Home > Minnesota First Credit and Savings, Incorporated > Performance and Condition Ratios
Minnesota First Credit and Savings, Incorporated, 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 | 7.4921% | 164 |
| Cost of funding earning assets | 2.5495% | 335 |
| Net interest margin | 4.9426% | 341 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 4.5739% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1661% | 4,198 |
| Return on assets (ROA) | 0.1661% | 4,220 |
| Pretax return on assets | 0.2674% | 4,123 |
| Return on Equity (ROE) | 0.9700% | 4,266 |
| Retained earnings to average equity (ytd only) | -2.7938% | 4,318 |
| Net charge-offs to loans | 0.0222% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 2,118 |
| Efficiency ratio | 94.4770% | 290 |
| Assets per employee ($millions) | 3.0926% | 4,368 |
| Cash dividends to net income (ytd only)* | 387.8049% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 598 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 89.6100% | 40 |
| Net loans and leases to deposits | 120.5743% | 82 |
| Net loans and leases to core deposits | 124.2783% | 528 |
| Total domestic deposits to total assets | 74.3200% | 4,084 |
| Equity capital to assets | 16.7010% | 405 |
| Core capital (leverage) ratio | 16.6579% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0117% | 425 |
| Memoranda: | ||
| Average total assets | $24,683,800 | 4,501 |
| Average earning assets | $23,024,400 | 4,466 |
| Average equity | $4,223,600 | 4,334 |
| Average total loans | $22,555,200 | 4,260 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3778% | 160 |
| Cost of funding earning assets | 2.2683% | 437 |
| Net interest margin | 5.1095% | 278 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 4.6588% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2378% | 4,194 |
| Return on assets (ROA) | 0.2378% | 4,203 |
| Pretax return on assets | 0.3405% | 4,121 |
| Return on Equity (ROE) | 1.3800% | 4,273 |
| Retained earnings to average equity (ytd only) | -0.5652% | 4,219 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.1892% | 286 |
| Assets per employee ($millions) | 3.0499% | 4,390 |
| Cash dividends to net income (ytd only)* | 140.9091% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 578 |
| Loan loss allowance to noncurrent loans | 469.4118% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 1,637 |
| Noncurrent loans to loans | 0.3811% | 1,872 |
| Net loans and leases to total assets | 89.7800% | 37 |
| Net loans and leases to deposits | 114.3208% | 129 |
| Net loans and leases to core deposits | 118.3159% | 595 |
| Total domestic deposits to total assets | 78.5300% | 3,761 |
| Equity capital to assets | 17.3450% | 374 |
| Core capital (leverage) ratio | 17.3173% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7050% | 398 |
| Memoranda: | ||
| Average total assets | $24,669,500 | 4,528 |
| Average earning assets | $23,041,500 | 4,494 |
| Average equity | $4,246,500 | 4,343 |
| Average total loans | $22,553,000 | 4,278 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1867% | 158 |
| Cost of funding earning assets | 2.0150% | 479 |
| Net interest margin | 5.1717% | 251 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 4.6447% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3150% | 4,132 |
| Return on assets (ROA) | 0.3150% | 4,157 |
| Pretax return on assets | 0.4200% | 4,087 |
| Return on Equity (ROE) | 1.8300% | 4,291 |
| Retained earnings to average equity (ytd only) | -0.2352% | 4,132 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.7065% | 305 |
| Assets per employee ($millions) | 3.0868% | 4,424 |
| Cash dividends to net income (ytd only)* | 112.8205% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 644 |
| Loan loss allowance to noncurrent loans | 395.0495% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,302 |
| Noncurrent loans to loans | 0.4508% | 1,588 |
| Net loans and leases to total assets | 89.1100% | 51 |
| Net loans and leases to deposits | 113.0897% | 161 |
| Net loans and leases to core deposits | 116.9794% | 598 |
| Total domestic deposits to total assets | 78.8000% | 3,749 |
| Equity capital to assets | 17.1904% | 377 |
| Core capital (leverage) ratio | 17.4591% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4777% | 411 |
| Memoranda: | ||
| Average total assets | $24,759,667 | 4,554 |
| Average earning assets | $23,126,000 | 4,518 |
| Average equity | $4,251,333 | 4,366 |
| Average total loans | $22,636,000 | 4,292 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0602% | 113 |
| Cost of funding earning assets | 1.7347% | 514 |
| Net interest margin | 5.3255% | 191 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 4.6950% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3549% | 4,162 |
| Return on assets (ROA) | 0.3549% | 4,117 |
| Pretax return on assets | 0.4840% | 4,015 |
| Return on Equity (ROE) | 2.0700% | 4,298 |
| Retained earnings to average equity (ytd only) | 0.8462% | 3,890 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.6542% | 336 |
| Assets per employee ($millions) | 3.0483% | 4,494 |
| Cash dividends to net income (ytd only)* | 59.0909% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 707 |
| Loan loss allowance to noncurrent loans | 1,330.0000% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,649 |
| Noncurrent loans to loans | 0.1323% | 2,850 |
| Net loans and leases to total assets | 91.3400% | 20 |
| Net loans and leases to deposits | 113.2794% | 135 |
| Net loans and leases to core deposits | 117.1338% | 509 |
| Total domestic deposits to total assets | 80.6300% | 3,688 |
| Equity capital to assets | 17.4649% | 327 |
| Core capital (leverage) ratio | 17.3018% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7245% | 402 |
| Memoranda: | ||
| Average total assets | $24,792,500 | 4,610 |
| Average earning assets | $23,059,000 | 4,582 |
| Average equity | $4,254,500 | 4,427 |
| Average total loans | $22,752,000 | 4,355 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7125% | 57 |
| Cost of funding earning assets | 0.9987% | 161 |
| Net interest margin | 5.7138% | 67 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 4.9489% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5754% | 3,932 |
| Return on assets (ROA) | 0.5754% | 3,899 |
| Pretax return on assets | 0.6719% | 3,908 |
| Return on Equity (ROE) | 3.3800% | 4,250 |
| Retained earnings to average equity (ytd only) | 0.0944% | 4,326 |
| Net charge-offs to loans | -0.0089% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.0458% | 357 |
| Assets per employee ($millions) | 3.1499% | 4,503 |
| Cash dividends to net income (ytd only)* | 97.2028% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 736 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 89.0200% | 49 |
| Net loans and leases to deposits | 109.4560% | 166 |
| Net loans and leases to core deposits | 113.0240% | 515 |
| Total domestic deposits to total assets | 81.3300% | 3,719 |
| Equity capital to assets | 16.8657% | 342 |
| Core capital (leverage) ratio | 17.2372% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5225% | 390 |
| Memoranda: | ||
| Average total assets | $24,853,800 | 4,647 |
| Average earning assets | $23,329,600 | 4,615 |
| Average equity | $4,236,600 | 4,505 |
| Average total loans | $22,505,400 | 4,369 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5714% | 51 |
| Cost of funding earning assets | 0.9363% | 86 |
| Net interest margin | 5.6350% | 66 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 4.8503% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6298% | 3,749 |
| Return on assets (ROA) | 0.6298% | 3,703 |
| Pretax return on assets | 0.7160% | 3,767 |
| Return on Equity (ROE) | 3.6900% | 4,202 |
| Retained earnings to average equity (ytd only) | -0.6929% | 4,404 |
| Net charge-offs to loans | -0.0119% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.1373% | 415 |
| Assets per employee ($millions) | 3.0740% | 4,561 |
| Cash dividends to net income (ytd only)* | 118.8034% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 806 |
| Loan loss allowance to noncurrent loans | 262.5000% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 859 |
| Noncurrent loans to loans | 0.6659% | 1,224 |
| Net loans and leases to total assets | 91.2000% | 16 |
| Net loans and leases to deposits | 114.1091% | 82 |
| Net loans and leases to core deposits | 118.9320% | 283 |
| Total domestic deposits to total assets | 79.9200% | 4,107 |
| Equity capital to assets | 17.1763% | 311 |
| Core capital (leverage) ratio | 17.0501% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3111% | 417 |
| Memoranda: | ||
| Average total assets | $24,767,500 | 4,680 |
| Average earning assets | $23,353,250 | 4,648 |
| Average equity | $4,233,250 | 4,550 |
| Average total loans | $22,423,750 | 4,404 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5035% | 47 |
| Cost of funding earning assets | 0.9266% | 51 |
| Net interest margin | 5.5768% | 66 |
| Noninterest income to average assets | 0.1853% | 4,079 |
| Noninterest expense to average assets | 4.7450% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5800% | 3,679 |
| Return on assets (ROA) | 0.5800% | 3,625 |
| Pretax return on assets | 0.6767% | 3,637 |
| Return on Equity (ROE) | 3.3992% | 4,153 |
| Retained earnings to average equity (ytd only) | -2.5966% | 4,425 |
| Net charge-offs to loans | -0.0628% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5186% | 510 |
| Assets per employee ($millions) | 2.7537% | 4,646 |
| Cash dividends to net income (ytd only)* | 176.3889% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 819 |
| Loan loss allowance to noncurrent loans | 257.3248% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 873 |
| Noncurrent loans to loans | 0.6995% | 1,232 |
| Net loans and leases to total assets | 88.9360% | 31 |
| Net loans and leases to deposits | 111.9742% | 82 |
| Net loans and leases to core deposits | 116.6993% | 234 |
| Total domestic deposits to total assets | 79.4254% | 4,272 |
| Equity capital to assets | 16.9108% | 288 |
| Core capital (leverage) ratio | 16.7613% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5895% | 396 |
| Memoranda: | ||
| Average total assets | $24,826,000 | 4,716 |
| Average earning assets | $23,310,667 | 4,698 |
| Average equity | $4,236,333 | 4,597 |
| Average total loans | $22,289,667 | 4,459 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4712% | 47 |
| Cost of funding earning assets | 0.9466% | 46 |
| Net interest margin | 5.5246% | 70 |
| Noninterest income to average assets | 0.1771% | 4,112 |
| Noninterest expense to average assets | 4.7490% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5473% | 3,566 |
| Return on assets (ROA) | 0.5473% | 3,540 |
| Pretax return on assets | 0.5956% | 3,647 |
| Return on Equity (ROE) | 3.1932% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.4419% | 3,422 |
| Net charge-offs to loans | -0.1080% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8554% | 603 |
| Assets per employee ($millions) | 2.7867% | 4,675 |
| Cash dividends to net income (ytd only)* | 23.5294% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 842 |
| Loan loss allowance to noncurrent loans | 8,060.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,848 |
| Noncurrent loans to loans | 0.0226% | 3,829 |
| Net loans and leases to total assets | 86.4394% | 51 |
| Net loans and leases to deposits | 108.7157% | 77 |
| Net loans and leases to core deposits | 112.9409% | 209 |
| Total domestic deposits to total assets | 79.5096% | 4,312 |
| Equity capital to assets | 17.0335% | 268 |
| Core capital (leverage) ratio | 17.1621% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1089% | 380 |
| Memoranda: | ||
| Average total assets | $24,847,500 | 4,740 |
| Average earning assets | $23,241,500 | 4,720 |
| Average equity | $4,259,000 | 4,636 |
| Average total loans | $22,212,000 | 4,479 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8097% | 45 |
| Cost of funding earning assets | 1.1954% | 31 |
| Net interest margin | 5.6143% | 76 |
| Noninterest income to average assets | 0.3096% | 3,550 |
| Noninterest expense to average assets | 5.0969% | 174 |
| Loan and lease loss provision to assets | 0.0516% | 2,021 |
| Net operating income to assets | 0.3414% | 4,369 |
| Return on assets (ROA) | 0.3414% | 4,388 |
| Pretax return on assets | 0.3811% | 4,416 |
| Return on Equity (ROE) | 2.0358% | 4,493 |
| Retained earnings to average equity (ytd only) | 0.9232% | 4,275 |
| Net charge-offs to loans | 0.0542% | 1,252 |
| Credit loss provision to net charge-offs | 108.3333% | 1,720 |
| Earnings coverage of net charge-offs (x) | 9.0833% | 2,274 |
| Efficiency ratio | 92.1752% | 267 |
| Assets per employee ($millions) | 2.7350% | 4,724 |
| Cash dividends to net income (ytd only)* | 54.6512% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 908 |
| Loan loss allowance to noncurrent loans | 6,616.6667% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,879 |
| Noncurrent loans to loans | 0.0269% | 3,879 |
| Net loans and leases to total assets | 89.1530% | 21 |
| Net loans and leases to deposits | 112.4635% | 69 |
| Net loans and leases to core deposits | 116.9340% | 189 |
| Total domestic deposits to total assets | 79.2728% | 4,287 |
| Equity capital to assets | 17.2496% | 289 |
| Core capital (leverage) ratio | 17.2377% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9123% | 406 |
| Memoranda: | ||
| Average total assets | $25,191,800 | 4,776 |
| Average earning assets | $23,422,400 | 4,759 |
| Average equity | $4,224,400 | 4,688 |
| Average total loans | $22,123,200 | 4,531 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7252% | 50 |
| Cost of funding earning assets | 1.2454% | 31 |
| Net interest margin | 5.4798% | 89 |
| Noninterest income to average assets | 0.2315% | 4,015 |
| Noninterest expense to average assets | 4.8888% | 182 |
| Loan and lease loss provision to assets | 0.0671% | 1,660 |
| Net operating income to assets | 0.3684% | 4,422 |
| Return on assets (ROA) | 0.3684% | 4,450 |
| Pretax return on assets | 0.3684% | 4,529 |
| Return on Equity (ROE) | 2.2122% | 4,567 |
| Retained earnings to average equity (ytd only) | 0.7269% | 4,464 |
| Net charge-offs to loans | 0.0604% | 1,035 |
| Credit loss provision to net charge-offs | 130.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,107 |
| Efficiency ratio | 91.7984% | 277 |
| Assets per employee ($millions) | 2.5161% | 4,816 |
| Cash dividends to net income (ytd only)* | 67.1429% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 921 |
| Loan loss allowance to noncurrent loans | 814.2857% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 2,824 |
| Noncurrent loans to loans | 0.2214% | 3,065 |
| Net loans and leases to total assets | 86.3916% | 62 |
| Net loans and leases to deposits | 108.6904% | 106 |
| Net loans and leases to core deposits | 114.6829% | 246 |
| Total domestic deposits to total assets | 79.4841% | 4,300 |
| Equity capital to assets | 16.8117% | 349 |
| Core capital (leverage) ratio | 16.7253% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7997% | 439 |
| Memoranda: | ||
| Average total assets | $25,336,000 | 4,847 |
| Average earning assets | $23,552,500 | 4,829 |
| Average equity | $4,219,000 | 4,756 |
| Average total loans | $22,068,500 | 4,596 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6290% | 58 |
| Cost of funding earning assets | 1.2784% | 32 |
| Net interest margin | 5.3506% | 116 |
| Noninterest income to average assets | 0.2441% | 3,936 |
| Noninterest expense to average assets | 4.8436% | 187 |
| Loan and lease loss provision to assets | 0.0236% | 2,494 |
| Net operating income to assets | 0.3544% | 4,459 |
| Return on assets (ROA) | 0.3544% | 4,491 |
| Pretax return on assets | 0.3544% | 4,542 |
| Return on Equity (ROE) | 2.1351% | 4,581 |
| Retained earnings to average equity (ytd only) | 0.4270% | 4,446 |
| Net charge-offs to loans | 0.0272% | 1,404 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,619 |
| Efficiency ratio | 92.7602% | 276 |
| Assets per employee ($millions) | 2.5332% | 4,846 |
| Cash dividends to net income (ytd only)* | 80.0000% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 854 |
| Loan loss allowance to noncurrent loans | 535.1351% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 2,464 |
| Noncurrent loans to loans | 0.3409% | 2,688 |
| Net loans and leases to total assets | 84.1347% | 133 |
| Net loans and leases to deposits | 105.4890% | 166 |
| Net loans and leases to core deposits | 111.2428% | 330 |
| Total domestic deposits to total assets | 79.7568% | 4,261 |
| Equity capital to assets | 16.6430% | 359 |
| Core capital (leverage) ratio | 16.6233% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8032% | 438 |
| Memoranda: | ||
| Average total assets | $25,394,333 | 4,882 |
| Average earning assets | $23,623,333 | 4,864 |
| Average equity | $4,215,333 | 4,788 |
| Average total loans | $22,046,000 | 4,628 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6878% | 57 |
| Cost of funding earning assets | 1.3714% | 26 |
| Net interest margin | 5.3164% | 132 |
| Noninterest income to average assets | 0.2674% | 3,796 |
| Noninterest expense to average assets | 4.6882% | 190 |
| Loan and lease loss provision to assets | 0.0472% | 2,134 |
| Net operating income to assets | 0.4720% | 4,232 |
| Return on assets (ROA) | 0.4720% | 4,267 |
| Pretax return on assets | 0.4720% | 4,391 |
| Return on Equity (ROE) | 2.8470% | 4,500 |
| Retained earnings to average equity (ytd only) | 1.5184% | 4,118 |
| Net charge-offs to loans | 0.1080% | 648 |
| Credit loss provision to net charge-offs | 50.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 1,678 |
| Efficiency ratio | 90.0302% | 368 |
| Assets per employee ($millions) | 2.5397% | 4,879 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 903 |
| Loan loss allowance to noncurrent loans | 2,183.3333% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,866 |
| Noncurrent loans to loans | 0.0817% | 3,889 |
| Net loans and leases to total assets | 85.2463% | 110 |
| Net loans and leases to deposits | 106.7502% | 161 |
| Net loans and leases to core deposits | 113.4339% | 339 |
| Total domestic deposits to total assets | 79.8559% | 4,224 |
| Equity capital to assets | 16.6279% | 343 |
| Core capital (leverage) ratio | 16.5907% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7924% | 420 |
| Memoranda: | ||
| Average total assets | $25,425,500 | 4,908 |
| Average earning assets | $23,625,000 | 4,887 |
| Average equity | $4,215,000 | 4,811 |
| Average total loans | $22,214,500 | 4,652 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0788% | 42 |
| Cost of funding earning assets | 1.7471% | 27 |
| Net interest margin | 5.3317% | 80 |
| Noninterest income to average assets | 0.1736% | 4,415 |
| Noninterest expense to average assets | 4.7271% | 219 |
| Loan and lease loss provision to assets | 0.1003% | 3,078 |
| Net operating income to assets | 0.3512% | 4,343 |
| Return on assets (ROA) | 0.3512% | 4,416 |
| Pretax return on assets | 0.3512% | 4,484 |
| Return on Equity (ROE) | 2.1769% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.4832% | 4,042 |
| Net charge-offs to loans | 0.1147% | 1,332 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,973 |
| Efficiency ratio | 91.2817% | 333 |
| Assets per employee ($millions) | 2.5454% | 4,887 |
| Cash dividends to net income (ytd only)* | 31.8681% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 912 |
| Loan loss allowance to noncurrent loans | 1,277.4194% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 3,675 |
| Noncurrent loans to loans | 0.1385% | 3,727 |
| Net loans and leases to total assets | 86.3911% | 85 |
| Net loans and leases to deposits | 108.1015% | 190 |
| Net loans and leases to core deposits | 114.8483% | 389 |
| Total domestic deposits to total assets | 79.9167% | 4,055 |
| Equity capital to assets | 16.5279% | 383 |
| Core capital (leverage) ratio | 16.5493% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5380% | 409 |
| Memoranda: | ||
| Average total assets | $25,914,400 | 4,902 |
| Average earning assets | $24,326,200 | 4,885 |
| Average equity | $4,180,200 | 4,829 |
| Average total loans | $22,661,600 | 4,665 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0903% | 46 |
| Cost of funding earning assets | 1.8161% | 28 |
| Net interest margin | 5.2743% | 99 |
| Noninterest income to average assets | 0.1946% | 4,308 |
| Noninterest expense to average assets | 4.6100% | 234 |
| Loan and lease loss provision to assets | 0.1114% | 2,931 |
| Net operating income to assets | 0.4405% | 4,186 |
| Return on assets (ROA) | 0.4405% | 4,252 |
| Pretax return on assets | 0.4405% | 4,385 |
| Return on Equity (ROE) | 2.7474% | 4,436 |
| Retained earnings to average equity (ytd only) | 1.8210% | 3,996 |
| Net charge-offs to loans | 0.0704% | 1,613 |
| Credit loss provision to net charge-offs | 183.3333% | 2,169 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,455 |
| Efficiency ratio | 89.2857% | 379 |
| Assets per employee ($millions) | 2.5497% | 4,919 |
| Cash dividends to net income (ytd only)* | 33.7209% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 747 |
| Loan loss allowance to noncurrent loans | 990.2439% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 3,616 |
| Noncurrent loans to loans | 0.1805% | 3,661 |
| Net loans and leases to total assets | 87.5083% | 88 |
| Net loans and leases to deposits | 110.3462% | 220 |
| Net loans and leases to core deposits | 117.2773% | 473 |
| Total domestic deposits to total assets | 79.3034% | 3,997 |
| Equity capital to assets | 16.4804% | 416 |
| Core capital (leverage) ratio | 16.3432% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8241% | 464 |
| Memoranda: | ||
| Average total assets | $26,029,500 | 4,933 |
| Average earning assets | $24,521,000 | 4,917 |
| Average equity | $4,173,500 | 4,853 |
| Average total loans | $22,730,500 | 4,692 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1519% | 57 |
| Cost of funding earning assets | 1.8834% | 31 |
| Net interest margin | 5.2686% | 125 |
| Noninterest income to average assets | 0.1526% | 4,532 |
| Noninterest expense to average assets | 4.6781% | 232 |
| Loan and lease loss provision to assets | 0.0611% | 3,535 |
| Net operating income to assets | 0.3663% | 4,300 |
| Return on assets (ROA) | 0.3663% | 4,357 |
| Pretax return on assets | 0.3663% | 4,449 |
| Return on Equity (ROE) | 2.3055% | 4,470 |
| Retained earnings to average equity (ytd only) | 1.5370% | 3,922 |
| Net charge-offs to loans | 0.0440% | 1,867 |
| Credit loss provision to net charge-offs | 160.0000% | 2,078 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 2,104 |
| Efficiency ratio | 91.6293% | 351 |
| Assets per employee ($millions) | 2.5694% | 4,949 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 655 |
| Loan loss allowance to noncurrent loans | 700.0000% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 3,444 |
| Noncurrent loans to loans | 0.2567% | 3,465 |
| Net loans and leases to total assets | 84.8681% | 194 |
| Net loans and leases to deposits | 106.6465% | 306 |
| Net loans and leases to core deposits | 113.2662% | 626 |
| Total domestic deposits to total assets | 79.5789% | 3,922 |
| Equity capital to assets | 16.2567% | 438 |
| Core capital (leverage) ratio | 16.0002% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1019% | 443 |
| Memoranda: | ||
| Average total assets | $26,207,000 | 4,962 |
| Average earning assets | $24,636,667 | 4,944 |
| Average equity | $4,164,000 | 4,882 |
| Average total loans | $22,734,667 | 4,715 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3477% | 53 |
| Cost of funding earning assets | 1.9540% | 42 |
| Net interest margin | 5.3937% | 103 |
| Noninterest income to average assets | 0.1663% | 4,534 |
| Noninterest expense to average assets | 4.7310% | 259 |
| Loan and lease loss provision to assets | 0.0756% | 2,783 |
| Net operating income to assets | 0.4081% | 4,117 |
| Return on assets (ROA) | 0.4081% | 4,155 |
| Pretax return on assets | 0.4081% | 4,278 |
| Return on Equity (ROE) | 2.5977% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.4053% | 3,305 |
| Net charge-offs to loans | 0.0348% | 1,717 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,543 |
| Efficiency ratio | 90.7246% | 472 |
| Assets per employee ($millions) | 2.6433% | 4,921 |
| Cash dividends to net income (ytd only)* | 7.4074% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 774 |
| Loan loss allowance to noncurrent loans | 886.6667% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 3,811 |
| Noncurrent loans to loans | 0.1980% | 3,771 |
| Net loans and leases to total assets | 84.4626% | 237 |
| Net loans and leases to deposits | 106.3244% | 284 |
| Net loans and leases to core deposits | 113.3127% | 694 |
| Total domestic deposits to total assets | 79.4386% | 3,971 |
| Equity capital to assets | 15.7757% | 618 |
| Core capital (leverage) ratio | 15.7489% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7833% | 508 |
| Memoranda: | ||
| Average total assets | $26,463,500 | 5,004 |
| Average earning assets | $24,769,500 | 4,990 |
| Average equity | $4,157,500 | 4,926 |
| Average total loans | $22,999,500 | 4,746 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3443% | 60 |
| Cost of funding earning assets | 1.8940% | 94 |
| Net interest margin | 5.4503% | 124 |
| Noninterest income to average assets | 0.2250% | 4,319 |
| Noninterest expense to average assets | 4.8945% | 234 |
| Loan and lease loss provision to assets | 0.0375% | 3,263 |
| Net operating income to assets | 0.3225% | 4,722 |
| Return on assets (ROA) | 0.3225% | 4,749 |
| Pretax return on assets | 0.3225% | 4,800 |
| Return on Equity (ROE) | 2.0833% | 4,786 |
| Retained earnings to average equity (ytd only) | 0.8479% | 4,436 |
| Net charge-offs to loans | 0.0598% | 2,247 |
| Credit loss provision to net charge-offs | 71.4286% | 2,895 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,928 |
| Efficiency ratio | 93.1478% | 264 |
| Assets per employee ($millions) | 2.6494% | 4,958 |
| Cash dividends to net income (ytd only)* | 59.3023% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 795 |
| Loan loss allowance to noncurrent loans | 1,414.2857% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,098 |
| Noncurrent loans to loans | 0.1203% | 4,048 |
| Net loans and leases to total assets | 86.3516% | 149 |
| Net loans and leases to deposits | 108.5912% | 214 |
| Net loans and leases to core deposits | 115.7032% | 613 |
| Total domestic deposits to total assets | 79.5199% | 4,070 |
| Equity capital to assets | 15.6451% | 663 |
| Core capital (leverage) ratio | 15.6215% | 571 |
| Tier 1 risk-based capital ratio | 22.1563% | 1,005 |
| Total risk-based capital ratio | 23.4178% | 979 |
| Memoranda: | ||
| Average total assets | $26,662,800 | 5,059 |
| Average earning assets | $24,604,200 | 5,046 |
| Average equity | $4,128,000 | 4,979 |
| Average total loans | $23,401,600 | 4,794 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2215% | 65 |
| Cost of funding earning assets | 1.8570% | 116 |
| Net interest margin | 5.3645% | 149 |
| Noninterest income to average assets | 0.2446% | 4,270 |
| Noninterest expense to average assets | 4.8579% | 229 |
| Loan and lease loss provision to assets | 0.0250% | 3,396 |
| Net operating income to assets | 0.2946% | 4,848 |
| Return on assets (ROA) | 0.2946% | 4,867 |
| Pretax return on assets | 0.2946% | 4,911 |
| Return on Equity (ROE) | 1.9075% | 4,905 |
| Retained earnings to average equity (ytd only) | 0.2910% | 4,709 |
| Net charge-offs to loans | -0.0512% | 4,842 |
| Credit loss provision to net charge-offs | -55.5556% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8284% | 235 |
| Assets per employee ($millions) | 2.4235% | 5,095 |
| Cash dividends to net income (ytd only)* | 84.7572% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 708 |
| Loan loss allowance to noncurrent loans | 445.1613% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 3,108 |
| Noncurrent loans to loans | 0.4002% | 3,110 |
| Net loans and leases to total assets | 85.6071% | 215 |
| Net loans and leases to deposits | 107.4128% | 278 |
| Net loans and leases to core deposits | 114.9549% | 704 |
| Total domestic deposits to total assets | 79.6992% | 4,049 |
| Equity capital to assets | 15.4507% | 738 |
| Core capital (leverage) ratio | 15.3953% | 660 |
| Tier 1 risk-based capital ratio | 21.8886% | 1,084 |
| Total risk-based capital ratio | 23.1480% | 1,058 |
| Memoranda: | ||
| Average total assets | $26,705,000 | 5,135 |
| Average earning assets | $24,555,750 | 5,122 |
| Average equity | $4,123,750 | 5,051 |
| Average total loans | $23,433,500 | 4,862 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2403% | 62 |
| Cost of funding earning assets | 1.7938% | 132 |
| Net interest margin | 5.4465% | 140 |
| Noninterest income to average assets | 0.2320% | 4,361 |
| Noninterest expense to average assets | 4.7904% | 247 |
| Loan and lease loss provision to assets | 0.0374% | 3,066 |
| Net operating income to assets | 0.4042% | 4,730 |
| Return on assets (ROA) | 0.4042% | 4,750 |
| Pretax return on assets | 0.4042% | 4,822 |
| Return on Equity (ROE) | 2.6180% | 4,857 |
| Retained earnings to average equity (ytd only) | 0.8242% | 4,483 |
| Net charge-offs to loans | -0.1872% | 5,124 |
| Credit loss provision to net charge-offs | -22.7273% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5594% | 291 |
| Assets per employee ($millions) | 2.4357% | 5,142 |
| Cash dividends to net income (ytd only)* | 68.5185% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 630 |
| Loan loss allowance to noncurrent loans | 837.2549% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 3,616 |
| Noncurrent loans to loans | 0.2202% | 3,754 |
| Net loans and leases to total assets | 84.8580% | 300 |
| Net loans and leases to deposits | 106.7017% | 313 |
| Net loans and leases to core deposits | 114.1709% | 774 |
| Total domestic deposits to total assets | 79.5282% | 4,129 |
| Equity capital to assets | 15.4033% | 728 |
| Core capital (leverage) ratio | 15.4413% | 631 |
| Tier 1 risk-based capital ratio | 22.0165% | 1,050 |
| Total risk-based capital ratio | 23.2809% | 1,026 |
| Memoranda: | ||
| Average total assets | $26,720,330 | 5,180 |
| Average earning assets | $24,529,330 | 5,168 |
| Average equity | $4,125,330 | 5,085 |
| Average total loans | $23,499,330 | 4,903 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2940% | 59 |
| Cost of funding earning assets | 1.7095% | 155 |
| Net interest margin | 5.5845% | 103 |
| Noninterest income to average assets | 0.3148% | 3,757 |
| Noninterest expense to average assets | 4.8568% | 227 |
| Loan and lease loss provision to assets | 0.0750% | 2,180 |
| Net operating income to assets | 0.5247% | 4,449 |
| Return on assets (ROA) | 0.5247% | 4,469 |
| Pretax return on assets | 0.5247% | 4,632 |
| Return on Equity (ROE) | 3.3944% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.8125% | 3,814 |
| Net charge-offs to loans | -0.3380% | 5,230 |
| Credit loss provision to net charge-offs | -25.0000% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0110% | 433 |
| Assets per employee ($millions) | 2.4409% | 5,196 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 697 |
| Loan loss allowance to noncurrent loans | 1,634.6154% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 2,507 |
| Noncurrent loans to loans | 0.1108% | 4,237 |
| Net loans and leases to total assets | 85.8287% | 204 |
| Net loans and leases to deposits | 107.8230% | 274 |
| Net loans and leases to core deposits | 115.9205% | 653 |
| Total domestic deposits to total assets | 79.6015% | 4,238 |
| Equity capital to assets | 15.4153% | 663 |
| Core capital (leverage) ratio | 15.5257% | 592 |
| Tier 1 risk-based capital ratio | 21.5136% | 1,108 |
| Total risk-based capital ratio | 22.7767% | 1,086 |
| Memoranda: | ||
| Average total assets | $26,684,000 | 5,236 |
| Average earning assets | $24,568,000 | 5,218 |
| Average equity | $4,124,500 | 5,135 |
| Average total loans | $23,667,500 | 4,954 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1362% | 63 |
| Cost of funding earning assets | 1.3542% | 167 |
| Net interest margin | 5.7820% | 83 |
| Noninterest income to average assets | 0.2353% | 4,506 |
| Noninterest expense to average assets | 5.0515% | 200 |
| Loan and lease loss provision to assets | 0.1544% | 1,363 |
| Net operating income to assets | 0.4412% | 4,784 |
| Return on assets (ROA) | 0.4412% | 4,780 |
| Pretax return on assets | 0.4449% | 4,878 |
| Return on Equity (ROE) | 2.9327% | 4,910 |
| Retained earnings to average equity (ytd only) | 0.6843% | 4,813 |
| Net charge-offs to loans | 0.2812% | 688 |
| Credit loss provision to net charge-offs | 61.7647% | 3,082 |
| Earnings coverage of net charge-offs (x) | 2.3971% | 3,523 |
| Efficiency ratio | 89.3949% | 373 |
| Assets per employee ($millions) | 2.4107% | 5,237 |
| Cash dividends to net income (ytd only)* | 76.6667% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 873 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,394 |
| Noncurrent loans to loans | 0.1341% | 4,139 |
| Net loans and leases to total assets | 88.4871% | 96 |
| Net loans and leases to deposits | 111.4250% | 217 |
| Net loans and leases to core deposits | 119.9274% | 550 |
| Total domestic deposits to total assets | 79.4140% | 4,233 |
| Equity capital to assets | 15.4989% | 618 |
| Core capital (leverage) ratio | 15.6804% | 570 |
| Tier 1 risk-based capital ratio | 21.2260% | 1,131 |
| Total risk-based capital ratio | 22.4862% | 1,111 |
| Memoranda: | ||
| Average total assets | $27,199,600 | 5,278 |
| Average earning assets | $25,475,600 | 5,254 |
| Average equity | $4,091,800 | 5,167 |
| Average total loans | $24,179,600 | 4,965 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0673% | 62 |
| Cost of funding earning assets | 1.2944% | 165 |
| Net interest margin | 5.7729% | 80 |
| Noninterest income to average assets | 0.2484% | 4,492 |
| Noninterest expense to average assets | 4.9688% | 208 |
| Loan and lease loss provision to assets | 0.1802% | 1,007 |
| Net operating income to assets | 0.5261% | 4,704 |
| Return on assets (ROA) | 0.5261% | 4,708 |
| Pretax return on assets | 0.5310% | 4,853 |
| Return on Equity (ROE) | 3.5232% | 4,921 |
| Retained earnings to average equity (ytd only) | 0.5219% | 4,948 |
| Net charge-offs to loans | 0.2419% | 704 |
| Credit loss provision to net charge-offs | 84.0909% | 2,482 |
| Earnings coverage of net charge-offs (x) | 3.3179% | 3,171 |
| Efficiency ratio | 87.4786% | 432 |
| Assets per employee ($millions) | 2.2077% | 5,347 |
| Cash dividends to net income (ytd only)* | 85.1806% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 778 |
| Loan loss allowance to noncurrent loans | 855.1020% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 1,551 |
| Noncurrent loans to loans | 0.2062% | 3,977 |
| Net loans and leases to total assets | 88.1398% | 139 |
| Net loans and leases to deposits | 108.6350% | 331 |
| Net loans and leases to core deposits | 117.0367% | 665 |
| Total domestic deposits to total assets | 81.1339% | 3,832 |
| Equity capital to assets | 15.4688% | 622 |
| Core capital (leverage) ratio | 15.2054% | 653 |
| Tier 1 risk-based capital ratio | 21.0370% | 1,179 |
| Total risk-based capital ratio | 22.2998% | 1,157 |
| Memoranda: | ||
| Average total assets | $27,370,000 | 5,345 |
| Average earning assets | $25,751,750 | 5,317 |
| Average equity | $4,087,250 | 5,233 |
| Average total loans | $24,258,250 | 5,022 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9885% | 65 |
| Cost of funding earning assets | 1.2301% | 160 |
| Net interest margin | 5.7584% | 84 |
| Noninterest income to average assets | 0.2169% | 4,723 |
| Noninterest expense to average assets | 4.9959% | 215 |
| Loan and lease loss provision to assets | 0.1301% | 1,524 |
| Net operating income to assets | 0.4989% | 4,754 |
| Return on assets (ROA) | 0.4989% | 4,756 |
| Pretax return on assets | 0.5061% | 4,892 |
| Return on Equity (ROE) | 3.3793% | 4,951 |
| Retained earnings to average equity (ytd only) | -0.0490% | 4,965 |
| Net charge-offs to loans | 0.2375% | 668 |
| Credit loss provision to net charge-offs | 62.0690% | 2,415 |
| Earnings coverage of net charge-offs (x) | 3.0345% | 2,921 |
| Efficiency ratio | 88.7035% | 422 |
| Assets per employee ($millions) | 2.2703% | 5,399 |
| Cash dividends to net income (ytd only)* | 101.4493% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 847 |
| Loan loss allowance to noncurrent loans | 286.2069% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 1,049 |
| Noncurrent loans to loans | 0.6064% | 2,597 |
| Net loans and leases to total assets | 86.2533% | 244 |
| Net loans and leases to deposits | 105.9089% | 439 |
| Net loans and leases to core deposits | 113.8248% | 801 |
| Total domestic deposits to total assets | 81.4411% | 3,880 |
| Equity capital to assets | 14.9800% | 688 |
| Core capital (leverage) ratio | 14.8573% | 700 |
| Tier 1 risk-based capital ratio | 20.7547% | 1,212 |
| Total risk-based capital ratio | 22.0160% | 1,186 |
| Memoranda: | ||
| Average total assets | $27,662,670 | 5,403 |
| Average earning assets | $26,014,330 | 5,379 |
| Average equity | $4,083,670 | 5,288 |
| Average total loans | $24,421,330 | 5,072 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9641% | 60 |
| Cost of funding earning assets | 1.1581% | 167 |
| Net interest margin | 5.8059% | 84 |
| Noninterest income to average assets | 0.1866% | 4,907 |
| Noninterest expense to average assets | 4.9511% | 225 |
| Loan and lease loss provision to assets | 0.2009% | 831 |
| Net operating income to assets | 0.4879% | 4,723 |
| Return on assets (ROA) | 0.4879% | 4,731 |
| Pretax return on assets | 0.5023% | 4,865 |
| Return on Equity (ROE) | 3.3293% | 4,946 |
| Retained earnings to average equity (ytd only) | 0.6854% | 4,692 |
| Net charge-offs to loans | 0.3566% | 438 |
| Credit loss provision to net charge-offs | 63.6364% | 1,876 |
| Earnings coverage of net charge-offs (x) | 2.2273% | 2,481 |
| Efficiency ratio | 87.5635% | 556 |
| Assets per employee ($millions) | 2.2923% | 5,453 |
| Cash dividends to net income (ytd only)* | 79.4118% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 932 |
| Loan loss allowance to noncurrent loans | 170.6122% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 1,271 |
| Noncurrent loans to loans | 1.0004% | 1,828 |
| Net loans and leases to total assets | 87.5055% | 163 |
| Net loans and leases to deposits | 107.1394% | 338 |
| Net loans and leases to core deposits | 114.2213% | 795 |
| Total domestic deposits to total assets | 81.6744% | 4,045 |
| Equity capital to assets | 14.8648% | 703 |
| Core capital (leverage) ratio | 14.7086% | 711 |
| Tier 1 risk-based capital ratio | 20.4644% | 1,270 |
| Total risk-based capital ratio | 21.7256% | 1,249 |
| Memoranda: | ||
| Average total assets | $27,872,500 | 5,459 |
| Average earning assets | $26,249,000 | 5,439 |
| Average equity | $4,085,000 | 5,344 |
| Average total loans | $24,675,500 | 5,119 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4008% | 51 |
| Cost of funding earning assets | 1.1468% | 97 |
| Net interest margin | 6.2540% | 57 |
| Noninterest income to average assets | 0.2778% | 4,471 |
| Noninterest expense to average assets | 5.3325% | 183 |
| Loan and lease loss provision to assets | 0.0463% | 3,309 |
| Net operating income to assets | 0.7267% | 3,488 |
| Return on assets (ROA) | 0.7267% | 3,526 |
| Pretax return on assets | 0.7267% | 4,443 |
| Return on Equity (ROE) | 5.0495% | 4,139 |
| Retained earnings to average equity (ytd only) | 0.5198% | 4,827 |
| Net charge-offs to loans | 0.1144% | 1,908 |
| Credit loss provision to net charge-offs | 44.8276% | 3,388 |
| Earnings coverage of net charge-offs (x) | 7.4828% | 3,035 |
| Efficiency ratio | 87.3396% | 567 |
| Assets per employee ($millions) | 2.3531% | 5,503 |
| Cash dividends to net income (ytd only)* | 89.7059% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 922 |
| Loan loss allowance to noncurrent loans | 157.7778% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,159 |
| Noncurrent loans to loans | 1.0860% | 1,634 |
| Net loans and leases to total assets | 86.5389% | 219 |
| Net loans and leases to deposits | 105.5551% | 418 |
| Net loans and leases to core deposits | 112.3133% | 885 |
| Total domestic deposits to total assets | 81.9846% | 3,874 |
| Equity capital to assets | 14.4527% | 794 |
| Core capital (leverage) ratio | 14.4118% | 748 |
| Tier 1 risk-based capital ratio | 20.0649% | 1,308 |
| Total risk-based capital ratio | 21.3236% | 1,267 |
| Memoranda: | ||
| Average total assets | $28,073,000 | 5,517 |
| Average earning assets | $26,159,400 | 5,494 |
| Average equity | $4,040,000 | 5,414 |
| Average total loans | $25,345,600 | 5,146 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4424% | 48 |
| Cost of funding earning assets | 1.1355% | 97 |
| Net interest margin | 6.3069% | 56 |
| Noninterest income to average assets | 0.2997% | 4,383 |
| Noninterest expense to average assets | 5.3271% | 189 |
| Loan and lease loss provision to assets | 0.0618% | 2,837 |
| Net operating income to assets | 0.7753% | 3,622 |
| Return on assets (ROA) | 0.7753% | 3,671 |
| Pretax return on assets | 0.7753% | 4,419 |
| Return on Equity (ROE) | 5.3931% | 4,376 |
| Retained earnings to average equity (ytd only) | -0.6618% | 5,310 |
| Net charge-offs to loans | 0.0576% | 2,308 |
| Credit loss provision to net charge-offs | 118.1818% | 2,028 |
| Earnings coverage of net charge-offs (x) | 15.9959% | 2,197 |
| Efficiency ratio | 86.4198% | 606 |
| Assets per employee ($millions) | 3.1324% | 5,143 |
| Cash dividends to net income (ytd only)* | 112.2671% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 948 |
| Loan loss allowance to noncurrent loans | 255.1724% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 1,858 |
| Noncurrent loans to loans | 0.6847% | 2,656 |
| Net loans and leases to total assets | 88.5677% | 131 |
| Net loans and leases to deposits | 107.8994% | 345 |
| Net loans and leases to core deposits | 113.7695% | 855 |
| Total domestic deposits to total assets | 82.0836% | 3,752 |
| Equity capital to assets | 14.3339% | 901 |
| Core capital (leverage) ratio | 14.2691% | 821 |
| Tier 1 risk-based capital ratio | 19.7575% | 1,423 |
| Total risk-based capital ratio | 21.0189% | 1,379 |
| Memoranda: | ||
| Average total assets | $28,032,000 | 5,578 |
| Average earning assets | $26,066,250 | 5,558 |
| Average equity | $4,029,750 | 5,477 |
| Average total loans | $25,466,500 | 5,196 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4450% | 48 |
| Cost of funding earning assets | 1.0933% | 104 |
| Net interest margin | 6.3518% | 55 |
| Noninterest income to average assets | 0.3789% | 3,841 |
| Noninterest expense to average assets | 5.4970% | 181 |
| Loan and lease loss provision to assets | 0.0500% | 2,989 |
| Net operating income to assets | 0.7291% | 3,713 |
| Return on assets (ROA) | 0.7291% | 3,775 |
| Pretax return on assets | 0.7291% | 4,476 |
| Return on Equity (ROE) | 5.0671% | 4,452 |
| Retained earnings to average equity (ytd only) | -2.7322% | 5,405 |
| Net charge-offs to loans | 0.1020% | 1,600 |
| Credit loss provision to net charge-offs | 53.8462% | 2,520 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 2,516 |
| Efficiency ratio | 87.5854% | 568 |
| Assets per employee ($millions) | 2.5850% | 5,516 |
| Cash dividends to net income (ytd only)* | 153.9216% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 1,083 |
| Loan loss allowance to noncurrent loans | 2,564.7059% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,687 |
| Noncurrent loans to loans | 0.0658% | 4,863 |
| Net loans and leases to total assets | 89.3687% | 99 |
| Net loans and leases to deposits | 108.9288% | 287 |
| Net loans and leases to core deposits | 114.5459% | 775 |
| Total domestic deposits to total assets | 82.0433% | 3,878 |
| Equity capital to assets | 14.0883% | 931 |
| Core capital (leverage) ratio | 14.2832% | 784 |
| Tier 1 risk-based capital ratio | 19.5434% | 1,468 |
| Total risk-based capital ratio | 20.8020% | 1,422 |
| Memoranda: | ||
| Average total assets | $27,978,670 | 5,624 |
| Average earning assets | $25,977,000 | 5,603 |
| Average equity | $4,026,000 | 5,521 |
| Average total loans | $25,484,330 | 5,234 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3711% | 48 |
| Cost of funding earning assets | 1.0552% | 123 |
| Net interest margin | 6.3158% | 56 |
| Noninterest income to average assets | 0.5045% | 2,953 |
| Noninterest expense to average assets | 5.6071% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7640% | 3,408 |
| Return on assets (ROA) | 0.7640% | 3,457 |
| Pretax return on assets | 0.7640% | 4,231 |
| Return on Equity (ROE) | 5.2527% | 4,277 |
| Retained earnings to average equity (ytd only) | -4.9554% | 5,382 |
| Net charge-offs to loans | -0.0158% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0090% | 657 |
| Assets per employee ($millions) | 2.1270% | 5,719 |
| Cash dividends to net income (ytd only)* | 194.3396% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 1,075 |
| Loan loss allowance to noncurrent loans | 567.9487% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 2,881 |
| Noncurrent loans to loans | 0.3062% | 4,023 |
| Net loans and leases to total assets | 90.5139% | 44 |
| Net loans and leases to deposits | 108.6190% | 246 |
| Net loans and leases to core deposits | 113.0034% | 725 |
| Total domestic deposits to total assets | 83.3315% | 3,727 |
| Equity capital to assets | 14.5058% | 753 |
| Core capital (leverage) ratio | 14.4603% | 723 |
| Tier 1 risk-based capital ratio | 19.8074% | 1,425 |
| Total risk-based capital ratio | 21.0667% | 1,396 |
| Memoranda: | ||
| Average total assets | $27,750,500 | 5,693 |
| Average earning assets | $25,776,500 | 5,672 |
| Average equity | $4,036,000 | 5,579 |
| Average total loans | $25,302,500 | 5,290 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8046% | 43 |
| Cost of funding earning assets | 0.9819% | 188 |
| Net interest margin | 6.8228% | 43 |
| Noninterest income to average assets | 0.3433% | 4,278 |
| Noninterest expense to average assets | 5.5817% | 200 |
| Loan and lease loss provision to assets | 0.1037% | 2,311 |
| Net operating income to assets | 0.6079% | 4,176 |
| Return on assets (ROA) | 0.6079% | 4,289 |
| Pretax return on assets | 0.9690% | 3,585 |
| Return on Equity (ROE) | 4.2731% | 4,749 |
| Retained earnings to average equity (ytd only) | 1.8098% | 4,495 |
| Net charge-offs to loans | 0.1142% | 2,119 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 10.3448% | 2,653 |
| Efficiency ratio | 83.8796% | 1,018 |
| Assets per employee ($millions) | 2.1423% | 5,770 |
| Cash dividends to net income (ytd only)* | 57.6471% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 1,022 |
| Loan loss allowance to noncurrent loans | 1,921.7391% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 3,719 |
| Noncurrent loans to loans | 0.0915% | 4,872 |
| Net loans and leases to total assets | 88.6607% | 109 |
| Net loans and leases to deposits | 106.5229% | 320 |
| Net loans and leases to core deposits | 110.7960% | 845 |
| Total domestic deposits to total assets | 83.2316% | 3,687 |
| Equity capital to assets | 14.5817% | 711 |
| Core capital (leverage) ratio | 14.5859% | 677 |
| Tier 1 risk-based capital ratio | 20.6194% | 1,273 |
| Total risk-based capital ratio | 21.8837% | 1,240 |
| Memoranda: | ||
| Average total assets | $27,966,600 | 5,743 |
| Average earning assets | $25,869,200 | 5,726 |
| Average equity | $3,978,400 | 5,647 |
| Average total loans | $25,391,400 | 5,335 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7979% | 43 |
| Cost of funding earning assets | 0.9600% | 214 |
| Net interest margin | 6.8380% | 42 |
| Noninterest income to average assets | 0.3334% | 4,400 |
| Noninterest expense to average assets | 5.5054% | 206 |
| Loan and lease loss provision to assets | 0.0619% | 2,994 |
| Net operating income to assets | 0.6287% | 4,169 |
| Return on assets (ROA) | 0.6287% | 4,293 |
| Pretax return on assets | 1.1097% | 3,188 |
| Return on Equity (ROE) | 4.4470% | 4,742 |
| Retained earnings to average equity (ytd only) | 1.1453% | 5,047 |
| Net charge-offs to loans | 0.0105% | 3,561 |
| Credit loss provision to net charge-offs | 650.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 122.8427% | 565 |
| Efficiency ratio | 82.4536% | 1,137 |
| Assets per employee ($millions) | 2.1443% | 5,840 |
| Cash dividends to net income (ytd only)* | 74.2386% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 1,029 |
| Loan loss allowance to noncurrent loans | 2,664.7059% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,954 |
| Noncurrent loans to loans | 0.0672% | 5,079 |
| Net loans and leases to total assets | 89.1017% | 93 |
| Net loans and leases to deposits | 107.0603% | 339 |
| Net loans and leases to core deposits | 111.3512% | 844 |
| Total domestic deposits to total assets | 83.2257% | 3,504 |
| Equity capital to assets | 14.4318% | 894 |
| Core capital (leverage) ratio | 14.4240% | 741 |
| Tier 1 risk-based capital ratio | 20.2834% | 1,390 |
| Total risk-based capital ratio | 21.5438% | 1,359 |
| Memoranda: | ||
| Average total assets | $27,995,750 | 5,805 |
| Average earning assets | $25,972,000 | 5,785 |
| Average equity | $3,957,750 | 5,709 |
| Average total loans | $25,455,750 | 5,383 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8299% | 42 |
| Cost of funding earning assets | 0.9528% | 217 |
| Net interest margin | 6.8771% | 43 |
| Noninterest income to average assets | 0.3353% | 4,386 |
| Noninterest expense to average assets | 5.4716% | 213 |
| Loan and lease loss provision to assets | 0.0927% | 2,299 |
| Net operating income to assets | 0.4352% | 4,923 |
| Return on assets (ROA) | 0.4352% | 5,009 |
| Pretax return on assets | 1.1557% | 2,964 |
| Return on Equity (ROE) | 3.0996% | 5,220 |
| Retained earnings to average equity (ytd only) | -1.8801% | 5,524 |
| Net charge-offs to loans | 0.1019% | 1,810 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 13.4615% | 2,124 |
| Efficiency ratio | 81.4225% | 1,337 |
| Assets per employee ($millions) | 2.1548% | 5,902 |
| Cash dividends to net income (ytd only)* | 160.6557% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 1,218 |
| Loan loss allowance to noncurrent loans | 217.7340% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 2,080 |
| Noncurrent loans to loans | 0.7935% | 2,763 |
| Net loans and leases to total assets | 89.7440% | 73 |
| Net loans and leases to deposits | 107.2571% | 325 |
| Net loans and leases to core deposits | 111.5103% | 844 |
| Total domestic deposits to total assets | 83.6719% | 3,396 |
| Equity capital to assets | 14.1113% | 984 |
| Core capital (leverage) ratio | 14.1619% | 785 |
| Tier 1 risk-based capital ratio | 19.6111% | 1,536 |
| Total risk-based capital ratio | 20.8811% | 1,498 |
| Memoranda: | ||
| Average total assets | $28,035,670 | 5,879 |
| Average earning assets | $26,028,330 | 5,859 |
| Average equity | $3,936,000 | 5,776 |
| Average total loans | $25,510,670 | 5,443 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8341% | 42 |
| Cost of funding earning assets | 0.9217% | 263 |
| Net interest margin | 6.9124% | 40 |
| Noninterest income to average assets | 0.2567% | 4,898 |
| Noninterest expense to average assets | 5.4052% | 221 |
| Loan and lease loss provision to assets | 0.1854% | 1,071 |
| Net operating income to assets | -0.3565% | 5,934 |
| Return on assets (ROA) | -0.3565% | 5,940 |
| Pretax return on assets | 1.0839% | 3,155 |
| Return on Equity (ROE) | -2.5461% | 5,924 |
| Retained earnings to average equity (ytd only) | -12.5271% | 5,868 |
| Net charge-offs to loans | 0.1570% | 1,184 |
| Credit loss provision to net charge-offs | 130.0000% | 1,365 |
| Earnings coverage of net charge-offs (x) | 8.9000% | 2,025 |
| Efficiency ratio | 80.9829% | 1,485 |
| Assets per employee ($millions) | 2.1470% | 5,960 |
| Cash dividends to net income (ytd only)* | -392.0000% | 6,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 1,230 |
| Loan loss allowance to noncurrent loans | 227.0408% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 1,574 |
| Noncurrent loans to loans | 0.7739% | 2,905 |
| Net loans and leases to total assets | 89.1476% | 84 |
| Net loans and leases to deposits | 106.2289% | 334 |
| Net loans and leases to core deposits | 110.4443% | 832 |
| Total domestic deposits to total assets | 83.9203% | 3,550 |
| Equity capital to assets | 13.8512% | 1,036 |
| Core capital (leverage) ratio | 13.7497% | 882 |
| Tier 1 risk-based capital ratio | 19.2760% | 1,665 |
| Total risk-based capital ratio | 20.5375% | 1,627 |
| Memoranda: | ||
| Average total assets | $28,047,000 | 5,941 |
| Average earning assets | $26,040,000 | 5,917 |
| Average equity | $3,927,500 | 5,825 |
| Average total loans | $25,475,000 | 5,496 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8027% | 42 |
| Cost of funding earning assets | 0.9909% | 184 |
| Net interest margin | 6.8118% | 47 |
| Noninterest income to average assets | 0.8559% | 1,589 |
| Noninterest expense to average assets | 5.6494% | 201 |
| Loan and lease loss provision to assets | 0.3769% | 374 |
| Net operating income to assets | 0.6938% | 3,842 |
| Return on assets (ROA) | 0.6938% | 3,952 |
| Pretax return on assets | 1.1728% | 2,760 |
| Return on Equity (ROE) | 5.0575% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.0575% | 2,372 |
| Net charge-offs to loans | 0.4420% | 623 |
| Credit loss provision to net charge-offs | 95.5357% | 2,646 |
| Earnings coverage of net charge-offs (x) | 3.9286% | 3,638 |
| Efficiency ratio | 78.4736% | 1,893 |
| Assets per employee ($millions) | 2.1679% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 1,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 3,144 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 89.3482% | 80 |
| Net loans and leases to deposits | 106.3028% | 353 |
| Net loans and leases to core deposits | 110.9540% | 814 |
| Total domestic deposits to total assets | 84.0507% | 3,458 |
| Equity capital to assets | 14.1539% | 881 |
| Core capital (leverage) ratio | 14.2490% | 766 |
| Tier 1 risk-based capital ratio | 19.8379% | 1,506 |
| Total risk-based capital ratio | 21.1011% | 1,480 |
| Memoranda: | ||
| Average total assets | $28,392,400 | 5,984 |
| Average earning assets | $26,439,600 | 5,960 |
| Average equity | $3,895,200 | 5,869 |
| Average total loans | $25,337,600 | 5,540 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7340% | 41 |
| Cost of funding earning assets | 0.9906% | 192 |
| Net interest margin | 6.7433% | 50 |
| Noninterest income to average assets | 0.7734% | 1,914 |
| Noninterest expense to average assets | 5.4514% | 218 |
| Loan and lease loss provision to assets | 0.3187% | 441 |
| Net operating income to assets | 0.7687% | 3,591 |
| Return on assets (ROA) | 0.7687% | 3,683 |
| Pretax return on assets | 1.2890% | 2,434 |
| Return on Equity (ROE) | 5.6476% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.6476% | 2,488 |
| Net charge-offs to loans | 0.2533% | 1,038 |
| Credit loss provision to net charge-offs | 141.6667% | 1,755 |
| Earnings coverage of net charge-offs (x) | 7.1456% | 2,948 |
| Efficiency ratio | 77.2244% | 2,055 |
| Assets per employee ($millions) | 2.1485% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 1,173 |
| Loan loss allowance to noncurrent loans | 3,335.7143% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 2,991 |
| Noncurrent loans to loans | 0.0555% | 5,397 |
| Net loans and leases to total assets | 88.6363% | 106 |
| Net loans and leases to deposits | 105.6637% | 379 |
| Net loans and leases to core deposits | 108.6548% | 946 |
| Total domestic deposits to total assets | 83.8853% | 3,477 |
| Equity capital to assets | 14.1635% | 957 |
| Core capital (leverage) ratio | 14.1089% | 835 |
| Tier 1 risk-based capital ratio | 19.7523% | 1,610 |
| Total risk-based capital ratio | 21.0156% | 1,570 |
| Memoranda: | ||
| Average total assets | $28,444,750 | 6,067 |
| Average earning assets | $26,514,500 | 6,040 |
| Average equity | $3,871,750 | 5,952 |
| Average total loans | $25,266,250 | 5,606 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6169% | 45 |
| Cost of funding earning assets | 1.0176% | 165 |
| Net interest margin | 6.5993% | 53 |
| Noninterest income to average assets | 0.9226% | 1,378 |
| Noninterest expense to average assets | 5.4375% | 230 |
| Loan and lease loss provision to assets | 0.4054% | 281 |
| Net operating income to assets | 0.7408% | 3,682 |
| Return on assets (ROA) | 0.7408% | 3,789 |
| Pretax return on assets | 1.2441% | 2,574 |
| Return on Equity (ROE) | 5.5156% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,529 |
| Net charge-offs to loans | 0.2690% | 977 |
| Credit loss provision to net charge-offs | 170.5882% | 1,404 |
| Earnings coverage of net charge-offs (x) | 6.9412% | 2,722 |
| Efficiency ratio | 76.7258% | 2,242 |
| Assets per employee ($millions) | 2.1720% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8602% | 1,247 |
| Loan loss allowance to noncurrent loans | 235.5000% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 3,275 |
| Noncurrent loans to loans | 0.7899% | 3,132 |
| Net loans and leases to total assets | 88.0047% | 140 |
| Net loans and leases to deposits | 104.8879% | 414 |
| Net loans and leases to core deposits | 107.8235% | 964 |
| Total domestic deposits to total assets | 83.9035% | 3,610 |
| Equity capital to assets | 13.8086% | 1,051 |
| Core capital (leverage) ratio | 13.6620% | 940 |
| Tier 1 risk-based capital ratio | 19.4921% | 1,672 |
| Total risk-based capital ratio | 20.7569% | 1,631 |
| Memoranda: | ||
| Average total assets | $28,616,000 | 6,130 |
| Average earning assets | $26,730,000 | 6,105 |
| Average equity | $3,843,670 | 6,017 |
| Average total loans | $25,280,330 | 5,656 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5725% | 45 |
| Cost of funding earning assets | 1.0097% | 173 |
| Net interest margin | 6.5629% | 53 |
| Noninterest income to average assets | 0.1944% | 5,547 |
| Noninterest expense to average assets | 5.2211% | 257 |
| Loan and lease loss provision to assets | 0.0694% | 2,555 |
| Net operating income to assets | 0.6665% | 3,969 |
| Return on assets (ROA) | 0.6665% | 4,094 |
| Pretax return on assets | 1.0414% | 3,332 |
| Return on Equity (ROE) | 5.0314% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.0314% | 3,035 |
| Net charge-offs to loans | -0.0475% | 5,493 |
| Credit loss provision to net charge-offs | -166.6667% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4561% | 1,567 |
| Assets per employee ($millions) | 2.2316% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 1,493 |
| Loan loss allowance to noncurrent loans | 194.4444% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 3,095 |
| Noncurrent loans to loans | 0.9278% | 2,924 |
| Net loans and leases to total assets | 85.3642% | 229 |
| Net loans and leases to deposits | 101.9471% | 460 |
| Net loans and leases to core deposits | 105.6122% | 964 |
| Total domestic deposits to total assets | 83.7338% | 3,917 |
| Equity capital to assets | 13.2364% | 1,287 |
| Core capital (leverage) ratio | 13.3135% | 1,047 |
| Tier 1 risk-based capital ratio | 19.0599% | 1,848 |
| Total risk-based capital ratio | 20.3206% | 1,808 |
| Memoranda: | ||
| Average total assets | $28,806,000 | 6,192 |
| Average earning assets | $26,939,500 | 6,163 |
| Average equity | $3,816,000 | 6,078 |
| Average total loans | $25,260,500 | 5,705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9840% | 45 |
| Cost of funding earning assets | 1.0665% | 166 |
| Net interest margin | 6.9175% | 49 |
| Noninterest income to average assets | 0.2684% | 5,202 |
| Noninterest expense to average assets | 5.1825% | 278 |
| Loan and lease loss provision to assets | 0.6504% | 205 |
| Net operating income to assets | 0.6538% | 4,118 |
| Return on assets (ROA) | 0.6538% | 4,226 |
| Pretax return on assets | 0.9085% | 3,873 |
| Return on Equity (ROE) | 5.1290% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.1290% | 2,509 |
| Net charge-offs to loans | 0.6284% | 625 |
| Credit loss provision to net charge-offs | 115.2439% | 2,072 |
| Earnings coverage of net charge-offs (x) | 2.7622% | 4,072 |
| Efficiency ratio | 76.8760% | 2,378 |
| Assets per employee ($millions) | 2.2001% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 1,610 |
| Loan loss allowance to noncurrent loans | 154.6713% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 2,733 |
| Noncurrent loans to loans | 1.1422% | 2,558 |
| Net loans and leases to total assets | 86.8991% | 158 |
| Net loans and leases to deposits | 104.2796% | 425 |
| Net loans and leases to core deposits | 108.1032% | 885 |
| Total domestic deposits to total assets | 83.3328% | 3,966 |
| Equity capital to assets | 13.2583% | 1,247 |
| Core capital (leverage) ratio | 13.2213% | 1,049 |
| Tier 1 risk-based capital ratio | 19.0409% | 1,837 |
| Total risk-based capital ratio | 20.3013% | 1,795 |
| Memoranda: | ||
| Average total assets | $29,059,400 | 6,264 |
| Average earning assets | $27,191,800 | 6,235 |
| Average equity | $3,704,400 | 6,147 |
| Average total loans | $26,099,600 | 5,732 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9729% | 46 |
| Cost of funding earning assets | 1.0735% | 168 |
| Net interest margin | 6.8994% | 51 |
| Noninterest income to average assets | 0.2788% | 5,207 |
| Noninterest expense to average assets | 5.0912% | 289 |
| Loan and lease loss provision to assets | 0.7175% | 178 |
| Net operating income to assets | 0.6992% | 3,943 |
| Return on assets (ROA) | 0.6992% | 4,036 |
| Pretax return on assets | 0.9323% | 3,848 |
| Return on Equity (ROE) | 5.5394% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.5394% | 2,716 |
| Net charge-offs to loans | 0.6439% | 554 |
| Credit loss provision to net charge-offs | 123.6220% | 1,867 |
| Earnings coverage of net charge-offs (x) | 2.8425% | 3,813 |
| Efficiency ratio | 75.5254% | 2,570 |
| Assets per employee ($millions) | 2.1896% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 1,875 |
| Loan loss allowance to noncurrent loans | 175.1938% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 2,703 |
| Noncurrent loans to loans | 0.9894% | 3,099 |
| Net loans and leases to total assets | 90.0228% | 57 |
| Net loans and leases to deposits | 107.6409% | 275 |
| Net loans and leases to core deposits | 111.5926% | 678 |
| Total domestic deposits to total assets | 83.6325% | 3,906 |
| Equity capital to assets | 13.1881% | 1,338 |
| Core capital (leverage) ratio | 12.8110% | 1,260 |
| Tier 1 risk-based capital ratio | 18.2384% | 2,140 |
| Total risk-based capital ratio | 19.5015% | 2,099 |
| Memoranda: | ||
| Average total assets | $29,174,000 | 6,339 |
| Average earning assets | $27,325,250 | 6,304 |
| Average equity | $3,682,500 | 6,218 |
| Average total loans | $26,299,250 | 5,786 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9861% | 45 |
| Cost of funding earning assets | 1.0692% | 174 |
| Net interest margin | 6.9169% | 49 |
| Noninterest income to average assets | 0.3536% | 4,595 |
| Noninterest expense to average assets | 5.0866% | 298 |
| Loan and lease loss provision to assets | 0.6324% | 224 |
| Net operating income to assets | 0.7956% | 3,358 |
| Return on assets (ROA) | 0.7956% | 3,456 |
| Pretax return on assets | 1.1017% | 3,094 |
| Return on Equity (ROE) | 6.3958% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.3958% | 2,092 |
| Net charge-offs to loans | 0.4398% | 926 |
| Credit loss provision to net charge-offs | 160.3448% | 1,393 |
| Earnings coverage of net charge-offs (x) | 4.3966% | 3,115 |
| Efficiency ratio | 74.5763% | 2,878 |
| Assets per employee ($millions) | 2.2810% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 2,028 |
| Loan loss allowance to noncurrent loans | 2,405.2632% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 4,676 |
| Noncurrent loans to loans | 0.0720% | 5,807 |
| Net loans and leases to total assets | 87.4245% | 117 |
| Net loans and leases to deposits | 103.7873% | 370 |
| Net loans and leases to core deposits | 108.3010% | 755 |
| Total domestic deposits to total assets | 84.2343% | 3,841 |
| Equity capital to assets | 12.5417% | 1,616 |
| Core capital (leverage) ratio | 12.5731% | 1,356 |
| Tier 1 risk-based capital ratio | 17.7019% | 2,350 |
| Total risk-based capital ratio | 18.9633% | 2,314 |
| Memoranda: | ||
| Average total assets | $29,410,330 | 6,393 |
| Average earning assets | $27,497,670 | 6,362 |
| Average equity | $3,658,670 | 6,269 |
| Average total loans | $26,373,330 | 5,827 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0523% | 40 |
| Cost of funding earning assets | 1.0668% | 193 |
| Net interest margin | 6.9855% | 47 |
| Noninterest income to average assets | 0.3414% | 4,646 |
| Noninterest expense to average assets | 5.2716% | 272 |
| Loan and lease loss provision to assets | 0.5736% | 235 |
| Net operating income to assets | 0.7238% | 3,566 |
| Return on assets (ROA) | 0.7238% | 3,650 |
| Pretax return on assets | 1.0243% | 3,233 |
| Return on Equity (ROE) | 5.8426% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.8426% | 2,627 |
| Net charge-offs to loans | 0.4551% | 797 |
| Credit loss provision to net charge-offs | 140.0000% | 1,315 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 2,604 |
| Efficiency ratio | 76.7396% | 2,681 |
| Assets per employee ($millions) | 2.2744% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 2,533 |
| Loan loss allowance to noncurrent loans | 2,284.2105% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 3,698 |
| Noncurrent loans to loans | 0.0720% | 5,924 |
| Net loans and leases to total assets | 87.8006% | 86 |
| Net loans and leases to deposits | 104.0022% | 290 |
| Net loans and leases to core deposits | 108.9795% | 629 |
| Total domestic deposits to total assets | 84.4218% | 4,116 |
| Equity capital to assets | 12.3618% | 1,654 |
| Core capital (leverage) ratio | 12.4638% | 1,400 |
| Tier 1 risk-based capital ratio | 17.2634% | 2,565 |
| Total risk-based capital ratio | 18.5245% | 2,526 |
| Memoranda: | ||
| Average total assets | $29,289,000 | 6,465 |
| Average earning assets | $27,371,000 | 6,430 |
| Average equity | $3,628,500 | 6,323 |
| Average total loans | $26,369,500 | 5,876 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4643% | 40 |
| Cost of funding earning assets | 1.2034% | 172 |
| Net interest margin | 7.2610% | 47 |
| Noninterest income to average assets | 0.3590% | 4,732 |
| Noninterest expense to average assets | 5.2208% | 295 |
| Loan and lease loss provision to assets | 0.6120% | 403 |
| Net operating income to assets | 0.7317% | 3,650 |
| Return on assets (ROA) | 0.7317% | 3,733 |
| Pretax return on assets | 1.2308% | 2,454 |
| Return on Equity (ROE) | 6.1153% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.1153% | 1,905 |
| Net charge-offs to loans | 0.4262% | 1,566 |
| Credit loss provision to net charge-offs | 158.4071% | 1,446 |
| Earnings coverage of net charge-offs (x) | 4.7699% | 3,464 |
| Efficiency ratio | 73.9109% | 3,138 |
| Assets per employee ($millions) | 1.9341% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 2,751 |
| Loan loss allowance to noncurrent loans | 332.2835% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 3,521 |
| Noncurrent loans to loans | 0.4821% | 4,789 |
| Net loans and leases to total assets | 89.3558% | 54 |
| Net loans and leases to deposits | 106.3813% | 249 |
| Net loans and leases to core deposits | 111.6024% | 554 |
| Total domestic deposits to total assets | 83.9957% | 4,167 |
| Equity capital to assets | 12.4160% | 1,556 |
| Core capital (leverage) ratio | 12.5270% | 1,344 |
| Tier 1 risk-based capital ratio | 17.3599% | 2,470 |
| Total risk-based capital ratio | 18.6178% | 2,439 |
| Memoranda: | ||
| Average total assets | $29,248,600 | 6,535 |
| Average earning assets | $27,007,400 | 6,507 |
| Average equity | $3,499,400 | 6,437 |
| Average total loans | $26,514,000 | 5,910 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4592% | 39 |
| Cost of funding earning assets | 1.2240% | 175 |
| Net interest margin | 7.2352% | 48 |
| Noninterest income to average assets | 0.3412% | 4,963 |
| Noninterest expense to average assets | 5.1452% | 310 |
| Loan and lease loss provision to assets | 0.5459% | 480 |
| Net operating income to assets | 0.7825% | 3,444 |
| Return on assets (ROA) | 0.7825% | 3,570 |
| Pretax return on assets | 1.3193% | 2,265 |
| Return on Equity (ROE) | 6.6018% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.6018% | 2,078 |
| Net charge-offs to loans | 0.2912% | 2,078 |
| Credit loss provision to net charge-offs | 206.8966% | 1,172 |
| Earnings coverage of net charge-offs (x) | 7.0691% | 2,851 |
| Efficiency ratio | 73.3939% | 3,157 |
| Assets per employee ($millions) | 2.0679% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,018 |
| Loan loss allowance to noncurrent loans | 169.2308% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5544% | 2,604 |
| Noncurrent loans to loans | 0.9423% | 3,932 |
| Net loans and leases to total assets | 89.1019% | 56 |
| Net loans and leases to deposits | 106.4106% | 230 |
| Net loans and leases to core deposits | 111.6618% | 516 |
| Total domestic deposits to total assets | 83.7340% | 4,302 |
| Equity capital to assets | 12.2971% | 1,716 |
| Core capital (leverage) ratio | 12.1572% | 1,586 |
| Tier 1 risk-based capital ratio | 17.0727% | 2,679 |
| Total risk-based capital ratio | 18.3340% | 2,638 |
| Memoranda: | ||
| Average total assets | $29,308,000 | 6,611 |
| Average earning assets | $27,015,250 | 6,578 |
| Average equity | $3,473,750 | 6,512 |
| Average total loans | $26,556,250 | 5,968 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5240% | 39 |
| Cost of funding earning assets | 1.2496% | 179 |
| Net interest margin | 7.2744% | 46 |
| Noninterest income to average assets | 0.3194% | 5,154 |
| Noninterest expense to average assets | 5.0633% | 337 |
| Loan and lease loss provision to assets | 0.5913% | 433 |
| Net operating income to assets | 0.7748% | 3,437 |
| Return on assets (ROA) | 0.7748% | 3,585 |
| Pretax return on assets | 1.3117% | 2,257 |
| Return on Equity (ROE) | 6.6183% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.6183% | 2,083 |
| Net charge-offs to loans | 0.3150% | 1,927 |
| Credit loss provision to net charge-offs | 207.1429% | 1,160 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,675 |
| Efficiency ratio | 72.6829% | 3,355 |
| Assets per employee ($millions) | 2.1096% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,561 |
| Loan loss allowance to noncurrent loans | 320.8000% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 3,527 |
| Noncurrent loans to loans | 0.4695% | 5,084 |
| Net loans and leases to total assets | 88.7896% | 66 |
| Net loans and leases to deposits | 105.2750% | 242 |
| Net loans and leases to core deposits | 111.2506% | 512 |
| Total domestic deposits to total assets | 84.3406% | 4,181 |
| Equity capital to assets | 11.8571% | 2,000 |
| Core capital (leverage) ratio | 11.9241% | 1,656 |
| Tier 1 risk-based capital ratio | 16.6334% | 2,875 |
| Total risk-based capital ratio | 17.8921% | 2,836 |
| Memoranda: | ||
| Average total assets | $29,427,330 | 6,659 |
| Average earning assets | $26,888,670 | 6,633 |
| Average equity | $3,445,000 | 6,569 |
| Average total loans | $26,670,670 | 5,993 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6636% | 32 |
| Cost of funding earning assets | 1.2785% | 172 |
| Net interest margin | 7.3851% | 42 |
| Noninterest income to average assets | 0.3677% | 4,728 |
| Noninterest expense to average assets | 5.0113% | 370 |
| Loan and lease loss provision to assets | 0.7354% | 317 |
| Net operating income to assets | 0.7762% | 3,302 |
| Return on assets (ROA) | 0.7762% | 3,437 |
| Pretax return on assets | 1.3073% | 2,207 |
| Return on Equity (ROE) | 6.6735% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.6735% | 2,327 |
| Net charge-offs to loans | 0.5245% | 1,148 |
| Credit loss provision to net charge-offs | 154.2857% | 1,339 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 2,587 |
| Efficiency ratio | 71.0425% | 3,783 |
| Assets per employee ($millions) | 2.2492% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,147 |
| Loan loss allowance to noncurrent loans | 129.3103% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6689% | 2,780 |
| Noncurrent loans to loans | 1.0963% | 3,947 |
| Net loans and leases to total assets | 89.1860% | 50 |
| Net loans and leases to deposits | 106.1246% | 196 |
| Net loans and leases to core deposits | 112.2359% | 433 |
| Total domestic deposits to total assets | 84.0390% | 4,465 |
| Equity capital to assets | 11.7818% | 2,195 |
| Core capital (leverage) ratio | 11.7356% | 1,719 |
| Tier 1 risk-based capital ratio | 16.6522% | 2,925 |
| Total risk-based capital ratio | 17.9089% | 2,889 |
| Memoranda: | ||
| Average total assets | $29,373,500 | 6,725 |
| Average earning assets | $26,594,000 | 6,704 |
| Average equity | $3,416,500 | 6,638 |
| Average total loans | $26,693,500 | 6,037 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8447% | 38 |
| Cost of funding earning assets | 1.4846% | 174 |
| Net interest margin | 7.3601% | 46 |
| Noninterest income to average assets | 0.4283% | 4,396 |
| Noninterest expense to average assets | 5.2075% | 329 |
| Loan and lease loss provision to assets | 0.7656% | 650 |
| Net operating income to assets | 0.6813% | 3,827 |
| Return on assets (ROA) | 0.6813% | 4,095 |
| Pretax return on assets | 1.1433% | 3,010 |
| Return on Equity (ROE) | 5.9095% | 4,222 |
| Retained earnings to average equity (ytd only) | -3.1888% | 6,276 |
| Net charge-offs to loans | 0.8267% | 1,407 |
| Credit loss provision to net charge-offs | 101.7937% | 2,969 |
| Earnings coverage of net charge-offs (x) | 2.5381% | 4,149 |
| Efficiency ratio | 73.1754% | 3,213 |
| Assets per employee ($millions) | 2.1076% | 6,872 |
| Cash dividends to net income (ytd only)* | 153.9604% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,522 |
| Loan loss allowance to noncurrent loans | 123.6111% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.3624% | 3,358 |
| Noncurrent loans to loans | 1.0693% | 4,062 |
| Net loans and leases to total assets | 90.0735% | 41 |
| Net loans and leases to deposits | 106.8849% | 205 |
| Net loans and leases to core deposits | 114.1716% | 413 |
| Total domestic deposits to total assets | 84.2715% | 4,195 |
| Equity capital to assets | 11.4820% | 2,465 |
| Core capital (leverage) ratio | 11.3760% | 1,955 |
| Tier 1 risk-based capital ratio | 16.0721% | 3,125 |
| Total risk-based capital ratio | 17.3292% | 3,070 |
| Memoranda: | ||
| Average total assets | $29,649,800 | 6,763 |
| Average earning assets | $26,942,600 | 6,738 |
| Average equity | $3,418,200 | 6,704 |
| Average total loans | $26,974,200 | 6,082 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7722% | 37 |
| Cost of funding earning assets | 1.5527% | 156 |
| Net interest margin | 7.2195% | 47 |
| Noninterest income to average assets | 0.4806% | 4,058 |
| Noninterest expense to average assets | 5.0349% | 356 |
| Loan and lease loss provision to assets | 0.7231% | 695 |
| Net operating income to assets | 0.7591% | 3,655 |
| Return on assets (ROA) | 0.7591% | 3,904 |
| Pretax return on assets | 1.2801% | 2,668 |
| Return on Equity (ROE) | 6.5775% | 4,027 |
| Retained earnings to average equity (ytd only) | -5.5267% | 6,647 |
| Net charge-offs to loans | 0.7856% | 1,410 |
| Credit loss provision to net charge-offs | 101.2579% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.8051% | 3,914 |
| Efficiency ratio | 71.5380% | 3,409 |
| Assets per employee ($millions) | 2.1552% | 6,938 |
| Cash dividends to net income (ytd only)* | 184.0234% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,767 |
| Loan loss allowance to noncurrent loans | 91.2371% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.3299% | 2,282 |
| Noncurrent loans to loans | 1.4369% | 3,649 |
| Net loans and leases to total assets | 88.3207% | 86 |
| Net loans and leases to deposits | 104.6701% | 269 |
| Net loans and leases to core deposits | 112.0930% | 494 |
| Total domestic deposits to total assets | 84.3801% | 4,047 |
| Equity capital to assets | 11.1192% | 3,131 |
| Core capital (leverage) ratio | 11.3180% | 2,121 |
| Tier 1 risk-based capital ratio | 15.7231% | 3,413 |
| Total risk-based capital ratio | 16.9791% | 3,376 |
| Memoranda: | ||
| Average total assets | $29,685,500 | 6,848 |
| Average earning assets | $26,963,250 | 6,826 |
| Average equity | $3,425,750 | 6,789 |
| Average total loans | $26,984,250 | 6,168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7337% | 38 |
| Cost of funding earning assets | 1.6311% | 136 |
| Net interest margin | 7.1026% | 51 |
| Noninterest income to average assets | 0.4607% | 4,202 |
| Noninterest expense to average assets | 5.0334% | 367 |
| Loan and lease loss provision to assets | 0.6165% | 948 |
| Net operating income to assets | 0.7791% | 3,474 |
| Return on assets (ROA) | 0.7791% | 3,744 |
| Pretax return on assets | 1.3007% | 2,557 |
| Return on Equity (ROE) | 6.6680% | 3,951 |
| Retained earnings to average equity (ytd only) | -11.3645% | 6,867 |
| Net charge-offs to loans | 0.6598% | 1,672 |
| Credit loss provision to net charge-offs | 102.2472% | 2,660 |
| Earnings coverage of net charge-offs (x) | 3.1798% | 3,468 |
| Efficiency ratio | 72.4172% | 3,357 |
| Assets per employee ($millions) | 2.1178% | 7,008 |
| Cash dividends to net income (ytd only)* | 270.4348% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,863 |
| Loan loss allowance to noncurrent loans | 77.2926% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 2.1417% | 2,616 |
| Noncurrent loans to loans | 1.6904% | 3,361 |
| Net loans and leases to total assets | 90.1885% | 40 |
| Net loans and leases to deposits | 107.7487% | 188 |
| Net loans and leases to core deposits | 115.8428% | 399 |
| Total domestic deposits to total assets | 83.7027% | 4,437 |
| Equity capital to assets | 11.1336% | 2,982 |
| Core capital (leverage) ratio | 11.2176% | 2,109 |
| Tier 1 risk-based capital ratio | 15.5583% | 3,401 |
| Total risk-based capital ratio | 16.8120% | 3,361 |
| Memoranda: | ||
| Average total assets | $29,523,000 | 6,903 |
| Average earning assets | $26,976,000 | 6,877 |
| Average equity | $3,449,330 | 6,824 |
| Average total loans | $26,978,000 | 6,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7670% | 38 |
| Cost of funding earning assets | 1.6643% | 140 |
| Net interest margin | 7.1028% | 53 |
| Noninterest income to average assets | 0.4209% | 4,512 |
| Noninterest expense to average assets | 5.2410% | 318 |
| Loan and lease loss provision to assets | 0.5024% | 1,210 |
| Net operating income to assets | 0.7196% | 3,785 |
| Return on assets (ROA) | 0.7196% | 4,007 |
| Pretax return on assets | 1.1677% | 3,038 |
| Return on Equity (ROE) | 6.0167% | 4,281 |
| Retained earnings to average equity (ytd only) | 6.0167% | 2,946 |
| Net charge-offs to loans | 0.6389% | 1,527 |
| Credit loss provision to net charge-offs | 86.0465% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.8605% | 3,036 |
| Efficiency ratio | 75.8350% | 2,810 |
| Assets per employee ($millions) | 2.0959% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,125 |
| Loan loss allowance to noncurrent loans | 61.4565% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.2800% | 2,614 |
| Noncurrent loans to loans | 2.0779% | 3,057 |
| Net loans and leases to total assets | 91.1628% | 26 |
| Net loans and leases to deposits | 108.9129% | 154 |
| Net loans and leases to core deposits | 115.6814% | 389 |
| Total domestic deposits to total assets | 83.7025% | 4,633 |
| Equity capital to assets | 12.0987% | 1,974 |
| Core capital (leverage) ratio | 12.0744% | 1,548 |
| Tier 1 risk-based capital ratio | 16.8454% | 2,741 |
| Total risk-based capital ratio | 18.0981% | 2,694 |
| Memoranda: | ||
| Average total assets | $29,460,000 | 6,959 |
| Average earning assets | $26,919,000 | 6,932 |
| Average equity | $3,523,500 | 6,843 |
| Average total loans | $26,920,000 | 6,254 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8826% | 38 |
| Cost of funding earning assets | 1.9268% | 134 |
| Net interest margin | 6.9558% | 54 |
| Noninterest income to average assets | 0.3042% | 5,361 |
| Noninterest expense to average assets | 5.2614% | 308 |
| Loan and lease loss provision to assets | 0.5255% | 1,992 |
| Net operating income to assets | 0.6292% | 3,833 |
| Return on assets (ROA) | 0.6292% | 4,037 |
| Pretax return on assets | 1.0440% | 3,057 |
| Return on Equity (ROE) | 5.3366% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.3366% | 2,427 |
| Net charge-offs to loans | 0.5219% | 2,904 |
| Credit loss provision to net charge-offs | 108.5714% | 3,107 |
| Earnings coverage of net charge-offs (x) | 3.2429% | 3,586 |
| Efficiency ratio | 77.0243% | 2,742 |
| Assets per employee ($millions) | 2.1127% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,828 |
| Loan loss allowance to noncurrent loans | 105.3892% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.5011% | 3,699 |
| Noncurrent loans to loans | 1.2488% | 4,280 |
| Net loans and leases to total assets | 89.2319% | 54 |
| Net loans and leases to deposits | 107.7265% | 213 |
| Net loans and leases to core deposits | 113.9496% | 502 |
| Total domestic deposits to total assets | 82.8318% | 4,818 |
| Equity capital to assets | 11.8230% | 2,258 |
| Core capital (leverage) ratio | 11.9551% | 1,616 |
| Tier 1 risk-based capital ratio | 16.8408% | 2,672 |
| Total risk-based capital ratio | 18.0929% | 2,638 |
| Memoranda: | ||
| Average total assets | $28,927,400 | 6,997 |
| Average earning assets | $27,143,000 | 6,958 |
| Average equity | $3,410,400 | 6,907 |
| Average total loans | $26,822,600 | 6,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8239% | 42 |
| Cost of funding earning assets | 1.9772% | 130 |
| Net interest margin | 6.8467% | 55 |
| Noninterest income to average assets | 0.2781% | 5,624 |
| Noninterest expense to average assets | 5.1172% | 337 |
| Loan and lease loss provision to assets | 0.5330% | 1,853 |
| Net operating income to assets | 0.6860% | 3,688 |
| Return on assets (ROA) | 0.6860% | 3,860 |
| Pretax return on assets | 1.1124% | 2,959 |
| Return on Equity (ROE) | 5.8231% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.8231% | 2,661 |
| Net charge-offs to loans | 0.5414% | 2,615 |
| Credit loss provision to net charge-offs | 105.5046% | 3,146 |
| Earnings coverage of net charge-offs (x) | 3.2569% | 3,521 |
| Efficiency ratio | 75.6683% | 2,891 |
| Assets per employee ($millions) | 2.0638% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 5,037 |
| Loan loss allowance to noncurrent loans | 111.6129% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 4,624 |
| Noncurrent loans to loans | 1.1591% | 4,603 |
| Net loans and leases to total assets | 91.3647% | 26 |
| Net loans and leases to deposits | 110.4704% | 170 |
| Net loans and leases to core deposits | 117.5386% | 450 |
| Total domestic deposits to total assets | 82.7052% | 4,794 |
| Equity capital to assets | 11.9856% | 2,261 |
| Core capital (leverage) ratio | 12.0014% | 1,707 |
| Tier 1 risk-based capital ratio | 16.7012% | 2,764 |
| Total risk-based capital ratio | 17.9503% | 2,732 |
| Memoranda: | ||
| Average total assets | $28,764,750 | 7,074 |
| Average earning assets | $27,243,500 | 7,014 |
| Average equity | $3,388,750 | 6,971 |
| Average total loans | $26,842,000 | 6,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8199% | 46 |
| Cost of funding earning assets | 2.0212% | 132 |
| Net interest margin | 6.7986% | 59 |
| Noninterest income to average assets | 0.2785% | 5,657 |
| Noninterest expense to average assets | 4.9857% | 374 |
| Loan and lease loss provision to assets | 0.5710% | 1,696 |
| Net operating income to assets | 0.7033% | 3,531 |
| Return on assets (ROA) | 0.7033% | 3,637 |
| Pretax return on assets | 1.1629% | 2,630 |
| Return on Equity (ROE) | 6.0048% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.0048% | 2,426 |
| Net charge-offs to loans | 0.5730% | 2,390 |
| Credit loss provision to net charge-offs | 106.4935% | 2,894 |
| Earnings coverage of net charge-offs (x) | 3.2338% | 3,255 |
| Efficiency ratio | 74.1969% | 3,328 |
| Assets per employee ($millions) | 2.0447% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 5,148 |
| Loan loss allowance to noncurrent loans | 103.6036% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 4,565 |
| Noncurrent loans to loans | 1.2356% | 4,596 |
| Net loans and leases to total assets | 92.9400% | 13 |
| Net loans and leases to deposits | 113.6286% | 132 |
| Net loans and leases to core deposits | 120.5155% | 408 |
| Total domestic deposits to total assets | 81.7928% | 5,239 |
| Equity capital to assets | 11.9332% | 2,141 |
| Core capital (leverage) ratio | 11.9199% | 1,648 |
| Tier 1 risk-based capital ratio | 16.4476% | 2,771 |
| Total risk-based capital ratio | 17.7043% | 2,731 |
| Memoranda: | ||
| Average total assets | $28,722,000 | 7,139 |
| Average earning assets | $27,211,330 | 7,079 |
| Average equity | $3,364,000 | 7,023 |
| Average total loans | $26,874,670 | 6,423 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8032% | 44 |
| Cost of funding earning assets | 2.0722% | 136 |
| Net interest margin | 6.7310% | 61 |
| Noninterest income to average assets | 0.1946% | 6,328 |
| Noninterest expense to average assets | 5.1164% | 331 |
| Loan and lease loss provision to assets | 0.4032% | 2,177 |
| Net operating income to assets | 0.6396% | 3,805 |
| Return on assets (ROA) | 0.6396% | 3,878 |
| Pretax return on assets | 1.0428% | 2,980 |
| Return on Equity (ROE) | 5.5123% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.5123% | 2,907 |
| Net charge-offs to loans | 0.4024% | 2,489 |
| Credit loss provision to net charge-offs | 107.4074% | 2,482 |
| Earnings coverage of net charge-offs (x) | 3.8519% | 2,615 |
| Efficiency ratio | 77.9661% | 2,849 |
| Assets per employee ($millions) | 2.1962% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 5,278 |
| Loan loss allowance to noncurrent loans | 113.6213% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 4,817 |
| Noncurrent loans to loans | 1.1203% | 4,832 |
| Net loans and leases to total assets | 92.9074% | 16 |
| Net loans and leases to deposits | 113.7479% | 136 |
| Net loans and leases to core deposits | 121.2174% | 394 |
| Total domestic deposits to total assets | 81.6784% | 5,432 |
| Equity capital to assets | 11.7719% | 2,058 |
| Core capital (leverage) ratio | 11.6860% | 1,746 |
| Tier 1 risk-based capital ratio | 16.6115% | 2,615 |
| Total risk-based capital ratio | 17.8669% | 2,591 |
| Memoranda: | ||
| Average total assets | $28,770,000 | 7,189 |
| Average earning assets | $27,217,500 | 7,126 |
| Average equity | $3,338,000 | 7,064 |
| Average total loans | $26,837,000 | 6,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8560% | 47 |
| Cost of funding earning assets | 2.4803% | 118 |
| Net interest margin | 6.3757% | 71 |
| Noninterest income to average assets | 0.2807% | 5,770 |
| Noninterest expense to average assets | 4.8058% | 495 |
| Loan and lease loss provision to assets | 0.5716% | 2,843 |
| Net operating income to assets | 0.5716% | 3,795 |
| Return on assets (ROA) | 0.5716% | 3,956 |
| Pretax return on assets | 0.8865% | 3,347 |
| Return on Equity (ROE) | 5.1684% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.1684% | 2,332 |
| Net charge-offs to loans | 0.5797% | 3,304 |
| Credit loss provision to net charge-offs | 107.0513% | 4,151 |
| Earnings coverage of net charge-offs (x) | 2.7308% | 3,712 |
| Efficiency ratio | 76.7213% | 2,927 |
| Assets per employee ($millions) | 2.0706% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,169 |
| Loan loss allowance to noncurrent loans | 189.9441% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 5,778 |
| Noncurrent loans to loans | 0.6678% | 5,711 |
| Net loans and leases to total assets | 91.2967% | 33 |
| Net loans and leases to deposits | 112.9819% | 187 |
| Net loans and leases to core deposits | 119.5501% | 540 |
| Total domestic deposits to total assets | 80.8065% | 5,588 |
| Equity capital to assets | 11.4354% | 2,319 |
| Core capital (leverage) ratio | 11.2598% | 1,977 |
| Tier 1 risk-based capital ratio | 16.4720% | 2,532 |
| Total risk-based capital ratio | 17.7242% | 2,503 |
| Memoranda: | ||
| Average total assets | $29,214,800 | 7,233 |
| Average earning assets | $27,416,400 | 7,178 |
| Average equity | $3,231,200 | 7,213 |
| Average total loans | $26,910,000 | 6,559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8416% | 47 |
| Cost of funding earning assets | 2.5567% | 114 |
| Net interest margin | 6.2849% | 78 |
| Noninterest income to average assets | 0.1275% | 6,918 |
| Noninterest expense to average assets | 4.6825% | 501 |
| Loan and lease loss provision to assets | 0.3735% | 3,654 |
| Net operating income to assets | 0.5830% | 3,943 |
| Return on assets (ROA) | 0.5830% | 4,105 |
| Pretax return on assets | 0.9611% | 3,327 |
| Return on Equity (ROE) | 5.3161% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.3161% | 2,758 |
| Net charge-offs to loans | 0.2970% | 4,176 |
| Credit loss provision to net charge-offs | 136.6667% | 2,922 |
| Earnings coverage of net charge-offs (x) | 4.8833% | 2,906 |
| Efficiency ratio | 77.8198% | 2,645 |
| Assets per employee ($millions) | 2.1189% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,987 |
| Loan loss allowance to noncurrent loans | 139.8406% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3416% | 4,482 |
| Noncurrent loans to loans | 0.9268% | 5,387 |
| Net loans and leases to total assets | 90.1096% | 56 |
| Net loans and leases to deposits | 113.0896% | 203 |
| Net loans and leases to core deposits | 120.1339% | 607 |
| Total domestic deposits to total assets | 79.6798% | 5,814 |
| Equity capital to assets | 11.0433% | 2,919 |
| Core capital (leverage) ratio | 11.1493% | 2,161 |
| Tier 1 risk-based capital ratio | 15.9680% | 2,781 |
| Total risk-based capital ratio | 17.2207% | 2,726 |
| Memoranda: | ||
| Average total assets | $29,271,250 | 7,317 |
| Average earning assets | $27,430,250 | 7,267 |
| Average equity | $3,210,250 | 7,309 |
| Average total loans | $26,936,000 | 6,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8565% | 50 |
| Cost of funding earning assets | 2.5975% | 129 |
| Net interest margin | 6.2590% | 81 |
| Noninterest income to average assets | 0.1853% | 6,579 |
| Noninterest expense to average assets | 4.7838% | 440 |
| Loan and lease loss provision to assets | 0.3226% | 3,810 |
| Net operating income to assets | 0.5765% | 3,967 |
| Return on assets (ROA) | 0.5765% | 4,107 |
| Pretax return on assets | 0.9334% | 3,373 |
| Return on Equity (ROE) | 5.2692% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.2692% | 2,737 |
| Net charge-offs to loans | 0.2752% | 3,962 |
| Credit loss provision to net charge-offs | 127.0270% | 3,166 |
| Earnings coverage of net charge-offs (x) | 4.9459% | 2,800 |
| Efficiency ratio | 79.2045% | 2,544 |
| Assets per employee ($millions) | 2.0761% | 7,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 5,173 |
| Loan loss allowance to noncurrent loans | 211.8750% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 4,395 |
| Noncurrent loans to loans | 0.5907% | 6,065 |
| Net loans and leases to total assets | 92.0282% | 31 |
| Net loans and leases to deposits | 118.1866% | 152 |
| Net loans and leases to core deposits | 125.8966% | 514 |
| Total domestic deposits to total assets | 77.8669% | 6,299 |
| Equity capital to assets | 11.1199% | 2,756 |
| Core capital (leverage) ratio | 11.1020% | 2,165 |
| Tier 1 risk-based capital ratio | 15.8168% | 2,752 |
| Total risk-based capital ratio | 17.0696% | 2,714 |
| Memoranda: | ||
| Average total assets | $29,140,000 | 7,382 |
| Average earning assets | $27,256,670 | 7,325 |
| Average equity | $3,188,330 | 7,359 |
| Average total loans | $26,887,330 | 6,702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8531% | 53 |
| Cost of funding earning assets | 2.6676% | 135 |
| Net interest margin | 6.1854% | 92 |
| Noninterest income to average assets | 0.2879% | 5,840 |
| Noninterest expense to average assets | 4.9627% | 377 |
| Loan and lease loss provision to assets | 0.2605% | 3,952 |
| Net operating income to assets | 0.5072% | 4,358 |
| Return on assets (ROA) | 0.5072% | 4,500 |
| Pretax return on assets | 0.8500% | 3,670 |
| Return on Equity (ROE) | 4.6739% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.6739% | 3,336 |
| Net charge-offs to loans | 0.2538% | 3,421 |
| Credit loss provision to net charge-offs | 111.7647% | 3,097 |
| Earnings coverage of net charge-offs (x) | 4.7647% | 2,557 |
| Efficiency ratio | 81.7156% | 2,311 |
| Assets per employee ($millions) | 2.2417% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 5,254 |
| Loan loss allowance to noncurrent loans | 208.1761% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 1.3829% | 4,431 |
| Noncurrent loans to loans | 0.5979% | 6,108 |
| Net loans and leases to total assets | 90.1105% | 65 |
| Net loans and leases to deposits | 115.8001% | 182 |
| Net loans and leases to core deposits | 122.2021% | 701 |
| Total domestic deposits to total assets | 77.8155% | 6,363 |
| Equity capital to assets | 10.9292% | 2,828 |
| Core capital (leverage) ratio | 10.9919% | 2,237 |
| Tier 1 risk-based capital ratio | 15.8355% | 2,711 |
| Total risk-based capital ratio | 17.0885% | 2,656 |
| Memoranda: | ||
| Average total assets | $29,177,500 | 7,471 |
| Average earning assets | $27,290,000 | 7,415 |
| Average equity | $3,166,500 | 7,447 |
| Average total loans | $26,787,500 | 6,784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2237% | 46 |
| Cost of funding earning assets | 3.2257% | 114 |
| Net interest margin | 5.9981% | 111 |
| Noninterest income to average assets | 0.3909% | 5,289 |
| Noninterest expense to average assets | 4.9130% | 558 |
| Loan and lease loss provision to assets | 0.3371% | 4,783 |
| Net operating income to assets | 0.5164% | 3,667 |
| Return on assets (ROA) | 0.5164% | 3,760 |
| Pretax return on assets | 0.8356% | 3,126 |
| Return on Equity (ROE) | 4.6626% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.6626% | 1,994 |
| Net charge-offs to loans | 0.3648% | 4,397 |
| Credit loss provision to net charge-offs | 97.9167% | 5,689 |
| Earnings coverage of net charge-offs (x) | 3.4063% | 3,356 |
| Efficiency ratio | 80.7307% | 2,783 |
| Assets per employee ($millions) | 2.0866% | 7,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,242 |
| Loan loss allowance to noncurrent loans | 195.8333% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 4,867 |
| Noncurrent loans to loans | 0.6226% | 5,996 |
| Net loans and leases to total assets | 91.2436% | 54 |
| Net loans and leases to deposits | 117.2525% | 211 |
| Net loans and leases to core deposits | 117.7757% | 2,153 |
| Total domestic deposits to total assets | 77.8181% | 6,264 |
| Equity capital to assets | 10.7760% | 2,893 |
| Core capital (leverage) ratio | 11.0720% | 2,190 |
| Tier 1 risk-based capital ratio | 15.5526% | 2,694 |
| Total risk-based capital ratio | 16.8025% | 2,644 |
| Memoranda: | ||
| Average total assets | $27,885,000 | 7,556 |
| Average earning assets | $26,475,200 | 7,486 |
| Average equity | $3,088,400 | 7,567 |
| Average total loans | $26,315,400 | 6,840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2546% | 45 |
| Cost of funding earning assets | 3.2711% | 152 |
| Net interest margin | 5.9835% | 113 |
| Noninterest income to average assets | 0.4307% | 5,038 |
| Noninterest expense to average assets | 4.7713% | 577 |
| Loan and lease loss provision to assets | 0.2323% | 5,115 |
| Net operating income to assets | 0.6823% | 3,270 |
| Return on assets (ROA) | 0.6823% | 3,326 |
| Pretax return on assets | 1.1275% | 2,481 |
| Return on Equity (ROE) | 6.1168% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.1168% | 1,893 |
| Net charge-offs to loans | 0.1989% | 4,822 |
| Credit loss provision to net charge-offs | 123.0769% | 4,106 |
| Earnings coverage of net charge-offs (x) | 7.2050% | 2,451 |
| Efficiency ratio | 77.8216% | 3,193 |
| Assets per employee ($millions) | 2.0268% | 7,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,703 |
| Loan loss allowance to noncurrent loans | 124.5421% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 4,082 |
| Noncurrent loans to loans | 1.0187% | 5,270 |
| Net loans and leases to total assets | 93.2511% | 31 |
| Net loans and leases to deposits | 121.7223% | 176 |
| Net loans and leases to core deposits | 122.2905% | 2,045 |
| Total domestic deposits to total assets | 76.6097% | 6,445 |
| Equity capital to assets | 11.0837% | 2,940 |
| Core capital (leverage) ratio | 11.2611% | 2,210 |
| Tier 1 risk-based capital ratio | 15.9313% | 2,651 |
| Total risk-based capital ratio | 17.1825% | 2,590 |
| Memoranda: | ||
| Average total assets | $27,553,000 | 7,636 |
| Average earning assets | $26,249,250 | 7,564 |
| Average equity | $3,073,500 | 7,638 |
| Average total loans | $26,148,250 | 6,909 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2530% | 47 |
| Cost of funding earning assets | 3.3403% | 174 |
| Net interest margin | 5.9127% | 117 |
| Noninterest income to average assets | 0.4179% | 5,133 |
| Noninterest expense to average assets | 4.7582% | 611 |
| Loan and lease loss provision to assets | 0.1686% | 5,379 |
| Net operating income to assets | 0.6818% | 3,334 |
| Return on assets (ROA) | 0.6818% | 3,452 |
| Pretax return on assets | 1.1364% | 2,513 |
| Return on Equity (ROE) | 6.0990% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.0990% | 1,970 |
| Net charge-offs to loans | 0.0848% | 5,360 |
| Credit loss provision to net charge-offs | 209.0909% | 2,188 |
| Earnings coverage of net charge-offs (x) | 16.1818% | 1,543 |
| Efficiency ratio | 78.4764% | 3,280 |
| Assets per employee ($millions) | 1.9827% | 7,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,236 |
| Loan loss allowance to noncurrent loans | 125.6410% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6176% | 3,789 |
| Noncurrent loans to loans | 1.0398% | 5,139 |
| Net loans and leases to total assets | 93.3497% | 35 |
| Net loans and leases to deposits | 124.1412% | 174 |
| Net loans and leases to core deposits | 125.9699% | 1,876 |
| Total domestic deposits to total assets | 75.1963% | 6,720 |
| Equity capital to assets | 11.1535% | 2,791 |
| Core capital (leverage) ratio | 11.3477% | 2,172 |
| Tier 1 risk-based capital ratio | 16.1705% | 2,560 |
| Total risk-based capital ratio | 17.4240% | 2,506 |
| Memoranda: | ||
| Average total assets | $27,279,000 | 7,712 |
| Average earning assets | $26,045,670 | 7,641 |
| Average equity | $3,049,670 | 7,713 |
| Average total loans | $25,931,000 | 6,969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2141% | 50 |
| Cost of funding earning assets | 3.3548% | 231 |
| Net interest margin | 5.8593% | 117 |
| Noninterest income to average assets | 0.2811% | 6,182 |
| Noninterest expense to average assets | 4.6451% | 626 |
| Loan and lease loss provision to assets | 0.1479% | 5,045 |
| Net operating income to assets | 0.6657% | 3,728 |
| Return on assets (ROA) | 0.6657% | 3,904 |
| Pretax return on assets | 1.0947% | 3,006 |
| Return on Equity (ROE) | 5.9475% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.9475% | 2,654 |
| Net charge-offs to loans | -0.0310% | 7,563 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8945% | 3,021 |
| Assets per employee ($millions) | 2.0785% | 7,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 3,920 |
| Loan loss allowance to noncurrent loans | 74.8908% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 3,383 |
| Noncurrent loans to loans | 1.7743% | 3,602 |
| Net loans and leases to total assets | 94.2600% | 28 |
| Net loans and leases to deposits | 127.0768% | 175 |
| Net loans and leases to core deposits | 128.3705% | 1,756 |
| Total domestic deposits to total assets | 74.1756% | 6,855 |
| Equity capital to assets | 11.2838% | 2,737 |
| Core capital (leverage) ratio | 11.2323% | 2,313 |
| Tier 1 risk-based capital ratio | 16.5195% | 2,508 |
| Total risk-based capital ratio | 17.7765% | 2,443 |
| Memoranda: | ||
| Average total assets | $27,039,500 | 7,764 |
| Average earning assets | $25,873,500 | 7,688 |
| Average equity | $3,026,500 | 7,773 |
| Average total loans | $25,769,000 | 7,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7518% | 50 |
| Cost of funding earning assets | 3.8670% | 155 |
| Net interest margin | 5.8848% | 125 |
| Noninterest income to average assets | 0.4060% | 5,420 |
| Noninterest expense to average assets | 4.7728% | 726 |
| Loan and lease loss provision to assets | 0.3984% | 3,299 |
| Net operating income to assets | 0.5539% | 4,511 |
| Return on assets (ROA) | 0.5539% | 4,364 |
| Pretax return on assets | 0.9219% | 3,651 |
| Return on Equity (ROE) | 4.9512% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.9512% | 2,060 |
| Net charge-offs to loans | 0.3977% | 2,827 |
| Credit loss provision to net charge-offs | 103.9604% | 5,144 |
| Earnings coverage of net charge-offs (x) | 3.4455% | 4,366 |
| Efficiency ratio | 78.3313% | 2,867 |
| Assets per employee ($millions) | 1.9327% | 7,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 3,881 |
| Loan loss allowance to noncurrent loans | 92.9775% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 3,592 |
| Noncurrent loans to loans | 1.3839% | 3,753 |
| Net loans and leases to total assets | 93.8502% | 33 |
| Net loans and leases to deposits | 126.9637% | 257 |
| Net loans and leases to core deposits | 128.2525% | 1,985 |
| Total domestic deposits to total assets | 73.9190% | 6,669 |
| Equity capital to assets | 11.1021% | 2,960 |
| Core capital (leverage) ratio | 11.2501% | 2,398 |
| Tier 1 risk-based capital ratio | 16.3884% | 2,522 |
| Total risk-based capital ratio | 17.6432% | 2,462 |
| Memoranda: | ||
| Average total assets | $26,357,600 | 7,793 |
| Average earning assets | $25,472,200 | 7,716 |
| Average equity | $2,948,800 | 7,852 |
| Average total loans | $25,398,600 | 7,000 |