Home > The Republic Banking Company > Performance and Condition Ratios
The Republic Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 2,754 |
| Cost of funding earning assets | 0.7668% | 3,817 |
| Net interest margin | 3.8987% | 1,381 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.9921% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5803% | 889 |
| Return on assets (ROA) | 1.5803% | 860 |
| Pretax return on assets | 1.9011% | 771 |
| Return on Equity (ROE) | 10.0500% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.4944% | 1,709 |
| Net charge-offs to loans | 0.0178% | 2,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 148.8750% | 710 |
| Efficiency ratio | 51.1685% | 3,896 |
| Assets per employee ($millions) | 8.8644% | 1,031 |
| Cash dividends to net income (ytd only)* | 25.4545% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,343 |
| Loan loss allowance to noncurrent loans | 92.9054% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 523 |
| Noncurrent loans to loans | 1.2831% | 552 |
| Net loans and leases to total assets | 73.4700% | 1,421 |
| Net loans and leases to deposits | 88.3334% | 1,400 |
| Net loans and leases to core deposits | 100.0110% | 1,435 |
| Total domestic deposits to total assets | 83.1700% | 2,846 |
| Equity capital to assets | 16.6927% | 407 |
| Core capital (leverage) ratio | 16.2870% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $62,646,800 | 4,183 |
| Average earning assets | $60,507,800 | 4,130 |
| Average equity | $9,847,400 | 3,738 |
| Average total loans | $44,942,200 | 3,914 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 2,746 |
| Cost of funding earning assets | 0.7064% | 3,752 |
| Net interest margin | 3.8662% | 1,467 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.8727% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7113% | 779 |
| Return on assets (ROA) | 1.7113% | 767 |
| Pretax return on assets | 1.9852% | 763 |
| Return on Equity (ROE) | 11.0600% | 2,360 |
| Retained earnings to average equity (ytd only) | 7.5995% | 2,106 |
| Net charge-offs to loans | -0.0030% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.5416% | 4,012 |
| Assets per employee ($millions) | 10.4615% | 579 |
| Cash dividends to net income (ytd only)* | 31.2655% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,161 |
| Loan loss allowance to noncurrent loans | 182.6797% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 1,186 |
| Noncurrent loans to loans | 0.6796% | 1,218 |
| Net loans and leases to total assets | 70.8500% | 1,724 |
| Net loans and leases to deposits | 86.1655% | 1,552 |
| Net loans and leases to core deposits | 96.9056% | 1,510 |
| Total domestic deposits to total assets | 82.2200% | 3,172 |
| Equity capital to assets | 16.0668% | 444 |
| Core capital (leverage) ratio | 16.3082% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $62,795,750 | 4,198 |
| Average earning assets | $60,591,500 | 4,150 |
| Average equity | $9,719,750 | 3,753 |
| Average total loans | $44,643,250 | 3,930 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 2,741 |
| Cost of funding earning assets | 0.5589% | 3,860 |
| Net interest margin | 3.9022% | 1,427 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.8343% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7451% | 720 |
| Return on assets (ROA) | 1.7451% | 723 |
| Pretax return on assets | 2.0476% | 695 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 6.1680% | 2,558 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.2518% | 4,107 |
| Assets per employee ($millions) | 10.7027% | 549 |
| Cash dividends to net income (ytd only)* | 45.9854% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,220 |
| Loan loss allowance to noncurrent loans | 189.7959% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 1,172 |
| Noncurrent loans to loans | 0.6542% | 1,143 |
| Net loans and leases to total assets | 69.1200% | 1,836 |
| Net loans and leases to deposits | 86.0022% | 1,502 |
| Net loans and leases to core deposits | 96.5730% | 1,433 |
| Total domestic deposits to total assets | 80.3700% | 3,521 |
| Equity capital to assets | 15.2501% | 497 |
| Core capital (leverage) ratio | 15.7825% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $62,804,667 | 4,220 |
| Average earning assets | $60,478,333 | 4,171 |
| Average equity | $9,598,000 | 3,786 |
| Average total loans | $44,514,667 | 3,943 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 2,556 |
| Cost of funding earning assets | 0.4154% | 3,924 |
| Net interest margin | 3.9801% | 1,300 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.7907% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7392% | 764 |
| Return on assets (ROA) | 1.7392% | 754 |
| Pretax return on assets | 2.1321% | 629 |
| Return on Equity (ROE) | 11.3700% | 2,382 |
| Retained earnings to average equity (ytd only) | 0.7579% | 3,898 |
| Net charge-offs to loans | -0.0181% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.6486% | 4,239 |
| Assets per employee ($millions) | 10.3490% | 624 |
| Cash dividends to net income (ytd only)* | 93.3333% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,275 |
| Loan loss allowance to noncurrent loans | 56.5657% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 192 |
| Noncurrent loans to loans | 2.2154% | 236 |
| Net loans and leases to total assets | 71.0700% | 1,513 |
| Net loans and leases to deposits | 87.3995% | 1,261 |
| Net loans and leases to core deposits | 98.3200% | 1,161 |
| Total domestic deposits to total assets | 81.3100% | 3,587 |
| Equity capital to assets | 15.3702% | 449 |
| Core capital (leverage) ratio | 15.7986% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,099,000 | 4,290 |
| Average earning assets | $59,697,000 | 4,239 |
| Average equity | $9,500,500 | 3,841 |
| Average total loans | $44,301,000 | 3,994 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 1,487 |
| Cost of funding earning assets | 0.2917% | 2,950 |
| Net interest margin | 3.8027% | 1,157 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.9713% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4362% | 1,035 |
| Return on assets (ROA) | 1.4362% | 998 |
| Pretax return on assets | 1.7924% | 751 |
| Return on Equity (ROE) | 9.4800% | 2,976 |
| Retained earnings to average equity (ytd only) | 6.8591% | 2,298 |
| Net charge-offs to loans | -0.0279% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.3768% | 3,950 |
| Assets per employee ($millions) | 10.3507% | 603 |
| Cash dividends to net income (ytd only)* | 27.6817% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,038 |
| Loan loss allowance to noncurrent loans | 132.2275% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 719 |
| Noncurrent loans to loans | 0.9610% | 774 |
| Net loans and leases to total assets | 69.8100% | 1,656 |
| Net loans and leases to deposits | 82.5294% | 1,578 |
| Net loans and leases to core deposits | 91.3662% | 1,433 |
| Total domestic deposits to total assets | 84.5900% | 3,086 |
| Equity capital to assets | 15.2277% | 451 |
| Core capital (leverage) ratio | 15.5302% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $60,366,800 | 4,333 |
| Average earning assets | $57,590,400 | 4,292 |
| Average equity | $9,141,200 | 3,977 |
| Average total loans | $43,031,600 | 4,008 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 1,218 |
| Cost of funding earning assets | 0.2867% | 2,312 |
| Net interest margin | 3.7392% | 1,055 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.8843% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4260% | 1,019 |
| Return on assets (ROA) | 1.4260% | 988 |
| Pretax return on assets | 1.8242% | 694 |
| Return on Equity (ROE) | 9.4300% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.8998% | 2,783 |
| Net charge-offs to loans | -0.0280% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.8098% | 4,113 |
| Assets per employee ($millions) | 8.7387% | 985 |
| Cash dividends to net income (ytd only)* | 37.4415% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 2,223 |
| Loan loss allowance to noncurrent loans | 624.7191% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,588 |
| Noncurrent loans to loans | 0.2015% | 2,598 |
| Net loans and leases to total assets | 71.3000% | 1,364 |
| Net loans and leases to deposits | 84.1274% | 1,288 |
| Net loans and leases to core deposits | 94.2599% | 1,077 |
| Total domestic deposits to total assets | 84.7500% | 3,342 |
| Equity capital to assets | 15.0627% | 449 |
| Core capital (leverage) ratio | 15.5868% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $59,932,500 | 4,374 |
| Average earning assets | $57,194,250 | 4,329 |
| Average equity | $9,062,250 | 4,031 |
| Average total loans | $42,811,000 | 4,038 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 997 |
| Cost of funding earning assets | 0.2857% | 1,843 |
| Net interest margin | 3.6786% | 947 |
| Noninterest income to average assets | 0.1411% | 4,310 |
| Noninterest expense to average assets | 1.8580% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3574% | 1,006 |
| Return on assets (ROA) | 1.3574% | 985 |
| Pretax return on assets | 1.7875% | 620 |
| Return on Equity (ROE) | 8.9898% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.6493% | 3,219 |
| Net charge-offs to loans | -0.0567% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9677% | 4,191 |
| Assets per employee ($millions) | 8.5113% | 1,063 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,149 |
| Loan loss allowance to noncurrent loans | 588.4211% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,589 |
| Noncurrent loans to loans | 0.2225% | 2,611 |
| Net loans and leases to total assets | 70.7162% | 1,231 |
| Net loans and leases to deposits | 83.5770% | 1,150 |
| Net loans and leases to core deposits | 93.9105% | 920 |
| Total domestic deposits to total assets | 84.6120% | 3,567 |
| Equity capital to assets | 15.1563% | 388 |
| Core capital (leverage) ratio | 14.8626% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,525,667 | 4,417 |
| Average earning assets | $56,706,667 | 4,390 |
| Average equity | $8,988,000 | 4,105 |
| Average total loans | $42,357,667 | 4,097 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 907 |
| Cost of funding earning assets | 0.2856% | 1,772 |
| Net interest margin | 3.6269% | 858 |
| Noninterest income to average assets | 0.1277% | 4,370 |
| Noninterest expense to average assets | 1.8622% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1630% | 1,348 |
| Return on assets (ROA) | 1.1630% | 1,344 |
| Pretax return on assets | 1.6807% | 709 |
| Return on Equity (ROE) | 7.7172% | 2,796 |
| Retained earnings to average equity (ytd only) | -2.9887% | 4,311 |
| Net charge-offs to loans | -0.1043% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5617% | 4,154 |
| Assets per employee ($millions) | 8.5069% | 1,114 |
| Cash dividends to net income (ytd only)* | 138.7283% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,221 |
| Loan loss allowance to noncurrent loans | 930.0000% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 3,106 |
| Noncurrent loans to loans | 0.1429% | 3,094 |
| Net loans and leases to total assets | 69.5724% | 1,057 |
| Net loans and leases to deposits | 81.9873% | 1,014 |
| Net loans and leases to core deposits | 92.0399% | 811 |
| Total domestic deposits to total assets | 84.8576% | 3,569 |
| Equity capital to assets | 14.8099% | 416 |
| Core capital (leverage) ratio | 14.3594% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,499,000 | 4,446 |
| Average earning assets | $56,026,000 | 4,422 |
| Average equity | $8,967,000 | 4,163 |
| Average total loans | $42,191,000 | 4,119 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 805 |
| Cost of funding earning assets | 0.3253% | 2,162 |
| Net interest margin | 4.0078% | 700 |
| Noninterest income to average assets | 0.1335% | 4,474 |
| Noninterest expense to average assets | 2.1171% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4284% | 1,186 |
| Return on assets (ROA) | 1.4284% | 1,256 |
| Pretax return on assets | 1.8693% | 788 |
| Return on Equity (ROE) | 9.1802% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.4702% | 2,147 |
| Net charge-offs to loans | 0.0788% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 31.2941% | 1,581 |
| Efficiency ratio | 53.1071% | 4,020 |
| Assets per employee ($millions) | 9.9083% | 682 |
| Cash dividends to net income (ytd only)* | 29.5203% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,407 |
| Loan loss allowance to noncurrent loans | 6,077.7778% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,985 |
| Noncurrent loans to loans | 0.0212% | 3,916 |
| Net loans and leases to total assets | 70.3919% | 996 |
| Net loans and leases to deposits | 83.3012% | 963 |
| Net loans and leases to core deposits | 93.4587% | 809 |
| Total domestic deposits to total assets | 84.5029% | 3,421 |
| Equity capital to assets | 15.3322% | 453 |
| Core capital (leverage) ratio | 15.1786% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,918,800 | 4,492 |
| Average earning assets | $54,718,600 | 4,455 |
| Average equity | $8,856,000 | 4,256 |
| Average total loans | $43,168,400 | 4,125 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 716 |
| Cost of funding earning assets | 0.3349% | 2,252 |
| Net interest margin | 4.1300% | 616 |
| Noninterest income to average assets | 0.1327% | 4,534 |
| Noninterest expense to average assets | 2.0798% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6084% | 1,015 |
| Return on assets (ROA) | 1.6084% | 1,056 |
| Pretax return on assets | 2.0253% | 763 |
| Return on Equity (ROE) | 10.2979% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.6580% | 2,552 |
| Net charge-offs to loans | 0.0523% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 50.2941% | 1,237 |
| Efficiency ratio | 50.6636% | 4,154 |
| Assets per employee ($millions) | 8.0859% | 1,236 |
| Cash dividends to net income (ytd only)* | 35.3461% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,421 |
| Loan loss allowance to noncurrent loans | 569.6970% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,950 |
| Noncurrent loans to loans | 0.2305% | 3,017 |
| Net loans and leases to total assets | 74.8750% | 622 |
| Net loans and leases to deposits | 89.2173% | 645 |
| Net loans and leases to core deposits | 100.9240% | 557 |
| Total domestic deposits to total assets | 83.9243% | 3,477 |
| Equity capital to assets | 15.9697% | 418 |
| Core capital (leverage) ratio | 15.8194% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,286,000 | 4,552 |
| Average earning assets | $54,138,750 | 4,516 |
| Average equity | $8,791,250 | 4,320 |
| Average total loans | $43,361,750 | 4,178 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 605 |
| Cost of funding earning assets | 0.3406% | 2,399 |
| Net interest margin | 4.2792% | 509 |
| Noninterest income to average assets | 0.1282% | 4,564 |
| Noninterest expense to average assets | 2.1075% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7337% | 823 |
| Return on assets (ROA) | 1.7337% | 871 |
| Pretax return on assets | 2.1360% | 645 |
| Return on Equity (ROE) | 11.1843% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.6725% | 2,931 |
| Net charge-offs to loans | 0.0092% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 373 |
| Efficiency ratio | 49.6644% | 4,260 |
| Assets per employee ($millions) | 8.1086% | 1,160 |
| Cash dividends to net income (ytd only)* | 49.2813% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 2,225 |
| Loan loss allowance to noncurrent loans | 4,453.8462% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,112 |
| Noncurrent loans to loans | 0.0302% | 4,054 |
| Net loans and leases to total assets | 74.8996% | 687 |
| Net loans and leases to deposits | 88.8223% | 726 |
| Net loans and leases to core deposits | 100.3162% | 651 |
| Total domestic deposits to total assets | 84.3252% | 3,336 |
| Equity capital to assets | 15.5990% | 457 |
| Core capital (leverage) ratio | 15.3508% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,181,000 | 4,583 |
| Average earning assets | $54,028,333 | 4,546 |
| Average equity | $8,708,667 | 4,352 |
| Average total loans | $43,501,000 | 4,207 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 533 |
| Cost of funding earning assets | 0.3426% | 2,591 |
| Net interest margin | 4.4016% | 426 |
| Noninterest income to average assets | 0.1217% | 4,584 |
| Noninterest expense to average assets | 2.0325% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9395% | 619 |
| Return on assets (ROA) | 1.9395% | 666 |
| Pretax return on assets | 2.3188% | 572 |
| Return on Equity (ROE) | 12.5521% | 1,813 |
| Retained earnings to average equity (ytd only) | 1.4358% | 4,135 |
| Net charge-offs to loans | -0.0092% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7105% | 4,426 |
| Assets per employee ($millions) | 8.1910% | 1,108 |
| Cash dividends to net income (ytd only)* | 88.5609% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,248 |
| Loan loss allowance to noncurrent loans | 144.4169% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 1,334 |
| Noncurrent loans to loans | 0.9285% | 1,457 |
| Net loans and leases to total assets | 74.6848% | 749 |
| Net loans and leases to deposits | 88.0984% | 821 |
| Net loans and leases to core deposits | 99.2445% | 746 |
| Total domestic deposits to total assets | 84.7742% | 3,195 |
| Equity capital to assets | 15.0740% | 484 |
| Core capital (leverage) ratio | 15.3890% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,891,500 | 4,608 |
| Average earning assets | $53,707,500 | 4,568 |
| Average equity | $8,636,000 | 4,370 |
| Average total loans | $43,705,500 | 4,218 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 622 |
| Cost of funding earning assets | 0.5111% | 2,877 |
| Net interest margin | 4.3682% | 436 |
| Noninterest income to average assets | 0.1204% | 4,667 |
| Noninterest expense to average assets | 2.0875% | 3,958 |
| Loan and lease loss provision to assets | 0.1434% | 2,565 |
| Net operating income to assets | 1.6421% | 584 |
| Return on assets (ROA) | 1.6421% | 628 |
| Pretax return on assets | 2.0722% | 389 |
| Return on Equity (ROE) | 10.4820% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.4820% | 498 |
| Net charge-offs to loans | -0.0023% | 3,999 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5118% | 4,611 |
| Assets per employee ($millions) | 9.0743% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.7598% | 447 |
| Net loans and leases to deposits | 94.9742% | 603 |
| Net loans and leases to core deposits | 107.7862% | 579 |
| Total domestic deposits to total assets | 83.9805% | 3,114 |
| Equity capital to assets | 15.8487% | 446 |
| Core capital (leverage) ratio | 16.3959% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,311,200 | 4,625 |
| Average earning assets | $50,089,200 | 4,583 |
| Average equity | $8,195,000 | 4,399 |
| Average total loans | $44,108,600 | 4,225 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 644 |
| Cost of funding earning assets | 0.5411% | 2,984 |
| Net interest margin | 4.4231% | 451 |
| Noninterest income to average assets | 0.1674% | 4,463 |
| Noninterest expense to average assets | 1.9545% | 4,247 |
| Loan and lease loss provision to assets | 0.1951% | 2,025 |
| Net operating income to assets | 1.7330% | 533 |
| Return on assets (ROA) | 1.7330% | 595 |
| Pretax return on assets | 2.2480% | 311 |
| Return on Equity (ROE) | 11.0964% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.0964% | 555 |
| Net charge-offs to loans | -0.0091% | 4,205 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4379% | 4,774 |
| Assets per employee ($millions) | 8.8267% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,188 |
| Loan loss allowance to noncurrent loans | 577.2277% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 3,478 |
| Noncurrent loans to loans | 0.2239% | 3,498 |
| Net loans and leases to total assets | 84.0785% | 270 |
| Net loans and leases to deposits | 101.9998% | 455 |
| Net loans and leases to core deposits | 112.3253% | 619 |
| Total domestic deposits to total assets | 82.4301% | 3,305 |
| Equity capital to assets | 15.9517% | 471 |
| Core capital (leverage) ratio | 16.2773% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,777,500 | 4,649 |
| Average earning assets | $49,526,750 | 4,617 |
| Average equity | $8,086,500 | 4,430 |
| Average total loans | $44,134,000 | 4,251 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 860 |
| Cost of funding earning assets | 0.5569% | 3,198 |
| Net interest margin | 4.4227% | 593 |
| Noninterest income to average assets | 0.1713% | 4,437 |
| Noninterest expense to average assets | 2.0318% | 4,165 |
| Loan and lease loss provision to assets | 0.2919% | 1,473 |
| Net operating income to assets | 1.5219% | 887 |
| Return on assets (ROA) | 1.5219% | 963 |
| Pretax return on assets | 2.0824% | 464 |
| Return on Equity (ROE) | 9.8167% | 2,042 |
| Retained earnings to average equity (ytd only) | 9.8167% | 821 |
| Net charge-offs to loans | -0.0274% | 4,505 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.3498% | 5,043 |
| Assets per employee ($millions) | 8.8497% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 1,914 |
| Loan loss allowance to noncurrent loans | 66.5529% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 518 |
| Noncurrent loans to loans | 1.9810% | 689 |
| Net loans and leases to total assets | 82.4626% | 377 |
| Net loans and leases to deposits | 103.7337% | 388 |
| Net loans and leases to core deposits | 114.5631% | 581 |
| Total domestic deposits to total assets | 79.4945% | 3,943 |
| Equity capital to assets | 15.3923% | 556 |
| Core capital (leverage) ratio | 15.6283% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5024% | 1,132 |
| Memoranda: | ||
| Average total assets | $51,383,333 | 4,670 |
| Average earning assets | $49,201,000 | 4,634 |
| Average equity | $7,966,000 | 4,459 |
| Average total loans | $43,808,333 | 4,271 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,114 |
| Cost of funding earning assets | 0.5812% | 3,523 |
| Net interest margin | 4.3508% | 692 |
| Noninterest income to average assets | 0.1821% | 4,455 |
| Noninterest expense to average assets | 2.0188% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6150% | 608 |
| Return on assets (ROA) | 1.6150% | 670 |
| Pretax return on assets | 2.3117% | 230 |
| Return on Equity (ROE) | 10.3784% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.3784% | 668 |
| Net charge-offs to loans | -0.0276% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6179% | 4,812 |
| Assets per employee ($millions) | 8.3387% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,891 |
| Loan loss allowance to noncurrent loans | 31.6906% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 3.3319% | 158 |
| Noncurrent loans to loans | 3.6547% | 243 |
| Net loans and leases to total assets | 86.6505% | 108 |
| Net loans and leases to deposits | 110.0525% | 188 |
| Net loans and leases to core deposits | 122.3728% | 405 |
| Total domestic deposits to total assets | 78.7356% | 4,099 |
| Equity capital to assets | 15.9598% | 590 |
| Core capital (leverage) ratio | 15.8347% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2617% | 546 |
| Memoranda: | ||
| Average total assets | $50,526,000 | 4,704 |
| Average earning assets | $48,175,000 | 4,675 |
| Average equity | $7,862,500 | 4,498 |
| Average total loans | $43,527,000 | 4,288 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,750 |
| Cost of funding earning assets | 0.5277% | 3,978 |
| Net interest margin | 4.3706% | 948 |
| Noninterest income to average assets | 0.1727% | 4,628 |
| Noninterest expense to average assets | 2.1954% | 4,171 |
| Loan and lease loss provision to assets | 0.0432% | 3,144 |
| Net operating income to assets | 1.6671% | 716 |
| Return on assets (ROA) | 1.6671% | 760 |
| Pretax return on assets | 2.0885% | 492 |
| Return on Equity (ROE) | 10.7617% | 1,984 |
| Retained earnings to average equity (ytd only) | 7.5770% | 1,132 |
| Net charge-offs to loans | 0.0144% | 3,189 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 172.8333% | 440 |
| Efficiency ratio | 50.7363% | 4,690 |
| Assets per employee ($millions) | 8.5033% | 591 |
| Cash dividends to net income (ytd only)* | 29.5931% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,592 |
| Loan loss allowance to noncurrent loans | 34.1909% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.8949% | 191 |
| Noncurrent loans to loans | 3.4195% | 243 |
| Net loans and leases to total assets | 83.6691% | 350 |
| Net loans and leases to deposits | 105.5876% | 314 |
| Net loans and leases to core deposits | 116.9951% | 563 |
| Total domestic deposits to total assets | 79.2415% | 4,136 |
| Equity capital to assets | 15.1705% | 758 |
| Core capital (leverage) ratio | 15.1771% | 652 |
| Tier 1 risk-based capital ratio | 21.4389% | 1,092 |
| Total risk-based capital ratio | 22.6897% | 1,072 |
| Memoranda: | ||
| Average total assets | $48,647,800 | 4,772 |
| Average earning assets | $46,240,800 | 4,747 |
| Average equity | $7,536,000 | 4,568 |
| Average total loans | $41,577,000 | 4,374 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,883 |
| Cost of funding earning assets | 0.5149% | 4,084 |
| Net interest margin | 4.3621% | 1,029 |
| Noninterest income to average assets | 0.1692% | 4,704 |
| Noninterest expense to average assets | 2.0421% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9172% | 472 |
| Return on assets (ROA) | 1.9172% | 493 |
| Pretax return on assets | 2.2640% | 401 |
| Return on Equity (ROE) | 12.3088% | 1,508 |
| Retained earnings to average equity (ytd only) | 12.3088% | 346 |
| Net charge-offs to loans | -0.0032% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4227% | 4,884 |
| Assets per employee ($millions) | 8.1330% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,743 |
| Loan loss allowance to noncurrent loans | 38.8933% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5923% | 251 |
| Noncurrent loans to loans | 2.9725% | 335 |
| Net loans and leases to total assets | 86.2023% | 179 |
| Net loans and leases to deposits | 109.6671% | 228 |
| Net loans and leases to core deposits | 121.6525% | 481 |
| Total domestic deposits to total assets | 78.6036% | 4,249 |
| Equity capital to assets | 16.1011% | 615 |
| Core capital (leverage) ratio | 16.2465% | 530 |
| Tier 1 risk-based capital ratio | 23.1899% | 925 |
| Total risk-based capital ratio | 24.4454% | 909 |
| Memoranda: | ||
| Average total assets | $48,054,750 | 4,851 |
| Average earning assets | $45,573,750 | 4,822 |
| Average equity | $7,485,000 | 4,629 |
| Average total loans | $41,173,000 | 4,437 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 2,033 |
| Cost of funding earning assets | 0.5299% | 3,988 |
| Net interest margin | 4.2788% | 1,187 |
| Noninterest income to average assets | 0.1715% | 4,726 |
| Noninterest expense to average assets | 2.0876% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8491% | 539 |
| Return on assets (ROA) | 1.8491% | 562 |
| Pretax return on assets | 2.1378% | 509 |
| Return on Equity (ROE) | 12.0092% | 1,574 |
| Retained earnings to average equity (ytd only) | 12.0092% | 405 |
| Net charge-offs to loans | 0.0049% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 511.0000% | 147 |
| Efficiency ratio | 49.4059% | 4,817 |
| Assets per employee ($millions) | 7.9043% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,564 |
| Loan loss allowance to noncurrent loans | 41.4201% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.4944% | 300 |
| Noncurrent loans to loans | 2.8814% | 365 |
| Net loans and leases to total assets | 85.5354% | 249 |
| Net loans and leases to deposits | 106.0272% | 340 |
| Net loans and leases to core deposits | 120.1849% | 543 |
| Total domestic deposits to total assets | 80.6730% | 3,898 |
| Equity capital to assets | 16.0418% | 615 |
| Core capital (leverage) ratio | 16.0542% | 536 |
| Tier 1 risk-based capital ratio | 22.4536% | 1,002 |
| Total risk-based capital ratio | 23.7091% | 981 |
| Memoranda: | ||
| Average total assets | $47,807,000 | 4,893 |
| Average earning assets | $45,293,000 | 4,866 |
| Average equity | $7,361,000 | 4,672 |
| Average total loans | $40,711,670 | 4,480 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 2,300 |
| Cost of funding earning assets | 0.5187% | 3,981 |
| Net interest margin | 4.1582% | 1,407 |
| Noninterest income to average assets | 0.1750% | 4,693 |
| Noninterest expense to average assets | 2.0584% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8334% | 526 |
| Return on assets (ROA) | 1.8334% | 540 |
| Pretax return on assets | 2.0584% | 576 |
| Return on Equity (ROE) | 12.1589% | 1,479 |
| Retained earnings to average equity (ytd only) | 12.1589% | 586 |
| Net charge-offs to loans | -0.0099% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 4,825 |
| Assets per employee ($millions) | 6.8827% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,537 |
| Loan loss allowance to noncurrent loans | 35.4932% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.8830% | 221 |
| Noncurrent loans to loans | 3.4011% | 276 |
| Net loans and leases to total assets | 83.7440% | 394 |
| Net loans and leases to deposits | 103.3690% | 424 |
| Net loans and leases to core deposits | 116.7887% | 623 |
| Total domestic deposits to total assets | 81.0145% | 3,964 |
| Equity capital to assets | 15.2432% | 702 |
| Core capital (leverage) ratio | 15.4021% | 618 |
| Tier 1 risk-based capital ratio | 21.9046% | 1,063 |
| Total risk-based capital ratio | 23.1603% | 1,036 |
| Memoranda: | ||
| Average total assets | $47,997,500 | 4,936 |
| Average earning assets | $45,500,000 | 4,911 |
| Average equity | $7,237,500 | 4,724 |
| Average total loans | $40,539,500 | 4,523 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 2,209 |
| Cost of funding earning assets | 0.4681% | 3,562 |
| Net interest margin | 4.1081% | 1,656 |
| Noninterest income to average assets | 0.1690% | 4,882 |
| Noninterest expense to average assets | 2.2131% | 4,309 |
| Loan and lease loss provision to assets | 0.3091% | 521 |
| Net operating income to assets | 1.1436% | 2,417 |
| Return on assets (ROA) | 1.1436% | 2,418 |
| Pretax return on assets | 1.5166% | 1,728 |
| Return on Equity (ROE) | 7.8681% | 3,492 |
| Retained earnings to average equity (ytd only) | 4.9760% | 2,774 |
| Net charge-offs to loans | 0.0696% | 2,123 |
| Credit loss provision to net charge-offs | 535.7143% | 652 |
| Earnings coverage of net charge-offs (x) | 31.6429% | 1,537 |
| Efficiency ratio | 54.7959% | 4,547 |
| Assets per employee ($millions) | 7.9693% | 662 |
| Cash dividends to net income (ytd only)* | 36.7568% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,481 |
| Loan loss allowance to noncurrent loans | 33.0189% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 3.1036% | 191 |
| Noncurrent loans to loans | 3.6880% | 223 |
| Net loans and leases to total assets | 83.1291% | 505 |
| Net loans and leases to deposits | 103.4026% | 517 |
| Net loans and leases to core deposits | 117.8831% | 623 |
| Total domestic deposits to total assets | 80.3936% | 4,013 |
| Equity capital to assets | 14.9134% | 728 |
| Core capital (leverage) ratio | 14.8896% | 718 |
| Tier 1 risk-based capital ratio | 26.8242% | 622 |
| Total risk-based capital ratio | 28.0829% | 615 |
| Memoranda: | ||
| Average total assets | $48,529,600 | 4,961 |
| Average earning assets | $45,714,800 | 4,940 |
| Average equity | $7,053,800 | 4,740 |
| Average total loans | $40,231,000 | 4,547 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 2,062 |
| Cost of funding earning assets | 0.4681% | 3,405 |
| Net interest margin | 4.1056% | 1,607 |
| Noninterest income to average assets | 0.1697% | 4,940 |
| Noninterest expense to average assets | 1.9873% | 4,764 |
| Loan and lease loss provision to assets | 0.2053% | 829 |
| Net operating income to assets | 1.4946% | 1,209 |
| Return on assets (ROA) | 1.4946% | 1,206 |
| Pretax return on assets | 1.8422% | 924 |
| Return on Equity (ROE) | 10.3487% | 2,459 |
| Retained earnings to average equity (ytd only) | 10.3487% | 812 |
| Net charge-offs to loans | 0.0232% | 2,673 |
| Credit loss provision to net charge-offs | 1,071.4286% | 394 |
| Earnings coverage of net charge-offs (x) | 106.8928% | 714 |
| Efficiency ratio | 49.2537% | 4,983 |
| Assets per employee ($millions) | 7.9282% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,224 |
| Loan loss allowance to noncurrent loans | 29.7887% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.0839% | 227 |
| Noncurrent loans to loans | 3.6772% | 251 |
| Net loans and leases to total assets | 82.9490% | 570 |
| Net loans and leases to deposits | 103.1905% | 592 |
| Net loans and leases to core deposits | 118.6279% | 621 |
| Total domestic deposits to total assets | 80.3843% | 4,022 |
| Equity capital to assets | 15.3524% | 651 |
| Core capital (leverage) ratio | 15.2465% | 644 |
| Tier 1 risk-based capital ratio | 22.5534% | 985 |
| Total risk-based capital ratio | 23.8047% | 962 |
| Memoranda: | ||
| Average total assets | $48,708,000 | 5,015 |
| Average earning assets | $45,854,500 | 4,989 |
| Average equity | $7,034,500 | 4,788 |
| Average total loans | $40,229,000 | 4,592 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 2,136 |
| Cost of funding earning assets | 0.4550% | 3,320 |
| Net interest margin | 4.0303% | 1,760 |
| Noninterest income to average assets | 0.1752% | 4,944 |
| Noninterest expense to average assets | 2.0372% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6909% | 734 |
| Return on assets (ROA) | 1.6909% | 741 |
| Pretax return on assets | 1.9272% | 722 |
| Return on Equity (ROE) | 11.9510% | 1,744 |
| Retained earnings to average equity (ytd only) | 11.9510% | 525 |
| Net charge-offs to loans | -0.0149% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3875% | 4,942 |
| Assets per employee ($millions) | 6.9719% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,226 |
| Loan loss allowance to noncurrent loans | 28.3105% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.6925% | 304 |
| Noncurrent loans to loans | 3.2637% | 320 |
| Net loans and leases to total assets | 81.7347% | 738 |
| Net loans and leases to deposits | 102.6057% | 616 |
| Net loans and leases to core deposits | 117.7709% | 638 |
| Total domestic deposits to total assets | 79.6590% | 4,319 |
| Equity capital to assets | 14.6692% | 767 |
| Core capital (leverage) ratio | 15.6625% | 545 |
| Tier 1 risk-based capital ratio | 21.7984% | 1,067 |
| Total risk-based capital ratio | 22.9149% | 1,054 |
| Memoranda: | ||
| Average total assets | $49,087,670 | 5,063 |
| Average earning assets | $46,150,330 | 5,039 |
| Average equity | $6,945,000 | 4,852 |
| Average total loans | $40,340,330 | 4,631 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,229 |
| Cost of funding earning assets | 0.4330% | 3,350 |
| Net interest margin | 3.9575% | 1,851 |
| Noninterest income to average assets | 0.1788% | 4,955 |
| Noninterest expense to average assets | 2.2507% | 4,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3000% | 1,640 |
| Return on assets (ROA) | 1.3000% | 1,644 |
| Pretax return on assets | 1.6413% | 1,267 |
| Return on Equity (ROE) | 9.3595% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.3595% | 1,343 |
| Net charge-offs to loans | -0.0099% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8288% | 4,366 |
| Assets per employee ($millions) | 7.0229% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,382 |
| Loan loss allowance to noncurrent loans | 36.0273% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.0891% | 528 |
| Noncurrent loans to loans | 2.5371% | 531 |
| Net loans and leases to total assets | 81.5887% | 714 |
| Net loans and leases to deposits | 103.2805% | 519 |
| Net loans and leases to core deposits | 118.7746% | 622 |
| Total domestic deposits to total assets | 78.9972% | 4,580 |
| Equity capital to assets | 14.0561% | 880 |
| Core capital (leverage) ratio | 14.8056% | 686 |
| Tier 1 risk-based capital ratio | 21.0087% | 1,206 |
| Total risk-based capital ratio | 22.1241% | 1,194 |
| Memoranda: | ||
| Average total assets | $49,230,000 | 5,122 |
| Average earning assets | $46,190,500 | 5,093 |
| Average equity | $6,838,000 | 4,921 |
| Average total loans | $40,380,000 | 4,681 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,570 |
| Cost of funding earning assets | 0.4142% | 3,108 |
| Net interest margin | 3.8187% | 2,359 |
| Noninterest income to average assets | 0.1663% | 5,128 |
| Noninterest expense to average assets | 2.0550% | 4,869 |
| Loan and lease loss provision to assets | 0.2337% | 825 |
| Net operating income to assets | 1.0023% | 2,228 |
| Return on assets (ROA) | 1.0023% | 2,267 |
| Pretax return on assets | 1.4886% | 1,688 |
| Return on Equity (ROE) | 7.0863% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.4066% | 2,515 |
| Net charge-offs to loans | 0.0667% | 2,514 |
| Credit loss provision to net charge-offs | 426.9231% | 727 |
| Earnings coverage of net charge-offs (x) | 31.4615% | 1,502 |
| Efficiency ratio | 54.4036% | 4,919 |
| Assets per employee ($millions) | 7.0429% | 953 |
| Cash dividends to net income (ytd only)* | 37.8151% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,388 |
| Loan loss allowance to noncurrent loans | 34.4216% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.1744% | 487 |
| Noncurrent loans to loans | 2.6613% | 478 |
| Net loans and leases to total assets | 80.9574% | 840 |
| Net loans and leases to deposits | 100.4353% | 698 |
| Net loans and leases to core deposits | 115.1762% | 751 |
| Total domestic deposits to total assets | 80.6065% | 4,217 |
| Equity capital to assets | 13.7241% | 981 |
| Core capital (leverage) ratio | 13.7411% | 901 |
| Tier 1 risk-based capital ratio | 20.5660% | 1,215 |
| Total risk-based capital ratio | 21.6806% | 1,214 |
| Memoranda: | ||
| Average total assets | $47,493,000 | 5,202 |
| Average earning assets | $44,910,800 | 5,174 |
| Average equity | $6,717,200 | 4,991 |
| Average total loans | $38,994,200 | 4,757 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 2,738 |
| Cost of funding earning assets | 0.4083% | 3,107 |
| Net interest margin | 3.7557% | 2,556 |
| Noninterest income to average assets | 0.1644% | 5,196 |
| Noninterest expense to average assets | 1.9443% | 5,053 |
| Loan and lease loss provision to assets | 0.0283% | 3,564 |
| Net operating income to assets | 1.3094% | 1,298 |
| Return on assets (ROA) | 1.3094% | 1,337 |
| Pretax return on assets | 1.7374% | 1,030 |
| Return on Equity (ROE) | 9.1869% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.1869% | 790 |
| Net charge-offs to loans | 0.0897% | 1,903 |
| Credit loss provision to net charge-offs | 38.4615% | 3,005 |
| Earnings coverage of net charge-offs (x) | 23.9588% | 1,790 |
| Efficiency ratio | 52.4064% | 5,067 |
| Assets per employee ($millions) | 6.8997% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 5,203 |
| Loan loss allowance to noncurrent loans | 27.5154% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 2.0581% | 616 |
| Noncurrent loans to loans | 2.4391% | 635 |
| Net loans and leases to total assets | 82.1235% | 665 |
| Net loans and leases to deposits | 102.3033% | 594 |
| Net loans and leases to core deposits | 116.8410% | 713 |
| Total domestic deposits to total assets | 80.2745% | 4,262 |
| Equity capital to assets | 14.3919% | 887 |
| Core capital (leverage) ratio | 14.6369% | 734 |
| Tier 1 risk-based capital ratio | 21.2163% | 1,163 |
| Total risk-based capital ratio | 22.0324% | 1,205 |
| Memoranda: | ||
| Average total assets | $47,041,250 | 5,267 |
| Average earning assets | $44,411,500 | 5,238 |
| Average equity | $6,705,000 | 5,050 |
| Average total loans | $38,672,500 | 4,817 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,058 |
| Cost of funding earning assets | 0.3888% | 3,193 |
| Net interest margin | 3.9334% | 1,832 |
| Noninterest income to average assets | 0.1587% | 5,256 |
| Noninterest expense to average assets | 1.9726% | 5,030 |
| Loan and lease loss provision to assets | 0.0429% | 3,140 |
| Net operating income to assets | 1.4108% | 1,041 |
| Return on assets (ROA) | 1.4108% | 1,069 |
| Pretax return on assets | 1.8740% | 699 |
| Return on Equity (ROE) | 9.9101% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.9101% | 602 |
| Net charge-offs to loans | 0.0732% | 1,890 |
| Credit loss provision to net charge-offs | 71.4286% | 2,364 |
| Earnings coverage of net charge-offs (x) | 31.9286% | 1,423 |
| Efficiency ratio | 50.7166% | 5,261 |
| Assets per employee ($millions) | 8.0378% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 5,169 |
| Loan loss allowance to noncurrent loans | 24.8447% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.3783% | 479 |
| Noncurrent loans to loans | 2.8876% | 461 |
| Net loans and leases to total assets | 80.3471% | 896 |
| Net loans and leases to deposits | 101.0747% | 670 |
| Net loans and leases to core deposits | 115.7550% | 724 |
| Total domestic deposits to total assets | 79.4928% | 4,515 |
| Equity capital to assets | 14.1269% | 928 |
| Core capital (leverage) ratio | 14.4535% | 754 |
| Tier 1 risk-based capital ratio | 21.1096% | 1,162 |
| Total risk-based capital ratio | 21.9736% | 1,212 |
| Memoranda: | ||
| Average total assets | $46,639,000 | 5,319 |
| Average earning assets | $44,237,000 | 5,285 |
| Average equity | $6,639,670 | 5,086 |
| Average total loans | $38,252,670 | 4,865 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,000 |
| Cost of funding earning assets | 0.3845% | 3,151 |
| Net interest margin | 3.8996% | 1,780 |
| Noninterest income to average assets | 0.1658% | 5,281 |
| Noninterest expense to average assets | 2.1115% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3000% | 1,241 |
| Return on assets (ROA) | 1.3000% | 1,276 |
| Pretax return on assets | 1.7712% | 857 |
| Return on Equity (ROE) | 9.0951% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.0951% | 1,046 |
| Net charge-offs to loans | 0.1796% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 11.9412% | 1,863 |
| Efficiency ratio | 54.3820% | 5,091 |
| Assets per employee ($millions) | 6.5761% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 5,306 |
| Loan loss allowance to noncurrent loans | 30.6897% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9334% | 695 |
| Noncurrent loans to loans | 2.2830% | 728 |
| Net loans and leases to total assets | 82.2019% | 545 |
| Net loans and leases to deposits | 101.5621% | 516 |
| Net loans and leases to core deposits | 115.9420% | 596 |
| Total domestic deposits to total assets | 80.9376% | 4,425 |
| Equity capital to assets | 14.4049% | 786 |
| Core capital (leverage) ratio | 14.4221% | 737 |
| Tier 1 risk-based capital ratio | 31.8201% | 419 |
| Total risk-based capital ratio | 33.0678% | 413 |
| Memoranda: | ||
| Average total assets | $45,845,000 | 5,390 |
| Average earning assets | $43,697,000 | 5,354 |
| Average equity | $6,553,000 | 5,147 |
| Average total loans | $37,864,500 | 4,923 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 1,727 |
| Cost of funding earning assets | 0.3919% | 3,077 |
| Net interest margin | 4.0439% | 1,512 |
| Noninterest income to average assets | 0.1524% | 5,446 |
| Noninterest expense to average assets | 2.3217% | 4,505 |
| Loan and lease loss provision to assets | 0.1480% | 1,682 |
| Net operating income to assets | 0.9919% | 2,385 |
| Return on assets (ROA) | 0.9919% | 2,490 |
| Pretax return on assets | 1.4889% | 1,618 |
| Return on Equity (ROE) | 6.9119% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.9119% | 1,268 |
| Net charge-offs to loans | 0.1417% | 1,846 |
| Credit loss provision to net charge-offs | 126.4151% | 2,113 |
| Earnings coverage of net charge-offs (x) | 13.9811% | 2,327 |
| Efficiency ratio | 58.6496% | 4,767 |
| Assets per employee ($millions) | 6.5224% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,226 |
| Loan loss allowance to noncurrent loans | 35.4115% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 820 |
| Noncurrent loans to loans | 2.1317% | 812 |
| Net loans and leases to total assets | 81.7794% | 633 |
| Net loans and leases to deposits | 101.2336% | 585 |
| Net loans and leases to core deposits | 115.6942% | 630 |
| Total domestic deposits to total assets | 80.7828% | 4,396 |
| Equity capital to assets | 14.5761% | 714 |
| Core capital (leverage) ratio | 14.2833% | 737 |
| Tier 1 risk-based capital ratio | 32.2855% | 404 |
| Total risk-based capital ratio | 33.5371% | 395 |
| Memoranda: | ||
| Average total assets | $45,268,600 | 5,434 |
| Average earning assets | $42,607,800 | 5,410 |
| Average equity | $6,496,000 | 5,188 |
| Average total loans | $37,408,600 | 4,968 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 1,678 |
| Cost of funding earning assets | 0.3933% | 3,088 |
| Net interest margin | 4.0622% | 1,495 |
| Noninterest income to average assets | 0.1505% | 5,515 |
| Noninterest expense to average assets | 2.2049% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3312% | 1,210 |
| Return on assets (ROA) | 1.3312% | 1,295 |
| Pretax return on assets | 1.7562% | 983 |
| Return on Equity (ROE) | 9.3138% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.3138% | 732 |
| Net charge-offs to loans | 0.1749% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.1431% | 2,418 |
| Efficiency ratio | 55.6632% | 5,094 |
| Assets per employee ($millions) | 6.4306% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5896% | 5,622 |
| Loan loss allowance to noncurrent loans | 22.8070% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1527% | 696 |
| Noncurrent loans to loans | 2.5850% | 662 |
| Net loans and leases to total assets | 82.7831% | 532 |
| Net loans and leases to deposits | 102.8143% | 516 |
| Net loans and leases to core deposits | 117.7564% | 583 |
| Total domestic deposits to total assets | 80.5172% | 4,385 |
| Equity capital to assets | 14.8643% | 770 |
| Core capital (leverage) ratio | 14.7535% | 678 |
| Tier 1 risk-based capital ratio | 32.1667% | 409 |
| Total risk-based capital ratio | 33.2292% | 405 |
| Memoranda: | ||
| Average total assets | $45,171,500 | 5,491 |
| Average earning assets | $42,373,500 | 5,470 |
| Average equity | $6,456,250 | 5,250 |
| Average total loans | $37,355,250 | 5,013 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 1,819 |
| Cost of funding earning assets | 0.3930% | 3,117 |
| Net interest margin | 4.0109% | 1,612 |
| Noninterest income to average assets | 0.1459% | 5,578 |
| Noninterest expense to average assets | 2.2245% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2427% | 1,452 |
| Return on assets (ROA) | 1.2427% | 1,560 |
| Pretax return on assets | 1.6673% | 1,175 |
| Return on Equity (ROE) | 8.8115% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.8115% | 900 |
| Net charge-offs to loans | 0.0804% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 25.1333% | 1,517 |
| Efficiency ratio | 57.1591% | 5,007 |
| Assets per employee ($millions) | 6.6403% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 5,573 |
| Loan loss allowance to noncurrent loans | 24.0758% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 2.2697% | 659 |
| Noncurrent loans to loans | 2.7870% | 570 |
| Net loans and leases to total assets | 80.8915% | 774 |
| Net loans and leases to deposits | 99.2268% | 762 |
| Net loans and leases to core deposits | 112.8960% | 775 |
| Total domestic deposits to total assets | 81.5219% | 4,136 |
| Equity capital to assets | 14.0398% | 1,008 |
| Core capital (leverage) ratio | 14.3325% | 738 |
| Tier 1 risk-based capital ratio | 30.7424% | 465 |
| Total risk-based capital ratio | 31.9389% | 463 |
| Memoranda: | ||
| Average total assets | $45,224,000 | 5,554 |
| Average earning assets | $42,235,000 | 5,535 |
| Average equity | $6,378,000 | 5,316 |
| Average total loans | $37,312,000 | 5,066 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 1,455 |
| Cost of funding earning assets | 0.4073% | 2,992 |
| Net interest margin | 4.1122% | 1,307 |
| Noninterest income to average assets | 0.1435% | 5,624 |
| Noninterest expense to average assets | 2.3500% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1661% | 1,657 |
| Return on assets (ROA) | 1.1661% | 1,765 |
| Pretax return on assets | 1.5966% | 1,308 |
| Return on Equity (ROE) | 8.2487% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.2487% | 1,356 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5455% | 4,805 |
| Assets per employee ($millions) | 6.4160% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 5,546 |
| Loan loss allowance to noncurrent loans | 38.4615% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.5631% | 1,284 |
| Noncurrent loans to loans | 1.8958% | 1,161 |
| Net loans and leases to total assets | 81.8489% | 581 |
| Net loans and leases to deposits | 101.5750% | 527 |
| Net loans and leases to core deposits | 116.2813% | 579 |
| Total domestic deposits to total assets | 80.5798% | 4,614 |
| Equity capital to assets | 14.1900% | 921 |
| Core capital (leverage) ratio | 14.0539% | 798 |
| Tier 1 risk-based capital ratio | 21.0985% | 1,306 |
| Total risk-based capital ratio | 21.9923% | 1,330 |
| Memoranda: | ||
| Average total assets | $44,595,000 | 5,627 |
| Average earning assets | $41,243,500 | 5,609 |
| Average equity | $6,304,000 | 5,362 |
| Average total loans | $37,041,000 | 5,111 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 1,583 |
| Cost of funding earning assets | 0.3884% | 3,279 |
| Net interest margin | 4.1151% | 1,377 |
| Noninterest income to average assets | 0.1857% | 5,486 |
| Noninterest expense to average assets | 2.3033% | 4,780 |
| Loan and lease loss provision to assets | 0.2559% | 739 |
| Net operating income to assets | 0.9784% | 2,475 |
| Return on assets (ROA) | 0.9784% | 2,551 |
| Pretax return on assets | 1.4178% | 1,828 |
| Return on Equity (ROE) | 7.0005% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.3753% | 2,864 |
| Net charge-offs to loans | 0.6961% | 343 |
| Credit loss provision to net charge-offs | 44.3137% | 3,481 |
| Earnings coverage of net charge-offs (x) | 2.8980% | 3,807 |
| Efficiency ratio | 57.9157% | 5,153 |
| Assets per employee ($millions) | 6.3254% | 1,182 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 5,587 |
| Loan loss allowance to noncurrent loans | 42.4528% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 1,444 |
| Noncurrent loans to loans | 1.7165% | 1,311 |
| Net loans and leases to total assets | 83.0706% | 480 |
| Net loans and leases to deposits | 103.4103% | 470 |
| Net loans and leases to core deposits | 118.6440% | 519 |
| Total domestic deposits to total assets | 80.3311% | 4,658 |
| Equity capital to assets | 14.0815% | 906 |
| Core capital (leverage) ratio | 14.0125% | 815 |
| Tier 1 risk-based capital ratio | 20.7122% | 1,343 |
| Total risk-based capital ratio | 21.6091% | 1,392 |
| Memoranda: | ||
| Average total assets | $44,153,800 | 5,679 |
| Average earning assets | $40,679,200 | 5,658 |
| Average equity | $6,171,000 | 5,404 |
| Average total loans | $36,630,600 | 5,132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,778 |
| Cost of funding earning assets | 0.3745% | 3,496 |
| Net interest margin | 4.0674% | 1,504 |
| Noninterest income to average assets | 0.2115% | 5,381 |
| Noninterest expense to average assets | 2.2150% | 5,016 |
| Loan and lease loss provision to assets | 0.2750% | 582 |
| Net operating income to assets | 1.0365% | 2,291 |
| Return on assets (ROA) | 1.0365% | 2,388 |
| Pretax return on assets | 1.4958% | 1,688 |
| Return on Equity (ROE) | 7.4301% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.4301% | 1,487 |
| Net charge-offs to loans | 0.7447% | 278 |
| Credit loss provision to net charge-offs | 44.6078% | 3,110 |
| Earnings coverage of net charge-offs (x) | 2.8726% | 3,591 |
| Efficiency ratio | 55.5724% | 5,402 |
| Assets per employee ($millions) | 6.3429% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 5,485 |
| Loan loss allowance to noncurrent loans | 43.2081% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.6104% | 640 |
| Noncurrent loans to loans | 1.8800% | 1,233 |
| Net loans and leases to total assets | 82.2297% | 550 |
| Net loans and leases to deposits | 103.4659% | 475 |
| Net loans and leases to core deposits | 119.5834% | 486 |
| Total domestic deposits to total assets | 79.4752% | 4,867 |
| Equity capital to assets | 14.2365% | 935 |
| Core capital (leverage) ratio | 14.1657% | 819 |
| Tier 1 risk-based capital ratio | 20.4802% | 1,439 |
| Total risk-based capital ratio | 21.4489% | 1,473 |
| Memoranda: | ||
| Average total assets | $44,122,750 | 5,755 |
| Average earning assets | $40,942,500 | 5,725 |
| Average equity | $6,155,000 | 5,469 |
| Average total loans | $36,525,250 | 5,194 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 1,833 |
| Cost of funding earning assets | 0.3579% | 3,727 |
| Net interest margin | 4.0493% | 1,499 |
| Noninterest income to average assets | 0.2226% | 5,370 |
| Noninterest expense to average assets | 2.2621% | 4,943 |
| Loan and lease loss provision to assets | 0.2544% | 674 |
| Net operating income to assets | 0.9584% | 2,594 |
| Return on assets (ROA) | 0.9584% | 2,709 |
| Pretax return on assets | 1.4581% | 1,773 |
| Return on Equity (ROE) | 6.9184% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.9184% | 1,737 |
| Net charge-offs to loans | 1.0376% | 200 |
| Credit loss provision to net charge-offs | 29.6296% | 2,931 |
| Earnings coverage of net charge-offs (x) | 1.9947% | 3,421 |
| Efficiency ratio | 56.9143% | 5,349 |
| Assets per employee ($millions) | 6.4490% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 5,694 |
| Loan loss allowance to noncurrent loans | 28.5714% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 3.6506% | 380 |
| Noncurrent loans to loans | 2.6594% | 821 |
| Net loans and leases to total assets | 81.0092% | 670 |
| Net loans and leases to deposits | 101.8011% | 559 |
| Net loans and leases to core deposits | 117.2905% | 548 |
| Total domestic deposits to total assets | 79.5760% | 4,963 |
| Equity capital to assets | 13.7076% | 1,088 |
| Core capital (leverage) ratio | 14.0111% | 833 |
| Tier 1 risk-based capital ratio | 20.1177% | 1,522 |
| Total risk-based capital ratio | 21.0280% | 1,559 |
| Memoranda: | ||
| Average total assets | $44,030,330 | 5,821 |
| Average earning assets | $40,797,330 | 5,791 |
| Average equity | $6,099,670 | 5,529 |
| Average total loans | $36,430,670 | 5,243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 1,834 |
| Cost of funding earning assets | 0.3462% | 3,905 |
| Net interest margin | 4.0354% | 1,452 |
| Noninterest income to average assets | 0.2208% | 5,376 |
| Noninterest expense to average assets | 1.9782% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4905% | 863 |
| Return on assets (ROA) | 1.4905% | 920 |
| Pretax return on assets | 1.9966% | 589 |
| Return on Equity (ROE) | 10.7010% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.7010% | 775 |
| Net charge-offs to loans | -0.0552% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7685% | 5,928 |
| Assets per employee ($millions) | 6.2046% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 4,324 |
| Loan loss allowance to noncurrent loans | 59.3172% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 2.5949% | 805 |
| Noncurrent loans to loans | 1.9209% | 1,394 |
| Net loans and leases to total assets | 83.3026% | 355 |
| Net loans and leases to deposits | 104.2231% | 360 |
| Net loans and leases to core deposits | 118.9897% | 432 |
| Total domestic deposits to total assets | 79.9272% | 5,065 |
| Equity capital to assets | 14.1393% | 940 |
| Core capital (leverage) ratio | 14.1459% | 783 |
| Tier 1 risk-based capital ratio | 20.3136% | 1,554 |
| Total risk-based capital ratio | 21.5606% | 1,527 |
| Memoranda: | ||
| Average total assets | $43,474,000 | 5,882 |
| Average earning assets | $40,442,500 | 5,851 |
| Average equity | $6,055,500 | 5,587 |
| Average total loans | $36,221,000 | 5,290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 2,101 |
| Cost of funding earning assets | 0.3303% | 4,488 |
| Net interest margin | 4.1111% | 1,545 |
| Noninterest income to average assets | 0.2252% | 5,517 |
| Noninterest expense to average assets | 2.2113% | 5,329 |
| Loan and lease loss provision to assets | 0.2607% | 855 |
| Net operating income to assets | 1.0666% | 2,100 |
| Return on assets (ROA) | 1.0666% | 2,158 |
| Pretax return on assets | 1.5880% | 1,273 |
| Return on Equity (ROE) | 7.6881% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.9204% | 2,658 |
| Net charge-offs to loans | 0.1543% | 2,494 |
| Credit loss provision to net charge-offs | 207.5472% | 1,191 |
| Earnings coverage of net charge-offs (x) | 14.7170% | 2,136 |
| Efficiency ratio | 54.4658% | 5,805 |
| Assets per employee ($millions) | 6.2166% | 1,236 |
| Cash dividends to net income (ytd only)* | 36.0000% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 4,289 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.9759% | 680 |
| Noncurrent loans to loans | 2.0114% | 1,382 |
| Net loans and leases to total assets | 81.4252% | 582 |
| Net loans and leases to deposits | 101.7371% | 527 |
| Net loans and leases to core deposits | 116.0558% | 525 |
| Total domestic deposits to total assets | 80.0349% | 5,007 |
| Equity capital to assets | 13.7191% | 1,064 |
| Core capital (leverage) ratio | 13.4735% | 976 |
| Tier 1 risk-based capital ratio | 20.0847% | 1,585 |
| Total risk-based capital ratio | 21.2144% | 1,577 |
| Memoranda: | ||
| Average total assets | $42,192,000 | 5,981 |
| Average earning assets | $39,356,600 | 5,940 |
| Average equity | $5,853,200 | 5,654 |
| Average total loans | $34,340,000 | 5,386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,323 |
| Cost of funding earning assets | 0.3104% | 4,777 |
| Net interest margin | 4.0653% | 1,676 |
| Noninterest income to average assets | 0.2357% | 5,514 |
| Noninterest expense to average assets | 2.2455% | 5,235 |
| Loan and lease loss provision to assets | 0.3503% | 503 |
| Net operating income to assets | 0.9906% | 2,498 |
| Return on assets (ROA) | 0.9906% | 2,559 |
| Pretax return on assets | 1.4365% | 1,868 |
| Return on Equity (ROE) | 7.1198% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.1198% | 1,758 |
| Net charge-offs to loans | 0.2120% | 1,769 |
| Credit loss provision to net charge-offs | 203.7037% | 1,245 |
| Earnings coverage of net charge-offs (x) | 10.3886% | 2,548 |
| Efficiency ratio | 55.6872% | 5,684 |
| Assets per employee ($millions) | 6.1161% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 4,559 |
| Loan loss allowance to noncurrent loans | 24.0492% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 5.3325% | 298 |
| Noncurrent loans to loans | 4.7409% | 399 |
| Net loans and leases to total assets | 83.2387% | 380 |
| Net loans and leases to deposits | 102.6263% | 473 |
| Net loans and leases to core deposits | 115.9342% | 509 |
| Total domestic deposits to total assets | 81.1085% | 4,790 |
| Equity capital to assets | 13.9981% | 1,007 |
| Core capital (leverage) ratio | 14.1392% | 808 |
| Tier 1 risk-based capital ratio | 20.0810% | 1,653 |
| Total risk-based capital ratio | 21.2126% | 1,653 |
| Memoranda: | ||
| Average total assets | $41,861,000 | 6,057 |
| Average earning assets | $39,093,750 | 6,016 |
| Average equity | $5,824,000 | 5,715 |
| Average total loans | $33,963,750 | 5,456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 2,714 |
| Cost of funding earning assets | 0.3044% | 4,927 |
| Net interest margin | 3.9620% | 1,927 |
| Noninterest income to average assets | 0.2118% | 5,687 |
| Noninterest expense to average assets | 2.2386% | 5,313 |
| Loan and lease loss provision to assets | 0.2889% | 691 |
| Net operating income to assets | 0.9340% | 2,628 |
| Return on assets (ROA) | 0.9340% | 2,736 |
| Pretax return on assets | 1.3817% | 1,963 |
| Return on Equity (ROE) | 6.7272% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.7272% | 1,911 |
| Net charge-offs to loans | 0.2946% | 1,367 |
| Credit loss provision to net charge-offs | 122.4490% | 1,697 |
| Earnings coverage of net charge-offs (x) | 7.0816% | 2,682 |
| Efficiency ratio | 57.2660% | 5,634 |
| Assets per employee ($millions) | 6.0239% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 5,051 |
| Loan loss allowance to noncurrent loans | 36.5634% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 3.7351% | 602 |
| Noncurrent loans to loans | 2.9089% | 1,020 |
| Net loans and leases to total assets | 80.7409% | 598 |
| Net loans and leases to deposits | 97.4023% | 706 |
| Net loans and leases to core deposits | 110.8232% | 659 |
| Total domestic deposits to total assets | 82.8942% | 4,349 |
| Equity capital to assets | 13.9612% | 980 |
| Core capital (leverage) ratio | 14.1549% | 789 |
| Tier 1 risk-based capital ratio | 20.2768% | 1,619 |
| Total risk-based capital ratio | 21.5299% | 1,589 |
| Memoranda: | ||
| Average total assets | $41,543,670 | 6,120 |
| Average earning assets | $38,768,330 | 6,078 |
| Average equity | $5,767,670 | 5,759 |
| Average total loans | $33,269,000 | 5,524 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 2,936 |
| Cost of funding earning assets | 0.3003% | 5,062 |
| Net interest margin | 3.8830% | 2,145 |
| Noninterest income to average assets | 0.1940% | 5,799 |
| Noninterest expense to average assets | 2.2604% | 5,301 |
| Loan and lease loss provision to assets | 0.5821% | 231 |
| Net operating income to assets | 0.5336% | 4,533 |
| Return on assets (ROA) | 0.5336% | 4,607 |
| Pretax return on assets | 0.9895% | 3,366 |
| Return on Equity (ROE) | 3.8542% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.8542% | 3,811 |
| Net charge-offs to loans | 0.6117% | 608 |
| Credit loss provision to net charge-offs | 120.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 2,715 |
| Efficiency ratio | 58.9873% | 5,542 |
| Assets per employee ($millions) | 6.9178% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,083 |
| Loan loss allowance to noncurrent loans | 119.6721% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1177% | 1,580 |
| Noncurrent loans to loans | 0.9267% | 3,566 |
| Net loans and leases to total assets | 78.4109% | 714 |
| Net loans and leases to deposits | 91.9197% | 961 |
| Net loans and leases to core deposits | 103.0556% | 920 |
| Total domestic deposits to total assets | 85.3037% | 3,720 |
| Equity capital to assets | 13.8338% | 975 |
| Core capital (leverage) ratio | 13.8475% | 870 |
| Tier 1 risk-based capital ratio | 20.4873% | 1,587 |
| Total risk-based capital ratio | 21.7876% | 1,546 |
| Memoranda: | ||
| Average total assets | $41,232,000 | 6,190 |
| Average earning assets | $38,630,000 | 6,143 |
| Average equity | $5,708,000 | 5,817 |
| Average total loans | $32,697,500 | 5,598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,823 |
| Cost of funding earning assets | 0.3906% | 4,748 |
| Net interest margin | 4.2245% | 1,288 |
| Noninterest income to average assets | 0.1865% | 5,973 |
| Noninterest expense to average assets | 2.3228% | 5,308 |
| Loan and lease loss provision to assets | 0.4974% | 565 |
| Net operating income to assets | 0.8480% | 3,042 |
| Return on assets (ROA) | 0.8480% | 3,118 |
| Pretax return on assets | 1.2932% | 2,183 |
| Return on Equity (ROE) | 6.0635% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.5030% | 3,732 |
| Net charge-offs to loans | 0.2823% | 2,283 |
| Credit loss provision to net charge-offs | 219.7802% | 1,046 |
| Earnings coverage of net charge-offs (x) | 7.9121% | 2,764 |
| Efficiency ratio | 56.4692% | 5,898 |
| Assets per employee ($millions) | 6.8262% | 832 |
| Cash dividends to net income (ytd only)* | 42.2287% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,192 |
| Loan loss allowance to noncurrent loans | 52.9061% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.6383% | 2,258 |
| Noncurrent loans to loans | 2.0656% | 1,918 |
| Net loans and leases to total assets | 78.4457% | 770 |
| Net loans and leases to deposits | 92.5588% | 999 |
| Net loans and leases to core deposits | 103.2888% | 954 |
| Total domestic deposits to total assets | 84.7523% | 3,870 |
| Equity capital to assets | 13.8536% | 948 |
| Core capital (leverage) ratio | 13.5353% | 943 |
| Tier 1 risk-based capital ratio | 20.9066% | 1,438 |
| Total risk-based capital ratio | 22.1601% | 1,421 |
| Memoranda: | ||
| Average total assets | $40,210,800 | 6,282 |
| Average earning assets | $37,377,200 | 6,238 |
| Average equity | $5,623,800 | 5,898 |
| Average total loans | $32,233,400 | 5,655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 1,445 |
| Cost of funding earning assets | 0.4102% | 4,730 |
| Net interest margin | 4.3503% | 983 |
| Noninterest income to average assets | 0.1865% | 6,078 |
| Noninterest expense to average assets | 2.2919% | 5,368 |
| Loan and lease loss provision to assets | 0.4963% | 554 |
| Net operating income to assets | 1.1693% | 1,743 |
| Return on assets (ROA) | 1.1693% | 1,817 |
| Pretax return on assets | 1.4258% | 1,847 |
| Return on Equity (ROE) | 8.3402% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.3402% | 1,272 |
| Net charge-offs to loans | 0.0124% | 4,891 |
| Credit loss provision to net charge-offs | 4,966.6667% | 66 |
| Earnings coverage of net charge-offs (x) | 192.3275% | 302 |
| Efficiency ratio | 54.3874% | 6,073 |
| Assets per employee ($millions) | 8.2136% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 4,918 |
| Loan loss allowance to noncurrent loans | 41.9251% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.2767% | 1,735 |
| Noncurrent loans to loans | 2.8337% | 1,467 |
| Net loans and leases to total assets | 79.3903% | 615 |
| Net loans and leases to deposits | 93.3303% | 877 |
| Net loans and leases to core deposits | 102.4188% | 964 |
| Total domestic deposits to total assets | 85.0638% | 3,722 |
| Equity capital to assets | 14.1935% | 908 |
| Core capital (leverage) ratio | 14.2335% | 810 |
| Tier 1 risk-based capital ratio | 21.0912% | 1,478 |
| Total risk-based capital ratio | 22.3731% | 1,448 |
| Memoranda: | ||
| Average total assets | $40,024,250 | 6,358 |
| Average earning assets | $37,054,000 | 6,324 |
| Average equity | $5,611,250 | 5,971 |
| Average total loans | $32,170,750 | 5,714 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 2,099 |
| Cost of funding earning assets | 0.4214% | 4,741 |
| Net interest margin | 4.1050% | 1,525 |
| Noninterest income to average assets | 0.1865% | 6,093 |
| Noninterest expense to average assets | 2.3087% | 5,350 |
| Loan and lease loss provision to assets | 0.5847% | 438 |
| Net operating income to assets | 0.9325% | 2,652 |
| Return on assets (ROA) | 0.9325% | 2,785 |
| Pretax return on assets | 1.0737% | 3,198 |
| Return on Equity (ROE) | 6.6803% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.6803% | 2,050 |
| Net charge-offs to loans | -0.0063% | 5,678 |
| Credit loss provision to net charge-offs | -11,600.0000% | 6,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1957% | 5,708 |
| Assets per employee ($millions) | 5.7077% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,363 |
| Loan loss allowance to noncurrent loans | 61.6299% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4742% | 2,897 |
| Noncurrent loans to loans | 1.8168% | 2,617 |
| Net loans and leases to total assets | 80.2323% | 515 |
| Net loans and leases to deposits | 94.2408% | 796 |
| Net loans and leases to core deposits | 105.0224% | 796 |
| Total domestic deposits to total assets | 85.1354% | 3,832 |
| Equity capital to assets | 14.1413% | 922 |
| Core capital (leverage) ratio | 14.3005% | 750 |
| Tier 1 risk-based capital ratio | 20.5983% | 1,586 |
| Total risk-based capital ratio | 21.8834% | 1,549 |
| Memoranda: | ||
| Average total assets | $39,676,330 | 6,413 |
| Average earning assets | $36,540,670 | 6,380 |
| Average equity | $5,538,670 | 6,032 |
| Average total loans | $31,895,670 | 5,758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 2,366 |
| Cost of funding earning assets | 0.4446% | 4,653 |
| Net interest margin | 4.0012% | 1,776 |
| Noninterest income to average assets | 0.2023% | 6,032 |
| Noninterest expense to average assets | 2.3573% | 5,248 |
| Loan and lease loss provision to assets | 0.9409% | 197 |
| Net operating income to assets | 0.3844% | 5,186 |
| Return on assets (ROA) | 0.3844% | 5,330 |
| Pretax return on assets | 0.5463% | 5,127 |
| Return on Equity (ROE) | 2.7722% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.7722% | 4,623 |
| Net charge-offs to loans | -0.0253% | 5,824 |
| Credit loss provision to net charge-offs | -4,650.0000% | 5,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3158% | 5,404 |
| Assets per employee ($millions) | 5.7020% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 5,727 |
| Loan loss allowance to noncurrent loans | 27.1497% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 3.1468% | 1,395 |
| Noncurrent loans to loans | 3.9289% | 1,161 |
| Net loans and leases to total assets | 79.2379% | 500 |
| Net loans and leases to deposits | 92.7315% | 746 |
| Net loans and leases to core deposits | 102.9458% | 776 |
| Total domestic deposits to total assets | 85.4487% | 3,820 |
| Equity capital to assets | 13.8673% | 1,070 |
| Core capital (leverage) ratio | 13.8058% | 849 |
| Tier 1 risk-based capital ratio | 20.3497% | 1,689 |
| Total risk-based capital ratio | 21.6050% | 1,660 |
| Memoranda: | ||
| Average total assets | $39,537,500 | 6,478 |
| Average earning assets | $35,989,000 | 6,469 |
| Average equity | $5,483,000 | 6,107 |
| Average total loans | $31,634,000 | 5,811 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 3,234 |
| Cost of funding earning assets | 0.5247% | 5,029 |
| Net interest margin | 4.0169% | 2,327 |
| Noninterest income to average assets | 0.2051% | 5,946 |
| Noninterest expense to average assets | 2.3381% | 5,596 |
| Loan and lease loss provision to assets | 1.0076% | 407 |
| Net operating income to assets | 0.3692% | 5,223 |
| Return on assets (ROA) | 0.3692% | 5,455 |
| Pretax return on assets | 0.6281% | 4,902 |
| Return on Equity (ROE) | 2.6655% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.3327% | 5,207 |
| Net charge-offs to loans | 1.2698% | 770 |
| Credit loss provision to net charge-offs | 101.2887% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.6443% | 4,623 |
| Efficiency ratio | 58.8387% | 5,716 |
| Assets per employee ($millions) | 5.5944% | 1,600 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 6,511 |
| Loan loss allowance to noncurrent loans | 20.8298% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 3.0158% | 1,572 |
| Noncurrent loans to loans | 3.7732% | 1,286 |
| Net loans and leases to total assets | 79.2983% | 534 |
| Net loans and leases to deposits | 93.0652% | 824 |
| Net loans and leases to core deposits | 103.5271% | 811 |
| Total domestic deposits to total assets | 85.2072% | 3,764 |
| Equity capital to assets | 13.8684% | 1,096 |
| Core capital (leverage) ratio | 13.9495% | 818 |
| Tier 1 risk-based capital ratio | 20.3531% | 1,594 |
| Total risk-based capital ratio | 21.2772% | 1,646 |
| Memoranda: | ||
| Average total assets | $39,005,400 | 6,533 |
| Average earning assets | $36,595,400 | 6,485 |
| Average equity | $5,402,400 | 6,180 |
| Average total loans | $30,556,400 | 5,923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 3,444 |
| Cost of funding earning assets | 0.5509% | 5,083 |
| Net interest margin | 3.9946% | 2,522 |
| Noninterest income to average assets | 0.1916% | 6,151 |
| Noninterest expense to average assets | 2.3438% | 5,563 |
| Loan and lease loss provision to assets | 0.9786% | 422 |
| Net operating income to assets | 0.3866% | 5,305 |
| Return on assets (ROA) | 0.3866% | 5,515 |
| Pretax return on assets | 0.6159% | 5,121 |
| Return on Equity (ROE) | 2.7925% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.7925% | 4,874 |
| Net charge-offs to loans | 1.0229% | 1,036 |
| Credit loss provision to net charge-offs | 122.7468% | 2,356 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,266 |
| Efficiency ratio | 59.5135% | 5,576 |
| Assets per employee ($millions) | 5.4231% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,127 |
| Loan loss allowance to noncurrent loans | 21.5700% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 3.7248% | 1,328 |
| Noncurrent loans to loans | 4.5847% | 1,024 |
| Net loans and leases to total assets | 80.4410% | 474 |
| Net loans and leases to deposits | 94.9356% | 724 |
| Net loans and leases to core deposits | 105.1007% | 797 |
| Total domestic deposits to total assets | 84.7321% | 3,872 |
| Equity capital to assets | 14.4197% | 993 |
| Core capital (leverage) ratio | 14.1220% | 793 |
| Tier 1 risk-based capital ratio | 20.8933% | 1,550 |
| Total risk-based capital ratio | 22.0606% | 1,536 |
| Memoranda: | ||
| Average total assets | $38,966,500 | 6,618 |
| Average earning assets | $36,548,000 | 6,559 |
| Average equity | $5,395,250 | 6,245 |
| Average total loans | $30,370,500 | 6,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 3,747 |
| Cost of funding earning assets | 0.5815% | 5,061 |
| Net interest margin | 3.9235% | 2,818 |
| Noninterest income to average assets | 0.1934% | 6,173 |
| Noninterest expense to average assets | 2.4121% | 5,412 |
| Loan and lease loss provision to assets | 1.4605% | 255 |
| Net operating income to assets | -0.1120% | 6,452 |
| Return on assets (ROA) | -0.1120% | 6,547 |
| Pretax return on assets | -0.0051% | 6,454 |
| Return on Equity (ROE) | -0.8195% | 6,529 |
| Retained earnings to average equity (ytd only) | -0.8195% | 6,183 |
| Net charge-offs to loans | 1.6681% | 555 |
| Credit loss provision to net charge-offs | 113.8889% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1.1349% | 4,445 |
| Efficiency ratio | 62.3684% | 5,188 |
| Assets per employee ($millions) | 5.5669% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,363 |
| Loan loss allowance to noncurrent loans | 19.8198% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 3.7030% | 1,408 |
| Noncurrent loans to loans | 4.7268% | 1,090 |
| Net loans and leases to total assets | 77.6073% | 775 |
| Net loans and leases to deposits | 92.0525% | 947 |
| Net loans and leases to core deposits | 102.7975% | 934 |
| Total domestic deposits to total assets | 84.3076% | 4,189 |
| Equity capital to assets | 13.6830% | 1,222 |
| Core capital (leverage) ratio | 13.4170% | 1,005 |
| Tier 1 risk-based capital ratio | 20.3028% | 1,640 |
| Total risk-based capital ratio | 21.3934% | 1,642 |
| Memoranda: | ||
| Average total assets | $39,301,330 | 6,655 |
| Average earning assets | $36,803,670 | 6,597 |
| Average equity | $5,369,000 | 6,277 |
| Average total loans | $30,213,330 | 6,058 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 3,110 |
| Cost of funding earning assets | 0.5923% | 5,191 |
| Net interest margin | 4.0924% | 2,122 |
| Noninterest income to average assets | 0.2027% | 6,176 |
| Noninterest expense to average assets | 2.2094% | 6,020 |
| Loan and lease loss provision to assets | 0.3344% | 1,872 |
| Net operating income to assets | 0.9527% | 2,676 |
| Return on assets (ROA) | 0.9527% | 2,883 |
| Pretax return on assets | 1.5101% | 1,847 |
| Return on Equity (ROE) | 6.9791% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.9049% | 2,480 |
| Net charge-offs to loans | 0.5190% | 1,793 |
| Credit loss provision to net charge-offs | 84.6154% | 2,648 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,525 |
| Efficiency ratio | 54.5000% | 6,295 |
| Assets per employee ($millions) | 5.7709% | 1,454 |
| Cash dividends to net income (ytd only)* | 1.0638% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 6,681 |
| Loan loss allowance to noncurrent loans | 18.4627% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 3.3815% | 1,704 |
| Noncurrent loans to loans | 4.5151% | 1,291 |
| Net loans and leases to total assets | 72.1482% | 1,376 |
| Net loans and leases to deposits | 85.4416% | 1,482 |
| Net loans and leases to core deposits | 95.5417% | 1,329 |
| Total domestic deposits to total assets | 84.4415% | 4,303 |
| Equity capital to assets | 13.4518% | 1,254 |
| Core capital (leverage) ratio | 13.5538% | 926 |
| Tier 1 risk-based capital ratio | 21.1308% | 1,469 |
| Total risk-based capital ratio | 22.0835% | 1,489 |
| Memoranda: | ||
| Average total assets | $39,468,000 | 6,702 |
| Average earning assets | $37,142,000 | 6,638 |
| Average equity | $5,387,500 | 6,308 |
| Average total loans | $30,056,000 | 6,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 2,734 |
| Cost of funding earning assets | 0.8242% | 4,680 |
| Net interest margin | 4.2120% | 2,021 |
| Noninterest income to average assets | 0.2380% | 5,834 |
| Noninterest expense to average assets | 2.4721% | 5,562 |
| Loan and lease loss provision to assets | 0.2089% | 4,096 |
| Net operating income to assets | 0.8619% | 2,763 |
| Return on assets (ROA) | 0.8619% | 2,911 |
| Pretax return on assets | 1.4753% | 1,546 |
| Return on Equity (ROE) | 6.1292% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.4218% | 3,792 |
| Net charge-offs to loans | 0.4836% | 3,064 |
| Credit loss provision to net charge-offs | 54.1096% | 5,316 |
| Earnings coverage of net charge-offs (x) | 4.3630% | 3,142 |
| Efficiency ratio | 59.4784% | 5,832 |
| Assets per employee ($millions) | 5.5057% | 1,632 |
| Cash dividends to net income (ytd only)* | 44.1718% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 6,703 |
| Loan loss allowance to noncurrent loans | 29.2200% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 2.3404% | 2,590 |
| Noncurrent loans to loans | 2.7960% | 2,348 |
| Net loans and leases to total assets | 79.0633% | 600 |
| Net loans and leases to deposits | 94.6540% | 764 |
| Net loans and leases to core deposits | 106.5345% | 774 |
| Total domestic deposits to total assets | 83.5288% | 4,527 |
| Equity capital to assets | 13.8583% | 1,121 |
| Core capital (leverage) ratio | 13.8401% | 864 |
| Tier 1 risk-based capital ratio | 20.3085% | 1,564 |
| Total risk-based capital ratio | 21.2620% | 1,609 |
| Memoranda: | ||
| Average total assets | $37,822,200 | 6,747 |
| Average earning assets | $35,185,400 | 6,703 |
| Average equity | $5,318,800 | 6,344 |
| Average total loans | $30,189,000 | 6,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 2,277 |
| Cost of funding earning assets | 0.8762% | 4,579 |
| Net interest margin | 4.3049% | 1,698 |
| Noninterest income to average assets | 0.2373% | 5,929 |
| Noninterest expense to average assets | 2.3590% | 5,885 |
| Loan and lease loss provision to assets | 0.0496% | 5,828 |
| Net operating income to assets | 1.3459% | 1,276 |
| Return on assets (ROA) | 1.3459% | 1,369 |
| Pretax return on assets | 1.8312% | 901 |
| Return on Equity (ROE) | 9.5356% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.5356% | 973 |
| Net charge-offs to loans | 0.1508% | 4,559 |
| Credit loss provision to net charge-offs | 41.1765% | 5,217 |
| Earnings coverage of net charge-offs (x) | 15.6184% | 1,452 |
| Efficiency ratio | 55.6391% | 6,327 |
| Assets per employee ($millions) | 5.4853% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 6,372 |
| Loan loss allowance to noncurrent loans | 34.8592% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 2.2189% | 2,868 |
| Noncurrent loans to loans | 2.7986% | 2,488 |
| Net loans and leases to total assets | 78.5139% | 657 |
| Net loans and leases to deposits | 94.0712% | 830 |
| Net loans and leases to core deposits | 106.8361% | 823 |
| Total domestic deposits to total assets | 83.4622% | 4,498 |
| Equity capital to assets | 14.4595% | 1,005 |
| Core capital (leverage) ratio | 14.4718% | 778 |
| Tier 1 risk-based capital ratio | 21.2436% | 1,413 |
| Total risk-based capital ratio | 22.3814% | 1,409 |
| Memoranda: | ||
| Average total assets | $37,642,750 | 6,811 |
| Average earning assets | $34,997,750 | 6,776 |
| Average equity | $5,313,250 | 6,401 |
| Average total loans | $30,055,750 | 6,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2131% | 2,209 |
| Cost of funding earning assets | 0.9268% | 4,482 |
| Net interest margin | 4.2863% | 1,719 |
| Noninterest income to average assets | 0.2300% | 6,012 |
| Noninterest expense to average assets | 2.3856% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3319% | 1,240 |
| Return on assets (ROA) | 1.3319% | 1,316 |
| Pretax return on assets | 1.8026% | 879 |
| Return on Equity (ROE) | 9.5153% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.5153% | 955 |
| Net charge-offs to loans | 0.2406% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.3611% | 1,934 |
| Efficiency ratio | 56.9604% | 6,303 |
| Assets per employee ($millions) | 5.2414% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,515 |
| Loan loss allowance to noncurrent loans | 20.2296% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 3.7994% | 1,706 |
| Noncurrent loans to loans | 4.6867% | 1,404 |
| Net loans and leases to total assets | 80.2998% | 503 |
| Net loans and leases to deposits | 99.2588% | 526 |
| Net loans and leases to core deposits | 110.8261% | 695 |
| Total domestic deposits to total assets | 80.8994% | 5,558 |
| Equity capital to assets | 14.7125% | 888 |
| Core capital (leverage) ratio | 14.6531% | 736 |
| Tier 1 risk-based capital ratio | 21.1751% | 1,388 |
| Total risk-based capital ratio | 22.2783% | 1,390 |
| Memoranda: | ||
| Average total assets | $37,391,330 | 6,874 |
| Average earning assets | $34,528,670 | 6,847 |
| Average equity | $5,233,670 | 6,453 |
| Average total loans | $29,926,330 | 6,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 1,957 |
| Cost of funding earning assets | 0.9527% | 4,545 |
| Net interest margin | 4.3219% | 1,503 |
| Noninterest income to average assets | 0.2226% | 6,142 |
| Noninterest expense to average assets | 2.2468% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4520% | 985 |
| Return on assets (ROA) | 1.4520% | 1,019 |
| Pretax return on assets | 1.9183% | 653 |
| Return on Equity (ROE) | 10.6377% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.6377% | 966 |
| Net charge-offs to loans | 0.4131% | 2,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.8387% | 2,203 |
| Efficiency ratio | 53.9440% | 6,703 |
| Assets per employee ($millions) | 5.3073% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,485 |
| Loan loss allowance to noncurrent loans | 23.6020% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 2,097 |
| Noncurrent loans to loans | 4.1198% | 1,746 |
| Net loans and leases to total assets | 78.6762% | 659 |
| Net loans and leases to deposits | 96.1607% | 679 |
| Net loans and leases to core deposits | 106.9876% | 896 |
| Total domestic deposits to total assets | 81.8174% | 5,384 |
| Equity capital to assets | 14.0750% | 989 |
| Core capital (leverage) ratio | 14.2485% | 793 |
| Tier 1 risk-based capital ratio | 20.7135% | 1,447 |
| Total risk-based capital ratio | 21.8349% | 1,438 |
| Memoranda: | ||
| Average total assets | $37,742,000 | 6,915 |
| Average earning assets | $34,429,000 | 6,904 |
| Average equity | $5,151,500 | 6,505 |
| Average total loans | $30,017,500 | 6,332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 3,365 |
| Cost of funding earning assets | 1.1390% | 4,915 |
| Net interest margin | 4.1101% | 2,520 |
| Noninterest income to average assets | 0.2159% | 6,268 |
| Noninterest expense to average assets | 2.4170% | 6,054 |
| Loan and lease loss provision to assets | 0.2659% | 4,669 |
| Net operating income to assets | 0.9057% | 2,360 |
| Return on assets (ROA) | 0.9057% | 2,498 |
| Pretax return on assets | 1.3428% | 1,826 |
| Return on Equity (ROE) | 6.7971% | 3,218 |
| Retained earnings to average equity (ytd only) | 4.4260% | 2,756 |
| Net charge-offs to loans | 0.1164% | 5,715 |
| Credit loss provision to net charge-offs | 288.5714% | 937 |
| Earnings coverage of net charge-offs (x) | 17.4571% | 1,148 |
| Efficiency ratio | 60.0392% | 6,040 |
| Assets per employee ($millions) | 5.4761% | 1,610 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 6,185 |
| Loan loss allowance to noncurrent loans | 20.8251% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 3.9835% | 1,706 |
| Noncurrent loans to loans | 5.0034% | 1,343 |
| Net loans and leases to total assets | 78.7859% | 839 |
| Net loans and leases to deposits | 98.9418% | 647 |
| Net loans and leases to core deposits | 109.9458% | 921 |
| Total domestic deposits to total assets | 79.6285% | 5,930 |
| Equity capital to assets | 13.2366% | 1,282 |
| Core capital (leverage) ratio | 13.2686% | 1,040 |
| Tier 1 risk-based capital ratio | 19.3652% | 1,625 |
| Total risk-based capital ratio | 20.5611% | 1,606 |
| Memoranda: | ||
| Average total assets | $37,981,000 | 6,937 |
| Average earning assets | $35,206,000 | 6,909 |
| Average equity | $5,061,000 | 6,648 |
| Average total loans | $30,070,000 | 6,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 3,690 |
| Cost of funding earning assets | 1.1746% | 5,010 |
| Net interest margin | 4.0543% | 2,838 |
| Noninterest income to average assets | 0.2111% | 6,403 |
| Noninterest expense to average assets | 2.2589% | 6,440 |
| Loan and lease loss provision to assets | 0.3519% | 3,797 |
| Net operating income to assets | 0.9676% | 2,344 |
| Return on assets (ROA) | 0.9676% | 2,466 |
| Pretax return on assets | 1.3652% | 1,987 |
| Return on Equity (ROE) | 7.2495% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.2495% | 1,726 |
| Net charge-offs to loans | 0.1558% | 5,068 |
| Credit loss provision to net charge-offs | 285.7143% | 1,128 |
| Earnings coverage of net charge-offs (x) | 13.9415% | 1,551 |
| Efficiency ratio | 56.8142% | 6,436 |
| Assets per employee ($millions) | 5.5129% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 6,188 |
| Loan loss allowance to noncurrent loans | 25.1185% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 3.2806% | 2,178 |
| Noncurrent loans to loans | 4.1632% | 1,764 |
| Net loans and leases to total assets | 77.9762% | 1,040 |
| Net loans and leases to deposits | 97.5840% | 832 |
| Net loans and leases to core deposits | 107.2686% | 1,213 |
| Total domestic deposits to total assets | 79.9067% | 5,738 |
| Equity capital to assets | 13.5216% | 1,340 |
| Core capital (leverage) ratio | 13.5253% | 1,052 |
| Tier 1 risk-based capital ratio | 19.5967% | 1,627 |
| Total risk-based capital ratio | 20.7953% | 1,603 |
| Memoranda: | ||
| Average total assets | $37,893,000 | 7,021 |
| Average earning assets | $35,188,500 | 6,987 |
| Average equity | $5,057,750 | 6,733 |
| Average total loans | $29,957,750 | 6,483 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 4,058 |
| Cost of funding earning assets | 1.2259% | 4,983 |
| Net interest margin | 3.9514% | 3,236 |
| Noninterest income to average assets | 0.2018% | 6,462 |
| Noninterest expense to average assets | 2.1880% | 6,676 |
| Loan and lease loss provision to assets | 0.4833% | 2,889 |
| Net operating income to assets | 0.8125% | 2,912 |
| Return on assets (ROA) | 0.8125% | 3,062 |
| Pretax return on assets | 1.2108% | 2,380 |
| Return on Equity (ROE) | 6.1147% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.1147% | 2,270 |
| Net charge-offs to loans | 0.1677% | 4,610 |
| Credit loss provision to net charge-offs | 364.0000% | 1,001 |
| Earnings coverage of net charge-offs (x) | 12.7600% | 1,653 |
| Efficiency ratio | 56.3611% | 6,591 |
| Assets per employee ($millions) | 5.4834% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 6,078 |
| Loan loss allowance to noncurrent loans | 20.6339% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 4.0277% | 1,712 |
| Noncurrent loans to loans | 5.1879% | 1,317 |
| Net loans and leases to total assets | 76.8054% | 1,331 |
| Net loans and leases to deposits | 97.9045% | 883 |
| Net loans and leases to core deposits | 107.7916% | 1,310 |
| Total domestic deposits to total assets | 78.4494% | 6,165 |
| Equity capital to assets | 13.2633% | 1,449 |
| Core capital (leverage) ratio | 13.0156% | 1,204 |
| Tier 1 risk-based capital ratio | 19.4767% | 1,613 |
| Total risk-based capital ratio | 20.7005% | 1,591 |
| Memoranda: | ||
| Average total assets | $37,660,670 | 7,085 |
| Average earning assets | $35,076,330 | 7,040 |
| Average equity | $5,004,330 | 6,778 |
| Average total loans | $29,807,330 | 6,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 5,290 |
| Cost of funding earning assets | 1.3574% | 4,436 |
| Net interest margin | 3.5775% | 4,824 |
| Noninterest income to average assets | 0.2145% | 6,427 |
| Noninterest expense to average assets | 2.0805% | 6,992 |
| Loan and lease loss provision to assets | 0.3432% | 3,325 |
| Net operating income to assets | 0.7078% | 3,407 |
| Return on assets (ROA) | 0.7078% | 3,515 |
| Pretax return on assets | 1.1260% | 2,649 |
| Return on Equity (ROE) | 5.3215% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.3215% | 2,975 |
| Net charge-offs to loans | 0.3623% | 2,966 |
| Credit loss provision to net charge-offs | 118.5185% | 2,946 |
| Earnings coverage of net charge-offs (x) | 5.0741% | 2,476 |
| Efficiency ratio | 58.6103% | 6,392 |
| Assets per employee ($millions) | 5.4137% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 6,925 |
| Loan loss allowance to noncurrent loans | 15.5328% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 4.3830% | 1,552 |
| Noncurrent loans to loans | 5.6064% | 1,235 |
| Net loans and leases to total assets | 77.4989% | 1,248 |
| Net loans and leases to deposits | 97.1197% | 987 |
| Net loans and leases to core deposits | 106.8002% | 1,505 |
| Total domestic deposits to total assets | 79.7973% | 5,858 |
| Equity capital to assets | 13.2046% | 1,440 |
| Core capital (leverage) ratio | 13.1001% | 1,185 |
| Tier 1 risk-based capital ratio | 19.2547% | 1,662 |
| Total risk-based capital ratio | 20.2500% | 1,688 |
| Memoranda: | ||
| Average total assets | $37,299,000 | 7,187 |
| Average earning assets | $34,772,500 | 7,135 |
| Average equity | $4,961,000 | 6,856 |
| Average total loans | $29,811,000 | 6,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7296% | 2,962 |
| Cost of funding earning assets | 2.0039% | 2,945 |
| Net interest margin | 3.7256% | 4,023 |
| Noninterest income to average assets | 0.1532% | 6,966 |
| Noninterest expense to average assets | 2.1915% | 7,015 |
| Loan and lease loss provision to assets | 0.2908% | 5,099 |
| Net operating income to assets | 0.7582% | 2,685 |
| Return on assets (ROA) | 0.7582% | 2,780 |
| Pretax return on assets | 1.1321% | 2,152 |
| Return on Equity (ROE) | 5.9905% | 3,213 |
| Retained earnings to average equity (ytd only) | 3.5286% | 2,705 |
| Net charge-offs to loans | 0.3299% | 4,582 |
| Credit loss provision to net charge-offs | 115.4639% | 4,721 |
| Earnings coverage of net charge-offs (x) | 5.6495% | 2,535 |
| Efficiency ratio | 60.6322% | 6,382 |
| Assets per employee ($millions) | 5.2431% | 1,901 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 7,243 |
| Loan loss allowance to noncurrent loans | 34.3419% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 1.8010% | 3,665 |
| Noncurrent loans to loans | 2.2037% | 3,384 |
| Net loans and leases to total assets | 81.1073% | 823 |
| Net loans and leases to deposits | 99.0385% | 992 |
| Net loans and leases to core deposits | 129.4768% | 1,309 |
| Total domestic deposits to total assets | 81.8947% | 4,999 |
| Equity capital to assets | 13.3998% | 1,364 |
| Core capital (leverage) ratio | 12.8820% | 1,284 |
| Tier 1 risk-based capital ratio | 19.0919% | 1,636 |
| Total risk-based capital ratio | 19.9713% | 1,676 |
| Memoranda: | ||
| Average total assets | $38,512,800 | 7,149 |
| Average earning assets | $35,779,400 | 7,108 |
| Average equity | $4,874,400 | 6,994 |
| Average total loans | $29,407,000 | 6,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6313% | 3,682 |
| Cost of funding earning assets | 2.1274% | 2,760 |
| Net interest margin | 3.5039% | 4,849 |
| Noninterest income to average assets | 0.1471% | 7,122 |
| Noninterest expense to average assets | 2.0599% | 7,270 |
| Loan and lease loss provision to assets | 0.3832% | 4,029 |
| Net operating income to assets | 0.5714% | 3,725 |
| Return on assets (ROA) | 0.5714% | 3,789 |
| Pretax return on assets | 0.9615% | 3,018 |
| Return on Equity (ROE) | 4.5782% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.5782% | 2,716 |
| Net charge-offs to loans | 0.3281% | 3,996 |
| Credit loss provision to net charge-offs | 155.5556% | 3,064 |
| Earnings coverage of net charge-offs (x) | 5.4582% | 2,817 |
| Efficiency ratio | 60.5025% | 6,347 |
| Assets per employee ($millions) | 5.4251% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,973 |
| Loan loss allowance to noncurrent loans | 42.5676% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 1.5589% | 4,025 |
| Noncurrent loans to loans | 1.9816% | 3,668 |
| Net loans and leases to total assets | 78.0045% | 1,570 |
| Net loans and leases to deposits | 97.7076% | 1,357 |
| Net loans and leases to core deposits | 131.2262% | 1,362 |
| Total domestic deposits to total assets | 79.8346% | 5,505 |
| Equity capital to assets | 13.0240% | 1,684 |
| Core capital (leverage) ratio | 12.6363% | 1,527 |
| Tier 1 risk-based capital ratio | 18.8018% | 1,796 |
| Total risk-based capital ratio | 19.7640% | 1,808 |
| Memoranda: | ||
| Average total assets | $38,965,500 | 7,201 |
| Average earning assets | $36,225,000 | 7,152 |
| Average equity | $4,863,500 | 7,056 |
| Average total loans | $29,260,000 | 6,720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7503% | 3,292 |
| Cost of funding earning assets | 2.1749% | 2,911 |
| Net interest margin | 3.5754% | 4,466 |
| Noninterest income to average assets | 0.1374% | 7,271 |
| Noninterest expense to average assets | 2.0664% | 7,341 |
| Loan and lease loss provision to assets | 0.0611% | 6,606 |
| Net operating income to assets | 0.8805% | 2,536 |
| Return on assets (ROA) | 0.8805% | 2,642 |
| Pretax return on assets | 1.3233% | 1,954 |
| Return on Equity (ROE) | 7.1547% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.1547% | 1,523 |
| Net charge-offs to loans | 0.4750% | 2,933 |
| Credit loss provision to net charge-offs | 17.3913% | 6,150 |
| Earnings coverage of net charge-offs (x) | 3.9420% | 3,265 |
| Efficiency ratio | 59.8820% | 6,573 |
| Assets per employee ($millions) | 5.6954% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 7,755 |
| Loan loss allowance to noncurrent loans | 111.5108% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 6,579 |
| Noncurrent loans to loans | 0.4752% | 6,335 |
| Net loans and leases to total assets | 72.9758% | 2,959 |
| Net loans and leases to deposits | 95.2746% | 1,908 |
| Net loans and leases to core deposits | 129.9245% | 1,568 |
| Total domestic deposits to total assets | 76.5953% | 6,419 |
| Equity capital to assets | 12.3834% | 1,983 |
| Core capital (leverage) ratio | 12.5644% | 1,593 |
| Tier 1 risk-based capital ratio | 18.8990% | 1,797 |
| Total risk-based capital ratio | 19.4932% | 1,897 |
| Memoranda: | ||
| Average total assets | $39,295,330 | 7,243 |
| Average earning assets | $36,415,330 | 7,206 |
| Average equity | $4,836,000 | 7,130 |
| Average total loans | $29,055,000 | 6,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 3,064 |
| Cost of funding earning assets | 2.2368% | 2,977 |
| Net interest margin | 3.6074% | 4,288 |
| Noninterest income to average assets | 0.1436% | 7,270 |
| Noninterest expense to average assets | 2.2251% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6768% | 3,674 |
| Return on assets (ROA) | 0.6768% | 3,856 |
| Pretax return on assets | 1.2920% | 2,311 |
| Return on Equity (ROE) | 5.5167% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.5167% | 2,855 |
| Net charge-offs to loans | 0.7183% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.4231% | 3,521 |
| Efficiency ratio | 63.2653% | 5,821 |
| Assets per employee ($millions) | 5.6059% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5520% | 7,752 |
| Loan loss allowance to noncurrent loans | 69.2641% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 5,715 |
| Noncurrent loans to loans | 0.7969% | 5,442 |
| Net loans and leases to total assets | 73.4640% | 2,902 |
| Net loans and leases to deposits | 95.7995% | 1,981 |
| Net loans and leases to core deposits | 127.6479% | 1,810 |
| Total domestic deposits to total assets | 76.6851% | 6,367 |
| Equity capital to assets | 12.2754% | 2,092 |
| Core capital (leverage) ratio | 12.3143% | 1,753 |
| Tier 1 risk-based capital ratio | 18.5849% | 1,910 |
| Total risk-based capital ratio | 19.2056% | 2,013 |
| Memoranda: | ||
| Average total assets | $39,009,000 | 7,297 |
| Average earning assets | $36,481,000 | 7,248 |
| Average equity | $4,785,500 | 7,192 |
| Average total loans | $28,958,000 | 6,820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3834% | 3,507 |
| Cost of funding earning assets | 2.7913% | 2,740 |
| Net interest margin | 3.5922% | 4,923 |
| Noninterest income to average assets | 0.1513% | 7,338 |
| Noninterest expense to average assets | 2.2671% | 6,794 |
| Loan and lease loss provision to assets | 0.0991% | 6,113 |
| Net operating income to assets | 0.8007% | 3,434 |
| Return on assets (ROA) | 0.8007% | 3,268 |
| Pretax return on assets | 1.1171% | 2,970 |
| Return on Equity (ROE) | 6.1546% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.1090% | 3,221 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0869% | 5,301 |
| Assets per employee ($millions) | 5.5396% | 1,428 |
| Cash dividends to net income (ytd only)* | 49.4845% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 7,348 |
| Loan loss allowance to noncurrent loans | 69.0554% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 4,875 |
| Noncurrent loans to loans | 1.0613% | 4,453 |
| Net loans and leases to total assets | 74.0542% | 3,090 |
| Net loans and leases to deposits | 98.6093% | 2,034 |
| Net loans and leases to core deposits | 128.4660% | 1,966 |
| Total domestic deposits to total assets | 75.0986% | 6,429 |
| Equity capital to assets | 12.2598% | 2,132 |
| Core capital (leverage) ratio | 12.3746% | 1,798 |
| Tier 1 risk-based capital ratio | 18.6009% | 1,895 |
| Total risk-based capital ratio | 19.4355% | 1,944 |
| Memoranda: | ||
| Average total assets | $36,345,200 | 7,366 |
| Average earning assets | $33,712,400 | 7,338 |
| Average equity | $4,728,200 | 7,241 |
| Average total loans | $27,664,200 | 6,867 |