Home > The Atlanta National Bank > Performance and Condition Ratios
The Atlanta 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 | 3.8255% | 4,155 |
| Cost of funding earning assets | 0.5965% | 4,075 |
| Net interest margin | 3.2290% | 2,798 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.8568% | 1,381 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3537% | 3,951 |
| Return on assets (ROA) | 0.3537% | 3,946 |
| Pretax return on assets | 0.3537% | 4,030 |
| Return on Equity (ROE) | 3.4800% | 3,958 |
| Retained earnings to average equity (ytd only) | 1.3734% | 3,743 |
| Net charge-offs to loans | 0.1027% | 889 |
| Credit loss provision to net charge-offs | 111.1111% | 1,750 |
| Earnings coverage of net charge-offs (x) | 10.2963% | 2,245 |
| Efficiency ratio | 87.8124% | 489 |
| Assets per employee ($millions) | 4.0498% | 4,142 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,027 |
| Loan loss allowance to noncurrent loans | 111.5789% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 1,844 |
| Noncurrent loans to loans | 0.6891% | 1,145 |
| Net loans and leases to total assets | 39.7400% | 4,045 |
| Net loans and leases to deposits | 44.8049% | 4,077 |
| Net loans and leases to core deposits | 47.1668% | 4,140 |
| Total domestic deposits to total assets | 88.7000% | 1,156 |
| Equity capital to assets | 10.8198% | 1,576 |
| Core capital (leverage) ratio | 12.8963% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5339% | 450 |
| Memoranda: | ||
| Average total assets | $70,112,200 | 4,110 |
| Average earning assets | $64,880,200 | 4,091 |
| Average equity | $7,135,400 | 4,030 |
| Average total loans | $26,297,200 | 4,195 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 4,275 |
| Cost of funding earning assets | 0.5062% | 4,125 |
| Net interest margin | 3.1311% | 3,079 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.8283% | 1,367 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.2821% | 4,135 |
| Return on assets (ROA) | 0.2821% | 4,139 |
| Pretax return on assets | 0.2896% | 4,177 |
| Return on Equity (ROE) | 2.8200% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.8151% | 3,551 |
| Net charge-offs to loans | 0.1129% | 707 |
| Credit loss provision to net charge-offs | 45.4545% | 1,913 |
| Earnings coverage of net charge-offs (x) | 7.4091% | 2,236 |
| Efficiency ratio | 90.1629% | 370 |
| Assets per employee ($millions) | 4.3458% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 4,107 |
| Loan loss allowance to noncurrent loans | 139.7163% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,253 |
| Noncurrent loans to loans | 0.5127% | 1,537 |
| Net loans and leases to total assets | 39.2700% | 4,085 |
| Net loans and leases to deposits | 43.8902% | 4,106 |
| Net loans and leases to core deposits | 46.1522% | 4,124 |
| Total domestic deposits to total assets | 89.4700% | 1,083 |
| Equity capital to assets | 9.9738% | 1,841 |
| Core capital (leverage) ratio | 13.1035% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9256% | 497 |
| Memoranda: | ||
| Average total assets | $70,428,750 | 4,126 |
| Average earning assets | $65,322,250 | 4,106 |
| Average equity | $7,057,000 | 4,041 |
| Average total loans | $25,978,250 | 4,218 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,268 |
| Cost of funding earning assets | 0.4327% | 4,114 |
| Net interest margin | 3.1506% | 3,103 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.8532% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2913% | 4,166 |
| Return on assets (ROA) | 0.2913% | 4,194 |
| Pretax return on assets | 0.3026% | 4,230 |
| Return on Equity (ROE) | 2.9000% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.9024% | 3,503 |
| Net charge-offs to loans | -0.0079% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.4122% | 344 |
| Assets per employee ($millions) | 3.6511% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 3,991 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,427 |
| Noncurrent loans to loans | 0.4328% | 1,637 |
| Net loans and leases to total assets | 37.0000% | 4,145 |
| Net loans and leases to deposits | 42.0314% | 4,158 |
| Net loans and leases to core deposits | 44.6115% | 4,155 |
| Total domestic deposits to total assets | 88.0400% | 1,583 |
| Equity capital to assets | 10.1730% | 1,763 |
| Core capital (leverage) ratio | 13.0154% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9164% | 431 |
| Memoranda: | ||
| Average total assets | $70,727,667 | 4,140 |
| Average earning assets | $65,638,667 | 4,125 |
| Average equity | $7,097,667 | 4,065 |
| Average total loans | $25,470,333 | 4,239 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 4,216 |
| Cost of funding earning assets | 0.4158% | 3,920 |
| Net interest margin | 3.1333% | 3,279 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.8065% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3193% | 4,222 |
| Return on assets (ROA) | 0.3193% | 4,181 |
| Pretax return on assets | 0.3417% | 4,215 |
| Return on Equity (ROE) | 3.2000% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.2031% | 3,460 |
| Net charge-offs to loans | -0.0158% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.1459% | 384 |
| Assets per employee ($millions) | 3.9898% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 3,989 |
| Loan loss allowance to noncurrent loans | 228.2609% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,618 |
| Noncurrent loans to loans | 0.3725% | 1,818 |
| Net loans and leases to total assets | 34.1000% | 4,259 |
| Net loans and leases to deposits | 38.1592% | 4,275 |
| Net loans and leases to core deposits | 40.5377% | 4,260 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 10.0479% | 1,798 |
| Core capital (leverage) ratio | 12.5968% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9784% | 357 |
| Memoranda: | ||
| Average total assets | $71,406,500 | 4,189 |
| Average earning assets | $66,384,500 | 4,168 |
| Average equity | $7,118,000 | 4,106 |
| Average total loans | $25,266,000 | 4,302 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0399% | 4,086 |
| Cost of funding earning assets | 0.2876% | 2,979 |
| Net interest margin | 2.7523% | 3,973 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.0378% | 3,474 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7375% | 3,516 |
| Return on assets (ROA) | 0.7375% | 3,456 |
| Pretax return on assets | 0.7878% | 3,659 |
| Return on Equity (ROE) | 6.9700% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.9982% | 3,396 |
| Net charge-offs to loans | -0.0042% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.7659% | 1,469 |
| Assets per employee ($millions) | 5.4613% | 3,259 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 4,007 |
| Loan loss allowance to noncurrent loans | 169.9187% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 2,336 |
| Noncurrent loans to loans | 0.4761% | 1,510 |
| Net loans and leases to total assets | 36.1000% | 4,211 |
| Net loans and leases to deposits | 40.2750% | 4,238 |
| Net loans and leases to core deposits | 42.7987% | 4,211 |
| Total domestic deposits to total assets | 89.6200% | 1,510 |
| Equity capital to assets | 9.8877% | 1,765 |
| Core capital (leverage) ratio | 12.5324% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5618% | 444 |
| Memoranda: | ||
| Average total assets | $71,596,000 | 4,219 |
| Average earning assets | $66,417,000 | 4,193 |
| Average equity | $7,578,400 | 4,141 |
| Average total loans | $23,890,600 | 4,348 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9565% | 3,969 |
| Cost of funding earning assets | 0.2644% | 2,553 |
| Net interest margin | 2.6921% | 3,944 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9569% | 3,606 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7099% | 3,539 |
| Return on assets (ROA) | 0.7099% | 3,495 |
| Pretax return on assets | 0.7564% | 3,677 |
| Return on Equity (ROE) | 6.6000% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.5991% | 2,517 |
| Net charge-offs to loans | -0.0057% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6327% | 1,570 |
| Assets per employee ($millions) | 5.0786% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,072 |
| Loan loss allowance to noncurrent loans | 115.4696% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 1,945 |
| Noncurrent loans to loans | 0.7004% | 1,166 |
| Net loans and leases to total assets | 36.0500% | 4,225 |
| Net loans and leases to deposits | 40.4900% | 4,225 |
| Net loans and leases to core deposits | 43.2272% | 4,195 |
| Total domestic deposits to total assets | 89.0500% | 2,072 |
| Equity capital to assets | 9.7679% | 1,744 |
| Core capital (leverage) ratio | 12.5851% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5396% | 362 |
| Memoranda: | ||
| Average total assets | $71,745,750 | 4,250 |
| Average earning assets | $66,562,750 | 4,222 |
| Average equity | $7,718,000 | 4,168 |
| Average total loans | $23,404,250 | 4,386 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8756% | 3,840 |
| Cost of funding earning assets | 0.2606% | 2,135 |
| Net interest margin | 2.6150% | 3,876 |
| Noninterest income to average assets | 0.2529% | 3,655 |
| Noninterest expense to average assets | 1.9566% | 3,560 |
| Loan and lease loss provision to assets | 0.0278% | 2,092 |
| Net operating income to assets | 0.6504% | 3,472 |
| Return on assets (ROA) | 0.6504% | 3,422 |
| Pretax return on assets | 0.6948% | 3,589 |
| Return on Equity (ROE) | 5.8678% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.8678% | 2,379 |
| Net charge-offs to loans | -0.0089% | 3,545 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0290% | 1,623 |
| Assets per employee ($millions) | 5.9632% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,046 |
| Loan loss allowance to noncurrent loans | 348.3333% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,142 |
| Noncurrent loans to loans | 0.2486% | 2,487 |
| Net loans and leases to total assets | 33.4316% | 4,351 |
| Net loans and leases to deposits | 37.2493% | 4,359 |
| Net loans and leases to core deposits | 39.0701% | 4,348 |
| Total domestic deposits to total assets | 89.7510% | 1,818 |
| Equity capital to assets | 9.9891% | 1,725 |
| Core capital (leverage) ratio | 11.9876% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4830% | 404 |
| Memoranda: | ||
| Average total assets | $71,961,000 | 4,296 |
| Average earning assets | $66,767,667 | 4,282 |
| Average equity | $7,975,667 | 4,205 |
| Average total loans | $22,591,000 | 4,451 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6892% | 3,967 |
| Cost of funding earning assets | 0.2564% | 2,080 |
| Net interest margin | 2.4328% | 4,013 |
| Noninterest income to average assets | 0.2439% | 3,682 |
| Noninterest expense to average assets | 2.0066% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4767% | 3,767 |
| Return on assets (ROA) | 0.4767% | 3,737 |
| Pretax return on assets | 0.4989% | 3,873 |
| Return on Equity (ROE) | 4.1004% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.1004% | 2,900 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0885% | 1,148 |
| Assets per employee ($millions) | 5.6992% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,143 |
| Loan loss allowance to noncurrent loans | 373.5849% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,352 |
| Noncurrent loans to loans | 0.2289% | 2,681 |
| Net loans and leases to total assets | 30.9884% | 4,419 |
| Net loans and leases to deposits | 34.8751% | 4,427 |
| Net loans and leases to core deposits | 36.5351% | 4,414 |
| Total domestic deposits to total assets | 88.8553% | 2,148 |
| Equity capital to assets | 10.6588% | 1,514 |
| Core capital (leverage) ratio | 11.8382% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8895% | 333 |
| Memoranda: | ||
| Average total assets | $72,162,500 | 4,317 |
| Average earning assets | $67,083,000 | 4,303 |
| Average equity | $8,389,500 | 4,228 |
| Average total loans | $21,820,500 | 4,483 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 3,578 |
| Cost of funding earning assets | 0.2788% | 2,612 |
| Net interest margin | 2.8729% | 3,505 |
| Noninterest income to average assets | 0.3546% | 3,316 |
| Noninterest expense to average assets | 2.0279% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9472% | 2,879 |
| Return on assets (ROA) | 0.9292% | 3,007 |
| Pretax return on assets | 1.0076% | 3,244 |
| Return on Equity (ROE) | 7.4269% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.7863% | 3,298 |
| Net charge-offs to loans | -0.0091% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3761% | 2,211 |
| Assets per employee ($millions) | 5.0169% | 3,713 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,887 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,403 |
| Noncurrent loans to loans | 0.2685% | 2,644 |
| Net loans and leases to total assets | 28.8826% | 4,545 |
| Net loans and leases to deposits | 33.3131% | 4,544 |
| Net loans and leases to core deposits | 35.0381% | 4,537 |
| Total domestic deposits to total assets | 86.7006% | 2,623 |
| Equity capital to assets | 12.6459% | 1,017 |
| Core capital (leverage) ratio | 11.6898% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3682% | 271 |
| Memoranda: | ||
| Average total assets | $71,355,000 | 4,328 |
| Average earning assets | $67,074,000 | 4,298 |
| Average equity | $8,927,000 | 4,253 |
| Average total loans | $22,025,000 | 4,533 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1031% | 3,801 |
| Cost of funding earning assets | 0.2807% | 2,793 |
| Net interest margin | 2.8225% | 3,728 |
| Noninterest income to average assets | 0.2736% | 3,783 |
| Noninterest expense to average assets | 1.9338% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9211% | 3,177 |
| Return on assets (ROA) | 0.8971% | 3,329 |
| Pretax return on assets | 0.9716% | 3,540 |
| Return on Equity (ROE) | 7.1899% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.1899% | 2,344 |
| Net charge-offs to loans | -0.0119% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9683% | 2,104 |
| Assets per employee ($millions) | 5.5159% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,163 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,706 |
| Noncurrent loans to loans | 0.1990% | 3,154 |
| Net loans and leases to total assets | 30.5549% | 4,577 |
| Net loans and leases to deposits | 35.8769% | 4,580 |
| Net loans and leases to core deposits | 37.7414% | 4,577 |
| Total domestic deposits to total assets | 85.1660% | 3,060 |
| Equity capital to assets | 12.8955% | 1,015 |
| Core capital (leverage) ratio | 12.3495% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9624% | 306 |
| Memoranda: | ||
| Average total assets | $71,634,750 | 4,373 |
| Average earning assets | $67,456,750 | 4,350 |
| Average equity | $8,938,250 | 4,310 |
| Average total loans | $22,410,250 | 4,583 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7692% | 4,388 |
| Cost of funding earning assets | 0.2817% | 2,957 |
| Net interest margin | 2.4876% | 4,326 |
| Noninterest income to average assets | 0.2625% | 3,820 |
| Noninterest expense to average assets | 1.9606% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6093% | 3,962 |
| Return on assets (ROA) | 0.5725% | 4,097 |
| Pretax return on assets | 0.6061% | 4,223 |
| Return on Equity (ROE) | 4.6405% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.6405% | 3,314 |
| Net charge-offs to loans | -0.0178% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2412% | 1,148 |
| Assets per employee ($millions) | 5.3626% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 4,277 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,791 |
| Noncurrent loans to loans | 0.1942% | 3,256 |
| Net loans and leases to total assets | 32.9532% | 4,566 |
| Net loans and leases to deposits | 38.4775% | 4,565 |
| Net loans and leases to core deposits | 40.5239% | 4,568 |
| Total domestic deposits to total assets | 85.6428% | 2,858 |
| Equity capital to assets | 12.7751% | 1,022 |
| Core capital (leverage) ratio | 11.8318% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4947% | 283 |
| Memoranda: | ||
| Average total assets | $71,610,667 | 4,402 |
| Average earning assets | $67,455,333 | 4,373 |
| Average equity | $8,835,333 | 4,341 |
| Average total loans | $22,511,000 | 4,619 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1779% | 3,725 |
| Cost of funding earning assets | 0.2868% | 3,132 |
| Net interest margin | 2.8912% | 3,549 |
| Noninterest income to average assets | 0.2701% | 3,782 |
| Noninterest expense to average assets | 1.9405% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9759% | 2,884 |
| Return on assets (ROA) | 0.9041% | 3,195 |
| Pretax return on assets | 0.9758% | 3,443 |
| Return on Equity (ROE) | 7.4229% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.4229% | 2,444 |
| Net charge-offs to loans | -0.0180% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8250% | 2,367 |
| Assets per employee ($millions) | 5.2849% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,258 |
| Loan loss allowance to noncurrent loans | 492.5000% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,991 |
| Noncurrent loans to loans | 0.1757% | 3,480 |
| Net loans and leases to total assets | 30.5099% | 4,682 |
| Net loans and leases to deposits | 36.6372% | 4,660 |
| Net loans and leases to core deposits | 38.5222% | 4,658 |
| Total domestic deposits to total assets | 83.2759% | 3,621 |
| Equity capital to assets | 11.9450% | 1,313 |
| Core capital (leverage) ratio | 11.5782% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3609% | 311 |
| Memoranda: | ||
| Average total assets | $72,559,000 | 4,403 |
| Average earning assets | $68,346,500 | 4,378 |
| Average equity | $8,837,500 | 4,351 |
| Average total loans | $22,181,000 | 4,653 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0973% | 4,568 |
| Cost of funding earning assets | 0.4166% | 3,483 |
| Net interest margin | 2.6807% | 4,402 |
| Noninterest income to average assets | 0.3947% | 3,120 |
| Noninterest expense to average assets | 2.1194% | 3,893 |
| Loan and lease loss provision to assets | 0.0228% | 4,114 |
| Net operating income to assets | 0.7257% | 3,346 |
| Return on assets (ROA) | 0.7257% | 3,477 |
| Pretax return on assets | 0.7728% | 3,699 |
| Return on Equity (ROE) | 5.5531% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.6488% | 3,529 |
| Net charge-offs to loans | 0.0098% | 2,967 |
| Credit loss provision to net charge-offs | 750.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 380 |
| Efficiency ratio | 72.7083% | 1,604 |
| Assets per employee ($millions) | 4.7419% | 3,671 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,166 |
| Loan loss allowance to noncurrent loans | 62.6198% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 2,262 |
| Noncurrent loans to loans | 1.4497% | 931 |
| Net loans and leases to total assets | 30.0792% | 4,749 |
| Net loans and leases to deposits | 36.5745% | 4,733 |
| Net loans and leases to core deposits | 38.3939% | 4,731 |
| Total domestic deposits to total assets | 82.2407% | 3,609 |
| Equity capital to assets | 12.4239% | 1,358 |
| Core capital (leverage) ratio | 11.1513% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0748% | 319 |
| Memoranda: | ||
| Average total assets | $65,867,600 | 4,432 |
| Average earning assets | $61,924,000 | 4,420 |
| Average equity | $8,607,800 | 4,360 |
| Average total loans | $20,354,200 | 4,706 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1029% | 4,664 |
| Cost of funding earning assets | 0.4417% | 3,577 |
| Net interest margin | 2.6612% | 4,508 |
| Noninterest income to average assets | 0.3325% | 3,492 |
| Noninterest expense to average assets | 2.1068% | 3,929 |
| Loan and lease loss provision to assets | 0.0310% | 3,947 |
| Net operating income to assets | 0.6548% | 3,613 |
| Return on assets (ROA) | 0.6548% | 3,715 |
| Pretax return on assets | 0.6961% | 3,911 |
| Return on Equity (ROE) | 4.9431% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.9431% | 2,583 |
| Net charge-offs to loans | 0.0333% | 2,162 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 70.4000% | 990 |
| Efficiency ratio | 74.3440% | 1,376 |
| Assets per employee ($millions) | 5.0656% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 4,101 |
| Loan loss allowance to noncurrent loans | 109.0395% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,186 |
| Noncurrent loans to loans | 0.8175% | 1,785 |
| Net loans and leases to total assets | 30.2575% | 4,815 |
| Net loans and leases to deposits | 36.9927% | 4,810 |
| Net loans and leases to core deposits | 38.8422% | 4,812 |
| Total domestic deposits to total assets | 81.7931% | 3,473 |
| Equity capital to assets | 12.5864% | 1,383 |
| Core capital (leverage) ratio | 12.1454% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4151% | 251 |
| Memoranda: | ||
| Average total assets | $64,552,250 | 4,465 |
| Average earning assets | $60,673,000 | 4,449 |
| Average equity | $8,550,500 | 4,385 |
| Average total loans | $20,045,000 | 4,747 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1568% | 4,750 |
| Cost of funding earning assets | 0.4699% | 3,703 |
| Net interest margin | 2.6869% | 4,568 |
| Noninterest income to average assets | 0.3460% | 3,402 |
| Noninterest expense to average assets | 2.1304% | 3,969 |
| Loan and lease loss provision to assets | 0.0481% | 3,698 |
| Net operating income to assets | 0.6535% | 3,571 |
| Return on assets (ROA) | 0.6535% | 3,663 |
| Pretax return on assets | 0.6952% | 3,881 |
| Return on Equity (ROE) | 4.8425% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.8425% | 2,549 |
| Net charge-offs to loans | 0.0513% | 1,754 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 1,158 |
| Efficiency ratio | 74.1360% | 1,448 |
| Assets per employee ($millions) | 4.7359% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 3,773 |
| Loan loss allowance to noncurrent loans | 90.6103% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,030 |
| Noncurrent loans to loans | 1.0547% | 1,482 |
| Net loans and leases to total assets | 30.1691% | 4,855 |
| Net loans and leases to deposits | 37.2620% | 4,842 |
| Net loans and leases to core deposits | 39.1640% | 4,837 |
| Total domestic deposits to total assets | 80.9647% | 3,617 |
| Equity capital to assets | 13.3207% | 1,035 |
| Core capital (leverage) ratio | 12.9773% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1169% | 213 |
| Memoranda: | ||
| Average total assets | $62,430,333 | 4,505 |
| Average earning assets | $58,729,667 | 4,480 |
| Average equity | $8,425,333 | 4,417 |
| Average total loans | $19,509,667 | 4,785 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 4,858 |
| Cost of funding earning assets | 0.4977% | 3,956 |
| Net interest margin | 2.7267% | 4,642 |
| Noninterest income to average assets | 0.3372% | 3,499 |
| Noninterest expense to average assets | 2.2217% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6480% | 3,452 |
| Return on assets (ROA) | 0.6480% | 3,513 |
| Pretax return on assets | 0.6877% | 3,720 |
| Return on Equity (ROE) | 4.7677% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.7677% | 2,384 |
| Net charge-offs to loans | -0.0626% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3636% | 1,523 |
| Assets per employee ($millions) | 4.3318% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,699 |
| Loan loss allowance to noncurrent loans | 67.6364% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,652 |
| Noncurrent loans to loans | 1.4801% | 1,080 |
| Net loans and leases to total assets | 30.3306% | 4,904 |
| Net loans and leases to deposits | 35.3364% | 4,913 |
| Net loans and leases to core deposits | 36.9647% | 4,916 |
| Total domestic deposits to total assets | 85.8340% | 2,068 |
| Equity capital to assets | 13.4916% | 1,221 |
| Core capital (leverage) ratio | 13.4236% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9621% | 213 |
| Memoranda: | ||
| Average total assets | $60,494,000 | 4,550 |
| Average earning assets | $57,064,500 | 4,527 |
| Average equity | $8,222,000 | 4,466 |
| Average total loans | $19,166,500 | 4,824 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 4,891 |
| Cost of funding earning assets | 0.5011% | 4,087 |
| Net interest margin | 2.9415% | 4,601 |
| Noninterest income to average assets | 0.4117% | 3,223 |
| Noninterest expense to average assets | 2.3393% | 3,850 |
| Loan and lease loss provision to assets | 0.0425% | 3,159 |
| Net operating income to assets | 0.7001% | 3,867 |
| Return on assets (ROA) | 0.6941% | 3,946 |
| Pretax return on assets | 0.7894% | 3,992 |
| Return on Equity (ROE) | 5.0541% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.3289% | 3,860 |
| Net charge-offs to loans | -0.0365% | 4,756 |
| Credit loss provision to net charge-offs | -357.1429% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6081% | 1,653 |
| Assets per employee ($millions) | 4.3102% | 3,493 |
| Cash dividends to net income (ytd only)* | 53.9216% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 3,855 |
| Loan loss allowance to noncurrent loans | 181.1881% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,810 |
| Noncurrent loans to loans | 0.5113% | 2,656 |
| Net loans and leases to total assets | 32.4313% | 4,928 |
| Net loans and leases to deposits | 37.9418% | 4,940 |
| Net loans and leases to core deposits | 39.7143% | 4,951 |
| Total domestic deposits to total assets | 85.4764% | 2,303 |
| Equity capital to assets | 13.6917% | 1,216 |
| Core capital (leverage) ratio | 12.7910% | 1,336 |
| Tier 1 risk-based capital ratio | 32.4058% | 405 |
| Total risk-based capital ratio | 33.1406% | 412 |
| Memoranda: | ||
| Average total assets | $58,777,200 | 4,617 |
| Average earning assets | $55,277,800 | 4,598 |
| Average equity | $8,072,600 | 4,500 |
| Average total loans | $19,165,200 | 4,882 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 4,991 |
| Cost of funding earning assets | 0.5005% | 4,141 |
| Net interest margin | 2.9448% | 4,703 |
| Noninterest income to average assets | 0.3129% | 3,876 |
| Noninterest expense to average assets | 2.3201% | 3,901 |
| Loan and lease loss provision to assets | 0.0571% | 2,754 |
| Net operating income to assets | 0.6339% | 4,201 |
| Return on assets (ROA) | 0.6257% | 4,278 |
| Pretax return on assets | 0.6942% | 4,356 |
| Return on Equity (ROE) | 4.5521% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.5521% | 3,121 |
| Net charge-offs to loans | -0.0421% | 4,794 |
| Credit loss provision to net charge-offs | -416.6667% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3150% | 1,412 |
| Assets per employee ($millions) | 4.2392% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,021 |
| Loan loss allowance to noncurrent loans | 98.9130% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,301 |
| Noncurrent loans to loans | 0.9149% | 1,748 |
| Net loans and leases to total assets | 33.5810% | 4,996 |
| Net loans and leases to deposits | 39.4076% | 5,012 |
| Net loans and leases to core deposits | 41.2946% | 5,004 |
| Total domestic deposits to total assets | 85.2146% | 2,338 |
| Equity capital to assets | 14.0508% | 1,132 |
| Core capital (leverage) ratio | 13.8951% | 1,012 |
| Tier 1 risk-based capital ratio | 31.4129% | 439 |
| Total risk-based capital ratio | 32.1138% | 448 |
| Memoranda: | ||
| Average total assets | $58,385,750 | 4,685 |
| Average earning assets | $54,875,500 | 4,667 |
| Average equity | $8,025,250 | 4,553 |
| Average total loans | $19,018,250 | 4,958 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 5,067 |
| Cost of funding earning assets | 0.4946% | 4,138 |
| Net interest margin | 2.9273% | 4,786 |
| Noninterest income to average assets | 0.3203% | 3,787 |
| Noninterest expense to average assets | 2.3629% | 3,840 |
| Loan and lease loss provision to assets | 0.0861% | 2,122 |
| Net operating income to assets | 0.5671% | 4,391 |
| Return on assets (ROA) | 0.5546% | 4,447 |
| Pretax return on assets | 0.6097% | 4,526 |
| Return on Equity (ROE) | 4.0653% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.0653% | 3,214 |
| Net charge-offs to loans | -0.0214% | 4,560 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9058% | 1,281 |
| Assets per employee ($millions) | 3.8711% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 4,060 |
| Loan loss allowance to noncurrent loans | 114.1026% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,482 |
| Noncurrent loans to loans | 0.7949% | 2,005 |
| Net loans and leases to total assets | 33.4912% | 5,038 |
| Net loans and leases to deposits | 39.3704% | 5,061 |
| Net loans and leases to core deposits | 40.8619% | 5,068 |
| Total domestic deposits to total assets | 85.0670% | 2,444 |
| Equity capital to assets | 14.1563% | 1,066 |
| Core capital (leverage) ratio | 13.8891% | 1,002 |
| Tier 1 risk-based capital ratio | 31.7982% | 425 |
| Total risk-based capital ratio | 32.5019% | 439 |
| Memoranda: | ||
| Average total assets | $58,064,670 | 4,725 |
| Average earning assets | $54,590,330 | 4,704 |
| Average equity | $7,920,670 | 4,590 |
| Average total loans | $18,653,670 | 5,008 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 5,113 |
| Cost of funding earning assets | 0.4620% | 4,234 |
| Net interest margin | 2.9331% | 4,846 |
| Noninterest income to average assets | 0.3100% | 3,797 |
| Noninterest expense to average assets | 2.3422% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6338% | 4,141 |
| Return on assets (ROA) | 0.6338% | 4,182 |
| Pretax return on assets | 0.7233% | 4,247 |
| Return on Equity (ROE) | 4.7356% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.7356% | 3,028 |
| Net charge-offs to loans | -0.0661% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 1,458 |
| Assets per employee ($millions) | 3.8919% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,298 |
| Loan loss allowance to noncurrent loans | 149.5146% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,934 |
| Noncurrent loans to loans | 0.5754% | 2,602 |
| Net loans and leases to total assets | 30.4002% | 5,144 |
| Net loans and leases to deposits | 35.4224% | 5,157 |
| Net loans and leases to core deposits | 36.7402% | 5,164 |
| Total domestic deposits to total assets | 85.8217% | 2,350 |
| Equity capital to assets | 13.5496% | 1,190 |
| Core capital (leverage) ratio | 13.6617% | 1,044 |
| Tier 1 risk-based capital ratio | 32.3753% | 402 |
| Total risk-based capital ratio | 33.0004% | 414 |
| Memoranda: | ||
| Average total assets | $58,064,000 | 4,775 |
| Average earning assets | $54,549,000 | 4,758 |
| Average equity | $7,771,000 | 4,642 |
| Average total loans | $18,168,000 | 5,072 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2586% | 5,109 |
| Cost of funding earning assets | 0.4014% | 3,980 |
| Net interest margin | 2.8572% | 4,966 |
| Noninterest income to average assets | 0.4259% | 3,272 |
| Noninterest expense to average assets | 2.4374% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6227% | 4,359 |
| Return on assets (ROA) | 0.6243% | 4,357 |
| Pretax return on assets | 0.6807% | 4,458 |
| Return on Equity (ROE) | 4.8515% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.3261% | 4,225 |
| Net charge-offs to loans | 0.0175% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 132.3333% | 613 |
| Efficiency ratio | 78.2108% | 1,105 |
| Assets per employee ($millions) | 3.6094% | 4,439 |
| Cash dividends to net income (ytd only)* | 52.0548% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,465 |
| Loan loss allowance to noncurrent loans | 102.0270% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,561 |
| Noncurrent loans to loans | 0.8028% | 1,998 |
| Net loans and leases to total assets | 31.6606% | 5,176 |
| Net loans and leases to deposits | 36.5191% | 5,185 |
| Net loans and leases to core deposits | 37.8755% | 5,193 |
| Total domestic deposits to total assets | 86.6961% | 1,917 |
| Equity capital to assets | 13.2156% | 1,248 |
| Core capital (leverage) ratio | 13.1259% | 1,197 |
| Tier 1 risk-based capital ratio | 31.6307% | 402 |
| Total risk-based capital ratio | 32.2366% | 422 |
| Memoranda: | ||
| Average total assets | $58,465,000 | 4,792 |
| Average earning assets | $55,054,800 | 4,770 |
| Average equity | $7,523,400 | 4,675 |
| Average total loans | $17,110,600 | 5,148 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2222% | 5,184 |
| Cost of funding earning assets | 0.3955% | 3,895 |
| Net interest margin | 2.8267% | 5,057 |
| Noninterest income to average assets | 0.3297% | 3,946 |
| Noninterest expense to average assets | 2.3940% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5502% | 4,645 |
| Return on assets (ROA) | 0.5502% | 4,653 |
| Pretax return on assets | 0.6002% | 4,727 |
| Return on Equity (ROE) | 4.3043% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.3043% | 3,609 |
| Net charge-offs to loans | 0.0159% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 131.8315% | 617 |
| Efficiency ratio | 79.9544% | 946 |
| Assets per employee ($millions) | 3.6138% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 4,384 |
| Loan loss allowance to noncurrent loans | 150.4950% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 4,079 |
| Noncurrent loans to loans | 0.5752% | 2,652 |
| Net loans and leases to total assets | 30.1038% | 5,276 |
| Net loans and leases to deposits | 34.6381% | 5,292 |
| Net loans and leases to core deposits | 35.9146% | 5,300 |
| Total domestic deposits to total assets | 86.9094% | 1,773 |
| Equity capital to assets | 12.9903% | 1,347 |
| Core capital (leverage) ratio | 13.7024% | 1,032 |
| Tier 1 risk-based capital ratio | 29.5704% | 500 |
| Total risk-based capital ratio | 30.1358% | 517 |
| Memoranda: | ||
| Average total assets | $58,643,750 | 4,838 |
| Average earning assets | $55,281,500 | 4,817 |
| Average equity | $7,496,250 | 4,727 |
| Average total loans | $16,779,500 | 5,216 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1853% | 5,239 |
| Cost of funding earning assets | 0.3851% | 3,835 |
| Net interest margin | 2.8002% | 5,119 |
| Noninterest income to average assets | 0.3225% | 4,029 |
| Noninterest expense to average assets | 2.3592% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5533% | 4,626 |
| Return on assets (ROA) | 0.5533% | 4,627 |
| Pretax return on assets | 0.6042% | 4,731 |
| Return on Equity (ROE) | 4.3517% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.3517% | 3,426 |
| Net charge-offs to loans | 0.0726% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,512 |
| Efficiency ratio | 79.6105% | 1,054 |
| Assets per employee ($millions) | 3.5951% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,438 |
| Loan loss allowance to noncurrent loans | 45.3988% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,531 |
| Noncurrent loans to loans | 1.9327% | 793 |
| Net loans and leases to total assets | 29.0671% | 5,345 |
| Net loans and leases to deposits | 33.7887% | 5,349 |
| Net loans and leases to core deposits | 34.6134% | 5,361 |
| Total domestic deposits to total assets | 86.0262% | 2,265 |
| Equity capital to assets | 13.0037% | 1,290 |
| Core capital (leverage) ratio | 13.4531% | 1,076 |
| Tier 1 risk-based capital ratio | 33.6396% | 357 |
| Total risk-based capital ratio | 34.2722% | 366 |
| Memoranda: | ||
| Average total assets | $58,918,330 | 4,891 |
| Average earning assets | $55,567,670 | 4,868 |
| Average equity | $7,491,330 | 4,776 |
| Average total loans | $16,520,000 | 5,282 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 5,302 |
| Cost of funding earning assets | 0.3701% | 3,829 |
| Net interest margin | 2.7476% | 5,213 |
| Noninterest income to average assets | 0.3422% | 3,860 |
| Noninterest expense to average assets | 2.3014% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5837% | 4,470 |
| Return on assets (ROA) | 0.5837% | 4,479 |
| Pretax return on assets | 0.6307% | 4,613 |
| Return on Equity (ROE) | 4.6419% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.6419% | 3,342 |
| Net charge-offs to loans | 0.0979% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,379 |
| Efficiency ratio | 78.4897% | 1,307 |
| Assets per employee ($millions) | 3.9275% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 4,280 |
| Loan loss allowance to noncurrent loans | 33.2594% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,038 |
| Noncurrent loans to loans | 2.8119% | 446 |
| Net loans and leases to total assets | 26.9703% | 5,424 |
| Net loans and leases to deposits | 31.0453% | 5,434 |
| Net loans and leases to core deposits | 31.7755% | 5,438 |
| Total domestic deposits to total assets | 86.8739% | 2,176 |
| Equity capital to assets | 12.5914% | 1,432 |
| Core capital (leverage) ratio | 13.1050% | 1,139 |
| Tier 1 risk-based capital ratio | 30.7957% | 448 |
| Total risk-based capital ratio | 31.3883% | 459 |
| Memoranda: | ||
| Average total assets | $59,616,500 | 4,936 |
| Average earning assets | $56,194,500 | 4,908 |
| Average equity | $7,497,000 | 4,821 |
| Average total loans | $16,346,000 | 5,343 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 5,262 |
| Cost of funding earning assets | 0.3601% | 3,617 |
| Net interest margin | 2.7663% | 5,213 |
| Noninterest income to average assets | 0.4005% | 3,634 |
| Noninterest expense to average assets | 2.2096% | 4,509 |
| Loan and lease loss provision to assets | 0.0745% | 2,713 |
| Net operating income to assets | 0.7928% | 3,196 |
| Return on assets (ROA) | 0.8309% | 3,062 |
| Pretax return on assets | 0.7614% | 4,362 |
| Return on Equity (ROE) | 6.6679% | 3,444 |
| Retained earnings to average equity (ytd only) | 3.8785% | 2,881 |
| Net charge-offs to loans | 0.1929% | 1,320 |
| Credit loss provision to net charge-offs | 132.3529% | 1,995 |
| Earnings coverage of net charge-offs (x) | 14.1765% | 2,345 |
| Efficiency ratio | 73.4728% | 1,988 |
| Assets per employee ($millions) | 4.0213% | 3,928 |
| Cash dividends to net income (ytd only)* | 41.8327% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,345 |
| Loan loss allowance to noncurrent loans | 27.5000% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,665 |
| Noncurrent loans to loans | 3.3628% | 308 |
| Net loans and leases to total assets | 27.3525% | 5,484 |
| Net loans and leases to deposits | 31.6139% | 5,498 |
| Net loans and leases to core deposits | 32.3427% | 5,502 |
| Total domestic deposits to total assets | 86.5202% | 2,222 |
| Equity capital to assets | 12.5597% | 1,483 |
| Core capital (leverage) ratio | 12.2169% | 1,489 |
| Tier 1 risk-based capital ratio | 31.0806% | 415 |
| Total risk-based capital ratio | 31.7016% | 441 |
| Memoranda: | ||
| Average total assets | $60,417,200 | 4,957 |
| Average earning assets | $56,936,200 | 4,931 |
| Average equity | $7,528,600 | 4,856 |
| Average total loans | $17,624,400 | 5,370 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 5,291 |
| Cost of funding earning assets | 0.3559% | 3,611 |
| Net interest margin | 2.7958% | 5,225 |
| Noninterest income to average assets | 0.3044% | 4,356 |
| Noninterest expense to average assets | 2.1684% | 4,595 |
| Loan and lease loss provision to assets | 0.0993% | 2,127 |
| Net operating income to assets | 0.6234% | 4,301 |
| Return on assets (ROA) | 0.6706% | 4,176 |
| Pretax return on assets | 0.7213% | 4,556 |
| Return on Equity (ROE) | 5.3922% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.3922% | 2,612 |
| Net charge-offs to loans | 0.1865% | 1,125 |
| Credit loss provision to net charge-offs | 180.0000% | 1,475 |
| Earnings coverage of net charge-offs (x) | 13.9610% | 2,323 |
| Efficiency ratio | 73.7988% | 1,927 |
| Assets per employee ($millions) | 4.1717% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 4,476 |
| Loan loss allowance to noncurrent loans | 326.0000% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,839 |
| Noncurrent loans to loans | 0.2816% | 3,939 |
| Net loans and leases to total assets | 28.1098% | 5,532 |
| Net loans and leases to deposits | 32.3584% | 5,556 |
| Net loans and leases to core deposits | 33.1868% | 5,562 |
| Total domestic deposits to total assets | 86.8704% | 1,919 |
| Equity capital to assets | 12.3897% | 1,725 |
| Core capital (leverage) ratio | 12.2867% | 1,520 |
| Tier 1 risk-based capital ratio | 32.3513% | 404 |
| Total risk-based capital ratio | 33.0364% | 421 |
| Memoranda: | ||
| Average total assets | $60,441,500 | 5,011 |
| Average earning assets | $56,940,500 | 4,986 |
| Average equity | $7,516,750 | 4,908 |
| Average total loans | $17,867,250 | 5,422 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1330% | 5,321 |
| Cost of funding earning assets | 0.3414% | 3,672 |
| Net interest margin | 2.7916% | 5,260 |
| Noninterest income to average assets | 0.3114% | 4,309 |
| Noninterest expense to average assets | 2.1664% | 4,633 |
| Loan and lease loss provision to assets | 0.1507% | 1,344 |
| Net operating income to assets | 0.5802% | 4,388 |
| Return on assets (ROA) | 0.5927% | 4,386 |
| Pretax return on assets | 0.6362% | 4,729 |
| Return on Equity (ROE) | 4.7593% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.7593% | 2,880 |
| Net charge-offs to loans | 0.3239% | 628 |
| Credit loss provision to net charge-offs | 155.1724% | 1,494 |
| Earnings coverage of net charge-offs (x) | 7.9655% | 2,553 |
| Efficiency ratio | 73.6902% | 2,070 |
| Assets per employee ($millions) | 4.1455% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,720 |
| Loan loss allowance to noncurrent loans | 115.2174% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 4,266 |
| Noncurrent loans to loans | 0.7626% | 2,487 |
| Net loans and leases to total assets | 28.8444% | 5,571 |
| Net loans and leases to deposits | 33.3110% | 5,585 |
| Net loans and leases to core deposits | 35.3865% | 5,578 |
| Total domestic deposits to total assets | 86.5910% | 2,134 |
| Equity capital to assets | 12.3701% | 1,688 |
| Core capital (leverage) ratio | 12.3983% | 1,418 |
| Tier 1 risk-based capital ratio | 30.4411% | 447 |
| Total risk-based capital ratio | 31.0804% | 464 |
| Memoranda: | ||
| Average total assets | $59,730,000 | 5,060 |
| Average earning assets | $56,240,670 | 5,042 |
| Average equity | $7,438,000 | 4,938 |
| Average total loans | $17,905,330 | 5,468 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1272% | 5,337 |
| Cost of funding earning assets | 0.3353% | 3,697 |
| Net interest margin | 2.7919% | 5,256 |
| Noninterest income to average assets | 0.3350% | 4,162 |
| Noninterest expense to average assets | 2.4067% | 4,091 |
| Loan and lease loss provision to assets | 0.3077% | 421 |
| Net operating income to assets | 0.2188% | 5,369 |
| Return on assets (ROA) | 0.2188% | 5,380 |
| Pretax return on assets | 0.2393% | 5,389 |
| Return on Equity (ROE) | 1.7508% | 5,377 |
| Retained earnings to average equity (ytd only) | 1.7508% | 4,413 |
| Net charge-offs to loans | 0.7411% | 233 |
| Credit loss provision to net charge-offs | 136.3636% | 1,275 |
| Earnings coverage of net charge-offs (x) | 2.4242% | 2,591 |
| Efficiency ratio | 81.4815% | 1,207 |
| Assets per employee ($millions) | 3.7152% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,876 |
| Loan loss allowance to noncurrent loans | 49.5208% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 3,126 |
| Noncurrent loans to loans | 1.7510% | 1,084 |
| Net loans and leases to total assets | 29.8101% | 5,592 |
| Net loans and leases to deposits | 34.7546% | 5,607 |
| Net loans and leases to core deposits | 37.2801% | 5,591 |
| Total domestic deposits to total assets | 85.7729% | 2,766 |
| Equity capital to assets | 12.3698% | 1,622 |
| Core capital (leverage) ratio | 12.4370% | 1,368 |
| Tier 1 risk-based capital ratio | 26.7572% | 643 |
| Total risk-based capital ratio | 27.3306% | 672 |
| Memoranda: | ||
| Average total assets | $58,504,000 | 5,142 |
| Average earning assets | $54,872,500 | 5,126 |
| Average equity | $7,311,000 | 4,995 |
| Average total loans | $17,810,500 | 5,527 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 5,342 |
| Cost of funding earning assets | 0.3300% | 3,747 |
| Net interest margin | 2.8372% | 5,228 |
| Noninterest income to average assets | 0.4199% | 3,741 |
| Noninterest expense to average assets | 2.3903% | 4,322 |
| Loan and lease loss provision to assets | 0.1532% | 1,637 |
| Net operating income to assets | 0.5145% | 4,573 |
| Return on assets (ROA) | 0.6970% | 3,902 |
| Pretax return on assets | 0.7503% | 4,340 |
| Return on Equity (ROE) | 5.3978% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.7322% | 3,957 |
| Net charge-offs to loans | 0.4227% | 616 |
| Credit loss provision to net charge-offs | 118.6667% | 2,237 |
| Earnings coverage of net charge-offs (x) | 5.4800% | 3,333 |
| Efficiency ratio | 77.1667% | 1,817 |
| Assets per employee ($millions) | 3.5978% | 4,611 |
| Cash dividends to net income (ytd only)* | 49.3827% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 5,090 |
| Loan loss allowance to noncurrent loans | 19.2463% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 1,367 |
| Noncurrent loans to loans | 4.1869% | 236 |
| Net loans and leases to total assets | 30.5793% | 5,632 |
| Net loans and leases to deposits | 35.6488% | 5,644 |
| Net loans and leases to core deposits | 36.6538% | 5,665 |
| Total domestic deposits to total assets | 85.7796% | 2,688 |
| Equity capital to assets | 12.6275% | 1,443 |
| Core capital (leverage) ratio | 12.6094% | 1,297 |
| Tier 1 risk-based capital ratio | 30.6920% | 453 |
| Total risk-based capital ratio | 31.2855% | 476 |
| Memoranda: | ||
| Average total assets | $58,108,800 | 5,187 |
| Average earning assets | $54,842,400 | 5,154 |
| Average equity | $7,503,000 | 5,006 |
| Average total loans | $17,741,800 | 5,584 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 5,415 |
| Cost of funding earning assets | 0.3337% | 3,732 |
| Net interest margin | 2.8293% | 5,306 |
| Noninterest income to average assets | 0.3502% | 4,283 |
| Noninterest expense to average assets | 2.3670% | 4,363 |
| Loan and lease loss provision to assets | 0.0824% | 2,560 |
| Net operating income to assets | 0.5376% | 4,547 |
| Return on assets (ROA) | 0.7760% | 3,623 |
| Pretax return on assets | 0.8355% | 4,202 |
| Return on Equity (ROE) | 5.9775% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.9775% | 2,195 |
| Net charge-offs to loans | 0.1954% | 1,198 |
| Credit loss provision to net charge-offs | 138.4615% | 1,883 |
| Earnings coverage of net charge-offs (x) | 11.1139% | 2,526 |
| Efficiency ratio | 78.1557% | 1,669 |
| Assets per employee ($millions) | 3.5762% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7602% | 5,301 |
| Loan loss allowance to noncurrent loans | 53.8760% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 3,612 |
| Noncurrent loans to loans | 1.4111% | 1,551 |
| Net loans and leases to total assets | 31.7115% | 5,685 |
| Net loans and leases to deposits | 37.7149% | 5,685 |
| Net loans and leases to core deposits | 38.5711% | 5,710 |
| Total domestic deposits to total assets | 84.0822% | 3,191 |
| Equity capital to assets | 13.5479% | 1,228 |
| Core capital (leverage) ratio | 12.9414% | 1,211 |
| Tier 1 risk-based capital ratio | 29.9837% | 478 |
| Total risk-based capital ratio | 30.5373% | 509 |
| Memoranda: | ||
| Average total assets | $58,244,750 | 5,229 |
| Average earning assets | $55,135,000 | 5,190 |
| Average equity | $7,561,500 | 5,054 |
| Average total loans | $17,740,750 | 5,640 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 5,503 |
| Cost of funding earning assets | 0.3312% | 3,783 |
| Net interest margin | 2.8115% | 5,408 |
| Noninterest income to average assets | 0.3038% | 4,618 |
| Noninterest expense to average assets | 2.3009% | 4,611 |
| Loan and lease loss provision to assets | 0.0853% | 2,443 |
| Net operating income to assets | 0.5392% | 4,524 |
| Return on assets (ROA) | 0.8910% | 3,033 |
| Pretax return on assets | 0.9661% | 3,720 |
| Return on Equity (ROE) | 6.9619% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.9619% | 1,626 |
| Net charge-offs to loans | 0.1025% | 1,805 |
| Credit loss provision to net charge-offs | 277.7778% | 1,014 |
| Earnings coverage of net charge-offs (x) | 21.7778% | 1,660 |
| Efficiency ratio | 77.4713% | 1,862 |
| Assets per employee ($millions) | 3.6341% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 5,287 |
| Loan loss allowance to noncurrent loans | 88.4146% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 4,366 |
| Noncurrent loans to loans | 0.9031% | 2,479 |
| Net loans and leases to total assets | 30.9824% | 5,762 |
| Net loans and leases to deposits | 36.5268% | 5,776 |
| Net loans and leases to core deposits | 37.7919% | 5,789 |
| Total domestic deposits to total assets | 84.8210% | 2,956 |
| Equity capital to assets | 13.2425% | 1,358 |
| Core capital (leverage) ratio | 12.6070% | 1,301 |
| Tier 1 risk-based capital ratio | 30.0913% | 490 |
| Total risk-based capital ratio | 30.6770% | 514 |
| Memoranda: | ||
| Average total assets | $58,586,670 | 5,273 |
| Average earning assets | $55,556,670 | 5,235 |
| Average equity | $7,498,000 | 5,109 |
| Average total loans | $17,559,670 | 5,715 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1403% | 5,564 |
| Cost of funding earning assets | 0.3298% | 3,849 |
| Net interest margin | 2.8105% | 5,458 |
| Noninterest income to average assets | 0.3129% | 4,495 |
| Noninterest expense to average assets | 2.3467% | 4,527 |
| Loan and lease loss provision to assets | 0.0204% | 3,422 |
| Net operating income to assets | 0.5711% | 4,309 |
| Return on assets (ROA) | 0.7482% | 3,597 |
| Pretax return on assets | 0.8026% | 4,185 |
| Return on Equity (ROE) | 5.9484% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.9484% | 2,400 |
| Net charge-offs to loans | 0.0695% | 1,785 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,166 |
| Efficiency ratio | 78.7671% | 1,789 |
| Assets per employee ($millions) | 3.7334% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 5,550 |
| Loan loss allowance to noncurrent loans | 67.1875% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 4,283 |
| Noncurrent loans to loans | 1.0797% | 2,238 |
| Net loans and leases to total assets | 29.5522% | 5,838 |
| Net loans and leases to deposits | 36.1120% | 5,826 |
| Net loans and leases to core deposits | 36.9124% | 5,840 |
| Total domestic deposits to total assets | 81.8348% | 4,274 |
| Equity capital to assets | 12.5555% | 1,650 |
| Core capital (leverage) ratio | 12.4904% | 1,343 |
| Tier 1 risk-based capital ratio | 28.7306% | 564 |
| Total risk-based capital ratio | 29.2383% | 597 |
| Memoranda: | ||
| Average total assets | $58,807,000 | 5,317 |
| Average earning assets | $55,791,000 | 5,273 |
| Average equity | $7,397,000 | 5,154 |
| Average total loans | $17,259,500 | 5,782 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 5,673 |
| Cost of funding earning assets | 0.3967% | 3,196 |
| Net interest margin | 2.6697% | 5,683 |
| Noninterest income to average assets | 0.4219% | 3,875 |
| Noninterest expense to average assets | 2.3879% | 4,543 |
| Loan and lease loss provision to assets | 0.0307% | 3,754 |
| Net operating income to assets | 0.4756% | 4,788 |
| Return on assets (ROA) | 0.5534% | 4,577 |
| Pretax return on assets | 0.5927% | 4,862 |
| Return on Equity (ROE) | 4.4600% | 4,761 |
| Retained earnings to average equity (ytd only) | 2.3952% | 4,350 |
| Net charge-offs to loans | 0.0062% | 4,237 |
| Credit loss provision to net charge-offs | 1,800.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 225 |
| Efficiency ratio | 81.5636% | 1,466 |
| Assets per employee ($millions) | 3.8586% | 4,192 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 5,484 |
| Loan loss allowance to noncurrent loans | 1,612.5000% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,645 |
| Noncurrent loans to loans | 0.0478% | 5,327 |
| Net loans and leases to total assets | 28.6943% | 5,925 |
| Net loans and leases to deposits | 33.5556% | 5,939 |
| Net loans and leases to core deposits | 34.5950% | 5,954 |
| Total domestic deposits to total assets | 85.5129% | 2,851 |
| Equity capital to assets | 12.6022% | 1,564 |
| Core capital (leverage) ratio | 12.0651% | 1,580 |
| Tier 1 risk-based capital ratio | 29.4041% | 535 |
| Total risk-based capital ratio | 29.9317% | 558 |
| Memoranda: | ||
| Average total assets | $58,544,000 | 5,354 |
| Average earning assets | $54,949,200 | 5,322 |
| Average equity | $7,264,600 | 5,196 |
| Average total loans | $16,243,400 | 5,857 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0422% | 5,770 |
| Cost of funding earning assets | 0.4169% | 3,041 |
| Net interest margin | 2.6253% | 5,808 |
| Noninterest income to average assets | 0.3588% | 4,372 |
| Noninterest expense to average assets | 2.3232% | 4,726 |
| Loan and lease loss provision to assets | 0.0341% | 3,542 |
| Net operating income to assets | 0.4300% | 5,050 |
| Return on assets (ROA) | 0.5314% | 4,771 |
| Pretax return on assets | 0.5700% | 5,049 |
| Return on Equity (ROE) | 4.2990% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.2990% | 3,407 |
| Net charge-offs to loans | 0.0083% | 3,879 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 218.5414% | 329 |
| Efficiency ratio | 82.4335% | 1,339 |
| Assets per employee ($millions) | 3.5893% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 5,648 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 4,969 |
| Noncurrent loans to loans | 0.6541% | 3,368 |
| Net loans and leases to total assets | 29.5983% | 5,986 |
| Net loans and leases to deposits | 34.4284% | 6,011 |
| Net loans and leases to core deposits | 35.7334% | 6,018 |
| Total domestic deposits to total assets | 85.9705% | 2,535 |
| Equity capital to assets | 12.7706% | 1,579 |
| Core capital (leverage) ratio | 12.4063% | 1,460 |
| Tier 1 risk-based capital ratio | 30.1276% | 518 |
| Total risk-based capital ratio | 30.6513% | 545 |
| Memoranda: | ||
| Average total assets | $58,710,250 | 5,417 |
| Average earning assets | $55,002,250 | 5,386 |
| Average equity | $7,257,250 | 5,264 |
| Average total loans | $16,120,000 | 5,933 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0347% | 5,825 |
| Cost of funding earning assets | 0.4619% | 2,592 |
| Net interest margin | 2.5728% | 5,909 |
| Noninterest income to average assets | 0.3450% | 4,490 |
| Noninterest expense to average assets | 2.2862% | 4,878 |
| Loan and lease loss provision to assets | 0.0406% | 3,304 |
| Net operating income to assets | 0.4003% | 5,134 |
| Return on assets (ROA) | 0.5513% | 4,661 |
| Pretax return on assets | 0.5918% | 4,995 |
| Return on Equity (ROE) | 4.5079% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.5079% | 3,151 |
| Net charge-offs to loans | -0.0253% | 5,256 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9448% | 1,381 |
| Assets per employee ($millions) | 3.6588% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 5,615 |
| Loan loss allowance to noncurrent loans | 122.3301% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 5,163 |
| Noncurrent loans to loans | 0.6483% | 3,531 |
| Net loans and leases to total assets | 26.9247% | 6,118 |
| Net loans and leases to deposits | 31.8875% | 6,122 |
| Net loans and leases to core deposits | 33.2090% | 6,120 |
| Total domestic deposits to total assets | 84.4365% | 3,378 |
| Equity capital to assets | 12.3572% | 1,765 |
| Core capital (leverage) ratio | 12.2327% | 1,520 |
| Tier 1 risk-based capital ratio | 30.3574% | 521 |
| Total risk-based capital ratio | 30.8903% | 553 |
| Memoranda: | ||
| Average total assets | $59,137,330 | 5,464 |
| Average earning assets | $55,425,670 | 5,427 |
| Average equity | $7,231,670 | 5,312 |
| Average total loans | $15,785,330 | 6,012 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 5,880 |
| Cost of funding earning assets | 0.5656% | 1,700 |
| Net interest margin | 2.4485% | 6,070 |
| Noninterest income to average assets | 0.3432% | 4,452 |
| Noninterest expense to average assets | 2.3488% | 4,747 |
| Loan and lease loss provision to assets | 0.0606% | 2,718 |
| Net operating income to assets | 0.2178% | 5,636 |
| Return on assets (ROA) | 0.5182% | 4,713 |
| Pretax return on assets | 0.5586% | 5,029 |
| Return on Equity (ROE) | 4.2597% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.2597% | 3,459 |
| Net charge-offs to loans | -0.0508% | 5,520 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8041% | 954 |
| Assets per employee ($millions) | 3.6324% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 5,721 |
| Loan loss allowance to noncurrent loans | 90.4412% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,996 |
| Noncurrent loans to loans | 0.8736% | 3,062 |
| Net loans and leases to total assets | 26.5748% | 6,177 |
| Net loans and leases to deposits | 31.0946% | 6,177 |
| Net loans and leases to core deposits | 32.5178% | 6,177 |
| Total domestic deposits to total assets | 85.4643% | 3,194 |
| Equity capital to assets | 12.5209% | 1,680 |
| Core capital (leverage) ratio | 11.9434% | 1,675 |
| Tier 1 risk-based capital ratio | 30.3700% | 524 |
| Total risk-based capital ratio | 30.9010% | 548 |
| Memoranda: | ||
| Average total assets | $59,435,500 | 5,511 |
| Average earning assets | $55,871,000 | 5,470 |
| Average equity | $7,230,500 | 5,359 |
| Average total loans | $15,734,000 | 6,062 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 5,997 |
| Cost of funding earning assets | 0.5157% | 2,526 |
| Net interest margin | 2.5465% | 6,116 |
| Noninterest income to average assets | 0.4087% | 4,122 |
| Noninterest expense to average assets | 2.1815% | 5,385 |
| Loan and lease loss provision to assets | 0.0272% | 4,062 |
| Net operating income to assets | 0.5615% | 4,551 |
| Return on assets (ROA) | 0.6219% | 4,373 |
| Pretax return on assets | 0.6796% | 4,696 |
| Return on Equity (ROE) | 5.5151% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.0276% | 4,086 |
| Net charge-offs to loans | 0.1353% | 2,664 |
| Credit loss provision to net charge-offs | 80.9524% | 2,846 |
| Earnings coverage of net charge-offs (x) | 19.0476% | 1,805 |
| Efficiency ratio | 77.2856% | 2,316 |
| Assets per employee ($millions) | 3.7970% | 4,351 |
| Cash dividends to net income (ytd only)* | 45.1031% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 5,984 |
| Loan loss allowance to noncurrent loans | 107.6923% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 5,339 |
| Noncurrent loans to loans | 0.6541% | 3,721 |
| Net loans and leases to total assets | 25.9876% | 6,277 |
| Net loans and leases to deposits | 32.2158% | 6,255 |
| Net loans and leases to core deposits | 33.2989% | 6,254 |
| Total domestic deposits to total assets | 80.6673% | 4,837 |
| Equity capital to assets | 11.8251% | 2,153 |
| Core capital (leverage) ratio | 11.3568% | 2,085 |
| Tier 1 risk-based capital ratio | 29.3490% | 536 |
| Total risk-based capital ratio | 29.8176% | 577 |
| Memoranda: | ||
| Average total assets | $62,387,200 | 5,489 |
| Average earning assets | $59,140,400 | 5,419 |
| Average equity | $7,035,200 | 5,403 |
| Average total loans | $15,521,000 | 6,147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 6,055 |
| Cost of funding earning assets | 0.5361% | 2,411 |
| Net interest margin | 2.5442% | 6,192 |
| Noninterest income to average assets | 0.3609% | 4,546 |
| Noninterest expense to average assets | 2.1084% | 5,550 |
| Loan and lease loss provision to assets | 0.0149% | 4,117 |
| Net operating income to assets | 0.6003% | 4,447 |
| Return on assets (ROA) | 0.6667% | 4,220 |
| Pretax return on assets | 0.7283% | 4,597 |
| Return on Equity (ROE) | 5.9826% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.9826% | 2,419 |
| Net charge-offs to loans | 0.0432% | 3,640 |
| Credit loss provision to net charge-offs | 140.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 63.1664% | 834 |
| Efficiency ratio | 75.8594% | 2,510 |
| Assets per employee ($millions) | 3.8243% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 6,037 |
| Loan loss allowance to noncurrent loans | 93.6508% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 5,272 |
| Noncurrent loans to loans | 0.7815% | 3,627 |
| Net loans and leases to total assets | 26.1567% | 6,355 |
| Net loans and leases to deposits | 32.4461% | 6,335 |
| Net loans and leases to core deposits | 33.5310% | 6,331 |
| Total domestic deposits to total assets | 80.6158% | 4,939 |
| Equity capital to assets | 11.8959% | 2,157 |
| Core capital (leverage) ratio | 11.4360% | 2,114 |
| Tier 1 risk-based capital ratio | 28.4623% | 616 |
| Total risk-based capital ratio | 28.9343% | 647 |
| Memoranda: | ||
| Average total assets | $62,796,000 | 5,541 |
| Average earning assets | $59,690,000 | 5,465 |
| Average equity | $6,998,000 | 5,463 |
| Average total loans | $15,426,250 | 6,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0595% | 6,117 |
| Cost of funding earning assets | 0.5575% | 2,288 |
| Net interest margin | 2.5020% | 6,276 |
| Noninterest income to average assets | 0.3474% | 4,651 |
| Noninterest expense to average assets | 2.0653% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6065% | 4,327 |
| Return on assets (ROA) | 0.7042% | 3,910 |
| Pretax return on assets | 0.7705% | 4,382 |
| Return on Equity (ROE) | 6.4597% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.4597% | 2,059 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6944% | 2,691 |
| Assets per employee ($millions) | 3.9614% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 6,122 |
| Loan loss allowance to noncurrent loans | 892.3077% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,165 |
| Noncurrent loans to loans | 0.0822% | 5,772 |
| Net loans and leases to total assets | 24.7606% | 6,433 |
| Net loans and leases to deposits | 31.0403% | 6,409 |
| Net loans and leases to core deposits | 31.6756% | 6,419 |
| Total domestic deposits to total assets | 79.7690% | 5,295 |
| Equity capital to assets | 11.2491% | 2,659 |
| Core capital (leverage) ratio | 10.9678% | 2,458 |
| Tier 1 risk-based capital ratio | 28.1231% | 637 |
| Total risk-based capital ratio | 28.5874% | 668 |
| Memoranda: | ||
| Average total assets | $63,331,670 | 5,579 |
| Average earning assets | $60,271,330 | 5,494 |
| Average equity | $6,904,330 | 5,505 |
| Average total loans | $15,194,000 | 6,280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 6,224 |
| Cost of funding earning assets | 0.5902% | 2,063 |
| Net interest margin | 2.4272% | 6,399 |
| Noninterest income to average assets | 0.3412% | 4,652 |
| Noninterest expense to average assets | 2.1483% | 5,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4676% | 4,856 |
| Return on assets (ROA) | 0.4676% | 4,925 |
| Pretax return on assets | 0.5055% | 5,157 |
| Return on Equity (ROE) | 4.3584% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.3584% | 3,512 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,058 |
| Assets per employee ($millions) | 3.9442% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 6,084 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,334 |
| Noncurrent loans to loans | 0.0139% | 6,126 |
| Net loans and leases to total assets | 22.5664% | 6,530 |
| Net loans and leases to deposits | 27.2357% | 6,525 |
| Net loans and leases to core deposits | 27.7955% | 6,532 |
| Total domestic deposits to total assets | 82.8561% | 4,660 |
| Equity capital to assets | 10.9100% | 2,812 |
| Core capital (leverage) ratio | 10.8454% | 2,548 |
| Tier 1 risk-based capital ratio | 28.7014% | 594 |
| Total risk-based capital ratio | 29.1856% | 634 |
| Memoranda: | ||
| Average total assets | $63,306,000 | 5,636 |
| Average earning assets | $60,317,500 | 5,554 |
| Average equity | $6,791,500 | 5,568 |
| Average total loans | $14,886,000 | 6,352 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 6,265 |
| Cost of funding earning assets | 0.6874% | 1,904 |
| Net interest margin | 2.3885% | 6,458 |
| Noninterest income to average assets | 0.4161% | 4,332 |
| Noninterest expense to average assets | 1.9241% | 6,152 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6837% | 3,884 |
| Return on assets (ROA) | 0.7816% | 3,493 |
| Pretax return on assets | 0.8592% | 3,920 |
| Return on Equity (ROE) | 7.1594% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.8986% | 3,426 |
| Net charge-offs to loans | -0.0067% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7918% | 3,511 |
| Assets per employee ($millions) | 4.2337% | 3,392 |
| Cash dividends to net income (ytd only)* | 45.5466% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 6,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 24.0910% | 6,601 |
| Net loans and leases to deposits | 30.4530% | 6,574 |
| Net loans and leases to core deposits | 31.1056% | 6,582 |
| Total domestic deposits to total assets | 79.1087% | 5,631 |
| Equity capital to assets | 10.5472% | 3,096 |
| Core capital (leverage) ratio | 10.7472% | 2,628 |
| Tier 1 risk-based capital ratio | 27.8999% | 617 |
| Total risk-based capital ratio | 28.3757% | 657 |
| Memoranda: | ||
| Average total assets | $63,199,800 | 5,670 |
| Average earning assets | $59,787,600 | 5,598 |
| Average equity | $6,900,000 | 5,596 |
| Average total loans | $14,996,000 | 6,417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0631% | 6,358 |
| Cost of funding earning assets | 0.7088% | 1,897 |
| Net interest margin | 2.3544% | 6,554 |
| Noninterest income to average assets | 0.3739% | 4,720 |
| Noninterest expense to average assets | 1.8271% | 6,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7013% | 3,853 |
| Return on assets (ROA) | 0.8301% | 3,314 |
| Pretax return on assets | 0.9125% | 3,828 |
| Return on Equity (ROE) | 7.5389% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.5389% | 1,625 |
| Net charge-offs to loans | 0.0089% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 365.9023% | 162 |
| Efficiency ratio | 70.1626% | 3,735 |
| Assets per employee ($millions) | 4.1782% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 6,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.1049% | 6,668 |
| Net loans and leases to deposits | 30.7960% | 6,649 |
| Net loans and leases to core deposits | 31.5102% | 6,652 |
| Total domestic deposits to total assets | 81.5200% | 5,079 |
| Equity capital to assets | 10.9489% | 2,809 |
| Core capital (leverage) ratio | 10.8217% | 2,648 |
| Tier 1 risk-based capital ratio | 28.2406% | 615 |
| Total risk-based capital ratio | 28.7054% | 657 |
| Memoranda: | ||
| Average total assets | $63,123,500 | 5,736 |
| Average earning assets | $59,632,500 | 5,661 |
| Average equity | $6,950,500 | 5,654 |
| Average total loans | $14,891,250 | 6,485 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0637% | 6,384 |
| Cost of funding earning assets | 0.7258% | 1,878 |
| Net interest margin | 2.3379% | 6,595 |
| Noninterest income to average assets | 0.3477% | 4,910 |
| Noninterest expense to average assets | 1.9186% | 6,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5851% | 4,373 |
| Return on assets (ROA) | 0.7807% | 3,564 |
| Pretax return on assets | 0.8534% | 4,105 |
| Return on Equity (ROE) | 7.0774% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.0774% | 1,858 |
| Net charge-offs to loans | -0.0137% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7837% | 2,977 |
| Assets per employee ($millions) | 4.2481% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 6,430 |
| Loan loss allowance to noncurrent loans | 11,600.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,590 |
| Noncurrent loans to loans | 0.0065% | 6,424 |
| Net loans and leases to total assets | 24.0341% | 6,720 |
| Net loans and leases to deposits | 30.2262% | 6,695 |
| Net loans and leases to core deposits | 30.8671% | 6,701 |
| Total domestic deposits to total assets | 79.5141% | 5,712 |
| Equity capital to assets | 10.7530% | 2,996 |
| Core capital (leverage) ratio | 10.5417% | 2,827 |
| Tier 1 risk-based capital ratio | 27.2409% | 675 |
| Total risk-based capital ratio | 27.7070% | 719 |
| Memoranda: | ||
| Average total assets | $63,273,670 | 5,768 |
| Average earning assets | $59,796,670 | 5,701 |
| Average equity | $6,980,000 | 5,688 |
| Average total loans | $14,572,330 | 6,540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0664% | 6,440 |
| Cost of funding earning assets | 0.7128% | 2,113 |
| Net interest margin | 2.3536% | 6,640 |
| Noninterest income to average assets | 0.3616% | 4,773 |
| Noninterest expense to average assets | 2.0111% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5248% | 4,550 |
| Return on assets (ROA) | 0.7232% | 3,710 |
| Pretax return on assets | 0.7867% | 4,225 |
| Return on Equity (ROE) | 6.4736% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.4736% | 2,418 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3956% | 2,709 |
| Assets per employee ($millions) | 4.3389% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,363 |
| Loan loss allowance to noncurrent loans | 958.3333% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 6,561 |
| Noncurrent loans to loans | 0.0889% | 6,212 |
| Net loans and leases to total assets | 20.5737% | 6,846 |
| Net loans and leases to deposits | 25.5710% | 6,832 |
| Net loans and leases to core deposits | 26.0932% | 6,836 |
| Total domestic deposits to total assets | 80.4573% | 5,651 |
| Equity capital to assets | 10.8523% | 3,140 |
| Core capital (leverage) ratio | 10.5008% | 2,773 |
| Tier 1 risk-based capital ratio | 30.3059% | 517 |
| Total risk-based capital ratio | 30.8303% | 550 |
| Memoranda: | ||
| Average total assets | $63,049,500 | 5,835 |
| Average earning assets | $59,483,500 | 5,762 |
| Average equity | $7,044,000 | 5,732 |
| Average total loans | $14,143,000 | 6,616 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 6,469 |
| Cost of funding earning assets | 0.9316% | 1,752 |
| Net interest margin | 2.4843% | 6,723 |
| Noninterest income to average assets | 0.4655% | 4,136 |
| Noninterest expense to average assets | 2.2912% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4434% | 4,911 |
| Return on assets (ROA) | 0.6842% | 4,078 |
| Pretax return on assets | 0.7422% | 4,508 |
| Return on Equity (ROE) | 5.8753% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.4569% | 3,793 |
| Net charge-offs to loans | -0.0068% | 6,420 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1715% | 1,988 |
| Assets per employee ($millions) | 4.3583% | 3,237 |
| Cash dividends to net income (ytd only)* | 41.1622% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 6,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 24.0363% | 6,858 |
| Net loans and leases to deposits | 30.0582% | 6,829 |
| Net loans and leases to core deposits | 30.7186% | 6,833 |
| Total domestic deposits to total assets | 79.9659% | 5,677 |
| Equity capital to assets | 11.5134% | 2,435 |
| Core capital (leverage) ratio | 10.5878% | 2,670 |
| Tier 1 risk-based capital ratio | 28.5846% | 587 |
| Total risk-based capital ratio | 29.0877% | 622 |
| Memoranda: | ||
| Average total assets | $60,361,000 | 5,914 |
| Average earning assets | $56,032,800 | 5,863 |
| Average equity | $7,029,400 | 5,757 |
| Average total loans | $14,703,400 | 6,676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 6,545 |
| Cost of funding earning assets | 0.9572% | 1,811 |
| Net interest margin | 2.5102% | 6,820 |
| Noninterest income to average assets | 0.3810% | 4,772 |
| Noninterest expense to average assets | 2.2459% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4200% | 5,164 |
| Return on assets (ROA) | 0.7420% | 3,980 |
| Pretax return on assets | 0.8084% | 4,453 |
| Return on Equity (ROE) | 6.3532% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.3532% | 2,455 |
| Net charge-offs to loans | -0.0091% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4906% | 1,868 |
| Assets per employee ($millions) | 4.0537% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 6,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 24.1214% | 6,967 |
| Net loans and leases to deposits | 30.1195% | 6,948 |
| Net loans and leases to core deposits | 30.7807% | 6,955 |
| Total domestic deposits to total assets | 80.0855% | 5,629 |
| Equity capital to assets | 11.8362% | 2,406 |
| Core capital (leverage) ratio | 10.8638% | 2,531 |
| Tier 1 risk-based capital ratio | 28.8467% | 596 |
| Total risk-based capital ratio | 29.3479% | 633 |
| Memoranda: | ||
| Average total assets | $60,197,250 | 5,985 |
| Average earning assets | $55,717,000 | 5,940 |
| Average equity | $7,030,500 | 5,818 |
| Average total loans | $14,684,000 | 6,763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4938% | 6,610 |
| Cost of funding earning assets | 0.9506% | 2,061 |
| Net interest margin | 2.5432% | 6,855 |
| Noninterest income to average assets | 0.3934% | 4,699 |
| Noninterest expense to average assets | 2.2535% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4541% | 5,021 |
| Return on assets (ROA) | 0.9334% | 3,013 |
| Pretax return on assets | 1.0301% | 3,598 |
| Return on Equity (ROE) | 8.0287% | 3,246 |
| Retained earnings to average equity (ytd only) | 8.0287% | 1,628 |
| Net charge-offs to loans | -0.0137% | 6,347 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0484% | 2,166 |
| Assets per employee ($millions) | 3.8086% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 6,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 23.8115% | 7,041 |
| Net loans and leases to deposits | 30.5519% | 6,994 |
| Net loans and leases to core deposits | 31.2406% | 7,005 |
| Total domestic deposits to total assets | 77.9379% | 6,164 |
| Equity capital to assets | 11.6021% | 2,486 |
| Core capital (leverage) ratio | 10.7470% | 2,546 |
| Tier 1 risk-based capital ratio | 28.7930% | 586 |
| Total risk-based capital ratio | 29.2983% | 625 |
| Memoranda: | ||
| Average total assets | $59,994,670 | 6,026 |
| Average earning assets | $55,756,000 | 5,973 |
| Average equity | $6,975,000 | 5,855 |
| Average total loans | $14,651,330 | 6,817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 6,586 |
| Cost of funding earning assets | 1.0085% | 1,928 |
| Net interest margin | 2.5830% | 6,885 |
| Noninterest income to average assets | 0.4368% | 4,402 |
| Noninterest expense to average assets | 2.2848% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5039% | 4,810 |
| Return on assets (ROA) | 0.5914% | 4,601 |
| Pretax return on assets | 0.6384% | 4,977 |
| Return on Equity (ROE) | 5.0812% | 4,749 |
| Retained earnings to average equity (ytd only) | 5.0812% | 3,507 |
| Net charge-offs to loans | 0.1091% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,194 |
| Efficiency ratio | 79.3349% | 2,300 |
| Assets per employee ($millions) | 3.8136% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 6,773 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,913 |
| Noncurrent loans to loans | 0.0355% | 6,673 |
| Net loans and leases to total assets | 22.9293% | 7,103 |
| Net loans and leases to deposits | 28.6027% | 7,083 |
| Net loans and leases to core deposits | 29.0746% | 7,088 |
| Total domestic deposits to total assets | 80.1649% | 5,819 |
| Equity capital to assets | 11.3966% | 2,529 |
| Core capital (leverage) ratio | 10.6700% | 2,582 |
| Tier 1 risk-based capital ratio | 28.0873% | 633 |
| Total risk-based capital ratio | 28.5733% | 683 |
| Memoranda: | ||
| Average total assets | $59,523,500 | 6,079 |
| Average earning assets | $55,130,500 | 6,027 |
| Average equity | $6,927,500 | 5,894 |
| Average total loans | $14,664,500 | 6,881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 6,825 |
| Cost of funding earning assets | 1.1538% | 2,327 |
| Net interest margin | 2.5657% | 7,020 |
| Noninterest income to average assets | 0.4035% | 4,586 |
| Noninterest expense to average assets | 2.2902% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4650% | 4,566 |
| Return on assets (ROA) | 0.7348% | 3,490 |
| Pretax return on assets | 0.7932% | 4,004 |
| Return on Equity (ROE) | 6.4404% | 3,675 |
| Retained earnings to average equity (ytd only) | 3.4308% | 3,784 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3319% | 2,259 |
| Assets per employee ($millions) | 3.6268% | 4,710 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 6,838 |
| Loan loss allowance to noncurrent loans | 760.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 6,909 |
| Noncurrent loans to loans | 0.0985% | 6,567 |
| Net loans and leases to total assets | 26.0456% | 7,118 |
| Net loans and leases to deposits | 33.2424% | 7,067 |
| Net loans and leases to core deposits | 33.8348% | 7,081 |
| Total domestic deposits to total assets | 78.3505% | 6,128 |
| Equity capital to assets | 11.8923% | 2,204 |
| Core capital (leverage) ratio | 10.7892% | 2,443 |
| Tier 1 risk-based capital ratio | 28.5006% | 585 |
| Total risk-based capital ratio | 29.0193% | 630 |
| Memoranda: | ||
| Average total assets | $58,247,400 | 6,097 |
| Average earning assets | $54,254,800 | 6,038 |
| Average equity | $6,645,600 | 5,973 |
| Average total loans | $14,900,600 | 6,907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 6,863 |
| Cost of funding earning assets | 1.1822% | 2,431 |
| Net interest margin | 2.6004% | 7,074 |
| Noninterest income to average assets | 0.3545% | 5,023 |
| Noninterest expense to average assets | 2.2137% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5134% | 4,485 |
| Return on assets (ROA) | 0.8690% | 3,011 |
| Pretax return on assets | 0.9468% | 3,598 |
| Return on Equity (ROE) | 7.6978% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.6978% | 1,626 |
| Net charge-offs to loans | -0.0630% | 7,093 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1533% | 2,527 |
| Assets per employee ($millions) | 3.5596% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 6,751 |
| Loan loss allowance to noncurrent loans | 96.8000% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 6,512 |
| Noncurrent loans to loans | 0.8616% | 5,139 |
| Net loans and leases to total assets | 25.2607% | 7,204 |
| Net loans and leases to deposits | 31.7510% | 7,181 |
| Net loans and leases to core deposits | 32.3711% | 7,193 |
| Total domestic deposits to total assets | 79.5589% | 5,854 |
| Equity capital to assets | 11.8763% | 2,353 |
| Core capital (leverage) ratio | 11.0027% | 2,387 |
| Tier 1 risk-based capital ratio | 30.5288% | 511 |
| Total risk-based capital ratio | 31.1053% | 537 |
| Memoranda: | ||
| Average total assets | $58,302,000 | 6,137 |
| Average earning assets | $54,246,250 | 6,090 |
| Average equity | $6,581,750 | 6,034 |
| Average total loans | $14,818,750 | 6,976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 6,905 |
| Cost of funding earning assets | 1.1894% | 2,652 |
| Net interest margin | 2.6282% | 7,096 |
| Noninterest income to average assets | 0.3234% | 5,307 |
| Noninterest expense to average assets | 2.1582% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6054% | 4,043 |
| Return on assets (ROA) | 0.8544% | 2,931 |
| Pretax return on assets | 0.9021% | 3,609 |
| Return on Equity (ROE) | 7.6982% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.6982% | 1,582 |
| Net charge-offs to loans | -0.1072% | 7,181 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4258% | 3,112 |
| Assets per employee ($millions) | 3.6806% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,807 |
| Loan loss allowance to noncurrent loans | 182.0896% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 6,813 |
| Noncurrent loans to loans | 0.4586% | 5,995 |
| Net loans and leases to total assets | 24.6018% | 7,306 |
| Net loans and leases to deposits | 31.0010% | 7,292 |
| Net loans and leases to core deposits | 31.5272% | 7,303 |
| Total domestic deposits to total assets | 79.3581% | 5,991 |
| Equity capital to assets | 11.5198% | 2,487 |
| Core capital (leverage) ratio | 10.5180% | 2,695 |
| Tier 1 risk-based capital ratio | 28.0374% | 652 |
| Total risk-based capital ratio | 28.5829% | 697 |
| Memoranda: | ||
| Average total assets | $58,751,330 | 6,184 |
| Average earning assets | $55,323,330 | 6,111 |
| Average equity | $6,521,000 | 6,078 |
| Average total loans | $14,922,330 | 7,043 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 6,934 |
| Cost of funding earning assets | 1.2187% | 2,694 |
| Net interest margin | 2.5960% | 7,129 |
| Noninterest income to average assets | 0.3476% | 5,128 |
| Noninterest expense to average assets | 2.3176% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4840% | 4,556 |
| Return on assets (ROA) | 0.4840% | 4,635 |
| Pretax return on assets | 0.4840% | 5,074 |
| Return on Equity (ROE) | 4.4448% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.4448% | 3,510 |
| Net charge-offs to loans | -0.2388% | 7,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0219% | 2,369 |
| Assets per employee ($millions) | 3.7361% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,808 |
| Loan loss allowance to noncurrent loans | 148.1928% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 6,818 |
| Noncurrent loans to loans | 0.5788% | 5,868 |
| Net loans and leases to total assets | 23.7813% | 7,378 |
| Net loans and leases to deposits | 30.1021% | 7,353 |
| Net loans and leases to core deposits | 30.6076% | 7,372 |
| Total domestic deposits to total assets | 79.0023% | 6,189 |
| Equity capital to assets | 10.8000% | 2,881 |
| Core capital (leverage) ratio | 10.1664% | 2,955 |
| Tier 1 risk-based capital ratio | 26.9272% | 715 |
| Total risk-based capital ratio | 27.4715% | 752 |
| Memoranda: | ||
| Average total assets | $58,682,000 | 6,234 |
| Average earning assets | $55,470,500 | 6,147 |
| Average equity | $6,389,500 | 6,131 |
| Average total loans | $15,078,500 | 7,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 6,796 |
| Cost of funding earning assets | 1.4423% | 3,004 |
| Net interest margin | 2.8533% | 6,969 |
| Noninterest income to average assets | 0.3726% | 5,114 |
| Noninterest expense to average assets | 2.3724% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6070% | 3,641 |
| Return on assets (ROA) | 0.7128% | 3,311 |
| Pretax return on assets | 0.7290% | 3,875 |
| Return on Equity (ROE) | 6.0895% | 3,574 |
| Retained earnings to average equity (ytd only) | 3.4753% | 3,438 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6308% | 2,772 |
| Assets per employee ($millions) | 3.5991% | 4,711 |
| Cash dividends to net income (ytd only)* | 42.9293% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 7,108 |
| Loan loss allowance to noncurrent loans | 211.1111% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 6,996 |
| Noncurrent loans to loans | 0.3414% | 6,376 |
| Net loans and leases to total assets | 27.2705% | 7,421 |
| Net loans and leases to deposits | 34.4999% | 7,385 |
| Net loans and leases to core deposits | 36.6890% | 7,379 |
| Total domestic deposits to total assets | 79.0453% | 6,066 |
| Equity capital to assets | 10.9801% | 2,703 |
| Core capital (leverage) ratio | 10.2960% | 2,773 |
| Tier 1 risk-based capital ratio | 25.7865% | 775 |
| Total risk-based capital ratio | 26.2758% | 823 |
| Memoranda: | ||
| Average total assets | $55,556,200 | 6,352 |
| Average earning assets | $51,028,600 | 6,326 |
| Average equity | $6,503,000 | 6,201 |
| Average total loans | $15,639,600 | 7,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 6,822 |
| Cost of funding earning assets | 1.4662% | 3,173 |
| Net interest margin | 2.9325% | 6,955 |
| Noninterest income to average assets | 0.3367% | 5,475 |
| Noninterest expense to average assets | 2.2549% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7359% | 3,255 |
| Return on assets (ROA) | 0.8792% | 2,836 |
| Pretax return on assets | 0.9034% | 3,543 |
| Return on Equity (ROE) | 7.3914% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.3914% | 1,649 |
| Net charge-offs to loans | 0.0171% | 6,442 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 155.8015% | 205 |
| Efficiency ratio | 73.2904% | 3,463 |
| Assets per employee ($millions) | 3.5620% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7252% | 7,156 |
| Loan loss allowance to noncurrent loans | 5,600.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,370 |
| Noncurrent loans to loans | 0.0130% | 7,237 |
| Net loans and leases to total assets | 26.9020% | 7,530 |
| Net loans and leases to deposits | 34.1561% | 7,516 |
| Net loans and leases to core deposits | 34.7775% | 7,522 |
| Total domestic deposits to total assets | 78.7619% | 6,074 |
| Equity capital to assets | 11.7859% | 2,298 |
| Core capital (leverage) ratio | 10.8279% | 2,390 |
| Tier 1 risk-based capital ratio | 27.0206% | 694 |
| Total risk-based capital ratio | 27.5136% | 738 |
| Memoranda: | ||
| Average total assets | $55,048,750 | 6,446 |
| Average earning assets | $50,195,250 | 6,431 |
| Average equity | $6,548,000 | 6,262 |
| Average total loans | $15,595,000 | 7,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 6,929 |
| Cost of funding earning assets | 1.5076% | 3,213 |
| Net interest margin | 2.8778% | 7,035 |
| Noninterest income to average assets | 0.3603% | 5,269 |
| Noninterest expense to average assets | 2.3014% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6575% | 3,597 |
| Return on assets (ROA) | 0.8750% | 2,772 |
| Pretax return on assets | 0.9007% | 3,487 |
| Return on Equity (ROE) | 7.3325% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.3325% | 1,703 |
| Net charge-offs to loans | 0.0639% | 5,502 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 36.8000% | 783 |
| Efficiency ratio | 75.6790% | 3,126 |
| Assets per employee ($millions) | 3.4761% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 7,238 |
| Loan loss allowance to noncurrent loans | 573.6842% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 7,313 |
| Noncurrent loans to loans | 0.1231% | 7,023 |
| Net loans and leases to total assets | 27.5576% | 7,587 |
| Net loans and leases to deposits | 34.3809% | 7,571 |
| Net loans and leases to core deposits | 35.0107% | 7,585 |
| Total domestic deposits to total assets | 80.1539% | 5,685 |
| Equity capital to assets | 11.8541% | 2,179 |
| Core capital (leverage) ratio | 10.8297% | 2,379 |
| Tier 1 risk-based capital ratio | 27.3269% | 676 |
| Total risk-based capital ratio | 27.8228% | 720 |
| Memoranda: | ||
| Average total assets | $54,401,000 | 6,509 |
| Average earning assets | $49,482,000 | 6,491 |
| Average equity | $6,491,670 | 6,301 |
| Average total loans | $15,645,330 | 7,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 6,977 |
| Cost of funding earning assets | 1.4962% | 3,586 |
| Net interest margin | 2.9180% | 6,986 |
| Noninterest income to average assets | 0.3941% | 4,960 |
| Noninterest expense to average assets | 2.3795% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6395% | 3,713 |
| Return on assets (ROA) | 0.7362% | 3,381 |
| Pretax return on assets | 0.7362% | 4,106 |
| Return on Equity (ROE) | 6.1481% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.1481% | 2,552 |
| Net charge-offs to loans | 0.2032% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,715 |
| Efficiency ratio | 77.0936% | 3,048 |
| Assets per employee ($millions) | 3.6497% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6915% | 7,351 |
| Loan loss allowance to noncurrent loans | 757.1429% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 7,427 |
| Noncurrent loans to loans | 0.0913% | 7,165 |
| Net loans and leases to total assets | 27.8071% | 7,679 |
| Net loans and leases to deposits | 34.7875% | 7,645 |
| Net loans and leases to core deposits | 35.4369% | 7,661 |
| Total domestic deposits to total assets | 79.9342% | 5,803 |
| Equity capital to assets | 11.8568% | 2,130 |
| Core capital (leverage) ratio | 10.8714% | 2,317 |
| Tier 1 risk-based capital ratio | 27.2326% | 691 |
| Total risk-based capital ratio | 27.7251% | 727 |
| Memoranda: | ||
| Average total assets | $53,792,500 | 6,613 |
| Average earning assets | $48,388,500 | 6,614 |
| Average equity | $6,441,000 | 6,366 |
| Average total loans | $15,750,000 | 7,361 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 6,448 |
| Cost of funding earning assets | 1.7037% | 4,486 |
| Net interest margin | 3.2915% | 5,780 |
| Noninterest income to average assets | 0.3802% | 5,372 |
| Noninterest expense to average assets | 2.4827% | 6,196 |
| Loan and lease loss provision to assets | 0.0192% | 7,311 |
| Net operating income to assets | 0.9122% | 2,139 |
| Return on assets (ROA) | 0.9197% | 2,175 |
| Pretax return on assets | 0.9389% | 2,801 |
| Return on Equity (ROE) | 7.7069% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.3281% | 2,206 |
| Net charge-offs to loans | 0.0118% | 7,062 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 247.5000% | 112 |
| Efficiency ratio | 70.7494% | 4,485 |
| Assets per employee ($millions) | 3.5227% | 4,958 |
| Cash dividends to net income (ytd only)* | 43.8413% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 7,370 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,540 |
| Noncurrent loans to loans | 0.0062% | 7,429 |
| Net loans and leases to total assets | 30.3880% | 7,701 |
| Net loans and leases to deposits | 38.3561% | 7,670 |
| Net loans and leases to core deposits | 44.6909% | 7,692 |
| Total domestic deposits to total assets | 79.2260% | 5,924 |
| Equity capital to assets | 12.0950% | 1,982 |
| Core capital (leverage) ratio | 10.7689% | 2,371 |
| Tier 1 risk-based capital ratio | 25.5493% | 797 |
| Total risk-based capital ratio | 26.0553% | 838 |
| Memoranda: | ||
| Average total assets | $52,079,600 | 6,635 |
| Average earning assets | $48,306,200 | 6,588 |
| Average equity | $6,215,200 | 6,525 |
| Average total loans | $16,909,800 | 7,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 6,398 |
| Cost of funding earning assets | 1.7289% | 4,748 |
| Net interest margin | 3.3365% | 5,502 |
| Noninterest income to average assets | 0.3829% | 5,457 |
| Noninterest expense to average assets | 2.3639% | 6,517 |
| Loan and lease loss provision to assets | 0.0257% | 7,096 |
| Net operating income to assets | 1.0612% | 1,861 |
| Return on assets (ROA) | 1.0612% | 1,921 |
| Pretax return on assets | 1.1023% | 2,557 |
| Return on Equity (ROE) | 8.9228% | 2,289 |
| Retained earnings to average equity (ytd only) | 8.9228% | 861 |
| Net charge-offs to loans | -0.0312% | 7,806 |
| Credit loss provision to net charge-offs | -250.0000% | 7,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2252% | 5,325 |
| Assets per employee ($millions) | 3.5064% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 7,334 |
| Loan loss allowance to noncurrent loans | 461.5385% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 7,442 |
| Noncurrent loans to loans | 0.1547% | 7,097 |
| Net loans and leases to total assets | 31.7286% | 7,761 |
| Net loans and leases to deposits | 40.2586% | 7,723 |
| Net loans and leases to core deposits | 46.9846% | 7,751 |
| Total domestic deposits to total assets | 78.8121% | 5,864 |
| Equity capital to assets | 12.5789% | 1,895 |
| Core capital (leverage) ratio | 11.0981% | 2,336 |
| Tier 1 risk-based capital ratio | 25.6921% | 840 |
| Total risk-based capital ratio | 26.2153% | 877 |
| Memoranda: | ||
| Average total assets | $51,889,500 | 6,691 |
| Average earning assets | $48,353,250 | 6,634 |
| Average equity | $6,171,250 | 6,601 |
| Average total loans | $17,094,500 | 7,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 6,637 |
| Cost of funding earning assets | 1.7421% | 5,054 |
| Net interest margin | 3.3021% | 5,544 |
| Noninterest income to average assets | 0.3601% | 5,633 |
| Noninterest expense to average assets | 2.2806% | 6,816 |
| Loan and lease loss provision to assets | 0.0387% | 6,849 |
| Net operating income to assets | 1.0106% | 2,069 |
| Return on assets (ROA) | 1.0106% | 2,164 |
| Pretax return on assets | 1.1306% | 2,533 |
| Return on Equity (ROE) | 8.6668% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.6668% | 1,018 |
| Net charge-offs to loans | -0.0465% | 7,835 |
| Credit loss provision to net charge-offs | -250.0000% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4220% | 5,823 |
| Assets per employee ($millions) | 3.5477% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7069% | 7,405 |
| Loan loss allowance to noncurrent loans | 12,000.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,666 |
| Noncurrent loans to loans | 0.0059% | 7,556 |
| Net loans and leases to total assets | 31.6728% | 7,853 |
| Net loans and leases to deposits | 41.1861% | 7,784 |
| Net loans and leases to core deposits | 46.8820% | 7,821 |
| Total domestic deposits to total assets | 76.9017% | 6,351 |
| Equity capital to assets | 11.6450% | 2,431 |
| Core capital (leverage) ratio | 10.8680% | 2,514 |
| Tier 1 risk-based capital ratio | 24.9077% | 948 |
| Total risk-based capital ratio | 25.4290% | 998 |
| Memoranda: | ||
| Average total assets | $51,654,000 | 6,766 |
| Average earning assets | $48,332,330 | 6,695 |
| Average equity | $6,023,000 | 6,706 |
| Average total loans | $17,190,000 | 7,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 6,738 |
| Cost of funding earning assets | 1.8056% | 5,091 |
| Net interest margin | 3.2653% | 5,636 |
| Noninterest income to average assets | 0.3695% | 5,466 |
| Noninterest expense to average assets | 2.3903% | 6,228 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9042% | 2,688 |
| Return on assets (ROA) | 0.9042% | 2,837 |
| Pretax return on assets | 1.0222% | 3,269 |
| Return on Equity (ROE) | 7.7493% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.7493% | 1,905 |
| Net charge-offs to loans | -0.0694% | 7,791 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4332% | 4,884 |
| Assets per employee ($millions) | 3.4175% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 7,602 |
| Loan loss allowance to noncurrent loans | 74.1497% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,653 |
| Noncurrent loans to loans | 0.8532% | 5,319 |
| Net loans and leases to total assets | 33.3990% | 7,822 |
| Net loans and leases to deposits | 43.5438% | 7,743 |
| Net loans and leases to core deposits | 49.4584% | 7,803 |
| Total domestic deposits to total assets | 76.7020% | 6,362 |
| Equity capital to assets | 11.8762% | 2,342 |
| Core capital (leverage) ratio | 11.1348% | 2,391 |
| Tier 1 risk-based capital ratio | 25.0584% | 975 |
| Total risk-based capital ratio | 25.5479% | 1,023 |
| Memoranda: | ||
| Average total assets | $50,873,000 | 6,828 |
| Average earning assets | $47,407,500 | 6,771 |
| Average equity | $5,936,000 | 6,793 |
| Average total loans | $17,297,500 | 7,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 7,378 |
| Cost of funding earning assets | 2.2318% | 5,451 |
| Net interest margin | 3.2304% | 6,271 |
| Noninterest income to average assets | 0.4563% | 4,993 |
| Noninterest expense to average assets | 2.4032% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9303% | 2,876 |
| Return on assets (ROA) | 0.9673% | 2,585 |
| Pretax return on assets | 1.1134% | 2,981 |
| Return on Equity (ROE) | 8.5112% | 2,837 |
| Retained earnings to average equity (ytd only) | 4.7641% | 2,175 |
| Net charge-offs to loans | 0.2040% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.0857% | 1,964 |
| Efficiency ratio | 67.6007% | 4,797 |
| Assets per employee ($millions) | 3.3656% | 5,050 |
| Cash dividends to net income (ytd only)* | 44.0252% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6104% | 7,658 |
| Loan loss allowance to noncurrent loans | 165.6250% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 7,073 |
| Noncurrent loans to loans | 0.3686% | 6,258 |
| Net loans and leases to total assets | 34.1871% | 7,888 |
| Net loans and leases to deposits | 45.5731% | 7,799 |
| Net loans and leases to core deposits | 51.5240% | 7,853 |
| Total domestic deposits to total assets | 75.0158% | 6,449 |
| Equity capital to assets | 11.4571% | 2,665 |
| Core capital (leverage) ratio | 10.6734% | 2,841 |
| Tier 1 risk-based capital ratio | 24.2002% | 1,066 |
| Total risk-based capital ratio | 24.6705% | 1,124 |
| Memoranda: | ||
| Average total assets | $49,310,000 | 6,810 |
| Average earning assets | $46,062,400 | 6,767 |
| Average equity | $5,604,400 | 6,947 |
| Average total loans | $17,153,400 | 7,513 |