Home > Pinnacle Bank, Inc. > Performance and Condition Ratios
Pinnacle Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9989% | 635 |
| Cost of funding earning assets | 1.4965% | 1,948 |
| Net interest margin | 4.5024% | 616 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 3.0940% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9928% | 2,244 |
| Return on assets (ROA) | 0.9643% | 2,311 |
| Pretax return on assets | 1.2243% | 2,077 |
| Return on Equity (ROE) | 5.8000% | 3,564 |
| Retained earnings to average equity (ytd only) | 3.5067% | 3,121 |
| Net charge-offs to loans | 0.0807% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 25.5385% | 1,731 |
| Efficiency ratio | 71.0549% | 1,753 |
| Assets per employee ($millions) | 2.8445% | 4,401 |
| Cash dividends to net income (ytd only)* | 39.5669% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 520 |
| Loan loss allowance to noncurrent loans | 184.5426% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 474 |
| Noncurrent loans to loans | 0.9889% | 747 |
| Net loans and leases to total assets | 61.4600% | 2,718 |
| Net loans and leases to deposits | 83.8172% | 1,797 |
| Net loans and leases to core deposits | 101.7459% | 1,344 |
| Total domestic deposits to total assets | 73.3300% | 4,144 |
| Equity capital to assets | 17.5368% | 368 |
| Core capital (leverage) ratio | 16.4070% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $52,681,800 | 4,293 |
| Average earning assets | $46,375,200 | 4,288 |
| Average equity | $8,754,600 | 3,844 |
| Average total loans | $32,228,600 | 4,107 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 639 |
| Cost of funding earning assets | 1.3794% | 1,918 |
| Net interest margin | 4.4824% | 634 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 3.0359% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0128% | 2,331 |
| Return on assets (ROA) | 1.0128% | 2,314 |
| Pretax return on assets | 1.2893% | 2,071 |
| Return on Equity (ROE) | 6.1800% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.1772% | 2,577 |
| Net charge-offs to loans | 0.1033% | 767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 20.5200% | 1,804 |
| Efficiency ratio | 70.1917% | 1,762 |
| Assets per employee ($millions) | 2.5520% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 482 |
| Loan loss allowance to noncurrent loans | 275.1174% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 633 |
| Noncurrent loans to loans | 0.6863% | 1,202 |
| Net loans and leases to total assets | 59.6600% | 2,881 |
| Net loans and leases to deposits | 78.9954% | 2,143 |
| Net loans and leases to core deposits | 95.3258% | 1,593 |
| Total domestic deposits to total assets | 75.5200% | 4,060 |
| Equity capital to assets | 17.2688% | 380 |
| Core capital (leverage) ratio | 16.4672% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,052,000 | 4,304 |
| Average earning assets | $46,878,000 | 4,300 |
| Average equity | $8,698,500 | 3,861 |
| Average total loans | $32,272,000 | 4,121 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6903% | 649 |
| Cost of funding earning assets | 1.2669% | 1,804 |
| Net interest margin | 4.4235% | 680 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.9969% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0052% | 2,396 |
| Return on assets (ROA) | 1.0052% | 2,396 |
| Pretax return on assets | 1.2844% | 2,128 |
| Return on Equity (ROE) | 6.2400% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.2356% | 2,532 |
| Net charge-offs to loans | 0.1530% | 509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,899 |
| Efficiency ratio | 70.0000% | 1,763 |
| Assets per employee ($millions) | 2.6283% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 609 |
| Loan loss allowance to noncurrent loans | 1,627.7778% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 1,045 |
| Noncurrent loans to loans | 0.1108% | 2,929 |
| Net loans and leases to total assets | 60.7000% | 2,705 |
| Net loans and leases to deposits | 79.9865% | 1,983 |
| Net loans and leases to core deposits | 94.0734% | 1,562 |
| Total domestic deposits to total assets | 75.8800% | 4,053 |
| Equity capital to assets | 16.6879% | 400 |
| Core capital (leverage) ratio | 15.6932% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,722,667 | 4,316 |
| Average earning assets | $47,519,333 | 4,317 |
| Average equity | $8,660,000 | 3,884 |
| Average total loans | $32,684,667 | 4,128 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5399% | 584 |
| Cost of funding earning assets | 1.0663% | 1,843 |
| Net interest margin | 4.4736% | 606 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.9465% | 1,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0460% | 2,399 |
| Return on assets (ROA) | 1.0460% | 2,362 |
| Pretax return on assets | 1.3333% | 2,077 |
| Return on Equity (ROE) | 6.6000% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.6016% | 2,617 |
| Net charge-offs to loans | 0.0366% | 1,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 1,014 |
| Efficiency ratio | 68.8468% | 1,881 |
| Assets per employee ($millions) | 2.7040% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 583 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 639 |
| Noncurrent loans to loans | 0.1747% | 2,603 |
| Net loans and leases to total assets | 59.2200% | 2,747 |
| Net loans and leases to deposits | 79.7331% | 1,836 |
| Net loans and leases to core deposits | 86.6863% | 1,825 |
| Total domestic deposits to total assets | 74.2800% | 4,269 |
| Equity capital to assets | 16.1357% | 397 |
| Core capital (leverage) ratio | 15.2698% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $54,301,500 | 4,370 |
| Average earning assets | $48,015,000 | 4,372 |
| Average equity | $8,604,000 | 3,937 |
| Average total loans | $32,781,500 | 4,186 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 508 |
| Cost of funding earning assets | 0.3923% | 2,157 |
| Net interest margin | 4.3150% | 408 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.9285% | 1,081 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0884% | 2,227 |
| Return on assets (ROA) | 1.0884% | 2,163 |
| Pretax return on assets | 1.3390% | 1,962 |
| Return on Equity (ROE) | 6.8300% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.5423% | 3,220 |
| Net charge-offs to loans | -0.0553% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.7336% | 1,997 |
| Assets per employee ($millions) | 3.0291% | 4,522 |
| Cash dividends to net income (ytd only)* | 33.5052% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 590 |
| Loan loss allowance to noncurrent loans | 754.3210% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 579 |
| Noncurrent loans to loans | 0.2460% | 2,294 |
| Net loans and leases to total assets | 59.2700% | 2,704 |
| Net loans and leases to deposits | 78.9427% | 1,852 |
| Net loans and leases to core deposits | 85.8236% | 1,764 |
| Total domestic deposits to total assets | 75.0800% | 4,310 |
| Equity capital to assets | 15.5565% | 420 |
| Core capital (leverage) ratio | 15.0498% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,473,800 | 4,404 |
| Average earning assets | $47,161,600 | 4,406 |
| Average equity | $8,520,000 | 4,046 |
| Average total loans | $32,537,600 | 4,201 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 501 |
| Cost of funding earning assets | 0.3582% | 1,635 |
| Net interest margin | 4.1425% | 475 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.8640% | 1,115 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0173% | 2,414 |
| Return on assets (ROA) | 1.0173% | 2,386 |
| Pretax return on assets | 1.2904% | 2,075 |
| Return on Equity (ROE) | 6.3500% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.3464% | 2,620 |
| Net charge-offs to loans | -0.0822% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9952% | 2,031 |
| Assets per employee ($millions) | 3.0077% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 637 |
| Loan loss allowance to noncurrent loans | 158.6387% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 358 |
| Noncurrent loans to loans | 1.1794% | 625 |
| Net loans and leases to total assets | 58.7100% | 2,624 |
| Net loans and leases to deposits | 72.7456% | 2,154 |
| Net loans and leases to core deposits | 80.6332% | 1,861 |
| Total domestic deposits to total assets | 80.7000% | 4,028 |
| Equity capital to assets | 15.3589% | 423 |
| Core capital (leverage) ratio | 14.9997% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $53,211,250 | 4,437 |
| Average earning assets | $46,894,750 | 4,442 |
| Average equity | $8,529,500 | 4,089 |
| Average total loans | $32,440,250 | 4,226 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 544 |
| Cost of funding earning assets | 0.3558% | 1,218 |
| Net interest margin | 3.9134% | 590 |
| Noninterest income to average assets | 0.6540% | 1,526 |
| Noninterest expense to average assets | 2.8883% | 1,012 |
| Loan and lease loss provision to assets | 0.0680% | 1,395 |
| Net operating income to assets | 0.9111% | 2,534 |
| Return on assets (ROA) | 0.9111% | 2,503 |
| Pretax return on assets | 1.1493% | 2,244 |
| Return on Equity (ROE) | 5.6040% | 3,679 |
| Retained earnings to average equity (ytd only) | 5.6040% | 2,470 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3499% | 1,908 |
| Assets per employee ($millions) | 2.7676% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 795 |
| Loan loss allowance to noncurrent loans | 262.8959% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 532 |
| Noncurrent loans to loans | 0.6903% | 1,250 |
| Net loans and leases to total assets | 59.7786% | 2,348 |
| Net loans and leases to deposits | 73.1261% | 1,949 |
| Net loans and leases to core deposits | 81.7210% | 1,607 |
| Total domestic deposits to total assets | 81.7473% | 4,041 |
| Equity capital to assets | 16.1798% | 321 |
| Core capital (leverage) ratio | 15.0273% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,902,333 | 4,482 |
| Average earning assets | $46,659,667 | 4,499 |
| Average equity | $8,601,000 | 4,140 |
| Average total loans | $32,457,000 | 4,274 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 674 |
| Cost of funding earning assets | 0.3502% | 1,197 |
| Net interest margin | 3.7151% | 731 |
| Noninterest income to average assets | 0.3543% | 2,971 |
| Noninterest expense to average assets | 2.9701% | 859 |
| Loan and lease loss provision to assets | 0.0528% | 1,436 |
| Net operating income to assets | 0.5126% | 3,676 |
| Return on assets (ROA) | 0.5126% | 3,644 |
| Pretax return on assets | 0.6106% | 3,603 |
| Return on Equity (ROE) | 3.1454% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.1454% | 3,212 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7427% | 1,001 |
| Assets per employee ($millions) | 2.9344% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 915 |
| Loan loss allowance to noncurrent loans | 282.1782% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 482 |
| Noncurrent loans to loans | 0.6299% | 1,490 |
| Net loans and leases to total assets | 59.6376% | 2,101 |
| Net loans and leases to deposits | 72.9910% | 1,694 |
| Net loans and leases to core deposits | 81.5238% | 1,379 |
| Total domestic deposits to total assets | 81.7054% | 4,113 |
| Equity capital to assets | 16.1041% | 311 |
| Core capital (leverage) ratio | 14.6456% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,061,500 | 4,506 |
| Average earning assets | $46,836,500 | 4,522 |
| Average equity | $8,647,500 | 4,190 |
| Average total loans | $32,678,000 | 4,284 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 295 |
| Cost of funding earning assets | 0.4078% | 1,487 |
| Net interest margin | 4.5013% | 274 |
| Noninterest income to average assets | 0.5014% | 2,561 |
| Noninterest expense to average assets | 3.1918% | 742 |
| Loan and lease loss provision to assets | 0.1736% | 664 |
| Net operating income to assets | 0.8872% | 3,091 |
| Return on assets (ROA) | 0.8872% | 3,153 |
| Pretax return on assets | 1.0954% | 2,983 |
| Return on Equity (ROE) | 5.2460% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.0678% | 3,607 |
| Net charge-offs to loans | -0.0115% | 3,789 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5521% | 1,559 |
| Assets per employee ($millions) | 2.8055% | 4,717 |
| Cash dividends to net income (ytd only)* | 41.5217% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 1,066 |
| Loan loss allowance to noncurrent loans | 210.8614% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 469 |
| Noncurrent loans to loans | 0.8021% | 1,273 |
| Net loans and leases to total assets | 61.3894% | 2,020 |
| Net loans and leases to deposits | 77.2352% | 1,473 |
| Net loans and leases to core deposits | 86.4362% | 1,171 |
| Total domestic deposits to total assets | 79.4837% | 4,267 |
| Equity capital to assets | 16.4884% | 330 |
| Core capital (leverage) ratio | 14.6672% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,851,400 | 4,542 |
| Average earning assets | $45,609,200 | 4,555 |
| Average equity | $8,768,600 | 4,263 |
| Average total loans | $34,855,400 | 4,288 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 240 |
| Cost of funding earning assets | 0.4277% | 1,500 |
| Net interest margin | 4.7136% | 221 |
| Noninterest income to average assets | 0.3651% | 3,270 |
| Noninterest expense to average assets | 3.1877% | 727 |
| Loan and lease loss provision to assets | 0.1729% | 622 |
| Net operating income to assets | 0.9555% | 3,063 |
| Return on assets (ROA) | 0.9555% | 3,143 |
| Pretax return on assets | 1.1420% | 3,097 |
| Return on Equity (ROE) | 5.6141% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.6141% | 2,993 |
| Net charge-offs to loans | -0.0151% | 3,851 |
| Credit loss provision to net charge-offs | -1,675.0000% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7878% | 1,515 |
| Assets per employee ($millions) | 2.6059% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 1,275 |
| Loan loss allowance to noncurrent loans | 208.4942% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 391 |
| Noncurrent loans to loans | 0.7789% | 1,453 |
| Net loans and leases to total assets | 62.7633% | 1,916 |
| Net loans and leases to deposits | 77.7833% | 1,503 |
| Net loans and leases to core deposits | 87.1155% | 1,212 |
| Total domestic deposits to total assets | 80.6900% | 4,132 |
| Equity capital to assets | 17.1093% | 329 |
| Core capital (leverage) ratio | 15.0749% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,488,250 | 4,610 |
| Average earning assets | $45,201,500 | 4,623 |
| Average equity | $8,763,500 | 4,325 |
| Average total loans | $35,247,750 | 4,340 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5142% | 169 |
| Cost of funding earning assets | 0.4566% | 1,474 |
| Net interest margin | 5.0576% | 159 |
| Noninterest income to average assets | 0.3861% | 3,179 |
| Noninterest expense to average assets | 3.2060% | 708 |
| Loan and lease loss provision to assets | 0.2340% | 433 |
| Net operating income to assets | 1.1701% | 2,296 |
| Return on assets (ROA) | 1.1701% | 2,358 |
| Pretax return on assets | 1.3963% | 2,354 |
| Return on Equity (ROE) | 6.8868% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.8868% | 2,471 |
| Net charge-offs to loans | -0.0167% | 3,909 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2903% | 2,106 |
| Assets per employee ($millions) | 2.7111% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,674 |
| Loan loss allowance to noncurrent loans | 113.9186% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 409 |
| Noncurrent loans to loans | 1.2932% | 911 |
| Net loans and leases to total assets | 69.0740% | 1,313 |
| Net loans and leases to deposits | 85.7535% | 931 |
| Net loans and leases to core deposits | 94.2766% | 894 |
| Total domestic deposits to total assets | 80.5494% | 4,150 |
| Equity capital to assets | 17.2161% | 314 |
| Core capital (leverage) ratio | 14.8114% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,278,333 | 4,644 |
| Average earning assets | $45,120,000 | 4,648 |
| Average equity | $8,712,333 | 4,350 |
| Average total loans | $35,913,333 | 4,360 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 570 |
| Cost of funding earning assets | 0.5234% | 1,251 |
| Net interest margin | 4.1787% | 625 |
| Noninterest income to average assets | 0.4378% | 2,878 |
| Noninterest expense to average assets | 3.1429% | 784 |
| Loan and lease loss provision to assets | 0.1720% | 719 |
| Net operating income to assets | 0.8131% | 3,379 |
| Return on assets (ROA) | 0.8131% | 3,452 |
| Pretax return on assets | 0.8053% | 3,803 |
| Return on Equity (ROE) | 4.8179% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.8179% | 3,284 |
| Net charge-offs to loans | -0.0223% | 4,048 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2808% | 1,108 |
| Assets per employee ($millions) | 2.5845% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,938 |
| Loan loss allowance to noncurrent loans | 102.4948% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 452 |
| Noncurrent loans to loans | 1.3703% | 928 |
| Net loans and leases to total assets | 66.9530% | 1,670 |
| Net loans and leases to deposits | 82.5199% | 1,298 |
| Net loans and leases to core deposits | 92.3102% | 1,098 |
| Total domestic deposits to total assets | 81.1356% | 4,046 |
| Equity capital to assets | 16.7595% | 334 |
| Core capital (leverage) ratio | 14.8590% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,162,500 | 4,662 |
| Average earning assets | $45,086,000 | 4,670 |
| Average equity | $8,634,500 | 4,371 |
| Average total loans | $35,814,000 | 4,384 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2781% | 279 |
| Cost of funding earning assets | 0.8520% | 1,012 |
| Net interest margin | 4.4261% | 379 |
| Noninterest income to average assets | 0.3572% | 3,332 |
| Noninterest expense to average assets | 3.4549% | 738 |
| Loan and lease loss provision to assets | 0.1786% | 2,163 |
| Net operating income to assets | 0.5160% | 3,994 |
| Return on assets (ROA) | 0.5160% | 4,080 |
| Pretax return on assets | 0.5894% | 4,098 |
| Return on Equity (ROE) | 3.0367% | 4,370 |
| Retained earnings to average equity (ytd only) | 1.0045% | 4,229 |
| Net charge-offs to loans | 0.2356% | 744 |
| Credit loss provision to net charge-offs | 104.6512% | 2,773 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,973 |
| Efficiency ratio | 80.0752% | 890 |
| Assets per employee ($millions) | 2.5318% | 4,889 |
| Cash dividends to net income (ytd only)* | 66.9231% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,494 |
| Loan loss allowance to noncurrent loans | 77.5207% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.0638% | 267 |
| Noncurrent loans to loans | 1.6563% | 787 |
| Net loans and leases to total assets | 71.2116% | 1,400 |
| Net loans and leases to deposits | 88.2887% | 1,060 |
| Net loans and leases to core deposits | 99.0659% | 952 |
| Total domestic deposits to total assets | 80.6576% | 3,934 |
| Equity capital to assets | 16.9961% | 337 |
| Core capital (leverage) ratio | 14.8416% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,392,200 | 4,650 |
| Average earning assets | $44,011,800 | 4,670 |
| Average equity | $8,561,800 | 4,363 |
| Average total loans | $36,507,800 | 4,380 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4181% | 269 |
| Cost of funding earning assets | 0.9207% | 997 |
| Net interest margin | 4.4973% | 377 |
| Noninterest income to average assets | 0.4000% | 3,081 |
| Noninterest expense to average assets | 3.4649% | 736 |
| Loan and lease loss provision to assets | 0.1808% | 2,176 |
| Net operating income to assets | 0.5881% | 3,805 |
| Return on assets (ROA) | 0.5881% | 3,907 |
| Pretax return on assets | 0.6755% | 3,953 |
| Return on Equity (ROE) | 3.4616% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.4616% | 3,329 |
| Net charge-offs to loans | 0.2812% | 564 |
| Credit loss provision to net charge-offs | 88.3117% | 2,707 |
| Earnings coverage of net charge-offs (x) | 4.1948% | 2,845 |
| Efficiency ratio | 77.9277% | 1,043 |
| Assets per employee ($millions) | 2.3351% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,351 |
| Loan loss allowance to noncurrent loans | 79.1667% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 2.0719% | 304 |
| Noncurrent loans to loans | 1.5912% | 886 |
| Net loans and leases to total assets | 72.8899% | 1,522 |
| Net loans and leases to deposits | 91.6487% | 1,105 |
| Net loans and leases to core deposits | 99.1209% | 1,229 |
| Total domestic deposits to total assets | 79.5318% | 3,957 |
| Equity capital to assets | 17.8151% | 315 |
| Core capital (leverage) ratio | 15.1453% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,331,500 | 4,667 |
| Average earning assets | $43,876,750 | 4,697 |
| Average equity | $8,550,750 | 4,384 |
| Average total loans | $36,503,000 | 4,406 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 392 |
| Cost of funding earning assets | 0.9898% | 1,018 |
| Net interest margin | 4.4249% | 588 |
| Noninterest income to average assets | 0.3861% | 3,166 |
| Noninterest expense to average assets | 3.4632% | 780 |
| Loan and lease loss provision to assets | 0.1773% | 2,244 |
| Net operating income to assets | 0.5279% | 3,937 |
| Return on assets (ROA) | 0.5279% | 4,021 |
| Pretax return on assets | 0.6028% | 4,057 |
| Return on Equity (ROE) | 3.1570% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.1570% | 3,322 |
| Net charge-offs to loans | 0.3989% | 399 |
| Credit loss provision to net charge-offs | 61.6438% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.7123% | 2,742 |
| Efficiency ratio | 78.1801% | 1,039 |
| Assets per employee ($millions) | 2.4092% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,495 |
| Loan loss allowance to noncurrent loans | 75.7366% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.0240% | 346 |
| Noncurrent loans to loans | 1.5892% | 934 |
| Net loans and leases to total assets | 70.9011% | 1,890 |
| Net loans and leases to deposits | 87.8954% | 1,569 |
| Net loans and leases to core deposits | 97.5445% | 1,452 |
| Total domestic deposits to total assets | 80.6653% | 3,691 |
| Equity capital to assets | 17.0755% | 371 |
| Core capital (leverage) ratio | 14.6759% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,763,000 | 4,680 |
| Average earning assets | $44,249,667 | 4,715 |
| Average equity | $8,489,000 | 4,410 |
| Average total loans | $36,604,333 | 4,414 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6023% | 296 |
| Cost of funding earning assets | 1.0414% | 1,251 |
| Net interest margin | 4.5608% | 440 |
| Noninterest income to average assets | 0.4563% | 2,758 |
| Noninterest expense to average assets | 3.4692% | 980 |
| Loan and lease loss provision to assets | 0.1809% | 1,651 |
| Net operating income to assets | 0.6844% | 3,325 |
| Return on assets (ROA) | 0.6844% | 3,392 |
| Pretax return on assets | 0.8024% | 3,406 |
| Return on Equity (ROE) | 4.1360% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.1360% | 2,627 |
| Net charge-offs to loans | 0.5986% | 245 |
| Credit loss provision to net charge-offs | 41.8182% | 2,090 |
| Earnings coverage of net charge-offs (x) | 2.2727% | 2,300 |
| Efficiency ratio | 74.5583% | 1,744 |
| Assets per employee ($millions) | 2.4023% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,656 |
| Loan loss allowance to noncurrent loans | 78.7273% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 430 |
| Noncurrent loans to loans | 1.5277% | 1,043 |
| Net loans and leases to total assets | 70.5068% | 2,170 |
| Net loans and leases to deposits | 91.5643% | 1,338 |
| Net loans and leases to core deposits | 102.1657% | 1,308 |
| Total domestic deposits to total assets | 77.0025% | 4,346 |
| Equity capital to assets | 16.6644% | 488 |
| Core capital (leverage) ratio | 14.7166% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,848,000 | 4,697 |
| Average earning assets | $44,553,500 | 4,732 |
| Average equity | $8,414,000 | 4,441 |
| Average total loans | $36,752,500 | 4,436 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 242 |
| Cost of funding earning assets | 1.0361% | 1,579 |
| Net interest margin | 4.9234% | 316 |
| Noninterest income to average assets | 0.4032% | 3,274 |
| Noninterest expense to average assets | 3.4450% | 1,036 |
| Loan and lease loss provision to assets | 0.2395% | 788 |
| Net operating income to assets | 0.8623% | 3,349 |
| Return on assets (ROA) | 0.8722% | 3,401 |
| Pretax return on assets | 1.0459% | 3,342 |
| Return on Equity (ROE) | 5.2576% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.3687% | 3,328 |
| Net charge-offs to loans | 0.3834% | 509 |
| Credit loss provision to net charge-offs | 81.6327% | 2,776 |
| Earnings coverage of net charge-offs (x) | 4.3401% | 3,225 |
| Efficiency ratio | 69.8393% | 2,195 |
| Assets per employee ($millions) | 2.5624% | 4,983 |
| Cash dividends to net income (ytd only)* | 35.9268% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,231 |
| Loan loss allowance to noncurrent loans | 79.7599% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6664% | 564 |
| Noncurrent loans to loans | 1.5546% | 916 |
| Net loans and leases to total assets | 72.2715% | 2,050 |
| Net loans and leases to deposits | 95.8639% | 957 |
| Net loans and leases to core deposits | 107.0217% | 1,048 |
| Total domestic deposits to total assets | 75.3898% | 4,666 |
| Equity capital to assets | 16.4322% | 537 |
| Core capital (leverage) ratio | 14.4887% | 803 |
| Tier 1 risk-based capital ratio | 18.9280% | 1,532 |
| Total risk-based capital ratio | 20.1649% | 1,500 |
| Memoranda: | ||
| Average total assets | $50,101,800 | 4,745 |
| Average earning assets | $43,912,600 | 4,784 |
| Average equity | $8,311,800 | 4,471 |
| Average total loans | $38,336,400 | 4,441 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0363% | 225 |
| Cost of funding earning assets | 1.0264% | 1,648 |
| Net interest margin | 5.0099% | 285 |
| Noninterest income to average assets | 0.4068% | 3,270 |
| Noninterest expense to average assets | 3.3991% | 1,094 |
| Loan and lease loss provision to assets | 0.2409% | 689 |
| Net operating income to assets | 0.9609% | 3,120 |
| Return on assets (ROA) | 0.9742% | 3,151 |
| Pretax return on assets | 1.1723% | 3,065 |
| Return on Equity (ROE) | 5.8582% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.8582% | 2,433 |
| Net charge-offs to loans | 0.3286% | 526 |
| Credit loss provision to net charge-offs | 94.7368% | 2,348 |
| Earnings coverage of net charge-offs (x) | 5.4949% | 2,916 |
| Efficiency ratio | 67.7455% | 2,466 |
| Assets per employee ($millions) | 2.4998% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,021 |
| Loan loss allowance to noncurrent loans | 99.5910% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 970 |
| Noncurrent loans to loans | 1.2938% | 1,194 |
| Net loans and leases to total assets | 74.6260% | 1,697 |
| Net loans and leases to deposits | 97.3592% | 889 |
| Net loans and leases to core deposits | 109.6289% | 967 |
| Total domestic deposits to total assets | 76.6501% | 4,566 |
| Equity capital to assets | 17.0054% | 485 |
| Core capital (leverage) ratio | 14.6869% | 819 |
| Tier 1 risk-based capital ratio | 19.6875% | 1,422 |
| Total risk-based capital ratio | 20.9376% | 1,387 |
| Memoranda: | ||
| Average total assets | $49,815,500 | 4,816 |
| Average earning assets | $43,646,000 | 4,862 |
| Average equity | $8,284,500 | 4,526 |
| Average total loans | $38,545,000 | 4,495 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 210 |
| Cost of funding earning assets | 0.9864% | 1,760 |
| Net interest margin | 5.0879% | 241 |
| Noninterest income to average assets | 0.3859% | 3,362 |
| Noninterest expense to average assets | 3.3725% | 1,148 |
| Loan and lease loss provision to assets | 0.2412% | 644 |
| Net operating income to assets | 1.0171% | 2,852 |
| Return on assets (ROA) | 1.0371% | 2,849 |
| Pretax return on assets | 1.2541% | 2,729 |
| Return on Equity (ROE) | 6.2835% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.2835% | 2,154 |
| Net charge-offs to loans | 0.1547% | 1,018 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,167 |
| Efficiency ratio | 66.5560% | 2,743 |
| Assets per employee ($millions) | 2.6421% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 1,823 |
| Loan loss allowance to noncurrent loans | 140.7008% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 1,539 |
| Noncurrent loans to loans | 0.9576% | 1,703 |
| Net loans and leases to total assets | 76.1335% | 1,522 |
| Net loans and leases to deposits | 98.8414% | 760 |
| Net loans and leases to core deposits | 111.1470% | 907 |
| Total domestic deposits to total assets | 77.0259% | 4,554 |
| Equity capital to assets | 16.7012% | 506 |
| Core capital (leverage) ratio | 14.1434% | 924 |
| Tier 1 risk-based capital ratio | 19.0584% | 1,539 |
| Total risk-based capital ratio | 20.3117% | 1,501 |
| Memoranda: | ||
| Average total assets | $49,755,330 | 4,851 |
| Average earning assets | $43,594,000 | 4,901 |
| Average equity | $8,212,000 | 4,555 |
| Average total loans | $38,794,330 | 4,523 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0156% | 219 |
| Cost of funding earning assets | 0.9148% | 1,939 |
| Net interest margin | 5.1008% | 243 |
| Noninterest income to average assets | 0.3472% | 3,538 |
| Noninterest expense to average assets | 3.3836% | 1,140 |
| Loan and lease loss provision to assets | 0.2423% | 609 |
| Net operating income to assets | 0.9771% | 2,935 |
| Return on assets (ROA) | 0.9771% | 2,977 |
| Pretax return on assets | 1.1790% | 2,878 |
| Return on Equity (ROE) | 5.9562% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.9562% | 2,472 |
| Net charge-offs to loans | 0.2782% | 532 |
| Credit loss provision to net charge-offs | 111.1111% | 1,486 |
| Earnings coverage of net charge-offs (x) | 6.5185% | 2,190 |
| Efficiency ratio | 67.2269% | 2,755 |
| Assets per employee ($millions) | 2.6446% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,218 |
| Loan loss allowance to noncurrent loans | 80.8824% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 914 |
| Noncurrent loans to loans | 1.5735% | 1,012 |
| Net loans and leases to total assets | 76.4225% | 1,411 |
| Net loans and leases to deposits | 99.9297% | 640 |
| Net loans and leases to core deposits | 109.4891% | 961 |
| Total domestic deposits to total assets | 76.4762% | 4,712 |
| Equity capital to assets | 16.3373% | 526 |
| Core capital (leverage) ratio | 14.3684% | 852 |
| Tier 1 risk-based capital ratio | 18.5929% | 1,633 |
| Total risk-based capital ratio | 19.8432% | 1,595 |
| Memoranda: | ||
| Average total assets | $49,533,000 | 4,909 |
| Average earning assets | $43,287,500 | 4,955 |
| Average equity | $8,126,000 | 4,602 |
| Average total loans | $38,821,000 | 4,574 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7033% | 277 |
| Cost of funding earning assets | 0.7363% | 1,868 |
| Net interest margin | 4.9670% | 281 |
| Noninterest income to average assets | 0.4191% | 3,317 |
| Noninterest expense to average assets | 3.2955% | 1,332 |
| Loan and lease loss provision to assets | 0.1569% | 1,323 |
| Net operating income to assets | 1.0897% | 2,648 |
| Return on assets (ROA) | 1.0588% | 2,751 |
| Pretax return on assets | 1.2972% | 2,510 |
| Return on Equity (ROE) | 6.7503% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.9392% | 2,796 |
| Net charge-offs to loans | 0.2014% | 952 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 9.5063% | 2,806 |
| Efficiency ratio | 65.7261% | 2,906 |
| Assets per employee ($millions) | 2.5694% | 5,190 |
| Cash dividends to net income (ytd only)* | 26.8293% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,195 |
| Loan loss allowance to noncurrent loans | 114.4186% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 1,284 |
| Noncurrent loans to loans | 1.1098% | 1,460 |
| Net loans and leases to total assets | 78.3609% | 1,210 |
| Net loans and leases to deposits | 102.9273% | 536 |
| Net loans and leases to core deposits | 113.1269% | 825 |
| Total domestic deposits to total assets | 76.1322% | 4,742 |
| Equity capital to assets | 16.4751% | 467 |
| Core capital (leverage) ratio | 14.0854% | 903 |
| Tier 1 risk-based capital ratio | 18.4322% | 1,634 |
| Total risk-based capital ratio | 19.6837% | 1,590 |
| Memoranda: | ||
| Average total assets | $50,340,800 | 4,927 |
| Average earning assets | $44,272,600 | 4,973 |
| Average equity | $7,896,000 | 4,627 |
| Average total loans | $39,225,000 | 4,575 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 285 |
| Cost of funding earning assets | 0.7013% | 1,840 |
| Net interest margin | 4.9296% | 298 |
| Noninterest income to average assets | 0.4337% | 3,262 |
| Noninterest expense to average assets | 3.1807% | 1,568 |
| Loan and lease loss provision to assets | 0.1630% | 1,173 |
| Net operating income to assets | 1.1691% | 2,370 |
| Return on assets (ROA) | 1.1540% | 2,432 |
| Pretax return on assets | 1.4142% | 2,181 |
| Return on Equity (ROE) | 7.4475% | 3,770 |
| Retained earnings to average equity (ytd only) | 7.4475% | 1,904 |
| Net charge-offs to loans | 0.2745% | 610 |
| Credit loss provision to net charge-offs | 76.5432% | 2,566 |
| Earnings coverage of net charge-offs (x) | 7.4936% | 2,803 |
| Efficiency ratio | 63.5113% | 3,268 |
| Assets per employee ($millions) | 2.6101% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,572 |
| Loan loss allowance to noncurrent loans | 414.9123% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 3,024 |
| Noncurrent loans to loans | 0.2916% | 3,638 |
| Net loans and leases to total assets | 77.8916% | 1,358 |
| Net loans and leases to deposits | 101.7973% | 665 |
| Net loans and leases to core deposits | 111.6481% | 934 |
| Total domestic deposits to total assets | 76.5164% | 4,724 |
| Equity capital to assets | 16.2405% | 494 |
| Core capital (leverage) ratio | 14.0536% | 924 |
| Tier 1 risk-based capital ratio | 18.5236% | 1,660 |
| Total risk-based capital ratio | 19.7730% | 1,619 |
| Memoranda: | ||
| Average total assets | $50,721,250 | 4,977 |
| Average earning assets | $44,681,250 | 5,018 |
| Average equity | $7,859,250 | 4,676 |
| Average total loans | $39,344,500 | 4,618 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 323 |
| Cost of funding earning assets | 0.6708% | 1,808 |
| Net interest margin | 4.8153% | 357 |
| Noninterest income to average assets | 0.4423% | 3,204 |
| Noninterest expense to average assets | 3.1313% | 1,714 |
| Loan and lease loss provision to assets | 0.1683% | 1,093 |
| Net operating income to assets | 1.1312% | 2,471 |
| Return on assets (ROA) | 1.1312% | 2,478 |
| Pretax return on assets | 1.3856% | 2,200 |
| Return on Equity (ROE) | 7.4156% | 3,758 |
| Retained earnings to average equity (ytd only) | 7.4156% | 1,879 |
| Net charge-offs to loans | 0.0051% | 2,987 |
| Credit loss provision to net charge-offs | 4,300.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 397.0000% | 234 |
| Efficiency ratio | 63.7427% | 3,355 |
| Assets per employee ($millions) | 2.6491% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,793 |
| Loan loss allowance to noncurrent loans | 287.0968% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 2,507 |
| Noncurrent loans to loans | 0.4835% | 2,986 |
| Net loans and leases to total assets | 75.3740% | 1,742 |
| Net loans and leases to deposits | 99.2674% | 856 |
| Net loans and leases to core deposits | 108.7516% | 1,070 |
| Total domestic deposits to total assets | 75.9303% | 4,858 |
| Equity capital to assets | 15.7451% | 546 |
| Core capital (leverage) ratio | 13.5725% | 1,044 |
| Tier 1 risk-based capital ratio | 18.3516% | 1,713 |
| Total risk-based capital ratio | 19.6043% | 1,677 |
| Memoranda: | ||
| Average total assets | $51,097,670 | 5,028 |
| Average earning assets | $45,023,330 | 5,069 |
| Average equity | $7,794,330 | 4,730 |
| Average total loans | $39,425,670 | 4,658 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 295 |
| Cost of funding earning assets | 0.6248% | 1,882 |
| Net interest margin | 4.8402% | 317 |
| Noninterest income to average assets | 0.4196% | 3,319 |
| Noninterest expense to average assets | 3.1080% | 1,804 |
| Loan and lease loss provision to assets | 0.1632% | 1,105 |
| Net operating income to assets | 1.1577% | 2,182 |
| Return on assets (ROA) | 1.1577% | 2,196 |
| Pretax return on assets | 1.4219% | 1,927 |
| Return on Equity (ROE) | 7.7112% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.7112% | 1,953 |
| Net charge-offs to loans | -0.0100% | 4,250 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0795% | 3,621 |
| Assets per employee ($millions) | 2.5702% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,199 |
| Loan loss allowance to noncurrent loans | 204.7809% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 2,263 |
| Noncurrent loans to loans | 0.6397% | 2,623 |
| Net loans and leases to total assets | 75.3361% | 1,652 |
| Net loans and leases to deposits | 98.4592% | 829 |
| Net loans and leases to core deposits | 110.0142% | 1,010 |
| Total domestic deposits to total assets | 76.5150% | 4,919 |
| Equity capital to assets | 15.1489% | 637 |
| Core capital (leverage) ratio | 12.9649% | 1,192 |
| Tier 1 risk-based capital ratio | 17.5778% | 1,952 |
| Total risk-based capital ratio | 18.8289% | 1,907 |
| Memoranda: | ||
| Average total assets | $51,480,000 | 5,086 |
| Average earning assets | $45,453,000 | 5,121 |
| Average equity | $7,729,000 | 4,793 |
| Average total loans | $39,902,500 | 4,692 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 276 |
| Cost of funding earning assets | 0.5881% | 1,684 |
| Net interest margin | 4.8762% | 293 |
| Noninterest income to average assets | 0.3665% | 3,845 |
| Noninterest expense to average assets | 3.3186% | 1,336 |
| Loan and lease loss provision to assets | 0.1625% | 1,377 |
| Net operating income to assets | 0.7481% | 3,398 |
| Return on assets (ROA) | 0.7291% | 3,514 |
| Pretax return on assets | 1.1432% | 3,009 |
| Return on Equity (ROE) | 4.8342% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.1265% | 3,427 |
| Net charge-offs to loans | 0.1859% | 1,358 |
| Credit loss provision to net charge-offs | 109.3333% | 2,384 |
| Earnings coverage of net charge-offs (x) | 8.9867% | 2,841 |
| Efficiency ratio | 68.1141% | 2,875 |
| Assets per employee ($millions) | 2.4551% | 5,473 |
| Cash dividends to net income (ytd only)* | 35.3261% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,701 |
| Loan loss allowance to noncurrent loans | 247.2362% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 2,578 |
| Noncurrent loans to loans | 0.4906% | 3,048 |
| Net loans and leases to total assets | 77.7276% | 1,316 |
| Net loans and leases to deposits | 102.6643% | 567 |
| Net loans and leases to core deposits | 114.7989% | 763 |
| Total domestic deposits to total assets | 75.7104% | 5,010 |
| Equity capital to assets | 14.8787% | 704 |
| Core capital (leverage) ratio | 12.7501% | 1,240 |
| Tier 1 risk-based capital ratio | 16.8794% | 2,133 |
| Total risk-based capital ratio | 18.1292% | 2,075 |
| Memoranda: | ||
| Average total assets | $50,473,600 | 5,147 |
| Average earning assets | $44,379,000 | 5,185 |
| Average equity | $7,612,400 | 4,841 |
| Average total loans | $40,348,800 | 4,723 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 283 |
| Cost of funding earning assets | 0.5684% | 1,753 |
| Net interest margin | 4.8613% | 293 |
| Noninterest income to average assets | 0.3877% | 3,769 |
| Noninterest expense to average assets | 3.2959% | 1,360 |
| Loan and lease loss provision to assets | 0.1620% | 1,261 |
| Net operating income to assets | 0.8430% | 3,311 |
| Return on assets (ROA) | 0.8207% | 3,475 |
| Pretax return on assets | 1.1686% | 3,024 |
| Return on Equity (ROE) | 5.4225% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.4225% | 2,588 |
| Net charge-offs to loans | 0.1390% | 1,415 |
| Credit loss provision to net charge-offs | 145.2381% | 1,731 |
| Earnings coverage of net charge-offs (x) | 12.2139% | 2,440 |
| Efficiency ratio | 67.5599% | 2,954 |
| Assets per employee ($millions) | 2.6141% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,702 |
| Loan loss allowance to noncurrent loans | 109.3275% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 1,518 |
| Noncurrent loans to loans | 1.1327% | 1,699 |
| Net loans and leases to total assets | 76.8831% | 1,438 |
| Net loans and leases to deposits | 102.9637% | 554 |
| Net loans and leases to core deposits | 115.1220% | 785 |
| Total domestic deposits to total assets | 74.6701% | 5,167 |
| Equity capital to assets | 14.8674% | 758 |
| Core capital (leverage) ratio | 12.9762% | 1,217 |
| Tier 1 risk-based capital ratio | 16.9843% | 2,157 |
| Total risk-based capital ratio | 18.2362% | 2,114 |
| Memoranda: | ||
| Average total assets | $50,202,750 | 5,207 |
| Average earning assets | $44,102,250 | 5,245 |
| Average equity | $7,597,750 | 4,890 |
| Average total loans | $40,294,500 | 4,770 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 261 |
| Cost of funding earning assets | 0.5533% | 1,759 |
| Net interest margin | 4.8924% | 265 |
| Noninterest income to average assets | 0.3878% | 3,766 |
| Noninterest expense to average assets | 3.3448% | 1,282 |
| Loan and lease loss provision to assets | 0.1616% | 1,238 |
| Net operating income to assets | 0.8217% | 3,287 |
| Return on assets (ROA) | 0.7877% | 3,507 |
| Pretax return on assets | 1.1190% | 3,092 |
| Return on Equity (ROE) | 5.1729% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.1729% | 2,594 |
| Net charge-offs to loans | 0.1992% | 1,011 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.2250% | 2,526 |
| Efficiency ratio | 68.3665% | 2,943 |
| Assets per employee ($millions) | 2.4968% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,026 |
| Loan loss allowance to noncurrent loans | 204.6414% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 2,470 |
| Noncurrent loans to loans | 0.5857% | 2,973 |
| Net loans and leases to total assets | 80.0625% | 946 |
| Net loans and leases to deposits | 104.0089% | 496 |
| Net loans and leases to core deposits | 117.2297% | 675 |
| Total domestic deposits to total assets | 76.9765% | 4,959 |
| Equity capital to assets | 15.3436% | 645 |
| Core capital (leverage) ratio | 13.0942% | 1,136 |
| Tier 1 risk-based capital ratio | 16.9505% | 2,164 |
| Total risk-based capital ratio | 18.2013% | 2,125 |
| Memoranda: | ||
| Average total assets | $49,509,670 | 5,259 |
| Average earning assets | $43,373,000 | 5,299 |
| Average equity | $7,539,330 | 4,923 |
| Average total loans | $40,159,330 | 4,803 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3634% | 292 |
| Cost of funding earning assets | 0.5456% | 1,744 |
| Net interest margin | 4.8178% | 304 |
| Noninterest income to average assets | 0.3814% | 3,797 |
| Noninterest expense to average assets | 3.3512% | 1,285 |
| Loan and lease loss provision to assets | 0.1298% | 1,479 |
| Net operating income to assets | 0.7994% | 3,225 |
| Return on assets (ROA) | 0.7303% | 3,609 |
| Pretax return on assets | 1.0305% | 3,235 |
| Return on Equity (ROE) | 4.8141% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.8141% | 3,004 |
| Net charge-offs to loans | 0.3699% | 498 |
| Credit loss provision to net charge-offs | 43.2432% | 2,041 |
| Earnings coverage of net charge-offs (x) | 4.1892% | 2,409 |
| Efficiency ratio | 69.3662% | 2,989 |
| Assets per employee ($millions) | 2.4625% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,363 |
| Loan loss allowance to noncurrent loans | 195.7806% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 2,525 |
| Noncurrent loans to loans | 0.5924% | 3,038 |
| Net loans and leases to total assets | 80.2883% | 803 |
| Net loans and leases to deposits | 104.3214% | 387 |
| Net loans and leases to core deposits | 117.7792% | 532 |
| Total domestic deposits to total assets | 76.9624% | 5,117 |
| Equity capital to assets | 15.2975% | 596 |
| Core capital (leverage) ratio | 12.8994% | 1,184 |
| Tier 1 risk-based capital ratio | 16.7640% | 2,257 |
| Total risk-based capital ratio | 18.0145% | 2,229 |
| Memoranda: | ||
| Average total assets | $49,296,500 | 5,327 |
| Average earning assets | $43,256,000 | 5,365 |
| Average equity | $7,478,000 | 4,974 |
| Average total loans | $40,006,500 | 4,848 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 354 |
| Cost of funding earning assets | 0.5340% | 1,836 |
| Net interest margin | 4.7672% | 373 |
| Noninterest income to average assets | 0.4762% | 3,371 |
| Noninterest expense to average assets | 3.3831% | 1,396 |
| Loan and lease loss provision to assets | 0.2192% | 1,007 |
| Net operating income to assets | 0.7482% | 3,543 |
| Return on assets (ROA) | 0.5459% | 4,549 |
| Pretax return on assets | 0.7551% | 4,318 |
| Return on Equity (ROE) | 3.6876% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.1129% | 4,330 |
| Net charge-offs to loans | 0.2369% | 1,179 |
| Credit loss provision to net charge-offs | 114.5833% | 2,295 |
| Earnings coverage of net charge-offs (x) | 6.5625% | 3,152 |
| Efficiency ratio | 69.7165% | 2,956 |
| Assets per employee ($millions) | 2.4672% | 5,671 |
| Cash dividends to net income (ytd only)* | 42.7007% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 3,053 |
| Loan loss allowance to noncurrent loans | 155.4487% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 2,395 |
| Noncurrent loans to loans | 0.7799% | 2,571 |
| Net loans and leases to total assets | 80.0965% | 886 |
| Net loans and leases to deposits | 106.6375% | 316 |
| Net loans and leases to core deposits | 120.7295% | 461 |
| Total domestic deposits to total assets | 75.1110% | 5,341 |
| Equity capital to assets | 15.0416% | 637 |
| Core capital (leverage) ratio | 12.7252% | 1,241 |
| Tier 1 risk-based capital ratio | 16.4190% | 2,375 |
| Total risk-based capital ratio | 17.6704% | 2,318 |
| Memoranda: | ||
| Average total assets | $50,190,200 | 5,339 |
| Average earning assets | $43,820,400 | 5,379 |
| Average equity | $7,430,400 | 5,021 |
| Average total loans | $40,517,200 | 4,859 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 369 |
| Cost of funding earning assets | 0.5337% | 1,847 |
| Net interest margin | 4.7637% | 389 |
| Noninterest income to average assets | 0.4894% | 3,325 |
| Noninterest expense to average assets | 3.3093% | 1,541 |
| Loan and lease loss provision to assets | 0.2910% | 590 |
| Net operating income to assets | 0.7707% | 3,510 |
| Return on assets (ROA) | 0.4947% | 4,811 |
| Pretax return on assets | 0.6719% | 4,686 |
| Return on Equity (ROE) | 3.3546% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.3546% | 3,884 |
| Net charge-offs to loans | 0.0689% | 2,335 |
| Credit loss provision to net charge-offs | 523.8095% | 680 |
| Earnings coverage of net charge-offs (x) | 24.0471% | 1,693 |
| Efficiency ratio | 68.0524% | 3,217 |
| Assets per employee ($millions) | 2.4869% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,233 |
| Loan loss allowance to noncurrent loans | 162.3188% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 2,535 |
| Noncurrent loans to loans | 0.8579% | 2,540 |
| Net loans and leases to total assets | 79.7294% | 926 |
| Net loans and leases to deposits | 105.5384% | 389 |
| Net loans and leases to core deposits | 119.2596% | 528 |
| Total domestic deposits to total assets | 75.5454% | 5,283 |
| Equity capital to assets | 15.0974% | 711 |
| Core capital (leverage) ratio | 12.5902% | 1,363 |
| Tier 1 risk-based capital ratio | 16.3854% | 2,458 |
| Total risk-based capital ratio | 17.6382% | 2,409 |
| Memoranda: | ||
| Average total assets | $50,402,000 | 5,391 |
| Average earning assets | $43,970,250 | 5,435 |
| Average equity | $7,432,500 | 5,072 |
| Average total loans | $40,644,750 | 4,902 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 330 |
| Cost of funding earning assets | 0.5206% | 1,938 |
| Net interest margin | 4.8207% | 353 |
| Noninterest income to average assets | 0.5096% | 3,125 |
| Noninterest expense to average assets | 3.2949% | 1,600 |
| Loan and lease loss provision to assets | 0.3082% | 569 |
| Net operating income to assets | 0.7901% | 3,357 |
| Return on assets (ROA) | 0.7901% | 3,499 |
| Pretax return on assets | 1.1141% | 3,142 |
| Return on Equity (ROE) | 5.4003% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.4003% | 2,487 |
| Net charge-offs to loans | 0.0441% | 2,587 |
| Credit loss provision to net charge-offs | 866.6667% | 416 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,158 |
| Efficiency ratio | 66.7504% | 3,571 |
| Assets per employee ($millions) | 2.5044% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,643 |
| Loan loss allowance to noncurrent loans | 402.9851% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 4,141 |
| Noncurrent loans to loans | 0.3291% | 4,188 |
| Net loans and leases to total assets | 80.2124% | 865 |
| Net loans and leases to deposits | 105.2168% | 396 |
| Net loans and leases to core deposits | 120.4244% | 503 |
| Total domestic deposits to total assets | 76.2354% | 5,257 |
| Equity capital to assets | 14.9400% | 739 |
| Core capital (leverage) ratio | 12.3779% | 1,417 |
| Tier 1 risk-based capital ratio | 16.2128% | 2,543 |
| Total risk-based capital ratio | 17.4655% | 2,485 |
| Memoranda: | ||
| Average total assets | $50,623,670 | 5,446 |
| Average earning assets | $44,184,000 | 5,494 |
| Average equity | $7,407,000 | 5,122 |
| Average total loans | $40,788,000 | 4,943 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3108% | 350 |
| Cost of funding earning assets | 0.5041% | 2,072 |
| Net interest margin | 4.8068% | 355 |
| Noninterest income to average assets | 0.5973% | 2,551 |
| Noninterest expense to average assets | 3.3404% | 1,506 |
| Loan and lease loss provision to assets | 0.1572% | 1,332 |
| Net operating income to assets | 0.9117% | 2,692 |
| Return on assets (ROA) | 0.9117% | 2,809 |
| Pretax return on assets | 1.2969% | 2,319 |
| Return on Equity (ROE) | 6.2966% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.2966% | 2,233 |
| Net charge-offs to loans | 0.0980% | 1,541 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,543 |
| Efficiency ratio | 66.5574% | 3,707 |
| Assets per employee ($millions) | 2.4252% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,589 |
| Loan loss allowance to noncurrent loans | 384.8000% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 4,159 |
| Noncurrent loans to loans | 0.3073% | 4,324 |
| Net loans and leases to total assets | 78.9295% | 962 |
| Net loans and leases to deposits | 104.7505% | 379 |
| Net loans and leases to core deposits | 119.7938% | 471 |
| Total domestic deposits to total assets | 75.3500% | 5,481 |
| Equity capital to assets | 14.5909% | 805 |
| Core capital (leverage) ratio | 12.0905% | 1,553 |
| Tier 1 risk-based capital ratio | 15.7974% | 2,782 |
| Total risk-based capital ratio | 17.0475% | 2,715 |
| Memoranda: | ||
| Average total assets | $50,892,000 | 5,489 |
| Average earning assets | $44,437,500 | 5,546 |
| Average equity | $7,369,000 | 5,160 |
| Average total loans | $40,824,000 | 4,984 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 331 |
| Cost of funding earning assets | 0.4427% | 2,711 |
| Net interest margin | 4.9318% | 286 |
| Noninterest income to average assets | 0.2868% | 4,838 |
| Noninterest expense to average assets | 3.4763% | 1,339 |
| Loan and lease loss provision to assets | 0.0682% | 2,929 |
| Net operating income to assets | 0.7683% | 3,475 |
| Return on assets (ROA) | 0.7683% | 3,560 |
| Pretax return on assets | 1.0551% | 3,245 |
| Return on Equity (ROE) | 5.3314% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.8837% | 3,273 |
| Net charge-offs to loans | 0.0025% | 4,383 |
| Credit loss provision to net charge-offs | 3,400.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 560.0000% | 119 |
| Efficiency ratio | 72.3070% | 2,854 |
| Assets per employee ($millions) | 2.4217% | 5,928 |
| Cash dividends to net income (ytd only)* | 27.1540% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,754 |
| Loan loss allowance to noncurrent loans | 475.7576% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 4,376 |
| Noncurrent loans to loans | 0.2416% | 4,567 |
| Net loans and leases to total assets | 79.6343% | 890 |
| Net loans and leases to deposits | 105.8135% | 370 |
| Net loans and leases to core deposits | 120.1436% | 476 |
| Total domestic deposits to total assets | 75.2591% | 5,527 |
| Equity capital to assets | 14.3683% | 807 |
| Core capital (leverage) ratio | 12.0565% | 1,586 |
| Tier 1 risk-based capital ratio | 15.6429% | 2,862 |
| Total risk-based capital ratio | 16.8804% | 2,805 |
| Memoranda: | ||
| Average total assets | $49,852,200 | 5,544 |
| Average earning assets | $43,594,200 | 5,592 |
| Average equity | $7,183,800 | 5,213 |
| Average total loans | $39,802,400 | 5,025 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 348 |
| Cost of funding earning assets | 0.4243% | 2,969 |
| Net interest margin | 4.9198% | 302 |
| Noninterest income to average assets | 0.2984% | 4,804 |
| Noninterest expense to average assets | 3.4702% | 1,342 |
| Loan and lease loss provision to assets | 0.0645% | 2,895 |
| Net operating income to assets | 0.7715% | 3,573 |
| Return on assets (ROA) | 0.7715% | 3,664 |
| Pretax return on assets | 1.0645% | 3,351 |
| Return on Equity (ROE) | 5.3496% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.3496% | 2,684 |
| Net charge-offs to loans | 0.0034% | 4,065 |
| Credit loss provision to net charge-offs | 2,400.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 421.0451% | 177 |
| Efficiency ratio | 72.1800% | 2,846 |
| Assets per employee ($millions) | 2.4012% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 4,111 |
| Loan loss allowance to noncurrent loans | 123.5925% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 2,932 |
| Noncurrent loans to loans | 0.9065% | 2,708 |
| Net loans and leases to total assets | 80.6846% | 726 |
| Net loans and leases to deposits | 107.4899% | 316 |
| Net loans and leases to core deposits | 121.3131% | 438 |
| Total domestic deposits to total assets | 75.0625% | 5,620 |
| Equity capital to assets | 14.4866% | 860 |
| Core capital (leverage) ratio | 12.0302% | 1,659 |
| Tier 1 risk-based capital ratio | 15.5982% | 2,997 |
| Total risk-based capital ratio | 16.8060% | 2,951 |
| Memoranda: | ||
| Average total assets | $49,601,500 | 5,618 |
| Average earning assets | $43,361,000 | 5,672 |
| Average equity | $7,153,000 | 5,285 |
| Average total loans | $39,510,750 | 5,087 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 377 |
| Cost of funding earning assets | 0.4186% | 3,049 |
| Net interest margin | 4.8558% | 325 |
| Noninterest income to average assets | 0.2676% | 5,041 |
| Noninterest expense to average assets | 3.4829% | 1,329 |
| Loan and lease loss provision to assets | 0.0162% | 3,802 |
| Net operating income to assets | 0.7339% | 3,717 |
| Return on assets (ROA) | 0.7339% | 3,830 |
| Pretax return on assets | 1.0015% | 3,584 |
| Return on Equity (ROE) | 5.0969% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.0969% | 2,798 |
| Net charge-offs to loans | 0.0103% | 3,552 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 504 |
| Efficiency ratio | 74.0541% | 2,670 |
| Assets per employee ($millions) | 2.2680% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 4,257 |
| Loan loss allowance to noncurrent loans | 126.8012% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 2,897 |
| Noncurrent loans to loans | 0.8780% | 2,935 |
| Net loans and leases to total assets | 78.3213% | 1,030 |
| Net loans and leases to deposits | 107.0186% | 337 |
| Net loans and leases to core deposits | 118.5860% | 508 |
| Total domestic deposits to total assets | 73.1848% | 5,852 |
| Equity capital to assets | 14.4037% | 841 |
| Core capital (leverage) ratio | 12.0463% | 1,630 |
| Tier 1 risk-based capital ratio | 15.7546% | 2,977 |
| Total risk-based capital ratio | 16.9413% | 2,954 |
| Memoranda: | ||
| Average total assets | $49,326,670 | 5,686 |
| Average earning assets | $43,000,000 | 5,738 |
| Average equity | $7,102,330 | 5,339 |
| Average total loans | $38,965,330 | 5,146 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 423 |
| Cost of funding earning assets | 0.4125% | 3,164 |
| Net interest margin | 4.7624% | 374 |
| Noninterest income to average assets | 0.2773% | 4,955 |
| Noninterest expense to average assets | 3.5072% | 1,291 |
| Loan and lease loss provision to assets | 0.0082% | 3,606 |
| Net operating income to assets | 0.6688% | 3,960 |
| Return on assets (ROA) | 0.6688% | 4,082 |
| Pretax return on assets | 0.9054% | 3,869 |
| Return on Equity (ROE) | 4.6459% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.6459% | 3,239 |
| Net charge-offs to loans | 0.0207% | 2,734 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 774 |
| Efficiency ratio | 75.8303% | 2,545 |
| Assets per employee ($millions) | 2.2813% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 4,465 |
| Loan loss allowance to noncurrent loans | 122.0670% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 2,963 |
| Noncurrent loans to loans | 0.9084% | 2,968 |
| Net loans and leases to total assets | 77.6560% | 973 |
| Net loans and leases to deposits | 105.6492% | 325 |
| Net loans and leases to core deposits | 114.3637% | 567 |
| Total domestic deposits to total assets | 73.5036% | 5,943 |
| Equity capital to assets | 14.1747% | 926 |
| Core capital (leverage) ratio | 11.9671% | 1,657 |
| Tier 1 risk-based capital ratio | 14.0271% | 3,988 |
| Total risk-based capital ratio | 15.0960% | 4,042 |
| Memoranda: | ||
| Average total assets | $49,041,500 | 5,744 |
| Average earning assets | $42,667,500 | 5,794 |
| Average equity | $7,060,000 | 5,393 |
| Average total loans | $38,688,000 | 5,187 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 322 |
| Cost of funding earning assets | 0.3983% | 3,706 |
| Net interest margin | 5.0926% | 254 |
| Noninterest income to average assets | 0.3008% | 4,969 |
| Noninterest expense to average assets | 3.6563% | 1,214 |
| Loan and lease loss provision to assets | 0.0802% | 2,880 |
| Net operating income to assets | 0.6840% | 3,973 |
| Return on assets (ROA) | 0.6840% | 4,090 |
| Pretax return on assets | 0.9224% | 3,815 |
| Return on Equity (ROE) | 4.4913% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.4913% | 2,981 |
| Net charge-offs to loans | 0.0945% | 3,152 |
| Credit loss provision to net charge-offs | 112.5000% | 2,111 |
| Earnings coverage of net charge-offs (x) | 14.0625% | 2,200 |
| Efficiency ratio | 74.8924% | 2,676 |
| Assets per employee ($millions) | 2.1770% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,261 |
| Loan loss allowance to noncurrent loans | 125.5014% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 3,020 |
| Noncurrent loans to loans | 0.9193% | 3,017 |
| Net loans and leases to total assets | 78.3526% | 958 |
| Net loans and leases to deposits | 105.2976% | 386 |
| Net loans and leases to core deposits | 114.3001% | 590 |
| Total domestic deposits to total assets | 74.4107% | 5,908 |
| Equity capital to assets | 14.6278% | 775 |
| Core capital (leverage) ratio | 12.0109% | 1,605 |
| Tier 1 risk-based capital ratio | 16.0708% | 2,931 |
| Total risk-based capital ratio | 17.3210% | 2,868 |
| Memoranda: | ||
| Average total assets | $44,881,000 | 5,910 |
| Average earning assets | $38,408,800 | 5,972 |
| Average equity | $6,835,400 | 5,454 |
| Average total loans | $33,869,400 | 5,403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4824% | 324 |
| Cost of funding earning assets | 0.3969% | 3,822 |
| Net interest margin | 5.0855% | 253 |
| Noninterest income to average assets | 0.3052% | 5,001 |
| Noninterest expense to average assets | 3.6862% | 1,143 |
| Loan and lease loss provision to assets | 0.0574% | 3,218 |
| Net operating income to assets | 0.6708% | 4,103 |
| Return on assets (ROA) | 0.6708% | 4,192 |
| Pretax return on assets | 0.8974% | 3,997 |
| Return on Equity (ROE) | 4.3574% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,554 |
| Net charge-offs to loans | 0.1299% | 2,497 |
| Credit loss provision to net charge-offs | 59.3750% | 2,943 |
| Earnings coverage of net charge-offs (x) | 9.8739% | 2,612 |
| Efficiency ratio | 75.7813% | 2,531 |
| Assets per employee ($millions) | 1.9822% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 4,318 |
| Loan loss allowance to noncurrent loans | 100.2381% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 2,809 |
| Noncurrent loans to loans | 1.1810% | 2,698 |
| Net loans and leases to total assets | 77.0849% | 1,080 |
| Net loans and leases to deposits | 102.9832% | 453 |
| Net loans and leases to core deposits | 111.3212% | 693 |
| Total domestic deposits to total assets | 74.8519% | 5,937 |
| Equity capital to assets | 15.1853% | 696 |
| Core capital (leverage) ratio | 12.1632% | 1,595 |
| Tier 1 risk-based capital ratio | 16.5102% | 2,812 |
| Total risk-based capital ratio | 17.7606% | 2,761 |
| Memoranda: | ||
| Average total assets | $44,127,500 | 5,997 |
| Average earning assets | $37,622,500 | 6,070 |
| Average equity | $6,792,750 | 5,515 |
| Average total loans | $32,845,500 | 5,498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 332 |
| Cost of funding earning assets | 0.3931% | 3,943 |
| Net interest margin | 5.0667% | 254 |
| Noninterest income to average assets | 0.3025% | 4,988 |
| Noninterest expense to average assets | 3.7030% | 1,133 |
| Loan and lease loss provision to assets | 0.0733% | 2,803 |
| Net operating income to assets | 0.6324% | 4,193 |
| Return on assets (ROA) | 0.6324% | 4,295 |
| Pretax return on assets | 0.8387% | 4,122 |
| Return on Equity (ROE) | 4.0893% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.0893% | 3,571 |
| Net charge-offs to loans | 0.0626% | 3,085 |
| Credit loss provision to net charge-offs | 160.0000% | 1,395 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,604 |
| Efficiency ratio | 76.5641% | 2,530 |
| Assets per employee ($millions) | 2.0628% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 3,797 |
| Loan loss allowance to noncurrent loans | 1,629.6296% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 5,421 |
| Noncurrent loans to loans | 0.0805% | 5,779 |
| Net loans and leases to total assets | 72.9584% | 1,581 |
| Net loans and leases to deposits | 93.6025% | 998 |
| Net loans and leases to core deposits | 101.6767% | 1,158 |
| Total domestic deposits to total assets | 77.9450% | 5,643 |
| Equity capital to assets | 15.0588% | 688 |
| Core capital (leverage) ratio | 12.2952% | 1,502 |
| Tier 1 risk-based capital ratio | 16.7333% | 2,735 |
| Total risk-based capital ratio | 17.9838% | 2,700 |
| Memoranda: | ||
| Average total assets | $43,640,000 | 6,068 |
| Average earning assets | $37,144,330 | 6,141 |
| Average equity | $6,749,330 | 5,549 |
| Average total loans | $31,939,330 | 5,581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 357 |
| Cost of funding earning assets | 0.3863% | 4,128 |
| Net interest margin | 4.9999% | 271 |
| Noninterest income to average assets | 0.2993% | 4,966 |
| Noninterest expense to average assets | 3.7784% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5799% | 4,301 |
| Return on assets (ROA) | 0.5799% | 4,368 |
| Pretax return on assets | 0.7576% | 4,282 |
| Return on Equity (ROE) | 3.6976% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.6976% | 3,914 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3814% | 2,287 |
| Assets per employee ($millions) | 2.0599% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 3,715 |
| Loan loss allowance to noncurrent loans | 904.1667% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 5,303 |
| Noncurrent loans to loans | 0.1522% | 5,629 |
| Net loans and leases to total assets | 71.9144% | 1,590 |
| Net loans and leases to deposits | 93.2047% | 858 |
| Net loans and leases to core deposits | 101.7699% | 1,001 |
| Total domestic deposits to total assets | 77.1575% | 5,944 |
| Equity capital to assets | 15.5859% | 589 |
| Core capital (leverage) ratio | 12.5028% | 1,384 |
| Tier 1 risk-based capital ratio | 17.3425% | 2,537 |
| Total risk-based capital ratio | 18.5944% | 2,503 |
| Memoranda: | ||
| Average total assets | $42,769,000 | 6,145 |
| Average earning assets | $36,241,000 | 6,227 |
| Average equity | $6,707,000 | 5,589 |
| Average total loans | $31,134,000 | 5,669 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8150% | 224 |
| Cost of funding earning assets | 0.4448% | 4,164 |
| Net interest margin | 5.3702% | 167 |
| Noninterest income to average assets | 0.3258% | 4,999 |
| Noninterest expense to average assets | 4.1914% | 707 |
| Loan and lease loss provision to assets | 0.3828% | 795 |
| Net operating income to assets | 0.2482% | 5,694 |
| Return on assets (ROA) | 0.3420% | 5,479 |
| Pretax return on assets | 0.3773% | 5,547 |
| Return on Equity (ROE) | 1.9848% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.9848% | 4,822 |
| Net charge-offs to loans | 0.0302% | 4,825 |
| Credit loss provision to net charge-offs | 1,762.5000% | 141 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,183 |
| Efficiency ratio | 82.2508% | 1,849 |
| Assets per employee ($millions) | 2.0134% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 3,592 |
| Loan loss allowance to noncurrent loans | 1,142.1053% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 5,431 |
| Noncurrent loans to loans | 0.1237% | 5,830 |
| Net loans and leases to total assets | 71.6445% | 1,746 |
| Net loans and leases to deposits | 93.3642% | 923 |
| Net loans and leases to core deposits | 102.0517% | 1,024 |
| Total domestic deposits to total assets | 76.7366% | 6,016 |
| Equity capital to assets | 15.7801% | 564 |
| Core capital (leverage) ratio | 12.6382% | 1,290 |
| Tier 1 risk-based capital ratio | 17.4480% | 2,430 |
| Total risk-based capital ratio | 18.7000% | 2,408 |
| Memoranda: | ||
| Average total assets | $36,837,400 | 6,369 |
| Average earning assets | $31,023,000 | 6,422 |
| Average equity | $6,348,200 | 5,729 |
| Average total loans | $26,497,800 | 5,912 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8416% | 224 |
| Cost of funding earning assets | 0.4556% | 4,213 |
| Net interest margin | 5.3861% | 166 |
| Noninterest income to average assets | 0.3157% | 5,172 |
| Noninterest expense to average assets | 4.0927% | 773 |
| Loan and lease loss provision to assets | 0.4435% | 647 |
| Net operating income to assets | 0.2727% | 5,696 |
| Return on assets (ROA) | 0.3984% | 5,383 |
| Pretax return on assets | 0.4548% | 5,485 |
| Return on Equity (ROE) | 2.2551% | 5,861 |
| Retained earnings to average equity (ytd only) | 2.2551% | 4,967 |
| Net charge-offs to loans | 0.0419% | 4,312 |
| Credit loss provision to net charge-offs | 1,475.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 25.1162% | 1,396 |
| Efficiency ratio | 80.0775% | 2,085 |
| Assets per employee ($millions) | 1.9949% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,975 |
| Loan loss allowance to noncurrent loans | 5,137.5000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 5,422 |
| Noncurrent loans to loans | 0.0269% | 6,272 |
| Net loans and leases to total assets | 73.5018% | 1,367 |
| Net loans and leases to deposits | 100.9119% | 433 |
| Net loans and leases to core deposits | 111.5061% | 519 |
| Total domestic deposits to total assets | 72.8376% | 6,442 |
| Equity capital to assets | 16.6980% | 450 |
| Core capital (leverage) ratio | 14.0900% | 851 |
| Tier 1 risk-based capital ratio | 18.1958% | 2,246 |
| Total risk-based capital ratio | 19.4495% | 2,213 |
| Memoranda: | ||
| Average total assets | $35,476,500 | 6,473 |
| Average earning assets | $29,854,000 | 6,521 |
| Average equity | $6,267,250 | 5,821 |
| Average total loans | $25,440,750 | 6,014 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7483% | 257 |
| Cost of funding earning assets | 0.4668% | 4,241 |
| Net interest margin | 5.2814% | 191 |
| Noninterest income to average assets | 0.3411% | 4,956 |
| Noninterest expense to average assets | 4.2408% | 663 |
| Loan and lease loss provision to assets | 0.4353% | 676 |
| Net operating income to assets | 0.1170% | 6,094 |
| Return on assets (ROA) | 0.3294% | 5,650 |
| Pretax return on assets | 0.3470% | 5,755 |
| Return on Equity (ROE) | 1.8254% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.8254% | 5,104 |
| Net charge-offs to loans | 0.0417% | 4,093 |
| Credit loss provision to net charge-offs | 1,480.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,524 |
| Efficiency ratio | 83.8235% | 1,648 |
| Assets per employee ($millions) | 1.7783% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,104 |
| Loan loss allowance to noncurrent loans | 4,111.1111% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 5,274 |
| Noncurrent loans to loans | 0.0337% | 6,302 |
| Net loans and leases to total assets | 74.0419% | 1,242 |
| Net loans and leases to deposits | 92.2799% | 935 |
| Net loans and leases to core deposits | 105.0128% | 798 |
| Total domestic deposits to total assets | 80.2362% | 5,553 |
| Equity capital to assets | 18.5435% | 288 |
| Core capital (leverage) ratio | 14.8022% | 646 |
| Tier 1 risk-based capital ratio | 19.9731% | 1,727 |
| Total risk-based capital ratio | 21.2263% | 1,695 |
| Memoranda: | ||
| Average total assets | $34,003,000 | 6,551 |
| Average earning assets | $28,704,330 | 6,593 |
| Average equity | $6,135,670 | 5,891 |
| Average total loans | $24,009,000 | 6,124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 420 |
| Cost of funding earning assets | 0.4851% | 4,238 |
| Net interest margin | 4.9369% | 318 |
| Noninterest income to average assets | 0.3492% | 4,887 |
| Noninterest expense to average assets | 4.2863% | 634 |
| Loan and lease loss provision to assets | 0.1324% | 2,582 |
| Net operating income to assets | 0.0963% | 6,157 |
| Return on assets (ROA) | 0.0963% | 6,250 |
| Pretax return on assets | 0.0963% | 6,265 |
| Return on Equity (ROE) | 0.5418% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.5418% | 5,608 |
| Net charge-offs to loans | 0.0353% | 3,527 |
| Credit loss provision to net charge-offs | 550.0000% | 488 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,824 |
| Efficiency ratio | 89.8667% | 1,158 |
| Assets per employee ($millions) | 1.8321% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,544 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 5,364 |
| Noncurrent loans to loans | 0.0430% | 6,352 |
| Net loans and leases to total assets | 65.9197% | 2,380 |
| Net loans and leases to deposits | 81.8156% | 1,854 |
| Net loans and leases to core deposits | 93.3333% | 1,392 |
| Total domestic deposits to total assets | 80.5711% | 5,607 |
| Equity capital to assets | 19.1588% | 255 |
| Core capital (leverage) ratio | 15.3213% | 540 |
| Tier 1 risk-based capital ratio | 21.6489% | 1,393 |
| Total risk-based capital ratio | 22.9008% | 1,368 |
| Memoranda: | ||
| Average total assets | $33,222,000 | 6,640 |
| Average earning assets | $28,034,000 | 6,674 |
| Average equity | $5,906,000 | 6,009 |
| Average total loans | $22,662,000 | 6,245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8986% | 314 |
| Cost of funding earning assets | 0.5822% | 4,515 |
| Net interest margin | 5.3164% | 230 |
| Noninterest income to average assets | 0.2926% | 5,378 |
| Noninterest expense to average assets | 4.3620% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3531% | 5,281 |
| Return on assets (ROA) | 0.7433% | 3,783 |
| Pretax return on assets | 0.7433% | 4,501 |
| Return on Equity (ROE) | 4.3586% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.3586% | 3,162 |
| Net charge-offs to loans | 0.2675% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 4,451 |
| Efficiency ratio | 87.1612% | 1,315 |
| Assets per employee ($millions) | 1.6650% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 4,335 |
| Loan loss allowance to noncurrent loans | 10,033.3333% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 4,296 |
| Noncurrent loans to loans | 0.0136% | 6,508 |
| Net loans and leases to total assets | 68.8067% | 2,064 |
| Net loans and leases to deposits | 82.5665% | 1,928 |
| Net loans and leases to core deposits | 96.0888% | 1,295 |
| Total domestic deposits to total assets | 83.3349% | 4,590 |
| Equity capital to assets | 16.2573% | 508 |
| Core capital (leverage) ratio | 11.1269% | 2,144 |
| Tier 1 risk-based capital ratio | 15.5807% | 3,384 |
| Total risk-based capital ratio | 16.8337% | 3,342 |
| Memoranda: | ||
| Average total assets | $29,734,000 | 6,760 |
| Average earning assets | $24,734,800 | 6,796 |
| Average equity | $5,070,400 | 6,271 |
| Average total loans | $20,188,400 | 6,417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9475% | 301 |
| Cost of funding earning assets | 0.5871% | 4,774 |
| Net interest margin | 5.3604% | 218 |
| Noninterest income to average assets | 0.2734% | 5,596 |
| Noninterest expense to average assets | 4.2790% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4466% | 5,049 |
| Return on assets (ROA) | 0.7929% | 3,729 |
| Pretax return on assets | 0.7929% | 4,514 |
| Return on Equity (ROE) | 4.5918% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.5918% | 3,671 |
| Net charge-offs to loans | 0.3651% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.8147% | 4,355 |
| Efficiency ratio | 85.1495% | 1,464 |
| Assets per employee ($millions) | 1.8369% | 7,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,327 |
| Loan loss allowance to noncurrent loans | 376.2500% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 3,999 |
| Noncurrent loans to loans | 0.3752% | 5,725 |
| Net loans and leases to total assets | 67.3146% | 2,402 |
| Net loans and leases to deposits | 80.9777% | 2,254 |
| Net loans and leases to core deposits | 94.4807% | 1,533 |
| Total domestic deposits to total assets | 83.1273% | 4,592 |
| Equity capital to assets | 16.4532% | 536 |
| Core capital (leverage) ratio | 11.3628% | 2,084 |
| Tier 1 risk-based capital ratio | 15.5573% | 3,501 |
| Total risk-based capital ratio | 16.8096% | 3,459 |
| Memoranda: | ||
| Average total assets | $29,258,750 | 6,859 |
| Average earning assets | $24,301,000 | 6,894 |
| Average equity | $5,052,250 | 6,343 |
| Average total loans | $19,718,500 | 6,524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 313 |
| Cost of funding earning assets | 0.6013% | 4,889 |
| Net interest margin | 5.3521% | 228 |
| Noninterest income to average assets | 0.3356% | 5,147 |
| Noninterest expense to average assets | 4.2164% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5384% | 4,635 |
| Return on assets (ROA) | 0.8461% | 3,431 |
| Pretax return on assets | 0.8461% | 4,293 |
| Return on Equity (ROE) | 4.8172% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.8172% | 3,398 |
| Net charge-offs to loans | 0.5630% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.4259% | 4,288 |
| Efficiency ratio | 83.2353% | 1,719 |
| Assets per employee ($millions) | 1.8303% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 4,137 |
| Loan loss allowance to noncurrent loans | 149.7512% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 3,971 |
| Noncurrent loans to loans | 0.9849% | 4,537 |
| Net loans and leases to total assets | 68.6597% | 2,173 |
| Net loans and leases to deposits | 83.4662% | 1,916 |
| Net loans and leases to core deposits | 94.2442% | 1,577 |
| Total domestic deposits to total assets | 82.2605% | 5,033 |
| Equity capital to assets | 17.4014% | 391 |
| Core capital (leverage) ratio | 11.7579% | 1,750 |
| Tier 1 risk-based capital ratio | 15.7386% | 3,309 |
| Total risk-based capital ratio | 16.9899% | 3,278 |
| Memoranda: | ||
| Average total assets | $28,602,330 | 6,926 |
| Average earning assets | $23,617,000 | 6,968 |
| Average equity | $5,023,670 | 6,386 |
| Average total loans | $19,184,000 | 6,593 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 457 |
| Cost of funding earning assets | 0.6177% | 4,984 |
| Net interest margin | 5.1473% | 319 |
| Noninterest income to average assets | 0.3255% | 5,264 |
| Noninterest expense to average assets | 4.3027% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2689% | 5,752 |
| Return on assets (ROA) | 0.4529% | 5,210 |
| Pretax return on assets | 0.4529% | 5,573 |
| Return on Equity (ROE) | 2.5664% | 5,881 |
| Retained earnings to average equity (ytd only) | 2.5664% | 4,975 |
| Net charge-offs to loans | 0.8615% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4750% | 4,104 |
| Efficiency ratio | 88.2353% | 1,258 |
| Assets per employee ($millions) | 1.6549% | 7,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 3,364 |
| Loan loss allowance to noncurrent loans | 143.1818% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 1.3401% | 3,884 |
| Noncurrent loans to loans | 1.1850% | 4,353 |
| Net loans and leases to total assets | 64.8704% | 2,678 |
| Net loans and leases to deposits | 79.2582% | 2,306 |
| Net loans and leases to core deposits | 85.7976% | 2,314 |
| Total domestic deposits to total assets | 81.8469% | 5,348 |
| Equity capital to assets | 17.8509% | 346 |
| Core capital (leverage) ratio | 11.6769% | 1,790 |
| Tier 1 risk-based capital ratio | 15.9078% | 3,219 |
| Total risk-based capital ratio | 17.1648% | 3,186 |
| Memoranda: | ||
| Average total assets | $28,261,000 | 6,999 |
| Average earning assets | $23,313,000 | 7,041 |
| Average equity | $4,987,500 | 6,432 |
| Average total loans | $18,572,000 | 6,682 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 754 |
| Cost of funding earning assets | 0.7205% | 5,404 |
| Net interest margin | 4.9962% | 416 |
| Noninterest income to average assets | 0.3522% | 4,986 |
| Noninterest expense to average assets | 4.5965% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0827% | 6,150 |
| Return on assets (ROA) | 0.5139% | 4,573 |
| Pretax return on assets | 0.5139% | 4,951 |
| Return on Equity (ROE) | 2.9119% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.9119% | 4,169 |
| Net charge-offs to loans | 0.0549% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -2.5556% | 6,304 |
| Efficiency ratio | 95.8599% | 826 |
| Assets per employee ($millions) | 1.7743% | 7,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 2,535 |
| Loan loss allowance to noncurrent loans | 150.4237% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 4,164 |
| Noncurrent loans to loans | 1.2703% | 4,246 |
| Net loans and leases to total assets | 64.1939% | 3,144 |
| Net loans and leases to deposits | 78.1710% | 2,813 |
| Net loans and leases to core deposits | 83.5503% | 2,953 |
| Total domestic deposits to total assets | 82.1198% | 5,089 |
| Equity capital to assets | 17.4469% | 392 |
| Core capital (leverage) ratio | 11.4026% | 1,966 |
| Tier 1 risk-based capital ratio | 15.4095% | 3,383 |
| Total risk-based capital ratio | 16.6684% | 3,334 |
| Memoranda: | ||
| Average total assets | $27,825,400 | 7,028 |
| Average earning assets | $23,177,400 | 7,073 |
| Average equity | $4,910,800 | 6,472 |
| Average total loans | $16,391,200 | 6,828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6161% | 1,003 |
| Cost of funding earning assets | 0.7423% | 5,505 |
| Net interest margin | 4.8738% | 539 |
| Noninterest income to average assets | 0.3516% | 5,043 |
| Noninterest expense to average assets | 4.6234% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1926% | 6,380 |
| Return on assets (ROA) | 0.6068% | 4,240 |
| Pretax return on assets | 0.6068% | 4,788 |
| Return on Equity (ROE) | 3.4284% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.4284% | 4,294 |
| Net charge-offs to loans | 0.0084% | 6,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -40.0977% | 6,165 |
| Efficiency ratio | 98.2609% | 729 |
| Assets per employee ($millions) | 1.6699% | 7,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 2,328 |
| Loan loss allowance to noncurrent loans | 242.0000% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 4,887 |
| Noncurrent loans to loans | 0.8280% | 5,215 |
| Net loans and leases to total assets | 62.5383% | 3,600 |
| Net loans and leases to deposits | 76.1582% | 3,304 |
| Net loans and leases to core deposits | 81.3993% | 3,425 |
| Total domestic deposits to total assets | 82.1163% | 5,049 |
| Equity capital to assets | 17.4187% | 446 |
| Core capital (leverage) ratio | 11.5260% | 2,011 |
| Tier 1 risk-based capital ratio | 15.8060% | 3,215 |
| Total risk-based capital ratio | 17.0650% | 3,167 |
| Memoranda: | ||
| Average total assets | $27,684,500 | 7,103 |
| Average earning assets | $23,171,000 | 7,144 |
| Average equity | $4,900,250 | 6,525 |
| Average total loans | $15,844,250 | 6,924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5696% | 1,127 |
| Cost of funding earning assets | 0.7770% | 5,526 |
| Net interest margin | 4.7927% | 609 |
| Noninterest income to average assets | 0.3570% | 5,033 |
| Noninterest expense to average assets | 4.6995% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3424% | 6,577 |
| Return on assets (ROA) | 0.5465% | 4,457 |
| Pretax return on assets | 0.5465% | 4,916 |
| Return on Equity (ROE) | 3.0704% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.0704% | 4,319 |
| Net charge-offs to loans | 0.0133% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -47.0000% | 5,858 |
| Efficiency ratio | 101.6722% | 672 |
| Assets per employee ($millions) | 1.7531% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,883 |
| Loan loss allowance to noncurrent loans | 168.0556% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 4,927 |
| Noncurrent loans to loans | 1.3188% | 4,444 |
| Net loans and leases to total assets | 57.0980% | 4,806 |
| Net loans and leases to deposits | 69.5834% | 4,489 |
| Net loans and leases to core deposits | 75.2844% | 4,400 |
| Total domestic deposits to total assets | 82.0570% | 5,143 |
| Equity capital to assets | 17.5900% | 417 |
| Core capital (leverage) ratio | 11.0928% | 2,177 |
| Tier 1 risk-based capital ratio | 16.1839% | 2,891 |
| Total risk-based capital ratio | 17.4421% | 2,857 |
| Memoranda: | ||
| Average total assets | $27,449,670 | 7,177 |
| Average earning assets | $22,910,000 | 7,218 |
| Average equity | $4,885,330 | 6,570 |
| Average total loans | $15,086,670 | 7,035 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 1,305 |
| Cost of funding earning assets | 0.7779% | 5,686 |
| Net interest margin | 4.7204% | 678 |
| Noninterest income to average assets | 0.5009% | 3,878 |
| Noninterest expense to average assets | 4.6704% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2357% | 6,598 |
| Return on assets (ROA) | 0.0884% | 6,177 |
| Pretax return on assets | 0.0884% | 6,198 |
| Return on Equity (ROE) | 0.4937% | 6,264 |
| Retained earnings to average equity (ytd only) | 0.4937% | 5,626 |
| Net charge-offs to loans | 0.0277% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 5,072 |
| Efficiency ratio | 99.0033% | 787 |
| Assets per employee ($millions) | 1.6264% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 1,523 |
| Loan loss allowance to noncurrent loans | 153.1646% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 4,810 |
| Noncurrent loans to loans | 1.6034% | 4,078 |
| Net loans and leases to total assets | 52.1466% | 5,559 |
| Net loans and leases to deposits | 63.6303% | 5,301 |
| Net loans and leases to core deposits | 68.9329% | 5,175 |
| Total domestic deposits to total assets | 81.9523% | 5,332 |
| Equity capital to assets | 17.7366% | 383 |
| Core capital (leverage) ratio | 11.1869% | 2,040 |
| Tier 1 risk-based capital ratio | 16.4565% | 2,680 |
| Total risk-based capital ratio | 17.7174% | 2,653 |
| Memoranda: | ||
| Average total assets | $27,149,500 | 7,232 |
| Average earning assets | $22,625,000 | 7,273 |
| Average equity | $4,861,000 | 6,600 |
| Average total loans | $14,440,500 | 7,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6905% | 1,604 |
| Cost of funding earning assets | 0.9999% | 5,693 |
| Net interest margin | 4.6906% | 835 |
| Noninterest income to average assets | 0.2010% | 6,345 |
| Noninterest expense to average assets | 4.9670% | 421 |
| Loan and lease loss provision to assets | 0.3033% | 4,381 |
| Net operating income to assets | -0.9782% | 6,668 |
| Return on assets (ROA) | -0.9782% | 6,711 |
| Pretax return on assets | -0.9782% | 6,629 |
| Return on Equity (ROE) | -6.7233% | 6,541 |
| Retained earnings to average equity (ytd only) | -6.7233% | 6,443 |
| Net charge-offs to loans | 0.7964% | 2,644 |
| Credit loss provision to net charge-offs | 78.4314% | 5,616 |
| Earnings coverage of net charge-offs (x) | -1.7451% | 6,695 |
| Efficiency ratio | 112.4558% | 499 |
| Assets per employee ($millions) | 1.6656% | 7,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5816% | 1,306 |
| Loan loss allowance to noncurrent loans | 158.9520% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 3,963 |
| Noncurrent loans to loans | 1.6241% | 4,069 |
| Net loans and leases to total assets | 51.5422% | 5,984 |
| Net loans and leases to deposits | 63.4692% | 5,688 |
| Net loans and leases to core deposits | 69.0113% | 5,553 |
| Total domestic deposits to total assets | 81.2083% | 5,452 |
| Equity capital to assets | 18.0788% | 370 |
| Core capital (leverage) ratio | 11.0806% | 2,102 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,717 |
| Total risk-based capital ratio | 17.3303% | 2,672 |
| Memoranda: | ||
| Average total assets | $26,374,200 | 7,308 |
| Average earning assets | $23,003,400 | 7,322 |
| Average equity | $3,837,400 | 7,047 |
| Average total loans | $12,807,400 | 7,263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6232% | 1,977 |
| Cost of funding earning assets | 1.0443% | 5,719 |
| Net interest margin | 4.5789% | 1,092 |
| Noninterest income to average assets | 0.1774% | 6,609 |
| Noninterest expense to average assets | 4.9875% | 388 |
| Loan and lease loss provision to assets | 0.4055% | 3,471 |
| Net operating income to assets | -1.1708% | 6,974 |
| Return on assets (ROA) | -1.1708% | 7,009 |
| Pretax return on assets | -1.1708% | 6,931 |
| Return on Equity (ROE) | -8.5737% | 6,862 |
| Retained earnings to average equity (ytd only) | -8.5737% | 6,805 |
| Net charge-offs to loans | 1.0039% | 2,001 |
| Credit loss provision to net charge-offs | 85.1064% | 4,958 |
| Earnings coverage of net charge-offs (x) | -1.6064% | 6,514 |
| Efficiency ratio | 115.8463% | 436 |
| Assets per employee ($millions) | 1.8316% | 7,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8646% | 941 |
| Loan loss allowance to noncurrent loans | 163.8767% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5069% | 4,198 |
| Noncurrent loans to loans | 1.7480% | 4,018 |
| Net loans and leases to total assets | 45.9125% | 6,702 |
| Net loans and leases to deposits | 56.4991% | 6,579 |
| Net loans and leases to core deposits | 61.2687% | 6,520 |
| Total domestic deposits to total assets | 81.2623% | 5,275 |
| Equity capital to assets | 17.8933% | 420 |
| Core capital (leverage) ratio | 10.9420% | 2,302 |
| Tier 1 risk-based capital ratio | 15.8667% | 2,828 |
| Total risk-based capital ratio | 17.1292% | 2,766 |
| Memoranda: | ||
| Average total assets | $26,305,250 | 7,403 |
| Average earning assets | $23,236,500 | 7,405 |
| Average equity | $3,592,250 | 7,207 |
| Average total loans | $12,484,250 | 7,374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 2,084 |
| Cost of funding earning assets | 1.0867% | 5,751 |
| Net interest margin | 4.5267% | 1,151 |
| Noninterest income to average assets | 0.2701% | 5,989 |
| Noninterest expense to average assets | 4.4375% | 619 |
| Loan and lease loss provision to assets | 0.6174% | 2,315 |
| Net operating income to assets | -0.7023% | 6,811 |
| Return on assets (ROA) | -0.7023% | 6,822 |
| Pretax return on assets | -0.7023% | 6,724 |
| Return on Equity (ROE) | -5.7759% | 6,760 |
| Retained earnings to average equity (ytd only) | -5.7759% | 6,638 |
| Net charge-offs to loans | 1.3964% | 1,365 |
| Credit loss provision to net charge-offs | 93.0233% | 4,333 |
| Earnings coverage of net charge-offs (x) | -0.1279% | 5,825 |
| Efficiency ratio | 101.9504% | 738 |
| Assets per employee ($millions) | 2.0839% | 7,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 3,814 |
| Loan loss allowance to noncurrent loans | 276.9231% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 5,742 |
| Noncurrent loans to loans | 0.5493% | 6,154 |
| Net loans and leases to total assets | 39.9431% | 7,167 |
| Net loans and leases to deposits | 45.0236% | 7,288 |
| Net loans and leases to core deposits | 48.2566% | 7,274 |
| Total domestic deposits to total assets | 88.7160% | 1,592 |
| Equity capital to assets | 10.8453% | 3,032 |
| Core capital (leverage) ratio | 11.7784% | 1,765 |
| Tier 1 risk-based capital ratio | 16.7616% | 2,375 |
| Total risk-based capital ratio | 17.7864% | 2,410 |
| Memoranda: | ||
| Average total assets | $25,915,670 | 7,472 |
| Average earning assets | $23,372,670 | 7,459 |
| Average equity | $3,151,000 | 7,368 |
| Average total loans | $12,317,000 | 7,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9508% | 1,076 |
| Cost of funding earning assets | 1.1975% | 5,420 |
| Net interest margin | 4.7532% | 700 |
| Noninterest income to average assets | 0.2635% | 6,045 |
| Noninterest expense to average assets | 4.3152% | 711 |
| Loan and lease loss provision to assets | 1.3176% | 913 |
| Net operating income to assets | -1.1200% | 7,176 |
| Return on assets (ROA) | -1.1200% | 7,191 |
| Pretax return on assets | -1.1200% | 7,109 |
| Return on Equity (ROE) | -8.6500% | 7,085 |
| Retained earnings to average equity (ytd only) | -8.6500% | 6,876 |
| Net charge-offs to loans | 3.0576% | 500 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 4,919 |
| Efficiency ratio | 95.6204% | 1,048 |
| Assets per employee ($millions) | 2.2428% | 7,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,437 |
| Loan loss allowance to noncurrent loans | 105.5901% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.6173% | 4,064 |
| Noncurrent loans to loans | 1.3228% | 4,770 |
| Net loans and leases to total assets | 48.6442% | 6,611 |
| Net loans and leases to deposits | 56.0114% | 6,774 |
| Net loans and leases to core deposits | 60.9435% | 6,672 |
| Total domestic deposits to total assets | 86.8469% | 2,711 |
| Equity capital to assets | 12.6991% | 1,655 |
| Core capital (leverage) ratio | 12.1376% | 1,578 |
| Tier 1 risk-based capital ratio | 17.3517% | 2,123 |
| Total risk-based capital ratio | 18.3455% | 2,188 |
| Memoranda: | ||
| Average total assets | $24,286,500 | 7,613 |
| Average earning assets | $21,711,500 | 7,604 |
| Average equity | $3,144,500 | 7,450 |
| Average total loans | $12,559,000 | 7,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6295% | 531 |
| Cost of funding earning assets | 1.5916% | 5,064 |
| Net interest margin | 5.0379% | 414 |
| Noninterest income to average assets | 0.5672% | 3,891 |
| Noninterest expense to average assets | 4.4062% | 870 |
| Loan and lease loss provision to assets | 0.1110% | 6,537 |
| Net operating income to assets | 0.6165% | 3,270 |
| Return on assets (ROA) | 0.6165% | 3,339 |
| Pretax return on assets | 0.6165% | 3,862 |
| Return on Equity (ROE) | 5.2873% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.6881% | 1,983 |
| Net charge-offs to loans | 0.2817% | 4,871 |
| Credit loss provision to net charge-offs | 72.9730% | 6,432 |
| Earnings coverage of net charge-offs (x) | 4.7838% | 2,821 |
| Efficiency ratio | 85.8287% | 2,137 |
| Assets per employee ($millions) | 1.9918% | 7,734 |
| Cash dividends to net income (ytd only)* | 11.3333% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 4,045 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 4,435 |
| Noncurrent loans to loans | 1.6915% | 4,107 |
| Net loans and leases to total assets | 53.3888% | 6,263 |
| Net loans and leases to deposits | 62.4529% | 6,417 |
| Net loans and leases to core deposits | 85.2381% | 5,595 |
| Total domestic deposits to total assets | 85.4866% | 3,302 |
| Equity capital to assets | 13.2039% | 1,431 |
| Core capital (leverage) ratio | 12.5289% | 1,441 |
| Tier 1 risk-based capital ratio | 16.8536% | 2,185 |
| Total risk-based capital ratio | 17.8861% | 2,216 |
| Memoranda: | ||
| Average total assets | $24,329,400 | 7,658 |
| Average earning assets | $22,052,800 | 7,650 |
| Average equity | $2,837,000 | 7,634 |
| Average total loans | $13,133,000 | 7,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8613% | 381 |
| Cost of funding earning assets | 1.6582% | 5,119 |
| Net interest margin | 5.2031% | 300 |
| Noninterest income to average assets | 0.6165% | 3,576 |
| Noninterest expense to average assets | 4.3868% | 831 |
| Loan and lease loss provision to assets | 0.0273% | 7,077 |
| Net operating income to assets | 0.9276% | 2,314 |
| Return on assets (ROA) | 0.9276% | 2,383 |
| Pretax return on assets | 0.9276% | 3,138 |
| Return on Equity (ROE) | 8.2205% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.2205% | 1,074 |
| Net charge-offs to loans | 0.1011% | 5,662 |
| Credit loss provision to net charge-offs | 50.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | 17.5041% | 1,401 |
| Efficiency ratio | 82.1246% | 2,563 |
| Assets per employee ($millions) | 2.0244% | 7,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 3,882 |
| Loan loss allowance to noncurrent loans | 56.0117% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.8112% | 3,637 |
| Noncurrent loans to loans | 2.5207% | 2,987 |
| Net loans and leases to total assets | 54.9006% | 6,283 |
| Net loans and leases to deposits | 63.3346% | 6,552 |
| Net loans and leases to core deposits | 87.2327% | 5,726 |
| Total domestic deposits to total assets | 86.6834% | 2,337 |
| Equity capital to assets | 12.8185% | 1,777 |
| Core capital (leverage) ratio | 12.6232% | 1,530 |
| Tier 1 risk-based capital ratio | 17.2524% | 2,203 |
| Total risk-based capital ratio | 18.3247% | 2,204 |
| Memoranda: | ||
| Average total assets | $24,436,250 | 7,729 |
| Average earning assets | $22,191,500 | 7,715 |
| Average equity | $2,757,250 | 7,730 |
| Average total loans | $13,179,500 | 7,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8150% | 440 |
| Cost of funding earning assets | 1.7015% | 5,266 |
| Net interest margin | 5.1135% | 349 |
| Noninterest income to average assets | 0.6045% | 3,651 |
| Noninterest expense to average assets | 4.4519% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7924% | 2,882 |
| Return on assets (ROA) | 0.7924% | 2,975 |
| Pretax return on assets | 0.7924% | 3,696 |
| Return on Equity (ROE) | 7.3531% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.3531% | 1,448 |
| Net charge-offs to loans | 0.1531% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.7000% | 2,087 |
| Efficiency ratio | 84.8910% | 2,374 |
| Assets per employee ($millions) | 2.0219% | 7,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,954 |
| Loan loss allowance to noncurrent loans | 71.2644% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 4,011 |
| Noncurrent loans to loans | 1.9025% | 3,666 |
| Net loans and leases to total assets | 55.7763% | 6,231 |
| Net loans and leases to deposits | 65.2476% | 6,460 |
| Net loans and leases to core deposits | 87.4903% | 5,767 |
| Total domestic deposits to total assets | 85.4841% | 3,023 |
| Equity capital to assets | 11.6103% | 2,462 |
| Core capital (leverage) ratio | 12.3732% | 1,662 |
| Tier 1 risk-based capital ratio | 15.5815% | 2,784 |
| Total risk-based capital ratio | 16.5472% | 2,825 |
| Memoranda: | ||
| Average total assets | $24,484,000 | 7,803 |
| Average earning assets | $22,215,670 | 7,782 |
| Average equity | $2,638,330 | 7,842 |
| Average total loans | $13,063,330 | 7,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8917% | 2,839 |
| Cost of funding earning assets | 1.7603% | 5,311 |
| Net interest margin | 4.1314% | 2,160 |
| Noninterest income to average assets | 0.7969% | 2,345 |
| Noninterest expense to average assets | 4.5701% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0325% | 6,305 |
| Return on assets (ROA) | -0.0325% | 6,436 |
| Pretax return on assets | -0.0325% | 6,415 |
| Return on Equity (ROE) | -0.3138% | 6,444 |
| Retained earnings to average equity (ytd only) | -0.3138% | 5,715 |
| Net charge-offs to loans | -0.0942% | 7,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7168% | 1,102 |
| Assets per employee ($millions) | 1.8334% | 8,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 2,597 |
| Loan loss allowance to noncurrent loans | 28.6331% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 3.3314% | 1,640 |
| Noncurrent loans to loans | 5.5207% | 925 |
| Net loans and leases to total assets | 51.9846% | 6,682 |
| Net loans and leases to deposits | 58.4186% | 7,008 |
| Net loans and leases to core deposits | 77.6851% | 6,558 |
| Total domestic deposits to total assets | 88.9863% | 1,234 |
| Equity capital to assets | 10.4640% | 3,495 |
| Core capital (leverage) ratio | 11.8652% | 1,967 |
| Tier 1 risk-based capital ratio | 15.5054% | 2,854 |
| Total risk-based capital ratio | 16.5687% | 2,868 |
| Memoranda: | ||
| Average total assets | $24,594,500 | 7,847 |
| Average earning assets | $22,268,500 | 7,833 |
| Average equity | $2,549,000 | 7,921 |
| Average total loans | $12,735,500 | 7,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1443% | 825 |
| Cost of funding earning assets | 2.4803% | 4,314 |
| Net interest margin | 4.6641% | 1,035 |
| Noninterest income to average assets | 0.6986% | 3,133 |
| Noninterest expense to average assets | 4.1991% | 1,149 |
| Loan and lease loss provision to assets | -0.1222% | 8,260 |
| Net operating income to assets | 0.8856% | 3,061 |
| Return on assets (ROA) | 0.8856% | 2,902 |
| Pretax return on assets | 0.8856% | 3,769 |
| Return on Equity (ROE) | 8.7567% | 2,728 |
| Retained earnings to average equity (ytd only) | 4.6048% | 2,261 |
| Net charge-offs to loans | 0.1629% | 4,569 |
| Credit loss provision to net charge-offs | -145.4545% | 7,335 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 2,757 |
| Efficiency ratio | 84.6154% | 1,996 |
| Assets per employee ($millions) | 2.3050% | 7,554 |
| Cash dividends to net income (ytd only)* | 47.4138% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 2,611 |
| Loan loss allowance to noncurrent loans | 39.0782% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 2.3585% | 2,057 |
| Noncurrent loans to loans | 3.8736% | 1,279 |
| Net loans and leases to total assets | 50.0375% | 7,031 |
| Net loans and leases to deposits | 57.7154% | 7,226 |
| Net loans and leases to core deposits | 77.6153% | 6,765 |
| Total domestic deposits to total assets | 86.6969% | 2,096 |
| Equity capital to assets | 10.2702% | 3,741 |
| Core capital (leverage) ratio | 11.3296% | 2,350 |
| Tier 1 risk-based capital ratio | 15.3270% | 2,911 |
| Total risk-based capital ratio | 16.3562% | 2,919 |
| Memoranda: | ||
| Average total assets | $26,196,200 | 7,798 |
| Average earning assets | $23,949,000 | 7,785 |
| Average equity | $2,649,400 | 7,942 |
| Average total loans | $13,503,000 | 7,736 |