Home > Perennial Bank > Performance and Condition Ratios
Perennial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 4,442 |
| Cost of funding earning assets | 0.6661% | 3,976 |
| Net interest margin | 2.6947% | 3,827 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.7202% | 4,110 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9251% | 2,471 |
| Return on assets (ROA) | 0.8601% | 2,649 |
| Pretax return on assets | 0.9233% | 2,900 |
| Return on Equity (ROE) | 19.6900% | 640 |
| Retained earnings to average equity (ytd only) | 12.4080% | 584 |
| Net charge-offs to loans | 0.1785% | 600 |
| Credit loss provision to net charge-offs | 207.8652% | 1,193 |
| Earnings coverage of net charge-offs (x) | 18.6742% | 1,926 |
| Efficiency ratio | 60.6161% | 3,012 |
| Assets per employee ($millions) | 7.1903% | 1,943 |
| Cash dividends to net income (ytd only)* | 36.9820% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 1,896 |
| Loan loss allowance to noncurrent loans | 221.0702% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 2,184 |
| Noncurrent loans to loans | 0.5773% | 1,356 |
| Net loans and leases to total assets | 35.5600% | 4,172 |
| Net loans and leases to deposits | 37.9129% | 4,244 |
| Net loans and leases to core deposits | 38.3040% | 4,308 |
| Total domestic deposits to total assets | 93.7800% | 121 |
| Equity capital to assets | 5.7773% | 4,280 |
| Core capital (leverage) ratio | 8.9933% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3935% | 399 |
| Memoranda: | ||
| Average total assets | $148,704,000 | 3,375 |
| Average earning assets | $141,870,800 | 3,326 |
| Average equity | $6,495,800 | 4,116 |
| Average total loans | $49,860,000 | 3,846 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 4,467 |
| Cost of funding earning assets | 0.6077% | 3,958 |
| Net interest margin | 2.6597% | 3,936 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.7208% | 4,093 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9800% | 2,424 |
| Return on assets (ROA) | 0.9044% | 2,649 |
| Pretax return on assets | 0.9044% | 3,093 |
| Return on Equity (ROE) | 22.4400% | 531 |
| Retained earnings to average equity (ytd only) | 14.5846% | 605 |
| Net charge-offs to loans | 0.1971% | 446 |
| Credit loss provision to net charge-offs | 150.6849% | 1,319 |
| Earnings coverage of net charge-offs (x) | 16.6027% | 1,926 |
| Efficiency ratio | 61.4871% | 2,786 |
| Assets per employee ($millions) | 7.2912% | 1,760 |
| Cash dividends to net income (ytd only)* | 35.0049% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,695 |
| Loan loss allowance to noncurrent loans | 241.7671% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,449 |
| Noncurrent loans to loans | 0.4698% | 1,649 |
| Net loans and leases to total assets | 35.9300% | 4,188 |
| Net loans and leases to deposits | 37.5313% | 4,268 |
| Net loans and leases to core deposits | 37.6322% | 4,300 |
| Total domestic deposits to total assets | 95.7400% | 88 |
| Equity capital to assets | 3.7559% | 4,426 |
| Core capital (leverage) ratio | 8.7680% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1799% | 478 |
| Memoranda: | ||
| Average total assets | $149,928,750 | 3,368 |
| Average earning assets | $142,822,000 | 3,321 |
| Average equity | $6,042,750 | 4,167 |
| Average total loans | $49,376,750 | 3,858 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1647% | 4,507 |
| Cost of funding earning assets | 0.5374% | 3,911 |
| Net interest margin | 2.6273% | 4,076 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.6577% | 4,200 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0456% | 2,268 |
| Return on assets (ROA) | 0.9452% | 2,591 |
| Pretax return on assets | 0.9452% | 3,058 |
| Return on Equity (ROE) | 22.9500% | 488 |
| Retained earnings to average equity (ytd only) | 13.8654% | 700 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1439% | 2,943 |
| Assets per employee ($millions) | 7.3993% | 1,665 |
| Cash dividends to net income (ytd only)* | 39.5804% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,524 |
| Loan loss allowance to noncurrent loans | 132.0961% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 1,682 |
| Noncurrent loans to loans | 0.8955% | 854 |
| Net loans and leases to total assets | 34.1500% | 4,233 |
| Net loans and leases to deposits | 35.8850% | 4,299 |
| Net loans and leases to core deposits | 35.9805% | 4,325 |
| Total domestic deposits to total assets | 95.1700% | 86 |
| Equity capital to assets | 4.3707% | 4,465 |
| Core capital (leverage) ratio | 8.5475% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6569% | 451 |
| Memoranda: | ||
| Average total assets | $151,297,333 | 3,366 |
| Average earning assets | $144,405,333 | 3,319 |
| Average equity | $6,231,333 | 4,165 |
| Average total loans | $48,169,667 | 3,881 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0814% | 4,537 |
| Cost of funding earning assets | 0.4770% | 3,764 |
| Net interest margin | 2.6044% | 4,199 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.5900% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1324% | 2,121 |
| Return on assets (ROA) | 1.0827% | 2,250 |
| Pretax return on assets | 1.0827% | 2,757 |
| Return on Equity (ROE) | 27.0900% | 321 |
| Retained earnings to average equity (ytd only) | 18.9105% | 445 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4054% | 3,145 |
| Assets per employee ($millions) | 7.7053% | 1,506 |
| Cash dividends to net income (ytd only)* | 30.1932% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,585 |
| Loan loss allowance to noncurrent loans | 169.6697% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,055 |
| Noncurrent loans to loans | 0.7040% | 1,082 |
| Net loans and leases to total assets | 30.3300% | 4,360 |
| Net loans and leases to deposits | 31.8508% | 4,412 |
| Net loans and leases to core deposits | 31.9318% | 4,426 |
| Total domestic deposits to total assets | 95.2100% | 77 |
| Equity capital to assets | 4.3833% | 4,512 |
| Core capital (leverage) ratio | 8.1634% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4484% | 411 |
| Memoranda: | ||
| Average total assets | $152,953,000 | 3,397 |
| Average earning assets | $145,906,500 | 3,348 |
| Average equity | $6,113,000 | 4,231 |
| Average total loans | $46,682,500 | 3,951 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5228% | 4,496 |
| Cost of funding earning assets | 0.2475% | 3,345 |
| Net interest margin | 2.2753% | 4,441 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.6381% | 4,265 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8745% | 3,067 |
| Return on assets (ROA) | 0.8685% | 3,019 |
| Pretax return on assets | 0.9359% | 3,255 |
| Return on Equity (ROE) | 18.9400% | 579 |
| Retained earnings to average equity (ytd only) | 15.0023% | 292 |
| Net charge-offs to loans | 0.0559% | 1,099 |
| Credit loss provision to net charge-offs | 104.1667% | 1,527 |
| Earnings coverage of net charge-offs (x) | 61.0417% | 1,244 |
| Efficiency ratio | 63.0796% | 2,620 |
| Assets per employee ($millions) | 7.5900% | 1,555 |
| Cash dividends to net income (ytd only)* | 20.7988% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,264 |
| Loan loss allowance to noncurrent loans | 270.3349% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,565 |
| Noncurrent loans to loans | 0.4537% | 1,576 |
| Net loans and leases to total assets | 29.9700% | 4,388 |
| Net loans and leases to deposits | 31.2123% | 4,445 |
| Net loans and leases to core deposits | 31.4010% | 4,461 |
| Total domestic deposits to total assets | 96.0300% | 80 |
| Equity capital to assets | 3.6041% | 4,559 |
| Core capital (leverage) ratio | 8.0357% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2569% | 405 |
| Memoranda: | ||
| Average total assets | $152,799,400 | 3,415 |
| Average earning assets | $145,472,400 | 3,371 |
| Average equity | $7,005,600 | 4,212 |
| Average total loans | $42,950,200 | 4,012 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3700% | 4,511 |
| Cost of funding earning assets | 0.2127% | 3,117 |
| Net interest margin | 2.1573% | 4,487 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.6447% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8895% | 2,910 |
| Return on assets (ROA) | 0.8903% | 2,885 |
| Pretax return on assets | 0.8903% | 3,346 |
| Return on Equity (ROE) | 18.4400% | 584 |
| Retained earnings to average equity (ytd only) | 15.6800% | 302 |
| Net charge-offs to loans | 0.0221% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 145.8571% | 760 |
| Efficiency ratio | 64.9020% | 2,422 |
| Assets per employee ($millions) | 7.5860% | 1,560 |
| Cash dividends to net income (ytd only)* | 14.9706% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,446 |
| Loan loss allowance to noncurrent loans | 231.1203% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,507 |
| Noncurrent loans to loans | 0.5258% | 1,484 |
| Net loans and leases to total assets | 29.8400% | 4,427 |
| Net loans and leases to deposits | 30.7623% | 4,487 |
| Net loans and leases to core deposits | 31.0090% | 4,495 |
| Total domestic deposits to total assets | 97.0100% | 81 |
| Equity capital to assets | 2.5316% | 4,627 |
| Core capital (leverage) ratio | 7.7736% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5382% | 460 |
| Memoranda: | ||
| Average total assets | $153,049,250 | 3,439 |
| Average earning assets | $145,423,250 | 3,395 |
| Average equity | $7,389,250 | 4,203 |
| Average total loans | $42,171,500 | 4,049 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2000% | 4,566 |
| Cost of funding earning assets | 0.1933% | 3,008 |
| Net interest margin | 2.0067% | 4,555 |
| Noninterest income to average assets | 0.5890% | 1,786 |
| Noninterest expense to average assets | 1.6457% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8509% | 2,771 |
| Return on assets (ROA) | 0.8496% | 2,759 |
| Pretax return on assets | 0.8496% | 3,206 |
| Return on Equity (ROE) | 15.2123% | 854 |
| Retained earnings to average equity (ytd only) | 13.5558% | 408 |
| Net charge-offs to loans | 0.0342% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 93.2857% | 853 |
| Efficiency ratio | 65.9186% | 2,522 |
| Assets per employee ($millions) | 7.8076% | 1,412 |
| Cash dividends to net income (ytd only)* | 10.8896% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,289 |
| Loan loss allowance to noncurrent loans | 291.6230% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,853 |
| Noncurrent loans to loans | 0.4378% | 1,811 |
| Net loans and leases to total assets | 27.5823% | 4,526 |
| Net loans and leases to deposits | 28.8485% | 4,575 |
| Net loans and leases to core deposits | 29.0178% | 4,584 |
| Total domestic deposits to total assets | 95.6107% | 104 |
| Equity capital to assets | 3.9865% | 4,626 |
| Core capital (leverage) ratio | 7.7179% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1158% | 472 |
| Memoranda: | ||
| Average total assets | $153,492,333 | 3,468 |
| Average earning assets | $145,911,333 | 3,435 |
| Average equity | $8,572,000 | 4,146 |
| Average total loans | $40,951,000 | 4,123 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1139% | 4,574 |
| Cost of funding earning assets | 0.1932% | 2,891 |
| Net interest margin | 1.9207% | 4,568 |
| Noninterest income to average assets | 0.9411% | 774 |
| Noninterest expense to average assets | 1.7192% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0515% | 1,686 |
| Return on assets (ROA) | 1.0515% | 1,678 |
| Pretax return on assets | 1.0515% | 2,291 |
| Return on Equity (ROE) | 16.4178% | 489 |
| Retained earnings to average equity (ytd only) | 16.4178% | 211 |
| Net charge-offs to loans | 0.0202% | 1,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 431 |
| Efficiency ratio | 62.0493% | 3,253 |
| Assets per employee ($millions) | 7.6296% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,955 |
| Loan loss allowance to noncurrent loans | 245.4148% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,749 |
| Noncurrent loans to loans | 0.5654% | 1,627 |
| Net loans and leases to total assets | 26.1726% | 4,557 |
| Net loans and leases to deposits | 27.7267% | 4,603 |
| Net loans and leases to core deposits | 27.7981% | 4,613 |
| Total domestic deposits to total assets | 94.3948% | 82 |
| Equity capital to assets | 5.2218% | 4,697 |
| Core capital (leverage) ratio | 7.4952% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9368% | 437 |
| Memoranda: | ||
| Average total assets | $152,163,000 | 3,491 |
| Average earning assets | $144,944,000 | 3,463 |
| Average equity | $9,745,500 | 4,086 |
| Average total loans | $39,613,000 | 4,164 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2023% | 4,622 |
| Cost of funding earning assets | 0.2055% | 3,412 |
| Net interest margin | 1.9968% | 4,603 |
| Noninterest income to average assets | 0.5627% | 2,310 |
| Noninterest expense to average assets | 1.6228% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7395% | 3,521 |
| Return on assets (ROA) | 0.7426% | 3,572 |
| Pretax return on assets | 0.8135% | 3,697 |
| Return on Equity (ROE) | 9.0592% | 2,890 |
| Retained earnings to average equity (ytd only) | 6.0931% | 2,323 |
| Net charge-offs to loans | -0.0352% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7047% | 2,162 |
| Assets per employee ($millions) | 7.5868% | 1,560 |
| Cash dividends to net income (ytd only)* | 32.7409% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,710 |
| Loan loss allowance to noncurrent loans | 225.6000% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,787 |
| Noncurrent loans to loans | 0.6455% | 1,543 |
| Net loans and leases to total assets | 25.1511% | 4,648 |
| Net loans and leases to deposits | 27.3206% | 4,668 |
| Net loans and leases to core deposits | 27.3931% | 4,679 |
| Total domestic deposits to total assets | 92.0592% | 162 |
| Equity capital to assets | 7.5942% | 4,555 |
| Core capital (leverage) ratio | 7.2733% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1277% | 436 |
| Memoranda: | ||
| Average total assets | $143,945,000 | 3,548 |
| Average earning assets | $134,815,400 | 3,529 |
| Average equity | $11,800,200 | 3,956 |
| Average total loans | $39,813,000 | 4,191 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2261% | 4,704 |
| Cost of funding earning assets | 0.2074% | 3,537 |
| Net interest margin | 2.0187% | 4,670 |
| Noninterest income to average assets | 0.6695% | 1,935 |
| Noninterest expense to average assets | 1.5671% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9850% | 2,971 |
| Return on assets (ROA) | 0.9897% | 3,028 |
| Pretax return on assets | 0.9897% | 3,492 |
| Return on Equity (ROE) | 11.8396% | 2,101 |
| Retained earnings to average equity (ytd only) | 7.9080% | 2,085 |
| Net charge-offs to loans | -0.0832% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4054% | 2,779 |
| Assets per employee ($millions) | 7.4933% | 1,574 |
| Cash dividends to net income (ytd only)* | 33.2068% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,780 |
| Loan loss allowance to noncurrent loans | 214.9813% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,927 |
| Noncurrent loans to loans | 0.6789% | 1,621 |
| Net loans and leases to total assets | 25.8584% | 4,704 |
| Net loans and leases to deposits | 28.2508% | 4,735 |
| Net loans and leases to core deposits | 28.2508% | 4,754 |
| Total domestic deposits to total assets | 91.5318% | 230 |
| Equity capital to assets | 7.9871% | 4,528 |
| Core capital (leverage) ratio | 7.5949% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8177% | 495 |
| Memoranda: | ||
| Average total assets | $141,997,500 | 3,605 |
| Average earning assets | $132,423,500 | 3,587 |
| Average equity | $11,869,500 | 3,996 |
| Average total loans | $40,084,500 | 4,242 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2594% | 4,738 |
| Cost of funding earning assets | 0.2125% | 3,631 |
| Net interest margin | 2.0469% | 4,684 |
| Noninterest income to average assets | 0.8136% | 1,503 |
| Noninterest expense to average assets | 1.5857% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1351% | 2,415 |
| Return on assets (ROA) | 1.1351% | 2,478 |
| Pretax return on assets | 1.1351% | 3,100 |
| Return on Equity (ROE) | 13.3660% | 1,605 |
| Retained earnings to average equity (ytd only) | 8.4319% | 1,921 |
| Net charge-offs to loans | 0.0050% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 791.0000% | 176 |
| Efficiency ratio | 58.2806% | 3,248 |
| Assets per employee ($millions) | 6.8889% | 1,884 |
| Cash dividends to net income (ytd only)* | 36.9153% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,214 |
| Loan loss allowance to noncurrent loans | 204.0892% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 3,029 |
| Noncurrent loans to loans | 0.6593% | 1,769 |
| Net loans and leases to total assets | 27.8232% | 4,703 |
| Net loans and leases to deposits | 30.4641% | 4,748 |
| Net loans and leases to core deposits | 30.4641% | 4,771 |
| Total domestic deposits to total assets | 91.3311% | 273 |
| Equity capital to assets | 8.2120% | 4,426 |
| Core capital (leverage) ratio | 7.5457% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7759% | 495 |
| Memoranda: | ||
| Average total assets | $139,374,667 | 3,642 |
| Average earning assets | $129,855,000 | 3,629 |
| Average equity | $11,836,000 | 4,007 |
| Average total loans | $40,337,000 | 4,268 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3426% | 4,743 |
| Cost of funding earning assets | 0.2298% | 3,644 |
| Net interest margin | 2.1127% | 4,672 |
| Noninterest income to average assets | 0.9128% | 1,293 |
| Noninterest expense to average assets | 1.6324% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2433% | 1,998 |
| Return on assets (ROA) | 1.2433% | 2,081 |
| Pretax return on assets | 1.2433% | 2,723 |
| Return on Equity (ROE) | 14.3897% | 1,349 |
| Retained earnings to average equity (ytd only) | 14.3897% | 711 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7650% | 3,457 |
| Assets per employee ($millions) | 6.3718% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 2,159 |
| Loan loss allowance to noncurrent loans | 141.7526% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 2,767 |
| Noncurrent loans to loans | 0.9588% | 1,413 |
| Net loans and leases to total assets | 28.4772% | 4,738 |
| Net loans and leases to deposits | 31.2143% | 4,779 |
| Net loans and leases to core deposits | 31.2761% | 4,797 |
| Total domestic deposits to total assets | 91.2312% | 319 |
| Equity capital to assets | 8.3436% | 4,239 |
| Core capital (leverage) ratio | 8.0013% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6385% | 428 |
| Memoranda: | ||
| Average total assets | $136,728,500 | 3,671 |
| Average earning assets | $127,040,000 | 3,657 |
| Average equity | $11,814,000 | 4,016 |
| Average total loans | $40,105,500 | 4,301 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9076% | 4,701 |
| Cost of funding earning assets | 0.2956% | 4,171 |
| Net interest margin | 2.6121% | 4,487 |
| Noninterest income to average assets | 0.4741% | 2,755 |
| Noninterest expense to average assets | 1.9584% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9406% | 2,521 |
| Return on assets (ROA) | 0.9473% | 2,645 |
| Pretax return on assets | 0.9473% | 3,228 |
| Return on Equity (ROE) | 9.9665% | 2,017 |
| Retained earnings to average equity (ytd only) | 4.5374% | 2,511 |
| Net charge-offs to loans | -0.0082% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5543% | 2,289 |
| Assets per employee ($millions) | 5.5533% | 2,789 |
| Cash dividends to net income (ytd only)* | 54.4730% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 2,047 |
| Loan loss allowance to noncurrent loans | 248.4163% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 3,442 |
| Noncurrent loans to loans | 0.5561% | 2,314 |
| Net loans and leases to total assets | 29.4070% | 4,764 |
| Net loans and leases to deposits | 32.4354% | 4,807 |
| Net loans and leases to core deposits | 32.5035% | 4,828 |
| Total domestic deposits to total assets | 90.6631% | 315 |
| Equity capital to assets | 8.9527% | 4,098 |
| Core capital (leverage) ratio | 8.1378% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9912% | 437 |
| Memoranda: | ||
| Average total assets | $119,179,600 | 3,759 |
| Average earning assets | $110,640,800 | 3,759 |
| Average equity | $11,328,000 | 4,044 |
| Average total loans | $36,710,800 | 4,378 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 4,730 |
| Cost of funding earning assets | 0.3058% | 4,287 |
| Net interest margin | 2.6988% | 4,464 |
| Noninterest income to average assets | 0.5095% | 2,571 |
| Noninterest expense to average assets | 1.9160% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1067% | 1,959 |
| Return on assets (ROA) | 1.1159% | 2,049 |
| Pretax return on assets | 1.1159% | 2,692 |
| Return on Equity (ROE) | 11.5472% | 1,498 |
| Retained earnings to average equity (ytd only) | 4.5688% | 2,762 |
| Net charge-offs to loans | -0.0223% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3867% | 2,848 |
| Assets per employee ($millions) | 5.2715% | 2,924 |
| Cash dividends to net income (ytd only)* | 60.4339% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,673 |
| Loan loss allowance to noncurrent loans | 129.2056% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 2,786 |
| Noncurrent loans to loans | 1.0950% | 1,374 |
| Net loans and leases to total assets | 30.4578% | 4,808 |
| Net loans and leases to deposits | 33.7964% | 4,857 |
| Net loans and leases to core deposits | 33.8713% | 4,875 |
| Total domestic deposits to total assets | 90.1214% | 385 |
| Equity capital to assets | 9.2976% | 3,862 |
| Core capital (leverage) ratio | 8.2572% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9595% | 411 |
| Memoranda: | ||
| Average total assets | $115,655,000 | 3,793 |
| Average earning assets | $107,699,500 | 3,798 |
| Average equity | $11,177,000 | 4,067 |
| Average total loans | $35,953,000 | 4,416 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1333% | 4,771 |
| Cost of funding earning assets | 0.3164% | 4,411 |
| Net interest margin | 2.8169% | 4,421 |
| Noninterest income to average assets | 0.6177% | 2,068 |
| Noninterest expense to average assets | 1.9833% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2568% | 1,471 |
| Return on assets (ROA) | 1.2710% | 1,554 |
| Pretax return on assets | 1.2710% | 2,129 |
| Return on Equity (ROE) | 12.9671% | 1,104 |
| Retained earnings to average equity (ytd only) | 4.7534% | 2,585 |
| Net charge-offs to loans | -0.0115% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2121% | 3,247 |
| Assets per employee ($millions) | 5.0133% | 3,158 |
| Cash dividends to net income (ytd only)* | 63.3427% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,326 |
| Loan loss allowance to noncurrent loans | 206.3910% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,445 |
| Noncurrent loans to loans | 0.7177% | 2,083 |
| Net loans and leases to total assets | 30.3485% | 4,851 |
| Net loans and leases to deposits | 33.7961% | 4,887 |
| Net loans and leases to core deposits | 33.8751% | 4,904 |
| Total domestic deposits to total assets | 89.7988% | 456 |
| Equity capital to assets | 9.6493% | 3,524 |
| Core capital (leverage) ratio | 8.9939% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0952% | 402 |
| Memoranda: | ||
| Average total assets | $112,034,667 | 3,832 |
| Average earning assets | $104,297,333 | 3,837 |
| Average equity | $10,981,667 | 4,095 |
| Average total loans | $34,908,333 | 4,459 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 4,737 |
| Cost of funding earning assets | 0.3257% | 4,579 |
| Net interest margin | 3.0703% | 4,159 |
| Noninterest income to average assets | 0.3596% | 3,368 |
| Noninterest expense to average assets | 2.0539% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1715% | 1,615 |
| Return on assets (ROA) | 1.1752% | 1,718 |
| Pretax return on assets | 1.1752% | 2,288 |
| Return on Equity (ROE) | 11.8866% | 1,131 |
| Retained earnings to average equity (ytd only) | 0.6375% | 3,834 |
| Net charge-offs to loans | -0.0118% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6782% | 3,286 |
| Assets per employee ($millions) | 4.5077% | 3,248 |
| Cash dividends to net income (ytd only)* | 94.6372% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,063 |
| Loan loss allowance to noncurrent loans | 1,522.2222% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,454 |
| Noncurrent loans to loans | 0.1052% | 4,091 |
| Net loans and leases to total assets | 31.1118% | 4,886 |
| Net loans and leases to deposits | 34.7926% | 4,926 |
| Net loans and leases to core deposits | 34.7926% | 4,938 |
| Total domestic deposits to total assets | 89.4208% | 498 |
| Equity capital to assets | 10.0283% | 3,755 |
| Core capital (leverage) ratio | 9.4049% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2651% | 426 |
| Memoranda: | ||
| Average total assets | $107,892,500 | 3,872 |
| Average earning assets | $100,708,000 | 3,868 |
| Average equity | $10,667,500 | 4,149 |
| Average total loans | $33,830,500 | 4,504 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 4,905 |
| Cost of funding earning assets | 0.3363% | 4,638 |
| Net interest margin | 3.0881% | 4,387 |
| Noninterest income to average assets | 0.4073% | 3,254 |
| Noninterest expense to average assets | 2.1571% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1216% | 2,364 |
| Return on assets (ROA) | 1.1057% | 2,516 |
| Pretax return on assets | 1.1057% | 3,145 |
| Return on Equity (ROE) | 12.0422% | 1,495 |
| Retained earnings to average equity (ytd only) | 5.0167% | 2,402 |
| Net charge-offs to loans | 0.0604% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 59.9000% | 981 |
| Efficiency ratio | 65.7910% | 2,806 |
| Assets per employee ($millions) | 4.4834% | 3,250 |
| Cash dividends to net income (ytd only)* | 58.3404% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 908 |
| Loan loss allowance to noncurrent loans | 841.5385% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,320 |
| Noncurrent loans to loans | 0.1943% | 3,760 |
| Net loans and leases to total assets | 30.5834% | 4,959 |
| Net loans and leases to deposits | 34.0631% | 4,997 |
| Net loans and leases to core deposits | 34.0631% | 5,014 |
| Total domestic deposits to total assets | 89.7845% | 401 |
| Equity capital to assets | 9.7453% | 4,157 |
| Core capital (leverage) ratio | 9.4431% | 4,118 |
| Tier 1 risk-based capital ratio | 24.0958% | 820 |
| Total risk-based capital ratio | 25.3471% | 801 |
| Memoranda: | ||
| Average total assets | $106,808,800 | 3,882 |
| Average earning assets | $99,315,200 | 3,883 |
| Average equity | $9,807,200 | 4,267 |
| Average total loans | $33,134,400 | 4,577 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 5,008 |
| Cost of funding earning assets | 0.3374% | 4,700 |
| Net interest margin | 3.0852% | 4,501 |
| Noninterest income to average assets | 0.4177% | 3,216 |
| Noninterest expense to average assets | 2.0385% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2494% | 2,020 |
| Return on assets (ROA) | 1.2306% | 2,168 |
| Pretax return on assets | 1.2306% | 2,881 |
| Return on Equity (ROE) | 13.6132% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.2986% | 2,735 |
| Net charge-offs to loans | -0.0282% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0008% | 3,325 |
| Assets per employee ($millions) | 4.3015% | 3,480 |
| Cash dividends to net income (ytd only)* | 61.0769% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 851 |
| Loan loss allowance to noncurrent loans | 174.4681% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,272 |
| Noncurrent loans to loans | 0.9632% | 1,668 |
| Net loans and leases to total assets | 32.5290% | 5,012 |
| Net loans and leases to deposits | 36.4558% | 5,058 |
| Net loans and leases to core deposits | 36.4558% | 5,076 |
| Total domestic deposits to total assets | 89.2287% | 544 |
| Equity capital to assets | 10.1039% | 3,916 |
| Core capital (leverage) ratio | 9.3977% | 4,279 |
| Tier 1 risk-based capital ratio | 23.5221% | 897 |
| Total risk-based capital ratio | 24.7738% | 876 |
| Memoranda: | ||
| Average total assets | $106,610,750 | 3,923 |
| Average earning assets | $99,180,750 | 3,921 |
| Average equity | $9,637,500 | 4,336 |
| Average total loans | $33,054,250 | 4,639 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 5,096 |
| Cost of funding earning assets | 0.3295% | 4,738 |
| Net interest margin | 3.0396% | 4,618 |
| Noninterest income to average assets | 0.4307% | 3,060 |
| Noninterest expense to average assets | 2.0458% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2104% | 2,111 |
| Return on assets (ROA) | 1.1844% | 2,271 |
| Pretax return on assets | 1.1844% | 2,956 |
| Return on Equity (ROE) | 13.6136% | 1,073 |
| Retained earnings to average equity (ytd only) | 3.0727% | 3,685 |
| Net charge-offs to loans | -0.0306% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8278% | 3,314 |
| Assets per employee ($millions) | 4.4213% | 3,255 |
| Cash dividends to net income (ytd only)* | 77.4295% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 861 |
| Loan loss allowance to noncurrent loans | 219.1571% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,589 |
| Noncurrent loans to loans | 0.7653% | 2,068 |
| Net loans and leases to total assets | 31.5999% | 5,080 |
| Net loans and leases to deposits | 35.1419% | 5,121 |
| Net loans and leases to core deposits | 35.5518% | 5,129 |
| Total domestic deposits to total assets | 89.9209% | 356 |
| Equity capital to assets | 9.4844% | 4,418 |
| Core capital (leverage) ratio | 9.0550% | 4,588 |
| Tier 1 risk-based capital ratio | 22.6979% | 973 |
| Total risk-based capital ratio | 23.9496% | 958 |
| Memoranda: | ||
| Average total assets | $107,735,330 | 3,929 |
| Average earning assets | $100,145,670 | 3,928 |
| Average equity | $9,373,000 | 4,387 |
| Average total loans | $32,687,000 | 4,687 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3234% | 5,162 |
| Cost of funding earning assets | 0.3240% | 4,761 |
| Net interest margin | 2.9994% | 4,751 |
| Noninterest income to average assets | 0.3906% | 3,254 |
| Noninterest expense to average assets | 2.0562% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1313% | 2,346 |
| Return on assets (ROA) | 1.0760% | 2,607 |
| Pretax return on assets | 1.0760% | 3,218 |
| Return on Equity (ROE) | 12.9382% | 1,236 |
| Retained earnings to average equity (ytd only) | -0.3545% | 4,579 |
| Net charge-offs to loans | -0.0500% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5087% | 3,159 |
| Assets per employee ($millions) | 4.5406% | 3,125 |
| Cash dividends to net income (ytd only)* | 102.7397% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 737 |
| Loan loss allowance to noncurrent loans | 205.3957% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 3,596 |
| Noncurrent loans to loans | 0.8646% | 1,911 |
| Net loans and leases to total assets | 28.9812% | 5,164 |
| Net loans and leases to deposits | 31.8781% | 5,196 |
| Net loans and leases to core deposits | 31.8781% | 5,213 |
| Total domestic deposits to total assets | 90.9125% | 189 |
| Equity capital to assets | 8.5791% | 4,939 |
| Core capital (leverage) ratio | 8.7097% | 4,858 |
| Tier 1 risk-based capital ratio | 22.5919% | 981 |
| Total risk-based capital ratio | 23.8435% | 956 |
| Memoranda: | ||
| Average total assets | $108,547,500 | 3,961 |
| Average earning assets | $101,221,500 | 3,955 |
| Average equity | $9,027,500 | 4,463 |
| Average total loans | $31,979,000 | 4,754 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 5,158 |
| Cost of funding earning assets | 0.2689% | 4,716 |
| Net interest margin | 2.9129% | 4,902 |
| Noninterest income to average assets | 0.4141% | 3,354 |
| Noninterest expense to average assets | 2.1389% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0156% | 2,944 |
| Return on assets (ROA) | 1.0146% | 2,932 |
| Pretax return on assets | 1.0146% | 3,553 |
| Return on Equity (ROE) | 13.0015% | 1,352 |
| Retained earnings to average equity (ytd only) | 5.8705% | 2,258 |
| Net charge-offs to loans | -0.1053% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8052% | 2,576 |
| Assets per employee ($millions) | 4.5050% | 3,160 |
| Cash dividends to net income (ytd only)* | 54.8476% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 703 |
| Loan loss allowance to noncurrent loans | 235.2697% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 3,714 |
| Noncurrent loans to loans | 0.7577% | 2,108 |
| Net loans and leases to total assets | 28.8917% | 5,223 |
| Net loans and leases to deposits | 31.5701% | 5,250 |
| Net loans and leases to core deposits | 31.6668% | 5,262 |
| Total domestic deposits to total assets | 91.5160% | 117 |
| Equity capital to assets | 8.0521% | 5,143 |
| Core capital (leverage) ratio | 8.9202% | 4,728 |
| Tier 1 risk-based capital ratio | 22.5354% | 964 |
| Total risk-based capital ratio | 23.7875% | 940 |
| Memoranda: | ||
| Average total assets | $106,738,400 | 3,992 |
| Average earning assets | $100,415,000 | 3,970 |
| Average equity | $8,329,800 | 4,550 |
| Average total loans | $31,351,600 | 4,784 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1373% | 5,228 |
| Cost of funding earning assets | 0.2578% | 4,743 |
| Net interest margin | 2.8795% | 5,002 |
| Noninterest income to average assets | 0.4148% | 3,390 |
| Noninterest expense to average assets | 2.0414% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0890% | 2,714 |
| Return on assets (ROA) | 1.0878% | 2,730 |
| Pretax return on assets | 1.0878% | 3,444 |
| Return on Equity (ROE) | 14.0522% | 1,106 |
| Retained earnings to average equity (ytd only) | 5.5853% | 2,898 |
| Net charge-offs to loans | -0.1579% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2122% | 3,003 |
| Assets per employee ($millions) | 4.4227% | 3,236 |
| Cash dividends to net income (ytd only)* | 60.2540% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 816 |
| Loan loss allowance to noncurrent loans | 602.1053% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,521 |
| Noncurrent loans to loans | 0.2886% | 3,651 |
| Net loans and leases to total assets | 30.4756% | 5,269 |
| Net loans and leases to deposits | 33.2153% | 5,312 |
| Net loans and leases to core deposits | 33.3186% | 5,325 |
| Total domestic deposits to total assets | 91.7518% | 103 |
| Equity capital to assets | 7.6754% | 5,270 |
| Core capital (leverage) ratio | 8.7810% | 4,896 |
| Tier 1 risk-based capital ratio | 21.7276% | 1,083 |
| Total risk-based capital ratio | 22.9789% | 1,068 |
| Memoranda: | ||
| Average total assets | $106,392,750 | 4,033 |
| Average earning assets | $100,339,500 | 4,012 |
| Average equity | $8,235,750 | 4,619 |
| Average total loans | $31,238,250 | 4,837 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0897% | 5,294 |
| Cost of funding earning assets | 0.2513% | 4,739 |
| Net interest margin | 2.8384% | 5,081 |
| Noninterest income to average assets | 0.3963% | 3,515 |
| Noninterest expense to average assets | 2.0192% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0500% | 2,807 |
| Return on assets (ROA) | 1.0500% | 2,802 |
| Pretax return on assets | 1.0500% | 3,518 |
| Return on Equity (ROE) | 13.5264% | 1,198 |
| Retained earnings to average equity (ytd only) | 3.0973% | 4,011 |
| Net charge-offs to loans | -0.2347% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7895% | 3,018 |
| Assets per employee ($millions) | 4.4071% | 3,266 |
| Cash dividends to net income (ytd only)* | 77.1020% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 744 |
| Loan loss allowance to noncurrent loans | 695.1220% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 4,621 |
| Noncurrent loans to loans | 0.2603% | 3,771 |
| Net loans and leases to total assets | 29.2446% | 5,344 |
| Net loans and leases to deposits | 31.8768% | 5,375 |
| Net loans and leases to core deposits | 31.9757% | 5,386 |
| Total domestic deposits to total assets | 91.7425% | 113 |
| Equity capital to assets | 7.6837% | 5,326 |
| Core capital (leverage) ratio | 8.7282% | 4,944 |
| Tier 1 risk-based capital ratio | 21.7498% | 1,071 |
| Total risk-based capital ratio | 23.0009% | 1,047 |
| Memoranda: | ||
| Average total assets | $106,475,670 | 4,073 |
| Average earning assets | $100,267,330 | 4,044 |
| Average equity | $8,265,330 | 4,653 |
| Average total loans | $30,677,670 | 4,907 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0319% | 5,354 |
| Cost of funding earning assets | 0.2464% | 4,735 |
| Net interest margin | 2.7855% | 5,171 |
| Noninterest income to average assets | 0.4006% | 3,464 |
| Noninterest expense to average assets | 1.9358% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0896% | 2,474 |
| Return on assets (ROA) | 1.0896% | 2,490 |
| Pretax return on assets | 1.0896% | 3,209 |
| Return on Equity (ROE) | 13.9660% | 1,021 |
| Retained earnings to average equity (ytd only) | 1.0079% | 4,629 |
| Net charge-offs to loans | -0.0529% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9851% | 3,484 |
| Assets per employee ($millions) | 4.4412% | 3,262 |
| Cash dividends to net income (ytd only)* | 92.7835% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 830 |
| Loan loss allowance to noncurrent loans | 689.7436% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 4,724 |
| Noncurrent loans to loans | 0.2564% | 3,842 |
| Net loans and leases to total assets | 28.0404% | 5,408 |
| Net loans and leases to deposits | 30.5014% | 5,440 |
| Net loans and leases to core deposits | 30.6729% | 5,453 |
| Total domestic deposits to total assets | 91.9316% | 116 |
| Equity capital to assets | 7.5711% | 5,397 |
| Core capital (leverage) ratio | 8.5217% | 5,128 |
| Tier 1 risk-based capital ratio | 21.8090% | 1,082 |
| Total risk-based capital ratio | 23.0591% | 1,059 |
| Memoranda: | ||
| Average total assets | $106,828,500 | 4,110 |
| Average earning assets | $100,663,000 | 4,083 |
| Average equity | $8,334,500 | 4,692 |
| Average total loans | $30,265,500 | 4,970 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1240% | 5,263 |
| Cost of funding earning assets | 0.2465% | 4,598 |
| Net interest margin | 2.8775% | 5,074 |
| Noninterest income to average assets | 0.4399% | 3,374 |
| Noninterest expense to average assets | 2.2541% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8927% | 2,755 |
| Return on assets (ROA) | 0.9016% | 2,733 |
| Pretax return on assets | 0.9016% | 3,923 |
| Return on Equity (ROE) | 10.6150% | 1,630 |
| Retained earnings to average equity (ytd only) | 4.1060% | 2,704 |
| Net charge-offs to loans | 0.0900% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 34.6538% | 1,388 |
| Efficiency ratio | 71.6310% | 2,288 |
| Assets per employee ($millions) | 4.4612% | 3,249 |
| Cash dividends to net income (ytd only)* | 61.3187% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 819 |
| Loan loss allowance to noncurrent loans | 1,335.0000% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 4,949 |
| Noncurrent loans to loans | 0.1329% | 4,399 |
| Net loans and leases to total assets | 27.6189% | 5,480 |
| Net loans and leases to deposits | 30.1733% | 5,513 |
| Net loans and leases to core deposits | 30.3295% | 5,525 |
| Total domestic deposits to total assets | 91.5344% | 134 |
| Equity capital to assets | 8.0313% | 5,383 |
| Core capital (leverage) ratio | 8.5392% | 5,103 |
| Tier 1 risk-based capital ratio | 21.9942% | 1,018 |
| Total risk-based capital ratio | 23.2457% | 1,001 |
| Memoranda: | ||
| Average total assets | $100,928,400 | 4,220 |
| Average earning assets | $94,942,600 | 4,181 |
| Average equity | $8,572,800 | 4,692 |
| Average total loans | $28,889,400 | 5,048 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 5,314 |
| Cost of funding earning assets | 0.2464% | 4,596 |
| Net interest margin | 2.8718% | 5,129 |
| Noninterest income to average assets | 0.4239% | 3,525 |
| Noninterest expense to average assets | 2.1892% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9390% | 2,835 |
| Return on assets (ROA) | 0.9511% | 2,837 |
| Pretax return on assets | 0.9511% | 3,863 |
| Return on Equity (ROE) | 11.0353% | 1,688 |
| Retained earnings to average equity (ytd only) | 3.3464% | 3,938 |
| Net charge-offs to loans | -0.0047% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9828% | 2,541 |
| Assets per employee ($millions) | 4.2175% | 3,614 |
| Cash dividends to net income (ytd only)* | 69.6756% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 911 |
| Loan loss allowance to noncurrent loans | 1,144.8980% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,991 |
| Noncurrent loans to loans | 0.1542% | 4,443 |
| Net loans and leases to total assets | 30.8467% | 5,479 |
| Net loans and leases to deposits | 34.0524% | 5,526 |
| Net loans and leases to core deposits | 34.2410% | 5,549 |
| Total domestic deposits to total assets | 90.5859% | 300 |
| Equity capital to assets | 8.8243% | 5,060 |
| Core capital (leverage) ratio | 8.8074% | 4,957 |
| Tier 1 risk-based capital ratio | 21.3013% | 1,143 |
| Total risk-based capital ratio | 22.5514% | 1,127 |
| Memoranda: | ||
| Average total assets | $99,393,500 | 4,291 |
| Average earning assets | $93,596,000 | 4,246 |
| Average equity | $8,566,250 | 4,739 |
| Average total loans | $28,585,500 | 5,111 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0966% | 5,350 |
| Cost of funding earning assets | 0.2451% | 4,588 |
| Net interest margin | 2.8515% | 5,165 |
| Noninterest income to average assets | 0.4150% | 3,601 |
| Noninterest expense to average assets | 2.2109% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8888% | 2,971 |
| Return on assets (ROA) | 0.9070% | 2,925 |
| Pretax return on assets | 0.9070% | 3,909 |
| Return on Equity (ROE) | 10.6107% | 1,793 |
| Retained earnings to average equity (ytd only) | 1.0895% | 4,809 |
| Net charge-offs to loans | -0.0145% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3259% | 2,467 |
| Assets per employee ($millions) | 4.0572% | 3,863 |
| Cash dividends to net income (ytd only)* | 89.7321% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 658 |
| Loan loss allowance to noncurrent loans | 1,124.0000% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,018 |
| Noncurrent loans to loans | 0.1733% | 4,426 |
| Net loans and leases to total assets | 29.0481% | 5,566 |
| Net loans and leases to deposits | 32.1504% | 5,602 |
| Net loans and leases to core deposits | 32.4511% | 5,619 |
| Total domestic deposits to total assets | 90.3505% | 409 |
| Equity capital to assets | 9.0631% | 4,835 |
| Core capital (leverage) ratio | 8.8232% | 4,925 |
| Tier 1 risk-based capital ratio | 22.3254% | 1,010 |
| Total risk-based capital ratio | 23.5789% | 993 |
| Memoranda: | ||
| Average total assets | $98,784,670 | 4,328 |
| Average earning assets | $93,004,670 | 4,291 |
| Average equity | $8,444,330 | 4,776 |
| Average total loans | $27,519,330 | 5,178 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0370% | 5,428 |
| Cost of funding earning assets | 0.2392% | 4,642 |
| Net interest margin | 2.7978% | 5,240 |
| Noninterest income to average assets | 0.4020% | 3,647 |
| Noninterest expense to average assets | 2.1992% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8363% | 3,053 |
| Return on assets (ROA) | 0.8403% | 3,087 |
| Pretax return on assets | 0.8403% | 3,972 |
| Return on Equity (ROE) | 10.1284% | 1,915 |
| Retained earnings to average equity (ytd only) | -2.9561% | 5,258 |
| Net charge-offs to loans | -0.0149% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4503% | 2,498 |
| Assets per employee ($millions) | 4.1759% | 3,706 |
| Cash dividends to net income (ytd only)* | 129.1866% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 544 |
| Loan loss allowance to noncurrent loans | 1,078.8462% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 5,095 |
| Noncurrent loans to loans | 0.1953% | 4,419 |
| Net loans and leases to total assets | 26.0045% | 5,667 |
| Net loans and leases to deposits | 28.5214% | 5,699 |
| Net loans and leases to core deposits | 28.7781% | 5,709 |
| Total domestic deposits to total assets | 91.1755% | 249 |
| Equity capital to assets | 8.3256% | 5,343 |
| Core capital (leverage) ratio | 8.6185% | 5,135 |
| Tier 1 risk-based capital ratio | 22.7811% | 1,002 |
| Total risk-based capital ratio | 24.0339% | 983 |
| Memoranda: | ||
| Average total assets | $99,490,500 | 4,360 |
| Average earning assets | $93,645,000 | 4,318 |
| Average equity | $8,254,000 | 4,849 |
| Average total loans | $26,855,500 | 5,243 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 4,828 |
| Cost of funding earning assets | 0.2690% | 4,376 |
| Net interest margin | 3.2115% | 4,414 |
| Noninterest income to average assets | 0.4271% | 3,697 |
| Noninterest expense to average assets | 2.5387% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8150% | 3,238 |
| Return on assets (ROA) | 0.8117% | 3,362 |
| Pretax return on assets | 0.8117% | 4,157 |
| Return on Equity (ROE) | 8.6998% | 2,564 |
| Retained earnings to average equity (ytd only) | -2.0786% | 5,544 |
| Net charge-offs to loans | -0.1454% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6985% | 2,029 |
| Assets per employee ($millions) | 4.2939% | 3,444 |
| Cash dividends to net income (ytd only)* | 123.8926% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 579 |
| Loan loss allowance to noncurrent loans | 1,018.1818% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 5,117 |
| Noncurrent loans to loans | 0.2030% | 4,431 |
| Net loans and leases to total assets | 26.8611% | 5,707 |
| Net loans and leases to deposits | 29.4154% | 5,744 |
| Net loans and leases to core deposits | 29.6830% | 5,753 |
| Total domestic deposits to total assets | 91.3163% | 205 |
| Equity capital to assets | 8.2665% | 5,441 |
| Core capital (leverage) ratio | 8.7305% | 5,040 |
| Tier 1 risk-based capital ratio | 22.7630% | 987 |
| Total risk-based capital ratio | 24.0166% | 973 |
| Memoranda: | ||
| Average total assets | $91,778,400 | 4,516 |
| Average earning assets | $83,635,800 | 4,524 |
| Average equity | $8,563,400 | 4,829 |
| Average total loans | $26,131,600 | 5,312 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,581 |
| Cost of funding earning assets | 0.2755% | 4,333 |
| Net interest margin | 3.3147% | 4,140 |
| Noninterest income to average assets | 0.4235% | 3,741 |
| Noninterest expense to average assets | 2.5205% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8959% | 2,924 |
| Return on assets (ROA) | 0.8915% | 3,084 |
| Pretax return on assets | 0.8915% | 4,008 |
| Return on Equity (ROE) | 9.2650% | 2,375 |
| Retained earnings to average equity (ytd only) | -4.9403% | 5,734 |
| Net charge-offs to loans | -0.2163% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7755% | 2,329 |
| Assets per employee ($millions) | 4.0446% | 3,886 |
| Cash dividends to net income (ytd only)* | 153.3221% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 637 |
| Loan loss allowance to noncurrent loans | 1,046.2963% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 5,234 |
| Noncurrent loans to loans | 0.1978% | 4,559 |
| Net loans and leases to total assets | 27.5468% | 5,766 |
| Net loans and leases to deposits | 30.6838% | 5,806 |
| Net loans and leases to core deposits | 30.9727% | 5,818 |
| Total domestic deposits to total assets | 89.7766% | 567 |
| Equity capital to assets | 9.6496% | 4,511 |
| Core capital (leverage) ratio | 8.7261% | 5,130 |
| Tier 1 risk-based capital ratio | 22.6341% | 1,049 |
| Total risk-based capital ratio | 23.8883% | 1,036 |
| Memoranda: | ||
| Average total assets | $90,033,000 | 4,582 |
| Average earning assets | $81,291,250 | 4,598 |
| Average equity | $8,663,250 | 4,860 |
| Average total loans | $25,892,500 | 5,372 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 4,395 |
| Cost of funding earning assets | 0.2836% | 4,308 |
| Net interest margin | 3.3830% | 3,957 |
| Noninterest income to average assets | 0.4265% | 3,682 |
| Noninterest expense to average assets | 2.6435% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8302% | 3,172 |
| Return on assets (ROA) | 0.8302% | 3,309 |
| Pretax return on assets | 0.8302% | 4,190 |
| Return on Equity (ROE) | 8.6372% | 2,675 |
| Retained earnings to average equity (ytd only) | -11.3422% | 5,897 |
| Net charge-offs to loans | 0.0865% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.0909% | 1,319 |
| Efficiency ratio | 76.0998% | 2,064 |
| Assets per employee ($millions) | 4.0583% | 3,802 |
| Cash dividends to net income (ytd only)* | 231.3187% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8925% | 907 |
| Loan loss allowance to noncurrent loans | 948.1481% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 5,340 |
| Noncurrent loans to loans | 0.1996% | 4,643 |
| Net loans and leases to total assets | 27.2508% | 5,841 |
| Net loans and leases to deposits | 30.3309% | 5,879 |
| Net loans and leases to core deposits | 30.6154% | 5,885 |
| Total domestic deposits to total assets | 89.8449% | 545 |
| Equity capital to assets | 9.6151% | 4,650 |
| Core capital (leverage) ratio | 8.7202% | 5,147 |
| Tier 1 risk-based capital ratio | 22.1793% | 1,117 |
| Total risk-based capital ratio | 23.4312% | 1,103 |
| Memoranda: | ||
| Average total assets | $87,687,000 | 4,662 |
| Average earning assets | $78,982,000 | 4,675 |
| Average equity | $8,428,670 | 4,936 |
| Average total loans | $25,421,670 | 5,445 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 3,856 |
| Cost of funding earning assets | 0.2992% | 4,170 |
| Net interest margin | 3.5264% | 3,369 |
| Noninterest income to average assets | 0.4201% | 3,682 |
| Noninterest expense to average assets | 2.9264% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6809% | 3,812 |
| Return on assets (ROA) | 0.6809% | 3,929 |
| Pretax return on assets | 0.6809% | 4,588 |
| Return on Equity (ROE) | 7.0850% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.0850% | 1,849 |
| Net charge-offs to loans | -0.1951% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1245% | 1,471 |
| Assets per employee ($millions) | 3.9723% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0773% | 719 |
| Loan loss allowance to noncurrent loans | 211.4625% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,496 |
| Noncurrent loans to loans | 0.9823% | 2,420 |
| Net loans and leases to total assets | 26.4541% | 5,911 |
| Net loans and leases to deposits | 29.5645% | 5,936 |
| Net loans and leases to core deposits | 29.8483% | 5,947 |
| Total domestic deposits to total assets | 89.4792% | 852 |
| Equity capital to assets | 10.0435% | 4,027 |
| Core capital (leverage) ratio | 9.4836% | 4,223 |
| Tier 1 risk-based capital ratio | 24.2770% | 890 |
| Total risk-based capital ratio | 25.5288% | 874 |
| Memoranda: | ||
| Average total assets | $82,831,000 | 4,790 |
| Average earning assets | $74,864,500 | 4,828 |
| Average equity | $7,960,500 | 5,059 |
| Average total loans | $24,605,500 | 5,528 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 3,974 |
| Cost of funding earning assets | 0.2689% | 4,600 |
| Net interest margin | 3.5533% | 3,311 |
| Noninterest income to average assets | 0.5796% | 2,834 |
| Noninterest expense to average assets | 2.4833% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1667% | 1,680 |
| Return on assets (ROA) | 1.1542% | 1,787 |
| Pretax return on assets | 1.1542% | 2,825 |
| Return on Equity (ROE) | 13.5357% | 941 |
| Retained earnings to average equity (ytd only) | 6.7971% | 1,376 |
| Net charge-offs to loans | -0.2645% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0356% | 3,568 |
| Assets per employee ($millions) | 4.1301% | 3,695 |
| Cash dividends to net income (ytd only)* | 49.7835% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 1,478 |
| Loan loss allowance to noncurrent loans | 441.0714% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 5,051 |
| Noncurrent loans to loans | 0.3737% | 4,105 |
| Net loans and leases to total assets | 35.6819% | 5,722 |
| Net loans and leases to deposits | 39.3848% | 5,793 |
| Net loans and leases to core deposits | 39.6476% | 5,833 |
| Total domestic deposits to total assets | 90.5983% | 406 |
| Equity capital to assets | 8.5906% | 5,481 |
| Core capital (leverage) ratio | 9.0112% | 4,870 |
| Tier 1 risk-based capital ratio | 17.8206% | 2,018 |
| Total risk-based capital ratio | 19.0174% | 1,982 |
| Memoranda: | ||
| Average total assets | $40,027,200 | 5,766 |
| Average earning assets | $34,587,200 | 5,801 |
| Average equity | $3,413,200 | 5,935 |
| Average total loans | $14,364,400 | 5,912 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,301 |
| Cost of funding earning assets | 0.2662% | 4,702 |
| Net interest margin | 3.4722% | 3,653 |
| Noninterest income to average assets | 0.5675% | 2,933 |
| Noninterest expense to average assets | 2.2127% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4203% | 1,061 |
| Return on assets (ROA) | 1.4203% | 1,105 |
| Pretax return on assets | 1.4203% | 1,930 |
| Return on Equity (ROE) | 16.6886% | 504 |
| Retained earnings to average equity (ytd only) | 7.6144% | 1,409 |
| Net charge-offs to loans | -0.3378% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9057% | 4,752 |
| Assets per employee ($millions) | 4.4501% | 3,097 |
| Cash dividends to net income (ytd only)* | 54.3733% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,863 |
| Loan loss allowance to noncurrent loans | 328.0000% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 5,003 |
| Noncurrent loans to loans | 0.4808% | 3,919 |
| Net loans and leases to total assets | 38.3336% | 5,678 |
| Net loans and leases to deposits | 42.5314% | 5,782 |
| Net loans and leases to core deposits | 42.8257% | 5,829 |
| Total domestic deposits to total assets | 90.1301% | 525 |
| Equity capital to assets | 8.8262% | 5,467 |
| Core capital (leverage) ratio | 9.1446% | 4,819 |
| Tier 1 risk-based capital ratio | 17.4560% | 2,202 |
| Total risk-based capital ratio | 18.6363% | 2,173 |
| Memoranda: | ||
| Average total assets | $39,708,750 | 5,846 |
| Average earning assets | $35,058,750 | 5,865 |
| Average equity | $3,379,500 | 6,017 |
| Average total loans | $14,209,500 | 5,994 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,586 |
| Cost of funding earning assets | 0.2748% | 4,674 |
| Net interest margin | 3.3720% | 4,006 |
| Noninterest income to average assets | 0.5758% | 2,875 |
| Noninterest expense to average assets | 2.1518% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3992% | 1,091 |
| Return on assets (ROA) | 1.3992% | 1,127 |
| Pretax return on assets | 1.3992% | 1,982 |
| Return on Equity (ROE) | 16.6483% | 534 |
| Retained earnings to average equity (ytd only) | 6.0102% | 2,239 |
| Net charge-offs to loans | -0.7129% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5974% | 4,896 |
| Assets per employee ($millions) | 4.3360% | 3,236 |
| Cash dividends to net income (ytd only)* | 63.8989% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 1,309 |
| Loan loss allowance to noncurrent loans | 319.7531% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 5,038 |
| Noncurrent loans to loans | 0.5730% | 3,730 |
| Net loans and leases to total assets | 35.5576% | 5,838 |
| Net loans and leases to deposits | 39.2388% | 5,925 |
| Net loans and leases to core deposits | 39.5159% | 5,971 |
| Total domestic deposits to total assets | 90.6186% | 411 |
| Equity capital to assets | 8.3666% | 5,782 |
| Core capital (leverage) ratio | 8.8694% | 5,131 |
| Tier 1 risk-based capital ratio | 18.2968% | 1,985 |
| Total risk-based capital ratio | 19.5458% | 1,947 |
| Memoranda: | ||
| Average total assets | $39,594,670 | 5,908 |
| Average earning assets | $34,935,000 | 5,932 |
| Average equity | $3,327,670 | 6,085 |
| Average total loans | $13,746,330 | 6,071 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,316 |
| Cost of funding earning assets | 0.2734% | 4,747 |
| Net interest margin | 3.4398% | 3,670 |
| Noninterest income to average assets | 0.5316% | 3,079 |
| Noninterest expense to average assets | 2.0361% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5246% | 807 |
| Return on assets (ROA) | 1.5246% | 853 |
| Pretax return on assets | 1.5246% | 1,481 |
| Return on Equity (ROE) | 18.1006% | 378 |
| Retained earnings to average equity (ytd only) | 8.5740% | 1,346 |
| Net charge-offs to loans | -1.2102% | 6,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1831% | 5,423 |
| Assets per employee ($millions) | 4.5014% | 3,056 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 1,418 |
| Loan loss allowance to noncurrent loans | 291.8605% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,100 |
| Noncurrent loans to loans | 0.6289% | 3,701 |
| Net loans and leases to total assets | 33.1326% | 5,960 |
| Net loans and leases to deposits | 36.6128% | 6,038 |
| Net loans and leases to core deposits | 36.8622% | 6,078 |
| Total domestic deposits to total assets | 90.4944% | 530 |
| Equity capital to assets | 8.6219% | 5,638 |
| Core capital (leverage) ratio | 8.6843% | 5,340 |
| Tier 1 risk-based capital ratio | 18.4044% | 2,032 |
| Total risk-based capital ratio | 19.6547% | 1,981 |
| Memoranda: | ||
| Average total assets | $39,880,000 | 5,960 |
| Average earning assets | $35,118,000 | 5,983 |
| Average equity | $3,359,000 | 6,143 |
| Average total loans | $13,552,000 | 6,136 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,437 |
| Cost of funding earning assets | 0.2765% | 5,033 |
| Net interest margin | 3.5409% | 3,634 |
| Noninterest income to average assets | 0.5624% | 3,108 |
| Noninterest expense to average assets | 2.5106% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2312% | 1,491 |
| Return on assets (ROA) | 1.2566% | 1,472 |
| Pretax return on assets | 1.2566% | 2,411 |
| Return on Equity (ROE) | 17.9619% | 399 |
| Retained earnings to average equity (ytd only) | 9.3069% | 640 |
| Net charge-offs to loans | 1.0365% | 285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.4714% | 3,885 |
| Efficiency ratio | 67.0955% | 4,041 |
| Assets per employee ($millions) | 4.3608% | 3,255 |
| Cash dividends to net income (ytd only)* | 48.1855% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 2,218 |
| Loan loss allowance to noncurrent loans | 244.1860% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 5,147 |
| Noncurrent loans to loans | 0.6404% | 3,769 |
| Net loans and leases to total assets | 33.6841% | 6,052 |
| Net loans and leases to deposits | 37.0370% | 6,134 |
| Net loans and leases to core deposits | 37.8298% | 6,154 |
| Total domestic deposits to total assets | 90.9471% | 387 |
| Equity capital to assets | 8.2172% | 5,953 |
| Core capital (leverage) ratio | 8.7904% | 5,252 |
| Tier 1 risk-based capital ratio | 17.5897% | 2,282 |
| Total risk-based capital ratio | 18.6616% | 2,312 |
| Memoranda: | ||
| Average total assets | $39,472,600 | 6,048 |
| Average earning assets | $35,442,800 | 6,052 |
| Average equity | $2,761,400 | 6,313 |
| Average total loans | $13,507,000 | 6,212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 4,772 |
| Cost of funding earning assets | 0.2779% | 5,122 |
| Net interest margin | 3.4519% | 4,015 |
| Noninterest income to average assets | 0.5194% | 3,409 |
| Noninterest expense to average assets | 2.3746% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2446% | 1,542 |
| Return on assets (ROA) | 1.2682% | 1,526 |
| Pretax return on assets | 1.2682% | 2,498 |
| Return on Equity (ROE) | 18.9499% | 351 |
| Retained earnings to average equity (ytd only) | 8.9711% | 1,014 |
| Net charge-offs to loans | 0.1183% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 30.7494% | 1,348 |
| Efficiency ratio | 65.6104% | 4,271 |
| Assets per employee ($millions) | 4.2689% | 3,348 |
| Cash dividends to net income (ytd only)* | 52.6590% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3907% | 747 |
| Loan loss allowance to noncurrent loans | 263.2813% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 4,934 |
| Noncurrent loans to loans | 0.9081% | 3,289 |
| Net loans and leases to total assets | 35.8121% | 6,034 |
| Net loans and leases to deposits | 39.2755% | 6,141 |
| Net loans and leases to core deposits | 40.3667% | 6,168 |
| Total domestic deposits to total assets | 91.1817% | 310 |
| Equity capital to assets | 7.7954% | 6,215 |
| Core capital (leverage) ratio | 8.6865% | 5,456 |
| Tier 1 risk-based capital ratio | 17.1954% | 2,528 |
| Total risk-based capital ratio | 18.4470% | 2,490 |
| Memoranda: | ||
| Average total assets | $39,529,000 | 6,120 |
| Average earning assets | $35,496,000 | 6,124 |
| Average equity | $2,645,500 | 6,399 |
| Average total loans | $13,526,250 | 6,279 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7365% | 4,745 |
| Cost of funding earning assets | 0.2801% | 5,181 |
| Net interest margin | 3.4564% | 3,960 |
| Noninterest income to average assets | 0.4812% | 3,622 |
| Noninterest expense to average assets | 2.4412% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1329% | 1,807 |
| Return on assets (ROA) | 1.1479% | 1,844 |
| Pretax return on assets | 1.1479% | 2,892 |
| Return on Equity (ROE) | 18.1099% | 448 |
| Retained earnings to average equity (ytd only) | 6.8802% | 1,826 |
| Net charge-offs to loans | 0.1950% | 1,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.3846% | 1,738 |
| Efficiency ratio | 68.3029% | 3,946 |
| Assets per employee ($millions) | 4.3343% | 3,204 |
| Cash dividends to net income (ytd only)* | 62.0087% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4309% | 780 |
| Loan loss allowance to noncurrent loans | 156.7442% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 4,338 |
| Noncurrent loans to loans | 1.5509% | 2,235 |
| Net loans and leases to total assets | 34.6740% | 6,123 |
| Net loans and leases to deposits | 37.7948% | 6,234 |
| Net loans and leases to core deposits | 38.8221% | 6,250 |
| Total domestic deposits to total assets | 91.7429% | 208 |
| Equity capital to assets | 7.2855% | 6,393 |
| Core capital (leverage) ratio | 8.5151% | 5,622 |
| Tier 1 risk-based capital ratio | 16.3619% | 2,896 |
| Total risk-based capital ratio | 17.6159% | 2,851 |
| Memoranda: | ||
| Average total assets | $39,898,670 | 6,176 |
| Average earning assets | $35,702,330 | 6,174 |
| Average equity | $2,529,000 | 6,478 |
| Average total loans | $13,336,330 | 6,344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 5,118 |
| Cost of funding earning assets | 0.2885% | 5,189 |
| Net interest margin | 3.3294% | 4,428 |
| Noninterest income to average assets | 0.4759% | 3,592 |
| Noninterest expense to average assets | 2.3597% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0906% | 1,849 |
| Return on assets (ROA) | 1.0906% | 1,913 |
| Pretax return on assets | 1.0906% | 2,955 |
| Return on Equity (ROE) | 18.5458% | 393 |
| Retained earnings to average equity (ytd only) | 5.0580% | 3,088 |
| Net charge-offs to loans | -0.0306% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3908% | 4,115 |
| Assets per employee ($millions) | 4.1563% | 3,615 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6785% | 649 |
| Loan loss allowance to noncurrent loans | 253.6232% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 5,152 |
| Noncurrent loans to loans | 1.0561% | 3,311 |
| Net loans and leases to total assets | 30.5969% | 6,325 |
| Net loans and leases to deposits | 32.8613% | 6,406 |
| Net loans and leases to core deposits | 34.1378% | 6,408 |
| Total domestic deposits to total assets | 93.1093% | 103 |
| Equity capital to assets | 6.0847% | 6,564 |
| Core capital (leverage) ratio | 8.2577% | 5,887 |
| Tier 1 risk-based capital ratio | 15.4804% | 3,445 |
| Total risk-based capital ratio | 16.7260% | 3,412 |
| Memoranda: | ||
| Average total assets | $40,343,500 | 6,224 |
| Average earning assets | $36,042,500 | 6,234 |
| Average equity | $2,372,500 | 6,558 |
| Average total loans | $13,073,000 | 6,419 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 3,804 |
| Cost of funding earning assets | 0.3392% | 5,250 |
| Net interest margin | 3.7436% | 2,882 |
| Noninterest income to average assets | 0.5093% | 3,694 |
| Noninterest expense to average assets | 2.7997% | 3,723 |
| Loan and lease loss provision to assets | 0.0377% | 4,362 |
| Net operating income to assets | 0.9728% | 2,456 |
| Return on assets (ROA) | 0.9997% | 2,389 |
| Pretax return on assets | 0.9997% | 3,345 |
| Return on Equity (ROE) | 13.8072% | 993 |
| Retained earnings to average equity (ytd only) | 7.3316% | 1,301 |
| Net charge-offs to loans | 0.0662% | 4,286 |
| Credit loss provision to net charge-offs | 175.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 46.8750% | 835 |
| Efficiency ratio | 73.4795% | 3,221 |
| Assets per employee ($millions) | 3.9124% | 4,044 |
| Cash dividends to net income (ytd only)* | 46.9003% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6684% | 683 |
| Loan loss allowance to noncurrent loans | 775.5556% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,986 |
| Noncurrent loans to loans | 0.3441% | 5,152 |
| Net loans and leases to total assets | 32.5376% | 6,361 |
| Net loans and leases to deposits | 34.7681% | 6,467 |
| Net loans and leases to core deposits | 36.8260% | 6,446 |
| Total domestic deposits to total assets | 93.5845% | 95 |
| Equity capital to assets | 5.6640% | 6,645 |
| Core capital (leverage) ratio | 8.3776% | 5,806 |
| Tier 1 risk-based capital ratio | 16.4764% | 2,868 |
| Total risk-based capital ratio | 17.7009% | 2,840 |
| Memoranda: | ||
| Average total assets | $37,110,800 | 6,361 |
| Average earning assets | $32,722,400 | 6,385 |
| Average equity | $2,687,000 | 6,591 |
| Average total loans | $12,093,200 | 6,515 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,939 |
| Cost of funding earning assets | 0.3624% | 5,170 |
| Net interest margin | 3.6867% | 3,081 |
| Noninterest income to average assets | 0.5063% | 3,762 |
| Noninterest expense to average assets | 2.5932% | 4,415 |
| Loan and lease loss provision to assets | 0.0473% | 4,072 |
| Net operating income to assets | 1.0890% | 2,043 |
| Return on assets (ROA) | 1.1254% | 1,973 |
| Pretax return on assets | 1.1254% | 2,999 |
| Return on Equity (ROE) | 14.6890% | 858 |
| Retained earnings to average equity (ytd only) | 6.9404% | 1,909 |
| Net charge-offs to loans | 0.0901% | 3,670 |
| Credit loss provision to net charge-offs | 162.5000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 38.9869% | 1,026 |
| Efficiency ratio | 69.5313% | 3,828 |
| Assets per employee ($millions) | 3.7388% | 4,374 |
| Cash dividends to net income (ytd only)* | 52.7513% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8457% | 647 |
| Loan loss allowance to noncurrent loans | 710.2041% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 5,608 |
| Noncurrent loans to loans | 0.4007% | 5,191 |
| Net loans and leases to total assets | 31.7776% | 6,461 |
| Net loans and leases to deposits | 34.3213% | 6,561 |
| Net loans and leases to core deposits | 35.9257% | 6,561 |
| Total domestic deposits to total assets | 92.5885% | 167 |
| Equity capital to assets | 6.4566% | 6,648 |
| Core capital (leverage) ratio | 8.2889% | 5,981 |
| Tier 1 risk-based capital ratio | 16.7772% | 2,823 |
| Total risk-based capital ratio | 18.0336% | 2,768 |
| Memoranda: | ||
| Average total assets | $36,607,500 | 6,442 |
| Average earning assets | $32,005,750 | 6,468 |
| Average equity | $2,804,750 | 6,644 |
| Average total loans | $11,846,750 | 6,593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 4,024 |
| Cost of funding earning assets | 0.3485% | 5,419 |
| Net interest margin | 3.6746% | 3,066 |
| Noninterest income to average assets | 0.5117% | 3,759 |
| Noninterest expense to average assets | 2.6632% | 4,169 |
| Loan and lease loss provision to assets | 0.0550% | 3,903 |
| Net operating income to assets | 0.9849% | 2,393 |
| Return on assets (ROA) | 1.0400% | 2,276 |
| Pretax return on assets | 1.0400% | 3,332 |
| Return on Equity (ROE) | 12.8790% | 1,269 |
| Retained earnings to average equity (ytd only) | 4.4293% | 3,456 |
| Net charge-offs to loans | 0.1024% | 3,339 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,110 |
| Efficiency ratio | 71.9168% | 3,488 |
| Assets per employee ($millions) | 3.7063% | 4,388 |
| Cash dividends to net income (ytd only)* | 65.6085% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9804% | 593 |
| Loan loss allowance to noncurrent loans | 480.5556% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 5,250 |
| Noncurrent loans to loans | 0.6202% | 4,709 |
| Net loans and leases to total assets | 30.3888% | 6,564 |
| Net loans and leases to deposits | 34.0766% | 6,606 |
| Net loans and leases to core deposits | 34.6490% | 6,632 |
| Total domestic deposits to total assets | 89.1779% | 1,520 |
| Equity capital to assets | 6.6778% | 6,657 |
| Core capital (leverage) ratio | 8.3107% | 5,876 |
| Tier 1 risk-based capital ratio | 16.8886% | 2,751 |
| Total risk-based capital ratio | 18.1482% | 2,720 |
| Memoranda: | ||
| Average total assets | $36,347,330 | 6,498 |
| Average earning assets | $31,568,000 | 6,527 |
| Average equity | $2,935,000 | 6,671 |
| Average total loans | $11,719,330 | 6,641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 5,023 |
| Cost of funding earning assets | 0.4025% | 5,078 |
| Net interest margin | 3.3368% | 4,370 |
| Noninterest income to average assets | 0.4890% | 3,852 |
| Noninterest expense to average assets | 2.2451% | 5,576 |
| Loan and lease loss provision to assets | 0.0667% | 3,522 |
| Net operating income to assets | 1.0336% | 2,095 |
| Return on assets (ROA) | 1.0336% | 2,206 |
| Pretax return on assets | 1.0336% | 3,211 |
| Return on Equity (ROE) | 11.7536% | 1,483 |
| Retained earnings to average equity (ytd only) | 1.6430% | 5,157 |
| Net charge-offs to loans | -0.0340% | 5,958 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1096% | 4,473 |
| Assets per employee ($millions) | 3.6781% | 4,607 |
| Cash dividends to net income (ytd only)* | 86.0215% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1167% | 588 |
| Loan loss allowance to noncurrent loans | 284.5528% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 5,013 |
| Noncurrent loans to loans | 1.0953% | 3,951 |
| Net loans and leases to total assets | 29.5805% | 6,619 |
| Net loans and leases to deposits | 32.6315% | 6,673 |
| Net loans and leases to core deposits | 33.2752% | 6,690 |
| Total domestic deposits to total assets | 90.6501% | 695 |
| Equity capital to assets | 8.5560% | 5,958 |
| Core capital (leverage) ratio | 8.3941% | 5,719 |
| Tier 1 risk-based capital ratio | 12.0051% | 5,910 |
| Total risk-based capital ratio | 13.2556% | 5,869 |
| Memoranda: | ||
| Average total assets | $35,989,500 | 6,570 |
| Average earning assets | $30,807,500 | 6,605 |
| Average equity | $3,165,000 | 6,685 |
| Average total loans | $11,774,500 | 6,708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 2,978 |
| Cost of funding earning assets | 0.4557% | 5,538 |
| Net interest margin | 4.1494% | 1,821 |
| Noninterest income to average assets | 0.5617% | 3,502 |
| Noninterest expense to average assets | 3.0558% | 3,072 |
| Loan and lease loss provision to assets | 0.1765% | 3,419 |
| Net operating income to assets | 0.8911% | 2,858 |
| Return on assets (ROA) | 0.9000% | 3,056 |
| Pretax return on assets | 0.9000% | 3,922 |
| Return on Equity (ROE) | 9.8716% | 2,223 |
| Retained earnings to average equity (ytd only) | 5.0326% | 2,680 |
| Net charge-offs to loans | 0.1320% | 4,352 |
| Credit loss provision to net charge-offs | 352.9412% | 691 |
| Earnings coverage of net charge-offs (x) | 21.3529% | 1,306 |
| Efficiency ratio | 74.1084% | 3,049 |
| Assets per employee ($millions) | 3.5198% | 4,973 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7843% | 832 |
| Loan loss allowance to noncurrent loans | 389.7727% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 5,277 |
| Noncurrent loans to loans | 0.7143% | 4,755 |
| Net loans and leases to total assets | 34.0247% | 6,544 |
| Net loans and leases to deposits | 39.3094% | 6,583 |
| Net loans and leases to core deposits | 40.1596% | 6,611 |
| Total domestic deposits to total assets | 86.5561% | 3,072 |
| Equity capital to assets | 9.0431% | 5,475 |
| Core capital (leverage) ratio | 8.4596% | 5,682 |
| Tier 1 risk-based capital ratio | 12.5825% | 5,413 |
| Total risk-based capital ratio | 13.8357% | 5,358 |
| Memoranda: | ||
| Average total assets | $34,001,200 | 6,656 |
| Average earning assets | $29,185,000 | 6,687 |
| Average equity | $3,099,800 | 6,766 |
| Average total loans | $12,883,000 | 6,744 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 2,920 |
| Cost of funding earning assets | 0.4690% | 5,651 |
| Net interest margin | 4.2028% | 1,729 |
| Noninterest income to average assets | 0.5578% | 3,554 |
| Noninterest expense to average assets | 2.8682% | 3,722 |
| Loan and lease loss provision to assets | 0.1780% | 3,358 |
| Net operating income to assets | 1.0919% | 2,122 |
| Return on assets (ROA) | 1.1038% | 2,268 |
| Pretax return on assets | 1.1038% | 3,344 |
| Return on Equity (ROE) | 12.0815% | 1,606 |
| Retained earnings to average equity (ytd only) | 5.5427% | 3,011 |
| Net charge-offs to loans | -0.0205% | 6,504 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3117% | 3,809 |
| Assets per employee ($millions) | 3.3857% | 5,245 |
| Cash dividends to net income (ytd only)* | 54.1224% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5807% | 1,101 |
| Loan loss allowance to noncurrent loans | 262.8788% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 4,797 |
| Noncurrent loans to loans | 0.9817% | 4,479 |
| Net loans and leases to total assets | 38.6892% | 6,377 |
| Net loans and leases to deposits | 43.2039% | 6,540 |
| Net loans and leases to core deposits | 43.9962% | 6,597 |
| Total domestic deposits to total assets | 89.5502% | 1,095 |
| Equity capital to assets | 9.4751% | 5,236 |
| Core capital (leverage) ratio | 8.6297% | 5,581 |
| Tier 1 risk-based capital ratio | 12.4528% | 5,676 |
| Total risk-based capital ratio | 13.7043% | 5,643 |
| Memoranda: | ||
| Average total assets | $33,702,000 | 6,743 |
| Average earning assets | $28,710,250 | 6,784 |
| Average equity | $3,079,000 | 6,858 |
| Average total loans | $13,024,000 | 6,829 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 2,973 |
| Cost of funding earning assets | 0.4363% | 6,059 |
| Net interest margin | 4.2500% | 1,601 |
| Noninterest income to average assets | 0.5943% | 3,285 |
| Noninterest expense to average assets | 2.9539% | 3,429 |
| Loan and lease loss provision to assets | 0.1783% | 3,313 |
| Net operating income to assets | 1.0520% | 2,237 |
| Return on assets (ROA) | 1.0698% | 2,388 |
| Pretax return on assets | 1.0698% | 3,421 |
| Return on Equity (ROE) | 11.8577% | 1,714 |
| Retained earnings to average equity (ytd only) | 3.7549% | 4,108 |
| Net charge-offs to loans | -0.0155% | 6,377 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5966% | 3,674 |
| Assets per employee ($millions) | 3.3599% | 5,303 |
| Cash dividends to net income (ytd only)* | 68.3333% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 1,330 |
| Loan loss allowance to noncurrent loans | 205.5901% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 4,675 |
| Noncurrent loans to loans | 1.1995% | 4,153 |
| Net loans and leases to total assets | 38.9625% | 6,409 |
| Net loans and leases to deposits | 43.3577% | 6,584 |
| Net loans and leases to core deposits | 44.1562% | 6,657 |
| Total domestic deposits to total assets | 89.8628% | 1,007 |
| Equity capital to assets | 9.2652% | 5,370 |
| Core capital (leverage) ratio | 8.6544% | 5,443 |
| Tier 1 risk-based capital ratio | 11.5831% | 6,177 |
| Total risk-based capital ratio | 12.8323% | 6,155 |
| Memoranda: | ||
| Average total assets | $33,650,330 | 6,794 |
| Average earning assets | $28,423,670 | 6,837 |
| Average equity | $3,036,000 | 6,906 |
| Average total loans | $12,883,330 | 6,890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 3,515 |
| Cost of funding earning assets | 0.5030% | 5,794 |
| Net interest margin | 4.0942% | 2,114 |
| Noninterest income to average assets | 0.6058% | 3,193 |
| Noninterest expense to average assets | 2.7675% | 4,169 |
| Loan and lease loss provision to assets | 0.1782% | 3,186 |
| Net operating income to assets | 1.1403% | 1,918 |
| Return on assets (ROA) | 1.1403% | 2,105 |
| Pretax return on assets | 1.1403% | 3,160 |
| Return on Equity (ROE) | 12.8107% | 1,458 |
| Retained earnings to average equity (ytd only) | 2.1351% | 5,195 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7326% | 4,222 |
| Assets per employee ($millions) | 3.3261% | 5,503 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5432% | 1,295 |
| Loan loss allowance to noncurrent loans | 102.9412% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 3,959 |
| Noncurrent loans to loans | 2.4705% | 2,637 |
| Net loans and leases to total assets | 36.2918% | 6,603 |
| Net loans and leases to deposits | 40.1898% | 6,727 |
| Net loans and leases to core deposits | 40.8646% | 6,788 |
| Total domestic deposits to total assets | 90.3010% | 913 |
| Equity capital to assets | 8.9414% | 5,583 |
| Core capital (leverage) ratio | 8.4609% | 5,656 |
| Tier 1 risk-based capital ratio | 12.4400% | 5,653 |
| Total risk-based capital ratio | 13.6919% | 5,619 |
| Memoranda: | ||
| Average total assets | $33,676,000 | 6,845 |
| Average earning assets | $28,626,000 | 6,891 |
| Average equity | $2,997,500 | 6,963 |
| Average total loans | $12,614,000 | 6,953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 2,366 |
| Cost of funding earning assets | 0.6434% | 5,862 |
| Net interest margin | 4.4778% | 1,186 |
| Noninterest income to average assets | 0.5744% | 3,338 |
| Noninterest expense to average assets | 3.2435% | 2,711 |
| Loan and lease loss provision to assets | 0.1873% | 4,314 |
| Net operating income to assets | 0.8803% | 2,688 |
| Return on assets (ROA) | 0.9053% | 2,706 |
| Pretax return on assets | 0.9053% | 3,592 |
| Return on Equity (ROE) | 10.2286% | 1,980 |
| Retained earnings to average equity (ytd only) | 6.0666% | 1,984 |
| Net charge-offs to loans | 0.6221% | 2,591 |
| Credit loss provision to net charge-offs | 73.1707% | 4,729 |
| Earnings coverage of net charge-offs (x) | 4.1707% | 3,238 |
| Efficiency ratio | 75.2353% | 3,021 |
| Assets per employee ($millions) | 3.4091% | 5,223 |
| Cash dividends to net income (ytd only)* | 40.6897% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3361% | 1,565 |
| Loan loss allowance to noncurrent loans | 106.3830% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 4,238 |
| Noncurrent loans to loans | 2.1959% | 2,953 |
| Net loans and leases to total assets | 36.7898% | 6,718 |
| Net loans and leases to deposits | 40.6640% | 6,842 |
| Net loans and leases to core deposits | 41.8807% | 6,888 |
| Total domestic deposits to total assets | 90.4726% | 737 |
| Equity capital to assets | 8.8616% | 5,718 |
| Core capital (leverage) ratio | 8.2108% | 5,978 |
| Tier 1 risk-based capital ratio | 11.8646% | 5,925 |
| Total risk-based capital ratio | 13.1155% | 5,906 |
| Memoranda: | ||
| Average total assets | $32,033,000 | 6,919 |
| Average earning assets | $26,731,800 | 6,967 |
| Average equity | $2,835,200 | 7,047 |
| Average total loans | $13,181,600 | 6,979 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 2,239 |
| Cost of funding earning assets | 0.6837% | 5,859 |
| Net interest margin | 4.5073% | 1,131 |
| Noninterest income to average assets | 0.5668% | 3,394 |
| Noninterest expense to average assets | 3.1134% | 3,109 |
| Loan and lease loss provision to assets | 0.1904% | 4,124 |
| Net operating income to assets | 1.0279% | 2,220 |
| Return on assets (ROA) | 1.0279% | 2,386 |
| Pretax return on assets | 1.0279% | 3,297 |
| Return on Equity (ROE) | 11.6177% | 1,642 |
| Retained earnings to average equity (ytd only) | 5.9762% | 2,572 |
| Net charge-offs to loans | 0.3618% | 3,280 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 7.9998% | 2,262 |
| Efficiency ratio | 71.8750% | 3,574 |
| Assets per employee ($millions) | 3.3746% | 5,313 |
| Cash dividends to net income (ytd only)* | 48.5601% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5325% | 1,348 |
| Loan loss allowance to noncurrent loans | 120.3636% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,600 |
| Noncurrent loans to loans | 2.1041% | 3,238 |
| Net loans and leases to total assets | 37.7497% | 6,785 |
| Net loans and leases to deposits | 41.8330% | 6,917 |
| Net loans and leases to core deposits | 43.1012% | 6,947 |
| Total domestic deposits to total assets | 90.2388% | 752 |
| Equity capital to assets | 8.8781% | 5,884 |
| Core capital (leverage) ratio | 8.5178% | 5,685 |
| Tier 1 risk-based capital ratio | 11.4494% | 6,270 |
| Total risk-based capital ratio | 12.7011% | 6,265 |
| Memoranda: | ||
| Average total assets | $31,518,500 | 6,996 |
| Average earning assets | $26,327,000 | 7,049 |
| Average equity | $2,788,750 | 7,126 |
| Average total loans | $13,266,500 | 7,049 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 2,275 |
| Cost of funding earning assets | 0.7193% | 5,837 |
| Net interest margin | 4.4762% | 1,188 |
| Noninterest income to average assets | 0.5914% | 3,190 |
| Noninterest expense to average assets | 3.2428% | 2,754 |
| Loan and lease loss provision to assets | 0.1950% | 3,981 |
| Net operating income to assets | 0.9553% | 2,415 |
| Return on assets (ROA) | 1.0073% | 2,296 |
| Pretax return on assets | 1.0073% | 3,213 |
| Return on Equity (ROE) | 11.3984% | 1,672 |
| Retained earnings to average equity (ytd only) | 4.2652% | 3,479 |
| Net charge-offs to loans | 0.1950% | 3,985 |
| Credit loss provision to net charge-offs | 230.7692% | 1,303 |
| Earnings coverage of net charge-offs (x) | 13.6154% | 1,534 |
| Efficiency ratio | 73.8166% | 3,391 |
| Assets per employee ($millions) | 3.0416% | 5,990 |
| Cash dividends to net income (ytd only)* | 62.5806% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5529% | 1,363 |
| Loan loss allowance to noncurrent loans | 97.1347% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 4,593 |
| Noncurrent loans to loans | 2.6282% | 2,754 |
| Net loans and leases to total assets | 42.5434% | 6,560 |
| Net loans and leases to deposits | 47.4619% | 6,759 |
| Net loans and leases to core deposits | 49.2596% | 6,797 |
| Total domestic deposits to total assets | 89.6370% | 1,165 |
| Equity capital to assets | 9.4555% | 4,880 |
| Core capital (leverage) ratio | 8.8723% | 4,925 |
| Tier 1 risk-based capital ratio | 12.1884% | 5,621 |
| Total risk-based capital ratio | 13.4238% | 5,620 |
| Memoranda: | ||
| Average total assets | $30,776,000 | 7,084 |
| Average earning assets | $26,138,000 | 7,121 |
| Average equity | $2,719,670 | 7,199 |
| Average total loans | $13,332,000 | 7,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 2,781 |
| Cost of funding earning assets | 0.7070% | 6,095 |
| Net interest margin | 4.3622% | 1,387 |
| Noninterest income to average assets | 0.5815% | 3,298 |
| Noninterest expense to average assets | 3.1787% | 2,967 |
| Loan and lease loss provision to assets | 0.1938% | 3,691 |
| Net operating income to assets | 0.9562% | 2,329 |
| Return on assets (ROA) | 0.9820% | 2,298 |
| Pretax return on assets | 0.9820% | 3,197 |
| Return on Equity (ROE) | 11.5086% | 1,595 |
| Retained earnings to average equity (ytd only) | 2.4229% | 4,696 |
| Net charge-offs to loans | 0.0599% | 4,330 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 628 |
| Efficiency ratio | 73.4328% | 3,615 |
| Assets per employee ($millions) | 3.1251% | 5,886 |
| Cash dividends to net income (ytd only)* | 78.9474% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 1,412 |
| Loan loss allowance to noncurrent loans | 93.8375% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 4,652 |
| Noncurrent loans to loans | 2.7023% | 2,792 |
| Net loans and leases to total assets | 41.2019% | 6,693 |
| Net loans and leases to deposits | 45.4004% | 6,892 |
| Net loans and leases to core deposits | 47.0511% | 6,922 |
| Total domestic deposits to total assets | 90.7523% | 741 |
| Equity capital to assets | 8.5085% | 5,894 |
| Core capital (leverage) ratio | 8.5886% | 5,284 |
| Tier 1 risk-based capital ratio | 12.0401% | 5,652 |
| Total risk-based capital ratio | 13.2935% | 5,643 |
| Memoranda: | ||
| Average total assets | $30,956,000 | 7,124 |
| Average earning assets | $26,592,000 | 7,157 |
| Average equity | $2,641,500 | 7,257 |
| Average total loans | $13,358,500 | 7,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 1,905 |
| Cost of funding earning assets | 0.9791% | 5,788 |
| Net interest margin | 4.6171% | 977 |
| Noninterest income to average assets | 0.6921% | 2,885 |
| Noninterest expense to average assets | 3.5198% | 2,122 |
| Loan and lease loss provision to assets | 0.2609% | 4,704 |
| Net operating income to assets | 0.8313% | 2,665 |
| Return on assets (ROA) | 0.8347% | 2,793 |
| Pretax return on assets | 0.8347% | 3,521 |
| Return on Equity (ROE) | 8.9935% | 2,290 |
| Retained earnings to average equity (ytd only) | 5.0214% | 2,394 |
| Net charge-offs to loans | 0.5839% | 3,289 |
| Credit loss provision to net charge-offs | 97.4026% | 4,761 |
| Earnings coverage of net charge-offs (x) | 4.0779% | 3,077 |
| Efficiency ratio | 76.3198% | 3,001 |
| Assets per employee ($millions) | 3.0661% | 5,958 |
| Cash dividends to net income (ytd only)* | 44.1667% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,564 |
| Loan loss allowance to noncurrent loans | 85.6383% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 4,565 |
| Noncurrent loans to loans | 2.7839% | 2,737 |
| Net loans and leases to total assets | 42.9992% | 6,793 |
| Net loans and leases to deposits | 47.3427% | 6,982 |
| Net loans and leases to core deposits | 49.0969% | 7,018 |
| Total domestic deposits to total assets | 90.8255% | 680 |
| Equity capital to assets | 8.5581% | 5,783 |
| Core capital (leverage) ratio | 8.4625% | 5,431 |
| Tier 1 risk-based capital ratio | 12.3129% | 5,192 |
| Total risk-based capital ratio | 13.5650% | 5,160 |
| Memoranda: | ||
| Average total assets | $28,751,600 | 7,250 |
| Average earning assets | $24,409,000 | 7,273 |
| Average equity | $2,668,600 | 7,359 |
| Average total loans | $13,187,000 | 7,244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7049% | 1,693 |
| Cost of funding earning assets | 1.0515% | 5,693 |
| Net interest margin | 4.6534% | 937 |
| Noninterest income to average assets | 0.6366% | 3,212 |
| Noninterest expense to average assets | 3.3009% | 2,569 |
| Loan and lease loss provision to assets | 0.2122% | 4,944 |
| Net operating income to assets | 1.0469% | 2,081 |
| Return on assets (ROA) | 1.0516% | 2,172 |
| Pretax return on assets | 1.0516% | 2,991 |
| Return on Equity (ROE) | 11.0954% | 1,760 |
| Retained earnings to average equity (ytd only) | 5.8214% | 2,468 |
| Net charge-offs to loans | 0.2848% | 4,237 |
| Credit loss provision to net charge-offs | 160.7143% | 2,355 |
| Earnings coverage of net charge-offs (x) | 9.5363% | 2,008 |
| Efficiency ratio | 72.3888% | 3,630 |
| Assets per employee ($millions) | 2.8910% | 6,394 |
| Cash dividends to net income (ytd only)* | 47.5330% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4960% | 1,332 |
| Loan loss allowance to noncurrent loans | 71.6387% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6465% | 3,973 |
| Noncurrent loans to loans | 3.4841% | 2,279 |
| Net loans and leases to total assets | 46.0775% | 6,685 |
| Net loans and leases to deposits | 51.6438% | 6,904 |
| Net loans and leases to core deposits | 53.7159% | 6,971 |
| Total domestic deposits to total assets | 89.2217% | 1,276 |
| Equity capital to assets | 9.8720% | 4,328 |
| Core capital (leverage) ratio | 8.9164% | 4,823 |
| Tier 1 risk-based capital ratio | 12.9216% | 4,639 |
| Total risk-based capital ratio | 14.1762% | 4,617 |
| Memoranda: | ||
| Average total assets | $28,274,250 | 7,352 |
| Average earning assets | $23,838,500 | 7,384 |
| Average equity | $2,679,750 | 7,453 |
| Average total loans | $13,107,250 | 7,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 1,502 |
| Cost of funding earning assets | 1.0879% | 5,745 |
| Net interest margin | 4.6857% | 834 |
| Noninterest income to average assets | 0.6272% | 3,149 |
| Noninterest expense to average assets | 3.3497% | 2,409 |
| Loan and lease loss provision to assets | 0.2138% | 4,750 |
| Net operating income to assets | 0.9621% | 2,322 |
| Return on assets (ROA) | 0.9621% | 2,409 |
| Pretax return on assets | 0.9621% | 3,267 |
| Return on Equity (ROE) | 10.2988% | 1,993 |
| Retained earnings to average equity (ytd only) | 4.0432% | 3,508 |
| Net charge-offs to loans | 0.1702% | 4,594 |
| Credit loss provision to net charge-offs | 272.7273% | 1,371 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,481 |
| Efficiency ratio | 74.0157% | 3,472 |
| Assets per employee ($millions) | 2.8421% | 6,475 |
| Cash dividends to net income (ytd only)* | 60.7407% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5795% | 1,218 |
| Loan loss allowance to noncurrent loans | 77.6018% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5552% | 4,128 |
| Noncurrent loans to loans | 3.3241% | 2,405 |
| Net loans and leases to total assets | 45.5790% | 6,801 |
| Net loans and leases to deposits | 50.9038% | 7,031 |
| Net loans and leases to core deposits | 52.9751% | 7,087 |
| Total domestic deposits to total assets | 89.5394% | 1,153 |
| Equity capital to assets | 9.6232% | 4,511 |
| Core capital (leverage) ratio | 9.1882% | 4,315 |
| Tier 1 risk-based capital ratio | 12.7109% | 4,681 |
| Total risk-based capital ratio | 13.9653% | 4,649 |
| Memoranda: | ||
| Average total assets | $28,062,330 | 7,414 |
| Average earning assets | $23,347,670 | 7,460 |
| Average equity | $2,621,670 | 7,521 |
| Average total loans | $12,922,330 | 7,405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8252% | 1,388 |
| Cost of funding earning assets | 1.1754% | 5,531 |
| Net interest margin | 4.6498% | 867 |
| Noninterest income to average assets | 0.6312% | 3,072 |
| Noninterest expense to average assets | 3.2708% | 2,630 |
| Loan and lease loss provision to assets | 0.2152% | 4,358 |
| Net operating income to assets | 1.0042% | 2,164 |
| Return on assets (ROA) | 1.0042% | 2,231 |
| Pretax return on assets | 1.0042% | 3,083 |
| Return on Equity (ROE) | 10.9162% | 1,807 |
| Retained earnings to average equity (ytd only) | 3.1189% | 4,273 |
| Net charge-offs to loans | 0.0314% | 5,132 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 375 |
| Efficiency ratio | 72.8435% | 3,787 |
| Assets per employee ($millions) | 2.7953% | 6,654 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6460% | 1,131 |
| Loan loss allowance to noncurrent loans | 107.6433% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 4,911 |
| Noncurrent loans to loans | 2.4581% | 3,212 |
| Net loans and leases to total assets | 44.4890% | 6,954 |
| Net loans and leases to deposits | 49.4277% | 7,156 |
| Net loans and leases to core deposits | 50.6249% | 7,259 |
| Total domestic deposits to total assets | 90.0082% | 980 |
| Equity capital to assets | 9.2799% | 4,864 |
| Core capital (leverage) ratio | 8.9273% | 4,683 |
| Tier 1 risk-based capital ratio | 12.8794% | 4,417 |
| Total risk-based capital ratio | 14.1270% | 4,396 |
| Memoranda: | ||
| Average total assets | $27,883,000 | 7,509 |
| Average earning assets | $23,141,000 | 7,562 |
| Average equity | $2,565,000 | 7,611 |
| Average total loans | $12,735,000 | 7,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2524% | 1,114 |
| Cost of funding earning assets | 1.3985% | 5,940 |
| Net interest margin | 4.8539% | 614 |
| Noninterest income to average assets | 0.7433% | 2,717 |
| Noninterest expense to average assets | 3.5498% | 2,272 |
| Loan and lease loss provision to assets | 0.4286% | 4,259 |
| Net operating income to assets | 0.8192% | 2,457 |
| Return on assets (ROA) | 0.8647% | 2,365 |
| Pretax return on assets | 0.8647% | 3,034 |
| Return on Equity (ROE) | 9.1142% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.1573% | 2,308 |
| Net charge-offs to loans | 0.2441% | 5,094 |
| Credit loss provision to net charge-offs | 353.1250% | 913 |
| Earnings coverage of net charge-offs (x) | 10.2813% | 1,700 |
| Efficiency ratio | 73.9921% | 3,896 |
| Assets per employee ($millions) | 2.7813% | 6,691 |
| Cash dividends to net income (ytd only)* | 54.3860% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5520% | 1,167 |
| Loan loss allowance to noncurrent loans | 261.2903% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 6,343 |
| Noncurrent loans to loans | 0.9767% | 5,367 |
| Net loans and leases to total assets | 44.4828% | 7,083 |
| Net loans and leases to deposits | 49.2712% | 7,300 |
| Net loans and leases to core deposits | 53.9343% | 7,468 |
| Total domestic deposits to total assets | 90.2815% | 848 |
| Equity capital to assets | 9.1180% | 4,960 |
| Core capital (leverage) ratio | 9.0522% | 4,339 |
| Tier 1 risk-based capital ratio | 12.1087% | 4,842 |
| Total risk-based capital ratio | 13.3627% | 4,807 |
| Memoranda: | ||
| Average total assets | $26,367,800 | 7,600 |
| Average earning assets | $22,023,600 | 7,651 |
| Average equity | $2,501,600 | 7,730 |
| Average total loans | $13,110,800 | 7,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3105% | 1,112 |
| Cost of funding earning assets | 1.4267% | 6,132 |
| Net interest margin | 4.8838% | 575 |
| Noninterest income to average assets | 0.7229% | 2,860 |
| Noninterest expense to average assets | 3.1889% | 3,339 |
| Loan and lease loss provision to assets | 0.5281% | 3,273 |
| Net operating income to assets | 1.1125% | 1,700 |
| Return on assets (ROA) | 1.1741% | 1,585 |
| Pretax return on assets | 1.1741% | 2,343 |
| Return on Equity (ROE) | 12.2475% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.6157% | 2,149 |
| Net charge-offs to loans | 0.0505% | 6,211 |
| Credit loss provision to net charge-offs | 2,060.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 63.9670% | 513 |
| Efficiency ratio | 66.0297% | 5,359 |
| Assets per employee ($millions) | 2.5872% | 7,074 |
| Cash dividends to net income (ytd only)* | 54.1480% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5744% | 991 |
| Loan loss allowance to noncurrent loans | 99.4169% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 4,434 |
| Noncurrent loans to loans | 2.5895% | 2,918 |
| Net loans and leases to total assets | 49.8802% | 6,789 |
| Net loans and leases to deposits | 56.0502% | 7,083 |
| Net loans and leases to core deposits | 61.5080% | 7,342 |
| Total domestic deposits to total assets | 88.9920% | 1,201 |
| Equity capital to assets | 10.1616% | 3,896 |
| Core capital (leverage) ratio | 9.5804% | 3,809 |
| Tier 1 risk-based capital ratio | 13.2177% | 4,039 |
| Total risk-based capital ratio | 14.4768% | 3,978 |
| Memoranda: | ||
| Average total assets | $26,006,500 | 7,680 |
| Average earning assets | $21,867,750 | 7,722 |
| Average equity | $2,493,000 | 7,809 |
| Average total loans | $13,214,500 | 7,611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2910% | 1,228 |
| Cost of funding earning assets | 1.4694% | 6,259 |
| Net interest margin | 4.8216% | 629 |
| Noninterest income to average assets | 0.7370% | 2,781 |
| Noninterest expense to average assets | 3.2014% | 3,335 |
| Loan and lease loss provision to assets | 0.5604% | 2,780 |
| Net operating income to assets | 1.0057% | 2,085 |
| Return on assets (ROA) | 1.0978% | 1,857 |
| Pretax return on assets | 1.0978% | 2,645 |
| Return on Equity (ROE) | 11.6846% | 1,508 |
| Retained earnings to average equity (ytd only) | 3.9221% | 3,096 |
| Net charge-offs to loans | 0.0151% | 6,322 |
| Credit loss provision to net charge-offs | 7,300.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 206 |
| Efficiency ratio | 67.1498% | 5,329 |
| Assets per employee ($millions) | 2.5679% | 7,117 |
| Cash dividends to net income (ytd only)* | 66.4336% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,037 |
| Loan loss allowance to noncurrent loans | 96.9231% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 4,410 |
| Noncurrent loans to loans | 2.4281% | 2,980 |
| Net loans and leases to total assets | 50.8976% | 6,792 |
| Net loans and leases to deposits | 56.7841% | 7,104 |
| Net loans and leases to core deposits | 61.8055% | 7,387 |
| Total domestic deposits to total assets | 89.6336% | 989 |
| Equity capital to assets | 9.5564% | 4,542 |
| Core capital (leverage) ratio | 9.3405% | 4,114 |
| Tier 1 risk-based capital ratio | 12.8075% | 4,286 |
| Total risk-based capital ratio | 14.0608% | 4,196 |
| Memoranda: | ||
| Average total assets | $26,051,330 | 7,753 |
| Average earning assets | $21,777,000 | 7,801 |
| Average equity | $2,447,670 | 7,891 |
| Average total loans | $13,204,000 | 7,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3635% | 1,148 |
| Cost of funding earning assets | 1.5630% | 6,187 |
| Net interest margin | 4.8006% | 607 |
| Noninterest income to average assets | 0.6251% | 3,381 |
| Noninterest expense to average assets | 2.9119% | 4,122 |
| Loan and lease loss provision to assets | 0.5031% | 2,460 |
| Net operating income to assets | 1.1434% | 1,830 |
| Return on assets (ROA) | 1.1586% | 1,896 |
| Pretax return on assets | 1.1586% | 2,772 |
| Return on Equity (ROE) | 12.4361% | 1,534 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,541 |
| Net charge-offs to loans | 0.0305% | 5,096 |
| Credit loss provision to net charge-offs | 3,300.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 407 |
| Efficiency ratio | 63.8796% | 5,711 |
| Assets per employee ($millions) | 2.6057% | 7,081 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1548% | 1,139 |
| Loan loss allowance to noncurrent loans | 78.1250% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 3,965 |
| Noncurrent loans to loans | 2.7582% | 2,375 |
| Net loans and leases to total assets | 47.9219% | 7,032 |
| Net loans and leases to deposits | 53.2904% | 7,327 |
| Net loans and leases to core deposits | 57.8933% | 7,532 |
| Total domestic deposits to total assets | 89.9259% | 834 |
| Equity capital to assets | 9.4178% | 4,786 |
| Core capital (leverage) ratio | 9.3331% | 4,196 |
| Tier 1 risk-based capital ratio | 12.0985% | 4,874 |
| Total risk-based capital ratio | 13.3962% | 4,722 |
| Memoranda: | ||
| Average total assets | $26,237,500 | 7,789 |
| Average earning assets | $21,497,500 | 7,862 |
| Average equity | $2,444,500 | 7,944 |
| Average total loans | $13,113,500 | 7,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6720% | 2,141 |
| Cost of funding earning assets | 2.1101% | 6,008 |
| Net interest margin | 4.5619% | 1,282 |
| Noninterest income to average assets | 0.7707% | 2,664 |
| Noninterest expense to average assets | 3.5477% | 2,277 |
| Loan and lease loss provision to assets | 0.1183% | 5,856 |
| Net operating income to assets | 0.8604% | 3,172 |
| Return on assets (ROA) | 0.8890% | 2,886 |
| Pretax return on assets | 0.8890% | 3,758 |
| Return on Equity (ROE) | 9.2302% | 2,555 |
| Retained earnings to average equity (ytd only) | -0.0847% | 5,292 |
| Net charge-offs to loans | 0.1907% | 4,279 |
| Credit loss provision to net charge-offs | 120.8333% | 4,443 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 78.3784% | 2,858 |
| Assets per employee ($millions) | 2.6418% | 6,911 |
| Cash dividends to net income (ytd only)* | 100.9174% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 1,623 |
| Loan loss allowance to noncurrent loans | 77.1429% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 3,866 |
| Noncurrent loans to loans | 2.3394% | 2,362 |
| Net loans and leases to total assets | 50.0492% | 7,029 |
| Net loans and leases to deposits | 55.4987% | 7,355 |
| Net loans and leases to core deposits | 60.1875% | 7,580 |
| Total domestic deposits to total assets | 90.1809% | 583 |
| Equity capital to assets | 9.2172% | 5,051 |
| Core capital (leverage) ratio | 9.2271% | 4,397 |
| Tier 1 risk-based capital ratio | 11.3132% | 5,424 |
| Total risk-based capital ratio | 12.4464% | 5,426 |
| Memoranda: | ||
| Average total assets | $24,523,000 | 7,858 |
| Average earning assets | $20,188,800 | 7,929 |
| Average equity | $2,361,800 | 8,032 |
| Average total loans | $12,586,400 | 7,799 |