Home > Lamont Bank of St. John > Performance and Condition Ratios
Lamont Bank of St. John, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 2,139 |
| Cost of funding earning assets | 2.3344% | 515 |
| Net interest margin | 2.6337% | 3,924 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.6598% | 4,184 |
| Loan and lease loss provision to assets | 1.5000% | 42 |
| Net operating income to assets | -0.5340% | 4,511 |
| Return on assets (ROA) | -0.4692% | 4,489 |
| Pretax return on assets | -0.4692% | 4,482 |
| Return on Equity (ROE) | -4.3800% | 4,461 |
| Retained earnings to average equity (ytd only) | -7.0085% | 4,429 |
| Net charge-offs to loans | 1.5500% | 58 |
| Credit loss provision to net charge-offs | 156.3235% | 1,435 |
| Earnings coverage of net charge-offs (x) | 1.0059% | 2,785 |
| Efficiency ratio | 63.2653% | 2,699 |
| Assets per employee ($millions) | 13.9374% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 440 |
| Loan loss allowance to noncurrent loans | 89.6476% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.7249% | 197 |
| Noncurrent loans to loans | 2.1381% | 252 |
| Net loans and leases to total assets | 59.7700% | 2,863 |
| Net loans and leases to deposits | 78.8733% | 2,204 |
| Net loans and leases to core deposits | 78.8733% | 2,772 |
| Total domestic deposits to total assets | 75.7800% | 3,962 |
| Equity capital to assets | 10.8227% | 1,574 |
| Core capital (leverage) ratio | 12.4513% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $70,973,400 | 4,102 |
| Average earning assets | $67,168,200 | 4,064 |
| Average equity | $7,605,000 | 3,980 |
| Average total loans | $43,870,400 | 3,938 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 2,259 |
| Cost of funding earning assets | 2.1555% | 539 |
| Net interest margin | 2.6466% | 3,954 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.5148% | 4,305 |
| Loan and lease loss provision to assets | 0.5600% | 135 |
| Net operating income to assets | 0.4417% | 3,888 |
| Return on assets (ROA) | 0.5105% | 3,737 |
| Pretax return on assets | 0.6377% | 3,667 |
| Return on Equity (ROE) | 4.7800% | 3,850 |
| Retained earnings to average equity (ytd only) | 1.2772% | 3,893 |
| Net charge-offs to loans | 0.2774% | 308 |
| Credit loss provision to net charge-offs | 326.0870% | 836 |
| Earnings coverage of net charge-offs (x) | 6.4674% | 2,289 |
| Efficiency ratio | 57.6512% | 3,249 |
| Assets per employee ($millions) | 14.6892% | 211 |
| Cash dividends to net income (ytd only)* | 73.2601% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,610 |
| Loan loss allowance to noncurrent loans | 63.7725% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 300 |
| Noncurrent loans to loans | 2.1373% | 264 |
| Net loans and leases to total assets | 62.9600% | 2,564 |
| Net loans and leases to deposits | 88.8381% | 1,317 |
| Net loans and leases to core deposits | 88.8381% | 1,998 |
| Total domestic deposits to total assets | 70.8700% | 4,299 |
| Equity capital to assets | 10.3450% | 1,620 |
| Core capital (leverage) ratio | 12.7770% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $71,295,000 | 4,118 |
| Average earning assets | $67,607,750 | 4,084 |
| Average equity | $7,620,750 | 3,981 |
| Average total loans | $44,221,250 | 3,939 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 2,684 |
| Cost of funding earning assets | 1.7922% | 743 |
| Net interest margin | 2.6928% | 3,984 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.5416% | 4,300 |
| Loan and lease loss provision to assets | 0.8500% | 83 |
| Net operating income to assets | 0.2278% | 4,249 |
| Return on assets (ROA) | 0.4024% | 4,007 |
| Pretax return on assets | 0.5016% | 3,965 |
| Return on Equity (ROE) | 3.7200% | 4,066 |
| Retained earnings to average equity (ytd only) | -1.5206% | 4,255 |
| Net charge-offs to loans | 0.0692% | 868 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,606 |
| Efficiency ratio | 57.6271% | 3,238 |
| Assets per employee ($millions) | 14.5454% | 212 |
| Cash dividends to net income (ytd only)* | 140.8451% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,112 |
| Loan loss allowance to noncurrent loans | 72.5431% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 279 |
| Noncurrent loans to loans | 2.0994% | 254 |
| Net loans and leases to total assets | 63.6600% | 2,417 |
| Net loans and leases to deposits | 89.4060% | 1,230 |
| Net loans and leases to core deposits | 89.4060% | 1,836 |
| Total domestic deposits to total assets | 71.2000% | 4,321 |
| Equity capital to assets | 10.5408% | 1,582 |
| Core capital (leverage) ratio | 13.1426% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $70,578,000 | 4,141 |
| Average earning assets | $67,068,000 | 4,105 |
| Average equity | $7,628,333 | 3,996 |
| Average total loans | $43,334,667 | 3,968 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,143 |
| Cost of funding earning assets | 1.9229% | 347 |
| Net interest margin | 2.2262% | 4,487 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.5366% | 4,363 |
| Loan and lease loss provision to assets | 1.7300% | 44 |
| Net operating income to assets | -0.9899% | 4,620 |
| Return on assets (ROA) | -0.7251% | 4,599 |
| Pretax return on assets | -0.7251% | 4,585 |
| Return on Equity (ROE) | -6.6200% | 4,573 |
| Retained earnings to average equity (ytd only) | -17.1365% | 4,570 |
| Net charge-offs to loans | 0.1542% | 449 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,735 |
| Efficiency ratio | 67.5949% | 2,024 |
| Assets per employee ($millions) | 13.9510% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 925 |
| Loan loss allowance to noncurrent loans | 19.3243% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 5.3043% | 16 |
| Noncurrent loans to loans | 8.4878% | 17 |
| Net loans and leases to total assets | 61.4700% | 2,515 |
| Net loans and leases to deposits | 75.4412% | 2,164 |
| Net loans and leases to core deposits | 75.4412% | 2,575 |
| Total domestic deposits to total assets | 81.4800% | 3,561 |
| Equity capital to assets | 10.8766% | 1,388 |
| Core capital (leverage) ratio | 12.9872% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $69,503,500 | 4,203 |
| Average earning assets | $65,942,500 | 4,173 |
| Average equity | $7,609,500 | 4,048 |
| Average total loans | $41,495,000 | 4,042 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 1,305 |
| Cost of funding earning assets | 0.4983% | 1,403 |
| Net interest margin | 3.6734% | 1,443 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.4681% | 4,455 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.6755% | 567 |
| Return on assets (ROA) | 1.6755% | 541 |
| Pretax return on assets | 2.0859% | 389 |
| Return on Equity (ROE) | 14.5900% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.0271% | 659 |
| Net charge-offs to loans | 0.3762% | 200 |
| Credit loss provision to net charge-offs | 19.4030% | 1,936 |
| Earnings coverage of net charge-offs (x) | 10.7761% | 2,181 |
| Efficiency ratio | 40.8681% | 4,518 |
| Assets per employee ($millions) | 13.8504% | 255 |
| Cash dividends to net income (ytd only)* | 17.5593% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 2,926 |
| Loan loss allowance to noncurrent loans | 1,873.9130% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,477 |
| Noncurrent loans to loans | 0.0584% | 3,337 |
| Net loans and leases to total assets | 56.2700% | 3,002 |
| Net loans and leases to deposits | 66.9065% | 2,826 |
| Net loans and leases to core deposits | 66.9065% | 3,071 |
| Total domestic deposits to total assets | 84.1000% | 3,185 |
| Equity capital to assets | 11.0206% | 1,249 |
| Core capital (leverage) ratio | 13.6036% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $67,978,800 | 4,248 |
| Average earning assets | $64,817,400 | 4,208 |
| Average equity | $7,807,400 | 4,118 |
| Average total loans | $35,616,000 | 4,144 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 1,133 |
| Cost of funding earning assets | 0.2907% | 2,271 |
| Net interest margin | 3.7735% | 990 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.3735% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8543% | 382 |
| Return on assets (ROA) | 1.8543% | 372 |
| Pretax return on assets | 2.3115% | 267 |
| Return on Equity (ROE) | 15.9800% | 984 |
| Retained earnings to average equity (ytd only) | 12.5837% | 680 |
| Net charge-offs to loans | 0.5615% | 114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.0342% | 2,054 |
| Efficiency ratio | 37.2727% | 4,627 |
| Assets per employee ($millions) | 13.4558% | 274 |
| Cash dividends to net income (ytd only)* | 21.2540% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.6400% | 2,937 |
| Net loans and leases to deposits | 64.5715% | 2,819 |
| Net loans and leases to core deposits | 64.5715% | 3,066 |
| Total domestic deposits to total assets | 86.1700% | 3,028 |
| Equity capital to assets | 10.7403% | 1,276 |
| Core capital (leverage) ratio | 13.3724% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $67,660,500 | 4,281 |
| Average earning assets | $64,659,250 | 4,240 |
| Average equity | $7,851,250 | 4,155 |
| Average total loans | $34,670,500 | 4,183 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 1,155 |
| Cost of funding earning assets | 0.1635% | 3,393 |
| Net interest margin | 3.7132% | 890 |
| Noninterest income to average assets | 0.0679% | 4,589 |
| Noninterest expense to average assets | 1.3129% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8499% | 304 |
| Return on assets (ROA) | 1.8499% | 300 |
| Pretax return on assets | 2.3072% | 218 |
| Return on Equity (ROE) | 15.5590% | 786 |
| Retained earnings to average equity (ytd only) | 10.5960% | 877 |
| Net charge-offs to loans | 0.6425% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.2407% | 1,861 |
| Efficiency ratio | 36.2673% | 4,676 |
| Assets per employee ($millions) | 13.4590% | 266 |
| Cash dividends to net income (ytd only)* | 31.8979% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,850 |
| Loan loss allowance to noncurrent loans | 14,366.6667% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,005 |
| Noncurrent loans to loans | 0.0081% | 3,934 |
| Net loans and leases to total assets | 54.1199% | 2,950 |
| Net loans and leases to deposits | 65.8959% | 2,551 |
| Net loans and leases to core deposits | 65.8959% | 2,827 |
| Total domestic deposits to total assets | 82.1294% | 3,991 |
| Equity capital to assets | 11.0573% | 1,182 |
| Core capital (leverage) ratio | 13.3715% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,787,667 | 4,324 |
| Average earning assets | $64,849,333 | 4,297 |
| Average equity | $8,059,667 | 4,197 |
| Average total loans | $33,617,667 | 4,253 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 1,358 |
| Cost of funding earning assets | 0.1411% | 3,613 |
| Net interest margin | 3.5225% | 1,045 |
| Noninterest income to average assets | 0.0706% | 4,604 |
| Noninterest expense to average assets | 1.3111% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7168% | 395 |
| Return on assets (ROA) | 1.7168% | 398 |
| Pretax return on assets | 2.1342% | 283 |
| Return on Equity (ROE) | 13.9563% | 837 |
| Retained earnings to average equity (ytd only) | 4.3972% | 2,803 |
| Net charge-offs to loans | 1.1750% | 60 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.8617% | 1,647 |
| Efficiency ratio | 38.0546% | 4,682 |
| Assets per employee ($millions) | 13.3914% | 285 |
| Cash dividends to net income (ytd only)* | 68.4932% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,150 |
| Loan loss allowance to noncurrent loans | 449.4949% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,762 |
| Noncurrent loans to loans | 0.2985% | 2,400 |
| Net loans and leases to total assets | 48.8627% | 3,294 |
| Net loans and leases to deposits | 55.6213% | 3,297 |
| Net loans and leases to core deposits | 55.6213% | 3,477 |
| Total domestic deposits to total assets | 87.8489% | 2,594 |
| Equity capital to assets | 11.7404% | 1,045 |
| Core capital (leverage) ratio | 12.6488% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,034,000 | 4,347 |
| Average earning assets | $65,180,500 | 4,315 |
| Average equity | $8,369,000 | 4,230 |
| Average total loans | $32,001,000 | 4,293 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 1,398 |
| Cost of funding earning assets | 0.1658% | 3,814 |
| Net interest margin | 3.8169% | 973 |
| Noninterest income to average assets | 0.0809% | 4,656 |
| Noninterest expense to average assets | 1.4877% | 4,559 |
| Loan and lease loss provision to assets | 0.1266% | 968 |
| Net operating income to assets | 1.6754% | 670 |
| Return on assets (ROA) | 1.6754% | 701 |
| Pretax return on assets | 2.0844% | 510 |
| Return on Equity (ROE) | 12.8493% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.6791% | 583 |
| Net charge-offs to loans | -0.0415% | 4,238 |
| Credit loss provision to net charge-offs | -638.4615% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2228% | 4,683 |
| Assets per employee ($millions) | 13.8222% | 252 |
| Cash dividends to net income (ytd only)* | 9.1075% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.8440% | 3,848 |
| Net loans and leases to deposits | 50.6731% | 3,838 |
| Net loans and leases to core deposits | 50.6731% | 3,981 |
| Total domestic deposits to total assets | 86.5231% | 2,706 |
| Equity capital to assets | 12.8446% | 945 |
| Core capital (leverage) ratio | 12.3525% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,536,000 | 4,385 |
| Average earning assets | $62,118,600 | 4,360 |
| Average equity | $8,545,200 | 4,291 |
| Average total loans | $31,334,600 | 4,354 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 1,170 |
| Cost of funding earning assets | 0.1748% | 3,871 |
| Net interest margin | 3.9845% | 816 |
| Noninterest income to average assets | 0.0701% | 4,755 |
| Noninterest expense to average assets | 1.3304% | 4,728 |
| Loan and lease loss provision to assets | 0.1717% | 631 |
| Net operating income to assets | 1.8708% | 588 |
| Return on assets (ROA) | 1.8708% | 608 |
| Pretax return on assets | 2.3307% | 441 |
| Return on Equity (ROE) | 14.2906% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.7150% | 680 |
| Net charge-offs to loans | -0.0509% | 4,364 |
| Credit loss provision to net charge-offs | -691.6667% | 3,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7147% | 4,830 |
| Assets per employee ($millions) | 11.5552% | 424 |
| Cash dividends to net income (ytd only)* | 11.0254% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 1,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.4929% | 3,755 |
| Net loans and leases to deposits | 53.7269% | 3,765 |
| Net loans and leases to core deposits | 53.7269% | 3,936 |
| Total domestic deposits to total assets | 86.5356% | 2,541 |
| Equity capital to assets | 12.7692% | 1,065 |
| Core capital (leverage) ratio | 13.4218% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9912% | 814 |
| Memoranda: | ||
| Average total assets | $64,642,250 | 4,457 |
| Average earning assets | $61,035,000 | 4,433 |
| Average equity | $8,462,250 | 4,354 |
| Average total loans | $31,458,250 | 4,413 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 1,355 |
| Cost of funding earning assets | 0.1909% | 3,841 |
| Net interest margin | 3.9051% | 962 |
| Noninterest income to average assets | 0.0698% | 4,789 |
| Noninterest expense to average assets | 1.3221% | 4,778 |
| Loan and lease loss provision to assets | 0.0983% | 1,287 |
| Net operating income to assets | 1.8833% | 613 |
| Return on assets (ROA) | 1.8833% | 638 |
| Pretax return on assets | 2.3463% | 448 |
| Return on Equity (ROE) | 14.2583% | 1,335 |
| Retained earnings to average equity (ytd only) | 11.8579% | 949 |
| Net charge-offs to loans | -0.3288% | 4,849 |
| Credit loss provision to net charge-offs | -60.7843% | 3,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1010% | 4,857 |
| Assets per employee ($millions) | 10.3903% | 545 |
| Cash dividends to net income (ytd only)* | 16.8350% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 1,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.4567% | 3,201 |
| Net loans and leases to deposits | 62.4375% | 3,160 |
| Net loans and leases to core deposits | 62.4375% | 3,423 |
| Total domestic deposits to total assets | 85.6164% | 2,871 |
| Equity capital to assets | 13.6922% | 784 |
| Core capital (leverage) ratio | 13.0746% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,079,333 | 4,501 |
| Average earning assets | $59,716,333 | 4,475 |
| Average equity | $8,332,000 | 4,389 |
| Average total loans | $31,020,333 | 4,453 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 1,988 |
| Cost of funding earning assets | 0.2394% | 3,567 |
| Net interest margin | 3.5975% | 1,597 |
| Noninterest income to average assets | 0.0757% | 4,783 |
| Noninterest expense to average assets | 1.3113% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7463% | 870 |
| Return on assets (ROA) | 1.7463% | 923 |
| Pretax return on assets | 2.1750% | 715 |
| Return on Equity (ROE) | 13.4629% | 1,551 |
| Retained earnings to average equity (ytd only) | 8.6027% | 2,062 |
| Net charge-offs to loans | -0.6891% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6130% | 4,815 |
| Assets per employee ($millions) | 10.7225% | 483 |
| Cash dividends to net income (ytd only)* | 36.1011% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.9340% | 3,894 |
| Net loans and leases to deposits | 54.1469% | 3,927 |
| Net loans and leases to core deposits | 54.1469% | 4,088 |
| Total domestic deposits to total assets | 86.6791% | 2,451 |
| Equity capital to assets | 12.8872% | 949 |
| Core capital (leverage) ratio | 12.4317% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,448,000 | 4,514 |
| Average earning assets | $60,153,000 | 4,486 |
| Average equity | $8,230,000 | 4,417 |
| Average total loans | $29,605,000 | 4,503 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 1,543 |
| Cost of funding earning assets | 0.3930% | 3,622 |
| Net interest margin | 4.0222% | 932 |
| Noninterest income to average assets | 0.0735% | 4,811 |
| Noninterest expense to average assets | 1.5628% | 4,730 |
| Loan and lease loss provision to assets | 1.1076% | 74 |
| Net operating income to assets | 1.0038% | 2,278 |
| Return on assets (ROA) | 1.0538% | 2,228 |
| Pretax return on assets | 1.2796% | 2,048 |
| Return on Equity (ROE) | 7.7313% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.4165% | 1,627 |
| Net charge-offs to loans | 1.5084% | 68 |
| Credit loss provision to net charge-offs | 142.0690% | 2,470 |
| Earnings coverage of net charge-offs (x) | 2.9839% | 3,122 |
| Efficiency ratio | 40.1843% | 4,866 |
| Assets per employee ($millions) | 10.4268% | 466 |
| Cash dividends to net income (ytd only)* | 17.0068% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.8810% | 4,204 |
| Net loans and leases to deposits | 52.0223% | 4,215 |
| Net loans and leases to core deposits | 52.0223% | 4,340 |
| Total domestic deposits to total assets | 86.2726% | 2,243 |
| Equity capital to assets | 13.0577% | 1,066 |
| Core capital (leverage) ratio | 12.8216% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,798,600 | 4,574 |
| Average earning assets | $52,931,200 | 4,540 |
| Average equity | $7,605,400 | 4,466 |
| Average total loans | $28,838,600 | 4,537 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,220 |
| Cost of funding earning assets | 0.4336% | 3,620 |
| Net interest margin | 4.2011% | 731 |
| Noninterest income to average assets | 0.0665% | 4,859 |
| Noninterest expense to average assets | 1.4095% | 4,858 |
| Loan and lease loss provision to assets | 1.5062% | 57 |
| Net operating income to assets | 0.9432% | 2,547 |
| Return on assets (ROA) | 1.0128% | 2,422 |
| Pretax return on assets | 1.2222% | 2,311 |
| Return on Equity (ROE) | 7.3412% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.5550% | 2,298 |
| Net charge-offs to loans | 2.5819% | 38 |
| Credit loss provision to net charge-offs | 109.1071% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.9161% | 3,031 |
| Efficiency ratio | 34.7720% | 4,964 |
| Assets per employee ($millions) | 9.3025% | 634 |
| Cash dividends to net income (ytd only)* | 24.3309% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 59.0737% | 3,316 |
| Net loans and leases to deposits | 71.4252% | 3,184 |
| Net loans and leases to core deposits | 71.4252% | 3,526 |
| Total domestic deposits to total assets | 82.7072% | 3,218 |
| Equity capital to assets | 14.3169% | 781 |
| Core capital (leverage) ratio | 13.9886% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,108,000 | 4,619 |
| Average earning assets | $51,350,250 | 4,585 |
| Average equity | $7,464,500 | 4,506 |
| Average total loans | $28,918,000 | 4,558 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 1,670 |
| Cost of funding earning assets | 0.4980% | 3,542 |
| Net interest margin | 4.0901% | 1,137 |
| Noninterest income to average assets | 0.0710% | 4,863 |
| Noninterest expense to average assets | 1.4307% | 4,886 |
| Loan and lease loss provision to assets | 2.1891% | 49 |
| Net operating income to assets | 0.3140% | 4,393 |
| Return on assets (ROA) | 0.4296% | 4,235 |
| Pretax return on assets | 0.4744% | 4,289 |
| Return on Equity (ROE) | 3.1554% | 4,314 |
| Retained earnings to average equity (ytd only) | 0.4116% | 4,229 |
| Net charge-offs to loans | 4.0928% | 24 |
| Credit loss provision to net charge-offs | 104.2705% | 2,370 |
| Earnings coverage of net charge-offs (x) | 1.2082% | 2,874 |
| Efficiency ratio | 36.0640% | 4,980 |
| Assets per employee ($millions) | 8.9698% | 683 |
| Cash dividends to net income (ytd only)* | 86.9565% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 3,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 3,779 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.4425% | 3,560 |
| Net loans and leases to deposits | 72.0898% | 3,253 |
| Net loans and leases to core deposits | 72.0898% | 3,588 |
| Total domestic deposits to total assets | 79.6819% | 3,901 |
| Equity capital to assets | 14.1957% | 814 |
| Core capital (leverage) ratio | 13.6641% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,539,000 | 4,643 |
| Average earning assets | $51,001,667 | 4,603 |
| Average equity | $7,289,000 | 4,542 |
| Average total loans | $27,463,000 | 4,607 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,825 |
| Cost of funding earning assets | 0.5883% | 3,491 |
| Net interest margin | 3.7418% | 2,174 |
| Noninterest income to average assets | 0.0824% | 4,886 |
| Noninterest expense to average assets | 1.4008% | 4,962 |
| Loan and lease loss provision to assets | 4.3896% | 20 |
| Net operating income to assets | -2.1349% | 5,057 |
| Return on assets (ROA) | -1.9401% | 5,038 |
| Pretax return on assets | -1.9401% | 5,023 |
| Return on Equity (ROE) | -14.5639% | 5,036 |
| Retained earnings to average equity (ytd only) | -20.1870% | 4,966 |
| Net charge-offs to loans | 8.9861% | 7 |
| Credit loss provision to net charge-offs | 101.9130% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.5235% | 2,459 |
| Efficiency ratio | 38.3197% | 5,006 |
| Assets per employee ($millions) | 10.8556% | 315 |
| Cash dividends to net income (ytd only)* | -38.6100% | 5,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,800 |
| Loan loss allowance to noncurrent loans | 2,710.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 3,837 |
| Noncurrent loans to loans | 0.0362% | 4,415 |
| Net loans and leases to total assets | 50.3666% | 4,224 |
| Net loans and leases to deposits | 61.1547% | 4,153 |
| Net loans and leases to core deposits | 61.1547% | 4,305 |
| Total domestic deposits to total assets | 82.3593% | 3,313 |
| Equity capital to assets | 12.7823% | 1,557 |
| Core capital (leverage) ratio | 12.9515% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8959% | 879 |
| Memoranda: | ||
| Average total assets | $53,399,000 | 4,659 |
| Average earning assets | $50,991,500 | 4,623 |
| Average equity | $7,113,500 | 4,587 |
| Average total loans | $25,595,000 | 4,680 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 3,346 |
| Cost of funding earning assets | 0.6838% | 3,239 |
| Net interest margin | 3.6818% | 2,863 |
| Noninterest income to average assets | 0.0776% | 4,980 |
| Noninterest expense to average assets | 1.5814% | 4,959 |
| Loan and lease loss provision to assets | 0.2864% | 601 |
| Net operating income to assets | 1.4283% | 1,246 |
| Return on assets (ROA) | 1.4481% | 1,260 |
| Pretax return on assets | 1.7465% | 1,074 |
| Return on Equity (ROE) | 10.8453% | 1,949 |
| Retained earnings to average equity (ytd only) | 9.3555% | 626 |
| Net charge-offs to loans | 1.0728% | 150 |
| Credit loss provision to net charge-offs | 64.5740% | 2,979 |
| Earnings coverage of net charge-offs (x) | 4.5291% | 3,205 |
| Efficiency ratio | 44.0443% | 4,976 |
| Assets per employee ($millions) | 10.5040% | 324 |
| Cash dividends to net income (ytd only)* | 13.7363% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 2,942 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 3,794 |
| Noncurrent loans to loans | 0.0424% | 4,389 |
| Net loans and leases to total assets | 44.4040% | 4,588 |
| Net loans and leases to deposits | 51.8406% | 4,607 |
| Net loans and leases to core deposits | 51.8406% | 4,711 |
| Total domestic deposits to total assets | 85.6550% | 2,218 |
| Equity capital to assets | 13.8785% | 1,146 |
| Core capital (leverage) ratio | 13.9488% | 940 |
| Tier 1 risk-based capital ratio | 22.4075% | 977 |
| Total risk-based capital ratio | 23.2196% | 1,005 |
| Memoranda: | ||
| Average total assets | $50,272,600 | 4,739 |
| Average earning assets | $47,966,200 | 4,712 |
| Average equity | $6,712,600 | 4,666 |
| Average total loans | $20,787,200 | 4,844 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 4,082 |
| Cost of funding earning assets | 0.7079% | 3,173 |
| Net interest margin | 3.4241% | 3,794 |
| Noninterest income to average assets | 0.0644% | 5,081 |
| Noninterest expense to average assets | 1.4725% | 5,084 |
| Loan and lease loss provision to assets | 0.3862% | 338 |
| Net operating income to assets | 1.2122% | 2,153 |
| Return on assets (ROA) | 1.2606% | 2,064 |
| Pretax return on assets | 1.5342% | 1,854 |
| Return on Equity (ROE) | 9.5402% | 2,653 |
| Retained earnings to average equity (ytd only) | 7.5104% | 1,618 |
| Net charge-offs to loans | 1.4801% | 86 |
| Credit loss provision to net charge-offs | 64.5740% | 2,674 |
| Earnings coverage of net charge-offs (x) | 3.1121% | 3,133 |
| Efficiency ratio | 44.1673% | 5,004 |
| Assets per employee ($millions) | 10.1814% | 333 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 2,963 |
| Loan loss allowance to noncurrent loans | 8,666.6667% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,925 |
| Noncurrent loans to loans | 0.0128% | 4,620 |
| Net loans and leases to total assets | 45.3985% | 4,638 |
| Net loans and leases to deposits | 55.6181% | 4,568 |
| Net loans and leases to core deposits | 55.6181% | 4,700 |
| Total domestic deposits to total assets | 81.6253% | 3,580 |
| Equity capital to assets | 13.8665% | 1,206 |
| Core capital (leverage) ratio | 13.3727% | 1,187 |
| Tier 1 risk-based capital ratio | 22.4465% | 1,018 |
| Total risk-based capital ratio | 23.2914% | 1,041 |
| Memoranda: | ||
| Average total assets | $49,710,750 | 4,819 |
| Average earning assets | $47,466,250 | 4,788 |
| Average equity | $6,568,500 | 4,748 |
| Average total loans | $20,088,750 | 4,933 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 3,895 |
| Cost of funding earning assets | 0.6545% | 3,387 |
| Net interest margin | 3.5574% | 3,413 |
| Noninterest income to average assets | 0.0568% | 5,144 |
| Noninterest expense to average assets | 1.3668% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7116% | 712 |
| Return on assets (ROA) | 1.7116% | 739 |
| Pretax return on assets | 2.0847% | 571 |
| Return on Equity (ROE) | 13.1772% | 1,188 |
| Retained earnings to average equity (ytd only) | 10.0546% | 738 |
| Net charge-offs to loans | 1.5162% | 77 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.5694% | 2,829 |
| Efficiency ratio | 39.6005% | 5,173 |
| Assets per employee ($millions) | 9.9466% | 337 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,960 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 43.1323% | 4,750 |
| Net loans and leases to deposits | 52.9694% | 4,713 |
| Net loans and leases to core deposits | 52.9694% | 4,802 |
| Total domestic deposits to total assets | 81.4288% | 3,685 |
| Equity capital to assets | 13.9022% | 1,159 |
| Core capital (leverage) ratio | 13.5897% | 1,080 |
| Tier 1 risk-based capital ratio | 23.7380% | 872 |
| Total risk-based capital ratio | 24.4173% | 908 |
| Memoranda: | ||
| Average total assets | $49,312,000 | 4,858 |
| Average earning assets | $47,057,000 | 4,832 |
| Average equity | $6,405,000 | 4,793 |
| Average total loans | $18,994,670 | 4,996 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 4,166 |
| Cost of funding earning assets | 0.6286% | 3,417 |
| Net interest margin | 3.4571% | 3,725 |
| Noninterest income to average assets | 0.0407% | 5,235 |
| Noninterest expense to average assets | 1.3930% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6130% | 871 |
| Return on assets (ROA) | 1.6130% | 904 |
| Pretax return on assets | 1.9633% | 681 |
| Return on Equity (ROE) | 12.8770% | 1,261 |
| Retained earnings to average equity (ytd only) | 6.3735% | 2,288 |
| Net charge-offs to loans | 0.3169% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 17.2143% | 1,668 |
| Efficiency ratio | 41.5049% | 5,174 |
| Assets per employee ($millions) | 9.7864% | 365 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 798 |
| Loan loss allowance to noncurrent loans | 77.0142% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 1,363 |
| Noncurrent loans to loans | 2.2555% | 622 |
| Net loans and leases to total assets | 37.5725% | 4,966 |
| Net loans and leases to deposits | 43.2751% | 5,004 |
| Net loans and leases to core deposits | 43.2751% | 5,054 |
| Total domestic deposits to total assets | 86.8225% | 1,898 |
| Equity capital to assets | 12.9384% | 1,491 |
| Core capital (leverage) ratio | 13.0133% | 1,270 |
| Tier 1 risk-based capital ratio | 25.1699% | 753 |
| Total risk-based capital ratio | 26.4111% | 731 |
| Memoranda: | ||
| Average total assets | $49,101,500 | 4,918 |
| Average earning assets | $47,092,000 | 4,880 |
| Average equity | $6,150,500 | 4,871 |
| Average total loans | $17,669,000 | 5,089 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 4,108 |
| Cost of funding earning assets | 0.5596% | 2,990 |
| Net interest margin | 3.4115% | 3,973 |
| Noninterest income to average assets | 0.0807% | 5,205 |
| Noninterest expense to average assets | 1.4780% | 5,237 |
| Loan and lease loss provision to assets | 0.0642% | 2,874 |
| Net operating income to assets | 1.3655% | 1,552 |
| Return on assets (ROA) | 1.3704% | 1,519 |
| Pretax return on assets | 1.8258% | 858 |
| Return on Equity (ROE) | 11.7089% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.3824% | 552 |
| Net charge-offs to loans | 0.0477% | 2,479 |
| Credit loss provision to net charge-offs | 387.5000% | 847 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 672 |
| Efficiency ratio | 43.9655% | 5,181 |
| Assets per employee ($millions) | 9.8542% | 355 |
| Cash dividends to net income (ytd only)* | 11.3293% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 442 |
| Loan loss allowance to noncurrent loans | 33,900.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 4,005 |
| Noncurrent loans to loans | 0.0060% | 4,794 |
| Net loans and leases to total assets | 33.0600% | 5,147 |
| Net loans and leases to deposits | 37.8102% | 5,158 |
| Net loans and leases to core deposits | 37.8102% | 5,195 |
| Total domestic deposits to total assets | 87.4368% | 1,570 |
| Equity capital to assets | 12.1167% | 1,810 |
| Core capital (leverage) ratio | 13.1419% | 1,192 |
| Tier 1 risk-based capital ratio | 24.0090% | 829 |
| Total risk-based capital ratio | 25.2588% | 810 |
| Memoranda: | ||
| Average total assets | $48,308,200 | 4,964 |
| Average earning assets | $46,460,600 | 4,922 |
| Average equity | $5,653,800 | 4,947 |
| Average total loans | $16,754,200 | 5,153 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 4,011 |
| Cost of funding earning assets | 0.5553% | 2,831 |
| Net interest margin | 3.4183% | 3,953 |
| Noninterest income to average assets | 0.0749% | 5,282 |
| Noninterest expense to average assets | 1.3176% | 5,364 |
| Loan and lease loss provision to assets | 0.0222% | 3,576 |
| Net operating income to assets | 1.6658% | 807 |
| Return on assets (ROA) | 1.6726% | 800 |
| Pretax return on assets | 2.0388% | 566 |
| Return on Equity (ROE) | 14.4218% | 1,006 |
| Retained earnings to average equity (ytd only) | 12.6280% | 403 |
| Net charge-offs to loans | -0.0715% | 5,060 |
| Credit loss provision to net charge-offs | -88.8889% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0947% | 5,351 |
| Assets per employee ($millions) | 9.1442% | 430 |
| Cash dividends to net income (ytd only)* | 12.4381% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9013% | 592 |
| Loan loss allowance to noncurrent loans | 333.0000% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,848 |
| Noncurrent loans to loans | 0.5710% | 2,664 |
| Net loans and leases to total assets | 37.5779% | 5,093 |
| Net loans and leases to deposits | 43.8280% | 5,115 |
| Net loans and leases to core deposits | 43.8280% | 5,168 |
| Total domestic deposits to total assets | 85.7396% | 2,306 |
| Equity capital to assets | 12.2788% | 1,718 |
| Core capital (leverage) ratio | 12.9551% | 1,304 |
| Tier 1 risk-based capital ratio | 26.6132% | 641 |
| Total risk-based capital ratio | 27.8623% | 634 |
| Memoranda: | ||
| Average total assets | $48,067,500 | 5,027 |
| Average earning assets | $46,337,250 | 4,981 |
| Average equity | $5,574,750 | 5,014 |
| Average total loans | $16,785,750 | 5,214 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 4,292 |
| Cost of funding earning assets | 0.4864% | 3,119 |
| Net interest margin | 3.3373% | 4,138 |
| Noninterest income to average assets | 0.0737% | 5,343 |
| Noninterest expense to average assets | 1.1546% | 5,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7586% | 637 |
| Return on assets (ROA) | 1.7687% | 627 |
| Pretax return on assets | 2.1617% | 420 |
| Return on Equity (ROE) | 15.5349% | 752 |
| Retained earnings to average equity (ytd only) | 12.8379% | 404 |
| Net charge-offs to loans | -0.1088% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9442% | 5,459 |
| Assets per employee ($millions) | 9.9898% | 315 |
| Cash dividends to net income (ytd only)* | 17.3611% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 857 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 3,999 |
| Noncurrent loans to loans | 0.5326% | 2,820 |
| Net loans and leases to total assets | 36.9377% | 5,152 |
| Net loans and leases to deposits | 47.1000% | 5,058 |
| Net loans and leases to core deposits | 47.1000% | 5,121 |
| Total domestic deposits to total assets | 78.4240% | 4,521 |
| Equity capital to assets | 11.1554% | 2,499 |
| Core capital (leverage) ratio | 12.5650% | 1,400 |
| Tier 1 risk-based capital ratio | 22.9288% | 939 |
| Total risk-based capital ratio | 24.1186% | 929 |
| Memoranda: | ||
| Average total assets | $48,849,670 | 5,071 |
| Average earning assets | $47,284,000 | 5,018 |
| Average equity | $5,561,670 | 5,066 |
| Average total loans | $16,543,000 | 5,281 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,026 |
| Cost of funding earning assets | 0.4363% | 3,322 |
| Net interest margin | 3.4309% | 3,773 |
| Noninterest income to average assets | 0.0663% | 5,436 |
| Noninterest expense to average assets | 1.1014% | 5,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8678% | 491 |
| Return on assets (ROA) | 1.8882% | 470 |
| Pretax return on assets | 2.3106% | 310 |
| Return on Equity (ROE) | 16.4132% | 565 |
| Retained earnings to average equity (ytd only) | 16.4132% | 225 |
| Net charge-offs to loans | -4.2523% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5183% | 5,550 |
| Assets per employee ($millions) | 9.6132% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9888% | 157 |
| Loan loss allowance to noncurrent loans | 195.9184% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 2,818 |
| Noncurrent loans to loans | 1.5255% | 1,150 |
| Net loans and leases to total assets | 32.4138% | 5,313 |
| Net loans and leases to deposits | 37.1793% | 5,333 |
| Net loans and leases to core deposits | 37.1793% | 5,371 |
| Total domestic deposits to total assets | 87.1822% | 2,055 |
| Equity capital to assets | 11.3635% | 2,248 |
| Core capital (leverage) ratio | 12.3772% | 1,442 |
| Tier 1 risk-based capital ratio | 24.7848% | 766 |
| Total risk-based capital ratio | 26.0397% | 753 |
| Memoranda: | ||
| Average total assets | $48,300,000 | 5,138 |
| Average earning assets | $46,751,500 | 5,085 |
| Average equity | $5,556,500 | 5,126 |
| Average total loans | $15,427,000 | 5,370 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 4,697 |
| Cost of funding earning assets | 0.3211% | 3,939 |
| Net interest margin | 3.2271% | 4,369 |
| Noninterest income to average assets | 0.0391% | 5,556 |
| Noninterest expense to average assets | 1.3896% | 5,526 |
| Loan and lease loss provision to assets | 0.0282% | 3,711 |
| Net operating income to assets | 1.2137% | 1,476 |
| Return on assets (ROA) | 1.2289% | 1,449 |
| Pretax return on assets | 1.7631% | 870 |
| Return on Equity (ROE) | 10.4683% | 1,689 |
| Retained earnings to average equity (ytd only) | 9.5435% | 416 |
| Net charge-offs to loans | 0.0218% | 3,373 |
| Credit loss provision to net charge-offs | 433.3333% | 715 |
| Earnings coverage of net charge-offs (x) | 271.6667% | 311 |
| Efficiency ratio | 43.9863% | 5,453 |
| Assets per employee ($millions) | 9.7500% | 349 |
| Cash dividends to net income (ytd only)* | 8.8339% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1360% | 415 |
| Loan loss allowance to noncurrent loans | 174.5856% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 3,380 |
| Noncurrent loans to loans | 1.2235% | 1,445 |
| Net loans and leases to total assets | 29.6985% | 5,441 |
| Net loans and leases to deposits | 33.7624% | 5,461 |
| Net loans and leases to core deposits | 33.7624% | 5,489 |
| Total domestic deposits to total assets | 87.9631% | 1,524 |
| Equity capital to assets | 11.5323% | 2,178 |
| Core capital (leverage) ratio | 12.0967% | 1,555 |
| Tier 1 risk-based capital ratio | 23.4335% | 861 |
| Total risk-based capital ratio | 24.6835% | 849 |
| Memoranda: | ||
| Average total assets | $46,056,200 | 5,229 |
| Average earning assets | $44,528,600 | 5,180 |
| Average equity | $5,406,800 | 5,201 |
| Average total loans | $13,748,200 | 5,469 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 4,650 |
| Cost of funding earning assets | 0.3218% | 3,921 |
| Net interest margin | 3.2423% | 4,350 |
| Noninterest income to average assets | 0.0235% | 5,647 |
| Noninterest expense to average assets | 1.3456% | 5,596 |
| Loan and lease loss provision to assets | 0.0382% | 3,342 |
| Net operating income to assets | 1.2351% | 1,560 |
| Return on assets (ROA) | 1.2574% | 1,508 |
| Pretax return on assets | 1.8097% | 868 |
| Return on Equity (ROE) | 10.6604% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.4151% | 730 |
| Net charge-offs to loans | 0.0395% | 2,646 |
| Credit loss provision to net charge-offs | 325.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 154.5929% | 525 |
| Efficiency ratio | 42.5651% | 5,525 |
| Assets per employee ($millions) | 9.5140% | 369 |
| Cash dividends to net income (ytd only)* | 11.6832% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1450% | 446 |
| Loan loss allowance to noncurrent loans | 165.7895% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 3,432 |
| Noncurrent loans to loans | 1.2938% | 1,478 |
| Net loans and leases to total assets | 30.2081% | 5,494 |
| Net loans and leases to deposits | 34.4886% | 5,519 |
| Net loans and leases to core deposits | 34.4886% | 5,545 |
| Total domestic deposits to total assets | 87.5888% | 1,586 |
| Equity capital to assets | 11.8941% | 2,038 |
| Core capital (leverage) ratio | 13.0044% | 1,205 |
| Tier 1 risk-based capital ratio | 23.1010% | 938 |
| Total risk-based capital ratio | 24.3510% | 921 |
| Memoranda: | ||
| Average total assets | $45,382,750 | 5,297 |
| Average earning assets | $43,918,500 | 5,248 |
| Average equity | $5,353,000 | 5,270 |
| Average total loans | $13,486,750 | 5,539 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 4,760 |
| Cost of funding earning assets | 0.3175% | 3,906 |
| Net interest margin | 3.1840% | 4,465 |
| Noninterest income to average assets | 0.0224% | 5,697 |
| Noninterest expense to average assets | 1.3123% | 5,667 |
| Loan and lease loss provision to assets | 0.0582% | 2,807 |
| Net operating income to assets | 1.2162% | 1,552 |
| Return on assets (ROA) | 1.2317% | 1,528 |
| Pretax return on assets | 1.7737% | 891 |
| Return on Equity (ROE) | 10.4735% | 1,844 |
| Retained earnings to average equity (ytd only) | 8.5693% | 976 |
| Net charge-offs to loans | 0.0306% | 2,595 |
| Credit loss provision to net charge-offs | 650.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 409 |
| Efficiency ratio | 42.0373% | 5,573 |
| Assets per employee ($millions) | 8.6440% | 476 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 484 |
| Loan loss allowance to noncurrent loans | 166.8421% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 3,358 |
| Noncurrent loans to loans | 1.2766% | 1,512 |
| Net loans and leases to total assets | 33.7020% | 5,456 |
| Net loans and leases to deposits | 39.4368% | 5,468 |
| Net loans and leases to core deposits | 39.4368% | 5,513 |
| Total domestic deposits to total assets | 85.4581% | 2,629 |
| Equity capital to assets | 12.5752% | 1,587 |
| Core capital (leverage) ratio | 12.4113% | 1,410 |
| Tier 1 risk-based capital ratio | 23.7106% | 880 |
| Total risk-based capital ratio | 24.9609% | 867 |
| Memoranda: | ||
| Average total assets | $44,653,670 | 5,351 |
| Average earning assets | $43,466,670 | 5,295 |
| Average equity | $5,251,330 | 5,323 |
| Average total loans | $13,087,330 | 5,594 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 4,987 |
| Cost of funding earning assets | 0.3075% | 3,963 |
| Net interest margin | 3.0660% | 4,747 |
| Noninterest income to average assets | 0.0088% | 5,798 |
| Noninterest expense to average assets | 1.2607% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2726% | 1,315 |
| Return on assets (ROA) | 1.3048% | 1,260 |
| Pretax return on assets | 1.7809% | 832 |
| Return on Equity (ROE) | 11.4740% | 1,410 |
| Retained earnings to average equity (ytd only) | 7.5976% | 1,613 |
| Net charge-offs to loans | 0.1313% | 1,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 906 |
| Efficiency ratio | 42.0588% | 5,649 |
| Assets per employee ($millions) | 9.0810% | 415 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3436% | 386 |
| Loan loss allowance to noncurrent loans | 163.2432% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 3,558 |
| Noncurrent loans to loans | 1.4357% | 1,406 |
| Net loans and leases to total assets | 27.7150% | 5,636 |
| Net loans and leases to deposits | 31.3878% | 5,664 |
| Net loans and leases to core deposits | 31.3878% | 5,675 |
| Total domestic deposits to total assets | 88.2986% | 1,531 |
| Equity capital to assets | 11.4943% | 2,181 |
| Core capital (leverage) ratio | 11.9205% | 1,679 |
| Tier 1 risk-based capital ratio | 25.3429% | 744 |
| Total risk-based capital ratio | 26.5946% | 725 |
| Memoranda: | ||
| Average total assets | $45,370,500 | 5,399 |
| Average earning assets | $44,227,500 | 5,340 |
| Average equity | $5,159,500 | 5,388 |
| Average total loans | $12,189,500 | 5,675 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0812% | 5,426 |
| Cost of funding earning assets | 0.1522% | 5,409 |
| Net interest margin | 2.9290% | 5,082 |
| Noninterest income to average assets | 0.0202% | 5,825 |
| Noninterest expense to average assets | 1.3882% | 5,780 |
| Loan and lease loss provision to assets | 0.0741% | 2,871 |
| Net operating income to assets | 1.0366% | 2,205 |
| Return on assets (ROA) | 1.1186% | 1,911 |
| Pretax return on assets | 1.5229% | 1,518 |
| Return on Equity (ROE) | 9.7068% | 2,100 |
| Retained earnings to average equity (ytd only) | 8.7323% | 643 |
| Net charge-offs to loans | 0.0370% | 3,284 |
| Credit loss provision to net charge-offs | 825.0000% | 446 |
| Earnings coverage of net charge-offs (x) | 165.2500% | 393 |
| Efficiency ratio | 48.3190% | 5,565 |
| Assets per employee ($millions) | 9.0672% | 415 |
| Cash dividends to net income (ytd only)* | 10.0402% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6625% | 266 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,395 |
| Noncurrent loans to loans | 0.0261% | 5,160 |
| Net loans and leases to total assets | 24.6758% | 5,751 |
| Net loans and leases to deposits | 27.8104% | 5,764 |
| Net loans and leases to core deposits | 27.8104% | 5,776 |
| Total domestic deposits to total assets | 88.7286% | 1,247 |
| Equity capital to assets | 11.2493% | 2,371 |
| Core capital (leverage) ratio | 11.7530% | 1,756 |
| Tier 1 risk-based capital ratio | 26.5507% | 658 |
| Total risk-based capital ratio | 27.8021% | 636 |
| Memoranda: | ||
| Average total assets | $44,519,400 | 5,453 |
| Average earning assets | $43,360,000 | 5,393 |
| Average equity | $5,130,400 | 5,446 |
| Average total loans | $10,802,800 | 5,747 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0835% | 5,484 |
| Cost of funding earning assets | 0.1514% | 5,479 |
| Net interest margin | 2.9321% | 5,128 |
| Noninterest income to average assets | 0.0151% | 5,903 |
| Noninterest expense to average assets | 1.3419% | 5,849 |
| Loan and lease loss provision to assets | 0.0993% | 2,242 |
| Net operating income to assets | 1.0139% | 2,369 |
| Return on assets (ROA) | 1.1463% | 1,929 |
| Pretax return on assets | 1.6157% | 1,343 |
| Return on Equity (ROE) | 9.8869% | 2,100 |
| Retained earnings to average equity (ytd only) | 8.5893% | 944 |
| Net charge-offs to loans | 0.0501% | 2,656 |
| Credit loss provision to net charge-offs | 825.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 127.0769% | 542 |
| Efficiency ratio | 46.7505% | 5,640 |
| Assets per employee ($millions) | 8.5700% | 472 |
| Cash dividends to net income (ytd only)* | 13.1243% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4268% | 362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 28.7118% | 5,739 |
| Net loans and leases to deposits | 33.0513% | 5,774 |
| Net loans and leases to core deposits | 33.0513% | 5,791 |
| Total domestic deposits to total assets | 86.8705% | 1,952 |
| Equity capital to assets | 12.4924% | 1,786 |
| Core capital (leverage) ratio | 12.4851% | 1,403 |
| Tier 1 risk-based capital ratio | 27.4080% | 619 |
| Total risk-based capital ratio | 28.6605% | 606 |
| Memoranda: | ||
| Average total assets | $44,315,250 | 5,511 |
| Average earning assets | $43,153,000 | 5,450 |
| Average equity | $5,138,000 | 5,501 |
| Average total loans | $10,630,250 | 5,813 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0778% | 5,568 |
| Cost of funding earning assets | 0.1463% | 5,569 |
| Net interest margin | 2.9315% | 5,208 |
| Noninterest income to average assets | 0.0134% | 5,979 |
| Noninterest expense to average assets | 1.3392% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0731% | 2,076 |
| Return on assets (ROA) | 1.1606% | 1,842 |
| Pretax return on assets | 1.6606% | 1,193 |
| Return on Equity (ROE) | 10.2638% | 1,940 |
| Retained earnings to average equity (ytd only) | 8.2900% | 1,075 |
| Net charge-offs to loans | 0.0802% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 658 |
| Efficiency ratio | 46.5839% | 5,730 |
| Assets per employee ($millions) | 8.5864% | 462 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 458 |
| Loan loss allowance to noncurrent loans | 1,365.0000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,381 |
| Noncurrent loans to loans | 0.1694% | 4,759 |
| Net loans and leases to total assets | 26.8588% | 5,852 |
| Net loans and leases to deposits | 30.8217% | 5,872 |
| Net loans and leases to core deposits | 30.8217% | 5,884 |
| Total domestic deposits to total assets | 87.1425% | 1,838 |
| Equity capital to assets | 12.3148% | 1,896 |
| Core capital (leverage) ratio | 11.4442% | 2,031 |
| Tier 1 risk-based capital ratio | 26.9221% | 658 |
| Total risk-based capital ratio | 28.1831% | 634 |
| Memoranda: | ||
| Average total assets | $44,803,670 | 5,563 |
| Average earning assets | $43,732,000 | 5,501 |
| Average equity | $5,066,330 | 5,569 |
| Average total loans | $9,970,670 | 5,904 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 5,873 |
| Cost of funding earning assets | 0.1252% | 5,786 |
| Net interest margin | 2.6378% | 5,682 |
| Noninterest income to average assets | 0.0087% | 6,054 |
| Noninterest expense to average assets | 1.3030% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9942% | 2,309 |
| Return on assets (ROA) | 1.0144% | 2,332 |
| Pretax return on assets | 1.3118% | 2,254 |
| Return on Equity (ROE) | 9.3624% | 2,259 |
| Retained earnings to average equity (ytd only) | 5.3269% | 2,753 |
| Net charge-offs to loans | 0.1767% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 36.7500% | 1,067 |
| Efficiency ratio | 50.3378% | 5,613 |
| Assets per employee ($millions) | 8.9782% | 390 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9170% | 240 |
| Loan loss allowance to noncurrent loans | 35.0000% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 1,096 |
| Noncurrent loans to loans | 8.3342% | 64 |
| Net loans and leases to total assets | 20.2401% | 5,989 |
| Net loans and leases to deposits | 22.8544% | 5,998 |
| Net loans and leases to core deposits | 22.8544% | 6,013 |
| Total domestic deposits to total assets | 88.5612% | 1,323 |
| Equity capital to assets | 11.1849% | 2,739 |
| Core capital (leverage) ratio | 10.8628% | 2,555 |
| Tier 1 risk-based capital ratio | 28.5975% | 568 |
| Total risk-based capital ratio | 29.8486% | 555 |
| Memoranda: | ||
| Average total assets | $45,739,500 | 5,599 |
| Average earning assets | $44,734,000 | 5,532 |
| Average equity | $4,956,000 | 5,631 |
| Average total loans | $9,054,000 | 5,981 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6245% | 5,955 |
| Cost of funding earning assets | 0.0696% | 6,064 |
| Net interest margin | 2.5549% | 5,794 |
| Noninterest income to average assets | 0.0088% | 6,087 |
| Noninterest expense to average assets | 1.4532% | 6,005 |
| Loan and lease loss provision to assets | 0.2151% | 967 |
| Net operating income to assets | 0.5672% | 4,433 |
| Return on assets (ROA) | 0.5971% | 4,388 |
| Pretax return on assets | 0.8825% | 3,914 |
| Return on Equity (ROE) | 5.6634% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.6634% | 1,976 |
| Net charge-offs to loans | 0.1568% | 1,811 |
| Credit loss provision to net charge-offs | 700.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 1,322 |
| Efficiency ratio | 57.9685% | 5,148 |
| Assets per employee ($millions) | 9.3176% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1661% | 186 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,725 |
| Noncurrent loans to loans | 0.0114% | 5,490 |
| Net loans and leases to total assets | 18.1849% | 6,074 |
| Net loans and leases to deposits | 20.3346% | 6,088 |
| Net loans and leases to core deposits | 20.3346% | 6,091 |
| Total domestic deposits to total assets | 89.4286% | 895 |
| Equity capital to assets | 10.4984% | 3,366 |
| Core capital (leverage) ratio | 10.6894% | 2,717 |
| Tier 1 risk-based capital ratio | 29.3033% | 538 |
| Total risk-based capital ratio | 30.5562% | 527 |
| Memoranda: | ||
| Average total assets | $45,554,200 | 5,644 |
| Average earning assets | $44,541,600 | 5,567 |
| Average equity | $4,802,800 | 5,697 |
| Average total loans | $8,931,200 | 6,035 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6796% | 6,027 |
| Cost of funding earning assets | 0.0723% | 6,143 |
| Net interest margin | 2.6074% | 5,829 |
| Noninterest income to average assets | 0.0029% | 6,188 |
| Noninterest expense to average assets | 1.3481% | 6,127 |
| Loan and lease loss provision to assets | 0.0618% | 2,946 |
| Net operating income to assets | 0.7653% | 3,611 |
| Return on assets (ROA) | 0.7653% | 3,706 |
| Pretax return on assets | 1.1421% | 3,045 |
| Return on Equity (ROE) | 7.2512% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.2512% | 1,570 |
| Net charge-offs to loans | 0.2080% | 1,246 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 29.2084% | 1,527 |
| Efficiency ratio | 52.8258% | 5,595 |
| Assets per employee ($millions) | 8.7542% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 22.6771% | 6,108 |
| Net loans and leases to deposits | 25.7230% | 6,129 |
| Net loans and leases to core deposits | 25.7230% | 6,137 |
| Total domestic deposits to total assets | 88.1588% | 1,473 |
| Equity capital to assets | 11.3248% | 2,675 |
| Core capital (leverage) ratio | 11.1586% | 2,343 |
| Tier 1 risk-based capital ratio | 43.8052% | 201 |
| Total risk-based capital ratio | 45.0601% | 195 |
| Memoranda: | ||
| Average total assets | $45,295,750 | 5,725 |
| Average earning assets | $44,283,500 | 5,647 |
| Average equity | $4,780,750 | 5,782 |
| Average total loans | $8,976,750 | 6,115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5212% | 6,154 |
| Cost of funding earning assets | 0.0714% | 6,218 |
| Net interest margin | 2.4498% | 6,001 |
| Noninterest income to average assets | 0.0044% | 6,255 |
| Noninterest expense to average assets | 1.2750% | 6,231 |
| Loan and lease loss provision to assets | 0.0742% | 2,632 |
| Net operating income to assets | 0.7248% | 3,765 |
| Return on assets (ROA) | 0.7248% | 3,887 |
| Pretax return on assets | 1.0523% | 3,371 |
| Return on Equity (ROE) | 7.0309% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.0309% | 1,694 |
| Net charge-offs to loans | 0.3491% | 752 |
| Credit loss provision to net charge-offs | 113.3333% | 1,887 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,868 |
| Efficiency ratio | 53.0909% | 5,642 |
| Assets per employee ($millions) | 10.9580% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 1,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 23.3117% | 6,170 |
| Net loans and leases to deposits | 27.6491% | 6,173 |
| Net loans and leases to core deposits | 27.6491% | 6,186 |
| Total domestic deposits to total assets | 84.3128% | 3,442 |
| Equity capital to assets | 10.8756% | 3,017 |
| Core capital (leverage) ratio | 10.4929% | 2,966 |
| Tier 1 risk-based capital ratio | 43.1463% | 216 |
| Total risk-based capital ratio | 44.3981% | 213 |
| Memoranda: | ||
| Average total assets | $45,804,000 | 5,773 |
| Average earning assets | $44,819,670 | 5,691 |
| Average equity | $4,722,000 | 5,850 |
| Average total loans | $8,593,670 | 6,196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3853% | 6,264 |
| Cost of funding earning assets | 0.0612% | 6,325 |
| Net interest margin | 2.3241% | 6,148 |
| Noninterest income to average assets | 0.0085% | 6,318 |
| Noninterest expense to average assets | 1.2823% | 6,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7950% | 3,288 |
| Return on assets (ROA) | 0.7950% | 3,417 |
| Pretax return on assets | 1.0002% | 3,506 |
| Return on Equity (ROE) | 7.9157% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.9157% | 1,597 |
| Net charge-offs to loans | 0.8850% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.8824% | 2,237 |
| Efficiency ratio | 56.1798% | 5,500 |
| Assets per employee ($millions) | 11.5060% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 16.5957% | 6,308 |
| Net loans and leases to deposits | 18.7293% | 6,318 |
| Net loans and leases to core deposits | 18.7293% | 6,319 |
| Total domestic deposits to total assets | 88.6081% | 1,495 |
| Equity capital to assets | 10.4598% | 3,572 |
| Core capital (leverage) ratio | 10.1571% | 3,392 |
| Tier 1 risk-based capital ratio | 32.2517% | 449 |
| Total risk-based capital ratio | 33.4415% | 446 |
| Memoranda: | ||
| Average total assets | $46,790,000 | 5,795 |
| Average earning assets | $45,780,500 | 5,713 |
| Average equity | $4,699,500 | 5,905 |
| Average total loans | $7,684,000 | 6,292 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3705% | 6,362 |
| Cost of funding earning assets | 0.0948% | 6,343 |
| Net interest margin | 2.2757% | 6,279 |
| Noninterest income to average assets | 0.0021% | 6,386 |
| Noninterest expense to average assets | 1.2678% | 6,402 |
| Loan and lease loss provision to assets | 0.5170% | 290 |
| Net operating income to assets | 0.2585% | 5,633 |
| Return on assets (ROA) | 0.2585% | 5,693 |
| Pretax return on assets | 0.4329% | 5,417 |
| Return on Equity (ROE) | 2.8669% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.8669% | 4,196 |
| Net charge-offs to loans | 2.3410% | 66 |
| Credit loss provision to net charge-offs | 134.7594% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.4759% | 4,144 |
| Efficiency ratio | 57.1693% | 5,550 |
| Assets per employee ($millions) | 11.8890% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 514 |
| Loan loss allowance to noncurrent loans | 482.5000% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 5,693 |
| Noncurrent loans to loans | 0.5295% | 4,081 |
| Net loans and leases to total assets | 15.4786% | 6,417 |
| Net loans and leases to deposits | 17.1369% | 6,427 |
| Net loans and leases to core deposits | 17.1369% | 6,424 |
| Total domestic deposits to total assets | 90.3230% | 606 |
| Equity capital to assets | 9.6413% | 4,540 |
| Core capital (leverage) ratio | 9.8738% | 3,746 |
| Tier 1 risk-based capital ratio | 30.2643% | 498 |
| Total risk-based capital ratio | 31.5087% | 496 |
| Memoranda: | ||
| Average total assets | $48,746,600 | 5,816 |
| Average earning assets | $47,457,400 | 5,740 |
| Average equity | $4,395,000 | 6,009 |
| Average total loans | $7,988,200 | 6,369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3530% | 6,448 |
| Cost of funding earning assets | 0.1062% | 6,389 |
| Net interest margin | 2.2468% | 6,362 |
| Noninterest income to average assets | 0.0027% | 6,472 |
| Noninterest expense to average assets | 1.2696% | 6,467 |
| Loan and lease loss provision to assets | 0.2555% | 836 |
| Net operating income to assets | 0.4567% | 5,046 |
| Return on assets (ROA) | 0.4567% | 5,130 |
| Pretax return on assets | 0.6633% | 4,826 |
| Return on Equity (ROE) | 5.1522% | 4,651 |
| Retained earnings to average equity (ytd only) | 5.1522% | 2,986 |
| Net charge-offs to loans | 0.2306% | 1,665 |
| Credit loss provision to net charge-offs | 671.4286% | 448 |
| Earnings coverage of net charge-offs (x) | 24.1382% | 1,559 |
| Efficiency ratio | 58.0124% | 5,444 |
| Assets per employee ($millions) | 11.4780% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7488% | 468 |
| Loan loss allowance to noncurrent loans | 119.5402% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 4,788 |
| Noncurrent loans to loans | 2.2995% | 1,304 |
| Net loans and leases to total assets | 16.0285% | 6,498 |
| Net loans and leases to deposits | 17.8577% | 6,507 |
| Net loans and leases to core deposits | 17.8577% | 6,503 |
| Total domestic deposits to total assets | 89.7565% | 843 |
| Equity capital to assets | 9.9124% | 4,282 |
| Core capital (leverage) ratio | 10.4554% | 3,096 |
| Tier 1 risk-based capital ratio | 27.3094% | 687 |
| Total risk-based capital ratio | 28.5088% | 674 |
| Memoranda: | ||
| Average total assets | $49,044,250 | 5,875 |
| Average earning assets | $47,711,000 | 5,798 |
| Average equity | $4,347,500 | 6,082 |
| Average total loans | $8,096,750 | 6,440 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2276% | 6,548 |
| Cost of funding earning assets | 0.1231% | 6,398 |
| Net interest margin | 2.1045% | 6,492 |
| Noninterest income to average assets | 0.0040% | 6,538 |
| Noninterest expense to average assets | 1.1619% | 6,561 |
| Loan and lease loss provision to assets | 0.3194% | 600 |
| Net operating income to assets | 0.4033% | 5,209 |
| Return on assets (ROA) | 0.4033% | 5,288 |
| Pretax return on assets | 0.5710% | 5,054 |
| Return on Equity (ROE) | 4.7200% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.7200% | 3,139 |
| Net charge-offs to loans | 0.3868% | 1,041 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 13.9375% | 1,944 |
| Efficiency ratio | 56.6148% | 5,690 |
| Assets per employee ($millions) | 11.2930% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 1,188 |
| Loan loss allowance to noncurrent loans | 117.0732% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 4,935 |
| Noncurrent loans to loans | 1.7875% | 1,926 |
| Net loans and leases to total assets | 19.8862% | 6,507 |
| Net loans and leases to deposits | 22.1513% | 6,532 |
| Net loans and leases to core deposits | 22.1513% | 6,535 |
| Total domestic deposits to total assets | 89.7746% | 919 |
| Equity capital to assets | 9.9708% | 4,147 |
| Core capital (leverage) ratio | 9.3276% | 4,555 |
| Tier 1 risk-based capital ratio | 25.3750% | 833 |
| Total risk-based capital ratio | 26.4185% | 839 |
| Memoranda: | ||
| Average total assets | $50,088,330 | 5,904 |
| Average earning assets | $48,752,330 | 5,816 |
| Average equity | $4,279,670 | 6,142 |
| Average total loans | $8,273,330 | 6,498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9777% | 6,649 |
| Cost of funding earning assets | 0.1720% | 6,216 |
| Net interest margin | 1.8058% | 6,629 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.1418% | 6,649 |
| Loan and lease loss provision to assets | 0.6090% | 218 |
| Net operating income to assets | 0.0076% | 6,199 |
| Return on assets (ROA) | 0.0076% | 6,217 |
| Pretax return on assets | 0.0076% | 6,207 |
| Return on Equity (ROE) | 0.0960% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.0960% | 5,522 |
| Net charge-offs to loans | 0.4091% | 882 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 1,888 |
| Efficiency ratio | 64.9351% | 4,702 |
| Assets per employee ($millions) | 13.1485% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5674% | 750 |
| Loan loss allowance to noncurrent loans | 99.0099% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 5,002 |
| Noncurrent loans to loans | 2.5931% | 1,328 |
| Net loans and leases to total assets | 14.4313% | 6,637 |
| Net loans and leases to deposits | 15.7214% | 6,652 |
| Net loans and leases to core deposits | 15.7214% | 6,646 |
| Total domestic deposits to total assets | 91.7937% | 299 |
| Equity capital to assets | 8.1473% | 5,945 |
| Core capital (leverage) ratio | 8.5533% | 5,579 |
| Tier 1 risk-based capital ratio | 23.4044% | 1,088 |
| Total risk-based capital ratio | 24.4288% | 1,103 |
| Memoranda: | ||
| Average total assets | $52,546,500 | 5,899 |
| Average earning assets | $51,169,500 | 5,806 |
| Average equity | $4,167,500 | 6,208 |
| Average total loans | $7,822,500 | 6,581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2316% | 6,679 |
| Cost of funding earning assets | 0.3331% | 5,297 |
| Net interest margin | 1.8985% | 6,668 |
| Noninterest income to average assets | 0.0058% | 6,634 |
| Noninterest expense to average assets | 0.9917% | 6,752 |
| Loan and lease loss provision to assets | 0.1057% | 3,027 |
| Net operating income to assets | 0.5420% | 4,550 |
| Return on assets (ROA) | 0.5420% | 4,671 |
| Pretax return on assets | 0.7265% | 4,432 |
| Return on Equity (ROE) | 6.6356% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.6356% | 1,604 |
| Net charge-offs to loans | 0.9852% | 600 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 5.6234% | 3,258 |
| Efficiency ratio | 54.3730% | 6,101 |
| Assets per employee ($millions) | 13.1248% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 2,649 |
| Loan loss allowance to noncurrent loans | 49.6124% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 4,765 |
| Noncurrent loans to loans | 3.2845% | 1,002 |
| Net loans and leases to total assets | 14.7184% | 6,723 |
| Net loans and leases to deposits | 15.9500% | 6,734 |
| Net loans and leases to core deposits | 15.9500% | 6,730 |
| Total domestic deposits to total assets | 92.2779% | 240 |
| Equity capital to assets | 7.7144% | 6,179 |
| Core capital (leverage) ratio | 8.5506% | 5,608 |
| Tier 1 risk-based capital ratio | 22.8103% | 1,127 |
| Total risk-based capital ratio | 23.4495% | 1,203 |
| Memoranda: | ||
| Average total assets | $52,030,200 | 5,967 |
| Average earning assets | $49,829,000 | 5,894 |
| Average equity | $4,249,800 | 6,274 |
| Average total loans | $7,815,600 | 6,659 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1668% | 6,777 |
| Cost of funding earning assets | 0.3472% | 5,321 |
| Net interest margin | 1.8196% | 6,765 |
| Noninterest income to average assets | 0.0051% | 6,726 |
| Noninterest expense to average assets | 0.9374% | 6,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5419% | 4,613 |
| Return on assets (ROA) | 0.5419% | 4,756 |
| Pretax return on assets | 0.8039% | 4,278 |
| Return on Equity (ROE) | 6.5429% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.5429% | 2,110 |
| Net charge-offs to loans | 0.0170% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 313.7744% | 189 |
| Efficiency ratio | 53.8348% | 6,114 |
| Assets per employee ($millions) | 12.9063% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 2,323 |
| Loan loss allowance to noncurrent loans | 45.7055% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 4,547 |
| Noncurrent loans to loans | 3.9253% | 900 |
| Net loans and leases to total assets | 15.7985% | 6,794 |
| Net loans and leases to deposits | 17.2246% | 6,809 |
| Net loans and leases to core deposits | 17.2246% | 6,805 |
| Total domestic deposits to total assets | 91.7211% | 309 |
| Equity capital to assets | 7.9613% | 6,173 |
| Core capital (leverage) ratio | 9.0140% | 5,108 |
| Tier 1 risk-based capital ratio | 22.7828% | 1,182 |
| Total risk-based capital ratio | 23.5375% | 1,239 |
| Memoranda: | ||
| Average total assets | $51,913,000 | 6,034 |
| Average earning assets | $49,534,000 | 5,967 |
| Average equity | $4,299,750 | 6,335 |
| Average total loans | $7,805,750 | 6,733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0168% | 6,843 |
| Cost of funding earning assets | 0.3462% | 5,445 |
| Net interest margin | 1.6706% | 6,834 |
| Noninterest income to average assets | 0.0038% | 6,780 |
| Noninterest expense to average assets | 0.8768% | 6,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4884% | 4,850 |
| Return on assets (ROA) | 0.4884% | 5,022 |
| Pretax return on assets | 0.7230% | 4,599 |
| Return on Equity (ROE) | 5.8217% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.8217% | 2,540 |
| Net charge-offs to loans | -0.0262% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8077% | 6,072 |
| Assets per employee ($millions) | 12.3178% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,376 |
| Loan loss allowance to noncurrent loans | 45.7576% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 4,543 |
| Noncurrent loans to loans | 3.3825% | 1,267 |
| Net loans and leases to total assets | 19.4942% | 6,801 |
| Net loans and leases to deposits | 21.3298% | 6,826 |
| Net loans and leases to core deposits | 21.3298% | 6,829 |
| Total domestic deposits to total assets | 91.3945% | 410 |
| Equity capital to assets | 8.4532% | 5,814 |
| Core capital (leverage) ratio | 8.5066% | 5,666 |
| Tier 1 risk-based capital ratio | 22.2289% | 1,247 |
| Total risk-based capital ratio | 22.9894% | 1,318 |
| Memoranda: | ||
| Average total assets | $52,009,000 | 6,072 |
| Average earning assets | $49,683,000 | 6,006 |
| Average equity | $4,363,000 | 6,368 |
| Average total loans | $7,639,330 | 6,785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7556% | 6,941 |
| Cost of funding earning assets | 0.3400% | 5,636 |
| Net interest margin | 1.4155% | 6,942 |
| Noninterest income to average assets | 0.0075% | 6,836 |
| Noninterest expense to average assets | 0.8843% | 6,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3297% | 5,446 |
| Return on assets (ROA) | 0.3297% | 5,583 |
| Pretax return on assets | 0.4646% | 5,381 |
| Return on Equity (ROE) | 3.9444% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.9444% | 3,873 |
| Net charge-offs to loans | -0.0608% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5556% | 4,738 |
| Assets per employee ($millions) | 13.4495% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 1,636 |
| Loan loss allowance to noncurrent loans | 41.1444% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 4,673 |
| Noncurrent loans to loans | 5.2859% | 708 |
| Net loans and leases to total assets | 12.6250% | 6,939 |
| Net loans and leases to deposits | 13.8361% | 6,946 |
| Net loans and leases to core deposits | 13.8361% | 6,942 |
| Total domestic deposits to total assets | 91.2469% | 430 |
| Equity capital to assets | 8.3200% | 6,172 |
| Core capital (leverage) ratio | 7.9822% | 6,163 |
| Tier 1 risk-based capital ratio | 23.7468% | 1,053 |
| Total risk-based capital ratio | 24.5750% | 1,091 |
| Memoranda: | ||
| Average total assets | $53,378,000 | 6,095 |
| Average earning assets | $50,581,500 | 6,028 |
| Average equity | $4,462,000 | 6,398 |
| Average total loans | $6,581,000 | 6,893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1035% | 6,981 |
| Cost of funding earning assets | 0.3670% | 6,121 |
| Net interest margin | 1.7365% | 6,969 |
| Noninterest income to average assets | 0.0040% | 6,810 |
| Noninterest expense to average assets | 1.0135% | 7,011 |
| Loan and lease loss provision to assets | 0.0600% | 5,028 |
| Net operating income to assets | 0.3139% | 5,419 |
| Return on assets (ROA) | 0.3139% | 5,627 |
| Pretax return on assets | 0.4818% | 5,335 |
| Return on Equity (ROE) | 3.5701% | 5,320 |
| Retained earnings to average equity (ytd only) | 1.8647% | 4,906 |
| Net charge-offs to loans | 0.3125% | 3,077 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 12.9048% | 1,888 |
| Efficiency ratio | 65.1671% | 4,673 |
| Assets per employee ($millions) | 13.2395% | 121 |
| Cash dividends to net income (ytd only)* | 47.7707% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4120% | 1,213 |
| Loan loss allowance to noncurrent loans | 340.9091% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 6,388 |
| Noncurrent loans to loans | 0.7075% | 4,774 |
| Net loans and leases to total assets | 11.4600% | 7,006 |
| Net loans and leases to deposits | 12.5564% | 7,012 |
| Net loans and leases to core deposits | 12.5564% | 7,006 |
| Total domestic deposits to total assets | 91.2686% | 411 |
| Equity capital to assets | 8.3991% | 6,122 |
| Core capital (leverage) ratio | 8.1674% | 6,029 |
| Tier 1 risk-based capital ratio | 25.2310% | 824 |
| Total risk-based capital ratio | 26.1138% | 858 |
| Memoranda: | ||
| Average total assets | $50,022,600 | 6,211 |
| Average earning assets | $44,686,800 | 6,215 |
| Average equity | $4,397,600 | 6,464 |
| Average total loans | $6,719,000 | 6,961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3004% | 7,080 |
| Cost of funding earning assets | 0.3747% | 6,256 |
| Net interest margin | 1.9257% | 7,055 |
| Noninterest income to average assets | 0.0027% | 6,929 |
| Noninterest expense to average assets | 1.0198% | 7,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4572% | 5,006 |
| Return on assets (ROA) | 0.4572% | 5,254 |
| Pretax return on assets | 0.6790% | 4,923 |
| Return on Equity (ROE) | 5.1387% | 4,757 |
| Retained earnings to average equity (ytd only) | 5.1387% | 3,266 |
| Net charge-offs to loans | -0.0390% | 6,642 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0318% | 5,493 |
| Assets per employee ($millions) | 12.8993% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 1,586 |
| Loan loss allowance to noncurrent loans | 234.4262% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 6,423 |
| Noncurrent loans to loans | 0.9670% | 4,503 |
| Net loans and leases to total assets | 11.9484% | 7,106 |
| Net loans and leases to deposits | 13.1787% | 7,115 |
| Net loans and leases to core deposits | 13.1787% | 7,112 |
| Total domestic deposits to total assets | 90.6642% | 534 |
| Equity capital to assets | 8.7331% | 6,081 |
| Core capital (leverage) ratio | 9.1019% | 4,912 |
| Tier 1 risk-based capital ratio | 25.7888% | 844 |
| Total risk-based capital ratio | 26.6321% | 862 |
| Memoranda: | ||
| Average total assets | $49,288,750 | 6,305 |
| Average earning assets | $43,412,500 | 6,326 |
| Average equity | $4,385,000 | 6,543 |
| Average total loans | $6,844,000 | 7,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4534% | 7,132 |
| Cost of funding earning assets | 0.3929% | 6,312 |
| Net interest margin | 2.0604% | 7,086 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 1.0099% | 7,185 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5153% | 4,743 |
| Return on assets (ROA) | 0.5153% | 5,010 |
| Pretax return on assets | 0.7626% | 4,594 |
| Return on Equity (ROE) | 5.7542% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.7542% | 2,851 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9767% | 6,007 |
| Assets per employee ($millions) | 11.7825% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,356 |
| Loan loss allowance to noncurrent loans | 282.0000% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 6,530 |
| Noncurrent loans to loans | 0.5922% | 5,328 |
| Net loans and leases to total assets | 17.6151% | 7,113 |
| Net loans and leases to deposits | 19.5927% | 7,137 |
| Net loans and leases to core deposits | 19.5927% | 7,144 |
| Total domestic deposits to total assets | 89.9066% | 976 |
| Equity capital to assets | 9.5396% | 5,005 |
| Core capital (leverage) ratio | 8.8946% | 5,055 |
| Tier 1 risk-based capital ratio | 24.0942% | 1,001 |
| Total risk-based capital ratio | 24.8789% | 1,044 |
| Memoranda: | ||
| Average total assets | $48,519,330 | 6,367 |
| Average earning assets | $41,738,670 | 6,418 |
| Average equity | $4,344,670 | 6,590 |
| Average total loans | $7,022,670 | 7,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0535% | 7,234 |
| Cost of funding earning assets | 0.4028% | 6,396 |
| Net interest margin | 1.6507% | 7,224 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.8697% | 7,269 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3414% | 5,505 |
| Return on assets (ROA) | 0.3414% | 5,682 |
| Pretax return on assets | 0.4958% | 5,441 |
| Return on Equity (ROE) | 3.9353% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.9353% | 4,225 |
| Net charge-offs to loans | -0.0634% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6905% | 4,982 |
| Assets per employee ($millions) | 12.4220% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1910% | 1,899 |
| Loan loss allowance to noncurrent loans | 568.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 6,770 |
| Noncurrent loans to loans | 0.3857% | 5,905 |
| Net loans and leases to total assets | 12.7576% | 7,220 |
| Net loans and leases to deposits | 14.0222% | 7,231 |
| Net loans and leases to core deposits | 14.0222% | 7,229 |
| Total domestic deposits to total assets | 90.9817% | 568 |
| Equity capital to assets | 8.6419% | 5,940 |
| Core capital (leverage) ratio | 8.5474% | 5,513 |
| Tier 1 risk-based capital ratio | 25.7411% | 828 |
| Total risk-based capital ratio | 26.6020% | 851 |
| Memoranda: | ||
| Average total assets | $49,214,000 | 6,392 |
| Average earning assets | $40,710,000 | 6,498 |
| Average equity | $4,269,000 | 6,643 |
| Average total loans | $6,312,500 | 7,182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 6,669 |
| Cost of funding earning assets | 0.7009% | 5,534 |
| Net interest margin | 3.1554% | 6,203 |
| Noninterest income to average assets | 0.0043% | 6,971 |
| Noninterest expense to average assets | 1.1222% | 7,277 |
| Loan and lease loss provision to assets | 0.1387% | 4,887 |
| Net operating income to assets | 0.7894% | 3,083 |
| Return on assets (ROA) | 0.7894% | 3,247 |
| Pretax return on assets | 1.1350% | 2,709 |
| Return on Equity (ROE) | 8.6195% | 2,624 |
| Retained earnings to average equity (ytd only) | 6.8723% | 1,565 |
| Net charge-offs to loans | 0.2949% | 3,934 |
| Credit loss provision to net charge-offs | 342.1053% | 678 |
| Earnings coverage of net charge-offs (x) | 31.4211% | 816 |
| Efficiency ratio | 46.8388% | 7,005 |
| Assets per employee ($millions) | 12.1850% | 142 |
| Cash dividends to net income (ytd only)* | 20.2703% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 1,622 |
| Loan loss allowance to noncurrent loans | 14,100.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,015 |
| Noncurrent loans to loans | 0.0163% | 6,791 |
| Net loans and leases to total assets | 12.3164% | 7,277 |
| Net loans and leases to deposits | 13.5349% | 7,286 |
| Net loans and leases to core deposits | 13.5349% | 7,278 |
| Total domestic deposits to total assets | 90.9971% | 511 |
| Equity capital to assets | 8.7074% | 5,887 |
| Core capital (leverage) ratio | 8.6955% | 5,255 |
| Tier 1 risk-based capital ratio | 28.6767% | 579 |
| Total risk-based capital ratio | 29.6385% | 588 |
| Memoranda: | ||
| Average total assets | $46,874,000 | 6,460 |
| Average earning assets | $35,526,800 | 6,692 |
| Average equity | $4,292,600 | 6,657 |
| Average total loans | $6,443,600 | 7,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 6,174 |
| Cost of funding earning assets | 0.7956% | 5,181 |
| Net interest margin | 3.4185% | 5,513 |
| Noninterest income to average assets | 0.0029% | 7,095 |
| Noninterest expense to average assets | 1.0774% | 7,364 |
| Loan and lease loss provision to assets | 0.0718% | 5,558 |
| Net operating income to assets | 1.0343% | 2,202 |
| Return on assets (ROA) | 1.0343% | 2,357 |
| Pretax return on assets | 1.4336% | 1,837 |
| Return on Equity (ROE) | 11.1502% | 1,810 |
| Retained earnings to average equity (ytd only) | 11.1502% | 603 |
| Net charge-offs to loans | -0.0614% | 7,088 |
| Credit loss provision to net charge-offs | -833.3333% | 6,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7130% | 7,220 |
| Assets per employee ($millions) | 11.7690% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 3,347 |
| Loan loss allowance to noncurrent loans | 683.3333% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,957 |
| Noncurrent loans to loans | 0.2456% | 6,385 |
| Net loans and leases to total assets | 15.3093% | 7,338 |
| Net loans and leases to deposits | 17.0061% | 7,351 |
| Net loans and leases to core deposits | 17.0061% | 7,343 |
| Total domestic deposits to total assets | 90.0225% | 854 |
| Equity capital to assets | 9.4188% | 5,210 |
| Core capital (leverage) ratio | 9.4244% | 4,264 |
| Tier 1 risk-based capital ratio | 28.0368% | 655 |
| Total risk-based capital ratio | 28.8444% | 675 |
| Memoranda: | ||
| Average total assets | $46,407,500 | 6,529 |
| Average earning assets | $35,024,500 | 6,775 |
| Average equity | $4,304,750 | 6,706 |
| Average total loans | $6,518,500 | 7,298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 4,640 |
| Cost of funding earning assets | 0.8771% | 4,845 |
| Net interest margin | 3.7989% | 3,788 |
| Noninterest income to average assets | 0.0043% | 7,179 |
| Noninterest expense to average assets | 1.0566% | 7,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2645% | 1,412 |
| Return on assets (ROA) | 1.2645% | 1,475 |
| Pretax return on assets | 1.8924% | 723 |
| Return on Equity (ROE) | 13.7035% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.7035% | 340 |
| Net charge-offs to loans | -0.0640% | 7,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8297% | 7,395 |
| Assets per employee ($millions) | 11.5495% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 5,287 |
| Loan loss allowance to noncurrent loans | 746.1538% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 7,029 |
| Noncurrent loans to loans | 0.1680% | 6,561 |
| Net loans and leases to total assets | 16.5375% | 7,405 |
| Net loans and leases to deposits | 18.3915% | 7,417 |
| Net loans and leases to core deposits | 18.3915% | 7,415 |
| Total domestic deposits to total assets | 89.9195% | 1,015 |
| Equity capital to assets | 9.6368% | 4,616 |
| Core capital (leverage) ratio | 8.8897% | 4,897 |
| Tier 1 risk-based capital ratio | 25.8935% | 823 |
| Total risk-based capital ratio | 26.4912% | 866 |
| Memoranda: | ||
| Average total assets | $46,184,670 | 6,592 |
| Average earning assets | $35,800,000 | 6,809 |
| Average equity | $4,261,670 | 6,756 |
| Average total loans | $6,248,000 | 7,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 7,050 |
| Cost of funding earning assets | 0.7520% | 5,840 |
| Net interest margin | 2.9689% | 6,640 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 1.2214% | 7,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9615% | 2,310 |
| Return on assets (ROA) | 0.9615% | 2,377 |
| Pretax return on assets | 1.4119% | 1,695 |
| Return on Equity (ROE) | 10.6564% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.6564% | 962 |
| Net charge-offs to loans | -0.3634% | 7,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3816% | 7,189 |
| Assets per employee ($millions) | 11.6790% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 3,067 |
| Loan loss allowance to noncurrent loans | 990.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,129 |
| Noncurrent loans to loans | 0.1799% | 6,608 |
| Net loans and leases to total assets | 11.6898% | 7,494 |
| Net loans and leases to deposits | 12.9401% | 7,504 |
| Net loans and leases to core deposits | 12.9401% | 7,495 |
| Total domestic deposits to total assets | 90.3374% | 941 |
| Equity capital to assets | 9.0376% | 5,142 |
| Core capital (leverage) ratio | 8.5922% | 5,276 |
| Tier 1 risk-based capital ratio | 25.9386% | 793 |
| Total risk-based capital ratio | 26.5772% | 827 |
| Memoranda: | ||
| Average total assets | $46,178,000 | 6,633 |
| Average earning assets | $40,958,000 | 6,649 |
| Average equity | $4,166,500 | 6,822 |
| Average total loans | $5,503,500 | 7,460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 7,167 |
| Cost of funding earning assets | 1.4265% | 3,091 |
| Net interest margin | 2.5173% | 7,258 |
| Noninterest income to average assets | 0.0074% | 7,255 |
| Noninterest expense to average assets | 1.2946% | 7,518 |
| Loan and lease loss provision to assets | 0.2874% | 4,501 |
| Net operating income to assets | 0.3709% | 4,675 |
| Return on assets (ROA) | 0.3709% | 4,823 |
| Pretax return on assets | 0.5797% | 4,387 |
| Return on Equity (ROE) | 3.6659% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.8451% | 4,573 |
| Net charge-offs to loans | 1.8183% | 1,160 |
| Credit loss provision to net charge-offs | 121.8750% | 3,441 |
| Earnings coverage of net charge-offs (x) | 3.6771% | 3,240 |
| Efficiency ratio | 59.8864% | 6,064 |
| Assets per employee ($millions) | 9.1280% | 322 |
| Cash dividends to net income (ytd only)* | 49.6689% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 3,057 |
| Loan loss allowance to noncurrent loans | 678.5714% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 7,165 |
| Noncurrent loans to loans | 0.2570% | 6,549 |
| Net loans and leases to total assets | 11.7266% | 7,580 |
| Net loans and leases to deposits | 12.9623% | 7,591 |
| Net loans and leases to core deposits | 12.9623% | 7,576 |
| Total domestic deposits to total assets | 90.4667% | 854 |
| Equity capital to assets | 9.0074% | 5,133 |
| Core capital (leverage) ratio | 8.6524% | 5,098 |
| Tier 1 risk-based capital ratio | 25.9835% | 756 |
| Total risk-based capital ratio | 26.6148% | 789 |
| Memoranda: | ||
| Average total assets | $40,707,800 | 6,839 |
| Average earning assets | $34,839,600 | 6,918 |
| Average equity | $4,119,000 | 6,951 |
| Average total loans | $5,279,600 | 7,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 7,364 |
| Cost of funding earning assets | 1.5802% | 2,508 |
| Net interest margin | 2.2888% | 7,486 |
| Noninterest income to average assets | 0.0068% | 7,423 |
| Noninterest expense to average assets | 1.1990% | 7,663 |
| Loan and lease loss provision to assets | 0.1858% | 5,181 |
| Net operating income to assets | 0.4053% | 4,727 |
| Return on assets (ROA) | 0.4053% | 4,904 |
| Pretax return on assets | 0.5641% | 4,710 |
| Return on Equity (ROE) | 3.8826% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.8826% | 3,732 |
| Net charge-offs to loans | 0.8910% | 2,216 |
| Credit loss provision to net charge-offs | 157.1429% | 2,431 |
| Earnings coverage of net charge-offs (x) | 6.3422% | 2,543 |
| Efficiency ratio | 61.5251% | 5,693 |
| Assets per employee ($millions) | 8.6006% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 3,082 |
| Loan loss allowance to noncurrent loans | 162.0690% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 7,019 |
| Noncurrent loans to loans | 1.0638% | 5,116 |
| Net loans and leases to total assets | 12.4596% | 7,681 |
| Net loans and leases to deposits | 13.9706% | 7,694 |
| Net loans and leases to core deposits | 13.9706% | 7,680 |
| Total domestic deposits to total assets | 89.1845% | 1,295 |
| Equity capital to assets | 9.6900% | 4,561 |
| Core capital (leverage) ratio | 9.7803% | 3,514 |
| Tier 1 risk-based capital ratio | 26.6822% | 725 |
| Total risk-based capital ratio | 27.3277% | 755 |
| Memoranda: | ||
| Average total assets | $39,474,750 | 6,965 |
| Average earning assets | $33,496,000 | 7,045 |
| Average equity | $4,121,000 | 7,042 |
| Average total loans | $5,237,750 | 7,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 7,380 |
| Cost of funding earning assets | 1.6336% | 2,458 |
| Net interest margin | 2.3476% | 7,509 |
| Noninterest income to average assets | 0.0052% | 7,509 |
| Noninterest expense to average assets | 1.2324% | 7,727 |
| Loan and lease loss provision to assets | 0.0522% | 6,440 |
| Net operating income to assets | 0.5222% | 4,229 |
| Return on assets (ROA) | 0.5222% | 4,390 |
| Pretax return on assets | 0.7468% | 4,076 |
| Return on Equity (ROE) | 4.8713% | 4,351 |
| Retained earnings to average equity (ytd only) | 4.8713% | 2,973 |
| Net charge-offs to loans | -0.0774% | 7,520 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6684% | 5,925 |
| Assets per employee ($millions) | 7.6476% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,845 |
| Loan loss allowance to noncurrent loans | 156.3636% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 7,033 |
| Noncurrent loans to loans | 0.8387% | 5,603 |
| Net loans and leases to total assets | 16.9256% | 7,718 |
| Net loans and leases to deposits | 19.2070% | 7,737 |
| Net loans and leases to core deposits | 19.2070% | 7,730 |
| Total domestic deposits to total assets | 88.1218% | 1,944 |
| Equity capital to assets | 10.9263% | 2,943 |
| Core capital (leverage) ratio | 10.1056% | 3,057 |
| Tier 1 risk-based capital ratio | 28.1266% | 620 |
| Total risk-based capital ratio | 28.7523% | 653 |
| Memoranda: | ||
| Average total assets | $38,298,670 | 7,060 |
| Average earning assets | $33,055,330 | 7,110 |
| Average equity | $4,105,670 | 7,077 |
| Average total loans | $5,166,330 | 7,718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 7,564 |
| Cost of funding earning assets | 1.7064% | 2,359 |
| Net interest margin | 2.1299% | 7,682 |
| Noninterest income to average assets | 0.0104% | 7,622 |
| Noninterest expense to average assets | 1.2314% | 7,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4070% | 4,806 |
| Return on assets (ROA) | 0.4070% | 4,953 |
| Pretax return on assets | 0.5635% | 4,740 |
| Return on Equity (ROE) | 3.8334% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.8334% | 3,839 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6047% | 4,602 |
| Assets per employee ($millions) | 7.8030% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 12.2466% | 7,847 |
| Net loans and leases to deposits | 13.8256% | 7,861 |
| Net loans and leases to core deposits | 13.8256% | 7,850 |
| Total domestic deposits to total assets | 88.5788% | 1,746 |
| Equity capital to assets | 10.3114% | 3,460 |
| Core capital (leverage) ratio | 9.9109% | 3,274 |
| Tier 1 risk-based capital ratio | 30.3059% | 514 |
| Total risk-based capital ratio | 30.8970% | 525 |
| Memoranda: | ||
| Average total assets | $38,329,000 | 7,143 |
| Average earning assets | $32,113,500 | 7,247 |
| Average equity | $4,069,500 | 7,159 |
| Average total loans | $4,470,500 | 7,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 6,453 |
| Cost of funding earning assets | 1.8979% | 3,474 |
| Net interest margin | 3.0962% | 6,381 |
| Noninterest income to average assets | 0.0065% | 7,674 |
| Noninterest expense to average assets | 1.8190% | 7,586 |
| Loan and lease loss provision to assets | 0.2793% | 5,186 |
| Net operating income to assets | 0.4922% | 3,760 |
| Return on assets (ROA) | 0.8445% | 2,455 |
| Pretax return on assets | 0.8770% | 2,994 |
| Return on Equity (ROE) | 6.4542% | 3,014 |
| Retained earnings to average equity (ytd only) | 4.5924% | 2,040 |
| Net charge-offs to loans | 2.5368% | 907 |
| Credit loss provision to net charge-offs | 71.0744% | 6,472 |
| Earnings coverage of net charge-offs (x) | 2.0083% | 4,217 |
| Efficiency ratio | 69.7385% | 4,685 |
| Assets per employee ($millions) | 7.5286% | 632 |
| Cash dividends to net income (ytd only)* | 28.8462% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 2,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 10.6660% | 7,930 |
| Net loans and leases to deposits | 12.1036% | 7,940 |
| Net loans and leases to core deposits | 12.1036% | 7,944 |
| Total domestic deposits to total assets | 88.1226% | 1,913 |
| Equity capital to assets | 10.9343% | 2,750 |
| Core capital (leverage) ratio | 10.7652% | 2,376 |
| Tier 1 risk-based capital ratio | 31.1618% | 471 |
| Total risk-based capital ratio | 31.7759% | 482 |
| Memoranda: | ||
| Average total assets | $30,786,000 | 7,447 |
| Average earning assets | $25,870,600 | 7,509 |
| Average equity | $4,028,400 | 7,281 |
| Average total loans | $4,769,800 | 7,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7338% | 3,171 |
| Cost of funding earning assets | 1.8827% | 3,972 |
| Net interest margin | 3.8511% | 3,427 |
| Noninterest income to average assets | 0.0092% | 7,810 |
| Noninterest expense to average assets | 1.8987% | 7,548 |
| Loan and lease loss provision to assets | 0.3944% | 3,949 |
| Net operating income to assets | 0.7063% | 3,184 |
| Return on assets (ROA) | 0.7063% | 3,245 |
| Pretax return on assets | 1.0181% | 2,848 |
| Return on Equity (ROE) | 5.1249% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.1249% | 2,413 |
| Net charge-offs to loans | 3.2927% | 484 |
| Credit loss provision to net charge-offs | 70.4918% | 5,975 |
| Earnings coverage of net charge-offs (x) | 2.5247% | 3,962 |
| Efficiency ratio | 57.3407% | 6,819 |
| Assets per employee ($millions) | 6.1360% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 4,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 18.9081% | 7,962 |
| Net loans and leases to deposits | 22.3399% | 7,981 |
| Net loans and leases to core deposits | 22.3399% | 7,984 |
| Total domestic deposits to total assets | 84.6382% | 3,410 |
| Equity capital to assets | 13.6897% | 1,420 |
| Core capital (leverage) ratio | 13.0442% | 1,363 |
| Tier 1 risk-based capital ratio | 31.9238% | 472 |
| Total risk-based capital ratio | 32.5279% | 493 |
| Memoranda: | ||
| Average total assets | $29,071,750 | 7,574 |
| Average earning assets | $24,927,500 | 7,614 |
| Average equity | $4,006,500 | 7,354 |
| Average total loans | $4,940,000 | 7,969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 6,364 |
| Cost of funding earning assets | 1.8246% | 4,639 |
| Net interest margin | 3.2923% | 5,584 |
| Noninterest income to average assets | 0.0070% | 7,922 |
| Noninterest expense to average assets | 1.7662% | 7,781 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7499% | 3,044 |
| Return on assets (ROA) | 0.7499% | 3,149 |
| Pretax return on assets | 1.0864% | 2,680 |
| Return on Equity (ROE) | 5.4287% | 3,891 |
| Retained earnings to average equity (ytd only) | 5.4287% | 2,281 |
| Net charge-offs to loans | 0.1728% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 38.7500% | 832 |
| Efficiency ratio | 61.9165% | 6,258 |
| Assets per employee ($millions) | 5.8574% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 2,010 |
| Loan loss allowance to noncurrent loans | 89.7436% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 6,464 |
| Noncurrent loans to loans | 2.0207% | 3,485 |
| Net loans and leases to total assets | 19.4113% | 8,041 |
| Net loans and leases to deposits | 22.8157% | 8,061 |
| Net loans and leases to core deposits | 22.8157% | 8,075 |
| Total domestic deposits to total assets | 85.0787% | 3,224 |
| Equity capital to assets | 13.9038% | 1,337 |
| Core capital (leverage) ratio | 13.1463% | 1,385 |
| Tier 1 risk-based capital ratio | 32.6499% | 480 |
| Total risk-based capital ratio | 33.5621% | 477 |
| Memoranda: | ||
| Average total assets | $28,535,670 | 7,663 |
| Average earning assets | $24,663,330 | 7,696 |
| Average equity | $3,942,000 | 7,438 |
| Average total loans | $4,629,000 | 8,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 6,279 |
| Cost of funding earning assets | 1.8132% | 5,055 |
| Net interest margin | 3.3914% | 5,173 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.8608% | 7,623 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6960% | 3,579 |
| Return on assets (ROA) | 0.6960% | 3,764 |
| Pretax return on assets | 1.0085% | 3,320 |
| Return on Equity (ROE) | 5.0555% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.0555% | 3,089 |
| Net charge-offs to loans | -0.0988% | 7,872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8515% | 5,530 |
| Assets per employee ($millions) | 5.6346% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5599% | 720 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 5,891 |
| Noncurrent loans to loans | 3.4908% | 1,822 |
| Net loans and leases to total assets | 14.8617% | 8,128 |
| Net loans and leases to deposits | 17.5276% | 8,143 |
| Net loans and leases to core deposits | 17.5276% | 8,156 |
| Total domestic deposits to total assets | 84.7904% | 3,306 |
| Equity capital to assets | 14.0418% | 1,351 |
| Core capital (leverage) ratio | 13.2658% | 1,397 |
| Tier 1 risk-based capital ratio | 49.8920% | 211 |
| Total risk-based capital ratio | 50.8914% | 207 |
| Memoranda: | ||
| Average total assets | $28,160,000 | 7,724 |
| Average earning assets | $23,825,000 | 7,778 |
| Average equity | $3,877,000 | 7,496 |
| Average total loans | $4,048,500 | 8,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 7,845 |
| Cost of funding earning assets | 1.5512% | 7,532 |
| Net interest margin | 3.4346% | 5,528 |
| Noninterest income to average assets | 0.0075% | 8,079 |
| Noninterest expense to average assets | 1.7494% | 7,816 |
| Loan and lease loss provision to assets | 0.1129% | 5,927 |
| Net operating income to assets | 0.9031% | 2,985 |
| Return on assets (ROA) | 1.0873% | 2,112 |
| Pretax return on assets | 1.6065% | 1,368 |
| Return on Equity (ROE) | 7.8003% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.7760% | 1,632 |
| Net charge-offs to loans | 0.5021% | 2,352 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,710 |
| Efficiency ratio | 54.7059% | 7,185 |
| Assets per employee ($millions) | 5.6294% | 1,369 |
| Cash dividends to net income (ytd only)* | 25.9516% | 4,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8684% | 487 |
| Loan loss allowance to noncurrent loans | 2,180.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,530 |
| Noncurrent loans to loans | 0.1316% | 7,024 |
| Net loans and leases to total assets | 13.1133% | 8,201 |
| Net loans and leases to deposits | 15.3529% | 8,213 |
| Net loans and leases to core deposits | 15.3529% | 8,212 |
| Total domestic deposits to total assets | 85.4123% | 2,659 |
| Equity capital to assets | 13.4934% | 1,598 |
| Core capital (leverage) ratio | 13.7750% | 1,315 |
| Tier 1 risk-based capital ratio | 37.4704% | 381 |
| Total risk-based capital ratio | 38.5922% | 379 |
| Memoranda: | ||
| Average total assets | $26,580,200 | 7,783 |
| Average earning assets | $24,689,800 | 7,757 |
| Average equity | $3,705,000 | 7,605 |
| Average total loans | $4,182,200 | 8,188 |