Home > The First National Bank of Trinity > Performance and Condition Ratios
The First National Bank of Trinity, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 2,743 |
| Cost of funding earning assets | 0.8362% | 3,643 |
| Net interest margin | 3.8335% | 1,505 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.4560% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9516% | 2,358 |
| Return on assets (ROA) | 0.9516% | 2,350 |
| Pretax return on assets | 0.9516% | 2,807 |
| Return on Equity (ROE) | 25.0800% | 310 |
| Retained earnings to average equity (ytd only) | 20.8983% | 120 |
| Net charge-offs to loans | 0.0994% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 19.6098% | 1,893 |
| Efficiency ratio | 78.4103% | 1,035 |
| Assets per employee ($millions) | 4.0414% | 4,147 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,674 |
| Loan loss allowance to noncurrent loans | 3,010.5263% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,587 |
| Noncurrent loans to loans | 0.0439% | 3,408 |
| Net loans and leases to total assets | 48.0400% | 3,725 |
| Net loans and leases to deposits | 50.9593% | 3,914 |
| Net loans and leases to core deposits | 56.0397% | 3,908 |
| Total domestic deposits to total assets | 94.2600% | 93 |
| Equity capital to assets | 4.9128% | 4,430 |
| Core capital (leverage) ratio | 10.1307% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $84,491,800 | 3,975 |
| Average earning assets | $79,405,800 | 3,937 |
| Average equity | $3,206,000 | 4,410 |
| Average total loans | $41,245,400 | 3,974 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 2,780 |
| Cost of funding earning assets | 0.6789% | 3,816 |
| Net interest margin | 3.8794% | 1,448 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.5048% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9642% | 2,466 |
| Return on assets (ROA) | 0.9642% | 2,460 |
| Pretax return on assets | 0.9642% | 2,948 |
| Return on Equity (ROE) | 27.5800% | 290 |
| Retained earnings to average equity (ytd only) | 21.4480% | 214 |
| Net charge-offs to loans | 0.1309% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 15.0750% | 1,975 |
| Efficiency ratio | 78.4258% | 977 |
| Assets per employee ($millions) | 4.0321% | 4,151 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 1,725 |
| Loan loss allowance to noncurrent loans | 3,015.7895% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,605 |
| Noncurrent loans to loans | 0.0442% | 3,442 |
| Net loans and leases to total assets | 47.8300% | 3,749 |
| Net loans and leases to deposits | 49.7508% | 3,946 |
| Net loans and leases to core deposits | 53.6967% | 3,948 |
| Total domestic deposits to total assets | 96.1400% | 73 |
| Equity capital to assets | 2.9897% | 4,492 |
| Core capital (leverage) ratio | 9.8115% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $83,387,250 | 4,002 |
| Average earning assets | $78,361,000 | 3,965 |
| Average equity | $2,915,500 | 4,453 |
| Average total loans | $40,736,500 | 3,990 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 2,631 |
| Cost of funding earning assets | 0.5239% | 3,935 |
| Net interest margin | 3.9828% | 1,278 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.5827% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9729% | 2,512 |
| Return on assets (ROA) | 0.9729% | 2,502 |
| Pretax return on assets | 0.9729% | 2,985 |
| Return on Equity (ROE) | 26.4400% | 312 |
| Retained earnings to average equity (ytd only) | 17.5139% | 371 |
| Net charge-offs to loans | 0.2001% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 9.9250% | 2,008 |
| Efficiency ratio | 78.6444% | 954 |
| Assets per employee ($millions) | 3.7082% | 4,285 |
| Cash dividends to net income (ytd only)* | 33.7531% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,540 |
| Loan loss allowance to noncurrent loans | 3,015.7895% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,575 |
| Noncurrent loans to loans | 0.0463% | 3,386 |
| Net loans and leases to total assets | 49.5500% | 3,586 |
| Net loans and leases to deposits | 51.8936% | 3,842 |
| Net loans and leases to core deposits | 55.2778% | 3,836 |
| Total domestic deposits to total assets | 95.4800% | 73 |
| Equity capital to assets | 3.7325% | 4,529 |
| Core capital (leverage) ratio | 9.9453% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $81,614,333 | 4,032 |
| Average earning assets | $76,729,000 | 3,994 |
| Average equity | $3,003,333 | 4,475 |
| Average total loans | $39,981,333 | 4,014 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,785 |
| Cost of funding earning assets | 0.4582% | 3,814 |
| Net interest margin | 3.8479% | 1,583 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 3.5918% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7840% | 3,244 |
| Return on assets (ROA) | 0.7840% | 3,193 |
| Pretax return on assets | 0.7840% | 3,496 |
| Return on Equity (ROE) | 21.4600% | 624 |
| Retained earnings to average equity (ytd only) | 12.4728% | 1,182 |
| Net charge-offs to loans | 0.0405% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,188 |
| Efficiency ratio | 82.0829% | 697 |
| Assets per employee ($millions) | 3.7193% | 4,362 |
| Cash dividends to net income (ytd only)* | 41.8750% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,139 |
| Loan loss allowance to noncurrent loans | 1,522.5000% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,299 |
| Noncurrent loans to loans | 0.1014% | 3,028 |
| Net loans and leases to total assets | 47.4700% | 3,668 |
| Net loans and leases to deposits | 49.6339% | 3,906 |
| Net loans and leases to core deposits | 52.3087% | 3,902 |
| Total domestic deposits to total assets | 95.6500% | 65 |
| Equity capital to assets | 3.6762% | 4,562 |
| Core capital (leverage) ratio | 9.5988% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $81,631,500 | 4,080 |
| Average earning assets | $76,821,000 | 4,042 |
| Average equity | $2,982,500 | 4,541 |
| Average total loans | $39,474,000 | 4,077 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 1,562 |
| Cost of funding earning assets | 0.1060% | 4,365 |
| Net interest margin | 3.9544% | 852 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 3.3650% | 569 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.1101% | 2,124 |
| Return on assets (ROA) | 1.0156% | 2,458 |
| Pretax return on assets | 1.0156% | 3,030 |
| Return on Equity (ROE) | 20.2200% | 459 |
| Retained earnings to average equity (ytd only) | 15.2422% | 275 |
| Net charge-offs to loans | 0.1859% | 440 |
| Credit loss provision to net charge-offs | 154.9296% | 1,280 |
| Earnings coverage of net charge-offs (x) | 14.1268% | 2,045 |
| Efficiency ratio | 72.9650% | 1,333 |
| Assets per employee ($millions) | 3.7018% | 4,380 |
| Cash dividends to net income (ytd only)* | 24.6022% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,142 |
| Loan loss allowance to noncurrent loans | 960.4651% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,274 |
| Noncurrent loans to loans | 0.1089% | 2,988 |
| Net loans and leases to total assets | 47.9900% | 3,667 |
| Net loans and leases to deposits | 50.1000% | 3,892 |
| Net loans and leases to core deposits | 52.1560% | 3,909 |
| Total domestic deposits to total assets | 95.7800% | 92 |
| Equity capital to assets | 3.6309% | 4,556 |
| Core capital (leverage) ratio | 10.0128% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,445,400 | 4,126 |
| Average earning assets | $75,460,800 | 4,095 |
| Average equity | $4,041,400 | 4,530 |
| Average total loans | $38,189,800 | 4,097 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 1,286 |
| Cost of funding earning assets | 0.0833% | 4,394 |
| Net interest margin | 3.9078% | 789 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.3816% | 533 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.1156% | 2,022 |
| Return on assets (ROA) | 1.1156% | 1,990 |
| Pretax return on assets | 1.1156% | 2,675 |
| Return on Equity (ROE) | 20.7500% | 380 |
| Retained earnings to average equity (ytd only) | 16.6025% | 236 |
| Net charge-offs to loans | 0.1972% | 331 |
| Credit loss provision to net charge-offs | 160.7143% | 1,096 |
| Earnings coverage of net charge-offs (x) | 13.5893% | 1,878 |
| Efficiency ratio | 72.7728% | 1,413 |
| Assets per employee ($millions) | 3.6300% | 4,454 |
| Cash dividends to net income (ytd only)* | 19.9702% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,208 |
| Loan loss allowance to noncurrent loans | 1,695.8333% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,626 |
| Noncurrent loans to loans | 0.0624% | 3,430 |
| Net loans and leases to total assets | 47.6200% | 3,661 |
| Net loans and leases to deposits | 49.4461% | 3,888 |
| Net loans and leases to core deposits | 49.8179% | 3,960 |
| Total domestic deposits to total assets | 96.3000% | 106 |
| Equity capital to assets | 2.5720% | 4,623 |
| Core capital (leverage) ratio | 9.5951% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,197,000 | 4,157 |
| Average earning assets | $75,197,750 | 4,125 |
| Average equity | $4,312,500 | 4,541 |
| Average total loans | $37,863,750 | 4,130 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 1,144 |
| Cost of funding earning assets | 0.0798% | 4,383 |
| Net interest margin | 3.8016% | 752 |
| Noninterest income to average assets | 1.0385% | 617 |
| Noninterest expense to average assets | 3.4043% | 480 |
| Loan and lease loss provision to assets | 0.1743% | 508 |
| Net operating income to assets | 1.0210% | 2,086 |
| Return on assets (ROA) | 1.0210% | 2,053 |
| Pretax return on assets | 1.0210% | 2,651 |
| Return on Equity (ROE) | 16.1885% | 672 |
| Retained earnings to average equity (ytd only) | 10.8976% | 796 |
| Net charge-offs to loans | 0.3079% | 226 |
| Credit loss provision to net charge-offs | 120.6897% | 1,180 |
| Earnings coverage of net charge-offs (x) | 8.2759% | 1,824 |
| Efficiency ratio | 74.0119% | 1,501 |
| Assets per employee ($millions) | 3.8066% | 4,449 |
| Cash dividends to net income (ytd only)* | 32.6829% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,518 |
| Loan loss allowance to noncurrent loans | 2,031.5789% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,760 |
| Noncurrent loans to loans | 0.0502% | 3,572 |
| Net loans and leases to total assets | 46.8695% | 3,639 |
| Net loans and leases to deposits | 48.7807% | 3,877 |
| Net loans and leases to core deposits | 49.8603% | 3,940 |
| Total domestic deposits to total assets | 96.0820% | 82 |
| Equity capital to assets | 3.2462% | 4,679 |
| Core capital (leverage) ratio | 9.4704% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,309,667 | 4,199 |
| Average earning assets | $75,231,333 | 4,180 |
| Average equity | $5,065,333 | 4,516 |
| Average total loans | $37,673,333 | 4,182 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 1,205 |
| Cost of funding earning assets | 0.0849% | 4,300 |
| Net interest margin | 3.6503% | 819 |
| Noninterest income to average assets | 1.1131% | 548 |
| Noninterest expense to average assets | 3.4685% | 434 |
| Loan and lease loss provision to assets | 0.2485% | 263 |
| Net operating income to assets | 0.8150% | 2,615 |
| Return on assets (ROA) | 0.8150% | 2,605 |
| Pretax return on assets | 0.8150% | 3,062 |
| Return on Equity (ROE) | 10.4119% | 1,819 |
| Retained earnings to average equity (ytd only) | 6.1582% | 2,191 |
| Net charge-offs to loans | 0.6492% | 104 |
| Credit loss provision to net charge-offs | 81.9672% | 1,109 |
| Earnings coverage of net charge-offs (x) | 3.5082% | 1,663 |
| Efficiency ratio | 76.5351% | 1,460 |
| Assets per employee ($millions) | 3.8006% | 4,475 |
| Cash dividends to net income (ytd only)* | 40.8537% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,795 |
| Loan loss allowance to noncurrent loans | 576.1905% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,282 |
| Noncurrent loans to loans | 0.1705% | 2,962 |
| Net loans and leases to total assets | 45.8321% | 3,598 |
| Net loans and leases to deposits | 49.3444% | 3,786 |
| Net loans and leases to core deposits | 50.4754% | 3,847 |
| Total domestic deposits to total assets | 92.8821% | 305 |
| Equity capital to assets | 6.5415% | 4,413 |
| Core capital (leverage) ratio | 9.0989% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,495,000 | 4,219 |
| Average earning assets | $75,392,000 | 4,199 |
| Average equity | $6,300,500 | 4,435 |
| Average total loans | $37,583,500 | 4,200 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 1,788 |
| Cost of funding earning assets | 0.1502% | 3,975 |
| Net interest margin | 3.6832% | 1,256 |
| Noninterest income to average assets | 0.8534% | 1,314 |
| Noninterest expense to average assets | 3.3980% | 550 |
| Loan and lease loss provision to assets | 0.1167% | 1,077 |
| Net operating income to assets | 0.7743% | 3,411 |
| Return on assets (ROA) | 0.8339% | 3,299 |
| Pretax return on assets | 0.8339% | 3,656 |
| Return on Equity (ROE) | 8.8419% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.9206% | 1,574 |
| Net charge-offs to loans | 0.2517% | 363 |
| Credit loss provision to net charge-offs | 104.6512% | 1,753 |
| Earnings coverage of net charge-offs (x) | 7.9884% | 2,320 |
| Efficiency ratio | 79.2259% | 858 |
| Assets per employee ($millions) | 3.6899% | 4,534 |
| Cash dividends to net income (ytd only)* | 10.4199% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,832 |
| Loan loss allowance to noncurrent loans | 269.0647% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,735 |
| Noncurrent loans to loans | 0.3636% | 2,282 |
| Net loans and leases to total assets | 46.6265% | 3,641 |
| Net loans and leases to deposits | 51.5717% | 3,761 |
| Net loans and leases to core deposits | 52.7622% | 3,840 |
| Total domestic deposits to total assets | 90.4111% | 760 |
| Equity capital to assets | 9.0912% | 3,524 |
| Core capital (leverage) ratio | 9.0321% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,103,800 | 4,256 |
| Average earning assets | $71,922,000 | 4,237 |
| Average equity | $7,272,200 | 4,398 |
| Average total loans | $34,164,000 | 4,300 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 2,038 |
| Cost of funding earning assets | 0.1692% | 3,930 |
| Net interest margin | 3.6195% | 1,551 |
| Noninterest income to average assets | 0.8569% | 1,359 |
| Noninterest expense to average assets | 3.3803% | 547 |
| Loan and lease loss provision to assets | 0.1143% | 1,050 |
| Net operating income to assets | 0.7360% | 3,684 |
| Return on assets (ROA) | 0.8166% | 3,557 |
| Pretax return on assets | 0.8166% | 3,861 |
| Return on Equity (ROE) | 8.5755% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.3426% | 2,295 |
| Net charge-offs to loans | 0.1327% | 607 |
| Credit loss provision to net charge-offs | 196.9697% | 1,216 |
| Earnings coverage of net charge-offs (x) | 14.6970% | 1,884 |
| Efficiency ratio | 79.9089% | 752 |
| Assets per employee ($millions) | 4.2216% | 4,317 |
| Cash dividends to net income (ytd only)* | 14.3777% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,347 |
| Loan loss allowance to noncurrent loans | 168.9076% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,286 |
| Noncurrent loans to loans | 0.6630% | 1,651 |
| Net loans and leases to total assets | 44.2508% | 3,933 |
| Net loans and leases to deposits | 49.2439% | 4,047 |
| Net loans and leases to core deposits | 50.3976% | 4,115 |
| Total domestic deposits to total assets | 89.8605% | 829 |
| Equity capital to assets | 9.4725% | 3,403 |
| Core capital (leverage) ratio | 9.1202% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,085,500 | 4,323 |
| Average earning assets | $70,910,500 | 4,306 |
| Average equity | $7,245,250 | 4,461 |
| Average total loans | $33,149,000 | 4,372 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 2,193 |
| Cost of funding earning assets | 0.1927% | 3,828 |
| Net interest margin | 3.5602% | 1,686 |
| Noninterest income to average assets | 0.8165% | 1,491 |
| Noninterest expense to average assets | 3.3944% | 536 |
| Loan and lease loss provision to assets | 0.0803% | 1,513 |
| Net operating income to assets | 0.6559% | 3,862 |
| Return on assets (ROA) | 0.6559% | 3,922 |
| Pretax return on assets | 0.6559% | 4,149 |
| Return on Equity (ROE) | 6.8746% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.9946% | 3,185 |
| Net charge-offs to loans | 0.2110% | 408 |
| Credit loss provision to net charge-offs | 88.2353% | 1,444 |
| Earnings coverage of net charge-offs (x) | 8.0882% | 1,894 |
| Efficiency ratio | 82.1776% | 662 |
| Assets per employee ($millions) | 3.8881% | 4,504 |
| Cash dividends to net income (ytd only)* | 27.3469% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,380 |
| Loan loss allowance to noncurrent loans | 1,926.3158% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,098 |
| Noncurrent loans to loans | 0.0575% | 3,895 |
| Net loans and leases to total assets | 42.0326% | 4,176 |
| Net loans and leases to deposits | 46.6789% | 4,282 |
| Net loans and leases to core deposits | 47.8012% | 4,335 |
| Total domestic deposits to total assets | 90.0464% | 752 |
| Equity capital to assets | 9.2720% | 3,537 |
| Core capital (leverage) ratio | 8.8868% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,710,333 | 4,361 |
| Average earning assets | $69,546,667 | 4,345 |
| Average equity | $7,127,667 | 4,499 |
| Average total loans | $32,233,333 | 4,429 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 2,077 |
| Cost of funding earning assets | 0.2292% | 3,649 |
| Net interest margin | 3.5795% | 1,636 |
| Noninterest income to average assets | 0.8198% | 1,538 |
| Noninterest expense to average assets | 3.4871% | 476 |
| Loan and lease loss provision to assets | 0.1093% | 1,265 |
| Net operating income to assets | 0.5520% | 4,067 |
| Return on assets (ROA) | 0.5520% | 4,107 |
| Pretax return on assets | 0.5520% | 4,268 |
| Return on Equity (ROE) | 5.7010% | 3,947 |
| Retained earnings to average equity (ytd only) | 1.9191% | 4,027 |
| Net charge-offs to loans | 0.4273% | 191 |
| Credit loss provision to net charge-offs | 58.8235% | 1,278 |
| Earnings coverage of net charge-offs (x) | 3.5588% | 1,759 |
| Efficiency ratio | 84.0580% | 592 |
| Assets per employee ($millions) | 3.4345% | 4,718 |
| Cash dividends to net income (ytd only)* | 66.3366% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,396 |
| Loan loss allowance to noncurrent loans | 1,112.5000% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 2,875 |
| Noncurrent loans to loans | 0.0995% | 3,806 |
| Net loans and leases to total assets | 42.1009% | 4,232 |
| Net loans and leases to deposits | 46.5543% | 4,321 |
| Net loans and leases to core deposits | 47.6962% | 4,383 |
| Total domestic deposits to total assets | 90.4340% | 612 |
| Equity capital to assets | 8.9625% | 3,724 |
| Core capital (leverage) ratio | 9.1987% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,185,000 | 4,395 |
| Average earning assets | $68,055,000 | 4,383 |
| Average equity | $7,086,500 | 4,518 |
| Average total loans | $31,824,500 | 4,455 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,017 |
| Cost of funding earning assets | 0.2972% | 4,162 |
| Net interest margin | 3.9469% | 1,097 |
| Noninterest income to average assets | 0.9504% | 1,149 |
| Noninterest expense to average assets | 3.6995% | 524 |
| Loan and lease loss provision to assets | 0.1669% | 2,298 |
| Net operating income to assets | 0.7371% | 3,308 |
| Return on assets (ROA) | 1.1049% | 2,026 |
| Pretax return on assets | 1.1049% | 2,673 |
| Return on Equity (ROE) | 10.5330% | 1,798 |
| Retained earnings to average equity (ytd only) | 3.9628% | 2,846 |
| Net charge-offs to loans | 0.2388% | 733 |
| Credit loss provision to net charge-offs | 147.9452% | 2,435 |
| Earnings coverage of net charge-offs (x) | 8.0137% | 2,643 |
| Efficiency ratio | 80.3625% | 862 |
| Assets per employee ($millions) | 3.2187% | 4,752 |
| Cash dividends to net income (ytd only)* | 62.3776% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,081 |
| Loan loss allowance to noncurrent loans | 235.6688% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 2,242 |
| Noncurrent loans to loans | 0.4987% | 2,478 |
| Net loans and leases to total assets | 43.9367% | 4,250 |
| Net loans and leases to deposits | 49.3692% | 4,340 |
| Net loans and leases to core deposits | 51.5723% | 4,366 |
| Total domestic deposits to total assets | 88.9961% | 992 |
| Equity capital to assets | 10.4518% | 2,713 |
| Core capital (leverage) ratio | 9.6002% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,710,600 | 4,451 |
| Average earning assets | $59,895,400 | 4,441 |
| Average equity | $6,788,200 | 4,551 |
| Average total loans | $30,571,200 | 4,507 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,027 |
| Cost of funding earning assets | 0.3104% | 4,265 |
| Net interest margin | 4.0144% | 1,084 |
| Noninterest income to average assets | 1.0002% | 1,022 |
| Noninterest expense to average assets | 3.6759% | 555 |
| Loan and lease loss provision to assets | 0.1646% | 2,353 |
| Net operating income to assets | 0.8715% | 2,815 |
| Return on assets (ROA) | 0.9770% | 2,564 |
| Pretax return on assets | 0.9770% | 3,143 |
| Return on Equity (ROE) | 9.3040% | 2,281 |
| Retained earnings to average equity (ytd only) | 0.3416% | 4,422 |
| Net charge-offs to loans | 0.2197% | 696 |
| Credit loss provision to net charge-offs | 156.0000% | 2,296 |
| Earnings coverage of net charge-offs (x) | 9.8200% | 2,402 |
| Efficiency ratio | 78.0116% | 1,037 |
| Assets per employee ($millions) | 2.8623% | 4,870 |
| Cash dividends to net income (ytd only)* | 96.3283% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,774 |
| Loan loss allowance to noncurrent loans | 605.0000% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 2,802 |
| Noncurrent loans to loans | 0.1951% | 3,613 |
| Net loans and leases to total assets | 44.2309% | 4,408 |
| Net loans and leases to deposits | 49.9031% | 4,491 |
| Net loans and leases to core deposits | 52.2008% | 4,521 |
| Total domestic deposits to total assets | 88.6337% | 925 |
| Equity capital to assets | 10.6094% | 2,697 |
| Core capital (leverage) ratio | 9.7498% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,185,500 | 4,480 |
| Average earning assets | $58,421,000 | 4,476 |
| Average equity | $6,635,000 | 4,591 |
| Average total loans | $30,343,500 | 4,536 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 2,097 |
| Cost of funding earning assets | 0.3348% | 4,338 |
| Net interest margin | 4.1053% | 1,100 |
| Noninterest income to average assets | 0.9552% | 1,063 |
| Noninterest expense to average assets | 3.6610% | 604 |
| Loan and lease loss provision to assets | 0.2380% | 1,769 |
| Net operating income to assets | 0.8541% | 2,855 |
| Return on assets (ROA) | 0.9161% | 2,757 |
| Pretax return on assets | 0.9161% | 3,264 |
| Return on Equity (ROE) | 8.7575% | 2,468 |
| Retained earnings to average equity (ytd only) | -1.6518% | 4,552 |
| Net charge-offs to loans | 0.3244% | 499 |
| Credit loss provision to net charge-offs | 148.9796% | 2,132 |
| Earnings coverage of net charge-offs (x) | 6.8367% | 2,414 |
| Efficiency ratio | 77.0233% | 1,154 |
| Assets per employee ($millions) | 3.0773% | 4,834 |
| Cash dividends to net income (ytd only)* | 118.8612% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,428 |
| Loan loss allowance to noncurrent loans | 373.9583% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,646 |
| Noncurrent loans to loans | 0.3254% | 3,222 |
| Net loans and leases to total assets | 45.0969% | 4,400 |
| Net loans and leases to deposits | 51.0019% | 4,488 |
| Net loans and leases to core deposits | 53.4999% | 4,514 |
| Total domestic deposits to total assets | 88.4221% | 979 |
| Equity capital to assets | 10.8537% | 2,461 |
| Core capital (leverage) ratio | 10.2788% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,349,333 | 4,524 |
| Average earning assets | $56,755,333 | 4,515 |
| Average equity | $6,417,333 | 4,638 |
| Average total loans | $30,209,000 | 4,557 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 1,781 |
| Cost of funding earning assets | 0.3694% | 4,462 |
| Net interest margin | 4.3094% | 747 |
| Noninterest income to average assets | 1.0182% | 825 |
| Noninterest expense to average assets | 3.7446% | 669 |
| Loan and lease loss provision to assets | 0.1005% | 2,426 |
| Net operating income to assets | 1.1589% | 1,662 |
| Return on assets (ROA) | 1.2862% | 1,371 |
| Pretax return on assets | 1.2862% | 1,908 |
| Return on Equity (ROE) | 12.5511% | 971 |
| Retained earnings to average equity (ytd only) | 5.2950% | 2,154 |
| Net charge-offs to loans | 0.1701% | 780 |
| Credit loss provision to net charge-offs | 115.3846% | 1,721 |
| Earnings coverage of net charge-offs (x) | 14.4615% | 1,597 |
| Efficiency ratio | 74.8327% | 1,706 |
| Assets per employee ($millions) | 2.8121% | 4,865 |
| Cash dividends to net income (ytd only)* | 57.8125% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,168 |
| Loan loss allowance to noncurrent loans | 255.3030% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 2,460 |
| Noncurrent loans to loans | 0.4335% | 2,951 |
| Net loans and leases to total assets | 50.9864% | 4,181 |
| Net loans and leases to deposits | 56.9575% | 4,324 |
| Net loans and leases to core deposits | 59.9717% | 4,355 |
| Total domestic deposits to total assets | 89.5166% | 461 |
| Equity capital to assets | 9.8332% | 3,933 |
| Core capital (leverage) ratio | 10.7681% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,712,500 | 4,560 |
| Average earning assets | $55,228,000 | 4,557 |
| Average equity | $6,119,000 | 4,707 |
| Average total loans | $30,562,500 | 4,582 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 3,084 |
| Cost of funding earning assets | 0.3208% | 4,681 |
| Net interest margin | 4.1403% | 1,450 |
| Noninterest income to average assets | 1.0422% | 882 |
| Noninterest expense to average assets | 3.6248% | 832 |
| Loan and lease loss provision to assets | 0.0642% | 2,745 |
| Net operating income to assets | 1.2550% | 1,853 |
| Return on assets (ROA) | 1.2668% | 1,899 |
| Pretax return on assets | 1.2668% | 2,623 |
| Return on Equity (ROE) | 12.7153% | 1,271 |
| Retained earnings to average equity (ytd only) | 5.1539% | 2,332 |
| Net charge-offs to loans | 0.1454% | 1,352 |
| Credit loss provision to net charge-offs | 88.3721% | 2,671 |
| Earnings coverage of net charge-offs (x) | 18.1628% | 2,071 |
| Efficiency ratio | 73.3174% | 1,685 |
| Assets per employee ($millions) | 2.9855% | 4,834 |
| Cash dividends to net income (ytd only)* | 59.4667% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 2,999 |
| Loan loss allowance to noncurrent loans | 204.2683% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 3,329 |
| Noncurrent loans to loans | 0.5346% | 2,574 |
| Net loans and leases to total assets | 50.8173% | 4,290 |
| Net loans and leases to deposits | 57.3104% | 4,400 |
| Net loans and leases to core deposits | 60.3169% | 4,427 |
| Total domestic deposits to total assets | 88.6702% | 808 |
| Equity capital to assets | 10.7704% | 3,209 |
| Core capital (leverage) ratio | 10.5095% | 2,944 |
| Tier 1 risk-based capital ratio | 18.4370% | 1,651 |
| Total risk-based capital ratio | 19.3974% | 1,679 |
| Memoranda: | ||
| Average total assets | $59,203,800 | 4,610 |
| Average earning assets | $55,792,400 | 4,588 |
| Average equity | $5,898,400 | 4,769 |
| Average total loans | $29,580,200 | 4,650 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 3,368 |
| Cost of funding earning assets | 0.3012% | 4,795 |
| Net interest margin | 4.0953% | 1,624 |
| Noninterest income to average assets | 1.0743% | 797 |
| Noninterest expense to average assets | 3.6697% | 779 |
| Loan and lease loss provision to assets | 0.0609% | 2,678 |
| Net operating income to assets | 1.2097% | 2,163 |
| Return on assets (ROA) | 1.2210% | 2,196 |
| Pretax return on assets | 1.2210% | 2,913 |
| Return on Equity (ROE) | 12.5115% | 1,439 |
| Retained earnings to average equity (ytd only) | 2.1970% | 4,208 |
| Net charge-offs to loans | 0.1729% | 981 |
| Credit loss provision to net charge-offs | 71.0526% | 2,605 |
| Earnings coverage of net charge-offs (x) | 14.8145% | 2,229 |
| Efficiency ratio | 74.2805% | 1,520 |
| Assets per employee ($millions) | 3.2031% | 4,752 |
| Cash dividends to net income (ytd only)* | 82.4391% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,055 |
| Loan loss allowance to noncurrent loans | 192.3977% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,430 |
| Noncurrent loans to loans | 0.5691% | 2,593 |
| Net loans and leases to total assets | 48.8350% | 4,486 |
| Net loans and leases to deposits | 54.8522% | 4,599 |
| Net loans and leases to core deposits | 57.6427% | 4,632 |
| Total domestic deposits to total assets | 89.0302% | 600 |
| Equity capital to assets | 10.2139% | 3,805 |
| Core capital (leverage) ratio | 10.6403% | 2,984 |
| Tier 1 risk-based capital ratio | 18.2747% | 1,740 |
| Total risk-based capital ratio | 19.2410% | 1,769 |
| Memoranda: | ||
| Average total assets | $59,077,250 | 4,671 |
| Average earning assets | $55,770,250 | 4,651 |
| Average equity | $5,765,250 | 4,849 |
| Average total loans | $29,305,750 | 4,723 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 3,398 |
| Cost of funding earning assets | 0.2823% | 4,874 |
| Net interest margin | 4.0929% | 1,630 |
| Noninterest income to average assets | 1.1217% | 674 |
| Noninterest expense to average assets | 3.6010% | 848 |
| Loan and lease loss provision to assets | 0.0923% | 2,002 |
| Net operating income to assets | 1.2961% | 1,785 |
| Return on assets (ROA) | 1.2756% | 1,926 |
| Pretax return on assets | 1.2756% | 2,652 |
| Return on Equity (ROE) | 13.2858% | 1,163 |
| Retained earnings to average equity (ytd only) | 1.3891% | 4,323 |
| Net charge-offs to loans | 0.2478% | 682 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 11.2778% | 2,210 |
| Efficiency ratio | 72.1727% | 1,895 |
| Assets per employee ($millions) | 3.1738% | 4,787 |
| Cash dividends to net income (ytd only)* | 89.5442% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 2,912 |
| Loan loss allowance to noncurrent loans | 252.6718% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,704 |
| Noncurrent loans to loans | 0.4467% | 2,932 |
| Net loans and leases to total assets | 48.0805% | 4,567 |
| Net loans and leases to deposits | 53.8622% | 4,684 |
| Net loans and leases to core deposits | 56.3275% | 4,706 |
| Total domestic deposits to total assets | 89.2659% | 557 |
| Equity capital to assets | 10.0708% | 3,920 |
| Core capital (leverage) ratio | 10.5312% | 3,055 |
| Tier 1 risk-based capital ratio | 18.7212% | 1,617 |
| Total risk-based capital ratio | 19.7261% | 1,639 |
| Memoranda: | ||
| Average total assets | $58,483,670 | 4,718 |
| Average earning assets | $55,266,670 | 4,696 |
| Average equity | $5,615,000 | 4,899 |
| Average total loans | $29,058,000 | 4,761 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 3,409 |
| Cost of funding earning assets | 0.2574% | 4,964 |
| Net interest margin | 4.0898% | 1,574 |
| Noninterest income to average assets | 1.1394% | 622 |
| Noninterest expense to average assets | 3.6058% | 843 |
| Loan and lease loss provision to assets | 0.0834% | 2,038 |
| Net operating income to assets | 1.3131% | 1,652 |
| Return on assets (ROA) | 1.3131% | 1,695 |
| Pretax return on assets | 1.3131% | 2,402 |
| Return on Equity (ROE) | 14.0364% | 961 |
| Retained earnings to average equity (ytd only) | -2.5251% | 4,783 |
| Net charge-offs to loans | 0.1106% | 1,073 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 25.1250% | 1,437 |
| Efficiency ratio | 72.0833% | 2,031 |
| Assets per employee ($millions) | 3.0170% | 4,965 |
| Cash dividends to net income (ytd only)* | 117.9894% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 2,707 |
| Loan loss allowance to noncurrent loans | 344.0000% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,947 |
| Noncurrent loans to loans | 0.3420% | 3,353 |
| Net loans and leases to total assets | 50.4161% | 4,439 |
| Net loans and leases to deposits | 56.1831% | 4,591 |
| Net loans and leases to core deposits | 58.8619% | 4,612 |
| Total domestic deposits to total assets | 89.7354% | 550 |
| Equity capital to assets | 9.6506% | 4,131 |
| Core capital (leverage) ratio | 10.4698% | 3,080 |
| Tier 1 risk-based capital ratio | 19.0133% | 1,541 |
| Total risk-based capital ratio | 20.0868% | 1,544 |
| Memoranda: | ||
| Average total assets | $57,574,000 | 4,786 |
| Average earning assets | $54,379,500 | 4,762 |
| Average equity | $5,386,000 | 4,983 |
| Average total loans | $28,924,500 | 4,815 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 3,470 |
| Cost of funding earning assets | 0.2417% | 4,840 |
| Net interest margin | 3.9453% | 2,179 |
| Noninterest income to average assets | 1.0564% | 844 |
| Noninterest expense to average assets | 3.4635% | 1,047 |
| Loan and lease loss provision to assets | 0.0929% | 2,294 |
| Net operating income to assets | 1.2078% | 2,130 |
| Return on assets (ROA) | 1.1442% | 2,415 |
| Pretax return on assets | 1.1442% | 3,122 |
| Return on Equity (ROE) | 13.3706% | 1,211 |
| Retained earnings to average equity (ytd only) | 5.3080% | 2,594 |
| Net charge-offs to loans | 0.0144% | 3,200 |
| Credit loss provision to net charge-offs | 1,350.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 470 |
| Efficiency ratio | 72.6977% | 1,810 |
| Assets per employee ($millions) | 2.8913% | 5,048 |
| Cash dividends to net income (ytd only)* | 60.3008% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,631 |
| Loan loss allowance to noncurrent loans | 523.0769% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,266 |
| Noncurrent loans to loans | 0.2272% | 3,768 |
| Net loans and leases to total assets | 48.8802% | 4,584 |
| Net loans and leases to deposits | 54.0471% | 4,748 |
| Net loans and leases to core deposits | 57.2166% | 4,734 |
| Total domestic deposits to total assets | 90.4401% | 341 |
| Equity capital to assets | 9.0618% | 4,529 |
| Core capital (leverage) ratio | 10.6709% | 2,866 |
| Tier 1 risk-based capital ratio | 19.4150% | 1,423 |
| Total risk-based capital ratio | 20.4924% | 1,428 |
| Memoranda: | ||
| Average total assets | $58,121,200 | 4,798 |
| Average earning assets | $54,622,400 | 4,775 |
| Average equity | $4,973,600 | 5,054 |
| Average total loans | $27,858,600 | 4,866 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 3,513 |
| Cost of funding earning assets | 0.2318% | 4,880 |
| Net interest margin | 3.9040% | 2,285 |
| Noninterest income to average assets | 1.0631% | 841 |
| Noninterest expense to average assets | 3.4733% | 1,018 |
| Loan and lease loss provision to assets | 0.0916% | 2,145 |
| Net operating income to assets | 1.1639% | 2,394 |
| Return on assets (ROA) | 1.1066% | 2,647 |
| Pretax return on assets | 1.1066% | 3,373 |
| Return on Equity (ROE) | 13.1237% | 1,381 |
| Retained earnings to average equity (ytd only) | 2.2280% | 4,491 |
| Net charge-offs to loans | -0.0289% | 4,737 |
| Credit loss provision to net charge-offs | -666.6667% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4496% | 1,665 |
| Assets per employee ($millions) | 3.0147% | 5,028 |
| Cash dividends to net income (ytd only)* | 83.0228% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,795 |
| Loan loss allowance to noncurrent loans | 516.9231% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,526 |
| Noncurrent loans to loans | 0.2264% | 3,895 |
| Net loans and leases to total assets | 49.5312% | 4,634 |
| Net loans and leases to deposits | 54.4142% | 4,808 |
| Net loans and leases to core deposits | 57.5991% | 4,802 |
| Total domestic deposits to total assets | 91.0264% | 210 |
| Equity capital to assets | 8.2927% | 5,038 |
| Core capital (leverage) ratio | 10.3336% | 3,248 |
| Tier 1 risk-based capital ratio | 18.7599% | 1,595 |
| Total risk-based capital ratio | 19.8201% | 1,601 |
| Memoranda: | ||
| Average total assets | $58,195,250 | 4,847 |
| Average earning assets | $54,643,750 | 4,828 |
| Average equity | $4,907,000 | 5,121 |
| Average total loans | $27,672,000 | 4,923 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,642 |
| Cost of funding earning assets | 0.2149% | 4,948 |
| Net interest margin | 3.8275% | 2,470 |
| Noninterest income to average assets | 1.0632% | 855 |
| Noninterest expense to average assets | 3.4222% | 1,112 |
| Loan and lease loss provision to assets | 0.0718% | 2,453 |
| Net operating income to assets | 1.1624% | 2,341 |
| Return on assets (ROA) | 1.0769% | 2,684 |
| Pretax return on assets | 1.0769% | 3,399 |
| Return on Equity (ROE) | 12.7033% | 1,473 |
| Retained earnings to average equity (ytd only) | 0.5646% | 4,844 |
| Net charge-offs to loans | -0.0293% | 4,729 |
| Credit loss provision to net charge-offs | -525.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4949% | 1,784 |
| Assets per employee ($millions) | 3.2216% | 4,910 |
| Cash dividends to net income (ytd only)* | 95.5556% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,052 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 3,574 |
| Noncurrent loans to loans | 0.2528% | 3,795 |
| Net loans and leases to total assets | 47.2046% | 4,757 |
| Net loans and leases to deposits | 51.8085% | 4,922 |
| Net loans and leases to core deposits | 54.7843% | 4,908 |
| Total domestic deposits to total assets | 91.1137% | 224 |
| Equity capital to assets | 8.2862% | 5,085 |
| Core capital (leverage) ratio | 10.1580% | 3,411 |
| Tier 1 risk-based capital ratio | 18.7710% | 1,610 |
| Total risk-based capital ratio | 19.7771% | 1,633 |
| Memoranda: | ||
| Average total assets | $58,500,670 | 4,899 |
| Average earning assets | $54,918,670 | 4,880 |
| Average equity | $4,959,330 | 5,171 |
| Average total loans | $27,327,000 | 4,985 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,825 |
| Cost of funding earning assets | 0.1740% | 5,140 |
| Net interest margin | 3.7633% | 2,571 |
| Noninterest income to average assets | 1.0756% | 796 |
| Noninterest expense to average assets | 3.3698% | 1,216 |
| Loan and lease loss provision to assets | 0.0477% | 2,815 |
| Net operating income to assets | 1.1913% | 2,046 |
| Return on assets (ROA) | 1.0892% | 2,491 |
| Pretax return on assets | 1.0892% | 3,211 |
| Return on Equity (ROE) | 12.7072% | 1,348 |
| Retained earnings to average equity (ytd only) | 4.7652% | 3,273 |
| Net charge-offs to loans | -0.0442% | 4,914 |
| Credit loss provision to net charge-offs | -233.3333% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1167% | 2,024 |
| Assets per employee ($millions) | 3.4165% | 4,773 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,395 |
| Loan loss allowance to noncurrent loans | 434.7826% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 3,675 |
| Noncurrent loans to loans | 0.2526% | 3,856 |
| Net loans and leases to total assets | 46.5083% | 4,771 |
| Net loans and leases to deposits | 50.9939% | 4,923 |
| Net loans and leases to core deposits | 53.6229% | 4,926 |
| Total domestic deposits to total assets | 91.2035% | 255 |
| Equity capital to assets | 8.3110% | 5,099 |
| Core capital (leverage) ratio | 10.0677% | 3,455 |
| Tier 1 risk-based capital ratio | 19.1102% | 1,529 |
| Total risk-based capital ratio | 20.0781% | 1,557 |
| Memoranda: | ||
| Average total assets | $58,757,000 | 4,952 |
| Average earning assets | $55,165,000 | 4,931 |
| Average equity | $5,036,500 | 5,213 |
| Average total loans | $27,146,500 | 5,037 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,074 |
| Cost of funding earning assets | 0.1360% | 5,335 |
| Net interest margin | 3.6560% | 2,967 |
| Noninterest income to average assets | 1.1000% | 844 |
| Noninterest expense to average assets | 3.4296% | 1,158 |
| Loan and lease loss provision to assets | 0.1781% | 1,215 |
| Net operating income to assets | 0.9339% | 2,528 |
| Return on assets (ROA) | 0.9339% | 2,563 |
| Pretax return on assets | 0.9339% | 3,793 |
| Return on Equity (ROE) | 10.5783% | 1,647 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,119 |
| Net charge-offs to loans | 0.2017% | 1,277 |
| Credit loss provision to net charge-offs | 194.3396% | 1,404 |
| Earnings coverage of net charge-offs (x) | 12.1321% | 2,503 |
| Efficiency ratio | 75.5141% | 1,692 |
| Assets per employee ($millions) | 3.4961% | 4,702 |
| Cash dividends to net income (ytd only)* | 66.1111% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,479 |
| Loan loss allowance to noncurrent loans | 391.8919% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,748 |
| Noncurrent loans to loans | 0.2743% | 3,799 |
| Net loans and leases to total assets | 44.9086% | 4,938 |
| Net loans and leases to deposits | 49.4626% | 5,082 |
| Net loans and leases to core deposits | 50.0150% | 5,134 |
| Total domestic deposits to total assets | 90.7931% | 300 |
| Equity capital to assets | 8.8266% | 4,875 |
| Core capital (leverage) ratio | 10.0457% | 3,397 |
| Tier 1 risk-based capital ratio | 19.2394% | 1,463 |
| Total risk-based capital ratio | 20.1910% | 1,476 |
| Memoranda: | ||
| Average total assets | $57,820,000 | 5,007 |
| Average earning assets | $54,431,600 | 4,987 |
| Average equity | $5,104,800 | 5,256 |
| Average total loans | $26,274,600 | 5,120 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 4,073 |
| Cost of funding earning assets | 0.1381% | 5,382 |
| Net interest margin | 3.6413% | 2,993 |
| Noninterest income to average assets | 1.1007% | 841 |
| Noninterest expense to average assets | 3.4391% | 1,085 |
| Loan and lease loss provision to assets | 0.1974% | 963 |
| Net operating income to assets | 0.8940% | 3,058 |
| Return on assets (ROA) | 0.8940% | 3,111 |
| Pretax return on assets | 0.8940% | 4,062 |
| Return on Equity (ROE) | 10.1257% | 2,074 |
| Retained earnings to average equity (ytd only) | 0.7364% | 5,051 |
| Net charge-offs to loans | 0.2299% | 941 |
| Credit loss provision to net charge-offs | 188.8889% | 1,406 |
| Earnings coverage of net charge-offs (x) | 10.4442% | 2,594 |
| Efficiency ratio | 75.9098% | 1,605 |
| Assets per employee ($millions) | 3.4247% | 4,836 |
| Cash dividends to net income (ytd only)* | 92.7277% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,545 |
| Loan loss allowance to noncurrent loans | 141.4141% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,688 |
| Noncurrent loans to loans | 0.7708% | 2,442 |
| Net loans and leases to total assets | 43.6414% | 5,046 |
| Net loans and leases to deposits | 48.3336% | 5,178 |
| Net loans and leases to core deposits | 48.8869% | 5,235 |
| Total domestic deposits to total assets | 90.2920% | 380 |
| Equity capital to assets | 9.1773% | 4,744 |
| Core capital (leverage) ratio | 9.9261% | 3,654 |
| Tier 1 risk-based capital ratio | 19.3210% | 1,516 |
| Total risk-based capital ratio | 20.2688% | 1,542 |
| Memoranda: | ||
| Average total assets | $57,416,500 | 5,070 |
| Average earning assets | $54,081,250 | 5,044 |
| Average equity | $5,069,500 | 5,320 |
| Average total loans | $26,098,000 | 5,178 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 3,919 |
| Cost of funding earning assets | 0.1413% | 5,388 |
| Net interest margin | 3.6513% | 2,833 |
| Noninterest income to average assets | 1.0954% | 834 |
| Noninterest expense to average assets | 3.5276% | 969 |
| Loan and lease loss provision to assets | 0.1960% | 945 |
| Net operating income to assets | 0.8084% | 3,360 |
| Return on assets (ROA) | 0.7979% | 3,467 |
| Pretax return on assets | 0.7979% | 4,286 |
| Return on Equity (ROE) | 9.1597% | 2,431 |
| Retained earnings to average equity (ytd only) | -1.6070% | 5,307 |
| Net charge-offs to loans | 0.1753% | 1,126 |
| Credit loss provision to net charge-offs | 243.4783% | 1,104 |
| Earnings coverage of net charge-offs (x) | 12.4783% | 2,193 |
| Efficiency ratio | 77.8378% | 1,485 |
| Assets per employee ($millions) | 3.3633% | 4,903 |
| Cash dividends to net income (ytd only)* | 117.5439% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 3,702 |
| Loan loss allowance to noncurrent loans | 117.1674% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 3,481 |
| Noncurrent loans to loans | 0.9201% | 2,131 |
| Net loans and leases to total assets | 43.8138% | 5,049 |
| Net loans and leases to deposits | 48.5550% | 5,187 |
| Net loans and leases to core deposits | 49.1206% | 5,248 |
| Total domestic deposits to total assets | 90.2354% | 451 |
| Equity capital to assets | 9.2836% | 4,638 |
| Core capital (leverage) ratio | 9.8033% | 3,773 |
| Tier 1 risk-based capital ratio | 19.4149% | 1,493 |
| Total risk-based capital ratio | 20.3545% | 1,520 |
| Memoranda: | ||
| Average total assets | $57,148,670 | 5,116 |
| Average earning assets | $53,788,670 | 5,090 |
| Average equity | $4,978,330 | 5,373 |
| Average total loans | $26,234,670 | 5,215 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 3,655 |
| Cost of funding earning assets | 0.1413% | 5,431 |
| Net interest margin | 3.6884% | 2,524 |
| Noninterest income to average assets | 1.0571% | 900 |
| Noninterest expense to average assets | 3.5705% | 940 |
| Loan and lease loss provision to assets | 0.3010% | 447 |
| Net operating income to assets | 0.6581% | 3,896 |
| Return on assets (ROA) | 0.6581% | 3,933 |
| Pretax return on assets | 0.6581% | 4,570 |
| Return on Equity (ROE) | 7.8114% | 3,016 |
| Retained earnings to average equity (ytd only) | 0.4155% | 4,827 |
| Net charge-offs to loans | 0.1948% | 887 |
| Credit loss provision to net charge-offs | 330.7692% | 740 |
| Earnings coverage of net charge-offs (x) | 10.5385% | 1,933 |
| Efficiency ratio | 78.8253% | 1,514 |
| Assets per employee ($millions) | 3.3519% | 4,995 |
| Cash dividends to net income (ytd only)* | 94.6809% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 4,156 |
| Loan loss allowance to noncurrent loans | 137.7551% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,820 |
| Noncurrent loans to loans | 0.7414% | 2,640 |
| Net loans and leases to total assets | 45.9233% | 4,945 |
| Net loans and leases to deposits | 50.4726% | 5,102 |
| Net loans and leases to core deposits | 51.0814% | 5,182 |
| Total domestic deposits to total assets | 90.9866% | 304 |
| Equity capital to assets | 8.6378% | 5,120 |
| Core capital (leverage) ratio | 9.9246% | 3,600 |
| Tier 1 risk-based capital ratio | 19.3355% | 1,529 |
| Total risk-based capital ratio | 20.2537% | 1,577 |
| Memoranda: | ||
| Average total assets | $57,135,000 | 5,169 |
| Average earning assets | $53,790,000 | 5,144 |
| Average equity | $4,813,500 | 5,455 |
| Average total loans | $26,690,000 | 5,247 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 3,961 |
| Cost of funding earning assets | 0.1569% | 5,373 |
| Net interest margin | 3.6263% | 2,976 |
| Noninterest income to average assets | 1.1101% | 933 |
| Noninterest expense to average assets | 3.4491% | 1,258 |
| Loan and lease loss provision to assets | 0.1360% | 1,840 |
| Net operating income to assets | 0.9466% | 2,601 |
| Return on assets (ROA) | 1.0086% | 2,414 |
| Pretax return on assets | 1.0086% | 3,444 |
| Return on Equity (ROE) | 11.1263% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.3480% | 2,806 |
| Net charge-offs to loans | 0.2745% | 1,005 |
| Credit loss provision to net charge-offs | 112.8571% | 2,330 |
| Earnings coverage of net charge-offs (x) | 8.9857% | 2,806 |
| Efficiency ratio | 76.1109% | 1,965 |
| Assets per employee ($millions) | 3.1818% | 5,171 |
| Cash dividends to net income (ytd only)* | 60.9215% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,812 |
| Loan loss allowance to noncurrent loans | 192.0000% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,434 |
| Noncurrent loans to loans | 0.4640% | 3,495 |
| Net loans and leases to total assets | 46.6231% | 4,977 |
| Net loans and leases to deposits | 50.9366% | 5,170 |
| Net loans and leases to core deposits | 51.5433% | 5,249 |
| Total domestic deposits to total assets | 91.5316% | 156 |
| Equity capital to assets | 8.1872% | 5,476 |
| Core capital (leverage) ratio | 9.7852% | 3,765 |
| Tier 1 risk-based capital ratio | 18.9195% | 1,623 |
| Total risk-based capital ratio | 19.7189% | 1,702 |
| Memoranda: | ||
| Average total assets | $58,102,200 | 5,188 |
| Average earning assets | $54,821,400 | 5,155 |
| Average equity | $5,266,800 | 5,417 |
| Average total loans | $25,500,000 | 5,331 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,036 |
| Cost of funding earning assets | 0.1575% | 5,432 |
| Net interest margin | 3.6074% | 3,045 |
| Noninterest income to average assets | 1.0976% | 941 |
| Noninterest expense to average assets | 3.4527% | 1,244 |
| Loan and lease loss provision to assets | 0.1166% | 1,980 |
| Net operating income to assets | 0.9329% | 2,737 |
| Return on assets (ROA) | 1.0153% | 2,498 |
| Pretax return on assets | 1.0153% | 3,580 |
| Return on Equity (ROE) | 10.9400% | 1,691 |
| Retained earnings to average equity (ytd only) | 2.1437% | 4,616 |
| Net charge-offs to loans | 0.3076% | 749 |
| Credit loss provision to net charge-offs | 87.9310% | 2,562 |
| Earnings coverage of net charge-offs (x) | 7.9139% | 2,828 |
| Efficiency ratio | 76.6887% | 1,878 |
| Assets per employee ($millions) | 3.2344% | 5,127 |
| Cash dividends to net income (ytd only)* | 80.4051% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 4,941 |
| Loan loss allowance to noncurrent loans | 394.7368% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 5,043 |
| Noncurrent loans to loans | 0.2225% | 4,473 |
| Net loans and leases to total assets | 43.6207% | 5,215 |
| Net loans and leases to deposits | 48.4472% | 5,365 |
| Net loans and leases to core deposits | 48.7513% | 5,427 |
| Total domestic deposits to total assets | 90.0378% | 469 |
| Equity capital to assets | 9.4967% | 4,663 |
| Core capital (leverage) ratio | 9.6624% | 3,983 |
| Tier 1 risk-based capital ratio | 18.8864% | 1,695 |
| Total risk-based capital ratio | 19.6550% | 1,770 |
| Memoranda: | ||
| Average total assets | $58,309,750 | 5,227 |
| Average earning assets | $55,033,500 | 5,191 |
| Average equity | $5,411,250 | 5,444 |
| Average total loans | $25,139,500 | 5,399 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 3,846 |
| Cost of funding earning assets | 0.1526% | 5,527 |
| Net interest margin | 3.6777% | 2,792 |
| Noninterest income to average assets | 1.0799% | 965 |
| Noninterest expense to average assets | 3.4453% | 1,277 |
| Loan and lease loss provision to assets | 0.1234% | 1,845 |
| Net operating income to assets | 0.9805% | 2,465 |
| Return on assets (ROA) | 1.0422% | 2,339 |
| Pretax return on assets | 1.0422% | 3,428 |
| Return on Equity (ROE) | 11.3179% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.1966% | 4,473 |
| Net charge-offs to loans | 0.1361% | 1,514 |
| Credit loss provision to net charge-offs | 211.7647% | 1,249 |
| Earnings coverage of net charge-offs (x) | 18.9412% | 1,800 |
| Efficiency ratio | 75.7347% | 2,118 |
| Assets per employee ($millions) | 3.3736% | 4,969 |
| Cash dividends to net income (ytd only)* | 80.5921% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 4,594 |
| Loan loss allowance to noncurrent loans | 446.4286% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 5,121 |
| Noncurrent loans to loans | 0.2205% | 4,551 |
| Net loans and leases to total assets | 43.8433% | 5,241 |
| Net loans and leases to deposits | 48.7684% | 5,394 |
| Net loans and leases to core deposits | 49.3223% | 5,460 |
| Total domestic deposits to total assets | 89.9010% | 530 |
| Equity capital to assets | 9.7085% | 4,552 |
| Core capital (leverage) ratio | 9.5109% | 4,193 |
| Tier 1 risk-based capital ratio | 18.8613% | 1,724 |
| Total risk-based capital ratio | 19.7172% | 1,770 |
| Memoranda: | ||
| Average total assets | $58,339,670 | 5,283 |
| Average earning assets | $55,034,670 | 5,251 |
| Average equity | $5,372,000 | 5,507 |
| Average total loans | $24,979,000 | 5,461 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 4,022 |
| Cost of funding earning assets | 0.1587% | 5,546 |
| Net interest margin | 3.6205% | 3,003 |
| Noninterest income to average assets | 1.0674% | 952 |
| Noninterest expense to average assets | 3.4198% | 1,344 |
| Loan and lease loss provision to assets | 0.0884% | 2,208 |
| Net operating income to assets | 0.9722% | 2,404 |
| Return on assets (ROA) | 0.9926% | 2,427 |
| Pretax return on assets | 0.9926% | 3,511 |
| Return on Equity (ROE) | 11.0732% | 1,577 |
| Retained earnings to average equity (ytd only) | 5.9917% | 2,376 |
| Net charge-offs to loans | 0.2099% | 956 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,822 |
| Efficiency ratio | 76.3278% | 2,130 |
| Assets per employee ($millions) | 3.2341% | 5,219 |
| Cash dividends to net income (ytd only)* | 45.8904% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 5,040 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 5,110 |
| Noncurrent loans to loans | 0.2709% | 4,465 |
| Net loans and leases to total assets | 43.3580% | 5,282 |
| Net loans and leases to deposits | 47.9593% | 5,418 |
| Net loans and leases to core deposits | 48.5291% | 5,493 |
| Total domestic deposits to total assets | 90.4059% | 463 |
| Equity capital to assets | 9.3020% | 4,885 |
| Core capital (leverage) ratio | 9.4051% | 4,341 |
| Tier 1 risk-based capital ratio | 18.5340% | 1,846 |
| Total risk-based capital ratio | 19.3082% | 1,932 |
| Memoranda: | ||
| Average total assets | $58,833,500 | 5,316 |
| Average earning assets | $55,462,000 | 5,284 |
| Average equity | $5,274,000 | 5,561 |
| Average total loans | $24,771,000 | 5,521 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,122 |
| Cost of funding earning assets | 0.1680% | 5,551 |
| Net interest margin | 3.6062% | 3,105 |
| Noninterest income to average assets | 1.1601% | 882 |
| Noninterest expense to average assets | 3.4399% | 1,408 |
| Loan and lease loss provision to assets | 0.0527% | 3,258 |
| Net operating income to assets | 1.0583% | 2,089 |
| Return on assets (ROA) | 1.0864% | 2,051 |
| Pretax return on assets | 1.0864% | 3,123 |
| Return on Equity (ROE) | 12.5177% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.2083% | 1,698 |
| Net charge-offs to loans | 0.1458% | 1,904 |
| Credit loss provision to net charge-offs | 96.7742% | 2,618 |
| Earnings coverage of net charge-offs (x) | 20.4194% | 1,880 |
| Efficiency ratio | 75.5881% | 2,339 |
| Assets per employee ($millions) | 3.4973% | 4,842 |
| Cash dividends to net income (ytd only)* | 50.4039% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,811 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,247 |
| Noncurrent loans to loans | 0.2285% | 4,608 |
| Net loans and leases to total assets | 40.0982% | 5,505 |
| Net loans and leases to deposits | 43.9755% | 5,653 |
| Net loans and leases to core deposits | 44.7003% | 5,696 |
| Total domestic deposits to total assets | 91.1831% | 242 |
| Equity capital to assets | 8.6336% | 5,440 |
| Core capital (leverage) ratio | 9.2859% | 4,499 |
| Tier 1 risk-based capital ratio | 18.4736% | 1,840 |
| Total risk-based capital ratio | 19.2564% | 1,921 |
| Memoranda: | ||
| Average total assets | $56,978,600 | 5,383 |
| Average earning assets | $53,574,600 | 5,351 |
| Average equity | $4,945,000 | 5,668 |
| Average total loans | $21,261,400 | 5,671 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 4,120 |
| Cost of funding earning assets | 0.1687% | 5,647 |
| Net interest margin | 3.6213% | 3,077 |
| Noninterest income to average assets | 1.1805% | 867 |
| Noninterest expense to average assets | 3.5367% | 1,217 |
| Loan and lease loss provision to assets | 0.0710% | 2,763 |
| Net operating income to assets | 0.9747% | 2,596 |
| Return on assets (ROA) | 1.0125% | 2,507 |
| Pretax return on assets | 1.0125% | 3,568 |
| Return on Equity (ROE) | 11.6507% | 1,478 |
| Retained earnings to average equity (ytd only) | 3.1576% | 4,214 |
| Net charge-offs to loans | 0.2010% | 1,285 |
| Credit loss provision to net charge-offs | 96.7742% | 2,354 |
| Earnings coverage of net charge-offs (x) | 14.2589% | 2,260 |
| Efficiency ratio | 77.1812% | 2,061 |
| Assets per employee ($millions) | 3.3851% | 5,011 |
| Cash dividends to net income (ytd only)* | 72.8976% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,691 |
| Loan loss allowance to noncurrent loans | 405.2632% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 5,349 |
| Noncurrent loans to loans | 0.2494% | 4,680 |
| Net loans and leases to total assets | 39.3129% | 5,632 |
| Net loans and leases to deposits | 43.2521% | 5,753 |
| Net loans and leases to core deposits | 44.4355% | 5,777 |
| Total domestic deposits to total assets | 90.8925% | 275 |
| Equity capital to assets | 8.6800% | 5,590 |
| Core capital (leverage) ratio | 9.2176% | 4,707 |
| Tier 1 risk-based capital ratio | 18.4572% | 1,913 |
| Total risk-based capital ratio | 19.2679% | 1,992 |
| Memoranda: | ||
| Average total assets | $56,359,750 | 5,469 |
| Average earning assets | $52,945,500 | 5,430 |
| Average equity | $4,898,000 | 5,749 |
| Average total loans | $20,559,000 | 5,769 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,204 |
| Cost of funding earning assets | 0.1675% | 5,717 |
| Net interest margin | 3.5931% | 3,116 |
| Noninterest income to average assets | 1.1757% | 876 |
| Noninterest expense to average assets | 3.5630% | 1,189 |
| Loan and lease loss provision to assets | 0.1072% | 2,042 |
| Net operating income to assets | 0.8791% | 2,995 |
| Return on assets (ROA) | 0.9363% | 2,825 |
| Pretax return on assets | 0.9363% | 3,822 |
| Return on Equity (ROE) | 10.7693% | 1,758 |
| Retained earnings to average equity (ytd only) | 0.6988% | 5,277 |
| Net charge-offs to loans | 0.2425% | 1,071 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,286 |
| Efficiency ratio | 78.3189% | 2,019 |
| Assets per employee ($millions) | 3.1273% | 5,433 |
| Cash dividends to net income (ytd only)* | 93.5115% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 4,214 |
| Loan loss allowance to noncurrent loans | 360.6061% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 3,981 |
| Noncurrent loans to loans | 0.3112% | 4,576 |
| Net loans and leases to total assets | 37.2575% | 5,767 |
| Net loans and leases to deposits | 40.8528% | 5,877 |
| Net loans and leases to core deposits | 41.7789% | 5,908 |
| Total domestic deposits to total assets | 91.1995% | 254 |
| Equity capital to assets | 8.4737% | 5,708 |
| Core capital (leverage) ratio | 9.0997% | 4,816 |
| Tier 1 risk-based capital ratio | 19.2107% | 1,749 |
| Total risk-based capital ratio | 20.0968% | 1,798 |
| Memoranda: | ||
| Average total assets | $55,964,330 | 5,537 |
| Average earning assets | $52,545,000 | 5,499 |
| Average equity | $4,865,670 | 5,811 |
| Average total loans | $19,794,000 | 5,860 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7597% | 4,166 |
| Cost of funding earning assets | 0.1601% | 5,839 |
| Net interest margin | 3.5995% | 3,008 |
| Noninterest income to average assets | 1.1828% | 815 |
| Noninterest expense to average assets | 3.7204% | 982 |
| Loan and lease loss provision to assets | 0.0502% | 2,928 |
| Net operating income to assets | 0.7957% | 3,281 |
| Return on assets (ROA) | 0.7957% | 3,411 |
| Pretax return on assets | 0.7957% | 4,257 |
| Return on Equity (ROE) | 9.0363% | 2,426 |
| Retained earnings to average equity (ytd only) | -1.8724% | 5,678 |
| Net charge-offs to loans | 0.0629% | 2,118 |
| Credit loss provision to net charge-offs | 233.3333% | 955 |
| Earnings coverage of net charge-offs (x) | 39.3333% | 982 |
| Efficiency ratio | 81.4757% | 1,690 |
| Assets per employee ($millions) | 3.3160% | 5,213 |
| Cash dividends to net income (ytd only)* | 120.7207% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,938 |
| Loan loss allowance to noncurrent loans | 280.9524% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 4,120 |
| Noncurrent loans to loans | 0.4296% | 4,308 |
| Net loans and leases to total assets | 34.2706% | 5,914 |
| Net loans and leases to deposits | 37.6625% | 6,001 |
| Net loans and leases to core deposits | 38.1391% | 6,035 |
| Total domestic deposits to total assets | 90.9938% | 369 |
| Equity capital to assets | 8.8111% | 5,493 |
| Core capital (leverage) ratio | 9.0669% | 4,877 |
| Tier 1 risk-based capital ratio | 19.6969% | 1,691 |
| Total risk-based capital ratio | 20.6046% | 1,731 |
| Memoranda: | ||
| Average total assets | $55,800,500 | 5,596 |
| Average earning assets | $52,451,500 | 5,550 |
| Average equity | $4,913,500 | 5,854 |
| Average total loans | $19,085,500 | 5,939 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 4,443 |
| Cost of funding earning assets | 0.1728% | 5,960 |
| Net interest margin | 3.6422% | 3,250 |
| Noninterest income to average assets | 1.3489% | 669 |
| Noninterest expense to average assets | 3.5939% | 1,321 |
| Loan and lease loss provision to assets | 0.1248% | 2,096 |
| Net operating income to assets | 1.0862% | 2,026 |
| Return on assets (ROA) | 1.0191% | 2,375 |
| Pretax return on assets | 1.0191% | 3,422 |
| Return on Equity (ROE) | 13.8110% | 969 |
| Retained earnings to average equity (ytd only) | 6.4889% | 1,647 |
| Net charge-offs to loans | 0.2634% | 1,642 |
| Credit loss provision to net charge-offs | 148.8889% | 1,624 |
| Earnings coverage of net charge-offs (x) | 14.4444% | 2,163 |
| Efficiency ratio | 74.7964% | 2,699 |
| Assets per employee ($millions) | 3.2488% | 5,353 |
| Cash dividends to net income (ytd only)* | 53.0165% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 3,740 |
| Loan loss allowance to noncurrent loans | 146.8354% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 3,723 |
| Noncurrent loans to loans | 0.8487% | 3,189 |
| Net loans and leases to total assets | 33.2869% | 6,072 |
| Net loans and leases to deposits | 36.5349% | 6,155 |
| Net loans and leases to core deposits | 37.0235% | 6,181 |
| Total domestic deposits to total assets | 91.1097% | 335 |
| Equity capital to assets | 8.7997% | 5,489 |
| Core capital (leverage) ratio | 9.3064% | 4,530 |
| Tier 1 risk-based capital ratio | 20.7403% | 1,458 |
| Total risk-based capital ratio | 21.6757% | 1,491 |
| Memoranda: | ||
| Average total assets | $53,674,600 | 5,703 |
| Average earning assets | $50,930,200 | 5,647 |
| Average equity | $3,960,600 | 6,096 |
| Average total loans | $17,086,000 | 6,083 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 4,509 |
| Cost of funding earning assets | 0.1736% | 6,044 |
| Net interest margin | 3.6354% | 3,289 |
| Noninterest income to average assets | 1.3987% | 638 |
| Noninterest expense to average assets | 3.6832% | 1,146 |
| Loan and lease loss provision to assets | 0.1526% | 1,625 |
| Net operating income to assets | 1.0209% | 2,363 |
| Return on assets (ROA) | 1.0509% | 2,293 |
| Pretax return on assets | 1.0509% | 3,375 |
| Return on Equity (ROE) | 14.9900% | 830 |
| Retained earnings to average equity (ytd only) | 4.6398% | 3,332 |
| Net charge-offs to loans | 0.2155% | 1,748 |
| Credit loss provision to net charge-offs | 225.9259% | 1,150 |
| Earnings coverage of net charge-offs (x) | 17.3700% | 1,908 |
| Efficiency ratio | 75.8372% | 2,517 |
| Assets per employee ($millions) | 3.0074% | 5,714 |
| Cash dividends to net income (ytd only)* | 69.0477% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 3,462 |
| Loan loss allowance to noncurrent loans | 114.5540% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 3,609 |
| Noncurrent loans to loans | 1.1671% | 2,728 |
| Net loans and leases to total assets | 33.2644% | 6,142 |
| Net loans and leases to deposits | 36.1137% | 6,241 |
| Net loans and leases to core deposits | 36.8091% | 6,265 |
| Total domestic deposits to total assets | 92.1102% | 143 |
| Equity capital to assets | 7.6053% | 6,285 |
| Core capital (leverage) ratio | 9.3326% | 4,595 |
| Tier 1 risk-based capital ratio | 20.5456% | 1,540 |
| Total risk-based capital ratio | 21.5450% | 1,562 |
| Memoranda: | ||
| Average total assets | $53,286,000 | 5,779 |
| Average earning assets | $50,685,500 | 5,711 |
| Average equity | $3,735,750 | 6,209 |
| Average total loans | $16,703,500 | 6,163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,596 |
| Cost of funding earning assets | 0.1819% | 6,060 |
| Net interest margin | 3.5978% | 3,364 |
| Noninterest income to average assets | 1.3584% | 652 |
| Noninterest expense to average assets | 3.6299% | 1,241 |
| Loan and lease loss provision to assets | 0.2302% | 993 |
| Net operating income to assets | 0.9320% | 2,641 |
| Return on assets (ROA) | 1.0641% | 2,139 |
| Pretax return on assets | 1.0641% | 3,231 |
| Return on Equity (ROE) | 15.6290% | 690 |
| Retained earnings to average equity (ytd only) | -0.4434% | 5,760 |
| Net charge-offs to loans | 0.2595% | 1,510 |
| Credit loss provision to net charge-offs | 290.4762% | 882 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,900 |
| Efficiency ratio | 75.7480% | 2,680 |
| Assets per employee ($millions) | 2.9399% | 5,841 |
| Cash dividends to net income (ytd only)* | 102.8369% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 3,169 |
| Loan loss allowance to noncurrent loans | 110.1322% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 3,635 |
| Noncurrent loans to loans | 1.3027% | 2,636 |
| Net loans and leases to total assets | 32.4553% | 6,227 |
| Net loans and leases to deposits | 35.1752% | 6,317 |
| Net loans and leases to core deposits | 36.0645% | 6,330 |
| Total domestic deposits to total assets | 92.2674% | 140 |
| Equity capital to assets | 7.5360% | 6,341 |
| Core capital (leverage) ratio | 9.1709% | 4,785 |
| Tier 1 risk-based capital ratio | 20.7213% | 1,505 |
| Total risk-based capital ratio | 21.7833% | 1,529 |
| Memoranda: | ||
| Average total assets | $53,003,670 | 5,829 |
| Average earning assets | $50,587,000 | 5,769 |
| Average equity | $3,608,670 | 6,282 |
| Average total loans | $16,187,670 | 6,230 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,452 |
| Cost of funding earning assets | 0.1802% | 6,161 |
| Net interest margin | 3.6282% | 3,148 |
| Noninterest income to average assets | 1.3875% | 603 |
| Noninterest expense to average assets | 3.6195% | 1,279 |
| Loan and lease loss provision to assets | 0.1584% | 1,535 |
| Net operating income to assets | 1.1009% | 1,813 |
| Return on assets (ROA) | 1.1386% | 1,739 |
| Pretax return on assets | 1.1386% | 2,736 |
| Return on Equity (ROE) | 17.6660% | 464 |
| Retained earnings to average equity (ytd only) | 4.6797% | 3,310 |
| Net charge-offs to loans | 0.1542% | 1,795 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,098 |
| Efficiency ratio | 74.1886% | 3,101 |
| Assets per employee ($millions) | 2.9614% | 5,901 |
| Cash dividends to net income (ytd only)* | 73.5099% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 3,589 |
| Loan loss allowance to noncurrent loans | 81.8182% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 3,114 |
| Noncurrent loans to loans | 1.7135% | 2,265 |
| Net loans and leases to total assets | 29.6858% | 6,365 |
| Net loans and leases to deposits | 31.9690% | 6,438 |
| Net loans and leases to core deposits | 32.7646% | 6,441 |
| Total domestic deposits to total assets | 92.8581% | 131 |
| Equity capital to assets | 6.9468% | 6,463 |
| Core capital (leverage) ratio | 9.2006% | 4,721 |
| Tier 1 risk-based capital ratio | 22.8744% | 1,158 |
| Total risk-based capital ratio | 23.9192% | 1,167 |
| Memoranda: | ||
| Average total assets | $53,046,000 | 5,883 |
| Average earning assets | $51,044,500 | 5,815 |
| Average equity | $3,419,000 | 6,359 |
| Average total loans | $15,569,000 | 6,326 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5357% | 5,566 |
| Cost of funding earning assets | 0.1898% | 6,339 |
| Net interest margin | 3.3460% | 4,495 |
| Noninterest income to average assets | 1.2216% | 942 |
| Noninterest expense to average assets | 3.2119% | 2,382 |
| Loan and lease loss provision to assets | 0.1146% | 2,898 |
| Net operating income to assets | 1.0885% | 1,967 |
| Return on assets (ROA) | 1.1107% | 1,969 |
| Pretax return on assets | 1.1107% | 2,914 |
| Return on Equity (ROE) | 15.6201% | 672 |
| Retained earnings to average equity (ytd only) | 1.7154% | 5,017 |
| Net charge-offs to loans | 0.2789% | 2,305 |
| Credit loss provision to net charge-offs | 155.0000% | 1,497 |
| Earnings coverage of net charge-offs (x) | 16.2750% | 1,813 |
| Efficiency ratio | 72.7501% | 3,344 |
| Assets per employee ($millions) | 3.1051% | 5,664 |
| Cash dividends to net income (ytd only)* | 89.0183% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,698 |
| Loan loss allowance to noncurrent loans | 90.1288% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 3,412 |
| Noncurrent loans to loans | 1.5442% | 2,577 |
| Net loans and leases to total assets | 28.1869% | 6,521 |
| Net loans and leases to deposits | 29.9811% | 6,581 |
| Net loans and leases to core deposits | 30.7354% | 6,591 |
| Total domestic deposits to total assets | 94.0156% | 80 |
| Equity capital to assets | 5.9390% | 6,619 |
| Core capital (leverage) ratio | 9.0838% | 4,882 |
| Tier 1 risk-based capital ratio | 23.4802% | 1,021 |
| Total risk-based capital ratio | 24.4894% | 1,040 |
| Memoranda: | ||
| Average total assets | $54,111,200 | 5,913 |
| Average earning assets | $51,644,200 | 5,843 |
| Average equity | $3,847,600 | 6,361 |
| Average total loans | $14,344,200 | 6,443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 5,761 |
| Cost of funding earning assets | 0.1901% | 6,448 |
| Net interest margin | 3.2758% | 4,727 |
| Noninterest income to average assets | 1.1755% | 1,063 |
| Noninterest expense to average assets | 3.2376% | 2,238 |
| Loan and lease loss provision to assets | 0.0882% | 3,300 |
| Net operating income to assets | 0.9723% | 2,497 |
| Return on assets (ROA) | 1.0016% | 2,453 |
| Pretax return on assets | 1.0016% | 3,498 |
| Return on Equity (ROE) | 13.5458% | 1,111 |
| Retained earnings to average equity (ytd only) | -4.1731% | 6,453 |
| Net charge-offs to loans | 0.3014% | 2,024 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 13.5299% | 2,024 |
| Efficiency ratio | 75.3276% | 2,845 |
| Assets per employee ($millions) | 3.2046% | 5,488 |
| Cash dividends to net income (ytd only)* | 130.8076% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,325 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 3,846 |
| Noncurrent loans to loans | 1.3531% | 3,158 |
| Net loans and leases to total assets | 26.5079% | 6,638 |
| Net loans and leases to deposits | 28.2233% | 6,695 |
| Net loans and leases to core deposits | 28.7692% | 6,694 |
| Total domestic deposits to total assets | 93.9223% | 75 |
| Equity capital to assets | 5.7051% | 6,718 |
| Core capital (leverage) ratio | 8.7967% | 5,419 |
| Tier 1 risk-based capital ratio | 22.4154% | 1,246 |
| Total risk-based capital ratio | 23.3322% | 1,289 |
| Memoranda: | ||
| Average total assets | $54,442,250 | 5,975 |
| Average earning assets | $51,895,000 | 5,904 |
| Average equity | $4,025,750 | 6,396 |
| Average total loans | $14,158,000 | 6,516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 5,912 |
| Cost of funding earning assets | 0.1934% | 6,510 |
| Net interest margin | 3.2062% | 4,926 |
| Noninterest income to average assets | 1.1758% | 1,099 |
| Noninterest expense to average assets | 3.2519% | 2,211 |
| Loan and lease loss provision to assets | 0.0551% | 3,901 |
| Net operating income to assets | 0.9149% | 2,721 |
| Return on assets (ROA) | 0.9590% | 2,669 |
| Pretax return on assets | 0.9590% | 3,683 |
| Return on Equity (ROE) | 12.0508% | 1,478 |
| Retained earnings to average equity (ytd only) | -5.9561% | 6,511 |
| Net charge-offs to loans | 0.0857% | 3,507 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 865 |
| Efficiency ratio | 77.0235% | 2,620 |
| Assets per employee ($millions) | 3.3643% | 5,144 |
| Cash dividends to net income (ytd only)* | 149.4253% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 3,972 |
| Loan loss allowance to noncurrent loans | 76.6537% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 3,594 |
| Noncurrent loans to loans | 1.8443% | 2,571 |
| Net loans and leases to total assets | 25.5220% | 6,692 |
| Net loans and leases to deposits | 27.3311% | 6,745 |
| Net loans and leases to core deposits | 27.8684% | 6,755 |
| Total domestic deposits to total assets | 93.3808% | 93 |
| Equity capital to assets | 6.3480% | 6,710 |
| Core capital (leverage) ratio | 8.4962% | 5,675 |
| Tier 1 risk-based capital ratio | 23.3058% | 1,088 |
| Total risk-based capital ratio | 24.2846% | 1,116 |
| Memoranda: | ||
| Average total assets | $54,430,330 | 6,011 |
| Average earning assets | $51,711,670 | 5,945 |
| Average equity | $4,331,670 | 6,379 |
| Average total loans | $13,999,670 | 6,565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 5,823 |
| Cost of funding earning assets | 0.1924% | 6,615 |
| Net interest margin | 3.2623% | 4,671 |
| Noninterest income to average assets | 1.1401% | 1,151 |
| Noninterest expense to average assets | 3.3107% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9282% | 2,532 |
| Return on assets (ROA) | 0.9282% | 2,675 |
| Pretax return on assets | 0.9282% | 3,659 |
| Return on Equity (ROE) | 10.6076% | 1,835 |
| Retained earnings to average equity (ytd only) | -18.2919% | 6,812 |
| Net charge-offs to loans | 0.0570% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 561 |
| Efficiency ratio | 78.1034% | 2,594 |
| Assets per employee ($millions) | 3.4378% | 5,116 |
| Cash dividends to net income (ytd only)* | 272.4409% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,575 |
| Loan loss allowance to noncurrent loans | 67.8832% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 3,706 |
| Noncurrent loans to loans | 1.9527% | 2,671 |
| Net loans and leases to total assets | 25.1727% | 6,750 |
| Net loans and leases to deposits | 27.4630% | 6,791 |
| Net loans and leases to core deposits | 28.0147% | 6,797 |
| Total domestic deposits to total assets | 91.6606% | 317 |
| Equity capital to assets | 8.2049% | 6,244 |
| Core capital (leverage) ratio | 8.3305% | 5,785 |
| Tier 1 risk-based capital ratio | 22.8070% | 1,190 |
| Total risk-based capital ratio | 23.7288% | 1,231 |
| Memoranda: | ||
| Average total assets | $54,731,500 | 6,052 |
| Average earning assets | $51,988,500 | 5,986 |
| Average equity | $4,789,000 | 6,303 |
| Average total loans | $14,032,000 | 6,621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5484% | 6,298 |
| Cost of funding earning assets | 0.2585% | 6,639 |
| Net interest margin | 3.2899% | 5,278 |
| Noninterest income to average assets | 1.2949% | 916 |
| Noninterest expense to average assets | 3.4264% | 1,995 |
| Loan and lease loss provision to assets | 0.0391% | 5,382 |
| Net operating income to assets | 0.9595% | 2,502 |
| Return on assets (ROA) | 1.3862% | 1,236 |
| Pretax return on assets | 1.3862% | 2,084 |
| Return on Equity (ROE) | 15.4845% | 735 |
| Retained earnings to average equity (ytd only) | 10.3854% | 527 |
| Net charge-offs to loans | 0.1465% | 4,230 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 25.5238% | 1,133 |
| Efficiency ratio | 77.4316% | 2,526 |
| Assets per employee ($millions) | 3.4037% | 5,206 |
| Cash dividends to net income (ytd only)* | 32.9301% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,457 |
| Loan loss allowance to noncurrent loans | 89.0995% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 4,014 |
| Noncurrent loans to loans | 1.5037% | 3,347 |
| Net loans and leases to total assets | 25.4210% | 6,821 |
| Net loans and leases to deposits | 28.0493% | 6,869 |
| Net loans and leases to core deposits | 28.4727% | 6,878 |
| Total domestic deposits to total assets | 90.6296% | 649 |
| Equity capital to assets | 9.3006% | 5,154 |
| Core capital (leverage) ratio | 8.7449% | 5,259 |
| Tier 1 risk-based capital ratio | 23.8663% | 987 |
| Total risk-based capital ratio | 24.7970% | 1,008 |
| Memoranda: | ||
| Average total assets | $53,671,400 | 6,098 |
| Average earning assets | $51,065,600 | 6,007 |
| Average equity | $4,804,800 | 6,351 |
| Average total loans | $14,333,000 | 6,690 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5875% | 6,411 |
| Cost of funding earning assets | 0.2725% | 6,722 |
| Net interest margin | 3.3150% | 5,339 |
| Noninterest income to average assets | 1.3290% | 838 |
| Noninterest expense to average assets | 3.4583% | 1,863 |
| Loan and lease loss provision to assets | 0.0399% | 5,276 |
| Net operating income to assets | 0.9849% | 2,586 |
| Return on assets (ROA) | 1.3090% | 1,561 |
| Pretax return on assets | 1.3090% | 2,566 |
| Return on Equity (ROE) | 14.7683% | 939 |
| Retained earnings to average equity (ytd only) | 7.8764% | 1,673 |
| Net charge-offs to loans | 0.1110% | 4,281 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 34.2494% | 987 |
| Efficiency ratio | 77.1413% | 2,501 |
| Assets per employee ($millions) | 3.4721% | 5,031 |
| Cash dividends to net income (ytd only)* | 46.6670% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 4,456 |
| Loan loss allowance to noncurrent loans | 111.6279% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 4,434 |
| Noncurrent loans to loans | 1.2372% | 3,982 |
| Net loans and leases to total assets | 24.6791% | 6,951 |
| Net loans and leases to deposits | 27.2505% | 6,993 |
| Net loans and leases to core deposits | 27.6528% | 6,996 |
| Total domestic deposits to total assets | 90.5640% | 574 |
| Equity capital to assets | 9.0328% | 5,796 |
| Core capital (leverage) ratio | 8.4697% | 5,794 |
| Tier 1 risk-based capital ratio | 22.6990% | 1,222 |
| Total risk-based capital ratio | 23.6460% | 1,243 |
| Memoranda: | ||
| Average total assets | $53,474,500 | 6,173 |
| Average earning assets | $50,878,750 | 6,092 |
| Average equity | $4,739,750 | 6,448 |
| Average total loans | $14,408,250 | 6,773 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6934% | 6,348 |
| Cost of funding earning assets | 0.2866% | 6,778 |
| Net interest margin | 3.4069% | 5,053 |
| Noninterest income to average assets | 1.3376% | 799 |
| Noninterest expense to average assets | 3.5088% | 1,766 |
| Loan and lease loss provision to assets | 0.0189% | 5,429 |
| Net operating income to assets | 1.0534% | 2,233 |
| Return on assets (ROA) | 1.2770% | 1,661 |
| Pretax return on assets | 1.2770% | 2,636 |
| Return on Equity (ROE) | 14.5040% | 1,012 |
| Retained earnings to average equity (ytd only) | 3.9595% | 3,980 |
| Net charge-offs to loans | 0.0960% | 4,197 |
| Credit loss provision to net charge-offs | 71.4286% | 3,522 |
| Earnings coverage of net charge-offs (x) | 40.4286% | 863 |
| Efficiency ratio | 76.5922% | 2,655 |
| Assets per employee ($millions) | 3.3352% | 5,369 |
| Cash dividends to net income (ytd only)* | 72.7003% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,817 |
| Loan loss allowance to noncurrent loans | 86.1111% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 4,227 |
| Noncurrent loans to loans | 1.5299% | 3,610 |
| Net loans and leases to total assets | 26.1099% | 6,973 |
| Net loans and leases to deposits | 28.7955% | 7,029 |
| Net loans and leases to core deposits | 29.2372% | 7,038 |
| Total domestic deposits to total assets | 90.6733% | 578 |
| Equity capital to assets | 9.0156% | 5,683 |
| Core capital (leverage) ratio | 8.2435% | 5,997 |
| Tier 1 risk-based capital ratio | 21.7299% | 1,343 |
| Total risk-based capital ratio | 22.6456% | 1,384 |
| Memoranda: | ||
| Average total assets | $52,781,670 | 6,238 |
| Average earning assets | $50,251,330 | 6,147 |
| Average equity | $4,647,000 | 6,501 |
| Average total loans | $14,577,000 | 6,821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 6,205 |
| Cost of funding earning assets | 0.2963% | 6,851 |
| Net interest margin | 3.5239% | 4,586 |
| Noninterest income to average assets | 1.3336% | 803 |
| Noninterest expense to average assets | 3.5587% | 1,649 |
| Loan and lease loss provision to assets | 0.0381% | 4,909 |
| Net operating income to assets | 1.0897% | 2,141 |
| Return on assets (ROA) | 1.3031% | 1,620 |
| Pretax return on assets | 1.3031% | 2,527 |
| Return on Equity (ROE) | 14.9836% | 973 |
| Retained earnings to average equity (ytd only) | -6.4841% | 6,690 |
| Net charge-offs to loans | 0.2161% | 2,846 |
| Credit loss provision to net charge-offs | 62.5000% | 3,063 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,263 |
| Efficiency ratio | 75.9350% | 2,799 |
| Assets per employee ($millions) | 3.3651% | 5,422 |
| Cash dividends to net income (ytd only)* | 143.2749% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 5,189 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 4,296 |
| Noncurrent loans to loans | 1.5162% | 3,839 |
| Net loans and leases to total assets | 26.8513% | 7,007 |
| Net loans and leases to deposits | 29.3484% | 7,066 |
| Net loans and leases to core deposits | 29.7892% | 7,078 |
| Total domestic deposits to total assets | 91.4916% | 379 |
| Equity capital to assets | 8.3152% | 6,262 |
| Core capital (leverage) ratio | 8.1791% | 6,056 |
| Tier 1 risk-based capital ratio | 20.4437% | 1,606 |
| Total risk-based capital ratio | 21.3340% | 1,663 |
| Memoranda: | ||
| Average total assets | $52,491,000 | 6,290 |
| Average earning assets | $49,944,000 | 6,198 |
| Average equity | $4,565,000 | 6,559 |
| Average total loans | $14,806,000 | 6,872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 6,120 |
| Cost of funding earning assets | 0.4024% | 6,882 |
| Net interest margin | 3.7748% | 3,955 |
| Noninterest income to average assets | 1.3415% | 719 |
| Noninterest expense to average assets | 3.6457% | 1,650 |
| Loan and lease loss provision to assets | 0.0493% | 5,970 |
| Net operating income to assets | 1.2369% | 1,415 |
| Return on assets (ROA) | 1.3790% | 1,154 |
| Pretax return on assets | 1.3790% | 1,846 |
| Return on Equity (ROE) | 16.4858% | 537 |
| Retained earnings to average equity (ytd only) | 2.0283% | 4,768 |
| Net charge-offs to loans | 0.1838% | 4,674 |
| Credit loss provision to net charge-offs | 92.5926% | 3,892 |
| Earnings coverage of net charge-offs (x) | 24.1481% | 999 |
| Efficiency ratio | 73.9200% | 3,250 |
| Assets per employee ($millions) | 3.0083% | 6,064 |
| Cash dividends to net income (ytd only)* | 87.6967% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,133 |
| Loan loss allowance to noncurrent loans | 49.2147% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 4,047 |
| Noncurrent loans to loans | 2.5518% | 2,572 |
| Net loans and leases to total assets | 28.9044% | 7,037 |
| Net loans and leases to deposits | 31.8406% | 7,095 |
| Net loans and leases to core deposits | 32.3486% | 7,108 |
| Total domestic deposits to total assets | 90.7784% | 594 |
| Equity capital to assets | 9.0984% | 5,411 |
| Core capital (leverage) ratio | 8.2591% | 5,911 |
| Tier 1 risk-based capital ratio | 21.2592% | 1,368 |
| Total risk-based capital ratio | 22.1840% | 1,408 |
| Memoranda: | ||
| Average total assets | $50,689,400 | 6,344 |
| Average earning assets | $48,214,000 | 6,252 |
| Average equity | $4,240,000 | 6,683 |
| Average total loans | $14,688,800 | 6,920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 6,025 |
| Cost of funding earning assets | 0.4186% | 6,965 |
| Net interest margin | 3.8530% | 3,597 |
| Noninterest income to average assets | 1.3339% | 737 |
| Noninterest expense to average assets | 3.7039% | 1,489 |
| Loan and lease loss provision to assets | 0.0395% | 5,949 |
| Net operating income to assets | 1.2548% | 1,504 |
| Return on assets (ROA) | 1.2548% | 1,608 |
| Pretax return on assets | 1.2548% | 2,444 |
| Return on Equity (ROE) | 15.3418% | 776 |
| Retained earnings to average equity (ytd only) | -4.4155% | 6,549 |
| Net charge-offs to loans | 0.1551% | 4,529 |
| Credit loss provision to net charge-offs | 88.2353% | 3,835 |
| Earnings coverage of net charge-offs (x) | 28.8774% | 955 |
| Efficiency ratio | 74.1034% | 3,157 |
| Assets per employee ($millions) | 3.1405% | 5,812 |
| Cash dividends to net income (ytd only)* | 128.7812% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,909 |
| Loan loss allowance to noncurrent loans | 74.3083% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 4,749 |
| Noncurrent loans to loans | 1.7789% | 3,668 |
| Net loans and leases to total assets | 26.2863% | 7,187 |
| Net loans and leases to deposits | 28.9105% | 7,231 |
| Net loans and leases to core deposits | 29.3488% | 7,238 |
| Total domestic deposits to total assets | 90.9232% | 457 |
| Equity capital to assets | 8.6610% | 6,128 |
| Core capital (leverage) ratio | 7.9892% | 6,412 |
| Tier 1 risk-based capital ratio | 20.3303% | 1,608 |
| Total risk-based capital ratio | 21.2628% | 1,654 |
| Memoranda: | ||
| Average total assets | $50,576,500 | 6,408 |
| Average earning assets | $48,100,500 | 6,308 |
| Average equity | $4,136,750 | 6,768 |
| Average total loans | $14,618,500 | 6,987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 5,777 |
| Cost of funding earning assets | 0.4328% | 7,053 |
| Net interest margin | 3.9416% | 3,118 |
| Noninterest income to average assets | 1.3215% | 722 |
| Noninterest expense to average assets | 3.7672% | 1,404 |
| Loan and lease loss provision to assets | 0.0604% | 5,553 |
| Net operating income to assets | 1.2369% | 1,469 |
| Return on assets (ROA) | 1.2369% | 1,547 |
| Pretax return on assets | 1.2369% | 2,354 |
| Return on Equity (ROE) | 15.4491% | 729 |
| Retained earnings to average equity (ytd only) | -8.1020% | 6,780 |
| Net charge-offs to loans | 0.2441% | 3,660 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 1,279 |
| Efficiency ratio | 74.3835% | 3,294 |
| Assets per employee ($millions) | 2.9565% | 6,176 |
| Cash dividends to net income (ytd only)* | 152.4430% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 5,069 |
| Loan loss allowance to noncurrent loans | 62.9630% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 4,581 |
| Noncurrent loans to loans | 2.0619% | 3,395 |
| Net loans and leases to total assets | 28.2869% | 7,233 |
| Net loans and leases to deposits | 30.9227% | 7,294 |
| Net loans and leases to core deposits | 31.4348% | 7,306 |
| Total domestic deposits to total assets | 91.4763% | 347 |
| Equity capital to assets | 8.1994% | 6,515 |
| Core capital (leverage) ratio | 8.0993% | 6,167 |
| Tier 1 risk-based capital ratio | 20.5104% | 1,514 |
| Total risk-based capital ratio | 21.4516% | 1,549 |
| Memoranda: | ||
| Average total assets | $49,639,000 | 6,490 |
| Average earning assets | $47,137,670 | 6,393 |
| Average equity | $3,974,330 | 6,857 |
| Average total loans | $14,750,670 | 7,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 5,632 |
| Cost of funding earning assets | 0.4435% | 7,128 |
| Net interest margin | 3.9741% | 2,807 |
| Noninterest income to average assets | 1.3136% | 743 |
| Noninterest expense to average assets | 3.7544% | 1,432 |
| Loan and lease loss provision to assets | 0.1216% | 4,490 |
| Net operating income to assets | 1.2163% | 1,483 |
| Return on assets (ROA) | 1.2163% | 1,537 |
| Pretax return on assets | 1.2163% | 2,318 |
| Return on Equity (ROE) | 15.3807% | 763 |
| Retained earnings to average equity (ytd only) | -8.6132% | 6,792 |
| Net charge-offs to loans | 0.2412% | 3,112 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,186 |
| Efficiency ratio | 73.7261% | 3,567 |
| Assets per employee ($millions) | 2.9257% | 6,292 |
| Cash dividends to net income (ytd only)* | 156.0000% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 5,092 |
| Loan loss allowance to noncurrent loans | 56.6474% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 4,667 |
| Noncurrent loans to loans | 2.3101% | 3,179 |
| Net loans and leases to total assets | 29.7203% | 7,237 |
| Net loans and leases to deposits | 32.2259% | 7,318 |
| Net loans and leases to core deposits | 32.7586% | 7,336 |
| Total domestic deposits to total assets | 92.2251% | 235 |
| Equity capital to assets | 7.5839% | 6,823 |
| Core capital (leverage) ratio | 8.2926% | 5,825 |
| Tier 1 risk-based capital ratio | 20.4804% | 1,484 |
| Total risk-based capital ratio | 21.4472% | 1,517 |
| Memoranda: | ||
| Average total assets | $49,328,500 | 6,550 |
| Average earning assets | $46,903,500 | 6,458 |
| Average equity | $3,901,000 | 6,910 |
| Average total loans | $14,924,000 | 7,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 6,259 |
| Cost of funding earning assets | 0.4426% | 7,381 |
| Net interest margin | 4.1049% | 2,538 |
| Noninterest income to average assets | 1.4322% | 700 |
| Noninterest expense to average assets | 3.9066% | 1,308 |
| Loan and lease loss provision to assets | 0.0629% | 6,510 |
| Net operating income to assets | 1.3525% | 1,042 |
| Return on assets (ROA) | 1.4553% | 911 |
| Pretax return on assets | 1.4553% | 1,497 |
| Return on Equity (ROE) | 16.8520% | 492 |
| Retained earnings to average equity (ytd only) | 3.5938% | 3,340 |
| Net charge-offs to loans | 0.2588% | 4,742 |
| Credit loss provision to net charge-offs | 76.9231% | 5,664 |
| Earnings coverage of net charge-offs (x) | 17.3077% | 1,160 |
| Efficiency ratio | 73.4043% | 3,503 |
| Assets per employee ($millions) | 2.8776% | 6,387 |
| Cash dividends to net income (ytd only)* | 78.6744% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,118 |
| Loan loss allowance to noncurrent loans | 63.9731% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 4,901 |
| Noncurrent loans to loans | 1.9973% | 3,567 |
| Net loans and leases to total assets | 30.0082% | 7,354 |
| Net loans and leases to deposits | 32.7554% | 7,417 |
| Net loans and leases to core deposits | 33.3348% | 7,434 |
| Total domestic deposits to total assets | 91.6128% | 369 |
| Equity capital to assets | 8.2379% | 6,219 |
| Core capital (leverage) ratio | 8.6631% | 5,088 |
| Tier 1 risk-based capital ratio | 21.1219% | 1,301 |
| Total risk-based capital ratio | 22.0693% | 1,327 |
| Memoranda: | ||
| Average total assets | $47,689,000 | 6,609 |
| Average earning assets | $45,190,000 | 6,532 |
| Average equity | $4,118,200 | 6,953 |
| Average total loans | $15,071,800 | 7,161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 6,354 |
| Cost of funding earning assets | 0.4460% | 7,520 |
| Net interest margin | 4.1451% | 2,424 |
| Noninterest income to average assets | 1.4380% | 653 |
| Noninterest expense to average assets | 3.9452% | 1,128 |
| Loan and lease loss provision to assets | 0.0281% | 6,790 |
| Net operating income to assets | 1.3873% | 1,133 |
| Return on assets (ROA) | 1.3873% | 1,215 |
| Pretax return on assets | 1.3873% | 1,919 |
| Return on Equity (ROE) | 15.8763% | 720 |
| Retained earnings to average equity (ytd only) | -1.7067% | 6,138 |
| Net charge-offs to loans | 0.1940% | 4,788 |
| Credit loss provision to net charge-offs | 45.4545% | 5,951 |
| Earnings coverage of net charge-offs (x) | 22.8657% | 1,075 |
| Efficiency ratio | 73.5958% | 3,398 |
| Assets per employee ($millions) | 2.6728% | 6,817 |
| Cash dividends to net income (ytd only)* | 110.7497% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 5,336 |
| Loan loss allowance to noncurrent loans | 67.5090% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 4,548 |
| Noncurrent loans to loans | 1.8243% | 3,906 |
| Net loans and leases to total assets | 31.1717% | 7,437 |
| Net loans and leases to deposits | 34.3897% | 7,509 |
| Net loans and leases to core deposits | 34.3897% | 7,527 |
| Total domestic deposits to total assets | 90.6425% | 579 |
| Equity capital to assets | 8.8899% | 5,718 |
| Core capital (leverage) ratio | 8.4497% | 5,604 |
| Tier 1 risk-based capital ratio | 19.8476% | 1,580 |
| Total risk-based capital ratio | 20.7672% | 1,606 |
| Memoranda: | ||
| Average total assets | $47,381,250 | 6,707 |
| Average earning assets | $44,838,500 | 6,624 |
| Average equity | $4,140,250 | 7,034 |
| Average total loans | $15,122,250 | 7,252 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 6,491 |
| Cost of funding earning assets | 0.4488% | 7,605 |
| Net interest margin | 4.1382% | 2,387 |
| Noninterest income to average assets | 1.4256% | 624 |
| Noninterest expense to average assets | 3.9756% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3620% | 1,168 |
| Return on assets (ROA) | 1.3620% | 1,239 |
| Pretax return on assets | 1.3620% | 1,918 |
| Return on Equity (ROE) | 15.6789% | 742 |
| Retained earnings to average equity (ytd only) | -3.3702% | 6,349 |
| Net charge-offs to loans | 0.0662% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 64.2000% | 483 |
| Efficiency ratio | 74.4833% | 3,377 |
| Assets per employee ($millions) | 2.6147% | 6,922 |
| Cash dividends to net income (ytd only)* | 121.4953% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,938 |
| Loan loss allowance to noncurrent loans | 87.7828% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1771% | 4,786 |
| Noncurrent loans to loans | 1.4772% | 4,488 |
| Net loans and leases to total assets | 31.3758% | 7,498 |
| Net loans and leases to deposits | 34.5290% | 7,566 |
| Net loans and leases to core deposits | 34.5290% | 7,595 |
| Total domestic deposits to total assets | 90.8679% | 540 |
| Equity capital to assets | 8.7623% | 5,797 |
| Core capital (leverage) ratio | 8.4876% | 5,431 |
| Tier 1 risk-based capital ratio | 20.0289% | 1,514 |
| Total risk-based capital ratio | 20.9955% | 1,531 |
| Memoranda: | ||
| Average total assets | $47,138,000 | 6,759 |
| Average earning assets | $44,560,670 | 6,678 |
| Average equity | $4,094,670 | 7,086 |
| Average total loans | $15,101,670 | 7,310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 6,580 |
| Cost of funding earning assets | 0.4575% | 7,726 |
| Net interest margin | 4.1352% | 2,297 |
| Noninterest income to average assets | 1.3991% | 622 |
| Noninterest expense to average assets | 4.0615% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2464% | 1,411 |
| Return on assets (ROA) | 1.2464% | 1,483 |
| Pretax return on assets | 1.2464% | 2,216 |
| Return on Equity (ROE) | 14.4118% | 972 |
| Retained earnings to average equity (ytd only) | -1.9608% | 6,206 |
| Net charge-offs to loans | 0.2636% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 14.7000% | 1,416 |
| Efficiency ratio | 76.5176% | 3,129 |
| Assets per employee ($millions) | 2.7685% | 6,715 |
| Cash dividends to net income (ytd only)* | 113.6054% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 5,289 |
| Loan loss allowance to noncurrent loans | 343.6364% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 5,363 |
| Noncurrent loans to loans | 0.3603% | 6,582 |
| Net loans and leases to total assets | 32.0330% | 7,562 |
| Net loans and leases to deposits | 35.1980% | 7,640 |
| Net loans and leases to core deposits | 35.1980% | 7,665 |
| Total domestic deposits to total assets | 91.0080% | 543 |
| Equity capital to assets | 8.7498% | 5,653 |
| Core capital (leverage) ratio | 8.4559% | 5,455 |
| Tier 1 risk-based capital ratio | 19.9285% | 1,537 |
| Total risk-based capital ratio | 20.8541% | 1,568 |
| Memoranda: | ||
| Average total assets | $47,174,500 | 6,834 |
| Average earning assets | $44,592,500 | 6,755 |
| Average equity | $4,080,000 | 7,153 |
| Average total loans | $15,172,000 | 7,396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 7,126 |
| Cost of funding earning assets | 0.5376% | 7,813 |
| Net interest margin | 4.1708% | 2,177 |
| Noninterest income to average assets | 1.4173% | 727 |
| Noninterest expense to average assets | 3.9899% | 1,378 |
| Loan and lease loss provision to assets | 0.1162% | 6,485 |
| Net operating income to assets | 1.2441% | 1,142 |
| Return on assets (ROA) | 1.3687% | 954 |
| Pretax return on assets | 1.3687% | 1,505 |
| Return on Equity (ROE) | 15.7895% | 575 |
| Retained earnings to average equity (ytd only) | 0.2924% | 4,746 |
| Net charge-offs to loans | 0.4057% | 4,196 |
| Credit loss provision to net charge-offs | 87.3016% | 6,091 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 1,706 |
| Efficiency ratio | 74.5756% | 3,784 |
| Assets per employee ($millions) | 2.9553% | 6,334 |
| Cash dividends to net income (ytd only)* | 98.1481% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,651 |
| Loan loss allowance to noncurrent loans | 326.2295% | 976 |
| Noncurrent assets plus other real estate owned to assets | 1.2562% | 4,577 |
| Noncurrent loans to loans | 0.4045% | 6,472 |
| Net loans and leases to total assets | 31.4688% | 7,675 |
| Net loans and leases to deposits | 34.4564% | 7,754 |
| Net loans and leases to core deposits | 36.5638% | 7,805 |
| Total domestic deposits to total assets | 91.3292% | 426 |
| Equity capital to assets | 8.5482% | 5,813 |
| Core capital (leverage) ratio | 8.6370% | 5,039 |
| Tier 1 risk-based capital ratio | 18.7876% | 1,702 |
| Total risk-based capital ratio | 19.7022% | 1,725 |
| Memoranda: | ||
| Average total assets | $47,344,800 | 6,816 |
| Average earning assets | $44,643,400 | 6,734 |
| Average equity | $4,104,000 | 7,245 |
| Average total loans | $15,527,200 | 7,423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 7,230 |
| Cost of funding earning assets | 0.5587% | 7,908 |
| Net interest margin | 4.1765% | 2,129 |
| Noninterest income to average assets | 1.4048% | 770 |
| Noninterest expense to average assets | 4.0174% | 1,256 |
| Loan and lease loss provision to assets | 0.0845% | 6,520 |
| Net operating income to assets | 1.2387% | 1,378 |
| Return on assets (ROA) | 1.4048% | 1,084 |
| Pretax return on assets | 1.4048% | 1,681 |
| Return on Equity (ROE) | 16.1505% | 632 |
| Retained earnings to average equity (ytd only) | -4.4340% | 6,179 |
| Net charge-offs to loans | 0.2813% | 4,274 |
| Credit loss provision to net charge-offs | 90.9091% | 5,453 |
| Earnings coverage of net charge-offs (x) | 14.2420% | 1,612 |
| Efficiency ratio | 75.2240% | 3,652 |
| Assets per employee ($millions) | 2.7482% | 6,740 |
| Cash dividends to net income (ytd only)* | 127.4545% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 4,454 |
| Loan loss allowance to noncurrent loans | 95.7746% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 3,923 |
| Noncurrent loans to loans | 1.3656% | 4,643 |
| Net loans and leases to total assets | 32.9473% | 7,716 |
| Net loans and leases to deposits | 36.3651% | 7,812 |
| Net loans and leases to core deposits | 38.2682% | 7,871 |
| Total domestic deposits to total assets | 90.6015% | 550 |
| Equity capital to assets | 8.7821% | 5,827 |
| Core capital (leverage) ratio | 8.5024% | 5,492 |
| Tier 1 risk-based capital ratio | 19.1875% | 1,705 |
| Total risk-based capital ratio | 20.1812% | 1,726 |
| Memoranda: | ||
| Average total assets | $47,359,750 | 6,861 |
| Average earning assets | $44,629,500 | 6,791 |
| Average equity | $4,119,500 | 7,316 |
| Average total loans | $15,639,250 | 7,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 7,217 |
| Cost of funding earning assets | 0.5796% | 7,999 |
| Net interest margin | 4.2269% | 1,892 |
| Noninterest income to average assets | 1.3957% | 783 |
| Noninterest expense to average assets | 4.0107% | 1,304 |
| Loan and lease loss provision to assets | 0.0841% | 6,337 |
| Net operating income to assets | 1.2864% | 1,260 |
| Return on assets (ROA) | 1.5009% | 891 |
| Pretax return on assets | 1.5009% | 1,435 |
| Return on Equity (ROE) | 17.3091% | 551 |
| Retained earnings to average equity (ytd only) | -8.0970% | 6,678 |
| Net charge-offs to loans | 0.3322% | 3,522 |
| Credit loss provision to net charge-offs | 76.9231% | 5,283 |
| Earnings coverage of net charge-offs (x) | 12.5385% | 1,813 |
| Efficiency ratio | 74.5313% | 3,948 |
| Assets per employee ($millions) | 2.7025% | 6,826 |
| Cash dividends to net income (ytd only)* | 146.7787% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,459 |
| Loan loss allowance to noncurrent loans | 65.9016% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.5715% | 3,870 |
| Noncurrent loans to loans | 1.9282% | 3,633 |
| Net loans and leases to total assets | 33.9921% | 7,772 |
| Net loans and leases to deposits | 37.2632% | 7,883 |
| Net loans and leases to core deposits | 38.4579% | 7,946 |
| Total domestic deposits to total assets | 91.2217% | 397 |
| Equity capital to assets | 8.3778% | 6,229 |
| Core capital (leverage) ratio | 8.3122% | 5,776 |
| Tier 1 risk-based capital ratio | 19.0534% | 1,769 |
| Total risk-based capital ratio | 20.0331% | 1,777 |
| Memoranda: | ||
| Average total assets | $47,573,000 | 6,917 |
| Average earning assets | $44,856,000 | 6,844 |
| Average equity | $4,125,000 | 7,368 |
| Average total loans | $15,653,330 | 7,556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 7,201 |
| Cost of funding earning assets | 0.6052% | 8,050 |
| Net interest margin | 4.2806% | 1,647 |
| Noninterest income to average assets | 1.4053% | 713 |
| Noninterest expense to average assets | 3.8687% | 1,348 |
| Loan and lease loss provision to assets | 0.0413% | 6,451 |
| Net operating income to assets | 1.5293% | 889 |
| Return on assets (ROA) | 1.6698% | 755 |
| Pretax return on assets | 1.6698% | 1,244 |
| Return on Equity (ROE) | 18.9538% | 509 |
| Retained earnings to average equity (ytd only) | -0.9383% | 5,874 |
| Net charge-offs to loans | 0.2569% | 3,124 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,434 |
| Efficiency ratio | 71.1246% | 4,342 |
| Assets per employee ($millions) | 2.5585% | 7,166 |
| Cash dividends to net income (ytd only)* | 104.9505% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,073 |
| Loan loss allowance to noncurrent loans | 98.0583% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 4,115 |
| Noncurrent loans to loans | 1.3265% | 4,327 |
| Net loans and leases to total assets | 31.5313% | 7,878 |
| Net loans and leases to deposits | 34.6850% | 7,971 |
| Net loans and leases to core deposits | 35.8265% | 8,029 |
| Total domestic deposits to total assets | 90.9076% | 443 |
| Equity capital to assets | 8.8764% | 5,515 |
| Core capital (leverage) ratio | 8.2794% | 5,942 |
| Tier 1 risk-based capital ratio | 19.6844% | 1,681 |
| Total risk-based capital ratio | 20.6623% | 1,689 |
| Memoranda: | ||
| Average total assets | $48,388,000 | 6,933 |
| Average earning assets | $45,601,000 | 6,852 |
| Average equity | $4,263,000 | 7,361 |
| Average total loans | $15,571,000 | 7,604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0366% | 5,385 |
| Cost of funding earning assets | 1.1071% | 8,001 |
| Net interest margin | 4.9295% | 598 |
| Noninterest income to average assets | 1.4518% | 673 |
| Noninterest expense to average assets | 3.8563% | 1,649 |
| Loan and lease loss provision to assets | 0.2387% | 4,514 |
| Net operating income to assets | 2.0334% | 324 |
| Return on assets (ROA) | 2.0399% | 305 |
| Pretax return on assets | 2.0399% | 546 |
| Return on Equity (ROE) | 25.0240% | 136 |
| Retained earnings to average equity (ytd only) | 8.0929% | 820 |
| Net charge-offs to loans | 0.8804% | 1,409 |
| Credit loss provision to net charge-offs | 77.4648% | 5,948 |
| Earnings coverage of net charge-offs (x) | 7.3732% | 3,130 |
| Efficiency ratio | 62.9249% | 5,793 |
| Assets per employee ($millions) | 2.5349% | 7,139 |
| Cash dividends to net income (ytd only)* | 67.6596% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 3,615 |
| Loan loss allowance to noncurrent loans | 61.0619% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 3,102 |
| Noncurrent loans to loans | 2.1714% | 2,544 |
| Net loans and leases to total assets | 31.9845% | 7,944 |
| Net loans and leases to deposits | 35.1023% | 8,042 |
| Net loans and leases to core deposits | 36.2735% | 8,105 |
| Total domestic deposits to total assets | 91.1178% | 295 |
| Equity capital to assets | 8.7430% | 5,743 |
| Core capital (leverage) ratio | 8.5516% | 5,481 |
| Tier 1 risk-based capital ratio | 19.5472% | 1,696 |
| Total risk-based capital ratio | 20.5401% | 1,708 |
| Memoranda: | ||
| Average total assets | $46,080,200 | 6,933 |
| Average earning assets | $43,716,600 | 6,866 |
| Average equity | $3,756,400 | 7,592 |
| Average total loans | $16,129,400 | 7,578 |