Home > The Hill-Dodge Banking Company > Performance and Condition Ratios
The Hill-Dodge Banking Company, 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 | 4.6670% | 2,749 |
| Cost of funding earning assets | 0.7664% | 3,820 |
| Net interest margin | 3.9006% | 1,376 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.9222% | 3,792 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.8739% | 547 |
| Return on assets (ROA) | 1.8739% | 529 |
| Pretax return on assets | 1.8739% | 800 |
| Return on Equity (ROE) | 15.1100% | 1,268 |
| Retained earnings to average equity (ytd only) | 14.3175% | 377 |
| Net charge-offs to loans | -0.0427% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.2809% | 3,965 |
| Assets per employee ($millions) | 9.2850% | 889 |
| Cash dividends to net income (ytd only)* | 5.2531% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 555 |
| Loan loss allowance to noncurrent loans | 2,157.8947% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,408 |
| Noncurrent loans to loans | 0.0826% | 3,133 |
| Net loans and leases to total assets | 40.5300% | 4,023 |
| Net loans and leases to deposits | 47.0057% | 4,020 |
| Net loans and leases to core deposits | 48.8217% | 4,104 |
| Total domestic deposits to total assets | 86.2300% | 1,940 |
| Equity capital to assets | 13.5182% | 765 |
| Core capital (leverage) ratio | 14.0519% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $55,872,800 | 4,256 |
| Average earning assets | $50,889,000 | 4,240 |
| Average equity | $6,928,600 | 4,056 |
| Average total loans | $21,056,600 | 4,280 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 2,718 |
| Cost of funding earning assets | 0.6874% | 3,793 |
| Net interest margin | 3.8970% | 1,412 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.6525% | 4,186 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.0937% | 438 |
| Return on assets (ROA) | 2.0937% | 432 |
| Pretax return on assets | 2.0937% | 663 |
| Return on Equity (ROE) | 17.2700% | 1,034 |
| Retained earnings to average equity (ytd only) | 16.7794% | 405 |
| Net charge-offs to loans | -0.0259% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.6948% | 4,247 |
| Assets per employee ($millions) | 11.3788% | 459 |
| Cash dividends to net income (ytd only)* | 2.8474% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 424 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,655 |
| Noncurrent loans to loans | 0.0483% | 3,411 |
| Net loans and leases to total assets | 35.7000% | 4,193 |
| Net loans and leases to deposits | 40.9517% | 4,182 |
| Net loans and leases to core deposits | 42.0010% | 4,215 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 12.6164% | 889 |
| Core capital (leverage) ratio | 14.0175% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $55,913,500 | 4,271 |
| Average earning assets | $50,430,500 | 4,262 |
| Average equity | $6,778,000 | 4,071 |
| Average total loans | $20,572,750 | 4,298 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 2,650 |
| Cost of funding earning assets | 0.6086% | 3,728 |
| Net interest margin | 3.8892% | 1,447 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.5219% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2379% | 336 |
| Return on assets (ROA) | 2.2379% | 330 |
| Pretax return on assets | 2.2379% | 509 |
| Return on Equity (ROE) | 18.7200% | 867 |
| Retained earnings to average equity (ytd only) | 17.9693% | 342 |
| Net charge-offs to loans | -0.0292% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.4785% | 4,380 |
| Assets per employee ($millions) | 11.4392% | 447 |
| Cash dividends to net income (ytd only)* | 4.0193% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 480 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.7200% | 4,220 |
| Net loans and leases to deposits | 39.5953% | 4,225 |
| Net loans and leases to core deposits | 40.9092% | 4,243 |
| Total domestic deposits to total assets | 87.7000% | 1,707 |
| Equity capital to assets | 12.1477% | 1,009 |
| Core capital (leverage) ratio | 13.3017% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $55,586,667 | 4,293 |
| Average earning assets | $49,624,000 | 4,301 |
| Average equity | $6,644,667 | 4,113 |
| Average total loans | $20,525,333 | 4,321 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,399 |
| Cost of funding earning assets | 0.4734% | 3,771 |
| Net interest margin | 3.5547% | 2,233 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.6648% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9641% | 519 |
| Return on assets (ROA) | 1.9641% | 510 |
| Pretax return on assets | 1.9641% | 830 |
| Return on Equity (ROE) | 16.5700% | 1,247 |
| Retained earnings to average equity (ytd only) | 16.5717% | 632 |
| Net charge-offs to loans | -0.0387% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.8753% | 4,225 |
| Assets per employee ($millions) | 11.3902% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 514 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.9100% | 4,227 |
| Net loans and leases to deposits | 39.6336% | 4,234 |
| Net loans and leases to core deposits | 41.1554% | 4,242 |
| Total domestic deposits to total assets | 88.0900% | 1,898 |
| Equity capital to assets | 11.7083% | 1,087 |
| Core capital (leverage) ratio | 13.2736% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $54,782,000 | 4,366 |
| Average earning assets | $51,538,000 | 4,335 |
| Average equity | $6,493,000 | 4,188 |
| Average total loans | $20,662,500 | 4,384 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0509% | 4,075 |
| Cost of funding earning assets | 0.2911% | 2,955 |
| Net interest margin | 2.7597% | 3,960 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.7280% | 4,130 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1013% | 2,168 |
| Return on assets (ROA) | 1.1013% | 2,102 |
| Pretax return on assets | 1.0995% | 2,770 |
| Return on Equity (ROE) | 9.7700% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.7727% | 1,223 |
| Net charge-offs to loans | -0.2141% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7257% | 2,956 |
| Assets per employee ($millions) | 8.7688% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 588 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 39.2700% | 4,091 |
| Net loans and leases to deposits | 44.7203% | 4,090 |
| Net loans and leases to core deposits | 46.0170% | 4,118 |
| Total domestic deposits to total assets | 87.8200% | 2,135 |
| Equity capital to assets | 12.0084% | 935 |
| Core capital (leverage) ratio | 12.7531% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $55,209,000 | 4,385 |
| Average earning assets | $51,526,600 | 4,357 |
| Average equity | $6,221,400 | 4,304 |
| Average total loans | $19,614,000 | 4,420 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8192% | 4,169 |
| Cost of funding earning assets | 0.2635% | 2,563 |
| Net interest margin | 2.5557% | 4,157 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.5802% | 4,322 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0503% | 2,284 |
| Return on assets (ROA) | 1.0503% | 2,252 |
| Pretax return on assets | 1.0526% | 2,868 |
| Return on Equity (ROE) | 9.4700% | 2,884 |
| Retained earnings to average equity (ytd only) | 9.4663% | 1,492 |
| Net charge-offs to loans | -0.2839% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4789% | 3,188 |
| Assets per employee ($millions) | 9.4312% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1902% | 354 |
| Loan loss allowance to noncurrent loans | 4,344.4444% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,805 |
| Noncurrent loans to loans | 0.0504% | 3,513 |
| Net loans and leases to total assets | 30.8600% | 4,400 |
| Net loans and leases to deposits | 34.5947% | 4,404 |
| Net loans and leases to core deposits | 35.4848% | 4,411 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 10.7039% | 1,289 |
| Core capital (leverage) ratio | 12.2736% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $55,858,000 | 4,413 |
| Average earning assets | $52,118,000 | 4,385 |
| Average equity | $6,197,250 | 4,352 |
| Average total loans | $19,254,000 | 4,458 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5264% | 4,355 |
| Cost of funding earning assets | 0.2619% | 2,120 |
| Net interest margin | 2.2645% | 4,365 |
| Noninterest income to average assets | 0.2841% | 3,472 |
| Noninterest expense to average assets | 1.6039% | 4,302 |
| Loan and lease loss provision to assets | 0.0360% | 1,939 |
| Net operating income to assets | 0.7552% | 3,125 |
| Return on assets (ROA) | 0.7552% | 3,079 |
| Pretax return on assets | 0.7588% | 3,427 |
| Return on Equity (ROE) | 6.7265% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.7265% | 2,078 |
| Net charge-offs to loans | -0.4057% | 4,676 |
| Credit loss provision to net charge-offs | -25.0000% | 2,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8666% | 2,396 |
| Assets per employee ($millions) | 9.4802% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 610 |
| Loan loss allowance to noncurrent loans | 255.2632% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,977 |
| Noncurrent loans to loans | 0.7613% | 1,129 |
| Net loans and leases to total assets | 34.4175% | 4,312 |
| Net loans and leases to deposits | 38.6180% | 4,311 |
| Net loans and leases to core deposits | 39.6400% | 4,331 |
| Total domestic deposits to total assets | 89.1229% | 2,122 |
| Equity capital to assets | 10.7980% | 1,312 |
| Core capital (leverage) ratio | 12.2591% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,615,000 | 4,459 |
| Average earning assets | $51,931,333 | 4,440 |
| Average equity | $6,244,000 | 4,393 |
| Average total loans | $19,721,333 | 4,508 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3958% | 4,381 |
| Cost of funding earning assets | 0.2586% | 2,062 |
| Net interest margin | 2.1372% | 4,409 |
| Noninterest income to average assets | 0.2474% | 3,663 |
| Noninterest expense to average assets | 1.5860% | 4,318 |
| Loan and lease loss provision to assets | 0.0728% | 1,137 |
| Net operating income to assets | 0.6402% | 3,261 |
| Return on assets (ROA) | 0.6402% | 3,243 |
| Pretax return on assets | 0.6329% | 3,544 |
| Return on Equity (ROE) | 5.5917% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.5917% | 2,381 |
| Net charge-offs to loans | -0.4082% | 4,697 |
| Credit loss provision to net charge-offs | -50.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2063% | 2,342 |
| Assets per employee ($millions) | 8.7043% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 665 |
| Loan loss allowance to noncurrent loans | 241.1765% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 1,907 |
| Noncurrent loans to loans | 0.8137% | 1,160 |
| Net loans and leases to total assets | 35.2947% | 4,249 |
| Net loans and leases to deposits | 40.0691% | 4,246 |
| Net loans and leases to core deposits | 41.2012% | 4,268 |
| Total domestic deposits to total assets | 88.0845% | 2,486 |
| Equity capital to assets | 11.8045% | 1,022 |
| Core capital (leverage) ratio | 12.5841% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,982,000 | 4,486 |
| Average earning assets | $52,593,000 | 4,456 |
| Average equity | $6,295,000 | 4,436 |
| Average total loans | $19,599,500 | 4,528 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2135% | 3,443 |
| Cost of funding earning assets | 0.3125% | 2,269 |
| Net interest margin | 2.9010% | 3,438 |
| Noninterest income to average assets | 0.2691% | 3,778 |
| Noninterest expense to average assets | 1.7568% | 4,214 |
| Loan and lease loss provision to assets | 0.4095% | 165 |
| Net operating income to assets | 0.7254% | 3,552 |
| Return on assets (ROA) | 0.7254% | 3,616 |
| Pretax return on assets | 0.7273% | 3,871 |
| Return on Equity (ROE) | 5.8004% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.8004% | 2,442 |
| Net charge-offs to loans | 0.8811% | 71 |
| Credit loss provision to net charge-offs | 114.7541% | 1,680 |
| Earnings coverage of net charge-offs (x) | 3.1858% | 2,558 |
| Efficiency ratio | 60.7143% | 3,042 |
| Assets per employee ($millions) | 9.6230% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 1,136 |
| Loan loss allowance to noncurrent loans | 214.5570% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 2,129 |
| Noncurrent loans to loans | 0.7746% | 1,316 |
| Net loans and leases to total assets | 34.7397% | 4,345 |
| Net loans and leases to deposits | 39.1170% | 4,364 |
| Net loans and leases to core deposits | 39.7149% | 4,399 |
| Total domestic deposits to total assets | 88.8098% | 1,614 |
| Equity capital to assets | 11.1279% | 1,710 |
| Core capital (leverage) ratio | 11.1908% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,285,400 | 4,552 |
| Average earning assets | $46,397,600 | 4,546 |
| Average equity | $6,413,400 | 4,489 |
| Average total loans | $20,769,400 | 4,556 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 2,612 |
| Cost of funding earning assets | 0.3293% | 2,309 |
| Net interest margin | 3.2506% | 2,582 |
| Noninterest income to average assets | 0.2577% | 3,853 |
| Noninterest expense to average assets | 1.7769% | 4,207 |
| Loan and lease loss provision to assets | 0.1208% | 976 |
| Net operating income to assets | 1.2294% | 2,065 |
| Return on assets (ROA) | 1.2294% | 2,127 |
| Pretax return on assets | 1.2482% | 2,779 |
| Return on Equity (ROE) | 9.5258% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.5258% | 1,471 |
| Net charge-offs to loans | -0.0128% | 3,781 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4846% | 3,471 |
| Assets per employee ($millions) | 8.5123% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9729% | 669 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 863 |
| Noncurrent loans to loans | 2.2689% | 360 |
| Net loans and leases to total assets | 35.0217% | 4,430 |
| Net loans and leases to deposits | 40.2416% | 4,442 |
| Net loans and leases to core deposits | 41.2038% | 4,477 |
| Total domestic deposits to total assets | 87.0286% | 2,343 |
| Equity capital to assets | 12.9048% | 1,009 |
| Core capital (leverage) ratio | 12.7788% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,672,250 | 4,626 |
| Average earning assets | $44,134,000 | 4,636 |
| Average equity | $6,410,500 | 4,552 |
| Average total loans | $20,862,500 | 4,618 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 1,452 |
| Cost of funding earning assets | 0.3441% | 2,369 |
| Net interest margin | 3.7062% | 1,337 |
| Noninterest income to average assets | 0.2520% | 3,890 |
| Noninterest expense to average assets | 1.7803% | 4,226 |
| Loan and lease loss provision to assets | 0.1219% | 1,036 |
| Net operating income to assets | 1.5689% | 1,121 |
| Return on assets (ROA) | 1.5689% | 1,179 |
| Pretax return on assets | 1.5893% | 1,768 |
| Return on Equity (ROE) | 12.1568% | 1,995 |
| Retained earnings to average equity (ytd only) | 12.1568% | 880 |
| Net charge-offs to loans | -0.0092% | 3,640 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9895% | 4,146 |
| Assets per employee ($millions) | 8.3687% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,221 |
| Loan loss allowance to noncurrent loans | 80.3738% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 819 |
| Noncurrent loans to loans | 2.0195% | 483 |
| Net loans and leases to total assets | 41.5219% | 4,210 |
| Net loans and leases to deposits | 47.9431% | 4,222 |
| Net loans and leases to core deposits | 49.1675% | 4,272 |
| Total domestic deposits to total assets | 86.6068% | 2,502 |
| Equity capital to assets | 12.9909% | 947 |
| Core capital (leverage) ratio | 12.8680% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,205,000 | 4,659 |
| Average earning assets | $43,009,333 | 4,671 |
| Average equity | $6,350,333 | 4,586 |
| Average total loans | $21,734,333 | 4,636 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 1,165 |
| Cost of funding earning assets | 0.3492% | 2,524 |
| Net interest margin | 3.8694% | 1,035 |
| Noninterest income to average assets | 0.2793% | 3,730 |
| Noninterest expense to average assets | 1.7823% | 4,246 |
| Loan and lease loss provision to assets | 0.1232% | 1,118 |
| Net operating income to assets | 1.7248% | 904 |
| Return on assets (ROA) | 1.7248% | 950 |
| Pretax return on assets | 1.7412% | 1,412 |
| Return on Equity (ROE) | 13.4100% | 1,568 |
| Retained earnings to average equity (ytd only) | 13.4100% | 832 |
| Net charge-offs to loans | -0.0182% | 3,948 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8739% | 4,272 |
| Assets per employee ($millions) | 7.8507% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,886 |
| Loan loss allowance to noncurrent loans | 57.9225% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 548 |
| Noncurrent loans to loans | 2.4455% | 385 |
| Net loans and leases to total assets | 48.6095% | 3,749 |
| Net loans and leases to deposits | 56.3244% | 3,768 |
| Net loans and leases to core deposits | 57.4551% | 3,877 |
| Total domestic deposits to total assets | 86.3026% | 2,623 |
| Equity capital to assets | 13.4893% | 789 |
| Core capital (leverage) ratio | 13.2903% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,701,500 | 4,684 |
| Average earning assets | $42,384,000 | 4,696 |
| Average equity | $6,264,000 | 4,613 |
| Average total loans | $22,005,000 | 4,656 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 3,598 |
| Cost of funding earning assets | 0.4182% | 3,474 |
| Net interest margin | 3.2731% | 3,152 |
| Noninterest income to average assets | 0.9813% | 1,084 |
| Noninterest expense to average assets | 2.0334% | 4,078 |
| Loan and lease loss provision to assets | 1.8987% | 32 |
| Net operating income to assets | 0.0319% | 4,710 |
| Return on assets (ROA) | 0.0319% | 4,746 |
| Pretax return on assets | 0.0319% | 4,743 |
| Return on Equity (ROE) | 0.2225% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.2225% | 4,453 |
| Net charge-offs to loans | 3.4119% | 24 |
| Credit loss provision to net charge-offs | 110.3448% | 2,721 |
| Earnings coverage of net charge-offs (x) | 1.1220% | 3,279 |
| Efficiency ratio | 51.2953% | 4,440 |
| Assets per employee ($millions) | 8.3832% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,562 |
| Loan loss allowance to noncurrent loans | 52.6050% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 743 |
| Noncurrent loans to loans | 2.8628% | 321 |
| Net loans and leases to total assets | 40.6986% | 4,413 |
| Net loans and leases to deposits | 46.4743% | 4,445 |
| Net loans and leases to core deposits | 47.0230% | 4,515 |
| Total domestic deposits to total assets | 87.5723% | 1,671 |
| Equity capital to assets | 12.2746% | 1,437 |
| Core capital (leverage) ratio | 12.5215% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,819,200 | 4,722 |
| Average earning assets | $39,932,000 | 4,718 |
| Average equity | $6,292,000 | 4,609 |
| Average total loans | $22,099,200 | 4,677 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 3,271 |
| Cost of funding earning assets | 0.4307% | 3,637 |
| Net interest margin | 3.4629% | 2,710 |
| Noninterest income to average assets | 1.1880% | 756 |
| Noninterest expense to average assets | 2.2022% | 3,675 |
| Loan and lease loss provision to assets | 2.6280% | 29 |
| Net operating income to assets | -0.4392% | 4,890 |
| Return on assets (ROA) | -0.4392% | 4,896 |
| Pretax return on assets | -0.4171% | 4,883 |
| Return on Equity (ROE) | -2.9317% | 4,883 |
| Retained earnings to average equity (ytd only) | -2.9317% | 4,771 |
| Net charge-offs to loans | 4.4943% | 17 |
| Credit loss provision to net charge-offs | 110.0529% | 2,551 |
| Earnings coverage of net charge-offs (x) | 0.9259% | 3,108 |
| Efficiency ratio | 49.8926% | 4,502 |
| Assets per employee ($millions) | 7.4918% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,699 |
| Loan loss allowance to noncurrent loans | 53.7133% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 740 |
| Noncurrent loans to loans | 2.6259% | 393 |
| Net loans and leases to total assets | 48.3615% | 4,197 |
| Net loans and leases to deposits | 56.0240% | 4,257 |
| Net loans and leases to core deposits | 56.4049% | 4,370 |
| Total domestic deposits to total assets | 86.3229% | 1,929 |
| Equity capital to assets | 13.4102% | 1,025 |
| Core capital (leverage) ratio | 13.5625% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,199,250 | 4,764 |
| Average earning assets | $39,311,250 | 4,749 |
| Average equity | $6,321,500 | 4,628 |
| Average total loans | $22,428,000 | 4,700 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,462 |
| Cost of funding earning assets | 0.4532% | 3,778 |
| Net interest margin | 3.8499% | 1,691 |
| Noninterest income to average assets | 1.6908% | 370 |
| Noninterest expense to average assets | 2.3206% | 3,469 |
| Loan and lease loss provision to assets | 0.9205% | 241 |
| Net operating income to assets | 2.0057% | 333 |
| Return on assets (ROA) | 2.0057% | 367 |
| Pretax return on assets | 2.0299% | 512 |
| Return on Equity (ROE) | 12.8985% | 1,122 |
| Retained earnings to average equity (ytd only) | 12.8985% | 368 |
| Net charge-offs to loans | 1.4809% | 89 |
| Credit loss provision to net charge-offs | 113.7725% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.6467% | 2,664 |
| Efficiency ratio | 44.0257% | 4,808 |
| Assets per employee ($millions) | 5.8486% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,107 |
| Loan loss allowance to noncurrent loans | 43.1438% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4607% | 650 |
| Noncurrent loans to loans | 2.5316% | 453 |
| Net loans and leases to total assets | 57.0664% | 3,601 |
| Net loans and leases to deposits | 68.2829% | 3,540 |
| Net loans and leases to core deposits | 68.8078% | 3,805 |
| Total domestic deposits to total assets | 83.5735% | 2,897 |
| Equity capital to assets | 16.0699% | 467 |
| Core capital (leverage) ratio | 15.8141% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5297% | 379 |
| Memoranda: | ||
| Average total assets | $41,282,000 | 4,798 |
| Average earning assets | $38,390,667 | 4,781 |
| Average equity | $6,419,333 | 4,637 |
| Average total loans | $22,554,000 | 4,720 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,679 |
| Cost of funding earning assets | 0.4777% | 4,038 |
| Net interest margin | 3.5619% | 2,787 |
| Noninterest income to average assets | 3.0589% | 147 |
| Noninterest expense to average assets | 2.3352% | 3,689 |
| Loan and lease loss provision to assets | 0.1447% | 1,945 |
| Net operating income to assets | 3.8694% | 42 |
| Return on assets (ROA) | 3.8694% | 44 |
| Pretax return on assets | 3.8887% | 54 |
| Return on Equity (ROE) | 25.3017% | 63 |
| Retained earnings to average equity (ytd only) | 25.3017% | 30 |
| Net charge-offs to loans | 0.1635% | 805 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 46.4444% | 953 |
| Efficiency ratio | 36.6667% | 5,024 |
| Assets per employee ($millions) | 5.5809% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,257 |
| Loan loss allowance to noncurrent loans | 47.0703% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 891 |
| Noncurrent loans to loans | 2.3179% | 542 |
| Net loans and leases to total assets | 55.9259% | 3,844 |
| Net loans and leases to deposits | 67.4175% | 3,768 |
| Net loans and leases to core deposits | 67.9607% | 3,993 |
| Total domestic deposits to total assets | 82.9545% | 3,127 |
| Equity capital to assets | 16.7307% | 474 |
| Core capital (leverage) ratio | 16.0589% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8559% | 1,164 |
| Memoranda: | ||
| Average total assets | $41,453,000 | 4,823 |
| Average earning assets | $38,519,000 | 4,810 |
| Average equity | $6,339,500 | 4,680 |
| Average total loans | $22,020,500 | 4,764 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 3,360 |
| Cost of funding earning assets | 0.4823% | 4,165 |
| Net interest margin | 3.8798% | 2,241 |
| Noninterest income to average assets | 0.4505% | 3,002 |
| Noninterest expense to average assets | 2.3437% | 3,837 |
| Loan and lease loss provision to assets | 1.0305% | 91 |
| Net operating income to assets | 0.4841% | 4,442 |
| Return on assets (ROA) | 0.4841% | 4,490 |
| Pretax return on assets | 0.4889% | 4,593 |
| Return on Equity (ROE) | 3.2267% | 4,623 |
| Retained earnings to average equity (ytd only) | 0.4313% | 4,566 |
| Net charge-offs to loans | 2.1225% | 53 |
| Credit loss provision to net charge-offs | 87.7551% | 2,679 |
| Earnings coverage of net charge-offs (x) | 1.2939% | 3,557 |
| Efficiency ratio | 60.6700% | 3,591 |
| Assets per employee ($millions) | 5.4800% | 2,079 |
| Cash dividends to net income (ytd only)* | 86.6337% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,105 |
| Loan loss allowance to noncurrent loans | 73.8994% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,788 |
| Noncurrent loans to loans | 1.4486% | 1,009 |
| Net loans and leases to total assets | 49.5370% | 4,346 |
| Net loans and leases to deposits | 57.7995% | 4,381 |
| Net loans and leases to core deposits | 58.1991% | 4,513 |
| Total domestic deposits to total assets | 85.7048% | 2,190 |
| Equity capital to assets | 14.0123% | 1,092 |
| Core capital (leverage) ratio | 14.2401% | 868 |
| Tier 1 risk-based capital ratio | 21.9919% | 1,023 |
| Total risk-based capital ratio | 22.8375% | 1,049 |
| Memoranda: | ||
| Average total assets | $41,728,800 | 4,866 |
| Average earning assets | $36,702,800 | 4,882 |
| Average equity | $6,260,200 | 4,727 |
| Average total loans | $23,086,000 | 4,806 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 3,154 |
| Cost of funding earning assets | 0.4809% | 4,219 |
| Net interest margin | 3.9886% | 1,981 |
| Noninterest income to average assets | 0.4789% | 2,859 |
| Noninterest expense to average assets | 2.3073% | 3,935 |
| Loan and lease loss provision to assets | 0.1456% | 1,314 |
| Net operating income to assets | 1.4886% | 1,219 |
| Return on assets (ROA) | 1.4886% | 1,275 |
| Pretax return on assets | 1.4886% | 1,990 |
| Return on Equity (ROE) | 9.7515% | 2,537 |
| Retained earnings to average equity (ytd only) | 6.0417% | 2,356 |
| Net charge-offs to loans | 0.0057% | 3,188 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 506.2556% | 196 |
| Efficiency ratio | 58.5386% | 3,857 |
| Assets per employee ($millions) | 5.1883% | 2,353 |
| Cash dividends to net income (ytd only)* | 38.0438% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,418 |
| Loan loss allowance to noncurrent loans | 41.9036% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 457 |
| Noncurrent loans to loans | 3.4423% | 242 |
| Net loans and leases to total assets | 55.8064% | 4,060 |
| Net loans and leases to deposits | 66.2292% | 4,047 |
| Net loans and leases to core deposits | 66.7176% | 4,235 |
| Total domestic deposits to total assets | 84.2625% | 2,727 |
| Equity capital to assets | 15.4170% | 745 |
| Core capital (leverage) ratio | 15.2962% | 673 |
| Tier 1 risk-based capital ratio | 22.8843% | 954 |
| Total risk-based capital ratio | 24.1020% | 941 |
| Memoranda: | ||
| Average total assets | $41,201,000 | 4,947 |
| Average earning assets | $35,768,000 | 4,972 |
| Average equity | $6,289,500 | 4,783 |
| Average total loans | $23,369,500 | 4,866 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 3,002 |
| Cost of funding earning assets | 0.4801% | 4,206 |
| Net interest margin | 4.0240% | 1,848 |
| Noninterest income to average assets | 0.5548% | 2,366 |
| Noninterest expense to average assets | 2.2287% | 4,173 |
| Loan and lease loss provision to assets | 0.1460% | 1,265 |
| Net operating income to assets | 1.6059% | 896 |
| Return on assets (ROA) | 1.6059% | 935 |
| Pretax return on assets | 1.6059% | 1,531 |
| Return on Equity (ROE) | 10.5549% | 2,152 |
| Retained earnings to average equity (ytd only) | 10.5549% | 627 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9902% | 4,245 |
| Assets per employee ($millions) | 5.4764% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 1,845 |
| Loan loss allowance to noncurrent loans | 31.3102% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.7077% | 249 |
| Noncurrent loans to loans | 4.2857% | 154 |
| Net loans and leases to total assets | 62.3321% | 3,506 |
| Net loans and leases to deposits | 75.1770% | 3,409 |
| Net loans and leases to core deposits | 75.7850% | 3,750 |
| Total domestic deposits to total assets | 82.9138% | 3,232 |
| Equity capital to assets | 16.8019% | 493 |
| Core capital (leverage) ratio | 16.2620% | 516 |
| Tier 1 risk-based capital ratio | 22.4571% | 1,001 |
| Total risk-based capital ratio | 23.5947% | 1,001 |
| Memoranda: | ||
| Average total assets | $41,099,330 | 4,988 |
| Average earning assets | $34,990,000 | 5,027 |
| Average equity | $6,253,000 | 4,821 |
| Average total loans | $23,325,330 | 4,911 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 2,876 |
| Cost of funding earning assets | 0.4601% | 4,244 |
| Net interest margin | 4.0373% | 1,721 |
| Noninterest income to average assets | 0.3390% | 3,591 |
| Noninterest expense to average assets | 2.0621% | 4,528 |
| Loan and lease loss provision to assets | 0.1412% | 1,212 |
| Net operating income to assets | 1.4406% | 1,264 |
| Return on assets (ROA) | 1.4406% | 1,293 |
| Pretax return on assets | 1.4406% | 1,960 |
| Return on Equity (ROE) | 9.9367% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.9367% | 1,053 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5891% | 4,261 |
| Assets per employee ($millions) | 5.7340% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,716 |
| Loan loss allowance to noncurrent loans | 39.3901% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.0380% | 469 |
| Noncurrent loans to loans | 3.5268% | 257 |
| Net loans and leases to total assets | 54.8234% | 4,145 |
| Net loans and leases to deposits | 65.1537% | 4,113 |
| Net loans and leases to core deposits | 65.6474% | 4,296 |
| Total domestic deposits to total assets | 84.1447% | 2,994 |
| Equity capital to assets | 15.5613% | 637 |
| Core capital (leverage) ratio | 15.1382% | 669 |
| Tier 1 risk-based capital ratio | 23.2086% | 916 |
| Total risk-based capital ratio | 24.3619% | 903 |
| Memoranda: | ||
| Average total assets | $42,481,500 | 5,023 |
| Average earning assets | $34,775,500 | 5,088 |
| Average equity | $6,159,000 | 4,870 |
| Average total loans | $22,878,000 | 4,976 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 2,182 |
| Cost of funding earning assets | 0.4040% | 3,964 |
| Net interest margin | 4.1776% | 1,458 |
| Noninterest income to average assets | 0.4568% | 3,068 |
| Noninterest expense to average assets | 2.0506% | 4,655 |
| Loan and lease loss provision to assets | 0.1458% | 1,466 |
| Net operating income to assets | 1.5769% | 935 |
| Return on assets (ROA) | 1.5769% | 922 |
| Pretax return on assets | 1.5769% | 1,534 |
| Return on Equity (ROE) | 11.1489% | 2,025 |
| Retained earnings to average equity (ytd only) | 8.1427% | 1,170 |
| Net charge-offs to loans | 0.2502% | 770 |
| Credit loss provision to net charge-offs | 101.6949% | 2,478 |
| Earnings coverage of net charge-offs (x) | 12.0169% | 2,578 |
| Efficiency ratio | 54.3464% | 4,581 |
| Assets per employee ($millions) | 7.4708% | 804 |
| Cash dividends to net income (ytd only)* | 26.9646% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,258 |
| Loan loss allowance to noncurrent loans | 33.1834% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 458 |
| Noncurrent loans to loans | 3.7925% | 206 |
| Net loans and leases to total assets | 51.6364% | 4,424 |
| Net loans and leases to deposits | 59.8862% | 4,486 |
| Net loans and leases to core deposits | 60.2808% | 4,615 |
| Total domestic deposits to total assets | 86.2242% | 2,123 |
| Equity capital to assets | 13.5460% | 1,123 |
| Core capital (leverage) ratio | 13.8867% | 953 |
| Tier 1 risk-based capital ratio | 22.1168% | 1,015 |
| Total risk-based capital ratio | 23.1890% | 1,023 |
| Memoranda: | ||
| Average total assets | $41,157,800 | 5,079 |
| Average earning assets | $32,674,400 | 5,155 |
| Average equity | $5,821,200 | 4,927 |
| Average total loans | $23,579,800 | 4,984 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 2,199 |
| Cost of funding earning assets | 0.3921% | 3,918 |
| Net interest margin | 4.1359% | 1,534 |
| Noninterest income to average assets | 0.3711% | 3,653 |
| Noninterest expense to average assets | 1.8853% | 4,925 |
| Loan and lease loss provision to assets | 0.1491% | 1,327 |
| Net operating income to assets | 1.6566% | 825 |
| Return on assets (ROA) | 1.6566% | 837 |
| Pretax return on assets | 1.6566% | 1,394 |
| Return on Equity (ROE) | 11.5768% | 1,964 |
| Retained earnings to average equity (ytd only) | 7.5249% | 1,876 |
| Net charge-offs to loans | 0.1920% | 870 |
| Credit loss provision to net charge-offs | 132.3529% | 1,866 |
| Earnings coverage of net charge-offs (x) | 16.0302% | 2,188 |
| Efficiency ratio | 51.0772% | 4,875 |
| Assets per employee ($millions) | 6.7180% | 1,074 |
| Cash dividends to net income (ytd only)* | 35.0004% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 1,979 |
| Loan loss allowance to noncurrent loans | 38.8747% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.0219% | 524 |
| Noncurrent loans to loans | 3.4114% | 290 |
| Net loans and leases to total assets | 56.1154% | 4,212 |
| Net loans and leases to deposits | 65.9408% | 4,203 |
| Net loans and leases to core deposits | 66.4268% | 4,389 |
| Total domestic deposits to total assets | 85.0997% | 2,570 |
| Equity capital to assets | 14.6795% | 790 |
| Core capital (leverage) ratio | 14.8875% | 727 |
| Tier 1 risk-based capital ratio | 22.2860% | 1,014 |
| Total risk-based capital ratio | 23.4309% | 1,008 |
| Memoranda: | ||
| Average total assets | $40,241,000 | 5,160 |
| Average earning assets | $32,301,500 | 5,226 |
| Average equity | $5,758,500 | 4,989 |
| Average total loans | $23,614,500 | 5,041 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,085 |
| Cost of funding earning assets | 0.3765% | 3,901 |
| Net interest margin | 4.1234% | 1,481 |
| Noninterest income to average assets | 0.3978% | 3,505 |
| Noninterest expense to average assets | 1.8797% | 4,985 |
| Loan and lease loss provision to assets | 0.1492% | 1,274 |
| Net operating income to assets | 1.6908% | 735 |
| Return on assets (ROA) | 1.6908% | 742 |
| Pretax return on assets | 1.6908% | 1,239 |
| Return on Equity (ROE) | 11.9180% | 1,754 |
| Retained earnings to average equity (ytd only) | 5.7837% | 2,680 |
| Net charge-offs to loans | 0.1174% | 1,225 |
| Credit loss provision to net charge-offs | 214.2857% | 1,241 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,600 |
| Efficiency ratio | 50.5348% | 4,996 |
| Assets per employee ($millions) | 6.4355% | 1,201 |
| Cash dividends to net income (ytd only)* | 51.4706% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,315 |
| Loan loss allowance to noncurrent loans | 100.6494% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 1,878 |
| Noncurrent loans to loans | 1.2628% | 1,357 |
| Net loans and leases to total assets | 62.3624% | 3,556 |
| Net loans and leases to deposits | 73.4975% | 3,578 |
| Net loans and leases to core deposits | 73.4975% | 3,909 |
| Total domestic deposits to total assets | 84.8497% | 2,728 |
| Equity capital to assets | 14.9173% | 702 |
| Core capital (leverage) ratio | 14.8854% | 697 |
| Tier 1 risk-based capital ratio | 20.6869% | 1,221 |
| Total risk-based capital ratio | 21.7972% | 1,213 |
| Memoranda: | ||
| Average total assets | $40,218,670 | 5,218 |
| Average earning assets | $32,400,670 | 5,288 |
| Average equity | $5,705,670 | 5,049 |
| Average total loans | $23,845,000 | 5,092 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,010 |
| Cost of funding earning assets | 0.3734% | 3,793 |
| Net interest margin | 4.0823% | 1,482 |
| Noninterest income to average assets | 0.3705% | 3,656 |
| Noninterest expense to average assets | 1.9307% | 4,971 |
| Loan and lease loss provision to assets | 0.1463% | 1,270 |
| Net operating income to assets | 1.4919% | 1,101 |
| Return on assets (ROA) | 1.4919% | 1,107 |
| Pretax return on assets | 1.4919% | 1,698 |
| Return on Equity (ROE) | 10.7775% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.7775% | 947 |
| Net charge-offs to loans | 0.2376% | 643 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,820 |
| Efficiency ratio | 54.0984% | 4,789 |
| Assets per employee ($millions) | 6.4927% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,850 |
| Loan loss allowance to noncurrent loans | 176.6467% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 3,127 |
| Noncurrent loans to loans | 0.6752% | 2,527 |
| Net loans and leases to total assets | 62.7297% | 3,456 |
| Net loans and leases to deposits | 73.7721% | 3,434 |
| Net loans and leases to core deposits | 73.7721% | 3,836 |
| Total domestic deposits to total assets | 85.0318% | 2,920 |
| Equity capital to assets | 14.7577% | 727 |
| Core capital (leverage) ratio | 14.6588% | 725 |
| Tier 1 risk-based capital ratio | 20.4303% | 1,275 |
| Total risk-based capital ratio | 21.4759% | 1,279 |
| Memoranda: | ||
| Average total assets | $41,021,500 | 5,265 |
| Average earning assets | $32,139,000 | 5,349 |
| Average equity | $5,678,500 | 5,105 |
| Average total loans | $23,572,500 | 5,157 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,294 |
| Cost of funding earning assets | 0.3777% | 3,439 |
| Net interest margin | 3.9313% | 1,984 |
| Noninterest income to average assets | 0.6647% | 2,119 |
| Noninterest expense to average assets | 2.8731% | 2,543 |
| Loan and lease loss provision to assets | 2.4950% | 28 |
| Net operating income to assets | -1.5702% | 5,626 |
| Return on assets (ROA) | -1.5702% | 5,626 |
| Pretax return on assets | -1.5702% | 5,632 |
| Return on Equity (ROE) | -10.5796% | 5,595 |
| Retained earnings to average equity (ytd only) | -13.4192% | 5,581 |
| Net charge-offs to loans | 4.2954% | 20 |
| Credit loss provision to net charge-offs | 100.2904% | 2,551 |
| Earnings coverage of net charge-offs (x) | 0.3717% | 3,996 |
| Efficiency ratio | 75.6500% | 1,676 |
| Assets per employee ($millions) | 7.1812% | 898 |
| Cash dividends to net income (ytd only)* | -26.8405% | 5,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,164 |
| Loan loss allowance to noncurrent loans | 133.6364% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 2,860 |
| Noncurrent loans to loans | 0.9816% | 1,805 |
| Net loans and leases to total assets | 51.3357% | 4,570 |
| Net loans and leases to deposits | 59.1401% | 4,628 |
| Net loans and leases to core deposits | 59.1401% | 4,793 |
| Total domestic deposits to total assets | 86.8034% | 2,086 |
| Equity capital to assets | 13.0155% | 1,260 |
| Core capital (leverage) ratio | 12.8430% | 1,200 |
| Tier 1 risk-based capital ratio | 21.8928% | 1,031 |
| Total risk-based capital ratio | 23.0397% | 1,020 |
| Memoranda: | ||
| Average total assets | $41,522,400 | 5,310 |
| Average earning assets | $33,093,000 | 5,385 |
| Average equity | $6,162,800 | 5,079 |
| Average total loans | $24,049,000 | 5,189 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,260 |
| Cost of funding earning assets | 0.3688% | 3,474 |
| Net interest margin | 3.9302% | 1,929 |
| Noninterest income to average assets | 0.4052% | 3,652 |
| Noninterest expense to average assets | 2.8267% | 2,641 |
| Loan and lease loss provision to assets | 3.3291% | 23 |
| Net operating income to assets | -2.5641% | 5,716 |
| Return on assets (ROA) | -2.5641% | 5,716 |
| Pretax return on assets | -2.5381% | 5,716 |
| Return on Equity (ROE) | -16.7363% | 5,703 |
| Retained earnings to average equity (ytd only) | -20.4391% | 5,680 |
| Net charge-offs to loans | 0.1418% | 1,397 |
| Credit loss provision to net charge-offs | 3,950.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 9.3836% | 2,698 |
| Efficiency ratio | 78.1362% | 1,318 |
| Assets per employee ($millions) | 6.6390% | 1,107 |
| Cash dividends to net income (ytd only)* | -22.1241% | 5,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1164% | 37 |
| Loan loss allowance to noncurrent loans | 71.8177% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 4.5162% | 133 |
| Noncurrent loans to loans | 7.1242% | 68 |
| Net loans and leases to total assets | 60.1496% | 3,847 |
| Net loans and leases to deposits | 69.9195% | 3,969 |
| Net loans and leases to core deposits | 69.9195% | 4,245 |
| Total domestic deposits to total assets | 86.0270% | 2,297 |
| Equity capital to assets | 13.7696% | 1,058 |
| Core capital (leverage) ratio | 13.5112% | 1,021 |
| Tier 1 risk-based capital ratio | 19.8398% | 1,398 |
| Total risk-based capital ratio | 21.1303% | 1,348 |
| Memoranda: | ||
| Average total assets | $41,131,250 | 5,373 |
| Average earning assets | $33,619,250 | 5,430 |
| Average equity | $6,301,500 | 5,115 |
| Average total loans | $24,458,000 | 5,230 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 1,905 |
| Cost of funding earning assets | 0.3659% | 3,421 |
| Net interest margin | 4.0071% | 1,580 |
| Noninterest income to average assets | 0.4427% | 3,401 |
| Noninterest expense to average assets | 1.8766% | 5,218 |
| Loan and lease loss provision to assets | 0.0866% | 2,253 |
| Net operating income to assets | 1.7178% | 547 |
| Return on assets (ROA) | 1.7178% | 549 |
| Pretax return on assets | 1.7467% | 958 |
| Return on Equity (ROE) | 10.8615% | 1,694 |
| Retained earnings to average equity (ytd only) | 5.5372% | 2,385 |
| Net charge-offs to loans | 0.1323% | 1,365 |
| Credit loss provision to net charge-offs | 112.5000% | 1,857 |
| Earnings coverage of net charge-offs (x) | 23.8125% | 1,663 |
| Efficiency ratio | 50.5837% | 5,272 |
| Assets per employee ($millions) | 7.8874% | 645 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,318 |
| Loan loss allowance to noncurrent loans | 665.9091% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 4,751 |
| Noncurrent loans to loans | 0.1726% | 4,431 |
| Net loans and leases to total assets | 63.8943% | 3,400 |
| Net loans and leases to deposits | 76.9875% | 3,217 |
| Net loans and leases to core deposits | 76.9875% | 3,684 |
| Total domestic deposits to total assets | 82.9931% | 3,569 |
| Equity capital to assets | 16.8294% | 427 |
| Core capital (leverage) ratio | 16.7083% | 393 |
| Tier 1 risk-based capital ratio | 23.6032% | 890 |
| Total risk-based capital ratio | 24.6479% | 890 |
| Memoranda: | ||
| Average total assets | $41,563,670 | 5,415 |
| Average earning assets | $33,889,670 | 5,473 |
| Average equity | $6,573,670 | 5,098 |
| Average total loans | $24,193,330 | 5,276 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 1,794 |
| Cost of funding earning assets | 0.3661% | 3,358 |
| Net interest margin | 3.9917% | 1,492 |
| Noninterest income to average assets | 0.3753% | 3,836 |
| Noninterest expense to average assets | 1.7454% | 5,432 |
| Loan and lease loss provision to assets | 0.0845% | 2,127 |
| Net operating income to assets | 1.6891% | 565 |
| Return on assets (ROA) | 1.6891% | 578 |
| Pretax return on assets | 1.7172% | 973 |
| Return on Equity (ROE) | 11.0058% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.0058% | 607 |
| Net charge-offs to loans | -0.0170% | 4,653 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2063% | 5,413 |
| Assets per employee ($millions) | 7.9848% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,511 |
| Loan loss allowance to noncurrent loans | 640.4255% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,795 |
| Noncurrent loans to loans | 0.2040% | 4,388 |
| Net loans and leases to total assets | 56.9607% | 4,070 |
| Net loans and leases to deposits | 68.4805% | 3,945 |
| Net loans and leases to core deposits | 68.4805% | 4,259 |
| Total domestic deposits to total assets | 83.1780% | 3,771 |
| Equity capital to assets | 16.6141% | 419 |
| Core capital (leverage) ratio | 16.1794% | 442 |
| Tier 1 risk-based capital ratio | 25.5215% | 729 |
| Total risk-based capital ratio | 26.6821% | 718 |
| Memoranda: | ||
| Average total assets | $42,627,000 | 5,453 |
| Average earning assets | $33,870,500 | 5,540 |
| Average equity | $6,542,000 | 5,151 |
| Average total loans | $23,544,500 | 5,351 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 1,187 |
| Cost of funding earning assets | 0.3893% | 3,108 |
| Net interest margin | 4.2518% | 1,012 |
| Noninterest income to average assets | 0.3954% | 3,925 |
| Noninterest expense to average assets | 1.8113% | 5,465 |
| Loan and lease loss provision to assets | 0.1186% | 2,091 |
| Net operating income to assets | 1.8385% | 411 |
| Return on assets (ROA) | 1.8385% | 427 |
| Pretax return on assets | 1.8657% | 669 |
| Return on Equity (ROE) | 12.1959% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.1959% | 208 |
| Net charge-offs to loans | 0.1940% | 1,430 |
| Credit loss provision to net charge-offs | 102.1277% | 2,521 |
| Earnings coverage of net charge-offs (x) | 17.0851% | 2,073 |
| Efficiency ratio | 47.7214% | 5,581 |
| Assets per employee ($millions) | 9.0660% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,060 |
| Loan loss allowance to noncurrent loans | 145.5000% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 3,503 |
| Noncurrent loans to loans | 0.8317% | 2,446 |
| Net loans and leases to total assets | 52.4068% | 4,572 |
| Net loans and leases to deposits | 61.2300% | 4,593 |
| Net loans and leases to core deposits | 61.2300% | 4,793 |
| Total domestic deposits to total assets | 85.5901% | 2,786 |
| Equity capital to assets | 14.2312% | 818 |
| Core capital (leverage) ratio | 14.9041% | 616 |
| Tier 1 risk-based capital ratio | 24.7359% | 796 |
| Total risk-based capital ratio | 25.8538% | 791 |
| Memoranda: | ||
| Average total assets | $40,467,200 | 5,533 |
| Average earning assets | $32,362,800 | 5,622 |
| Average equity | $6,100,400 | 5,264 |
| Average total loans | $24,226,800 | 5,380 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,098 |
| Cost of funding earning assets | 0.3925% | 3,098 |
| Net interest margin | 4.2927% | 943 |
| Noninterest income to average assets | 0.3567% | 4,233 |
| Noninterest expense to average assets | 1.8207% | 5,493 |
| Loan and lease loss provision to assets | 0.1631% | 1,411 |
| Net operating income to assets | 1.8716% | 430 |
| Return on assets (ROA) | 1.8716% | 447 |
| Pretax return on assets | 1.9022% | 708 |
| Return on Equity (ROE) | 12.2182% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.2182% | 279 |
| Net charge-offs to loans | 0.1978% | 1,182 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 16.8885% | 2,086 |
| Efficiency ratio | 46.8531% | 5,635 |
| Assets per employee ($millions) | 8.1746% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,608 |
| Loan loss allowance to noncurrent loans | 190.5660% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,865 |
| Noncurrent loans to loans | 0.6898% | 2,968 |
| Net loans and leases to total assets | 55.6553% | 4,343 |
| Net loans and leases to deposits | 65.9592% | 4,349 |
| Net loans and leases to core deposits | 65.9592% | 4,609 |
| Total domestic deposits to total assets | 84.3784% | 3,071 |
| Equity capital to assets | 15.4087% | 646 |
| Core capital (leverage) ratio | 15.6573% | 534 |
| Tier 1 risk-based capital ratio | 24.9491% | 820 |
| Total risk-based capital ratio | 26.1594% | 804 |
| Memoranda: | ||
| Average total assets | $39,251,500 | 5,608 |
| Average earning assets | $32,270,750 | 5,681 |
| Average equity | $6,012,750 | 5,331 |
| Average total loans | $24,271,750 | 5,432 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,131 |
| Cost of funding earning assets | 0.3878% | 3,175 |
| Net interest margin | 4.2777% | 969 |
| Noninterest income to average assets | 0.3617% | 4,176 |
| Noninterest expense to average assets | 1.8341% | 5,549 |
| Loan and lease loss provision to assets | 0.2480% | 783 |
| Net operating income to assets | 1.8393% | 446 |
| Return on assets (ROA) | 1.8393% | 470 |
| Pretax return on assets | 1.8703% | 744 |
| Return on Equity (ROE) | 12.0318% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.0318% | 321 |
| Net charge-offs to loans | 0.2836% | 838 |
| Credit loss provision to net charge-offs | 137.1429% | 1,705 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 2,236 |
| Efficiency ratio | 46.4052% | 5,738 |
| Assets per employee ($millions) | 8.0124% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,804 |
| Loan loss allowance to noncurrent loans | 246.3415% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 4,276 |
| Noncurrent loans to loans | 0.5266% | 3,503 |
| Net loans and leases to total assets | 57.5483% | 4,162 |
| Net loans and leases to deposits | 68.0832% | 4,177 |
| Net loans and leases to core deposits | 68.0832% | 4,466 |
| Total domestic deposits to total assets | 84.5265% | 3,080 |
| Equity capital to assets | 15.2613% | 679 |
| Core capital (leverage) ratio | 15.2104% | 572 |
| Tier 1 risk-based capital ratio | 24.1509% | 888 |
| Total risk-based capital ratio | 25.3602% | 878 |
| Memoranda: | ||
| Average total assets | $38,711,000 | 5,680 |
| Average earning assets | $32,494,330 | 5,744 |
| Average equity | $5,917,670 | 5,401 |
| Average total loans | $24,678,670 | 5,475 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 915 |
| Cost of funding earning assets | 0.3890% | 3,202 |
| Net interest margin | 4.3766% | 782 |
| Noninterest income to average assets | 0.3681% | 4,088 |
| Noninterest expense to average assets | 1.8509% | 5,587 |
| Loan and lease loss provision to assets | 0.5048% | 242 |
| Net operating income to assets | 1.7668% | 494 |
| Return on assets (ROA) | 1.7668% | 530 |
| Pretax return on assets | 1.7983% | 850 |
| Return on Equity (ROE) | 11.5474% | 1,443 |
| Retained earnings to average equity (ytd only) | 11.5474% | 569 |
| Net charge-offs to loans | 0.0474% | 2,087 |
| Credit loss provision to net charge-offs | 1,600.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 672 |
| Efficiency ratio | 44.5570% | 5,854 |
| Assets per employee ($millions) | 7.6446% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 2,566 |
| Loan loss allowance to noncurrent loans | 138.4298% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 3,160 |
| Noncurrent loans to loans | 0.9893% | 2,406 |
| Net loans and leases to total assets | 63.1191% | 3,369 |
| Net loans and leases to deposits | 74.8534% | 3,334 |
| Net loans and leases to core deposits | 74.8534% | 3,806 |
| Total domestic deposits to total assets | 84.3236% | 3,385 |
| Equity capital to assets | 15.4645% | 606 |
| Core capital (leverage) ratio | 15.2814% | 564 |
| Tier 1 risk-based capital ratio | 22.6563% | 1,065 |
| Total risk-based capital ratio | 23.9122% | 1,037 |
| Memoranda: | ||
| Average total assets | $38,035,500 | 5,757 |
| Average earning assets | $32,902,500 | 5,792 |
| Average equity | $5,819,500 | 5,448 |
| Average total loans | $25,339,000 | 5,499 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 1,186 |
| Cost of funding earning assets | 0.3811% | 3,352 |
| Net interest margin | 4.2839% | 993 |
| Noninterest income to average assets | 0.4436% | 3,722 |
| Noninterest expense to average assets | 2.0003% | 5,457 |
| Loan and lease loss provision to assets | 0.0923% | 2,461 |
| Net operating income to assets | 2.0131% | 337 |
| Return on assets (ROA) | 2.0131% | 346 |
| Pretax return on assets | 2.0413% | 497 |
| Return on Equity (ROE) | 14.7103% | 733 |
| Retained earnings to average equity (ytd only) | 14.7103% | 141 |
| Net charge-offs to loans | 0.1214% | 2,168 |
| Credit loss provision to net charge-offs | 116.1290% | 2,206 |
| Earnings coverage of net charge-offs (x) | 26.8387% | 1,568 |
| Efficiency ratio | 48.3871% | 5,827 |
| Assets per employee ($millions) | 7.5696% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 4,015 |
| Loan loss allowance to noncurrent loans | 725.0000% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,179 |
| Noncurrent loans to loans | 0.1526% | 4,885 |
| Net loans and leases to total assets | 68.5030% | 2,625 |
| Net loans and leases to deposits | 80.8501% | 2,729 |
| Net loans and leases to core deposits | 80.8501% | 3,256 |
| Total domestic deposits to total assets | 84.7284% | 3,199 |
| Equity capital to assets | 15.1342% | 648 |
| Core capital (leverage) ratio | 14.8072% | 651 |
| Tier 1 risk-based capital ratio | 20.6865% | 1,350 |
| Total risk-based capital ratio | 21.7399% | 1,361 |
| Memoranda: | ||
| Average total assets | $38,994,800 | 5,781 |
| Average earning assets | $33,591,200 | 5,827 |
| Average equity | $5,336,400 | 5,576 |
| Average total loans | $25,532,200 | 5,532 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,277 |
| Cost of funding earning assets | 0.3776% | 3,464 |
| Net interest margin | 4.2455% | 1,063 |
| Noninterest income to average assets | 0.3530% | 4,418 |
| Noninterest expense to average assets | 1.9143% | 5,618 |
| Loan and lease loss provision to assets | 0.0916% | 2,337 |
| Net operating income to assets | 1.9449% | 395 |
| Return on assets (ROA) | 1.9449% | 411 |
| Pretax return on assets | 1.9720% | 631 |
| Return on Equity (ROE) | 14.5839% | 796 |
| Retained earnings to average equity (ytd only) | 14.5839% | 185 |
| Net charge-offs to loans | 0.0578% | 2,772 |
| Credit loss provision to net charge-offs | 245.4545% | 1,151 |
| Earnings coverage of net charge-offs (x) | 55.2590% | 975 |
| Efficiency ratio | 48.1229% | 5,863 |
| Assets per employee ($millions) | 7.7946% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,876 |
| Loan loss allowance to noncurrent loans | 567.9245% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 5,002 |
| Noncurrent loans to loans | 0.2042% | 4,831 |
| Net loans and leases to total assets | 65.8353% | 3,041 |
| Net loans and leases to deposits | 76.8963% | 3,208 |
| Net loans and leases to core deposits | 76.8963% | 3,702 |
| Total domestic deposits to total assets | 85.6157% | 2,728 |
| Equity capital to assets | 14.2124% | 941 |
| Core capital (leverage) ratio | 14.3922% | 756 |
| Tier 1 risk-based capital ratio | 20.0718% | 1,527 |
| Total risk-based capital ratio | 21.1736% | 1,529 |
| Memoranda: | ||
| Average total assets | $39,281,500 | 5,856 |
| Average earning assets | $33,540,750 | 5,900 |
| Average equity | $5,238,500 | 5,667 |
| Average total loans | $25,361,000 | 5,600 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 1,374 |
| Cost of funding earning assets | 0.3816% | 3,467 |
| Net interest margin | 4.1800% | 1,150 |
| Noninterest income to average assets | 0.3504% | 4,452 |
| Noninterest expense to average assets | 1.9145% | 5,690 |
| Loan and lease loss provision to assets | 0.0914% | 2,290 |
| Net operating income to assets | 1.8789% | 443 |
| Return on assets (ROA) | 1.8789% | 462 |
| Pretax return on assets | 1.9043% | 726 |
| Return on Equity (ROE) | 14.4016% | 835 |
| Retained earnings to average equity (ytd only) | 14.4016% | 218 |
| Net charge-offs to loans | 0.0874% | 2,162 |
| Credit loss provision to net charge-offs | 163.6364% | 1,444 |
| Earnings coverage of net charge-offs (x) | 35.7273% | 1,217 |
| Efficiency ratio | 48.9610% | 5,906 |
| Assets per employee ($millions) | 6.2812% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,066 |
| Loan loss allowance to noncurrent loans | 463.4921% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 5,206 |
| Noncurrent loans to loans | 0.2488% | 4,772 |
| Net loans and leases to total assets | 66.4181% | 2,886 |
| Net loans and leases to deposits | 77.5122% | 3,094 |
| Net loans and leases to core deposits | 77.5122% | 3,627 |
| Total domestic deposits to total assets | 85.6874% | 2,844 |
| Equity capital to assets | 14.1269% | 948 |
| Core capital (leverage) ratio | 13.7698% | 912 |
| Tier 1 risk-based capital ratio | 19.9434% | 1,561 |
| Total risk-based capital ratio | 21.0461% | 1,556 |
| Memoranda: | ||
| Average total assets | $39,384,330 | 5,913 |
| Average earning assets | $33,541,000 | 5,967 |
| Average equity | $5,138,330 | 5,743 |
| Average total loans | $25,161,670 | 5,659 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 1,642 |
| Cost of funding earning assets | 0.3786% | 3,543 |
| Net interest margin | 4.0580% | 1,394 |
| Noninterest income to average assets | 0.3380% | 4,490 |
| Noninterest expense to average assets | 1.8492% | 5,824 |
| Loan and lease loss provision to assets | 0.0895% | 2,199 |
| Net operating income to assets | 1.7796% | 499 |
| Return on assets (ROA) | 1.7796% | 527 |
| Pretax return on assets | 1.8095% | 852 |
| Return on Equity (ROE) | 14.1909% | 842 |
| Retained earnings to average equity (ytd only) | 14.1909% | 342 |
| Net charge-offs to loans | 0.0638% | 2,109 |
| Credit loss provision to net charge-offs | 225.0000% | 972 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 860 |
| Efficiency ratio | 49.3369% | 5,959 |
| Assets per employee ($millions) | 6.1078% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 4,350 |
| Loan loss allowance to noncurrent loans | 432.8358% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 5,215 |
| Noncurrent loans to loans | 0.2620% | 4,845 |
| Net loans and leases to total assets | 68.9879% | 2,287 |
| Net loans and leases to deposits | 81.1882% | 2,424 |
| Net loans and leases to core deposits | 81.1882% | 3,036 |
| Total domestic deposits to total assets | 84.9728% | 3,425 |
| Equity capital to assets | 14.0612% | 964 |
| Core capital (leverage) ratio | 13.2968% | 1,052 |
| Tier 1 risk-based capital ratio | 18.9501% | 1,884 |
| Total risk-based capital ratio | 20.0298% | 1,883 |
| Memoranda: | ||
| Average total assets | $40,233,000 | 5,955 |
| Average earning assets | $33,810,000 | 6,016 |
| Average equity | $5,045,500 | 5,822 |
| Average total loans | $25,081,000 | 5,711 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 1,662 |
| Cost of funding earning assets | 0.4410% | 3,259 |
| Net interest margin | 4.1199% | 1,514 |
| Noninterest income to average assets | 0.3934% | 4,239 |
| Noninterest expense to average assets | 1.9392% | 5,883 |
| Loan and lease loss provision to assets | 0.0914% | 2,639 |
| Net operating income to assets | 1.7285% | 543 |
| Return on assets (ROA) | 1.7285% | 557 |
| Pretax return on assets | 1.7539% | 884 |
| Return on Equity (ROE) | 14.8515% | 805 |
| Retained earnings to average equity (ytd only) | 14.8515% | 152 |
| Net charge-offs to loans | 0.0882% | 3,228 |
| Credit loss provision to net charge-offs | 171.4286% | 1,414 |
| Earnings coverage of net charge-offs (x) | 34.6190% | 1,208 |
| Efficiency ratio | 51.2408% | 6,030 |
| Assets per employee ($millions) | 7.3032% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 4,232 |
| Loan loss allowance to noncurrent loans | 919.3548% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 5,744 |
| Noncurrent loans to loans | 0.1261% | 5,396 |
| Net loans and leases to total assets | 55.4668% | 4,394 |
| Net loans and leases to deposits | 62.5660% | 4,674 |
| Net loans and leases to core deposits | 62.5660% | 4,958 |
| Total domestic deposits to total assets | 88.6533% | 1,441 |
| Equity capital to assets | 11.2691% | 2,633 |
| Core capital (leverage) ratio | 11.7087% | 1,820 |
| Tier 1 risk-based capital ratio | 18.3322% | 2,039 |
| Total risk-based capital ratio | 19.3960% | 2,056 |
| Memoranda: | ||
| Average total assets | $39,398,000 | 6,052 |
| Average earning assets | $32,427,800 | 6,133 |
| Average equity | $4,585,400 | 5,967 |
| Average total loans | $23,808,200 | 5,826 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 1,651 |
| Cost of funding earning assets | 0.4562% | 3,175 |
| Net interest margin | 4.1104% | 1,545 |
| Noninterest income to average assets | 0.3830% | 4,372 |
| Noninterest expense to average assets | 1.9185% | 5,917 |
| Loan and lease loss provision to assets | 0.0940% | 2,482 |
| Net operating income to assets | 1.7966% | 518 |
| Return on assets (ROA) | 1.7966% | 528 |
| Pretax return on assets | 1.8210% | 852 |
| Return on Equity (ROE) | 15.2978% | 773 |
| Retained earnings to average equity (ytd only) | 15.2978% | 189 |
| Net charge-offs to loans | 0.1525% | 2,269 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 20.3700% | 1,740 |
| Efficiency ratio | 50.0454% | 6,101 |
| Assets per employee ($millions) | 6.2238% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 4,430 |
| Loan loss allowance to noncurrent loans | 355.2632% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 5,411 |
| Noncurrent loans to loans | 0.3273% | 4,927 |
| Net loans and leases to total assets | 61.4600% | 3,566 |
| Net loans and leases to deposits | 70.5035% | 3,865 |
| Net loans and leases to core deposits | 70.5035% | 4,281 |
| Total domestic deposits to total assets | 87.1730% | 2,219 |
| Equity capital to assets | 12.7895% | 1,532 |
| Core capital (leverage) ratio | 12.5148% | 1,395 |
| Tier 1 risk-based capital ratio | 18.6035% | 2,019 |
| Total risk-based capital ratio | 19.6620% | 2,045 |
| Memoranda: | ||
| Average total assets | $38,292,750 | 6,149 |
| Average earning assets | $32,145,000 | 6,215 |
| Average equity | $4,497,250 | 6,054 |
| Average total loans | $23,612,750 | 5,895 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 1,645 |
| Cost of funding earning assets | 0.4553% | 3,263 |
| Net interest margin | 4.1037% | 1,498 |
| Noninterest income to average assets | 0.3574% | 4,560 |
| Noninterest expense to average assets | 1.8700% | 6,047 |
| Loan and lease loss provision to assets | 0.0932% | 2,470 |
| Net operating income to assets | 1.7768% | 507 |
| Return on assets (ROA) | 1.7768% | 531 |
| Pretax return on assets | 1.8027% | 838 |
| Return on Equity (ROE) | 15.5756% | 702 |
| Retained earnings to average equity (ytd only) | 15.5756% | 188 |
| Net charge-offs to loans | 0.2022% | 1,815 |
| Credit loss provision to net charge-offs | 75.0000% | 2,386 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,862 |
| Efficiency ratio | 49.6561% | 6,190 |
| Assets per employee ($millions) | 6.2132% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 4,667 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 5,611 |
| Noncurrent loans to loans | 0.2872% | 5,161 |
| Net loans and leases to total assets | 60.9271% | 3,575 |
| Net loans and leases to deposits | 69.5907% | 3,873 |
| Net loans and leases to core deposits | 69.5907% | 4,305 |
| Total domestic deposits to total assets | 87.5506% | 2,169 |
| Equity capital to assets | 12.3582% | 1,735 |
| Core capital (leverage) ratio | 12.2201% | 1,542 |
| Tier 1 risk-based capital ratio | 18.2511% | 2,146 |
| Total risk-based capital ratio | 19.3048% | 2,194 |
| Memoranda: | ||
| Average total assets | $38,609,330 | 6,205 |
| Average earning assets | $32,068,670 | 6,276 |
| Average equity | $4,404,330 | 6,119 |
| Average total loans | $23,743,330 | 5,938 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 1,644 |
| Cost of funding earning assets | 0.4587% | 3,325 |
| Net interest margin | 4.0907% | 1,482 |
| Noninterest income to average assets | 0.3667% | 4,452 |
| Noninterest expense to average assets | 1.7212% | 6,322 |
| Loan and lease loss provision to assets | 0.0917% | 2,389 |
| Net operating income to assets | 1.8944% | 395 |
| Return on assets (ROA) | 1.8944% | 417 |
| Pretax return on assets | 1.9147% | 632 |
| Return on Equity (ROE) | 17.2903% | 506 |
| Retained earnings to average equity (ytd only) | 17.2903% | 208 |
| Net charge-offs to loans | 0.0829% | 2,315 |
| Credit loss provision to net charge-offs | 180.0000% | 1,121 |
| Earnings coverage of net charge-offs (x) | 39.4000% | 884 |
| Efficiency ratio | 46.1749% | 6,418 |
| Assets per employee ($millions) | 5.9597% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 4,860 |
| Loan loss allowance to noncurrent loans | 119.1304% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 4,030 |
| Noncurrent loans to loans | 0.9671% | 3,489 |
| Net loans and leases to total assets | 65.7419% | 2,611 |
| Net loans and leases to deposits | 75.0719% | 2,935 |
| Net loans and leases to core deposits | 75.0719% | 3,519 |
| Total domestic deposits to total assets | 87.5720% | 2,474 |
| Equity capital to assets | 12.3329% | 1,668 |
| Core capital (leverage) ratio | 11.7016% | 1,829 |
| Tier 1 risk-based capital ratio | 17.2961% | 2,556 |
| Total risk-based capital ratio | 18.3695% | 2,584 |
| Memoranda: | ||
| Average total assets | $39,274,500 | 6,253 |
| Average earning assets | $32,268,000 | 6,334 |
| Average equity | $4,303,000 | 6,185 |
| Average total loans | $24,126,500 | 5,977 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,653 |
| Cost of funding earning assets | 0.5924% | 2,736 |
| Net interest margin | 4.0779% | 1,711 |
| Noninterest income to average assets | 0.3881% | 4,531 |
| Noninterest expense to average assets | 1.9356% | 6,130 |
| Loan and lease loss provision to assets | 0.0925% | 3,258 |
| Net operating income to assets | 1.5397% | 766 |
| Return on assets (ROA) | 1.5397% | 798 |
| Pretax return on assets | 1.5629% | 1,262 |
| Return on Equity (ROE) | 13.6037% | 1,042 |
| Retained earnings to average equity (ytd only) | -5.2462% | 6,386 |
| Net charge-offs to loans | 0.2494% | 2,472 |
| Credit loss provision to net charge-offs | 63.1579% | 3,469 |
| Earnings coverage of net charge-offs (x) | 11.2982% | 2,254 |
| Efficiency ratio | 53.9012% | 6,144 |
| Assets per employee ($millions) | 7.1318% | 714 |
| Cash dividends to net income (ytd only)* | 138.5643% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,128 |
| Loan loss allowance to noncurrent loans | 171.9745% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 5,030 |
| Noncurrent loans to loans | 0.6416% | 4,377 |
| Net loans and leases to total assets | 56.5563% | 4,246 |
| Net loans and leases to deposits | 62.7505% | 4,643 |
| Net loans and leases to core deposits | 62.7505% | 4,994 |
| Total domestic deposits to total assets | 90.1288% | 1,014 |
| Equity capital to assets | 9.8058% | 4,033 |
| Core capital (leverage) ratio | 10.1534% | 3,360 |
| Tier 1 risk-based capital ratio | 16.1696% | 3,018 |
| Total risk-based capital ratio | 17.2020% | 3,076 |
| Memoranda: | ||
| Average total assets | $38,902,600 | 6,316 |
| Average earning assets | $30,554,800 | 6,438 |
| Average equity | $4,403,200 | 6,234 |
| Average total loans | $22,854,000 | 6,083 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,560 |
| Cost of funding earning assets | 0.6213% | 2,639 |
| Net interest margin | 4.0919% | 1,660 |
| Noninterest income to average assets | 0.3796% | 4,675 |
| Noninterest expense to average assets | 1.8384% | 6,285 |
| Loan and lease loss provision to assets | 0.0949% | 3,177 |
| Net operating income to assets | 1.6662% | 661 |
| Return on assets (ROA) | 1.6662% | 695 |
| Pretax return on assets | 1.6872% | 1,127 |
| Return on Equity (ROE) | 14.1859% | 952 |
| Retained earnings to average equity (ytd only) | -10.6543% | 6,654 |
| Net charge-offs to loans | 0.0119% | 4,905 |
| Credit loss provision to net charge-offs | 1,350.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 253.1760% | 229 |
| Efficiency ratio | 50.7767% | 6,353 |
| Assets per employee ($millions) | 6.5885% | 899 |
| Cash dividends to net income (ytd only)* | 175.1068% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,959 |
| Loan loss allowance to noncurrent loans | 65.0206% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 3,181 |
| Noncurrent loans to loans | 2.1312% | 2,098 |
| Net loans and leases to total assets | 56.8870% | 4,190 |
| Net loans and leases to deposits | 63.5093% | 4,570 |
| Net loans and leases to core deposits | 63.5093% | 4,941 |
| Total domestic deposits to total assets | 89.5727% | 1,244 |
| Equity capital to assets | 10.3640% | 3,433 |
| Core capital (leverage) ratio | 10.4942% | 3,008 |
| Tier 1 risk-based capital ratio | 16.7852% | 2,817 |
| Total risk-based capital ratio | 18.0733% | 2,747 |
| Memoranda: | ||
| Average total assets | $37,930,500 | 6,413 |
| Average earning assets | $30,042,000 | 6,517 |
| Average equity | $4,455,000 | 6,296 |
| Average total loans | $22,449,750 | 6,162 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,623 |
| Cost of funding earning assets | 0.6456% | 2,534 |
| Net interest margin | 4.0350% | 1,748 |
| Noninterest income to average assets | 0.3851% | 4,629 |
| Noninterest expense to average assets | 1.8130% | 6,355 |
| Loan and lease loss provision to assets | 0.0963% | 3,181 |
| Net operating income to assets | 1.6632% | 669 |
| Return on assets (ROA) | 1.6632% | 733 |
| Pretax return on assets | 1.6846% | 1,148 |
| Return on Equity (ROE) | 13.5976% | 1,104 |
| Retained earnings to average equity (ytd only) | 7.9137% | 1,523 |
| Net charge-offs to loans | 0.0090% | 4,706 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 147 |
| Efficiency ratio | 50.4464% | 6,395 |
| Assets per employee ($millions) | 6.3323% | 990 |
| Cash dividends to net income (ytd only)* | 41.8006% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,128 |
| Loan loss allowance to noncurrent loans | 74.3961% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 3,553 |
| Noncurrent loans to loans | 1.8545% | 2,557 |
| Net loans and leases to total assets | 57.9460% | 3,995 |
| Net loans and leases to deposits | 66.0051% | 4,265 |
| Net loans and leases to core deposits | 66.0051% | 4,688 |
| Total domestic deposits to total assets | 87.7902% | 2,388 |
| Equity capital to assets | 12.1414% | 1,818 |
| Core capital (leverage) ratio | 12.2580% | 1,470 |
| Tier 1 risk-based capital ratio | 19.5254% | 1,852 |
| Total risk-based capital ratio | 20.8170% | 1,814 |
| Memoranda: | ||
| Average total assets | $37,397,000 | 6,474 |
| Average earning assets | $29,739,670 | 6,568 |
| Average equity | $4,574,330 | 6,313 |
| Average total loans | $22,331,670 | 6,200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 1,395 |
| Cost of funding earning assets | 0.6809% | 2,377 |
| Net interest margin | 4.0717% | 1,557 |
| Noninterest income to average assets | 0.3774% | 4,647 |
| Noninterest expense to average assets | 1.7144% | 6,544 |
| Loan and lease loss provision to assets | 0.0970% | 3,066 |
| Net operating income to assets | 1.7683% | 497 |
| Return on assets (ROA) | 1.7683% | 550 |
| Pretax return on assets | 1.7898% | 900 |
| Return on Equity (ROE) | 14.4018% | 879 |
| Retained earnings to average equity (ytd only) | 2.9857% | 4,493 |
| Net charge-offs to loans | -0.1075% | 6,477 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6048% | 6,628 |
| Assets per employee ($millions) | 6.1772% | 1,148 |
| Cash dividends to net income (ytd only)* | 79.2683% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 4,015 |
| Loan loss allowance to noncurrent loans | 161.0526% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 4,710 |
| Noncurrent loans to loans | 0.9006% | 4,334 |
| Net loans and leases to total assets | 56.0937% | 4,065 |
| Net loans and leases to deposits | 64.0323% | 4,310 |
| Net loans and leases to core deposits | 64.0323% | 4,737 |
| Total domestic deposits to total assets | 87.6022% | 2,572 |
| Equity capital to assets | 12.3223% | 1,827 |
| Core capital (leverage) ratio | 12.0687% | 1,532 |
| Tier 1 risk-based capital ratio | 19.9450% | 1,786 |
| Total risk-based capital ratio | 21.1963% | 1,757 |
| Memoranda: | ||
| Average total assets | $37,098,500 | 6,544 |
| Average earning assets | $29,373,500 | 6,639 |
| Average equity | $4,555,000 | 6,383 |
| Average total loans | $22,335,500 | 6,255 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 1,213 |
| Cost of funding earning assets | 0.8663% | 2,172 |
| Net interest margin | 4.2824% | 1,441 |
| Noninterest income to average assets | 0.4167% | 4,477 |
| Noninterest expense to average assets | 2.1933% | 5,937 |
| Loan and lease loss provision to assets | 0.0987% | 4,408 |
| Net operating income to assets | 1.4641% | 984 |
| Return on assets (ROA) | 1.4641% | 1,097 |
| Pretax return on assets | 1.4860% | 1,726 |
| Return on Equity (ROE) | 12.4203% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.8389% | 342 |
| Net charge-offs to loans | 0.0355% | 5,425 |
| Credit loss provision to net charge-offs | 450.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 513 |
| Efficiency ratio | 58.0552% | 5,821 |
| Assets per employee ($millions) | 6.1890% | 1,172 |
| Cash dividends to net income (ytd only)* | 4.6816% | 4,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 4,961 |
| Loan loss allowance to noncurrent loans | 262.1622% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 5,349 |
| Noncurrent loans to loans | 0.4708% | 5,348 |
| Net loans and leases to total assets | 62.7026% | 3,120 |
| Net loans and leases to deposits | 71.5001% | 3,494 |
| Net loans and leases to core deposits | 72.1157% | 4,031 |
| Total domestic deposits to total assets | 87.6959% | 2,414 |
| Equity capital to assets | 12.2341% | 1,900 |
| Core capital (leverage) ratio | 11.9569% | 1,591 |
| Tier 1 risk-based capital ratio | 17.7672% | 2,356 |
| Total risk-based capital ratio | 18.9262% | 2,351 |
| Memoranda: | ||
| Average total assets | $36,474,000 | 6,599 |
| Average earning assets | $28,629,000 | 6,698 |
| Average equity | $4,299,400 | 6,494 |
| Average total loans | $22,518,000 | 6,323 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 993 |
| Cost of funding earning assets | 0.9253% | 2,011 |
| Net interest margin | 4.3847% | 1,240 |
| Noninterest income to average assets | 0.4076% | 4,574 |
| Noninterest expense to average assets | 2.0490% | 6,274 |
| Loan and lease loss provision to assets | 0.0991% | 4,326 |
| Net operating income to assets | 1.6304% | 792 |
| Return on assets (ROA) | 1.6304% | 875 |
| Pretax return on assets | 1.6525% | 1,402 |
| Return on Equity (ROE) | 13.9670% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.1804% | 377 |
| Net charge-offs to loans | 0.0419% | 5,066 |
| Credit loss provision to net charge-offs | 385.7143% | 701 |
| Earnings coverage of net charge-offs (x) | 68.1651% | 598 |
| Efficiency ratio | 53.9130% | 6,259 |
| Assets per employee ($millions) | 6.1462% | 1,162 |
| Cash dividends to net income (ytd only)* | 5.6302% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,564 |
| Loan loss allowance to noncurrent loans | 217.6923% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 5,403 |
| Noncurrent loans to loans | 0.6215% | 5,199 |
| Net loans and leases to total assets | 55.9563% | 4,460 |
| Net loans and leases to deposits | 63.7119% | 4,753 |
| Net loans and leases to core deposits | 64.2615% | 5,123 |
| Total domestic deposits to total assets | 87.8271% | 2,153 |
| Equity capital to assets | 12.0834% | 2,189 |
| Core capital (leverage) ratio | 12.1359% | 1,569 |
| Tier 1 risk-based capital ratio | 19.0052% | 2,012 |
| Total risk-based capital ratio | 20.2357% | 1,986 |
| Memoranda: | ||
| Average total assets | $36,309,000 | 6,682 |
| Average earning assets | $28,096,750 | 6,802 |
| Average equity | $4,238,500 | 6,590 |
| Average total loans | $22,253,750 | 6,409 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 967 |
| Cost of funding earning assets | 0.9538% | 2,037 |
| Net interest margin | 4.3918% | 1,223 |
| Noninterest income to average assets | 0.3488% | 5,047 |
| Noninterest expense to average assets | 1.9989% | 6,437 |
| Loan and lease loss provision to assets | 0.0997% | 4,283 |
| Net operating income to assets | 1.6445% | 766 |
| Return on assets (ROA) | 1.6445% | 854 |
| Pretax return on assets | 1.6667% | 1,352 |
| Return on Equity (ROE) | 14.2583% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.0581% | 434 |
| Net charge-offs to loans | -0.0176% | 6,398 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0882% | 6,407 |
| Assets per employee ($millions) | 6.0137% | 1,218 |
| Cash dividends to net income (ytd only)* | 8.4175% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,023 |
| Loan loss allowance to noncurrent loans | 124.6696% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 4,868 |
| Noncurrent loans to loans | 1.0206% | 4,467 |
| Net loans and leases to total assets | 60.8558% | 3,651 |
| Net loans and leases to deposits | 69.1699% | 4,017 |
| Net loans and leases to core deposits | 69.7788% | 4,553 |
| Total domestic deposits to total assets | 87.9802% | 2,156 |
| Equity capital to assets | 11.9145% | 2,207 |
| Core capital (leverage) ratio | 11.9305% | 1,638 |
| Tier 1 risk-based capital ratio | 17.6051% | 2,437 |
| Total risk-based capital ratio | 18.7846% | 2,428 |
| Memoranda: | ||
| Average total assets | $36,119,670 | 6,730 |
| Average earning assets | $28,097,670 | 6,849 |
| Average equity | $4,166,000 | 6,638 |
| Average total loans | $22,699,000 | 6,428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 834 |
| Cost of funding earning assets | 1.0076% | 1,936 |
| Net interest margin | 4.4420% | 1,127 |
| Noninterest income to average assets | 0.3099% | 5,404 |
| Noninterest expense to average assets | 1.8706% | 6,694 |
| Loan and lease loss provision to assets | 0.0996% | 4,096 |
| Net operating income to assets | 1.7820% | 618 |
| Return on assets (ROA) | 1.7820% | 694 |
| Pretax return on assets | 1.8042% | 1,060 |
| Return on Equity (ROE) | 15.7092% | 848 |
| Retained earnings to average equity (ytd only) | 13.2699% | 645 |
| Net charge-offs to loans | -0.0174% | 6,127 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5601% | 6,702 |
| Assets per employee ($millions) | 5.9502% | 1,314 |
| Cash dividends to net income (ytd only)* | 15.5280% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,290 |
| Loan loss allowance to noncurrent loans | 116.1702% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 4,948 |
| Noncurrent loans to loans | 1.0708% | 4,559 |
| Net loans and leases to total assets | 60.7098% | 3,510 |
| Net loans and leases to deposits | 68.8020% | 3,908 |
| Net loans and leases to core deposits | 69.4123% | 4,513 |
| Total domestic deposits to total assets | 88.2384% | 2,166 |
| Equity capital to assets | 11.6579% | 2,295 |
| Core capital (leverage) ratio | 11.6254% | 1,818 |
| Tier 1 risk-based capital ratio | 17.1807% | 2,609 |
| Total risk-based capital ratio | 18.3277% | 2,613 |
| Memoranda: | ||
| Average total assets | $36,138,500 | 6,791 |
| Average earning assets | $28,185,500 | 6,899 |
| Average equity | $4,099,500 | 6,695 |
| Average total loans | $22,928,000 | 6,463 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6691% | 833 |
| Cost of funding earning assets | 1.2158% | 1,928 |
| Net interest margin | 4.4533% | 1,253 |
| Noninterest income to average assets | 0.4475% | 4,236 |
| Noninterest expense to average assets | 2.1653% | 6,342 |
| Loan and lease loss provision to assets | 0.1001% | 5,338 |
| Net operating income to assets | 1.7511% | 505 |
| Return on assets (ROA) | 1.7511% | 541 |
| Pretax return on assets | 1.7761% | 847 |
| Return on Equity (ROE) | 16.1101% | 584 |
| Retained earnings to average equity (ytd only) | 8.4386% | 940 |
| Net charge-offs to loans | 0.1493% | 4,951 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,197 |
| Efficiency ratio | 53.5763% | 6,554 |
| Assets per employee ($millions) | 6.0960% | 1,163 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,814 |
| Loan loss allowance to noncurrent loans | 207.0866% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 5,526 |
| Noncurrent loans to loans | 0.5312% | 5,651 |
| Net loans and leases to total assets | 64.6490% | 3,048 |
| Net loans and leases to deposits | 72.7726% | 3,698 |
| Net loans and leases to core deposits | 73.3983% | 4,321 |
| Total domestic deposits to total assets | 88.8369% | 1,645 |
| Equity capital to assets | 11.0373% | 2,946 |
| Core capital (leverage) ratio | 11.1698% | 2,145 |
| Tier 1 risk-based capital ratio | 15.4496% | 3,362 |
| Total risk-based capital ratio | 16.4777% | 3,456 |
| Memoranda: | ||
| Average total assets | $35,977,000 | 6,798 |
| Average earning assets | $29,034,600 | 6,902 |
| Average equity | $3,910,600 | 6,780 |
| Average total loans | $24,115,800 | 6,461 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7159% | 826 |
| Cost of funding earning assets | 1.2656% | 1,898 |
| Net interest margin | 4.4503% | 1,277 |
| Noninterest income to average assets | 0.4503% | 4,291 |
| Noninterest expense to average assets | 2.2254% | 6,223 |
| Loan and lease loss provision to assets | 0.1005% | 5,196 |
| Net operating income to assets | 1.6970% | 635 |
| Return on assets (ROA) | 1.6970% | 696 |
| Pretax return on assets | 1.7230% | 1,093 |
| Return on Equity (ROE) | 15.6736% | 723 |
| Retained earnings to average equity (ytd only) | 8.7992% | 1,213 |
| Net charge-offs to loans | 0.0993% | 4,995 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 27.2217% | 997 |
| Efficiency ratio | 54.9632% | 6,390 |
| Assets per employee ($millions) | 6.0135% | 1,192 |
| Cash dividends to net income (ytd only)* | 43.8600% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,665 |
| Loan loss allowance to noncurrent loans | 219.3548% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 5,659 |
| Noncurrent loans to loans | 0.5260% | 5,802 |
| Net loans and leases to total assets | 64.5825% | 3,190 |
| Net loans and leases to deposits | 72.6734% | 3,856 |
| Net loans and leases to core deposits | 73.3044% | 4,549 |
| Total domestic deposits to total assets | 88.8667% | 1,507 |
| Equity capital to assets | 11.0141% | 3,132 |
| Core capital (leverage) ratio | 10.8370% | 2,534 |
| Tier 1 risk-based capital ratio | 15.3036% | 3,489 |
| Total risk-based capital ratio | 16.3767% | 3,560 |
| Memoranda: | ||
| Average total assets | $35,827,250 | 6,863 |
| Average earning assets | $28,971,250 | 6,964 |
| Average equity | $3,879,000 | 6,839 |
| Average total loans | $24,167,500 | 6,521 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 928 |
| Cost of funding earning assets | 1.2940% | 1,976 |
| Net interest margin | 4.3751% | 1,451 |
| Noninterest income to average assets | 0.4420% | 4,333 |
| Noninterest expense to average assets | 2.0592% | 6,676 |
| Loan and lease loss provision to assets | 0.1007% | 5,059 |
| Net operating income to assets | 1.8353% | 461 |
| Return on assets (ROA) | 1.8353% | 493 |
| Pretax return on assets | 1.8577% | 771 |
| Return on Equity (ROE) | 17.0508% | 545 |
| Retained earnings to average equity (ytd only) | 17.0508% | 166 |
| Net charge-offs to loans | 0.0657% | 4,980 |
| Credit loss provision to net charge-offs | 225.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 695 |
| Efficiency ratio | 51.2535% | 6,857 |
| Assets per employee ($millions) | 4.9943% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,735 |
| Loan loss allowance to noncurrent loans | 129.3839% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 5,160 |
| Noncurrent loans to loans | 0.8945% | 5,180 |
| Net loans and leases to total assets | 66.6934% | 2,892 |
| Net loans and leases to deposits | 75.5247% | 3,555 |
| Net loans and leases to core deposits | 76.2060% | 4,295 |
| Total domestic deposits to total assets | 88.3066% | 1,957 |
| Equity capital to assets | 11.5532% | 2,455 |
| Core capital (leverage) ratio | 11.0672% | 2,194 |
| Tier 1 risk-based capital ratio | 15.6703% | 3,146 |
| Total risk-based capital ratio | 16.7533% | 3,188 |
| Memoranda: | ||
| Average total assets | $35,742,670 | 6,926 |
| Average earning assets | $29,210,670 | 7,023 |
| Average equity | $3,847,330 | 6,887 |
| Average total loans | $24,365,330 | 6,569 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 1,172 |
| Cost of funding earning assets | 1.3073% | 2,138 |
| Net interest margin | 4.2454% | 1,766 |
| Noninterest income to average assets | 0.3653% | 4,987 |
| Noninterest expense to average assets | 1.9594% | 6,896 |
| Loan and lease loss provision to assets | 0.0996% | 4,761 |
| Net operating income to assets | 1.7933% | 496 |
| Return on assets (ROA) | 1.7933% | 520 |
| Pretax return on assets | 1.7933% | 830 |
| Return on Equity (ROE) | 17.2731% | 540 |
| Retained earnings to average equity (ytd only) | 17.2731% | 265 |
| Net charge-offs to loans | 0.0808% | 4,133 |
| Credit loss provision to net charge-offs | 180.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | 34.2000% | 759 |
| Efficiency ratio | 50.8621% | 6,928 |
| Assets per employee ($millions) | 4.9664% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 6,049 |
| Loan loss allowance to noncurrent loans | 127.1429% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 5,638 |
| Noncurrent loans to loans | 0.8641% | 5,310 |
| Net loans and leases to total assets | 69.1356% | 2,299 |
| Net loans and leases to deposits | 77.8235% | 3,088 |
| Net loans and leases to core deposits | 78.5227% | 3,947 |
| Total domestic deposits to total assets | 88.8365% | 1,876 |
| Equity capital to assets | 11.0197% | 2,668 |
| Core capital (leverage) ratio | 10.6445% | 2,478 |
| Tier 1 risk-based capital ratio | 14.8713% | 3,493 |
| Total risk-based capital ratio | 15.9206% | 3,592 |
| Memoranda: | ||
| Average total assets | $36,134,000 | 6,963 |
| Average earning assets | $29,679,000 | 7,062 |
| Average equity | $3,751,500 | 6,946 |
| Average total loans | $24,753,500 | 6,600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9965% | 854 |
| Cost of funding earning assets | 1.6540% | 1,808 |
| Net interest margin | 4.3426% | 1,673 |
| Noninterest income to average assets | 0.4916% | 4,238 |
| Noninterest expense to average assets | 2.1208% | 6,796 |
| Loan and lease loss provision to assets | 0.1011% | 6,137 |
| Net operating income to assets | 1.7949% | 421 |
| Return on assets (ROA) | 1.7949% | 454 |
| Pretax return on assets | 1.7949% | 766 |
| Return on Equity (ROE) | 18.0672% | 376 |
| Retained earnings to average equity (ytd only) | 12.2427% | 255 |
| Net charge-offs to loans | 0.0726% | 6,072 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 614 |
| Efficiency ratio | 52.7972% | 6,917 |
| Assets per employee ($millions) | 5.3576% | 1,708 |
| Cash dividends to net income (ytd only)* | 32.2379% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 6,182 |
| Loan loss allowance to noncurrent loans | 86.2295% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 5,278 |
| Noncurrent loans to loans | 1.2101% | 4,708 |
| Net loans and leases to total assets | 66.5067% | 3,353 |
| Net loans and leases to deposits | 73.8541% | 4,217 |
| Net loans and leases to core deposits | 74.4582% | 4,919 |
| Total domestic deposits to total assets | 90.0515% | 1,067 |
| Equity capital to assets | 9.7912% | 4,010 |
| Core capital (leverage) ratio | 9.8477% | 3,267 |
| Tier 1 risk-based capital ratio | 13.4842% | 4,218 |
| Total risk-based capital ratio | 14.4633% | 4,397 |
| Memoranda: | ||
| Average total assets | $35,600,000 | 7,021 |
| Average earning assets | $28,900,000 | 7,130 |
| Average equity | $3,536,800 | 7,127 |
| Average total loans | $24,798,200 | 6,686 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0826% | 789 |
| Cost of funding earning assets | 1.7072% | 1,840 |
| Net interest margin | 4.3754% | 1,598 |
| Noninterest income to average assets | 0.4251% | 4,762 |
| Noninterest expense to average assets | 1.9853% | 7,076 |
| Loan and lease loss provision to assets | 0.1025% | 6,001 |
| Net operating income to assets | 1.8980% | 408 |
| Return on assets (ROA) | 1.8980% | 455 |
| Pretax return on assets | 1.8980% | 776 |
| Return on Equity (ROE) | 19.0308% | 388 |
| Retained earnings to average equity (ytd only) | 14.9963% | 208 |
| Net charge-offs to loans | 0.0594% | 5,919 |
| Credit loss provision to net charge-offs | 245.4545% | 1,363 |
| Earnings coverage of net charge-offs (x) | 47.8971% | 586 |
| Efficiency ratio | 49.8095% | 7,168 |
| Assets per employee ($millions) | 5.0667% | 2,094 |
| Cash dividends to net income (ytd only)* | 21.2000% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,954 |
| Loan loss allowance to noncurrent loans | 50.0960% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 4,138 |
| Noncurrent loans to loans | 2.1932% | 3,456 |
| Net loans and leases to total assets | 66.2419% | 3,631 |
| Net loans and leases to deposits | 74.0925% | 4,495 |
| Net loans and leases to core deposits | 74.7360% | 5,204 |
| Total domestic deposits to total assets | 89.4042% | 1,174 |
| Equity capital to assets | 10.4379% | 3,590 |
| Core capital (leverage) ratio | 10.0435% | 3,210 |
| Tier 1 risk-based capital ratio | 14.2244% | 3,683 |
| Total risk-based capital ratio | 15.2609% | 3,797 |
| Memoranda: | ||
| Average total assets | $35,124,250 | 7,127 |
| Average earning assets | $28,583,500 | 7,224 |
| Average equity | $3,503,000 | 7,224 |
| Average total loans | $24,696,500 | 6,783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 783 |
| Cost of funding earning assets | 1.7330% | 1,953 |
| Net interest margin | 4.3499% | 1,590 |
| Noninterest income to average assets | 0.4456% | 4,561 |
| Noninterest expense to average assets | 2.0280% | 7,058 |
| Loan and lease loss provision to assets | 0.1028% | 5,887 |
| Net operating income to assets | 1.8852% | 410 |
| Return on assets (ROA) | 1.8852% | 454 |
| Pretax return on assets | 1.8852% | 760 |
| Return on Equity (ROE) | 19.2046% | 372 |
| Retained earnings to average equity (ytd only) | 18.8555% | 108 |
| Net charge-offs to loans | 0.0800% | 5,336 |
| Credit loss provision to net charge-offs | 180.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 816 |
| Efficiency ratio | 50.4979% | 7,195 |
| Assets per employee ($millions) | 5.0030% | 2,189 |
| Cash dividends to net income (ytd only)* | 1.8182% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 6,006 |
| Loan loss allowance to noncurrent loans | 63.8889% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.2564% | 4,635 |
| Noncurrent loans to loans | 1.7018% | 4,133 |
| Net loans and leases to total assets | 65.7234% | 3,888 |
| Net loans and leases to deposits | 73.4265% | 4,767 |
| Net loans and leases to core deposits | 74.0692% | 5,436 |
| Total domestic deposits to total assets | 89.5092% | 1,173 |
| Equity capital to assets | 10.3110% | 3,637 |
| Core capital (leverage) ratio | 10.1611% | 2,987 |
| Tier 1 risk-based capital ratio | 14.3119% | 3,529 |
| Total risk-based capital ratio | 15.3426% | 3,626 |
| Memoranda: | ||
| Average total assets | $35,010,000 | 7,180 |
| Average earning assets | $28,736,000 | 7,270 |
| Average equity | $3,436,670 | 7,284 |
| Average total loans | $25,010,330 | 6,807 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0794% | 815 |
| Cost of funding earning assets | 1.7544% | 2,107 |
| Net interest margin | 4.3249% | 1,612 |
| Noninterest income to average assets | 0.4228% | 4,717 |
| Noninterest expense to average assets | 2.0226% | 7,120 |
| Loan and lease loss provision to assets | 0.1028% | 5,597 |
| Net operating income to assets | 1.9312% | 392 |
| Return on assets (ROA) | 1.9312% | 430 |
| Pretax return on assets | 1.9312% | 693 |
| Return on Equity (ROE) | 20.1821% | 373 |
| Retained earnings to average equity (ytd only) | 19.4656% | 198 |
| Net charge-offs to loans | -0.0155% | 7,006 |
| Credit loss provision to net charge-offs | -900.0000% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8592% | 7,325 |
| Assets per employee ($millions) | 4.7493% | 2,569 |
| Cash dividends to net income (ytd only)* | 3.5503% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 6,112 |
| Loan loss allowance to noncurrent loans | 77.9817% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 4,945 |
| Noncurrent loans to loans | 1.3826% | 4,663 |
| Net loans and leases to total assets | 70.3745% | 2,836 |
| Net loans and leases to deposits | 78.6288% | 3,918 |
| Net loans and leases to core deposits | 79.3515% | 4,848 |
| Total domestic deposits to total assets | 89.5022% | 1,246 |
| Equity capital to assets | 10.3053% | 3,469 |
| Core capital (leverage) ratio | 9.8559% | 3,333 |
| Tier 1 risk-based capital ratio | 13.6800% | 3,878 |
| Total risk-based capital ratio | 14.7206% | 3,971 |
| Memoranda: | ||
| Average total assets | $35,004,500 | 7,270 |
| Average earning assets | $29,411,000 | 7,342 |
| Average equity | $3,349,500 | 7,391 |
| Average total loans | $25,880,500 | 6,830 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3671% | 892 |
| Cost of funding earning assets | 2.1930% | 2,070 |
| Net interest margin | 4.1740% | 2,158 |
| Noninterest income to average assets | 0.4069% | 5,144 |
| Noninterest expense to average assets | 2.0572% | 7,270 |
| Loan and lease loss provision to assets | 0.1031% | 6,603 |
| Net operating income to assets | 1.5185% | 648 |
| Return on assets (ROA) | 1.5185% | 691 |
| Pretax return on assets | 1.5185% | 1,137 |
| Return on Equity (ROE) | 16.9394% | 463 |
| Retained earnings to average equity (ytd only) | 10.3234% | 343 |
| Net charge-offs to loans | 0.1382% | 5,834 |
| Credit loss provision to net charge-offs | 109.0909% | 5,061 |
| Earnings coverage of net charge-offs (x) | 17.1515% | 1,205 |
| Efficiency ratio | 55.9190% | 7,025 |
| Assets per employee ($millions) | 5.2520% | 1,890 |
| Cash dividends to net income (ytd only)* | 39.0566% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 6,919 |
| Loan loss allowance to noncurrent loans | 72.2714% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 5,043 |
| Noncurrent loans to loans | 1.2060% | 4,932 |
| Net loans and leases to total assets | 75.7943% | 1,856 |
| Net loans and leases to deposits | 83.3732% | 3,387 |
| Net loans and leases to core deposits | 95.8515% | 4,481 |
| Total domestic deposits to total assets | 90.9096% | 568 |
| Equity capital to assets | 8.9027% | 5,273 |
| Core capital (leverage) ratio | 9.0279% | 4,375 |
| Tier 1 risk-based capital ratio | 11.1030% | 5,829 |
| Total risk-based capital ratio | 11.9560% | 6,180 |
| Memoranda: | ||
| Average total assets | $34,902,000 | 7,286 |
| Average earning assets | $27,359,600 | 7,449 |
| Average equity | $3,128,800 | 7,558 |
| Average total loans | $23,883,800 | 6,985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5227% | 715 |
| Cost of funding earning assets | 2.3585% | 1,774 |
| Net interest margin | 4.1642% | 2,169 |
| Noninterest income to average assets | 0.3833% | 5,453 |
| Noninterest expense to average assets | 1.8546% | 7,605 |
| Loan and lease loss provision to assets | 0.0348% | 7,006 |
| Net operating income to assets | 1.6726% | 589 |
| Return on assets (ROA) | 1.6726% | 630 |
| Pretax return on assets | 1.6726% | 1,023 |
| Return on Equity (ROE) | 18.6239% | 392 |
| Retained earnings to average equity (ytd only) | 9.6998% | 691 |
| Net charge-offs to loans | -0.0058% | 7,639 |
| Credit loss provision to net charge-offs | -900.0000% | 7,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0652% | 7,408 |
| Assets per employee ($millions) | 4.8886% | 2,280 |
| Cash dividends to net income (ytd only)* | 47.9158% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,955 |
| Loan loss allowance to noncurrent loans | 107.2650% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 5,433 |
| Noncurrent loans to loans | 0.9894% | 5,328 |
| Net loans and leases to total assets | 68.3781% | 3,870 |
| Net loans and leases to deposits | 75.6172% | 5,106 |
| Net loans and leases to core deposits | 88.4082% | 5,604 |
| Total domestic deposits to total assets | 90.4267% | 611 |
| Equity capital to assets | 9.3863% | 4,902 |
| Core capital (leverage) ratio | 8.9506% | 4,726 |
| Tier 1 risk-based capital ratio | 12.6035% | 4,469 |
| Total risk-based capital ratio | 13.6269% | 4,597 |
| Memoranda: | ||
| Average total assets | $34,436,500 | 7,366 |
| Average earning assets | $26,287,000 | 7,560 |
| Average equity | $3,092,750 | 7,634 |
| Average total loans | $22,827,250 | 7,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4637% | 891 |
| Cost of funding earning assets | 2.4335% | 1,832 |
| Net interest margin | 4.0302% | 2,579 |
| Noninterest income to average assets | 0.3941% | 5,342 |
| Noninterest expense to average assets | 1.7213% | 7,812 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7155% | 546 |
| Return on assets (ROA) | 1.7155% | 594 |
| Pretax return on assets | 1.7155% | 985 |
| Return on Equity (ROE) | 19.3908% | 375 |
| Retained earnings to average equity (ytd only) | 5.8303% | 2,103 |
| Net charge-offs to loans | -0.0887% | 7,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0843% | 7,662 |
| Assets per employee ($millions) | 4.8580% | 2,250 |
| Cash dividends to net income (ytd only)* | 69.9324% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,622 |
| Loan loss allowance to noncurrent loans | 91.2727% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 5,069 |
| Noncurrent loans to loans | 1.2029% | 4,806 |
| Net loans and leases to total assets | 66.4883% | 4,462 |
| Net loans and leases to deposits | 73.2237% | 5,578 |
| Net loans and leases to core deposits | 85.4950% | 5,966 |
| Total domestic deposits to total assets | 90.8016% | 521 |
| Equity capital to assets | 8.9896% | 5,332 |
| Core capital (leverage) ratio | 8.7671% | 4,981 |
| Tier 1 risk-based capital ratio | 12.4736% | 4,541 |
| Total risk-based capital ratio | 13.5335% | 4,607 |
| Memoranda: | ||
| Average total assets | $34,508,670 | 7,428 |
| Average earning assets | $26,053,330 | 7,640 |
| Average equity | $3,053,000 | 7,711 |
| Average total loans | $22,553,000 | 7,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3856% | 1,095 |
| Cost of funding earning assets | 2.5235% | 1,827 |
| Net interest margin | 3.8621% | 3,205 |
| Noninterest income to average assets | 0.3682% | 5,478 |
| Noninterest expense to average assets | 1.7146% | 7,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5420% | 866 |
| Return on assets (ROA) | 1.5420% | 943 |
| Pretax return on assets | 1.5420% | 1,554 |
| Return on Equity (ROE) | 17.5680% | 630 |
| Retained earnings to average equity (ytd only) | 16.6503% | 294 |
| Net charge-offs to loans | -0.1250% | 7,936 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6502% | 7,350 |
| Assets per employee ($millions) | 4.7210% | 2,411 |
| Cash dividends to net income (ytd only)* | 5.2239% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,207 |
| Loan loss allowance to noncurrent loans | 121.5686% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 4,939 |
| Noncurrent loans to loans | 0.9357% | 5,127 |
| Net loans and leases to total assets | 65.2192% | 4,762 |
| Net loans and leases to deposits | 72.1415% | 5,728 |
| Net loans and leases to core deposits | 83.6685% | 6,087 |
| Total domestic deposits to total assets | 90.4046% | 637 |
| Equity capital to assets | 9.3836% | 4,829 |
| Core capital (leverage) ratio | 8.8032% | 4,980 |
| Tier 1 risk-based capital ratio | 13.1451% | 4,085 |
| Total risk-based capital ratio | 14.2343% | 4,117 |
| Memoranda: | ||
| Average total assets | $34,760,000 | 7,457 |
| Average earning assets | $25,996,000 | 7,683 |
| Average equity | $3,051,000 | 7,763 |
| Average total loans | $22,399,000 | 7,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7964% | 1,690 |
| Cost of funding earning assets | 2.6959% | 3,173 |
| Net interest margin | 4.1004% | 2,711 |
| Noninterest income to average assets | 0.3775% | 5,668 |
| Noninterest expense to average assets | 1.8548% | 7,682 |
| Loan and lease loss provision to assets | 0.1180% | 5,861 |
| Net operating income to assets | 1.9345% | 406 |
| Return on assets (ROA) | 1.9345% | 391 |
| Pretax return on assets | 1.9345% | 715 |
| Return on Equity (ROE) | 21.1354% | 297 |
| Retained earnings to average equity (ytd only) | -5.6060% | 6,607 |
| Net charge-offs to loans | 0.1475% | 4,735 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,636 |
| Efficiency ratio | 47.4717% | 7,847 |
| Assets per employee ($millions) | 5.2104% | 1,714 |
| Cash dividends to net income (ytd only)* | 126.5244% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,605 |
| Loan loss allowance to noncurrent loans | 36.7223% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 1.9604% | 2,511 |
| Noncurrent loans to loans | 2.8656% | 1,886 |
| Net loans and leases to total assets | 62.3886% | 5,560 |
| Net loans and leases to deposits | 68.1471% | 6,452 |
| Net loans and leases to core deposits | 79.7134% | 6,638 |
| Total domestic deposits to total assets | 91.5499% | 200 |
| Equity capital to assets | 8.2280% | 6,509 |
| Core capital (leverage) ratio | 8.7906% | 5,055 |
| Tier 1 risk-based capital ratio | 11.7296% | 5,027 |
| Total risk-based capital ratio | 12.7200% | 5,160 |
| Memoranda: | ||
| Average total assets | $33,911,400 | 7,465 |
| Average earning assets | $29,192,000 | 7,557 |
| Average equity | $3,103,800 | 7,806 |
| Average total loans | $24,401,600 | 7,063 |