Home > Miners Exchange Bank > Performance and Condition Ratios
Miners Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4984% | 1,163 |
| Cost of funding earning assets | 0.3440% | 4,342 |
| Net interest margin | 5.1544% | 272 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 4.6926% | 260 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6151% | 3,404 |
| Return on assets (ROA) | 0.6151% | 3,389 |
| Pretax return on assets | 0.7667% | 3,295 |
| Return on Equity (ROE) | 6.0600% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.6230% | 3,082 |
| Net charge-offs to loans | 0.0925% | 960 |
| Credit loss provision to net charge-offs | 140.4255% | 1,525 |
| Earnings coverage of net charge-offs (x) | 16.7021% | 1,994 |
| Efficiency ratio | 84.7543% | 628 |
| Assets per employee ($millions) | 2.0314% | 4,448 |
| Cash dividends to net income (ytd only)* | 40.2098% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,587 |
| Loan loss allowance to noncurrent loans | 107.9710% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 491 |
| Noncurrent loans to loans | 1.0595% | 694 |
| Net loans and leases to total assets | 56.3400% | 3,162 |
| Net loans and leases to deposits | 64.2584% | 3,279 |
| Net loans and leases to core deposits | 67.9477% | 3,409 |
| Total domestic deposits to total assets | 87.6800% | 1,458 |
| Equity capital to assets | 10.8091% | 1,581 |
| Core capital (leverage) ratio | 13.0437% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3736% | 457 |
| Memoranda: | ||
| Average total assets | $92,998,200 | 3,886 |
| Average earning assets | $81,405,800 | 3,914 |
| Average equity | $9,439,800 | 3,779 |
| Average total loans | $50,786,000 | 3,835 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 1,068 |
| Cost of funding earning assets | 0.2970% | 4,366 |
| Net interest margin | 5.1549% | 266 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 4.6126% | 264 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4540% | 3,857 |
| Return on assets (ROA) | 0.4540% | 3,858 |
| Pretax return on assets | 0.5668% | 3,790 |
| Return on Equity (ROE) | 4.5400% | 3,889 |
| Retained earnings to average equity (ytd only) | 4.5446% | 3,086 |
| Net charge-offs to loans | 0.1136% | 704 |
| Credit loss provision to net charge-offs | 130.2326% | 1,420 |
| Earnings coverage of net charge-offs (x) | 10.6744% | 2,116 |
| Efficiency ratio | 87.5610% | 458 |
| Assets per employee ($millions) | 2.0018% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,544 |
| Loan loss allowance to noncurrent loans | 118.0000% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 421 |
| Noncurrent loans to loans | 0.9872% | 824 |
| Net loans and leases to total assets | 55.5700% | 3,240 |
| Net loans and leases to deposits | 62.9633% | 3,336 |
| Net loans and leases to core deposits | 66.5935% | 3,401 |
| Total domestic deposits to total assets | 88.2600% | 1,491 |
| Equity capital to assets | 10.2362% | 1,681 |
| Core capital (leverage) ratio | 12.8738% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6563% | 453 |
| Memoranda: | ||
| Average total assets | $93,394,250 | 3,900 |
| Average earning assets | $81,707,250 | 3,929 |
| Average equity | $9,329,500 | 3,786 |
| Average total loans | $50,457,250 | 3,848 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 1,065 |
| Cost of funding earning assets | 0.2414% | 4,386 |
| Net interest margin | 5.0701% | 285 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 4.5207% | 269 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4550% | 3,908 |
| Return on assets (ROA) | 0.4550% | 3,910 |
| Pretax return on assets | 0.5757% | 3,838 |
| Return on Equity (ROE) | 4.5900% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.5912% | 3,056 |
| Net charge-offs to loans | 0.1032% | 668 |
| Credit loss provision to net charge-offs | 123.0769% | 1,318 |
| Earnings coverage of net charge-offs (x) | 11.9231% | 1,955 |
| Efficiency ratio | 87.3262% | 454 |
| Assets per employee ($millions) | 2.0632% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,693 |
| Loan loss allowance to noncurrent loans | 96.2046% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 385 |
| Noncurrent loans to loans | 1.1998% | 590 |
| Net loans and leases to total assets | 53.7700% | 3,286 |
| Net loans and leases to deposits | 60.7907% | 3,369 |
| Net loans and leases to core deposits | 63.9629% | 3,453 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 10.0945% | 1,802 |
| Core capital (leverage) ratio | 12.4989% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,498,333 | 3,903 |
| Average earning assets | $82,839,333 | 3,923 |
| Average equity | $9,365,667 | 3,810 |
| Average total loans | $50,393,333 | 3,857 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 818 |
| Cost of funding earning assets | 0.2007% | 4,379 |
| Net interest margin | 5.1087% | 253 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 4.4227% | 286 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.5749% | 3,737 |
| Return on assets (ROA) | 0.5749% | 3,704 |
| Pretax return on assets | 0.7301% | 3,605 |
| Return on Equity (ROE) | 5.8500% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.8531% | 2,809 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.0510% | 589 |
| Assets per employee ($millions) | 2.1423% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,592 |
| Loan loss allowance to noncurrent loans | 154.2199% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 461 |
| Noncurrent loans to loans | 0.7735% | 996 |
| Net loans and leases to total assets | 52.9900% | 3,277 |
| Net loans and leases to deposits | 59.9019% | 3,338 |
| Net loans and leases to core deposits | 62.6246% | 3,412 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 10.1390% | 1,749 |
| Core capital (leverage) ratio | 12.2374% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,326,000 | 3,946 |
| Average earning assets | $83,701,000 | 3,972 |
| Average equity | $9,362,500 | 3,855 |
| Average total loans | $50,336,000 | 3,903 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 410 |
| Cost of funding earning assets | 0.2093% | 3,682 |
| Net interest margin | 4.6166% | 239 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 4.5953% | 252 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.0625% | 4,534 |
| Return on assets (ROA) | 0.0625% | 4,520 |
| Pretax return on assets | 0.0969% | 4,504 |
| Return on Equity (ROE) | 0.6000% | 4,513 |
| Retained earnings to average equity (ytd only) | -0.5525% | 4,402 |
| Net charge-offs to loans | 0.0699% | 947 |
| Credit loss provision to net charge-offs | 134.2857% | 1,377 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,435 |
| Efficiency ratio | 96.9238% | 185 |
| Assets per employee ($millions) | 2.1498% | 4,601 |
| Cash dividends to net income (ytd only)* | 191.6667% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,637 |
| Loan loss allowance to noncurrent loans | 153.8667% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 441 |
| Noncurrent loans to loans | 0.7481% | 1,006 |
| Net loans and leases to total assets | 51.2200% | 3,416 |
| Net loans and leases to deposits | 57.6597% | 3,477 |
| Net loans and leases to core deposits | 60.6495% | 3,470 |
| Total domestic deposits to total assets | 88.8300% | 1,770 |
| Equity capital to assets | 9.5007% | 2,011 |
| Core capital (leverage) ratio | 11.9526% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7543% | 494 |
| Memoranda: | ||
| Average total assets | $95,989,200 | 3,960 |
| Average earning assets | $84,109,600 | 3,993 |
| Average equity | $9,954,400 | 3,874 |
| Average total loans | $50,086,600 | 3,885 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 363 |
| Cost of funding earning assets | 0.2110% | 3,138 |
| Net interest margin | 4.4737% | 251 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 4.6136% | 242 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | -0.0640% | 4,617 |
| Return on assets (ROA) | -0.0640% | 4,594 |
| Pretax return on assets | -0.0125% | 4,575 |
| Return on Equity (ROE) | -0.6000% | 4,576 |
| Retained earnings to average equity (ytd only) | -2.1159% | 4,494 |
| Net charge-offs to loans | 0.1145% | 548 |
| Credit loss provision to net charge-offs | 60.4651% | 1,490 |
| Earnings coverage of net charge-offs (x) | 0.3953% | 2,292 |
| Efficiency ratio | 99.4898% | 162 |
| Assets per employee ($millions) | 2.1291% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,048 |
| Loan loss allowance to noncurrent loans | 77.4011% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 258 |
| Noncurrent loans to loans | 1.4124% | 504 |
| Net loans and leases to total assets | 51.7500% | 3,305 |
| Net loans and leases to deposits | 58.1200% | 3,333 |
| Net loans and leases to core deposits | 61.1515% | 3,294 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 9.2998% | 2,015 |
| Core capital (leverage) ratio | 11.7739% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6549% | 517 |
| Memoranda: | ||
| Average total assets | $95,801,500 | 3,988 |
| Average earning assets | $84,045,500 | 4,021 |
| Average equity | $10,145,250 | 3,901 |
| Average total loans | $50,077,250 | 3,910 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 322 |
| Cost of funding earning assets | 0.2115% | 2,760 |
| Net interest margin | 4.3697% | 237 |
| Noninterest income to average assets | 0.6931% | 1,370 |
| Noninterest expense to average assets | 4.2360% | 245 |
| Loan and lease loss provision to assets | 0.0125% | 2,370 |
| Net operating income to assets | 0.2067% | 4,411 |
| Return on assets (ROA) | 0.2067% | 4,371 |
| Pretax return on assets | 0.2839% | 4,317 |
| Return on Equity (ROE) | 1.8755% | 4,365 |
| Retained earnings to average equity (ytd only) | -0.3031% | 4,218 |
| Net charge-offs to loans | 0.1039% | 575 |
| Credit loss provision to net charge-offs | 23.0769% | 1,592 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 1,927 |
| Efficiency ratio | 93.4592% | 304 |
| Assets per employee ($millions) | 2.1011% | 4,690 |
| Cash dividends to net income (ytd only)* | 116.1616% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,187 |
| Loan loss allowance to noncurrent loans | 90.9850% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3792% | 278 |
| Noncurrent loans to loans | 1.2028% | 662 |
| Net loans and leases to total assets | 52.0931% | 3,144 |
| Net loans and leases to deposits | 59.2159% | 3,113 |
| Net loans and leases to core deposits | 62.1737% | 3,102 |
| Total domestic deposits to total assets | 87.9714% | 2,590 |
| Equity capital to assets | 10.3310% | 1,518 |
| Core capital (leverage) ratio | 12.0144% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,799,000 | 4,030 |
| Average earning assets | $84,170,000 | 4,072 |
| Average equity | $10,557,000 | 3,925 |
| Average total loans | $50,060,000 | 3,956 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 342 |
| Cost of funding earning assets | 0.2122% | 2,637 |
| Net interest margin | 4.2484% | 262 |
| Noninterest income to average assets | 0.5932% | 1,720 |
| Noninterest expense to average assets | 4.1608% | 248 |
| Loan and lease loss provision to assets | 0.0083% | 2,168 |
| Net operating income to assets | 0.1327% | 4,428 |
| Return on assets (ROA) | 0.1327% | 4,399 |
| Pretax return on assets | 0.1618% | 4,372 |
| Return on Equity (ROE) | 1.1688% | 4,395 |
| Retained earnings to average equity (ytd only) | -3.0315% | 4,313 |
| Net charge-offs to loans | 0.1594% | 370 |
| Credit loss provision to net charge-offs | 10.0000% | 1,316 |
| Earnings coverage of net charge-offs (x) | 2.0500% | 1,718 |
| Efficiency ratio | 96.0728% | 329 |
| Assets per employee ($millions) | 2.1299% | 4,718 |
| Cash dividends to net income (ytd only)* | 359.3750% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,334 |
| Loan loss allowance to noncurrent loans | 101.8622% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 278 |
| Noncurrent loans to loans | 1.0780% | 833 |
| Net loans and leases to total assets | 51.4054% | 3,035 |
| Net loans and leases to deposits | 58.8034% | 3,004 |
| Net loans and leases to core deposits | 61.9518% | 2,975 |
| Total domestic deposits to total assets | 87.4191% | 2,778 |
| Equity capital to assets | 10.9104% | 1,378 |
| Core capital (leverage) ratio | 11.7472% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,423,500 | 4,041 |
| Average earning assets | $84,831,000 | 4,080 |
| Average equity | $10,951,500 | 3,958 |
| Average total loans | $50,190,500 | 3,971 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 504 |
| Cost of funding earning assets | 0.2426% | 3,021 |
| Net interest margin | 4.3661% | 356 |
| Noninterest income to average assets | 0.8372% | 1,354 |
| Noninterest expense to average assets | 4.3169% | 234 |
| Loan and lease loss provision to assets | 0.0977% | 1,271 |
| Net operating income to assets | 0.2009% | 4,534 |
| Return on assets (ROA) | 0.2243% | 4,528 |
| Pretax return on assets | 0.2758% | 4,513 |
| Return on Equity (ROE) | 1.8226% | 4,520 |
| Retained earnings to average equity (ytd only) | 0.8197% | 4,306 |
| Net charge-offs to loans | 0.1042% | 835 |
| Credit loss provision to net charge-offs | 171.6981% | 1,402 |
| Earnings coverage of net charge-offs (x) | 6.0566% | 2,417 |
| Efficiency ratio | 92.6088% | 258 |
| Assets per employee ($millions) | 2.1533% | 4,760 |
| Cash dividends to net income (ytd only)* | 55.0239% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 3,286 |
| Loan loss allowance to noncurrent loans | 96.2521% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4118% | 311 |
| Noncurrent loans to loans | 1.1609% | 827 |
| Net loans and leases to total assets | 51.6001% | 3,109 |
| Net loans and leases to deposits | 59.5366% | 3,122 |
| Net loans and leases to core deposits | 62.5367% | 3,114 |
| Total domestic deposits to total assets | 86.6696% | 2,634 |
| Equity capital to assets | 11.7741% | 1,358 |
| Core capital (leverage) ratio | 11.8902% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,168,200 | 4,069 |
| Average earning assets | $81,606,000 | 4,104 |
| Average equity | $11,467,400 | 3,982 |
| Average total loans | $50,853,400 | 3,982 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 511 |
| Cost of funding earning assets | 0.2515% | 3,112 |
| Net interest margin | 4.4190% | 364 |
| Noninterest income to average assets | 0.9006% | 1,255 |
| Noninterest expense to average assets | 4.3279% | 238 |
| Loan and lease loss provision to assets | 0.1290% | 903 |
| Net operating income to assets | 0.2459% | 4,579 |
| Return on assets (ROA) | 0.2775% | 4,574 |
| Pretax return on assets | 0.3440% | 4,554 |
| Return on Equity (ROE) | 2.2295% | 4,562 |
| Retained earnings to average equity (ytd only) | 0.8941% | 4,432 |
| Net charge-offs to loans | 0.2304% | 359 |
| Credit loss provision to net charge-offs | 101.1364% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.4091% | 2,312 |
| Efficiency ratio | 90.8925% | 296 |
| Assets per employee ($millions) | 2.0986% | 4,834 |
| Cash dividends to net income (ytd only)* | 59.8958% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,660 |
| Loan loss allowance to noncurrent loans | 149.5751% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 418 |
| Noncurrent loans to loans | 0.7024% | 1,580 |
| Net loans and leases to total assets | 52.6605% | 3,123 |
| Net loans and leases to deposits | 61.1179% | 3,128 |
| Net loans and leases to core deposits | 64.2993% | 3,109 |
| Total domestic deposits to total assets | 86.1622% | 2,685 |
| Equity capital to assets | 12.1732% | 1,322 |
| Core capital (leverage) ratio | 12.1094% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,235,500 | 4,128 |
| Average earning assets | $80,590,000 | 4,174 |
| Average equity | $11,482,000 | 4,038 |
| Average total loans | $50,925,500 | 4,033 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 561 |
| Cost of funding earning assets | 0.2577% | 3,211 |
| Net interest margin | 4.4109% | 409 |
| Noninterest income to average assets | 0.6841% | 1,871 |
| Noninterest expense to average assets | 4.3496% | 231 |
| Loan and lease loss provision to assets | 0.0415% | 2,177 |
| Net operating income to assets | 0.1125% | 4,699 |
| Return on assets (ROA) | 0.1574% | 4,684 |
| Pretax return on assets | 0.2033% | 4,666 |
| Return on Equity (ROE) | 1.2546% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.2546% | 4,290 |
| Net charge-offs to loans | 0.1721% | 491 |
| Credit loss provision to net charge-offs | 43.1818% | 1,643 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 2,153 |
| Efficiency ratio | 95.8574% | 223 |
| Assets per employee ($millions) | 2.0636% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,893 |
| Loan loss allowance to noncurrent loans | 105.4622% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 485 |
| Noncurrent loans to loans | 0.9269% | 1,334 |
| Net loans and leases to total assets | 54.7598% | 3,044 |
| Net loans and leases to deposits | 63.7023% | 3,032 |
| Net loans and leases to core deposits | 67.0778% | 3,032 |
| Total domestic deposits to total assets | 85.9620% | 2,751 |
| Equity capital to assets | 12.3894% | 1,185 |
| Core capital (leverage) ratio | 12.3786% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,501,667 | 4,157 |
| Average earning assets | $79,937,667 | 4,209 |
| Average equity | $11,477,333 | 4,049 |
| Average total loans | $51,147,667 | 4,055 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 792 |
| Cost of funding earning assets | 0.2672% | 3,304 |
| Net interest margin | 4.2203% | 579 |
| Noninterest income to average assets | 0.6078% | 2,172 |
| Noninterest expense to average assets | 4.3294% | 227 |
| Loan and lease loss provision to assets | 0.0352% | 2,305 |
| Net operating income to assets | -0.0596% | 4,794 |
| Return on assets (ROA) | 0.0308% | 4,770 |
| Pretax return on assets | 0.0440% | 4,763 |
| Return on Equity (ROE) | 0.2443% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.2443% | 4,341 |
| Net charge-offs to loans | 0.2664% | 321 |
| Credit loss provision to net charge-offs | 23.5294% | 1,406 |
| Earnings coverage of net charge-offs (x) | -0.2353% | 1,896 |
| Efficiency ratio | 100.8205% | 183 |
| Assets per employee ($millions) | 2.0767% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,865 |
| Loan loss allowance to noncurrent loans | 50.5040% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.9251% | 273 |
| Noncurrent loans to loans | 1.9661% | 555 |
| Net loans and leases to total assets | 54.6693% | 3,170 |
| Net loans and leases to deposits | 63.6506% | 3,160 |
| Net loans and leases to core deposits | 67.1204% | 3,147 |
| Total domestic deposits to total assets | 85.8897% | 2,775 |
| Equity capital to assets | 12.4895% | 1,087 |
| Core capital (leverage) ratio | 12.6061% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0457% | 449 |
| Memoranda: | ||
| Average total assets | $90,821,500 | 4,175 |
| Average earning assets | $79,330,000 | 4,227 |
| Average equity | $11,463,500 | 4,060 |
| Average total loans | $51,045,000 | 4,069 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 195 |
| Cost of funding earning assets | 0.3396% | 3,925 |
| Net interest margin | 5.1445% | 102 |
| Noninterest income to average assets | 0.6452% | 2,046 |
| Noninterest expense to average assets | 4.7452% | 216 |
| Loan and lease loss provision to assets | 0.0802% | 3,374 |
| Net operating income to assets | 0.2381% | 4,521 |
| Return on assets (ROA) | 0.2720% | 4,540 |
| Pretax return on assets | 0.3348% | 4,507 |
| Return on Equity (ROE) | 2.0613% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.0483% | 4,211 |
| Net charge-offs to loans | 0.1708% | 972 |
| Credit loss provision to net charge-offs | 77.5281% | 3,000 |
| Earnings coverage of net charge-offs (x) | 3.6067% | 3,066 |
| Efficiency ratio | 92.7095% | 299 |
| Assets per employee ($millions) | 2.0035% | 4,925 |
| Cash dividends to net income (ytd only)* | 49.1453% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,794 |
| Loan loss allowance to noncurrent loans | 158.7349% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 649 |
| Noncurrent loans to loans | 0.6430% | 2,074 |
| Net loans and leases to total assets | 56.6889% | 3,231 |
| Net loans and leases to deposits | 66.1699% | 3,252 |
| Net loans and leases to core deposits | 69.8258% | 3,264 |
| Total domestic deposits to total assets | 85.6717% | 2,500 |
| Equity capital to assets | 12.7711% | 1,194 |
| Core capital (leverage) ratio | 13.0083% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,023,600 | 4,174 |
| Average earning assets | $74,799,000 | 4,221 |
| Average equity | $11,352,200 | 4,043 |
| Average total loans | $52,120,000 | 4,065 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 219 |
| Cost of funding earning assets | 0.3563% | 4,024 |
| Net interest margin | 5.1733% | 108 |
| Noninterest income to average assets | 0.7248% | 1,719 |
| Noninterest expense to average assets | 4.7847% | 208 |
| Loan and lease loss provision to assets | 0.0988% | 3,091 |
| Net operating income to assets | 0.2623% | 4,504 |
| Return on assets (ROA) | 0.3075% | 4,486 |
| Pretax return on assets | 0.3843% | 4,451 |
| Return on Equity (ROE) | 2.3102% | 4,508 |
| Retained earnings to average equity (ytd only) | 0.9547% | 4,270 |
| Net charge-offs to loans | 0.1914% | 787 |
| Credit loss provision to net charge-offs | 84.0000% | 2,733 |
| Earnings coverage of net charge-offs (x) | 3.6267% | 2,899 |
| Efficiency ratio | 91.8122% | 318 |
| Assets per employee ($millions) | 1.9188% | 4,962 |
| Cash dividends to net income (ytd only)* | 58.6735% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,721 |
| Loan loss allowance to noncurrent loans | 151.1299% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 586 |
| Noncurrent loans to loans | 0.6591% | 2,140 |
| Net loans and leases to total assets | 61.5829% | 3,060 |
| Net loans and leases to deposits | 72.4406% | 3,093 |
| Net loans and leases to core deposits | 75.7997% | 3,184 |
| Total domestic deposits to total assets | 85.0116% | 2,432 |
| Equity capital to assets | 13.2848% | 1,071 |
| Core capital (leverage) ratio | 13.0017% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5581% | 481 |
| Memoranda: | ||
| Average total assets | $84,990,250 | 4,187 |
| Average earning assets | $73,710,500 | 4,247 |
| Average equity | $11,311,750 | 4,057 |
| Average total loans | $52,241,000 | 4,086 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6104% | 274 |
| Cost of funding earning assets | 0.3729% | 4,155 |
| Net interest margin | 5.2375% | 131 |
| Noninterest income to average assets | 0.6648% | 1,881 |
| Noninterest expense to average assets | 4.8286% | 208 |
| Loan and lease loss provision to assets | 0.0781% | 3,320 |
| Net operating income to assets | 0.2526% | 4,506 |
| Return on assets (ROA) | 0.2602% | 4,531 |
| Pretax return on assets | 0.3194% | 4,514 |
| Return on Equity (ROE) | 1.9541% | 4,544 |
| Retained earnings to average equity (ytd only) | -0.0888% | 4,317 |
| Net charge-offs to loans | 0.1198% | 1,129 |
| Credit loss provision to net charge-offs | 106.4516% | 2,357 |
| Earnings coverage of net charge-offs (x) | 5.2903% | 2,523 |
| Efficiency ratio | 92.5624% | 332 |
| Assets per employee ($millions) | 1.9736% | 4,993 |
| Cash dividends to net income (ytd only)* | 104.5455% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,430 |
| Loan loss allowance to noncurrent loans | 288.9474% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 957 |
| Noncurrent loans to loans | 0.3552% | 3,128 |
| Net loans and leases to total assets | 60.9581% | 3,220 |
| Net loans and leases to deposits | 71.5187% | 3,301 |
| Net loans and leases to core deposits | 74.7979% | 3,390 |
| Total domestic deposits to total assets | 85.2338% | 2,292 |
| Equity capital to assets | 13.1023% | 1,121 |
| Core capital (leverage) ratio | 13.0443% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,538,000 | 4,202 |
| Average earning assets | $73,470,333 | 4,255 |
| Average equity | $11,258,667 | 4,074 |
| Average total loans | $51,751,333 | 4,107 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5948% | 304 |
| Cost of funding earning assets | 0.4079% | 4,338 |
| Net interest margin | 5.1869% | 145 |
| Noninterest income to average assets | 0.7915% | 1,338 |
| Noninterest expense to average assets | 4.9936% | 224 |
| Loan and lease loss provision to assets | 0.0288% | 3,428 |
| Net operating income to assets | 0.2291% | 4,478 |
| Return on assets (ROA) | 0.2446% | 4,478 |
| Pretax return on assets | 0.3022% | 4,451 |
| Return on Equity (ROE) | 1.8216% | 4,480 |
| Retained earnings to average equity (ytd only) | -2.2859% | 4,284 |
| Net charge-offs to loans | 0.1651% | 797 |
| Credit loss provision to net charge-offs | 28.5714% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.0952% | 2,232 |
| Efficiency ratio | 94.1230% | 374 |
| Assets per employee ($millions) | 1.7811% | 5,040 |
| Cash dividends to net income (ytd only)* | 225.4902% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,453 |
| Loan loss allowance to noncurrent loans | 142.2460% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 682 |
| Noncurrent loans to loans | 0.7367% | 2,159 |
| Net loans and leases to total assets | 61.3141% | 3,372 |
| Net loans and leases to deposits | 72.4449% | 3,402 |
| Net loans and leases to core deposits | 75.9993% | 3,492 |
| Total domestic deposits to total assets | 84.6355% | 2,552 |
| Equity capital to assets | 13.6472% | 1,163 |
| Core capital (leverage) ratio | 13.4450% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,387,000 | 4,220 |
| Average earning assets | $72,567,000 | 4,279 |
| Average equity | $11,199,000 | 4,100 |
| Average total loans | $50,884,500 | 4,141 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3836% | 691 |
| Cost of funding earning assets | 0.3238% | 4,672 |
| Net interest margin | 5.0598% | 233 |
| Noninterest income to average assets | 0.5478% | 2,493 |
| Noninterest expense to average assets | 4.6107% | 275 |
| Loan and lease loss provision to assets | 0.1304% | 1,640 |
| Net operating income to assets | 0.1567% | 4,880 |
| Return on assets (ROA) | 0.1567% | 4,903 |
| Pretax return on assets | 0.2235% | 4,872 |
| Return on Equity (ROE) | 1.2808% | 4,885 |
| Retained earnings to average equity (ytd only) | 0.0448% | 4,682 |
| Net charge-offs to loans | 0.3755% | 531 |
| Credit loss provision to net charge-offs | 61.3402% | 3,022 |
| Earnings coverage of net charge-offs (x) | 1.6649% | 3,511 |
| Efficiency ratio | 92.8713% | 269 |
| Assets per employee ($millions) | 1.7286% | 5,102 |
| Cash dividends to net income (ytd only)* | 96.5035% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,324 |
| Loan loss allowance to noncurrent loans | 154.1176% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.4994% | 673 |
| Noncurrent loans to loans | 0.6666% | 2,219 |
| Net loans and leases to total assets | 59.5972% | 3,623 |
| Net loans and leases to deposits | 69.9179% | 3,679 |
| Net loans and leases to core deposits | 73.1976% | 3,784 |
| Total domestic deposits to total assets | 85.2388% | 2,401 |
| Equity capital to assets | 13.2948% | 1,374 |
| Core capital (leverage) ratio | 12.5810% | 1,442 |
| Tier 1 risk-based capital ratio | 23.0316% | 912 |
| Total risk-based capital ratio | 24.0999% | 906 |
| Memoranda: | ||
| Average total assets | $91,266,400 | 4,127 |
| Average earning assets | $79,667,400 | 4,192 |
| Average equity | $11,164,600 | 4,099 |
| Average total loans | $51,669,800 | 4,148 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 870 |
| Cost of funding earning assets | 0.3023% | 4,793 |
| Net interest margin | 4.9927% | 296 |
| Noninterest income to average assets | 0.6142% | 2,132 |
| Noninterest expense to average assets | 4.4488% | 314 |
| Loan and lease loss provision to assets | 0.1162% | 1,677 |
| Net operating income to assets | 0.3301% | 4,808 |
| Return on assets (ROA) | 0.3301% | 4,832 |
| Pretax return on assets | 0.4104% | 4,801 |
| Return on Equity (ROE) | 2.7527% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.1010% | 4,543 |
| Net charge-offs to loans | 0.3832% | 435 |
| Credit loss provision to net charge-offs | 54.3624% | 2,750 |
| Earnings coverage of net charge-offs (x) | 2.4631% | 3,192 |
| Efficiency ratio | 89.4145% | 344 |
| Assets per employee ($millions) | 2.0563% | 5,156 |
| Cash dividends to net income (ytd only)* | 60.0013% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,455 |
| Loan loss allowance to noncurrent loans | 177.0000% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 798 |
| Noncurrent loans to loans | 0.5767% | 2,568 |
| Net loans and leases to total assets | 51.0987% | 4,365 |
| Net loans and leases to deposits | 58.4225% | 4,458 |
| Net loans and leases to core deposits | 60.3580% | 4,523 |
| Total domestic deposits to total assets | 87.4640% | 1,277 |
| Equity capital to assets | 11.2884% | 2,843 |
| Core capital (leverage) ratio | 12.9153% | 1,375 |
| Tier 1 risk-based capital ratio | 21.2217% | 1,168 |
| Total risk-based capital ratio | 22.2115% | 1,175 |
| Memoranda: | ||
| Average total assets | $92,907,500 | 4,148 |
| Average earning assets | $81,156,750 | 4,217 |
| Average equity | $11,140,500 | 4,139 |
| Average total loans | $51,836,250 | 4,191 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4158% | 659 |
| Cost of funding earning assets | 0.3006% | 4,828 |
| Net interest margin | 5.1152% | 230 |
| Noninterest income to average assets | 0.6645% | 1,855 |
| Noninterest expense to average assets | 4.5453% | 293 |
| Loan and lease loss provision to assets | 0.1240% | 1,500 |
| Net operating income to assets | 0.3588% | 4,789 |
| Return on assets (ROA) | 0.3588% | 4,807 |
| Pretax return on assets | 0.4430% | 4,770 |
| Return on Equity (ROE) | 2.9288% | 4,804 |
| Retained earnings to average equity (ytd only) | 0.4339% | 4,583 |
| Net charge-offs to loans | 0.4828% | 330 |
| Credit loss provision to net charge-offs | 44.8000% | 2,511 |
| Earnings coverage of net charge-offs (x) | 2.0480% | 2,973 |
| Efficiency ratio | 88.9081% | 396 |
| Assets per employee ($millions) | 1.7967% | 5,224 |
| Cash dividends to net income (ytd only)* | 85.1852% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,520 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0594% | 440 |
| Noncurrent loans to loans | 0.7191% | 2,188 |
| Net loans and leases to total assets | 57.4604% | 3,965 |
| Net loans and leases to deposits | 66.7809% | 4,039 |
| Net loans and leases to core deposits | 69.3161% | 4,136 |
| Total domestic deposits to total assets | 86.0431% | 2,015 |
| Equity capital to assets | 12.5487% | 1,829 |
| Core capital (leverage) ratio | 12.2806% | 1,652 |
| Tier 1 risk-based capital ratio | 22.2848% | 1,024 |
| Total risk-based capital ratio | 23.3285% | 1,021 |
| Memoranda: | ||
| Average total assets | $90,290,670 | 4,219 |
| Average earning assets | $78,511,670 | 4,288 |
| Average equity | $11,062,670 | 4,163 |
| Average total loans | $51,776,000 | 4,228 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 743 |
| Cost of funding earning assets | 0.2698% | 4,932 |
| Net interest margin | 5.0392% | 269 |
| Noninterest income to average assets | 0.6275% | 1,925 |
| Noninterest expense to average assets | 4.4897% | 291 |
| Loan and lease loss provision to assets | 0.0619% | 2,418 |
| Net operating income to assets | 0.3712% | 4,788 |
| Return on assets (ROA) | 0.3712% | 4,793 |
| Pretax return on assets | 0.4507% | 4,773 |
| Return on Equity (ROE) | 3.0664% | 4,772 |
| Retained earnings to average equity (ytd only) | -1.9713% | 4,742 |
| Net charge-offs to loans | 0.1628% | 831 |
| Credit loss provision to net charge-offs | 66.6667% | 1,875 |
| Earnings coverage of net charge-offs (x) | 5.5238% | 2,260 |
| Efficiency ratio | 89.7527% | 401 |
| Assets per employee ($millions) | 1.8533% | 5,282 |
| Cash dividends to net income (ytd only)* | 164.2857% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,820 |
| Loan loss allowance to noncurrent loans | 159.5687% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 2.3277% | 358 |
| Noncurrent loans to loans | 0.7241% | 2,211 |
| Net loans and leases to total assets | 54.6548% | 4,157 |
| Net loans and leases to deposits | 63.0055% | 4,243 |
| Net loans and leases to core deposits | 65.0889% | 4,325 |
| Total domestic deposits to total assets | 86.7461% | 1,934 |
| Equity capital to assets | 11.8931% | 2,091 |
| Core capital (leverage) ratio | 12.7513% | 1,379 |
| Tier 1 risk-based capital ratio | 21.9763% | 1,053 |
| Total risk-based capital ratio | 23.1339% | 1,038 |
| Memoranda: | ||
| Average total assets | $90,519,000 | 4,256 |
| Average earning assets | $78,584,000 | 4,332 |
| Average equity | $10,957,500 | 4,196 |
| Average total loans | $51,589,500 | 4,270 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 453 |
| Cost of funding earning assets | 0.2486% | 4,814 |
| Net interest margin | 5.1901% | 191 |
| Noninterest income to average assets | 0.6089% | 2,248 |
| Noninterest expense to average assets | 4.6049% | 276 |
| Loan and lease loss provision to assets | 0.0908% | 2,331 |
| Net operating income to assets | 0.3272% | 4,975 |
| Return on assets (ROA) | 0.3807% | 4,888 |
| Pretax return on assets | 0.4715% | 4,841 |
| Return on Equity (ROE) | 3.2268% | 4,865 |
| Retained earnings to average equity (ytd only) | 1.9618% | 4,364 |
| Net charge-offs to loans | 0.2902% | 668 |
| Credit loss provision to net charge-offs | 54.9020% | 3,145 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,463 |
| Efficiency ratio | 90.2692% | 333 |
| Assets per employee ($millions) | 1.8082% | 5,326 |
| Cash dividends to net income (ytd only)* | 39.2045% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,813 |
| Loan loss allowance to noncurrent loans | 217.0290% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 333 |
| Noncurrent loans to loans | 0.5314% | 2,679 |
| Net loans and leases to total assets | 57.9456% | 3,968 |
| Net loans and leases to deposits | 67.3245% | 4,020 |
| Net loans and leases to core deposits | 68.7922% | 4,187 |
| Total domestic deposits to total assets | 86.0692% | 2,194 |
| Equity capital to assets | 12.4828% | 1,586 |
| Core capital (leverage) ratio | 12.8259% | 1,314 |
| Tier 1 risk-based capital ratio | 22.1893% | 1,004 |
| Total risk-based capital ratio | 23.3561% | 995 |
| Memoranda: | ||
| Average total assets | $92,465,800 | 4,231 |
| Average earning assets | $80,037,000 | 4,315 |
| Average equity | $10,908,600 | 4,171 |
| Average total loans | $52,718,000 | 4,248 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 454 |
| Cost of funding earning assets | 0.2437% | 4,822 |
| Net interest margin | 5.1300% | 204 |
| Noninterest income to average assets | 0.6193% | 2,214 |
| Noninterest expense to average assets | 4.4923% | 295 |
| Loan and lease loss provision to assets | 0.1099% | 1,837 |
| Net operating income to assets | 0.3745% | 4,995 |
| Return on assets (ROA) | 0.4438% | 4,874 |
| Pretax return on assets | 0.5480% | 4,820 |
| Return on Equity (ROE) | 3.8145% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.1218% | 4,532 |
| Net charge-offs to loans | 0.3477% | 472 |
| Credit loss provision to net charge-offs | 55.7971% | 2,786 |
| Earnings coverage of net charge-offs (x) | 2.9057% | 3,207 |
| Efficiency ratio | 88.7010% | 375 |
| Assets per employee ($millions) | 1.7444% | 5,399 |
| Cash dividends to net income (ytd only)* | 44.3737% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 2,776 |
| Loan loss allowance to noncurrent loans | 190.8805% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7318% | 297 |
| Noncurrent loans to loans | 0.6147% | 2,547 |
| Net loans and leases to total assets | 56.3636% | 4,182 |
| Net loans and leases to deposits | 65.1486% | 4,262 |
| Net loans and leases to core deposits | 66.5443% | 4,380 |
| Total domestic deposits to total assets | 86.5154% | 1,965 |
| Equity capital to assets | 12.0206% | 1,896 |
| Core capital (leverage) ratio | 12.4550% | 1,527 |
| Tier 1 risk-based capital ratio | 21.8288% | 1,069 |
| Total risk-based capital ratio | 22.9962% | 1,065 |
| Memoranda: | ||
| Average total assets | $93,431,750 | 4,251 |
| Average earning assets | $80,959,250 | 4,348 |
| Average equity | $10,870,750 | 4,218 |
| Average total loans | $52,912,500 | 4,293 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 458 |
| Cost of funding earning assets | 0.2418% | 4,789 |
| Net interest margin | 5.0684% | 220 |
| Noninterest income to average assets | 0.6042% | 2,301 |
| Noninterest expense to average assets | 4.4287% | 316 |
| Loan and lease loss provision to assets | 0.1293% | 1,531 |
| Net operating income to assets | 0.3562% | 5,040 |
| Return on assets (ROA) | 0.4579% | 4,846 |
| Pretax return on assets | 0.5724% | 4,781 |
| Return on Equity (ROE) | 3.9780% | 4,831 |
| Retained earnings to average equity (ytd only) | 1.4365% | 4,655 |
| Net charge-offs to loans | 0.5140% | 293 |
| Credit loss provision to net charge-offs | 44.5255% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.9781% | 3,007 |
| Efficiency ratio | 88.5169% | 433 |
| Assets per employee ($millions) | 1.7930% | 5,461 |
| Cash dividends to net income (ytd only)* | 63.8889% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,094 |
| Loan loss allowance to noncurrent loans | 73.6318% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 3.1297% | 224 |
| Noncurrent loans to loans | 1.5344% | 1,086 |
| Net loans and leases to total assets | 55.5649% | 4,196 |
| Net loans and leases to deposits | 63.9261% | 4,283 |
| Net loans and leases to core deposits | 65.2621% | 4,408 |
| Total domestic deposits to total assets | 86.9204% | 1,872 |
| Equity capital to assets | 11.6552% | 2,087 |
| Core capital (leverage) ratio | 11.8904% | 1,782 |
| Tier 1 risk-based capital ratio | 21.0290% | 1,171 |
| Total risk-based capital ratio | 22.1350% | 1,166 |
| Memoranda: | ||
| Average total assets | $94,338,670 | 4,274 |
| Average earning assets | $81,880,670 | 4,368 |
| Average equity | $10,859,670 | 4,254 |
| Average total loans | $53,305,000 | 4,321 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 476 |
| Cost of funding earning assets | 0.2374% | 4,781 |
| Net interest margin | 4.9766% | 238 |
| Noninterest income to average assets | 0.6197% | 2,172 |
| Noninterest expense to average assets | 4.4431% | 310 |
| Loan and lease loss provision to assets | 0.1475% | 1,238 |
| Net operating income to assets | 0.2850% | 5,122 |
| Return on assets (ROA) | 0.4848% | 4,736 |
| Pretax return on assets | 0.6112% | 4,661 |
| Return on Equity (ROE) | 4.2373% | 4,703 |
| Retained earnings to average equity (ytd only) | -0.8475% | 4,899 |
| Net charge-offs to loans | 0.2827% | 544 |
| Credit loss provision to net charge-offs | 92.1053% | 1,655 |
| Earnings coverage of net charge-offs (x) | 3.1579% | 2,410 |
| Efficiency ratio | 89.7785% | 454 |
| Assets per employee ($millions) | 1.8243% | 5,521 |
| Cash dividends to net income (ytd only)* | 120.0000% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,604 |
| Loan loss allowance to noncurrent loans | 35.4478% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 3.4364% | 209 |
| Noncurrent loans to loans | 3.4860% | 300 |
| Net loans and leases to total assets | 56.0264% | 4,120 |
| Net loans and leases to deposits | 64.3821% | 4,191 |
| Net loans and leases to core deposits | 65.7016% | 4,329 |
| Total domestic deposits to total assets | 87.0217% | 2,109 |
| Equity capital to assets | 11.3697% | 2,243 |
| Core capital (leverage) ratio | 11.8344% | 1,757 |
| Tier 1 risk-based capital ratio | 20.4754% | 1,268 |
| Total risk-based capital ratio | 21.6960% | 1,252 |
| Memoranda: | ||
| Average total assets | $94,889,500 | 4,309 |
| Average earning assets | $82,547,000 | 4,400 |
| Average equity | $10,856,000 | 4,297 |
| Average total loans | $53,758,000 | 4,357 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 654 |
| Cost of funding earning assets | 0.2256% | 4,750 |
| Net interest margin | 4.7696% | 373 |
| Noninterest income to average assets | 0.6873% | 2,022 |
| Noninterest expense to average assets | 4.2456% | 396 |
| Loan and lease loss provision to assets | 0.0946% | 2,310 |
| Net operating income to assets | 0.4025% | 4,684 |
| Return on assets (ROA) | 0.4154% | 4,667 |
| Pretax return on assets | 0.5768% | 4,793 |
| Return on Equity (ROE) | 3.8233% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.7689% | 3,652 |
| Net charge-offs to loans | 0.2089% | 1,247 |
| Credit loss provision to net charge-offs | 84.8214% | 2,872 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 3,264 |
| Efficiency ratio | 86.6612% | 605 |
| Assets per employee ($millions) | 1.8209% | 5,586 |
| Cash dividends to net income (ytd only)* | 27.5779% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,509 |
| Loan loss allowance to noncurrent loans | 55.5278% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.5389% | 369 |
| Noncurrent loans to loans | 2.2402% | 641 |
| Net loans and leases to total assets | 56.0099% | 4,186 |
| Net loans and leases to deposits | 64.2824% | 4,303 |
| Net loans and leases to core deposits | 65.5959% | 4,435 |
| Total domestic deposits to total assets | 87.1310% | 1,932 |
| Equity capital to assets | 11.6682% | 2,061 |
| Core capital (leverage) ratio | 11.4909% | 1,945 |
| Tier 1 risk-based capital ratio | 20.4201% | 1,245 |
| Total risk-based capital ratio | 21.6807% | 1,213 |
| Memoranda: | ||
| Average total assets | $100,386,600 | 4,228 |
| Average earning assets | $88,645,000 | 4,319 |
| Average equity | $10,906,800 | 4,317 |
| Average total loans | $53,626,600 | 4,376 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 848 |
| Cost of funding earning assets | 0.2188% | 4,823 |
| Net interest margin | 4.6263% | 467 |
| Noninterest income to average assets | 0.6941% | 2,029 |
| Noninterest expense to average assets | 4.1487% | 430 |
| Loan and lease loss provision to assets | 0.0995% | 2,122 |
| Net operating income to assets | 0.3790% | 5,044 |
| Return on assets (ROA) | 0.3955% | 5,037 |
| Pretax return on assets | 0.5684% | 4,894 |
| Return on Equity (ROE) | 3.7038% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.2934% | 4,493 |
| Net charge-offs to loans | 0.2015% | 1,058 |
| Credit loss provision to net charge-offs | 93.8272% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.0739% | 3,022 |
| Efficiency ratio | 86.5574% | 597 |
| Assets per employee ($millions) | 1.9170% | 5,637 |
| Cash dividends to net income (ytd only)* | 38.0793% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,476 |
| Loan loss allowance to noncurrent loans | 38.8128% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 3.0045% | 297 |
| Noncurrent loans to loans | 3.2908% | 357 |
| Net loans and leases to total assets | 52.7266% | 4,518 |
| Net loans and leases to deposits | 60.0919% | 4,636 |
| Net loans and leases to core deposits | 61.2480% | 4,754 |
| Total domestic deposits to total assets | 87.7433% | 1,501 |
| Equity capital to assets | 11.0830% | 2,779 |
| Core capital (leverage) ratio | 11.3515% | 2,142 |
| Tier 1 risk-based capital ratio | 19.8589% | 1,389 |
| Total risk-based capital ratio | 21.1099% | 1,358 |
| Memoranda: | ||
| Average total assets | $101,812,000 | 4,247 |
| Average earning assets | $90,206,000 | 4,329 |
| Average equity | $10,871,500 | 4,366 |
| Average total loans | $53,608,000 | 4,413 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 759 |
| Cost of funding earning assets | 0.2154% | 4,839 |
| Net interest margin | 4.6448% | 437 |
| Noninterest income to average assets | 0.7023% | 1,981 |
| Noninterest expense to average assets | 4.1728% | 427 |
| Loan and lease loss provision to assets | 0.1229% | 1,683 |
| Net operating income to assets | 0.3618% | 5,065 |
| Return on assets (ROA) | 0.3843% | 5,040 |
| Pretax return on assets | 0.5618% | 4,878 |
| Return on Equity (ROE) | 3.6439% | 4,939 |
| Retained earnings to average equity (ytd only) | 1.5167% | 4,640 |
| Net charge-offs to loans | 0.1787% | 1,110 |
| Credit loss provision to net charge-offs | 131.2500% | 1,672 |
| Earnings coverage of net charge-offs (x) | 6.9583% | 2,652 |
| Efficiency ratio | 86.4941% | 655 |
| Assets per employee ($millions) | 1.9209% | 5,683 |
| Cash dividends to net income (ytd only)* | 58.3756% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,350 |
| Loan loss allowance to noncurrent loans | 41.0557% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.8428% | 340 |
| Noncurrent loans to loans | 3.1955% | 384 |
| Net loans and leases to total assets | 53.7482% | 4,414 |
| Net loans and leases to deposits | 61.3764% | 4,538 |
| Net loans and leases to core deposits | 63.3296% | 4,647 |
| Total domestic deposits to total assets | 87.5715% | 1,678 |
| Equity capital to assets | 11.2006% | 2,590 |
| Core capital (leverage) ratio | 11.2589% | 2,170 |
| Tier 1 risk-based capital ratio | 19.8051% | 1,408 |
| Total risk-based capital ratio | 21.0916% | 1,370 |
| Memoranda: | ||
| Average total assets | $102,521,330 | 4,262 |
| Average earning assets | $90,982,670 | 4,330 |
| Average equity | $10,812,670 | 4,387 |
| Average total loans | $53,730,670 | 4,431 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 729 |
| Cost of funding earning assets | 0.2101% | 4,883 |
| Net interest margin | 4.6004% | 446 |
| Noninterest income to average assets | 0.5954% | 2,443 |
| Noninterest expense to average assets | 4.1718% | 437 |
| Loan and lease loss provision to assets | 0.0649% | 2,502 |
| Net operating income to assets | 0.3019% | 5,188 |
| Return on assets (ROA) | 0.3397% | 5,122 |
| Pretax return on assets | 0.5115% | 4,943 |
| Return on Equity (ROE) | 3.3170% | 5,018 |
| Retained earnings to average equity (ytd only) | -0.9690% | 5,058 |
| Net charge-offs to loans | 0.3932% | 464 |
| Credit loss provision to net charge-offs | 32.0755% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.5660% | 2,577 |
| Efficiency ratio | 88.9341% | 609 |
| Assets per employee ($millions) | 1.9220% | 5,744 |
| Cash dividends to net income (ytd only)* | 129.2135% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,019 |
| Loan loss allowance to noncurrent loans | 68.0294% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 735 |
| Noncurrent loans to loans | 1.7913% | 1,046 |
| Net loans and leases to total assets | 52.6380% | 4,457 |
| Net loans and leases to deposits | 59.8662% | 4,574 |
| Net loans and leases to core deposits | 61.7356% | 4,676 |
| Total domestic deposits to total assets | 87.9261% | 1,758 |
| Equity capital to assets | 10.7671% | 2,894 |
| Core capital (leverage) ratio | 10.4760% | 2,934 |
| Tier 1 risk-based capital ratio | 19.6473% | 1,465 |
| Total risk-based capital ratio | 20.8553% | 1,445 |
| Memoranda: | ||
| Average total assets | $104,798,000 | 4,270 |
| Average earning assets | $93,296,000 | 4,326 |
| Average equity | $10,732,500 | 4,432 |
| Average total loans | $53,918,000 | 4,458 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 1,003 |
| Cost of funding earning assets | 0.2356% | 4,694 |
| Net interest margin | 4.4957% | 632 |
| Noninterest income to average assets | 0.4768% | 3,366 |
| Noninterest expense to average assets | 3.8942% | 695 |
| Loan and lease loss provision to assets | 0.0682% | 3,005 |
| Net operating income to assets | 0.3548% | 5,068 |
| Return on assets (ROA) | 0.3567% | 5,152 |
| Pretax return on assets | 0.5104% | 5,001 |
| Return on Equity (ROE) | 3.6257% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.0256% | 4,386 |
| Net charge-offs to loans | 0.3243% | 849 |
| Credit loss provision to net charge-offs | 42.3729% | 3,474 |
| Earnings coverage of net charge-offs (x) | 3.5763% | 3,638 |
| Efficiency ratio | 87.1158% | 745 |
| Assets per employee ($millions) | 2.0665% | 5,786 |
| Cash dividends to net income (ytd only)* | 44.1327% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,789 |
| Loan loss allowance to noncurrent loans | 49.5658% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.9521% | 715 |
| Noncurrent loans to loans | 2.5321% | 620 |
| Net loans and leases to total assets | 49.2070% | 4,819 |
| Net loans and leases to deposits | 55.1481% | 4,958 |
| Net loans and leases to core deposits | 56.8484% | 5,019 |
| Total domestic deposits to total assets | 89.2271% | 995 |
| Equity capital to assets | 9.7832% | 3,966 |
| Core capital (leverage) ratio | 10.0450% | 3,431 |
| Tier 1 risk-based capital ratio | 18.5806% | 1,704 |
| Total risk-based capital ratio | 19.7869% | 1,684 |
| Memoranda: | ||
| Average total assets | $109,906,800 | 4,164 |
| Average earning assets | $97,626,800 | 4,243 |
| Average equity | $10,811,800 | 4,452 |
| Average total loans | $54,585,200 | 4,440 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 992 |
| Cost of funding earning assets | 0.2406% | 4,693 |
| Net interest margin | 4.5042% | 623 |
| Noninterest income to average assets | 0.4594% | 3,493 |
| Noninterest expense to average assets | 3.9004% | 674 |
| Loan and lease loss provision to assets | 0.0606% | 3,035 |
| Net operating income to assets | 0.3405% | 5,184 |
| Return on assets (ROA) | 0.3430% | 5,261 |
| Pretax return on assets | 0.4957% | 5,134 |
| Return on Equity (ROE) | 3.4821% | 5,087 |
| Retained earnings to average equity (ytd only) | 1.3535% | 4,970 |
| Net charge-offs to loans | 0.3908% | 557 |
| Credit loss provision to net charge-offs | 31.2500% | 3,215 |
| Earnings coverage of net charge-offs (x) | 2.8500% | 3,509 |
| Efficiency ratio | 87.5885% | 702 |
| Assets per employee ($millions) | 2.0985% | 5,848 |
| Cash dividends to net income (ytd only)* | 61.1311% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 3,017 |
| Loan loss allowance to noncurrent loans | 41.8936% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.1399% | 700 |
| Noncurrent loans to loans | 2.9594% | 512 |
| Net loans and leases to total assets | 48.4872% | 4,924 |
| Net loans and leases to deposits | 54.4392% | 5,086 |
| Net loans and leases to core deposits | 56.0990% | 5,145 |
| Total domestic deposits to total assets | 89.0668% | 868 |
| Equity capital to assets | 9.8650% | 4,287 |
| Core capital (leverage) ratio | 9.8852% | 3,714 |
| Tier 1 risk-based capital ratio | 17.9756% | 1,932 |
| Total risk-based capital ratio | 19.1047% | 1,924 |
| Memoranda: | ||
| Average total assets | $110,002,250 | 4,193 |
| Average earning assets | $97,535,000 | 4,281 |
| Average equity | $10,836,000 | 4,492 |
| Average total loans | $54,586,750 | 4,478 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 947 |
| Cost of funding earning assets | 0.2447% | 4,712 |
| Net interest margin | 4.5130% | 601 |
| Noninterest income to average assets | 0.4580% | 3,468 |
| Noninterest expense to average assets | 3.9363% | 646 |
| Loan and lease loss provision to assets | 0.0365% | 3,430 |
| Net operating income to assets | 0.3400% | 5,206 |
| Return on assets (ROA) | 0.3413% | 5,289 |
| Pretax return on assets | 0.4927% | 5,145 |
| Return on Equity (ROE) | 3.4660% | 5,109 |
| Retained earnings to average equity (ytd only) | 0.2595% | 5,226 |
| Net charge-offs to loans | 0.3444% | 682 |
| Credit loss provision to net charge-offs | 21.2766% | 2,921 |
| Earnings coverage of net charge-offs (x) | 3.0745% | 3,170 |
| Efficiency ratio | 88.1848% | 713 |
| Assets per employee ($millions) | 1.9867% | 5,939 |
| Cash dividends to net income (ytd only)* | 92.5134% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,765 |
| Loan loss allowance to noncurrent loans | 50.1406% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.1839% | 708 |
| Noncurrent loans to loans | 2.5985% | 647 |
| Net loans and leases to total assets | 50.3444% | 4,820 |
| Net loans and leases to deposits | 56.7289% | 4,970 |
| Net loans and leases to core deposits | 59.0304% | 5,023 |
| Total domestic deposits to total assets | 88.7457% | 1,045 |
| Equity capital to assets | 10.1591% | 4,013 |
| Core capital (leverage) ratio | 9.6212% | 4,036 |
| Tier 1 risk-based capital ratio | 18.1567% | 1,887 |
| Total risk-based capital ratio | 19.3832% | 1,864 |
| Memoranda: | ||
| Average total assets | $109,596,000 | 4,235 |
| Average earning assets | $97,274,000 | 4,320 |
| Average equity | $10,790,670 | 4,527 |
| Average total loans | $54,580,670 | 4,517 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,363 |
| Cost of funding earning assets | 0.2440% | 4,762 |
| Net interest margin | 4.3148% | 902 |
| Noninterest income to average assets | 0.4804% | 3,259 |
| Noninterest expense to average assets | 3.9114% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2817% | 5,354 |
| Return on assets (ROA) | 0.2817% | 5,432 |
| Pretax return on assets | 0.4009% | 5,310 |
| Return on Equity (ROE) | 2.9060% | 5,273 |
| Retained earnings to average equity (ytd only) | -3.5393% | 5,518 |
| Net charge-offs to loans | 0.4770% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.7077% | 2,781 |
| Efficiency ratio | 90.7035% | 624 |
| Assets per employee ($millions) | 2.0600% | 5,984 |
| Cash dividends to net income (ytd only)* | 221.7949% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 2,745 |
| Loan loss allowance to noncurrent loans | 39.9116% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.5417% | 575 |
| Noncurrent loans to loans | 3.3396% | 429 |
| Net loans and leases to total assets | 48.9531% | 4,896 |
| Net loans and leases to deposits | 54.9489% | 5,042 |
| Net loans and leases to core deposits | 57.1261% | 5,085 |
| Total domestic deposits to total assets | 89.0885% | 1,059 |
| Equity capital to assets | 9.8381% | 4,288 |
| Core capital (leverage) ratio | 9.6722% | 3,944 |
| Tier 1 risk-based capital ratio | 17.7186% | 2,064 |
| Total risk-based capital ratio | 18.9260% | 2,042 |
| Memoranda: | ||
| Average total assets | $110,752,500 | 4,250 |
| Average earning assets | $98,359,500 | 4,335 |
| Average equity | $10,736,500 | 4,553 |
| Average total loans | $54,509,000 | 4,539 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 725 |
| Cost of funding earning assets | 0.2918% | 4,348 |
| Net interest margin | 4.6320% | 510 |
| Noninterest income to average assets | 0.5521% | 3,000 |
| Noninterest expense to average assets | 3.9740% | 696 |
| Loan and lease loss provision to assets | 0.0614% | 3,073 |
| Net operating income to assets | 0.4468% | 4,894 |
| Return on assets (ROA) | 0.4494% | 4,968 |
| Pretax return on assets | 0.6402% | 4,704 |
| Return on Equity (ROE) | 4.6651% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.5702% | 3,521 |
| Net charge-offs to loans | 0.1533% | 1,842 |
| Credit loss provision to net charge-offs | 77.0115% | 3,000 |
| Earnings coverage of net charge-offs (x) | 8.7471% | 2,909 |
| Efficiency ratio | 85.0609% | 1,084 |
| Assets per employee ($millions) | 2.1202% | 6,024 |
| Cash dividends to net income (ytd only)* | 23.4694% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 2,278 |
| Loan loss allowance to noncurrent loans | 48.7608% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.5140% | 616 |
| Noncurrent loans to loans | 2.9409% | 554 |
| Net loans and leases to total assets | 48.1392% | 5,004 |
| Net loans and leases to deposits | 53.7944% | 5,172 |
| Net loans and leases to core deposits | 55.8517% | 5,211 |
| Total domestic deposits to total assets | 89.4874% | 864 |
| Equity capital to assets | 9.5675% | 4,479 |
| Core capital (leverage) ratio | 9.3166% | 4,450 |
| Tier 1 risk-based capital ratio | 17.5861% | 2,099 |
| Total risk-based capital ratio | 18.8360% | 2,047 |
| Memoranda: | ||
| Average total assets | $109,035,000 | 4,277 |
| Average earning assets | $96,976,600 | 4,370 |
| Average equity | $10,503,600 | 4,564 |
| Average total loans | $56,767,600 | 4,474 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 618 |
| Cost of funding earning assets | 0.3008% | 4,333 |
| Net interest margin | 4.7029% | 451 |
| Noninterest income to average assets | 0.5705% | 2,910 |
| Noninterest expense to average assets | 3.9962% | 669 |
| Loan and lease loss provision to assets | 0.0801% | 2,567 |
| Net operating income to assets | 0.4648% | 4,915 |
| Return on assets (ROA) | 0.4682% | 5,000 |
| Pretax return on assets | 0.6802% | 4,750 |
| Return on Equity (ROE) | 4.8522% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.3837% | 4,061 |
| Net charge-offs to loans | 0.1654% | 1,495 |
| Credit loss provision to net charge-offs | 91.5493% | 2,450 |
| Earnings coverage of net charge-offs (x) | 8.6342% | 2,784 |
| Efficiency ratio | 84.1027% | 1,158 |
| Assets per employee ($millions) | 2.1839% | 6,088 |
| Cash dividends to net income (ytd only)* | 30.2635% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 2,408 |
| Loan loss allowance to noncurrent loans | 54.1949% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.4070% | 737 |
| Noncurrent loans to loans | 2.6577% | 736 |
| Net loans and leases to total assets | 47.3554% | 5,127 |
| Net loans and leases to deposits | 52.7459% | 5,325 |
| Net loans and leases to core deposits | 57.6265% | 5,211 |
| Total domestic deposits to total assets | 89.7802% | 663 |
| Equity capital to assets | 9.2504% | 5,057 |
| Core capital (leverage) ratio | 9.9159% | 3,752 |
| Tier 1 risk-based capital ratio | 17.2910% | 2,258 |
| Total risk-based capital ratio | 18.5406% | 2,214 |
| Memoranda: | ||
| Average total assets | $108,201,250 | 4,339 |
| Average earning assets | $96,194,500 | 4,433 |
| Average equity | $10,441,750 | 4,631 |
| Average total loans | $57,239,250 | 4,497 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 484 |
| Cost of funding earning assets | 0.3118% | 4,262 |
| Net interest margin | 4.8065% | 356 |
| Noninterest income to average assets | 0.5677% | 2,924 |
| Noninterest expense to average assets | 4.1311% | 591 |
| Loan and lease loss provision to assets | 0.0700% | 2,706 |
| Net operating income to assets | 0.4319% | 5,032 |
| Return on assets (ROA) | 0.4371% | 5,111 |
| Pretax return on assets | 0.6340% | 4,882 |
| Return on Equity (ROE) | 4.4623% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.2408% | 4,597 |
| Net charge-offs to loans | 0.1627% | 1,496 |
| Credit loss provision to net charge-offs | 78.7234% | 2,349 |
| Earnings coverage of net charge-offs (x) | 7.8298% | 2,622 |
| Efficiency ratio | 85.5743% | 1,097 |
| Assets per employee ($millions) | 1.9851% | 6,215 |
| Cash dividends to net income (ytd only)* | 49.7835% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,768 |
| Loan loss allowance to noncurrent loans | 58.0058% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.2249% | 930 |
| Noncurrent loans to loans | 2.4102% | 945 |
| Net loans and leases to total assets | 52.4376% | 4,715 |
| Net loans and leases to deposits | 58.7220% | 4,944 |
| Net loans and leases to core deposits | 66.4213% | 4,617 |
| Total domestic deposits to total assets | 89.2981% | 1,006 |
| Equity capital to assets | 9.6963% | 4,403 |
| Core capital (leverage) ratio | 9.7704% | 3,914 |
| Tier 1 risk-based capital ratio | 17.5177% | 2,215 |
| Total risk-based capital ratio | 18.7683% | 2,170 |
| Memoranda: | ||
| Average total assets | $105,686,330 | 4,430 |
| Average earning assets | $93,664,000 | 4,523 |
| Average equity | $10,353,330 | 4,676 |
| Average total loans | $57,781,330 | 4,515 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 442 |
| Cost of funding earning assets | 0.3097% | 4,329 |
| Net interest margin | 4.8435% | 322 |
| Noninterest income to average assets | 0.5756% | 2,796 |
| Noninterest expense to average assets | 4.1742% | 570 |
| Loan and lease loss provision to assets | 0.1105% | 1,870 |
| Net operating income to assets | 0.4123% | 5,027 |
| Return on assets (ROA) | 0.4231% | 5,101 |
| Pretax return on assets | 0.5985% | 4,917 |
| Return on Equity (ROE) | 4.2969% | 4,847 |
| Retained earnings to average equity (ytd only) | -0.1548% | 5,405 |
| Net charge-offs to loans | 0.1031% | 1,701 |
| Credit loss provision to net charge-offs | 193.3333% | 1,076 |
| Earnings coverage of net charge-offs (x) | 12.1333% | 1,816 |
| Efficiency ratio | 85.7478% | 1,204 |
| Assets per employee ($millions) | 1.7851% | 6,310 |
| Cash dividends to net income (ytd only)* | 103.6036% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 2,790 |
| Loan loss allowance to noncurrent loans | 47.9556% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6775% | 759 |
| Noncurrent loans to loans | 2.9801% | 732 |
| Net loans and leases to total assets | 53.7646% | 4,475 |
| Net loans and leases to deposits | 60.3702% | 4,716 |
| Net loans and leases to core deposits | 67.8977% | 4,334 |
| Total domestic deposits to total assets | 89.0583% | 1,226 |
| Equity capital to assets | 9.9106% | 4,254 |
| Core capital (leverage) ratio | 9.7832% | 3,912 |
| Tier 1 risk-based capital ratio | 17.6917% | 2,238 |
| Total risk-based capital ratio | 18.9421% | 2,203 |
| Memoranda: | ||
| Average total assets | $104,931,500 | 4,479 |
| Average earning assets | $92,990,500 | 4,574 |
| Average equity | $10,333,000 | 4,715 |
| Average total loans | $58,168,000 | 4,538 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 482 |
| Cost of funding earning assets | 0.3236% | 4,549 |
| Net interest margin | 4.9195% | 344 |
| Noninterest income to average assets | 0.4638% | 3,754 |
| Noninterest expense to average assets | 4.2715% | 562 |
| Loan and lease loss provision to assets | 0.0818% | 2,844 |
| Net operating income to assets | 0.3236% | 5,457 |
| Return on assets (ROA) | 0.4265% | 5,201 |
| Pretax return on assets | 0.6148% | 4,894 |
| Return on Equity (ROE) | 4.7622% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.4268% | 4,506 |
| Net charge-offs to loans | 0.4355% | 972 |
| Credit loss provision to net charge-offs | 33.8346% | 3,780 |
| Earnings coverage of net charge-offs (x) | 2.2632% | 4,209 |
| Efficiency ratio | 88.6394% | 941 |
| Assets per employee ($millions) | 1.6578% | 6,415 |
| Cash dividends to net income (ytd only)* | 49.0405% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 3,083 |
| Loan loss allowance to noncurrent loans | 42.5858% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.8524% | 746 |
| Noncurrent loans to loans | 3.2172% | 677 |
| Net loans and leases to total assets | 55.6258% | 4,377 |
| Net loans and leases to deposits | 62.3036% | 4,701 |
| Net loans and leases to core deposits | 70.4207% | 4,289 |
| Total domestic deposits to total assets | 89.2818% | 1,080 |
| Equity capital to assets | 9.8210% | 4,322 |
| Core capital (leverage) ratio | 9.9463% | 3,648 |
| Tier 1 risk-based capital ratio | 17.7386% | 2,223 |
| Total risk-based capital ratio | 18.9894% | 2,189 |
| Memoranda: | ||
| Average total assets | $109,961,200 | 4,384 |
| Average earning assets | $97,348,000 | 4,466 |
| Average equity | $9,848,400 | 4,783 |
| Average total loans | $61,073,600 | 4,458 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 471 |
| Cost of funding earning assets | 0.3245% | 4,623 |
| Net interest margin | 4.9290% | 335 |
| Noninterest income to average assets | 0.5341% | 3,300 |
| Noninterest expense to average assets | 4.2199% | 600 |
| Loan and lease loss provision to assets | 0.0695% | 2,959 |
| Net operating income to assets | 0.4237% | 5,161 |
| Return on assets (ROA) | 0.5592% | 4,710 |
| Pretax return on assets | 0.8071% | 4,339 |
| Return on Equity (ROE) | 6.3886% | 4,035 |
| Retained earnings to average equity (ytd only) | 3.2422% | 4,319 |
| Net charge-offs to loans | 0.2856% | 1,377 |
| Credit loss provision to net charge-offs | 43.9394% | 3,220 |
| Earnings coverage of net charge-offs (x) | 4.3029% | 3,490 |
| Efficiency ratio | 86.1193% | 1,172 |
| Assets per employee ($millions) | 1.6175% | 6,498 |
| Cash dividends to net income (ytd only)* | 49.2508% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 2,595 |
| Loan loss allowance to noncurrent loans | 51.1811% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.8438% | 851 |
| Noncurrent loans to loans | 2.9804% | 898 |
| Net loans and leases to total assets | 56.7483% | 4,234 |
| Net loans and leases to deposits | 63.7384% | 4,572 |
| Net loans and leases to core deposits | 73.0284% | 4,047 |
| Total domestic deposits to total assets | 89.0332% | 1,220 |
| Equity capital to assets | 9.8182% | 4,398 |
| Core capital (leverage) ratio | 9.8866% | 3,832 |
| Tier 1 risk-based capital ratio | 17.6354% | 2,344 |
| Total risk-based capital ratio | 18.8893% | 2,302 |
| Memoranda: | ||
| Average total assets | $111,341,750 | 4,391 |
| Average earning assets | $98,625,000 | 4,480 |
| Average equity | $9,746,250 | 4,839 |
| Average total loans | $61,616,500 | 4,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 529 |
| Cost of funding earning assets | 0.3204% | 4,752 |
| Net interest margin | 4.8549% | 374 |
| Noninterest income to average assets | 0.5055% | 3,444 |
| Noninterest expense to average assets | 4.1089% | 668 |
| Loan and lease loss provision to assets | 0.0491% | 3,320 |
| Net operating income to assets | 0.4527% | 4,999 |
| Return on assets (ROA) | 0.5424% | 4,733 |
| Pretax return on assets | 0.7863% | 4,330 |
| Return on Equity (ROE) | 6.4328% | 3,922 |
| Retained earnings to average equity (ytd only) | 1.6446% | 5,077 |
| Net charge-offs to loans | 0.2826% | 1,407 |
| Credit loss provision to net charge-offs | 31.8182% | 3,033 |
| Earnings coverage of net charge-offs (x) | 4.5682% | 3,084 |
| Efficiency ratio | 85.3445% | 1,337 |
| Assets per employee ($millions) | 1.6718% | 6,555 |
| Cash dividends to net income (ytd only)* | 74.4337% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 2,777 |
| Loan loss allowance to noncurrent loans | 74.5763% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 1,453 |
| Noncurrent loans to loans | 2.0451% | 1,645 |
| Net loans and leases to total assets | 54.9002% | 4,421 |
| Net loans and leases to deposits | 61.1383% | 4,771 |
| Net loans and leases to core deposits | 72.0845% | 4,045 |
| Total domestic deposits to total assets | 89.7966% | 908 |
| Equity capital to assets | 9.2289% | 5,073 |
| Core capital (leverage) ratio | 9.0419% | 4,956 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,677 |
| Total risk-based capital ratio | 18.1203% | 2,646 |
| Memoranda: | ||
| Average total assets | $113,948,330 | 4,364 |
| Average earning assets | $101,135,000 | 4,438 |
| Average equity | $9,607,000 | 4,889 |
| Average total loans | $62,269,670 | 4,473 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1165% | 578 |
| Cost of funding earning assets | 0.3178% | 4,889 |
| Net interest margin | 4.7986% | 382 |
| Noninterest income to average assets | 0.5695% | 2,923 |
| Noninterest expense to average assets | 4.0039% | 755 |
| Loan and lease loss provision to assets | 0.0549% | 3,020 |
| Net operating income to assets | 0.5181% | 4,594 |
| Return on assets (ROA) | 0.5181% | 4,669 |
| Pretax return on assets | 0.7582% | 4,280 |
| Return on Equity (ROE) | 6.4283% | 3,791 |
| Retained earnings to average equity (ytd only) | -3.3631% | 6,001 |
| Net charge-offs to loans | 0.3359% | 1,066 |
| Credit loss provision to net charge-offs | 30.1887% | 2,394 |
| Earnings coverage of net charge-offs (x) | 4.4717% | 2,520 |
| Efficiency ratio | 83.1197% | 1,779 |
| Assets per employee ($millions) | 1.7692% | 6,619 |
| Cash dividends to net income (ytd only)* | 152.3179% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,990 |
| Loan loss allowance to noncurrent loans | 103.3843% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.8122% | 1,931 |
| Noncurrent loans to loans | 1.4866% | 2,556 |
| Net loans and leases to total assets | 52.7574% | 4,566 |
| Net loans and leases to deposits | 58.1793% | 4,920 |
| Net loans and leases to core deposits | 68.3814% | 4,271 |
| Total domestic deposits to total assets | 90.6807% | 694 |
| Equity capital to assets | 8.3897% | 5,752 |
| Core capital (leverage) ratio | 8.7196% | 5,358 |
| Tier 1 risk-based capital ratio | 16.1236% | 3,106 |
| Total risk-based capital ratio | 17.3762% | 3,066 |
| Memoranda: | ||
| Average total assets | $116,587,500 | 4,348 |
| Average earning assets | $103,196,500 | 4,421 |
| Average equity | $9,396,000 | 4,962 |
| Average total loans | $63,112,500 | 4,491 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 1,558 |
| Cost of funding earning assets | 0.3629% | 5,020 |
| Net interest margin | 4.3430% | 1,014 |
| Noninterest income to average assets | 0.5097% | 3,692 |
| Noninterest expense to average assets | 3.5584% | 1,530 |
| Loan and lease loss provision to assets | 0.1630% | 2,238 |
| Net operating income to assets | 0.4783% | 4,822 |
| Return on assets (ROA) | 0.4647% | 5,025 |
| Pretax return on assets | 0.6875% | 4,588 |
| Return on Equity (ROE) | 6.6221% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.4792% | 3,751 |
| Net charge-offs to loans | 0.4286% | 1,559 |
| Credit loss provision to net charge-offs | 78.3688% | 3,087 |
| Earnings coverage of net charge-offs (x) | 4.1844% | 3,647 |
| Efficiency ratio | 80.3464% | 2,097 |
| Assets per employee ($millions) | 1.6645% | 6,701 |
| Cash dividends to net income (ytd only)* | 47.4603% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,091 |
| Loan loss allowance to noncurrent loans | 110.0784% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.3370% | 2,748 |
| Noncurrent loans to loans | 1.3822% | 2,827 |
| Net loans and leases to total assets | 53.8387% | 4,599 |
| Net loans and leases to deposits | 58.9290% | 5,041 |
| Net loans and leases to core deposits | 68.5866% | 4,440 |
| Total domestic deposits to total assets | 91.3621% | 451 |
| Equity capital to assets | 7.7375% | 6,167 |
| Core capital (leverage) ratio | 7.8120% | 6,237 |
| Tier 1 risk-based capital ratio | 15.5268% | 3,360 |
| Total risk-based capital ratio | 16.7800% | 3,311 |
| Memoranda: | ||
| Average total assets | $135,566,200 | 3,967 |
| Average earning assets | $122,334,200 | 4,006 |
| Average equity | $9,513,600 | 4,971 |
| Average total loans | $65,800,000 | 4,416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 2,021 |
| Cost of funding earning assets | 0.3692% | 5,104 |
| Net interest margin | 4.1854% | 1,381 |
| Noninterest income to average assets | 0.5117% | 3,723 |
| Noninterest expense to average assets | 3.4354% | 1,749 |
| Loan and lease loss provision to assets | 0.1496% | 2,396 |
| Net operating income to assets | 0.4898% | 4,839 |
| Return on assets (ROA) | 0.4898% | 4,997 |
| Pretax return on assets | 0.7185% | 4,621 |
| Return on Equity (ROE) | 7.1343% | 3,570 |
| Retained earnings to average equity (ytd only) | 2.9842% | 4,540 |
| Net charge-offs to loans | 0.4236% | 1,509 |
| Credit loss provision to net charge-offs | 74.7619% | 2,970 |
| Earnings coverage of net charge-offs (x) | 4.3382% | 3,464 |
| Efficiency ratio | 79.8273% | 2,126 |
| Assets per employee ($millions) | 2.0289% | 6,696 |
| Cash dividends to net income (ytd only)* | 58.1714% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 3,442 |
| Loan loss allowance to noncurrent loans | 86.5620% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 3,538 |
| Noncurrent loans to loans | 1.7355% | 2,590 |
| Net loans and leases to total assets | 46.4612% | 5,500 |
| Net loans and leases to deposits | 50.1384% | 5,827 |
| Net loans and leases to core deposits | 61.6039% | 5,160 |
| Total domestic deposits to total assets | 92.6660% | 152 |
| Equity capital to assets | 6.6182% | 6,626 |
| Core capital (leverage) ratio | 7.0925% | 6,570 |
| Tier 1 risk-based capital ratio | 14.2865% | 4,227 |
| Total risk-based capital ratio | 15.5381% | 4,168 |
| Memoranda: | ||
| Average total assets | $139,913,500 | 3,915 |
| Average earning assets | $126,754,250 | 3,944 |
| Average equity | $9,606,000 | 5,002 |
| Average total loans | $66,098,000 | 4,446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 2,177 |
| Cost of funding earning assets | 0.3825% | 5,111 |
| Net interest margin | 4.1237% | 1,482 |
| Noninterest income to average assets | 0.5004% | 3,827 |
| Noninterest expense to average assets | 3.4528% | 1,711 |
| Loan and lease loss provision to assets | 0.0801% | 3,457 |
| Net operating income to assets | 0.4818% | 4,874 |
| Return on assets (ROA) | 0.4818% | 5,054 |
| Pretax return on assets | 0.6977% | 4,687 |
| Return on Equity (ROE) | 6.9344% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.7819% | 5,589 |
| Net charge-offs to loans | 0.3116% | 1,936 |
| Credit loss provision to net charge-offs | 54.3689% | 3,138 |
| Earnings coverage of net charge-offs (x) | 5.2816% | 2,924 |
| Efficiency ratio | 81.6154% | 1,941 |
| Assets per employee ($millions) | 2.0918% | 6,720 |
| Cash dividends to net income (ytd only)* | 88.7240% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 3,513 |
| Loan loss allowance to noncurrent loans | 105.0580% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 4,113 |
| Noncurrent loans to loans | 1.4433% | 3,139 |
| Net loans and leases to total assets | 44.8639% | 5,653 |
| Net loans and leases to deposits | 48.3152% | 5,966 |
| Net loans and leases to core deposits | 60.9096% | 5,181 |
| Total domestic deposits to total assets | 92.8567% | 137 |
| Equity capital to assets | 6.4414% | 6,699 |
| Core capital (leverage) ratio | 7.0672% | 6,595 |
| Tier 1 risk-based capital ratio | 13.9481% | 4,453 |
| Total risk-based capital ratio | 15.2002% | 4,416 |
| Memoranda: | ||
| Average total assets | $139,887,330 | 3,949 |
| Average earning assets | $126,536,330 | 3,976 |
| Average equity | $9,719,670 | 5,006 |
| Average total loans | $66,119,330 | 4,462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,655 |
| Cost of funding earning assets | 0.3974% | 5,128 |
| Net interest margin | 4.2613% | 1,046 |
| Noninterest income to average assets | 0.4823% | 3,905 |
| Noninterest expense to average assets | 3.5332% | 1,553 |
| Loan and lease loss provision to assets | 0.0523% | 3,749 |
| Net operating income to assets | 0.5143% | 4,592 |
| Return on assets (ROA) | 0.5143% | 4,735 |
| Pretax return on assets | 0.7293% | 4,446 |
| Return on Equity (ROE) | 7.1292% | 3,422 |
| Retained earnings to average equity (ytd only) | -4.9139% | 6,359 |
| Net charge-offs to loans | 0.2594% | 1,919 |
| Credit loss provision to net charge-offs | 41.8605% | 2,722 |
| Earnings coverage of net charge-offs (x) | 6.2558% | 2,249 |
| Efficiency ratio | 81.8855% | 2,049 |
| Assets per employee ($millions) | 1.9839% | 6,842 |
| Cash dividends to net income (ytd only)* | 168.9266% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,660 |
| Loan loss allowance to noncurrent loans | 126.5839% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 4,502 |
| Noncurrent loans to loans | 1.2160% | 3,740 |
| Net loans and leases to total assets | 47.6163% | 5,267 |
| Net loans and leases to deposits | 51.7540% | 5,645 |
| Net loans and leases to core deposits | 66.4871% | 4,472 |
| Total domestic deposits to total assets | 92.0050% | 245 |
| Equity capital to assets | 7.1943% | 6,676 |
| Core capital (leverage) ratio | 6.9376% | 6,660 |
| Tier 1 risk-based capital ratio | 14.0758% | 4,455 |
| Total risk-based capital ratio | 15.3283% | 4,407 |
| Memoranda: | ||
| Average total assets | $137,665,000 | 4,025 |
| Average earning assets | $123,812,000 | 4,072 |
| Average equity | $9,931,000 | 4,999 |
| Average total loans | $66,304,000 | 4,484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 3,874 |
| Cost of funding earning assets | 0.5393% | 4,911 |
| Net interest margin | 3.8466% | 3,035 |
| Noninterest income to average assets | 0.4533% | 4,228 |
| Noninterest expense to average assets | 3.2387% | 2,493 |
| Loan and lease loss provision to assets | 0.0780% | 4,733 |
| Net operating income to assets | 0.4435% | 4,909 |
| Return on assets (ROA) | 0.4459% | 5,149 |
| Pretax return on assets | 0.6268% | 4,906 |
| Return on Equity (ROE) | 6.8171% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.7427% | 3,580 |
| Net charge-offs to loans | 0.1853% | 3,901 |
| Credit loss provision to net charge-offs | 95.0820% | 3,269 |
| Earnings coverage of net charge-offs (x) | 8.5492% | 2,392 |
| Efficiency ratio | 82.1983% | 1,837 |
| Assets per employee ($millions) | 1.9499% | 6,915 |
| Cash dividends to net income (ytd only)* | 45.0980% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,432 |
| Loan loss allowance to noncurrent loans | 166.5072% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 4,980 |
| Noncurrent loans to loans | 0.9441% | 4,304 |
| Net loans and leases to total assets | 47.2140% | 5,486 |
| Net loans and leases to deposits | 51.2610% | 5,868 |
| Net loans and leases to core deposits | 65.8516% | 4,752 |
| Total domestic deposits to total assets | 92.1051% | 229 |
| Equity capital to assets | 7.2332% | 6,713 |
| Core capital (leverage) ratio | 6.4124% | 6,811 |
| Tier 1 risk-based capital ratio | 14.3419% | 4,133 |
| Total risk-based capital ratio | 15.5950% | 4,091 |
| Memoranda: | ||
| Average total assets | $148,699,400 | 3,801 |
| Average earning assets | $134,793,800 | 3,812 |
| Average equity | $9,725,600 | 5,044 |
| Average total loans | $65,822,000 | 4,510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 4,451 |
| Cost of funding earning assets | 0.5680% | 4,934 |
| Net interest margin | 3.7332% | 3,644 |
| Noninterest income to average assets | 0.4425% | 4,347 |
| Noninterest expense to average assets | 3.1221% | 2,820 |
| Loan and lease loss provision to assets | 0.0732% | 4,752 |
| Net operating income to assets | 0.4228% | 5,148 |
| Return on assets (ROA) | 0.4257% | 5,378 |
| Pretax return on assets | 0.6408% | 5,049 |
| Return on Equity (ROE) | 6.6709% | 3,978 |
| Retained earnings to average equity (ytd only) | 2.5414% | 5,044 |
| Net charge-offs to loans | 0.1847% | 3,638 |
| Credit loss provision to net charge-offs | 91.2088% | 3,260 |
| Earnings coverage of net charge-offs (x) | 8.8462% | 2,389 |
| Efficiency ratio | 81.4815% | 1,870 |
| Assets per employee ($millions) | 2.1071% | 6,961 |
| Cash dividends to net income (ytd only)* | 61.9056% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,553 |
| Loan loss allowance to noncurrent loans | 320.6154% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 5,691 |
| Noncurrent loans to loans | 0.4962% | 5,452 |
| Net loans and leases to total assets | 44.9889% | 5,873 |
| Net loans and leases to deposits | 48.6763% | 6,218 |
| Net loans and leases to core deposits | 60.0475% | 5,552 |
| Total domestic deposits to total assets | 92.4247% | 158 |
| Equity capital to assets | 6.8906% | 6,897 |
| Core capital (leverage) ratio | 6.5821% | 6,869 |
| Tier 1 risk-based capital ratio | 13.9268% | 4,584 |
| Total risk-based capital ratio | 15.1794% | 4,540 |
| Memoranda: | ||
| Average total assets | $151,263,250 | 3,795 |
| Average earning assets | $137,322,000 | 3,806 |
| Average equity | $9,653,500 | 5,110 |
| Average total loans | $65,675,250 | 4,566 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 4,850 |
| Cost of funding earning assets | 0.5848% | 5,026 |
| Net interest margin | 3.6447% | 4,061 |
| Noninterest income to average assets | 0.4275% | 4,453 |
| Noninterest expense to average assets | 3.0171% | 3,197 |
| Loan and lease loss provision to assets | 0.0832% | 4,556 |
| Net operating income to assets | 0.4168% | 5,160 |
| Return on assets (ROA) | 0.4210% | 5,375 |
| Pretax return on assets | 0.6458% | 4,981 |
| Return on Equity (ROE) | 6.7639% | 3,909 |
| Retained earnings to average equity (ytd only) | 0.5219% | 5,861 |
| Net charge-offs to loans | 0.2434% | 3,113 |
| Credit loss provision to net charge-offs | 80.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | 6.9500% | 2,556 |
| Efficiency ratio | 80.6810% | 2,075 |
| Assets per employee ($millions) | 2.0975% | 7,018 |
| Cash dividends to net income (ytd only)* | 92.2840% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,719 |
| Loan loss allowance to noncurrent loans | 445.6897% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 5,953 |
| Noncurrent loans to loans | 0.3512% | 5,845 |
| Net loans and leases to total assets | 43.6594% | 6,048 |
| Net loans and leases to deposits | 47.0511% | 6,372 |
| Net loans and leases to core deposits | 60.3712% | 5,558 |
| Total domestic deposits to total assets | 92.7915% | 140 |
| Equity capital to assets | 6.4920% | 6,980 |
| Core capital (leverage) ratio | 6.3300% | 6,953 |
| Tier 1 risk-based capital ratio | 13.4808% | 4,840 |
| Total risk-based capital ratio | 14.7332% | 4,797 |
| Memoranda: | ||
| Average total assets | $153,923,670 | 3,772 |
| Average earning assets | $139,873,670 | 3,788 |
| Average equity | $9,580,330 | 5,137 |
| Average total loans | $65,732,670 | 4,575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 5,374 |
| Cost of funding earning assets | 0.6123% | 5,036 |
| Net interest margin | 3.5110% | 4,638 |
| Noninterest income to average assets | 0.3861% | 4,779 |
| Noninterest expense to average assets | 2.9535% | 3,433 |
| Loan and lease loss provision to assets | 0.0665% | 4,582 |
| Net operating income to assets | 0.3750% | 5,368 |
| Return on assets (ROA) | 0.3836% | 5,509 |
| Pretax return on assets | 0.5754% | 5,203 |
| Return on Equity (ROE) | 6.2916% | 4,145 |
| Retained earnings to average equity (ytd only) | -6.2497% | 6,676 |
| Net charge-offs to loans | 0.2806% | 2,543 |
| Credit loss provision to net charge-offs | 56.5217% | 3,175 |
| Earnings coverage of net charge-offs (x) | 5.3478% | 2,393 |
| Efficiency ratio | 82.4411% | 1,880 |
| Assets per employee ($millions) | 2.1473% | 7,072 |
| Cash dividends to net income (ytd only)* | 199.3333% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 3,753 |
| Loan loss allowance to noncurrent loans | 286.9081% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 5,539 |
| Noncurrent loans to loans | 0.5556% | 5,552 |
| Net loans and leases to total assets | 41.7041% | 6,220 |
| Net loans and leases to deposits | 44.7461% | 6,515 |
| Net loans and leases to core deposits | 59.9039% | 5,537 |
| Total domestic deposits to total assets | 93.2015% | 130 |
| Equity capital to assets | 6.1938% | 7,054 |
| Core capital (leverage) ratio | 6.0675% | 7,031 |
| Tier 1 risk-based capital ratio | 13.2972% | 4,987 |
| Total risk-based capital ratio | 14.5499% | 4,969 |
| Memoranda: | ||
| Average total assets | $156,425,000 | 3,755 |
| Average earning assets | $142,411,500 | 3,778 |
| Average equity | $9,536,500 | 5,164 |
| Average total loans | $65,573,000 | 4,600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 3,762 |
| Cost of funding earning assets | 0.7411% | 5,272 |
| Net interest margin | 4.0695% | 2,570 |
| Noninterest income to average assets | 0.5373% | 3,604 |
| Noninterest expense to average assets | 3.1702% | 2,965 |
| Loan and lease loss provision to assets | 0.1642% | 4,579 |
| Net operating income to assets | 0.5988% | 4,003 |
| Return on assets (ROA) | 0.6028% | 4,175 |
| Pretax return on assets | 0.8743% | 3,695 |
| Return on Equity (ROE) | 9.2059% | 2,364 |
| Retained earnings to average equity (ytd only) | 5.9173% | 2,064 |
| Net charge-offs to loans | 0.2523% | 4,198 |
| Credit loss provision to net charge-offs | 134.1176% | 2,251 |
| Earnings coverage of net charge-offs (x) | 8.4353% | 2,148 |
| Efficiency ratio | 75.4284% | 2,989 |
| Assets per employee ($millions) | 2.5061% | 6,824 |
| Cash dividends to net income (ytd only)* | 35.7228% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,662 |
| Loan loss allowance to noncurrent loans | 153.4307% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 5,230 |
| Noncurrent loans to loans | 1.0295% | 4,648 |
| Net loans and leases to total assets | 40.8274% | 6,482 |
| Net loans and leases to deposits | 43.6760% | 6,734 |
| Net loans and leases to core deposits | 57.0991% | 6,071 |
| Total domestic deposits to total assets | 93.4778% | 114 |
| Equity capital to assets | 6.0041% | 7,094 |
| Core capital (leverage) ratio | 6.5023% | 6,981 |
| Tier 1 risk-based capital ratio | 13.1720% | 4,936 |
| Total risk-based capital ratio | 14.4241% | 4,915 |
| Memoranda: | ||
| Average total assets | $138,854,600 | 3,994 |
| Average earning assets | $125,077,200 | 4,033 |
| Average equity | $9,092,000 | 5,256 |
| Average total loans | $67,374,400 | 4,584 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 2,998 |
| Cost of funding earning assets | 0.7726% | 5,317 |
| Net interest margin | 4.2466% | 1,924 |
| Noninterest income to average assets | 0.5564% | 3,466 |
| Noninterest expense to average assets | 3.2985% | 2,498 |
| Loan and lease loss provision to assets | 0.1379% | 4,712 |
| Net operating income to assets | 0.6095% | 4,044 |
| Return on assets (ROA) | 0.6134% | 4,211 |
| Pretax return on assets | 0.9420% | 3,610 |
| Return on Equity (ROE) | 9.1393% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.6887% | 3,388 |
| Net charge-offs to loans | 0.2288% | 4,007 |
| Credit loss provision to net charge-offs | 118.9655% | 2,741 |
| Earnings coverage of net charge-offs (x) | 9.2674% | 2,074 |
| Efficiency ratio | 75.4398% | 2,931 |
| Assets per employee ($millions) | 2.1314% | 7,187 |
| Cash dividends to net income (ytd only)* | 48.6972% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 4,031 |
| Loan loss allowance to noncurrent loans | 400.7905% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 6,120 |
| Noncurrent loans to loans | 0.3777% | 6,096 |
| Net loans and leases to total assets | 47.6159% | 6,001 |
| Net loans and leases to deposits | 51.4892% | 6,404 |
| Net loans and leases to core deposits | 66.7561% | 5,335 |
| Total domestic deposits to total assets | 92.4775% | 165 |
| Equity capital to assets | 6.7841% | 7,093 |
| Core capital (leverage) ratio | 6.9281% | 6,981 |
| Tier 1 risk-based capital ratio | 13.6721% | 4,601 |
| Total risk-based capital ratio | 14.9248% | 4,568 |
| Memoranda: | ||
| Average total assets | $133,470,750 | 4,124 |
| Average earning assets | $119,936,750 | 4,153 |
| Average equity | $8,957,500 | 5,319 |
| Average total loans | $67,584,500 | 4,609 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 2,807 |
| Cost of funding earning assets | 0.7943% | 5,410 |
| Net interest margin | 4.2792% | 1,737 |
| Noninterest income to average assets | 0.5540% | 3,446 |
| Noninterest expense to average assets | 3.3101% | 2,519 |
| Loan and lease loss provision to assets | 0.1487% | 4,451 |
| Net operating income to assets | 0.6112% | 4,005 |
| Return on assets (ROA) | 0.6162% | 4,110 |
| Pretax return on assets | 0.9455% | 3,449 |
| Return on Equity (ROE) | 9.2165% | 2,429 |
| Retained earnings to average equity (ytd only) | 2.4290% | 4,744 |
| Net charge-offs to loans | 0.2803% | 3,482 |
| Credit loss provision to net charge-offs | 103.1579% | 2,998 |
| Earnings coverage of net charge-offs (x) | 7.5368% | 2,204 |
| Efficiency ratio | 75.2848% | 3,142 |
| Assets per employee ($millions) | 2.0079% | 7,296 |
| Cash dividends to net income (ytd only)* | 73.6453% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,218 |
| Loan loss allowance to noncurrent loans | 309.0062% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 6,033 |
| Noncurrent loans to loans | 0.4791% | 5,949 |
| Net loans and leases to total assets | 49.2147% | 5,921 |
| Net loans and leases to deposits | 53.2219% | 6,368 |
| Net loans and leases to core deposits | 63.8420% | 5,735 |
| Total domestic deposits to total assets | 92.4708% | 163 |
| Equity capital to assets | 6.7770% | 7,144 |
| Core capital (leverage) ratio | 6.8701% | 7,041 |
| Tier 1 risk-based capital ratio | 13.6377% | 4,427 |
| Total risk-based capital ratio | 14.8903% | 4,404 |
| Memoranda: | ||
| Average total assets | $131,779,670 | 4,188 |
| Average earning assets | $118,340,670 | 4,223 |
| Average equity | $8,810,330 | 5,376 |
| Average total loans | $67,785,000 | 4,649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 3,100 |
| Cost of funding earning assets | 0.8151% | 5,500 |
| Net interest margin | 4.1878% | 1,933 |
| Noninterest income to average assets | 0.5337% | 3,620 |
| Noninterest expense to average assets | 3.3404% | 2,442 |
| Loan and lease loss provision to assets | 0.1227% | 4,468 |
| Net operating income to assets | 0.5567% | 4,253 |
| Return on assets (ROA) | 0.5767% | 4,227 |
| Pretax return on assets | 0.8834% | 3,566 |
| Return on Equity (ROE) | 8.6866% | 2,617 |
| Retained earnings to average equity (ytd only) | -5.1288% | 6,528 |
| Net charge-offs to loans | 0.2292% | 3,165 |
| Credit loss provision to net charge-offs | 102.5641% | 2,587 |
| Earnings coverage of net charge-offs (x) | 8.1538% | 1,852 |
| Efficiency ratio | 77.3987% | 2,929 |
| Assets per employee ($millions) | 1.9466% | 7,377 |
| Cash dividends to net income (ytd only)* | 159.0426% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 4,351 |
| Loan loss allowance to noncurrent loans | 206.8750% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 5,878 |
| Noncurrent loans to loans | 0.7098% | 5,595 |
| Net loans and leases to total assets | 51.0892% | 5,704 |
| Net loans and leases to deposits | 55.1285% | 6,204 |
| Net loans and leases to core deposits | 66.7769% | 5,433 |
| Total domestic deposits to total assets | 92.6728% | 164 |
| Equity capital to assets | 6.6041% | 7,184 |
| Core capital (leverage) ratio | 6.8100% | 7,076 |
| Tier 1 risk-based capital ratio | 13.2689% | 4,605 |
| Total risk-based capital ratio | 14.5222% | 4,576 |
| Memoranda: | ||
| Average total assets | $130,405,000 | 4,248 |
| Average earning assets | $117,772,000 | 4,260 |
| Average equity | $8,657,000 | 5,419 |
| Average total loans | $68,076,000 | 4,684 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 1,253 |
| Cost of funding earning assets | 0.9361% | 6,001 |
| Net interest margin | 4.8743% | 569 |
| Noninterest income to average assets | 0.6409% | 3,205 |
| Noninterest expense to average assets | 3.6986% | 1,699 |
| Loan and lease loss provision to assets | 0.2840% | 4,533 |
| Net operating income to assets | 0.6732% | 3,330 |
| Return on assets (ROA) | 0.7666% | 3,054 |
| Pretax return on assets | 1.1060% | 2,555 |
| Return on Equity (ROE) | 10.1064% | 1,884 |
| Retained earnings to average equity (ytd only) | 6.6410% | 1,486 |
| Net charge-offs to loans | 0.1221% | 5,669 |
| Credit loss provision to net charge-offs | 398.7654% | 617 |
| Earnings coverage of net charge-offs (x) | 17.6173% | 1,139 |
| Efficiency ratio | 74.6716% | 3,262 |
| Assets per employee ($millions) | 1.9461% | 7,438 |
| Cash dividends to net income (ytd only)* | 34.2890% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 4,295 |
| Loan loss allowance to noncurrent loans | 316.9329% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 6,140 |
| Noncurrent loans to loans | 0.4567% | 6,133 |
| Net loans and leases to total assets | 51.7958% | 5,942 |
| Net loans and leases to deposits | 55.8475% | 6,457 |
| Net loans and leases to core deposits | 70.2859% | 5,420 |
| Total domestic deposits to total assets | 92.7449% | 162 |
| Equity capital to assets | 6.6730% | 7,218 |
| Core capital (leverage) ratio | 7.6388% | 6,587 |
| Tier 1 risk-based capital ratio | 13.2897% | 4,382 |
| Total risk-based capital ratio | 14.5428% | 4,334 |
| Memoranda: | ||
| Average total assets | $113,745,600 | 4,622 |
| Average earning assets | $100,629,200 | 4,708 |
| Average equity | $8,628,200 | 5,521 |
| Average total loans | $66,350,200 | 4,812 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9594% | 1,014 |
| Cost of funding earning assets | 0.9736% | 6,068 |
| Net interest margin | 4.9858% | 454 |
| Noninterest income to average assets | 0.6801% | 2,946 |
| Noninterest expense to average assets | 3.7912% | 1,384 |
| Loan and lease loss provision to assets | 0.1679% | 5,365 |
| Net operating income to assets | 0.6951% | 3,439 |
| Return on assets (ROA) | 0.7045% | 3,549 |
| Pretax return on assets | 1.1157% | 2,776 |
| Return on Equity (ROE) | 8.9661% | 2,502 |
| Retained earnings to average equity (ytd only) | 4.3359% | 3,445 |
| Net charge-offs to loans | 0.0466% | 6,060 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 45.3417% | 610 |
| Efficiency ratio | 74.9219% | 3,162 |
| Assets per employee ($millions) | 1.7229% | 7,615 |
| Cash dividends to net income (ytd only)* | 51.6412% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,120 |
| Loan loss allowance to noncurrent loans | 107.8554% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 5,351 |
| Noncurrent loans to loans | 1.1764% | 4,894 |
| Net loans and leases to total assets | 58.3128% | 5,208 |
| Net loans and leases to deposits | 63.6902% | 5,950 |
| Net loans and leases to core deposits | 77.5937% | 4,853 |
| Total domestic deposits to total assets | 91.5569% | 293 |
| Equity capital to assets | 7.6955% | 7,000 |
| Core capital (leverage) ratio | 7.9716% | 6,388 |
| Tier 1 risk-based capital ratio | 13.5182% | 4,193 |
| Total risk-based capital ratio | 14.7688% | 4,143 |
| Memoranda: | ||
| Average total assets | $109,584,250 | 4,780 |
| Average earning assets | $96,270,500 | 4,883 |
| Average equity | $8,610,000 | 5,601 |
| Average total loans | $65,805,500 | 4,916 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 979 |
| Cost of funding earning assets | 1.0149% | 6,072 |
| Net interest margin | 4.9706% | 449 |
| Noninterest income to average assets | 0.6299% | 3,130 |
| Noninterest expense to average assets | 3.8054% | 1,351 |
| Loan and lease loss provision to assets | 0.1264% | 5,621 |
| Net operating income to assets | 0.6596% | 3,586 |
| Return on assets (ROA) | 0.6596% | 3,740 |
| Pretax return on assets | 1.0480% | 2,944 |
| Return on Equity (ROE) | 8.3343% | 2,746 |
| Retained earnings to average equity (ytd only) | 1.3147% | 5,225 |
| Net charge-offs to loans | 0.0523% | 5,655 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 37.1765% | 775 |
| Efficiency ratio | 76.4179% | 2,997 |
| Assets per employee ($millions) | 1.6366% | 7,698 |
| Cash dividends to net income (ytd only)* | 84.2254% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 5,377 |
| Loan loss allowance to noncurrent loans | 156.4453% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,935 |
| Noncurrent loans to loans | 0.7764% | 5,718 |
| Net loans and leases to total assets | 60.3062% | 4,999 |
| Net loans and leases to deposits | 66.1491% | 5,786 |
| Net loans and leases to core deposits | 73.3834% | 5,512 |
| Total domestic deposits to total assets | 91.1671% | 423 |
| Equity capital to assets | 8.0173% | 6,742 |
| Core capital (leverage) ratio | 7.7894% | 6,515 |
| Tier 1 risk-based capital ratio | 13.8683% | 3,824 |
| Total risk-based capital ratio | 15.1196% | 3,783 |
| Memoranda: | ||
| Average total assets | $107,635,330 | 4,871 |
| Average earning assets | $94,193,330 | 4,985 |
| Average equity | $8,519,000 | 5,628 |
| Average total loans | $65,015,330 | 4,978 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8180% | 1,410 |
| Cost of funding earning assets | 1.0376% | 6,182 |
| Net interest margin | 4.7804% | 673 |
| Noninterest income to average assets | 0.2829% | 5,878 |
| Noninterest expense to average assets | 3.7452% | 1,422 |
| Loan and lease loss provision to assets | 0.0670% | 5,963 |
| Net operating income to assets | 0.4840% | 4,478 |
| Return on assets (ROA) | 0.4840% | 4,609 |
| Pretax return on assets | 0.7073% | 4,206 |
| Return on Equity (ROE) | 6.1549% | 3,797 |
| Retained earnings to average equity (ytd only) | -8.0014% | 6,830 |
| Net charge-offs to loans | 0.1239% | 4,228 |
| Credit loss provision to net charge-offs | 90.0000% | 3,659 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,746 |
| Efficiency ratio | 82.8666% | 2,154 |
| Assets per employee ($millions) | 1.7125% | 7,780 |
| Cash dividends to net income (ytd only)* | 230.0000% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,735 |
| Loan loss allowance to noncurrent loans | 284.4106% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 6,455 |
| Noncurrent loans to loans | 0.4067% | 6,478 |
| Net loans and leases to total assets | 57.4285% | 5,535 |
| Net loans and leases to deposits | 62.5903% | 6,217 |
| Net loans and leases to core deposits | 67.5658% | 6,141 |
| Total domestic deposits to total assets | 91.7531% | 304 |
| Equity capital to assets | 7.5363% | 7,044 |
| Core capital (leverage) ratio | 7.7104% | 6,614 |
| Tier 1 risk-based capital ratio | 13.5446% | 3,957 |
| Total risk-based capital ratio | 14.7788% | 3,925 |
| Memoranda: | ||
| Average total assets | $107,444,500 | 4,945 |
| Average earning assets | $95,222,000 | 5,011 |
| Average equity | $8,448,500 | 5,701 |
| Average total loans | $64,552,000 | 5,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5416% | 611 |
| Cost of funding earning assets | 1.1331% | 6,871 |
| Net interest margin | 5.4085% | 205 |
| Noninterest income to average assets | 0.3924% | 5,273 |
| Noninterest expense to average assets | 4.1131% | 1,208 |
| Loan and lease loss provision to assets | 0.2114% | 5,654 |
| Net operating income to assets | 0.5859% | 3,380 |
| Return on assets (ROA) | 0.5828% | 3,465 |
| Pretax return on assets | 0.7784% | 3,310 |
| Return on Equity (ROE) | 6.7302% | 2,899 |
| Retained earnings to average equity (ytd only) | 3.0978% | 2,992 |
| Net charge-offs to loans | 0.1983% | 5,410 |
| Credit loss provision to net charge-offs | 170.3390% | 2,505 |
| Earnings coverage of net charge-offs (x) | 8.0085% | 2,022 |
| Efficiency ratio | 80.5355% | 2,806 |
| Assets per employee ($millions) | 1.6184% | 7,876 |
| Cash dividends to net income (ytd only)* | 53.9711% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,563 |
| Loan loss allowance to noncurrent loans | 208.9136% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 5,826 |
| Noncurrent loans to loans | 0.5572% | 6,130 |
| Net loans and leases to total assets | 61.4820% | 5,111 |
| Net loans and leases to deposits | 67.4826% | 5,891 |
| Net loans and leases to core deposits | 82.0555% | 5,902 |
| Total domestic deposits to total assets | 91.1079% | 496 |
| Equity capital to assets | 8.2143% | 6,329 |
| Core capital (leverage) ratio | 8.5130% | 5,262 |
| Tier 1 risk-based capital ratio | 14.1638% | 3,398 |
| Total risk-based capital ratio | 15.4148% | 3,356 |
| Memoranda: | ||
| Average total assets | $95,061,200 | 5,241 |
| Average earning assets | $82,870,000 | 5,368 |
| Average equity | $8,231,600 | 5,856 |
| Average total loans | $59,494,000 | 5,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6032% | 611 |
| Cost of funding earning assets | 1.1553% | 7,025 |
| Net interest margin | 5.4479% | 193 |
| Noninterest income to average assets | 0.4032% | 5,254 |
| Noninterest expense to average assets | 4.1047% | 1,139 |
| Loan and lease loss provision to assets | 0.1449% | 5,909 |
| Net operating income to assets | 0.5945% | 3,620 |
| Return on assets (ROA) | 0.5925% | 3,690 |
| Pretax return on assets | 0.8866% | 3,268 |
| Return on Equity (ROE) | 6.7461% | 3,185 |
| Retained earnings to average equity (ytd only) | 1.8622% | 4,276 |
| Net charge-offs to loans | 0.2243% | 4,645 |
| Credit loss provision to net charge-offs | 103.0612% | 4,941 |
| Earnings coverage of net charge-offs (x) | 7.3573% | 2,421 |
| Efficiency ratio | 79.8716% | 2,865 |
| Assets per employee ($millions) | 1.5409% | 7,978 |
| Cash dividends to net income (ytd only)* | 72.3981% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,830 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 5,833 |
| Noncurrent loans to loans | 0.4327% | 6,471 |
| Net loans and leases to total assets | 66.2762% | 4,363 |
| Net loans and leases to deposits | 73.5076% | 5,444 |
| Net loans and leases to core deposits | 86.0660% | 5,862 |
| Total domestic deposits to total assets | 90.1624% | 706 |
| Equity capital to assets | 9.0924% | 5,354 |
| Core capital (leverage) ratio | 8.7824% | 5,002 |
| Tier 1 risk-based capital ratio | 14.9840% | 3,048 |
| Total risk-based capital ratio | 16.2028% | 2,999 |
| Memoranda: | ||
| Average total assets | $92,932,750 | 5,338 |
| Average earning assets | $80,787,000 | 5,467 |
| Average equity | $8,162,500 | 5,925 |
| Average total loans | $58,260,000 | 5,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4775% | 863 |
| Cost of funding earning assets | 1.1613% | 7,215 |
| Net interest margin | 5.3162% | 238 |
| Noninterest income to average assets | 0.3824% | 5,441 |
| Noninterest expense to average assets | 4.0518% | 1,244 |
| Loan and lease loss provision to assets | 0.0795% | 6,394 |
| Net operating income to assets | 0.5787% | 3,773 |
| Return on assets (ROA) | 0.5715% | 3,913 |
| Pretax return on assets | 0.8529% | 3,497 |
| Return on Equity (ROE) | 6.5831% | 3,396 |
| Retained earnings to average equity (ytd only) | -0.8167% | 5,434 |
| Net charge-offs to loans | 0.1508% | 4,682 |
| Credit loss provision to net charge-offs | 86.0465% | 5,030 |
| Earnings coverage of net charge-offs (x) | 10.2093% | 2,020 |
| Efficiency ratio | 81.1183% | 2,866 |
| Assets per employee ($millions) | 1.4271% | 8,087 |
| Cash dividends to net income (ytd only)* | 112.4060% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,435 |
| Loan loss allowance to noncurrent loans | 152.3041% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 5,187 |
| Noncurrent loans to loans | 0.7378% | 5,768 |
| Net loans and leases to total assets | 64.6914% | 4,839 |
| Net loans and leases to deposits | 71.7994% | 5,763 |
| Net loans and leases to core deposits | 83.3152% | 6,136 |
| Total domestic deposits to total assets | 90.1001% | 786 |
| Equity capital to assets | 9.0713% | 5,215 |
| Core capital (leverage) ratio | 8.8864% | 4,805 |
| Tier 1 risk-based capital ratio | 15.3779% | 2,865 |
| Total risk-based capital ratio | 16.6286% | 2,791 |
| Memoranda: | ||
| Average total assets | $93,093,330 | 5,368 |
| Average earning assets | $80,772,330 | 5,505 |
| Average equity | $8,081,330 | 5,992 |
| Average total loans | $57,032,330 | 5,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3257% | 1,229 |
| Cost of funding earning assets | 1.1647% | 7,380 |
| Net interest margin | 5.1609% | 299 |
| Noninterest income to average assets | 0.3295% | 5,809 |
| Noninterest expense to average assets | 3.8781% | 1,341 |
| Loan and lease loss provision to assets | 0.0760% | 6,005 |
| Net operating income to assets | 0.5745% | 4,124 |
| Return on assets (ROA) | 0.5745% | 4,320 |
| Pretax return on assets | 0.8491% | 3,896 |
| Return on Equity (ROE) | 6.7628% | 3,690 |
| Retained earnings to average equity (ytd only) | -8.1054% | 6,925 |
| Net charge-offs to loans | 0.0356% | 5,012 |
| Credit loss provision to net charge-offs | 360.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 795 |
| Efficiency ratio | 80.7388% | 2,700 |
| Assets per employee ($millions) | 1.4831% | 8,116 |
| Cash dividends to net income (ytd only)* | 219.8529% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 4,687 |
| Loan loss allowance to noncurrent loans | 286.9198% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 6,305 |
| Noncurrent loans to loans | 0.4240% | 6,361 |
| Net loans and leases to total assets | 59.0946% | 5,797 |
| Net loans and leases to deposits | 65.0813% | 6,452 |
| Net loans and leases to core deposits | 77.8444% | 6,548 |
| Total domestic deposits to total assets | 90.8011% | 478 |
| Equity capital to assets | 8.5428% | 6,004 |
| Core capital (leverage) ratio | 8.5494% | 5,432 |
| Tier 1 risk-based capital ratio | 15.5475% | 2,833 |
| Total risk-based capital ratio | 16.7975% | 2,770 |
| Memoranda: | ||
| Average total assets | $94,685,000 | 5,347 |
| Average earning assets | $82,078,500 | 5,483 |
| Average equity | $8,044,000 | 6,047 |
| Average total loans | $56,136,000 | 5,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2098% | 722 |
| Cost of funding earning assets | 1.7330% | 7,176 |
| Net interest margin | 5.4768% | 214 |
| Noninterest income to average assets | 0.3712% | 5,732 |
| Noninterest expense to average assets | 4.2446% | 1,101 |
| Loan and lease loss provision to assets | 0.2236% | 4,653 |
| Net operating income to assets | 0.5180% | 4,654 |
| Return on assets (ROA) | -0.1635% | 6,420 |
| Pretax return on assets | -0.4405% | 6,592 |
| Return on Equity (ROE) | -1.7776% | 6,477 |
| Retained earnings to average equity (ytd only) | -5.4687% | 6,579 |
| Net charge-offs to loans | 0.1873% | 4,327 |
| Credit loss provision to net charge-offs | 198.9899% | 2,455 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 3,083 |
| Efficiency ratio | 83.3482% | 2,133 |
| Assets per employee ($millions) | 1.5228% | 8,157 |
| Cash dividends to net income (ytd only)* | -207.6389% | 8,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,679 |
| Loan loss allowance to noncurrent loans | 186.3128% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 5,503 |
| Noncurrent loans to loans | 0.6350% | 5,464 |
| Net loans and leases to total assets | 58.0706% | 6,188 |
| Net loans and leases to deposits | 63.8188% | 6,815 |
| Net loans and leases to core deposits | 75.0940% | 6,909 |
| Total domestic deposits to total assets | 90.9929% | 332 |
| Equity capital to assets | 8.4495% | 6,174 |
| Core capital (leverage) ratio | 8.9676% | 4,785 |
| Tier 1 risk-based capital ratio | 15.5194% | 2,841 |
| Total risk-based capital ratio | 16.7689% | 2,774 |
| Memoranda: | ||
| Average total assets | $88,089,200 | 5,416 |
| Average earning assets | $75,938,400 | 5,587 |
| Average equity | $8,100,600 | 6,045 |
| Average total loans | $52,858,200 | 5,589 |