | 1,873 |
| Net loans and leases to core deposits | 95.8855% | 2,125 |
| Total domestic deposits to total assets | 86.6718% | 1,880 |
| Equity capital to assets | 13.0222% | 1,327 |
| Core capital (leverage) ratio | 10.4544% | 3,126 |
| Tier 1 risk-based capital ratio | 14.4680% | 3,142 |
| Total risk-based capital ratio | 15.5836% | 3,118 |
| Memoranda: | ||
| Average total assets | $45,966,250 | 5,074 |
| Average earning assets | $42,727,250 | 5,056 |
| Average equity | $6,003,750 | 4,947 |
| Average total loans | $35,916,250 | 4,709 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 385 |
| Cost of funding earning assets | 0.4149% | 3,604 |
| Net interest margin | 4.9880% | 250 |
| Noninterest income to average assets | 0.6666% | 2,020 |
| Noninterest expense to average assets | 2.3771% | 3,958 |
| Loan and lease loss provision to assets | 0.2631% | 580 |
| Net operating income to assets | 2.0971% | 314 |
| Return on assets (ROA) | 2.0832% | 316 |
| Pretax return on assets | 2.6490% | 170 |
| Return on Equity (ROE) | 15.9334% | 689 |
| Retained earnings to average equity (ytd only) | 5.8031% | 2,663 |
| Net charge-offs to loans | 0.0338% | 2,172 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 647 |
| Efficiency ratio | 44.7934% | 5,259 |
| Assets per employee ($millions) | 5.0278% | 2,382 |
| Cash dividends to net income (ytd only)* | 63.5789% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,216 |
| Loan loss allowance to noncurrent loans | 169.5876% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 2,661 |
| Noncurrent loans to loans | 0.5463% | 2,784 |
| Net loans and leases to total assets | 77.7547% | 1,356 |
| Net loans and leases to deposits | 90.7085% | 1,746 |
| Net loans and leases to core deposits | 93.8015% | 2,238 |
| Total domestic deposits to total assets | 85.7193% | 2,404 |
| Equity capital to assets | 13.2619% | 1,201 |
| Core capital (leverage) ratio | 10.3861% | 3,153 |
| Tier 1 risk-based capital ratio | 14.7454% | 2,996 |
| Total risk-based capital ratio | 15.8137% | 3,006 |
| Memoranda: | ||
| Average total assets | $45,602,330 | 5,137 |
| Average earning assets | $42,421,670 | 5,119 |
| Average equity | $5,962,330 | 5,011 |
| Average total loans | $35,510,000 | 4,764 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 358 |
| Cost of funding earning assets | 0.3948% | 3,627 |
| Net interest margin | 4.9730% | 239 |
| Noninterest income to average assets | 0.6029% | 2,244 |
| Noninterest expense to average assets | 2.3242% | 4,133 |
| Loan and lease loss provision to assets | 0.2621% | 541 |
| Net operating income to assets | 2.2893% | 209 |
| Return on assets (ROA) | 2.2893% | 209 |
| Pretax return on assets | 2.6388% | 174 |
| Return on Equity (ROE) | 17.6342% | 447 |
| Retained earnings to average equity (ytd only) | 12.5189% | 596 |
| Net charge-offs to loans | 0.0676% | 1,433 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 885 |
| Efficiency ratio | 44.4816% | 5,335 |
| Assets per employee ($millions) | 5.1266% | 2,329 |
| Cash dividends to net income (ytd only)* | 29.0076% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 4,638 |
| Loan loss allowance to noncurrent loans | 184.5679% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,066 |
| Noncurrent loans to loans | 0.4605% | 3,152 |
| Net loans and leases to total assets | 75.5998% | 1,605 |
| Net loans and leases to deposits | 87.2636% | 2,021 |
| Net loans and leases to core deposits | 91.1922% | 2,358 |
| Total domestic deposits to total assets | 86.6339% | 2,262 |
| Equity capital to assets | 13.0432% | 1,222 |
| Core capital (leverage) ratio | 10.2785% | 3,209 |
| Tier 1 risk-based capital ratio | 14.8111% | 2,972 |
| Total risk-based capital ratio | 15.7833% | 3,009 |
| Memoranda: | ||
| Average total assets | $45,778,500 | 5,193 |
| Average earning assets | $42,550,000 | 5,173 |
| Average equity | $5,943,000 | 5,065 |
| Average total loans | $35,508,500 | 4,813 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4558% | 284 |
| Cost of funding earning assets | 0.3735% | 3,480 |
| Net interest margin | 5.0823% | 203 |
| Noninterest income to average assets | 0.6935% | 1,993 |
| Noninterest expense to average assets | 2.3101% | 4,299 |
| Loan and lease loss provision to assets | 0.2600% | 708 |
| Net operating income to assets | 1.6231% | 624 |
| Return on assets (ROA) | 1.6231% | 641 |
| Pretax return on assets | 2.7825% | 117 |
| Return on Equity (ROE) | 12.7838% | 1,002 |
| Retained earnings to average equity (ytd only) | 2.4748% | 3,848 |
| Net charge-offs to loans | 0.1962% | 1,301 |
| Credit loss provision to net charge-offs | 173.9130% | 1,557 |
| Earnings coverage of net charge-offs (x) | 20.3478% | 1,969 |
| Efficiency ratio | 43.1579% | 5,474 |
| Assets per employee ($millions) | 5.0464% | 2,423 |
| Cash dividends to net income (ytd only)* | 80.6409% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 4,913 |
| Loan loss allowance to noncurrent loans | 436.5079% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 3,964 |
| Noncurrent loans to loans | 0.1758% | 4,214 |
| Net loans and leases to total assets | 78.2994% | 1,250 |
| Net loans and leases to deposits | 93.5202% | 1,328 |
| Net loans and leases to core deposits | 95.3405% | 2,087 |
| Total domestic deposits to total assets | 83.7245% | 3,304 |
| Equity capital to assets | 12.9200% | 1,304 |
| Core capital (leverage) ratio | 9.6410% | 3,879 |
| Tier 1 risk-based capital ratio | 14.0072% | 3,355 |
| Total risk-based capital ratio | 14.8889% | 3,467 |
| Memoranda: | ||
| Average total assets | $46,145,600 | 5,225 |
| Average earning assets | $42,303,800 | 5,226 |
| Average equity | $5,859,000 | 5,121 |
| Average total loans | $35,174,800 | 4,864 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 304 |
| Cost of funding earning assets | 0.3691% | 3,470 |
| Net interest margin | 5.0127% | 226 |
| Noninterest income to average assets | 0.7166% | 1,931 |
| Noninterest expense to average assets | 2.2304% | 4,465 |
| Loan and lease loss provision to assets | 0.2590% | 655 |
| Net operating income to assets | 1.6203% | 684 |
| Return on assets (ROA) | 1.6203% | 706 |
| Pretax return on assets | 2.8003% | 139 |
| Return on Equity (ROE) | 12.8168% | 1,096 |
| Retained earnings to average equity (ytd only) | 4.5074% | 3,221 |
| Net charge-offs to loans | 0.1523% | 1,332 |
| Credit loss provision to net charge-offs | 225.0000% | 1,235 |
| Earnings coverage of net charge-offs (x) | 26.5760% | 1,676 |
| Efficiency ratio | 42.1654% | 5,530 |
| Assets per employee ($millions) | 5.2204% | 2,204 |
| Cash dividends to net income (ytd only)* | 64.8305% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 4,979 |
| Loan loss allowance to noncurrent loans | 489.2857% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 4,228 |
| Noncurrent loans to loans | 0.1571% | 4,429 |
| Net loans and leases to total assets | 75.2809% | 1,714 |
| Net loans and leases to deposits | 86.6614% | 2,221 |
| Net loans and leases to core deposits | 90.4835% | 2,565 |
| Total domestic deposits to total assets | 86.8679% | 1,922 |
| Equity capital to assets | 12.6788% | 1,560 |
| Core capital (leverage) ratio | 9.9615% | 3,615 |
| Tier 1 risk-based capital ratio | 13.9486% | 3,468 |
| Total risk-based capital ratio | 14.8129% | 3,582 |
| Memoranda: | ||
| Average total assets | $46,327,500 | 5,284 |
| Average earning assets | $42,265,250 | 5,284 |
| Average equity | $5,856,750 | 5,179 |
| Average total loans | $35,009,250 | 4,916 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 301 |
| Cost of funding earning assets | 0.3679% | 3,404 |
| Net interest margin | 4.9828% | 224 |
| Noninterest income to average assets | 0.7808% | 1,643 |
| Noninterest expense to average assets | 2.2295% | 4,504 |
| Loan and lease loss provision to assets | 0.2169% | 817 |
| Net operating income to assets | 1.6656% | 606 |
| Return on assets (ROA) | 1.6656% | 627 |
| Pretax return on assets | 2.8585% | 130 |
| Return on Equity (ROE) | 13.1883% | 983 |
| Retained earnings to average equity (ytd only) | 4.5335% | 3,013 |
| Net charge-offs to loans | 0.0805% | 1,816 |
| Credit loss provision to net charge-offs | 357.1429% | 854 |
| Earnings coverage of net charge-offs (x) | 50.6429% | 1,064 |
| Efficiency ratio | 42.0278% | 5,574 |
| Assets per employee ($millions) | 5.1432% | 2,219 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 5,131 |
| Loan loss allowance to noncurrent loans | 440.6780% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 4,261 |
| Noncurrent loans to loans | 0.1659% | 4,449 |
| Net loans and leases to total assets | 76.2751% | 1,505 |
| Net loans and leases to deposits | 87.7716% | 2,015 |
| Net loans and leases to core deposits | 89.5004% | 2,574 |
| Total domestic deposits to total assets | 86.9019% | 1,986 |
| Equity capital to assets | 12.7460% | 1,498 |
| Core capital (leverage) ratio | 9.8269% | 3,746 |
| Tier 1 risk-based capital ratio | 13.8079% | 3,529 |
| Total risk-based capital ratio | 14.6322% | 3,674 |
| Memoranda: | ||
| Average total assets | $46,108,670 | 5,323 |
| Average earning assets | $41,863,670 | 5,328 |
| Average equity | $5,823,330 | 5,215 |
| Average total loans | $34,797,670 | 4,960 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 310 |
| Cost of funding earning assets | 0.3575% | 3,451 |
| Net interest margin | 4.9561% | 240 |
| Noninterest income to average assets | 0.8084% | 1,520 |
| Noninterest expense to average assets | 2.1991% | 4,649 |
| Loan and lease loss provision to assets | 0.0869% | 2,086 |
| Net operating income to assets | 1.7558% | 493 |
| Return on assets (ROA) | 1.7558% | 502 |
| Pretax return on assets | 2.9814% | 138 |
| Return on Equity (ROE) | 13.9672% | 814 |
| Retained earnings to average equity (ytd only) | 8.7122% | 1,184 |
| Net charge-offs to loans | 0.0116% | 2,586 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 170 |
| Efficiency ratio | 41.7492% | 5,656 |
| Assets per employee ($millions) | 5.2094% | 2,172 |
| Cash dividends to net income (ytd only)* | 37.6238% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 5,352 |
| Loan loss allowance to noncurrent loans | 3,883.3333% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,845 |
| Noncurrent loans to loans | 0.0175% | 5,161 |
| Net loans and leases to total assets | 72.7525% | 1,953 |
| Net loans and leases to deposits | 83.5558% | 2,334 |
| Net loans and leases to core deposits | 85.1069% | 2,802 |
| Total domestic deposits to total assets | 87.0705% | 2,181 |
| Equity capital to assets | 12.5029% | 1,529 |
| Core capital (leverage) ratio | 9.7547% | 3,807 |
| Tier 1 risk-based capital ratio | 14.0237% | 3,462 |
| Total risk-based capital ratio | 14.7748% | 3,671 |
| Memoranda: | ||
| Average total assets | $46,018,500 | 5,385 |
| Average earning assets | $41,403,500 | 5,397 |
| Average equity | $5,785,000 | 5,270 |
| Average total loans | $34,413,000 | 5,017 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 325 |
| Cost of funding earning assets | 0.3620% | 3,393 |
| Net interest margin | 4.9876% | 255 |
| Noninterest income to average assets | 0.7778% | 1,837 |
| Noninterest expense to average assets | 2.4443% | 4,177 |
| Loan and lease loss provision to assets | 0.3166% | 586 |
| Net operating income to assets | 1.6916% | 556 |
| Return on assets (ROA) | 1.6800% | 602 |
| Pretax return on assets | 2.6094% | 172 |
| Return on Equity (ROE) | 13.0539% | 980 |
| Retained earnings to average equity (ytd only) | 2.6881% | 3,991 |
| Net charge-offs to loans | 0.4309% | 595 |
| Credit loss provision to net charge-offs | 97.2222% | 2,659 |
| Earnings coverage of net charge-offs (x) | 9.0417% | 2,795 |
| Efficiency ratio | 45.3630% | 5,658 |
| Assets per employee ($millions) | 5.0169% | 2,373 |
| Cash dividends to net income (ytd only)* | 79.4078% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 5,449 |
| Loan loss allowance to noncurrent loans | 379.6610% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 3,795 |
| Noncurrent loans to loans | 0.1711% | 4,551 |
| Net loans and leases to total assets | 75.8748% | 1,532 |
| Net loans and leases to deposits | 90.0415% | 1,679 |
| Net loans and leases to core deposits | 91.8891% | 2,311 |
| Total domestic deposits to total assets | 84.2665% | 3,333 |
| Equity capital to assets | 12.6417% | 1,434 |
| Core capital (leverage) ratio | 9.5930% | 3,974 |
| Tier 1 risk-based capital ratio | 13.8419% | 3,553 |
| Total risk-based capital ratio | 14.5760% | 3,789 |
| Memoranda: | ||
| Average total assets | $44,225,200 | 5,462 |
| Average earning assets | $40,881,200 | 5,446 |
| Average equity | $5,691,800 | 5,332 |
| Average total loans | $33,417,800 | 5,088 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2865% | 375 |
| Cost of funding earning assets | 0.3566% | 3,470 |
| Net interest margin | 4.9300% | 290 |
| Noninterest income to average assets | 0.8334% | 1,632 |
| Noninterest expense to average assets | 2.4124% | 4,249 |
| Loan and lease loss provision to assets | 0.3788% | 399 |
| Net operating income to assets | 1.7000% | 590 |
| Return on assets (ROA) | 1.6941% | 637 |
| Pretax return on assets | 2.6003% | 191 |
| Return on Equity (ROE) | 13.1038% | 1,023 |
| Retained earnings to average equity (ytd only) | 2.3675% | 4,496 |
| Net charge-offs to loans | 0.5309% | 398 |
| Credit loss provision to net charge-offs | 94.6970% | 2,463 |
| Earnings coverage of net charge-offs (x) | 7.4695% | 2,871 |
| Efficiency ratio | 44.6689% | 5,725 |
| Assets per employee ($millions) | 5.0492% | 2,311 |
| Cash dividends to net income (ytd only)* | 81.9324% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 5,547 |
| Loan loss allowance to noncurrent loans | 70.8333% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 2,595 |
| Noncurrent loans to loans | 0.9043% | 2,439 |
| Net loans and leases to total assets | 75.4374% | 1,629 |
| Net loans and leases to deposits | 86.7193% | 2,183 |
| Net loans and leases to core deposits | 92.0073% | 2,377 |
| Total domestic deposits to total assets | 86.9903% | 1,903 |
| Equity capital to assets | 12.6312% | 1,685 |
| Core capital (leverage) ratio | 9.5821% | 4,080 |
| Tier 1 risk-based capital ratio | 13.7548% | 3,697 |
| Total risk-based capital ratio | 14.4836% | 3,926 |
| Memoranda: | ||
| Average total assets | $43,993,500 | 5,520 |
| Average earning assets | $40,756,500 | 5,504 |
| Average equity | $5,687,750 | 5,388 |
| Average total loans | $33,151,500 | 5,145 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 387 |
| Cost of funding earning assets | 0.3528% | 3,534 |
| Net interest margin | 4.9040% | 313 |
| Noninterest income to average assets | 0.8780% | 1,444 |
| Noninterest expense to average assets | 2.3397% | 4,500 |
| Loan and lease loss provision to assets | 0.4597% | 305 |
| Net operating income to assets | 1.7190% | 564 |
| Return on assets (ROA) | 1.7099% | 597 |
| Pretax return on assets | 2.6017% | 191 |
| Return on Equity (ROE) | 13.1209% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.1744% | 3,879 |
| Net charge-offs to loans | 0.6361% | 327 |
| Credit loss provision to net charge-offs | 96.1538% | 2,172 |
| Earnings coverage of net charge-offs (x) | 6.4327% | 2,742 |
| Efficiency ratio | 43.2088% | 5,832 |
| Assets per employee ($millions) | 4.8962% | 2,416 |
| Cash dividends to net income (ytd only)* | 75.8065% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 5,581 |
| Loan loss allowance to noncurrent loans | 379.6610% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,556 |
| Noncurrent loans to loans | 0.1755% | 4,731 |
| Net loans and leases to total assets | 75.7659% | 1,528 |
| Net loans and leases to deposits | 89.3680% | 1,825 |
| Net loans and leases to core deposits | 92.6439% | 2,292 |
| Total domestic deposits to total assets | 84.7796% | 2,972 |
| Equity capital to assets | 13.0350% | 1,481 |
| Core capital (leverage) ratio | 9.8681% | 3,723 |
| Tier 1 risk-based capital ratio | 14.0465% | 3,579 |
| Total risk-based capital ratio | 14.8028% | 3,780 |
| Memoranda: | ||
| Average total assets | $43,510,330 | 5,592 |
| Average earning assets | $40,252,670 | 5,582 |
| Average equity | $5,670,330 | 5,450 |
| Average total loans | $32,701,330 | 5,208 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 446 |
| Cost of funding earning assets | 0.3613% | 3,490 |
| Net interest margin | 4.7970% | 360 |
| Noninterest income to average assets | 0.8420% | 1,466 |
| Noninterest expense to average assets | 2.3223% | 4,601 |
| Loan and lease loss provision to assets | 0.8327% | 123 |
| Net operating income to assets | 1.3416% | 1,146 |
| Return on assets (ROA) | 1.3416% | 1,227 |
| Pretax return on assets | 2.1095% | 453 |
| Return on Equity (ROE) | 10.2956% | 1,853 |
| Retained earnings to average equity (ytd only) | 2.7691% | 4,135 |
| Net charge-offs to loans | 1.3025% | 141 |
| Credit loss provision to net charge-offs | 85.7143% | 1,799 |
| Earnings coverage of net charge-offs (x) | 3.0286% | 2,599 |
| Efficiency ratio | 44.1125% | 5,872 |
| Assets per employee ($millions) | 4.8162% | 2,557 |
| Cash dividends to net income (ytd only)* | 73.1034% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 5,655 |
| Loan loss allowance to noncurrent loans | 236.6667% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 4,335 |
| Noncurrent loans to loans | 0.2817% | 4,423 |
| Net loans and leases to total assets | 73.2178% | 1,848 |
| Net loans and leases to deposits | 84.6252% | 2,231 |
| Net loans and leases to core deposits | 88.5000% | 2,515 |
| Total domestic deposits to total assets | 86.5201% | 2,434 |
| Equity capital to assets | 13.0669% | 1,380 |
| Core capital (leverage) ratio | 9.8314% | 3,740 |
| Tier 1 risk-based capital ratio | 14.4932% | 3,399 |
| Total risk-based capital ratio | 15.2441% | 3,631 |
| Memoranda: | ||
| Average total assets | $43,232,500 | 5,653 |
| Average earning assets | $39,858,000 | 5,638 |
| Average equity | $5,633,500 | 5,489 |
| Average total loans | $32,246,500 | 5,263 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 312 |
| Cost of funding earning assets | 0.3603% | 3,579 |
| Net interest margin | 5.0542% | 227 |
| Noninterest income to average assets | 0.8016% | 1,785 |
| Noninterest expense to average assets | 2.4071% | 4,493 |
| Loan and lease loss provision to assets | 0.0477% | 3,374 |
| Net operating income to assets | 1.8541% | 442 |
| Return on assets (ROA) | 1.8465% | 457 |
| Pretax return on assets | 2.9868% | 118 |
| Return on Equity (ROE) | 13.9389% | 850 |
| Retained earnings to average equity (ytd only) | 1.2606% | 4,996 |
| Net charge-offs to loans | 0.0033% | 4,343 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 1,277.0000% | 40 |
| Efficiency ratio | 44.1382% | 5,978 |
| Assets per employee ($millions) | 4.7910% | 2,620 |
| Cash dividends to net income (ytd only)* | 90.9561% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 5,634 |
| Loan loss allowance to noncurrent loans | 633.3333% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 4,645 |
| Noncurrent loans to loans | 0.1106% | 5,060 |
| Net loans and leases to total assets | 74.9438% | 1,579 |
| Net loans and leases to deposits | 88.3599% | 1,829 |
| Net loans and leases to core deposits | 93.8353% | 2,060 |
| Total domestic deposits to total assets | 84.8164% | 3,165 |
| Equity capital to assets | 12.9943% | 1,350 |
| Core capital (leverage) ratio | 9.7995% | 3,776 |
| Tier 1 risk-based capital ratio | 14.1335% | 3,647 |
| Total risk-based capital ratio | 14.9250% | 3,834 |
| Memoranda: | ||
| Average total assets | $41,917,600 | 5,727 |
| Average earning assets | $38,581,800 | 5,714 |
| Average equity | $5,552,800 | 5,529 |
| Average total loans | $30,531,200 | 5,340 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 319 |
| Cost of funding earning assets | 0.3593% | 3,656 |
| Net interest margin | 5.0373% | 232 |
| Noninterest income to average assets | 0.7849% | 1,851 |
| Noninterest expense to average assets | 2.4124% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8172% | 502 |
| Return on assets (ROA) | 1.8069% | 533 |
| Pretax return on assets | 2.9827% | 122 |
| Return on Equity (ROE) | 13.5730% | 987 |
| Retained earnings to average equity (ytd only) | 0.6980% | 5,410 |
| Net charge-offs to loans | 0.0044% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 938.3233% | 81 |
| Efficiency ratio | 44.5826% | 6,018 |
| Assets per employee ($millions) | 4.6909% | 2,724 |
| Cash dividends to net income (ytd only)* | 94.8589% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 5,799 |
| Loan loss allowance to noncurrent loans | 221.2766% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 4,459 |
| Noncurrent loans to loans | 0.3012% | 4,524 |
| Net loans and leases to total assets | 73.4284% | 1,833 |
| Net loans and leases to deposits | 85.0597% | 2,272 |
| Net loans and leases to core deposits | 88.5310% | 2,608 |
| Total domestic deposits to total assets | 86.3257% | 2,368 |
| Equity capital to assets | 13.1650% | 1,367 |
| Core capital (leverage) ratio | 9.8731% | 3,807 |
| Tier 1 risk-based capital ratio | 14.5740% | 3,513 |
| Total risk-based capital ratio | 15.3262% | 3,750 |
| Memoranda: | ||
| Average total assets | $41,617,250 | 5,801 |
| Average earning assets | $38,220,500 | 5,802 |
| Average equity | $5,540,250 | 5,603 |
| Average total loans | $30,028,250 | 5,422 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 323 |
| Cost of funding earning assets | 0.3636% | 3,664 |
| Net interest margin | 5.0062% | 245 |
| Noninterest income to average assets | 0.7919% | 1,811 |
| Noninterest expense to average assets | 2.4772% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7718% | 543 |
| Return on assets (ROA) | 1.7626% | 576 |
| Pretax return on assets | 2.8877% | 148 |
| Return on Equity (ROE) | 13.1904% | 1,080 |
| Retained earnings to average equity (ytd only) | 0.2530% | 5,429 |
| Net charge-offs to loans | -0.0202% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0503% | 6,041 |
| Assets per employee ($millions) | 4.5853% | 2,849 |
| Cash dividends to net income (ytd only)* | 98.0822% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 5,803 |
| Loan loss allowance to noncurrent loans | 504.7619% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 5,034 |
| Noncurrent loans to loans | 0.1401% | 5,189 |
| Net loans and leases to total assets | 72.1067% | 1,958 |
| Net loans and leases to deposits | 85.3076% | 2,133 |
| Net loans and leases to core deposits | 87.2972% | 2,629 |
| Total domestic deposits to total assets | 84.5255% | 3,333 |
| Equity capital to assets | 13.3517% | 1,241 |
| Core capital (leverage) ratio | 9.9699% | 3,651 |
| Tier 1 risk-based capital ratio | 15.1757% | 3,261 |
| Total risk-based capital ratio | 15.9786% | 3,440 |
| Memoranda: | ||
| Average total assets | $41,417,000 | 5,871 |
| Average earning assets | $37,953,000 | 5,865 |
| Average equity | $5,534,330 | 5,656 |
| Average total loans | $29,635,000 | 5,488 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 324 |
| Cost of funding earning assets | 0.3481% | 3,880 |
| Net interest margin | 4.9995% | 250 |
| Noninterest income to average assets | 0.7809% | 1,781 |
| Noninterest expense to average assets | 2.4873% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9057% | 401 |
| Return on assets (ROA) | 1.8799% | 447 |
| Pretax return on assets | 2.8247% | 152 |
| Return on Equity (ROE) | 14.0629% | 867 |
| Retained earnings to average equity (ytd only) | 1.3702% | 4,940 |
| Net charge-offs to loans | 0.0136% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 192 |
| Efficiency ratio | 46.4865% | 6,085 |
| Assets per employee ($millions) | 4.6424% | 2,841 |
| Cash dividends to net income (ytd only)* | 90.2564% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7032% | 5,905 |
| Loan loss allowance to noncurrent loans | 315.1515% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 4,890 |
| Noncurrent loans to loans | 0.2231% | 4,976 |
| Net loans and leases to total assets | 70.2910% | 2,096 |
| Net loans and leases to deposits | 82.0020% | 2,338 |
| Net loans and leases to core deposits | 83.8563% | 2,788 |
| Total domestic deposits to total assets | 85.7187% | 3,083 |
| Equity capital to assets | 13.3311% | 1,250 |
| Core capital (leverage) ratio | 9.9537% | 3,662 |
| Tier 1 risk-based capital ratio | 15.3985% | 3,198 |
| Total risk-based capital ratio | 16.1950% | 3,391 |
| Memoranda: | ||
| Average total assets | $41,491,500 | 5,928 |
| Average earning assets | $37,924,000 | 5,926 |
| Average equity | $5,546,500 | 5,705 |
| Average total loans | $29,468,000 | 5,540 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 331 |
| Cost of funding earning assets | 0.3937% | 3,754 |
| Net interest margin | 5.0858% | 260 |
| Noninterest income to average assets | 0.8269% | 1,769 |
| Noninterest expense to average assets | 2.4079% | 4,822 |
| Loan and lease loss provision to assets | 0.0970% | 2,530 |
| Net operating income to assets | 1.8266% | 454 |
| Return on assets (ROA) | 1.8235% | 473 |
| Pretax return on assets | 2.9534% | 118 |
| Return on Equity (ROE) | 13.7850% | 973 |
| Retained earnings to average equity (ytd only) | 2.9330% | 4,156 |
| Net charge-offs to loans | 0.0394% | 4,036 |
| Credit loss provision to net charge-offs | 363.6364% | 719 |
| Earnings coverage of net charge-offs (x) | 114.5455% | 462 |
| Efficiency ratio | 44.0746% | 6,319 |
| Assets per employee ($millions) | 4.5779% | 2,910 |
| Cash dividends to net income (ytd only)* | 78.7234% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 5,968 |
| Loan loss allowance to noncurrent loans | 564.8649% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 5,240 |
| Noncurrent loans to loans | 0.1260% | 5,397 |
| Net loans and leases to total assets | 70.7507% | 2,116 |
| Net loans and leases to deposits | 84.3290% | 2,175 |
| Net loans and leases to core deposits | 87.7299% | 2,527 |
| Total domestic deposits to total assets | 83.8984% | 3,765 |
| Equity capital to assets | 13.4050% | 1,192 |
| Core capital (leverage) ratio | 9.7189% | 3,943 |
| Tier 1 risk-based capital ratio | 15.5930% | 3,190 |
| Total risk-based capital ratio | 16.4075% | 3,357 |
| Memoranda: | ||
| Average total assets | $41,240,000 | 6,005 |
| Average earning assets | $37,595,200 | 5,994 |
| Average equity | $5,455,200 | 5,751 |
| Average total loans | $27,914,800 | 5,657 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 345 |
| Cost of funding earning assets | 0.3947% | 3,844 |
| Net interest margin | 5.0454% | 271 |
| Noninterest income to average assets | 0.8533% | 1,684 |
| Noninterest expense to average assets | 2.3757% | 4,893 |
| Loan and lease loss provision to assets | 0.0323% | 3,760 |
| Net operating income to assets | 1.8953% | 425 |
| Return on assets (ROA) | 1.8973% | 437 |
| Pretax return on assets | 3.0351% | 114 |
| Return on Equity (ROE) | 14.3916% | 917 |
| Retained earnings to average equity (ytd only) | 4.0452% | 3,770 |
| Net charge-offs to loans | 0.0242% | 4,027 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 189.5007% | 337 |
| Efficiency ratio | 43.6720% | 6,372 |
| Assets per employee ($millions) | 4.7277% | 2,621 |
| Cash dividends to net income (ytd only)* | 71.8904% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 6,189 |
| Loan loss allowance to noncurrent loans | 192.7083% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 5,315 |
| Noncurrent loans to loans | 0.3265% | 4,929 |
| Net loans and leases to total assets | 68.6667% | 2,441 |
| Net loans and leases to deposits | 79.5258% | 2,767 |
| Net loans and leases to core deposits | 87.3793% | 2,491 |
| Total domestic deposits to total assets | 86.3452% | 2,675 |
| Equity capital to assets | 13.0179% | 1,413 |
| Core capital (leverage) ratio | 9.9178% | 3,786 |
| Tier 1 risk-based capital ratio | 15.4932% | 3,327 |
| Total risk-based capital ratio | 16.2089% | 3,542 |
| Memoranda: | ||
| Average total assets | $41,249,750 | 6,080 |
| Average earning assets | $37,498,750 | 6,073 |
| Average equity | $5,438,250 | 5,815 |
| Average total loans | $27,553,750 | 5,728 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 359 |
| Cost of funding earning assets | 0.3983% | 3,887 |
| Net interest margin | 5.0219% | 273 |
| Noninterest income to average assets | 0.7889% | 1,884 |
| Noninterest expense to average assets | 2.4255% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8995% | 412 |
| Return on assets (ROA) | 1.8963% | 427 |
| Pretax return on assets | 2.9302% | 122 |
| Return on Equity (ROE) | 14.3209% | 900 |
| Retained earnings to average equity (ytd only) | 5.2177% | 2,819 |
| Net charge-offs to loans | 0.0074% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 599.0000% | 119 |
| Efficiency ratio | 45.2468% | 6,383 |
| Assets per employee ($millions) | 4.5597% | 2,828 |
| Cash dividends to net income (ytd only)* | 63.5659% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 6,251 |
| Loan loss allowance to noncurrent loans | 132.5926% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 5,061 |
| Noncurrent loans to loans | 0.4892% | 4,532 |
| Net loans and leases to total assets | 66.8080% | 2,618 |
| Net loans and leases to deposits | 80.0607% | 2,508 |
| Net loans and leases to core deposits | 81.9979% | 2,972 |
| Total domestic deposits to total assets | 83.4466% | 4,132 |
| Equity capital to assets | 13.4756% | 1,167 |
| Core capital (leverage) ratio | 10.0247% | 3,580 |
| Tier 1 risk-based capital ratio | 16.3250% | 2,921 |
| Total risk-based capital ratio | 17.0589% | 3,122 |
| Memoranda: | ||
| Average total assets | $40,816,670 | 6,148 |
| Average earning assets | $37,157,330 | 6,140 |
| Average equity | $5,404,670 | 5,862 |
| Average total loans | $26,937,670 | 5,796 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 347 |
| Cost of funding earning assets | 0.4324% | 3,622 |
| Net interest margin | 4.9724% | 286 |
| Noninterest income to average assets | 0.7272% | 2,048 |
| Noninterest expense to average assets | 2.3387% | 5,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9555% | 366 |
| Return on assets (ROA) | 1.9555% | 382 |
| Pretax return on assets | 2.9086% | 151 |
| Return on Equity (ROE) | 14.9008% | 790 |
| Retained earnings to average equity (ytd only) | 9.6593% | 1,061 |
| Net charge-offs to loans | -0.0301% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5693% | 6,474 |
| Assets per employee ($millions) | 4.5814% | 2,839 |
| Cash dividends to net income (ytd only)* | 35.1759% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 6,298 |
| Loan loss allowance to noncurrent loans | 330.9091% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 5,850 |
| Noncurrent loans to loans | 0.2074% | 5,477 |
| Net loans and leases to total assets | 63.8615% | 2,915 |
| Net loans and leases to deposits | 73.6333% | 3,110 |
| Net loans and leases to core deposits | 75.3851% | 3,479 |
| Total domestic deposits to total assets | 86.7291% | 2,977 |
| Equity capital to assets | 13.1836% | 1,220 |
| Core capital (leverage) ratio | 10.0851% | 3,447 |
| Tier 1 risk-based capital ratio | 16.8056% | 2,773 |
| Total risk-based capital ratio | 17.5759% | 2,959 |
| Memoranda: | ||
| Average total assets | $40,706,500 | 6,216 |
| Average earning assets | $37,004,500 | 6,204 |
| Average equity | $5,342,000 | 5,916 |
| Average total loans | $26,609,000 | 5,869 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4976% | 362 |
| Cost of funding earning assets | 0.4342% | 4,274 |
| Net interest margin | 5.0634% | 281 |
| Noninterest income to average assets | 0.8357% | 1,915 |
| Noninterest expense to average assets | 3.9433% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2331% | 1,442 |
| Return on assets (ROA) | 1.2310% | 1,513 |
| Pretax return on assets | 1.4712% | 1,547 |
| Return on Equity (ROE) | 9.6075% | 2,280 |
| Retained earnings to average equity (ytd only) | 6.0730% | 1,926 |
| Net charge-offs to loans | 0.0158% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 312 |
| Efficiency ratio | 72.7945% | 3,335 |
| Assets per employee ($millions) | 4.4644% | 2,964 |
| Cash dividends to net income (ytd only)* | 36.7886% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 6,383 |
| Loan loss allowance to noncurrent loans | 486.4865% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 6,066 |
| Noncurrent loans to loans | 0.1386% | 5,791 |
| Net loans and leases to total assets | 66.0129% | 2,687 |
| Net loans and leases to deposits | 78.8372% | 2,613 |
| Net loans and leases to core deposits | 80.8757% | 3,024 |
| Total domestic deposits to total assets | 83.7332% | 4,271 |
| Equity capital to assets | 13.0612% | 1,249 |
| Core capital (leverage) ratio | 9.8712% | 3,743 |
| Tier 1 risk-based capital ratio | 16.2671% | 2,982 |
| Total risk-based capital ratio | 17.0338% | 3,167 |
| Memoranda: | ||
| Average total assets | $39,966,400 | 6,287 |
| Average earning assets | $36,161,400 | 6,283 |
| Average equity | $5,121,000 | 6,037 |
| Average total loans | $25,316,000 | 5,968 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 383 |
| Cost of funding earning assets | 0.4413% | 4,370 |
| Net interest margin | 5.0397% | 295 |
| Noninterest income to average assets | 0.8318% | 2,004 |
| Noninterest expense to average assets | 4.3794% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8983% | 2,842 |
| Return on assets (ROA) | 0.8952% | 2,973 |
| Pretax return on assets | 0.9888% | 3,545 |
| Return on Equity (ROE) | 7.0211% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.1961% | 4,399 |
| Net charge-offs to loans | -0.0427% | 6,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5299% | 1,893 |
| Assets per employee ($millions) | 4.4287% | 2,994 |
| Cash dividends to net income (ytd only)* | 54.4778% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 6,385 |
| Loan loss allowance to noncurrent loans | 480.0000% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 6,134 |
| Noncurrent loans to loans | 0.1544% | 5,852 |
| Net loans and leases to total assets | 64.5341% | 2,914 |
| Net loans and leases to deposits | 76.2495% | 2,927 |
| Net loans and leases to core deposits | 78.2204% | 3,330 |
| Total domestic deposits to total assets | 84.6355% | 3,912 |
| Equity capital to assets | 12.7728% | 1,439 |
| Core capital (leverage) ratio | 9.6826% | 4,124 |
| Tier 1 risk-based capital ratio | 15.9713% | 3,209 |
| Total risk-based capital ratio | 16.8110% | 3,400 |
| Memoranda: | ||
| Average total assets | $39,913,000 | 6,362 |
| Average earning assets | $35,953,750 | 6,357 |
| Average equity | $5,089,250 | 6,115 |
| Average total loans | $24,969,000 | 6,038 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 441 |
| Cost of funding earning assets | 0.4517% | 4,413 |
| Net interest margin | 4.9580% | 332 |
| Noninterest income to average assets | 0.8615% | 1,957 |
| Noninterest expense to average assets | 5.3141% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3356% | 5,466 |
| Return on assets (ROA) | 0.3356% | 5,629 |
| Pretax return on assets | 0.0000% | 6,353 |
| Return on Equity (ROE) | 2.6333% | 5,742 |
| Retained earnings to average equity (ytd only) | -0.3537% | 5,925 |
| Net charge-offs to loans | 0.0324% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,556 |
| Efficiency ratio | 100.0000% | 483 |
| Assets per employee ($millions) | 4.3366% | 3,113 |
| Cash dividends to net income (ytd only)* | 113.4328% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 6,470 |
| Loan loss allowance to noncurrent loans | 514.2857% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 6,225 |
| Noncurrent loans to loans | 0.1401% | 5,975 |
| Net loans and leases to total assets | 63.5707% | 2,992 |
| Net loans and leases to deposits | 72.7766% | 3,341 |
| Net loans and leases to core deposits | 74.6532% | 3,704 |
| Total domestic deposits to total assets | 87.3504% | 2,619 |
| Equity capital to assets | 12.5958% | 1,521 |
| Core capital (leverage) ratio | 9.0744% | 4,871 |
| Tier 1 risk-based capital ratio | 15.7126% | 3,356 |
| Total risk-based capital ratio | 16.5195% | 3,570 |
| Memoranda: | ||
| Average total assets | $39,931,330 | 6,404 |
| Average earning assets | $35,861,330 | 6,407 |
| Average equity | $5,088,670 | 6,158 |
| Average total loans | $24,654,000 | 6,088 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 443 |
| Cost of funding earning assets | 0.4541% | 4,546 |
| Net interest margin | 4.9288% | 321 |
| Noninterest income to average assets | 0.6438% | 2,915 |
| Noninterest expense to average assets | 2.7537% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5254% | 811 |
| Return on assets (ROA) | 1.5254% | 886 |
| Pretax return on assets | 2.2980% | 356 |
| Return on Equity (ROE) | 11.9034% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.4928% | 2,409 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5098% | 6,189 |
| Assets per employee ($millions) | 4.6450% | 2,734 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 6,514 |
| Loan loss allowance to noncurrent loans | 575.0000% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,364 |
| Noncurrent loans to loans | 0.1327% | 6,071 |
| Net loans and leases to total assets | 57.2228% | 3,883 |
| Net loans and leases to deposits | 65.5541% | 4,114 |
| Net loans and leases to core deposits | 67.1627% | 4,399 |
| Total domestic deposits to total assets | 87.2910% | 2,764 |
| Equity capital to assets | 12.4578% | 1,737 |
| Core capital (leverage) ratio | 9.3332% | 4,347 |
| Tier 1 risk-based capital ratio | 16.4865% | 3,007 |
| Total risk-based capital ratio | 17.3259% | 3,178 |
| Memoranda: | ||
| Average total assets | $40,382,500 | 6,447 |
| Average earning assets | $36,114,000 | 6,464 |
| Average equity | $5,175,000 | 6,195 |
| Average total loans | $24,485,500 | 6,147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9870% | 269 |
| Cost of funding earning assets | 0.5807% | 4,526 |
| Net interest margin | 5.4062% | 197 |
| Noninterest income to average assets | 0.7940% | 2,288 |
| Noninterest expense to average assets | 2.4574% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0697% | 317 |
| Return on assets (ROA) | 2.1086% | 329 |
| Pretax return on assets | 3.0952% | 131 |
| Return on Equity (ROE) | 16.2409% | 626 |
| Retained earnings to average equity (ytd only) | 7.6393% | 1,263 |
| Net charge-offs to loans | 0.0201% | 5,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 233.4000% | 182 |
| Efficiency ratio | 44.7181% | 6,825 |
| Assets per employee ($millions) | 4.3289% | 3,291 |
| Cash dividends to net income (ytd only)* | 52.9630% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 6,582 |
| Loan loss allowance to noncurrent loans | 262.8571% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 6,113 |
| Noncurrent loans to loans | 0.2815% | 5,778 |
| Net loans and leases to total assets | 63.3496% | 3,000 |
| Net loans and leases to deposits | 73.2157% | 3,225 |
| Net loans and leases to core deposits | 75.1576% | 3,638 |
| Total domestic deposits to total assets | 86.5246% | 3,086 |
| Equity capital to assets | 13.1982% | 1,355 |
| Core capital (leverage) ratio | 9.3263% | 4,365 |
| Tier 1 risk-based capital ratio | 16.2875% | 3,003 |
| Total risk-based capital ratio | 17.1365% | 3,183 |
| Memoranda: | ||
| Average total assets | $38,414,200 | 6,546 |
| Average earning assets | $33,405,800 | 6,572 |
| Average equity | $4,987,400 | 6,294 |
| Average total loans | $24,829,400 | 6,203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0246% | 274 |
| Cost of funding earning assets | 0.6037% | 4,608 |
| Net interest margin | 5.4210% | 198 |
| Noninterest income to average assets | 0.8081% | 2,204 |
| Noninterest expense to average assets | 2.4278% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0490% | 360 |
| Return on assets (ROA) | 2.1004% | 369 |
| Pretax return on assets | 3.1488% | 134 |
| Return on Equity (ROE) | 16.2461% | 710 |
| Retained earnings to average equity (ytd only) | 10.2379% | 857 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1419% | 6,893 |
| Assets per employee ($millions) | 4.3711% | 3,129 |
| Cash dividends to net income (ytd only)* | 36.9823% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 6,666 |
| Loan loss allowance to noncurrent loans | 258.9041% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 6,244 |
| Noncurrent loans to loans | 0.2951% | 5,904 |
| Net loans and leases to total assets | 62.3920% | 3,314 |
| Net loans and leases to deposits | 72.3018% | 3,562 |
| Net loans and leases to core deposits | 74.1855% | 3,957 |
| Total domestic deposits to total assets | 86.2938% | 3,094 |
| Equity capital to assets | 13.1113% | 1,539 |
| Core capital (leverage) ratio | 9.5486% | 4,197 |
| Tier 1 risk-based capital ratio | 16.2140% | 3,157 |
| Total risk-based capital ratio | 17.0826% | 3,324 |
| Memoranda: | ||
| Average total assets | $38,277,750 | 6,630 |
| Average earning assets | $33,129,750 | 6,664 |
| Average equity | $4,948,750 | 6,374 |
| Average total loans | $24,820,500 | 6,288 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0744% | 269 |
| Cost of funding earning assets | 0.6423% | 4,509 |
| Net interest margin | 5.4321% | 198 |
| Noninterest income to average assets | 0.8227% | 2,085 |
| Noninterest expense to average assets | 2.4312% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0382% | 367 |
| Return on assets (ROA) | 2.1148% | 371 |
| Pretax return on assets | 3.1906% | 132 |
| Return on Equity (ROE) | 16.4378% | 704 |
| Retained earnings to average equity (ytd only) | 10.4120% | 868 |
| Net charge-offs to loans | 0.0161% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 291.5000% | 148 |
| Efficiency ratio | 44.1571% | 6,951 |
| Assets per employee ($millions) | 4.2847% | 3,279 |
| Cash dividends to net income (ytd only)* | 36.6584% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 6,712 |
| Loan loss allowance to noncurrent loans | 479.4872% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 6,545 |
| Noncurrent loans to loans | 0.1630% | 6,257 |
| Net loans and leases to total assets | 61.5476% | 3,521 |
| Net loans and leases to deposits | 71.0684% | 3,756 |
| Net loans and leases to core deposits | 72.9446% | 4,173 |
| Total domestic deposits to total assets | 86.6034% | 3,008 |
| Equity capital to assets | 12.9454% | 1,548 |
| Core capital (leverage) ratio | 9.4407% | 4,227 |
| Tier 1 risk-based capital ratio | 16.2792% | 3,013 |
| Total risk-based capital ratio | 17.1737% | 3,172 |
| Memoranda: | ||
| Average total assets | $37,923,670 | 6,685 |
| Average earning assets | $32,694,670 | 6,716 |
| Average equity | $4,879,000 | 6,422 |
| Average total loans | $24,849,330 | 6,329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2010% | 230 |
| Cost of funding earning assets | 0.6740% | 4,511 |
| Net interest margin | 5.5270% | 175 |
| Noninterest income to average assets | 0.7871% | 2,226 |
| Noninterest expense to average assets | 2.4678% | 5,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9883% | 428 |
| Return on assets (ROA) | 2.1380% | 380 |
| Pretax return on assets | 3.3507% | 133 |
| Return on Equity (ROE) | 16.6719% | 719 |
| Retained earnings to average equity (ytd only) | 10.8657% | 1,065 |
| Net charge-offs to loans | -0.0158% | 6,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1905% | 6,981 |
| Assets per employee ($millions) | 4.2749% | 3,446 |
| Cash dividends to net income (ytd only)* | 34.8259% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 6,793 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 6,776 |
| Noncurrent loans to loans | 0.0768% | 6,559 |
| Net loans and leases to total assets | 63.8119% | 2,886 |
| Net loans and leases to deposits | 73.7134% | 3,157 |
| Net loans and leases to core deposits | 75.6533% | 3,660 |
| Total domestic deposits to total assets | 86.5676% | 3,196 |
| Equity capital to assets | 12.7411% | 1,577 |
| Core capital (leverage) ratio | 9.0425% | 4,773 |
| Tier 1 risk-based capital ratio | 15.4611% | 3,468 |
| Total risk-based capital ratio | 16.3570% | 3,647 |
| Memoranda: | ||
| Average total assets | $37,604,500 | 6,746 |
| Average earning assets | $32,640,000 | 6,777 |
| Average equity | $4,822,500 | 6,478 |
| Average total loans | $25,313,500 | 6,348 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4340% | 198 |
| Cost of funding earning assets | 0.7025% | 5,521 |
| Net interest margin | 5.7315% | 123 |
| Noninterest income to average assets | 0.7860% | 2,137 |
| Noninterest expense to average assets | 2.5730% | 5,194 |
| Loan and lease loss provision to assets | 0.1241% | 5,055 |
| Net operating income to assets | 2.1096% | 260 |
| Return on assets (ROA) | 2.1897% | 242 |
| Pretax return on assets | 3.3176% | 101 |
| Return on Equity (ROE) | 17.8003% | 398 |
| Retained earnings to average equity (ytd only) | 11.5231% | 341 |
| Net charge-offs to loans | 0.0270% | 6,051 |
| Credit loss provision to net charge-offs | 642.8571% | 350 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 198 |
| Efficiency ratio | 43.6593% | 7,133 |
| Assets per employee ($millions) | 4.0817% | 3,690 |
| Cash dividends to net income (ytd only)* | 35.2645% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 6,859 |
| Loan loss allowance to noncurrent loans | 900.0000% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 6,811 |
| Noncurrent loans to loans | 0.0811% | 6,607 |
| Net loans and leases to total assets | 69.9524% | 2,040 |
| Net loans and leases to deposits | 81.7985% | 2,229 |
| Net loans and leases to core deposits | 84.2138% | 2,865 |
| Total domestic deposits to total assets | 85.5179% | 3,585 |
| Equity capital to assets | 12.9114% | 1,533 |
| Core capital (leverage) ratio | 8.6994% | 5,251 |
| Tier 1 risk-based capital ratio | 14.3097% | 4,102 |
| Total risk-based capital ratio | 15.1686% | 4,345 |
| Memoranda: | ||
| Average total assets | $36,261,000 | 6,789 |
| Average earning assets | $32,312,800 | 6,799 |
| Average equity | $4,460,600 | 6,610 |
| Average total loans | $25,948,400 | 6,363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4162% | 218 |
| Cost of funding earning assets | 0.7033% | 5,745 |
| Net interest margin | 5.7130% | 130 |
| Noninterest income to average assets | 0.7784% | 2,153 |
| Noninterest expense to average assets | 2.5159% | 5,413 |
| Loan and lease loss provision to assets | 0.1660% | 4,400 |
| Net operating income to assets | 2.1052% | 292 |
| Return on assets (ROA) | 2.1027% | 314 |
| Pretax return on assets | 3.1873% | 119 |
| Return on Equity (ROE) | 17.3116% | 536 |
| Retained earnings to average equity (ytd only) | 12.8774% | 393 |
| Net charge-offs to loans | 0.0257% | 5,782 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 181.9040% | 212 |
| Efficiency ratio | 42.8392% | 7,180 |
| Assets per employee ($millions) | 4.1170% | 3,605 |
| Cash dividends to net income (ytd only)* | 25.6138% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 6,971 |
| Loan loss allowance to noncurrent loans | 734.6154% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,877 |
| Noncurrent loans to loans | 0.0946% | 6,694 |
| Net loans and leases to total assets | 73.6297% | 1,388 |
| Net loans and leases to deposits | 84.8770% | 1,861 |
| Net loans and leases to core deposits | 88.0121% | 2,489 |
| Total domestic deposits to total assets | 86.7487% | 2,796 |
| Equity capital to assets | 12.5523% | 1,886 |
| Core capital (leverage) ratio | 8.5545% | 5,625 |
| Tier 1 risk-based capital ratio | 13.7329% | 4,553 |
| Total risk-based capital ratio | 14.5903% | 4,821 |
| Memoranda: | ||
| Average total assets | $36,142,500 | 6,852 |
| Average earning assets | $32,230,000 | 6,858 |
| Average equity | $4,390,000 | 6,680 |
| Average total loans | $25,964,000 | 6,427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3300% | 268 |
| Cost of funding earning assets | 0.7110% | 5,895 |
| Net interest margin | 5.6189% | 146 |
| Noninterest income to average assets | 0.8148% | 1,952 |
| Noninterest expense to average assets | 2.5503% | 5,352 |
| Loan and lease loss provision to assets | 0.1674% | 4,259 |
| Net operating income to assets | 2.0462% | 318 |
| Return on assets (ROA) | 2.0425% | 337 |
| Pretax return on assets | 3.0749% | 137 |
| Return on Equity (ROE) | 17.0114% | 555 |
| Retained earnings to average equity (ytd only) | 13.7578% | 334 |
| Net charge-offs to loans | 0.0079% | 5,749 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 582.0000% | 53 |
| Efficiency ratio | 43.9846% | 7,235 |
| Assets per employee ($millions) | 4.0122% | 3,733 |
| Cash dividends to net income (ytd only)* | 19.1257% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 7,041 |
| Loan loss allowance to noncurrent loans | 750.0000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 6,717 |
| Noncurrent loans to loans | 0.0909% | 6,750 |
| Net loans and leases to total assets | 72.6142% | 1,662 |
| Net loans and leases to deposits | 85.6196% | 1,839 |
| Net loans and leases to core deposits | 85.6196% | 2,970 |
| Total domestic deposits to total assets | 84.8103% | 3,963 |
| Equity capital to assets | 12.3761% | 1,857 |
| Core capital (leverage) ratio | 8.3258% | 5,825 |
| Tier 1 risk-based capital ratio | 13.6383% | 4,426 |
| Total risk-based capital ratio | 14.4758% | 4,723 |
| Memoranda: | ||
| Average total assets | $35,839,000 | 6,923 |
| Average earning assets | $31,785,330 | 6,943 |
| Average equity | $4,303,000 | 6,745 |
| Average total loans | $25,461,000 | 6,511 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2984% | 282 |
| Cost of funding earning assets | 0.7312% | 5,971 |
| Net interest margin | 5.5672% | 151 |
| Noninterest income to average assets | 0.7506% | 2,254 |
| Noninterest expense to average assets | 2.6216% | 5,147 |
| Loan and lease loss provision to assets | 0.1681% | 3,947 |
| Net operating income to assets | 1.8897% | 411 |
| Return on assets (ROA) | 1.8822% | 443 |
| Pretax return on assets | 2.8120% | 174 |
| Return on Equity (ROE) | 15.9242% | 687 |
| Retained earnings to average equity (ytd only) | 15.9242% | 327 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7066% | 7,171 |
| Assets per employee ($millions) | 4.1680% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 7,118 |
| Loan loss allowance to noncurrent loans | 1,844.4444% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 7,117 |
| Noncurrent loans to loans | 0.0361% | 6,964 |
| Net loans and leases to total assets | 65.9709% | 3,017 |
| Net loans and leases to deposits | 74.7869% | 3,637 |
| Net loans and leases to core deposits | 74.7869% | 4,450 |
| Total domestic deposits to total assets | 88.2118% | 2,254 |
| Equity capital to assets | 11.4203% | 2,332 |
| Core capital (leverage) ratio | 7.9405% | 6,317 |
| Tier 1 risk-based capital ratio | 13.7855% | 4,224 |
| Total risk-based capital ratio | 14.6019% | 4,523 |
| Memoranda: | ||
| Average total assets | $35,703,500 | 6,976 |
| Average earning assets | $31,182,500 | 7,010 |
| Average equity | $4,220,000 | 6,802 |
| Average total loans | $24,991,000 | 6,586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8261% | 192 |
| Cost of funding earning assets | 0.9201% | 6,085 |
| Net interest margin | 5.9060% | 106 |
| Noninterest income to average assets | 0.7768% | 2,394 |
| Noninterest expense to average assets | 2.8673% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2954% | 158 |
| Return on assets (ROA) | 2.3181% | 157 |
| Pretax return on assets | 3.1010% | 109 |
| Return on Equity (ROE) | 18.8549% | 322 |
| Retained earnings to average equity (ytd only) | 18.8549% | 67 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2882% | 7,251 |
| Assets per employee ($millions) | 3.7661% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 7,262 |
| Loan loss allowance to noncurrent loans | 656.5217% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 7,058 |
| Noncurrent loans to loans | 0.0917% | 6,900 |
| Net loans and leases to total assets | 73.5153% | 1,764 |
| Net loans and leases to deposits | 84.8503% | 2,313 |
| Net loans and leases to core deposits | 86.0815% | 3,307 |
| Total domestic deposits to total assets | 86.6411% | 3,009 |
| Equity capital to assets | 12.2614% | 1,763 |
| Core capital (leverage) ratio | 8.1190% | 5,979 |
| Tier 1 risk-based capital ratio | 13.1266% | 4,505 |
| Total risk-based capital ratio | 13.8594% | 4,909 |
| Memoranda: | ||
| Average total assets | $32,957,400 | 7,113 |
| Average earning assets | $28,801,400 | 7,132 |
| Average equity | $4,052,000 | 6,982 |
| Average total loans | $23,703,200 | 6,745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8144% | 197 |
| Cost of funding earning assets | 0.9527% | 6,163 |
| Net interest margin | 5.8617% | 108 |
| Noninterest income to average assets | 0.7864% | 2,303 |
| Noninterest expense to average assets | 2.8440% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1810% | 246 |
| Return on assets (ROA) | 2.2573% | 228 |
| Pretax return on assets | 3.1374% | 108 |
| Return on Equity (ROE) | 18.3470% | 452 |
| Retained earnings to average equity (ytd only) | 18.3470% | 106 |
| Net charge-offs to loans | 0.0171% | 6,441 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 247.9950% | 133 |
| Efficiency ratio | 48.4050% | 7,246 |
| Assets per employee ($millions) | 3.6844% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 7,353 |
| Loan loss allowance to noncurrent loans | 422.8571% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 7,093 |
| Noncurrent loans to loans | 0.1418% | 6,892 |
| Net loans and leases to total assets | 73.9747% | 1,810 |
| Net loans and leases to deposits | 84.8789% | 2,540 |
| Net loans and leases to core deposits | 86.3854% | 3,596 |
| Total domestic deposits to total assets | 87.1532% | 2,446 |
| Equity capital to assets | 12.4427% | 1,883 |
| Core capital (leverage) ratio | 8.2331% | 5,987 |
| Tier 1 risk-based capital ratio | 12.5940% | 4,895 |
| Total risk-based capital ratio | 13.3164% | 5,374 |
| Memoranda: | ||
| Average total assets | $32,723,000 | 7,211 |
| Average earning assets | $28,409,750 | 7,230 |
| Average equity | $4,026,000 | 7,079 |
| Average total loans | $23,361,750 | 6,847 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7435% | 224 |
| Cost of funding earning assets | 0.9705% | 6,288 |
| Net interest margin | 5.7730% | 123 |
| Noninterest income to average assets | 0.7122% | 2,637 |
| Noninterest expense to average assets | 2.8425% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0566% | 304 |
| Return on assets (ROA) | 2.0566% | 331 |
| Pretax return on assets | 2.8363% | 147 |
| Return on Equity (ROE) | 16.7808% | 596 |
| Retained earnings to average equity (ytd only) | 16.7808% | 167 |
| Net charge-offs to loans | -0.0087% | 7,176 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0541% | 7,221 |
| Assets per employee ($millions) | 3.5143% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 7,333 |
| Loan loss allowance to noncurrent loans | 690.9091% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 5,334 |
| Noncurrent loans to loans | 0.0942% | 7,078 |
| Net loans and leases to total assets | 73.3599% | 2,069 |
| Net loans and leases to deposits | 84.8311% | 2,735 |
| Net loans and leases to core deposits | 86.1476% | 3,808 |
| Total domestic deposits to total assets | 86.4776% | 2,833 |
| Equity capital to assets | 13.1620% | 1,493 |
| Core capital (leverage) ratio | 8.4927% | 5,421 |
| Tier 1 risk-based capital ratio | 13.2706% | 4,230 |
| Total risk-based capital ratio | 14.0432% | 4,582 |
| Memoranda: | ||
| Average total assets | $32,577,330 | 7,267 |
| Average earning assets | $28,027,000 | 7,294 |
| Average equity | $3,992,670 | 7,125 |
| Average total loans | $22,923,000 | 6,911 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6509% | 285 |
| Cost of funding earning assets | 0.9890% | 6,424 |
| Net interest margin | 5.6619% | 145 |
| Noninterest income to average assets | 0.4478% | 4,491 |
| Noninterest expense to average assets | 2.9167% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7427% | 558 |
| Return on assets (ROA) | 1.7427% | 612 |
| Pretax return on assets | 2.3115% | 342 |
| Return on Equity (ROE) | 14.7409% | 917 |
| Retained earnings to average equity (ytd only) | 14.7409% | 435 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7870% | 6,791 |
| Assets per employee ($millions) | 3.5980% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 7,373 |
| Loan loss allowance to noncurrent loans | 191.1392% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 5,049 |
| Noncurrent loans to loans | 0.3558% | 6,590 |
| Net loans and leases to total assets | 68.0934% | 3,364 |
| Net loans and leases to deposits | 77.8244% | 4,077 |
| Net loans and leases to core deposits | 78.9898% | 4,899 |
| Total domestic deposits to total assets | 87.4961% | 2,359 |
| Equity capital to assets | 12.2908% | 1,880 |
| Core capital (leverage) ratio | 7.7541% | 6,564 |
| Tier 1 risk-based capital ratio | 12.8258% | 4,460 |
| Total risk-based capital ratio | 13.6258% | 4,806 |
| Memoranda: | ||
| Average total assets | $33,051,500 | 7,341 |
| Average earning assets | $27,906,000 | 7,396 |
| Average equity | $3,907,500 | 7,217 |
| Average total loans | $22,707,000 | 7,004 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8924% | 325 |
| Cost of funding earning assets | 1.1681% | 6,771 |
| Net interest margin | 5.7243% | 143 |
| Noninterest income to average assets | 0.8327% | 2,260 |
| Noninterest expense to average assets | 2.9982% | 4,151 |
| Loan and lease loss provision to assets | 0.1900% | 5,822 |
| Net operating income to assets | 1.8908% | 296 |
| Return on assets (ROA) | 1.6241% | 549 |
| Pretax return on assets | 2.2542% | 248 |
| Return on Equity (ROE) | 14.1081% | 765 |
| Retained earnings to average equity (ytd only) | 14.1081% | 116 |
| Net charge-offs to loans | 0.0690% | 6,428 |
| Credit loss provision to net charge-offs | 400.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 59.2667% | 451 |
| Efficiency ratio | 51.5795% | 7,422 |
| Assets per employee ($millions) | 3.7468% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 7,473 |
| Loan loss allowance to noncurrent loans | 209.7222% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 6,933 |
| Noncurrent loans to loans | 0.3102% | 6,659 |
| Net loans and leases to total assets | 68.3906% | 3,616 |
| Net loans and leases to deposits | 77.2907% | 4,506 |
| Net loans and leases to core deposits | 82.7574% | 5,844 |
| Total domestic deposits to total assets | 88.4849% | 1,740 |
| Equity capital to assets | 11.3727% | 2,420 |
| Core capital (leverage) ratio | 7.4277% | 6,855 |
| Tier 1 risk-based capital ratio | 11.1247% | 5,803 |
| Total risk-based capital ratio | 11.8627% | 6,262 |
| Memoranda: | ||
| Average total assets | $31,585,800 | 7,422 |
| Average earning assets | $27,479,400 | 7,447 |
| Average equity | $3,636,200 | 7,408 |
| Average total loans | $21,751,400 | 7,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8491% | 387 |
| Cost of funding earning assets | 1.1937% | 6,909 |
| Net interest margin | 5.6554% | 151 |
| Noninterest income to average assets | 0.7428% | 2,747 |
| Noninterest expense to average assets | 3.0400% | 3,883 |
| Loan and lease loss provision to assets | 0.1288% | 6,064 |
| Net operating income to assets | 1.8120% | 433 |
| Return on assets (ROA) | 1.5071% | 858 |
| Pretax return on assets | 2.1082% | 433 |
| Return on Equity (ROE) | 13.0487% | 1,107 |
| Retained earnings to average equity (ytd only) | 13.0487% | 256 |
| Net charge-offs to loans | 0.0997% | 5,674 |
| Credit loss provision to net charge-offs | 187.5000% | 2,426 |
| Earnings coverage of net charge-offs (x) | 38.8176% | 767 |
| Efficiency ratio | 53.2731% | 7,311 |
| Assets per employee ($millions) | 3.5072% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5280% | 7,676 |
| Loan loss allowance to noncurrent loans | 705.8824% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 7,425 |
| Noncurrent loans to loans | 0.0748% | 7,307 |
| Net loans and leases to total assets | 71.6268% | 3,124 |
| Net loans and leases to deposits | 82.8928% | 3,852 |
| Net loans and leases to core deposits | 88.6662% | 5,570 |
| Total domestic deposits to total assets | 86.4090% | 2,470 |
| Equity capital to assets | 11.7250% | 2,411 |
| Core capital (leverage) ratio | 7.2138% | 7,257 |
| Tier 1 risk-based capital ratio | 10.8499% | 6,105 |
| Total risk-based capital ratio | 11.4658% | 6,705 |
| Memoranda: | ||
| Average total assets | $31,052,000 | 7,501 |
| Average earning assets | $27,253,500 | 7,522 |
| Average equity | $3,586,500 | 7,481 |
| Average total loans | $21,386,000 | 7,183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8237% | 433 |
| Cost of funding earning assets | 1.2501% | 6,959 |
| Net interest margin | 5.5735% | 167 |
| Noninterest income to average assets | 0.7707% | 2,589 |
| Noninterest expense to average assets | 2.9792% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9041% | 373 |
| Return on assets (ROA) | 1.4378% | 1,014 |
| Pretax return on assets | 1.9948% | 578 |
| Return on Equity (ROE) | 12.5129% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.5129% | 378 |
| Net charge-offs to loans | -0.0287% | 7,770 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9954% | 7,440 |
| Assets per employee ($millions) | 3.3958% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5035% | 7,782 |
| Loan loss allowance to noncurrent loans | 165.1515% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 6,969 |
| Noncurrent loans to loans | 0.3049% | 6,753 |
| Net loans and leases to total assets | 70.4731% | 3,588 |
| Net loans and leases to deposits | 80.2938% | 4,501 |
| Net loans and leases to core deposits | 85.9457% | 5,911 |
| Total domestic deposits to total assets | 87.7691% | 1,892 |
| Equity capital to assets | 11.7891% | 2,331 |
| Core capital (leverage) ratio | 6.8686% | 7,621 |
| Tier 1 risk-based capital ratio | 11.0005% | 5,876 |
| Total risk-based capital ratio | 11.5900% | 6,484 |
| Memoranda: | ||
| Average total assets | $30,881,000 | 7,571 |
| Average earning assets | $26,877,000 | 7,603 |
| Average equity | $3,548,330 | 7,556 |
| Average total loans | $20,938,330 | 7,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6527% | 634 |
| Cost of funding earning assets | 1.3485% | 6,879 |
| Net interest margin | 5.3042% | 230 |
| Noninterest income to average assets | 0.6959% | 2,913 |
| Noninterest expense to average assets | 2.9510% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0104% | 345 |
| Return on assets (ROA) | 0.6314% | 4,058 |
| Pretax return on assets | 0.7216% | 4,351 |
| Return on Equity (ROE) | 5.5666% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.5666% | 2,836 |
| Net charge-offs to loans | -0.0583% | 7,741 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1275% | 6,958 |
| Assets per employee ($millions) | 3.4453% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5203% | 7,792 |
| Loan loss allowance to noncurrent loans | 400.0000% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 7,332 |
| Noncurrent loans to loans | 0.1301% | 7,145 |
| Net loans and leases to total assets | 66.5893% | 4,444 |
| Net loans and leases to deposits | 75.3522% | 5,304 |
| Net loans and leases to core deposits | 80.5336% | 6,343 |
| Total domestic deposits to total assets | 88.3707% | 1,533 |
| Equity capital to assets | 11.3842% | 2,665 |
| Core capital (leverage) ratio | 6.5521% | 7,858 |
| Tier 1 risk-based capital ratio | 10.5524% | 6,339 |
| Total risk-based capital ratio | 11.1538% | 6,926 |
| Memoranda: | ||
| Average total assets | $31,040,500 | 7,608 |
| Average earning assets | $26,696,000 | 7,653 |
| Average equity | $3,521,000 | 7,623 |
| Average total loans | $20,584,000 | 7,330 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 7,073 |
| Cost of funding earning assets | 1.1993% | 7,944 |
| Net interest margin | 4.3985% | 1,689 |
| Noninterest income to average assets | 0.7657% | 2,693 |
| Noninterest expense to average assets | 2.2554% | 6,820 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8740% | 462 |
| Return on assets (ROA) | -3.8957% | 7,953 |
| Pretax return on assets | -6.5804% | 8,135 |
| Return on Equity (ROE) | -29.2970% | 7,946 |
| Retained earnings to average equity (ytd only) | -81.5304% | 8,245 |
| Net charge-offs to loans | -0.0270% | 7,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0874% | 7,796 |
| Assets per employee ($millions) | 3.4526% | 4,792 |
| Cash dividends to net income (ytd only)* | -178.2895% | 8,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5144% | 7,830 |
| Loan loss allowance to noncurrent loans | 98.1308% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 6,220 |
| Noncurrent loans to loans | 0.5242% | 5,780 |
| Net loans and leases to total assets | 65.3526% | 4,978 |
| Net loans and leases to deposits | 73.8624% | 5,864 |
| Net loans and leases to core deposits | 80.1033% | 6,608 |
| Total domestic deposits to total assets | 88.4787% | 1,264 |
| Equity capital to assets | 11.3024% | 2,802 |
| Core capital (leverage) ratio | 6.3469% | 7,979 |
| Tier 1 risk-based capital ratio | 10.2007% | 6,516 |
| Total risk-based capital ratio | 10.7875% | 7,183 |
| Memoranda: | ||
| Average total assets | $31,214,000 | 7,593 |
| Average earning assets | $27,850,400 | 7,624 |
| Average equity | $4,150,600 | 7,448 |
| Average total loans | $18,530,400 | 7,428 |