Home > POINTWEST BANK > Performance and Condition Ratios
POINTWEST BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,053 |
| Cost of funding earning assets | 0.2630% | 4,402 |
| Net interest margin | 3.6668% | 1,818 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.5863% | 2,050 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7692% | 641 |
| Return on assets (ROA) | 1.7692% | 612 |
| Pretax return on assets | 1.7692% | 924 |
| Return on Equity (ROE) | 39.1900% | 88 |
| Retained earnings to average equity (ytd only) | 24.7732% | 74 |
| Net charge-offs to loans | 0.0960% | 934 |
| Credit loss provision to net charge-offs | 128.2051% | 1,610 |
| Earnings coverage of net charge-offs (x) | 67.5128% | 1,121 |
| Efficiency ratio | 58.9171% | 3,198 |
| Assets per employee ($millions) | 5.2315% | 3,446 |
| Cash dividends to net income (ytd only)* | 36.7789% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 2,995 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.2200% | 4,271 |
| Net loans and leases to deposits | 33.9206% | 4,306 |
| Net loans and leases to core deposits | 34.4065% | 4,359 |
| Total domestic deposits to total assets | 92.0500% | 299 |
| Equity capital to assets | 6.2285% | 4,187 |
| Core capital (leverage) ratio | 10.4922% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4159% | 266 |
| Memoranda: | ||
| Average total assets | $146,002,200 | 3,404 |
| Average earning assets | $139,169,200 | 3,352 |
| Average equity | $6,591,800 | 4,099 |
| Average total loans | $40,644,600 | 3,985 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 4,019 |
| Cost of funding earning assets | 0.2647% | 4,390 |
| Net interest margin | 3.6220% | 1,941 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.5490% | 2,088 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7535% | 721 |
| Return on assets (ROA) | 1.7535% | 708 |
| Pretax return on assets | 1.7535% | 1,077 |
| Return on Equity (ROE) | 42.5400% | 106 |
| Retained earnings to average equity (ytd only) | 26.2010% | 123 |
| Net charge-offs to loans | 0.1397% | 585 |
| Credit loss provision to net charge-offs | 119.0476% | 1,490 |
| Earnings coverage of net charge-offs (x) | 47.6905% | 1,335 |
| Efficiency ratio | 58.6328% | 3,133 |
| Assets per employee ($millions) | 5.8932% | 2,842 |
| Cash dividends to net income (ytd only)* | 38.4025% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,815 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.4100% | 4,369 |
| Net loans and leases to deposits | 27.9529% | 4,403 |
| Net loans and leases to core deposits | 28.3344% | 4,402 |
| Total domestic deposits to total assets | 94.4700% | 148 |
| Equity capital to assets | 3.4518% | 4,461 |
| Core capital (leverage) ratio | 8.7276% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0375% | 318 |
| Memoranda: | ||
| Average total assets | $148,498,000 | 3,389 |
| Average earning assets | $141,539,250 | 3,335 |
| Average equity | $6,121,750 | 4,154 |
| Average total loans | $40,073,750 | 4,001 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,106 |
| Cost of funding earning assets | 0.2532% | 4,377 |
| Net interest margin | 3.4814% | 2,305 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.5660% | 2,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6880% | 802 |
| Return on assets (ROA) | 1.6880% | 806 |
| Pretax return on assets | 1.6880% | 1,239 |
| Return on Equity (ROE) | 38.7500% | 114 |
| Retained earnings to average equity (ytd only) | 21.5647% | 200 |
| Net charge-offs to loans | 0.0452% | 1,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 137.7778% | 785 |
| Efficiency ratio | 60.3200% | 2,927 |
| Assets per employee ($millions) | 5.8956% | 2,800 |
| Cash dividends to net income (ytd only)* | 44.3548% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,057 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 25.6800% | 4,399 |
| Net loans and leases to deposits | 27.2704% | 4,424 |
| Net loans and leases to core deposits | 27.5724% | 4,427 |
| Total domestic deposits to total assets | 94.1700% | 140 |
| Equity capital to assets | 3.9961% | 4,504 |
| Core capital (leverage) ratio | 8.6211% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8915% | 356 |
| Memoranda: | ||
| Average total assets | $146,922,667 | 3,411 |
| Average earning assets | $139,829,667 | 3,369 |
| Average equity | $6,399,333 | 4,153 |
| Average total loans | $39,792,667 | 4,018 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 4,200 |
| Cost of funding earning assets | 0.1437% | 4,470 |
| Net interest margin | 3.4190% | 2,583 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 2.5314% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7898% | 686 |
| Return on assets (ROA) | 1.7898% | 676 |
| Pretax return on assets | 1.7898% | 1,083 |
| Return on Equity (ROE) | 39.2600% | 116 |
| Retained earnings to average equity (ytd only) | 29.9135% | 115 |
| Net charge-offs to loans | 0.0102% | 1,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 630.0000% | 180 |
| Efficiency ratio | 58.5799% | 3,121 |
| Assets per employee ($millions) | 5.4083% | 3,310 |
| Cash dividends to net income (ytd only)* | 23.8095% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,824 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 27.7800% | 4,407 |
| Net loans and leases to deposits | 30.2539% | 4,443 |
| Net loans and leases to core deposits | 30.5829% | 4,453 |
| Total domestic deposits to total assets | 91.8200% | 561 |
| Equity capital to assets | 5.1011% | 4,406 |
| Core capital (leverage) ratio | 9.3374% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1517% | 971 |
| Memoranda: | ||
| Average total assets | $140,794,000 | 3,514 |
| Average earning assets | $133,605,000 | 3,474 |
| Average equity | $6,418,500 | 4,202 |
| Average total loans | $39,027,500 | 4,085 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 4,206 |
| Cost of funding earning assets | 0.1088% | 4,352 |
| Net interest margin | 2.8260% | 3,837 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.5508% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0331% | 2,442 |
| Return on assets (ROA) | 1.0375% | 2,368 |
| Pretax return on assets | 1.0375% | 2,952 |
| Return on Equity (ROE) | 19.1000% | 561 |
| Retained earnings to average equity (ytd only) | 12.3964% | 607 |
| Net charge-offs to loans | 0.0415% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 94.5333% | 997 |
| Efficiency ratio | 71.1730% | 1,545 |
| Assets per employee ($millions) | 5.2211% | 3,495 |
| Cash dividends to net income (ytd only)* | 35.1124% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,485 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.0200% | 4,460 |
| Net loans and leases to deposits | 28.4408% | 4,498 |
| Net loans and leases to core deposits | 28.6324% | 4,500 |
| Total domestic deposits to total assets | 94.9900% | 142 |
| Equity capital to assets | 4.0178% | 4,518 |
| Core capital (leverage) ratio | 8.8041% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8886% | 376 |
| Memoranda: | ||
| Average total assets | $137,253,600 | 3,561 |
| Average earning assets | $130,465,800 | 3,527 |
| Average equity | $7,453,800 | 4,155 |
| Average total loans | $36,120,000 | 4,135 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7384% | 4,259 |
| Cost of funding earning assets | 0.1050% | 4,244 |
| Net interest margin | 2.6334% | 4,051 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.5439% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8558% | 3,043 |
| Return on assets (ROA) | 0.8616% | 3,003 |
| Pretax return on assets | 0.8616% | 3,445 |
| Return on Equity (ROE) | 14.8700% | 1,208 |
| Retained earnings to average equity (ytd only) | 10.6478% | 1,154 |
| Net charge-offs to loans | 0.1840% | 366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,778 |
| Efficiency ratio | 74.8274% | 1,195 |
| Assets per employee ($millions) | 4.8834% | 3,778 |
| Cash dividends to net income (ytd only)* | 28.3768% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,734 |
| Loan loss allowance to noncurrent loans | 21,050.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,021 |
| Noncurrent loans to loans | 0.0055% | 3,917 |
| Net loans and leases to total assets | 25.3000% | 4,521 |
| Net loans and leases to deposits | 26.6208% | 4,555 |
| Net loans and leases to core deposits | 26.7990% | 4,554 |
| Total domestic deposits to total assets | 95.0300% | 217 |
| Equity capital to assets | 3.8074% | 4,497 |
| Core capital (leverage) ratio | 8.3599% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4350% | 411 |
| Memoranda: | ||
| Average total assets | $136,324,250 | 3,593 |
| Average earning assets | $129,464,250 | 3,556 |
| Average equity | $7,901,250 | 4,144 |
| Average total loans | $35,515,250 | 4,168 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5370% | 4,342 |
| Cost of funding earning assets | 0.0938% | 4,258 |
| Net interest margin | 2.4432% | 4,174 |
| Noninterest income to average assets | 0.8829% | 874 |
| Noninterest expense to average assets | 2.5610% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6451% | 3,492 |
| Return on assets (ROA) | 0.6540% | 3,413 |
| Pretax return on assets | 0.6540% | 3,703 |
| Return on Equity (ROE) | 10.0713% | 2,309 |
| Retained earnings to average equity (ytd only) | 7.2102% | 1,912 |
| Net charge-offs to loans | 0.0397% | 990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 1,065 |
| Efficiency ratio | 79.8795% | 960 |
| Assets per employee ($millions) | 4.8438% | 3,818 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 25.9375% | 4,562 |
| Net loans and leases to deposits | 27.6761% | 4,590 |
| Net loans and leases to core deposits | 27.8722% | 4,601 |
| Total domestic deposits to total assets | 93.7180% | 333 |
| Equity capital to assets | 4.7203% | 4,530 |
| Core capital (leverage) ratio | 8.7519% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1262% | 359 |
| Memoranda: | ||
| Average total assets | $134,559,333 | 3,655 |
| Average earning assets | $127,945,000 | 3,620 |
| Average equity | $8,737,667 | 4,127 |
| Average total loans | $35,271,333 | 4,227 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4092% | 4,369 |
| Cost of funding earning assets | 0.0971% | 4,169 |
| Net interest margin | 2.3121% | 4,217 |
| Noninterest income to average assets | 0.8715% | 883 |
| Noninterest expense to average assets | 2.5697% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5044% | 3,703 |
| Return on assets (ROA) | 0.5223% | 3,612 |
| Pretax return on assets | 0.5223% | 3,831 |
| Return on Equity (ROE) | 7.0668% | 3,022 |
| Retained earnings to average equity (ytd only) | 5.0477% | 2,577 |
| Net charge-offs to loans | 0.0342% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 877 |
| Efficiency ratio | 83.5922% | 881 |
| Assets per employee ($millions) | 4.6417% | 4,045 |
| Cash dividends to net income (ytd only)* | 28.5714% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.8859% | 4,568 |
| Net loans and leases to deposits | 27.9978% | 4,598 |
| Net loans and leases to core deposits | 28.2002% | 4,609 |
| Total domestic deposits to total assets | 92.4567% | 417 |
| Equity capital to assets | 6.4653% | 4,436 |
| Core capital (leverage) ratio | 8.5569% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1996% | 374 |
| Memoranda: | ||
| Average total assets | $134,026,000 | 3,679 |
| Average earning assets | $127,676,500 | 3,641 |
| Average equity | $9,905,500 | 4,066 |
| Average total loans | $35,086,500 | 4,248 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5062% | 4,475 |
| Cost of funding earning assets | 0.1315% | 4,139 |
| Net interest margin | 2.3748% | 4,350 |
| Noninterest income to average assets | 0.9426% | 1,108 |
| Noninterest expense to average assets | 2.6017% | 1,864 |
| Loan and lease loss provision to assets | 0.0039% | 2,996 |
| Net operating income to assets | 0.5856% | 3,908 |
| Return on assets (ROA) | 0.6530% | 3,799 |
| Pretax return on assets | 0.6530% | 4,028 |
| Return on Equity (ROE) | 7.3674% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.2755% | 3,097 |
| Net charge-offs to loans | -0.0377% | 4,202 |
| Credit loss provision to net charge-offs | -35.7143% | 3,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5260% | 717 |
| Assets per employee ($millions) | 4.6014% | 4,035 |
| Cash dividends to net income (ytd only)* | 41.9664% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 2,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 25.7722% | 4,630 |
| Net loans and leases to deposits | 28.4188% | 4,655 |
| Net loans and leases to core deposits | 28.5395% | 4,666 |
| Total domestic deposits to total assets | 90.6873% | 626 |
| Equity capital to assets | 8.3242% | 4,163 |
| Core capital (leverage) ratio | 8.6103% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8298% | 354 |
| Memoranda: | ||
| Average total assets | $127,725,200 | 3,707 |
| Average earning assets | $120,938,000 | 3,677 |
| Average equity | $11,320,200 | 4,002 |
| Average total loans | $37,168,200 | 4,246 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4323% | 4,613 |
| Cost of funding earning assets | 0.1374% | 4,211 |
| Net interest margin | 2.2949% | 4,495 |
| Noninterest income to average assets | 0.9459% | 1,158 |
| Noninterest expense to average assets | 2.5991% | 1,839 |
| Loan and lease loss provision to assets | 0.0055% | 2,866 |
| Net operating income to assets | 0.5099% | 4,180 |
| Return on assets (ROA) | 0.6007% | 4,052 |
| Pretax return on assets | 0.6007% | 4,232 |
| Return on Equity (ROE) | 6.6705% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.0878% | 3,185 |
| Net charge-offs to loans | -0.0848% | 4,549 |
| Credit loss provision to net charge-offs | -20.8333% | 3,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4576% | 551 |
| Assets per employee ($millions) | 4.5920% | 4,054 |
| Cash dividends to net income (ytd only)* | 23.7258% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 26.2313% | 4,697 |
| Net loans and leases to deposits | 29.0807% | 4,720 |
| Net loans and leases to core deposits | 29.2049% | 4,740 |
| Total domestic deposits to total assets | 90.2019% | 683 |
| Equity capital to assets | 8.7122% | 4,058 |
| Core capital (leverage) ratio | 8.7775% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8911% | 380 |
| Memoranda: | ||
| Average total assets | $126,296,000 | 3,762 |
| Average earning assets | $119,335,000 | 3,731 |
| Average equity | $11,373,250 | 4,048 |
| Average total loans | $37,745,000 | 4,293 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3794% | 4,683 |
| Cost of funding earning assets | 0.1455% | 4,243 |
| Net interest margin | 2.2339% | 4,572 |
| Noninterest income to average assets | 0.9548% | 1,148 |
| Noninterest expense to average assets | 2.6612% | 1,687 |
| Loan and lease loss provision to assets | 0.0081% | 2,753 |
| Net operating income to assets | 0.3903% | 4,406 |
| Return on assets (ROA) | 0.5290% | 4,209 |
| Pretax return on assets | 0.5290% | 4,338 |
| Return on Equity (ROE) | 5.8069% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.2135% | 3,454 |
| Net charge-offs to loans | -0.1350% | 4,705 |
| Credit loss provision to net charge-offs | -19.2308% | 2,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9794% | 440 |
| Assets per employee ($millions) | 4.7288% | 3,905 |
| Cash dividends to net income (ytd only)* | 27.4390% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.5141% | 4,663 |
| Net loans and leases to deposits | 32.7815% | 4,711 |
| Net loans and leases to core deposits | 32.9273% | 4,731 |
| Total domestic deposits to total assets | 90.0327% | 761 |
| Equity capital to assets | 8.8833% | 3,907 |
| Core capital (leverage) ratio | 8.8683% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2863% | 415 |
| Memoranda: | ||
| Average total assets | $124,005,000 | 3,811 |
| Average earning assets | $116,838,333 | 3,776 |
| Average equity | $11,297,000 | 4,063 |
| Average total loans | $38,522,667 | 4,314 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4733% | 4,662 |
| Cost of funding earning assets | 0.1548% | 4,272 |
| Net interest margin | 2.3185% | 4,508 |
| Noninterest income to average assets | 0.9593% | 1,206 |
| Noninterest expense to average assets | 2.6193% | 1,834 |
| Loan and lease loss provision to assets | 0.0164% | 2,562 |
| Net operating income to assets | 0.4813% | 4,208 |
| Return on assets (ROA) | 0.6810% | 3,819 |
| Pretax return on assets | 0.6810% | 4,056 |
| Return on Equity (ROE) | 7.3674% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.4819% | 2,736 |
| Net charge-offs to loans | -0.1550% | 4,741 |
| Credit loss provision to net charge-offs | -33.3333% | 2,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0336% | 595 |
| Assets per employee ($millions) | 4.2787% | 4,287 |
| Cash dividends to net income (ytd only)* | 12.0192% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.7301% | 4,701 |
| Net loans and leases to deposits | 33.1378% | 4,741 |
| Net loans and leases to core deposits | 33.2897% | 4,770 |
| Total domestic deposits to total assets | 89.7166% | 955 |
| Equity capital to assets | 9.1149% | 3,576 |
| Core capital (leverage) ratio | 9.3232% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0081% | 403 |
| Memoranda: | ||
| Average total assets | $122,168,500 | 3,837 |
| Average earning assets | $113,693,500 | 3,817 |
| Average equity | $11,293,000 | 4,076 |
| Average total loans | $38,701,500 | 4,326 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 4,207 |
| Cost of funding earning assets | 0.2483% | 4,382 |
| Net interest margin | 3.1417% | 3,516 |
| Noninterest income to average assets | 0.9838% | 1,074 |
| Noninterest expense to average assets | 2.9363% | 1,582 |
| Loan and lease loss provision to assets | 0.0668% | 3,542 |
| Net operating income to assets | 0.8671% | 2,837 |
| Return on assets (ROA) | 0.8787% | 2,929 |
| Pretax return on assets | 0.8787% | 3,429 |
| Return on Equity (ROE) | 8.9370% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.1784% | 2,726 |
| Net charge-offs to loans | 0.1007% | 1,463 |
| Credit loss provision to net charge-offs | 178.5714% | 2,273 |
| Earnings coverage of net charge-offs (x) | 24.9524% | 1,756 |
| Efficiency ratio | 75.8692% | 1,248 |
| Assets per employee ($millions) | 4.2948% | 4,127 |
| Cash dividends to net income (ytd only)* | 53.2454% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.9228% | 4,680 |
| Net loans and leases to deposits | 37.0162% | 4,719 |
| Net loans and leases to core deposits | 37.1925% | 4,756 |
| Total domestic deposits to total assets | 88.9417% | 1,012 |
| Equity capital to assets | 9.3768% | 3,720 |
| Core capital (leverage) ratio | 9.1684% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1974% | 494 |
| Memoranda: | ||
| Average total assets | $112,216,800 | 3,853 |
| Average earning assets | $103,095,600 | 3,858 |
| Average equity | $11,032,800 | 4,074 |
| Average total loans | $41,725,000 | 4,278 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 4,311 |
| Cost of funding earning assets | 0.2680% | 4,440 |
| Net interest margin | 3.1632% | 3,581 |
| Noninterest income to average assets | 0.9775% | 1,066 |
| Noninterest expense to average assets | 2.7995% | 1,967 |
| Loan and lease loss provision to assets | 0.0726% | 3,414 |
| Net operating income to assets | 1.0041% | 2,324 |
| Return on assets (ROA) | 1.0199% | 2,390 |
| Pretax return on assets | 1.0199% | 2,995 |
| Return on Equity (ROE) | 10.2440% | 1,935 |
| Retained earnings to average equity (ytd only) | 6.2339% | 2,004 |
| Net charge-offs to loans | 0.0791% | 1,517 |
| Credit loss provision to net charge-offs | 240.0000% | 1,960 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,445 |
| Efficiency ratio | 72.2222% | 1,616 |
| Assets per employee ($millions) | 3.9007% | 4,407 |
| Cash dividends to net income (ytd only)* | 39.1459% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 37.0640% | 4,639 |
| Net loans and leases to deposits | 41.9980% | 4,697 |
| Net loans and leases to core deposits | 42.2048% | 4,742 |
| Total domestic deposits to total assets | 88.2518% | 1,085 |
| Equity capital to assets | 9.7811% | 3,447 |
| Core capital (leverage) ratio | 9.6602% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3334% | 555 |
| Memoranda: | ||
| Average total assets | $110,207,500 | 3,875 |
| Average earning assets | $100,992,500 | 3,878 |
| Average equity | $10,972,000 | 4,088 |
| Average total loans | $42,145,750 | 4,299 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 4,320 |
| Cost of funding earning assets | 0.2919% | 4,506 |
| Net interest margin | 3.2741% | 3,449 |
| Noninterest income to average assets | 0.9858% | 1,013 |
| Noninterest expense to average assets | 2.8535% | 1,966 |
| Loan and lease loss provision to assets | 0.1112% | 2,899 |
| Net operating income to assets | 1.0136% | 2,274 |
| Return on assets (ROA) | 1.0377% | 2,329 |
| Pretax return on assets | 1.0377% | 2,907 |
| Return on Equity (ROE) | 10.3569% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.1032% | 2,032 |
| Net charge-offs to loans | 0.1731% | 861 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 16.8611% | 1,839 |
| Efficiency ratio | 71.7280% | 1,728 |
| Assets per employee ($millions) | 4.0777% | 4,230 |
| Cash dividends to net income (ytd only)* | 41.0714% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 37.3082% | 4,693 |
| Net loans and leases to deposits | 42.1677% | 4,741 |
| Net loans and leases to core deposits | 42.3796% | 4,789 |
| Total domestic deposits to total assets | 88.4757% | 956 |
| Equity capital to assets | 9.8970% | 3,291 |
| Core capital (leverage) ratio | 9.7114% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5163% | 540 |
| Memoranda: | ||
| Average total assets | $107,936,000 | 3,893 |
| Average earning assets | $98,654,333 | 3,897 |
| Average equity | $10,814,000 | 4,115 |
| Average total loans | $41,585,667 | 4,319 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,307 |
| Cost of funding earning assets | 0.3048% | 4,647 |
| Net interest margin | 3.4410% | 3,184 |
| Noninterest income to average assets | 1.0685% | 744 |
| Noninterest expense to average assets | 2.9843% | 1,918 |
| Loan and lease loss provision to assets | 0.1908% | 1,574 |
| Net operating income to assets | 1.0380% | 2,048 |
| Return on assets (ROA) | 1.0876% | 1,983 |
| Pretax return on assets | 1.0876% | 2,564 |
| Return on Equity (ROE) | 10.7842% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.8651% | 1,930 |
| Net charge-offs to loans | 0.4210% | 348 |
| Credit loss provision to net charge-offs | 116.2791% | 1,719 |
| Earnings coverage of net charge-offs (x) | 7.4884% | 1,917 |
| Efficiency ratio | 70.8333% | 2,243 |
| Assets per employee ($millions) | 3.5331% | 4,453 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 37.5500% | 4,739 |
| Net loans and leases to deposits | 42.5041% | 4,790 |
| Net loans and leases to core deposits | 42.7934% | 4,827 |
| Total domestic deposits to total assets | 88.3444% | 956 |
| Equity capital to assets | 10.2489% | 3,558 |
| Core capital (leverage) ratio | 10.3103% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1051% | 490 |
| Memoranda: | ||
| Average total assets | $104,816,000 | 3,917 |
| Average earning assets | $95,785,000 | 3,930 |
| Average equity | $10,571,000 | 4,173 |
| Average total loans | $40,859,000 | 4,356 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 4,342 |
| Cost of funding earning assets | 0.3352% | 4,643 |
| Net interest margin | 3.6186% | 3,082 |
| Noninterest income to average assets | 1.2853% | 571 |
| Noninterest expense to average assets | 3.3156% | 1,265 |
| Loan and lease loss provision to assets | 0.0439% | 3,135 |
| Net operating income to assets | 1.2305% | 1,946 |
| Return on assets (ROA) | 1.2494% | 1,960 |
| Pretax return on assets | 1.2494% | 2,671 |
| Return on Equity (ROE) | 12.9426% | 1,181 |
| Retained earnings to average equity (ytd only) | 7.7780% | 1,050 |
| Net charge-offs to loans | 0.0712% | 2,081 |
| Credit loss provision to net charge-offs | 151.7241% | 1,682 |
| Earnings coverage of net charge-offs (x) | 44.0690% | 1,227 |
| Efficiency ratio | 72.2355% | 1,837 |
| Assets per employee ($millions) | 3.3432% | 4,613 |
| Cash dividends to net income (ytd only)* | 39.9042% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.6314% | 4,746 |
| Net loans and leases to deposits | 44.6568% | 4,815 |
| Net loans and leases to core deposits | 44.7800% | 4,858 |
| Total domestic deposits to total assets | 88.7466% | 767 |
| Equity capital to assets | 9.9180% | 3,992 |
| Core capital (leverage) ratio | 10.4708% | 2,982 |
| Tier 1 risk-based capital ratio | 22.5013% | 965 |
| Total risk-based capital ratio | 23.3950% | 981 |
| Memoranda: | ||
| Average total assets | $100,284,800 | 3,998 |
| Average earning assets | $91,582,200 | 4,021 |
| Average equity | $9,681,200 | 4,286 |
| Average total loans | $40,712,600 | 4,392 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 4,409 |
| Cost of funding earning assets | 0.3487% | 4,662 |
| Net interest margin | 3.6278% | 3,179 |
| Noninterest income to average assets | 1.3354% | 527 |
| Noninterest expense to average assets | 3.2379% | 1,393 |
| Loan and lease loss provision to assets | 0.0456% | 2,989 |
| Net operating income to assets | 1.3582% | 1,623 |
| Return on assets (ROA) | 1.3582% | 1,683 |
| Pretax return on assets | 1.3582% | 2,469 |
| Return on Equity (ROE) | 14.1698% | 949 |
| Retained earnings to average equity (ytd only) | 10.1134% | 726 |
| Net charge-offs to loans | 0.0987% | 1,487 |
| Credit loss provision to net charge-offs | 113.3333% | 2,052 |
| Earnings coverage of net charge-offs (x) | 34.8993% | 1,482 |
| Efficiency ratio | 69.7574% | 2,151 |
| Assets per employee ($millions) | 3.1724% | 4,774 |
| Cash dividends to net income (ytd only)* | 28.6281% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 41.3166% | 4,771 |
| Net loans and leases to deposits | 46.9544% | 4,844 |
| Net loans and leases to core deposits | 47.0921% | 4,892 |
| Total domestic deposits to total assets | 87.9930% | 1,038 |
| Equity capital to assets | 10.4522% | 3,584 |
| Core capital (leverage) ratio | 10.8325% | 2,807 |
| Tier 1 risk-based capital ratio | 22.3001% | 1,033 |
| Total risk-based capital ratio | 23.1649% | 1,054 |
| Memoranda: | ||
| Average total assets | $99,446,000 | 4,052 |
| Average earning assets | $90,630,250 | 4,083 |
| Average equity | $9,531,750 | 4,350 |
| Average total loans | $40,517,750 | 4,453 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 4,468 |
| Cost of funding earning assets | 0.3610% | 4,648 |
| Net interest margin | 3.5966% | 3,266 |
| Noninterest income to average assets | 1.4166% | 437 |
| Noninterest expense to average assets | 3.2641% | 1,351 |
| Loan and lease loss provision to assets | 0.0281% | 3,261 |
| Net operating income to assets | 1.3986% | 1,444 |
| Return on assets (ROA) | 1.3986% | 1,499 |
| Pretax return on assets | 1.3986% | 2,214 |
| Return on Equity (ROE) | 15.0388% | 748 |
| Retained earnings to average equity (ytd only) | 10.7297% | 596 |
| Net charge-offs to loans | 0.0892% | 1,474 |
| Credit loss provision to net charge-offs | 77.7778% | 2,247 |
| Earnings coverage of net charge-offs (x) | 39.5556% | 1,257 |
| Efficiency ratio | 69.5856% | 2,294 |
| Assets per employee ($millions) | 3.3675% | 4,646 |
| Cash dividends to net income (ytd only)* | 28.6533% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 40.9890% | 4,823 |
| Net loans and leases to deposits | 46.4137% | 4,889 |
| Net loans and leases to core deposits | 46.5497% | 4,940 |
| Total domestic deposits to total assets | 88.3123% | 960 |
| Equity capital to assets | 10.2634% | 3,733 |
| Core capital (leverage) ratio | 10.3828% | 3,206 |
| Tier 1 risk-based capital ratio | 22.1671% | 1,033 |
| Total risk-based capital ratio | 23.0284% | 1,055 |
| Memoranda: | ||
| Average total assets | $99,813,670 | 4,071 |
| Average earning assets | $90,864,330 | 4,100 |
| Average equity | $9,282,670 | 4,397 |
| Average total loans | $40,344,000 | 4,490 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 4,554 |
| Cost of funding earning assets | 0.3575% | 4,653 |
| Net interest margin | 3.5403% | 3,462 |
| Noninterest income to average assets | 1.0387% | 742 |
| Noninterest expense to average assets | 3.2153% | 1,466 |
| Loan and lease loss provision to assets | 0.0555% | 2,559 |
| Net operating income to assets | 0.9872% | 2,901 |
| Return on assets (ROA) | 0.9872% | 2,939 |
| Pretax return on assets | 0.9872% | 3,485 |
| Return on Equity (ROE) | 11.1753% | 1,881 |
| Retained earnings to average equity (ytd only) | 6.6872% | 2,161 |
| Net charge-offs to loans | -0.0695% | 4,928 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5121% | 1,556 |
| Assets per employee ($millions) | 3.2028% | 4,829 |
| Cash dividends to net income (ytd only)* | 40.1606% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,397 |
| Loan loss allowance to noncurrent loans | 3,854.5455% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,821 |
| Noncurrent loans to loans | 0.0273% | 4,659 |
| Net loans and leases to total assets | 40.1738% | 4,882 |
| Net loans and leases to deposits | 47.0621% | 4,896 |
| Net loans and leases to core deposits | 47.3509% | 4,953 |
| Total domestic deposits to total assets | 85.3635% | 2,537 |
| Equity capital to assets | 9.1302% | 4,589 |
| Core capital (leverage) ratio | 9.9377% | 3,671 |
| Tier 1 risk-based capital ratio | 20.8368% | 1,189 |
| Total risk-based capital ratio | 21.7274% | 1,231 |
| Memoranda: | ||
| Average total assets | $100,891,500 | 4,092 |
| Average earning assets | $91,744,500 | 4,114 |
| Average equity | $8,912,500 | 4,473 |
| Average total loans | $40,302,000 | 4,529 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,578 |
| Cost of funding earning assets | 0.3136% | 4,499 |
| Net interest margin | 3.4420% | 3,872 |
| Noninterest income to average assets | 1.0894% | 783 |
| Noninterest expense to average assets | 3.2324% | 1,468 |
| Loan and lease loss provision to assets | 0.0696% | 2,744 |
| Net operating income to assets | 0.9512% | 3,225 |
| Return on assets (ROA) | 0.9512% | 3,220 |
| Pretax return on assets | 0.9512% | 3,754 |
| Return on Equity (ROE) | 11.2562% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.2574% | 2,053 |
| Net charge-offs to loans | 0.1010% | 1,750 |
| Credit loss provision to net charge-offs | 179.4872% | 1,578 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,728 |
| Efficiency ratio | 75.9991% | 1,369 |
| Assets per employee ($millions) | 3.1060% | 4,920 |
| Cash dividends to net income (ytd only)* | 44.4096% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 38.9182% | 4,983 |
| Net loans and leases to deposits | 44.8595% | 5,010 |
| Net loans and leases to core deposits | 45.1219% | 5,057 |
| Total domestic deposits to total assets | 86.7557% | 1,892 |
| Equity capital to assets | 8.5466% | 4,900 |
| Core capital (leverage) ratio | 9.5467% | 4,063 |
| Tier 1 risk-based capital ratio | 19.9853% | 1,310 |
| Total risk-based capital ratio | 20.8095% | 1,361 |
| Memoranda: | ||
| Average total assets | $100,607,000 | 4,088 |
| Average earning assets | $92,476,200 | 4,090 |
| Average equity | $8,502,000 | 4,527 |
| Average total loans | $38,612,200 | 4,595 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,601 |
| Cost of funding earning assets | 0.3101% | 4,451 |
| Net interest margin | 3.4170% | 3,956 |
| Noninterest income to average assets | 1.0839% | 802 |
| Noninterest expense to average assets | 3.0492% | 1,879 |
| Loan and lease loss provision to assets | 0.0706% | 2,553 |
| Net operating income to assets | 1.1038% | 2,647 |
| Return on assets (ROA) | 1.1038% | 2,661 |
| Pretax return on assets | 1.1038% | 3,383 |
| Return on Equity (ROE) | 13.1000% | 1,392 |
| Retained earnings to average equity (ytd only) | 8.5173% | 1,411 |
| Net charge-offs to loans | 0.1222% | 1,288 |
| Credit loss provision to net charge-offs | 151.4286% | 1,691 |
| Earnings coverage of net charge-offs (x) | 25.1976% | 1,785 |
| Efficiency ratio | 72.1942% | 1,853 |
| Assets per employee ($millions) | 3.1368% | 4,933 |
| Cash dividends to net income (ytd only)* | 34.9820% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.9534% | 5,051 |
| Net loans and leases to deposits | 44.9799% | 5,085 |
| Net loans and leases to core deposits | 45.5160% | 5,124 |
| Total domestic deposits to total assets | 86.6018% | 1,916 |
| Equity capital to assets | 8.5147% | 4,912 |
| Core capital (leverage) ratio | 9.8390% | 3,808 |
| Tier 1 risk-based capital ratio | 20.4355% | 1,262 |
| Total risk-based capital ratio | 21.2505% | 1,301 |
| Memoranda: | ||
| Average total assets | $100,134,500 | 4,143 |
| Average earning assets | $92,008,750 | 4,142 |
| Average equity | $8,437,500 | 4,583 |
| Average total loans | $38,192,000 | 4,656 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 4,617 |
| Cost of funding earning assets | 0.3025% | 4,398 |
| Net interest margin | 3.3840% | 4,000 |
| Noninterest income to average assets | 1.0674% | 846 |
| Noninterest expense to average assets | 3.0484% | 1,910 |
| Loan and lease loss provision to assets | 0.0979% | 1,978 |
| Net operating income to assets | 1.0295% | 2,896 |
| Return on assets (ROA) | 1.0295% | 2,898 |
| Pretax return on assets | 1.0295% | 3,572 |
| Return on Equity (ROE) | 12.2604% | 1,636 |
| Retained earnings to average equity (ytd only) | 7.4991% | 1,843 |
| Net charge-offs to loans | 0.1854% | 848 |
| Credit loss provision to net charge-offs | 140.0000% | 1,647 |
| Earnings coverage of net charge-offs (x) | 16.1143% | 2,006 |
| Efficiency ratio | 73.0014% | 1,847 |
| Assets per employee ($millions) | 3.2781% | 4,842 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 39.0792% | 5,090 |
| Net loans and leases to deposits | 45.1620% | 5,116 |
| Net loans and leases to core deposits | 45.7257% | 5,160 |
| Total domestic deposits to total assets | 86.5310% | 2,041 |
| Equity capital to assets | 8.5130% | 4,931 |
| Core capital (leverage) ratio | 9.2706% | 4,393 |
| Tier 1 risk-based capital ratio | 20.2239% | 1,285 |
| Total risk-based capital ratio | 21.0409% | 1,331 |
| Memoranda: | ||
| Average total assets | $100,053,000 | 4,173 |
| Average earning assets | $91,903,670 | 4,187 |
| Average equity | $8,401,000 | 4,632 |
| Average total loans | $37,759,000 | 4,711 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,748 |
| Cost of funding earning assets | 0.2976% | 4,368 |
| Net interest margin | 3.2821% | 4,234 |
| Noninterest income to average assets | 1.0188% | 882 |
| Noninterest expense to average assets | 2.9373% | 2,232 |
| Loan and lease loss provision to assets | 0.0595% | 2,579 |
| Net operating income to assets | 1.0386% | 2,694 |
| Return on assets (ROA) | 1.0386% | 2,713 |
| Pretax return on assets | 1.0386% | 3,399 |
| Return on Equity (ROE) | 12.4532% | 1,423 |
| Retained earnings to average equity (ytd only) | 8.1754% | 1,774 |
| Net charge-offs to loans | 0.2041% | 722 |
| Credit loss provision to net charge-offs | 78.9474% | 1,756 |
| Earnings coverage of net charge-offs (x) | 14.5789% | 1,702 |
| Efficiency ratio | 72.7898% | 2,073 |
| Assets per employee ($millions) | 3.2537% | 4,953 |
| Cash dividends to net income (ytd only)* | 34.3511% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 4,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.8621% | 5,179 |
| Net loans and leases to deposits | 42.6637% | 5,198 |
| Net loans and leases to core deposits | 43.1925% | 5,234 |
| Total domestic deposits to total assets | 86.4016% | 2,362 |
| Equity capital to assets | 8.2407% | 5,153 |
| Core capital (leverage) ratio | 9.3412% | 4,268 |
| Tier 1 risk-based capital ratio | 20.7203% | 1,240 |
| Total risk-based capital ratio | 21.5305% | 1,273 |
| Memoranda: | ||
| Average total assets | $100,907,500 | 4,210 |
| Average earning assets | $92,744,500 | 4,214 |
| Average equity | $8,415,500 | 4,681 |
| Average total loans | $37,229,500 | 4,774 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 4,771 |
| Cost of funding earning assets | 0.2792% | 4,315 |
| Net interest margin | 3.2321% | 4,355 |
| Noninterest income to average assets | 1.0837% | 866 |
| Noninterest expense to average assets | 3.0896% | 1,890 |
| Loan and lease loss provision to assets | 0.0558% | 3,114 |
| Net operating income to assets | 0.9042% | 2,688 |
| Return on assets (ROA) | 0.9242% | 2,599 |
| Pretax return on assets | 0.9242% | 3,828 |
| Return on Equity (ROE) | 11.1196% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.3215% | 1,370 |
| Net charge-offs to loans | 0.0315% | 3,165 |
| Credit loss provision to net charge-offs | 509.0909% | 605 |
| Earnings coverage of net charge-offs (x) | 87.5455% | 713 |
| Efficiency ratio | 76.2925% | 1,576 |
| Assets per employee ($millions) | 3.3650% | 4,867 |
| Cash dividends to net income (ytd only)* | 43.1499% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 36.1942% | 5,280 |
| Net loans and leases to deposits | 43.0634% | 5,266 |
| Net loans and leases to core deposits | 43.4997% | 5,308 |
| Total domestic deposits to total assets | 84.0485% | 3,188 |
| Equity capital to assets | 8.4388% | 5,165 |
| Core capital (leverage) ratio | 9.1858% | 4,413 |
| Tier 1 risk-based capital ratio | 20.5028% | 1,225 |
| Total risk-based capital ratio | 21.3282% | 1,266 |
| Memoranda: | ||
| Average total assets | $100,305,000 | 4,229 |
| Average earning assets | $92,046,200 | 4,241 |
| Average equity | $8,336,600 | 4,728 |
| Average total loans | $34,975,200 | 4,870 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 4,831 |
| Cost of funding earning assets | 0.2738% | 4,373 |
| Net interest margin | 3.2156% | 4,410 |
| Noninterest income to average assets | 1.0931% | 851 |
| Noninterest expense to average assets | 2.8359% | 2,612 |
| Loan and lease loss provision to assets | 0.0306% | 3,509 |
| Net operating income to assets | 1.1823% | 1,767 |
| Return on assets (ROA) | 1.2089% | 1,690 |
| Pretax return on assets | 1.2089% | 2,866 |
| Return on Equity (ROE) | 14.6019% | 719 |
| Retained earnings to average equity (ytd only) | 9.2950% | 762 |
| Net charge-offs to loans | -0.0116% | 4,672 |
| Credit loss provision to net charge-offs | -766.6667% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0427% | 2,527 |
| Assets per employee ($millions) | 3.3419% | 4,924 |
| Cash dividends to net income (ytd only)* | 36.3436% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 4,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.0288% | 5,306 |
| Net loans and leases to deposits | 44.8477% | 5,292 |
| Net loans and leases to core deposits | 45.1949% | 5,337 |
| Total domestic deposits to total assets | 82.5658% | 3,596 |
| Equity capital to assets | 8.8124% | 5,069 |
| Core capital (leverage) ratio | 9.3275% | 4,372 |
| Tier 1 risk-based capital ratio | 20.2396% | 1,319 |
| Total risk-based capital ratio | 21.0085% | 1,384 |
| Memoranda: | ||
| Average total assets | $100,143,750 | 4,280 |
| Average earning assets | $92,048,000 | 4,280 |
| Average equity | $8,291,000 | 4,782 |
| Average total loans | $34,491,500 | 4,933 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,878 |
| Cost of funding earning assets | 0.2717% | 4,359 |
| Net interest margin | 3.1784% | 4,477 |
| Noninterest income to average assets | 1.0948% | 835 |
| Noninterest expense to average assets | 2.8190% | 2,683 |
| Loan and lease loss provision to assets | 0.0100% | 3,737 |
| Net operating income to assets | 1.1867% | 1,640 |
| Return on assets (ROA) | 1.2267% | 1,546 |
| Pretax return on assets | 1.2267% | 2,672 |
| Return on Equity (ROE) | 15.1424% | 636 |
| Retained earnings to average equity (ytd only) | 9.7168% | 642 |
| Net charge-offs to loans | -0.0896% | 5,384 |
| Credit loss provision to net charge-offs | -33.3333% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1990% | 2,641 |
| Assets per employee ($millions) | 3.4626% | 4,780 |
| Cash dividends to net income (ytd only)* | 35.8306% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 4,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 34.9553% | 5,416 |
| Net loans and leases to deposits | 42.2007% | 5,394 |
| Net loans and leases to core deposits | 42.5367% | 5,437 |
| Total domestic deposits to total assets | 82.8311% | 3,619 |
| Equity capital to assets | 8.5775% | 5,246 |
| Core capital (leverage) ratio | 9.1956% | 4,499 |
| Tier 1 risk-based capital ratio | 20.3996% | 1,290 |
| Total risk-based capital ratio | 21.1768% | 1,346 |
| Memoranda: | ||
| Average total assets | $100,106,000 | 4,306 |
| Average earning assets | $91,996,330 | 4,307 |
| Average equity | $8,109,670 | 4,840 |
| Average total loans | $33,496,330 | 4,993 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 4,922 |
| Cost of funding earning assets | 0.2660% | 4,397 |
| Net interest margin | 3.1347% | 4,548 |
| Noninterest income to average assets | 1.0645% | 886 |
| Noninterest expense to average assets | 2.7413% | 2,985 |
| Loan and lease loss provision to assets | 0.0200% | 3,317 |
| Net operating income to assets | 1.1806% | 1,553 |
| Return on assets (ROA) | 1.1806% | 1,596 |
| Pretax return on assets | 1.1806% | 2,677 |
| Return on Equity (ROE) | 15.0165% | 641 |
| Retained earnings to average equity (ytd only) | 10.4352% | 719 |
| Net charge-offs to loans | 0.0615% | 1,714 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 802 |
| Efficiency ratio | 69.5431% | 2,962 |
| Assets per employee ($millions) | 3.6479% | 4,579 |
| Cash dividends to net income (ytd only)* | 30.5085% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 32.7516% | 5,514 |
| Net loans and leases to deposits | 39.5479% | 5,484 |
| Net loans and leases to core deposits | 40.0154% | 5,523 |
| Total domestic deposits to total assets | 82.8150% | 3,913 |
| Equity capital to assets | 8.1701% | 5,435 |
| Core capital (leverage) ratio | 8.8893% | 4,854 |
| Tier 1 risk-based capital ratio | 20.7480% | 1,255 |
| Total risk-based capital ratio | 21.5110% | 1,307 |
| Memoranda: | ||
| Average total assets | $99,952,000 | 4,350 |
| Average earning assets | $91,746,500 | 4,354 |
| Average equity | $7,858,000 | 4,924 |
| Average total loans | $32,521,000 | 5,075 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 5,136 |
| Cost of funding earning assets | 0.2594% | 4,474 |
| Net interest margin | 3.0557% | 4,834 |
| Noninterest income to average assets | 1.0457% | 1,032 |
| Noninterest expense to average assets | 3.0387% | 2,224 |
| Loan and lease loss provision to assets | 0.1130% | 2,177 |
| Net operating income to assets | 0.6840% | 3,851 |
| Return on assets (ROA) | 0.8383% | 3,225 |
| Pretax return on assets | 0.8383% | 4,053 |
| Return on Equity (ROE) | 10.2566% | 1,861 |
| Retained earnings to average equity (ytd only) | 5.9279% | 1,749 |
| Net charge-offs to loans | 0.2183% | 1,267 |
| Credit loss provision to net charge-offs | 164.2857% | 1,685 |
| Earnings coverage of net charge-offs (x) | 11.5857% | 2,526 |
| Efficiency ratio | 79.2211% | 1,522 |
| Assets per employee ($millions) | 3.7560% | 4,387 |
| Cash dividends to net income (ytd only)* | 42.2040% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 31.6820% | 5,607 |
| Net loans and leases to deposits | 37.9179% | 5,604 |
| Net loans and leases to core deposits | 38.1516% | 5,633 |
| Total domestic deposits to total assets | 83.5541% | 3,585 |
| Equity capital to assets | 7.5623% | 5,701 |
| Core capital (leverage) ratio | 8.5087% | 5,254 |
| Tier 1 risk-based capital ratio | 19.9734% | 1,378 |
| Total risk-based capital ratio | 20.7228% | 1,445 |
| Memoranda: | ||
| Average total assets | $101,754,000 | 4,323 |
| Average earning assets | $92,909,800 | 4,324 |
| Average equity | $8,316,600 | 4,882 |
| Average total loans | $32,061,600 | 5,132 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 5,245 |
| Cost of funding earning assets | 0.2587% | 4,528 |
| Net interest margin | 3.0166% | 4,982 |
| Noninterest income to average assets | 1.1482% | 869 |
| Noninterest expense to average assets | 2.8776% | 2,710 |
| Loan and lease loss provision to assets | 0.1362% | 1,727 |
| Net operating income to assets | 0.8824% | 2,996 |
| Return on assets (ROA) | 1.0722% | 2,216 |
| Pretax return on assets | 1.0722% | 3,343 |
| Return on Equity (ROE) | 12.8793% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.3975% | 1,021 |
| Net charge-offs to loans | 0.2211% | 1,061 |
| Credit loss provision to net charge-offs | 196.2264% | 1,461 |
| Earnings coverage of net charge-offs (x) | 14.6803% | 2,227 |
| Efficiency ratio | 73.8575% | 2,312 |
| Assets per employee ($millions) | 3.7152% | 4,444 |
| Cash dividends to net income (ytd only)* | 34.7986% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 30.4609% | 5,705 |
| Net loans and leases to deposits | 37.0400% | 5,701 |
| Net loans and leases to core deposits | 37.2657% | 5,732 |
| Total domestic deposits to total assets | 82.2379% | 3,863 |
| Equity capital to assets | 8.6181% | 5,460 |
| Core capital (leverage) ratio | 8.6464% | 5,218 |
| Tier 1 risk-based capital ratio | 20.2460% | 1,399 |
| Total risk-based capital ratio | 21.0160% | 1,456 |
| Memoranda: | ||
| Average total assets | $101,839,750 | 4,356 |
| Average earning assets | $92,774,250 | 4,369 |
| Average equity | $8,478,500 | 4,897 |
| Average total loans | $31,963,000 | 5,181 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3156% | 5,258 |
| Cost of funding earning assets | 0.2569% | 4,582 |
| Net interest margin | 3.0587% | 4,952 |
| Noninterest income to average assets | 1.1393% | 859 |
| Noninterest expense to average assets | 2.8147% | 2,983 |
| Loan and lease loss provision to assets | 0.1503% | 1,524 |
| Net operating income to assets | 0.9534% | 2,610 |
| Return on assets (ROA) | 1.1334% | 1,949 |
| Pretax return on assets | 1.1334% | 3,070 |
| Return on Equity (ROE) | 13.7801% | 871 |
| Retained earnings to average equity (ytd only) | 8.9703% | 857 |
| Net charge-offs to loans | 0.3193% | 742 |
| Credit loss provision to net charge-offs | 149.0196% | 1,600 |
| Earnings coverage of net charge-offs (x) | 10.9412% | 2,294 |
| Efficiency ratio | 71.8324% | 2,687 |
| Assets per employee ($millions) | 3.3014% | 5,058 |
| Cash dividends to net income (ytd only)* | 34.9040% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 32.7952% | 5,719 |
| Net loans and leases to deposits | 39.9098% | 5,696 |
| Net loans and leases to core deposits | 40.1655% | 5,735 |
| Total domestic deposits to total assets | 82.1732% | 3,948 |
| Equity capital to assets | 8.8568% | 5,351 |
| Core capital (leverage) ratio | 8.7293% | 5,137 |
| Tier 1 risk-based capital ratio | 20.1690% | 1,423 |
| Total risk-based capital ratio | 20.8894% | 1,495 |
| Memoranda: | ||
| Average total assets | $101,111,330 | 4,405 |
| Average earning assets | $91,868,000 | 4,425 |
| Average equity | $8,316,330 | 4,967 |
| Average total loans | $31,944,000 | 5,232 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2558% | 5,406 |
| Cost of funding earning assets | 0.2620% | 4,587 |
| Net interest margin | 2.9938% | 5,134 |
| Noninterest income to average assets | 1.1200% | 871 |
| Noninterest expense to average assets | 2.7451% | 3,258 |
| Loan and lease loss provision to assets | 0.1488% | 1,421 |
| Net operating income to assets | 0.9555% | 2,486 |
| Return on assets (ROA) | 1.0260% | 2,295 |
| Pretax return on assets | 1.0260% | 3,386 |
| Return on Equity (ROE) | 12.9567% | 1,047 |
| Retained earnings to average equity (ytd only) | 8.5059% | 1,261 |
| Net charge-offs to loans | 0.5076% | 433 |
| Credit loss provision to net charge-offs | 95.0000% | 1,717 |
| Earnings coverage of net charge-offs (x) | 7.0500% | 2,182 |
| Efficiency ratio | 71.3123% | 2,902 |
| Assets per employee ($millions) | 3.6245% | 4,607 |
| Cash dividends to net income (ytd only)* | 34.3511% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 31.1149% | 5,802 |
| Net loans and leases to deposits | 36.3950% | 5,819 |
| Net loans and leases to core deposits | 36.6131% | 5,844 |
| Total domestic deposits to total assets | 85.4924% | 2,919 |
| Equity capital to assets | 8.3185% | 5,687 |
| Core capital (leverage) ratio | 8.3439% | 5,523 |
| Tier 1 risk-based capital ratio | 19.3502% | 1,643 |
| Total risk-based capital ratio | 19.9958% | 1,757 |
| Memoranda: | ||
| Average total assets | $102,146,000 | 4,428 |
| Average earning assets | $93,126,500 | 4,444 |
| Average equity | $8,088,500 | 5,044 |
| Average total loans | $31,522,000 | 5,288 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0662% | 5,674 |
| Cost of funding earning assets | 0.2560% | 4,723 |
| Net interest margin | 2.8102% | 5,491 |
| Noninterest income to average assets | 1.0101% | 1,158 |
| Noninterest expense to average assets | 2.9045% | 2,846 |
| Loan and lease loss provision to assets | 0.0677% | 2,940 |
| Net operating income to assets | 0.6298% | 4,140 |
| Return on assets (ROA) | 0.6715% | 4,031 |
| Pretax return on assets | 0.6715% | 4,610 |
| Return on Equity (ROE) | 8.9934% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.1057% | 2,344 |
| Net charge-offs to loans | 0.2278% | 1,305 |
| Credit loss provision to net charge-offs | 104.4776% | 2,404 |
| Earnings coverage of net charge-offs (x) | 10.7612% | 2,657 |
| Efficiency ratio | 80.6339% | 1,594 |
| Assets per employee ($millions) | 3.5451% | 4,736 |
| Cash dividends to net income (ytd only)* | 43.2277% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 5,057 |
| Loan loss allowance to noncurrent loans | 1,886.6667% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,641 |
| Noncurrent loans to loans | 0.0481% | 5,326 |
| Net loans and leases to total assets | 30.0602% | 5,889 |
| Net loans and leases to deposits | 35.0048% | 5,907 |
| Net loans and leases to core deposits | 35.2110% | 5,942 |
| Total domestic deposits to total assets | 85.8745% | 2,695 |
| Equity capital to assets | 7.5238% | 5,977 |
| Core capital (leverage) ratio | 7.9220% | 5,874 |
| Tier 1 risk-based capital ratio | 18.8907% | 1,724 |
| Total risk-based capital ratio | 19.5409% | 1,846 |
| Memoranda: | ||
| Average total assets | $103,358,400 | 4,398 |
| Average earning assets | $95,330,400 | 4,409 |
| Average equity | $7,716,800 | 5,108 |
| Average total loans | $29,415,200 | 5,383 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 5,773 |
| Cost of funding earning assets | 0.2523% | 4,857 |
| Net interest margin | 2.7878% | 5,607 |
| Noninterest income to average assets | 0.9404% | 1,342 |
| Noninterest expense to average assets | 2.7414% | 3,416 |
| Loan and lease loss provision to assets | 0.0528% | 3,139 |
| Net operating income to assets | 0.7227% | 3,804 |
| Return on assets (ROA) | 0.7781% | 3,624 |
| Pretax return on assets | 0.7781% | 4,403 |
| Return on Equity (ROE) | 10.4420% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.5522% | 1,922 |
| Net charge-offs to loans | 0.2117% | 1,230 |
| Credit loss provision to net charge-offs | 89.1304% | 2,484 |
| Earnings coverage of net charge-offs (x) | 13.0874% | 2,356 |
| Efficiency ratio | 77.9487% | 1,953 |
| Assets per employee ($millions) | 3.6721% | 4,486 |
| Cash dividends to net income (ytd only)* | 37.2515% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 5,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 28.5921% | 6,015 |
| Net loans and leases to deposits | 33.5068% | 6,023 |
| Net loans and leases to core deposits | 33.6982% | 6,051 |
| Total domestic deposits to total assets | 85.3321% | 2,863 |
| Equity capital to assets | 7.5255% | 6,071 |
| Core capital (leverage) ratio | 7.9072% | 5,944 |
| Tier 1 risk-based capital ratio | 18.4438% | 1,920 |
| Total risk-based capital ratio | 19.0619% | 2,053 |
| Memoranda: | ||
| Average total assets | $103,496,250 | 4,441 |
| Average earning assets | $95,652,750 | 4,445 |
| Average equity | $7,712,250 | 5,170 |
| Average total loans | $28,972,250 | 5,470 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0294% | 5,831 |
| Cost of funding earning assets | 0.2532% | 4,904 |
| Net interest margin | 2.7762% | 5,669 |
| Noninterest income to average assets | 0.9425% | 1,326 |
| Noninterest expense to average assets | 2.8079% | 3,203 |
| Loan and lease loss provision to assets | 0.0624% | 2,867 |
| Net operating income to assets | 0.6400% | 4,173 |
| Return on assets (ROA) | 0.7239% | 3,894 |
| Pretax return on assets | 0.7239% | 4,585 |
| Return on Equity (ROE) | 9.7482% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.8069% | 2,355 |
| Net charge-offs to loans | 0.3452% | 759 |
| Credit loss provision to net charge-offs | 65.3061% | 2,533 |
| Earnings coverage of net charge-offs (x) | 7.3469% | 2,679 |
| Efficiency ratio | 79.9889% | 1,765 |
| Assets per employee ($millions) | 3.3486% | 5,076 |
| Cash dividends to net income (ytd only)* | 40.4313% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 5,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 28.6484% | 6,079 |
| Net loans and leases to deposits | 32.4516% | 6,114 |
| Net loans and leases to core deposits | 32.6350% | 6,129 |
| Total domestic deposits to total assets | 88.2802% | 1,504 |
| Equity capital to assets | 7.3415% | 6,138 |
| Core capital (leverage) ratio | 7.9412% | 5,958 |
| Tier 1 risk-based capital ratio | 19.9242% | 1,567 |
| Total risk-based capital ratio | 20.5778% | 1,682 |
| Memoranda: | ||
| Average total assets | $102,498,000 | 4,504 |
| Average earning assets | $94,805,000 | 4,500 |
| Average equity | $7,611,670 | 5,242 |
| Average total loans | $28,388,670 | 5,537 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0086% | 5,886 |
| Cost of funding earning assets | 0.2550% | 4,966 |
| Net interest margin | 2.7537% | 5,736 |
| Noninterest income to average assets | 0.9348% | 1,284 |
| Noninterest expense to average assets | 3.1892% | 2,015 |
| Loan and lease loss provision to assets | 0.0353% | 3,196 |
| Net operating income to assets | 0.2553% | 5,546 |
| Return on assets (ROA) | 0.3260% | 5,431 |
| Pretax return on assets | 0.3260% | 5,585 |
| Return on Equity (ROE) | 4.3644% | 4,818 |
| Retained earnings to average equity (ytd only) | 0.4207% | 5,240 |
| Net charge-offs to loans | 0.1740% | 1,229 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,321 |
| Efficiency ratio | 91.6479% | 736 |
| Assets per employee ($millions) | 2.9389% | 5,749 |
| Cash dividends to net income (ytd only)* | 90.3614% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 5,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.7814% | 6,139 |
| Net loans and leases to deposits | 31.6656% | 6,168 |
| Net loans and leases to core deposits | 31.9466% | 6,186 |
| Total domestic deposits to total assets | 87.7336% | 1,967 |
| Equity capital to assets | 7.6989% | 6,124 |
| Core capital (leverage) ratio | 7.7250% | 6,057 |
| Tier 1 risk-based capital ratio | 20.4068% | 1,539 |
| Total risk-based capital ratio | 21.1282% | 1,616 |
| Memoranda: | ||
| Average total assets | $101,843,500 | 4,559 |
| Average earning assets | $94,129,500 | 4,545 |
| Average equity | $7,607,000 | 5,283 |
| Average total loans | $27,581,500 | 5,613 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0140% | 6,055 |
| Cost of funding earning assets | 0.2646% | 5,166 |
| Net interest margin | 2.7494% | 5,877 |
| Noninterest income to average assets | 0.9409% | 1,375 |
| Noninterest expense to average assets | 3.0230% | 2,775 |
| Loan and lease loss provision to assets | 0.0325% | 3,947 |
| Net operating income to assets | 0.4271% | 5,121 |
| Return on assets (ROA) | 0.4695% | 5,028 |
| Pretax return on assets | 0.4695% | 5,328 |
| Return on Equity (ROE) | 6.9028% | 3,688 |
| Retained earnings to average equity (ytd only) | 2.5523% | 4,421 |
| Net charge-offs to loans | 0.1740% | 2,285 |
| Credit loss provision to net charge-offs | 73.3333% | 2,995 |
| Earnings coverage of net charge-offs (x) | 10.3556% | 2,619 |
| Efficiency ratio | 86.8026% | 1,098 |
| Assets per employee ($millions) | 3.2426% | 5,362 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 4,894 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,078 |
| Noncurrent loans to loans | 0.0147% | 5,849 |
| Net loans and leases to total assets | 25.8722% | 6,279 |
| Net loans and leases to deposits | 29.2772% | 6,302 |
| Net loans and leases to core deposits | 29.6094% | 6,314 |
| Total domestic deposits to total assets | 88.3698% | 1,585 |
| Equity capital to assets | 7.2482% | 6,291 |
| Core capital (leverage) ratio | 7.6735% | 6,140 |
| Tier 1 risk-based capital ratio | 20.5573% | 1,499 |
| Total risk-based capital ratio | 21.2926% | 1,562 |
| Memoranda: | ||
| Average total assets | $101,389,200 | 4,569 |
| Average earning assets | $93,729,200 | 4,562 |
| Average equity | $6,895,800 | 5,440 |
| Average total loans | $25,866,600 | 5,741 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 6,095 |
| Cost of funding earning assets | 0.2675% | 5,234 |
| Net interest margin | 2.7720% | 5,904 |
| Noninterest income to average assets | 0.9842% | 1,271 |
| Noninterest expense to average assets | 3.0437% | 2,665 |
| Loan and lease loss provision to assets | 0.0357% | 3,692 |
| Net operating income to assets | 0.4683% | 5,001 |
| Return on assets (ROA) | 0.4788% | 5,034 |
| Pretax return on assets | 0.4788% | 5,384 |
| Return on Equity (ROE) | 7.1615% | 3,629 |
| Retained earnings to average equity (ytd only) | 1.8200% | 5,141 |
| Net charge-offs to loans | 0.1618% | 2,184 |
| Credit loss provision to net charge-offs | 87.0968% | 2,479 |
| Earnings coverage of net charge-offs (x) | 12.2911% | 2,334 |
| Efficiency ratio | 85.7942% | 1,200 |
| Assets per employee ($millions) | 3.4031% | 5,041 |
| Cash dividends to net income (ytd only)* | 74.5861% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 4,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 5,364 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 26.2851% | 6,351 |
| Net loans and leases to deposits | 29.9152% | 6,368 |
| Net loans and leases to core deposits | 30.2738% | 6,383 |
| Total domestic deposits to total assets | 87.8652% | 1,832 |
| Equity capital to assets | 7.0402% | 6,376 |
| Core capital (leverage) ratio | 7.6864% | 6,221 |
| Tier 1 risk-based capital ratio | 20.1924% | 1,623 |
| Total risk-based capital ratio | 20.9434% | 1,708 |
| Memoranda: | ||
| Average total assets | $100,795,500 | 4,625 |
| Average earning assets | $93,214,500 | 4,618 |
| Average equity | $6,739,500 | 5,523 |
| Average total loans | $25,551,750 | 5,812 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0012% | 6,177 |
| Cost of funding earning assets | 0.2699% | 5,284 |
| Net interest margin | 2.7313% | 6,011 |
| Noninterest income to average assets | 0.9557% | 1,315 |
| Noninterest expense to average assets | 3.0129% | 2,788 |
| Loan and lease loss provision to assets | 0.0355% | 3,578 |
| Net operating income to assets | 0.4394% | 5,058 |
| Return on assets (ROA) | 0.4552% | 5,068 |
| Pretax return on assets | 0.4552% | 5,404 |
| Return on Equity (ROE) | 6.9265% | 3,658 |
| Retained earnings to average equity (ytd only) | 1.5292% | 5,132 |
| Net charge-offs to loans | 0.0790% | 2,904 |
| Credit loss provision to net charge-offs | 180.0000% | 1,266 |
| Earnings coverage of net charge-offs (x) | 24.1000% | 1,440 |
| Efficiency ratio | 86.3842% | 1,233 |
| Assets per employee ($millions) | 3.0904% | 5,612 |
| Cash dividends to net income (ytd only)* | 77.9221% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 5,503 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 25.4680% | 6,425 |
| Net loans and leases to deposits | 28.8772% | 6,445 |
| Net loans and leases to core deposits | 29.2101% | 6,461 |
| Total domestic deposits to total assets | 88.1941% | 1,795 |
| Equity capital to assets | 6.9521% | 6,450 |
| Core capital (leverage) ratio | 7.5615% | 6,293 |
| Tier 1 risk-based capital ratio | 19.5493% | 1,792 |
| Total risk-based capital ratio | 20.3106% | 1,868 |
| Memoranda: | ||
| Average total assets | $101,497,000 | 4,644 |
| Average earning assets | $94,094,330 | 4,637 |
| Average equity | $6,670,000 | 5,567 |
| Average total loans | $25,326,000 | 5,864 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9715% | 6,268 |
| Cost of funding earning assets | 0.2725% | 5,363 |
| Net interest margin | 2.6990% | 6,114 |
| Noninterest income to average assets | 0.9126% | 1,352 |
| Noninterest expense to average assets | 3.2354% | 2,109 |
| Loan and lease loss provision to assets | 0.0356% | 3,349 |
| Net operating income to assets | 0.1462% | 5,937 |
| Return on assets (ROA) | 0.1462% | 5,967 |
| Pretax return on assets | 0.1462% | 6,011 |
| Return on Equity (ROE) | 2.2910% | 5,713 |
| Retained earnings to average equity (ytd only) | -3.2817% | 5,991 |
| Net charge-offs to loans | 0.1288% | 1,942 |
| Credit loss provision to net charge-offs | 112.5000% | 1,521 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,336 |
| Efficiency ratio | 94.6821% | 713 |
| Assets per employee ($millions) | 2.9973% | 5,862 |
| Cash dividends to net income (ytd only)* | 243.2432% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 4,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 5,604 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.4964% | 6,499 |
| Net loans and leases to deposits | 27.6303% | 6,515 |
| Net loans and leases to core deposits | 27.9468% | 6,530 |
| Total domestic deposits to total assets | 88.6575% | 1,859 |
| Equity capital to assets | 6.5451% | 6,519 |
| Core capital (leverage) ratio | 7.3361% | 6,391 |
| Tier 1 risk-based capital ratio | 19.6860% | 1,795 |
| Total risk-based capital ratio | 20.4451% | 1,873 |
| Memoranda: | ||
| Average total assets | $101,254,000 | 4,701 |
| Average earning assets | $93,959,500 | 4,689 |
| Average equity | $6,460,000 | 5,646 |
| Average total loans | $24,852,500 | 5,944 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 5,912 |
| Cost of funding earning assets | 0.3469% | 5,170 |
| Net interest margin | 3.0114% | 5,553 |
| Noninterest income to average assets | 1.0987% | 1,160 |
| Noninterest expense to average assets | 3.2140% | 2,372 |
| Loan and lease loss provision to assets | 0.0351% | 4,418 |
| Net operating income to assets | 0.5760% | 4,375 |
| Return on assets (ROA) | 0.7569% | 3,602 |
| Pretax return on assets | 0.7569% | 4,310 |
| Return on Equity (ROE) | 10.2627% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.5716% | 2,235 |
| Net charge-offs to loans | 0.1228% | 3,580 |
| Credit loss provision to net charge-offs | 103.1250% | 2,349 |
| Earnings coverage of net charge-offs (x) | 17.9375% | 1,688 |
| Efficiency ratio | 84.0245% | 1,623 |
| Assets per employee ($millions) | 2.9588% | 5,897 |
| Cash dividends to net income (ytd only)* | 45.7103% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 5,668 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 24.0122% | 6,607 |
| Net loans and leases to deposits | 26.9475% | 6,627 |
| Net loans and leases to core deposits | 27.2580% | 6,636 |
| Total domestic deposits to total assets | 89.1072% | 1,548 |
| Equity capital to assets | 6.2128% | 6,600 |
| Core capital (leverage) ratio | 7.2752% | 6,451 |
| Tier 1 risk-based capital ratio | 20.2514% | 1,599 |
| Total risk-based capital ratio | 21.0241% | 1,679 |
| Memoranda: | ||
| Average total assets | $93,931,600 | 4,887 |
| Average earning assets | $85,044,000 | 4,907 |
| Average equity | $6,928,000 | 5,586 |
| Average total loans | $26,058,600 | 5,934 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4366% | 5,807 |
| Cost of funding earning assets | 0.3717% | 5,081 |
| Net interest margin | 3.0650% | 5,415 |
| Noninterest income to average assets | 1.1488% | 1,109 |
| Noninterest expense to average assets | 3.3916% | 1,851 |
| Loan and lease loss provision to assets | 0.0390% | 4,227 |
| Net operating income to assets | 0.4711% | 4,925 |
| Return on assets (ROA) | 0.7009% | 3,991 |
| Pretax return on assets | 0.7009% | 4,688 |
| Return on Equity (ROE) | 9.1110% | 2,585 |
| Retained earnings to average equity (ytd only) | 3.3813% | 4,281 |
| Net charge-offs to loans | 0.1461% | 3,084 |
| Credit loss provision to net charge-offs | 93.1034% | 2,555 |
| Earnings coverage of net charge-offs (x) | 12.1709% | 2,164 |
| Efficiency ratio | 86.9259% | 1,268 |
| Assets per employee ($millions) | 2.9993% | 5,850 |
| Cash dividends to net income (ytd only)* | 62.8872% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 5,836 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 22.9312% | 6,706 |
| Net loans and leases to deposits | 27.3991% | 6,705 |
| Net loans and leases to core deposits | 27.7206% | 6,715 |
| Total domestic deposits to total assets | 83.6933% | 4,318 |
| Equity capital to assets | 5.8166% | 6,714 |
| Core capital (leverage) ratio | 7.1894% | 6,551 |
| Tier 1 risk-based capital ratio | 20.7218% | 1,553 |
| Total risk-based capital ratio | 21.5260% | 1,637 |
| Memoranda: | ||
| Average total assets | $92,264,750 | 4,969 |
| Average earning assets | $82,870,500 | 5,001 |
| Average equity | $7,097,500 | 5,609 |
| Average total loans | $26,461,250 | 5,974 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 5,573 |
| Cost of funding earning assets | 0.4137% | 4,819 |
| Net interest margin | 3.1433% | 5,147 |
| Noninterest income to average assets | 1.2564% | 983 |
| Noninterest expense to average assets | 3.4853% | 1,639 |
| Loan and lease loss provision to assets | 0.0409% | 4,136 |
| Net operating income to assets | 0.5271% | 4,679 |
| Return on assets (ROA) | 0.7111% | 3,923 |
| Pretax return on assets | 0.7111% | 4,648 |
| Return on Equity (ROE) | 8.4276% | 2,886 |
| Retained earnings to average equity (ytd only) | 2.2348% | 4,850 |
| Net charge-offs to loans | 0.3166% | 1,920 |
| Credit loss provision to net charge-offs | 41.8605% | 3,382 |
| Earnings coverage of net charge-offs (x) | 5.8140% | 2,823 |
| Efficiency ratio | 85.9865% | 1,414 |
| Assets per employee ($millions) | 2.8227% | 6,130 |
| Cash dividends to net income (ytd only)* | 73.4824% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 5,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 5,842 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 27.5812% | 6,643 |
| Net loans and leases to deposits | 31.5784% | 6,662 |
| Net loans and leases to core deposits | 31.9663% | 6,687 |
| Total domestic deposits to total assets | 87.3420% | 2,628 |
| Equity capital to assets | 6.9469% | 6,615 |
| Core capital (leverage) ratio | 8.3120% | 5,872 |
| Tier 1 risk-based capital ratio | 10.9851% | 6,340 |
| Total risk-based capital ratio | 11.3826% | 6,578 |
| Memoranda: | ||
| Average total assets | $88,028,000 | 5,109 |
| Average earning assets | $78,326,330 | 5,161 |
| Average equity | $7,428,000 | 5,580 |
| Average total loans | $27,161,330 | 5,974 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,995 |
| Cost of funding earning assets | 0.4455% | 4,639 |
| Net interest margin | 3.3031% | 4,507 |
| Noninterest income to average assets | 1.5085% | 680 |
| Noninterest expense to average assets | 3.9450% | 949 |
| Loan and lease loss provision to assets | 0.0428% | 3,887 |
| Net operating income to assets | 0.4140% | 5,075 |
| Return on assets (ROA) | 0.4473% | 5,085 |
| Pretax return on assets | 0.4473% | 5,421 |
| Return on Equity (ROE) | 4.8153% | 4,681 |
| Retained earnings to average equity (ytd only) | -1.3319% | 5,999 |
| Net charge-offs to loans | 0.3069% | 1,733 |
| Credit loss provision to net charge-offs | 42.8571% | 2,709 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,525 |
| Efficiency ratio | 89.6216% | 1,176 |
| Assets per employee ($millions) | 2.7134% | 6,383 |
| Cash dividends to net income (ytd only)* | 127.6596% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 5,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 5,828 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 32.0775% | 6,511 |
| Net loans and leases to deposits | 37.9809% | 6,507 |
| Net loans and leases to core deposits | 38.5309% | 6,545 |
| Total domestic deposits to total assets | 84.4570% | 4,281 |
| Equity capital to assets | 9.1137% | 5,357 |
| Core capital (leverage) ratio | 8.6705% | 5,363 |
| Tier 1 risk-based capital ratio | 21.4919% | 1,428 |
| Total risk-based capital ratio | 22.3198% | 1,490 |
| Memoranda: | ||
| Average total assets | $84,056,500 | 5,267 |
| Average earning assets | $73,628,000 | 5,333 |
| Average equity | $7,808,500 | 5,537 |
| Average total loans | $27,374,000 | 6,011 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 4,915 |
| Cost of funding earning assets | 0.5167% | 5,100 |
| Net interest margin | 3.5929% | 4,115 |
| Noninterest income to average assets | 1.2370% | 1,022 |
| Noninterest expense to average assets | 3.4817% | 1,858 |
| Loan and lease loss provision to assets | 0.1651% | 3,545 |
| Net operating income to assets | 0.6373% | 4,047 |
| Return on assets (ROA) | 1.0331% | 2,401 |
| Pretax return on assets | 1.0331% | 3,420 |
| Return on Equity (ROE) | 10.8386% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.4704% | 3,084 |
| Net charge-offs to loans | 0.4327% | 2,504 |
| Credit loss provision to net charge-offs | 117.2414% | 2,459 |
| Earnings coverage of net charge-offs (x) | 5.6983% | 2,970 |
| Efficiency ratio | 81.2695% | 1,978 |
| Assets per employee ($millions) | 2.7999% | 6,318 |
| Cash dividends to net income (ytd only)* | 58.7544% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 5,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 5,921 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 32.3770% | 6,611 |
| Net loans and leases to deposits | 38.4608% | 6,621 |
| Net loans and leases to core deposits | 39.0192% | 6,644 |
| Total domestic deposits to total assets | 84.1818% | 4,232 |
| Equity capital to assets | 9.4657% | 4,917 |
| Core capital (leverage) ratio | 8.7980% | 5,187 |
| Tier 1 risk-based capital ratio | 21.3872% | 1,382 |
| Total risk-based capital ratio | 22.2435% | 1,435 |
| Memoranda: | ||
| Average total assets | $82,374,000 | 5,292 |
| Average earning assets | $69,860,000 | 5,436 |
| Average equity | $7,851,600 | 5,540 |
| Average total loans | $26,805,800 | 6,090 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 4,783 |
| Cost of funding earning assets | 0.5314% | 5,234 |
| Net interest margin | 3.6793% | 3,883 |
| Noninterest income to average assets | 1.2200% | 1,001 |
| Noninterest expense to average assets | 3.5070% | 1,739 |
| Loan and lease loss provision to assets | 0.1366% | 3,838 |
| Net operating income to assets | 0.6962% | 3,933 |
| Return on assets (ROA) | 0.9808% | 2,834 |
| Pretax return on assets | 0.9808% | 3,787 |
| Return on Equity (ROE) | 10.2722% | 2,225 |
| Retained earnings to average equity (ytd only) | 4.7358% | 3,571 |
| Net charge-offs to loans | 0.4004% | 2,495 |
| Credit loss provision to net charge-offs | 105.0000% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.4002% | 2,797 |
| Efficiency ratio | 80.8096% | 1,973 |
| Assets per employee ($millions) | 2.7881% | 6,369 |
| Cash dividends to net income (ytd only)* | 53.8969% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 5,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 6,087 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.8512% | 6,781 |
| Net loans and leases to deposits | 36.7844% | 6,794 |
| Net loans and leases to core deposits | 37.0414% | 6,835 |
| Total domestic deposits to total assets | 83.8704% | 4,288 |
| Equity capital to assets | 9.4989% | 5,210 |
| Core capital (leverage) ratio | 8.9730% | 5,103 |
| Tier 1 risk-based capital ratio | 21.1034% | 1,503 |
| Total risk-based capital ratio | 21.9129% | 1,573 |
| Memoranda: | ||
| Average total assets | $81,968,000 | 5,353 |
| Average earning assets | $69,505,000 | 5,508 |
| Average equity | $7,826,750 | 5,603 |
| Average total loans | $26,635,500 | 6,185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 4,797 |
| Cost of funding earning assets | 0.5506% | 5,301 |
| Net interest margin | 3.6916% | 3,865 |
| Noninterest income to average assets | 1.2202% | 964 |
| Noninterest expense to average assets | 3.5338% | 1,715 |
| Loan and lease loss provision to assets | 0.1864% | 3,238 |
| Net operating income to assets | 0.7157% | 3,780 |
| Return on assets (ROA) | 0.9095% | 3,132 |
| Pretax return on assets | 0.9095% | 4,036 |
| Return on Equity (ROE) | 9.5077% | 2,568 |
| Retained earnings to average equity (ytd only) | 3.9226% | 4,005 |
| Net charge-offs to loans | 0.5126% | 2,049 |
| Credit loss provision to net charge-offs | 110.2941% | 2,471 |
| Earnings coverage of net charge-offs (x) | 5.3382% | 2,855 |
| Efficiency ratio | 79.6639% | 2,243 |
| Assets per employee ($millions) | 2.6731% | 6,566 |
| Cash dividends to net income (ytd only)* | 58.7432% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 6,120 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 34.0907% | 6,717 |
| Net loans and leases to deposits | 40.9834% | 6,698 |
| Net loans and leases to core deposits | 41.2942% | 6,763 |
| Total domestic deposits to total assets | 83.1816% | 4,685 |
| Equity capital to assets | 9.9037% | 4,480 |
| Core capital (leverage) ratio | 8.9237% | 5,018 |
| Tier 1 risk-based capital ratio | 20.8354% | 1,515 |
| Total risk-based capital ratio | 21.6579% | 1,575 |
| Memoranda: | ||
| Average total assets | $80,480,330 | 5,422 |
| Average earning assets | $70,104,330 | 5,516 |
| Average equity | $7,699,000 | 5,654 |
| Average total loans | $26,533,670 | 6,231 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 4,941 |
| Cost of funding earning assets | 0.6002% | 5,124 |
| Net interest margin | 3.6466% | 4,058 |
| Noninterest income to average assets | 1.1907% | 1,008 |
| Noninterest expense to average assets | 3.4580% | 1,851 |
| Loan and lease loss provision to assets | 0.0447% | 4,846 |
| Net operating income to assets | 0.8533% | 3,140 |
| Return on assets (ROA) | 1.0121% | 2,625 |
| Pretax return on assets | 1.0121% | 3,638 |
| Return on Equity (ROE) | 10.7687% | 2,117 |
| Retained earnings to average equity (ytd only) | 3.1145% | 4,696 |
| Net charge-offs to loans | 0.7387% | 1,381 |
| Credit loss provision to net charge-offs | 18.7500% | 3,794 |
| Earnings coverage of net charge-offs (x) | 3.7708% | 2,754 |
| Efficiency ratio | 79.3850% | 2,289 |
| Assets per employee ($millions) | 2.6797% | 6,657 |
| Cash dividends to net income (ytd only)* | 71.0784% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 6,257 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.5426% | 6,800 |
| Net loans and leases to deposits | 38.8387% | 6,791 |
| Net loans and leases to core deposits | 38.9834% | 6,850 |
| Total domestic deposits to total assets | 83.7890% | 4,600 |
| Equity capital to assets | 9.4415% | 4,883 |
| Core capital (leverage) ratio | 8.7694% | 5,169 |
| Tier 1 risk-based capital ratio | 20.3364% | 1,634 |
| Total risk-based capital ratio | 21.0126% | 1,738 |
| Memoranda: | ||
| Average total assets | $80,624,500 | 5,454 |
| Average earning assets | $69,982,500 | 5,563 |
| Average equity | $7,577,500 | 5,716 |
| Average total loans | $25,992,000 | 6,309 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 4,902 |
| Cost of funding earning assets | 0.6315% | 5,919 |
| Net interest margin | 3.9122% | 3,283 |
| Noninterest income to average assets | 1.1747% | 952 |
| Noninterest expense to average assets | 3.7224% | 1,495 |
| Loan and lease loss provision to assets | 0.0749% | 5,677 |
| Net operating income to assets | 0.8041% | 3,022 |
| Return on assets (ROA) | 1.1497% | 1,780 |
| Pretax return on assets | 1.1497% | 2,652 |
| Return on Equity (ROE) | 12.1721% | 1,361 |
| Retained earnings to average equity (ytd only) | 6.9555% | 1,525 |
| Net charge-offs to loans | 0.0979% | 5,367 |
| Credit loss provision to net charge-offs | 237.5000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 888 |
| Efficiency ratio | 80.8966% | 2,174 |
| Assets per employee ($millions) | 2.6953% | 6,614 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 6,343 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 31.3138% | 6,959 |
| Net loans and leases to deposits | 37.8662% | 6,948 |
| Net loans and leases to core deposits | 38.0146% | 7,002 |
| Total domestic deposits to total assets | 82.6958% | 4,882 |
| Equity capital to assets | 9.3558% | 5,082 |
| Core capital (leverage) ratio | 8.7190% | 5,221 |
| Tier 1 risk-based capital ratio | 20.9668% | 1,418 |
| Total risk-based capital ratio | 21.7881% | 1,479 |
| Memoranda: | ||
| Average total assets | $76,105,800 | 5,560 |
| Average earning assets | $66,663,400 | 5,648 |
| Average equity | $7,188,600 | 5,815 |
| Average total loans | $24,517,000 | 6,444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 4,660 |
| Cost of funding earning assets | 0.6371% | 6,105 |
| Net interest margin | 4.0173% | 2,840 |
| Noninterest income to average assets | 1.1212% | 1,054 |
| Noninterest expense to average assets | 3.5380% | 1,834 |
| Loan and lease loss provision to assets | 0.1317% | 4,784 |
| Net operating income to assets | 0.9753% | 2,408 |
| Return on assets (ROA) | 1.2048% | 1,748 |
| Pretax return on assets | 1.2048% | 2,613 |
| Return on Equity (ROE) | 12.7231% | 1,353 |
| Retained earnings to average equity (ytd only) | 8.7765% | 1,223 |
| Net charge-offs to loans | 0.1430% | 4,634 |
| Credit loss provision to net charge-offs | 284.6154% | 1,005 |
| Earnings coverage of net charge-offs (x) | 23.9201% | 1,097 |
| Efficiency ratio | 76.1686% | 2,818 |
| Assets per employee ($millions) | 2.5967% | 6,785 |
| Cash dividends to net income (ytd only)* | 31.0190% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,436 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 29.9892% | 7,087 |
| Net loans and leases to deposits | 35.9868% | 7,080 |
| Net loans and leases to core deposits | 36.3958% | 7,109 |
| Total domestic deposits to total assets | 83.3340% | 4,544 |
| Equity capital to assets | 9.7616% | 4,685 |
| Core capital (leverage) ratio | 9.2170% | 4,598 |
| Tier 1 risk-based capital ratio | 21.3986% | 1,381 |
| Total risk-based capital ratio | 22.2906% | 1,427 |
| Memoranda: | ||
| Average total assets | $74,917,500 | 5,653 |
| Average earning assets | $65,713,750 | 5,724 |
| Average equity | $7,094,500 | 5,881 |
| Average total loans | $24,248,500 | 6,518 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 4,474 |
| Cost of funding earning assets | 0.6511% | 6,226 |
| Net interest margin | 4.0630% | 2,558 |
| Noninterest income to average assets | 1.1580% | 955 |
| Noninterest expense to average assets | 3.5808% | 1,784 |
| Loan and lease loss provision to assets | 0.0411% | 5,798 |
| Net operating income to assets | 1.1580% | 1,696 |
| Return on assets (ROA) | 1.2593% | 1,487 |
| Pretax return on assets | 1.2593% | 2,271 |
| Return on Equity (ROE) | 13.4503% | 1,102 |
| Retained earnings to average equity (ytd only) | 9.9415% | 857 |
| Net charge-offs to loans | 0.4630% | 2,728 |
| Credit loss provision to net charge-offs | 26.7857% | 5,034 |
| Earnings coverage of net charge-offs (x) | 7.8214% | 2,161 |
| Efficiency ratio | 74.9141% | 3,198 |
| Assets per employee ($millions) | 2.4361% | 6,986 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 6,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 6,463 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 32.7127% | 7,087 |
| Net loans and leases to deposits | 39.3288% | 7,086 |
| Net loans and leases to core deposits | 40.0013% | 7,127 |
| Total domestic deposits to total assets | 83.1775% | 4,686 |
| Equity capital to assets | 9.5712% | 4,705 |
| Core capital (leverage) ratio | 9.1517% | 4,487 |
| Tier 1 risk-based capital ratio | 21.6214% | 1,307 |
| Total risk-based capital ratio | 22.2517% | 1,398 |
| Memoranda: | ||
| Average total assets | $73,057,000 | 5,748 |
| Average earning assets | $65,124,000 | 5,785 |
| Average equity | $6,840,000 | 5,966 |
| Average total loans | $24,188,670 | 6,582 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 4,691 |
| Cost of funding earning assets | 0.6749% | 6,274 |
| Net interest margin | 3.9869% | 2,742 |
| Noninterest income to average assets | 1.0692% | 1,145 |
| Noninterest expense to average assets | 3.4750% | 2,074 |
| Loan and lease loss provision to assets | 0.0446% | 5,444 |
| Net operating income to assets | 1.1027% | 1,835 |
| Return on assets (ROA) | 1.1027% | 1,882 |
| Pretax return on assets | 1.1027% | 2,744 |
| Return on Equity (ROE) | 11.9169% | 1,484 |
| Retained earnings to average equity (ytd only) | 7.4029% | 1,986 |
| Net charge-offs to loans | 0.2518% | 3,077 |
| Credit loss provision to net charge-offs | 53.3333% | 3,684 |
| Earnings coverage of net charge-offs (x) | 13.7333% | 1,414 |
| Efficiency ratio | 75.1807% | 3,305 |
| Assets per employee ($millions) | 2.4403% | 7,063 |
| Cash dividends to net income (ytd only)* | 37.8788% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 6,496 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.6977% | 7,141 |
| Net loans and leases to deposits | 38.0742% | 7,164 |
| Net loans and leases to core deposits | 38.7227% | 7,202 |
| Total domestic deposits to total assets | 85.8790% | 3,592 |
| Equity capital to assets | 9.0261% | 5,165 |
| Core capital (leverage) ratio | 9.0966% | 4,454 |
| Tier 1 risk-based capital ratio | 21.0484% | 1,384 |
| Total risk-based capital ratio | 21.7917% | 1,449 |
| Memoranda: | ||
| Average total assets | $71,826,500 | 5,823 |
| Average earning assets | $64,009,500 | 5,862 |
| Average equity | $6,646,000 | 6,046 |
| Average total loans | $23,832,500 | 6,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 5,829 |
| Cost of funding earning assets | 0.8247% | 6,465 |
| Net interest margin | 3.8673% | 3,653 |
| Noninterest income to average assets | 1.1293% | 1,156 |
| Noninterest expense to average assets | 3.8661% | 1,370 |
| Loan and lease loss provision to assets | 0.0962% | 6,183 |
| Net operating income to assets | 0.6150% | 3,607 |
| Return on assets (ROA) | 0.8647% | 2,675 |
| Pretax return on assets | 0.8647% | 3,426 |
| Return on Equity (ROE) | 8.4269% | 2,523 |
| Retained earnings to average equity (ytd only) | 4.0302% | 3,041 |
| Net charge-offs to loans | 0.1746% | 5,277 |
| Credit loss provision to net charge-offs | 168.4211% | 2,018 |
| Earnings coverage of net charge-offs (x) | 12.4474% | 1,500 |
| Efficiency ratio | 84.4612% | 1,870 |
| Assets per employee ($millions) | 2.3481% | 7,174 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 6,320 |
| Loan loss allowance to noncurrent loans | 23,800.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 6,531 |
| Noncurrent loans to loans | 0.0043% | 7,157 |
| Net loans and leases to total assets | 33.0168% | 7,258 |
| Net loans and leases to deposits | 39.2911% | 7,276 |
| Net loans and leases to core deposits | 40.0007% | 7,305 |
| Total domestic deposits to total assets | 84.0311% | 4,348 |
| Equity capital to assets | 9.4885% | 4,418 |
| Core capital (leverage) ratio | 9.3039% | 4,007 |
| Tier 1 risk-based capital ratio | 21.4972% | 1,247 |
| Total risk-based capital ratio | 22.2944% | 1,290 |
| Memoranda: | ||
| Average total assets | $66,500,400 | 5,979 |
| Average earning assets | $59,292,000 | 6,018 |
| Average equity | $6,823,400 | 6,098 |
| Average total loans | $21,765,200 | 6,838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 5,599 |
| Cost of funding earning assets | 0.8489% | 6,583 |
| Net interest margin | 3.9654% | 3,258 |
| Noninterest income to average assets | 1.0929% | 1,190 |
| Noninterest expense to average assets | 3.6551% | 1,661 |
| Loan and lease loss provision to assets | 0.0448% | 6,640 |
| Net operating income to assets | 0.9199% | 2,540 |
| Return on assets (ROA) | 1.1763% | 1,750 |
| Pretax return on assets | 1.1763% | 2,579 |
| Return on Equity (ROE) | 11.2368% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.3487% | 1,669 |
| Net charge-offs to loans | 0.1625% | 5,020 |
| Credit loss provision to net charge-offs | 84.6154% | 4,976 |
| Earnings coverage of net charge-offs (x) | 18.2284% | 1,275 |
| Efficiency ratio | 79.1189% | 2,471 |
| Assets per employee ($millions) | 2.2865% | 7,319 |
| Cash dividends to net income (ytd only)* | 34.6020% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 6,572 |
| Loan loss allowance to noncurrent loans | 109.4241% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 6,681 |
| Noncurrent loans to loans | 0.8677% | 5,486 |
| Net loans and leases to total assets | 31.7847% | 7,417 |
| Net loans and leases to deposits | 38.3316% | 7,413 |
| Net loans and leases to core deposits | 39.0560% | 7,443 |
| Total domestic deposits to total assets | 82.9203% | 4,626 |
| Equity capital to assets | 10.4408% | 3,584 |
| Core capital (leverage) ratio | 9.9851% | 3,270 |
| Tier 1 risk-based capital ratio | 22.6869% | 1,109 |
| Total risk-based capital ratio | 23.4142% | 1,151 |
| Memoranda: | ||
| Average total assets | $65,514,750 | 6,083 |
| Average earning assets | $58,268,750 | 6,119 |
| Average equity | $6,858,250 | 6,160 |
| Average total loans | $21,332,500 | 6,946 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8690% | 5,540 |
| Cost of funding earning assets | 0.8761% | 6,669 |
| Net interest margin | 3.9929% | 3,052 |
| Noninterest income to average assets | 1.0948% | 1,108 |
| Noninterest expense to average assets | 3.7465% | 1,456 |
| Loan and lease loss provision to assets | 0.0465% | 6,502 |
| Net operating income to assets | 0.8498% | 2,732 |
| Return on assets (ROA) | 0.8498% | 2,884 |
| Pretax return on assets | 0.8498% | 3,702 |
| Return on Equity (ROE) | 8.1101% | 2,848 |
| Retained earnings to average equity (ytd only) | 3.9663% | 3,553 |
| Net charge-offs to loans | 0.1327% | 4,885 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 20.6429% | 1,206 |
| Efficiency ratio | 80.6947% | 2,343 |
| Assets per employee ($millions) | 2.1793% | 7,457 |
| Cash dividends to net income (ytd only)* | 51.0949% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,542 |
| Loan loss allowance to noncurrent loans | 21,300.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,427 |
| Noncurrent loans to loans | 0.0045% | 7,329 |
| Net loans and leases to total assets | 33.3971% | 7,438 |
| Net loans and leases to deposits | 40.6066% | 7,430 |
| Net loans and leases to core deposits | 41.4161% | 7,463 |
| Total domestic deposits to total assets | 82.2453% | 4,888 |
| Equity capital to assets | 10.6806% | 3,192 |
| Core capital (leverage) ratio | 9.7272% | 3,500 |
| Tier 1 risk-based capital ratio | 22.1274% | 1,181 |
| Total risk-based capital ratio | 22.8782% | 1,233 |
| Memoranda: | ||
| Average total assets | $64,487,670 | 6,159 |
| Average earning assets | $57,301,330 | 6,191 |
| Average equity | $6,757,000 | 6,216 |
| Average total loans | $21,106,000 | 7,009 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 5,796 |
| Cost of funding earning assets | 0.8757% | 6,856 |
| Net interest margin | 3.9475% | 3,116 |
| Noninterest income to average assets | 1.1118% | 1,018 |
| Noninterest expense to average assets | 3.5290% | 1,912 |
| Loan and lease loss provision to assets | 0.0500% | 6,161 |
| Net operating income to assets | 1.0243% | 2,096 |
| Return on assets (ROA) | 1.0243% | 2,157 |
| Pretax return on assets | 1.0243% | 2,993 |
| Return on Equity (ROE) | 9.8736% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.4551% | 3,482 |
| Net charge-offs to loans | 0.2714% | 3,328 |
| Credit loss provision to net charge-offs | 57.1429% | 4,357 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 1,578 |
| Efficiency ratio | 76.6621% | 3,107 |
| Assets per employee ($millions) | 2.1719% | 7,563 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,553 |
| Loan loss allowance to noncurrent loans | 20,600.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,507 |
| Noncurrent loans to loans | 0.0048% | 7,412 |
| Net loans and leases to total assets | 31.8958% | 7,570 |
| Net loans and leases to deposits | 38.6089% | 7,560 |
| Net loans and leases to core deposits | 39.1522% | 7,598 |
| Total domestic deposits to total assets | 82.6125% | 4,792 |
| Equity capital to assets | 10.3398% | 3,422 |
| Core capital (leverage) ratio | 10.0438% | 3,112 |
| Tier 1 risk-based capital ratio | 22.6646% | 1,125 |
| Total risk-based capital ratio | 23.4157% | 1,160 |
| Memoranda: | ||
| Average total assets | $64,041,500 | 6,242 |
| Average earning assets | $56,643,000 | 6,292 |
| Average equity | $6,644,000 | 6,307 |
| Average total loans | $20,635,000 | 7,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3795% | 4,792 |
| Cost of funding earning assets | 1.1250% | 6,902 |
| Net interest margin | 4.2546% | 1,876 |
| Noninterest income to average assets | 1.1225% | 1,219 |
| Noninterest expense to average assets | 4.1778% | 1,118 |
| Loan and lease loss provision to assets | 0.0687% | 6,891 |
| Net operating income to assets | 0.4789% | 3,817 |
| Return on assets (ROA) | 0.6179% | 3,336 |
| Pretax return on assets | 0.6179% | 3,852 |
| Return on Equity (ROE) | 5.5250% | 3,410 |
| Retained earnings to average equity (ytd only) | 2.3021% | 3,504 |
| Net charge-offs to loans | 0.0872% | 6,249 |
| Credit loss provision to net charge-offs | 250.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 19.9375% | 1,062 |
| Efficiency ratio | 88.4126% | 1,847 |
| Assets per employee ($millions) | 2.0976% | 7,658 |
| Cash dividends to net income (ytd only)* | 58.3333% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 31.8941% | 7,662 |
| Net loans and leases to deposits | 36.4836% | 7,714 |
| Net loans and leases to core deposits | 41.7360% | 7,737 |
| Total domestic deposits to total assets | 87.4203% | 2,257 |
| Equity capital to assets | 10.4105% | 3,272 |
| Core capital (leverage) ratio | 9.8312% | 3,296 |
| Tier 1 risk-based capital ratio | 23.1864% | 1,027 |
| Total risk-based capital ratio | 23.9866% | 1,051 |
| Memoranda: | ||
| Average total assets | $58,260,800 | 6,421 |
| Average earning assets | $49,335,200 | 6,553 |
| Average equity | $6,515,800 | 6,419 |
| Average total loans | $18,356,800 | 7,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 4,008 |
| Cost of funding earning assets | 1.1810% | 6,942 |
| Net interest margin | 4.3933% | 1,459 |
| Noninterest income to average assets | 1.1139% | 1,273 |
| Noninterest expense to average assets | 3.9162% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8897% | 2,453 |
| Return on assets (ROA) | 1.0789% | 1,853 |
| Pretax return on assets | 1.0789% | 2,643 |
| Return on Equity (ROE) | 9.4664% | 2,109 |
| Retained earnings to average equity (ytd only) | 6.3930% | 1,771 |
| Net charge-offs to loans | 0.0224% | 6,581 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 126.9975% | 296 |
| Efficiency ratio | 81.4869% | 2,647 |
| Assets per employee ($millions) | 1.9918% | 7,806 |
| Cash dividends to net income (ytd only)* | 32.4686% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 6,512 |
| Loan loss allowance to noncurrent loans | 1,156.2500% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,517 |
| Noncurrent loans to loans | 0.0826% | 7,279 |
| Net loans and leases to total assets | 32.0894% | 7,747 |
| Net loans and leases to deposits | 37.1349% | 7,798 |
| Net loans and leases to core deposits | 43.9582% | 7,801 |
| Total domestic deposits to total assets | 86.4129% | 2,468 |
| Equity capital to assets | 11.2677% | 2,778 |
| Core capital (leverage) ratio | 10.8103% | 2,556 |
| Tier 1 risk-based capital ratio | 25.1245% | 882 |
| Total risk-based capital ratio | 25.8617% | 918 |
| Memoranda: | ||
| Average total assets | $57,094,250 | 6,502 |
| Average earning assets | $47,980,750 | 6,647 |
| Average equity | $6,507,000 | 6,483 |
| Average total loans | $17,875,500 | 7,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6276% | 3,928 |
| Cost of funding earning assets | 1.2276% | 7,028 |
| Net interest margin | 4.4000% | 1,412 |
| Noninterest income to average assets | 1.1066% | 1,299 |
| Noninterest expense to average assets | 3.8429% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9750% | 2,195 |
| Return on assets (ROA) | 0.9750% | 2,290 |
| Pretax return on assets | 0.9750% | 3,096 |
| Return on Equity (ROE) | 8.5203% | 2,562 |
| Retained earnings to average equity (ytd only) | 6.1881% | 1,934 |
| Net charge-offs to loans | 0.1726% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 18.2667% | 1,420 |
| Efficiency ratio | 79.7637% | 3,085 |
| Assets per employee ($millions) | 1.9706% | 7,872 |
| Cash dividends to net income (ytd only)* | 27.3723% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 6,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.1907% | 7,835 |
| Net loans and leases to deposits | 37.2728% | 7,882 |
| Net loans and leases to core deposits | 43.4237% | 7,880 |
| Total domestic deposits to total assets | 86.3650% | 2,588 |
| Equity capital to assets | 11.2989% | 2,682 |
| Core capital (leverage) ratio | 10.9740% | 2,419 |
| Tier 1 risk-based capital ratio | 25.4606% | 901 |
| Total risk-based capital ratio | 26.1721% | 930 |
| Memoranda: | ||
| Average total assets | $56,207,330 | 6,583 |
| Average earning assets | $47,409,330 | 6,732 |
| Average equity | $6,431,670 | 6,559 |
| Average total loans | $17,380,670 | 7,468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7078% | 3,763 |
| Cost of funding earning assets | 1.2864% | 7,059 |
| Net interest margin | 4.4214% | 1,299 |
| Noninterest income to average assets | 1.0478% | 1,357 |
| Noninterest expense to average assets | 3.6170% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1554% | 1,787 |
| Return on assets (ROA) | 1.1554% | 1,907 |
| Pretax return on assets | 1.1554% | 2,785 |
| Return on Equity (ROE) | 10.0327% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.1633% | 1,747 |
| Net charge-offs to loans | 0.1906% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,391 |
| Efficiency ratio | 75.7895% | 3,524 |
| Assets per employee ($millions) | 1.9943% | 7,906 |
| Cash dividends to net income (ytd only)* | 18.6335% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 31.1408% | 7,890 |
| Net loans and leases to deposits | 36.1653% | 7,939 |
| Net loans and leases to core deposits | 41.8508% | 7,949 |
| Total domestic deposits to total assets | 86.1067% | 2,657 |
| Equity capital to assets | 11.6458% | 2,480 |
| Core capital (leverage) ratio | 11.1950% | 2,343 |
| Tier 1 risk-based capital ratio | 26.0000% | 891 |
| Total risk-based capital ratio | 26.7601% | 908 |
| Memoranda: | ||
| Average total assets | $55,737,500 | 6,642 |
| Average earning assets | $46,953,500 | 6,797 |
| Average equity | $6,419,000 | 6,608 |
| Average total loans | $16,786,500 | 7,544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9466% | 5,821 |
| Cost of funding earning assets | 1.5674% | 7,506 |
| Net interest margin | 4.3792% | 1,752 |
| Noninterest income to average assets | 1.1105% | 1,270 |
| Noninterest expense to average assets | 4.1012% | 1,279 |
| Loan and lease loss provision to assets | 0.1020% | 6,078 |
| Net operating income to assets | 0.6928% | 3,925 |
| Return on assets (ROA) | 0.6928% | 3,756 |
| Pretax return on assets | 0.6928% | 4,423 |
| Return on Equity (ROE) | 5.8328% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.4303% | 3,684 |
| Net charge-offs to loans | 0.1243% | 4,995 |
| Credit loss provision to net charge-offs | 294.4444% | 1,536 |
| Earnings coverage of net charge-offs (x) | 22.9444% | 1,441 |
| Efficiency ratio | 83.7657% | 2,084 |
| Assets per employee ($millions) | 1.9870% | 7,919 |
| Cash dividends to net income (ytd only)* | 58.3333% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,742 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 7,642 |
| Noncurrent loans to loans | 0.0125% | 7,494 |
| Net loans and leases to total assets | 28.4299% | 8,026 |
| Net loans and leases to deposits | 32.9007% | 8,082 |
| Net loans and leases to core deposits | 36.7487% | 8,100 |
| Total domestic deposits to total assets | 86.4114% | 2,213 |
| Equity capital to assets | 11.3867% | 2,710 |
| Core capital (leverage) ratio | 11.0791% | 2,526 |
| Tier 1 risk-based capital ratio | 26.3776% | 868 |
| Total risk-based capital ratio | 27.2051% | 887 |
| Memoranda: | ||
| Average total assets | $51,960,200 | 6,695 |
| Average earning assets | $44,916,400 | 6,816 |
| Average equity | $6,172,000 | 6,748 |
| Average total loans | $14,475,800 | 7,679 |