Home > The Hopeton State Bank > Performance and Condition Ratios
The Hopeton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 2,652 |
| Cost of funding earning assets | 1.5916% | 1,711 |
| Net interest margin | 3.1197% | 3,052 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.5965% | 510 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.2470% | 4,474 |
| Return on assets (ROA) | -0.1638% | 4,431 |
| Pretax return on assets | -0.3862% | 4,471 |
| Return on Equity (ROE) | -2.0000% | 4,418 |
| Retained earnings to average equity (ytd only) | -2.0010% | 4,272 |
| Net charge-offs to loans | 0.0197% | 1,954 |
| Credit loss provision to net charge-offs | 466.6667% | 710 |
| Earnings coverage of net charge-offs (x) | -37.3333% | 4,578 |
| Efficiency ratio | 113.8272% | 94 |
| Assets per employee ($millions) | 5.0314% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,192 |
| Loan loss allowance to noncurrent loans | 37.8007% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 3.7008% | 45 |
| Noncurrent loans to loans | 3.8429% | 90 |
| Net loans and leases to total assets | 59.3300% | 2,902 |
| Net loans and leases to deposits | 65.0610% | 3,235 |
| Net loans and leases to core deposits | 77.1677% | 2,904 |
| Total domestic deposits to total assets | 91.1900% | 455 |
| Equity capital to assets | 8.5940% | 2,980 |
| Core capital (leverage) ratio | 11.4440% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5077% | 1,682 |
| Memoranda: | ||
| Average total assets | $25,636,000 | 4,494 |
| Average earning assets | $23,624,000 | 4,458 |
| Average equity | $2,099,000 | 4,485 |
| Average total loans | $15,253,200 | 4,345 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 2,749 |
| Cost of funding earning assets | 1.4545% | 1,722 |
| Net interest margin | 3.1168% | 3,112 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 3.5150% | 545 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.3624% | 4,521 |
| Return on assets (ROA) | -0.2226% | 4,485 |
| Pretax return on assets | -0.2071% | 4,472 |
| Return on Equity (ROE) | -2.7500% | 4,467 |
| Retained earnings to average equity (ytd only) | -2.7520% | 4,359 |
| Net charge-offs to loans | 0.0262% | 1,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -22.3333% | 4,612 |
| Efficiency ratio | 110.9477% | 102 |
| Assets per employee ($millions) | 5.0882% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 1,631 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 507 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.8800% | 2,952 |
| Net loans and leases to deposits | 63.3913% | 3,297 |
| Net loans and leases to core deposits | 74.6834% | 2,950 |
| Total domestic deposits to total assets | 92.8900% | 314 |
| Equity capital to assets | 6.9298% | 3,647 |
| Core capital (leverage) ratio | 11.0617% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6959% | 1,657 |
| Memoranda: | ||
| Average total assets | $25,755,750 | 4,521 |
| Average earning assets | $23,742,000 | 4,484 |
| Average equity | $2,083,250 | 4,507 |
| Average total loans | $15,280,250 | 4,368 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,945 |
| Cost of funding earning assets | 1.2490% | 1,856 |
| Net interest margin | 3.1268% | 3,160 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.6503% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.4718% | 4,567 |
| Return on assets (ROA) | -0.2629% | 4,530 |
| Pretax return on assets | -0.2475% | 4,519 |
| Return on Equity (ROE) | -3.1100% | 4,513 |
| Retained earnings to average equity (ytd only) | -3.1050% | 4,351 |
| Net charge-offs to loans | 0.0131% | 1,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -59.0000% | 4,652 |
| Efficiency ratio | 114.2857% | 85 |
| Assets per employee ($millions) | 3.1994% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 1,796 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8089% | 164 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.2800% | 2,746 |
| Net loans and leases to deposits | 65.8768% | 3,064 |
| Net loans and leases to core deposits | 78.8723% | 2,554 |
| Total domestic deposits to total assets | 91.5100% | 506 |
| Equity capital to assets | 8.3337% | 2,998 |
| Core capital (leverage) ratio | 11.2175% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2731% | 1,795 |
| Memoranda: | ||
| Average total assets | $25,860,667 | 4,544 |
| Average earning assets | $23,858,333 | 4,511 |
| Average equity | $2,190,000 | 4,532 |
| Average total loans | $15,311,667 | 4,390 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 2,319 |
| Cost of funding earning assets | 0.8995% | 2,374 |
| Net interest margin | 3.5981% | 2,136 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.7086% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0716% | 4,523 |
| Return on assets (ROA) | 0.3232% | 4,173 |
| Pretax return on assets | 0.3385% | 4,223 |
| Return on Equity (ROE) | 3.7900% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.7863% | 3,327 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 102.1186% | 148 |
| Assets per employee ($millions) | 5.1608% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,766 |
| 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 | 58.5600% | 2,815 |
| Net loans and leases to deposits | 64.0867% | 3,076 |
| Net loans and leases to core deposits | 74.6812% | 2,627 |
| Total domestic deposits to total assets | 91.3800% | 679 |
| Equity capital to assets | 8.5336% | 2,864 |
| Core capital (leverage) ratio | 11.4842% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9754% | 1,634 |
| Memoranda: | ||
| Average total assets | $25,993,500 | 4,602 |
| Average earning assets | $24,013,000 | 4,573 |
| Average equity | $2,218,500 | 4,592 |
| Average total loans | $15,149,000 | 4,452 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 1,295 |
| Cost of funding earning assets | 0.4250% | 1,907 |
| Net interest margin | 3.7503% | 1,263 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.6581% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0940% | 4,513 |
| Return on assets (ROA) | 0.1109% | 4,492 |
| Pretax return on assets | 0.1261% | 4,491 |
| Return on Equity (ROE) | 1.1600% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.1591% | 4,166 |
| Net charge-offs to loans | -0.0328% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 97.1574% | 183 |
| Assets per employee ($millions) | 5.2366% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,519 |
| 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 | 56.4100% | 2,984 |
| Net loans and leases to deposits | 61.7072% | 3,223 |
| Net loans and leases to core deposits | 70.0085% | 2,869 |
| Total domestic deposits to total assets | 91.4100% | 807 |
| Equity capital to assets | 8.5361% | 2,686 |
| Core capital (leverage) ratio | 10.8479% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7355% | 1,719 |
| Memoranda: | ||
| Average total assets | $26,161,000 | 4,638 |
| Average earning assets | $24,237,800 | 4,606 |
| Average equity | $2,502,000 | 4,645 |
| Average total loans | $15,221,400 | 4,477 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 1,267 |
| Cost of funding earning assets | 0.3795% | 1,445 |
| Net interest margin | 3.6193% | 1,353 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 3.5122% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1297% | 4,529 |
| Return on assets (ROA) | 0.1529% | 4,480 |
| Pretax return on assets | 0.1682% | 4,483 |
| Return on Equity (ROE) | 1.5600% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.5571% | 4,130 |
| Net charge-offs to loans | -0.0436% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 96.0948% | 198 |
| Assets per employee ($millions) | 5.4832% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 1,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.9400% | 2,907 |
| Net loans and leases to deposits | 61.0306% | 3,106 |
| Net loans and leases to core deposits | 70.1441% | 2,630 |
| Total domestic deposits to total assets | 91.6600% | 988 |
| Equity capital to assets | 8.3054% | 2,674 |
| Core capital (leverage) ratio | 11.0083% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5311% | 1,864 |
| Memoranda: | ||
| Average total assets | $26,155,500 | 4,672 |
| Average earning assets | $24,240,000 | 4,641 |
| Average equity | $2,568,750 | 4,681 |
| Average total loans | $15,282,250 | 4,513 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 1,083 |
| Cost of funding earning assets | 0.3942% | 956 |
| Net interest margin | 3.5229% | 1,257 |
| Noninterest income to average assets | 0.3109% | 3,298 |
| Noninterest expense to average assets | 3.5515% | 418 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0078% | 4,575 |
| Return on assets (ROA) | 0.0078% | 4,546 |
| Pretax return on assets | 0.0233% | 4,531 |
| Return on Equity (ROE) | 0.0750% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.0750% | 4,169 |
| Net charge-offs to loans | -0.0658% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3478% | 193 |
| Assets per employee ($millions) | 4.3442% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.9870% | 2,759 |
| Net loans and leases to deposits | 61.6102% | 2,919 |
| Net loans and leases to core deposits | 70.3854% | 2,464 |
| Total domestic deposits to total assets | 90.8728% | 1,291 |
| Equity capital to assets | 9.0965% | 2,319 |
| Core capital (leverage) ratio | 10.9311% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3769% | 1,607 |
| Memoranda: | ||
| Average total assets | $25,735,333 | 4,711 |
| Average earning assets | $23,844,000 | 4,692 |
| Average equity | $2,666,000 | 4,708 |
| Average total loans | $15,194,333 | 4,575 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 1,012 |
| Cost of funding earning assets | 0.3877% | 937 |
| Net interest margin | 3.4553% | 1,174 |
| Noninterest income to average assets | 0.3129% | 3,226 |
| Noninterest expense to average assets | 3.6605% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1564% | 4,624 |
| Return on assets (ROA) | -0.1564% | 4,608 |
| Pretax return on assets | -0.1408% | 4,596 |
| Return on Equity (ROE) | -1.4217% | 4,608 |
| Retained earnings to average equity (ytd only) | -1.4217% | 4,186 |
| Net charge-offs to loans | -0.1300% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0000% | 189 |
| Assets per employee ($millions) | 4.2748% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.0140% | 2,064 |
| Net loans and leases to deposits | 67.0661% | 2,237 |
| Net loans and leases to core deposits | 76.2407% | 1,767 |
| Total domestic deposits to total assets | 89.4850% | 1,822 |
| Equity capital to assets | 10.4838% | 1,595 |
| Core capital (leverage) ratio | 11.2081% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3650% | 1,679 |
| Memoranda: | ||
| Average total assets | $25,570,500 | 4,738 |
| Average earning assets | $23,731,500 | 4,716 |
| Average equity | $2,813,500 | 4,726 |
| Average total loans | $15,390,500 | 4,591 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 911 |
| Cost of funding earning assets | 0.4813% | 1,003 |
| Net interest margin | 3.7749% | 1,062 |
| Noninterest income to average assets | 0.2771% | 3,730 |
| Noninterest expense to average assets | 3.5390% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2366% | 4,499 |
| Return on assets (ROA) | 0.5948% | 3,929 |
| Pretax return on assets | 0.6169% | 4,078 |
| Return on Equity (ROE) | 5.1989% | 3,954 |
| Retained earnings to average equity (ytd only) | 0.3552% | 4,402 |
| Net charge-offs to loans | 0.0061% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,117 |
| Efficiency ratio | 93.5547% | 240 |
| Assets per employee ($millions) | 4.2487% | 4,299 |
| Cash dividends to net income (ytd only)* | 93.1677% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.7439% | 2,303 |
| Net loans and leases to deposits | 66.4286% | 2,469 |
| Net loans and leases to core deposits | 75.2967% | 1,975 |
| Total domestic deposits to total assets | 88.4317% | 1,827 |
| Equity capital to assets | 11.5252% | 1,499 |
| Core capital (leverage) ratio | 10.6944% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0966% | 1,482 |
| Memoranda: | ||
| Average total assets | $27,070,000 | 4,762 |
| Average earning assets | $25,139,600 | 4,745 |
| Average equity | $3,096,800 | 4,761 |
| Average total loans | $16,355,600 | 4,627 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 950 |
| Cost of funding earning assets | 0.4969% | 1,061 |
| Net interest margin | 3.8027% | 1,115 |
| Noninterest income to average assets | 0.2719% | 3,792 |
| Noninterest expense to average assets | 3.3740% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4080% | 4,362 |
| Return on assets (ROA) | 0.4126% | 4,388 |
| Pretax return on assets | 0.4321% | 4,451 |
| Return on Equity (ROE) | 3.6133% | 4,364 |
| Retained earnings to average equity (ytd only) | 3.6133% | 3,706 |
| Net charge-offs to loans | 0.0160% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,304 |
| Efficiency ratio | 88.7612% | 356 |
| Assets per employee ($millions) | 4.6052% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.7757% | 2,523 |
| Net loans and leases to deposits | 65.3807% | 2,691 |
| Net loans and leases to core deposits | 81.4739% | 1,611 |
| Total domestic deposits to total assets | 88.3681% | 1,638 |
| Equity capital to assets | 11.5921% | 1,613 |
| Core capital (leverage) ratio | 10.5631% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4646% | 1,811 |
| Memoranda: | ||
| Average total assets | $27,464,500 | 4,830 |
| Average earning assets | $25,489,750 | 4,813 |
| Average equity | $3,136,500 | 4,833 |
| Average total loans | $16,649,750 | 4,693 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 1,003 |
| Cost of funding earning assets | 0.4947% | 1,233 |
| Net interest margin | 3.8082% | 1,127 |
| Noninterest income to average assets | 0.2700% | 3,783 |
| Noninterest expense to average assets | 3.3639% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4307% | 4,331 |
| Return on assets (ROA) | 0.4378% | 4,363 |
| Pretax return on assets | 0.4524% | 4,451 |
| Return on Equity (ROE) | 3.8532% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.8532% | 3,567 |
| Net charge-offs to loans | -0.0119% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3142% | 389 |
| Assets per employee ($millions) | 4.6560% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.0145% | 2,304 |
| Net loans and leases to deposits | 68.8882% | 2,528 |
| Net loans and leases to core deposits | 85.5115% | 1,455 |
| Total domestic deposits to total assets | 88.5703% | 1,532 |
| Equity capital to assets | 11.3939% | 1,704 |
| Core capital (leverage) ratio | 10.5963% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2493% | 2,266 |
| Memoranda: | ||
| Average total assets | $27,409,000 | 4,864 |
| Average earning assets | $25,471,333 | 4,844 |
| Average equity | $3,114,333 | 4,865 |
| Average total loans | $16,810,667 | 4,721 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 1,066 |
| Cost of funding earning assets | 0.5235% | 1,250 |
| Net interest margin | 3.7600% | 1,215 |
| Noninterest income to average assets | 0.2652% | 3,807 |
| Noninterest expense to average assets | 3.4776% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2652% | 4,567 |
| Return on assets (ROA) | 0.2652% | 4,593 |
| Pretax return on assets | 0.2800% | 4,619 |
| Return on Equity (ROE) | 2.3377% | 4,568 |
| Retained earnings to average equity (ytd only) | 2.3377% | 3,943 |
| Net charge-offs to loans | -0.0241% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5490% | 312 |
| Assets per employee ($millions) | 4.5985% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,720 |
| Loan loss allowance to noncurrent loans | 10,300.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,333 |
| Noncurrent loans to loans | 0.0120% | 4,250 |
| Net loans and leases to total assets | 59.4940% | 2,602 |
| Net loans and leases to deposits | 66.9672% | 2,815 |
| Net loans and leases to core deposits | 84.9286% | 1,593 |
| Total domestic deposits to total assets | 88.8406% | 1,420 |
| Equity capital to assets | 11.1268% | 1,769 |
| Core capital (leverage) ratio | 10.0327% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9720% | 2,297 |
| Memoranda: | ||
| Average total assets | $27,145,500 | 4,892 |
| Average earning assets | $25,212,500 | 4,874 |
| Average equity | $3,080,000 | 4,891 |
| Average total loans | $16,590,500 | 4,751 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 1,489 |
| Cost of funding earning assets | 0.7374% | 1,525 |
| Net interest margin | 3.6953% | 1,815 |
| Noninterest income to average assets | 0.3385% | 3,436 |
| Noninterest expense to average assets | 3.7467% | 496 |
| Loan and lease loss provision to assets | 0.4374% | 654 |
| Net operating income to assets | -0.4252% | 4,867 |
| Return on assets (ROA) | 0.7341% | 3,444 |
| Pretax return on assets | 0.7493% | 3,764 |
| Return on Equity (ROE) | 6.0872% | 3,555 |
| Retained earnings to average equity (ytd only) | 0.5677% | 4,355 |
| Net charge-offs to loans | -0.0220% | 4,451 |
| Credit loss provision to net charge-offs | -3,833.3333% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8986% | 174 |
| Assets per employee ($millions) | 4.4500% | 3,970 |
| Cash dividends to net income (ytd only)* | 90.6736% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 61.2547% | 2,698 |
| Net loans and leases to deposits | 69.3243% | 2,952 |
| Net loans and leases to core deposits | 88.7845% | 1,623 |
| Total domestic deposits to total assets | 88.3596% | 1,299 |
| Equity capital to assets | 11.5730% | 1,833 |
| Core capital (leverage) ratio | 10.7085% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7655% | 1,944 |
| Memoranda: | ||
| Average total assets | $26,289,800 | 4,897 |
| Average earning assets | $24,274,000 | 4,886 |
| Average equity | $3,170,600 | 4,900 |
| Average total loans | $13,625,200 | 4,833 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 1,792 |
| Cost of funding earning assets | 0.7841% | 1,570 |
| Net interest margin | 3.6391% | 2,127 |
| Noninterest income to average assets | 0.3513% | 3,353 |
| Noninterest expense to average assets | 3.6505% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0525% | 4,736 |
| Return on assets (ROA) | 0.6313% | 3,777 |
| Pretax return on assets | 0.6466% | 4,017 |
| Return on Equity (ROE) | 5.1815% | 3,836 |
| Retained earnings to average equity (ytd only) | 5.1815% | 2,482 |
| Net charge-offs to loans | -0.0310% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4890% | 187 |
| Assets per employee ($millions) | 4.3508% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.2197% | 3,871 |
| Net loans and leases to deposits | 61.0091% | 3,992 |
| Net loans and leases to core deposits | 78.8613% | 2,931 |
| Total domestic deposits to total assets | 87.2323% | 1,564 |
| Equity capital to assets | 12.7025% | 1,331 |
| Core capital (leverage) ratio | 11.1604% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6947% | 1,593 |
| Memoranda: | ||
| Average total assets | $26,187,250 | 4,931 |
| Average earning assets | $24,144,750 | 4,919 |
| Average equity | $3,190,750 | 4,930 |
| Average total loans | $12,891,500 | 4,876 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 2,281 |
| Cost of funding earning assets | 0.8043% | 1,802 |
| Net interest margin | 3.5655% | 2,594 |
| Noninterest income to average assets | 0.3586% | 3,333 |
| Noninterest expense to average assets | 3.7384% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0966% | 4,828 |
| Return on assets (ROA) | 0.7782% | 3,234 |
| Pretax return on assets | 0.7934% | 3,607 |
| Return on Equity (ROE) | 6.4782% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.4782% | 1,873 |
| Net charge-offs to loans | -0.0319% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7254% | 152 |
| Assets per employee ($millions) | 4.4427% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6446% | 4,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 51.4631% | 4,062 |
| Net loans and leases to deposits | 58.6992% | 4,181 |
| Net loans and leases to core deposits | 75.2290% | 3,353 |
| Total domestic deposits to total assets | 87.6726% | 1,340 |
| Equity capital to assets | 12.2674% | 1,504 |
| Core capital (leverage) ratio | 11.1768% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4704% | 1,642 |
| Memoranda: | ||
| Average total assets | $26,214,667 | 4,961 |
| Average earning assets | $24,120,000 | 4,951 |
| Average equity | $3,149,000 | 4,962 |
| Average total loans | $12,527,667 | 4,911 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,900 |
| Cost of funding earning assets | 0.8081% | 2,335 |
| Net interest margin | 3.5016% | 2,983 |
| Noninterest income to average assets | 0.4155% | 3,000 |
| Noninterest expense to average assets | 3.5854% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0326% | 4,728 |
| Return on assets (ROA) | 1.7389% | 517 |
| Pretax return on assets | 1.7543% | 761 |
| Return on Equity (ROE) | 14.6349% | 598 |
| Retained earnings to average equity (ytd only) | 14.6349% | 213 |
| Net charge-offs to loans | -0.0336% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1489% | 250 |
| Assets per employee ($millions) | 4.3425% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 4,668 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 1,240 |
| Noncurrent loans to loans | 0.5782% | 2,556 |
| Net loans and leases to total assets | 50.7772% | 4,196 |
| Net loans and leases to deposits | 57.3025% | 4,309 |
| Net loans and leases to core deposits | 73.6022% | 3,662 |
| Total domestic deposits to total assets | 88.6126% | 832 |
| Equity capital to assets | 11.3260% | 2,570 |
| Core capital (leverage) ratio | 10.5833% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7128% | 2,000 |
| Memoranda: | ||
| Average total assets | $25,994,000 | 5,011 |
| Average earning assets | $23,760,500 | 4,997 |
| Average equity | $3,088,500 | 5,011 |
| Average total loans | $11,888,000 | 4,964 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 3,827 |
| Cost of funding earning assets | 0.7658% | 2,845 |
| Net interest margin | 3.4278% | 3,660 |
| Noninterest income to average assets | 0.4002% | 3,294 |
| Noninterest expense to average assets | 3.5939% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.0307% | 4,981 |
| Return on assets (ROA) | 0.4263% | 4,577 |
| Pretax return on assets | 0.4413% | 4,652 |
| Return on Equity (ROE) | 3.7097% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.0827% | 3,957 |
| Net charge-offs to loans | 0.0840% | 1,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -0.8889% | 3,653 |
| Efficiency ratio | 100.8395% | 151 |
| Assets per employee ($millions) | 4.3222% | 3,478 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 1,695 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.9915% | 4,731 |
| Net loans and leases to deposits | 45.7174% | 4,795 |
| Net loans and leases to core deposits | 56.2358% | 4,573 |
| Total domestic deposits to total assets | 87.4754% | 1,377 |
| Equity capital to assets | 12.4397% | 1,857 |
| Core capital (leverage) ratio | 10.4088% | 3,062 |
| Tier 1 risk-based capital ratio | 16.1352% | 2,358 |
| Total risk-based capital ratio | 16.6518% | 2,549 |
| Memoranda: | ||
| Average total assets | $26,739,600 | 5,058 |
| Average earning assets | $24,680,600 | 5,044 |
| Average equity | $3,073,000 | 5,068 |
| Average total loans | $10,710,800 | 5,047 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 4,028 |
| Cost of funding earning assets | 0.7440% | 2,994 |
| Net interest margin | 3.4095% | 3,842 |
| Noninterest income to average assets | 0.4107% | 3,253 |
| Noninterest expense to average assets | 3.4494% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0996% | 5,017 |
| Return on assets (ROA) | 0.1039% | 5,030 |
| Pretax return on assets | 0.1188% | 5,029 |
| Return on Equity (ROE) | 0.9226% | 5,019 |
| Retained earnings to average equity (ytd only) | 0.9226% | 4,586 |
| Net charge-offs to loans | 0.1237% | 1,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.3008% | 3,209 |
| Efficiency ratio | 96.8056% | 183 |
| Assets per employee ($millions) | 4.3508% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 4,435 |
| Loan loss allowance to noncurrent loans | 65.1515% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,506 |
| Noncurrent loans to loans | 1.2137% | 1,294 |
| Net loans and leases to total assets | 41.3331% | 4,770 |
| Net loans and leases to deposits | 47.2313% | 4,838 |
| Net loans and leases to core deposits | 57.9422% | 4,611 |
| Total domestic deposits to total assets | 87.5120% | 1,246 |
| Equity capital to assets | 12.4076% | 1,978 |
| Core capital (leverage) ratio | 10.1228% | 3,503 |
| Tier 1 risk-based capital ratio | 15.1343% | 2,789 |
| Total risk-based capital ratio | 15.6185% | 3,053 |
| Memoranda: | ||
| Average total assets | $26,941,250 | 5,134 |
| Average earning assets | $24,910,250 | 5,117 |
| Average equity | $3,034,750 | 5,147 |
| Average total loans | $10,774,000 | 5,126 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 4,188 |
| Cost of funding earning assets | 0.7161% | 3,079 |
| Net interest margin | 3.3734% | 3,977 |
| Noninterest income to average assets | 0.3968% | 3,286 |
| Noninterest expense to average assets | 3.4166% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0819% | 5,068 |
| Return on assets (ROA) | 0.0882% | 5,074 |
| Pretax return on assets | 0.1029% | 5,072 |
| Return on Equity (ROE) | 0.8090% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.8090% | 4,487 |
| Net charge-offs to loans | 0.2048% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,045 |
| Efficiency ratio | 97.2803% | 186 |
| Assets per employee ($millions) | 4.4470% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 39.4273% | 4,864 |
| Net loans and leases to deposits | 44.7698% | 4,935 |
| Net loans and leases to core deposits | 54.2352% | 4,775 |
| Total domestic deposits to total assets | 88.0669% | 1,077 |
| Equity capital to assets | 11.8657% | 2,292 |
| Core capital (leverage) ratio | 9.9940% | 3,589 |
| Tier 1 risk-based capital ratio | 15.1144% | 2,786 |
| Total risk-based capital ratio | 15.5968% | 3,064 |
| Memoranda: | ||
| Average total assets | $27,220,000 | 5,176 |
| Average earning assets | $25,137,670 | 5,163 |
| Average equity | $2,966,670 | 5,189 |
| Average total loans | $10,740,000 | 5,170 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 4,407 |
| Cost of funding earning assets | 0.6894% | 3,105 |
| Net interest margin | 3.2904% | 4,183 |
| Noninterest income to average assets | 0.3492% | 3,522 |
| Noninterest expense to average assets | 3.3177% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0728% | 5,104 |
| Return on assets (ROA) | 0.0728% | 5,109 |
| Pretax return on assets | 0.0873% | 5,104 |
| Return on Equity (ROE) | 0.6976% | 5,101 |
| Retained earnings to average equity (ytd only) | 0.6976% | 4,384 |
| Net charge-offs to loans | 0.4441% | 343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 2,664 |
| Efficiency ratio | 97.4359% | 206 |
| Assets per employee ($millions) | 4.5637% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,523 |
| Loan loss allowance to noncurrent loans | 227.0270% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,121 |
| Noncurrent loans to loans | 0.3525% | 3,315 |
| Net loans and leases to total assets | 38.0213% | 4,956 |
| Net loans and leases to deposits | 42.6663% | 5,020 |
| Net loans and leases to core deposits | 50.8598% | 4,866 |
| Total domestic deposits to total assets | 89.1133% | 809 |
| Equity capital to assets | 10.8319% | 3,017 |
| Core capital (leverage) ratio | 9.5196% | 4,109 |
| Tier 1 risk-based capital ratio | 14.4394% | 3,124 |
| Total risk-based capital ratio | 14.9052% | 3,429 |
| Memoranda: | ||
| Average total assets | $27,489,000 | 5,227 |
| Average earning assets | $25,528,500 | 5,215 |
| Average equity | $2,867,000 | 5,250 |
| Average total loans | $10,807,500 | 5,230 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,737 |
| Cost of funding earning assets | 0.5576% | 2,998 |
| Net interest margin | 3.5436% | 3,564 |
| Noninterest income to average assets | 0.4933% | 2,866 |
| Noninterest expense to average assets | 3.4606% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2219% | 5,085 |
| Return on assets (ROA) | 0.2595% | 5,047 |
| Pretax return on assets | 0.3545% | 4,995 |
| Return on Equity (ROE) | 2.5199% | 4,978 |
| Retained earnings to average equity (ytd only) | 0.7453% | 4,789 |
| Net charge-offs to loans | 0.1203% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 6.4615% | 3,086 |
| Efficiency ratio | 91.8526% | 282 |
| Assets per employee ($millions) | 4.5993% | 3,017 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,290 |
| Loan loss allowance to noncurrent loans | 43.1111% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 1,712 |
| Noncurrent loans to loans | 2.0234% | 666 |
| Net loans and leases to total assets | 39.9442% | 4,949 |
| Net loans and leases to deposits | 44.4261% | 5,019 |
| Net loans and leases to core deposits | 52.5280% | 4,889 |
| Total domestic deposits to total assets | 89.9116% | 504 |
| Equity capital to assets | 10.0304% | 3,656 |
| Core capital (leverage) ratio | 9.3780% | 4,264 |
| Tier 1 risk-based capital ratio | 13.7834% | 3,395 |
| Total risk-based capital ratio | 14.3081% | 3,705 |
| Memoranda: | ||
| Average total assets | $27,365,000 | 5,274 |
| Average earning assets | $25,285,000 | 5,258 |
| Average equity | $2,817,600 | 5,293 |
| Average total loans | $10,802,600 | 5,273 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,726 |
| Cost of funding earning assets | 0.5288% | 3,006 |
| Net interest margin | 3.5428% | 3,546 |
| Noninterest income to average assets | 0.5371% | 2,633 |
| Noninterest expense to average assets | 3.3397% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3502% | 5,030 |
| Return on assets (ROA) | 0.4004% | 4,958 |
| Pretax return on assets | 0.5322% | 4,852 |
| Return on Equity (ROE) | 3.8633% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.8633% | 3,848 |
| Net charge-offs to loans | 0.1741% | 957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.8559% | 2,847 |
| Efficiency ratio | 87.6923% | 420 |
| Assets per employee ($millions) | 4.5672% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,361 |
| Loan loss allowance to noncurrent loans | 211.1111% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 4,141 |
| Noncurrent loans to loans | 0.4141% | 3,167 |
| Net loans and leases to total assets | 39.3059% | 5,046 |
| Net loans and leases to deposits | 43.7099% | 5,119 |
| Net loans and leases to core deposits | 51.7016% | 4,976 |
| Total domestic deposits to total assets | 89.9245% | 536 |
| Equity capital to assets | 10.0244% | 3,617 |
| Core capital (leverage) ratio | 9.4353% | 4,247 |
| Tier 1 risk-based capital ratio | 14.4621% | 3,146 |
| Total risk-based capital ratio | 14.9930% | 3,409 |
| Memoranda: | ||
| Average total assets | $27,307,250 | 5,346 |
| Average earning assets | $25,214,500 | 5,328 |
| Average equity | $2,830,000 | 5,363 |
| Average total loans | $10,723,250 | 5,339 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,648 |
| Cost of funding earning assets | 0.5159% | 2,893 |
| Net interest margin | 3.5240% | 3,556 |
| Noninterest income to average assets | 0.4253% | 3,321 |
| Noninterest expense to average assets | 3.3657% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3047% | 5,108 |
| Return on assets (ROA) | 0.4033% | 4,959 |
| Pretax return on assets | 0.4180% | 5,025 |
| Return on Equity (ROE) | 3.8493% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.8493% | 3,676 |
| Net charge-offs to loans | 0.1873% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,801 |
| Efficiency ratio | 91.4343% | 323 |
| Assets per employee ($millions) | 4.5247% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,234 |
| Loan loss allowance to noncurrent loans | 1,980.0000% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,939 |
| Noncurrent loans to loans | 0.0466% | 4,710 |
| Net loans and leases to total assets | 39.1336% | 5,086 |
| Net loans and leases to deposits | 43.6932% | 5,151 |
| Net loans and leases to core deposits | 52.0886% | 4,992 |
| Total domestic deposits to total assets | 89.5646% | 719 |
| Equity capital to assets | 10.3949% | 3,215 |
| Core capital (leverage) ratio | 9.6243% | 3,970 |
| Tier 1 risk-based capital ratio | 14.3867% | 3,162 |
| Total risk-based capital ratio | 14.9422% | 3,424 |
| Memoranda: | ||
| Average total assets | $27,275,330 | 5,410 |
| Average earning assets | $25,198,330 | 5,389 |
| Average equity | $2,857,670 | 5,423 |
| Average total loans | $10,675,670 | 5,397 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,404 |
| Cost of funding earning assets | 0.5065% | 2,747 |
| Net interest margin | 3.5458% | 3,361 |
| Noninterest income to average assets | 0.3511% | 3,799 |
| Noninterest expense to average assets | 3.4090% | 1,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2048% | 5,235 |
| Return on assets (ROA) | 0.2048% | 5,233 |
| Pretax return on assets | 0.2195% | 5,247 |
| Return on Equity (ROE) | 1.9475% | 5,186 |
| Retained earnings to average equity (ytd only) | 1.9475% | 4,362 |
| Net charge-offs to loans | 0.4131% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.3636% | 2,566 |
| Efficiency ratio | 93.9516% | 300 |
| Assets per employee ($millions) | 4.5405% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,356 |
| Loan loss allowance to noncurrent loans | 1,960.0000% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,024 |
| Noncurrent loans to loans | 0.0469% | 4,764 |
| Net loans and leases to total assets | 38.7549% | 5,114 |
| Net loans and leases to deposits | 43.2492% | 5,179 |
| Net loans and leases to core deposits | 50.6549% | 5,025 |
| Total domestic deposits to total assets | 89.6083% | 834 |
| Equity capital to assets | 10.3550% | 3,214 |
| Core capital (leverage) ratio | 9.3284% | 4,283 |
| Tier 1 risk-based capital ratio | 14.2143% | 3,274 |
| Total risk-based capital ratio | 14.7645% | 3,556 |
| Memoranda: | ||
| Average total assets | $27,339,000 | 5,466 |
| Average earning assets | $25,269,500 | 5,447 |
| Average equity | $2,875,500 | 5,478 |
| Average total loans | $10,652,000 | 5,461 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 3,680 |
| Cost of funding earning assets | 0.4308% | 2,953 |
| Net interest margin | 3.4817% | 3,586 |
| Noninterest income to average assets | 0.3372% | 4,055 |
| Noninterest expense to average assets | 3.3575% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1658% | 5,168 |
| Return on assets (ROA) | 0.1777% | 5,164 |
| Pretax return on assets | 0.2175% | 5,294 |
| Return on Equity (ROE) | 1.6130% | 5,133 |
| Retained earnings to average equity (ytd only) | -1.6788% | 5,249 |
| Net charge-offs to loans | -0.0193% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2974% | 287 |
| Assets per employee ($millions) | 4.5725% | 3,071 |
| Cash dividends to net income (ytd only)* | 204.0816% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,785 |
| Loan loss allowance to noncurrent loans | 403.7037% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,635 |
| Noncurrent loans to loans | 0.2536% | 3,876 |
| Net loans and leases to total assets | 38.4144% | 5,204 |
| Net loans and leases to deposits | 43.0321% | 5,267 |
| Net loans and leases to core deposits | 50.3439% | 5,123 |
| Total domestic deposits to total assets | 89.2692% | 882 |
| Equity capital to assets | 10.6798% | 2,958 |
| Core capital (leverage) ratio | 9.3859% | 4,182 |
| Tier 1 risk-based capital ratio | 14.6842% | 3,000 |
| Total risk-based capital ratio | 15.3010% | 3,228 |
| Memoranda: | ||
| Average total assets | $27,580,400 | 5,525 |
| Average earning assets | $25,533,800 | 5,503 |
| Average equity | $3,037,800 | 5,523 |
| Average total loans | $10,374,000 | 5,531 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 3,820 |
| Cost of funding earning assets | 0.4125% | 3,066 |
| Net interest margin | 3.4407% | 3,707 |
| Noninterest income to average assets | 0.3476% | 4,049 |
| Noninterest expense to average assets | 3.2250% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3186% | 5,184 |
| Return on assets (ROA) | 0.3379% | 5,171 |
| Pretax return on assets | 0.3235% | 5,288 |
| Return on Equity (ROE) | 3.0453% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.0453% | 4,094 |
| Net charge-offs to loans | -0.0517% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3817% | 359 |
| Assets per employee ($millions) | 4.7813% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,949 |
| Loan loss allowance to noncurrent loans | 616.6667% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,919 |
| Noncurrent loans to loans | 0.1655% | 4,400 |
| Net loans and leases to total assets | 37.5174% | 5,286 |
| Net loans and leases to deposits | 42.1863% | 5,360 |
| Net loans and leases to core deposits | 49.3218% | 5,223 |
| Total domestic deposits to total assets | 88.9327% | 920 |
| Equity capital to assets | 11.0220% | 2,844 |
| Core capital (leverage) ratio | 9.9177% | 3,676 |
| Tier 1 risk-based capital ratio | 15.4583% | 2,720 |
| Total risk-based capital ratio | 16.0797% | 2,930 |
| Memoranda: | ||
| Average total assets | $27,616,750 | 5,586 |
| Average earning assets | $25,537,000 | 5,564 |
| Average equity | $3,064,750 | 5,584 |
| Average total loans | $10,305,500 | 5,592 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,636 |
| Cost of funding earning assets | 0.3901% | 3,179 |
| Net interest margin | 3.4869% | 3,455 |
| Noninterest income to average assets | 0.3228% | 4,244 |
| Noninterest expense to average assets | 3.2576% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3081% | 5,201 |
| Return on assets (ROA) | 0.3375% | 5,154 |
| Pretax return on assets | 0.3081% | 5,328 |
| Return on Equity (ROE) | 3.0340% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.0340% | 3,909 |
| Net charge-offs to loans | -0.0395% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1162% | 360 |
| Assets per employee ($millions) | 4.5397% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.2288% | 5,375 |
| Net loans and leases to deposits | 40.9818% | 5,423 |
| Net loans and leases to core deposits | 48.3181% | 5,274 |
| Total domestic deposits to total assets | 88.4022% | 1,255 |
| Equity capital to assets | 11.5611% | 2,260 |
| Core capital (leverage) ratio | 10.0576% | 3,458 |
| Tier 1 risk-based capital ratio | 13.5783% | 3,656 |
| Total risk-based capital ratio | 14.1181% | 3,996 |
| Memoranda: | ||
| Average total assets | $27,259,670 | 5,634 |
| Average earning assets | $25,122,330 | 5,617 |
| Average equity | $3,032,330 | 5,633 |
| Average total loans | $10,116,000 | 5,644 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 3,466 |
| Cost of funding earning assets | 0.3512% | 3,517 |
| Net interest margin | 3.5281% | 3,169 |
| Noninterest income to average assets | 0.2925% | 4,463 |
| Noninterest expense to average assets | 3.2617% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3364% | 5,112 |
| Return on assets (ROA) | 0.3364% | 5,133 |
| Pretax return on assets | 0.2633% | 5,358 |
| Return on Equity (ROE) | 3.0935% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.0935% | 3,868 |
| Net charge-offs to loans | -0.0393% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5311% | 427 |
| Assets per employee ($millions) | 4.6225% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 34.8332% | 5,446 |
| Net loans and leases to deposits | 39.2070% | 5,499 |
| Net loans and leases to core deposits | 46.0157% | 5,365 |
| Total domestic deposits to total assets | 88.8444% | 1,229 |
| Equity capital to assets | 10.8203% | 2,835 |
| Core capital (leverage) ratio | 10.4288% | 2,986 |
| Tier 1 risk-based capital ratio | 18.0224% | 1,869 |
| Total risk-based capital ratio | 18.7087% | 2,000 |
| Memoranda: | ||
| Average total assets | $27,347,500 | 5,701 |
| Average earning assets | $25,056,000 | 5,682 |
| Average equity | $2,974,000 | 5,700 |
| Average total loans | $10,185,500 | 5,708 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,390 |
| Cost of funding earning assets | 0.3711% | 3,304 |
| Net interest margin | 3.5775% | 3,154 |
| Noninterest income to average assets | 0.3621% | 4,156 |
| Noninterest expense to average assets | 3.5599% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1258% | 5,531 |
| Return on assets (ROA) | 0.4650% | 4,835 |
| Pretax return on assets | 0.4116% | 5,207 |
| Return on Equity (ROE) | 3.9362% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.9362% | 3,121 |
| Net charge-offs to loans | -0.0408% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0063% | 248 |
| Assets per employee ($millions) | 4.4933% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 38.9280% | 5,363 |
| Net loans and leases to deposits | 43.8479% | 5,439 |
| Net loans and leases to core deposits | 51.7021% | 5,242 |
| Total domestic deposits to total assets | 88.7797% | 1,212 |
| Equity capital to assets | 10.9310% | 2,685 |
| Core capital (leverage) ratio | 10.4208% | 2,961 |
| Tier 1 risk-based capital ratio | 16.0285% | 2,532 |
| Total risk-based capital ratio | 16.6382% | 2,730 |
| Memoranda: | ||
| Average total assets | $26,237,000 | 5,766 |
| Average earning assets | $23,983,000 | 5,746 |
| Average equity | $3,099,400 | 5,749 |
| Average total loans | $9,796,800 | 5,771 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,314 |
| Cost of funding earning assets | 0.3810% | 3,217 |
| Net interest margin | 3.5917% | 3,105 |
| Noninterest income to average assets | 0.3326% | 4,409 |
| Noninterest expense to average assets | 3.4744% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1302% | 5,582 |
| Return on assets (ROA) | 0.5629% | 4,550 |
| Pretax return on assets | 0.5936% | 4,893 |
| Return on Equity (ROE) | 4.6744% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.6744% | 3,040 |
| Net charge-offs to loans | -0.0417% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1756% | 310 |
| Assets per employee ($millions) | 4.4867% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,183 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,502 |
| Noncurrent loans to loans | 0.0196% | 5,316 |
| Net loans and leases to total assets | 37.4777% | 5,492 |
| Net loans and leases to deposits | 42.8226% | 5,556 |
| Net loans and leases to core deposits | 51.2731% | 5,339 |
| Total domestic deposits to total assets | 87.5186% | 1,653 |
| Equity capital to assets | 11.7571% | 2,296 |
| Core capital (leverage) ratio | 10.6516% | 2,824 |
| Tier 1 risk-based capital ratio | 16.4882% | 2,422 |
| Total risk-based capital ratio | 17.1119% | 2,620 |
| Memoranda: | ||
| Average total assets | $26,056,250 | 5,828 |
| Average earning assets | $23,795,250 | 5,810 |
| Average equity | $3,137,500 | 5,806 |
| Average total loans | $9,595,500 | 5,838 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,279 |
| Cost of funding earning assets | 0.3664% | 3,393 |
| Net interest margin | 3.6217% | 3,009 |
| Noninterest income to average assets | 0.2794% | 4,785 |
| Noninterest expense to average assets | 3.4616% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1122% | 5,653 |
| Return on assets (ROA) | 0.7684% | 3,603 |
| Pretax return on assets | 0.8072% | 4,259 |
| Return on Equity (ROE) | 6.3293% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.3293% | 1,945 |
| Net charge-offs to loans | -0.0851% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7462% | 319 |
| Assets per employee ($millions) | 4.2678% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.7553% | 5,523 |
| Net loans and leases to deposits | 43.5633% | 5,580 |
| Net loans and leases to core deposits | 52.3812% | 5,349 |
| Total domestic deposits to total assets | 86.6677% | 2,075 |
| Equity capital to assets | 12.4849% | 1,781 |
| Core capital (leverage) ratio | 10.8705% | 2,565 |
| Tier 1 risk-based capital ratio | 17.0266% | 2,208 |
| Total risk-based capital ratio | 17.6794% | 2,397 |
| Memoranda: | ||
| Average total assets | $25,768,330 | 5,903 |
| Average earning assets | $23,469,330 | 5,887 |
| Average equity | $3,128,330 | 5,877 |
| Average total loans | $9,395,670 | 5,914 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,141 |
| Cost of funding earning assets | 0.3734% | 3,362 |
| Net interest margin | 3.6489% | 2,891 |
| Noninterest income to average assets | 0.2476% | 4,962 |
| Noninterest expense to average assets | 3.4972% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2012% | 5,521 |
| Return on assets (ROA) | 0.4642% | 4,848 |
| Pretax return on assets | 0.3404% | 5,429 |
| Return on Equity (ROE) | 3.8785% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.8785% | 3,559 |
| Net charge-offs to loans | -0.0869% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8355% | 348 |
| Assets per employee ($millions) | 4.3337% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 35.9319% | 5,643 |
| Net loans and leases to deposits | 41.2349% | 5,674 |
| Net loans and leases to core deposits | 49.1582% | 5,474 |
| Total domestic deposits to total assets | 87.1395% | 2,140 |
| Equity capital to assets | 12.0298% | 2,021 |
| Core capital (leverage) ratio | 10.6681% | 2,777 |
| Tier 1 risk-based capital ratio | 18.2986% | 1,909 |
| Total risk-based capital ratio | 19.0047% | 2,015 |
| Memoranda: | ||
| Average total assets | $25,849,000 | 5,959 |
| Average earning assets | $23,568,500 | 5,943 |
| Average equity | $3,094,000 | 5,937 |
| Average total loans | $9,206,000 | 5,978 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,895 |
| Cost of funding earning assets | 0.3065% | 4,178 |
| Net interest margin | 3.2029% | 4,620 |
| Noninterest income to average assets | 0.2701% | 4,937 |
| Noninterest expense to average assets | 3.2961% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0623% | 5,801 |
| Return on assets (ROA) | 0.5159% | 4,721 |
| Pretax return on assets | 0.3947% | 5,327 |
| Return on Equity (ROE) | 2.9582% | 5,315 |
| Retained earnings to average equity (ytd only) | -46.6765% | 6,170 |
| Net charge-offs to loans | 0.2165% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.8947% | 4,327 |
| Efficiency ratio | 101.8182% | 248 |
| Assets per employee ($millions) | 4.2827% | 3,428 |
| Cash dividends to net income (ytd only)* | 1,677.8523% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.4840% | 5,759 |
| Net loans and leases to deposits | 39.4893% | 5,790 |
| Net loans and leases to core deposits | 46.8464% | 5,611 |
| Total domestic deposits to total assets | 87.3249% | 1,970 |
| Equity capital to assets | 11.9085% | 2,025 |
| Core capital (leverage) ratio | 9.9571% | 3,566 |
| Tier 1 risk-based capital ratio | 18.2095% | 1,905 |
| Total risk-based capital ratio | 18.9065% | 2,022 |
| Memoranda: | ||
| Average total assets | $28,883,000 | 5,977 |
| Average earning assets | $26,756,600 | 5,956 |
| Average equity | $5,036,800 | 5,646 |
| Average total loans | $8,776,600 | 6,040 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3762% | 5,255 |
| Cost of funding earning assets | 0.2902% | 4,452 |
| Net interest margin | 3.0860% | 4,995 |
| Noninterest income to average assets | 0.2605% | 5,079 |
| Noninterest expense to average assets | 3.1491% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0449% | 5,896 |
| Return on assets (ROA) | 0.5436% | 4,713 |
| Pretax return on assets | 0.4762% | 5,278 |
| Return on Equity (ROE) | 2.9168% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.9168% | 4,373 |
| Net charge-offs to loans | -0.1069% | 5,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7184% | 283 |
| Assets per employee ($millions) | 4.6522% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 32.5905% | 5,906 |
| Net loans and leases to deposits | 41.0663% | 5,831 |
| Net loans and leases to core deposits | 48.6211% | 5,628 |
| Total domestic deposits to total assets | 79.3609% | 4,895 |
| Equity capital to assets | 19.8975% | 238 |
| Core capital (leverage) ratio | 18.2216% | 286 |
| Tier 1 risk-based capital ratio | 33.8401% | 384 |
| Total risk-based capital ratio | 34.6855% | 394 |
| Memoranda: | ||
| Average total assets | $29,679,750 | 6,042 |
| Average earning assets | $27,564,500 | 6,022 |
| Average equity | $5,531,000 | 5,607 |
| Average total loans | $8,729,750 | 6,124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 5,362 |
| Cost of funding earning assets | 0.2837% | 4,566 |
| Net interest margin | 3.0572% | 5,071 |
| Noninterest income to average assets | 0.2379% | 5,255 |
| Noninterest expense to average assets | 3.1782% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0066% | 5,999 |
| Return on assets (ROA) | 0.5154% | 4,804 |
| Pretax return on assets | 0.4295% | 5,401 |
| Return on Equity (ROE) | 2.8244% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.8244% | 4,245 |
| Net charge-offs to loans | -0.1635% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9979% | 270 |
| Assets per employee ($millions) | 4.8077% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 2,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 28.4892% | 6,086 |
| Net loans and leases to deposits | 35.5035% | 6,047 |
| Net loans and leases to core deposits | 41.2612% | 5,923 |
| Total domestic deposits to total assets | 80.2434% | 4,808 |
| Equity capital to assets | 19.0598% | 264 |
| Core capital (leverage) ratio | 17.6519% | 319 |
| Tier 1 risk-based capital ratio | 34.0628% | 392 |
| Total risk-based capital ratio | 34.9208% | 399 |
| Memoranda: | ||
| Average total assets | $30,268,670 | 6,108 |
| Average earning assets | $28,195,670 | 6,080 |
| Average equity | $5,523,330 | 5,658 |
| Average total loans | $8,564,330 | 6,198 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3632% | 5,300 |
| Cost of funding earning assets | 0.2757% | 4,718 |
| Net interest margin | 3.0875% | 4,990 |
| Noninterest income to average assets | 0.2066% | 5,475 |
| Noninterest expense to average assets | 2.8535% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3615% | 5,214 |
| Return on assets (ROA) | 0.4906% | 4,851 |
| Pretax return on assets | 0.3744% | 5,488 |
| Return on Equity (ROE) | 2.7457% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.7457% | 4,308 |
| Net charge-offs to loans | -0.3228% | 6,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0833% | 712 |
| Assets per employee ($millions) | 5.2213% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 2,617 |
| Loan loss allowance to noncurrent loans | 477.7778% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 5,595 |
| Noncurrent loans to loans | 0.3057% | 4,695 |
| Net loans and leases to total assets | 27.7835% | 6,138 |
| Net loans and leases to deposits | 34.1735% | 6,116 |
| Net loans and leases to core deposits | 39.1244% | 6,000 |
| Total domestic deposits to total assets | 81.3011% | 4,733 |
| Equity capital to assets | 17.8403% | 344 |
| Core capital (leverage) ratio | 16.2264% | 437 |
| Tier 1 risk-based capital ratio | 31.7778% | 467 |
| Total risk-based capital ratio | 32.5848% | 479 |
| Memoranda: | ||
| Average total assets | $30,980,000 | 6,159 |
| Average earning assets | $29,020,000 | 6,126 |
| Average equity | $5,536,000 | 5,708 |
| Average total loans | $8,673,000 | 6,262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 5,421 |
| Cost of funding earning assets | 0.2800% | 5,000 |
| Net interest margin | 3.1774% | 4,995 |
| Noninterest income to average assets | 0.2690% | 5,199 |
| Noninterest expense to average assets | 2.9482% | 3,007 |
| Loan and lease loss provision to assets | -0.2654% | 6,350 |
| Net operating income to assets | 0.5981% | 4,373 |
| Return on assets (ROA) | 0.7185% | 3,908 |
| Pretax return on assets | 0.7185% | 4,560 |
| Return on Equity (ROE) | 3.7991% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.9276% | 4,836 |
| Net charge-offs to loans | -0.6035% | 6,415 |
| Credit loss provision to net charge-offs | 170.4545% | 1,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8598% | 851 |
| Assets per employee ($millions) | 5.1053% | 2,186 |
| Cash dividends to net income (ytd only)* | 49.2611% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 2,784 |
| Loan loss allowance to noncurrent loans | 451.8519% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,674 |
| Noncurrent loans to loans | 0.3172% | 4,707 |
| Net loans and leases to total assets | 27.3929% | 6,247 |
| Net loans and leases to deposits | 33.6772% | 6,228 |
| Net loans and leases to core deposits | 38.0993% | 6,145 |
| Total domestic deposits to total assets | 81.3398% | 4,640 |
| Equity capital to assets | 17.8996% | 323 |
| Core capital (leverage) ratio | 16.5198% | 414 |
| Tier 1 risk-based capital ratio | 32.7340% | 404 |
| Total risk-based capital ratio | 33.5259% | 415 |
| Memoranda: | ||
| Average total assets | $28,255,000 | 6,285 |
| Average earning assets | $26,783,200 | 6,247 |
| Average equity | $5,343,400 | 5,780 |
| Average total loans | $7,290,800 | 6,389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 5,410 |
| Cost of funding earning assets | 0.2796% | 5,097 |
| Net interest margin | 3.2133% | 4,920 |
| Noninterest income to average assets | 0.2796% | 5,199 |
| Noninterest expense to average assets | 2.9114% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5591% | 4,637 |
| Return on assets (ROA) | 0.6025% | 4,526 |
| Pretax return on assets | 0.4579% | 5,443 |
| Return on Equity (ROE) | 3.1395% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.1395% | 4,387 |
| Net charge-offs to loans | -0.6109% | 6,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5362% | 1,043 |
| Assets per employee ($millions) | 4.8630% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6260% | 548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 23.5109% | 6,397 |
| Net loans and leases to deposits | 29.1989% | 6,379 |
| Net loans and leases to core deposits | 32.5011% | 6,352 |
| Total domestic deposits to total assets | 80.5196% | 4,959 |
| Equity capital to assets | 18.7436% | 285 |
| Core capital (leverage) ratio | 17.1900% | 355 |
| Tier 1 risk-based capital ratio | 37.8815% | 280 |
| Total risk-based capital ratio | 39.1308% | 276 |
| Memoranda: | ||
| Average total assets | $27,660,750 | 6,373 |
| Average earning assets | $26,223,750 | 6,334 |
| Average equity | $5,308,500 | 5,843 |
| Average total loans | $6,985,250 | 6,469 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 5,282 |
| Cost of funding earning assets | 0.2889% | 5,086 |
| Net interest margin | 3.2638% | 4,721 |
| Noninterest income to average assets | 0.2578% | 5,353 |
| Noninterest expense to average assets | 3.0639% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4861% | 4,863 |
| Return on assets (ROA) | 0.5524% | 4,691 |
| Pretax return on assets | 0.3388% | 5,702 |
| Return on Equity (ROE) | 2.8544% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.8544% | 4,390 |
| Net charge-offs to loans | -0.6030% | 6,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8322% | 773 |
| Assets per employee ($millions) | 4.9372% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 23.2758% | 6,467 |
| Net loans and leases to deposits | 28.5969% | 6,450 |
| Net loans and leases to core deposits | 32.1146% | 6,410 |
| Total domestic deposits to total assets | 81.3928% | 4,843 |
| Equity capital to assets | 18.0232% | 325 |
| Core capital (leverage) ratio | 17.4928% | 326 |
| Tier 1 risk-based capital ratio | 34.8264% | 350 |
| Total risk-based capital ratio | 36.0347% | 346 |
| Memoranda: | ||
| Average total assets | $27,155,000 | 6,446 |
| Average earning assets | $25,614,330 | 6,403 |
| Average equity | $5,255,000 | 5,899 |
| Average total loans | $6,965,330 | 6,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,929 |
| Cost of funding earning assets | 0.2927% | 5,148 |
| Net interest margin | 3.3825% | 4,209 |
| Noninterest income to average assets | 0.2778% | 5,151 |
| Noninterest expense to average assets | 3.0246% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4784% | 4,792 |
| Return on assets (ROA) | 0.9568% | 2,450 |
| Pretax return on assets | 0.9413% | 3,551 |
| Return on Equity (ROE) | 4.7573% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.7573% | 3,261 |
| Net charge-offs to loans | -0.6943% | 6,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7257% | 1,368 |
| Assets per employee ($millions) | 4.4485% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 1,015 |
| Loan loss allowance to noncurrent loans | 16,500.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,328 |
| Noncurrent loans to loans | 0.0140% | 6,125 |
| Net loans and leases to total assets | 26.1511% | 6,466 |
| Net loans and leases to deposits | 32.8378% | 6,408 |
| Net loans and leases to core deposits | 34.5681% | 6,396 |
| Total domestic deposits to total assets | 79.6373% | 5,561 |
| Equity capital to assets | 19.7969% | 220 |
| Core capital (leverage) ratio | 19.4963% | 228 |
| Tier 1 risk-based capital ratio | 36.3683% | 305 |
| Total risk-based capital ratio | 37.5682% | 304 |
| Memoranda: | ||
| Average total assets | $25,921,000 | 6,535 |
| Average earning assets | $24,597,000 | 6,487 |
| Average equity | $5,213,000 | 5,945 |
| Average total loans | $6,913,500 | 6,603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 5,044 |
| Cost of funding earning assets | 0.3050% | 5,557 |
| Net interest margin | 3.4219% | 4,196 |
| Noninterest income to average assets | 0.2795% | 5,356 |
| Noninterest expense to average assets | 3.2462% | 2,292 |
| Loan and lease loss provision to assets | -0.1996% | 6,598 |
| Net operating income to assets | 0.5630% | 4,443 |
| Return on assets (ROA) | 0.8864% | 2,939 |
| Pretax return on assets | 0.8265% | 4,048 |
| Return on Equity (ROE) | 4.1885% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.3584% | 5,216 |
| Net charge-offs to loans | -0.7752% | 6,750 |
| Credit loss provision to net charge-offs | 106.3830% | 2,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4511% | 912 |
| Assets per employee ($millions) | 4.1918% | 3,454 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2897% | 1,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 25.9592% | 6,569 |
| Net loans and leases to deposits | 32.8123% | 6,513 |
| Net loans and leases to core deposits | 35.2747% | 6,492 |
| Total domestic deposits to total assets | 79.1142% | 5,629 |
| Equity capital to assets | 20.4445% | 189 |
| Core capital (leverage) ratio | 19.5426% | 220 |
| Tier 1 risk-based capital ratio | 36.6531% | 282 |
| Total risk-based capital ratio | 37.7885% | 282 |
| Memoranda: | ||
| Average total assets | $25,045,000 | 6,622 |
| Average earning assets | $23,934,200 | 6,576 |
| Average equity | $5,300,200 | 5,988 |
| Average total loans | $6,063,200 | 6,712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 5,174 |
| Cost of funding earning assets | 0.3012% | 5,723 |
| Net interest margin | 3.3971% | 4,301 |
| Noninterest income to average assets | 0.2878% | 5,392 |
| Noninterest expense to average assets | 3.1549% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4583% | 4,988 |
| Return on assets (ROA) | 0.8847% | 3,024 |
| Pretax return on assets | 0.8047% | 4,273 |
| Return on Equity (ROE) | 4.1450% | 5,154 |
| Retained earnings to average equity (ytd only) | 4.1450% | 3,735 |
| Net charge-offs to loans | -0.7899% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2911% | 1,052 |
| Assets per employee ($millions) | 4.1753% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9453% | 588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.1237% | 6,667 |
| Net loans and leases to deposits | 31.9428% | 6,621 |
| Net loans and leases to core deposits | 35.5352% | 6,575 |
| Total domestic deposits to total assets | 78.6524% | 5,809 |
| Equity capital to assets | 20.9085% | 179 |
| Core capital (leverage) ratio | 20.5352% | 181 |
| Tier 1 risk-based capital ratio | 55.3978% | 109 |
| Total risk-based capital ratio | 56.6634% | 107 |
| Memoranda: | ||
| Average total assets | $25,018,500 | 6,697 |
| Average earning assets | $23,902,500 | 6,658 |
| Average equity | $5,339,750 | 6,051 |
| Average total loans | $5,908,500 | 6,789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 5,207 |
| Cost of funding earning assets | 0.3081% | 5,765 |
| Net interest margin | 3.3725% | 4,296 |
| Noninterest income to average assets | 0.2959% | 5,334 |
| Noninterest expense to average assets | 3.2470% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3519% | 5,397 |
| Return on assets (ROA) | 0.9677% | 2,623 |
| Pretax return on assets | 0.9037% | 3,896 |
| Return on Equity (ROE) | 4.5034% | 5,000 |
| Retained earnings to average equity (ytd only) | 4.5034% | 3,402 |
| Net charge-offs to loans | -0.8047% | 6,855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8552% | 902 |
| Assets per employee ($millions) | 4.0268% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0530% | 553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 23.5255% | 6,732 |
| Net loans and leases to deposits | 30.2566% | 6,694 |
| Net loans and leases to core deposits | 34.3527% | 6,642 |
| Total domestic deposits to total assets | 77.7534% | 6,019 |
| Equity capital to assets | 21.6878% | 147 |
| Core capital (leverage) ratio | 19.9888% | 193 |
| Tier 1 risk-based capital ratio | 55.2553% | 107 |
| Total risk-based capital ratio | 56.5179% | 106 |
| Memoranda: | ||
| Average total assets | $25,007,330 | 6,749 |
| Average earning assets | $24,018,000 | 6,702 |
| Average equity | $5,373,670 | 6,088 |
| Average total loans | $5,716,330 | 6,844 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 5,510 |
| Cost of funding earning assets | 0.2940% | 6,015 |
| Net interest margin | 3.2832% | 4,580 |
| Noninterest income to average assets | 0.2989% | 5,310 |
| Noninterest expense to average assets | 3.0986% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6134% | 4,148 |
| Return on assets (ROA) | 0.6134% | 4,309 |
| Pretax return on assets | 0.3618% | 5,675 |
| Return on Equity (ROE) | 2.8674% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.8674% | 4,561 |
| Net charge-offs to loans | -0.8506% | 6,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5455% | 1,183 |
| Assets per employee ($millions) | 4.3013% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9268% | 711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 21.5902% | 6,829 |
| Net loans and leases to deposits | 27.8238% | 6,785 |
| Net loans and leases to core deposits | 29.3001% | 6,780 |
| Total domestic deposits to total assets | 77.5961% | 6,173 |
| Equity capital to assets | 21.2337% | 172 |
| Core capital (leverage) ratio | 19.3143% | 222 |
| Tier 1 risk-based capital ratio | 55.5153% | 109 |
| Total risk-based capital ratio | 56.7711% | 107 |
| Memoranda: | ||
| Average total assets | $25,430,500 | 6,810 |
| Average earning assets | $24,488,500 | 6,759 |
| Average equity | $5,440,500 | 6,125 |
| Average total loans | $5,643,000 | 6,916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 6,008 |
| Cost of funding earning assets | 0.3949% | 5,952 |
| Net interest margin | 3.3286% | 5,146 |
| Noninterest income to average assets | 0.3059% | 5,256 |
| Noninterest expense to average assets | 3.2366% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1937% | 5,797 |
| Return on assets (ROA) | 0.5676% | 4,649 |
| Pretax return on assets | 0.6602% | 4,791 |
| Return on Equity (ROE) | 2.6883% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.6883% | 4,345 |
| Net charge-offs to loans | -0.8397% | 7,022 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4884% | 830 |
| Assets per employee ($millions) | 4.1755% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8128% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 21.5144% | 6,906 |
| Net loans and leases to deposits | 27.8265% | 6,879 |
| Net loans and leases to core deposits | 28.9614% | 6,865 |
| Total domestic deposits to total assets | 77.3161% | 6,188 |
| Equity capital to assets | 21.5583% | 166 |
| Core capital (leverage) ratio | 19.7381% | 203 |
| Tier 1 risk-based capital ratio | 55.3874% | 115 |
| Total risk-based capital ratio | 56.6390% | 114 |
| Memoranda: | ||
| Average total assets | $24,841,000 | 6,876 |
| Average earning assets | $23,553,200 | 6,825 |
| Average equity | $5,245,000 | 6,223 |
| Average total loans | $5,121,000 | 6,999 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 6,163 |
| Cost of funding earning assets | 0.4153% | 6,026 |
| Net interest margin | 3.3168% | 5,325 |
| Noninterest income to average assets | 0.3120% | 5,288 |
| Noninterest expense to average assets | 3.1358% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2132% | 5,882 |
| Return on assets (ROA) | 0.6024% | 4,649 |
| Pretax return on assets | 0.8929% | 4,137 |
| Return on Equity (ROE) | 2.8684% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.8684% | 4,833 |
| Net charge-offs to loans | -0.8242% | 7,115 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9516% | 964 |
| Assets per employee ($millions) | 4.0687% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9764% | 732 |
| Loan loss allowance to noncurrent loans | 464.5161% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 6,399 |
| Noncurrent loans to loans | 0.6408% | 5,158 |
| Net loans and leases to total assets | 19.2282% | 7,040 |
| Net loans and leases to deposits | 24.8045% | 7,025 |
| Net loans and leases to core deposits | 25.8381% | 7,020 |
| Total domestic deposits to total assets | 77.5193% | 6,162 |
| Equity capital to assets | 20.7439% | 215 |
| Core capital (leverage) ratio | 19.9078% | 209 |
| Tier 1 risk-based capital ratio | 61.1062% | 93 |
| Total risk-based capital ratio | 62.3690% | 92 |
| Memoranda: | ||
| Average total assets | $24,788,000 | 6,965 |
| Average earning assets | $23,435,500 | 6,916 |
| Average equity | $5,206,000 | 6,306 |
| Average total loans | $5,014,750 | 7,096 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 6,187 |
| Cost of funding earning assets | 0.4524% | 5,958 |
| Net interest margin | 3.3288% | 5,350 |
| Noninterest income to average assets | 0.2890% | 5,496 |
| Noninterest expense to average assets | 3.1549% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1355% | 6,078 |
| Return on assets (ROA) | 0.6904% | 4,182 |
| Pretax return on assets | 1.1319% | 3,181 |
| Return on Equity (ROE) | 3.2741% | 5,576 |
| Retained earnings to average equity (ytd only) | 3.2741% | 4,434 |
| Net charge-offs to loans | -0.7884% | 7,171 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2535% | 918 |
| Assets per employee ($millions) | 4.2020% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9483% | 822 |
| Loan loss allowance to noncurrent loans | 71.8919% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7338% | 4,955 |
| Noncurrent loans to loans | 4.1011% | 1,336 |
| Net loans and leases to total assets | 17.3647% | 7,117 |
| Net loans and leases to deposits | 22.4467% | 7,107 |
| Net loans and leases to core deposits | 23.3531% | 7,108 |
| Total domestic deposits to total assets | 77.3600% | 6,270 |
| Equity capital to assets | 21.4104% | 180 |
| Core capital (leverage) ratio | 19.2372% | 233 |
| Tier 1 risk-based capital ratio | 61.5188% | 89 |
| Total risk-based capital ratio | 62.7717% | 89 |
| Memoranda: | ||
| Average total assets | $24,913,330 | 7,013 |
| Average earning assets | $23,432,000 | 6,974 |
| Average equity | $5,253,330 | 6,317 |
| Average total loans | $5,073,670 | 7,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 6,056 |
| Cost of funding earning assets | 0.4619% | 6,071 |
| Net interest margin | 3.4211% | 5,024 |
| Noninterest income to average assets | 0.2907% | 5,540 |
| Noninterest expense to average assets | 3.1982% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2849% | 5,704 |
| Return on assets (ROA) | 0.6299% | 4,427 |
| Pretax return on assets | 0.7107% | 4,758 |
| Return on Equity (ROE) | 3.0110% | 5,713 |
| Retained earnings to average equity (ytd only) | 3.0110% | 4,747 |
| Net charge-offs to loans | -0.7470% | 7,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8257% | 1,029 |
| Assets per employee ($millions) | 4.2035% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 1,432 |
| Loan loss allowance to noncurrent loans | 66.4865% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 5,078 |
| Noncurrent loans to loans | 3.6801% | 1,683 |
| Net loans and leases to total assets | 19.4441% | 7,150 |
| Net loans and leases to deposits | 24.7940% | 7,137 |
| Net loans and leases to core deposits | 25.7793% | 7,133 |
| Total domestic deposits to total assets | 78.4227% | 6,206 |
| Equity capital to assets | 20.5979% | 206 |
| Core capital (leverage) ratio | 19.4451% | 224 |
| Tier 1 risk-based capital ratio | 58.2142% | 100 |
| Total risk-based capital ratio | 59.4723% | 100 |
| Memoranda: | ||
| Average total assets | $24,764,000 | 7,079 |
| Average earning assets | $23,384,000 | 7,038 |
| Average equity | $5,181,000 | 6,375 |
| Average total loans | $5,355,000 | 7,207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 6,371 |
| Cost of funding earning assets | 0.5820% | 6,177 |
| Net interest margin | 3.4647% | 5,270 |
| Noninterest income to average assets | 0.3395% | 5,101 |
| Noninterest expense to average assets | 3.4124% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9283% | 2,492 |
| Return on assets (ROA) | 0.9713% | 2,452 |
| Pretax return on assets | 0.2708% | 5,633 |
| Return on Equity (ROE) | 4.7320% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.7320% | 2,830 |
| Net charge-offs to loans | -0.6397% | 7,292 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7426% | 939 |
| Assets per employee ($millions) | 4.0512% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9884% | 2,316 |
| Loan loss allowance to noncurrent loans | 61.0811% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 5,118 |
| Noncurrent loans to loans | 3.2553% | 1,989 |
| Net loans and leases to total assets | 22.9152% | 7,171 |
| Net loans and leases to deposits | 29.4693% | 7,146 |
| Net loans and leases to core deposits | 30.2783% | 7,150 |
| Total domestic deposits to total assets | 77.7595% | 6,237 |
| Equity capital to assets | 21.2573% | 180 |
| Core capital (leverage) ratio | 20.0008% | 201 |
| Tier 1 risk-based capital ratio | 54.7688% | 114 |
| Total risk-based capital ratio | 56.0204% | 113 |
| Memoranda: | ||
| Average total assets | $23,267,800 | 7,140 |
| Average earning assets | $22,166,400 | 7,103 |
| Average equity | $4,776,000 | 6,513 |
| Average total loans | $5,315,000 | 7,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 6,478 |
| Cost of funding earning assets | 0.6140% | 6,220 |
| Net interest margin | 3.4532% | 5,379 |
| Noninterest income to average assets | 0.3477% | 5,077 |
| Noninterest expense to average assets | 3.3843% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9504% | 2,529 |
| Return on assets (ROA) | 1.0083% | 2,441 |
| Pretax return on assets | 0.3129% | 5,675 |
| Return on Equity (ROE) | 4.9589% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.9589% | 3,195 |
| Net charge-offs to loans | -0.6127% | 7,354 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9936% | 970 |
| Assets per employee ($millions) | 3.9545% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1827% | 1,898 |
| Loan loss allowance to noncurrent loans | 55.6757% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 5,219 |
| Noncurrent loans to loans | 3.9203% | 1,692 |
| Net loans and leases to total assets | 19.4546% | 7,290 |
| Net loans and leases to deposits | 24.9811% | 7,281 |
| Net loans and leases to core deposits | 25.6815% | 7,281 |
| Total domestic deposits to total assets | 77.8775% | 6,211 |
| Equity capital to assets | 21.2669% | 195 |
| Core capital (leverage) ratio | 20.0163% | 221 |
| Tier 1 risk-based capital ratio | 59.2672% | 115 |
| Total risk-based capital ratio | 60.5223% | 114 |
| Memoranda: | ||
| Average total assets | $23,008,000 | 7,218 |
| Average earning assets | $21,930,500 | 7,183 |
| Average equity | $4,678,250 | 6,593 |
| Average total loans | $5,223,000 | 7,336 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 6,468 |
| Cost of funding earning assets | 0.6255% | 6,335 |
| Net interest margin | 3.4862% | 5,222 |
| Noninterest income to average assets | 0.3514% | 5,080 |
| Noninterest expense to average assets | 3.4873% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9311% | 2,514 |
| Return on assets (ROA) | 1.0717% | 2,055 |
| Pretax return on assets | 0.3338% | 5,587 |
| Return on Equity (ROE) | 5.3560% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.3560% | 2,771 |
| Net charge-offs to loans | -0.5565% | 7,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7494% | 935 |
| Assets per employee ($millions) | 3.8885% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,673 |
| Loan loss allowance to noncurrent loans | 50.8108% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 5,310 |
| Noncurrent loans to loans | 3.7359% | 1,878 |
| Net loans and leases to total assets | 20.8221% | 7,358 |
| Net loans and leases to deposits | 26.3406% | 7,349 |
| Net loans and leases to core deposits | 27.4603% | 7,353 |
| Total domestic deposits to total assets | 79.0493% | 6,075 |
| Equity capital to assets | 20.5263% | 234 |
| Core capital (leverage) ratio | 20.1289% | 214 |
| Tier 1 risk-based capital ratio | 58.4746% | 113 |
| Total risk-based capital ratio | 59.6635% | 112 |
| Memoranda: | ||
| Average total assets | $22,768,330 | 7,292 |
| Average earning assets | $21,742,670 | 7,252 |
| Average equity | $4,555,670 | 6,666 |
| Average total loans | $5,391,000 | 7,406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 6,070 |
| Cost of funding earning assets | 0.6538% | 6,369 |
| Net interest margin | 3.6238% | 4,463 |
| Noninterest income to average assets | 0.3380% | 5,203 |
| Noninterest expense to average assets | 3.4865% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0139% | 2,143 |
| Return on assets (ROA) | 1.2985% | 1,309 |
| Pretax return on assets | 0.5870% | 4,738 |
| Return on Equity (ROE) | 6.5781% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.5781% | 2,336 |
| Net charge-offs to loans | -0.4991% | 7,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0188% | 1,164 |
| Assets per employee ($millions) | 3.7503% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,741 |
| Loan loss allowance to noncurrent loans | 46.4865% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 5,261 |
| Noncurrent loans to loans | 3.4361% | 2,188 |
| Net loans and leases to total assets | 23.5446% | 7,382 |
| Net loans and leases to deposits | 29.5334% | 7,363 |
| Net loans and leases to core deposits | 29.9525% | 7,377 |
| Total domestic deposits to total assets | 79.7218% | 6,013 |
| Equity capital to assets | 20.2160% | 247 |
| Core capital (leverage) ratio | 20.5075% | 202 |
| Tier 1 risk-based capital ratio | 56.6931% | 117 |
| Total risk-based capital ratio | 57.7590% | 118 |
| Memoranda: | ||
| Average total assets | $22,487,000 | 7,351 |
| Average earning assets | $21,414,000 | 7,313 |
| Average equity | $4,439,000 | 6,726 |
| Average total loans | $5,610,500 | 7,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 6,857 |
| Cost of funding earning assets | 0.8545% | 6,353 |
| Net interest margin | 3.3951% | 5,652 |
| Noninterest income to average assets | 0.3870% | 5,004 |
| Noninterest expense to average assets | 3.2439% | 2,940 |
| Loan and lease loss provision to assets | 0.0435% | 6,727 |
| Net operating income to assets | 0.5131% | 4,038 |
| Return on assets (ROA) | 0.5740% | 3,946 |
| Pretax return on assets | 0.3914% | 4,975 |
| Return on Equity (ROE) | 3.0207% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.0207% | 3,734 |
| Net charge-offs to loans | -0.3435% | 7,577 |
| Credit loss provision to net charge-offs | -52.6316% | 7,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6635% | 1,344 |
| Assets per employee ($millions) | 3.7453% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 4,729 |
| Loan loss allowance to noncurrent loans | 42.7027% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 5,351 |
| Noncurrent loans to loans | 3.1694% | 2,398 |
| Net loans and leases to total assets | 25.6230% | 7,440 |
| Net loans and leases to deposits | 31.7683% | 7,433 |
| Net loans and leases to core deposits | 32.6714% | 7,441 |
| Total domestic deposits to total assets | 80.6559% | 5,637 |
| Equity capital to assets | 19.2640% | 305 |
| Core capital (leverage) ratio | 19.5161% | 260 |
| Tier 1 risk-based capital ratio | 52.2340% | 138 |
| Total risk-based capital ratio | 53.1507% | 138 |
| Memoranda: | ||
| Average total assets | $22,996,800 | 7,396 |
| Average earning assets | $21,884,200 | 7,353 |
| Average equity | $4,369,800 | 6,861 |
| Average total loans | $5,531,800 | 7,541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 7,010 |
| Cost of funding earning assets | 0.8740% | 6,492 |
| Net interest margin | 3.3929% | 5,708 |
| Noninterest income to average assets | 0.3920% | 5,024 |
| Noninterest expense to average assets | 3.3436% | 2,446 |
| Loan and lease loss provision to assets | 0.0576% | 6,491 |
| Net operating income to assets | 0.4554% | 4,518 |
| Return on assets (ROA) | 0.5361% | 4,322 |
| Pretax return on assets | 0.2940% | 5,529 |
| Return on Equity (ROE) | 2.8311% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.8311% | 4,442 |
| Net charge-offs to loans | -0.4643% | 7,680 |
| Credit loss provision to net charge-offs | -52.6316% | 6,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5040% | 1,082 |
| Assets per employee ($millions) | 3.9122% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,859 |
| Loan loss allowance to noncurrent loans | 42.7027% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 5,528 |
| Noncurrent loans to loans | 3.5625% | 2,201 |
| Net loans and leases to total assets | 21.7867% | 7,600 |
| Net loans and leases to deposits | 26.9271% | 7,606 |
| Net loans and leases to core deposits | 28.1252% | 7,597 |
| Total domestic deposits to total assets | 80.9100% | 5,409 |
| Equity capital to assets | 19.0133% | 348 |
| Core capital (leverage) ratio | 19.5119% | 267 |
| Tier 1 risk-based capital ratio | 37.3087% | 302 |
| Total risk-based capital ratio | 37.9694% | 306 |
| Memoranda: | ||
| Average total assets | $23,128,000 | 7,488 |
| Average earning assets | $21,967,000 | 7,445 |
| Average equity | $4,380,000 | 6,952 |
| Average total loans | $5,455,500 | 7,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 7,137 |
| Cost of funding earning assets | 0.9205% | 6,498 |
| Net interest margin | 3.3082% | 5,991 |
| Noninterest income to average assets | 0.3650% | 5,217 |
| Noninterest expense to average assets | 3.2590% | 2,698 |
| Loan and lease loss provision to assets | 0.0869% | 6,054 |
| Net operating income to assets | 0.3042% | 5,165 |
| Return on assets (ROA) | 0.4258% | 4,794 |
| Pretax return on assets | 0.2955% | 5,512 |
| Return on Equity (ROE) | 2.2517% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.2517% | 4,723 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5926% | 1,155 |
| Assets per employee ($millions) | 3.7515% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,748 |
| Loan loss allowance to noncurrent loans | 32.4324% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 5,478 |
| Noncurrent loans to loans | 3.5138% | 2,249 |
| Net loans and leases to total assets | 23.1241% | 7,654 |
| Net loans and leases to deposits | 28.8350% | 7,653 |
| Net loans and leases to core deposits | 29.3355% | 7,665 |
| Total domestic deposits to total assets | 80.1946% | 5,671 |
| Equity capital to assets | 19.7077% | 302 |
| Core capital (leverage) ratio | 19.2453% | 279 |
| Tier 1 risk-based capital ratio | 40.9398% | 234 |
| Total risk-based capital ratio | 41.4960% | 240 |
| Memoranda: | ||
| Average total assets | $23,013,000 | 7,554 |
| Average earning assets | $21,945,670 | 7,505 |
| Average equity | $4,352,330 | 6,992 |
| Average total loans | $5,543,000 | 7,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 7,234 |
| Cost of funding earning assets | 0.9238% | 6,679 |
| Net interest margin | 3.2967% | 5,985 |
| Noninterest income to average assets | 0.3267% | 5,530 |
| Noninterest expense to average assets | 2.9916% | 3,712 |
| Loan and lease loss provision to assets | 0.1719% | 4,805 |
| Net operating income to assets | 0.2923% | 5,326 |
| Return on assets (ROA) | 0.4986% | 4,534 |
| Pretax return on assets | 0.4986% | 4,962 |
| Return on Equity (ROE) | 2.6911% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.6911% | 4,531 |
| Net charge-offs to loans | 0.9152% | 1,753 |
| Credit loss provision to net charge-offs | 76.9231% | 3,954 |
| Earnings coverage of net charge-offs (x) | 2.0769% | 3,504 |
| Efficiency ratio | 86.5672% | 1,737 |
| Assets per employee ($millions) | 3.8980% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 7,028 |
| Loan loss allowance to noncurrent loans | 25.4054% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 5,569 |
| Noncurrent loans to loans | 3.3059% | 2,415 |
| Net loans and leases to total assets | 23.7258% | 7,731 |
| Net loans and leases to deposits | 29.2253% | 7,740 |
| Net loans and leases to core deposits | 29.7056% | 7,750 |
| Total domestic deposits to total assets | 81.1827% | 5,391 |
| Equity capital to assets | 18.7276% | 356 |
| Core capital (leverage) ratio | 18.9798% | 311 |
| Tier 1 risk-based capital ratio | 30.8026% | 485 |
| Total risk-based capital ratio | 31.1318% | 514 |
| Memoranda: | ||
| Average total assets | $23,265,000 | 7,645 |
| Average earning assets | $22,083,000 | 7,595 |
| Average equity | $4,310,500 | 7,065 |
| Average total loans | $5,682,000 | 7,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 7,199 |
| Cost of funding earning assets | 1.1845% | 6,711 |
| Net interest margin | 3.4734% | 5,073 |
| Noninterest income to average assets | 0.2966% | 5,987 |
| Noninterest expense to average assets | 2.7118% | 5,331 |
| Loan and lease loss provision to assets | 0.7585% | 2,836 |
| Net operating income to assets | 0.1191% | 5,149 |
| Return on assets (ROA) | 0.4237% | 4,138 |
| Pretax return on assets | 0.4661% | 4,303 |
| Return on Equity (ROE) | 2.2924% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.2924% | 3,509 |
| Net charge-offs to loans | 4.9819% | 265 |
| Credit loss provision to net charge-offs | 64.8551% | 6,570 |
| Earnings coverage of net charge-offs (x) | 0.7609% | 5,342 |
| Efficiency ratio | 75.2941% | 3,656 |
| Assets per employee ($millions) | 3.8570% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 6,934 |
| Loan loss allowance to noncurrent loans | 27.0270% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 5,507 |
| Noncurrent loans to loans | 3.2074% | 2,379 |
| Net loans and leases to total assets | 24.7083% | 7,798 |
| Net loans and leases to deposits | 30.2973% | 7,807 |
| Net loans and leases to core deposits | 42.5763% | 7,727 |
| Total domestic deposits to total assets | 81.5530% | 5,132 |
| Equity capital to assets | 18.3260% | 425 |
| Core capital (leverage) ratio | 18.5670% | 362 |
| Tier 1 risk-based capital ratio | 27.4417% | 673 |
| Total risk-based capital ratio | 27.7558% | 717 |
| Memoranda: | ||
| Average total assets | $23,600,600 | 7,680 |
| Average earning assets | $22,456,400 | 7,633 |
| Average equity | $4,362,200 | 7,157 |
| Average total loans | $5,540,000 | 7,878 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 7,159 |
| Cost of funding earning assets | 1.2281% | 6,808 |
| Net interest margin | 3.5485% | 4,673 |
| Noninterest income to average assets | 0.2530% | 6,425 |
| Noninterest expense to average assets | 2.4231% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8912% | 2,449 |
| Return on assets (ROA) | 0.8995% | 2,491 |
| Pretax return on assets | 1.2200% | 2,200 |
| Return on Equity (ROE) | 4.8567% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.8567% | 2,578 |
| Net charge-offs to loans | 1.5805% | 1,297 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.3079% | 3,583 |
| Efficiency ratio | 66.7183% | 5,243 |
| Assets per employee ($millions) | 3.9455% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 3,582 |
| Loan loss allowance to noncurrent loans | 44.3243% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 5,556 |
| Noncurrent loans to loans | 3.3226% | 2,272 |
| Net loans and leases to total assets | 23.1741% | 7,912 |
| Net loans and leases to deposits | 28.5848% | 7,926 |
| Net loans and leases to core deposits | 40.9403% | 7,842 |
| Total domestic deposits to total assets | 81.0713% | 5,053 |
| Equity capital to assets | 18.7851% | 435 |
| Core capital (leverage) ratio | 18.5765% | 413 |
| Tier 1 risk-based capital ratio | 32.7322% | 451 |
| Total risk-based capital ratio | 33.3383% | 459 |
| Memoranda: | ||
| Average total assets | $23,715,250 | 7,749 |
| Average earning assets | $22,581,750 | 7,704 |
| Average equity | $4,392,500 | 7,218 |
| Average total loans | $5,483,000 | 7,958 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 7,127 |
| Cost of funding earning assets | 1.2756% | 6,882 |
| Net interest margin | 3.5788% | 4,453 |
| Noninterest income to average assets | 0.2276% | 6,655 |
| Noninterest expense to average assets | 2.5201% | 6,052 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8302% | 2,737 |
| Return on assets (ROA) | 0.8428% | 2,783 |
| Pretax return on assets | 1.1294% | 2,540 |
| Return on Equity (ROE) | 4.5721% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.5721% | 2,752 |
| Net charge-offs to loans | 2.3833% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.0308% | 4,070 |
| Efficiency ratio | 69.3735% | 4,907 |
| Assets per employee ($millions) | 4.0810% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 3,320 |
| Loan loss allowance to noncurrent loans | 44.3243% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 5,510 |
| Noncurrent loans to loans | 3.3315% | 2,114 |
| Net loans and leases to total assets | 22.3434% | 8,011 |
| Net loans and leases to deposits | 27.2325% | 8,019 |
| Net loans and leases to core deposits | 38.0856% | 7,952 |
| Total domestic deposits to total assets | 82.0469% | 4,677 |
| Equity capital to assets | 17.8020% | 572 |
| Core capital (leverage) ratio | 18.6794% | 444 |
| Tier 1 risk-based capital ratio | 35.4517% | 404 |
| Total risk-based capital ratio | 36.1172% | 417 |
| Memoranda: | ||
| Average total assets | $23,729,330 | 7,828 |
| Average earning assets | $22,577,670 | 7,776 |
| Average equity | $4,374,330 | 7,284 |
| Average total loans | $5,454,670 | 8,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 6,632 |
| Cost of funding earning assets | 1.3659% | 6,828 |
| Net interest margin | 3.7382% | 3,724 |
| Noninterest income to average assets | 0.2227% | 6,690 |
| Noninterest expense to average assets | 2.4838% | 5,903 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8908% | 2,736 |
| Return on assets (ROA) | 0.8908% | 2,884 |
| Pretax return on assets | 1.3019% | 2,279 |
| Return on Equity (ROE) | 4.7467% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.7467% | 3,267 |
| Net charge-offs to loans | 4.8099% | 227 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.1692% | 4,169 |
| Efficiency ratio | 65.6109% | 5,403 |
| Assets per employee ($millions) | 3.9175% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 2,937 |
| Loan loss allowance to noncurrent loans | 44.3243% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 5,208 |
| Noncurrent loans to loans | 3.4032% | 1,882 |
| Net loans and leases to total assets | 22.7781% | 8,052 |
| Net loans and leases to deposits | 28.0843% | 8,061 |
| Net loans and leases to core deposits | 39.7034% | 7,984 |
| Total domestic deposits to total assets | 81.1061% | 4,920 |
| Equity capital to assets | 18.5663% | 536 |
| Core capital (leverage) ratio | 18.6548% | 478 |
| Tier 1 risk-based capital ratio | 47.1056% | 233 |
| Total risk-based capital ratio | 47.9996% | 234 |
| Memoranda: | ||
| Average total assets | $23,351,000 | 7,892 |
| Average earning assets | $22,256,500 | 7,834 |
| Average equity | $4,382,000 | 7,323 |
| Average total loans | $5,405,500 | 8,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 7,276 |
| Cost of funding earning assets | 2.0999% | 6,051 |
| Net interest margin | 3.4105% | 5,619 |
| Noninterest income to average assets | 0.2369% | 6,750 |
| Noninterest expense to average assets | 2.4784% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6948% | 3,915 |
| Return on assets (ROA) | 0.7808% | 3,363 |
| Pretax return on assets | 1.1229% | 2,939 |
| Return on Equity (ROE) | 4.2361% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.2361% | 2,484 |
| Net charge-offs to loans | 0.0701% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 695 |
| Efficiency ratio | 71.2484% | 4,077 |
| Assets per employee ($millions) | 3.8662% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7349% | 548 |
| Loan loss allowance to noncurrent loans | 65.9193% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 4,427 |
| Noncurrent loans to loans | 4.1488% | 1,172 |
| Net loans and leases to total assets | 22.5374% | 8,125 |
| Net loans and leases to deposits | 28.0758% | 8,135 |
| Net loans and leases to core deposits | 39.7355% | 8,058 |
| Total domestic deposits to total assets | 80.2733% | 4,919 |
| Equity capital to assets | 18.9680% | 548 |
| Core capital (leverage) ratio | 18.6980% | 537 |
| Tier 1 risk-based capital ratio | 48.4065% | 232 |
| Total risk-based capital ratio | 49.6654% | 231 |
| Memoranda: | ||
| Average total assets | $22,797,200 | 7,919 |
| Average earning assets | $21,668,200 | 7,873 |
| Average equity | $4,202,000 | 7,431 |
| Average total loans | $5,709,200 | 8,136 |