Home > United Southwest Bank > Performance and Condition Ratios
United Southwest Bank, Performance and Condition Ratios
| 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 | 1.5071% | 4,827 |
| Cost of funding earning assets | 0.1010% | 4,493 |
| Net interest margin | 1.4061% | 4,822 |
| Noninterest income to average assets | 0.4552% | 2,819 |
| Noninterest expense to average assets | 1.9925% | 3,703 |
| Loan and lease loss provision to assets | 0.0017% | 2,937 |
| Net operating income to assets | -0.2333% | 4,803 |
| Return on assets (ROA) | -0.2333% | 4,809 |
| Pretax return on assets | -0.2333% | 4,806 |
| Return on Equity (ROE) | -3.3377% | 4,827 |
| Retained earnings to average equity (ytd only) | -3.3377% | 4,756 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1169% | 90 |
| Assets per employee ($millions) | 6.5228% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6819% | 218 |
| Loan loss allowance to noncurrent loans | 162.6943% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 2,138 |
| Noncurrent loans to loans | 1.6484% | 615 |
| Net loans and leases to total assets | 19.4089% | 4,803 |
| Net loans and leases to deposits | 20.8506% | 4,816 |
| Net loans and leases to core deposits | 20.9502% | 4,818 |
| Total domestic deposits to total assets | 93.0858% | 28 |
| Equity capital to assets | 6.7763% | 4,847 |
| Core capital (leverage) ratio | 6.6966% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4525% | 1,256 |
| Memoranda: | ||
| Average total assets | $58,284,250 | 4,534 |
| Average earning assets | $54,143,250 | 4,515 |
| Average equity | $4,074,500 | 4,768 |
| Average total loans | $12,994,750 | 4,753 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5450% | 4,866 |
| Cost of funding earning assets | 0.1037% | 4,552 |
| Net interest margin | 1.4413% | 4,852 |
| Noninterest income to average assets | 0.6364% | 2,060 |
| Noninterest expense to average assets | 2.0157% | 3,655 |
| Loan and lease loss provision to assets | 0.0034% | 2,812 |
| Net operating income to assets | -0.0447% | 4,782 |
| Return on assets (ROA) | -0.0447% | 4,793 |
| Pretax return on assets | -0.0447% | 4,793 |
| Return on Equity (ROE) | -0.6331% | 4,807 |
| Retained earnings to average equity (ytd only) | -0.6331% | 4,576 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0906% | 150 |
| Assets per employee ($millions) | 6.5294% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 267 |
| Loan loss allowance to noncurrent loans | 144.7005% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 2,129 |
| Noncurrent loans to loans | 1.7523% | 596 |
| Net loans and leases to total assets | 20.5394% | 4,827 |
| Net loans and leases to deposits | 22.0925% | 4,845 |
| Net loans and leases to core deposits | 22.3547% | 4,845 |
| Total domestic deposits to total assets | 92.9703% | 34 |
| Equity capital to assets | 6.9106% | 4,863 |
| Core capital (leverage) ratio | 6.6653% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4117% | 1,246 |
| Memoranda: | ||
| Average total assets | $58,144,000 | 4,559 |
| Average earning assets | $53,979,333 | 4,548 |
| Average equity | $4,106,667 | 4,798 |
| Average total loans | $13,423,667 | 4,780 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6370% | 4,890 |
| Cost of funding earning assets | 0.1051% | 4,625 |
| Net interest margin | 1.5319% | 4,868 |
| Noninterest income to average assets | 0.8300% | 1,512 |
| Noninterest expense to average assets | 1.9643% | 3,824 |
| Loan and lease loss provision to assets | 0.0069% | 2,676 |
| Net operating income to assets | 0.2697% | 4,562 |
| Return on assets (ROA) | 0.2697% | 4,588 |
| Pretax return on assets | 0.2697% | 4,626 |
| Return on Equity (ROE) | 3.7777% | 4,326 |
| Retained earnings to average equity (ytd only) | 3.7777% | 3,570 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6543% | 460 |
| Assets per employee ($millions) | 6.6908% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5897% | 230 |
| Loan loss allowance to noncurrent loans | 7,850.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,342 |
| Noncurrent loans to loans | 0.0330% | 4,119 |
| Net loans and leases to total assets | 19.6141% | 4,863 |
| Net loans and leases to deposits | 21.0805% | 4,877 |
| Net loans and leases to core deposits | 21.4243% | 4,877 |
| Total domestic deposits to total assets | 93.0435% | 31 |
| Equity capital to assets | 6.8336% | 4,870 |
| Core capital (leverage) ratio | 7.0677% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4288% | 1,188 |
| Memoranda: | ||
| Average total assets | $57,833,500 | 4,585 |
| Average earning assets | $53,268,000 | 4,576 |
| Average equity | $4,129,500 | 4,820 |
| Average total loans | $13,943,500 | 4,799 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8264% | 4,738 |
| Cost of funding earning assets | 0.2050% | 4,568 |
| Net interest margin | 2.6214% | 4,472 |
| Noninterest income to average assets | 0.2013% | 4,267 |
| Noninterest expense to average assets | 2.4120% | 3,103 |
| Loan and lease loss provision to assets | 0.0237% | 4,102 |
| Net operating income to assets | 0.1105% | 4,658 |
| Return on assets (ROA) | 0.1105% | 4,696 |
| Pretax return on assets | 0.1382% | 4,680 |
| Return on Equity (ROE) | 1.3474% | 4,641 |
| Retained earnings to average equity (ytd only) | -0.5775% | 4,599 |
| Net charge-offs to loans | 0.1307% | 1,212 |
| Credit loss provision to net charge-offs | 54.5455% | 3,117 |
| Earnings coverage of net charge-offs (x) | 3.7273% | 3,057 |
| Efficiency ratio | 93.7117% | 277 |
| Assets per employee ($millions) | 5.0409% | 3,348 |
| Cash dividends to net income (ytd only)* | 142.8571% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9858% | 607 |
| Loan loss allowance to noncurrent loans | 2,407.6923% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,271 |
| Noncurrent loans to loans | 0.0825% | 3,961 |
| Net loans and leases to total assets | 27.8611% | 4,795 |
| Net loans and leases to deposits | 30.1715% | 4,831 |
| Net loans and leases to core deposits | 30.3225% | 4,849 |
| Total domestic deposits to total assets | 92.3427% | 47 |
| Equity capital to assets | 7.4734% | 4,843 |
| Core capital (leverage) ratio | 7.5213% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3929% | 1,173 |
| Memoranda: | ||
| Average total assets | $50,664,000 | 4,645 |
| Average earning assets | $45,853,800 | 4,654 |
| Average equity | $4,156,000 | 4,832 |
| Average total loans | $16,838,000 | 4,773 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 4,713 |
| Cost of funding earning assets | 0.2326% | 4,562 |
| Net interest margin | 2.7998% | 4,345 |
| Noninterest income to average assets | 0.1617% | 4,490 |
| Noninterest expense to average assets | 2.4446% | 3,011 |
| Loan and lease loss provision to assets | 0.0243% | 4,032 |
| Net operating income to assets | 0.2210% | 4,561 |
| Return on assets (ROA) | 0.2210% | 4,603 |
| Pretax return on assets | 0.2237% | 4,634 |
| Return on Equity (ROE) | 2.6288% | 4,456 |
| Retained earnings to average equity (ytd only) | 0.0641% | 4,468 |
| Net charge-offs to loans | 0.1715% | 859 |
| Credit loss provision to net charge-offs | 40.9091% | 2,921 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 2,846 |
| Efficiency ratio | 90.7908% | 344 |
| Assets per employee ($millions) | 4.2028% | 4,146 |
| Cash dividends to net income (ytd only)* | 97.5610% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 630 |
| Loan loss allowance to noncurrent loans | 155.0000% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,593 |
| Noncurrent loans to loans | 1.2019% | 1,267 |
| Net loans and leases to total assets | 32.3796% | 4,780 |
| Net loans and leases to deposits | 35.3992% | 4,835 |
| Net loans and leases to core deposits | 35.5960% | 4,853 |
| Total domestic deposits to total assets | 91.4699% | 105 |
| Equity capital to assets | 8.3001% | 4,577 |
| Core capital (leverage) ratio | 8.1095% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8091% | 1,304 |
| Memoranda: | ||
| Average total assets | $49,467,500 | 4,681 |
| Average earning assets | $44,716,500 | 4,686 |
| Average equity | $4,159,000 | 4,855 |
| Average total loans | $17,107,000 | 4,798 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 4,765 |
| Cost of funding earning assets | 0.2628% | 4,582 |
| Net interest margin | 2.8777% | 4,346 |
| Noninterest income to average assets | 0.1221% | 4,693 |
| Noninterest expense to average assets | 2.4336% | 3,160 |
| Loan and lease loss provision to assets | 0.0244% | 3,946 |
| Net operating income to assets | 0.2442% | 4,517 |
| Return on assets (ROA) | 0.2442% | 4,557 |
| Pretax return on assets | 0.2482% | 4,590 |
| Return on Equity (ROE) | 2.8916% | 4,373 |
| Retained earnings to average equity (ytd only) | -0.9639% | 4,474 |
| Net charge-offs to loans | 0.0579% | 1,678 |
| Credit loss provision to net charge-offs | 120.0000% | 2,280 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,995 |
| Efficiency ratio | 89.9248% | 389 |
| Assets per employee ($millions) | 4.0745% | 4,235 |
| Cash dividends to net income (ytd only)* | 133.3333% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 528 |
| Loan loss allowance to noncurrent loans | 300.9259% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 3,446 |
| Noncurrent loans to loans | 0.6322% | 2,281 |
| Net loans and leases to total assets | 34.2721% | 4,774 |
| Net loans and leases to deposits | 37.5785% | 4,840 |
| Net loans and leases to core deposits | 37.7929% | 4,858 |
| Total domestic deposits to total assets | 91.2014% | 116 |
| Equity capital to assets | 8.5389% | 4,454 |
| Core capital (leverage) ratio | 8.3581% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7527% | 1,305 |
| Memoranda: | ||
| Average total assets | $49,145,667 | 4,702 |
| Average earning assets | $44,133,000 | 4,716 |
| Average equity | $4,150,000 | 4,884 |
| Average total loans | $17,262,667 | 4,823 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 4,764 |
| Cost of funding earning assets | 0.3107% | 4,625 |
| Net interest margin | 3.0526% | 4,199 |
| Noninterest income to average assets | 0.1218% | 4,751 |
| Noninterest expense to average assets | 2.4842% | 3,324 |
| Loan and lease loss provision to assets | 0.0244% | 3,493 |
| Net operating income to assets | 0.3247% | 4,297 |
| Return on assets (ROA) | 0.3247% | 4,324 |
| Pretax return on assets | 0.3247% | 4,414 |
| Return on Equity (ROE) | 3.8671% | 3,987 |
| Retained earnings to average equity (ytd only) | -3.8671% | 4,426 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6791% | 598 |
| Assets per employee ($millions) | 3.9803% | 3,941 |
| Cash dividends to net income (ytd only)* | 200.0000% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 544 |
| Loan loss allowance to noncurrent loans | 289.3805% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 3,513 |
| Noncurrent loans to loans | 0.6759% | 2,302 |
| Net loans and leases to total assets | 34.3187% | 4,826 |
| Net loans and leases to deposits | 37.6378% | 4,878 |
| Net loans and leases to core deposits | 37.8577% | 4,901 |
| Total domestic deposits to total assets | 91.1816% | 88 |
| Equity capital to assets | 8.6236% | 4,783 |
| Core capital (leverage) ratio | 8.3301% | 4,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9872% | 1,354 |
| Memoranda: | ||
| Average total assets | $49,271,500 | 4,721 |
| Average earning assets | $43,766,000 | 4,745 |
| Average equity | $4,137,500 | 4,929 |
| Average total loans | $17,353,000 | 4,864 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 4,790 |
| Cost of funding earning assets | 0.2931% | 4,746 |
| Net interest margin | 3.2949% | 3,999 |
| Noninterest income to average assets | 0.2513% | 4,175 |
| Noninterest expense to average assets | 2.5619% | 3,283 |
| Loan and lease loss provision to assets | 0.2513% | 724 |
| Net operating income to assets | 0.3612% | 4,661 |
| Return on assets (ROA) | 0.3612% | 4,693 |
| Pretax return on assets | 0.3823% | 4,741 |
| Return on Equity (ROE) | 4.1980% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.2340% | 3,895 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1718% | 927 |
| Assets per employee ($millions) | 4.6163% | 3,065 |
| Cash dividends to net income (ytd only)* | 46.7836% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 656 |
| Loan loss allowance to noncurrent loans | 93.6416% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 1,892 |
| Noncurrent loans to loans | 1.9236% | 679 |
| Net loans and leases to total assets | 34.7841% | 4,882 |
| Net loans and leases to deposits | 37.9523% | 4,939 |
| Net loans and leases to core deposits | 37.9523% | 4,973 |
| Total domestic deposits to total assets | 91.6521% | 58 |
| Equity capital to assets | 8.1845% | 5,015 |
| Core capital (leverage) ratio | 8.3950% | 4,900 |
| Tier 1 risk-based capital ratio | 15.2157% | 2,692 |
| Total risk-based capital ratio | 16.4258% | 2,644 |
| Memoranda: | ||
| Average total assets | $47,348,400 | 4,795 |
| Average earning assets | $42,308,400 | 4,810 |
| Average equity | $4,073,400 | 4,984 |
| Average total loans | $17,584,800 | 4,918 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 4,848 |
| Cost of funding earning assets | 0.2898% | 4,816 |
| Net interest margin | 3.3501% | 3,987 |
| Noninterest income to average assets | 0.1721% | 4,684 |
| Noninterest expense to average assets | 2.5954% | 3,175 |
| Loan and lease loss provision to assets | 0.0373% | 3,153 |
| Net operating income to assets | 0.5564% | 4,391 |
| Return on assets (ROA) | 0.5564% | 4,445 |
| Pretax return on assets | 0.5564% | 4,613 |
| Return on Equity (ROE) | 6.3823% | 3,927 |
| Retained earnings to average equity (ytd only) | 3.7505% | 3,517 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3849% | 804 |
| Assets per employee ($millions) | 4.3163% | 3,459 |
| Cash dividends to net income (ytd only)* | 41.2356% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,208 |
| Loan loss allowance to noncurrent loans | 700.0000% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,387 |
| Noncurrent loans to loans | 0.1793% | 3,894 |
| Net loans and leases to total assets | 35.9506% | 4,942 |
| Net loans and leases to deposits | 39.5088% | 5,010 |
| Net loans and leases to core deposits | 39.8408% | 5,037 |
| Total domestic deposits to total assets | 90.9939% | 101 |
| Equity capital to assets | 8.8039% | 4,877 |
| Core capital (leverage) ratio | 8.7804% | 4,790 |
| Tier 1 risk-based capital ratio | 15.8285% | 2,505 |
| Total risk-based capital ratio | 16.6705% | 2,602 |
| Memoranda: | ||
| Average total assets | $46,490,750 | 4,878 |
| Average earning assets | $41,868,750 | 4,887 |
| Average equity | $4,052,750 | 5,058 |
| Average total loans | $17,484,250 | 4,992 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6514% | 4,879 |
| Cost of funding earning assets | 0.2805% | 4,875 |
| Net interest margin | 3.3709% | 3,986 |
| Noninterest income to average assets | 0.1300% | 4,928 |
| Noninterest expense to average assets | 2.6039% | 3,192 |
| Loan and lease loss provision to assets | 0.0260% | 3,300 |
| Net operating income to assets | 0.5199% | 4,484 |
| Return on assets (ROA) | 0.5199% | 4,515 |
| Pretax return on assets | 0.5199% | 4,665 |
| Return on Equity (ROE) | 5.9845% | 4,051 |
| Retained earnings to average equity (ytd only) | 1.9948% | 4,115 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6685% | 756 |
| Assets per employee ($millions) | 3.7362% | 4,198 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,621 |
| Loan loss allowance to noncurrent loans | 811.5385% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,465 |
| Noncurrent loans to loans | 0.1455% | 4,035 |
| Net loans and leases to total assets | 39.3786% | 4,869 |
| Net loans and leases to deposits | 43.4681% | 4,963 |
| Net loans and leases to core deposits | 43.8568% | 4,997 |
| Total domestic deposits to total assets | 90.5920% | 176 |
| Equity capital to assets | 9.1493% | 4,698 |
| Core capital (leverage) ratio | 8.9476% | 4,672 |
| Tier 1 risk-based capital ratio | 15.9396% | 2,440 |
| Total risk-based capital ratio | 16.7756% | 2,547 |
| Memoranda: | ||
| Average total assets | $46,161,330 | 4,925 |
| Average earning assets | $41,353,670 | 4,936 |
| Average equity | $4,010,330 | 5,101 |
| Average total loans | $17,550,330 | 5,035 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6129% | 4,956 |
| Cost of funding earning assets | 0.2594% | 4,956 |
| Net interest margin | 3.3535% | 4,025 |
| Noninterest income to average assets | 0.1281% | 4,963 |
| Noninterest expense to average assets | 2.6140% | 3,172 |
| Loan and lease loss provision to assets | 0.0256% | 3,096 |
| Net operating income to assets | 0.4698% | 4,600 |
| Return on assets (ROA) | 0.4698% | 4,621 |
| Pretax return on assets | 0.4698% | 4,746 |
| Return on Equity (ROE) | 5.5492% | 4,173 |
| Retained earnings to average equity (ytd only) | -2.5224% | 4,782 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0659% | 705 |
| Assets per employee ($millions) | 4.1561% | 3,690 |
| Cash dividends to net income (ytd only)* | 145.4545% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,473 |
| Loan loss allowance to noncurrent loans | 378.1818% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,205 |
| Noncurrent loans to loans | 0.3226% | 3,408 |
| Net loans and leases to total assets | 36.8419% | 4,990 |
| Net loans and leases to deposits | 40.4510% | 5,074 |
| Net loans and leases to core deposits | 40.8038% | 5,098 |
| Total domestic deposits to total assets | 91.0777% | 158 |
| Equity capital to assets | 8.7167% | 4,870 |
| Core capital (leverage) ratio | 8.4868% | 5,018 |
| Tier 1 risk-based capital ratio | 15.7949% | 2,530 |
| Total risk-based capital ratio | 16.6248% | 2,629 |
| Memoranda: | ||
| Average total assets | $46,825,000 | 4,961 |
| Average earning assets | $41,628,500 | 4,980 |
| Average equity | $3,964,500 | 5,154 |
| Average total loans | $17,392,500 | 5,096 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 4,931 |
| Cost of funding earning assets | 0.1990% | 5,004 |
| Net interest margin | 3.2892% | 4,281 |
| Noninterest income to average assets | 0.2454% | 4,451 |
| Noninterest expense to average assets | 2.6678% | 3,130 |
| Loan and lease loss provision to assets | 0.0384% | 3,433 |
| Net operating income to assets | 0.3564% | 4,931 |
| Return on assets (ROA) | 0.3564% | 4,928 |
| Pretax return on assets | 0.4311% | 4,905 |
| Return on Equity (ROE) | 4.3026% | 4,628 |
| Retained earnings to average equity (ytd only) | 2.4476% | 4,164 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0340% | 579 |
| Assets per employee ($millions) | 3.6872% | 4,337 |
| Cash dividends to net income (ytd only)* | 43.1138% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,793 |
| Loan loss allowance to noncurrent loans | 602.9412% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 4,466 |
| Noncurrent loans to loans | 0.1917% | 3,886 |
| Net loans and leases to total assets | 36.5698% | 5,054 |
| Net loans and leases to deposits | 39.9048% | 5,126 |
| Net loans and leases to core deposits | 40.2346% | 5,158 |
| Total domestic deposits to total assets | 91.6425% | 101 |
| Equity capital to assets | 8.2282% | 5,075 |
| Core capital (leverage) ratio | 8.6428% | 4,924 |
| Tier 1 risk-based capital ratio | 14.3181% | 3,161 |
| Total risk-based capital ratio | 15.0548% | 3,312 |
| Memoranda: | ||
| Average total assets | $46,855,400 | 4,998 |
| Average earning assets | $41,195,800 | 5,030 |
| Average equity | $3,881,400 | 5,198 |
| Average total loans | $17,413,600 | 5,139 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 4,977 |
| Cost of funding earning assets | 0.1850% | 5,074 |
| Net interest margin | 3.2652% | 4,366 |
| Noninterest income to average assets | 0.1402% | 5,073 |
| Noninterest expense to average assets | 2.6617% | 3,096 |
| Loan and lease loss provision to assets | 0.0343% | 3,325 |
| Net operating income to assets | 0.3234% | 5,068 |
| Return on assets (ROA) | 0.3234% | 5,061 |
| Pretax return on assets | 0.3234% | 5,114 |
| Return on Equity (ROE) | 3.8973% | 4,839 |
| Retained earnings to average equity (ytd only) | 1.4142% | 4,745 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1517% | 399 |
| Assets per employee ($millions) | 3.4820% | 4,584 |
| Cash dividends to net income (ytd only)* | 63.7196% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,893 |
| Loan loss allowance to noncurrent loans | 552.7778% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,572 |
| Noncurrent loans to loans | 0.2086% | 3,964 |
| Net loans and leases to total assets | 37.6905% | 5,091 |
| Net loans and leases to deposits | 41.2520% | 5,179 |
| Net loans and leases to core deposits | 41.5605% | 5,209 |
| Total domestic deposits to total assets | 91.3666% | 154 |
| Equity capital to assets | 8.4898% | 4,925 |
| Core capital (leverage) ratio | 8.6565% | 4,999 |
| Tier 1 risk-based capital ratio | 15.4036% | 2,691 |
| Total risk-based capital ratio | 16.1838% | 2,830 |
| Memoranda: | ||
| Average total assets | $46,586,000 | 5,057 |
| Average earning assets | $41,079,000 | 5,093 |
| Average equity | $3,865,750 | 5,264 |
| Average total loans | $17,333,500 | 5,203 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 5,024 |
| Cost of funding earning assets | 0.1735% | 5,134 |
| Net interest margin | 3.2393% | 4,413 |
| Noninterest income to average assets | 0.1361% | 5,132 |
| Noninterest expense to average assets | 2.6368% | 3,194 |
| Loan and lease loss provision to assets | 0.0255% | 3,407 |
| Net operating income to assets | 0.3317% | 5,076 |
| Return on assets (ROA) | 0.3317% | 5,072 |
| Pretax return on assets | 0.3317% | 5,126 |
| Return on Equity (ROE) | 4.0275% | 4,825 |
| Retained earnings to average equity (ytd only) | 0.3098% | 4,906 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0682% | 463 |
| Assets per employee ($millions) | 3.8225% | 4,176 |
| Cash dividends to net income (ytd only)* | 92.3077% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,023 |
| Loan loss allowance to noncurrent loans | 44.2661% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 1,590 |
| Noncurrent loans to loans | 2.5805% | 494 |
| Net loans and leases to total assets | 36.4138% | 5,167 |
| Net loans and leases to deposits | 39.8089% | 5,250 |
| Net loans and leases to core deposits | 40.1023% | 5,277 |
| Total domestic deposits to total assets | 91.4716% | 156 |
| Equity capital to assets | 8.3998% | 5,015 |
| Core capital (leverage) ratio | 8.4352% | 5,152 |
| Tier 1 risk-based capital ratio | 15.2913% | 2,734 |
| Total risk-based capital ratio | 16.0493% | 2,896 |
| Memoranda: | ||
| Average total assets | $47,026,000 | 5,109 |
| Average earning assets | $41,491,000 | 5,143 |
| Average equity | $3,873,330 | 5,322 |
| Average total loans | $17,358,000 | 5,257 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,063 |
| Cost of funding earning assets | 0.1615% | 5,216 |
| Net interest margin | 3.2005% | 4,453 |
| Noninterest income to average assets | 0.0840% | 5,382 |
| Noninterest expense to average assets | 2.4872% | 3,685 |
| Loan and lease loss provision to assets | 0.0252% | 3,188 |
| Net operating income to assets | 0.4033% | 4,919 |
| Return on assets (ROA) | 0.4033% | 4,921 |
| Pretax return on assets | 0.4033% | 5,034 |
| Return on Equity (ROE) | 4.9440% | 4,515 |
| Retained earnings to average equity (ytd only) | -2.4720% | 5,049 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3026% | 689 |
| Assets per employee ($millions) | 3.6770% | 4,446 |
| Cash dividends to net income (ytd only)* | 150.0000% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,331 |
| Loan loss allowance to noncurrent loans | 168.1416% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,921 |
| Noncurrent loans to loans | 0.6588% | 2,575 |
| Net loans and leases to total assets | 35.4867% | 5,221 |
| Net loans and leases to deposits | 38.6331% | 5,302 |
| Net loans and leases to core deposits | 38.8721% | 5,334 |
| Total domestic deposits to total assets | 91.8558% | 126 |
| Equity capital to assets | 8.0103% | 5,268 |
| Core capital (leverage) ratio | 8.1326% | 5,352 |
| Tier 1 risk-based capital ratio | 14.6241% | 3,061 |
| Total risk-based capital ratio | 15.3430% | 3,247 |
| Memoranda: | ||
| Average total assets | $47,604,000 | 5,152 |
| Average earning assets | $42,118,000 | 5,181 |
| Average equity | $3,883,500 | 5,376 |
| Average total loans | $17,589,000 | 5,309 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 5,139 |
| Cost of funding earning assets | 0.1613% | 5,201 |
| Net interest margin | 3.0853% | 4,721 |
| Noninterest income to average assets | 0.2377% | 4,711 |
| Noninterest expense to average assets | 2.5606% | 3,577 |
| Loan and lease loss provision to assets | 0.0396% | 3,474 |
| Net operating income to assets | 0.3649% | 4,797 |
| Return on assets (ROA) | 0.3649% | 4,815 |
| Pretax return on assets | 0.3899% | 5,103 |
| Return on Equity (ROE) | 4.4679% | 4,359 |
| Retained earnings to average equity (ytd only) | 3.4467% | 3,220 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6346% | 661 |
| Assets per employee ($millions) | 3.6467% | 4,509 |
| Cash dividends to net income (ytd only)* | 22.8571% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,699 |
| Loan loss allowance to noncurrent loans | 2,337.5000% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,075 |
| Noncurrent loans to loans | 0.0444% | 4,799 |
| Net loans and leases to total assets | 37.6274% | 5,238 |
| Net loans and leases to deposits | 41.1071% | 5,319 |
| Net loans and leases to core deposits | 41.3644% | 5,354 |
| Total domestic deposits to total assets | 91.5350% | 133 |
| Equity capital to assets | 8.3068% | 5,255 |
| Core capital (leverage) ratio | 8.1989% | 5,353 |
| Tier 1 risk-based capital ratio | 14.6089% | 3,036 |
| Total risk-based capital ratio | 15.3115% | 3,225 |
| Memoranda: | ||
| Average total assets | $47,956,800 | 5,193 |
| Average earning assets | $42,783,600 | 5,215 |
| Average equity | $3,916,800 | 5,437 |
| Average total loans | $17,344,400 | 5,375 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2133% | 5,213 |
| Cost of funding earning assets | 0.1613% | 5,245 |
| Net interest margin | 3.0520% | 4,807 |
| Noninterest income to average assets | 0.1857% | 5,087 |
| Noninterest expense to average assets | 2.5283% | 3,637 |
| Loan and lease loss provision to assets | 0.0250% | 3,640 |
| Net operating income to assets | 0.3548% | 5,096 |
| Return on assets (ROA) | 0.3548% | 5,115 |
| Pretax return on assets | 0.3604% | 5,242 |
| Return on Equity (ROE) | 4.3630% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.9996% | 4,124 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7745% | 585 |
| Assets per employee ($millions) | 3.8802% | 4,189 |
| Cash dividends to net income (ytd only)* | 31.2493% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,729 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,062 |
| Noncurrent loans to loans | 0.0943% | 4,690 |
| Net loans and leases to total assets | 36.0616% | 5,343 |
| Net loans and leases to deposits | 39.6164% | 5,432 |
| Net loans and leases to core deposits | 39.9139% | 5,460 |
| Total domestic deposits to total assets | 91.0270% | 178 |
| Equity capital to assets | 8.6165% | 5,213 |
| Core capital (leverage) ratio | 8.1915% | 5,423 |
| Tier 1 risk-based capital ratio | 14.4886% | 3,189 |
| Total risk-based capital ratio | 15.1687% | 3,411 |
| Memoranda: | ||
| Average total assets | $48,094,250 | 5,248 |
| Average earning assets | $42,987,500 | 5,267 |
| Average equity | $3,911,500 | 5,494 |
| Average total loans | $17,174,250 | 5,440 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1535% | 5,298 |
| Cost of funding earning assets | 0.1611% | 5,266 |
| Net interest margin | 2.9924% | 4,930 |
| Noninterest income to average assets | 0.2057% | 5,017 |
| Noninterest expense to average assets | 2.4771% | 3,824 |
| Loan and lease loss provision to assets | 0.0247% | 3,508 |
| Net operating income to assets | 0.3703% | 5,045 |
| Return on assets (ROA) | 0.3703% | 5,070 |
| Pretax return on assets | 0.3786% | 5,212 |
| Return on Equity (ROE) | 4.6416% | 4,618 |
| Retained earnings to average equity (ytd only) | 2.5786% | 4,151 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 689 |
| Assets per employee ($millions) | 3.6032% | 4,571 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,858 |
| Loan loss allowance to noncurrent loans | 201.1364% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,422 |
| Noncurrent loans to loans | 0.5214% | 3,191 |
| Net loans and leases to total assets | 35.6525% | 5,391 |
| Net loans and leases to deposits | 39.1256% | 5,475 |
| Net loans and leases to core deposits | 39.4175% | 5,514 |
| Total domestic deposits to total assets | 91.1232% | 195 |
| Equity capital to assets | 8.5267% | 5,286 |
| Core capital (leverage) ratio | 7.8316% | 5,581 |
| Tier 1 risk-based capital ratio | 14.3256% | 3,253 |
| Total risk-based capital ratio | 14.9934% | 3,480 |
| Memoranda: | ||
| Average total assets | $48,605,000 | 5,283 |
| Average earning assets | $43,443,670 | 5,297 |
| Average equity | $3,878,000 | 5,541 |
| Average total loans | $17,242,000 | 5,480 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 5,373 |
| Cost of funding earning assets | 0.1547% | 5,340 |
| Net interest margin | 2.9393% | 5,008 |
| Noninterest income to average assets | 0.1374% | 5,424 |
| Noninterest expense to average assets | 2.4491% | 3,966 |
| Loan and lease loss provision to assets | 0.0242% | 3,260 |
| Net operating income to assets | 0.2748% | 5,252 |
| Return on assets (ROA) | 0.2748% | 5,266 |
| Pretax return on assets | 0.2748% | 5,347 |
| Return on Equity (ROE) | 3.5602% | 4,936 |
| Retained earnings to average equity (ytd only) | -0.6283% | 5,019 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1176% | 601 |
| Assets per employee ($millions) | 3.8715% | 4,229 |
| Cash dividends to net income (ytd only)* | 117.6471% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,944 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,714 |
| Noncurrent loans to loans | 0.4010% | 3,659 |
| Net loans and leases to total assets | 32.3571% | 5,531 |
| Net loans and leases to deposits | 35.1303% | 5,600 |
| Net loans and leases to core deposits | 35.3484% | 5,630 |
| Total domestic deposits to total assets | 92.1059% | 93 |
| Equity capital to assets | 7.6536% | 5,645 |
| Core capital (leverage) ratio | 7.5858% | 5,688 |
| Tier 1 risk-based capital ratio | 13.8752% | 3,561 |
| Total risk-based capital ratio | 14.5204% | 3,826 |
| Memoranda: | ||
| Average total assets | $49,487,000 | 5,320 |
| Average earning assets | $43,956,500 | 5,348 |
| Average equity | $3,820,000 | 5,605 |
| Average total loans | $17,424,500 | 5,540 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 4,723 |
| Cost of funding earning assets | 0.1701% | 5,285 |
| Net interest margin | 3.3531% | 3,989 |
| Noninterest income to average assets | 0.2523% | 4,912 |
| Noninterest expense to average assets | 2.7654% | 3,139 |
| Loan and lease loss provision to assets | 0.0683% | 3,004 |
| Net operating income to assets | 0.2048% | 5,409 |
| Return on assets (ROA) | 0.2048% | 5,464 |
| Pretax return on assets | 0.2317% | 5,454 |
| Return on Equity (ROE) | 2.4935% | 5,288 |
| Retained earnings to average equity (ytd only) | 0.9823% | 4,932 |
| Net charge-offs to loans | 0.0659% | 2,754 |
| Credit loss provision to net charge-offs | 275.0000% | 1,054 |
| Earnings coverage of net charge-offs (x) | 12.0833% | 2,484 |
| Efficiency ratio | 90.2159% | 541 |
| Assets per employee ($millions) | 3.2430% | 5,106 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,650 |
| Loan loss allowance to noncurrent loans | 194.3182% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 4,573 |
| Noncurrent loans to loans | 0.4785% | 3,434 |
| Net loans and leases to total assets | 37.4530% | 5,422 |
| Net loans and leases to deposits | 40.9885% | 5,518 |
| Net loans and leases to core deposits | 41.2540% | 5,565 |
| Total domestic deposits to total assets | 91.3742% | 192 |
| Equity capital to assets | 7.7870% | 5,640 |
| Core capital (leverage) ratio | 7.5020% | 5,750 |
| Tier 1 risk-based capital ratio | 13.6684% | 3,665 |
| Total risk-based capital ratio | 14.2920% | 3,956 |
| Memoranda: | ||
| Average total assets | $48,346,800 | 5,379 |
| Average earning assets | $40,559,600 | 5,456 |
| Average equity | $3,970,400 | 5,649 |
| Average total loans | $18,218,600 | 5,570 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 4,556 |
| Cost of funding earning assets | 0.1738% | 5,316 |
| Net interest margin | 3.4254% | 3,750 |
| Noninterest income to average assets | 0.2127% | 5,193 |
| Noninterest expense to average assets | 2.7620% | 3,133 |
| Loan and lease loss provision to assets | 0.0746% | 2,730 |
| Net operating income to assets | 0.1933% | 5,474 |
| Return on assets (ROA) | 0.1933% | 5,538 |
| Pretax return on assets | 0.2072% | 5,557 |
| Return on Equity (ROE) | 2.3240% | 5,405 |
| Retained earnings to average equity (ytd only) | 0.3319% | 5,264 |
| Net charge-offs to loans | 0.0733% | 2,268 |
| Credit loss provision to net charge-offs | 270.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 10.2026% | 2,602 |
| Efficiency ratio | 90.7441% | 529 |
| Assets per employee ($millions) | 3.2565% | 5,101 |
| Cash dividends to net income (ytd only)* | 85.7173% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 4,626 |
| Loan loss allowance to noncurrent loans | 668.0000% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,246 |
| Noncurrent loans to loans | 0.1435% | 4,766 |
| Net loans and leases to total assets | 33.1241% | 5,653 |
| Net loans and leases to deposits | 36.0833% | 5,724 |
| Net loans and leases to core deposits | 36.2820% | 5,751 |
| Total domestic deposits to total assets | 91.7991% | 88 |
| Equity capital to assets | 7.7403% | 5,802 |
| Core capital (leverage) ratio | 7.3146% | 5,850 |
| Tier 1 risk-based capital ratio | 13.2584% | 4,002 |
| Total risk-based capital ratio | 13.8565% | 4,311 |
| Memoranda: | ||
| Average total assets | $48,272,250 | 5,432 |
| Average earning assets | $39,897,250 | 5,527 |
| Average equity | $4,016,000 | 5,700 |
| Average total loans | $18,175,750 | 5,626 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,867 |
| Cost of funding earning assets | 0.1799% | 5,322 |
| Net interest margin | 3.6460% | 2,913 |
| Noninterest income to average assets | 0.2341% | 5,081 |
| Noninterest expense to average assets | 2.8173% | 2,973 |
| Loan and lease loss provision to assets | 0.0894% | 2,357 |
| Net operating income to assets | 0.2383% | 5,450 |
| Return on assets (ROA) | 0.2383% | 5,516 |
| Pretax return on assets | 0.2596% | 5,549 |
| Return on Equity (ROE) | 2.7928% | 5,300 |
| Retained earnings to average equity (ytd only) | -0.1995% | 5,324 |
| Net charge-offs to loans | 0.0217% | 3,059 |
| Credit loss provision to net charge-offs | 1,050.0000% | 361 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,140 |
| Efficiency ratio | 88.9785% | 658 |
| Assets per employee ($millions) | 3.1101% | 5,318 |
| Cash dividends to net income (ytd only)* | 107.1429% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,648 |
| Loan loss allowance to noncurrent loans | 1,292.3077% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,436 |
| Noncurrent loans to loans | 0.0754% | 5,151 |
| Net loans and leases to total assets | 34.3060% | 5,665 |
| Net loans and leases to deposits | 37.5806% | 5,755 |
| Net loans and leases to core deposits | 37.8699% | 5,786 |
| Total domestic deposits to total assets | 91.2863% | 140 |
| Equity capital to assets | 8.1791% | 5,742 |
| Core capital (leverage) ratio | 7.8025% | 5,817 |
| Tier 1 risk-based capital ratio | 13.5054% | 3,901 |
| Total risk-based capital ratio | 14.1241% | 4,188 |
| Memoranda: | ||
| Average total assets | $46,995,000 | 5,523 |
| Average earning assets | $37,795,000 | 5,635 |
| Average equity | $4,010,330 | 5,765 |
| Average total loans | $18,425,670 | 5,684 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 3,938 |
| Cost of funding earning assets | 0.1652% | 5,508 |
| Net interest margin | 3.6354% | 2,937 |
| Noninterest income to average assets | 0.3069% | 4,531 |
| Noninterest expense to average assets | 2.9115% | 2,669 |
| Loan and lease loss provision to assets | 0.1315% | 1,605 |
| Net operating income to assets | 0.3069% | 5,284 |
| Return on assets (ROA) | 0.3069% | 5,367 |
| Pretax return on assets | 0.3508% | 5,402 |
| Return on Equity (ROE) | 3.5171% | 5,057 |
| Retained earnings to average equity (ytd only) | -2.5122% | 5,432 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7881% | 993 |
| Assets per employee ($millions) | 2.7747% | 5,688 |
| Cash dividends to net income (ytd only)* | 171.4286% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 5,071 |
| Loan loss allowance to noncurrent loans | 1,031.2500% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 5,436 |
| Noncurrent loans to loans | 0.0868% | 5,127 |
| Net loans and leases to total assets | 41.1330% | 5,394 |
| Net loans and leases to deposits | 45.4933% | 5,537 |
| Net loans and leases to core deposits | 46.1801% | 5,578 |
| Total domestic deposits to total assets | 90.4156% | 459 |
| Equity capital to assets | 8.9920% | 5,176 |
| Core capital (leverage) ratio | 7.9994% | 5,773 |
| Tier 1 risk-based capital ratio | 13.6788% | 3,882 |
| Total risk-based capital ratio | 14.2942% | 4,150 |
| Memoranda: | ||
| Average total assets | $45,612,000 | 5,602 |
| Average earning assets | $38,730,500 | 5,663 |
| Average equity | $3,980,500 | 5,820 |
| Average total loans | $19,019,000 | 5,718 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,168 |
| Cost of funding earning assets | 0.1744% | 5,506 |
| Net interest margin | 3.5838% | 3,196 |
| Noninterest income to average assets | 0.2422% | 5,146 |
| Noninterest expense to average assets | 2.6900% | 3,613 |
| Loan and lease loss provision to assets | 0.1297% | 1,848 |
| Net operating income to assets | 0.4460% | 4,898 |
| Return on assets (ROA) | 0.4519% | 4,963 |
| Pretax return on assets | 0.4952% | 5,124 |
| Return on Equity (ROE) | 5.4114% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.8579% | 3,291 |
| Net charge-offs to loans | 0.0412% | 3,392 |
| Credit loss provision to net charge-offs | 750.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,281 |
| Efficiency ratio | 81.3072% | 1,499 |
| Assets per employee ($millions) | 2.9268% | 5,588 |
| Cash dividends to net income (ytd only)* | 28.7081% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 5,499 |
| Loan loss allowance to noncurrent loans | 319.1489% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 5,147 |
| Noncurrent loans to loans | 0.2396% | 4,572 |
| Net loans and leases to total assets | 41.5597% | 5,436 |
| Net loans and leases to deposits | 45.6533% | 5,587 |
| Net loans and leases to core deposits | 45.9530% | 5,651 |
| Total domestic deposits to total assets | 91.0333% | 269 |
| Equity capital to assets | 8.4755% | 5,584 |
| Core capital (leverage) ratio | 8.1727% | 5,716 |
| Tier 1 risk-based capital ratio | 13.2124% | 4,162 |
| Total risk-based capital ratio | 13.7491% | 4,524 |
| Memoranda: | ||
| Average total assets | $46,245,400 | 5,627 |
| Average earning assets | $39,567,400 | 5,691 |
| Average equity | $3,862,200 | 5,878 |
| Average total loans | $19,417,800 | 5,745 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,233 |
| Cost of funding earning assets | 0.1751% | 5,590 |
| Net interest margin | 3.5829% | 3,224 |
| Noninterest income to average assets | 0.1620% | 5,676 |
| Noninterest expense to average assets | 2.6811% | 3,628 |
| Loan and lease loss provision to assets | 0.0897% | 2,367 |
| Net operating income to assets | 0.4685% | 4,902 |
| Return on assets (ROA) | 0.4743% | 4,980 |
| Pretax return on assets | 0.4743% | 5,283 |
| Return on Equity (ROE) | 5.7010% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.6152% | 3,896 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7679% | 1,298 |
| Assets per employee ($millions) | 2.9291% | 5,621 |
| Cash dividends to net income (ytd only)* | 36.5865% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 5,742 |
| Loan loss allowance to noncurrent loans | 224.1379% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 5,184 |
| Noncurrent loans to loans | 0.3095% | 4,495 |
| Net loans and leases to total assets | 42.3584% | 5,465 |
| Net loans and leases to deposits | 46.7378% | 5,622 |
| Net loans and leases to core deposits | 47.0664% | 5,690 |
| Total domestic deposits to total assets | 90.6298% | 354 |
| Equity capital to assets | 8.8968% | 5,398 |
| Core capital (leverage) ratio | 8.0119% | 5,896 |
| Tier 1 risk-based capital ratio | 13.5399% | 4,121 |
| Total risk-based capital ratio | 14.0223% | 4,473 |
| Memoranda: | ||
| Average total assets | $46,099,500 | 5,703 |
| Average earning assets | $39,595,000 | 5,766 |
| Average equity | $3,835,500 | 5,961 |
| Average total loans | $19,369,250 | 5,819 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 4,432 |
| Cost of funding earning assets | 0.1703% | 5,689 |
| Net interest margin | 3.5209% | 3,412 |
| Noninterest income to average assets | 0.1922% | 5,526 |
| Noninterest expense to average assets | 2.6014% | 3,904 |
| Loan and lease loss provision to assets | 0.0256% | 3,622 |
| Net operating income to assets | 0.5681% | 4,484 |
| Return on assets (ROA) | 0.5681% | 4,585 |
| Pretax return on assets | 0.5681% | 5,055 |
| Return on Equity (ROE) | 6.9798% | 3,619 |
| Retained earnings to average equity (ytd only) | 3.8310% | 3,566 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4171% | 1,570 |
| Assets per employee ($millions) | 3.6321% | 4,568 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5292% | 6,060 |
| Loan loss allowance to noncurrent loans | 167.7419% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 5,279 |
| Noncurrent loans to loans | 0.3155% | 4,562 |
| Net loans and leases to total assets | 41.4025% | 5,542 |
| Net loans and leases to deposits | 45.1603% | 5,717 |
| Net loans and leases to core deposits | 45.1603% | 5,798 |
| Total domestic deposits to total assets | 91.6788% | 162 |
| Equity capital to assets | 8.0035% | 5,982 |
| Core capital (leverage) ratio | 7.7792% | 6,023 |
| Tier 1 risk-based capital ratio | 12.8514% | 4,597 |
| Total risk-based capital ratio | 13.2210% | 5,073 |
| Memoranda: | ||
| Average total assets | $46,820,330 | 5,751 |
| Average earning assets | $39,932,670 | 5,815 |
| Average equity | $3,811,000 | 6,025 |
| Average total loans | $19,578,670 | 5,867 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 4,647 |
| Cost of funding earning assets | 0.1692% | 5,778 |
| Net interest margin | 3.4439% | 3,648 |
| Noninterest income to average assets | 0.2660% | 5,050 |
| Noninterest expense to average assets | 2.6254% | 3,843 |
| Loan and lease loss provision to assets | 0.0257% | 3,365 |
| Net operating income to assets | 0.5834% | 4,348 |
| Return on assets (ROA) | 0.5834% | 4,452 |
| Pretax return on assets | 0.5834% | 4,961 |
| Return on Equity (ROE) | 7.1074% | 3,449 |
| Retained earnings to average equity (ytd only) | 0.8362% | 5,125 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1671% | 1,733 |
| Assets per employee ($millions) | 3.2296% | 5,358 |
| Cash dividends to net income (ytd only)* | 88.2353% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5423% | 6,125 |
| Loan loss allowance to noncurrent loans | 157.8125% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 5,319 |
| Noncurrent loans to loans | 0.3436% | 4,557 |
| Net loans and leases to total assets | 40.9718% | 5,548 |
| Net loans and leases to deposits | 45.0862% | 5,705 |
| Net loans and leases to core deposits | 45.0862% | 5,795 |
| Total domestic deposits to total assets | 90.8745% | 408 |
| Equity capital to assets | 8.5925% | 5,670 |
| Core capital (leverage) ratio | 7.4792% | 6,146 |
| Tier 1 risk-based capital ratio | 13.1819% | 4,513 |
| Total risk-based capital ratio | 13.5567% | 4,954 |
| Memoranda: | ||
| Average total assets | $46,622,000 | 5,803 |
| Average earning assets | $40,186,500 | 5,862 |
| Average equity | $3,827,000 | 6,076 |
| Average total loans | $19,541,500 | 5,917 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,453 |
| Cost of funding earning assets | 0.1922% | 5,817 |
| Net interest margin | 3.6207% | 3,332 |
| Noninterest income to average assets | 0.2693% | 5,195 |
| Noninterest expense to average assets | 2.7967% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3943% | 5,240 |
| Return on assets (ROA) | 0.3943% | 5,309 |
| Pretax return on assets | 0.3943% | 5,503 |
| Return on Equity (ROE) | 5.1195% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.7207% | 3,567 |
| Net charge-offs to loans | 0.0821% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 2,407 |
| Efficiency ratio | 87.6435% | 1,022 |
| Assets per employee ($millions) | 3.2020% | 5,431 |
| Cash dividends to net income (ytd only)* | 27.3224% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4791% | 6,273 |
| Loan loss allowance to noncurrent loans | 148.4848% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 5,407 |
| Noncurrent loans to loans | 0.3226% | 4,684 |
| Net loans and leases to total assets | 42.3881% | 5,585 |
| Net loans and leases to deposits | 47.8214% | 5,694 |
| Net loans and leases to core deposits | 47.8214% | 5,819 |
| Total domestic deposits to total assets | 88.6384% | 1,448 |
| Equity capital to assets | 7.8472% | 6,129 |
| Core capital (leverage) ratio | 7.9628% | 6,023 |
| Tier 1 risk-based capital ratio | 12.4881% | 5,042 |
| Total risk-based capital ratio | 12.8334% | 5,528 |
| Memoranda: | ||
| Average total assets | $46,412,000 | 5,874 |
| Average earning assets | $37,451,600 | 6,001 |
| Average equity | $3,574,600 | 6,166 |
| Average total loans | $18,266,400 | 6,033 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,435 |
| Cost of funding earning assets | 0.1924% | 5,890 |
| Net interest margin | 3.6382% | 3,278 |
| Noninterest income to average assets | 0.1913% | 5,774 |
| Noninterest expense to average assets | 2.7879% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3072% | 5,557 |
| Return on assets (ROA) | 0.3072% | 5,632 |
| Pretax return on assets | 0.3072% | 5,759 |
| Return on Equity (ROE) | 4.0082% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.1174% | 4,998 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0749% | 840 |
| Assets per employee ($millions) | 2.9506% | 5,783 |
| Cash dividends to net income (ytd only)* | 47.1733% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 6,150 |
| Loan loss allowance to noncurrent loans | 118.9474% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 5,286 |
| Noncurrent loans to loans | 0.5553% | 4,257 |
| Net loans and leases to total assets | 38.3990% | 5,920 |
| Net loans and leases to deposits | 42.0679% | 6,047 |
| Net loans and leases to core deposits | 42.0679% | 6,113 |
| Total domestic deposits to total assets | 91.2786% | 287 |
| Equity capital to assets | 8.3237% | 5,922 |
| Core capital (leverage) ratio | 7.7355% | 6,201 |
| Tier 1 risk-based capital ratio | 13.6670% | 4,435 |
| Total risk-based capital ratio | 14.1123% | 4,864 |
| Memoranda: | ||
| Average total assets | $46,007,500 | 5,950 |
| Average earning assets | $36,721,000 | 6,095 |
| Average equity | $3,526,000 | 6,243 |
| Average total loans | $17,718,750 | 6,117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,497 |
| Cost of funding earning assets | 0.1894% | 6,007 |
| Net interest margin | 3.6195% | 3,284 |
| Noninterest income to average assets | 0.2404% | 5,471 |
| Noninterest expense to average assets | 2.7645% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3477% | 5,414 |
| Return on assets (ROA) | 0.3477% | 5,484 |
| Pretax return on assets | 0.3477% | 5,678 |
| Return on Equity (ROE) | 4.6641% | 4,832 |
| Retained earnings to average equity (ytd only) | 1.7850% | 4,999 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8276% | 1,008 |
| Assets per employee ($millions) | 2.9761% | 5,785 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 6,246 |
| Loan loss allowance to noncurrent loans | 111.8812% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 5,202 |
| Noncurrent loans to loans | 0.5822% | 4,277 |
| Net loans and leases to total assets | 38.6094% | 5,916 |
| Net loans and leases to deposits | 42.1717% | 6,062 |
| Net loans and leases to core deposits | 42.1717% | 6,144 |
| Total domestic deposits to total assets | 91.5528% | 250 |
| Equity capital to assets | 8.1112% | 6,087 |
| Core capital (leverage) ratio | 7.3415% | 6,359 |
| Tier 1 risk-based capital ratio | 13.3380% | 4,696 |
| Total risk-based capital ratio | 13.7759% | 5,135 |
| Memoranda: | ||
| Average total assets | $46,590,330 | 5,994 |
| Average earning assets | $36,966,670 | 6,148 |
| Average equity | $3,473,330 | 6,296 |
| Average total loans | $17,922,330 | 6,163 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,408 |
| Cost of funding earning assets | 0.1844% | 6,121 |
| Net interest margin | 3.6343% | 3,125 |
| Noninterest income to average assets | 0.3027% | 4,931 |
| Noninterest expense to average assets | 2.6490% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4709% | 4,834 |
| Return on assets (ROA) | 0.4709% | 4,912 |
| Pretax return on assets | 0.4709% | 5,256 |
| Return on Equity (ROE) | 6.5892% | 3,686 |
| Retained earnings to average equity (ytd only) | 0.7060% | 5,309 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9057% | 1,560 |
| Assets per employee ($millions) | 3.1489% | 5,601 |
| Cash dividends to net income (ytd only)* | 89.2857% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 6,332 |
| Loan loss allowance to noncurrent loans | 79.5775% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,064 |
| Noncurrent loans to loans | 0.8272% | 3,816 |
| Net loans and leases to total assets | 36.1040% | 6,065 |
| Net loans and leases to deposits | 39.0309% | 6,203 |
| Net loans and leases to core deposits | 39.0309% | 6,273 |
| Total domestic deposits to total assets | 92.5010% | 166 |
| Equity capital to assets | 7.3233% | 6,370 |
| Core capital (leverage) ratio | 7.1244% | 6,444 |
| Tier 1 risk-based capital ratio | 13.0701% | 4,964 |
| Total risk-based capital ratio | 13.5024% | 5,405 |
| Memoranda: | ||
| Average total assets | $47,564,500 | 6,020 |
| Average earning assets | $36,871,000 | 6,209 |
| Average equity | $3,399,500 | 6,366 |
| Average total loans | $18,209,000 | 6,209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 4,434 |
| Cost of funding earning assets | 0.2190% | 6,186 |
| Net interest margin | 3.6877% | 3,106 |
| Noninterest income to average assets | 0.0961% | 6,401 |
| Noninterest expense to average assets | 2.7976% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1666% | 5,901 |
| Return on assets (ROA) | 0.1666% | 5,968 |
| Pretax return on assets | 0.1751% | 5,984 |
| Return on Equity (ROE) | 2.2232% | 5,759 |
| Retained earnings to average equity (ytd only) | 0.7981% | 5,479 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1092% | 742 |
| Assets per employee ($millions) | 3.1931% | 5,499 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5870% | 6,494 |
| Loan loss allowance to noncurrent loans | 78.4722% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 5,158 |
| Noncurrent loans to loans | 0.7480% | 4,096 |
| Net loans and leases to total assets | 39.9595% | 5,966 |
| Net loans and leases to deposits | 43.0051% | 6,176 |
| Net loans and leases to core deposits | 43.0051% | 6,267 |
| Total domestic deposits to total assets | 92.9180% | 142 |
| Equity capital to assets | 6.9734% | 6,462 |
| Core capital (leverage) ratio | 7.3962% | 6,415 |
| Tier 1 risk-based capital ratio | 12.1578% | 5,522 |
| Total risk-based capital ratio | 12.5606% | 5,953 |
| Memoranda: | ||
| Average total assets | $46,825,200 | 6,096 |
| Average earning assets | $36,526,400 | 6,270 |
| Average equity | $3,508,400 | 6,433 |
| Average total loans | $17,639,200 | 6,298 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 4,399 |
| Cost of funding earning assets | 0.2280% | 6,242 |
| Net interest margin | 3.6990% | 3,035 |
| Noninterest income to average assets | -0.0487% | 6,790 |
| Noninterest expense to average assets | 2.8036% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0200% | 6,267 |
| Return on assets (ROA) | 0.0200% | 6,327 |
| Pretax return on assets | 0.0286% | 6,292 |
| Return on Equity (ROE) | 0.2628% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.6147% | 6,216 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9889% | 500 |
| Assets per employee ($millions) | 2.9759% | 5,887 |
| Cash dividends to net income (ytd only)* | 714.5766% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 6,492 |
| Loan loss allowance to noncurrent loans | 37.5415% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 4,246 |
| Noncurrent loans to loans | 1.7495% | 2,570 |
| Net loans and leases to total assets | 38.2902% | 6,158 |
| Net loans and leases to deposits | 41.5591% | 6,334 |
| Net loans and leases to core deposits | 41.5591% | 6,396 |
| Total domestic deposits to total assets | 92.1345% | 231 |
| Equity capital to assets | 7.5272% | 6,384 |
| Core capital (leverage) ratio | 7.3487% | 6,494 |
| Tier 1 risk-based capital ratio | 12.9307% | 5,169 |
| Total risk-based capital ratio | 13.3682% | 5,641 |
| Memoranda: | ||
| Average total assets | $46,557,500 | 6,174 |
| Average earning assets | $36,261,250 | 6,348 |
| Average equity | $3,550,500 | 6,501 |
| Average total loans | $17,236,000 | 6,375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 4,508 |
| Cost of funding earning assets | 0.2306% | 6,306 |
| Net interest margin | 3.6619% | 3,127 |
| Noninterest income to average assets | -0.1865% | 6,867 |
| Noninterest expense to average assets | 2.8519% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2246% | 6,503 |
| Return on assets (ROA) | -0.2246% | 6,534 |
| Pretax return on assets | -0.2119% | 6,504 |
| Return on Equity (ROE) | -2.9330% | 6,575 |
| Retained earnings to average equity (ytd only) | -5.7001% | 6,496 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0257% | 307 |
| Assets per employee ($millions) | 2.7358% | 6,241 |
| Cash dividends to net income (ytd only)* | -94.3396% | 6,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 6,536 |
| Loan loss allowance to noncurrent loans | 230.6122% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 5,217 |
| Noncurrent loans to loans | 0.2911% | 5,569 |
| Net loans and leases to total assets | 38.1948% | 6,169 |
| Net loans and leases to deposits | 41.2764% | 6,353 |
| Net loans and leases to core deposits | 41.5441% | 6,421 |
| Total domestic deposits to total assets | 92.5342% | 178 |
| Equity capital to assets | 7.1642% | 6,558 |
| Core capital (leverage) ratio | 7.0153% | 6,610 |
| Tier 1 risk-based capital ratio | 12.8737% | 5,240 |
| Total risk-based capital ratio | 13.3194% | 5,703 |
| Memoranda: | ||
| Average total assets | $47,197,330 | 6,203 |
| Average earning assets | $36,429,000 | 6,384 |
| Average equity | $3,614,000 | 6,536 |
| Average total loans | $17,246,330 | 6,415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 4,472 |
| Cost of funding earning assets | 0.2364% | 6,370 |
| Net interest margin | 3.6639% | 3,012 |
| Noninterest income to average assets | 0.2208% | 5,901 |
| Noninterest expense to average assets | 2.6171% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3844% | 5,187 |
| Return on assets (ROA) | 0.3844% | 5,331 |
| Pretax return on assets | 0.3926% | 5,584 |
| Return on Equity (ROE) | 4.8793% | 4,645 |
| Retained earnings to average equity (ytd only) | -0.3114% | 5,836 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9565% | 1,417 |
| Assets per employee ($millions) | 2.8651% | 6,195 |
| Cash dividends to net income (ytd only)* | 106.3830% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,592 |
| Loan loss allowance to noncurrent loans | 269.0476% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 4,195 |
| Noncurrent loans to loans | 0.2618% | 5,754 |
| Net loans and leases to total assets | 32.7058% | 6,481 |
| Net loans and leases to deposits | 35.8743% | 6,576 |
| Net loans and leases to core deposits | 36.0864% | 6,620 |
| Total domestic deposits to total assets | 91.1676% | 456 |
| Equity capital to assets | 7.8428% | 6,455 |
| Core capital (leverage) ratio | 6.8958% | 6,671 |
| Tier 1 risk-based capital ratio | 13.9314% | 4,558 |
| Total risk-based capital ratio | 14.3993% | 5,060 |
| Memoranda: | ||
| Average total assets | $48,909,500 | 6,209 |
| Average earning assets | $37,228,000 | 6,425 |
| Average equity | $3,853,000 | 6,548 |
| Average total loans | $17,453,500 | 6,467 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 5,406 |
| Cost of funding earning assets | 0.2740% | 6,573 |
| Net interest margin | 3.6924% | 3,681 |
| Noninterest income to average assets | 0.3799% | 4,750 |
| Noninterest expense to average assets | 3.1150% | 2,885 |
| Loan and lease loss provision to assets | 0.0222% | 5,618 |
| Net operating income to assets | 0.3221% | 5,391 |
| Return on assets (ROA) | 0.4288% | 5,218 |
| Pretax return on assets | 0.4355% | 5,462 |
| Return on Equity (ROE) | 5.0991% | 4,636 |
| Retained earnings to average equity (ytd only) | 5.0991% | 2,645 |
| Net charge-offs to loans | -0.0060% | 6,401 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9294% | 1,077 |
| Assets per employee ($millions) | 2.8889% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 6,761 |
| Loan loss allowance to noncurrent loans | 33.5312% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 3,142 |
| Noncurrent loans to loans | 1.7865% | 2,937 |
| Net loans and leases to total assets | 38.1801% | 6,290 |
| Net loans and leases to deposits | 41.9101% | 6,466 |
| Net loans and leases to core deposits | 42.1570% | 6,539 |
| Total domestic deposits to total assets | 91.0999% | 463 |
| Equity capital to assets | 7.9125% | 6,450 |
| Core capital (leverage) ratio | 7.4643% | 6,517 |
| Tier 1 risk-based capital ratio | 12.6527% | 5,362 |
| Total risk-based capital ratio | 13.0773% | 5,853 |
| Memoranda: | ||
| Average total assets | $45,007,600 | 6,347 |
| Average earning assets | $37,590,800 | 6,448 |
| Average equity | $3,785,000 | 6,615 |
| Average total loans | $16,658,200 | 6,567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 5,588 |
| Cost of funding earning assets | 0.2821% | 6,689 |
| Net interest margin | 3.6918% | 3,834 |
| Noninterest income to average assets | 0.3092% | 5,311 |
| Noninterest expense to average assets | 3.1376% | 2,770 |
| Loan and lease loss provision to assets | 0.0303% | 5,401 |
| Net operating income to assets | 0.2708% | 5,713 |
| Return on assets (ROA) | 0.3213% | 5,744 |
| Pretax return on assets | 0.3274% | 5,900 |
| Return on Equity (ROE) | 3.7590% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.7590% | 4,246 |
| Net charge-offs to loans | -0.0083% | 6,334 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1092% | 954 |
| Assets per employee ($millions) | 2.5861% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 6,729 |
| Loan loss allowance to noncurrent loans | 11,300.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 4,472 |
| Noncurrent loans to loans | 0.0063% | 6,667 |
| Net loans and leases to total assets | 35.5928% | 6,574 |
| Net loans and leases to deposits | 39.4723% | 6,695 |
| Net loans and leases to core deposits | 39.4723% | 6,763 |
| Total domestic deposits to total assets | 90.1715% | 750 |
| Equity capital to assets | 8.7458% | 6,071 |
| Core capital (leverage) ratio | 7.3705% | 6,687 |
| Tier 1 risk-based capital ratio | 14.4754% | 4,200 |
| Total risk-based capital ratio | 14.9740% | 4,693 |
| Memoranda: | ||
| Average total assets | $43,981,500 | 6,449 |
| Average earning assets | $37,343,500 | 6,535 |
| Average equity | $3,759,750 | 6,703 |
| Average total loans | $16,106,750 | 6,678 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 5,801 |
| Cost of funding earning assets | 0.2874% | 6,775 |
| Net interest margin | 3.6567% | 4,004 |
| Noninterest income to average assets | 0.3637% | 4,925 |
| Noninterest expense to average assets | 3.0918% | 2,950 |
| Loan and lease loss provision to assets | 0.0409% | 5,160 |
| Net operating income to assets | 0.3471% | 5,446 |
| Return on assets (ROA) | 0.4228% | 5,367 |
| Pretax return on assets | 0.4319% | 5,627 |
| Return on Equity (ROE) | 4.9848% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.9848% | 3,291 |
| Net charge-offs to loans | -0.0123% | 6,324 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6571% | 1,178 |
| Assets per employee ($millions) | 2.3880% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 6,824 |
| Loan loss allowance to noncurrent loans | 248.8889% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0446% | 4,293 |
| Noncurrent loans to loans | 0.2839% | 6,003 |
| Net loans and leases to total assets | 36.6090% | 6,576 |
| Net loans and leases to deposits | 40.5881% | 6,715 |
| Net loans and leases to core deposits | 40.5881% | 6,785 |
| Total domestic deposits to total assets | 90.1964% | 816 |
| Equity capital to assets | 8.8265% | 5,881 |
| Core capital (leverage) ratio | 7.2768% | 6,731 |
| Tier 1 risk-based capital ratio | 14.3352% | 4,220 |
| Total risk-based capital ratio | 14.8265% | 4,731 |
| Memoranda: | ||
| Average total assets | $43,987,330 | 6,490 |
| Average earning assets | $37,575,000 | 6,572 |
| Average equity | $3,731,330 | 6,747 |
| Average total loans | $16,222,000 | 6,721 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 5,978 |
| Cost of funding earning assets | 0.2949% | 6,855 |
| Net interest margin | 3.6233% | 4,163 |
| Noninterest income to average assets | 0.1978% | 6,201 |
| Noninterest expense to average assets | 2.9850% | 3,310 |
| Loan and lease loss provision to assets | 0.0450% | 4,842 |
| Net operating income to assets | 0.2489% | 5,827 |
| Return on assets (ROA) | 0.3956% | 5,463 |
| Pretax return on assets | 0.4136% | 5,683 |
| Return on Equity (ROE) | 4.7568% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.7568% | 3,705 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7104% | 1,038 |
| Assets per employee ($millions) | 2.6626% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7217% | 6,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 4,440 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.5181% | 6,801 |
| Net loans and leases to deposits | 35.7049% | 6,901 |
| Net loans and leases to core deposits | 35.7049% | 6,949 |
| Total domestic deposits to total assets | 91.0746% | 519 |
| Equity capital to assets | 8.1124% | 6,443 |
| Core capital (leverage) ratio | 7.1691% | 6,775 |
| Tier 1 risk-based capital ratio | 14.0072% | 4,469 |
| Total risk-based capital ratio | 14.4728% | 5,029 |
| Memoranda: | ||
| Average total assets | $44,489,000 | 6,523 |
| Average earning assets | $37,976,000 | 6,605 |
| Average equity | $3,700,000 | 6,797 |
| Average total loans | $16,409,000 | 6,773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 5,381 |
| Cost of funding earning assets | 0.4151% | 6,851 |
| Net interest margin | 3.9948% | 2,911 |
| Noninterest income to average assets | 0.2970% | 5,403 |
| Noninterest expense to average assets | 3.1377% | 3,073 |
| Loan and lease loss provision to assets | 0.0431% | 6,037 |
| Net operating income to assets | 0.4772% | 4,516 |
| Return on assets (ROA) | 0.7665% | 3,351 |
| Pretax return on assets | 0.7736% | 4,073 |
| Return on Equity (ROE) | 9.7294% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.7294% | 617 |
| Net charge-offs to loans | -0.0177% | 6,943 |
| Credit loss provision to net charge-offs | -600.0000% | 6,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6769% | 1,599 |
| Assets per employee ($millions) | 2.7321% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 7,044 |
| Loan loss allowance to noncurrent loans | 145.7143% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3016% | 4,043 |
| Noncurrent loans to loans | 0.3891% | 5,933 |
| Net loans and leases to total assets | 40.9251% | 6,474 |
| Net loans and leases to deposits | 45.2144% | 6,664 |
| Net loans and leases to core deposits | 45.2144% | 6,762 |
| Total domestic deposits to total assets | 90.5133% | 713 |
| Equity capital to assets | 8.5282% | 6,107 |
| Core capital (leverage) ratio | 7.2597% | 6,762 |
| Tier 1 risk-based capital ratio | 12.8258% | 5,219 |
| Total risk-based capital ratio | 13.2380% | 5,819 |
| Memoranda: | ||
| Average total assets | $41,750,400 | 6,610 |
| Average earning assets | $35,170,800 | 6,705 |
| Average equity | $3,289,000 | 6,935 |
| Average total loans | $16,974,800 | 6,803 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 5,613 |
| Cost of funding earning assets | 0.4454% | 6,895 |
| Net interest margin | 3.9508% | 3,155 |
| Noninterest income to average assets | 0.1906% | 6,228 |
| Noninterest expense to average assets | 3.1539% | 2,980 |
| Loan and lease loss provision to assets | 0.0453% | 5,877 |
| Net operating income to assets | 0.3142% | 5,342 |
| Return on assets (ROA) | 0.7045% | 3,762 |
| Pretax return on assets | 0.7109% | 4,434 |
| Return on Equity (ROE) | 9.1424% | 2,534 |
| Retained earnings to average equity (ytd only) | 9.1424% | 1,094 |
| Net charge-offs to loans | -0.0080% | 6,757 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7059% | 1,188 |
| Assets per employee ($millions) | 2.4985% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 7,090 |
| Loan loss allowance to noncurrent loans | 111.6279% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 4,120 |
| Noncurrent loans to loans | 0.5330% | 5,790 |
| Net loans and leases to total assets | 37.7643% | 6,783 |
| Net loans and leases to deposits | 41.5404% | 6,931 |
| Net loans and leases to core deposits | 41.5404% | 6,995 |
| Total domestic deposits to total assets | 90.9097% | 465 |
| Equity capital to assets | 8.2592% | 6,521 |
| Core capital (leverage) ratio | 7.3303% | 6,841 |
| Tier 1 risk-based capital ratio | 13.4958% | 4,735 |
| Total risk-based capital ratio | 13.9174% | 5,335 |
| Memoranda: | ||
| Average total assets | $41,259,500 | 6,681 |
| Average earning assets | $34,726,750 | 6,787 |
| Average equity | $3,179,250 | 7,029 |
| Average total loans | $16,720,500 | 6,882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 5,741 |
| Cost of funding earning assets | 0.4694% | 6,953 |
| Net interest margin | 3.9176% | 3,230 |
| Noninterest income to average assets | 0.1518% | 6,563 |
| Noninterest expense to average assets | 3.2261% | 2,819 |
| Loan and lease loss provision to assets | 0.0441% | 5,765 |
| Net operating income to assets | 0.1811% | 5,803 |
| Return on assets (ROA) | 0.1811% | 5,903 |
| Pretax return on assets | 0.1909% | 5,948 |
| Return on Equity (ROE) | 2.4107% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.4107% | 4,758 |
| Net charge-offs to loans | -0.0118% | 6,724 |
| Credit loss provision to net charge-offs | -900.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2107% | 1,031 |
| Assets per employee ($millions) | 6.6470% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5566% | 7,191 |
| Loan loss allowance to noncurrent loans | 131.8841% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 4,118 |
| Noncurrent loans to loans | 0.4220% | 6,058 |
| Net loans and leases to total assets | 40.7653% | 6,685 |
| Net loans and leases to deposits | 44.7718% | 6,894 |
| Net loans and leases to core deposits | 44.7718% | 6,984 |
| Total domestic deposits to total assets | 91.0511% | 481 |
| Equity capital to assets | 8.1190% | 6,588 |
| Core capital (leverage) ratio | 6.7333% | 7,072 |
| Tier 1 risk-based capital ratio | 12.9396% | 4,966 |
| Total risk-based capital ratio | 13.3468% | 5,680 |
| Memoranda: | ||
| Average total assets | $40,854,670 | 6,758 |
| Average earning assets | $34,511,000 | 6,849 |
| Average equity | $3,069,670 | 7,111 |
| Average total loans | $16,915,330 | 6,945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 6,040 |
| Cost of funding earning assets | 0.4920% | 6,996 |
| Net interest margin | 3.7987% | 3,630 |
| Noninterest income to average assets | 0.0097% | 7,271 |
| Noninterest expense to average assets | 3.0768% | 3,351 |
| Loan and lease loss provision to assets | 0.0484% | 5,397 |
| Net operating income to assets | 0.0774% | 6,151 |
| Return on assets (ROA) | 0.0774% | 6,207 |
| Pretax return on assets | 0.0968% | 6,172 |
| Return on Equity (ROE) | 1.0718% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.0718% | 5,397 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4955% | 950 |
| Assets per employee ($millions) | 2.6828% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5417% | 7,259 |
| Loan loss allowance to noncurrent loans | 104.8780% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 4,297 |
| Noncurrent loans to loans | 0.5165% | 5,993 |
| Net loans and leases to total assets | 36.7828% | 6,967 |
| Net loans and leases to deposits | 39.8169% | 7,112 |
| Net loans and leases to core deposits | 39.8169% | 7,169 |
| Total domestic deposits to total assets | 92.3797% | 192 |
| Equity capital to assets | 7.0681% | 7,064 |
| Core capital (leverage) ratio | 6.5727% | 7,152 |
| Tier 1 risk-based capital ratio | 12.6179% | 5,149 |
| Total risk-based capital ratio | 12.9969% | 5,906 |
| Memoranda: | ||
| Average total assets | $41,341,000 | 6,783 |
| Average earning assets | $34,959,000 | 6,884 |
| Average equity | $2,985,500 | 7,172 |
| Average total loans | $17,198,500 | 6,987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 4,536 |
| Cost of funding earning assets | 0.6888% | 6,915 |
| Net interest margin | 4.3161% | 1,767 |
| Noninterest income to average assets | -0.4499% | 7,556 |
| Noninterest expense to average assets | 3.4976% | 2,190 |
| Loan and lease loss provision to assets | 0.0458% | 6,706 |
| Net operating income to assets | -0.4601% | 6,360 |
| Return on assets (ROA) | -0.4601% | 6,390 |
| Pretax return on assets | -0.4575% | 6,289 |
| Return on Equity (ROE) | -5.9634% | 6,496 |
| Retained earnings to average equity (ytd only) | -5.9634% | 6,379 |
| Net charge-offs to loans | 0.9553% | 2,270 |
| Credit loss provision to net charge-offs | 10.4651% | 6,612 |
| Earnings coverage of net charge-offs (x) | -0.9419% | 6,589 |
| Efficiency ratio | 113.3443% | 483 |
| Assets per employee ($millions) | 2.3386% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4373% | 7,401 |
| Loan loss allowance to noncurrent loans | 117.3913% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 4,562 |
| Noncurrent loans to loans | 0.3725% | 6,308 |
| Net loans and leases to total assets | 46.3843% | 6,526 |
| Net loans and leases to deposits | 50.3852% | 6,837 |
| Net loans and leases to core deposits | 50.3852% | 6,964 |
| Total domestic deposits to total assets | 92.0593% | 270 |
| Equity capital to assets | 7.3874% | 6,948 |
| Core capital (leverage) ratio | 7.1154% | 6,963 |
| Tier 1 risk-based capital ratio | 11.7485% | 5,691 |
| Total risk-based capital ratio | 12.0818% | 6,434 |
| Memoranda: | ||
| Average total assets | $39,341,000 | 6,884 |
| Average earning assets | $32,228,000 | 7,008 |
| Average equity | $3,035,200 | 7,271 |
| Average total loans | $18,005,200 | 7,026 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 4,504 |
| Cost of funding earning assets | 0.7242% | 6,996 |
| Net interest margin | 4.3413% | 1,708 |
| Noninterest income to average assets | -0.8359% | 7,717 |
| Noninterest expense to average assets | 3.4117% | 2,258 |
| Loan and lease loss provision to assets | 0.0612% | 6,453 |
| Net operating income to assets | -0.7680% | 6,776 |
| Return on assets (ROA) | -0.7680% | 6,809 |
| Pretax return on assets | -0.7646% | 6,717 |
| Return on Equity (ROE) | -9.8482% | 6,921 |
| Retained earnings to average equity (ytd only) | -9.8482% | 6,870 |
| Net charge-offs to loans | 1.3127% | 1,553 |
| Credit loss provision to net charge-offs | 10.2273% | 6,336 |
| Earnings coverage of net charge-offs (x) | -1.1761% | 6,473 |
| Efficiency ratio | 125.9724% | 332 |
| Assets per employee ($millions) | 2.1567% | 7,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4376% | 7,502 |
| Loan loss allowance to noncurrent loans | 104.0541% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 4,600 |
| Noncurrent loans to loans | 0.4206% | 6,358 |
| Net loans and leases to total assets | 45.1262% | 6,762 |
| Net loans and leases to deposits | 49.5306% | 7,019 |
| Net loans and leases to core deposits | 49.5306% | 7,137 |
| Total domestic deposits to total assets | 91.1077% | 408 |
| Equity capital to assets | 8.0191% | 6,792 |
| Core capital (leverage) ratio | 7.1706% | 7,073 |
| Tier 1 risk-based capital ratio | 12.0637% | 5,401 |
| Total risk-based capital ratio | 12.3943% | 6,237 |
| Memoranda: | ||
| Average total assets | $39,237,000 | 6,970 |
| Average earning assets | $32,032,750 | 7,097 |
| Average equity | $3,059,750 | 7,352 |
| Average total loans | $17,876,000 | 7,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 4,338 |
| Cost of funding earning assets | 0.7514% | 7,063 |
| Net interest margin | 4.3707% | 1,533 |
| Noninterest income to average assets | -0.6654% | 7,767 |
| Noninterest expense to average assets | 3.6723% | 1,617 |
| Loan and lease loss provision to assets | 0.0914% | 6,010 |
| Net operating income to assets | -0.8889% | 6,897 |
| Return on assets (ROA) | -0.8889% | 6,917 |
| Pretax return on assets | -0.8838% | 6,836 |
| Return on Equity (ROE) | -11.5056% | 7,019 |
| Retained earnings to average equity (ytd only) | -11.5056% | 6,976 |
| Net charge-offs to loans | 1.3022% | 1,463 |
| Credit loss provision to net charge-offs | 15.3846% | 5,890 |
| Earnings coverage of net charge-offs (x) | -1.3333% | 6,162 |
| Efficiency ratio | 127.5132% | 335 |
| Assets per employee ($millions) | 2.1479% | 7,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 7,130 |
| Loan loss allowance to noncurrent loans | 21.0526% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 3.0366% | 2,343 |
| Noncurrent loans to loans | 3.5911% | 2,198 |
| Net loans and leases to total assets | 46.1771% | 6,769 |
| Net loans and leases to deposits | 50.7534% | 7,038 |
| Net loans and leases to core deposits | 50.7534% | 7,184 |
| Total domestic deposits to total assets | 90.9834% | 489 |
| Equity capital to assets | 7.9484% | 6,810 |
| Core capital (leverage) ratio | 7.3493% | 6,959 |
| Tier 1 risk-based capital ratio | 12.0687% | 5,252 |
| Total risk-based capital ratio | 12.6424% | 5,851 |
| Memoranda: | ||
| Average total assets | $39,376,000 | 7,015 |
| Average earning assets | $31,940,000 | 7,162 |
| Average equity | $3,042,000 | 7,403 |
| Average total loans | $17,969,670 | 7,176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 4,976 |
| Cost of funding earning assets | 0.7871% | 7,128 |
| Net interest margin | 4.2227% | 1,955 |
| Noninterest income to average assets | 0.5638% | 3,530 |
| Noninterest expense to average assets | 6.2215% | 198 |
| Loan and lease loss provision to assets | 0.1812% | 4,710 |
| Net operating income to assets | -2.4363% | 7,545 |
| Return on assets (ROA) | -2.4363% | 7,549 |
| Pretax return on assets | -2.4363% | 7,502 |
| Return on Equity (ROE) | -31.9841% | 7,595 |
| Retained earnings to average equity (ytd only) | -31.9841% | 7,573 |
| Net charge-offs to loans | 2.6281% | 620 |
| Credit loss provision to net charge-offs | 15.2542% | 4,994 |
| Earnings coverage of net charge-offs (x) | -1.8983% | 5,461 |
| Efficiency ratio | 156.8528% | 188 |
| Assets per employee ($millions) | 2.1816% | 7,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 7,209 |
| Loan loss allowance to noncurrent loans | 54.4355% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.3072% | 3,139 |
| Noncurrent loans to loans | 1.4080% | 4,623 |
| Net loans and leases to total assets | 44.5109% | 6,952 |
| Net loans and leases to deposits | 48.3928% | 7,213 |
| Net loans and leases to core deposits | 48.3928% | 7,344 |
| Total domestic deposits to total assets | 91.9784% | 246 |
| Equity capital to assets | 7.4028% | 7,135 |
| Core capital (leverage) ratio | 6.9888% | 7,261 |
| Tier 1 risk-based capital ratio | 11.8395% | 5,361 |
| Total risk-based capital ratio | 12.4115% | 5,963 |
| Memoranda: | ||
| Average total assets | $39,733,000 | 7,096 |
| Average earning assets | $32,017,500 | 7,250 |
| Average equity | $3,026,500 | 7,486 |
| Average total loans | $17,960,000 | 7,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 5,817 |
| Cost of funding earning assets | 1.1296% | 6,882 |
| Net interest margin | 4.0338% | 2,725 |
| Noninterest income to average assets | 0.5515% | 4,009 |
| Noninterest expense to average assets | 4.5416% | 767 |
| Loan and lease loss provision to assets | 0.0330% | 7,202 |
| Net operating income to assets | -0.8946% | 6,509 |
| Return on assets (ROA) | -0.8819% | 6,499 |
| Pretax return on assets | -0.8793% | 6,329 |
| Return on Equity (ROE) | -10.4872% | 6,654 |
| Retained earnings to average equity (ytd only) | -12.3005% | 6,709 |
| Net charge-offs to loans | 0.3898% | 4,262 |
| Credit loss provision to net charge-offs | 18.5714% | 6,942 |
| Earnings coverage of net charge-offs (x) | -4.8286% | 7,105 |
| Efficiency ratio | 123.3264% | 554 |
| Assets per employee ($millions) | 2.2332% | 7,543 |
| Cash dividends to net income (ytd only)* | -17.2911% | 7,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 4,852 |
| Loan loss allowance to noncurrent loans | 98.3264% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 3.1072% | 2,234 |
| Noncurrent loans to loans | 1.3056% | 4,741 |
| Net loans and leases to total assets | 44.9561% | 7,057 |
| Net loans and leases to deposits | 48.9835% | 7,313 |
| Net loans and leases to core deposits | 51.4316% | 7,547 |
| Total domestic deposits to total assets | 91.7780% | 311 |
| Equity capital to assets | 7.8265% | 6,741 |
| Core capital (leverage) ratio | 8.0719% | 6,043 |
| Tier 1 risk-based capital ratio | 12.1562% | 4,814 |
| Total risk-based capital ratio | 13.0971% | 5,040 |
| Memoranda: | ||
| Average total assets | $39,347,400 | 7,122 |
| Average earning assets | $30,541,600 | 7,337 |
| Average equity | $3,308,800 | 7,500 |
| Average total loans | $17,955,800 | 7,315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 5,984 |
| Cost of funding earning assets | 1.2029% | 6,876 |
| Net interest margin | 3.9733% | 2,928 |
| Noninterest income to average assets | 0.4122% | 5,197 |
| Noninterest expense to average assets | 3.6250% | 1,971 |
| Loan and lease loss provision to assets | 1.2061% | 1,608 |
| Net operating income to assets | -1.3185% | 7,020 |
| Return on assets (ROA) | -1.3185% | 7,022 |
| Pretax return on assets | -1.3355% | 6,877 |
| Return on Equity (ROE) | -15.4050% | 7,210 |
| Retained earnings to average equity (ytd only) | -17.7934% | 7,267 |
| Net charge-offs to loans | 3.2160% | 502 |
| Credit loss provision to net charge-offs | 82.1346% | 5,705 |
| Earnings coverage of net charge-offs (x) | -0.0882% | 6,165 |
| Efficiency ratio | 103.7037% | 929 |
| Assets per employee ($millions) | 2.0867% | 7,729 |
| Cash dividends to net income (ytd only)* | -15.5042% | 7,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,995 |
| Loan loss allowance to noncurrent loans | 89.2116% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 3.6607% | 1,788 |
| Noncurrent loans to loans | 1.3704% | 4,629 |
| Net loans and leases to total assets | 46.2474% | 7,091 |
| Net loans and leases to deposits | 50.8787% | 7,368 |
| Net loans and leases to core deposits | 53.1597% | 7,618 |
| Total domestic deposits to total assets | 90.8975% | 449 |
| Equity capital to assets | 8.3837% | 6,406 |
| Core capital (leverage) ratio | 7.9517% | 6,446 |
| Tier 1 risk-based capital ratio | 12.7196% | 4,375 |
| Total risk-based capital ratio | 13.6321% | 4,591 |
| Memoranda: | ||
| Average total assets | $39,135,000 | 7,195 |
| Average earning assets | $30,368,750 | 7,402 |
| Average equity | $3,349,500 | 7,555 |
| Average total loans | $17,868,250 | 7,385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 6,258 |
| Cost of funding earning assets | 1.2773% | 6,879 |
| Net interest margin | 3.8714% | 3,241 |
| Noninterest income to average assets | 0.4135% | 5,172 |
| Noninterest expense to average assets | 3.5956% | 2,078 |
| Loan and lease loss provision to assets | 0.1815% | 5,227 |
| Net operating income to assets | -0.3732% | 6,415 |
| Return on assets (ROA) | -0.3732% | 6,427 |
| Pretax return on assets | -0.3984% | 6,322 |
| Return on Equity (ROE) | -4.3321% | 6,520 |
| Retained earnings to average equity (ytd only) | -7.8447% | 6,650 |
| Net charge-offs to loans | 1.0912% | 1,663 |
| Credit loss provision to net charge-offs | 36.7347% | 5,949 |
| Earnings coverage of net charge-offs (x) | -0.4388% | 6,043 |
| Efficiency ratio | 106.4179% | 955 |
| Assets per employee ($millions) | 1.9265% | 7,901 |
| Cash dividends to net income (ytd only)* | -81.0811% | 8,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,056 |
| Loan loss allowance to noncurrent loans | 68.4524% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 4.7471% | 1,163 |
| Noncurrent loans to loans | 1.9534% | 3,584 |
| Net loans and leases to total assets | 44.0473% | 7,322 |
| Net loans and leases to deposits | 48.4429% | 7,548 |
| Net loans and leases to core deposits | 50.8616% | 7,746 |
| Total domestic deposits to total assets | 90.9263% | 477 |
| Equity capital to assets | 8.6947% | 5,759 |
| Core capital (leverage) ratio | 8.4646% | 5,505 |
| Tier 1 risk-based capital ratio | 13.8929% | 3,580 |
| Total risk-based capital ratio | 14.8585% | 3,674 |
| Memoranda: | ||
| Average total assets | $39,659,670 | 7,222 |
| Average earning assets | $30,376,670 | 7,468 |
| Average equity | $3,416,330 | 7,599 |
| Average total loans | $17,962,330 | 7,440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 6,326 |
| Cost of funding earning assets | 1.3642% | 6,835 |
| Net interest margin | 3.8278% | 3,350 |
| Noninterest income to average assets | 0.3779% | 5,403 |
| Noninterest expense to average assets | 3.5699% | 1,932 |
| Loan and lease loss provision to assets | 0.1790% | 4,666 |
| Net operating income to assets | -0.4674% | 6,845 |
| Return on assets (ROA) | -0.4674% | 6,906 |
| Pretax return on assets | -0.4972% | 6,816 |
| Return on Equity (ROE) | -5.4501% | 7,016 |
| Retained earnings to average equity (ytd only) | -12.4076% | 7,287 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7859% | 817 |
| Assets per employee ($millions) | 1.9920% | 7,908 |
| Cash dividends to net income (ytd only)* | -127.6596% | 8,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 1,860 |
| Loan loss allowance to noncurrent loans | 43.4783% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 4.7139% | 995 |
| Noncurrent loans to loans | 4.1305% | 1,444 |
| Net loans and leases to total assets | 42.5502% | 7,432 |
| Net loans and leases to deposits | 46.7332% | 7,636 |
| Net loans and leases to core deposits | 48.9730% | 7,812 |
| Total domestic deposits to total assets | 91.0492% | 403 |
| Equity capital to assets | 8.5517% | 5,992 |
| Core capital (leverage) ratio | 8.2135% | 6,073 |
| Tier 1 risk-based capital ratio | 13.8619% | 3,659 |
| Total risk-based capital ratio | 15.1126% | 3,584 |
| Memoranda: | ||
| Average total assets | $40,225,000 | 7,240 |
| Average earning assets | $30,200,500 | 7,506 |
| Average equity | $3,449,500 | 7,639 |
| Average total loans | $18,343,000 | 7,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5898% | 7,098 |
| Cost of funding earning assets | 1.8726% | 6,818 |
| Net interest margin | 3.7171% | 4,395 |
| Noninterest income to average assets | 0.5650% | 4,110 |
| Noninterest expense to average assets | 3.7640% | 1,825 |
| Loan and lease loss provision to assets | 0.4153% | 3,207 |
| Net operating income to assets | -0.7509% | 7,102 |
| Return on assets (ROA) | -0.7509% | 7,007 |
| Pretax return on assets | -0.7485% | 6,847 |
| Return on Equity (ROE) | -8.5066% | 7,159 |
| Retained earnings to average equity (ytd only) | -10.6947% | 7,133 |
| Net charge-offs to loans | 0.8710% | 1,435 |
| Credit loss provision to net charge-offs | 106.1728% | 5,045 |
| Earnings coverage of net charge-offs (x) | -0.8519% | 6,570 |
| Efficiency ratio | 109.7115% | 711 |
| Assets per employee ($millions) | 1.9338% | 7,962 |
| Cash dividends to net income (ytd only)* | -25.7235% | 7,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 2,670 |
| Loan loss allowance to noncurrent loans | 43.3878% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 4.5260% | 827 |
| Noncurrent loans to loans | 3.4648% | 1,468 |
| Net loans and leases to total assets | 47.1115% | 7,246 |
| Net loans and leases to deposits | 51.8679% | 7,541 |
| Net loans and leases to core deposits | 54.6472% | 7,781 |
| Total domestic deposits to total assets | 90.8298% | 375 |
| Equity capital to assets | 8.5989% | 5,936 |
| Core capital (leverage) ratio | 8.6105% | 5,362 |
| Tier 1 risk-based capital ratio | 13.2909% | 3,937 |
| Total risk-based capital ratio | 14.4181% | 3,928 |
| Memoranda: | ||
| Average total assets | $41,418,600 | 7,150 |
| Average earning assets | $31,933,400 | 7,409 |
| Average equity | $3,656,000 | 7,629 |
| Average total loans | $18,599,200 | 7,424 |