Home > The Marblehead Bank > Performance and Condition Ratios
The Marblehead Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,171 |
| Cost of funding earning assets | 0.8907% | 3,537 |
| Net interest margin | 2.9215% | 3,439 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.7950% | 1,511 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.1186% | 4,236 |
| Return on assets (ROA) | 0.0559% | 4,313 |
| Pretax return on assets | 0.0559% | 4,307 |
| Return on Equity (ROE) | 22.5400% | 427 |
| Retained earnings to average equity (ytd only) | 22.5410% | 100 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 95.3179% | 273 |
| Assets per employee ($millions) | 4.5712% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 2,928 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 34.9600% | 4,186 |
| Net loans and leases to deposits | 37.3347% | 4,250 |
| Net loans and leases to core deposits | 39.8194% | 4,288 |
| Total domestic deposits to total assets | 93.6300% | 127 |
| Equity capital to assets | 0.9424% | 4,578 |
| Core capital (leverage) ratio | 8.3776% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7304% | 559 |
| Memoranda: | ||
| Average total assets | $58,999,200 | 4,222 |
| Average earning assets | $56,135,800 | 4,186 |
| Average equity | $146,400 | 4,535 |
| Average total loans | $20,352,200 | 4,285 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,132 |
| Cost of funding earning assets | 0.7601% | 3,637 |
| Net interest margin | 3.0189% | 3,310 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.7937% | 1,447 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.2264% | 4,205 |
| Return on assets (ROA) | 0.1426% | 4,299 |
| Pretax return on assets | 0.1426% | 4,311 |
| Return on Equity (ROE) | 195.3400% | 10 |
| Retained earnings to average equity (ytd only) | 195.3440% | 5 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.9523% | 320 |
| Assets per employee ($millions) | 4.5265% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,041 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.3300% | 4,204 |
| Net loans and leases to deposits | 36.2151% | 4,290 |
| Net loans and leases to core deposits | 37.8131% | 4,297 |
| Total domestic deposits to total assets | 97.5600% | 43 |
| Equity capital to assets | -1.1199% | 4,622 |
| Core capital (leverage) ratio | 8.3518% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2919% | 605 |
| Memoranda: | ||
| Average total assets | $58,892,750 | 4,237 |
| Average earning assets | $55,958,000 | 4,206 |
| Average equity | $43,000 | 4,560 |
| Average total loans | $20,190,250 | 4,305 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 4,123 |
| Cost of funding earning assets | 0.6428% | 3,649 |
| Net interest margin | 3.0746% | 3,272 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.7296% | 1,579 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3259% | 4,119 |
| Return on assets (ROA) | 0.2886% | 4,199 |
| Pretax return on assets | 0.2886% | 4,239 |
| Return on Equity (ROE) | 61.3700% | 47 |
| Retained earnings to average equity (ytd only) | 61.3718% | 24 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.8398% | 390 |
| Assets per employee ($millions) | 4.5811% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 2,959 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 33.3800% | 4,256 |
| Net loans and leases to deposits | 33.5477% | 4,338 |
| Net loans and leases to core deposits | 34.9651% | 4,348 |
| Total domestic deposits to total assets | 99.4900% | 25 |
| Equity capital to assets | 0.4147% | 4,631 |
| Core capital (leverage) ratio | 8.3882% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8559% | 563 |
| Memoranda: | ||
| Average total assets | $58,908,667 | 4,260 |
| Average earning assets | $56,007,000 | 4,229 |
| Average equity | $277,000 | 4,591 |
| Average total loans | $19,915,667 | 4,327 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,171 |
| Cost of funding earning assets | 0.5152% | 3,637 |
| Net interest margin | 3.0700% | 3,422 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6013% | 1,946 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4574% | 3,988 |
| Return on assets (ROA) | 0.3823% | 4,064 |
| Pretax return on assets | 0.3823% | 4,153 |
| Return on Equity (ROE) | 76.7100% | 32 |
| Retained earnings to average equity (ytd only) | 76.7123% | 19 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.6667% | 560 |
| Assets per employee ($millions) | 4.8970% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,141 |
| 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 | 33.9100% | 4,263 |
| Net loans and leases to deposits | 34.1655% | 4,376 |
| Net loans and leases to core deposits | 35.3054% | 4,377 |
| Total domestic deposits to total assets | 99.2500% | 8 |
| Equity capital to assets | 0.7062% | 4,658 |
| Core capital (leverage) ratio | 8.6523% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8794% | 579 |
| Memoranda: | ||
| Average total assets | $58,586,000 | 4,323 |
| Average earning assets | $55,895,500 | 4,286 |
| Average equity | $292,000 | 4,662 |
| Average total loans | $19,824,000 | 4,391 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 3,820 |
| Cost of funding earning assets | 0.1891% | 3,845 |
| Net interest margin | 3.0095% | 3,429 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.5850% | 1,868 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4497% | 4,172 |
| Return on assets (ROA) | 0.4903% | 4,063 |
| Pretax return on assets | 0.4903% | 4,181 |
| Return on Equity (ROE) | 16.4300% | 974 |
| Retained earnings to average equity (ytd only) | 2.8319% | 3,767 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.8973% | 451 |
| Assets per employee ($millions) | 4.4929% | 4,043 |
| Cash dividends to net income (ytd only)* | 82.7586% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 2,861 |
| 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 | 33.0200% | 4,311 |
| Net loans and leases to deposits | 33.1437% | 4,410 |
| Net loans and leases to core deposits | 34.0549% | 4,414 |
| Total domestic deposits to total assets | 99.6400% | 14 |
| Equity capital to assets | 0.2893% | 4,686 |
| Core capital (leverage) ratio | 8.2362% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3921% | 593 |
| Memoranda: | ||
| Average total assets | $59,148,600 | 4,340 |
| Average earning assets | $56,587,600 | 4,301 |
| Average equity | $1,765,600 | 4,689 |
| Average total loans | $17,306,400 | 4,449 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0029% | 3,884 |
| Cost of funding earning assets | 0.1409% | 3,932 |
| Net interest margin | 2.8620% | 3,592 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.5505% | 1,863 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3506% | 4,322 |
| Return on assets (ROA) | 0.4045% | 4,178 |
| Pretax return on assets | 0.4045% | 4,264 |
| Return on Equity (ROE) | 11.0900% | 2,344 |
| Retained earnings to average equity (ytd only) | 11.0865% | 1,030 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.5772% | 398 |
| Assets per employee ($millions) | 3.9883% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,314 |
| 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 | 28.5900% | 4,450 |
| Net loans and leases to deposits | 28.5404% | 4,521 |
| Net loans and leases to core deposits | 28.8072% | 4,521 |
| Total domestic deposits to total assets | 100.1900% | 15 |
| Equity capital to assets | -0.2491% | 4,739 |
| Core capital (leverage) ratio | 8.4848% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9094% | 494 |
| Memoranda: | ||
| Average total assets | $59,333,750 | 4,377 |
| Average earning assets | $56,788,500 | 4,334 |
| Average equity | $2,164,750 | 4,708 |
| Average total loans | $16,757,000 | 4,493 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8406% | 3,912 |
| Cost of funding earning assets | 0.0950% | 4,244 |
| Net interest margin | 2.7456% | 3,586 |
| Noninterest income to average assets | 0.1589% | 4,219 |
| Noninterest expense to average assets | 2.5080% | 1,903 |
| Loan and lease loss provision to assets | 0.0101% | 2,404 |
| Net operating income to assets | 0.2772% | 4,327 |
| Return on assets (ROA) | 0.4631% | 3,930 |
| Pretax return on assets | 0.4631% | 4,056 |
| Return on Equity (ROE) | 9.3324% | 2,587 |
| Retained earnings to average equity (ytd only) | 9.3324% | 1,191 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7219% | 418 |
| Assets per employee ($millions) | 3.8345% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,196 |
| 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 | 28.1355% | 4,514 |
| Net loans and leases to deposits | 28.3848% | 4,581 |
| Net loans and leases to core deposits | 28.6633% | 4,586 |
| Total domestic deposits to total assets | 99.1220% | 11 |
| Equity capital to assets | 0.8258% | 4,751 |
| Core capital (leverage) ratio | 8.6873% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5076% | 447 |
| Memoranda: | ||
| Average total assets | $59,170,000 | 4,422 |
| Average earning assets | $56,818,333 | 4,388 |
| Average equity | $2,936,000 | 4,694 |
| Average total loans | $16,569,000 | 4,556 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6506% | 4,033 |
| Cost of funding earning assets | 0.0895% | 4,257 |
| Net interest margin | 2.5611% | 3,750 |
| Noninterest income to average assets | 0.1400% | 4,316 |
| Noninterest expense to average assets | 2.4335% | 2,065 |
| Loan and lease loss provision to assets | 0.0067% | 2,188 |
| Net operating income to assets | 0.1800% | 4,357 |
| Return on assets (ROA) | 0.5467% | 3,545 |
| Pretax return on assets | 0.5467% | 3,762 |
| Return on Equity (ROE) | 7.8723% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.8723% | 1,620 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8753% | 428 |
| Assets per employee ($millions) | 4.1354% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,520 |
| 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 | 28.4320% | 4,496 |
| Net loans and leases to deposits | 30.0438% | 4,552 |
| Net loans and leases to core deposits | 30.3501% | 4,574 |
| Total domestic deposits to total assets | 94.6352% | 63 |
| Equity capital to assets | 5.2681% | 4,692 |
| Core capital (leverage) ratio | 8.9106% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6415% | 680 |
| Memoranda: | ||
| Average total assets | $59,996,000 | 4,442 |
| Average earning assets | $58,101,000 | 4,403 |
| Average equity | $4,166,500 | 4,642 |
| Average total loans | $16,655,500 | 4,568 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6050% | 4,404 |
| Cost of funding earning assets | 0.1326% | 4,133 |
| Net interest margin | 2.4724% | 4,229 |
| Noninterest income to average assets | 0.2964% | 3,627 |
| Noninterest expense to average assets | 2.5941% | 1,885 |
| Loan and lease loss provision to assets | 0.0100% | 2,879 |
| Net operating income to assets | 0.0971% | 4,622 |
| Return on assets (ROA) | 0.4672% | 4,196 |
| Pretax return on assets | 0.4672% | 4,300 |
| Return on Equity (ROE) | 4.9644% | 4,008 |
| Retained earnings to average equity (ytd only) | 0.6940% | 4,334 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0322% | 201 |
| Assets per employee ($millions) | 4.4354% | 4,163 |
| Cash dividends to net income (ytd only)* | 86.0215% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,554 |
| 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 | 26.4574% | 4,615 |
| Net loans and leases to deposits | 28.9717% | 4,646 |
| Net loans and leases to core deposits | 29.2565% | 4,659 |
| Total domestic deposits to total assets | 91.3215% | 378 |
| Equity capital to assets | 8.5078% | 4,045 |
| Core capital (leverage) ratio | 8.3295% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0254% | 443 |
| Memoranda: | ||
| Average total assets | $59,712,200 | 4,457 |
| Average earning assets | $58,080,600 | 4,414 |
| Average equity | $5,620,000 | 4,569 |
| Average total loans | $16,189,600 | 4,631 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5826% | 4,513 |
| Cost of funding earning assets | 0.1437% | 4,165 |
| Net interest margin | 2.4389% | 4,357 |
| Noninterest income to average assets | 0.3361% | 3,424 |
| Noninterest expense to average assets | 2.6614% | 1,684 |
| Loan and lease loss provision to assets | 0.0085% | 2,815 |
| Net operating income to assets | 0.0383% | 4,725 |
| Return on assets (ROA) | 0.5368% | 4,170 |
| Pretax return on assets | 0.5368% | 4,319 |
| Return on Equity (ROE) | 5.5630% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.5630% | 3,017 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2515% | 172 |
| Assets per employee ($millions) | 4.6490% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,337 |
| 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 | 23.7179% | 4,747 |
| Net loans and leases to deposits | 26.1285% | 4,765 |
| Net loans and leases to core deposits | 26.3745% | 4,772 |
| Total domestic deposits to total assets | 90.7737% | 444 |
| Equity capital to assets | 8.9451% | 3,880 |
| Core capital (leverage) ratio | 8.6337% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,116,250 | 4,521 |
| Average earning assets | $57,512,000 | 4,476 |
| Average equity | $5,704,250 | 4,627 |
| Average total loans | $16,077,250 | 4,701 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6697% | 4,491 |
| Cost of funding earning assets | 0.1549% | 4,168 |
| Net interest margin | 2.5148% | 4,282 |
| Noninterest income to average assets | 0.3606% | 3,296 |
| Noninterest expense to average assets | 2.7483% | 1,468 |
| Loan and lease loss provision to assets | 0.0105% | 2,725 |
| Net operating income to assets | 0.0455% | 4,752 |
| Return on assets (ROA) | 0.5041% | 4,259 |
| Pretax return on assets | 0.5041% | 4,386 |
| Return on Equity (ROE) | 5.0838% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.0838% | 3,154 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0025% | 187 |
| Assets per employee ($millions) | 4.1640% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 2,458 |
| 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 | 25.2354% | 4,767 |
| Net loans and leases to deposits | 27.8289% | 4,783 |
| Net loans and leases to core deposits | 28.4077% | 4,796 |
| Total domestic deposits to total assets | 90.6804% | 485 |
| Equity capital to assets | 9.0714% | 3,733 |
| Core capital (leverage) ratio | 8.8014% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,126,333 | 4,572 |
| Average earning assets | $55,512,000 | 4,530 |
| Average equity | $5,665,000 | 4,658 |
| Average total loans | $16,221,333 | 4,734 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8027% | 4,375 |
| Cost of funding earning assets | 0.1586% | 4,249 |
| Net interest margin | 2.6441% | 4,065 |
| Noninterest income to average assets | 0.2130% | 4,117 |
| Noninterest expense to average assets | 2.8351% | 1,294 |
| Loan and lease loss provision to assets | 0.0147% | 2,593 |
| Net operating income to assets | -0.0661% | 4,799 |
| Return on assets (ROA) | 0.3452% | 4,489 |
| Pretax return on assets | 0.3452% | 4,552 |
| Return on Equity (ROE) | 3.3189% | 4,409 |
| Retained earnings to average equity (ytd only) | 3.3189% | 3,681 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8470% | 172 |
| Assets per employee ($millions) | 3.9581% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.0450% | 4,723 |
| Net loans and leases to deposits | 32.1874% | 4,763 |
| Net loans and leases to core deposits | 32.9465% | 4,777 |
| Total domestic deposits to total assets | 90.2371% | 704 |
| Equity capital to assets | 9.6059% | 3,098 |
| Core capital (leverage) ratio | 9.9917% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,459,500 | 4,624 |
| Average earning assets | $52,948,000 | 4,579 |
| Average equity | $5,664,500 | 4,677 |
| Average total loans | $16,347,500 | 4,755 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1412% | 4,517 |
| Cost of funding earning assets | 0.2671% | 4,305 |
| Net interest margin | 2.8741% | 4,155 |
| Noninterest income to average assets | 0.3573% | 3,330 |
| Noninterest expense to average assets | 2.7017% | 2,233 |
| Loan and lease loss provision to assets | 0.0116% | 4,220 |
| Net operating income to assets | 0.4287% | 4,183 |
| Return on assets (ROA) | 0.6006% | 3,868 |
| Pretax return on assets | 0.6006% | 4,079 |
| Return on Equity (ROE) | 5.3808% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.9205% | 3,862 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9865% | 531 |
| Assets per employee ($millions) | 3.8218% | 4,491 |
| Cash dividends to net income (ytd only)* | 64.3087% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,722 |
| Loan loss allowance to noncurrent loans | 287.3239% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,621 |
| Noncurrent loans to loans | 0.4331% | 2,676 |
| Net loans and leases to total assets | 30.2589% | 4,744 |
| Net loans and leases to deposits | 34.3088% | 4,776 |
| Net loans and leases to core deposits | 35.5613% | 4,784 |
| Total domestic deposits to total assets | 88.1955% | 1,377 |
| Equity capital to assets | 11.2251% | 2,077 |
| Core capital (leverage) ratio | 9.7898% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,782,000 | 4,628 |
| Average earning assets | $50,171,600 | 4,580 |
| Average equity | $5,779,800 | 4,667 |
| Average total loans | $18,672,000 | 4,738 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 4,574 |
| Cost of funding earning assets | 0.2952% | 4,336 |
| Net interest margin | 2.9199% | 4,143 |
| Noninterest income to average assets | 0.2934% | 3,728 |
| Noninterest expense to average assets | 2.6146% | 2,496 |
| Loan and lease loss provision to assets | 0.0097% | 4,180 |
| Net operating income to assets | 0.4933% | 4,059 |
| Return on assets (ROA) | 0.6855% | 3,611 |
| Pretax return on assets | 0.6855% | 3,937 |
| Return on Equity (ROE) | 6.1502% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.1502% | 2,044 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8468% | 613 |
| Assets per employee ($millions) | 3.9192% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,224 |
| Loan loss allowance to noncurrent loans | 284.5070% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 3,778 |
| Noncurrent loans to loans | 0.3856% | 2,911 |
| Net loans and leases to total assets | 33.1863% | 4,763 |
| Net loans and leases to deposits | 37.9251% | 4,792 |
| Net loans and leases to core deposits | 39.2816% | 4,798 |
| Total domestic deposits to total assets | 87.5048% | 1,450 |
| Equity capital to assets | 11.1374% | 2,292 |
| Core capital (leverage) ratio | 10.2838% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,351,250 | 4,654 |
| Average earning assets | $49,680,000 | 4,613 |
| Average equity | $5,723,250 | 4,693 |
| Average total loans | $19,241,500 | 4,762 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 4,650 |
| Cost of funding earning assets | 0.3342% | 4,340 |
| Net interest margin | 2.9669% | 4,197 |
| Noninterest income to average assets | 0.2391% | 4,047 |
| Noninterest expense to average assets | 2.6226% | 2,589 |
| Loan and lease loss provision to assets | 0.0120% | 4,070 |
| Net operating income to assets | 0.4703% | 4,086 |
| Return on assets (ROA) | 0.7135% | 3,460 |
| Pretax return on assets | 0.7135% | 3,839 |
| Return on Equity (ROE) | 6.3997% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.3997% | 1,899 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4673% | 612 |
| Assets per employee ($millions) | 3.7305% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,480 |
| Loan loss allowance to noncurrent loans | 283.0986% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 3,842 |
| Noncurrent loans to loans | 0.3599% | 3,109 |
| Net loans and leases to total assets | 37.3868% | 4,690 |
| Net loans and leases to deposits | 42.3521% | 4,737 |
| Net loans and leases to core deposits | 44.2496% | 4,749 |
| Total domestic deposits to total assets | 88.2762% | 1,049 |
| Equity capital to assets | 11.2566% | 2,147 |
| Core capital (leverage) ratio | 10.5669% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,178,667 | 4,684 |
| Average earning assets | $48,467,333 | 4,645 |
| Average equity | $5,594,000 | 4,729 |
| Average total loans | $19,518,333 | 4,783 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3426% | 4,780 |
| Cost of funding earning assets | 0.4041% | 4,349 |
| Net interest margin | 2.9385% | 4,371 |
| Noninterest income to average assets | 0.2116% | 4,279 |
| Noninterest expense to average assets | 2.7017% | 2,703 |
| Loan and lease loss provision to assets | 0.0081% | 3,656 |
| Net operating income to assets | 0.3418% | 4,255 |
| Return on assets (ROA) | 0.8382% | 2,847 |
| Pretax return on assets | 0.8382% | 3,314 |
| Return on Equity (ROE) | 7.5576% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.5576% | 1,359 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5333% | 559 |
| Assets per employee ($millions) | 3.5387% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,597 |
| Loan loss allowance to noncurrent loans | 280.2817% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 3,927 |
| Noncurrent loans to loans | 0.3638% | 3,193 |
| Net loans and leases to total assets | 38.9871% | 4,700 |
| Net loans and leases to deposits | 44.1708% | 4,757 |
| Net loans and leases to core deposits | 46.4169% | 4,763 |
| Total domestic deposits to total assets | 88.2645% | 992 |
| Equity capital to assets | 11.3399% | 2,557 |
| Core capital (leverage) ratio | 10.9606% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,154,500 | 4,723 |
| Average earning assets | $47,507,500 | 4,683 |
| Average equity | $5,451,500 | 4,791 |
| Average total loans | $19,414,000 | 4,815 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 4,887 |
| Cost of funding earning assets | 0.4797% | 4,170 |
| Net interest margin | 2.9727% | 4,548 |
| Noninterest income to average assets | 0.2671% | 4,083 |
| Noninterest expense to average assets | 2.6563% | 3,008 |
| Loan and lease loss provision to assets | 0.0122% | 3,770 |
| Net operating income to assets | 0.4791% | 4,455 |
| Return on assets (ROA) | 0.5280% | 4,389 |
| Pretax return on assets | 0.5280% | 4,525 |
| Return on Equity (ROE) | 5.1873% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.6810% | 4,495 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3912% | 634 |
| Assets per employee ($millions) | 3.4834% | 4,491 |
| Cash dividends to net income (ytd only)* | 86.8726% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,342 |
| Loan loss allowance to noncurrent loans | 278.8732% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 3,910 |
| Noncurrent loans to loans | 0.3676% | 3,132 |
| Net loans and leases to total assets | 39.1986% | 4,765 |
| Net loans and leases to deposits | 44.5045% | 4,818 |
| Net loans and leases to core deposits | 46.8036% | 4,818 |
| Total domestic deposits to total assets | 88.0780% | 1,097 |
| Equity capital to assets | 10.8372% | 3,152 |
| Core capital (leverage) ratio | 10.4427% | 3,014 |
| Tier 1 risk-based capital ratio | 27.1970% | 605 |
| Total risk-based capital ratio | 28.2414% | 605 |
| Memoranda: | ||
| Average total assets | $49,053,200 | 4,766 |
| Average earning assets | $47,532,000 | 4,720 |
| Average equity | $4,993,000 | 4,883 |
| Average total loans | $19,640,200 | 4,873 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4491% | 4,987 |
| Cost of funding earning assets | 0.4847% | 4,202 |
| Net interest margin | 2.9644% | 4,673 |
| Noninterest income to average assets | 0.2714% | 4,114 |
| Noninterest expense to average assets | 2.6544% | 3,002 |
| Loan and lease loss provision to assets | 0.0108% | 3,670 |
| Net operating income to assets | 0.4777% | 4,573 |
| Return on assets (ROA) | 0.5428% | 4,477 |
| Pretax return on assets | 0.5428% | 4,634 |
| Return on Equity (ROE) | 5.4199% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.4199% | 2,663 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4560% | 581 |
| Assets per employee ($millions) | 3.5827% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,682 |
| Loan loss allowance to noncurrent loans | 276.0563% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 4,030 |
| Noncurrent loans to loans | 0.3550% | 3,270 |
| Net loans and leases to total assets | 39.4792% | 4,830 |
| Net loans and leases to deposits | 44.4041% | 4,904 |
| Net loans and leases to core deposits | 46.2545% | 4,916 |
| Total domestic deposits to total assets | 88.9090% | 643 |
| Equity capital to assets | 10.8198% | 3,275 |
| Core capital (leverage) ratio | 10.7318% | 2,908 |
| Tier 1 risk-based capital ratio | 27.2588% | 623 |
| Total risk-based capital ratio | 28.2627% | 625 |
| Memoranda: | ||
| Average total assets | $49,124,750 | 4,833 |
| Average earning assets | $47,585,500 | 4,785 |
| Average equity | $4,920,000 | 4,959 |
| Average total loans | $19,721,750 | 4,942 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 5,043 |
| Cost of funding earning assets | 0.4869% | 4,177 |
| Net interest margin | 2.9640% | 4,740 |
| Noninterest income to average assets | 0.2337% | 4,351 |
| Noninterest expense to average assets | 2.6445% | 3,075 |
| Loan and lease loss provision to assets | 0.0123% | 3,516 |
| Net operating income to assets | 0.4469% | 4,648 |
| Return on assets (ROA) | 0.5043% | 4,554 |
| Pretax return on assets | 0.5043% | 4,695 |
| Return on Equity (ROE) | 5.1779% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.1779% | 2,679 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2048% | 587 |
| Assets per employee ($millions) | 3.5287% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,682 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,003 |
| Noncurrent loans to loans | 0.3806% | 3,162 |
| Net loans and leases to total assets | 39.4984% | 4,857 |
| Net loans and leases to deposits | 44.3518% | 4,944 |
| Net loans and leases to core deposits | 46.2360% | 4,953 |
| Total domestic deposits to total assets | 89.0571% | 644 |
| Equity capital to assets | 10.4652% | 3,544 |
| Core capital (leverage) ratio | 10.6067% | 2,980 |
| Tier 1 risk-based capital ratio | 27.1045% | 611 |
| Total risk-based capital ratio | 28.1122% | 622 |
| Memoranda: | ||
| Average total assets | $48,780,330 | 4,874 |
| Average earning assets | $47,233,330 | 4,827 |
| Average equity | $4,751,000 | 5,011 |
| Average total loans | $19,629,670 | 4,986 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 5,084 |
| Cost of funding earning assets | 0.4513% | 4,279 |
| Net interest margin | 2.9970% | 4,757 |
| Noninterest income to average assets | 0.2228% | 4,407 |
| Noninterest expense to average assets | 2.6326% | 3,112 |
| Loan and lease loss provision to assets | 0.0165% | 3,220 |
| Net operating income to assets | 0.4787% | 4,574 |
| Return on assets (ROA) | 0.4787% | 4,599 |
| Pretax return on assets | 0.4787% | 4,731 |
| Return on Equity (ROE) | 5.1084% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.1084% | 2,856 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1689% | 696 |
| Assets per employee ($millions) | 3.5368% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,753 |
| Loan loss allowance to noncurrent loans | 258.6667% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 4,050 |
| Noncurrent loans to loans | 0.3840% | 3,209 |
| Net loans and leases to total assets | 39.0488% | 4,916 |
| Net loans and leases to deposits | 43.2067% | 5,006 |
| Net loans and leases to core deposits | 45.0038% | 5,020 |
| Total domestic deposits to total assets | 90.3767% | 324 |
| Equity capital to assets | 9.5466% | 4,213 |
| Core capital (leverage) ratio | 10.7071% | 2,837 |
| Tier 1 risk-based capital ratio | 26.8742% | 627 |
| Total risk-based capital ratio | 27.8807% | 637 |
| Memoranda: | ||
| Average total assets | $48,469,500 | 4,928 |
| Average earning assets | $46,980,500 | 4,883 |
| Average equity | $4,541,500 | 5,081 |
| Average total loans | $19,590,500 | 5,048 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4386% | 4,975 |
| Cost of funding earning assets | 0.3467% | 4,302 |
| Net interest margin | 3.0919% | 4,665 |
| Noninterest income to average assets | 0.2911% | 4,157 |
| Noninterest expense to average assets | 2.6056% | 3,317 |
| Loan and lease loss provision to assets | 0.0125% | 3,893 |
| Net operating income to assets | 0.6592% | 4,263 |
| Return on assets (ROA) | 0.6259% | 4,354 |
| Pretax return on assets | 0.6259% | 4,584 |
| Return on Equity (ROE) | 6.9132% | 3,856 |
| Retained earnings to average equity (ytd only) | 2.3197% | 4,227 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5051% | 1,002 |
| Assets per employee ($millions) | 3.3874% | 4,669 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 41.0341% | 4,909 |
| Net loans and leases to deposits | 45.2400% | 5,000 |
| Net loans and leases to core deposits | 46.9097% | 5,007 |
| Total domestic deposits to total assets | 90.7030% | 276 |
| Equity capital to assets | 9.1852% | 4,420 |
| Core capital (leverage) ratio | 10.3846% | 3,157 |
| Tier 1 risk-based capital ratio | 26.7803% | 626 |
| Total risk-based capital ratio | 27.7842% | 629 |
| Memoranda: | ||
| Average total assets | $48,089,000 | 4,971 |
| Average earning assets | $46,443,200 | 4,923 |
| Average equity | $4,354,000 | 5,127 |
| Average total loans | $19,856,000 | 5,081 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 5,041 |
| Cost of funding earning assets | 0.3263% | 4,336 |
| Net interest margin | 3.0685% | 4,756 |
| Noninterest income to average assets | 0.2956% | 4,170 |
| Noninterest expense to average assets | 2.5945% | 3,296 |
| Loan and lease loss provision to assets | 0.0110% | 3,778 |
| Net operating income to assets | 0.6406% | 4,396 |
| Return on assets (ROA) | 0.6217% | 4,457 |
| Pretax return on assets | 0.6327% | 4,675 |
| Return on Equity (ROE) | 6.8908% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.8908% | 2,182 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6438% | 980 |
| Assets per employee ($millions) | 3.4636% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 40.9239% | 5,001 |
| Net loans and leases to deposits | 44.8908% | 5,087 |
| Net loans and leases to core deposits | 46.7853% | 5,089 |
| Total domestic deposits to total assets | 91.1631% | 188 |
| Equity capital to assets | 8.7503% | 4,762 |
| Core capital (leverage) ratio | 10.6159% | 2,967 |
| Tier 1 risk-based capital ratio | 26.8224% | 632 |
| Total risk-based capital ratio | 27.7937% | 638 |
| Memoranda: | ||
| Average total assets | $48,255,250 | 5,023 |
| Average earning assets | $46,580,000 | 4,973 |
| Average equity | $4,353,500 | 5,193 |
| Average total loans | $19,907,000 | 5,140 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 5,051 |
| Cost of funding earning assets | 0.3184% | 4,278 |
| Net interest margin | 3.0719% | 4,780 |
| Noninterest income to average assets | 0.2657% | 4,409 |
| Noninterest expense to average assets | 2.5697% | 3,417 |
| Loan and lease loss provision to assets | 0.0125% | 3,611 |
| Net operating income to assets | 0.6390% | 4,381 |
| Return on assets (ROA) | 0.6102% | 4,473 |
| Pretax return on assets | 0.6186% | 4,708 |
| Return on Equity (ROE) | 6.6965% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.6965% | 2,213 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5630% | 1,058 |
| Assets per employee ($millions) | 3.4526% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 41.9513% | 4,986 |
| Net loans and leases to deposits | 46.1262% | 5,096 |
| Net loans and leases to core deposits | 48.0772% | 5,091 |
| Total domestic deposits to total assets | 90.9490% | 256 |
| Equity capital to assets | 8.9807% | 4,577 |
| Core capital (leverage) ratio | 10.5026% | 3,026 |
| Tier 1 risk-based capital ratio | 26.3606% | 646 |
| Total risk-based capital ratio | 27.3247% | 654 |
| Memoranda: | ||
| Average total assets | $48,177,000 | 5,085 |
| Average earning assets | $46,485,670 | 5,034 |
| Average equity | $4,390,330 | 5,246 |
| Average total loans | $19,864,670 | 5,199 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 5,084 |
| Cost of funding earning assets | 0.3011% | 4,343 |
| Net interest margin | 3.0371% | 4,822 |
| Noninterest income to average assets | 0.2828% | 4,283 |
| Noninterest expense to average assets | 2.5199% | 3,583 |
| Loan and lease loss provision to assets | 0.0166% | 3,318 |
| Net operating income to assets | 0.6731% | 4,195 |
| Return on assets (ROA) | 0.6154% | 4,387 |
| Pretax return on assets | 0.6237% | 4,636 |
| Return on Equity (ROE) | 6.7044% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.7044% | 2,414 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2946% | 1,325 |
| Assets per employee ($millions) | 3.4602% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 41.0359% | 5,027 |
| Net loans and leases to deposits | 45.1190% | 5,125 |
| Net loans and leases to core deposits | 47.0175% | 5,120 |
| Total domestic deposits to total assets | 90.9502% | 338 |
| Equity capital to assets | 8.7856% | 4,756 |
| Core capital (leverage) ratio | 10.5164% | 2,926 |
| Tier 1 risk-based capital ratio | 25.9750% | 688 |
| Total risk-based capital ratio | 26.9284% | 692 |
| Memoranda: | ||
| Average total assets | $48,097,000 | 5,144 |
| Average earning assets | $46,491,500 | 5,088 |
| Average equity | $4,415,000 | 5,298 |
| Average total loans | $19,563,500 | 5,267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1954% | 5,193 |
| Cost of funding earning assets | 0.2636% | 4,454 |
| Net interest margin | 2.9318% | 5,003 |
| Noninterest income to average assets | 0.2878% | 4,405 |
| Noninterest expense to average assets | 2.6403% | 3,312 |
| Loan and lease loss provision to assets | 0.0126% | 4,039 |
| Net operating income to assets | 0.4621% | 4,487 |
| Return on assets (ROA) | 0.5503% | 4,249 |
| Pretax return on assets | 0.5503% | 4,846 |
| Return on Equity (ROE) | 5.7240% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.5393% | 3,156 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7606% | 712 |
| Assets per employee ($millions) | 3.4108% | 4,815 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 4,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 39.5280% | 5,146 |
| Net loans and leases to deposits | 43.7783% | 5,253 |
| Net loans and leases to core deposits | 45.6569% | 5,245 |
| Total domestic deposits to total assets | 90.2913% | 470 |
| Equity capital to assets | 9.5789% | 4,160 |
| Core capital (leverage) ratio | 10.1912% | 3,205 |
| Tier 1 risk-based capital ratio | 26.6592% | 614 |
| Total risk-based capital ratio | 27.6468% | 623 |
| Memoranda: | ||
| Average total assets | $47,608,200 | 5,200 |
| Average earning assets | $45,910,000 | 5,151 |
| Average equity | $4,577,200 | 5,337 |
| Average total loans | $18,540,000 | 5,342 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 5,272 |
| Cost of funding earning assets | 0.2588% | 4,494 |
| Net interest margin | 2.9085% | 5,076 |
| Noninterest income to average assets | 0.2915% | 4,447 |
| Noninterest expense to average assets | 2.6738% | 3,148 |
| Loan and lease loss provision to assets | 0.0112% | 3,917 |
| Net operating income to assets | 0.4092% | 4,979 |
| Return on assets (ROA) | 0.5185% | 4,709 |
| Pretax return on assets | 0.5185% | 4,987 |
| Return on Equity (ROE) | 5.3879% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.3879% | 2,615 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4130% | 607 |
| Assets per employee ($millions) | 3.5034% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 4,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.1745% | 5,296 |
| Net loans and leases to deposits | 41.2726% | 5,378 |
| Net loans and leases to core deposits | 42.9942% | 5,390 |
| Total domestic deposits to total assets | 90.0707% | 451 |
| Equity capital to assets | 9.8232% | 4,117 |
| Core capital (leverage) ratio | 10.4077% | 3,078 |
| Tier 1 risk-based capital ratio | 27.1753% | 615 |
| Total risk-based capital ratio | 28.1666% | 616 |
| Memoranda: | ||
| Average total assets | $47,572,500 | 5,259 |
| Average earning assets | $45,842,250 | 5,208 |
| Average equity | $4,578,000 | 5,393 |
| Average total loans | $18,409,750 | 5,403 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1747% | 5,271 |
| Cost of funding earning assets | 0.2605% | 4,464 |
| Net interest margin | 2.9142% | 5,074 |
| Noninterest income to average assets | 0.2761% | 4,573 |
| Noninterest expense to average assets | 2.6805% | 3,162 |
| Loan and lease loss provision to assets | 0.0127% | 3,700 |
| Net operating income to assets | 0.3866% | 5,007 |
| Return on assets (ROA) | 0.5098% | 4,716 |
| Pretax return on assets | 0.5098% | 4,989 |
| Return on Equity (ROE) | 5.3357% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.3357% | 2,509 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0345% | 602 |
| Assets per employee ($millions) | 3.1437% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,213 |
| 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 | 38.8209% | 5,270 |
| Net loans and leases to deposits | 43.2306% | 5,362 |
| Net loans and leases to core deposits | 45.1098% | 5,370 |
| Total domestic deposits to total assets | 89.7996% | 603 |
| Equity capital to assets | 10.1135% | 3,779 |
| Core capital (leverage) ratio | 10.3876% | 3,037 |
| Tier 1 risk-based capital ratio | 27.5159% | 579 |
| Total risk-based capital ratio | 28.5272% | 583 |
| Memoranda: | ||
| Average total assets | $47,081,000 | 5,307 |
| Average earning assets | $45,296,000 | 5,255 |
| Average equity | $4,498,000 | 5,444 |
| Average total loans | $18,407,330 | 5,452 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0942% | 5,371 |
| Cost of funding earning assets | 0.2475% | 4,556 |
| Net interest margin | 2.8467% | 5,175 |
| Noninterest income to average assets | 0.2466% | 4,770 |
| Noninterest expense to average assets | 2.6783% | 3,226 |
| Loan and lease loss provision to assets | 0.0085% | 3,447 |
| Net operating income to assets | 0.2976% | 5,198 |
| Return on assets (ROA) | 0.3401% | 5,121 |
| Pretax return on assets | 0.3401% | 5,248 |
| Return on Equity (ROE) | 3.6676% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.6676% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7436% | 569 |
| Assets per employee ($millions) | 3.3773% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 4,314 |
| 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 | 38.0272% | 5,321 |
| Net loans and leases to deposits | 41.9721% | 5,417 |
| Net loans and leases to core deposits | 43.7693% | 5,416 |
| Total domestic deposits to total assets | 90.6011% | 429 |
| Equity capital to assets | 9.3164% | 4,491 |
| Core capital (leverage) ratio | 10.4363% | 2,977 |
| Tier 1 risk-based capital ratio | 27.2046% | 614 |
| Total risk-based capital ratio | 28.2097% | 617 |
| Memoranda: | ||
| Average total assets | $47,044,000 | 5,369 |
| Average earning assets | $45,246,000 | 5,309 |
| Average equity | $4,362,500 | 5,515 |
| Average total loans | $18,366,500 | 5,511 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 5,421 |
| Cost of funding earning assets | 0.2475% | 4,590 |
| Net interest margin | 2.8375% | 5,227 |
| Noninterest income to average assets | 0.3285% | 4,389 |
| Noninterest expense to average assets | 2.4721% | 4,099 |
| Loan and lease loss provision to assets | 0.0128% | 4,123 |
| Net operating income to assets | 0.5789% | 4,304 |
| Return on assets (ROA) | 0.6634% | 4,052 |
| Pretax return on assets | 0.6676% | 4,597 |
| Return on Equity (ROE) | 6.6041% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.5423% | 1,989 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5981% | 1,347 |
| Assets per employee ($millions) | 3.9005% | 4,141 |
| Cash dividends to net income (ytd only)* | 16.0772% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,479 |
| 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 | 39.2941% | 5,349 |
| Net loans and leases to deposits | 43.9905% | 5,431 |
| Net loans and leases to core deposits | 45.9169% | 5,434 |
| Total domestic deposits to total assets | 89.3240% | 937 |
| Equity capital to assets | 9.2296% | 4,541 |
| Core capital (leverage) ratio | 10.1678% | 3,272 |
| Tier 1 risk-based capital ratio | 26.6334% | 650 |
| Total risk-based capital ratio | 27.6200% | 650 |
| Memoranda: | ||
| Average total assets | $46,883,200 | 5,405 |
| Average earning assets | $45,251,000 | 5,350 |
| Average equity | $4,709,200 | 5,523 |
| Average total loans | $17,664,200 | 5,588 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 5,519 |
| Cost of funding earning assets | 0.2413% | 4,687 |
| Net interest margin | 2.8159% | 5,331 |
| Noninterest income to average assets | 0.3127% | 4,531 |
| Noninterest expense to average assets | 2.4390% | 4,165 |
| Loan and lease loss provision to assets | 0.0114% | 4,015 |
| Net operating income to assets | 0.5828% | 4,359 |
| Return on assets (ROA) | 0.6965% | 4,001 |
| Pretax return on assets | 0.6965% | 4,619 |
| Return on Equity (ROE) | 6.7962% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.7962% | 1,722 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4124% | 1,388 |
| Assets per employee ($millions) | 4.0208% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 4,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 37.7334% | 5,479 |
| Net loans and leases to deposits | 42.5066% | 5,568 |
| Net loans and leases to core deposits | 44.3152% | 5,572 |
| Total domestic deposits to total assets | 88.7708% | 1,018 |
| Equity capital to assets | 10.3132% | 3,788 |
| Core capital (leverage) ratio | 10.2104% | 3,325 |
| Tier 1 risk-based capital ratio | 26.6597% | 668 |
| Total risk-based capital ratio | 27.6395% | 670 |
| Memoranda: | ||
| Average total assets | $46,902,500 | 5,461 |
| Average earning assets | $45,312,250 | 5,406 |
| Average equity | $4,806,500 | 5,555 |
| Average total loans | $17,437,250 | 5,651 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0953% | 5,550 |
| Cost of funding earning assets | 0.2319% | 4,831 |
| Net interest margin | 2.8634% | 5,322 |
| Noninterest income to average assets | 0.2842% | 4,753 |
| Noninterest expense to average assets | 2.4756% | 4,101 |
| Loan and lease loss provision to assets | 0.0129% | 3,845 |
| Net operating income to assets | 0.5597% | 4,443 |
| Return on assets (ROA) | 0.5812% | 4,473 |
| Pretax return on assets | 0.5812% | 4,937 |
| Return on Equity (ROE) | 5.6842% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.6842% | 2,314 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2147% | 1,363 |
| Assets per employee ($millions) | 3.9037% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,429 |
| 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 | 36.8414% | 5,567 |
| Net loans and leases to deposits | 41.3712% | 5,644 |
| Net loans and leases to core deposits | 43.1752% | 5,644 |
| Total domestic deposits to total assets | 89.0509% | 894 |
| Equity capital to assets | 10.5713% | 3,558 |
| Core capital (leverage) ratio | 10.2604% | 3,260 |
| Tier 1 risk-based capital ratio | 27.0895% | 644 |
| Total risk-based capital ratio | 28.1028% | 645 |
| Memoranda: | ||
| Average total assets | $46,453,670 | 5,533 |
| Average earning assets | $44,841,670 | 5,484 |
| Average equity | $4,750,000 | 5,625 |
| Average total loans | $17,121,670 | 5,733 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0973% | 5,611 |
| Cost of funding earning assets | 0.2059% | 5,149 |
| Net interest margin | 2.8914% | 5,337 |
| Noninterest income to average assets | 0.2421% | 5,006 |
| Noninterest expense to average assets | 2.4471% | 4,232 |
| Loan and lease loss provision to assets | 0.0173% | 3,463 |
| Net operating income to assets | 0.5707% | 4,315 |
| Return on assets (ROA) | 0.6226% | 4,199 |
| Pretax return on assets | 0.6226% | 4,751 |
| Return on Equity (ROE) | 6.1949% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.1949% | 2,280 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6268% | 1,533 |
| Assets per employee ($millions) | 3.8664% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,557 |
| 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 | 37.2503% | 5,587 |
| Net loans and leases to deposits | 41.6568% | 5,661 |
| Net loans and leases to core deposits | 43.4782% | 5,675 |
| Total domestic deposits to total assets | 89.4217% | 877 |
| Equity capital to assets | 10.2076% | 3,829 |
| Core capital (leverage) ratio | 10.3824% | 3,092 |
| Tier 1 risk-based capital ratio | 26.4604% | 704 |
| Total risk-based capital ratio | 27.4576% | 706 |
| Memoranda: | ||
| Average total assets | $46,258,500 | 5,589 |
| Average earning assets | $44,683,500 | 5,533 |
| Average equity | $4,649,000 | 5,693 |
| Average total loans | $16,965,000 | 5,790 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9745% | 5,747 |
| Cost of funding earning assets | 0.2053% | 5,237 |
| Net interest margin | 2.7692% | 5,573 |
| Noninterest income to average assets | 0.2833% | 4,862 |
| Noninterest expense to average assets | 2.4313% | 4,435 |
| Loan and lease loss provision to assets | 0.0132% | 4,149 |
| Net operating income to assets | 0.4974% | 4,699 |
| Return on assets (ROA) | 0.5491% | 4,599 |
| Pretax return on assets | 0.5579% | 4,967 |
| Return on Equity (ROE) | 5.6180% | 4,224 |
| Retained earnings to average equity (ytd only) | 4.4944% | 2,785 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4274% | 1,351 |
| Assets per employee ($millions) | 3.8433% | 4,217 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 4,275 |
| 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 | 35.3361% | 5,731 |
| Net loans and leases to deposits | 40.3301% | 5,761 |
| Net loans and leases to core deposits | 42.4257% | 5,755 |
| Total domestic deposits to total assets | 87.6171% | 1,838 |
| Equity capital to assets | 9.8916% | 4,082 |
| Core capital (leverage) ratio | 9.8049% | 3,760 |
| Tier 1 risk-based capital ratio | 26.4816% | 705 |
| Total risk-based capital ratio | 27.4837% | 704 |
| Memoranda: | ||
| Average total assets | $45,530,600 | 5,645 |
| Average earning assets | $43,839,800 | 5,585 |
| Average equity | $4,450,000 | 5,768 |
| Average total loans | $14,992,800 | 5,896 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9131% | 5,880 |
| Cost of funding earning assets | 0.2017% | 5,358 |
| Net interest margin | 2.7113% | 5,710 |
| Noninterest income to average assets | 0.2938% | 4,845 |
| Noninterest expense to average assets | 2.4237% | 4,445 |
| Loan and lease loss provision to assets | 0.0147% | 3,976 |
| Net operating income to assets | 0.4125% | 5,120 |
| Return on assets (ROA) | 0.5024% | 4,868 |
| Pretax return on assets | 0.5611% | 5,065 |
| Return on Equity (ROE) | 5.1558% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.1558% | 2,803 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5866% | 1,212 |
| Assets per employee ($millions) | 3.9117% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 4,115 |
| 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 | 32.5415% | 5,908 |
| Net loans and leases to deposits | 36.5064% | 5,969 |
| Net loans and leases to core deposits | 38.0904% | 5,973 |
| Total domestic deposits to total assets | 89.1393% | 955 |
| Equity capital to assets | 9.5356% | 4,711 |
| Core capital (leverage) ratio | 9.8830% | 3,792 |
| Tier 1 risk-based capital ratio | 26.8706% | 698 |
| Total risk-based capital ratio | 27.8882% | 699 |
| Memoranda: | ||
| Average total assets | $45,383,250 | 5,722 |
| Average earning assets | $43,618,500 | 5,664 |
| Average equity | $4,422,000 | 5,855 |
| Average total loans | $14,623,250 | 5,977 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 5,945 |
| Cost of funding earning assets | 0.2043% | 5,398 |
| Net interest margin | 2.6937% | 5,772 |
| Noninterest income to average assets | 0.2630% | 5,068 |
| Noninterest expense to average assets | 2.4073% | 4,522 |
| Loan and lease loss provision to assets | 0.0134% | 3,854 |
| Net operating income to assets | 0.3615% | 5,255 |
| Return on assets (ROA) | 0.4904% | 4,914 |
| Pretax return on assets | 0.5795% | 5,026 |
| Return on Equity (ROE) | 4.9955% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.9955% | 2,869 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5070% | 1,208 |
| Assets per employee ($millions) | 3.7360% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,988 |
| 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 | 32.2872% | 5,959 |
| Net loans and leases to deposits | 36.5420% | 6,017 |
| Net loans and leases to core deposits | 38.2158% | 6,017 |
| Total domestic deposits to total assets | 88.3565% | 1,465 |
| Equity capital to assets | 9.7140% | 4,383 |
| Core capital (leverage) ratio | 9.8898% | 3,754 |
| Tier 1 risk-based capital ratio | 27.7679% | 656 |
| Total risk-based capital ratio | 28.8214% | 659 |
| Memoranda: | ||
| Average total assets | $44,864,330 | 5,797 |
| Average earning assets | $43,063,670 | 5,735 |
| Average equity | $4,404,000 | 5,919 |
| Average total loans | $14,348,330 | 6,051 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9082% | 5,987 |
| Cost of funding earning assets | 0.2038% | 5,479 |
| Net interest margin | 2.7044% | 5,795 |
| Noninterest income to average assets | 0.2228% | 5,361 |
| Noninterest expense to average assets | 2.3975% | 4,601 |
| Loan and lease loss provision to assets | 0.0089% | 3,602 |
| Net operating income to assets | 0.3378% | 5,290 |
| Return on assets (ROA) | 0.4100% | 5,144 |
| Pretax return on assets | 0.5080% | 5,160 |
| Return on Equity (ROE) | 4.1549% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.1549% | 3,512 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8580% | 1,283 |
| Assets per employee ($millions) | 3.7758% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 4,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.7775% | 6,045 |
| Net loans and leases to deposits | 35.1348% | 6,087 |
| Net loans and leases to core deposits | 36.7351% | 6,083 |
| Total domestic deposits to total assets | 87.5985% | 2,045 |
| Equity capital to assets | 9.8325% | 4,346 |
| Core capital (leverage) ratio | 10.0479% | 3,535 |
| Tier 1 risk-based capital ratio | 26.7877% | 732 |
| Total risk-based capital ratio | 26.7877% | 811 |
| Memoranda: | ||
| Average total assets | $44,880,500 | 5,845 |
| Average earning assets | $43,188,500 | 5,778 |
| Average equity | $4,428,500 | 5,962 |
| Average total loans | $14,199,500 | 6,106 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 6,063 |
| Cost of funding earning assets | 0.2124% | 5,647 |
| Net interest margin | 2.7944% | 5,817 |
| Noninterest income to average assets | 0.2932% | 5,022 |
| Noninterest expense to average assets | 2.4279% | 4,767 |
| Loan and lease loss provision to assets | 0.0137% | 4,341 |
| Net operating income to assets | 0.4717% | 4,916 |
| Return on assets (ROA) | 0.5383% | 4,733 |
| Pretax return on assets | 0.6093% | 4,914 |
| Return on Equity (ROE) | 5.6917% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.6917% | 2,136 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6012% | 1,707 |
| Assets per employee ($millions) | 3.7043% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 4,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 31.7579% | 6,121 |
| Net loans and leases to deposits | 36.5792% | 6,153 |
| Net loans and leases to core deposits | 38.2896% | 6,142 |
| Total domestic deposits to total assets | 86.8195% | 2,377 |
| Equity capital to assets | 9.9028% | 4,228 |
| Core capital (leverage) ratio | 9.6111% | 4,078 |
| Tier 1 risk-based capital ratio | 21.7189% | 1,263 |
| Total risk-based capital ratio | 22.5488% | 1,318 |
| Memoranda: | ||
| Average total assets | $43,659,800 | 5,937 |
| Average earning assets | $41,904,800 | 5,872 |
| Average equity | $4,128,800 | 6,063 |
| Average total loans | $13,291,800 | 6,218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 6,151 |
| Cost of funding earning assets | 0.2114% | 5,742 |
| Net interest margin | 2.7708% | 5,908 |
| Noninterest income to average assets | 0.3098% | 4,960 |
| Noninterest expense to average assets | 2.4389% | 4,701 |
| Loan and lease loss provision to assets | 0.0123% | 4,171 |
| Net operating income to assets | 0.4501% | 5,073 |
| Return on assets (ROA) | 0.5338% | 4,816 |
| Pretax return on assets | 0.6074% | 5,006 |
| Return on Equity (ROE) | 5.7133% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.7133% | 2,592 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2981% | 1,575 |
| Assets per employee ($millions) | 3.8030% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 4,267 |
| 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 | 30.1034% | 6,242 |
| Net loans and leases to deposits | 34.6963% | 6,278 |
| Net loans and leases to core deposits | 36.2710% | 6,278 |
| Total domestic deposits to total assets | 86.7626% | 2,443 |
| Equity capital to assets | 9.2800% | 5,057 |
| Core capital (leverage) ratio | 9.5127% | 4,351 |
| Tier 1 risk-based capital ratio | 21.7802% | 1,295 |
| Total risk-based capital ratio | 22.6140% | 1,352 |
| Memoranda: | ||
| Average total assets | $43,461,750 | 6,013 |
| Average earning assets | $41,623,750 | 5,954 |
| Average equity | $4,060,500 | 6,148 |
| Average total loans | $13,043,500 | 6,300 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0060% | 6,171 |
| Cost of funding earning assets | 0.2109% | 5,819 |
| Net interest margin | 2.7951% | 5,921 |
| Noninterest income to average assets | 0.2995% | 5,011 |
| Noninterest expense to average assets | 2.4569% | 4,710 |
| Loan and lease loss provision to assets | 0.0140% | 3,976 |
| Net operating income to assets | 0.4195% | 5,140 |
| Return on assets (ROA) | 0.5335% | 4,770 |
| Pretax return on assets | 0.6318% | 4,846 |
| Return on Equity (ROE) | 5.6967% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.6967% | 2,516 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8076% | 1,652 |
| Assets per employee ($millions) | 3.7560% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 3,698 |
| 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 | 27.1721% | 6,389 |
| Net loans and leases to deposits | 31.4518% | 6,399 |
| Net loans and leases to core deposits | 32.9894% | 6,390 |
| Total domestic deposits to total assets | 86.3929% | 2,824 |
| Equity capital to assets | 9.3672% | 4,882 |
| Core capital (leverage) ratio | 9.6042% | 4,167 |
| Tier 1 risk-based capital ratio | 20.7573% | 1,496 |
| Total risk-based capital ratio | 21.5583% | 1,582 |
| Memoranda: | ||
| Average total assets | $42,737,000 | 6,084 |
| Average earning assets | $40,785,670 | 6,027 |
| Average equity | $4,002,330 | 6,203 |
| Average total loans | $12,756,670 | 6,363 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0780% | 6,147 |
| Cost of funding earning assets | 0.1911% | 6,071 |
| Net interest margin | 2.8869% | 5,781 |
| Noninterest income to average assets | 0.3175% | 4,834 |
| Noninterest expense to average assets | 2.5115% | 4,585 |
| Loan and lease loss provision to assets | 0.0192% | 3,577 |
| Net operating income to assets | 0.4728% | 4,823 |
| Return on assets (ROA) | 0.4811% | 4,856 |
| Pretax return on assets | 0.5581% | 4,988 |
| Return on Equity (ROE) | 5.1381% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.1381% | 3,028 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5625% | 1,984 |
| Assets per employee ($millions) | 3.6087% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.5146% | 6,371 |
| Net loans and leases to deposits | 34.2866% | 6,362 |
| Net loans and leases to core deposits | 35.9330% | 6,365 |
| Total domestic deposits to total assets | 86.0821% | 3,326 |
| Equity capital to assets | 9.1608% | 4,921 |
| Core capital (leverage) ratio | 10.2527% | 3,216 |
| Tier 1 risk-based capital ratio | 20.8401% | 1,504 |
| Total risk-based capital ratio | 21.6516% | 1,584 |
| Memoranda: | ||
| Average total assets | $41,569,500 | 6,177 |
| Average earning assets | $39,766,000 | 6,104 |
| Average equity | $3,892,500 | 6,269 |
| Average total loans | $12,929,000 | 6,424 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7647% | 6,513 |
| Cost of funding earning assets | 0.2110% | 6,225 |
| Net interest margin | 2.5537% | 6,329 |
| Noninterest income to average assets | 0.3513% | 4,802 |
| Noninterest expense to average assets | 2.6374% | 4,327 |
| Loan and lease loss provision to assets | 0.0151% | 4,826 |
| Net operating income to assets | 0.1240% | 5,990 |
| Return on assets (ROA) | 0.5445% | 4,659 |
| Pretax return on assets | 0.5571% | 5,023 |
| Return on Equity (ROE) | 5.4696% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.4696% | 2,296 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8556% | 708 |
| Assets per employee ($millions) | 3.6214% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,370 |
| 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 | 32.0095% | 6,381 |
| Net loans and leases to deposits | 35.5043% | 6,443 |
| Net loans and leases to core deposits | 36.5274% | 6,453 |
| Total domestic deposits to total assets | 90.1569% | 1,002 |
| Equity capital to assets | 9.5845% | 4,307 |
| Core capital (leverage) ratio | 10.2679% | 3,195 |
| Tier 1 risk-based capital ratio | 22.1465% | 1,232 |
| Total risk-based capital ratio | 23.0086% | 1,278 |
| Memoranda: | ||
| Average total assets | $39,850,400 | 6,293 |
| Average earning assets | $37,905,800 | 6,226 |
| Average equity | $3,967,400 | 6,335 |
| Average total loans | $11,546,600 | 6,536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6316% | 6,651 |
| Cost of funding earning assets | 0.2149% | 6,320 |
| Net interest margin | 2.4167% | 6,502 |
| Noninterest income to average assets | 0.3714% | 4,739 |
| Noninterest expense to average assets | 2.5994% | 4,389 |
| Loan and lease loss provision to assets | 0.0167% | 4,679 |
| Net operating income to assets | 0.0499% | 6,220 |
| Return on assets (ROA) | 0.4884% | 5,003 |
| Pretax return on assets | 0.5118% | 5,323 |
| Return on Equity (ROE) | 4.8607% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.8607% | 3,183 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4906% | 550 |
| Assets per employee ($millions) | 3.3663% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,176 |
| 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 | 29.2685% | 6,557 |
| Net loans and leases to deposits | 32.4264% | 6,605 |
| Net loans and leases to core deposits | 33.1112% | 6,626 |
| Total domestic deposits to total assets | 90.2612% | 859 |
| Equity capital to assets | 9.4566% | 4,604 |
| Core capital (leverage) ratio | 10.1330% | 3,486 |
| Tier 1 risk-based capital ratio | 21.3451% | 1,434 |
| Total risk-based capital ratio | 22.1851% | 1,481 |
| Memoranda: | ||
| Average total assets | $39,854,250 | 6,364 |
| Average earning assets | $37,846,250 | 6,305 |
| Average equity | $4,004,750 | 6,400 |
| Average total loans | $11,205,000 | 6,619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6320% | 6,693 |
| Cost of funding earning assets | 0.2114% | 6,420 |
| Net interest margin | 2.4206% | 6,535 |
| Noninterest income to average assets | 0.3428% | 4,944 |
| Noninterest expense to average assets | 2.5659% | 4,503 |
| Loan and lease loss provision to assets | 0.0151% | 4,589 |
| Net operating income to assets | 0.0685% | 6,203 |
| Return on assets (ROA) | 0.4890% | 5,019 |
| Pretax return on assets | 0.5041% | 5,360 |
| Return on Equity (ROE) | 4.7709% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.7709% | 3,205 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7681% | 626 |
| Assets per employee ($millions) | 3.3668% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 3,914 |
| 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 | 27.1917% | 6,652 |
| Net loans and leases to deposits | 30.6111% | 6,683 |
| Net loans and leases to core deposits | 31.2662% | 6,699 |
| Total domestic deposits to total assets | 88.8298% | 1,717 |
| Equity capital to assets | 9.5787% | 4,479 |
| Core capital (leverage) ratio | 10.1604% | 3,281 |
| Tier 1 risk-based capital ratio | 21.7335% | 1,348 |
| Total risk-based capital ratio | 22.5885% | 1,386 |
| Memoranda: | ||
| Average total assets | $39,674,000 | 6,414 |
| Average earning assets | $37,842,000 | 6,349 |
| Average equity | $4,066,330 | 6,433 |
| Average total loans | $10,945,330 | 6,670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7038% | 6,732 |
| Cost of funding earning assets | 0.2244% | 6,450 |
| Net interest margin | 2.4794% | 6,531 |
| Noninterest income to average assets | 0.3561% | 4,822 |
| Noninterest expense to average assets | 2.6558% | 4,227 |
| Loan and lease loss provision to assets | 0.0102% | 4,325 |
| Net operating income to assets | 0.0509% | 6,247 |
| Return on assets (ROA) | 0.2544% | 5,831 |
| Pretax return on assets | 0.2544% | 5,946 |
| Return on Equity (ROE) | 2.4012% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.4012% | 4,827 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7528% | 646 |
| Assets per employee ($millions) | 3.2463% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,063 |
| 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 | 27.6183% | 6,680 |
| Net loans and leases to deposits | 31.4673% | 6,704 |
| Net loans and leases to core deposits | 31.9343% | 6,726 |
| Total domestic deposits to total assets | 87.7683% | 2,478 |
| Equity capital to assets | 10.6710% | 3,348 |
| Core capital (leverage) ratio | 10.1568% | 3,203 |
| Tier 1 risk-based capital ratio | 20.4597% | 1,660 |
| Total risk-based capital ratio | 21.2688% | 1,738 |
| Memoranda: | ||
| Average total assets | $39,310,000 | 6,484 |
| Average earning assets | $37,429,000 | 6,420 |
| Average equity | $4,164,500 | 6,475 |
| Average total loans | $10,845,500 | 6,739 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 6,691 |
| Cost of funding earning assets | 0.2418% | 6,706 |
| Net interest margin | 2.9040% | 6,217 |
| Noninterest income to average assets | 0.4384% | 4,329 |
| Noninterest expense to average assets | 2.7800% | 4,106 |
| Loan and lease loss provision to assets | 0.0294% | 5,528 |
| Net operating income to assets | 0.3849% | 5,160 |
| Return on assets (ROA) | 0.6442% | 4,281 |
| Pretax return on assets | 0.6549% | 4,810 |
| Return on Equity (ROE) | 5.9051% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.9051% | 2,138 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8839% | 1,342 |
| Assets per employee ($millions) | 3.3053% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,951 |
| 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 | 26.7724% | 6,792 |
| Net loans and leases to deposits | 30.3513% | 6,821 |
| Net loans and leases to core deposits | 30.3513% | 6,841 |
| Total domestic deposits to total assets | 88.2085% | 2,088 |
| Equity capital to assets | 10.5184% | 3,506 |
| Core capital (leverage) ratio | 9.8593% | 3,594 |
| Tier 1 risk-based capital ratio | 19.8341% | 1,723 |
| Total risk-based capital ratio | 20.6184% | 1,815 |
| Memoranda: | ||
| Average total assets | $37,409,400 | 6,573 |
| Average earning assets | $35,572,000 | 6,514 |
| Average equity | $4,081,200 | 6,548 |
| Average total loans | $9,783,800 | 6,859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 6,796 |
| Cost of funding earning assets | 0.2471% | 6,819 |
| Net interest margin | 2.9540% | 6,265 |
| Noninterest income to average assets | 0.4342% | 4,395 |
| Noninterest expense to average assets | 2.8116% | 3,949 |
| Loan and lease loss provision to assets | 0.0326% | 5,370 |
| Net operating income to assets | 0.3695% | 5,373 |
| Return on assets (ROA) | 0.6658% | 4,332 |
| Pretax return on assets | 0.7237% | 4,779 |
| Return on Equity (ROE) | 6.0448% | 4,310 |
| Retained earnings to average equity (ytd only) | 6.0448% | 2,676 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6221% | 1,331 |
| Assets per employee ($millions) | 3.2817% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 26.5338% | 6,909 |
| Net loans and leases to deposits | 30.3212% | 6,941 |
| Net loans and leases to core deposits | 30.3212% | 6,964 |
| Total domestic deposits to total assets | 87.5089% | 2,341 |
| Equity capital to assets | 10.7847% | 3,524 |
| Core capital (leverage) ratio | 10.3114% | 3,150 |
| Tier 1 risk-based capital ratio | 18.9215% | 2,036 |
| Total risk-based capital ratio | 19.6710% | 2,165 |
| Memoranda: | ||
| Average total assets | $36,845,750 | 6,668 |
| Average earning assets | $35,070,000 | 6,614 |
| Average equity | $4,058,500 | 6,628 |
| Average total loans | $9,536,000 | 6,958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 6,825 |
| Cost of funding earning assets | 0.2507% | 6,910 |
| Net interest margin | 3.0323% | 6,169 |
| Noninterest income to average assets | 0.4222% | 4,482 |
| Noninterest expense to average assets | 2.8777% | 3,715 |
| Loan and lease loss provision to assets | 0.0333% | 5,253 |
| Net operating income to assets | 0.3703% | 5,344 |
| Return on assets (ROA) | 0.5667% | 4,788 |
| Pretax return on assets | 0.6111% | 5,097 |
| Return on Equity (ROE) | 5.1055% | 4,758 |
| Retained earnings to average equity (ytd only) | 5.1055% | 3,221 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9128% | 1,349 |
| Assets per employee ($millions) | 3.1022% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 26.0436% | 6,979 |
| Net loans and leases to deposits | 30.0387% | 7,008 |
| Net loans and leases to core deposits | 30.0387% | 7,023 |
| Total domestic deposits to total assets | 86.7002% | 2,956 |
| Equity capital to assets | 10.9010% | 3,224 |
| Core capital (leverage) ratio | 10.4782% | 2,831 |
| Tier 1 risk-based capital ratio | 20.3301% | 1,631 |
| Total risk-based capital ratio | 21.1367% | 1,699 |
| Memoranda: | ||
| Average total assets | $36,001,000 | 6,734 |
| Average earning assets | $34,297,670 | 6,677 |
| Average equity | $3,995,670 | 6,681 |
| Average total loans | $9,180,330 | 7,033 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 6,734 |
| Cost of funding earning assets | 0.2612% | 6,977 |
| Net interest margin | 3.2059% | 5,769 |
| Noninterest income to average assets | 0.3843% | 4,792 |
| Noninterest expense to average assets | 2.9614% | 3,419 |
| Loan and lease loss provision to assets | 0.0339% | 4,956 |
| Net operating income to assets | 0.3933% | 5,283 |
| Return on assets (ROA) | 0.7799% | 3,714 |
| Pretax return on assets | 0.8703% | 4,151 |
| Return on Equity (ROE) | 6.9618% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.9618% | 2,454 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1842% | 1,464 |
| Assets per employee ($millions) | 2.9170% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 3,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.0485% | 7,037 |
| Net loans and leases to deposits | 30.6158% | 7,039 |
| Net loans and leases to core deposits | 30.6158% | 7,066 |
| Total domestic deposits to total assets | 85.0817% | 3,999 |
| Equity capital to assets | 11.3387% | 2,592 |
| Core capital (leverage) ratio | 10.8698% | 2,363 |
| Tier 1 risk-based capital ratio | 20.6919% | 1,547 |
| Total risk-based capital ratio | 21.5034% | 1,620 |
| Memoranda: | ||
| Average total assets | $35,388,500 | 6,813 |
| Average earning assets | $33,688,000 | 6,753 |
| Average equity | $3,964,500 | 6,725 |
| Average total loans | $8,847,500 | 7,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3218% | 7,088 |
| Cost of funding earning assets | 0.3135% | 7,083 |
| Net interest margin | 3.0083% | 6,520 |
| Noninterest income to average assets | 0.4118% | 4,521 |
| Noninterest expense to average assets | 3.0630% | 3,345 |
| Loan and lease loss provision to assets | 0.0543% | 5,915 |
| Net operating income to assets | 0.1487% | 5,738 |
| Return on assets (ROA) | 0.6349% | 4,007 |
| Pretax return on assets | 0.6349% | 4,576 |
| Return on Equity (ROE) | 5.6833% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.8432% | 4,905 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7828% | 935 |
| Assets per employee ($millions) | 2.7518% | 6,533 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 3,122 |
| Loan loss allowance to noncurrent loans | 65.9091% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 5,421 |
| Noncurrent loans to loans | 2.6100% | 2,505 |
| Net loans and leases to total assets | 23.1571% | 7,167 |
| Net loans and leases to deposits | 27.0639% | 7,178 |
| Net loans and leases to core deposits | 27.0639% | 7,185 |
| Total domestic deposits to total assets | 85.5645% | 3,560 |
| Equity capital to assets | 11.0698% | 2,924 |
| Core capital (leverage) ratio | 10.3922% | 2,854 |
| Tier 1 risk-based capital ratio | 19.9935% | 1,644 |
| Total risk-based capital ratio | 20.7762% | 1,720 |
| Memoranda: | ||
| Average total assets | $34,966,200 | 6,830 |
| Average earning assets | $33,175,200 | 6,776 |
| Average equity | $3,906,200 | 6,781 |
| Average total loans | $8,542,400 | 7,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 7,151 |
| Cost of funding earning assets | 0.3278% | 7,163 |
| Net interest margin | 3.0430% | 6,503 |
| Noninterest income to average assets | 0.4219% | 4,503 |
| Noninterest expense to average assets | 3.1180% | 3,095 |
| Loan and lease loss provision to assets | 0.0614% | 5,681 |
| Net operating income to assets | 0.1206% | 5,915 |
| Return on assets (ROA) | 0.5178% | 4,651 |
| Pretax return on assets | 0.5446% | 4,996 |
| Return on Equity (ROE) | 4.6240% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.6240% | 3,427 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3155% | 900 |
| Assets per employee ($millions) | 3.0000% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 3,084 |
| Loan loss allowance to noncurrent loans | 62.2807% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 5,552 |
| Noncurrent loans to loans | 2.8193% | 2,470 |
| Net loans and leases to total assets | 22.0694% | 7,256 |
| Net loans and leases to deposits | 26.1848% | 7,267 |
| Net loans and leases to core deposits | 26.1848% | 7,275 |
| Total domestic deposits to total assets | 84.2833% | 4,107 |
| Equity capital to assets | 11.3167% | 2,845 |
| Core capital (leverage) ratio | 10.6447% | 2,715 |
| Tier 1 risk-based capital ratio | 20.4075% | 1,587 |
| Total risk-based capital ratio | 21.1770% | 1,675 |
| Memoranda: | ||
| Average total assets | $34,764,500 | 6,899 |
| Average earning assets | $32,949,250 | 6,845 |
| Average equity | $3,892,750 | 6,834 |
| Average total loans | $8,570,750 | 7,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 7,194 |
| Cost of funding earning assets | 0.3385% | 7,250 |
| Net interest margin | 3.1020% | 6,406 |
| Noninterest income to average assets | 0.4192% | 4,520 |
| Noninterest expense to average assets | 3.1264% | 3,154 |
| Loan and lease loss provision to assets | 0.0699% | 5,434 |
| Net operating income to assets | 0.1468% | 5,893 |
| Return on assets (ROA) | 0.6230% | 4,077 |
| Pretax return on assets | 0.6637% | 4,519 |
| Return on Equity (ROE) | 5.5841% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.5841% | 2,647 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2292% | 1,027 |
| Assets per employee ($millions) | 2.9233% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 3,734 |
| Loan loss allowance to noncurrent loans | 49.1103% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 5,290 |
| Noncurrent loans to loans | 3.2370% | 2,205 |
| Net loans and leases to total assets | 24.3529% | 7,310 |
| Net loans and leases to deposits | 29.1998% | 7,315 |
| Net loans and leases to core deposits | 29.1998% | 7,329 |
| Total domestic deposits to total assets | 83.4008% | 4,582 |
| Equity capital to assets | 11.2685% | 2,708 |
| Core capital (leverage) ratio | 10.7372% | 2,483 |
| Tier 1 risk-based capital ratio | 20.5779% | 1,501 |
| Total risk-based capital ratio | 21.3374% | 1,572 |
| Memoranda: | ||
| Average total assets | $34,352,670 | 6,978 |
| Average earning assets | $32,495,670 | 6,917 |
| Average equity | $3,832,330 | 6,893 |
| Average total loans | $8,732,000 | 7,294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 7,251 |
| Cost of funding earning assets | 0.3353% | 7,340 |
| Net interest margin | 3.0923% | 6,368 |
| Noninterest income to average assets | 0.4001% | 4,698 |
| Noninterest expense to average assets | 3.2010% | 2,892 |
| Loan and lease loss provision to assets | 0.0706% | 5,117 |
| Net operating income to assets | 0.0598% | 6,212 |
| Return on assets (ROA) | 0.6473% | 3,842 |
| Pretax return on assets | 0.6708% | 4,415 |
| Return on Equity (ROE) | 5.8324% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.8324% | 2,736 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1131% | 914 |
| Assets per employee ($millions) | 2.8993% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,953 |
| Loan loss allowance to noncurrent loans | 46.9751% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 5,295 |
| Noncurrent loans to loans | 3.3020% | 2,277 |
| Net loans and leases to total assets | 24.0809% | 7,373 |
| Net loans and leases to deposits | 29.1034% | 7,369 |
| Net loans and leases to core deposits | 29.1034% | 7,384 |
| Total domestic deposits to total assets | 82.7427% | 5,014 |
| Equity capital to assets | 11.0258% | 2,663 |
| Core capital (leverage) ratio | 11.1296% | 2,090 |
| Tier 1 risk-based capital ratio | 20.1950% | 1,548 |
| Total risk-based capital ratio | 20.9180% | 1,628 |
| Memoranda: | ||
| Average total assets | $33,989,000 | 7,037 |
| Average earning assets | $32,209,500 | 6,982 |
| Average equity | $3,772,000 | 6,943 |
| Average total loans | $8,757,500 | 7,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 7,177 |
| Cost of funding earning assets | 0.4179% | 7,411 |
| Net interest margin | 3.5130% | 5,197 |
| Noninterest income to average assets | 0.1803% | 6,459 |
| Noninterest expense to average assets | 3.2728% | 2,820 |
| Loan and lease loss provision to assets | 0.0746% | 6,403 |
| Net operating income to assets | 0.1762% | 5,356 |
| Return on assets (ROA) | 0.7366% | 3,190 |
| Pretax return on assets | 0.7491% | 3,801 |
| Return on Equity (ROE) | 6.3892% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.3892% | 1,625 |
| Net charge-offs to loans | 0.1185% | 5,699 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,287 |
| Efficiency ratio | 92.8571% | 1,127 |
| Assets per employee ($millions) | 2.5528% | 6,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,509 |
| Loan loss allowance to noncurrent loans | 44.8399% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 5,312 |
| Noncurrent loans to loans | 3.1205% | 2,447 |
| Net loans and leases to total assets | 26.7545% | 7,431 |
| Net loans and leases to deposits | 30.2521% | 7,455 |
| Net loans and leases to core deposits | 30.2521% | 7,468 |
| Total domestic deposits to total assets | 88.4382% | 1,990 |
| Equity capital to assets | 11.1730% | 2,534 |
| Core capital (leverage) ratio | 10.8548% | 2,263 |
| Tier 1 risk-based capital ratio | 20.1476% | 1,458 |
| Total risk-based capital ratio | 20.8465% | 1,541 |
| Memoranda: | ||
| Average total assets | $32,173,800 | 7,139 |
| Average earning assets | $30,629,400 | 7,070 |
| Average equity | $3,709,400 | 7,084 |
| Average total loans | $10,127,400 | 7,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 7,267 |
| Cost of funding earning assets | 0.4294% | 7,539 |
| Net interest margin | 3.6021% | 4,864 |
| Noninterest income to average assets | 0.0836% | 7,117 |
| Noninterest expense to average assets | 3.2998% | 2,571 |
| Loan and lease loss provision to assets | 0.0752% | 6,299 |
| Net operating income to assets | 0.1381% | 5,667 |
| Return on assets (ROA) | 0.5597% | 4,220 |
| Pretax return on assets | 0.5722% | 4,684 |
| Return on Equity (ROE) | 4.8160% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,114 |
| Net charge-offs to loans | 0.1537% | 5,081 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 4.3331% | 3,097 |
| Efficiency ratio | 93.8242% | 1,009 |
| Assets per employee ($millions) | 2.7730% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 26.9744% | 7,529 |
| Net loans and leases to deposits | 30.7271% | 7,553 |
| Net loans and leases to core deposits | 30.7271% | 7,569 |
| Total domestic deposits to total assets | 87.7870% | 2,104 |
| Equity capital to assets | 11.4828% | 2,549 |
| Core capital (leverage) ratio | 10.7628% | 2,456 |
| Tier 1 risk-based capital ratio | 19.4542% | 1,653 |
| Total risk-based capital ratio | 20.1158% | 1,748 |
| Memoranda: | ||
| Average total assets | $31,920,500 | 7,230 |
| Average earning assets | $30,426,000 | 7,159 |
| Average equity | $3,709,750 | 7,172 |
| Average total loans | $10,408,000 | 7,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 7,248 |
| Cost of funding earning assets | 0.4526% | 7,598 |
| Net interest margin | 3.6807% | 4,446 |
| Noninterest income to average assets | -0.1462% | 7,657 |
| Noninterest expense to average assets | 3.3939% | 2,275 |
| Loan and lease loss provision to assets | 0.0763% | 6,176 |
| Net operating income to assets | -0.1011% | 6,229 |
| Return on assets (ROA) | 0.5339% | 4,328 |
| Pretax return on assets | 0.5529% | 4,728 |
| Return on Equity (ROE) | 4.5743% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.5743% | 3,165 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7547% | 779 |
| Assets per employee ($millions) | 2.4655% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,401 |
| Loan loss allowance to noncurrent loans | 68.4783% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 6,043 |
| Noncurrent loans to loans | 1.7657% | 4,037 |
| Net loans and leases to total assets | 32.1207% | 7,479 |
| Net loans and leases to deposits | 36.6657% | 7,517 |
| Net loans and leases to core deposits | 36.6657% | 7,555 |
| Total domestic deposits to total assets | 87.6041% | 2,205 |
| Equity capital to assets | 11.6907% | 2,287 |
| Core capital (leverage) ratio | 11.1349% | 2,144 |
| Tier 1 risk-based capital ratio | 19.4989% | 1,605 |
| Total risk-based capital ratio | 20.2051% | 1,700 |
| Memoranda: | ||
| Average total assets | $31,468,670 | 7,299 |
| Average earning assets | $30,048,670 | 7,226 |
| Average equity | $3,672,670 | 7,220 |
| Average total loans | $10,845,330 | 7,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 7,180 |
| Cost of funding earning assets | 0.4849% | 7,695 |
| Net interest margin | 3.7846% | 3,856 |
| Noninterest income to average assets | 0.4362% | 4,592 |
| Noninterest expense to average assets | 3.5410% | 1,880 |
| Loan and lease loss provision to assets | 0.0770% | 5,871 |
| Net operating income to assets | 0.3995% | 4,842 |
| Return on assets (ROA) | 0.6287% | 3,892 |
| Pretax return on assets | 0.6671% | 4,348 |
| Return on Equity (ROE) | 5.3913% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.3913% | 2,936 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6190% | 1,631 |
| Assets per employee ($millions) | 2.3795% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,978 |
| Loan loss allowance to noncurrent loans | 65.2174% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4030% | 4,409 |
| Noncurrent loans to loans | 1.6962% | 4,199 |
| Net loans and leases to total assets | 34.6803% | 7,472 |
| Net loans and leases to deposits | 39.6452% | 7,528 |
| Net loans and leases to core deposits | 39.6452% | 7,586 |
| Total domestic deposits to total assets | 87.4766% | 2,369 |
| Equity capital to assets | 11.8122% | 2,156 |
| Core capital (leverage) ratio | 11.2512% | 2,054 |
| Tier 1 risk-based capital ratio | 19.6027% | 1,603 |
| Total risk-based capital ratio | 20.2857% | 1,680 |
| Memoranda: | ||
| Average total assets | $31,177,500 | 7,399 |
| Average earning assets | $29,699,500 | 7,333 |
| Average equity | $3,635,500 | 7,304 |
| Average total loans | $11,057,500 | 7,591 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 7,376 |
| Cost of funding earning assets | 0.7627% | 7,604 |
| Net interest margin | 3.7445% | 3,929 |
| Noninterest income to average assets | 0.4694% | 4,653 |
| Noninterest expense to average assets | 3.2766% | 3,095 |
| Loan and lease loss provision to assets | 0.0599% | 6,963 |
| Net operating income to assets | 0.6530% | 3,127 |
| Return on assets (ROA) | 0.8381% | 2,477 |
| Pretax return on assets | 0.9452% | 2,777 |
| Return on Equity (ROE) | 7.8355% | 2,446 |
| Retained earnings to average equity (ytd only) | 7.8355% | 742 |
| Net charge-offs to loans | 0.4069% | 4,190 |
| Credit loss provision to net charge-offs | 38.7755% | 6,838 |
| Earnings coverage of net charge-offs (x) | 5.1633% | 2,671 |
| Efficiency ratio | 80.4331% | 2,819 |
| Assets per employee ($millions) | 2.4170% | 7,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,312 |
| Loan loss allowance to noncurrent loans | 61.9565% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 4,348 |
| Noncurrent loans to loans | 1.6331% | 4,195 |
| Net loans and leases to total assets | 35.4954% | 7,542 |
| Net loans and leases to deposits | 40.3641% | 7,617 |
| Net loans and leases to core deposits | 43.1634% | 7,712 |
| Total domestic deposits to total assets | 87.9380% | 1,997 |
| Equity capital to assets | 11.5114% | 2,312 |
| Core capital (leverage) ratio | 10.7901% | 2,354 |
| Tier 1 risk-based capital ratio | 19.1300% | 1,628 |
| Total risk-based capital ratio | 19.7724% | 1,710 |
| Memoranda: | ||
| Average total assets | $31,740,200 | 7,416 |
| Average earning assets | $30,551,200 | 7,335 |
| Average equity | $3,394,800 | 7,478 |
| Average total loans | $12,040,800 | 7,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 7,471 |
| Cost of funding earning assets | 0.8340% | 7,649 |
| Net interest margin | 3.7008% | 4,070 |
| Noninterest income to average assets | 0.4777% | 4,692 |
| Noninterest expense to average assets | 3.2013% | 3,292 |
| Loan and lease loss provision to assets | 0.0587% | 6,776 |
| Net operating income to assets | 0.6854% | 3,259 |
| Return on assets (ROA) | 0.9260% | 2,392 |
| Pretax return on assets | 1.0643% | 2,694 |
| Return on Equity (ROE) | 8.8241% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.8241% | 885 |
| Net charge-offs to loans | 0.2180% | 4,670 |
| Credit loss provision to net charge-offs | 70.0000% | 5,982 |
| Earnings coverage of net charge-offs (x) | 10.0986% | 2,009 |
| Efficiency ratio | 79.0890% | 2,981 |
| Assets per employee ($millions) | 2.7022% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 5,379 |
| Loan loss allowance to noncurrent loans | 29.8056% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 4,245 |
| Noncurrent loans to loans | 3.8790% | 1,907 |
| Net loans and leases to total assets | 36.3844% | 7,606 |
| Net loans and leases to deposits | 41.0894% | 7,697 |
| Net loans and leases to core deposits | 44.4436% | 7,791 |
| Total domestic deposits to total assets | 88.5493% | 1,410 |
| Equity capital to assets | 10.9264% | 3,083 |
| Core capital (leverage) ratio | 10.3940% | 2,889 |
| Tier 1 risk-based capital ratio | 18.5688% | 1,844 |
| Total risk-based capital ratio | 19.3337% | 1,916 |
| Memoranda: | ||
| Average total assets | $31,820,000 | 7,469 |
| Average earning assets | $30,695,500 | 7,390 |
| Average equity | $3,339,250 | 7,557 |
| Average total loans | $12,234,250 | 7,661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 7,571 |
| Cost of funding earning assets | 0.9247% | 7,665 |
| Net interest margin | 3.6396% | 4,214 |
| Noninterest income to average assets | 0.4491% | 4,854 |
| Noninterest expense to average assets | 3.2197% | 3,275 |
| Loan and lease loss provision to assets | 0.0569% | 6,650 |
| Net operating income to assets | 0.5919% | 3,709 |
| Return on assets (ROA) | 0.9552% | 2,358 |
| Pretax return on assets | 1.1006% | 2,635 |
| Return on Equity (ROE) | 9.2317% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.2317% | 885 |
| Net charge-offs to loans | 0.3243% | 3,559 |
| Credit loss provision to net charge-offs | 45.0000% | 5,828 |
| Earnings coverage of net charge-offs (x) | 5.8500% | 2,745 |
| Efficiency ratio | 81.3099% | 2,840 |
| Assets per employee ($millions) | 2.4497% | 7,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,599 |
| Loan loss allowance to noncurrent loans | 28.7257% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 4,066 |
| Noncurrent loans to loans | 3.8293% | 1,782 |
| Net loans and leases to total assets | 37.5495% | 7,654 |
| Net loans and leases to deposits | 42.1116% | 7,754 |
| Net loans and leases to core deposits | 45.6743% | 7,841 |
| Total domestic deposits to total assets | 89.1666% | 1,185 |
| Equity capital to assets | 10.3812% | 3,535 |
| Core capital (leverage) ratio | 10.2709% | 3,021 |
| Tier 1 risk-based capital ratio | 18.3739% | 1,905 |
| Total risk-based capital ratio | 19.1191% | 1,992 |
| Memoranda: | ||
| Average total assets | $31,618,000 | 7,545 |
| Average earning assets | $30,497,670 | 7,456 |
| Average equity | $3,271,330 | 7,641 |
| Average total loans | $12,333,670 | 7,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 7,673 |
| Cost of funding earning assets | 1.0274% | 7,630 |
| Net interest margin | 3.5170% | 4,664 |
| Noninterest income to average assets | 0.3682% | 5,480 |
| Noninterest expense to average assets | 3.1615% | 3,145 |
| Loan and lease loss provision to assets | 0.0635% | 6,160 |
| Net operating income to assets | 0.4674% | 4,581 |
| Return on assets (ROA) | 0.8761% | 2,959 |
| Pretax return on assets | 1.0030% | 3,335 |
| Return on Equity (ROE) | 8.4819% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.4819% | 1,640 |
| Net charge-offs to loans | 0.6423% | 1,893 |
| Credit loss provision to net charge-offs | 25.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 3,554 |
| Efficiency ratio | 84.1216% | 2,292 |
| Assets per employee ($millions) | 2.7153% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,838 |
| Loan loss allowance to noncurrent loans | 27.8618% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 3,809 |
| Noncurrent loans to loans | 3.7490% | 1,654 |
| Net loans and leases to total assets | 37.5073% | 7,675 |
| Net loans and leases to deposits | 41.9893% | 7,784 |
| Net loans and leases to core deposits | 46.2339% | 7,863 |
| Total domestic deposits to total assets | 89.3257% | 1,086 |
| Equity capital to assets | 10.1372% | 3,842 |
| Core capital (leverage) ratio | 10.3552% | 3,061 |
| Tier 1 risk-based capital ratio | 17.9109% | 2,083 |
| Total risk-based capital ratio | 18.6334% | 2,164 |
| Memoranda: | ||
| Average total assets | $31,504,000 | 7,589 |
| Average earning assets | $30,366,500 | 7,499 |
| Average equity | $3,254,000 | 7,703 |
| Average total loans | $12,455,000 | 7,778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 7,570 |
| Cost of funding earning assets | 1.3628% | 7,787 |
| Net interest margin | 3.9644% | 3,290 |
| Noninterest income to average assets | 0.4488% | 5,046 |
| Noninterest expense to average assets | 3.0925% | 3,723 |
| Loan and lease loss provision to assets | 0.1212% | 5,810 |
| Net operating income to assets | 0.8764% | 3,108 |
| Return on assets (ROA) | 0.8878% | 2,892 |
| Pretax return on assets | 1.0221% | 3,303 |
| Return on Equity (ROE) | 9.0003% | 2,644 |
| Retained earnings to average equity (ytd only) | 9.0003% | 610 |
| Net charge-offs to loans | 0.0400% | 6,228 |
| Credit loss provision to net charge-offs | 740.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 592 |
| Efficiency ratio | 73.2351% | 3,704 |
| Assets per employee ($millions) | 2.7659% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 4,951 |
| Loan loss allowance to noncurrent loans | 78.2609% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 5,384 |
| Noncurrent loans to loans | 1.4650% | 3,599 |
| Net loans and leases to total assets | 40.8085% | 7,635 |
| Net loans and leases to deposits | 45.8578% | 7,785 |
| Net loans and leases to core deposits | 50.6403% | 7,875 |
| Total domestic deposits to total assets | 88.9893% | 1,046 |
| Equity capital to assets | 10.5341% | 3,461 |
| Core capital (leverage) ratio | 10.1380% | 3,326 |
| Tier 1 risk-based capital ratio | 17.8647% | 2,071 |
| Total risk-based capital ratio | 18.6868% | 2,141 |
| Memoranda: | ||
| Average total assets | $30,525,600 | 7,621 |
| Average earning assets | $29,058,400 | 7,561 |
| Average equity | $3,011,000 | 7,834 |
| Average total loans | $12,497,800 | 7,804 |