Home > Twin Cedars Bank > Performance and Condition Ratios
Twin Cedars Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8818% | 249 |
| Cost of funding earning assets | 1.5494% | 1,811 |
| Net interest margin | 5.3324% | 225 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 4.6194% | 269 |
| Loan and lease loss provision to assets | 0.6100% | 133 |
| Net operating income to assets | 0.0440% | 4,293 |
| Return on assets (ROA) | 0.0440% | 4,321 |
| Pretax return on assets | -0.1145% | 4,404 |
| Return on Equity (ROE) | 0.3700% | 4,313 |
| Retained earnings to average equity (ytd only) | 0.3712% | 3,971 |
| Net charge-offs to loans | 0.0055% | 2,501 |
| Credit loss provision to net charge-offs | 13,766.6667% | 37 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 851 |
| Efficiency ratio | 86.0178% | 563 |
| Assets per employee ($millions) | 4.8653% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 1,135 |
| Loan loss allowance to noncurrent loans | 325.2492% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 1,431 |
| Noncurrent loans to loans | 0.4528% | 1,649 |
| Net loans and leases to total assets | 84.1500% | 262 |
| Net loans and leases to deposits | 98.9905% | 595 |
| Net loans and leases to core deposits | 101.1520% | 1,372 |
| Total domestic deposits to total assets | 85.0000% | 2,312 |
| Equity capital to assets | 10.4490% | 1,751 |
| Core capital (leverage) ratio | 9.2391% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9408% | 2,601 |
| Memoranda: | ||
| Average total assets | $68,147,800 | 4,134 |
| Average earning assets | $61,960,400 | 4,115 |
| Average equity | $8,082,200 | 3,915 |
| Average total loans | $54,571,800 | 3,780 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5678% | 290 |
| Cost of funding earning assets | 1.2667% | 2,234 |
| Net interest margin | 5.3012% | 224 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 4.7714% | 247 |
| Loan and lease loss provision to assets | 0.6600% | 113 |
| Net operating income to assets | -0.2516% | 4,507 |
| Return on assets (ROA) | -0.2516% | 4,494 |
| Pretax return on assets | -0.3347% | 4,492 |
| Return on Equity (ROE) | -2.0500% | 4,451 |
| Retained earnings to average equity (ytd only) | -2.0489% | 4,321 |
| Net charge-offs to loans | 0.0103% | 2,013 |
| Credit loss provision to net charge-offs | 8,075.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 1,452 |
| Efficiency ratio | 89.1633% | 401 |
| Assets per employee ($millions) | 4.1934% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,311 |
| Loan loss allowance to noncurrent loans | 604.0816% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,294 |
| Noncurrent loans to loans | 0.2373% | 2,400 |
| Net loans and leases to total assets | 80.8800% | 557 |
| Net loans and leases to deposits | 96.2099% | 740 |
| Net loans and leases to core deposits | 98.7912% | 1,395 |
| Total domestic deposits to total assets | 84.0700% | 2,754 |
| Equity capital to assets | 10.5603% | 1,531 |
| Core capital (leverage) ratio | 9.6593% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0776% | 2,587 |
| Memoranda: | ||
| Average total assets | $65,723,500 | 4,172 |
| Average earning assets | $59,683,250 | 4,159 |
| Average equity | $8,069,250 | 3,929 |
| Average total loans | $51,594,250 | 3,832 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2986% | 312 |
| Cost of funding earning assets | 0.9796% | 2,669 |
| Net interest margin | 5.3190% | 206 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 5.0423% | 219 |
| Loan and lease loss provision to assets | 0.6800% | 105 |
| Net operating income to assets | -0.4674% | 4,566 |
| Return on assets (ROA) | -0.4674% | 4,561 |
| Pretax return on assets | -0.6243% | 4,562 |
| Return on Equity (ROE) | -3.6000% | 4,522 |
| Retained earnings to average equity (ytd only) | -3.6040% | 4,368 |
| Net charge-offs to loans | 0.0125% | 1,726 |
| Credit loss provision to net charge-offs | 7,066.6667% | 83 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,159 |
| Efficiency ratio | 94.1583% | 259 |
| Assets per employee ($millions) | 3.9616% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,452 |
| Loan loss allowance to noncurrent loans | 1,196.9231% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 2,858 |
| Noncurrent loans to loans | 0.1187% | 2,881 |
| Net loans and leases to total assets | 80.1400% | 613 |
| Net loans and leases to deposits | 91.2757% | 1,082 |
| Net loans and leases to core deposits | 93.4778% | 1,598 |
| Total domestic deposits to total assets | 87.8000% | 1,675 |
| Equity capital to assets | 11.8073% | 1,103 |
| Core capital (leverage) ratio | 10.4986% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1883% | 1,820 |
| Memoranda: | ||
| Average total assets | $62,471,000 | 4,226 |
| Average earning assets | $56,552,000 | 4,226 |
| Average equity | $8,102,000 | 3,941 |
| Average total loans | $48,146,333 | 3,882 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 356 |
| Cost of funding earning assets | 0.7034% | 3,045 |
| Net interest margin | 5.1975% | 223 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 5.5098% | 201 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | -0.6596% | 4,602 |
| Return on assets (ROA) | -0.6596% | 4,591 |
| Pretax return on assets | -0.8794% | 4,597 |
| Return on Equity (ROE) | -4.8500% | 4,552 |
| Retained earnings to average equity (ytd only) | -4.8482% | 4,322 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 106.4777% | 120 |
| Assets per employee ($millions) | 3.6145% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,937 |
| Loan loss allowance to noncurrent loans | 634.0206% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,400 |
| Noncurrent loans to loans | 0.2086% | 2,432 |
| Net loans and leases to total assets | 74.6700% | 1,119 |
| Net loans and leases to deposits | 86.2425% | 1,335 |
| Net loans and leases to core deposits | 88.1073% | 1,730 |
| Total domestic deposits to total assets | 86.5800% | 2,416 |
| Equity capital to assets | 13.0177% | 757 |
| Core capital (leverage) ratio | 11.7237% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4489% | 1,275 |
| Memoranda: | ||
| Average total assets | $60,038,500 | 4,310 |
| Average earning assets | $54,025,500 | 4,305 |
| Average equity | $8,168,000 | 3,984 |
| Average total loans | $44,843,000 | 3,983 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2122% | 3,803 |
| Cost of funding earning assets | 0.1377% | 4,190 |
| Net interest margin | 3.0745% | 3,246 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.5432% | 1,983 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | -0.2530% | 4,613 |
| Return on assets (ROA) | -0.2530% | 4,600 |
| Pretax return on assets | -0.3342% | 4,608 |
| Return on Equity (ROE) | -2.3800% | 4,593 |
| Retained earnings to average equity (ytd only) | -2.3843% | 4,502 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.0142% | 303 |
| Assets per employee ($millions) | 3.6644% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5603% | 4,383 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,751 |
| Noncurrent loans to loans | 0.1505% | 2,750 |
| Net loans and leases to total assets | 73.2500% | 1,286 |
| Net loans and leases to deposits | 85.7793% | 1,330 |
| Net loans and leases to core deposits | 86.8601% | 1,689 |
| Total domestic deposits to total assets | 85.4000% | 2,883 |
| Equity capital to assets | 14.2197% | 555 |
| Core capital (leverage) ratio | 11.6936% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7734% | 1,168 |
| Memoranda: | ||
| Average total assets | $52,964,600 | 4,409 |
| Average earning assets | $43,584,000 | 4,441 |
| Average equity | $5,620,000 | 4,369 |
| Average total loans | $28,670,400 | 4,260 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9246% | 4,624 |
| Cost of funding earning assets | 0.0743% | 4,461 |
| Net interest margin | 1.8503% | 4,595 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.5338% | 4,381 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | -0.1319% | 4,633 |
| Return on assets (ROA) | -0.1319% | 4,609 |
| Pretax return on assets | -0.1759% | 4,613 |
| Return on Equity (ROE) | -1.3800% | 4,600 |
| Retained earnings to average equity (ytd only) | -1.3763% | 4,451 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.1330% | 294 |
| Assets per employee ($millions) | 3.3505% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2691% | 4,601 |
| Loan loss allowance to noncurrent loans | 161.5385% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,025 |
| Noncurrent loans to loans | 0.1666% | 2,760 |
| Net loans and leases to total assets | 54.6500% | 3,036 |
| Net loans and leases to deposits | 64.2829% | 2,847 |
| Net loans and leases to core deposits | 65.1221% | 3,016 |
| Total domestic deposits to total assets | 85.0200% | 3,280 |
| Equity capital to assets | 14.7773% | 475 |
| Core capital (leverage) ratio | 12.1457% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1126% | 552 |
| Memoranda: | ||
| Average total assets | $51,548,250 | 4,458 |
| Average earning assets | $41,289,000 | 4,499 |
| Average equity | $4,940,750 | 4,478 |
| Average total loans | $25,040,500 | 4,357 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 3,324 |
| Cost of funding earning assets | 0.3109% | 1,611 |
| Net interest margin | 2.7827% | 3,490 |
| Noninterest income to average assets | 0.5629% | 1,893 |
| Noninterest expense to average assets | 3.2727% | 570 |
| Loan and lease loss provision to assets | -0.1608% | 4,657 |
| Net operating income to assets | -0.3946% | 4,668 |
| Return on assets (ROA) | -0.4021% | 4,649 |
| Pretax return on assets | -0.4342% | 4,640 |
| Return on Equity (ROE) | -5.2882% | 4,681 |
| Retained earnings to average equity (ytd only) | -5.2882% | 4,554 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8563% | 72 |
| Assets per employee ($millions) | 3.9102% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.4305% | 3,684 |
| Net loans and leases to deposits | 50.2192% | 3,802 |
| Net loans and leases to core deposits | 50.8949% | 3,884 |
| Total domestic deposits to total assets | 92.4557% | 668 |
| Equity capital to assets | 7.3456% | 3,570 |
| Core capital (leverage) ratio | 7.4867% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1287% | 1,157 |
| Memoranda: | ||
| Average total assets | $49,744,667 | 4,513 |
| Average earning assets | $37,949,000 | 4,590 |
| Average equity | $3,782,000 | 4,632 |
| Average total loans | $22,983,000 | 4,449 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0269% | 3,174 |
| Cost of funding earning assets | 0.3798% | 991 |
| Net interest margin | 2.6471% | 3,533 |
| Noninterest income to average assets | 0.2927% | 3,370 |
| Noninterest expense to average assets | 3.0650% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.8455% | 4,731 |
| Return on assets (ROA) | -0.8455% | 4,726 |
| Pretax return on assets | -0.8455% | 4,719 |
| Return on Equity (ROE) | -10.9301% | 4,750 |
| Retained earnings to average equity (ytd only) | -10.9301% | 4,578 |
| Net charge-offs to loans | -0.0177% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.0952% | 57 |
| Assets per employee ($millions) | 3.8328% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 3,984 |
| Loan loss allowance to noncurrent loans | 1,275.0000% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,716 |
| Noncurrent loans to loans | 0.0723% | 3,491 |
| Net loans and leases to total assets | 44.0022% | 3,739 |
| Net loans and leases to deposits | 47.6537% | 3,894 |
| Net loans and leases to core deposits | 48.3068% | 3,969 |
| Total domestic deposits to total assets | 92.3375% | 458 |
| Equity capital to assets | 7.5120% | 3,927 |
| Core capital (leverage) ratio | 7.4929% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2451% | 870 |
| Memoranda: | ||
| Average total assets | $49,200,500 | 4,542 |
| Average earning assets | $35,812,500 | 4,632 |
| Average equity | $3,806,000 | 4,666 |
| Average total loans | $22,591,500 | 4,472 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 670 |
| Cost of funding earning assets | 0.5056% | 908 |
| Net interest margin | 3.9314% | 809 |
| Noninterest income to average assets | 0.2769% | 3,732 |
| Noninterest expense to average assets | 3.0091% | 962 |
| Loan and lease loss provision to assets | -0.2646% | 4,756 |
| Net operating income to assets | 0.5149% | 4,052 |
| Return on assets (ROA) | 0.5272% | 4,072 |
| Pretax return on assets | 0.5272% | 4,218 |
| Return on Equity (ROE) | 6.7197% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.1114% | 3,582 |
| Net charge-offs to loans | 0.0718% | 1,072 |
| Credit loss provision to net charge-offs | -678.9474% | 3,829 |
| Earnings coverage of net charge-offs (x) | 6.4211% | 2,398 |
| Efficiency ratio | 92.3222% | 262 |
| Assets per employee ($millions) | 4.4158% | 4,182 |
| Cash dividends to net income (ytd only)* | 53.6965% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,107 |
| Loan loss allowance to noncurrent loans | 10,150.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,135 |
| Noncurrent loans to loans | 0.0087% | 4,040 |
| Net loans and leases to total assets | 47.0437% | 3,596 |
| Net loans and leases to deposits | 51.5556% | 3,764 |
| Net loans and leases to core deposits | 51.9920% | 3,895 |
| Total domestic deposits to total assets | 91.2484% | 402 |
| Equity capital to assets | 7.9652% | 4,382 |
| Core capital (leverage) ratio | 7.8385% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5466% | 958 |
| Memoranda: | ||
| Average total assets | $48,751,600 | 4,574 |
| Average earning assets | $36,984,200 | 4,648 |
| Average equity | $3,824,600 | 4,717 |
| Average total loans | $26,460,200 | 4,448 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 439 |
| Cost of funding earning assets | 0.5221% | 938 |
| Net interest margin | 4.2339% | 509 |
| Noninterest income to average assets | 0.2869% | 3,735 |
| Noninterest expense to average assets | 3.0111% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5383% | 4,123 |
| Return on assets (ROA) | 0.5492% | 4,143 |
| Pretax return on assets | 0.5437% | 4,311 |
| Return on Equity (ROE) | 7.0275% | 3,662 |
| Retained earnings to average equity (ytd only) | 2.2026% | 4,136 |
| Net charge-offs to loans | 0.1367% | 594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.9643% | 2,157 |
| Efficiency ratio | 84.9653% | 478 |
| Assets per employee ($millions) | 4.0935% | 4,390 |
| Cash dividends to net income (ytd only)* | 68.6567% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,627 |
| Loan loss allowance to noncurrent loans | 362.9213% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,902 |
| Noncurrent loans to loans | 0.3503% | 2,525 |
| Net loans and leases to total assets | 51.0667% | 3,295 |
| Net loans and leases to deposits | 56.2999% | 3,554 |
| Net loans and leases to core deposits | 56.7714% | 3,718 |
| Total domestic deposits to total assets | 90.7048% | 467 |
| Equity capital to assets | 7.7745% | 4,627 |
| Core capital (leverage) ratio | 7.6661% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0688% | 1,339 |
| Memoranda: | ||
| Average total assets | $48,796,000 | 4,639 |
| Average earning assets | $37,537,000 | 4,711 |
| Average equity | $3,813,500 | 4,785 |
| Average total loans | $27,311,750 | 4,488 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2694% | 226 |
| Cost of funding earning assets | 0.5368% | 1,005 |
| Net interest margin | 4.7326% | 245 |
| Noninterest income to average assets | 0.2917% | 3,680 |
| Noninterest expense to average assets | 3.0316% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0064% | 2,867 |
| Return on assets (ROA) | 1.0187% | 2,905 |
| Pretax return on assets | 1.0023% | 3,444 |
| Return on Equity (ROE) | 13.0127% | 1,713 |
| Retained earnings to average equity (ytd only) | 6.6113% | 2,580 |
| Net charge-offs to loans | 0.0787% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,497 |
| Efficiency ratio | 75.3830% | 1,138 |
| Assets per employee ($millions) | 4.5263% | 4,086 |
| Cash dividends to net income (ytd only)* | 49.1935% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,446 |
| Loan loss allowance to noncurrent loans | 306.3063% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 2,813 |
| Noncurrent loans to loans | 0.4237% | 2,413 |
| Net loans and leases to total assets | 51.9332% | 3,349 |
| Net loans and leases to deposits | 57.2514% | 3,618 |
| Net loans and leases to core deposits | 57.7242% | 3,775 |
| Total domestic deposits to total assets | 90.7108% | 477 |
| Equity capital to assets | 7.8090% | 4,628 |
| Core capital (leverage) ratio | 7.7045% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1362% | 1,306 |
| Memoranda: | ||
| Average total assets | $48,687,333 | 4,668 |
| Average earning assets | $38,372,333 | 4,731 |
| Average equity | $3,811,667 | 4,815 |
| Average total loans | $27,946,333 | 4,508 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 289 |
| Cost of funding earning assets | 0.5593% | 1,053 |
| Net interest margin | 4.5964% | 315 |
| Noninterest income to average assets | 0.3158% | 3,517 |
| Noninterest expense to average assets | 3.1328% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9143% | 3,091 |
| Return on assets (ROA) | 0.9224% | 3,146 |
| Pretax return on assets | 0.9473% | 3,500 |
| Return on Equity (ROE) | 11.7663% | 2,105 |
| Retained earnings to average equity (ytd only) | 0.8480% | 4,243 |
| Net charge-offs to loans | 0.3470% | 241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.5200% | 1,727 |
| Efficiency ratio | 76.9388% | 1,043 |
| Assets per employee ($millions) | 3.8098% | 4,578 |
| Cash dividends to net income (ytd only)* | 92.7928% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,371 |
| Loan loss allowance to noncurrent loans | 2,037.5000% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,132 |
| Noncurrent loans to loans | 0.0546% | 4,016 |
| Net loans and leases to total assets | 58.5002% | 2,743 |
| Net loans and leases to deposits | 64.7146% | 3,059 |
| Net loans and leases to core deposits | 65.2509% | 3,296 |
| Total domestic deposits to total assets | 90.3974% | 616 |
| Equity capital to assets | 7.6220% | 4,665 |
| Core capital (leverage) ratio | 7.7461% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,136,500 | 4,692 |
| Average earning assets | $39,335,500 | 4,739 |
| Average equity | $3,773,500 | 4,844 |
| Average total loans | $28,821,000 | 4,516 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 1,657 |
| Cost of funding earning assets | 0.6361% | 2,081 |
| Net interest margin | 3.7382% | 1,676 |
| Noninterest income to average assets | 0.2924% | 3,736 |
| Noninterest expense to average assets | 3.4802% | 710 |
| Loan and lease loss provision to assets | 0.4608% | 597 |
| Net operating income to assets | -0.2858% | 4,834 |
| Return on assets (ROA) | -0.2880% | 4,851 |
| Pretax return on assets | -0.2791% | 4,836 |
| Return on Equity (ROE) | -3.2622% | 4,873 |
| Retained earnings to average equity (ytd only) | -7.6035% | 4,879 |
| Net charge-offs to loans | 0.6927% | 217 |
| Credit loss provision to net charge-offs | 94.9772% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.3790% | 3,325 |
| Efficiency ratio | 94.9819% | 251 |
| Assets per employee ($millions) | 3.5958% | 4,612 |
| Cash dividends to net income (ytd only)* | -133.0769% | 4,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,757 |
| Loan loss allowance to noncurrent loans | 797.7273% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,845 |
| Noncurrent loans to loans | 0.1552% | 3,664 |
| Net loans and leases to total assets | 59.8802% | 2,878 |
| Net loans and leases to deposits | 66.6484% | 3,213 |
| Net loans and leases to core deposits | 67.2392% | 3,463 |
| Total domestic deposits to total assets | 89.8449% | 622 |
| Equity capital to assets | 8.0693% | 4,677 |
| Core capital (leverage) ratio | 7.8424% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,141,000 | 4,705 |
| Average earning assets | $40,714,600 | 4,708 |
| Average equity | $3,985,000 | 4,842 |
| Average total loans | $31,615,000 | 4,488 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,311 |
| Cost of funding earning assets | 0.6512% | 2,317 |
| Net interest margin | 3.9471% | 1,244 |
| Noninterest income to average assets | 0.2921% | 3,736 |
| Noninterest expense to average assets | 3.5344% | 677 |
| Loan and lease loss provision to assets | 0.0246% | 4,028 |
| Net operating income to assets | 0.2770% | 4,481 |
| Return on assets (ROA) | 0.2742% | 4,530 |
| Pretax return on assets | 0.2891% | 4,559 |
| Return on Equity (ROE) | 3.0375% | 4,381 |
| Retained earnings to average equity (ytd only) | -2.0801% | 4,708 |
| Net charge-offs to loans | -0.0082% | 4,178 |
| Credit loss provision to net charge-offs | -400.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7957% | 320 |
| Assets per employee ($millions) | 3.2775% | 4,749 |
| Cash dividends to net income (ytd only)* | 168.4783% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,513 |
| Loan loss allowance to noncurrent loans | 453.6585% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 3,541 |
| Noncurrent loans to loans | 0.2708% | 3,322 |
| Net loans and leases to total assets | 65.1847% | 2,621 |
| Net loans and leases to deposits | 73.4438% | 3,004 |
| Net loans and leases to core deposits | 73.4438% | 3,360 |
| Total domestic deposits to total assets | 88.7545% | 875 |
| Equity capital to assets | 8.7545% | 4,289 |
| Core capital (leverage) ratio | 8.6422% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,740,000 | 4,733 |
| Average earning assets | $40,332,000 | 4,735 |
| Average equity | $4,038,250 | 4,864 |
| Average total loans | $32,433,250 | 4,498 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8007% | 1,170 |
| Cost of funding earning assets | 0.6687% | 2,567 |
| Net interest margin | 4.1320% | 1,054 |
| Noninterest income to average assets | 0.2841% | 3,762 |
| Noninterest expense to average assets | 3.5890% | 665 |
| Loan and lease loss provision to assets | 0.0361% | 3,818 |
| Net operating income to assets | 0.3694% | 4,293 |
| Return on assets (ROA) | 0.3652% | 4,361 |
| Pretax return on assets | 0.3878% | 4,432 |
| Return on Equity (ROE) | 4.0046% | 4,106 |
| Retained earnings to average equity (ytd only) | -2.0270% | 4,590 |
| Net charge-offs to loans | -0.0121% | 4,257 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3378% | 405 |
| Assets per employee ($millions) | 3.2731% | 4,755 |
| Cash dividends to net income (ytd only)* | 150.6173% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,746 |
| Loan loss allowance to noncurrent loans | 609.8361% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,855 |
| Noncurrent loans to loans | 0.1896% | 3,701 |
| Net loans and leases to total assets | 69.3953% | 2,125 |
| Net loans and leases to deposits | 78.2802% | 2,623 |
| Net loans and leases to core deposits | 78.2802% | 3,083 |
| Total domestic deposits to total assets | 88.6498% | 887 |
| Equity capital to assets | 8.8253% | 4,237 |
| Core capital (leverage) ratio | 8.8666% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,358,333 | 4,759 |
| Average earning assets | $40,077,333 | 4,761 |
| Average equity | $4,045,333 | 4,892 |
| Average total loans | $33,150,333 | 4,501 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 1,103 |
| Cost of funding earning assets | 0.6891% | 2,978 |
| Net interest margin | 4.2458% | 837 |
| Noninterest income to average assets | 0.3301% | 3,550 |
| Noninterest expense to average assets | 3.7867% | 633 |
| Loan and lease loss provision to assets | 0.0734% | 2,815 |
| Net operating income to assets | 0.2934% | 4,361 |
| Return on assets (ROA) | 0.2934% | 4,382 |
| Pretax return on assets | 0.3117% | 4,436 |
| Return on Equity (ROE) | 3.1636% | 4,174 |
| Retained earnings to average equity (ytd only) | -6.7227% | 4,632 |
| Net charge-offs to loans | -0.0119% | 4,132 |
| Credit loss provision to net charge-offs | -800.0000% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7692% | 471 |
| Assets per employee ($millions) | 3.1389% | 4,733 |
| Cash dividends to net income (ytd only)* | 312.5000% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,201 |
| Loan loss allowance to noncurrent loans | 3,372.7273% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,502 |
| Noncurrent loans to loans | 0.0326% | 4,431 |
| Net loans and leases to total assets | 75.8898% | 1,323 |
| Net loans and leases to deposits | 86.6163% | 1,919 |
| Net loans and leases to core deposits | 86.6163% | 2,632 |
| Total domestic deposits to total assets | 87.6161% | 1,266 |
| Equity capital to assets | 9.1457% | 4,511 |
| Core capital (leverage) ratio | 9.0559% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,626,000 | 4,804 |
| Average earning assets | $39,474,500 | 4,794 |
| Average equity | $4,046,000 | 4,932 |
| Average total loans | $33,640,000 | 4,513 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 1,678 |
| Cost of funding earning assets | 0.6643% | 3,332 |
| Net interest margin | 4.2620% | 1,180 |
| Noninterest income to average assets | 0.2967% | 3,904 |
| Noninterest expense to average assets | 3.5844% | 866 |
| Loan and lease loss provision to assets | 0.0223% | 3,579 |
| Net operating income to assets | 0.5866% | 4,201 |
| Return on assets (ROA) | 0.5866% | 4,258 |
| Pretax return on assets | 0.6111% | 4,397 |
| Return on Equity (ROE) | 6.5780% | 3,717 |
| Retained earnings to average equity (ytd only) | 2.4011% | 3,820 |
| Net charge-offs to loans | 0.0620% | 2,216 |
| Credit loss provision to net charge-offs | 47.6190% | 3,148 |
| Earnings coverage of net charge-offs (x) | 13.5238% | 2,354 |
| Efficiency ratio | 84.9815% | 605 |
| Assets per employee ($millions) | 2.8872% | 4,868 |
| Cash dividends to net income (ytd only)* | 63.4981% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,069 |
| Loan loss allowance to noncurrent loans | 658.1818% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,010 |
| Noncurrent loans to loans | 0.1639% | 3,875 |
| Net loans and leases to total assets | 76.6556% | 1,302 |
| Net loans and leases to deposits | 88.2386% | 1,814 |
| Net loans and leases to core deposits | 88.2386% | 2,583 |
| Total domestic deposits to total assets | 86.8731% | 1,675 |
| Equity capital to assets | 9.4047% | 4,422 |
| Core capital (leverage) ratio | 9.1955% | 4,363 |
| Tier 1 risk-based capital ratio | 13.3495% | 3,609 |
| Total risk-based capital ratio | 14.5392% | 3,519 |
| Memoranda: | ||
| Average total assets | $44,833,600 | 4,833 |
| Average earning assets | $41,247,800 | 4,825 |
| Average equity | $3,998,200 | 4,991 |
| Average total loans | $33,852,200 | 4,560 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 1,805 |
| Cost of funding earning assets | 0.6596% | 3,399 |
| Net interest margin | 4.2456% | 1,269 |
| Noninterest income to average assets | 0.3008% | 3,936 |
| Noninterest expense to average assets | 3.5563% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6281% | 4,222 |
| Return on assets (ROA) | 0.6281% | 4,270 |
| Pretax return on assets | 0.6546% | 4,438 |
| Return on Equity (ROE) | 7.1363% | 3,628 |
| Retained earnings to average equity (ytd only) | 2.2113% | 4,200 |
| Net charge-offs to loans | -0.0079% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4538% | 582 |
| Assets per employee ($millions) | 2.9167% | 4,932 |
| Cash dividends to net income (ytd only)* | 69.0165% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 2,907 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,751 |
| Noncurrent loans to loans | 0.0060% | 4,659 |
| Net loans and leases to total assets | 75.5726% | 1,549 |
| Net loans and leases to deposits | 87.2835% | 2,023 |
| Net loans and leases to core deposits | 87.2835% | 2,802 |
| Total domestic deposits to total assets | 86.5829% | 1,731 |
| Equity capital to assets | 9.2457% | 4,635 |
| Core capital (leverage) ratio | 8.9646% | 4,663 |
| Tier 1 risk-based capital ratio | 13.2423% | 3,723 |
| Total risk-based capital ratio | 14.4766% | 3,634 |
| Memoranda: | ||
| Average total assets | $45,215,000 | 4,898 |
| Average earning assets | $41,642,000 | 4,890 |
| Average equity | $3,979,500 | 5,065 |
| Average total loans | $33,925,250 | 4,621 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 1,944 |
| Cost of funding earning assets | 0.6314% | 3,504 |
| Net interest margin | 4.2064% | 1,348 |
| Noninterest income to average assets | 0.2888% | 4,010 |
| Noninterest expense to average assets | 3.5052% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6345% | 4,210 |
| Return on assets (ROA) | 0.6345% | 4,256 |
| Pretax return on assets | 0.6608% | 4,424 |
| Return on Equity (ROE) | 7.3275% | 3,560 |
| Retained earnings to average equity (ytd only) | 1.0612% | 4,419 |
| Net charge-offs to loans | -0.0235% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1387% | 643 |
| Assets per employee ($millions) | 3.0244% | 4,893 |
| Cash dividends to net income (ytd only)* | 85.5172% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 2,871 |
| Loan loss allowance to noncurrent loans | 1,178.1250% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,406 |
| Noncurrent loans to loans | 0.0964% | 4,248 |
| Net loans and leases to total assets | 72.3493% | 2,168 |
| Net loans and leases to deposits | 83.4168% | 2,555 |
| Net loans and leases to core deposits | 83.9609% | 3,109 |
| Total domestic deposits to total assets | 86.7324% | 1,712 |
| Equity capital to assets | 8.8172% | 4,894 |
| Core capital (leverage) ratio | 8.6939% | 4,849 |
| Tier 1 risk-based capital ratio | 13.0075% | 3,832 |
| Total risk-based capital ratio | 14.2368% | 3,752 |
| Memoranda: | ||
| Average total assets | $45,703,330 | 4,935 |
| Average earning assets | $42,126,330 | 4,920 |
| Average equity | $3,957,670 | 5,111 |
| Average total loans | $34,087,330 | 4,651 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 1,975 |
| Cost of funding earning assets | 0.6120% | 3,502 |
| Net interest margin | 4.1613% | 1,399 |
| Noninterest income to average assets | 0.3139% | 3,760 |
| Noninterest expense to average assets | 3.7234% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4273% | 4,672 |
| Return on assets (ROA) | 0.4273% | 4,684 |
| Pretax return on assets | 0.4447% | 4,782 |
| Return on Equity (ROE) | 4.9790% | 4,332 |
| Retained earnings to average equity (ytd only) | -5.3855% | 4,943 |
| Net charge-offs to loans | -0.0348% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3305% | 422 |
| Assets per employee ($millions) | 3.0347% | 4,954 |
| Cash dividends to net income (ytd only)* | 208.1633% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,191 |
| Loan loss allowance to noncurrent loans | 3,760.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,747 |
| Noncurrent loans to loans | 0.0289% | 4,650 |
| Net loans and leases to total assets | 75.1368% | 1,619 |
| Net loans and leases to deposits | 86.8317% | 2,022 |
| Net loans and leases to core deposits | 87.3952% | 2,747 |
| Total domestic deposits to total assets | 86.5315% | 2,049 |
| Equity capital to assets | 8.5982% | 4,926 |
| Core capital (leverage) ratio | 8.5121% | 5,002 |
| Tier 1 risk-based capital ratio | 12.3610% | 4,260 |
| Total risk-based capital ratio | 13.5488% | 4,159 |
| Memoranda: | ||
| Average total assets | $45,872,000 | 4,980 |
| Average earning assets | $42,486,500 | 4,968 |
| Average equity | $3,936,500 | 5,158 |
| Average total loans | $34,531,500 | 4,687 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 2,102 |
| Cost of funding earning assets | 0.5005% | 3,352 |
| Net interest margin | 4.1124% | 1,645 |
| Noninterest income to average assets | 0.2985% | 4,110 |
| Noninterest expense to average assets | 3.5411% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5213% | 4,616 |
| Return on assets (ROA) | 0.5213% | 4,614 |
| Pretax return on assets | 0.5430% | 4,730 |
| Return on Equity (ROE) | 6.1842% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.3351% | 4,222 |
| Net charge-offs to loans | 0.1845% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.9841% | 3,353 |
| Efficiency ratio | 86.7055% | 491 |
| Assets per employee ($millions) | 2.8889% | 5,050 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,213 |
| Loan loss allowance to noncurrent loans | 3,390.9091% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 4,753 |
| Noncurrent loans to loans | 0.0319% | 4,630 |
| Net loans and leases to total assets | 73.7966% | 1,970 |
| Net loans and leases to deposits | 85.5899% | 2,331 |
| Net loans and leases to core deposits | 86.1389% | 2,903 |
| Total domestic deposits to total assets | 86.2211% | 2,124 |
| Equity capital to assets | 8.5650% | 4,883 |
| Core capital (leverage) ratio | 8.6301% | 4,933 |
| Tier 1 risk-based capital ratio | 12.4725% | 4,155 |
| Total risk-based capital ratio | 13.6452% | 4,071 |
| Memoranda: | ||
| Average total assets | $46,228,200 | 5,013 |
| Average earning assets | $42,553,800 | 5,003 |
| Average equity | $3,897,000 | 5,194 |
| Average total loans | $34,153,600 | 4,714 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 2,171 |
| Cost of funding earning assets | 0.4931% | 3,243 |
| Net interest margin | 4.0418% | 1,815 |
| Noninterest income to average assets | 0.3345% | 3,921 |
| Noninterest expense to average assets | 3.5359% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4903% | 4,778 |
| Return on assets (ROA) | 0.4903% | 4,786 |
| Pretax return on assets | 0.5105% | 4,888 |
| Return on Equity (ROE) | 5.8395% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.4085% | 4,747 |
| Net charge-offs to loans | 0.2309% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.0001% | 3,200 |
| Efficiency ratio | 87.3842% | 438 |
| Assets per employee ($millions) | 2.7795% | 5,168 |
| Cash dividends to net income (ytd only)* | 75.8846% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,334 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 4,159 |
| Noncurrent loans to loans | 0.0740% | 4,544 |
| Net loans and leases to total assets | 78.1211% | 1,326 |
| Net loans and leases to deposits | 91.5444% | 1,683 |
| Net loans and leases to core deposits | 92.1563% | 2,467 |
| Total domestic deposits to total assets | 85.3368% | 2,473 |
| Equity capital to assets | 8.7718% | 4,735 |
| Core capital (leverage) ratio | 8.6316% | 5,010 |
| Tier 1 risk-based capital ratio | 12.1280% | 4,428 |
| Total risk-based capital ratio | 13.2955% | 4,364 |
| Memoranda: | ||
| Average total assets | $46,229,500 | 5,064 |
| Average earning assets | $42,455,250 | 5,064 |
| Average equity | $3,881,500 | 5,262 |
| Average total loans | $34,071,000 | 4,765 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 2,500 |
| Cost of funding earning assets | 0.4882% | 3,106 |
| Net interest margin | 3.8870% | 2,248 |
| Noninterest income to average assets | 0.3503% | 3,820 |
| Noninterest expense to average assets | 3.4732% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4315% | 4,901 |
| Return on assets (ROA) | 0.4315% | 4,908 |
| Pretax return on assets | 0.4486% | 4,991 |
| Return on Equity (ROE) | 5.2129% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.8774% | 4,786 |
| Net charge-offs to loans | 0.3499% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.7797% | 3,028 |
| Efficiency ratio | 88.5621% | 431 |
| Assets per employee ($millions) | 2.9058% | 5,159 |
| Cash dividends to net income (ytd only)* | 83.1683% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 4,355 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.4404% | 2,206 |
| Net loans and leases to deposits | 84.6270% | 2,462 |
| Net loans and leases to core deposits | 85.1663% | 3,000 |
| Total domestic deposits to total assets | 85.5997% | 2,456 |
| Equity capital to assets | 8.3455% | 5,051 |
| Core capital (leverage) ratio | 8.3758% | 5,181 |
| Tier 1 risk-based capital ratio | 12.3052% | 4,307 |
| Total risk-based capital ratio | 13.4971% | 4,220 |
| Memoranda: | ||
| Average total assets | $46,815,330 | 5,113 |
| Average earning assets | $43,015,330 | 5,106 |
| Average equity | $3,875,000 | 5,321 |
| Average total loans | $33,721,670 | 4,816 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,604 |
| Cost of funding earning assets | 0.4826% | 2,933 |
| Net interest margin | 3.7959% | 2,444 |
| Noninterest income to average assets | 0.2980% | 4,170 |
| Noninterest expense to average assets | 3.5251% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2469% | 5,186 |
| Return on assets (ROA) | 0.2469% | 5,187 |
| Pretax return on assets | 0.2554% | 5,210 |
| Return on Equity (ROE) | 2.9955% | 5,022 |
| Retained earnings to average equity (ytd only) | 0.8263% | 4,661 |
| Net charge-offs to loans | 0.5603% | 267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.6383% | 2,629 |
| Efficiency ratio | 93.2432% | 325 |
| Assets per employee ($millions) | 3.1493% | 5,043 |
| Cash dividends to net income (ytd only)* | 72.4138% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,447 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.6895% | 2,373 |
| Net loans and leases to deposits | 82.6785% | 2,527 |
| Net loans and leases to core deposits | 83.1934% | 3,041 |
| Total domestic deposits to total assets | 85.4993% | 2,753 |
| Equity capital to assets | 8.2009% | 5,176 |
| Core capital (leverage) ratio | 8.3915% | 5,210 |
| Tier 1 risk-based capital ratio | 12.4201% | 4,293 |
| Total risk-based capital ratio | 13.6640% | 4,194 |
| Memoranda: | ||
| Average total assets | $46,977,000 | 5,168 |
| Average earning assets | $43,099,000 | 5,163 |
| Average equity | $3,872,500 | 5,379 |
| Average total loans | $33,554,500 | 4,877 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 2,379 |
| Cost of funding earning assets | 0.4836% | 2,470 |
| Net interest margin | 3.8017% | 2,420 |
| Noninterest income to average assets | 0.3212% | 4,165 |
| Noninterest expense to average assets | 3.5228% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3275% | 4,882 |
| Return on assets (ROA) | 0.3275% | 4,900 |
| Pretax return on assets | 0.3464% | 5,158 |
| Return on Equity (ROE) | 3.9832% | 4,507 |
| Retained earnings to average equity (ytd only) | -2.9874% | 5,345 |
| Net charge-offs to loans | 0.0115% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 1,238 |
| Efficiency ratio | 91.0472% | 379 |
| Assets per employee ($millions) | 2.9197% | 5,254 |
| Cash dividends to net income (ytd only)* | 175.0000% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,174 |
| Loan loss allowance to noncurrent loans | 927.6596% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,626 |
| Noncurrent loans to loans | 0.1410% | 4,358 |
| Net loans and leases to total assets | 70.4078% | 2,466 |
| Net loans and leases to deposits | 82.4418% | 2,678 |
| Net loans and leases to core deposits | 82.9617% | 3,153 |
| Total domestic deposits to total assets | 85.4030% | 2,691 |
| Equity capital to assets | 8.2864% | 5,264 |
| Core capital (leverage) ratio | 8.1610% | 5,371 |
| Tier 1 risk-based capital ratio | 12.6675% | 4,108 |
| Total risk-based capital ratio | 13.9196% | 4,001 |
| Memoranda: | ||
| Average total assets | $47,632,000 | 5,199 |
| Average earning assets | $44,453,800 | 5,181 |
| Average equity | $3,916,400 | 5,438 |
| Average total loans | $34,801,200 | 4,876 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 2,403 |
| Cost of funding earning assets | 0.4786% | 2,442 |
| Net interest margin | 3.7786% | 2,473 |
| Noninterest income to average assets | 0.3343% | 4,140 |
| Noninterest expense to average assets | 3.4376% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4151% | 4,970 |
| Return on assets (ROA) | 0.4151% | 4,999 |
| Pretax return on assets | 0.4374% | 5,129 |
| Return on Equity (ROE) | 5.0579% | 4,512 |
| Retained earnings to average equity (ytd only) | -3.5644% | 5,508 |
| Net charge-offs to loans | 0.0227% | 3,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 26.1663% | 1,694 |
| Efficiency ratio | 88.7132% | 465 |
| Assets per employee ($millions) | 2.9189% | 5,316 |
| Cash dividends to net income (ytd only)* | 170.4722% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,418 |
| Loan loss allowance to noncurrent loans | 287.4172% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,762 |
| Noncurrent loans to loans | 0.4482% | 3,358 |
| Net loans and leases to total assets | 71.2053% | 2,377 |
| Net loans and leases to deposits | 83.5007% | 2,615 |
| Net loans and leases to core deposits | 83.5007% | 3,176 |
| Total domestic deposits to total assets | 85.2750% | 2,608 |
| Equity capital to assets | 8.3335% | 5,378 |
| Core capital (leverage) ratio | 8.1436% | 5,451 |
| Tier 1 risk-based capital ratio | 12.8432% | 4,119 |
| Total risk-based capital ratio | 14.0955% | 4,015 |
| Memoranda: | ||
| Average total assets | $47,861,250 | 5,251 |
| Average earning assets | $44,847,750 | 5,231 |
| Average equity | $3,927,750 | 5,491 |
| Average total loans | $35,169,750 | 4,913 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,346 |
| Cost of funding earning assets | 0.4724% | 2,393 |
| Net interest margin | 3.7613% | 2,433 |
| Noninterest income to average assets | 0.3275% | 4,204 |
| Noninterest expense to average assets | 3.4116% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4270% | 4,906 |
| Return on assets (ROA) | 0.4270% | 4,933 |
| Pretax return on assets | 0.4477% | 5,087 |
| Return on Equity (ROE) | 5.2289% | 4,383 |
| Retained earnings to average equity (ytd only) | -6.8026% | 5,584 |
| Net charge-offs to loans | 0.0505% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,230 |
| Efficiency ratio | 88.3996% | 529 |
| Assets per employee ($millions) | 3.1783% | 5,120 |
| Cash dividends to net income (ytd only)* | 230.0971% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,657 |
| Loan loss allowance to noncurrent loans | 230.4813% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,546 |
| Noncurrent loans to loans | 0.5444% | 3,114 |
| Net loans and leases to total assets | 71.1520% | 2,348 |
| Net loans and leases to deposits | 83.0603% | 2,594 |
| Net loans and leases to core deposits | 83.0603% | 3,169 |
| Total domestic deposits to total assets | 85.6630% | 2,540 |
| Equity capital to assets | 8.1050% | 5,486 |
| Core capital (leverage) ratio | 7.9902% | 5,533 |
| Tier 1 risk-based capital ratio | 12.4887% | 4,312 |
| Total risk-based capital ratio | 13.7414% | 4,206 |
| Memoranda: | ||
| Average total assets | $48,247,330 | 5,286 |
| Average earning assets | $45,303,330 | 5,254 |
| Average equity | $3,939,670 | 5,527 |
| Average total loans | $35,663,330 | 4,936 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 2,027 |
| Cost of funding earning assets | 0.4654% | 2,380 |
| Net interest margin | 3.8109% | 2,081 |
| Noninterest income to average assets | 0.3461% | 4,073 |
| Noninterest expense to average assets | 3.4038% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4945% | 4,623 |
| Return on assets (ROA) | 0.4945% | 4,644 |
| Pretax return on assets | 0.5192% | 4,929 |
| Return on Equity (ROE) | 6.0339% | 3,892 |
| Retained earnings to average equity (ytd only) | -4.0226% | 5,331 |
| Net charge-offs to loans | -0.0220% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7647% | 741 |
| Assets per employee ($millions) | 3.0691% | 5,300 |
| Cash dividends to net income (ytd only)* | 166.6667% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,792 |
| Loan loss allowance to noncurrent loans | 818.5185% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,829 |
| Noncurrent loans to loans | 0.1533% | 4,575 |
| Net loans and leases to total assets | 70.8406% | 2,245 |
| Net loans and leases to deposits | 82.4864% | 2,449 |
| Net loans and leases to core deposits | 82.4864% | 3,042 |
| Total domestic deposits to total assets | 85.8816% | 2,727 |
| Equity capital to assets | 8.0601% | 5,496 |
| Core capital (leverage) ratio | 8.0579% | 5,533 |
| Tier 1 risk-based capital ratio | 12.4822% | 4,401 |
| Total risk-based capital ratio | 13.7330% | 4,304 |
| Memoranda: | ||
| Average total assets | $48,534,000 | 5,338 |
| Average earning assets | $45,554,000 | 5,304 |
| Average equity | $3,977,500 | 5,588 |
| Average total loans | $36,319,000 | 4,965 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 1,772 |
| Cost of funding earning assets | 0.4883% | 2,180 |
| Net interest margin | 3.9307% | 1,854 |
| Noninterest income to average assets | 0.3468% | 4,252 |
| Noninterest expense to average assets | 3.3937% | 1,373 |
| Loan and lease loss provision to assets | 0.0831% | 2,696 |
| Net operating income to assets | 0.5525% | 4,426 |
| Return on assets (ROA) | 0.5525% | 4,527 |
| Pretax return on assets | 0.5815% | 4,836 |
| Return on Equity (ROE) | 6.6394% | 3,673 |
| Retained earnings to average equity (ytd only) | -2.4710% | 5,562 |
| Net charge-offs to loans | -0.0821% | 5,523 |
| Credit loss provision to net charge-offs | -129.0323% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6233% | 1,044 |
| Assets per employee ($millions) | 3.1975% | 5,149 |
| Cash dividends to net income (ytd only)* | 137.2180% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 3,268 |
| Loan loss allowance to noncurrent loans | 3,142.8571% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,254 |
| Noncurrent loans to loans | 0.0374% | 5,107 |
| Net loans and leases to total assets | 77.0798% | 1,349 |
| Net loans and leases to deposits | 90.1661% | 1,664 |
| Net loans and leases to core deposits | 90.1661% | 2,485 |
| Total domestic deposits to total assets | 85.4864% | 2,839 |
| Equity capital to assets | 8.3337% | 5,400 |
| Core capital (leverage) ratio | 8.2767% | 5,452 |
| Tier 1 risk-based capital ratio | 12.0288% | 4,710 |
| Total risk-based capital ratio | 13.2804% | 4,592 |
| Memoranda: | ||
| Average total assets | $48,148,200 | 5,384 |
| Average earning assets | $45,462,200 | 5,347 |
| Average equity | $4,006,400 | 5,642 |
| Average total loans | $37,779,000 | 4,953 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 1,755 |
| Cost of funding earning assets | 0.4914% | 2,158 |
| Net interest margin | 3.9398% | 1,854 |
| Noninterest income to average assets | 0.3569% | 4,230 |
| Noninterest expense to average assets | 3.3668% | 1,420 |
| Loan and lease loss provision to assets | 0.1107% | 2,079 |
| Net operating income to assets | 0.5754% | 4,388 |
| Return on assets (ROA) | 0.5754% | 4,501 |
| Pretax return on assets | 0.6059% | 4,865 |
| Return on Equity (ROE) | 6.9181% | 3,602 |
| Retained earnings to average equity (ytd only) | -4.5900% | 5,724 |
| Net charge-offs to loans | -0.1021% | 5,575 |
| Credit loss provision to net charge-offs | -137.9310% | 4,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4526% | 1,138 |
| Assets per employee ($millions) | 3.1851% | 5,201 |
| Cash dividends to net income (ytd only)* | 166.3433% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 3,485 |
| Loan loss allowance to noncurrent loans | 952.1739% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 5,055 |
| Noncurrent loans to loans | 0.1218% | 4,854 |
| Net loans and leases to total assets | 78.1024% | 1,176 |
| Net loans and leases to deposits | 91.4314% | 1,573 |
| Net loans and leases to core deposits | 91.4314% | 2,443 |
| Total domestic deposits to total assets | 85.4219% | 2,635 |
| Equity capital to assets | 8.3032% | 5,622 |
| Core capital (leverage) ratio | 8.1247% | 5,629 |
| Tier 1 risk-based capital ratio | 11.7960% | 4,921 |
| Total risk-based capital ratio | 13.0466% | 4,816 |
| Memoranda: | ||
| Average total assets | $48,194,750 | 5,435 |
| Average earning assets | $45,585,500 | 5,396 |
| Average equity | $4,008,750 | 5,704 |
| Average total loans | $37,871,500 | 4,994 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 1,666 |
| Cost of funding earning assets | 0.4995% | 2,104 |
| Net interest margin | 3.9522% | 1,799 |
| Noninterest income to average assets | 0.3559% | 4,229 |
| Noninterest expense to average assets | 3.3641% | 1,455 |
| Loan and lease loss provision to assets | 0.1655% | 1,356 |
| Net operating income to assets | 0.5296% | 4,561 |
| Return on assets (ROA) | 0.5296% | 4,682 |
| Pretax return on assets | 0.5586% | 5,004 |
| Return on Equity (ROE) | 6.3639% | 3,867 |
| Retained earnings to average equity (ytd only) | -8.0046% | 5,837 |
| Net charge-offs to loans | -0.0633% | 5,456 |
| Credit loss provision to net charge-offs | -333.3333% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2874% | 1,238 |
| Assets per employee ($millions) | 3.0658% | 5,360 |
| Cash dividends to net income (ytd only)* | 225.7813% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,907 |
| Loan loss allowance to noncurrent loans | 8,420.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,581 |
| Noncurrent loans to loans | 0.0132% | 5,436 |
| Net loans and leases to total assets | 76.6232% | 1,395 |
| Net loans and leases to deposits | 89.2313% | 1,837 |
| Net loans and leases to core deposits | 89.2313% | 2,613 |
| Total domestic deposits to total assets | 85.8704% | 2,479 |
| Equity capital to assets | 8.0464% | 5,794 |
| Core capital (leverage) ratio | 8.0087% | 5,724 |
| Tier 1 risk-based capital ratio | 11.4977% | 5,157 |
| Total risk-based capital ratio | 12.7297% | 5,055 |
| Memoranda: | ||
| Average total assets | $48,334,000 | 5,496 |
| Average earning assets | $45,645,330 | 5,456 |
| Average equity | $4,022,670 | 5,762 |
| Average total loans | $37,911,000 | 5,044 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 1,399 |
| Cost of funding earning assets | 0.4866% | 2,210 |
| Net interest margin | 4.0519% | 1,472 |
| Noninterest income to average assets | 0.4002% | 3,828 |
| Noninterest expense to average assets | 3.4101% | 1,361 |
| Loan and lease loss provision to assets | 0.2501% | 705 |
| Net operating income to assets | 0.5336% | 4,490 |
| Return on assets (ROA) | 0.5336% | 4,599 |
| Pretax return on assets | 0.5586% | 4,929 |
| Return on Equity (ROE) | 6.3046% | 3,828 |
| Retained earnings to average equity (ytd only) | -7.7823% | 5,741 |
| Net charge-offs to loans | -0.1268% | 5,722 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8300% | 1,503 |
| Assets per employee ($millions) | 3.4627% | 4,864 |
| Cash dividends to net income (ytd only)* | 223.4375% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 4,142 |
| Loan loss allowance to noncurrent loans | 2,417.6471% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,497 |
| Noncurrent loans to loans | 0.0448% | 5,315 |
| Net loans and leases to total assets | 77.3897% | 1,194 |
| Net loans and leases to deposits | 90.4373% | 1,525 |
| Net loans and leases to core deposits | 90.4373% | 2,331 |
| Total domestic deposits to total assets | 85.5728% | 2,876 |
| Equity capital to assets | 8.3027% | 5,693 |
| Core capital (leverage) ratio | 8.3356% | 5,536 |
| Tier 1 risk-based capital ratio | 11.7427% | 5,085 |
| Total risk-based capital ratio | 12.9456% | 5,019 |
| Memoranda: | ||
| Average total assets | $47,974,500 | 5,552 |
| Average earning assets | $45,213,000 | 5,519 |
| Average equity | $4,060,500 | 5,804 |
| Average total loans | $37,863,000 | 5,081 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,379 |
| Cost of funding earning assets | 0.4907% | 2,247 |
| Net interest margin | 4.0925% | 1,426 |
| Noninterest income to average assets | 0.3897% | 4,110 |
| Noninterest expense to average assets | 3.5418% | 1,229 |
| Loan and lease loss provision to assets | 0.0433% | 3,466 |
| Net operating income to assets | 0.6516% | 4,030 |
| Return on assets (ROA) | 0.6516% | 4,128 |
| Pretax return on assets | 0.6863% | 4,563 |
| Return on Equity (ROE) | 7.4417% | 3,278 |
| Retained earnings to average equity (ytd only) | -0.4450% | 5,580 |
| Net charge-offs to loans | -0.0377% | 5,479 |
| Credit loss provision to net charge-offs | -142.8571% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9194% | 1,280 |
| Assets per employee ($millions) | 3.1647% | 5,331 |
| Cash dividends to net income (ytd only)* | 105.9801% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 4,734 |
| Loan loss allowance to noncurrent loans | 1,118.1818% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 5,354 |
| Noncurrent loans to loans | 0.0873% | 5,148 |
| Net loans and leases to total assets | 78.8460% | 1,013 |
| Net loans and leases to deposits | 92.0785% | 1,391 |
| Net loans and leases to core deposits | 92.0785% | 2,210 |
| Total domestic deposits to total assets | 85.6291% | 2,798 |
| Equity capital to assets | 8.6284% | 5,444 |
| Core capital (leverage) ratio | 8.6173% | 5,316 |
| Tier 1 risk-based capital ratio | 11.9971% | 4,950 |
| Total risk-based capital ratio | 13.0784% | 4,972 |
| Memoranda: | ||
| Average total assets | $46,191,200 | 5,629 |
| Average earning assets | $43,811,800 | 5,586 |
| Average equity | $4,044,800 | 5,843 |
| Average total loans | $37,106,600 | 5,115 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,395 |
| Cost of funding earning assets | 0.4800% | 2,410 |
| Net interest margin | 4.0965% | 1,413 |
| Noninterest income to average assets | 0.4011% | 4,078 |
| Noninterest expense to average assets | 3.5025% | 1,280 |
| Loan and lease loss provision to assets | 0.0581% | 3,024 |
| Net operating income to assets | 0.6976% | 3,908 |
| Return on assets (ROA) | 0.6976% | 4,019 |
| Pretax return on assets | 0.7354% | 4,552 |
| Return on Equity (ROE) | 7.9363% | 3,109 |
| Retained earnings to average equity (ytd only) | -1.8849% | 5,845 |
| Net charge-offs to loans | -0.0505% | 5,552 |
| Credit loss provision to net charge-offs | -142.8571% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5291% | 1,457 |
| Assets per employee ($millions) | 2.7323% | 5,814 |
| Cash dividends to net income (ytd only)* | 123.7507% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 80.4797% | 751 |
| Net loans and leases to deposits | 94.2966% | 1,171 |
| Net loans and leases to core deposits | 94.2966% | 2,048 |
| Total domestic deposits to total assets | 85.3474% | 2,850 |
| Equity capital to assets | 8.7515% | 5,536 |
| Core capital (leverage) ratio | 8.7434% | 5,305 |
| Tier 1 risk-based capital ratio | 11.8229% | 5,183 |
| Total risk-based capital ratio | 12.8998% | 5,215 |
| Memoranda: | ||
| Average total assets | $45,871,250 | 5,710 |
| Average earning assets | $43,613,250 | 5,665 |
| Average equity | $4,032,000 | 5,926 |
| Average total loans | $36,933,750 | 5,176 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 1,249 |
| Cost of funding earning assets | 0.4615% | 2,595 |
| Net interest margin | 4.1531% | 1,218 |
| Noninterest income to average assets | 0.3853% | 4,190 |
| Noninterest expense to average assets | 3.4633% | 1,359 |
| Loan and lease loss provision to assets | 0.0876% | 2,358 |
| Net operating income to assets | 0.7356% | 3,711 |
| Return on assets (ROA) | 0.7356% | 3,824 |
| Pretax return on assets | 0.7750% | 4,406 |
| Return on Equity (ROE) | 8.3561% | 2,873 |
| Retained earnings to average equity (ytd only) | -4.3273% | 5,991 |
| Net charge-offs to loans | -0.0709% | 5,669 |
| Credit loss provision to net charge-offs | -153.8462% | 4,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0607% | 1,752 |
| Assets per employee ($millions) | 2.6834% | 5,932 |
| Cash dividends to net income (ytd only)* | 151.7857% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,905 |
| Loan loss allowance to noncurrent loans | 751.0204% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,431 |
| Noncurrent loans to loans | 0.1321% | 5,219 |
| Net loans and leases to total assets | 80.4945% | 738 |
| Net loans and leases to deposits | 94.5174% | 1,101 |
| Net loans and leases to core deposits | 94.5174% | 1,907 |
| Total domestic deposits to total assets | 85.1638% | 3,054 |
| Equity capital to assets | 8.8364% | 5,397 |
| Core capital (leverage) ratio | 8.6766% | 5,347 |
| Tier 1 risk-based capital ratio | 11.6534% | 5,366 |
| Total risk-based capital ratio | 12.7199% | 5,402 |
| Memoranda: | ||
| Average total assets | $45,678,670 | 5,776 |
| Average earning assets | $43,341,000 | 5,729 |
| Average equity | $4,021,000 | 5,990 |
| Average total loans | $36,661,330 | 5,235 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 1,214 |
| Cost of funding earning assets | 0.4426% | 2,852 |
| Net interest margin | 4.1586% | 1,150 |
| Noninterest income to average assets | 0.3850% | 4,121 |
| Noninterest expense to average assets | 3.4216% | 1,450 |
| Loan and lease loss provision to assets | 0.1750% | 1,112 |
| Net operating income to assets | 0.7001% | 3,798 |
| Return on assets (ROA) | 0.7001% | 3,925 |
| Pretax return on assets | 0.7351% | 4,479 |
| Return on Equity (ROE) | 7.9681% | 2,973 |
| Retained earnings to average equity (ytd only) | -4.2829% | 5,882 |
| Net charge-offs to loans | -0.0988% | 5,853 |
| Credit loss provision to net charge-offs | -222.2222% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9899% | 2,044 |
| Assets per employee ($millions) | 2.7249% | 5,949 |
| Cash dividends to net income (ytd only)* | 153.7500% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 5,123 |
| Loan loss allowance to noncurrent loans | 2,141.1765% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 5,790 |
| Noncurrent loans to loans | 0.0459% | 5,600 |
| Net loans and leases to total assets | 79.2246% | 776 |
| Net loans and leases to deposits | 92.8785% | 1,101 |
| Net loans and leases to core deposits | 92.8785% | 1,865 |
| Total domestic deposits to total assets | 85.2992% | 3,266 |
| Equity capital to assets | 8.6327% | 5,628 |
| Core capital (leverage) ratio | 8.7062% | 5,320 |
| Tier 1 risk-based capital ratio | 11.5756% | 5,506 |
| Total risk-based capital ratio | 12.6329% | 5,528 |
| Memoranda: | ||
| Average total assets | $45,709,000 | 5,826 |
| Average earning assets | $43,380,000 | 5,772 |
| Average equity | $4,016,000 | 6,049 |
| Average total loans | $36,448,000 | 5,276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 1,895 |
| Cost of funding earning assets | 0.4931% | 2,735 |
| Net interest margin | 4.0000% | 1,896 |
| Noninterest income to average assets | 0.3602% | 4,520 |
| Noninterest expense to average assets | 3.6439% | 1,225 |
| Loan and lease loss provision to assets | 0.0110% | 4,406 |
| Net operating income to assets | 0.4766% | 4,898 |
| Return on assets (ROA) | 0.4766% | 4,992 |
| Pretax return on assets | 0.5008% | 5,251 |
| Return on Equity (ROE) | 5.4643% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.7627% | 4,935 |
| Net charge-offs to loans | 0.0539% | 3,755 |
| Credit loss provision to net charge-offs | 27.7778% | 3,873 |
| Earnings coverage of net charge-offs (x) | 12.9444% | 2,321 |
| Efficiency ratio | 87.6850% | 1,019 |
| Assets per employee ($millions) | 2.8184% | 5,909 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 5,351 |
| Loan loss allowance to noncurrent loans | 364.1304% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 5,208 |
| Noncurrent loans to loans | 0.2568% | 4,918 |
| Net loans and leases to total assets | 78.7178% | 914 |
| Net loans and leases to deposits | 89.1347% | 1,601 |
| Net loans and leases to core deposits | 89.1347% | 2,368 |
| Total domestic deposits to total assets | 88.3133% | 1,611 |
| Equity capital to assets | 8.9435% | 5,346 |
| Core capital (leverage) ratio | 8.7645% | 5,275 |
| Tier 1 risk-based capital ratio | 11.8890% | 5,434 |
| Total risk-based capital ratio | 12.8778% | 5,504 |
| Memoranda: | ||
| Average total assets | $45,528,600 | 5,890 |
| Average earning assets | $43,199,600 | 5,845 |
| Average equity | $3,971,200 | 6,095 |
| Average total loans | $33,365,200 | 5,427 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 2,113 |
| Cost of funding earning assets | 0.5070% | 2,689 |
| Net interest margin | 3.9241% | 2,142 |
| Noninterest income to average assets | 0.3564% | 4,588 |
| Noninterest expense to average assets | 3.6198% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4441% | 5,102 |
| Return on assets (ROA) | 0.4441% | 5,174 |
| Pretax return on assets | 0.4674% | 5,413 |
| Return on Equity (ROE) | 5.1232% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.0112% | 5,480 |
| Net charge-offs to loans | 0.0407% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.0038% | 2,013 |
| Efficiency ratio | 88.5633% | 952 |
| Assets per employee ($millions) | 2.8080% | 5,953 |
| Cash dividends to net income (ytd only)* | 80.2625% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 5,369 |
| Loan loss allowance to noncurrent loans | 5,633.3333% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 6,127 |
| Noncurrent loans to loans | 0.0171% | 5,962 |
| Net loans and leases to total assets | 77.2369% | 1,060 |
| Net loans and leases to deposits | 87.4367% | 1,738 |
| Net loans and leases to core deposits | 87.4367% | 2,486 |
| Total domestic deposits to total assets | 88.3347% | 1,583 |
| Equity capital to assets | 8.8876% | 5,479 |
| Core capital (leverage) ratio | 8.8394% | 5,284 |
| Tier 1 risk-based capital ratio | 11.8928% | 5,559 |
| Total risk-based capital ratio | 12.8977% | 5,622 |
| Memoranda: | ||
| Average total assets | $45,637,250 | 5,957 |
| Average earning assets | $43,388,750 | 5,910 |
| Average equity | $3,955,750 | 6,166 |
| Average total loans | $32,748,500 | 5,506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,317 |
| Cost of funding earning assets | 0.5191% | 2,642 |
| Net interest margin | 3.8449% | 2,400 |
| Noninterest income to average assets | 0.3401% | 4,706 |
| Noninterest expense to average assets | 3.6448% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3270% | 5,472 |
| Return on assets (ROA) | 0.3270% | 5,546 |
| Pretax return on assets | 0.3444% | 5,689 |
| Return on Equity (ROE) | 3.8039% | 5,229 |
| Retained earnings to average equity (ytd only) | -1.1665% | 5,878 |
| Net charge-offs to loans | 0.0875% | 2,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.6429% | 2,893 |
| Efficiency ratio | 91.3661% | 811 |
| Assets per employee ($millions) | 2.8169% | 6,008 |
| Cash dividends to net income (ytd only)* | 130.6667% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 5,318 |
| Loan loss allowance to noncurrent loans | 5,550.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 6,203 |
| Noncurrent loans to loans | 0.0181% | 6,021 |
| Net loans and leases to total assets | 72.6914% | 1,620 |
| Net loans and leases to deposits | 80.0401% | 2,510 |
| Net loans and leases to core deposits | 80.5319% | 3,156 |
| Total domestic deposits to total assets | 90.8187% | 465 |
| Equity capital to assets | 8.7553% | 5,563 |
| Core capital (leverage) ratio | 8.6305% | 5,495 |
| Tier 1 risk-based capital ratio | 12.1204% | 5,472 |
| Total risk-based capital ratio | 13.1461% | 5,520 |
| Memoranda: | ||
| Average total assets | $45,873,670 | 6,008 |
| Average earning assets | $43,538,330 | 5,959 |
| Average equity | $3,943,330 | 6,213 |
| Average total loans | $31,985,000 | 5,578 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,372 |
| Cost of funding earning assets | 0.5389% | 2,516 |
| Net interest margin | 3.7996% | 2,472 |
| Noninterest income to average assets | 0.3544% | 4,543 |
| Noninterest expense to average assets | 3.5959% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3371% | 5,365 |
| Return on assets (ROA) | 0.3371% | 5,418 |
| Pretax return on assets | 0.3544% | 5,585 |
| Return on Equity (ROE) | 3.9574% | 5,058 |
| Retained earnings to average equity (ytd only) | -3.6530% | 6,025 |
| Net charge-offs to loans | 0.2164% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.4118% | 2,880 |
| Efficiency ratio | 91.0284% | 950 |
| Assets per employee ($millions) | 2.8673% | 6,020 |
| Cash dividends to net income (ytd only)* | 192.3077% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,285 |
| Loan loss allowance to noncurrent loans | 2,206.6667% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,195 |
| Noncurrent loans to loans | 0.0480% | 6,005 |
| Net loans and leases to total assets | 67.4107% | 2,316 |
| Net loans and leases to deposits | 74.0388% | 3,055 |
| Net loans and leases to core deposits | 74.6086% | 3,578 |
| Total domestic deposits to total assets | 91.0478% | 550 |
| Equity capital to assets | 8.5642% | 5,586 |
| Core capital (leverage) ratio | 8.4945% | 5,653 |
| Tier 1 risk-based capital ratio | 12.5617% | 5,278 |
| Total risk-based capital ratio | 13.6218% | 5,332 |
| Memoranda: | ||
| Average total assets | $46,275,500 | 6,063 |
| Average earning assets | $43,794,500 | 6,011 |
| Average equity | $3,942,000 | 6,260 |
| Average total loans | $31,430,000 | 5,657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 3,068 |
| Cost of funding earning assets | 0.6350% | 2,338 |
| Net interest margin | 3.6348% | 3,308 |
| Noninterest income to average assets | 0.3535% | 4,781 |
| Noninterest expense to average assets | 3.5857% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1683% | 5,895 |
| Return on assets (ROA) | 0.1683% | 5,961 |
| Pretax return on assets | 0.1768% | 5,981 |
| Return on Equity (ROE) | 2.0080% | 5,836 |
| Retained earnings to average equity (ytd only) | -1.7821% | 6,151 |
| Net charge-offs to loans | 0.7519% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.3700% | 4,959 |
| Efficiency ratio | 95.3020% | 682 |
| Assets per employee ($millions) | 2.9171% | 5,960 |
| Cash dividends to net income (ytd only)* | 188.7500% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,142 |
| Loan loss allowance to noncurrent loans | 1,122.5806% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 6,155 |
| Noncurrent loans to loans | 0.0981% | 5,918 |
| Net loans and leases to total assets | 66.9645% | 2,527 |
| Net loans and leases to deposits | 74.3777% | 3,206 |
| Net loans and leases to core deposits | 74.9448% | 3,738 |
| Total domestic deposits to total assets | 90.0330% | 1,052 |
| Equity capital to assets | 8.4737% | 5,608 |
| Core capital (leverage) ratio | 8.4311% | 5,743 |
| Tier 1 risk-based capital ratio | 12.3877% | 5,365 |
| Total risk-based capital ratio | 13.4769% | 5,405 |
| Memoranda: | ||
| Average total assets | $47,522,200 | 6,078 |
| Average earning assets | $44,568,800 | 6,035 |
| Average equity | $3,984,000 | 6,329 |
| Average total loans | $30,190,400 | 5,753 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 3,272 |
| Cost of funding earning assets | 0.6464% | 2,391 |
| Net interest margin | 3.5836% | 3,520 |
| Noninterest income to average assets | 0.3715% | 4,736 |
| Noninterest expense to average assets | 3.5082% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2123% | 5,880 |
| Return on assets (ROA) | 0.2123% | 5,963 |
| Pretax return on assets | 0.2234% | 6,005 |
| Return on Equity (ROE) | 2.5388% | 5,770 |
| Retained earnings to average equity (ytd only) | -1.6368% | 6,219 |
| Net charge-offs to loans | 0.7284% | 818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4908% | 4,697 |
| Efficiency ratio | 94.0120% | 734 |
| Assets per employee ($millions) | 2.9212% | 5,979 |
| Cash dividends to net income (ytd only)* | 164.4725% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,181 |
| Loan loss allowance to noncurrent loans | 87.1036% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 3,630 |
| Noncurrent loans to loans | 1.5415% | 2,852 |
| Net loans and leases to total assets | 64.7682% | 2,856 |
| Net loans and leases to deposits | 71.1445% | 3,621 |
| Net loans and leases to core deposits | 72.1724% | 4,068 |
| Total domestic deposits to total assets | 91.0375% | 515 |
| Equity capital to assets | 8.5389% | 5,687 |
| Core capital (leverage) ratio | 8.3982% | 5,858 |
| Tier 1 risk-based capital ratio | 12.6213% | 5,376 |
| Total risk-based capital ratio | 13.8707% | 5,320 |
| Memoranda: | ||
| Average total assets | $47,734,250 | 6,145 |
| Average earning assets | $44,758,000 | 6,099 |
| Average equity | $3,991,250 | 6,403 |
| Average total loans | $29,837,250 | 5,825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 3,315 |
| Cost of funding earning assets | 0.6559% | 2,446 |
| Net interest margin | 3.5563% | 3,534 |
| Noninterest income to average assets | 0.3246% | 5,106 |
| Noninterest expense to average assets | 3.5701% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0666% | 6,208 |
| Return on assets (ROA) | 0.0666% | 6,286 |
| Pretax return on assets | 0.0707% | 6,274 |
| Return on Equity (ROE) | 0.8017% | 6,256 |
| Retained earnings to average equity (ytd only) | -4.2091% | 6,413 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0571% | 563 |
| Assets per employee ($millions) | 2.9745% | 5,891 |
| Cash dividends to net income (ytd only)* | 625.0000% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,036 |
| Loan loss allowance to noncurrent loans | 101.2324% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 2,483 |
| Noncurrent loans to loans | 1.9022% | 2,503 |
| Net loans and leases to total assets | 61.5335% | 3,382 |
| Net loans and leases to deposits | 67.3978% | 4,090 |
| Net loans and leases to core deposits | 68.7474% | 4,426 |
| Total domestic deposits to total assets | 91.2990% | 447 |
| Equity capital to assets | 8.3123% | 5,961 |
| Core capital (leverage) ratio | 8.2323% | 5,979 |
| Tier 1 risk-based capital ratio | 12.6540% | 5,390 |
| Total risk-based capital ratio | 13.9113% | 5,327 |
| Memoranda: | ||
| Average total assets | $48,066,000 | 6,180 |
| Average earning assets | $44,821,330 | 6,145 |
| Average equity | $3,991,330 | 6,453 |
| Average total loans | $29,555,000 | 5,865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 3,299 |
| Cost of funding earning assets | 0.6585% | 2,573 |
| Net interest margin | 3.5419% | 3,511 |
| Noninterest income to average assets | 0.3395% | 4,981 |
| Noninterest expense to average assets | 3.6934% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0580% | 6,412 |
| Return on assets (ROA) | -0.0580% | 6,464 |
| Pretax return on assets | -0.0580% | 6,448 |
| Return on Equity (ROE) | -0.6984% | 6,480 |
| Retained earnings to average equity (ytd only) | -8.2814% | 6,538 |
| Net charge-offs to loans | 0.2585% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3684% | 3,906 |
| Efficiency ratio | 101.5945% | 494 |
| Assets per employee ($millions) | 3.0089% | 5,971 |
| Cash dividends to net income (ytd only)* | -1,085.7143% | 7,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 2,213 |
| Loan loss allowance to noncurrent loans | 67.5577% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.2101% | 2,108 |
| Noncurrent loans to loans | 2.8622% | 1,770 |
| Net loans and leases to total assets | 58.5726% | 3,680 |
| Net loans and leases to deposits | 64.0762% | 4,300 |
| Net loans and leases to core deposits | 65.3367% | 4,608 |
| Total domestic deposits to total assets | 91.4108% | 382 |
| Equity capital to assets | 8.2381% | 6,225 |
| Core capital (leverage) ratio | 8.1239% | 6,025 |
| Tier 1 risk-based capital ratio | 12.9394% | 5,272 |
| Total risk-based capital ratio | 14.1953% | 5,213 |
| Memoranda: | ||
| Average total assets | $48,303,000 | 6,229 |
| Average earning assets | $44,947,500 | 6,189 |
| Average equity | $4,009,000 | 6,514 |
| Average total loans | $29,402,500 | 5,914 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 2,672 |
| Cost of funding earning assets | 0.8733% | 2,107 |
| Net interest margin | 3.8086% | 3,192 |
| Noninterest income to average assets | 0.4678% | 4,115 |
| Noninterest expense to average assets | 3.1623% | 2,728 |
| Loan and lease loss provision to assets | 0.4504% | 1,396 |
| Net operating income to assets | 0.3980% | 5,110 |
| Return on assets (ROA) | 0.3980% | 5,350 |
| Pretax return on assets | 0.4193% | 5,525 |
| Return on Equity (ROE) | 5.1283% | 4,618 |
| Retained earnings to average equity (ytd only) | 2.5016% | 4,471 |
| Net charge-offs to loans | 0.9500% | 1,163 |
| Credit loss provision to net charge-offs | 74.3590% | 4,030 |
| Earnings coverage of net charge-offs (x) | 1.4359% | 4,731 |
| Efficiency ratio | 78.4304% | 2,371 |
| Assets per employee ($millions) | 3.0290% | 5,974 |
| Cash dividends to net income (ytd only)* | 51.2195% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 2,258 |
| Loan loss allowance to noncurrent loans | 53.3890% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 2.7195% | 1,775 |
| Noncurrent loans to loans | 3.5839% | 1,375 |
| Net loans and leases to total assets | 60.8204% | 3,451 |
| Net loans and leases to deposits | 66.6305% | 4,187 |
| Net loans and leases to core deposits | 68.7214% | 4,459 |
| Total domestic deposits to total assets | 91.2801% | 408 |
| Equity capital to assets | 8.3608% | 6,152 |
| Core capital (leverage) ratio | 8.0861% | 6,106 |
| Tier 1 risk-based capital ratio | 12.7375% | 5,305 |
| Total risk-based capital ratio | 13.9958% | 5,233 |
| Memoranda: | ||
| Average total assets | $51,512,400 | 6,165 |
| Average earning assets | $48,206,200 | 6,116 |
| Average equity | $3,997,400 | 6,568 |
| Average total loans | $32,842,400 | 5,810 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 2,790 |
| Cost of funding earning assets | 0.9140% | 2,078 |
| Net interest margin | 3.7915% | 3,370 |
| Noninterest income to average assets | 0.5356% | 3,706 |
| Noninterest expense to average assets | 3.1066% | 2,868 |
| Loan and lease loss provision to assets | 0.4464% | 1,409 |
| Net operating income to assets | 0.5203% | 4,760 |
| Return on assets (ROA) | 0.5203% | 5,022 |
| Pretax return on assets | 0.5484% | 5,310 |
| Return on Equity (ROE) | 6.8275% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.2171% | 3,926 |
| Net charge-offs to loans | 1.1250% | 896 |
| Credit loss provision to net charge-offs | 61.8375% | 4,107 |
| Earnings coverage of net charge-offs (x) | 1.3781% | 4,608 |
| Efficiency ratio | 75.7463% | 2,710 |
| Assets per employee ($millions) | 3.3388% | 5,342 |
| Cash dividends to net income (ytd only)* | 38.2367% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 3,056 |
| Loan loss allowance to noncurrent loans | 51.0242% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.1445% | 2,499 |
| Noncurrent loans to loans | 3.3799% | 1,621 |
| Net loans and leases to total assets | 62.3537% | 3,325 |
| Net loans and leases to deposits | 68.2028% | 4,151 |
| Net loans and leases to core deposits | 70.2890% | 4,470 |
| Total domestic deposits to total assets | 91.4241% | 302 |
| Equity capital to assets | 8.1526% | 6,516 |
| Core capital (leverage) ratio | 7.9052% | 6,396 |
| Tier 1 risk-based capital ratio | 12.2556% | 5,801 |
| Total risk-based capital ratio | 13.5096% | 5,772 |
| Memoranda: | ||
| Average total assets | $52,274,500 | 6,211 |
| Average earning assets | $49,161,000 | 6,155 |
| Average equity | $3,983,750 | 6,649 |
| Average total loans | $33,540,250 | 5,850 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 2,593 |
| Cost of funding earning assets | 0.9266% | 2,216 |
| Net interest margin | 3.8506% | 3,135 |
| Noninterest income to average assets | 0.6603% | 2,891 |
| Noninterest expense to average assets | 2.9997% | 3,256 |
| Loan and lease loss provision to assets | 0.4717% | 1,354 |
| Net operating income to assets | 0.7697% | 3,515 |
| Return on assets (ROA) | 0.7697% | 3,790 |
| Pretax return on assets | 0.8112% | 4,438 |
| Return on Equity (ROE) | 10.3274% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.6949% | 1,764 |
| Net charge-offs to loans | 1.5705% | 608 |
| Credit loss provision to net charge-offs | 46.6418% | 4,114 |
| Earnings coverage of net charge-offs (x) | 1.2687% | 4,375 |
| Efficiency ratio | 70.0441% | 3,753 |
| Assets per employee ($millions) | 3.1434% | 5,766 |
| Cash dividends to net income (ytd only)* | 25.4902% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,710 |
| Loan loss allowance to noncurrent loans | 69.1892% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 3,143 |
| Noncurrent loans to loans | 2.2667% | 2,656 |
| Net loans and leases to total assets | 60.1332% | 3,791 |
| Net loans and leases to deposits | 66.8303% | 4,391 |
| Net loans and leases to core deposits | 68.7608% | 4,701 |
| Total domestic deposits to total assets | 89.9790% | 933 |
| Equity capital to assets | 7.6893% | 6,716 |
| Core capital (leverage) ratio | 7.6667% | 6,534 |
| Tier 1 risk-based capital ratio | 11.8276% | 6,040 |
| Total risk-based capital ratio | 13.0796% | 6,008 |
| Memoranda: | ||
| Average total assets | $53,005,330 | 6,230 |
| Average earning assets | $49,862,000 | 6,164 |
| Average equity | $3,950,670 | 6,697 |
| Average total loans | $34,128,330 | 5,869 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 2,129 |
| Cost of funding earning assets | 0.9960% | 2,006 |
| Net interest margin | 3.9356% | 2,781 |
| Noninterest income to average assets | 0.3410% | 5,126 |
| Noninterest expense to average assets | 2.9552% | 3,429 |
| Loan and lease loss provision to assets | 0.6668% | 803 |
| Net operating income to assets | 0.3864% | 5,315 |
| Return on assets (ROA) | 0.3864% | 5,495 |
| Pretax return on assets | 0.4016% | 5,720 |
| Return on Equity (ROE) | 5.2693% | 4,656 |
| Retained earnings to average equity (ytd only) | 2.6863% | 4,915 |
| Net charge-offs to loans | 2.7761% | 275 |
| Credit loss provision to net charge-offs | 36.3636% | 3,508 |
| Earnings coverage of net charge-offs (x) | 0.5826% | 4,044 |
| Efficiency ratio | 73.4463% | 3,187 |
| Assets per employee ($millions) | 2.9673% | 6,224 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 4,144 |
| Loan loss allowance to noncurrent loans | 62.3910% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8404% | 3,127 |
| Noncurrent loans to loans | 2.4080% | 2,699 |
| Net loans and leases to total assets | 61.4967% | 3,354 |
| Net loans and leases to deposits | 68.1438% | 4,035 |
| Net loans and leases to core deposits | 70.0924% | 4,405 |
| Total domestic deposits to total assets | 90.2455% | 946 |
| Equity capital to assets | 7.4573% | 6,797 |
| Core capital (leverage) ratio | 7.5541% | 6,597 |
| Tier 1 risk-based capital ratio | 11.3473% | 6,362 |
| Total risk-based capital ratio | 12.5983% | 6,345 |
| Memoranda: | ||
| Average total assets | $52,789,000 | 6,275 |
| Average earning assets | $49,395,500 | 6,223 |
| Average equity | $3,871,500 | 6,758 |
| Average total loans | $34,869,500 | 5,877 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 1,394 |
| Cost of funding earning assets | 1.3860% | 1,095 |
| Net interest margin | 4.0243% | 2,766 |
| Noninterest income to average assets | 0.3735% | 4,840 |
| Noninterest expense to average assets | 3.0634% | 3,342 |
| Loan and lease loss provision to assets | 2.3440% | 207 |
| Net operating income to assets | -1.2143% | 6,828 |
| Return on assets (ROA) | -1.2143% | 6,850 |
| Pretax return on assets | -1.2143% | 6,819 |
| Return on Equity (ROE) | -16.0280% | 6,906 |
| Retained earnings to average equity (ytd only) | -23.2406% | 7,015 |
| Net charge-offs to loans | 3.0299% | 316 |
| Credit loss provision to net charge-offs | 110.6864% | 3,015 |
| Earnings coverage of net charge-offs (x) | 0.5334% | 5,427 |
| Efficiency ratio | 73.0584% | 3,383 |
| Assets per employee ($millions) | 2.8982% | 6,290 |
| Cash dividends to net income (ytd only)* | -45.0000% | 7,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,873 |
| Loan loss allowance to noncurrent loans | 99.0923% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 3,538 |
| Noncurrent loans to loans | 1.8163% | 3,445 |
| Net loans and leases to total assets | 68.5050% | 2,306 |
| Net loans and leases to deposits | 75.6691% | 3,224 |
| Net loans and leases to core deposits | 77.5257% | 3,746 |
| Total domestic deposits to total assets | 90.5323% | 702 |
| Equity capital to assets | 7.2076% | 6,903 |
| Core capital (leverage) ratio | 6.9500% | 6,878 |
| Tier 1 risk-based capital ratio | 10.1265% | 6,817 |
| Total risk-based capital ratio | 11.3835% | 6,803 |
| Memoranda: | ||
| Average total assets | $54,350,600 | 6,218 |
| Average earning assets | $51,587,200 | 6,138 |
| Average equity | $4,117,800 | 6,722 |
| Average total loans | $37,988,000 | 5,786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 1,512 |
| Cost of funding earning assets | 1.4296% | 1,110 |
| Net interest margin | 3.9678% | 3,059 |
| Noninterest income to average assets | 0.3886% | 4,747 |
| Noninterest expense to average assets | 2.9436% | 3,764 |
| Loan and lease loss provision to assets | 2.2636% | 217 |
| Net operating income to assets | -1.0371% | 6,899 |
| Return on assets (ROA) | -1.0371% | 6,926 |
| Pretax return on assets | -1.0371% | 6,888 |
| Return on Equity (ROE) | -13.5319% | 6,981 |
| Retained earnings to average equity (ytd only) | -22.1518% | 7,112 |
| Net charge-offs to loans | 3.1815% | 283 |
| Credit loss provision to net charge-offs | 101.7467% | 3,293 |
| Earnings coverage of net charge-offs (x) | 0.5513% | 5,218 |
| Efficiency ratio | 70.5882% | 3,836 |
| Assets per employee ($millions) | 3.1318% | 5,834 |
| Cash dividends to net income (ytd only)* | -63.7006% | 7,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 4,264 |
| Loan loss allowance to noncurrent loans | 43.4921% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3666% | 2,714 |
| Noncurrent loans to loans | 3.3705% | 2,048 |
| Net loans and leases to total assets | 69.1867% | 2,242 |
| Net loans and leases to deposits | 74.8770% | 3,528 |
| Net loans and leases to core deposits | 77.7159% | 3,950 |
| Total domestic deposits to total assets | 92.4005% | 167 |
| Equity capital to assets | 7.1844% | 7,017 |
| Core capital (leverage) ratio | 6.9063% | 6,985 |
| Tier 1 risk-based capital ratio | 9.8748% | 6,988 |
| Total risk-based capital ratio | 11.1265% | 6,974 |
| Memoranda: | ||
| Average total assets | $54,896,500 | 6,248 |
| Average earning assets | $52,319,500 | 6,159 |
| Average equity | $4,207,250 | 6,739 |
| Average total loans | $38,387,000 | 5,818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 1,681 |
| Cost of funding earning assets | 1.4376% | 1,246 |
| Net interest margin | 3.9252% | 3,188 |
| Noninterest income to average assets | 0.3787% | 4,859 |
| Noninterest expense to average assets | 2.9360% | 3,878 |
| Loan and lease loss provision to assets | 1.4752% | 483 |
| Net operating income to assets | -0.2705% | 6,534 |
| Return on assets (ROA) | -0.2705% | 6,565 |
| Pretax return on assets | -0.2705% | 6,510 |
| Return on Equity (ROE) | -3.4605% | 6,618 |
| Retained earnings to average equity (ytd only) | -13.3343% | 6,985 |
| Net charge-offs to loans | 1.3274% | 1,152 |
| Credit loss provision to net charge-offs | 159.1440% | 1,909 |
| Earnings coverage of net charge-offs (x) | 1.2996% | 4,312 |
| Efficiency ratio | 70.9059% | 3,949 |
| Assets per employee ($millions) | 3.0822% | 5,914 |
| Cash dividends to net income (ytd only)* | -285.3333% | 7,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 3,002 |
| Loan loss allowance to noncurrent loans | 56.8220% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1665% | 3,030 |
| Noncurrent loans to loans | 3.1638% | 2,269 |
| Net loans and leases to total assets | 67.2477% | 2,781 |
| Net loans and leases to deposits | 73.1205% | 3,925 |
| Net loans and leases to core deposits | 75.4296% | 4,387 |
| Total domestic deposits to total assets | 91.9683% | 239 |
| Equity capital to assets | 7.6262% | 6,891 |
| Core capital (leverage) ratio | 7.5214% | 6,730 |
| Tier 1 risk-based capital ratio | 10.7920% | 6,668 |
| Total risk-based capital ratio | 12.0494% | 6,634 |
| Memoranda: | ||
| Average total assets | $55,448,670 | 6,276 |
| Average earning assets | $53,144,000 | 6,179 |
| Average equity | $4,334,670 | 6,737 |
| Average total loans | $38,721,670 | 5,858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4465% | 1,436 |
| Cost of funding earning assets | 1.4840% | 1,236 |
| Net interest margin | 3.9624% | 2,858 |
| Noninterest income to average assets | 0.3897% | 4,789 |
| Noninterest expense to average assets | 2.9297% | 3,947 |
| Loan and lease loss provision to assets | 2.4967% | 201 |
| Net operating income to assets | -1.2411% | 7,116 |
| Return on assets (ROA) | -1.2411% | 7,121 |
| Pretax return on assets | -1.2411% | 7,076 |
| Return on Equity (ROE) | -15.6845% | 7,159 |
| Retained earnings to average equity (ytd only) | -18.6937% | 7,133 |
| Net charge-offs to loans | 2.6096% | 420 |
| Credit loss provision to net charge-offs | 135.6863% | 2,052 |
| Earnings coverage of net charge-offs (x) | 0.6824% | 4,111 |
| Efficiency ratio | 70.0000% | 4,271 |
| Assets per employee ($millions) | 3.1069% | 5,936 |
| Cash dividends to net income (ytd only)* | -19.1860% | 7,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,698 |
| Loan loss allowance to noncurrent loans | 60.5442% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.8400% | 3,509 |
| Noncurrent loans to loans | 2.6537% | 2,837 |
| Net loans and leases to total assets | 68.2217% | 2,502 |
| Net loans and leases to deposits | 74.2016% | 3,731 |
| Net loans and leases to core deposits | 76.8377% | 4,188 |
| Total domestic deposits to total assets | 91.9410% | 303 |
| Equity capital to assets | 7.6513% | 6,781 |
| Core capital (leverage) ratio | 7.5740% | 6,680 |
| Tier 1 risk-based capital ratio | 10.7630% | 6,657 |
| Total risk-based capital ratio | 12.0176% | 6,642 |
| Memoranda: | ||
| Average total assets | $55,433,000 | 6,328 |
| Average earning assets | $53,098,500 | 6,232 |
| Average equity | $4,386,500 | 6,753 |
| Average total loans | $39,086,500 | 5,889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9584% | 927 |
| Cost of funding earning assets | 1.7502% | 1,377 |
| Net interest margin | 4.2082% | 2,152 |
| Noninterest income to average assets | 0.4208% | 4,739 |
| Noninterest expense to average assets | 3.0063% | 3,832 |
| Loan and lease loss provision to assets | 0.4448% | 3,463 |
| Net operating income to assets | 0.9357% | 2,257 |
| Return on assets (ROA) | 0.9357% | 2,387 |
| Pretax return on assets | 0.9855% | 2,979 |
| Return on Equity (ROE) | 11.9587% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.3498% | 877 |
| Net charge-offs to loans | 0.4515% | 3,810 |
| Credit loss provision to net charge-offs | 136.9318% | 2,796 |
| Earnings coverage of net charge-offs (x) | 4.4034% | 2,936 |
| Efficiency ratio | 67.7621% | 4,608 |
| Assets per employee ($millions) | 3.0523% | 5,997 |
| Cash dividends to net income (ytd only)* | 30.1775% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,745 |
| Loan loss allowance to noncurrent loans | 155.1020% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 5,762 |
| Noncurrent loans to loans | 0.8706% | 5,324 |
| Net loans and leases to total assets | 70.7395% | 2,367 |
| Net loans and leases to deposits | 77.4404% | 3,599 |
| Net loans and leases to core deposits | 79.7591% | 4,246 |
| Total domestic deposits to total assets | 91.3471% | 441 |
| Equity capital to assets | 8.1797% | 6,283 |
| Core capital (leverage) ratio | 8.0109% | 6,184 |
| Tier 1 risk-based capital ratio | 11.2821% | 6,106 |
| Total risk-based capital ratio | 12.5321% | 6,092 |
| Memoranda: | ||
| Average total assets | $54,186,600 | 6,397 |
| Average earning assets | $51,708,400 | 6,305 |
| Average equity | $4,239,600 | 6,907 |
| Average total loans | $38,984,600 | 5,967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 940 |
| Cost of funding earning assets | 1.8105% | 1,375 |
| Net interest margin | 4.1883% | 2,259 |
| Noninterest income to average assets | 0.4370% | 4,658 |
| Noninterest expense to average assets | 2.9828% | 3,808 |
| Loan and lease loss provision to assets | 0.3309% | 3,952 |
| Net operating income to assets | 1.0593% | 2,040 |
| Return on assets (ROA) | 1.0593% | 2,147 |
| Pretax return on assets | 1.1161% | 2,775 |
| Return on Equity (ROE) | 13.6971% | 1,099 |
| Retained earnings to average equity (ytd only) | 9.4507% | 922 |
| Net charge-offs to loans | 0.3429% | 3,935 |
| Credit loss provision to net charge-offs | 134.0000% | 3,015 |
| Earnings coverage of net charge-offs (x) | 5.8600% | 2,661 |
| Efficiency ratio | 67.3356% | 4,601 |
| Assets per employee ($millions) | 3.2136% | 5,648 |
| Cash dividends to net income (ytd only)* | 31.0023% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,073 |
| Loan loss allowance to noncurrent loans | 219.7368% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 6,378 |
| Noncurrent loans to loans | 0.5815% | 6,048 |
| Net loans and leases to total assets | 70.8590% | 2,521 |
| Net loans and leases to deposits | 77.6565% | 3,894 |
| Net loans and leases to core deposits | 80.4134% | 4,467 |
| Total domestic deposits to total assets | 91.2467% | 368 |
| Equity capital to assets | 8.1822% | 6,630 |
| Core capital (leverage) ratio | 7.9856% | 6,364 |
| Tier 1 risk-based capital ratio | 11.1660% | 6,225 |
| Total risk-based capital ratio | 12.4168% | 6,224 |
| Memoranda: | ||
| Average total assets | $53,998,000 | 6,476 |
| Average earning assets | $51,476,000 | 6,385 |
| Average equity | $4,176,000 | 7,023 |
| Average total loans | $38,881,500 | 6,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 965 |
| Cost of funding earning assets | 1.8392% | 1,490 |
| Net interest margin | 4.1539% | 2,320 |
| Noninterest income to average assets | 0.4536% | 4,485 |
| Noninterest expense to average assets | 3.0007% | 3,709 |
| Loan and lease loss provision to assets | 0.2789% | 4,169 |
| Net operating income to assets | 1.0820% | 1,914 |
| Return on assets (ROA) | 1.0820% | 1,987 |
| Pretax return on assets | 1.1378% | 2,641 |
| Return on Equity (ROE) | 14.2717% | 981 |
| Retained earnings to average equity (ytd only) | 9.2202% | 1,041 |
| Net charge-offs to loans | 0.5520% | 2,876 |
| Credit loss provision to net charge-offs | 70.0935% | 4,962 |
| Earnings coverage of net charge-offs (x) | 3.5607% | 3,268 |
| Efficiency ratio | 67.9293% | 4,596 |
| Assets per employee ($millions) | 3.0692% | 5,995 |
| Cash dividends to net income (ytd only)* | 35.3952% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,894 |
| Loan loss allowance to noncurrent loans | 61.9658% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 4,606 |
| Noncurrent loans to loans | 1.7933% | 4,012 |
| Net loans and leases to total assets | 70.0702% | 2,878 |
| Net loans and leases to deposits | 76.2448% | 4,286 |
| Net loans and leases to core deposits | 78.8813% | 4,817 |
| Total domestic deposits to total assets | 91.9017% | 238 |
| Equity capital to assets | 7.5354% | 7,087 |
| Core capital (leverage) ratio | 7.4796% | 6,840 |
| Tier 1 risk-based capital ratio | 10.3980% | 6,762 |
| Total risk-based capital ratio | 11.4958% | 6,862 |
| Memoranda: | ||
| Average total assets | $53,787,000 | 6,527 |
| Average earning assets | $51,325,670 | 6,430 |
| Average equity | $4,078,000 | 7,096 |
| Average total loans | $38,771,330 | 6,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 961 |
| Cost of funding earning assets | 1.9244% | 1,348 |
| Net interest margin | 4.0864% | 2,501 |
| Noninterest income to average assets | 0.4750% | 4,246 |
| Noninterest expense to average assets | 3.0005% | 3,679 |
| Loan and lease loss provision to assets | 0.2789% | 3,797 |
| Net operating income to assets | 1.0328% | 2,057 |
| Return on assets (ROA) | 1.0328% | 2,117 |
| Pretax return on assets | 1.0856% | 2,786 |
| Return on Equity (ROE) | 13.5795% | 1,127 |
| Retained earnings to average equity (ytd only) | 11.8944% | 762 |
| Net charge-offs to loans | 0.1970% | 3,730 |
| Credit loss provision to net charge-offs | 194.7368% | 1,904 |
| Earnings coverage of net charge-offs (x) | 9.5263% | 1,840 |
| Efficiency ratio | 68.7392% | 4,564 |
| Assets per employee ($millions) | 3.1926% | 5,785 |
| Cash dividends to net income (ytd only)* | 12.4088% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 5,071 |
| Loan loss allowance to noncurrent loans | 126.6319% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 5,760 |
| Noncurrent loans to loans | 1.0062% | 5,313 |
| Net loans and leases to total assets | 69.2363% | 3,099 |
| Net loans and leases to deposits | 75.2538% | 4,538 |
| Net loans and leases to core deposits | 77.4596% | 5,092 |
| Total domestic deposits to total assets | 92.0037% | 237 |
| Equity capital to assets | 7.5246% | 7,056 |
| Core capital (leverage) ratio | 7.6078% | 6,728 |
| Tier 1 risk-based capital ratio | 10.5241% | 6,610 |
| Total risk-based capital ratio | 11.7734% | 6,602 |
| Memoranda: | ||
| Average total assets | $53,057,500 | 6,631 |
| Average earning assets | $50,509,500 | 6,529 |
| Average equity | $4,035,500 | 7,171 |
| Average total loans | $38,584,000 | 6,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3242% | 977 |
| Cost of funding earning assets | 2.5013% | 1,022 |
| Net interest margin | 3.8229% | 3,607 |
| Noninterest income to average assets | 0.4852% | 4,526 |
| Noninterest expense to average assets | 3.0725% | 3,862 |
| Loan and lease loss provision to assets | 0.4518% | 4,118 |
| Net operating income to assets | 0.5835% | 3,389 |
| Return on assets (ROA) | 0.5835% | 3,464 |
| Pretax return on assets | 0.6149% | 3,865 |
| Return on Equity (ROE) | 7.6405% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.4056% | 1,188 |
| Net charge-offs to loans | 0.6162% | 3,365 |
| Credit loss provision to net charge-offs | 98.7124% | 5,645 |
| Earnings coverage of net charge-offs (x) | 2.3305% | 3,981 |
| Efficiency ratio | 74.2288% | 3,853 |
| Assets per employee ($millions) | 3.2400% | 5,624 |
| Cash dividends to net income (ytd only)* | 16.1616% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,405 |
| Loan loss allowance to noncurrent loans | 284.7561% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 6,643 |
| Noncurrent loans to loans | 0.4194% | 6,434 |
| Net loans and leases to total assets | 74.5332% | 2,136 |
| Net loans and leases to deposits | 81.2269% | 3,754 |
| Net loans and leases to core deposits | 104.7583% | 3,480 |
| Total domestic deposits to total assets | 91.7593% | 314 |
| Equity capital to assets | 7.6910% | 6,867 |
| Core capital (leverage) ratio | 7.5159% | 6,770 |
| Tier 1 risk-based capital ratio | 10.0973% | 6,791 |
| Total risk-based capital ratio | 11.2966% | 6,801 |
| Memoranda: | ||
| Average total assets | $50,903,000 | 6,669 |
| Average earning assets | $48,654,000 | 6,573 |
| Average equity | $3,887,200 | 7,334 |
| Average total loans | $37,809,400 | 6,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2913% | 1,153 |
| Cost of funding earning assets | 2.5939% | 1,048 |
| Net interest margin | 3.6974% | 4,083 |
| Noninterest income to average assets | 0.4973% | 4,504 |
| Noninterest expense to average assets | 2.9393% | 4,279 |
| Loan and lease loss provision to assets | 0.4605% | 3,609 |
| Net operating income to assets | 0.6105% | 3,578 |
| Return on assets (ROA) | 0.6105% | 3,623 |
| Pretax return on assets | 0.6421% | 4,050 |
| Return on Equity (ROE) | 8.0091% | 2,630 |
| Retained earnings to average equity (ytd only) | 6.9387% | 1,529 |
| Net charge-offs to loans | 0.4339% | 3,507 |
| Credit loss provision to net charge-offs | 143.4426% | 3,411 |
| Earnings coverage of net charge-offs (x) | 3.4345% | 3,533 |
| Efficiency ratio | 72.7214% | 4,101 |
| Assets per employee ($millions) | 3.2158% | 5,613 |
| Cash dividends to net income (ytd only)* | 13.3611% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,264 |
| Loan loss allowance to noncurrent loans | 97.7570% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0398% | 5,001 |
| Noncurrent loans to loans | 1.3701% | 4,630 |
| Net loans and leases to total assets | 74.8737% | 2,273 |
| Net loans and leases to deposits | 81.6048% | 4,094 |
| Net loans and leases to core deposits | 103.9532% | 3,943 |
| Total domestic deposits to total assets | 91.7515% | 213 |
| Equity capital to assets | 7.7004% | 7,148 |
| Core capital (leverage) ratio | 7.5470% | 6,920 |
| Tier 1 risk-based capital ratio | 10.0476% | 6,932 |
| Total risk-based capital ratio | 11.3000% | 6,879 |
| Memoranda: | ||
| Average total assets | $50,668,750 | 6,727 |
| Average earning assets | $48,574,000 | 6,631 |
| Average equity | $3,862,250 | 7,397 |
| Average total loans | $37,485,500 | 6,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2674% | 1,293 |
| Cost of funding earning assets | 2.6967% | 1,035 |
| Net interest margin | 3.5707% | 4,495 |
| Noninterest income to average assets | 0.4999% | 4,445 |
| Noninterest expense to average assets | 2.9678% | 4,218 |
| Loan and lease loss provision to assets | 0.4960% | 3,059 |
| Net operating income to assets | 0.4325% | 4,366 |
| Return on assets (ROA) | 0.4325% | 4,483 |
| Pretax return on assets | 0.4563% | 4,763 |
| Return on Equity (ROE) | 5.6934% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.5965% | 2,735 |
| Net charge-offs to loans | 0.2164% | 4,151 |
| Credit loss provision to net charge-offs | 312.5000% | 1,492 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,705 |
| Efficiency ratio | 75.7085% | 3,739 |
| Assets per employee ($millions) | 3.2321% | 5,502 |
| Cash dividends to net income (ytd only)* | 19.2661% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 3,419 |
| Loan loss allowance to noncurrent loans | 87.2642% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 4,483 |
| Noncurrent loans to loans | 1.6716% | 3,991 |
| Net loans and leases to total assets | 72.4987% | 3,088 |
| Net loans and leases to deposits | 78.9471% | 4,711 |
| Net loans and leases to core deposits | 99.9760% | 4,514 |
| Total domestic deposits to total assets | 91.8320% | 239 |
| Equity capital to assets | 7.4777% | 7,291 |
| Core capital (leverage) ratio | 7.1760% | 7,382 |
| Tier 1 risk-based capital ratio | 9.9008% | 7,040 |
| Total risk-based capital ratio | 11.1525% | 6,967 |
| Memoranda: | ||
| Average total assets | $50,407,670 | 6,807 |
| Average earning assets | $48,281,670 | 6,699 |
| Average equity | $3,829,000 | 7,466 |
| Average total loans | $36,965,000 | 6,345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2978% | 1,308 |
| Cost of funding earning assets | 2.7804% | 1,028 |
| Net interest margin | 3.5174% | 4,662 |
| Noninterest income to average assets | 0.5065% | 4,269 |
| Noninterest expense to average assets | 3.1113% | 3,336 |
| Loan and lease loss provision to assets | 0.4824% | 2,550 |
| Net operating income to assets | 0.2733% | 5,398 |
| Return on assets (ROA) | 0.2733% | 5,565 |
| Pretax return on assets | 0.2894% | 5,703 |
| Return on Equity (ROE) | 3.5696% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.5197% | 4,478 |
| Net charge-offs to loans | 0.0439% | 4,863 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,254 |
| Efficiency ratio | 80.1242% | 2,798 |
| Assets per employee ($millions) | 3.0206% | 6,100 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,275 |
| Loan loss allowance to noncurrent loans | 117.1492% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 5,001 |
| Noncurrent loans to loans | 1.2306% | 4,509 |
| Net loans and leases to total assets | 70.0278% | 3,662 |
| Net loans and leases to deposits | 76.1477% | 5,201 |
| Net loans and leases to core deposits | 96.3791% | 4,920 |
| Total domestic deposits to total assets | 91.9632% | 191 |
| Equity capital to assets | 7.4078% | 7,415 |
| Core capital (leverage) ratio | 7.4104% | 7,264 |
| Tier 1 risk-based capital ratio | 10.1760% | 6,742 |
| Total risk-based capital ratio | 11.4277% | 6,646 |
| Memoranda: | ||
| Average total assets | $49,754,500 | 6,879 |
| Average earning assets | $47,762,500 | 6,755 |
| Average equity | $3,810,000 | 7,515 |
| Average total loans | $36,424,000 | 6,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8380% | 1,558 |
| Cost of funding earning assets | 3.2458% | 1,050 |
| Net interest margin | 3.5921% | 4,924 |
| Noninterest income to average assets | 0.4846% | 4,756 |
| Noninterest expense to average assets | 3.2096% | 3,303 |
| Loan and lease loss provision to assets | 0.5661% | 2,556 |
| Net operating income to assets | 0.1300% | 6,024 |
| Return on assets (ROA) | 0.1300% | 5,866 |
| Pretax return on assets | 0.1366% | 5,862 |
| Return on Equity (ROE) | 1.7273% | 5,699 |
| Retained earnings to average equity (ytd only) | 0.2049% | 5,107 |
| Net charge-offs to loans | 0.6060% | 2,021 |
| Credit loss provision to net charge-offs | 130.4569% | 4,076 |
| Earnings coverage of net charge-offs (x) | 1.6193% | 5,279 |
| Efficiency ratio | 82.0383% | 2,299 |
| Assets per employee ($millions) | 3.0099% | 6,038 |
| Cash dividends to net income (ytd only)* | 88.1356% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,837 |
| Loan loss allowance to noncurrent loans | 319.7279% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 6,374 |
| Noncurrent loans to loans | 0.4043% | 6,133 |
| Net loans and leases to total assets | 74.5297% | 2,981 |
| Net loans and leases to deposits | 81.5190% | 4,790 |
| Net loans and leases to core deposits | 100.6986% | 4,752 |
| Total domestic deposits to total assets | 91.4261% | 216 |
| Equity capital to assets | 7.9239% | 6,937 |
| Core capital (leverage) ratio | 7.6825% | 6,964 |
| Tier 1 risk-based capital ratio | 10.2978% | 6,424 |
| Total risk-based capital ratio | 11.5141% | 6,324 |
| Memoranda: | ||
| Average total assets | $45,395,200 | 6,962 |
| Average earning assets | $43,317,000 | 6,881 |
| Average equity | $3,415,800 | 7,713 |
| Average total loans | $32,509,400 | 6,579 |