Home > Summit National Bank > Performance and Condition Ratios
Summit National 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 | 4.4080% | 3,263 |
| Cost of funding earning assets | 0.7695% | 3,812 |
| Net interest margin | 3.6384% | 1,883 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 5.4736% | 195 |
| Loan and lease loss provision to assets | -0.2400% | 4,570 |
| Net operating income to assets | -1.4037% | 4,553 |
| Return on assets (ROA) | -1.3876% | 4,545 |
| Pretax return on assets | -1.0866% | 4,523 |
| Return on Equity (ROE) | -15.5600% | 4,528 |
| Retained earnings to average equity (ytd only) | -15.5567% | 4,501 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 131.8026% | 60 |
| Assets per employee ($millions) | 4.2248% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 606 |
| Loan loss allowance to noncurrent loans | 528.2209% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 2,531 |
| Noncurrent loans to loans | 0.3293% | 2,004 |
| Net loans and leases to total assets | 44.2700% | 3,886 |
| Net loans and leases to deposits | 48.8562% | 3,974 |
| Net loans and leases to core deposits | 68.1240% | 3,401 |
| Total domestic deposits to total assets | 90.6200% | 597 |
| Equity capital to assets | 8.4219% | 3,107 |
| Core capital (leverage) ratio | 9.0796% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7876% | 708 |
| Memoranda: | ||
| Average total assets | $99,021,400 | 3,843 |
| Average earning assets | $91,357,600 | 3,826 |
| Average equity | $8,832,200 | 3,837 |
| Average total loans | $49,179,800 | 3,853 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 3,216 |
| Cost of funding earning assets | 0.4947% | 4,146 |
| Net interest margin | 3.8446% | 1,507 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 4.8091% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.9399% | 4,565 |
| Return on assets (ROA) | -0.9289% | 4,559 |
| Pretax return on assets | -0.4084% | 4,502 |
| Return on Equity (ROE) | -10.2500% | 4,544 |
| Retained earnings to average equity (ytd only) | -10.2509% | 4,505 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 108.9877% | 108 |
| Assets per employee ($millions) | 6.7544% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 320 |
| Loan loss allowance to noncurrent loans | 656.2874% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 2,649 |
| Noncurrent loans to loans | 0.3288% | 2,052 |
| Net loans and leases to total assets | 40.8800% | 4,022 |
| Net loans and leases to deposits | 44.7317% | 4,085 |
| Net loans and leases to core deposits | 53.3056% | 3,956 |
| Total domestic deposits to total assets | 91.3900% | 581 |
| Equity capital to assets | 7.8977% | 3,121 |
| Core capital (leverage) ratio | 9.2664% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7746% | 725 |
| Memoranda: | ||
| Average total assets | $96,315,500 | 3,877 |
| Average earning assets | $88,399,500 | 3,863 |
| Average equity | $8,727,500 | 3,857 |
| Average total loans | $49,101,750 | 3,863 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 3,472 |
| Cost of funding earning assets | 0.3343% | 4,265 |
| Net interest margin | 3.7764% | 1,667 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.7181% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2904% | 4,167 |
| Return on assets (ROA) | 0.2981% | 4,188 |
| Pretax return on assets | 0.3550% | 4,174 |
| Return on Equity (ROE) | 3.1100% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.1057% | 3,450 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.8175% | 331 |
| Assets per employee ($millions) | 5.1352% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 293 |
| Loan loss allowance to noncurrent loans | 371.5254% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 1,770 |
| Noncurrent loans to loans | 0.6005% | 1,236 |
| Net loans and leases to total assets | 46.7600% | 3,753 |
| Net loans and leases to deposits | 51.0556% | 3,876 |
| Net loans and leases to core deposits | 52.3644% | 3,938 |
| Total domestic deposits to total assets | 91.5900% | 488 |
| Equity capital to assets | 8.2645% | 3,042 |
| Core capital (leverage) ratio | 10.0252% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0358% | 810 |
| Memoranda: | ||
| Average total assets | $87,894,333 | 3,963 |
| Average earning assets | $80,765,000 | 3,961 |
| Average equity | $8,436,000 | 3,912 |
| Average total loans | $48,537,000 | 3,876 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 3,809 |
| Cost of funding earning assets | 0.2161% | 4,348 |
| Net interest margin | 3.6085% | 2,108 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.3197% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3181% | 4,224 |
| Return on assets (ROA) | 0.3330% | 4,158 |
| Pretax return on assets | 0.3230% | 4,242 |
| Return on Equity (ROE) | 3.1900% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.1867% | 3,464 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.6849% | 334 |
| Assets per employee ($millions) | 3.7585% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 295 |
| Loan loss allowance to noncurrent loans | 243.0155% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 901 |
| Noncurrent loans to loans | 0.9367% | 802 |
| Net loans and leases to total assets | 59.6100% | 2,702 |
| Net loans and leases to deposits | 67.4808% | 2,814 |
| Net loans and leases to core deposits | 68.5505% | 3,052 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 10.8110% | 1,414 |
| Core capital (leverage) ratio | 11.3993% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5318% | 903 |
| Memoranda: | ||
| Average total assets | $80,489,500 | 4,095 |
| Average earning assets | $74,047,000 | 4,079 |
| Average equity | $8,410,000 | 3,964 |
| Average total loans | $48,244,500 | 3,933 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2484% | 3,722 |
| Cost of funding earning assets | 0.1448% | 4,151 |
| Net interest margin | 3.1036% | 3,169 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.6572% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.2255% | 4,610 |
| Return on assets (ROA) | -0.2272% | 4,599 |
| Pretax return on assets | -0.5375% | 4,628 |
| Return on Equity (ROE) | -2.4800% | 4,594 |
| Retained earnings to average equity (ytd only) | -2.4814% | 4,504 |
| Net charge-offs to loans | -0.0021% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 116.3307% | 70 |
| Assets per employee ($millions) | 4.1025% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2672% | 280 |
| Loan loss allowance to noncurrent loans | 226.4463% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 849 |
| Noncurrent loans to loans | 1.0012% | 732 |
| Net loans and leases to total assets | 57.5800% | 2,861 |
| Net loans and leases to deposits | 64.6869% | 2,981 |
| Net loans and leases to core deposits | 65.3915% | 3,175 |
| Total domestic deposits to total assets | 89.0200% | 1,712 |
| Equity capital to assets | 10.0999% | 1,664 |
| Core capital (leverage) ratio | 10.3208% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9632% | 834 |
| Memoranda: | ||
| Average total assets | $93,760,000 | 3,978 |
| Average earning assets | $87,736,400 | 3,950 |
| Average equity | $8,583,800 | 4,039 |
| Average total loans | $47,033,000 | 3,945 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9834% | 3,913 |
| Cost of funding earning assets | 0.1410% | 3,931 |
| Net interest margin | 2.8424% | 3,645 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 3.5536% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.6127% | 4,689 |
| Return on assets (ROA) | -0.6192% | 4,676 |
| Pretax return on assets | -0.6592% | 4,671 |
| Return on Equity (ROE) | -6.9100% | 4,678 |
| Retained earnings to average equity (ytd only) | -6.9144% | 4,638 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 121.6255% | 65 |
| Assets per employee ($millions) | 4.6497% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 331 |
| Loan loss allowance to noncurrent loans | 184.6543% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 831 |
| Noncurrent loans to loans | 1.2087% | 608 |
| Net loans and leases to total assets | 51.5800% | 3,323 |
| Net loans and leases to deposits | 56.8565% | 3,412 |
| Net loans and leases to core deposits | 57.9298% | 3,506 |
| Total domestic deposits to total assets | 90.7200% | 1,350 |
| Equity capital to assets | 8.4694% | 2,563 |
| Core capital (leverage) ratio | 9.2900% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1471% | 968 |
| Memoranda: | ||
| Average total assets | $96,687,500 | 3,983 |
| Average earning assets | $90,766,500 | 3,952 |
| Average equity | $8,658,000 | 4,072 |
| Average total loans | $46,705,750 | 3,965 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7637% | 4,042 |
| Cost of funding earning assets | 0.1403% | 3,708 |
| Net interest margin | 2.6233% | 3,863 |
| Noninterest income to average assets | 0.2390% | 3,738 |
| Noninterest expense to average assets | 3.5601% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.7890% | 4,704 |
| Return on assets (ROA) | -0.7986% | 4,692 |
| Pretax return on assets | -0.8497% | 4,691 |
| Return on Equity (ROE) | -8.7681% | 4,716 |
| Retained earnings to average equity (ytd only) | -8.7681% | 4,637 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.9550% | 60 |
| Assets per employee ($millions) | 4.1906% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3149% | 322 |
| Loan loss allowance to noncurrent loans | 291.2234% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 1,444 |
| Noncurrent loans to loans | 0.7949% | 1,081 |
| Net loans and leases to total assets | 47.9421% | 3,558 |
| Net loans and leases to deposits | 52.7868% | 3,626 |
| Net loans and leases to core deposits | 53.7452% | 3,705 |
| Total domestic deposits to total assets | 90.8220% | 1,324 |
| Equity capital to assets | 8.6281% | 2,672 |
| Core capital (leverage) ratio | 9.3101% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0753% | 839 |
| Memoranda: | ||
| Average total assets | $97,918,667 | 4,012 |
| Average earning assets | $92,630,667 | 3,985 |
| Average equity | $8,918,667 | 4,113 |
| Average total loans | $45,920,333 | 4,031 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6568% | 4,018 |
| Cost of funding earning assets | 0.1452% | 3,562 |
| Net interest margin | 2.5116% | 3,885 |
| Noninterest income to average assets | 0.1905% | 4,024 |
| Noninterest expense to average assets | 3.5425% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.9125% | 4,735 |
| Return on assets (ROA) | -0.9201% | 4,731 |
| Pretax return on assets | -0.9768% | 4,727 |
| Return on Equity (ROE) | -9.8482% | 4,742 |
| Retained earnings to average equity (ytd only) | -9.8482% | 4,558 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.6929% | 60 |
| Assets per employee ($millions) | 5.4822% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 335 |
| Loan loss allowance to noncurrent loans | 280.0512% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 1,515 |
| Noncurrent loans to loans | 0.8440% | 1,110 |
| Net loans and leases to total assets | 45.8365% | 3,597 |
| Net loans and leases to deposits | 50.5645% | 3,688 |
| Net loans and leases to core deposits | 51.0116% | 3,807 |
| Total domestic deposits to total assets | 90.6495% | 1,215 |
| Equity capital to assets | 8.8732% | 2,820 |
| Core capital (leverage) ratio | 9.1954% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8548% | 778 |
| Memoranda: | ||
| Average total assets | $98,686,500 | 4,018 |
| Average earning assets | $93,645,500 | 3,989 |
| Average equity | $9,220,000 | 4,141 |
| Average total loans | $45,229,000 | 4,056 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 3,265 |
| Cost of funding earning assets | 0.1881% | 3,575 |
| Net interest margin | 3.0938% | 2,920 |
| Noninterest income to average assets | 0.3111% | 3,545 |
| Noninterest expense to average assets | 2.6973% | 1,639 |
| Loan and lease loss provision to assets | 0.0108% | 2,866 |
| Net operating income to assets | 0.4954% | 4,101 |
| Return on assets (ROA) | 0.6846% | 3,717 |
| Pretax return on assets | 0.7233% | 3,880 |
| Return on Equity (ROE) | 6.6343% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.6343% | 2,063 |
| Net charge-offs to loans | -0.0599% | 4,406 |
| Credit loss provision to net charge-offs | -37.0370% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6507% | 637 |
| Assets per employee ($millions) | 5.4830% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 287 |
| Loan loss allowance to noncurrent loans | 417.9389% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 2,220 |
| Noncurrent loans to loans | 0.5937% | 1,652 |
| Net loans and leases to total assets | 43.6065% | 3,858 |
| Net loans and leases to deposits | 48.8729% | 3,952 |
| Net loans and leases to core deposits | 49.1705% | 4,046 |
| Total domestic deposits to total assets | 89.2243% | 1,399 |
| Equity capital to assets | 9.8121% | 2,837 |
| Core capital (leverage) ratio | 9.1809% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5625% | 589 |
| Memoranda: | ||
| Average total assets | $92,906,200 | 4,071 |
| Average earning assets | $87,724,600 | 4,044 |
| Average equity | $9,586,600 | 4,186 |
| Average total loans | $45,038,400 | 4,087 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 2,789 |
| Cost of funding earning assets | 0.1936% | 3,681 |
| Net interest margin | 3.3199% | 2,358 |
| Noninterest income to average assets | 0.3250% | 3,480 |
| Noninterest expense to average assets | 2.5651% | 1,944 |
| Loan and lease loss provision to assets | 0.0142% | 2,708 |
| Net operating income to assets | 0.7445% | 3,667 |
| Return on assets (ROA) | 0.9779% | 3,075 |
| Pretax return on assets | 1.1091% | 3,177 |
| Return on Equity (ROE) | 9.3562% | 2,981 |
| Retained earnings to average equity (ytd only) | 9.3562% | 1,549 |
| Net charge-offs to loans | -0.1620% | 4,739 |
| Credit loss provision to net charge-offs | -18.1818% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1592% | 1,204 |
| Assets per employee ($millions) | 5.8215% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 291 |
| Loan loss allowance to noncurrent loans | 597.3404% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 2,524 |
| Noncurrent loans to loans | 0.4168% | 2,311 |
| Net loans and leases to total assets | 44.4435% | 3,917 |
| Net loans and leases to deposits | 49.9636% | 4,008 |
| Net loans and leases to core deposits | 50.1248% | 4,127 |
| Total domestic deposits to total assets | 88.9518% | 1,307 |
| Equity capital to assets | 9.9529% | 2,944 |
| Core capital (leverage) ratio | 9.9260% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2938% | 666 |
| Memoranda: | ||
| Average total assets | $91,483,000 | 4,137 |
| Average earning assets | $85,381,000 | 4,116 |
| Average equity | $9,562,000 | 4,242 |
| Average total loans | $45,265,000 | 4,142 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 2,548 |
| Cost of funding earning assets | 0.2154% | 3,598 |
| Net interest margin | 3.4104% | 2,108 |
| Noninterest income to average assets | 0.3551% | 3,340 |
| Noninterest expense to average assets | 2.6385% | 1,755 |
| Loan and lease loss provision to assets | 0.0225% | 2,522 |
| Net operating income to assets | 0.7280% | 3,690 |
| Return on assets (ROA) | 0.7394% | 3,726 |
| Pretax return on assets | 0.8743% | 3,719 |
| Return on Equity (ROE) | 6.9512% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.9512% | 2,450 |
| Net charge-offs to loans | -0.0132% | 3,799 |
| Credit loss provision to net charge-offs | -333.3333% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1544% | 1,234 |
| Assets per employee ($millions) | 5.1920% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 353 |
| Loan loss allowance to noncurrent loans | 180.3030% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 1,109 |
| Noncurrent loans to loans | 1.2830% | 920 |
| Net loans and leases to total assets | 51.2395% | 3,425 |
| Net loans and leases to deposits | 58.3223% | 3,517 |
| Net loans and leases to core deposits | 58.5359% | 3,725 |
| Total domestic deposits to total assets | 87.8558% | 1,909 |
| Equity capital to assets | 10.9218% | 2,046 |
| Core capital (leverage) ratio | 10.2240% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9286% | 817 |
| Memoranda: | ||
| Average total assets | $88,988,667 | 4,183 |
| Average earning assets | $82,628,667 | 4,175 |
| Average equity | $9,466,000 | 4,266 |
| Average total loans | $45,317,667 | 4,168 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4029% | 3,185 |
| Cost of funding earning assets | 0.2469% | 3,504 |
| Net interest margin | 3.1561% | 2,820 |
| Noninterest income to average assets | 0.3134% | 3,531 |
| Noninterest expense to average assets | 2.4667% | 2,276 |
| Loan and lease loss provision to assets | 0.0448% | 2,174 |
| Net operating income to assets | 0.5905% | 3,966 |
| Return on assets (ROA) | 0.6088% | 3,982 |
| Pretax return on assets | 0.7431% | 3,930 |
| Return on Equity (ROE) | 5.8002% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.8002% | 2,963 |
| Net charge-offs to loans | -0.0268% | 4,120 |
| Credit loss provision to net charge-offs | -333.3333% | 3,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4848% | 1,182 |
| Assets per employee ($millions) | 4.9159% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4048% | 304 |
| Loan loss allowance to noncurrent loans | 295.8564% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 1,721 |
| Noncurrent loans to loans | 0.8128% | 1,638 |
| Net loans and leases to total assets | 49.1202% | 3,702 |
| Net loans and leases to deposits | 55.8253% | 3,802 |
| Net loans and leases to core deposits | 56.0282% | 3,973 |
| Total domestic deposits to total assets | 87.9892% | 1,849 |
| Equity capital to assets | 10.6626% | 2,121 |
| Core capital (leverage) ratio | 9.9037% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4582% | 1,001 |
| Memoranda: | ||
| Average total assets | $89,351,000 | 4,194 |
| Average earning assets | $82,634,500 | 4,185 |
| Average equity | $9,379,000 | 4,286 |
| Average total loans | $44,828,000 | 4,193 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 1,967 |
| Cost of funding earning assets | 0.3502% | 3,868 |
| Net interest margin | 3.9162% | 1,173 |
| Noninterest income to average assets | 0.3647% | 3,288 |
| Noninterest expense to average assets | 2.8285% | 1,872 |
| Loan and lease loss provision to assets | 0.2454% | 1,577 |
| Net operating income to assets | 0.7436% | 3,282 |
| Return on assets (ROA) | 0.7515% | 3,385 |
| Pretax return on assets | 0.8813% | 3,423 |
| Return on Equity (ROE) | 7.2042% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.2042% | 1,319 |
| Net charge-offs to loans | 0.1735% | 958 |
| Credit loss provision to net charge-offs | 235.9551% | 1,988 |
| Earnings coverage of net charge-offs (x) | 10.7416% | 2,442 |
| Efficiency ratio | 70.9716% | 1,817 |
| Assets per employee ($millions) | 4.7482% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3449% | 319 |
| Loan loss allowance to noncurrent loans | 260.5911% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 2,004 |
| Noncurrent loans to loans | 0.8998% | 1,566 |
| Net loans and leases to total assets | 48.8411% | 3,916 |
| Net loans and leases to deposits | 55.1595% | 4,059 |
| Net loans and leases to core deposits | 57.1106% | 4,090 |
| Total domestic deposits to total assets | 88.5451% | 1,197 |
| Equity capital to assets | 10.3342% | 2,803 |
| Core capital (leverage) ratio | 9.6669% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0461% | 1,050 |
| Memoranda: | ||
| Average total assets | $85,558,000 | 4,180 |
| Average earning assets | $78,238,600 | 4,181 |
| Average equity | $8,925,400 | 4,327 |
| Average total loans | $51,289,600 | 4,091 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,358 |
| Cost of funding earning assets | 0.3743% | 3,937 |
| Net interest margin | 4.2087% | 716 |
| Noninterest income to average assets | 0.2828% | 3,790 |
| Noninterest expense to average assets | 2.8232% | 1,905 |
| Loan and lease loss provision to assets | 0.2844% | 1,416 |
| Net operating income to assets | 0.8718% | 2,811 |
| Return on assets (ROA) | 0.8800% | 2,905 |
| Pretax return on assets | 1.0222% | 2,983 |
| Return on Equity (ROE) | 8.4143% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.4143% | 1,167 |
| Net charge-offs to loans | 0.1287% | 1,110 |
| Credit loss provision to net charge-offs | 352.9412% | 1,598 |
| Earnings coverage of net charge-offs (x) | 16.0980% | 2,068 |
| Efficiency ratio | 68.5199% | 2,111 |
| Assets per employee ($millions) | 4.7889% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0111% | 488 |
| Loan loss allowance to noncurrent loans | 162.6524% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 1,308 |
| Noncurrent loans to loans | 1.2364% | 1,233 |
| Net loans and leases to total assets | 60.3121% | 3,194 |
| Net loans and leases to deposits | 68.6043% | 3,422 |
| Net loans and leases to core deposits | 71.1545% | 3,547 |
| Total domestic deposits to total assets | 87.9130% | 1,257 |
| Equity capital to assets | 10.7042% | 2,618 |
| Core capital (leverage) ratio | 10.0287% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9421% | 1,261 |
| Memoranda: | ||
| Average total assets | $84,393,750 | 4,196 |
| Average earning assets | $76,950,250 | 4,209 |
| Average equity | $8,826,000 | 4,350 |
| Average total loans | $52,832,000 | 4,070 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,914 |
| Cost of funding earning assets | 0.4012% | 4,030 |
| Net interest margin | 4.0983% | 1,118 |
| Noninterest income to average assets | 0.2817% | 3,781 |
| Noninterest expense to average assets | 2.8762% | 1,893 |
| Loan and lease loss provision to assets | 0.1671% | 2,334 |
| Net operating income to assets | 0.8280% | 2,945 |
| Return on assets (ROA) | 0.8402% | 3,013 |
| Pretax return on assets | 0.9834% | 3,077 |
| Return on Equity (ROE) | 8.0991% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.0991% | 1,270 |
| Net charge-offs to loans | -0.0038% | 3,932 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6835% | 1,736 |
| Assets per employee ($millions) | 4.7381% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 552 |
| Loan loss allowance to noncurrent loans | 105.7652% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 863 |
| Noncurrent loans to loans | 1.7781% | 793 |
| Net loans and leases to total assets | 61.7253% | 3,150 |
| Net loans and leases to deposits | 69.9547% | 3,426 |
| Net loans and leases to core deposits | 72.8613% | 3,528 |
| Total domestic deposits to total assets | 88.2361% | 1,071 |
| Equity capital to assets | 10.5680% | 2,690 |
| Core capital (leverage) ratio | 9.7795% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5531% | 1,352 |
| Memoranda: | ||
| Average total assets | $83,791,667 | 4,210 |
| Average earning assets | $76,275,667 | 4,223 |
| Average equity | $8,692,333 | 4,375 |
| Average total loans | $52,757,333 | 4,085 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,691 |
| Cost of funding earning assets | 0.4590% | 4,120 |
| Net interest margin | 3.9204% | 1,604 |
| Noninterest income to average assets | 0.2746% | 3,888 |
| Noninterest expense to average assets | 2.8322% | 2,331 |
| Loan and lease loss provision to assets | 0.1445% | 1,949 |
| Net operating income to assets | 0.7321% | 3,159 |
| Return on assets (ROA) | 0.7321% | 3,246 |
| Pretax return on assets | 0.8766% | 3,205 |
| Return on Equity (ROE) | 7.1261% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.1261% | 1,493 |
| Net charge-offs to loans | -0.0076% | 3,981 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5000% | 1,884 |
| Assets per employee ($millions) | 4.7746% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 644 |
| Loan loss allowance to noncurrent loans | 103.3049% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 1,015 |
| Noncurrent loans to loans | 1.8087% | 829 |
| Net loans and leases to total assets | 59.2148% | 3,574 |
| Net loans and leases to deposits | 66.8615% | 3,805 |
| Net loans and leases to core deposits | 69.5945% | 3,903 |
| Total domestic deposits to total assets | 88.5634% | 855 |
| Equity capital to assets | 10.1253% | 3,671 |
| Core capital (leverage) ratio | 9.8769% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,044,500 | 4,226 |
| Average earning assets | $75,809,500 | 4,228 |
| Average equity | $8,532,000 | 4,422 |
| Average total loans | $52,310,000 | 4,106 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 1,663 |
| Cost of funding earning assets | 0.4507% | 4,269 |
| Net interest margin | 4.4796% | 747 |
| Noninterest income to average assets | 0.3184% | 3,790 |
| Noninterest expense to average assets | 3.4987% | 964 |
| Loan and lease loss provision to assets | 0.0934% | 2,164 |
| Net operating income to assets | 0.6830% | 3,917 |
| Return on assets (ROA) | 0.7053% | 3,919 |
| Pretax return on assets | 0.7921% | 3,987 |
| Return on Equity (ROE) | 7.1273% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.4041% | 3,311 |
| Net charge-offs to loans | 0.2524% | 819 |
| Credit loss provision to net charge-offs | 51.0791% | 3,118 |
| Earnings coverage of net charge-offs (x) | 4.7050% | 3,181 |
| Efficiency ratio | 80.2596% | 923 |
| Assets per employee ($millions) | 4.2174% | 3,613 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 685 |
| Loan loss allowance to noncurrent loans | 85.6621% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 674 |
| Noncurrent loans to loans | 2.0754% | 609 |
| Net loans and leases to total assets | 64.6724% | 3,110 |
| Net loans and leases to deposits | 73.1267% | 3,423 |
| Net loans and leases to core deposits | 76.9021% | 3,520 |
| Total domestic deposits to total assets | 88.4388% | 917 |
| Equity capital to assets | 10.4355% | 3,509 |
| Core capital (leverage) ratio | 9.7573% | 3,781 |
| Tier 1 risk-based capital ratio | 13.9388% | 3,302 |
| Total risk-based capital ratio | 15.1929% | 3,203 |
| Memoranda: | ||
| Average total assets | $76,000,200 | 4,350 |
| Average earning assets | $68,554,600 | 4,365 |
| Average equity | $7,520,400 | 4,570 |
| Average total loans | $55,067,600 | 4,077 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 1,693 |
| Cost of funding earning assets | 0.4428% | 4,354 |
| Net interest margin | 4.5013% | 760 |
| Noninterest income to average assets | 0.3326% | 3,756 |
| Noninterest expense to average assets | 3.3969% | 1,097 |
| Loan and lease loss provision to assets | 0.0338% | 3,228 |
| Net operating income to assets | 0.7730% | 3,762 |
| Return on assets (ROA) | 0.8003% | 3,744 |
| Pretax return on assets | 0.9853% | 3,637 |
| Return on Equity (ROE) | 8.2078% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.6114% | 3,596 |
| Net charge-offs to loans | 0.3738% | 452 |
| Credit loss provision to net charge-offs | 12.1795% | 2,997 |
| Earnings coverage of net charge-offs (x) | 3.5514% | 3,089 |
| Efficiency ratio | 77.5162% | 1,152 |
| Assets per employee ($millions) | 3.7182% | 4,257 |
| Cash dividends to net income (ytd only)* | 55.9993% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,176 |
| Loan loss allowance to noncurrent loans | 97.2067% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 831 |
| Noncurrent loans to loans | 1.5699% | 943 |
| Net loans and leases to total assets | 75.4949% | 1,564 |
| Net loans and leases to deposits | 85.3933% | 2,274 |
| Net loans and leases to core deposits | 89.7395% | 2,563 |
| Total domestic deposits to total assets | 88.4084% | 866 |
| Equity capital to assets | 10.0331% | 3,987 |
| Core capital (leverage) ratio | 9.4656% | 4,203 |
| Tier 1 risk-based capital ratio | 12.2952% | 4,260 |
| Total risk-based capital ratio | 13.5481% | 4,140 |
| Memoranda: | ||
| Average total assets | $74,967,750 | 4,417 |
| Average earning assets | $67,445,250 | 4,436 |
| Average equity | $7,310,000 | 4,653 |
| Average total loans | $55,644,500 | 4,109 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 1,855 |
| Cost of funding earning assets | 0.4112% | 4,465 |
| Net interest margin | 4.4552% | 844 |
| Noninterest income to average assets | 0.3246% | 3,772 |
| Noninterest expense to average assets | 3.3657% | 1,162 |
| Loan and lease loss provision to assets | -0.0293% | 5,148 |
| Net operating income to assets | 0.8088% | 3,621 |
| Return on assets (ROA) | 0.8088% | 3,680 |
| Pretax return on assets | 0.9951% | 3,567 |
| Return on Equity (ROE) | 8.3750% | 3,123 |
| Retained earnings to average equity (ytd only) | 3.7467% | 3,382 |
| Net charge-offs to loans | -0.0761% | 4,949 |
| Credit loss provision to net charge-offs | 52.3810% | 2,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7027% | 1,193 |
| Assets per employee ($millions) | 3.6741% | 4,277 |
| Cash dividends to net income (ytd only)* | 55.2632% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 673 |
| Loan loss allowance to noncurrent loans | 72.6037% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.1026% | 420 |
| Noncurrent loans to loans | 2.4888% | 481 |
| Net loans and leases to total assets | 75.0606% | 1,713 |
| Net loans and leases to deposits | 84.7381% | 2,405 |
| Net loans and leases to core deposits | 92.0463% | 2,415 |
| Total domestic deposits to total assets | 88.5795% | 841 |
| Equity capital to assets | 10.1004% | 3,886 |
| Core capital (leverage) ratio | 9.1628% | 4,498 |
| Tier 1 risk-based capital ratio | 12.4439% | 4,158 |
| Total risk-based capital ratio | 13.7008% | 4,036 |
| Memoranda: | ||
| Average total assets | $75,169,000 | 4,449 |
| Average earning assets | $67,605,670 | 4,468 |
| Average equity | $7,259,670 | 4,687 |
| Average total loans | $55,189,000 | 4,142 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 1,933 |
| Cost of funding earning assets | 0.3932% | 4,514 |
| Net interest margin | 4.3957% | 917 |
| Noninterest income to average assets | 0.3052% | 3,838 |
| Noninterest expense to average assets | 3.2258% | 1,432 |
| Loan and lease loss provision to assets | 0.0105% | 3,296 |
| Net operating income to assets | 0.8262% | 3,524 |
| Return on assets (ROA) | 0.8262% | 3,566 |
| Pretax return on assets | 1.0104% | 3,409 |
| Return on Equity (ROE) | 8.7483% | 2,921 |
| Retained earnings to average equity (ytd only) | 4.0677% | 3,290 |
| Net charge-offs to loans | -0.0146% | 4,372 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9603% | 1,502 |
| Assets per employee ($millions) | 3.7916% | 4,207 |
| Cash dividends to net income (ytd only)* | 53.5032% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 624 |
| Loan loss allowance to noncurrent loans | 63.5791% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 373 |
| Noncurrent loans to loans | 2.9357% | 381 |
| Net loans and leases to total assets | 69.9573% | 2,492 |
| Net loans and leases to deposits | 78.4438% | 3,016 |
| Net loans and leases to core deposits | 81.9571% | 3,189 |
| Total domestic deposits to total assets | 89.1813% | 778 |
| Equity capital to assets | 9.5843% | 4,180 |
| Core capital (leverage) ratio | 8.8543% | 4,749 |
| Tier 1 risk-based capital ratio | 12.3630% | 4,257 |
| Total risk-based capital ratio | 13.6192% | 4,121 |
| Memoranda: | ||
| Average total assets | $76,012,500 | 4,485 |
| Average earning assets | $68,157,500 | 4,511 |
| Average equity | $7,178,500 | 4,730 |
| Average total loans | $54,698,000 | 4,197 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 1,366 |
| Cost of funding earning assets | 0.3574% | 4,234 |
| Net interest margin | 4.5124% | 742 |
| Noninterest income to average assets | 0.3447% | 3,807 |
| Noninterest expense to average assets | 3.3974% | 1,156 |
| Loan and lease loss provision to assets | -0.1015% | 5,271 |
| Net operating income to assets | 0.9474% | 3,244 |
| Return on assets (ROA) | 0.9031% | 3,420 |
| Pretax return on assets | 1.0621% | 3,406 |
| Return on Equity (ROE) | 9.8508% | 2,576 |
| Retained earnings to average equity (ytd only) | 4.9545% | 2,790 |
| Net charge-offs to loans | -0.1586% | 5,234 |
| Credit loss provision to net charge-offs | 89.4118% | 2,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0373% | 1,232 |
| Assets per employee ($millions) | 3.8097% | 4,172 |
| Cash dividends to net income (ytd only)* | 49.7041% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 661 |
| Loan loss allowance to noncurrent loans | 62.7341% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2955% | 364 |
| Noncurrent loans to loans | 2.8950% | 364 |
| Net loans and leases to total assets | 71.3084% | 2,379 |
| Net loans and leases to deposits | 79.7066% | 2,988 |
| Net loans and leases to core deposits | 84.1326% | 3,079 |
| Total domestic deposits to total assets | 89.4636% | 675 |
| Equity capital to assets | 9.3040% | 4,319 |
| Core capital (leverage) ratio | 8.7786% | 4,825 |
| Tier 1 risk-based capital ratio | 12.0410% | 4,402 |
| Total risk-based capital ratio | 13.2967% | 4,280 |
| Memoranda: | ||
| Average total assets | $74,852,400 | 4,515 |
| Average earning assets | $67,436,800 | 4,536 |
| Average equity | $6,862,400 | 4,768 |
| Average total loans | $53,579,400 | 4,233 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,395 |
| Cost of funding earning assets | 0.3355% | 4,274 |
| Net interest margin | 4.4768% | 781 |
| Noninterest income to average assets | 0.3382% | 3,894 |
| Noninterest expense to average assets | 3.4461% | 1,058 |
| Loan and lease loss provision to assets | -0.1360% | 5,371 |
| Net operating income to assets | 0.8581% | 3,704 |
| Return on assets (ROA) | 0.8016% | 3,898 |
| Pretax return on assets | 0.9930% | 3,737 |
| Return on Equity (ROE) | 8.7767% | 3,205 |
| Retained earnings to average equity (ytd only) | 3.8398% | 3,859 |
| Net charge-offs to loans | -0.2133% | 5,311 |
| Credit loss provision to net charge-offs | 89.4118% | 2,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8052% | 1,044 |
| Assets per employee ($millions) | 3.6810% | 4,331 |
| Cash dividends to net income (ytd only)* | 56.2496% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 698 |
| Loan loss allowance to noncurrent loans | 55.5863% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6556% | 311 |
| Noncurrent loans to loans | 3.2747% | 314 |
| Net loans and leases to total assets | 73.6304% | 2,055 |
| Net loans and leases to deposits | 82.7509% | 2,736 |
| Net loans and leases to core deposits | 88.6806% | 2,779 |
| Total domestic deposits to total assets | 88.9784% | 852 |
| Equity capital to assets | 9.3142% | 4,259 |
| Core capital (leverage) ratio | 8.8165% | 4,875 |
| Tier 1 risk-based capital ratio | 11.8918% | 4,559 |
| Total risk-based capital ratio | 13.1477% | 4,434 |
| Memoranda: | ||
| Average total assets | $74,517,250 | 4,568 |
| Average earning assets | $67,159,250 | 4,588 |
| Average equity | $6,805,750 | 4,823 |
| Average total loans | $53,140,000 | 4,288 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 1,454 |
| Cost of funding earning assets | 0.3032% | 4,390 |
| Net interest margin | 4.4172% | 819 |
| Noninterest income to average assets | 0.3154% | 4,065 |
| Noninterest expense to average assets | 3.3575% | 1,205 |
| Loan and lease loss provision to assets | 0.0267% | 3,382 |
| Net operating income to assets | 0.7132% | 4,159 |
| Return on assets (ROA) | 0.6309% | 4,412 |
| Pretax return on assets | 0.7993% | 4,246 |
| Return on Equity (ROE) | 6.9528% | 3,918 |
| Retained earnings to average equity (ytd only) | 2.0033% | 4,458 |
| Net charge-offs to loans | 0.0038% | 3,043 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 260 |
| Efficiency ratio | 78.3042% | 1,173 |
| Assets per employee ($millions) | 3.6447% | 4,409 |
| Cash dividends to net income (ytd only)* | 71.1864% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 698 |
| Loan loss allowance to noncurrent loans | 60.1796% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.4927% | 353 |
| Noncurrent loans to loans | 3.0600% | 366 |
| Net loans and leases to total assets | 73.4903% | 2,033 |
| Net loans and leases to deposits | 83.9484% | 2,542 |
| Net loans and leases to core deposits | 90.4196% | 2,536 |
| Total domestic deposits to total assets | 87.5422% | 1,622 |
| Equity capital to assets | 9.2929% | 4,285 |
| Core capital (leverage) ratio | 8.9033% | 4,785 |
| Tier 1 risk-based capital ratio | 11.8261% | 4,605 |
| Total risk-based capital ratio | 13.0827% | 4,482 |
| Memoranda: | ||
| Average total assets | $74,816,670 | 4,611 |
| Average earning assets | $67,283,000 | 4,636 |
| Average equity | $6,788,670 | 4,881 |
| Average total loans | $52,449,670 | 4,340 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,287 |
| Cost of funding earning assets | 0.2357% | 4,796 |
| Net interest margin | 4.4729% | 654 |
| Noninterest income to average assets | 0.3167% | 4,035 |
| Noninterest expense to average assets | 3.3044% | 1,337 |
| Loan and lease loss provision to assets | 0.0528% | 2,718 |
| Net operating income to assets | 0.8116% | 3,660 |
| Return on assets (ROA) | 0.6387% | 4,329 |
| Pretax return on assets | 0.7601% | 4,258 |
| Return on Equity (ROE) | 7.1218% | 3,739 |
| Retained earnings to average equity (ytd only) | 2.1778% | 4,296 |
| Net charge-offs to loans | -0.0156% | 4,436 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4347% | 1,534 |
| Assets per employee ($millions) | 3.7235% | 4,390 |
| Cash dividends to net income (ytd only)* | 69.4215% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 603 |
| Loan loss allowance to noncurrent loans | 47.2795% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 3.0603% | 259 |
| Noncurrent loans to loans | 4.1247% | 238 |
| Net loans and leases to total assets | 68.0556% | 2,763 |
| Net loans and leases to deposits | 75.8675% | 3,226 |
| Net loans and leases to core deposits | 81.0935% | 3,231 |
| Total domestic deposits to total assets | 89.7032% | 780 |
| Equity capital to assets | 9.1111% | 4,447 |
| Core capital (leverage) ratio | 8.7092% | 4,980 |
| Tier 1 risk-based capital ratio | 12.0840% | 4,506 |
| Total risk-based capital ratio | 13.3417% | 4,388 |
| Memoranda: | ||
| Average total assets | $75,778,000 | 4,645 |
| Average earning assets | $67,876,000 | 4,681 |
| Average equity | $6,796,000 | 4,932 |
| Average total loans | $51,387,000 | 4,412 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 895 |
| Cost of funding earning assets | 0.2518% | 4,543 |
| Net interest margin | 4.5967% | 507 |
| Noninterest income to average assets | 0.4330% | 3,415 |
| Noninterest expense to average assets | 3.4614% | 1,104 |
| Loan and lease loss provision to assets | 0.1443% | 1,578 |
| Net operating income to assets | 0.7280% | 3,480 |
| Return on assets (ROA) | 0.6949% | 3,675 |
| Pretax return on assets | 0.9302% | 3,811 |
| Return on Equity (ROE) | 7.6757% | 2,967 |
| Retained earnings to average equity (ytd only) | 2.7160% | 3,688 |
| Net charge-offs to loans | -0.0918% | 5,346 |
| Credit loss provision to net charge-offs | -216.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5763% | 1,685 |
| Assets per employee ($millions) | 4.0572% | 3,872 |
| Cash dividends to net income (ytd only)* | 64.6154% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 590 |
| Loan loss allowance to noncurrent loans | 62.2889% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 437 |
| Noncurrent loans to loans | 3.1301% | 346 |
| Net loans and leases to total assets | 64.9781% | 3,229 |
| Net loans and leases to deposits | 73.4314% | 3,562 |
| Net loans and leases to core deposits | 77.5120% | 3,627 |
| Total domestic deposits to total assets | 88.4882% | 1,257 |
| Equity capital to assets | 8.8304% | 4,867 |
| Core capital (leverage) ratio | 8.3000% | 5,284 |
| Tier 1 risk-based capital ratio | 12.1513% | 4,426 |
| Total risk-based capital ratio | 13.4092% | 4,321 |
| Memoranda: | ||
| Average total assets | $74,826,000 | 4,695 |
| Average earning assets | $67,504,600 | 4,715 |
| Average equity | $6,774,600 | 4,981 |
| Average total loans | $54,488,200 | 4,348 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 734 |
| Cost of funding earning assets | 0.2507% | 4,561 |
| Net interest margin | 4.6662% | 433 |
| Noninterest income to average assets | 0.3555% | 3,993 |
| Noninterest expense to average assets | 3.2838% | 1,384 |
| Loan and lease loss provision to assets | 0.1580% | 1,309 |
| Net operating income to assets | 0.7631% | 3,678 |
| Return on assets (ROA) | 0.7631% | 3,739 |
| Pretax return on assets | 1.1239% | 3,215 |
| Return on Equity (ROE) | 8.3743% | 2,943 |
| Retained earnings to average equity (ytd only) | 3.4089% | 3,895 |
| Net charge-offs to loans | -0.0410% | 5,101 |
| Credit loss provision to net charge-offs | -517.6471% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9229% | 2,216 |
| Assets per employee ($millions) | 4.0001% | 3,990 |
| Cash dividends to net income (ytd only)* | 59.2941% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 986 |
| Loan loss allowance to noncurrent loans | 62.9753% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.1802% | 562 |
| Noncurrent loans to loans | 2.7361% | 517 |
| Net loans and leases to total assets | 70.8429% | 2,434 |
| Net loans and leases to deposits | 80.3144% | 2,941 |
| Net loans and leases to core deposits | 84.8493% | 3,058 |
| Total domestic deposits to total assets | 88.2069% | 1,255 |
| Equity capital to assets | 9.0603% | 4,861 |
| Core capital (leverage) ratio | 8.4378% | 5,285 |
| Tier 1 risk-based capital ratio | 12.0032% | 4,614 |
| Total risk-based capital ratio | 13.2583% | 4,500 |
| Memoranda: | ||
| Average total assets | $74,261,000 | 4,754 |
| Average earning assets | $67,005,500 | 4,773 |
| Average equity | $6,766,500 | 5,039 |
| Average total loans | $55,339,000 | 4,350 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 677 |
| Cost of funding earning assets | 0.2519% | 4,524 |
| Net interest margin | 4.6593% | 429 |
| Noninterest income to average assets | 0.3637% | 3,955 |
| Noninterest expense to average assets | 3.3252% | 1,325 |
| Loan and lease loss provision to assets | 0.1574% | 1,270 |
| Net operating income to assets | 0.7166% | 3,765 |
| Return on assets (ROA) | 0.7166% | 3,834 |
| Pretax return on assets | 1.0993% | 3,181 |
| Return on Equity (ROE) | 7.8494% | 3,124 |
| Retained earnings to average equity (ytd only) | 2.8543% | 4,012 |
| Net charge-offs to loans | -0.0684% | 5,291 |
| Credit loss provision to net charge-offs | -305.2632% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5711% | 2,252 |
| Assets per employee ($millions) | 4.0602% | 3,860 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 1,270 |
| Loan loss allowance to noncurrent loans | 33.3942% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.9213% | 179 |
| Noncurrent loans to loans | 4.7732% | 168 |
| Net loans and leases to total assets | 73.2263% | 2,001 |
| Net loans and leases to deposits | 86.2625% | 2,185 |
| Net loans and leases to core deposits | 91.5439% | 2,371 |
| Total domestic deposits to total assets | 84.8878% | 2,853 |
| Equity capital to assets | 8.8265% | 5,048 |
| Core capital (leverage) ratio | 8.5298% | 5,193 |
| Tier 1 risk-based capital ratio | 11.6084% | 4,891 |
| Total risk-based capital ratio | 12.8636% | 4,771 |
| Memoranda: | ||
| Average total assets | $73,680,670 | 4,791 |
| Average earning assets | $66,706,000 | 4,809 |
| Average equity | $6,726,670 | 5,071 |
| Average total loans | $55,523,330 | 4,372 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 501 |
| Cost of funding earning assets | 0.1898% | 5,067 |
| Net interest margin | 4.8377% | 296 |
| Noninterest income to average assets | 0.3224% | 4,242 |
| Noninterest expense to average assets | 3.3857% | 1,228 |
| Loan and lease loss provision to assets | 0.1557% | 1,167 |
| Net operating income to assets | 0.8228% | 3,109 |
| Return on assets (ROA) | 0.8228% | 3,168 |
| Pretax return on assets | 1.1730% | 2,697 |
| Return on Equity (ROE) | 8.8550% | 2,485 |
| Retained earnings to average equity (ytd only) | 3.8292% | 3,544 |
| Net charge-offs to loans | -0.0147% | 4,583 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8160% | 2,610 |
| Assets per employee ($millions) | 3.8236% | 4,310 |
| Cash dividends to net income (ytd only)* | 56.7568% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 1,321 |
| Loan loss allowance to noncurrent loans | 36.6554% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.7358% | 217 |
| Noncurrent loans to loans | 4.4314% | 215 |
| Net loans and leases to total assets | 72.3603% | 2,023 |
| Net loans and leases to deposits | 82.3294% | 2,463 |
| Net loans and leases to core deposits | 87.4896% | 2,589 |
| Total domestic deposits to total assets | 87.8911% | 1,774 |
| Equity capital to assets | 9.2582% | 4,558 |
| Core capital (leverage) ratio | 8.6911% | 5,057 |
| Tier 1 risk-based capital ratio | 12.3870% | 4,456 |
| Total risk-based capital ratio | 13.6415% | 4,363 |
| Memoranda: | ||
| Average total assets | $71,949,500 | 4,870 |
| Average earning assets | $65,320,500 | 4,892 |
| Average equity | $6,685,500 | 5,124 |
| Average total loans | $54,583,000 | 4,438 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 578 |
| Cost of funding earning assets | 0.2231% | 4,802 |
| Net interest margin | 4.7888% | 358 |
| Noninterest income to average assets | 0.2868% | 4,691 |
| Noninterest expense to average assets | 3.4627% | 1,227 |
| Loan and lease loss provision to assets | 0.3427% | 504 |
| Net operating income to assets | 0.5694% | 4,351 |
| Return on assets (ROA) | 0.5807% | 4,400 |
| Pretax return on assets | 0.8058% | 4,170 |
| Return on Equity (ROE) | 6.0218% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.0259% | 4,916 |
| Net charge-offs to loans | 0.2281% | 1,219 |
| Credit loss provision to net charge-offs | 192.7419% | 1,470 |
| Earnings coverage of net charge-offs (x) | 6.3710% | 3,186 |
| Efficiency ratio | 75.3510% | 2,083 |
| Assets per employee ($millions) | 3.7500% | 4,395 |
| Cash dividends to net income (ytd only)* | 82.9630% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,650 |
| Loan loss allowance to noncurrent loans | 56.3172% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.5782% | 454 |
| Noncurrent loans to loans | 2.6701% | 566 |
| Net loans and leases to total assets | 77.0400% | 1,359 |
| Net loans and leases to deposits | 89.2871% | 1,766 |
| Net loans and leases to core deposits | 94.7835% | 2,033 |
| Total domestic deposits to total assets | 86.2835% | 2,465 |
| Equity capital to assets | 9.3263% | 4,446 |
| Core capital (leverage) ratio | 8.8529% | 4,907 |
| Tier 1 risk-based capital ratio | 11.9198% | 4,783 |
| Total risk-based capital ratio | 13.1741% | 4,661 |
| Memoranda: | ||
| Average total assets | $69,742,400 | 4,943 |
| Average earning assets | $62,751,200 | 4,966 |
| Average equity | $6,725,600 | 5,148 |
| Average total loans | $54,357,600 | 4,446 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 631 |
| Cost of funding earning assets | 0.2054% | 5,011 |
| Net interest margin | 4.7706% | 382 |
| Noninterest income to average assets | 0.3095% | 4,558 |
| Noninterest expense to average assets | 3.4003% | 1,340 |
| Loan and lease loss provision to assets | 0.4133% | 343 |
| Net operating income to assets | 0.5614% | 4,451 |
| Return on assets (ROA) | 0.5766% | 4,498 |
| Pretax return on assets | 0.8035% | 4,297 |
| Return on Equity (ROE) | 5.9295% | 4,099 |
| Retained earnings to average equity (ytd only) | 2.6091% | 4,351 |
| Net charge-offs to loans | 0.3135% | 737 |
| Credit loss provision to net charge-offs | 169.2913% | 1,639 |
| Earnings coverage of net charge-offs (x) | 4.8976% | 3,201 |
| Efficiency ratio | 73.9858% | 2,290 |
| Assets per employee ($millions) | 3.9326% | 4,077 |
| Cash dividends to net income (ytd only)* | 55.9989% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 2,236 |
| Loan loss allowance to noncurrent loans | 53.8105% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.6004% | 514 |
| Noncurrent loans to loans | 2.5862% | 661 |
| Net loans and leases to total assets | 77.0045% | 1,360 |
| Net loans and leases to deposits | 95.9526% | 1,053 |
| Net loans and leases to core deposits | 100.9456% | 1,553 |
| Total domestic deposits to total assets | 80.2527% | 4,453 |
| Equity capital to assets | 9.1463% | 5,030 |
| Core capital (leverage) ratio | 8.6250% | 5,236 |
| Tier 1 risk-based capital ratio | 11.5621% | 5,049 |
| Total risk-based capital ratio | 12.8148% | 4,962 |
| Memoranda: | ||
| Average total assets | $69,365,500 | 4,989 |
| Average earning assets | $62,325,000 | 5,016 |
| Average equity | $6,745,750 | 5,193 |
| Average total loans | $54,014,750 | 4,493 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 595 |
| Cost of funding earning assets | 0.2010% | 5,127 |
| Net interest margin | 4.7984% | 370 |
| Noninterest income to average assets | 0.3078% | 4,581 |
| Noninterest expense to average assets | 3.3678% | 1,439 |
| Loan and lease loss provision to assets | 0.5623% | 211 |
| Net operating income to assets | 0.5001% | 4,679 |
| Return on assets (ROA) | 0.5238% | 4,715 |
| Pretax return on assets | 0.7191% | 4,563 |
| Return on Equity (ROE) | 5.2707% | 4,399 |
| Retained earnings to average equity (ytd only) | 0.2680% | 5,220 |
| Net charge-offs to loans | 0.2511% | 944 |
| Credit loss provision to net charge-offs | 287.8788% | 994 |
| Earnings coverage of net charge-offs (x) | 6.3939% | 2,747 |
| Efficiency ratio | 72.9487% | 2,529 |
| Assets per employee ($millions) | 3.9781% | 3,956 |
| Cash dividends to net income (ytd only)* | 94.9153% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,796 |
| Loan loss allowance to noncurrent loans | 56.9892% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.7428% | 471 |
| Noncurrent loans to loans | 2.6612% | 625 |
| Net loans and leases to total assets | 76.9038% | 1,353 |
| Net loans and leases to deposits | 95.9523% | 1,084 |
| Net loans and leases to core deposits | 101.3640% | 1,524 |
| Total domestic deposits to total assets | 80.1480% | 4,505 |
| Equity capital to assets | 9.3946% | 4,872 |
| Core capital (leverage) ratio | 8.7634% | 5,097 |
| Tier 1 risk-based capital ratio | 12.1396% | 4,747 |
| Total risk-based capital ratio | 13.3936% | 4,654 |
| Memoranda: | ||
| Average total assets | $67,581,000 | 5,077 |
| Average earning assets | $60,687,330 | 5,093 |
| Average equity | $6,716,330 | 5,242 |
| Average total loans | $52,570,000 | 4,570 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 571 |
| Cost of funding earning assets | 0.1979% | 5,224 |
| Net interest margin | 4.8100% | 353 |
| Noninterest income to average assets | 0.2867% | 4,673 |
| Noninterest expense to average assets | 3.5139% | 1,157 |
| Loan and lease loss provision to assets | 0.1220% | 1,733 |
| Net operating income to assets | 0.6710% | 3,875 |
| Return on assets (ROA) | 0.6710% | 3,992 |
| Pretax return on assets | 0.9517% | 3,654 |
| Return on Equity (ROE) | 6.5564% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.5564% | 2,104 |
| Net charge-offs to loans | 0.1100% | 1,468 |
| Credit loss provision to net charge-offs | 142.8571% | 1,304 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 1,782 |
| Efficiency ratio | 76.5957% | 2,095 |
| Assets per employee ($millions) | 3.9981% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,418 |
| Loan loss allowance to noncurrent loans | 51.5173% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.6145% | 550 |
| Noncurrent loans to loans | 2.7190% | 647 |
| Net loans and leases to total assets | 75.6003% | 1,451 |
| Net loans and leases to deposits | 88.0904% | 1,815 |
| Net loans and leases to core deposits | 92.9607% | 2,091 |
| Total domestic deposits to total assets | 85.8213% | 2,754 |
| Equity capital to assets | 9.9871% | 4,095 |
| Core capital (leverage) ratio | 9.4712% | 4,246 |
| Tier 1 risk-based capital ratio | 11.7218% | 5,099 |
| Total risk-based capital ratio | 12.9718% | 5,001 |
| Memoranda: | ||
| Average total assets | $65,569,000 | 5,165 |
| Average earning assets | $58,628,000 | 5,195 |
| Average equity | $6,711,000 | 5,283 |
| Average total loans | $50,897,500 | 4,649 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 481 |
| Cost of funding earning assets | 0.1611% | 5,602 |
| Net interest margin | 4.9777% | 261 |
| Noninterest income to average assets | 0.5319% | 3,131 |
| Noninterest expense to average assets | 3.8438% | 816 |
| Loan and lease loss provision to assets | 0.1442% | 1,643 |
| Net operating income to assets | 0.6587% | 4,001 |
| Return on assets (ROA) | 0.6633% | 4,072 |
| Pretax return on assets | 0.9069% | 3,812 |
| Return on Equity (ROE) | 6.2170% | 3,944 |
| Retained earnings to average equity (ytd only) | 1.0962% | 5,080 |
| Net charge-offs to loans | 0.3334% | 891 |
| Credit loss provision to net charge-offs | 56.9620% | 3,295 |
| Earnings coverage of net charge-offs (x) | 4.1266% | 3,607 |
| Efficiency ratio | 78.6300% | 1,868 |
| Assets per employee ($millions) | 3.9481% | 4,032 |
| Cash dividends to net income (ytd only)* | 82.3671% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 2,189 |
| Loan loss allowance to noncurrent loans | 43.7727% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.2072% | 396 |
| Noncurrent loans to loans | 3.3292% | 442 |
| Net loans and leases to total assets | 77.5004% | 1,190 |
| Net loans and leases to deposits | 90.0309% | 1,612 |
| Net loans and leases to core deposits | 93.9241% | 2,053 |
| Total domestic deposits to total assets | 86.0820% | 2,600 |
| Equity capital to assets | 10.5018% | 3,359 |
| Core capital (leverage) ratio | 9.9429% | 3,588 |
| Tier 1 risk-based capital ratio | 12.8283% | 4,436 |
| Total risk-based capital ratio | 14.0809% | 4,333 |
| Memoranda: | ||
| Average total assets | $62,412,200 | 5,263 |
| Average earning assets | $54,623,800 | 5,329 |
| Average equity | $6,659,200 | 5,309 |
| Average total loans | $47,391,000 | 4,746 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 342 |
| Cost of funding earning assets | 0.1495% | 5,783 |
| Net interest margin | 5.2098% | 182 |
| Noninterest income to average assets | 0.5957% | 2,767 |
| Noninterest expense to average assets | 3.9234% | 724 |
| Loan and lease loss provision to assets | 0.0857% | 2,449 |
| Net operating income to assets | 0.9187% | 2,871 |
| Return on assets (ROA) | 0.9257% | 2,914 |
| Pretax return on assets | 1.1485% | 3,024 |
| Return on Equity (ROE) | 8.6414% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.1406% | 3,521 |
| Net charge-offs to loans | 0.0228% | 3,483 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 71.4761% | 802 |
| Efficiency ratio | 76.1964% | 2,215 |
| Assets per employee ($millions) | 3.7932% | 4,276 |
| Cash dividends to net income (ytd only)* | 52.0825% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 1,770 |
| Loan loss allowance to noncurrent loans | 46.4225% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.9805% | 512 |
| Noncurrent loans to loans | 3.4616% | 455 |
| Net loans and leases to total assets | 78.2399% | 1,064 |
| Net loans and leases to deposits | 95.1584% | 1,080 |
| Net loans and leases to core deposits | 97.2700% | 1,763 |
| Total domestic deposits to total assets | 82.2207% | 4,094 |
| Equity capital to assets | 10.5358% | 3,568 |
| Core capital (leverage) ratio | 10.2277% | 3,335 |
| Tier 1 risk-based capital ratio | 12.2742% | 4,906 |
| Total risk-based capital ratio | 13.5271% | 4,800 |
| Memoranda: | ||
| Average total assets | $62,222,750 | 5,333 |
| Average earning assets | $54,383,500 | 5,401 |
| Average equity | $6,665,500 | 5,377 |
| Average total loans | $46,818,500 | 4,813 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 269 |
| Cost of funding earning assets | 0.1313% | 5,977 |
| Net interest margin | 5.3672% | 150 |
| Noninterest income to average assets | 0.6995% | 2,216 |
| Noninterest expense to average assets | 4.1810% | 558 |
| Loan and lease loss provision to assets | 0.0813% | 2,480 |
| Net operating income to assets | 0.9100% | 2,819 |
| Return on assets (ROA) | 0.9208% | 2,906 |
| Pretax return on assets | 1.1063% | 3,146 |
| Return on Equity (ROE) | 8.5464% | 2,776 |
| Retained earnings to average equity (ytd only) | 4.0165% | 3,457 |
| Net charge-offs to loans | 0.0309% | 3,044 |
| Credit loss provision to net charge-offs | 357.1429% | 817 |
| Earnings coverage of net charge-offs (x) | 51.5714% | 938 |
| Efficiency ratio | 78.0680% | 2,061 |
| Assets per employee ($millions) | 4.1911% | 3,487 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 1,648 |
| Loan loss allowance to noncurrent loans | 47.8441% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.9268% | 578 |
| Noncurrent loans to loans | 3.5165% | 496 |
| Net loans and leases to total assets | 75.2939% | 1,467 |
| Net loans and leases to deposits | 97.8764% | 805 |
| Net loans and leases to core deposits | 97.8764% | 1,663 |
| Total domestic deposits to total assets | 76.9275% | 5,462 |
| Equity capital to assets | 10.6320% | 3,287 |
| Core capital (leverage) ratio | 10.2946% | 3,217 |
| Tier 1 risk-based capital ratio | 12.9126% | 4,568 |
| Total risk-based capital ratio | 14.1667% | 4,484 |
| Memoranda: | ||
| Average total assets | $61,468,670 | 5,410 |
| Average earning assets | $53,323,670 | 5,480 |
| Average equity | $6,622,670 | 5,428 |
| Average total loans | $45,332,330 | 4,909 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 238 |
| Cost of funding earning assets | 0.1368% | 6,021 |
| Net interest margin | 5.4174% | 132 |
| Noninterest income to average assets | 0.9873% | 1,143 |
| Noninterest expense to average assets | 4.6602% | 384 |
| Loan and lease loss provision to assets | 0.0658% | 2,620 |
| Net operating income to assets | 0.7518% | 3,528 |
| Return on assets (ROA) | 0.7570% | 3,635 |
| Pretax return on assets | 0.9610% | 3,643 |
| Return on Equity (ROE) | 6.9782% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.4272% | 4,481 |
| Net charge-offs to loans | 0.0911% | 1,808 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,621 |
| Efficiency ratio | 82.0394% | 1,611 |
| Assets per employee ($millions) | 3.2961% | 5,251 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 1,599 |
| Loan loss allowance to noncurrent loans | 57.2668% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5434% | 841 |
| Noncurrent loans to loans | 3.0667% | 687 |
| Net loans and leases to total assets | 74.6768% | 1,405 |
| Net loans and leases to deposits | 84.5870% | 1,996 |
| Net loans and leases to core deposits | 84.5870% | 2,704 |
| Total domestic deposits to total assets | 88.2840% | 1,670 |
| Equity capital to assets | 11.1851% | 2,771 |
| Core capital (leverage) ratio | 9.8026% | 3,888 |
| Tier 1 risk-based capital ratio | 13.4984% | 4,320 |
| Total risk-based capital ratio | 14.7531% | 4,237 |
| Memoranda: | ||
| Average total assets | $60,769,500 | 5,486 |
| Average earning assets | $52,645,500 | 5,540 |
| Average equity | $6,592,000 | 5,485 |
| Average total loans | $43,926,000 | 4,987 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 904 |
| Cost of funding earning assets | 0.1732% | 5,957 |
| Net interest margin | 4.7404% | 489 |
| Noninterest income to average assets | 0.5026% | 3,482 |
| Noninterest expense to average assets | 3.8489% | 917 |
| Loan and lease loss provision to assets | 0.0803% | 2,877 |
| Net operating income to assets | 0.5550% | 4,581 |
| Return on assets (ROA) | 0.5604% | 4,649 |
| Pretax return on assets | 0.6664% | 4,737 |
| Return on Equity (ROE) | 5.3492% | 4,487 |
| Retained earnings to average equity (ytd only) | -3.8471% | 6,128 |
| Net charge-offs to loans | 0.3280% | 1,343 |
| Credit loss provision to net charge-offs | 37.3134% | 3,726 |
| Earnings coverage of net charge-offs (x) | 3.4403% | 3,890 |
| Efficiency ratio | 83.8698% | 1,423 |
| Assets per employee ($millions) | 2.8277% | 5,902 |
| Cash dividends to net income (ytd only)* | 171.9198% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 1,418 |
| Loan loss allowance to noncurrent loans | 51.2953% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.6845% | 830 |
| Noncurrent loans to loans | 3.6113% | 554 |
| Net loans and leases to total assets | 67.4538% | 2,654 |
| Net loans and leases to deposits | 75.6867% | 3,235 |
| Net loans and leases to core deposits | 75.6867% | 3,742 |
| Total domestic deposits to total assets | 89.1223% | 1,161 |
| Equity capital to assets | 10.5272% | 3,442 |
| Core capital (leverage) ratio | 9.2089% | 4,667 |
| Tier 1 risk-based capital ratio | 13.5451% | 4,387 |
| Total risk-based capital ratio | 14.8018% | 4,317 |
| Memoranda: | ||
| Average total assets | $62,277,800 | 5,494 |
| Average earning assets | $53,687,400 | 5,575 |
| Average equity | $6,524,400 | 5,516 |
| Average total loans | $40,851,600 | 5,149 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 1,076 |
| Cost of funding earning assets | 0.1537% | 6,165 |
| Net interest margin | 4.6635% | 541 |
| Noninterest income to average assets | 0.5715% | 3,057 |
| Noninterest expense to average assets | 3.7627% | 1,019 |
| Loan and lease loss provision to assets | 0.0856% | 2,644 |
| Net operating income to assets | 0.6560% | 4,187 |
| Return on assets (ROA) | 0.6635% | 4,240 |
| Pretax return on assets | 0.7577% | 4,511 |
| Return on Equity (ROE) | 6.3410% | 4,063 |
| Retained earnings to average equity (ytd only) | -4.3978% | 6,231 |
| Net charge-offs to loans | 0.1783% | 2,023 |
| Credit loss provision to net charge-offs | 74.0741% | 2,690 |
| Earnings coverage of net charge-offs (x) | 7.2221% | 2,956 |
| Efficiency ratio | 81.8436% | 1,642 |
| Assets per employee ($millions) | 2.8868% | 5,865 |
| Cash dividends to net income (ytd only)* | 169.3555% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 1,341 |
| Loan loss allowance to noncurrent loans | 48.1564% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 3.0169% | 779 |
| Noncurrent loans to loans | 4.0579% | 513 |
| Net loans and leases to total assets | 68.1006% | 2,522 |
| Net loans and leases to deposits | 79.0012% | 2,839 |
| Net loans and leases to core deposits | 79.0012% | 3,437 |
| Total domestic deposits to total assets | 86.2020% | 2,755 |
| Equity capital to assets | 10.2978% | 3,791 |
| Core capital (leverage) ratio | 9.6055% | 4,236 |
| Tier 1 risk-based capital ratio | 12.8825% | 4,927 |
| Total risk-based capital ratio | 14.1392% | 4,842 |
| Memoranda: | ||
| Average total assets | $62,294,750 | 5,554 |
| Average earning assets | $53,778,000 | 5,640 |
| Average equity | $6,518,250 | 5,570 |
| Average total loans | $40,375,750 | 5,223 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,392 |
| Cost of funding earning assets | 0.1561% | 6,232 |
| Net interest margin | 4.4967% | 712 |
| Noninterest income to average assets | 0.5009% | 3,477 |
| Noninterest expense to average assets | 3.6484% | 1,211 |
| Loan and lease loss provision to assets | 0.0808% | 2,684 |
| Net operating income to assets | 0.6026% | 4,345 |
| Return on assets (ROA) | 0.6851% | 4,017 |
| Pretax return on assets | 0.7756% | 4,362 |
| Return on Equity (ROE) | 6.5121% | 3,875 |
| Retained earnings to average equity (ytd only) | -7.3107% | 6,349 |
| Net charge-offs to loans | 0.1482% | 2,201 |
| Credit loss provision to net charge-offs | 86.2069% | 2,240 |
| Earnings coverage of net charge-offs (x) | 8.1379% | 2,531 |
| Efficiency ratio | 82.7106% | 1,668 |
| Assets per employee ($millions) | 2.7960% | 6,031 |
| Cash dividends to net income (ytd only)* | 212.2642% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,149 |
| Loan loss allowance to noncurrent loans | 52.4038% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.9100% | 887 |
| Noncurrent loans to loans | 4.0380% | 584 |
| Net loans and leases to total assets | 65.5748% | 2,823 |
| Net loans and leases to deposits | 76.4118% | 3,000 |
| Net loans and leases to core deposits | 76.4118% | 3,585 |
| Total domestic deposits to total assets | 85.8176% | 3,140 |
| Equity capital to assets | 10.5685% | 3,357 |
| Core capital (leverage) ratio | 9.8942% | 3,752 |
| Tier 1 risk-based capital ratio | 13.5131% | 4,567 |
| Total risk-based capital ratio | 14.7718% | 4,507 |
| Memoranda: | ||
| Average total assets | $61,890,000 | 5,616 |
| Average earning assets | $53,817,670 | 5,691 |
| Average equity | $6,511,000 | 5,598 |
| Average total loans | $39,130,330 | 5,311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,264 |
| Cost of funding earning assets | 0.1974% | 6,024 |
| Net interest margin | 4.4965% | 663 |
| Noninterest income to average assets | 0.4446% | 3,829 |
| Noninterest expense to average assets | 3.5310% | 1,429 |
| Loan and lease loss provision to assets | 0.0967% | 2,315 |
| Net operating income to assets | 0.6754% | 3,816 |
| Return on assets (ROA) | 0.7539% | 3,480 |
| Pretax return on assets | 0.8699% | 3,828 |
| Return on Equity (ROE) | 7.1823% | 3,365 |
| Retained earnings to average equity (ytd only) | -6.6298% | 6,218 |
| Net charge-offs to loans | 0.5146% | 718 |
| Credit loss provision to net charge-offs | 30.6122% | 2,389 |
| Earnings coverage of net charge-offs (x) | 2.7755% | 2,801 |
| Efficiency ratio | 80.1170% | 2,191 |
| Assets per employee ($millions) | 2.7349% | 6,167 |
| Cash dividends to net income (ytd only)* | 192.3077% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 1,176 |
| Loan loss allowance to noncurrent loans | 47.9499% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.9919% | 957 |
| Noncurrent loans to loans | 4.5673% | 517 |
| Net loans and leases to total assets | 59.7825% | 3,598 |
| Net loans and leases to deposits | 71.6299% | 3,389 |
| Net loans and leases to core deposits | 71.6299% | 3,910 |
| Total domestic deposits to total assets | 83.4602% | 4,460 |
| Equity capital to assets | 10.3715% | 3,367 |
| Core capital (leverage) ratio | 9.8726% | 3,757 |
| Tier 1 risk-based capital ratio | 14.2736% | 4,150 |
| Total risk-based capital ratio | 15.5312% | 4,092 |
| Memoranda: | ||
| Average total assets | $62,078,500 | 5,661 |
| Average earning assets | $54,709,500 | 5,715 |
| Average equity | $6,516,000 | 5,634 |
| Average total loans | $38,091,000 | 5,390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 538 |
| Cost of funding earning assets | 0.1778% | 6,404 |
| Net interest margin | 5.1154% | 248 |
| Noninterest income to average assets | 0.5436% | 3,446 |
| Noninterest expense to average assets | 3.9792% | 893 |
| Loan and lease loss provision to assets | 0.2902% | 1,174 |
| Net operating income to assets | 0.6538% | 4,011 |
| Return on assets (ROA) | 0.7270% | 3,759 |
| Pretax return on assets | 0.8051% | 4,126 |
| Return on Equity (ROE) | 6.9217% | 3,597 |
| Retained earnings to average equity (ytd only) | 3.2787% | 3,897 |
| Net charge-offs to loans | 1.0019% | 581 |
| Credit loss provision to net charge-offs | 46.4286% | 3,903 |
| Earnings coverage of net charge-offs (x) | 1.6224% | 4,516 |
| Efficiency ratio | 79.6935% | 2,205 |
| Assets per employee ($millions) | 2.5523% | 6,363 |
| Cash dividends to net income (ytd only)* | 52.6316% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3215% | 1,020 |
| Loan loss allowance to noncurrent loans | 39.4062% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 3.8349% | 711 |
| Noncurrent loans to loans | 5.8911% | 358 |
| Net loans and leases to total assets | 60.1740% | 3,680 |
| Net loans and leases to deposits | 68.7642% | 3,945 |
| Net loans and leases to core deposits | 68.7642% | 4,428 |
| Total domestic deposits to total assets | 87.5078% | 2,469 |
| Equity capital to assets | 10.6246% | 3,010 |
| Core capital (leverage) ratio | 9.6847% | 4,009 |
| Tier 1 risk-based capital ratio | 14.8235% | 3,765 |
| Total risk-based capital ratio | 16.0841% | 3,711 |
| Memoranda: | ||
| Average total assets | $62,725,800 | 5,685 |
| Average earning assets | $54,561,000 | 5,744 |
| Average equity | $6,588,000 | 5,674 |
| Average total loans | $39,126,000 | 5,387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 658 |
| Cost of funding earning assets | 0.1803% | 6,501 |
| Net interest margin | 5.0108% | 310 |
| Noninterest income to average assets | 0.5854% | 3,245 |
| Noninterest expense to average assets | 3.9728% | 882 |
| Loan and lease loss provision to assets | 0.0951% | 3,172 |
| Net operating income to assets | 0.7841% | 3,429 |
| Return on assets (ROA) | 0.8706% | 3,098 |
| Pretax return on assets | 0.9573% | 3,659 |
| Return on Equity (ROE) | 8.3130% | 2,967 |
| Retained earnings to average equity (ytd only) | 4.9838% | 3,099 |
| Net charge-offs to loans | 1.1856% | 459 |
| Credit loss provision to net charge-offs | 12.8205% | 4,185 |
| Earnings coverage of net charge-offs (x) | 1.2906% | 4,404 |
| Efficiency ratio | 80.5829% | 2,021 |
| Assets per employee ($millions) | 2.5717% | 6,407 |
| Cash dividends to net income (ytd only)* | 40.0477% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 1,909 |
| Loan loss allowance to noncurrent loans | 51.1811% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 2.6815% | 1,409 |
| Noncurrent loans to loans | 3.7741% | 973 |
| Net loans and leases to total assets | 61.5946% | 3,442 |
| Net loans and leases to deposits | 71.4471% | 3,580 |
| Net loans and leases to core deposits | 71.4471% | 4,159 |
| Total domestic deposits to total assets | 86.2100% | 3,131 |
| Equity capital to assets | 10.2468% | 3,582 |
| Core capital (leverage) ratio | 9.8333% | 3,911 |
| Tier 1 risk-based capital ratio | 14.0295% | 4,404 |
| Total risk-based capital ratio | 15.2788% | 4,362 |
| Memoranda: | ||
| Average total assets | $63,093,750 | 5,737 |
| Average earning assets | $54,706,750 | 5,807 |
| Average equity | $6,608,000 | 5,740 |
| Average total loans | $39,473,750 | 5,419 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 631 |
| Cost of funding earning assets | 0.1794% | 6,573 |
| Net interest margin | 5.0279% | 301 |
| Noninterest income to average assets | 0.5264% | 3,653 |
| Noninterest expense to average assets | 4.0131% | 850 |
| Loan and lease loss provision to assets | 0.0957% | 3,195 |
| Net operating income to assets | 0.7144% | 3,741 |
| Return on assets (ROA) | 0.8422% | 3,241 |
| Pretax return on assets | 0.9411% | 3,743 |
| Return on Equity (ROE) | 7.9823% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.2610% | 2,883 |
| Net charge-offs to loans | 1.5624% | 327 |
| Credit loss provision to net charge-offs | 9.8039% | 3,904 |
| Earnings coverage of net charge-offs (x) | 0.9150% | 4,221 |
| Efficiency ratio | 81.7945% | 1,911 |
| Assets per employee ($millions) | 2.5547% | 6,445 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0124% | 1,819 |
| Loan loss allowance to noncurrent loans | 34.8537% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 4.1166% | 834 |
| Noncurrent loans to loans | 5.7739% | 518 |
| Net loans and leases to total assets | 64.3267% | 2,866 |
| Net loans and leases to deposits | 74.7819% | 3,042 |
| Net loans and leases to core deposits | 74.7819% | 3,692 |
| Total domestic deposits to total assets | 86.0191% | 3,355 |
| Equity capital to assets | 10.6945% | 3,064 |
| Core capital (leverage) ratio | 10.0908% | 3,387 |
| Tier 1 risk-based capital ratio | 14.1275% | 4,340 |
| Total risk-based capital ratio | 15.3971% | 4,283 |
| Memoranda: | ||
| Average total assets | $62,694,000 | 5,785 |
| Average earning assets | $54,615,000 | 5,838 |
| Average equity | $6,614,670 | 5,776 |
| Average total loans | $39,171,330 | 5,461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 728 |
| Cost of funding earning assets | 0.1885% | 6,629 |
| Net interest margin | 4.9236% | 322 |
| Noninterest income to average assets | 0.4985% | 3,778 |
| Noninterest expense to average assets | 3.8179% | 1,086 |
| Loan and lease loss provision to assets | 0.0947% | 3,083 |
| Net operating income to assets | 0.7539% | 3,415 |
| Return on assets (ROA) | 0.8582% | 2,999 |
| Pretax return on assets | 0.9908% | 3,394 |
| Return on Equity (ROE) | 8.1885% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.4790% | 2,964 |
| Net charge-offs to loans | 0.4659% | 1,283 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 2,776 |
| Efficiency ratio | 79.8153% | 2,361 |
| Assets per employee ($millions) | 2.6976% | 6,405 |
| Cash dividends to net income (ytd only)* | 33.0882% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7278% | 882 |
| Loan loss allowance to noncurrent loans | 40.7093% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 4.6128% | 812 |
| Noncurrent loans to loans | 6.7006% | 465 |
| Net loans and leases to total assets | 60.6930% | 3,309 |
| Net loans and leases to deposits | 70.2124% | 3,443 |
| Net loans and leases to core deposits | 70.2124% | 4,051 |
| Total domestic deposits to total assets | 86.4421% | 3,279 |
| Equity capital to assets | 10.7696% | 3,235 |
| Core capital (leverage) ratio | 9.5810% | 3,956 |
| Tier 1 risk-based capital ratio | 14.1924% | 4,371 |
| Total risk-based capital ratio | 15.4539% | 4,325 |
| Memoranda: | ||
| Average total assets | $63,385,000 | 5,825 |
| Average earning assets | $55,162,500 | 5,871 |
| Average equity | $6,643,500 | 5,832 |
| Average total loans | $38,632,000 | 5,523 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3867% | 779 |
| Cost of funding earning assets | 0.3657% | 6,127 |
| Net interest margin | 5.0210% | 381 |
| Noninterest income to average assets | 0.4751% | 4,063 |
| Noninterest expense to average assets | 4.0318% | 945 |
| Loan and lease loss provision to assets | 0.6479% | 827 |
| Net operating income to assets | 0.2413% | 5,661 |
| Return on assets (ROA) | 0.8087% | 3,497 |
| Pretax return on assets | 0.7804% | 4,364 |
| Return on Equity (ROE) | 8.6149% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.6322% | 2,294 |
| Net charge-offs to loans | 1.2608% | 781 |
| Credit loss provision to net charge-offs | 78.6618% | 3,870 |
| Earnings coverage of net charge-offs (x) | 1.0452% | 4,946 |
| Efficiency ratio | 82.4049% | 1,818 |
| Assets per employee ($millions) | 2.4894% | 6,623 |
| Cash dividends to net income (ytd only)* | 34.6225% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8170% | 807 |
| Loan loss allowance to noncurrent loans | 67.2446% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.9092% | 1,634 |
| Noncurrent loans to loans | 4.1893% | 1,084 |
| Net loans and leases to total assets | 57.8834% | 3,999 |
| Net loans and leases to deposits | 64.8576% | 4,448 |
| Net loans and leases to core deposits | 64.8576% | 4,854 |
| Total domestic deposits to total assets | 89.2468% | 1,411 |
| Equity capital to assets | 10.2047% | 3,882 |
| Core capital (leverage) ratio | 9.0290% | 4,851 |
| Tier 1 risk-based capital ratio | 14.1729% | 4,263 |
| Total risk-based capital ratio | 15.2618% | 4,337 |
| Memoranda: | ||
| Average total assets | $67,141,000 | 5,707 |
| Average earning assets | $59,071,800 | 5,775 |
| Average equity | $6,303,000 | 5,940 |
| Average total loans | $43,860,600 | 5,335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 719 |
| Cost of funding earning assets | 0.4069% | 6,080 |
| Net interest margin | 5.0698% | 359 |
| Noninterest income to average assets | 0.4625% | 4,195 |
| Noninterest expense to average assets | 3.9697% | 973 |
| Loan and lease loss provision to assets | 0.8266% | 563 |
| Net operating income to assets | 0.1387% | 6,051 |
| Return on assets (ROA) | 0.7833% | 3,777 |
| Pretax return on assets | 0.8778% | 4,201 |
| Return on Equity (ROE) | 8.5211% | 3,035 |
| Retained earnings to average equity (ytd only) | 4.4960% | 3,732 |
| Net charge-offs to loans | 1.4045% | 641 |
| Credit loss provision to net charge-offs | 88.2353% | 3,353 |
| Earnings coverage of net charge-offs (x) | 1.0462% | 4,789 |
| Efficiency ratio | 80.1988% | 2,066 |
| Assets per employee ($millions) | 2.7228% | 6,461 |
| Cash dividends to net income (ytd only)* | 47.2364% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5362% | 1,166 |
| Loan loss allowance to noncurrent loans | 57.4287% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 3.5074% | 1,426 |
| Noncurrent loans to loans | 4.4163% | 1,080 |
| Net loans and leases to total assets | 67.5093% | 2,367 |
| Net loans and leases to deposits | 75.4545% | 3,070 |
| Net loans and leases to core deposits | 75.4545% | 3,797 |
| Total domestic deposits to total assets | 89.4702% | 1,145 |
| Equity capital to assets | 9.8565% | 4,700 |
| Core capital (leverage) ratio | 8.7111% | 5,456 |
| Tier 1 risk-based capital ratio | 11.9323% | 5,972 |
| Total risk-based capital ratio | 13.1960% | 5,956 |
| Memoranda: | ||
| Average total assets | $67,745,000 | 5,751 |
| Average earning assets | $59,961,000 | 5,807 |
| Average equity | $6,227,500 | 6,025 |
| Average total loans | $45,188,000 | 5,336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 730 |
| Cost of funding earning assets | 0.4584% | 5,912 |
| Net interest margin | 5.0364% | 378 |
| Noninterest income to average assets | 0.4435% | 4,344 |
| Noninterest expense to average assets | 3.9741% | 975 |
| Loan and lease loss provision to assets | 1.1817% | 353 |
| Net operating income to assets | -0.1883% | 6,529 |
| Return on assets (ROA) | 0.6448% | 4,392 |
| Pretax return on assets | 0.7791% | 4,547 |
| Return on Equity (ROE) | 7.1796% | 3,678 |
| Retained earnings to average equity (ytd only) | 1.0721% | 5,646 |
| Net charge-offs to loans | 2.0415% | 397 |
| Credit loss provision to net charge-offs | 87.8525% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.7115% | 4,696 |
| Efficiency ratio | 80.5917% | 2,089 |
| Assets per employee ($millions) | 3.2239% | 5,602 |
| Cash dividends to net income (ytd only)* | 85.0679% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4577% | 1,342 |
| Loan loss allowance to noncurrent loans | 53.9981% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.6661% | 1,434 |
| Noncurrent loans to loans | 4.5514% | 1,153 |
| Net loans and leases to total assets | 67.2993% | 2,406 |
| Net loans and leases to deposits | 74.6249% | 3,186 |
| Net loans and leases to core deposits | 76.7558% | 3,688 |
| Total domestic deposits to total assets | 90.1835% | 821 |
| Equity capital to assets | 9.0544% | 5,643 |
| Core capital (leverage) ratio | 8.1890% | 6,063 |
| Tier 1 risk-based capital ratio | 10.9963% | 6,501 |
| Total risk-based capital ratio | 12.2558% | 6,473 |
| Memoranda: | ||
| Average total assets | $68,544,000 | 5,765 |
| Average earning assets | $61,075,670 | 5,801 |
| Average equity | $6,156,330 | 6,074 |
| Average total loans | $45,162,670 | 5,374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 613 |
| Cost of funding earning assets | 0.5084% | 5,759 |
| Net interest margin | 5.1036% | 338 |
| Noninterest income to average assets | 0.4292% | 4,458 |
| Noninterest expense to average assets | 3.7004% | 1,375 |
| Loan and lease loss provision to assets | 0.2320% | 2,626 |
| Net operating income to assets | 0.9277% | 2,799 |
| Return on assets (ROA) | 1.4848% | 1,171 |
| Pretax return on assets | 1.7516% | 1,193 |
| Return on Equity (ROE) | 16.5978% | 732 |
| Retained earnings to average equity (ytd only) | 9.2714% | 1,492 |
| Net charge-offs to loans | 0.5857% | 1,630 |
| Credit loss provision to net charge-offs | 61.5385% | 3,084 |
| Earnings coverage of net charge-offs (x) | 3.5231% | 2,813 |
| Efficiency ratio | 73.5871% | 3,159 |
| Assets per employee ($millions) | 2.9128% | 6,319 |
| Cash dividends to net income (ytd only)* | 44.1406% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 1,225 |
| Loan loss allowance to noncurrent loans | 65.6093% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 3.2137% | 1,805 |
| Noncurrent loans to loans | 3.9642% | 1,548 |
| Net loans and leases to total assets | 65.9034% | 2,486 |
| Net loans and leases to deposits | 74.4880% | 3,051 |
| Net loans and leases to core deposits | 76.6767% | 3,530 |
| Total domestic deposits to total assets | 88.4753% | 2,023 |
| Equity capital to assets | 9.2932% | 5,102 |
| Core capital (leverage) ratio | 7.7227% | 6,465 |
| Tier 1 risk-based capital ratio | 10.7083% | 6,667 |
| Total risk-based capital ratio | 11.9716% | 6,645 |
| Memoranda: | ||
| Average total assets | $68,965,000 | 5,801 |
| Average earning assets | $62,152,500 | 5,807 |
| Average equity | $6,169,500 | 6,103 |
| Average total loans | $44,388,500 | 5,452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 994 |
| Cost of funding earning assets | 0.7915% | 4,924 |
| Net interest margin | 4.7891% | 641 |
| Noninterest income to average assets | 0.4485% | 4,226 |
| Noninterest expense to average assets | 3.6209% | 1,700 |
| Loan and lease loss provision to assets | 1.2522% | 675 |
| Net operating income to assets | -0.1683% | 6,222 |
| Return on assets (ROA) | -0.0165% | 6,179 |
| Pretax return on assets | 0.0700% | 6,014 |
| Return on Equity (ROE) | -0.1859% | 6,180 |
| Retained earnings to average equity (ytd only) | -6.0269% | 6,508 |
| Net charge-offs to loans | 1.1201% | 1,533 |
| Credit loss provision to net charge-offs | 185.9470% | 1,391 |
| Earnings coverage of net charge-offs (x) | 1.6110% | 4,565 |
| Efficiency ratio | 76.9455% | 2,750 |
| Assets per employee ($millions) | 2.9556% | 6,186 |
| Cash dividends to net income (ytd only)* | -3,141.6667% | 7,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7713% | 1,007 |
| Loan loss allowance to noncurrent loans | 144.1916% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 1.5775% | 3,580 |
| Noncurrent loans to loans | 1.9219% | 3,307 |
| Net loans and leases to total assets | 59.5503% | 4,070 |
| Net loans and leases to deposits | 68.7465% | 4,320 |
| Net loans and leases to core deposits | 70.6896% | 4,687 |
| Total domestic deposits to total assets | 86.6230% | 2,963 |
| Equity capital to assets | 8.6177% | 5,993 |
| Core capital (leverage) ratio | 7.0060% | 6,864 |
| Tier 1 risk-based capital ratio | 10.9894% | 6,463 |
| Total risk-based capital ratio | 12.2550% | 6,439 |
| Memoranda: | ||
| Average total assets | $72,909,200 | 5,669 |
| Average earning assets | $64,813,200 | 5,710 |
| Average equity | $6,454,400 | 6,026 |
| Average total loans | $43,834,200 | 5,526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6426% | 953 |
| Cost of funding earning assets | 0.8809% | 4,543 |
| Net interest margin | 4.7617% | 672 |
| Noninterest income to average assets | 0.4396% | 4,367 |
| Noninterest expense to average assets | 3.5402% | 1,831 |
| Loan and lease loss provision to assets | 0.1489% | 4,586 |
| Net operating income to assets | 0.8478% | 2,949 |
| Return on assets (ROA) | 1.1244% | 2,020 |
| Pretax return on assets | 1.2769% | 2,371 |
| Return on Equity (ROE) | 12.6199% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.4629% | 2,258 |
| Net charge-offs to loans | 0.7800% | 1,996 |
| Credit loss provision to net charge-offs | 31.9066% | 5,383 |
| Earnings coverage of net charge-offs (x) | 2.3813% | 3,935 |
| Efficiency ratio | 76.1031% | 2,823 |
| Assets per employee ($millions) | 3.2489% | 5,574 |
| Cash dividends to net income (ytd only)* | 48.7889% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 5,023 |
| Loan loss allowance to noncurrent loans | 76.0652% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 3,949 |
| Noncurrent loans to loans | 1.7055% | 3,750 |
| Net loans and leases to total assets | 61.8034% | 3,776 |
| Net loans and leases to deposits | 69.5879% | 4,366 |
| Net loans and leases to core deposits | 71.4029% | 4,789 |
| Total domestic deposits to total assets | 88.8135% | 1,539 |
| Equity capital to assets | 9.0814% | 5,656 |
| Core capital (leverage) ratio | 7.9567% | 6,435 |
| Tier 1 risk-based capital ratio | 11.6411% | 6,145 |
| Total risk-based capital ratio | 12.8895% | 6,140 |
| Memoranda: | ||
| Average total assets | $73,402,750 | 5,702 |
| Average earning assets | $64,932,500 | 5,745 |
| Average equity | $6,539,750 | 6,046 |
| Average total loans | $43,931,250 | 5,566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 1,181 |
| Cost of funding earning assets | 0.9277% | 4,470 |
| Net interest margin | 4.6230% | 867 |
| Noninterest income to average assets | 0.4194% | 4,517 |
| Noninterest expense to average assets | 3.5498% | 1,856 |
| Loan and lease loss provision to assets | 0.1508% | 4,425 |
| Net operating income to assets | 0.7819% | 3,150 |
| Return on assets (ROA) | 1.2116% | 1,619 |
| Pretax return on assets | 1.2691% | 2,243 |
| Return on Equity (ROE) | 13.6891% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.6587% | 2,044 |
| Net charge-offs to loans | 1.1308% | 1,383 |
| Credit loss provision to net charge-offs | 22.6337% | 5,095 |
| Earnings coverage of net charge-offs (x) | 1.4527% | 4,190 |
| Efficiency ratio | 78.5801% | 2,614 |
| Assets per employee ($millions) | 3.3261% | 5,374 |
| Cash dividends to net income (ytd only)* | 51.3575% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 5,116 |
| Loan loss allowance to noncurrent loans | 84.6154% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 4,207 |
| Noncurrent loans to loans | 1.5213% | 4,142 |
| Net loans and leases to total assets | 62.2494% | 3,840 |
| Net loans and leases to deposits | 70.4927% | 4,370 |
| Net loans and leases to core deposits | 72.6097% | 4,747 |
| Total domestic deposits to total assets | 88.3061% | 1,959 |
| Equity capital to assets | 9.0400% | 5,520 |
| Core capital (leverage) ratio | 7.8083% | 6,503 |
| Tier 1 risk-based capital ratio | 11.5357% | 6,148 |
| Total risk-based capital ratio | 12.7719% | 6,138 |
| Memoranda: | ||
| Average total assets | $72,962,330 | 5,753 |
| Average earning assets | $64,676,670 | 5,796 |
| Average equity | $6,457,670 | 6,099 |
| Average total loans | $42,978,670 | 5,663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 1,401 |
| Cost of funding earning assets | 0.9612% | 4,489 |
| Net interest margin | 4.5002% | 1,072 |
| Noninterest income to average assets | 0.4282% | 4,470 |
| Noninterest expense to average assets | 3.3655% | 2,367 |
| Loan and lease loss provision to assets | 0.0988% | 4,770 |
| Net operating income to assets | 0.9169% | 2,486 |
| Return on assets (ROA) | 1.2518% | 1,436 |
| Pretax return on assets | 1.2573% | 2,172 |
| Return on Equity (ROE) | 14.2969% | 934 |
| Retained earnings to average equity (ytd only) | 7.2112% | 2,062 |
| Net charge-offs to loans | 2.2128% | 550 |
| Credit loss provision to net charge-offs | 7.8603% | 4,405 |
| Earnings coverage of net charge-offs (x) | 0.8122% | 4,035 |
| Efficiency ratio | 76.7209% | 3,028 |
| Assets per employee ($millions) | 3.2795% | 5,526 |
| Cash dividends to net income (ytd only)* | 49.5614% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 4,835 |
| Loan loss allowance to noncurrent loans | 98.2788% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1989% | 4,557 |
| Noncurrent loans to loans | 1.3879% | 4,391 |
| Net loans and leases to total assets | 57.2288% | 4,757 |
| Net loans and leases to deposits | 64.7158% | 5,165 |
| Net loans and leases to core deposits | 66.3624% | 5,473 |
| Total domestic deposits to total assets | 88.4309% | 2,121 |
| Equity capital to assets | 8.8775% | 5,382 |
| Core capital (leverage) ratio | 7.7872% | 6,476 |
| Tier 1 risk-based capital ratio | 12.0726% | 5,624 |
| Total risk-based capital ratio | 13.3129% | 5,626 |
| Memoranda: | ||
| Average total assets | $72,856,000 | 5,793 |
| Average earning assets | $64,086,000 | 5,859 |
| Average equity | $6,379,000 | 6,135 |
| Average total loans | $41,395,500 | 5,791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0756% | 734 |
| Cost of funding earning assets | 1.2271% | 4,375 |
| Net interest margin | 4.8485% | 609 |
| Noninterest income to average assets | 0.4896% | 4,249 |
| Noninterest expense to average assets | 3.7073% | 1,684 |
| Loan and lease loss provision to assets | 0.6660% | 2,482 |
| Net operating income to assets | 0.4226% | 4,447 |
| Return on assets (ROA) | 0.4226% | 4,579 |
| Pretax return on assets | 0.4444% | 4,812 |
| Return on Equity (ROE) | 4.8560% | 4,133 |
| Retained earnings to average equity (ytd only) | 1.7130% | 4,662 |
| Net charge-offs to loans | 0.4171% | 3,951 |
| Credit loss provision to net charge-offs | 267.5824% | 1,042 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 2,917 |
| Efficiency ratio | 76.9515% | 2,882 |
| Assets per employee ($millions) | 3.3438% | 5,327 |
| Cash dividends to net income (ytd only)* | 64.7249% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,531 |
| Loan loss allowance to noncurrent loans | 107.5653% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 4,354 |
| Noncurrent loans to loans | 1.7762% | 3,847 |
| Net loans and leases to total assets | 54.5763% | 5,565 |
| Net loans and leases to deposits | 61.6088% | 5,885 |
| Net loans and leases to core deposits | 63.0990% | 6,141 |
| Total domestic deposits to total assets | 88.5853% | 1,902 |
| Equity capital to assets | 8.6361% | 5,677 |
| Core capital (leverage) ratio | 7.5610% | 6,653 |
| Tier 1 risk-based capital ratio | 12.2261% | 5,275 |
| Total risk-based capital ratio | 13.4825% | 5,237 |
| Memoranda: | ||
| Average total assets | $73,126,000 | 5,782 |
| Average earning assets | $65,277,800 | 5,821 |
| Average equity | $6,363,200 | 6,247 |
| Average total loans | $43,634,000 | 5,761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2396% | 573 |
| Cost of funding earning assets | 1.2926% | 4,269 |
| Net interest margin | 4.9471% | 494 |
| Noninterest income to average assets | 0.4821% | 4,319 |
| Noninterest expense to average assets | 3.6484% | 1,675 |
| Loan and lease loss provision to assets | 0.4510% | 3,216 |
| Net operating income to assets | 0.8053% | 2,980 |
| Return on assets (ROA) | 0.8053% | 3,128 |
| Pretax return on assets | 0.8345% | 3,786 |
| Return on Equity (ROE) | 9.2368% | 2,415 |
| Retained earnings to average equity (ytd only) | 6.2206% | 2,252 |
| Net charge-offs to loans | 0.5476% | 3,113 |
| Credit loss provision to net charge-offs | 135.7143% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.8681% | 3,270 |
| Efficiency ratio | 73.9452% | 3,333 |
| Assets per employee ($millions) | 3.3156% | 5,413 |
| Cash dividends to net income (ytd only)* | 32.6536% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,538 |
| Loan loss allowance to noncurrent loans | 168.3230% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 5,524 |
| Noncurrent loans to loans | 0.7084% | 5,794 |
| Net loans and leases to total assets | 61.5733% | 4,620 |
| Net loans and leases to deposits | 70.1748% | 5,121 |
| Net loans and leases to core deposits | 74.6117% | 5,215 |
| Total domestic deposits to total assets | 87.7427% | 2,133 |
| Equity capital to assets | 9.0727% | 5,484 |
| Core capital (leverage) ratio | 7.8492% | 6,519 |
| Tier 1 risk-based capital ratio | 11.7793% | 5,662 |
| Total risk-based capital ratio | 12.9487% | 5,704 |
| Memoranda: | ||
| Average total assets | $73,016,750 | 5,853 |
| Average earning assets | $65,707,250 | 5,872 |
| Average equity | $6,365,750 | 6,331 |
| Average total loans | $44,310,000 | 5,817 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2721% | 538 |
| Cost of funding earning assets | 1.3589% | 4,132 |
| Net interest margin | 4.9132% | 521 |
| Noninterest income to average assets | 0.4518% | 4,498 |
| Noninterest expense to average assets | 3.7513% | 1,446 |
| Loan and lease loss provision to assets | 0.5559% | 2,548 |
| Net operating income to assets | 0.5641% | 4,020 |
| Return on assets (ROA) | 0.5641% | 4,171 |
| Pretax return on assets | 0.5997% | 4,564 |
| Return on Equity (ROE) | 6.5588% | 3,526 |
| Retained earnings to average equity (ytd only) | 1.9740% | 4,877 |
| Net charge-offs to loans | 0.0865% | 5,275 |
| Credit loss provision to net charge-offs | 1,068.4211% | 354 |
| Earnings coverage of net charge-offs (x) | 22.2105% | 1,142 |
| Efficiency ratio | 76.4509% | 2,989 |
| Assets per employee ($millions) | 3.3627% | 5,276 |
| Cash dividends to net income (ytd only)* | 69.9029% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 4,188 |
| Loan loss allowance to noncurrent loans | 68.2147% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6531% | 3,949 |
| Noncurrent loans to loans | 2.1226% | 3,564 |
| Net loans and leases to total assets | 60.8151% | 4,902 |
| Net loans and leases to deposits | 70.2348% | 5,239 |
| Net loans and leases to core deposits | 73.7352% | 5,475 |
| Total domestic deposits to total assets | 86.5883% | 2,767 |
| Equity capital to assets | 8.6807% | 5,909 |
| Core capital (leverage) ratio | 7.5516% | 6,779 |
| Tier 1 risk-based capital ratio | 11.2815% | 5,957 |
| Total risk-based capital ratio | 12.5327% | 5,943 |
| Memoranda: | ||
| Average total assets | $73,041,000 | 5,893 |
| Average earning assets | $66,230,330 | 5,894 |
| Average equity | $6,281,670 | 6,380 |
| Average total loans | $43,928,000 | 5,869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3977% | 439 |
| Cost of funding earning assets | 1.4103% | 4,113 |
| Net interest margin | 4.9874% | 427 |
| Noninterest income to average assets | 0.4520% | 4,449 |
| Noninterest expense to average assets | 3.7315% | 1,453 |
| Loan and lease loss provision to assets | 0.2866% | 3,737 |
| Net operating income to assets | 0.9756% | 2,281 |
| Return on assets (ROA) | 0.9756% | 2,344 |
| Pretax return on assets | 0.9756% | 3,185 |
| Return on Equity (ROE) | 11.3982% | 1,671 |
| Retained earnings to average equity (ytd only) | 8.1784% | 1,633 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7241% | 3,446 |
| Assets per employee ($millions) | 3.2638% | 5,621 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 5,489 |
| Loan loss allowance to noncurrent loans | 101.9268% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 5,534 |
| Noncurrent loans to loans | 1.1792% | 5,005 |
| Net loans and leases to total assets | 60.5588% | 5,029 |
| Net loans and leases to deposits | 69.1260% | 5,457 |
| Net loans and leases to core deposits | 72.6181% | 5,649 |
| Total domestic deposits to total assets | 87.6064% | 2,298 |
| Equity capital to assets | 8.7754% | 5,599 |
| Core capital (leverage) ratio | 7.5762% | 6,767 |
| Tier 1 risk-based capital ratio | 11.8285% | 5,368 |
| Total risk-based capital ratio | 13.3432% | 5,061 |
| Memoranda: | ||
| Average total assets | $72,571,500 | 5,981 |
| Average earning assets | $66,086,500 | 5,963 |
| Average equity | $6,211,500 | 6,447 |
| Average total loans | $43,066,000 | 5,978 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8507% | 347 |
| Cost of funding earning assets | 1.6741% | 4,645 |
| Net interest margin | 5.1765% | 308 |
| Noninterest income to average assets | 0.6496% | 3,294 |
| Noninterest expense to average assets | 3.9576% | 1,424 |
| Loan and lease loss provision to assets | 0.6979% | 3,030 |
| Net operating income to assets | 0.5181% | 3,657 |
| Return on assets (ROA) | 0.6960% | 3,022 |
| Pretax return on assets | 0.8971% | 2,934 |
| Return on Equity (ROE) | 8.8570% | 2,072 |
| Retained earnings to average equity (ytd only) | 6.4213% | 1,182 |
| Net charge-offs to loans | 0.5031% | 3,763 |
| Credit loss provision to net charge-offs | 209.8837% | 1,829 |
| Earnings coverage of net charge-offs (x) | 4.1105% | 3,059 |
| Efficiency ratio | 74.3282% | 3,830 |
| Assets per employee ($millions) | 3.3336% | 5,416 |
| Cash dividends to net income (ytd only)* | 27.5000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 5,738 |
| Loan loss allowance to noncurrent loans | 82.9565% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 5,537 |
| Noncurrent loans to loans | 1.3651% | 4,639 |
| Net loans and leases to total assets | 56.7807% | 5,858 |
| Net loans and leases to deposits | 64.4579% | 6,219 |
| Net loans and leases to core deposits | 79.8049% | 6,122 |
| Total domestic deposits to total assets | 88.0897% | 1,927 |
| Equity capital to assets | 8.3474% | 6,128 |
| Core capital (leverage) ratio | 8.9225% | 4,554 |
| Tier 1 risk-based capital ratio | 11.8032% | 5,111 |
| Total risk-based capital ratio | 13.2391% | 4,911 |
| Memoranda: | ||
| Average total assets | $51,723,000 | 6,646 |
| Average earning assets | $46,710,800 | 6,654 |
| Average equity | $4,064,600 | 7,261 |
| Average total loans | $34,189,200 | 6,386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7336% | 480 |
| Cost of funding earning assets | 1.6786% | 5,014 |
| Net interest margin | 5.0550% | 403 |
| Noninterest income to average assets | 0.7168% | 2,908 |
| Noninterest expense to average assets | 3.6672% | 1,896 |
| Loan and lease loss provision to assets | 0.6160% | 2,928 |
| Net operating income to assets | 0.7601% | 2,986 |
| Return on assets (ROA) | 0.8377% | 2,729 |
| Pretax return on assets | 1.0938% | 2,598 |
| Return on Equity (ROE) | 10.9285% | 1,643 |
| Retained earnings to average equity (ytd only) | 9.9897% | 637 |
| Net charge-offs to loans | 0.5299% | 3,097 |
| Credit loss provision to net charge-offs | 167.1875% | 2,805 |
| Earnings coverage of net charge-offs (x) | 4.3672% | 3,161 |
| Efficiency ratio | 69.5035% | 4,693 |
| Assets per employee ($millions) | 3.1376% | 5,817 |
| Cash dividends to net income (ytd only)* | 8.5904% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 7,007 |
| Loan loss allowance to noncurrent loans | 69.0037% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 5,627 |
| Noncurrent loans to loans | 1.2091% | 4,926 |
| Net loans and leases to total assets | 61.5977% | 5,311 |
| Net loans and leases to deposits | 70.3588% | 5,865 |
| Net loans and leases to core deposits | 85.4419% | 5,922 |
| Total domestic deposits to total assets | 87.5480% | 1,866 |
| Equity capital to assets | 8.6302% | 6,072 |
| Core capital (leverage) ratio | 9.6729% | 3,685 |
| Tier 1 risk-based capital ratio | 11.7664% | 5,181 |
| Total risk-based capital ratio | 13.0602% | 5,087 |
| Memoranda: | ||
| Average total assets | $46,318,750 | 6,907 |
| Average earning assets | $41,779,500 | 6,920 |
| Average equity | $3,550,250 | 7,492 |
| Average total loans | $32,206,500 | 6,557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8174% | 107 |
| Cost of funding earning assets | 1.9367% | 4,079 |
| Net interest margin | 5.8806% | 119 |
| Noninterest income to average assets | 0.7957% | 2,433 |
| Noninterest expense to average assets | 4.1959% | 1,079 |
| Loan and lease loss provision to assets | 0.8434% | 1,989 |
| Net operating income to assets | 0.8434% | 2,680 |
| Return on assets (ROA) | 0.9230% | 2,463 |
| Pretax return on assets | 1.1723% | 2,381 |
| Return on Equity (ROE) | 13.0942% | 1,162 |
| Retained earnings to average equity (ytd only) | 13.0942% | 318 |
| Net charge-offs to loans | 0.9214% | 1,869 |
| Credit loss provision to net charge-offs | 123.2558% | 3,772 |
| Earnings coverage of net charge-offs (x) | 2.7984% | 3,689 |
| Efficiency ratio | 68.6632% | 5,039 |
| Assets per employee ($millions) | 2.4320% | 7,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 6,025 |
| Loan loss allowance to noncurrent loans | 115.6716% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 5,688 |
| Noncurrent loans to loans | 0.8903% | 5,434 |
| Net loans and leases to total assets | 76.5625% | 2,046 |
| Net loans and leases to deposits | 90.3609% | 2,777 |
| Net loans and leases to core deposits | 119.9066% | 2,381 |
| Total domestic deposits to total assets | 84.7296% | 3,388 |
| Equity capital to assets | 7.0492% | 7,582 |
| Core capital (leverage) ratio | 7.1557% | 7,401 |
| Tier 1 risk-based capital ratio | 11.0834% | 5,796 |
| Total risk-based capital ratio | 13.1510% | 4,918 |
| Memoranda: | ||
| Average total assets | $37,703,330 | 7,304 |
| Average earning assets | $34,078,000 | 7,311 |
| Average equity | $2,657,670 | 7,835 |
| Average total loans | $28,000,000 | 6,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6803% | 135 |
| Cost of funding earning assets | 2.0010% | 4,123 |
| Net interest margin | 5.6794% | 141 |
| Noninterest income to average assets | 0.6900% | 2,947 |
| Noninterest expense to average assets | 3.9893% | 1,197 |
| Loan and lease loss provision to assets | 0.9165% | 1,423 |
| Net operating income to assets | 0.5714% | 4,137 |
| Return on assets (ROA) | 0.5714% | 4,333 |
| Pretax return on assets | 0.8949% | 3,738 |
| Return on Equity (ROE) | 8.1071% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.1071% | 1,772 |
| Net charge-offs to loans | 0.2672% | 3,063 |
| Credit loss provision to net charge-offs | 472.2222% | 1,129 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,070 |
| Efficiency ratio | 68.7732% | 4,824 |
| Assets per employee ($millions) | 2.5835% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,388 |
| Loan loss allowance to noncurrent loans | 172.3301% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 5,895 |
| Noncurrent loans to loans | 0.7278% | 5,606 |
| Net loans and leases to total assets | 72.1253% | 3,216 |
| Net loans and leases to deposits | 87.7744% | 3,322 |
| Net loans and leases to core deposits | 118.7694% | 2,530 |
| Total domestic deposits to total assets | 82.1712% | 4,480 |
| Equity capital to assets | 6.8332% | 7,754 |
| Core capital (leverage) ratio | 6.8567% | 7,723 |
| Tier 1 risk-based capital ratio | 10.7822% | 6,114 |
| Total risk-based capital ratio | 12.9086% | 5,161 |
| Memoranda: | ||
| Average total assets | $37,099,000 | 7,375 |
| Average earning assets | $33,384,000 | 7,384 |
| Average equity | $2,615,000 | 7,899 |
| Average total loans | $26,949,000 | 6,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0625% | 179 |
| Cost of funding earning assets | 2.4719% | 4,355 |
| Net interest margin | 5.5906% | 183 |
| Noninterest income to average assets | 0.7566% | 2,749 |
| Noninterest expense to average assets | 4.2211% | 1,130 |
| Loan and lease loss provision to assets | 0.1132% | 5,924 |
| Net operating income to assets | 1.1230% | 2,057 |
| Return on assets (ROA) | 1.1230% | 1,971 |
| Pretax return on assets | 1.4686% | 1,770 |
| Return on Equity (ROE) | 15.9651% | 781 |
| Retained earnings to average equity (ytd only) | 15.9651% | 71 |
| Net charge-offs to loans | 0.0465% | 6,121 |
| Credit loss provision to net charge-offs | 345.4545% | 1,309 |
| Earnings coverage of net charge-offs (x) | 48.2727% | 779 |
| Efficiency ratio | 72.7413% | 3,806 |
| Assets per employee ($millions) | 2.0851% | 7,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,093 |
| Loan loss allowance to noncurrent loans | 576.0000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 7,013 |
| Noncurrent loans to loans | 0.1954% | 6,807 |
| Net loans and leases to total assets | 71.3903% | 3,711 |
| Net loans and leases to deposits | 82.9835% | 4,578 |
| Net loans and leases to core deposits | 112.0980% | 3,552 |
| Total domestic deposits to total assets | 86.0295% | 2,387 |
| Equity capital to assets | 7.2843% | 7,570 |
| Core capital (leverage) ratio | 7.2591% | 7,462 |
| Tier 1 risk-based capital ratio | 11.1365% | 5,608 |
| Total risk-based capital ratio | 13.3260% | 4,641 |
| Memoranda: | ||
| Average total assets | $33,569,800 | 7,482 |
| Average earning assets | $30,300,600 | 7,498 |
| Average equity | $2,361,400 | 8,033 |
| Average total loans | $23,672,000 | 7,095 |