Home > Vintage Bank Kansas > Performance and Condition Ratios
Vintage Bank Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 2,218 |
| Cost of funding earning assets | 1.2651% | 2,617 |
| Net interest margin | 3.6649% | 1,825 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7515% | 1,624 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.8826% | 2,600 |
| Return on assets (ROA) | 0.8220% | 2,778 |
| Pretax return on assets | 0.8566% | 3,078 |
| Return on Equity (ROE) | 10.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,490 |
| Net charge-offs to loans | -0.0038% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.7193% | 1,488 |
| Assets per employee ($millions) | 3.9052% | 4,191 |
| Cash dividends to net income (ytd only)* | 48.6075% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 2,856 |
| Loan loss allowance to noncurrent loans | 270.2020% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 1,988 |
| Noncurrent loans to loans | 0.4061% | 1,768 |
| Net loans and leases to total assets | 59.7500% | 2,869 |
| Net loans and leases to deposits | 79.1067% | 2,179 |
| Net loans and leases to core deposits | 84.0391% | 2,446 |
| Total domestic deposits to total assets | 75.5300% | 3,985 |
| Equity capital to assets | 8.4321% | 3,099 |
| Core capital (leverage) ratio | 11.3420% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $231,506,400 | 2,781 |
| Average earning assets | $209,307,200 | 2,810 |
| Average equity | $18,475,600 | 2,975 |
| Average total loans | $132,058,400 | 2,844 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 2,298 |
| Cost of funding earning assets | 1.1651% | 2,542 |
| Net interest margin | 3.6205% | 1,946 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.7464% | 1,550 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 0.8924% | 2,710 |
| Return on assets (ROA) | 0.8116% | 2,982 |
| Pretax return on assets | 0.8523% | 3,210 |
| Return on Equity (ROE) | 10.3200% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.1359% | 2,891 |
| Net charge-offs to loans | 0.0010% | 2,591 |
| Credit loss provision to net charge-offs | -17,300.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | 1,439.0000% | 111 |
| Efficiency ratio | 74.4515% | 1,323 |
| Assets per employee ($millions) | 3.6160% | 4,290 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,676 |
| Loan loss allowance to noncurrent loans | 244.8166% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 1,919 |
| Noncurrent loans to loans | 0.4655% | 1,657 |
| Net loans and leases to total assets | 57.5400% | 3,070 |
| Net loans and leases to deposits | 72.7902% | 2,665 |
| Net loans and leases to core deposits | 75.6448% | 2,890 |
| Total domestic deposits to total assets | 79.0400% | 3,688 |
| Equity capital to assets | 7.0771% | 3,573 |
| Core capital (leverage) ratio | 11.4734% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $228,852,500 | 2,805 |
| Average earning assets | $206,560,000 | 2,832 |
| Average equity | $17,990,500 | 3,007 |
| Average total loans | $128,505,750 | 2,874 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 2,339 |
| Cost of funding earning assets | 1.0697% | 2,380 |
| Net interest margin | 3.5672% | 2,106 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.6544% | 1,775 |
| Loan and lease loss provision to assets | -0.1500% | 4,595 |
| Net operating income to assets | 0.9239% | 2,675 |
| Return on assets (ROA) | 0.8035% | 3,075 |
| Pretax return on assets | 0.8509% | 3,280 |
| Return on Equity (ROE) | 9.8900% | 2,734 |
| Retained earnings to average equity (ytd only) | 5.0302% | 2,932 |
| Net charge-offs to loans | 0.0063% | 2,011 |
| Credit loss provision to net charge-offs | -4,325.0000% | 4,659 |
| Earnings coverage of net charge-offs (x) | 236.5000% | 527 |
| Efficiency ratio | 73.9678% | 1,347 |
| Assets per employee ($millions) | 3.9210% | 4,218 |
| Cash dividends to net income (ytd only)* | 49.1266% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,542 |
| Loan loss allowance to noncurrent loans | 228.6567% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 1,781 |
| Noncurrent loans to loans | 0.5163% | 1,429 |
| Net loans and leases to total assets | 54.5000% | 3,234 |
| Net loans and leases to deposits | 70.1426% | 2,775 |
| Net loans and leases to core deposits | 72.5721% | 2,985 |
| Total domestic deposits to total assets | 77.7000% | 3,881 |
| Equity capital to assets | 8.0400% | 3,180 |
| Core capital (leverage) ratio | 11.4467% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $227,995,667 | 2,817 |
| Average earning assets | $206,045,000 | 2,852 |
| Average equity | $18,528,000 | 2,982 |
| Average total loans | $126,446,000 | 2,887 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 1,501 |
| Cost of funding earning assets | 0.3915% | 2,165 |
| Net interest margin | 3.6964% | 1,390 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6503% | 1,675 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.0325% | 2,446 |
| Return on assets (ROA) | 0.9534% | 2,706 |
| Pretax return on assets | 1.0012% | 3,072 |
| Return on Equity (ROE) | 10.9200% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.5842% | 2,415 |
| Net charge-offs to loans | 0.0487% | 1,190 |
| Credit loss provision to net charge-offs | -207.5472% | 4,603 |
| Earnings coverage of net charge-offs (x) | 41.1887% | 1,486 |
| Efficiency ratio | 69.6160% | 1,742 |
| Assets per employee ($millions) | 3.8805% | 4,321 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,075 |
| Loan loss allowance to noncurrent loans | 258.9212% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 1,534 |
| Noncurrent loans to loans | 0.5991% | 1,252 |
| Net loans and leases to total assets | 53.7200% | 3,227 |
| Net loans and leases to deposits | 64.2918% | 3,017 |
| Net loans and leases to core deposits | 66.2708% | 3,119 |
| Total domestic deposits to total assets | 83.5500% | 3,303 |
| Equity capital to assets | 7.9593% | 3,083 |
| Core capital (leverage) ratio | 11.5945% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $211,447,400 | 2,969 |
| Average earning assets | $192,104,600 | 2,989 |
| Average equity | $18,468,400 | 3,081 |
| Average total loans | $108,825,600 | 3,037 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 1,340 |
| Cost of funding earning assets | 0.3009% | 2,155 |
| Net interest margin | 3.6620% | 1,242 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.6594% | 1,564 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.9521% | 2,658 |
| Return on assets (ROA) | 0.9447% | 2,650 |
| Pretax return on assets | 0.9875% | 3,055 |
| Return on Equity (ROE) | 10.5700% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.2868% | 2,639 |
| Net charge-offs to loans | 0.0290% | 1,250 |
| Credit loss provision to net charge-offs | -239.1304% | 4,670 |
| Earnings coverage of net charge-offs (x) | 65.4348% | 1,128 |
| Efficiency ratio | 71.0434% | 1,637 |
| Assets per employee ($millions) | 3.9427% | 4,344 |
| Cash dividends to net income (ytd only)* | 40.5132% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 843 |
| Loan loss allowance to noncurrent loans | 262.6846% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,564 |
| Noncurrent loans to loans | 0.6547% | 1,245 |
| Net loans and leases to total assets | 51.5800% | 3,323 |
| Net loans and leases to deposits | 59.5757% | 3,236 |
| Net loans and leases to core deposits | 60.6670% | 3,334 |
| Total domestic deposits to total assets | 86.5700% | 2,897 |
| Equity capital to assets | 7.3641% | 3,292 |
| Core capital (leverage) ratio | 11.2695% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $209,012,250 | 3,005 |
| Average earning assets | $190,527,000 | 3,019 |
| Average equity | $18,684,250 | 3,100 |
| Average total loans | $105,859,750 | 3,084 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 1,340 |
| Cost of funding earning assets | 0.2746% | 1,962 |
| Net interest margin | 3.5143% | 1,278 |
| Noninterest income to average assets | 0.2354% | 3,769 |
| Noninterest expense to average assets | 2.4863% | 1,973 |
| Loan and lease loss provision to assets | -0.0533% | 4,525 |
| Net operating income to assets | 0.9817% | 2,223 |
| Return on assets (ROA) | 0.9724% | 2,226 |
| Pretax return on assets | 1.0151% | 2,673 |
| Return on Equity (ROE) | 10.2169% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.1464% | 2,287 |
| Net charge-offs to loans | 0.0291% | 1,147 |
| Credit loss provision to net charge-offs | -366.6667% | 3,320 |
| Earnings coverage of net charge-offs (x) | 66.8667% | 1,029 |
| Efficiency ratio | 69.2997% | 2,064 |
| Assets per employee ($millions) | 4.0600% | 4,339 |
| Cash dividends to net income (ytd only)* | 39.8406% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 839 |
| Loan loss allowance to noncurrent loans | 234.6476% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 1,487 |
| Noncurrent loans to loans | 0.7588% | 1,133 |
| Net loans and leases to total assets | 48.5175% | 3,507 |
| Net loans and leases to deposits | 56.6235% | 3,333 |
| Net loans and leases to core deposits | 57.7558% | 3,442 |
| Total domestic deposits to total assets | 85.6843% | 3,325 |
| Equity capital to assets | 8.1809% | 2,982 |
| Core capital (leverage) ratio | 11.1454% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,489,333 | 3,053 |
| Average earning assets | $189,339,000 | 3,068 |
| Average equity | $19,653,667 | 3,096 |
| Average total loans | $103,213,333 | 3,144 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 1,302 |
| Cost of funding earning assets | 0.2940% | 1,707 |
| Net interest margin | 3.3921% | 1,319 |
| Noninterest income to average assets | 0.1414% | 4,303 |
| Noninterest expense to average assets | 2.4555% | 1,997 |
| Loan and lease loss provision to assets | -0.1111% | 4,614 |
| Net operating income to assets | 0.8756% | 2,385 |
| Return on assets (ROA) | 0.8986% | 2,273 |
| Pretax return on assets | 0.9430% | 2,620 |
| Return on Equity (ROE) | 8.7484% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.8166% | 2,656 |
| Net charge-offs to loans | -0.0040% | 3,276 |
| Credit loss provision to net charge-offs | 5,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4010% | 1,924 |
| Assets per employee ($millions) | 3.9174% | 4,433 |
| Cash dividends to net income (ytd only)* | 44.9438% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 643 |
| Loan loss allowance to noncurrent loans | 223.9819% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 1,390 |
| Noncurrent loans to loans | 0.8832% | 1,053 |
| Net loans and leases to total assets | 48.1660% | 3,370 |
| Net loans and leases to deposits | 58.8801% | 2,998 |
| Net loans and leases to core deposits | 59.9614% | 3,148 |
| Total domestic deposits to total assets | 81.8035% | 4,100 |
| Equity capital to assets | 10.3380% | 1,669 |
| Core capital (leverage) ratio | 12.1807% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,083,500 | 3,121 |
| Average earning assets | $182,307,500 | 3,127 |
| Average equity | $20,346,500 | 3,114 |
| Average total loans | $99,668,000 | 3,197 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 1,469 |
| Cost of funding earning assets | 0.3792% | 1,690 |
| Net interest margin | 3.5764% | 1,532 |
| Noninterest income to average assets | 0.6324% | 2,013 |
| Noninterest expense to average assets | 2.5477% | 2,033 |
| Loan and lease loss provision to assets | 0.0790% | 1,549 |
| Net operating income to assets | 1.2794% | 1,663 |
| Return on assets (ROA) | 1.2905% | 1,678 |
| Pretax return on assets | 1.3362% | 2,248 |
| Return on Equity (ROE) | 12.6513% | 1,586 |
| Retained earnings to average equity (ytd only) | 9.7141% | 991 |
| Net charge-offs to loans | 0.0083% | 2,272 |
| Credit loss provision to net charge-offs | 1,812.5000% | 334 |
| Earnings coverage of net charge-offs (x) | 322.1250% | 383 |
| Efficiency ratio | 61.7452% | 2,905 |
| Assets per employee ($millions) | 3.8493% | 4,474 |
| Cash dividends to net income (ytd only)* | 23.2165% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 568 |
| Loan loss allowance to noncurrent loans | 230.8740% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 1,191 |
| Noncurrent loans to loans | 0.8877% | 1,146 |
| Net loans and leases to total assets | 50.5063% | 3,223 |
| Net loans and leases to deposits | 62.2457% | 2,858 |
| Net loans and leases to core deposits | 65.5058% | 2,863 |
| Total domestic deposits to total assets | 81.1403% | 4,090 |
| Equity capital to assets | 10.2014% | 2,471 |
| Core capital (leverage) ratio | 9.5989% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,577,200 | 3,179 |
| Average earning assets | $170,368,200 | 3,182 |
| Average equity | $18,725,400 | 3,325 |
| Average total loans | $96,254,800 | 3,244 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9894% | 1,559 |
| Cost of funding earning assets | 0.3934% | 1,753 |
| Net interest margin | 3.5960% | 1,606 |
| Noninterest income to average assets | 0.2500% | 3,898 |
| Noninterest expense to average assets | 2.5018% | 2,111 |
| Loan and lease loss provision to assets | 0.1274% | 914 |
| Net operating income to assets | 0.9226% | 3,172 |
| Return on assets (ROA) | 0.9359% | 3,215 |
| Pretax return on assets | 0.9815% | 3,517 |
| Return on Equity (ROE) | 9.1754% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.2923% | 2,701 |
| Net charge-offs to loans | 0.0112% | 1,913 |
| Credit loss provision to net charge-offs | 2,162.5000% | 310 |
| Earnings coverage of net charge-offs (x) | 186.1250% | 584 |
| Efficiency ratio | 66.6190% | 2,019 |
| Assets per employee ($millions) | 3.7775% | 4,552 |
| Cash dividends to net income (ytd only)* | 31.4218% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1254% | 518 |
| Loan loss allowance to noncurrent loans | 210.0815% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 1,069 |
| Noncurrent loans to loans | 1.0117% | 1,137 |
| Net loans and leases to total assets | 50.2989% | 3,375 |
| Net loans and leases to deposits | 62.1368% | 3,025 |
| Net loans and leases to core deposits | 65.6955% | 2,977 |
| Total domestic deposits to total assets | 80.9486% | 4,099 |
| Equity capital to assets | 9.9210% | 2,975 |
| Core capital (leverage) ratio | 9.2392% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,355,750 | 3,233 |
| Average earning assets | $168,776,500 | 3,225 |
| Average equity | $18,498,250 | 3,389 |
| Average total loans | $95,508,500 | 3,299 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 1,775 |
| Cost of funding earning assets | 0.4132% | 1,776 |
| Net interest margin | 3.5024% | 1,850 |
| Noninterest income to average assets | 0.2002% | 4,198 |
| Noninterest expense to average assets | 2.4624% | 2,265 |
| Loan and lease loss provision to assets | 0.1051% | 1,194 |
| Net operating income to assets | 0.8504% | 3,365 |
| Return on assets (ROA) | 0.8611% | 3,408 |
| Pretax return on assets | 0.9047% | 3,653 |
| Return on Equity (ROE) | 8.3612% | 3,293 |
| Retained earnings to average equity (ytd only) | 5.1036% | 3,146 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1745% | 1,863 |
| Assets per employee ($millions) | 3.8679% | 4,514 |
| Cash dividends to net income (ytd only)* | 38.9610% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1135% | 490 |
| Loan loss allowance to noncurrent loans | 388.4990% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 2,021 |
| Noncurrent loans to loans | 0.5440% | 2,040 |
| Net loans and leases to total assets | 50.7767% | 3,472 |
| Net loans and leases to deposits | 63.4190% | 3,062 |
| Net loans and leases to core deposits | 67.2414% | 3,015 |
| Total domestic deposits to total assets | 80.0655% | 4,227 |
| Equity capital to assets | 10.2794% | 2,595 |
| Core capital (leverage) ratio | 9.5627% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,850,000 | 3,258 |
| Average earning assets | $166,514,667 | 3,257 |
| Average equity | $18,418,333 | 3,389 |
| Average total loans | $94,990,000 | 3,323 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 2,267 |
| Cost of funding earning assets | 0.4409% | 1,792 |
| Net interest margin | 3.2950% | 2,410 |
| Noninterest income to average assets | 0.2307% | 4,000 |
| Noninterest expense to average assets | 2.4627% | 2,289 |
| Loan and lease loss provision to assets | 0.0814% | 1,588 |
| Net operating income to assets | 0.7246% | 3,652 |
| Return on assets (ROA) | 0.7418% | 3,667 |
| Pretax return on assets | 0.7802% | 3,851 |
| Return on Equity (ROE) | 7.3787% | 3,504 |
| Retained earnings to average equity (ytd only) | 2.8795% | 3,816 |
| Net charge-offs to loans | 0.0042% | 1,767 |
| Credit loss provision to net charge-offs | 3,600.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 243 |
| Efficiency ratio | 71.3406% | 1,559 |
| Assets per employee ($millions) | 3.7959% | 4,584 |
| Cash dividends to net income (ytd only)* | 60.9756% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 553 |
| Loan loss allowance to noncurrent loans | 355.3309% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 2,139 |
| Noncurrent loans to loans | 0.5731% | 2,135 |
| Net loans and leases to total assets | 52.1196% | 3,437 |
| Net loans and leases to deposits | 65.1762% | 3,008 |
| Net loans and leases to core deposits | 67.1910% | 3,138 |
| Total domestic deposits to total assets | 79.9672% | 4,208 |
| Equity capital to assets | 9.8253% | 2,871 |
| Core capital (leverage) ratio | 9.2291% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,877,000 | 3,268 |
| Average earning assets | $165,100,500 | 3,267 |
| Average equity | $17,781,000 | 3,444 |
| Average total loans | $95,335,000 | 3,333 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,374 |
| Cost of funding earning assets | 0.5955% | 2,344 |
| Net interest margin | 3.8792% | 1,280 |
| Noninterest income to average assets | 0.2469% | 4,012 |
| Noninterest expense to average assets | 2.5163% | 2,795 |
| Loan and lease loss provision to assets | 0.1875% | 2,077 |
| Net operating income to assets | 1.1210% | 1,834 |
| Return on assets (ROA) | 1.1222% | 1,952 |
| Pretax return on assets | 1.1609% | 2,472 |
| Return on Equity (ROE) | 10.4655% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.3842% | 1,637 |
| Net charge-offs to loans | 0.0517% | 2,053 |
| Credit loss provision to net charge-offs | 588.2353% | 1,115 |
| Earnings coverage of net charge-offs (x) | 42.2549% | 1,336 |
| Efficiency ratio | 62.1036% | 3,109 |
| Assets per employee ($millions) | 3.8966% | 4,443 |
| Cash dividends to net income (ytd only)* | 38.9972% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9822% | 614 |
| Loan loss allowance to noncurrent loans | 216.9143% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 1,696 |
| Noncurrent loans to loans | 0.9138% | 1,539 |
| Net loans and leases to total assets | 53.5247% | 3,532 |
| Net loans and leases to deposits | 67.6572% | 3,113 |
| Net loans and leases to core deposits | 72.2215% | 3,058 |
| Total domestic deposits to total assets | 79.1117% | 4,189 |
| Equity capital to assets | 10.2842% | 2,847 |
| Core capital (leverage) ratio | 9.4507% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,958,200 | 3,287 |
| Average earning assets | $149,127,000 | 3,275 |
| Average equity | $17,151,600 | 3,443 |
| Average total loans | $98,717,400 | 3,250 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,480 |
| Cost of funding earning assets | 0.6265% | 2,449 |
| Net interest margin | 3.9149% | 1,318 |
| Noninterest income to average assets | 0.2289% | 4,123 |
| Noninterest expense to average assets | 2.5639% | 2,649 |
| Loan and lease loss provision to assets | 0.1800% | 2,186 |
| Net operating income to assets | 1.0922% | 2,005 |
| Return on assets (ROA) | 1.0881% | 2,154 |
| Pretax return on assets | 1.1308% | 2,640 |
| Return on Equity (ROE) | 10.0325% | 2,009 |
| Retained earnings to average equity (ytd only) | 6.0951% | 2,064 |
| Net charge-offs to loans | 0.0107% | 2,724 |
| Credit loss provision to net charge-offs | 2,637.5000% | 385 |
| Earnings coverage of net charge-offs (x) | 192.5000% | 507 |
| Efficiency ratio | 63.0119% | 2,913 |
| Assets per employee ($millions) | 3.7725% | 4,498 |
| Cash dividends to net income (ytd only)* | 39.2465% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8459% | 660 |
| Loan loss allowance to noncurrent loans | 146.4032% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 1,255 |
| Noncurrent loans to loans | 1.2608% | 1,184 |
| Net loans and leases to total assets | 60.7074% | 3,137 |
| Net loans and leases to deposits | 80.5970% | 2,249 |
| Net loans and leases to core deposits | 84.9565% | 2,384 |
| Total domestic deposits to total assets | 75.3222% | 4,479 |
| Equity capital to assets | 10.8378% | 2,528 |
| Core capital (leverage) ratio | 9.4207% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,111,000 | 3,306 |
| Average earning assets | $145,561,000 | 3,300 |
| Average equity | $16,931,250 | 3,462 |
| Average total loans | $99,458,750 | 3,249 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,533 |
| Cost of funding earning assets | 0.6538% | 2,671 |
| Net interest margin | 3.9970% | 1,332 |
| Noninterest income to average assets | 0.2051% | 4,251 |
| Noninterest expense to average assets | 2.6091% | 2,634 |
| Loan and lease loss provision to assets | 0.1558% | 2,439 |
| Net operating income to assets | 1.1109% | 1,933 |
| Return on assets (ROA) | 1.1060% | 2,068 |
| Pretax return on assets | 1.1566% | 2,517 |
| Return on Equity (ROE) | 10.1946% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.6050% | 1,823 |
| Net charge-offs to loans | 0.0141% | 2,471 |
| Credit loss provision to net charge-offs | 1,714.2857% | 551 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 545 |
| Efficiency ratio | 63.3719% | 2,901 |
| Assets per employee ($millions) | 3.9604% | 4,350 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 734 |
| Loan loss allowance to noncurrent loans | 122.5313% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 1,425 |
| Noncurrent loans to loans | 1.4273% | 1,080 |
| Net loans and leases to total assets | 59.5103% | 3,373 |
| Net loans and leases to deposits | 78.5437% | 2,596 |
| Net loans and leases to core deposits | 84.4109% | 2,578 |
| Total domestic deposits to total assets | 75.7671% | 4,450 |
| Equity capital to assets | 10.3904% | 2,846 |
| Core capital (leverage) ratio | 9.6146% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,075,000 | 3,310 |
| Average earning assets | $143,459,000 | 3,301 |
| Average equity | $16,714,667 | 3,484 |
| Average total loans | $99,168,000 | 3,249 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 1,207 |
| Cost of funding earning assets | 0.7287% | 2,787 |
| Net interest margin | 4.1653% | 988 |
| Noninterest income to average assets | 0.2244% | 4,211 |
| Noninterest expense to average assets | 2.8119% | 2,398 |
| Loan and lease loss provision to assets | 0.1109% | 2,298 |
| Net operating income to assets | 1.1004% | 1,842 |
| Return on assets (ROA) | 1.1004% | 1,941 |
| Pretax return on assets | 1.1653% | 2,322 |
| Return on Equity (ROE) | 9.9084% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.2567% | 1,784 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7407% | 3,001 |
| Assets per employee ($millions) | 3.6908% | 4,291 |
| Cash dividends to net income (ytd only)* | 36.8550% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 822 |
| Loan loss allowance to noncurrent loans | 117.2103% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 1,390 |
| Noncurrent loans to loans | 1.4763% | 1,085 |
| Net loans and leases to total assets | 63.3869% | 3,136 |
| Net loans and leases to deposits | 82.7923% | 2,355 |
| Net loans and leases to core deposits | 86.6078% | 2,634 |
| Total domestic deposits to total assets | 76.5614% | 4,418 |
| Equity capital to assets | 11.0010% | 2,850 |
| Core capital (leverage) ratio | 9.8724% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,944,500 | 3,354 |
| Average earning assets | $137,229,000 | 3,353 |
| Average equity | $16,430,500 | 3,519 |
| Average total loans | $98,377,500 | 3,243 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 1,052 |
| Cost of funding earning assets | 0.7283% | 3,024 |
| Net interest margin | 4.4474% | 806 |
| Noninterest income to average assets | 0.3173% | 3,799 |
| Noninterest expense to average assets | 2.7693% | 2,692 |
| Loan and lease loss provision to assets | 0.3216% | 495 |
| Net operating income to assets | 1.2807% | 1,763 |
| Return on assets (ROA) | 1.2800% | 1,844 |
| Pretax return on assets | 1.3362% | 2,374 |
| Return on Equity (ROE) | 11.4065% | 1,729 |
| Retained earnings to average equity (ytd only) | 7.5068% | 1,166 |
| Net charge-offs to loans | 0.0043% | 3,526 |
| Credit loss provision to net charge-offs | 11,025.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 568.5000% | 173 |
| Efficiency ratio | 59.2983% | 3,795 |
| Assets per employee ($millions) | 3.5260% | 4,456 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 864 |
| Loan loss allowance to noncurrent loans | 184.0402% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 2,031 |
| Noncurrent loans to loans | 0.9037% | 1,700 |
| Net loans and leases to total assets | 67.4419% | 2,767 |
| Net loans and leases to deposits | 89.2978% | 1,662 |
| Net loans and leases to core deposits | 93.7562% | 2,087 |
| Total domestic deposits to total assets | 75.5247% | 4,652 |
| Equity capital to assets | 11.2156% | 2,802 |
| Core capital (leverage) ratio | 10.3630% | 3,111 |
| Tier 1 risk-based capital ratio | 14.0277% | 3,257 |
| Total risk-based capital ratio | 15.2818% | 3,163 |
| Memoranda: | ||
| Average total assets | $137,108,200 | 3,477 |
| Average earning assets | $126,725,600 | 3,475 |
| Average equity | $15,386,000 | 3,598 |
| Average total loans | $93,019,800 | 3,337 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1889% | 1,066 |
| Cost of funding earning assets | 0.7259% | 3,090 |
| Net interest margin | 4.4630% | 834 |
| Noninterest income to average assets | 0.3332% | 3,749 |
| Noninterest expense to average assets | 2.8264% | 2,485 |
| Loan and lease loss provision to assets | 0.3165% | 450 |
| Net operating income to assets | 1.2589% | 1,991 |
| Return on assets (ROA) | 1.2579% | 2,074 |
| Pretax return on assets | 1.3112% | 2,625 |
| Return on Equity (ROE) | 11.2082% | 1,926 |
| Retained earnings to average equity (ytd only) | 7.2555% | 1,733 |
| Net charge-offs to loans | 0.0044% | 3,249 |
| Credit loss provision to net charge-offs | 10,700.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 550.6525% | 181 |
| Efficiency ratio | 60.1239% | 3,624 |
| Assets per employee ($millions) | 3.5386% | 4,461 |
| Cash dividends to net income (ytd only)* | 35.2668% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 958 |
| Loan loss allowance to noncurrent loans | 217.7809% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 2,537 |
| Noncurrent loans to loans | 0.7438% | 2,102 |
| Net loans and leases to total assets | 65.6943% | 3,086 |
| Net loans and leases to deposits | 82.5865% | 2,608 |
| Net loans and leases to core deposits | 89.1746% | 2,620 |
| Total domestic deposits to total assets | 79.5460% | 4,080 |
| Equity capital to assets | 11.2384% | 2,885 |
| Core capital (leverage) ratio | 10.2564% | 3,357 |
| Tier 1 risk-based capital ratio | 14.1574% | 3,253 |
| Total risk-based capital ratio | 15.4100% | 3,154 |
| Memoranda: | ||
| Average total assets | $135,243,750 | 3,539 |
| Average earning assets | $124,905,250 | 3,532 |
| Average equity | $15,179,000 | 3,654 |
| Average total loans | $91,488,000 | 3,409 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 1,027 |
| Cost of funding earning assets | 0.6923% | 3,210 |
| Net interest margin | 4.4854% | 795 |
| Noninterest income to average assets | 0.2749% | 4,100 |
| Noninterest expense to average assets | 2.8390% | 2,447 |
| Loan and lease loss provision to assets | 0.3094% | 439 |
| Net operating income to assets | 1.2258% | 2,052 |
| Return on assets (ROA) | 1.2272% | 2,105 |
| Pretax return on assets | 1.2738% | 2,658 |
| Return on Equity (ROE) | 10.9398% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,846 |
| Net charge-offs to loans | 0.0066% | 2,913 |
| Credit loss provision to net charge-offs | 6,866.6667% | 46 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 223 |
| Efficiency ratio | 60.7204% | 3,624 |
| Assets per employee ($millions) | 3.4361% | 4,573 |
| Cash dividends to net income (ytd only)* | 36.7197% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,265 |
| Loan loss allowance to noncurrent loans | 223.1861% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 2,414 |
| Noncurrent loans to loans | 0.6738% | 2,282 |
| Net loans and leases to total assets | 67.4328% | 2,899 |
| Net loans and leases to deposits | 85.3361% | 2,333 |
| Net loans and leases to core deposits | 91.3798% | 2,474 |
| Total domestic deposits to total assets | 79.0202% | 4,219 |
| Equity capital to assets | 11.2447% | 2,816 |
| Core capital (leverage) ratio | 10.4893% | 3,108 |
| Tier 1 risk-based capital ratio | 14.0654% | 3,286 |
| Total risk-based capital ratio | 15.3173% | 3,204 |
| Memoranda: | ||
| Average total assets | $133,144,330 | 3,581 |
| Average earning assets | $123,066,000 | 3,581 |
| Average equity | $14,936,330 | 3,685 |
| Average total loans | $90,478,670 | 3,449 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 841 |
| Cost of funding earning assets | 0.6617% | 3,252 |
| Net interest margin | 4.5757% | 642 |
| Noninterest income to average assets | 0.2504% | 4,221 |
| Noninterest expense to average assets | 2.8459% | 2,428 |
| Loan and lease loss provision to assets | 0.3267% | 377 |
| Net operating income to assets | 1.2734% | 1,801 |
| Return on assets (ROA) | 1.2764% | 1,832 |
| Pretax return on assets | 1.3039% | 2,438 |
| Return on Equity (ROE) | 11.3920% | 1,784 |
| Retained earnings to average equity (ytd only) | 7.3039% | 1,928 |
| Net charge-offs to loans | 0.0226% | 1,995 |
| Credit loss provision to net charge-offs | 2,140.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 106.6000% | 643 |
| Efficiency ratio | 60.1365% | 3,786 |
| Assets per employee ($millions) | 3.3356% | 4,710 |
| Cash dividends to net income (ytd only)* | 35.8852% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,362 |
| Loan loss allowance to noncurrent loans | 240.4022% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 2,942 |
| Noncurrent loans to loans | 0.6205% | 2,468 |
| Net loans and leases to total assets | 65.0842% | 3,164 |
| Net loans and leases to deposits | 81.9837% | 2,610 |
| Net loans and leases to core deposits | 85.0919% | 2,946 |
| Total domestic deposits to total assets | 79.3868% | 4,280 |
| Equity capital to assets | 11.2251% | 2,628 |
| Core capital (leverage) ratio | 10.4609% | 3,089 |
| Tier 1 risk-based capital ratio | 14.7980% | 2,966 |
| Total risk-based capital ratio | 16.0498% | 2,896 |
| Memoranda: | ||
| Average total assets | $130,995,500 | 3,645 |
| Average earning assets | $120,900,000 | 3,646 |
| Average equity | $14,677,000 | 3,727 |
| Average total loans | $88,670,000 | 3,521 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 932 |
| Cost of funding earning assets | 0.5029% | 3,329 |
| Net interest margin | 4.5571% | 679 |
| Noninterest income to average assets | 0.2486% | 4,433 |
| Noninterest expense to average assets | 2.7735% | 2,775 |
| Loan and lease loss provision to assets | 0.3959% | 347 |
| Net operating income to assets | 1.2098% | 2,121 |
| Return on assets (ROA) | 1.1947% | 2,195 |
| Pretax return on assets | 1.2533% | 2,685 |
| Return on Equity (ROE) | 10.9092% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.2945% | 1,542 |
| Net charge-offs to loans | 0.1103% | 1,645 |
| Credit loss provision to net charge-offs | 543.4783% | 643 |
| Earnings coverage of net charge-offs (x) | 22.8587% | 1,882 |
| Efficiency ratio | 58.7941% | 4,039 |
| Assets per employee ($millions) | 3.2142% | 4,819 |
| Cash dividends to net income (ytd only)* | 33.1345% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,799 |
| Loan loss allowance to noncurrent loans | 420.8333% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,703 |
| Noncurrent loans to loans | 0.3229% | 3,396 |
| Net loans and leases to total assets | 68.4274% | 2,818 |
| Net loans and leases to deposits | 87.3565% | 2,131 |
| Net loans and leases to core deposits | 93.3997% | 2,279 |
| Total domestic deposits to total assets | 78.3311% | 4,438 |
| Equity capital to assets | 11.1825% | 2,531 |
| Core capital (leverage) ratio | 10.4746% | 3,057 |
| Tier 1 risk-based capital ratio | 14.4385% | 3,091 |
| Total risk-based capital ratio | 15.6891% | 3,005 |
| Memoranda: | ||
| Average total assets | $126,304,400 | 3,694 |
| Average earning assets | $116,125,800 | 3,717 |
| Average equity | $13,832,400 | 3,772 |
| Average total loans | $83,413,000 | 3,601 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 988 |
| Cost of funding earning assets | 0.4601% | 3,454 |
| Net interest margin | 4.5108% | 724 |
| Noninterest income to average assets | 0.2131% | 4,693 |
| Noninterest expense to average assets | 2.7262% | 2,894 |
| Loan and lease loss provision to assets | 0.3266% | 430 |
| Net operating income to assets | 1.2396% | 2,087 |
| Return on assets (ROA) | 1.2194% | 2,157 |
| Pretax return on assets | 1.2873% | 2,672 |
| Return on Equity (ROE) | 11.1950% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.7878% | 1,753 |
| Net charge-offs to loans | 0.0943% | 1,550 |
| Credit loss provision to net charge-offs | 531.0345% | 663 |
| Earnings coverage of net charge-offs (x) | 26.5867% | 1,736 |
| Efficiency ratio | 58.7406% | 4,002 |
| Assets per employee ($millions) | 3.2113% | 4,879 |
| Cash dividends to net income (ytd only)* | 30.4350% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,366 |
| Loan loss allowance to noncurrent loans | 396.2406% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 3,909 |
| Noncurrent loans to loans | 0.3155% | 3,536 |
| Net loans and leases to total assets | 64.8177% | 3,327 |
| Net loans and leases to deposits | 79.9000% | 3,057 |
| Net loans and leases to core deposits | 82.4877% | 3,290 |
| Total domestic deposits to total assets | 81.1235% | 3,837 |
| Equity capital to assets | 10.8524% | 2,796 |
| Core capital (leverage) ratio | 10.2287% | 3,367 |
| Tier 1 risk-based capital ratio | 14.7012% | 3,016 |
| Total risk-based capital ratio | 15.8876% | 2,973 |
| Memoranda: | ||
| Average total assets | $125,738,750 | 3,735 |
| Average earning assets | $115,631,500 | 3,758 |
| Average equity | $13,696,250 | 3,820 |
| Average total loans | $81,969,500 | 3,654 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,410 |
| Cost of funding earning assets | 0.4303% | 3,496 |
| Net interest margin | 4.3078% | 1,016 |
| Noninterest income to average assets | 0.1746% | 4,949 |
| Noninterest expense to average assets | 2.7044% | 3,003 |
| Loan and lease loss provision to assets | 0.2852% | 495 |
| Net operating income to assets | 1.0619% | 2,745 |
| Return on assets (ROA) | 1.0366% | 2,867 |
| Pretax return on assets | 1.1199% | 3,235 |
| Return on Equity (ROE) | 9.5042% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.5663% | 2,273 |
| Net charge-offs to loans | 0.1281% | 1,155 |
| Credit loss provision to net charge-offs | 342.3077% | 920 |
| Earnings coverage of net charge-offs (x) | 17.1923% | 1,963 |
| Efficiency ratio | 61.3865% | 3,716 |
| Assets per employee ($millions) | 3.2926% | 4,825 |
| Cash dividends to net income (ytd only)* | 30.9119% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,241 |
| Loan loss allowance to noncurrent loans | 293.3754% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 3,773 |
| Noncurrent loans to loans | 0.3758% | 3,348 |
| Net loans and leases to total assets | 64.9607% | 3,284 |
| Net loans and leases to deposits | 80.6540% | 2,881 |
| Net loans and leases to core deposits | 82.8250% | 3,175 |
| Total domestic deposits to total assets | 80.5425% | 4,119 |
| Equity capital to assets | 10.6967% | 2,934 |
| Core capital (leverage) ratio | 10.0860% | 3,492 |
| Tier 1 risk-based capital ratio | 14.3962% | 3,160 |
| Total risk-based capital ratio | 15.4540% | 3,178 |
| Memoranda: | ||
| Average total assets | $124,834,670 | 3,776 |
| Average earning assets | $114,814,330 | 3,793 |
| Average equity | $13,615,000 | 3,854 |
| Average total loans | $81,188,330 | 3,693 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,464 |
| Cost of funding earning assets | 0.3899% | 3,666 |
| Net interest margin | 4.2500% | 1,049 |
| Noninterest income to average assets | 0.2048% | 4,803 |
| Noninterest expense to average assets | 2.6624% | 3,155 |
| Loan and lease loss provision to assets | 0.2958% | 441 |
| Net operating income to assets | 1.0598% | 2,610 |
| Return on assets (ROA) | 1.0598% | 2,620 |
| Pretax return on assets | 1.1443% | 2,989 |
| Return on Equity (ROE) | 9.6204% | 2,622 |
| Retained earnings to average equity (ytd only) | 6.6694% | 2,425 |
| Net charge-offs to loans | 0.0653% | 1,455 |
| Credit loss provision to net charge-offs | 700.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 34.0769% | 1,164 |
| Efficiency ratio | 60.8558% | 3,955 |
| Assets per employee ($millions) | 3.2841% | 4,916 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,367 |
| Loan loss allowance to noncurrent loans | 131.5946% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 2,323 |
| Noncurrent loans to loans | 0.8373% | 2,143 |
| Net loans and leases to total assets | 63.5057% | 3,369 |
| Net loans and leases to deposits | 77.3100% | 3,082 |
| Net loans and leases to core deposits | 78.4642% | 3,456 |
| Total domestic deposits to total assets | 82.1443% | 3,913 |
| Equity capital to assets | 10.8594% | 2,716 |
| Core capital (leverage) ratio | 10.0944% | 3,429 |
| Tier 1 risk-based capital ratio | 14.8329% | 2,963 |
| Total risk-based capital ratio | 15.8905% | 2,963 |
| Memoranda: | ||
| Average total assets | $123,045,500 | 3,850 |
| Average earning assets | $112,848,000 | 3,871 |
| Average equity | $13,554,500 | 3,896 |
| Average total loans | $79,608,500 | 3,750 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 1,993 |
| Cost of funding earning assets | 0.3517% | 3,702 |
| Net interest margin | 4.0617% | 1,560 |
| Noninterest income to average assets | 0.5992% | 2,453 |
| Noninterest expense to average assets | 2.6093% | 3,414 |
| Loan and lease loss provision to assets | 0.2865% | 613 |
| Net operating income to assets | 1.3830% | 1,052 |
| Return on assets (ROA) | 1.3873% | 1,066 |
| Pretax return on assets | 1.4443% | 1,838 |
| Return on Equity (ROE) | 12.4673% | 1,087 |
| Retained earnings to average equity (ytd only) | 8.4063% | 644 |
| Net charge-offs to loans | 0.0476% | 2,831 |
| Credit loss provision to net charge-offs | 960.6061% | 373 |
| Earnings coverage of net charge-offs (x) | 57.8788% | 978 |
| Efficiency ratio | 56.7646% | 4,685 |
| Assets per employee ($millions) | 3.1920% | 5,038 |
| Cash dividends to net income (ytd only)* | 32.5733% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,836 |
| Loan loss allowance to noncurrent loans | 70.9620% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 1,418 |
| Noncurrent loans to loans | 1.4327% | 1,198 |
| Net loans and leases to total assets | 64.5347% | 3,298 |
| Net loans and leases to deposits | 77.8436% | 3,130 |
| Net loans and leases to core deposits | 79.2689% | 3,477 |
| Total domestic deposits to total assets | 82.9030% | 3,598 |
| Equity capital to assets | 11.1768% | 2,454 |
| Core capital (leverage) ratio | 9.9919% | 3,466 |
| Tier 1 risk-based capital ratio | 14.7910% | 2,936 |
| Total risk-based capital ratio | 15.7544% | 3,008 |
| Memoranda: | ||
| Average total assets | $110,643,400 | 4,049 |
| Average earning assets | $101,779,400 | 4,064 |
| Average equity | $12,312,200 | 4,086 |
| Average total loans | $69,259,000 | 3,981 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 2,295 |
| Cost of funding earning assets | 0.3523% | 3,643 |
| Net interest margin | 3.9372% | 1,905 |
| Noninterest income to average assets | 0.5853% | 2,563 |
| Noninterest expense to average assets | 2.4769% | 3,807 |
| Loan and lease loss provision to assets | 0.2025% | 937 |
| Net operating income to assets | 1.4918% | 913 |
| Return on assets (ROA) | 1.4978% | 924 |
| Pretax return on assets | 1.5410% | 1,614 |
| Return on Equity (ROE) | 13.4763% | 939 |
| Retained earnings to average equity (ytd only) | 9.5879% | 685 |
| Net charge-offs to loans | 0.0479% | 2,480 |
| Credit loss provision to net charge-offs | 683.3333% | 488 |
| Earnings coverage of net charge-offs (x) | 58.6234% | 1,008 |
| Efficiency ratio | 55.5230% | 4,790 |
| Assets per employee ($millions) | 3.3965% | 4,865 |
| Cash dividends to net income (ytd only)* | 28.8544% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,687 |
| Loan loss allowance to noncurrent loans | 48.4938% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 1,296 |
| Noncurrent loans to loans | 1.7972% | 997 |
| Net loans and leases to total assets | 59.7358% | 3,898 |
| Net loans and leases to deposits | 72.0137% | 3,770 |
| Net loans and leases to core deposits | 73.2934% | 4,035 |
| Total domestic deposits to total assets | 82.9506% | 3,470 |
| Equity capital to assets | 10.7345% | 3,131 |
| Core capital (leverage) ratio | 10.3629% | 3,120 |
| Tier 1 risk-based capital ratio | 15.0696% | 2,887 |
| Total risk-based capital ratio | 15.8844% | 3,028 |
| Memoranda: | ||
| Average total assets | $107,980,250 | 4,140 |
| Average earning assets | $99,526,750 | 4,148 |
| Average equity | $12,001,000 | 4,180 |
| Average total loans | $66,803,250 | 4,063 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,067 |
| Cost of funding earning assets | 0.3616% | 3,470 |
| Net interest margin | 3.9567% | 1,750 |
| Noninterest income to average assets | 0.7171% | 1,917 |
| Noninterest expense to average assets | 2.4490% | 3,919 |
| Loan and lease loss provision to assets | 0.2253% | 773 |
| Net operating income to assets | 1.6577% | 618 |
| Return on assets (ROA) | 1.6673% | 623 |
| Pretax return on assets | 1.6966% | 1,066 |
| Return on Equity (ROE) | 14.7940% | 694 |
| Retained earnings to average equity (ytd only) | 11.3171% | 397 |
| Net charge-offs to loans | 0.0031% | 3,385 |
| Credit loss provision to net charge-offs | 11,500.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 976.0000% | 70 |
| Efficiency ratio | 53.1896% | 5,082 |
| Assets per employee ($millions) | 3.4625% | 4,781 |
| Cash dividends to net income (ytd only)* | 23.5018% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 4,154 |
| Loan loss allowance to noncurrent loans | 47.8130% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 1,056 |
| Noncurrent loans to loans | 2.0893% | 792 |
| Net loans and leases to total assets | 60.4865% | 3,798 |
| Net loans and leases to deposits | 75.2936% | 3,427 |
| Net loans and leases to core deposits | 76.9714% | 3,685 |
| Total domestic deposits to total assets | 80.3342% | 4,342 |
| Equity capital to assets | 11.4579% | 2,356 |
| Core capital (leverage) ratio | 10.7926% | 2,607 |
| Tier 1 risk-based capital ratio | 16.4714% | 2,337 |
| Total risk-based capital ratio | 17.4248% | 2,380 |
| Memoranda: | ||
| Average total assets | $102,083,670 | 4,270 |
| Average earning assets | $94,017,330 | 4,266 |
| Average equity | $11,504,670 | 4,273 |
| Average total loans | $63,827,670 | 4,151 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,156 |
| Cost of funding earning assets | 0.3735% | 3,270 |
| Net interest margin | 3.8594% | 1,925 |
| Noninterest income to average assets | 1.1187% | 793 |
| Noninterest expense to average assets | 2.4272% | 4,040 |
| Loan and lease loss provision to assets | 0.1937% | 861 |
| Net operating income to assets | 2.0204% | 294 |
| Return on assets (ROA) | 2.0398% | 292 |
| Pretax return on assets | 2.0714% | 439 |
| Return on Equity (ROE) | 18.2558% | 320 |
| Retained earnings to average equity (ytd only) | 14.7178% | 247 |
| Net charge-offs to loans | 0.0312% | 2,143 |
| Credit loss provision to net charge-offs | 980.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 479 |
| Efficiency ratio | 49.1540% | 5,416 |
| Assets per employee ($millions) | 3.8150% | 4,324 |
| Cash dividends to net income (ytd only)* | 19.3798% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,791 |
| Loan loss allowance to noncurrent loans | 42.6949% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.4698% | 1,113 |
| Noncurrent loans to loans | 2.0867% | 840 |
| Net loans and leases to total assets | 60.9100% | 3,682 |
| Net loans and leases to deposits | 76.4612% | 3,140 |
| Net loans and leases to core deposits | 78.1936% | 3,450 |
| Total domestic deposits to total assets | 79.6614% | 4,688 |
| Equity capital to assets | 11.2207% | 2,413 |
| Core capital (leverage) ratio | 10.5052% | 2,897 |
| Tier 1 risk-based capital ratio | 16.2912% | 2,441 |
| Total risk-based capital ratio | 17.1503% | 2,540 |
| Memoranda: | ||
| Average total assets | $101,187,500 | 4,326 |
| Average earning assets | $93,174,500 | 4,331 |
| Average equity | $11,306,000 | 4,334 |
| Average total loans | $64,009,000 | 4,183 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,084 |
| Cost of funding earning assets | 0.4336% | 2,669 |
| Net interest margin | 4.2534% | 1,007 |
| Noninterest income to average assets | 0.4347% | 3,652 |
| Noninterest expense to average assets | 2.8795% | 2,746 |
| Loan and lease loss provision to assets | 0.2278% | 955 |
| Net operating income to assets | 1.2128% | 1,461 |
| Return on assets (ROA) | 1.2157% | 1,539 |
| Pretax return on assets | 1.2711% | 2,392 |
| Return on Equity (ROE) | 10.0896% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.0896% | 395 |
| Net charge-offs to loans | -0.0023% | 4,715 |
| Credit loss provision to net charge-offs | -15,200.0000% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9048% | 4,271 |
| Assets per employee ($millions) | 3.6803% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 5,100 |
| Loan loss allowance to noncurrent loans | 38.5874% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5478% | 1,053 |
| Noncurrent loans to loans | 2.0784% | 853 |
| Net loans and leases to total assets | 64.6016% | 3,274 |
| Net loans and leases to deposits | 82.4565% | 2,611 |
| Net loans and leases to core deposits | 84.4269% | 2,987 |
| Total domestic deposits to total assets | 78.3464% | 4,925 |
| Equity capital to assets | 11.1242% | 2,511 |
| Core capital (leverage) ratio | 10.1884% | 3,239 |
| Tier 1 risk-based capital ratio | 15.4015% | 2,790 |
| Total risk-based capital ratio | 16.1884% | 2,932 |
| Memoranda: | ||
| Average total assets | $66,712,600 | 4,994 |
| Average earning assets | $61,809,200 | 4,983 |
| Average equity | $8,038,000 | 4,931 |
| Average total loans | $43,984,800 | 4,752 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,307 |
| Cost of funding earning assets | 0.4376% | 2,664 |
| Net interest margin | 4.1563% | 1,238 |
| Noninterest income to average assets | 0.3985% | 3,929 |
| Noninterest expense to average assets | 2.9149% | 2,593 |
| Loan and lease loss provision to assets | 0.1480% | 1,586 |
| Net operating income to assets | 1.1410% | 1,845 |
| Return on assets (ROA) | 1.1432% | 1,943 |
| Pretax return on assets | 1.2092% | 2,798 |
| Return on Equity (ROE) | 9.1889% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.1889% | 758 |
| Net charge-offs to loans | -0.0275% | 5,128 |
| Credit loss provision to net charge-offs | -812.5000% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8000% | 3,791 |
| Assets per employee ($millions) | 4.0179% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,905 |
| Loan loss allowance to noncurrent loans | 2,743.7500% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 4,023 |
| Noncurrent loans to loans | 0.0396% | 5,210 |
| Net loans and leases to total assets | 66.3038% | 3,074 |
| Net loans and leases to deposits | 94.1232% | 1,244 |
| Net loans and leases to core deposits | 96.4565% | 1,949 |
| Total domestic deposits to total assets | 70.4437% | 5,671 |
| Equity capital to assets | 12.6037% | 1,701 |
| Core capital (leverage) ratio | 11.3557% | 2,152 |
| Tier 1 risk-based capital ratio | 17.2831% | 2,134 |
| Total risk-based capital ratio | 18.4318% | 2,127 |
| Memoranda: | ||
| Average total assets | $58,548,500 | 5,215 |
| Average earning assets | $54,533,750 | 5,202 |
| Average equity | $7,284,000 | 5,095 |
| Average total loans | $38,802,750 | 4,961 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 1,176 |
| Cost of funding earning assets | 0.4284% | 2,749 |
| Net interest margin | 4.2175% | 1,081 |
| Noninterest income to average assets | 0.3726% | 4,085 |
| Noninterest expense to average assets | 2.9185% | 2,619 |
| Loan and lease loss provision to assets | 0.2001% | 1,072 |
| Net operating income to assets | 1.1210% | 1,881 |
| Return on assets (ROA) | 1.1177% | 2,013 |
| Pretax return on assets | 1.1902% | 2,814 |
| Return on Equity (ROE) | 9.0251% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.0251% | 844 |
| Net charge-offs to loans | -0.0418% | 5,293 |
| Credit loss provision to net charge-offs | -725.0000% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2400% | 3,977 |
| Assets per employee ($millions) | 3.9235% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,944 |
| Loan loss allowance to noncurrent loans | 2,706.2500% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 4,065 |
| Noncurrent loans to loans | 0.0407% | 5,302 |
| Net loans and leases to total assets | 66.1269% | 3,062 |
| Net loans and leases to deposits | 92.9872% | 1,393 |
| Net loans and leases to core deposits | 95.3241% | 2,037 |
| Total domestic deposits to total assets | 71.1140% | 5,723 |
| Equity capital to assets | 12.6334% | 1,697 |
| Core capital (leverage) ratio | 11.0664% | 2,367 |
| Tier 1 risk-based capital ratio | 17.1839% | 2,157 |
| Total risk-based capital ratio | 18.3364% | 2,146 |
| Memoranda: | ||
| Average total assets | $57,975,330 | 5,289 |
| Average earning assets | $54,154,670 | 5,268 |
| Average equity | $7,180,000 | 5,163 |
| Average total loans | $38,270,670 | 5,028 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 908 |
| Cost of funding earning assets | 0.4153% | 2,900 |
| Net interest margin | 4.3536% | 826 |
| Noninterest income to average assets | 0.3407% | 4,295 |
| Noninterest expense to average assets | 2.9060% | 2,686 |
| Loan and lease loss provision to assets | 0.3337% | 450 |
| Net operating income to assets | 1.0845% | 1,970 |
| Return on assets (ROA) | 1.0845% | 2,066 |
| Pretax return on assets | 1.1818% | 2,774 |
| Return on Equity (ROE) | 8.8479% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.8479% | 1,160 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4214% | 4,385 |
| Assets per employee ($millions) | 4.5495% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,223 |
| Loan loss allowance to noncurrent loans | 5,928.5714% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 4,206 |
| Noncurrent loans to loans | 0.0181% | 5,435 |
| Net loans and leases to total assets | 64.8699% | 3,128 |
| Net loans and leases to deposits | 87.8725% | 1,844 |
| Net loans and leases to core deposits | 89.9850% | 2,375 |
| Total domestic deposits to total assets | 73.8228% | 5,621 |
| Equity capital to assets | 12.1502% | 1,918 |
| Core capital (leverage) ratio | 10.8957% | 2,511 |
| Tier 1 risk-based capital ratio | 17.0782% | 2,262 |
| Total risk-based capital ratio | 18.2081% | 2,254 |
| Memoranda: | ||
| Average total assets | $57,537,000 | 5,346 |
| Average earning assets | $53,932,500 | 5,321 |
| Average equity | $7,052,500 | 5,221 |
| Average total loans | $37,731,000 | 5,089 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 1,711 |
| Cost of funding earning assets | 0.4004% | 3,159 |
| Net interest margin | 4.0618% | 1,518 |
| Noninterest income to average assets | 0.2752% | 4,918 |
| Noninterest expense to average assets | 2.7678% | 3,357 |
| Loan and lease loss provision to assets | 0.1331% | 1,792 |
| Net operating income to assets | 1.0483% | 2,133 |
| Return on assets (ROA) | 1.0467% | 2,225 |
| Pretax return on assets | 1.1672% | 2,783 |
| Return on Equity (ROE) | 8.8008% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.8008% | 704 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8255% | 4,112 |
| Assets per employee ($millions) | 4.3024% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 4,614 |
| Loan loss allowance to noncurrent loans | 5,242.8571% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 4,155 |
| Noncurrent loans to loans | 0.0191% | 5,441 |
| Net loans and leases to total assets | 64.9264% | 3,131 |
| Net loans and leases to deposits | 88.2522% | 1,846 |
| Net loans and leases to core deposits | 91.0993% | 2,303 |
| Total domestic deposits to total assets | 73.5692% | 5,684 |
| Equity capital to assets | 12.3706% | 1,688 |
| Core capital (leverage) ratio | 11.3647% | 2,074 |
| Tier 1 risk-based capital ratio | 18.3472% | 1,871 |
| Total risk-based capital ratio | 19.3952% | 1,886 |
| Memoranda: | ||
| Average total assets | $55,603,400 | 5,418 |
| Average earning assets | $51,947,400 | 5,392 |
| Average equity | $6,613,000 | 5,320 |
| Average total loans | $35,003,400 | 5,192 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 1,845 |
| Cost of funding earning assets | 0.3961% | 3,259 |
| Net interest margin | 4.0256% | 1,621 |
| Noninterest income to average assets | 0.2594% | 5,085 |
| Noninterest expense to average assets | 2.7352% | 3,447 |
| Loan and lease loss provision to assets | 0.1177% | 1,932 |
| Net operating income to assets | 1.0444% | 2,247 |
| Return on assets (ROA) | 1.0422% | 2,352 |
| Pretax return on assets | 1.1623% | 2,958 |
| Return on Equity (ROE) | 8.8526% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.8526% | 957 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8536% | 4,090 |
| Assets per employee ($millions) | 4.3761% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 4,419 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.6341% | 3,658 |
| Net loans and leases to deposits | 81.7015% | 2,679 |
| Net loans and leases to core deposits | 84.2516% | 3,016 |
| Total domestic deposits to total assets | 75.4381% | 5,582 |
| Equity capital to assets | 12.0023% | 2,108 |
| Core capital (leverage) ratio | 11.1936% | 2,311 |
| Tier 1 risk-based capital ratio | 18.2881% | 1,963 |
| Total risk-based capital ratio | 19.2857% | 1,986 |
| Memoranda: | ||
| Average total assets | $55,521,500 | 5,487 |
| Average earning assets | $51,833,250 | 5,465 |
| Average equity | $6,536,500 | 5,407 |
| Average total loans | $34,584,000 | 5,261 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 1,778 |
| Cost of funding earning assets | 0.3897% | 3,373 |
| Net interest margin | 4.0337% | 1,541 |
| Noninterest income to average assets | 0.2397% | 5,240 |
| Noninterest expense to average assets | 2.7059% | 3,575 |
| Loan and lease loss provision to assets | 0.1126% | 1,952 |
| Net operating income to assets | 1.0602% | 2,099 |
| Return on assets (ROA) | 1.0569% | 2,224 |
| Pretax return on assets | 1.1768% | 2,873 |
| Return on Equity (ROE) | 9.0382% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.0382% | 913 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3960% | 4,289 |
| Assets per employee ($millions) | 4.2927% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 5,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 4,501 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 62.5016% | 3,478 |
| Net loans and leases to deposits | 82.7890% | 2,464 |
| Net loans and leases to core deposits | 85.4207% | 2,831 |
| Total domestic deposits to total assets | 75.4950% | 5,654 |
| Equity capital to assets | 11.6764% | 2,268 |
| Core capital (leverage) ratio | 11.0517% | 2,378 |
| Tier 1 risk-based capital ratio | 17.8791% | 2,102 |
| Total risk-based capital ratio | 18.8318% | 2,146 |
| Memoranda: | ||
| Average total assets | $55,065,670 | 5,563 |
| Average earning assets | $51,317,670 | 5,530 |
| Average equity | $6,439,330 | 5,464 |
| Average total loans | $34,310,330 | 5,316 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 1,647 |
| Cost of funding earning assets | 0.3925% | 3,384 |
| Net interest margin | 4.0430% | 1,430 |
| Noninterest income to average assets | 0.2486% | 5,173 |
| Noninterest expense to average assets | 2.7205% | 3,517 |
| Loan and lease loss provision to assets | 0.1463% | 1,389 |
| Net operating income to assets | 1.0304% | 2,123 |
| Return on assets (ROA) | 1.0238% | 2,298 |
| Pretax return on assets | 1.1409% | 2,903 |
| Return on Equity (ROE) | 8.7486% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.7486% | 1,288 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4809% | 4,403 |
| Assets per employee ($millions) | 4.2672% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 5,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 4,611 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.1631% | 3,502 |
| Net loans and leases to deposits | 79.8724% | 2,572 |
| Net loans and leases to core deposits | 82.3879% | 2,922 |
| Total domestic deposits to total assets | 76.5760% | 5,679 |
| Equity capital to assets | 11.7535% | 2,237 |
| Core capital (leverage) ratio | 11.0808% | 2,332 |
| Tier 1 risk-based capital ratio | 18.1006% | 2,106 |
| Total risk-based capital ratio | 19.0543% | 2,155 |
| Memoranda: | ||
| Average total assets | $54,696,000 | 5,622 |
| Average earning assets | $50,952,000 | 5,592 |
| Average equity | $6,401,000 | 5,516 |
| Average total loans | $33,864,000 | 5,379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,190 |
| Cost of funding earning assets | 0.3908% | 3,782 |
| Net interest margin | 4.0182% | 1,844 |
| Noninterest income to average assets | 0.2625% | 5,254 |
| Noninterest expense to average assets | 2.9443% | 3,016 |
| Loan and lease loss provision to assets | 0.3605% | 521 |
| Net operating income to assets | 0.6141% | 4,306 |
| Return on assets (ROA) | 0.6230% | 4,369 |
| Pretax return on assets | 0.6935% | 4,649 |
| Return on Equity (ROE) | 5.3218% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.3218% | 2,392 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2849% | 3,484 |
| Assets per employee ($millions) | 4.1476% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 4,628 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 61.5609% | 3,561 |
| Net loans and leases to deposits | 81.2697% | 2,570 |
| Net loans and leases to core deposits | 83.9330% | 2,907 |
| Total domestic deposits to total assets | 75.7488% | 5,776 |
| Equity capital to assets | 11.6508% | 2,300 |
| Core capital (leverage) ratio | 10.7916% | 2,622 |
| Tier 1 risk-based capital ratio | 17.5928% | 2,280 |
| Total risk-based capital ratio | 18.5311% | 2,349 |
| Memoranda: | ||
| Average total assets | $51,047,000 | 5,765 |
| Average earning assets | $47,334,400 | 5,743 |
| Average equity | $5,975,400 | 5,626 |
| Average total loans | $28,089,600 | 5,649 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,414 |
| Cost of funding earning assets | 0.3943% | 3,852 |
| Net interest margin | 3.9575% | 2,007 |
| Noninterest income to average assets | 0.2755% | 5,233 |
| Noninterest expense to average assets | 2.9459% | 2,972 |
| Loan and lease loss provision to assets | 0.3523% | 499 |
| Net operating income to assets | 0.6098% | 4,403 |
| Return on assets (ROA) | 0.6173% | 4,459 |
| Pretax return on assets | 0.6544% | 4,862 |
| Return on Equity (ROE) | 5.2665% | 4,600 |
| Retained earnings to average equity (ytd only) | 5.2665% | 2,909 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0544% | 3,336 |
| Assets per employee ($millions) | 3.9183% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 5,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.5487% | 4,511 |
| Net loans and leases to deposits | 65.6973% | 4,364 |
| Net loans and leases to core deposits | 67.7955% | 4,524 |
| Total domestic deposits to total assets | 83.0304% | 4,139 |
| Equity capital to assets | 11.9459% | 2,105 |
| Core capital (leverage) ratio | 10.8597% | 2,623 |
| Tier 1 risk-based capital ratio | 19.8181% | 1,715 |
| Total risk-based capital ratio | 20.7095% | 1,761 |
| Memoranda: | ||
| Average total assets | $50,329,000 | 5,842 |
| Average earning assets | $46,661,750 | 5,824 |
| Average equity | $5,898,750 | 5,697 |
| Average total loans | $26,740,500 | 5,771 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,478 |
| Cost of funding earning assets | 0.3916% | 3,973 |
| Net interest margin | 3.9378% | 2,018 |
| Noninterest income to average assets | 0.2713% | 5,263 |
| Noninterest expense to average assets | 2.9047% | 3,145 |
| Loan and lease loss provision to assets | 0.3870% | 442 |
| Net operating income to assets | 0.6147% | 4,280 |
| Return on assets (ROA) | 0.6264% | 4,309 |
| Pretax return on assets | 0.6424% | 4,808 |
| Return on Equity (ROE) | 5.3798% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.3798% | 2,716 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3967% | 3,592 |
| Assets per employee ($millions) | 4.0199% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 6,135 |
| Loan loss allowance to noncurrent loans | 105.1282% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 4,909 |
| Noncurrent loans to loans | 0.6894% | 3,996 |
| Net loans and leases to total assets | 53.7324% | 4,572 |
| Net loans and leases to deposits | 62.4361% | 4,650 |
| Net loans and leases to core deposits | 64.3063% | 4,791 |
| Total domestic deposits to total assets | 86.0598% | 3,009 |
| Equity capital to assets | 11.5272% | 2,397 |
| Core capital (leverage) ratio | 10.4527% | 3,006 |
| Tier 1 risk-based capital ratio | 18.8980% | 1,947 |
| Total risk-based capital ratio | 19.6393% | 2,067 |
| Memoranda: | ||
| Average total assets | $50,126,000 | 5,902 |
| Average earning assets | $46,472,330 | 5,877 |
| Average equity | $5,836,670 | 5,751 |
| Average total loans | $26,311,330 | 5,832 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,486 |
| Cost of funding earning assets | 0.3871% | 4,118 |
| Net interest margin | 3.6602% | 3,021 |
| Noninterest income to average assets | 0.2854% | 5,085 |
| Noninterest expense to average assets | 2.8863% | 3,265 |
| Loan and lease loss provision to assets | 0.2609% | 807 |
| Net operating income to assets | 0.5220% | 4,582 |
| Return on assets (ROA) | 0.5381% | 4,583 |
| Pretax return on assets | 0.5463% | 5,025 |
| Return on Equity (ROE) | 4.5969% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.5969% | 3,362 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5011% | 3,045 |
| Assets per employee ($millions) | 3.9419% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 6,481 |
| Loan loss allowance to noncurrent loans | 70.8543% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 4,984 |
| Noncurrent loans to loans | 0.7441% | 4,006 |
| Net loans and leases to total assets | 51.9114% | 4,684 |
| Net loans and leases to deposits | 60.2496% | 4,737 |
| Net loans and leases to core deposits | 62.0875% | 4,868 |
| Total domestic deposits to total assets | 86.1606% | 3,273 |
| Equity capital to assets | 11.3806% | 2,349 |
| Core capital (leverage) ratio | 10.9034% | 2,485 |
| Tier 1 risk-based capital ratio | 19.1660% | 1,914 |
| Total risk-based capital ratio | 19.6886% | 2,104 |
| Memoranda: | ||
| Average total assets | $49,059,500 | 5,986 |
| Average earning assets | $45,462,000 | 5,957 |
| Average equity | $5,743,000 | 5,809 |
| Average total loans | $25,324,500 | 5,920 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 4,098 |
| Cost of funding earning assets | 0.3001% | 5,595 |
| Net interest margin | 3.6941% | 3,078 |
| Noninterest income to average assets | 0.2978% | 5,222 |
| Noninterest expense to average assets | 3.4019% | 1,877 |
| Loan and lease loss provision to assets | 0.1940% | 1,912 |
| Net operating income to assets | 0.0902% | 6,067 |
| Return on assets (ROA) | 0.0902% | 6,120 |
| Pretax return on assets | 0.0902% | 6,105 |
| Return on Equity (ROE) | 0.5955% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.5955% | 5,569 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7393% | 1,139 |
| Assets per employee ($millions) | 3.6057% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4560% | 6,604 |
| Loan loss allowance to noncurrent loans | 53.1707% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 4,939 |
| Noncurrent loans to loans | 0.8575% | 3,835 |
| Net loans and leases to total assets | 50.7680% | 4,993 |
| Net loans and leases to deposits | 59.5252% | 4,975 |
| Net loans and leases to core deposits | 61.5355% | 5,103 |
| Total domestic deposits to total assets | 85.2882% | 3,602 |
| Equity capital to assets | 12.0621% | 1,763 |
| Core capital (leverage) ratio | 14.6190% | 662 |
| Tier 1 risk-based capital ratio | 21.2440% | 1,376 |
| Total risk-based capital ratio | 21.7007% | 1,519 |
| Memoranda: | ||
| Average total assets | $22,164,400 | 6,673 |
| Average earning assets | $20,329,800 | 6,648 |
| Average equity | $3,358,600 | 6,463 |
| Average total loans | $11,110,400 | 6,549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,939 |
| Cost of funding earning assets | 0.2370% | 6,180 |
| Net interest margin | 4.0739% | 1,709 |
| Noninterest income to average assets | 0.3670% | 4,765 |
| Noninterest expense to average assets | 3.7530% | 1,159 |
| Loan and lease loss provision to assets | 0.1168% | 2,834 |
| Net operating income to assets | 0.2252% | 5,852 |
| Return on assets (ROA) | 0.2252% | 5,930 |
| Pretax return on assets | 0.2252% | 6,000 |
| Return on Equity (ROE) | 1.2928% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.2928% | 5,468 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5947% | 1,118 |
| Assets per employee ($millions) | 2.8108% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 6,022 |
| Loan loss allowance to noncurrent loans | 38.2775% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 3,162 |
| Noncurrent loans to loans | 2.3880% | 1,842 |
| Net loans and leases to total assets | 51.4201% | 4,946 |
| Net loans and leases to deposits | 64.9442% | 4,414 |
| Net loans and leases to core deposits | 69.9242% | 4,331 |
| Total domestic deposits to total assets | 79.1758% | 5,708 |
| Equity capital to assets | 16.3415% | 489 |
| Core capital (leverage) ratio | 17.2684% | 359 |
| Tier 1 risk-based capital ratio | 29.2027% | 556 |
| Total risk-based capital ratio | 30.0566% | 565 |
| Memoranda: | ||
| Average total assets | $15,987,000 | 6,829 |
| Average earning assets | $14,629,500 | 6,821 |
| Average equity | $2,784,750 | 6,650 |
| Average total loans | $7,911,500 | 6,728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,854 |
| Cost of funding earning assets | 0.2487% | 6,178 |
| Net interest margin | 4.0764% | 1,611 |
| Noninterest income to average assets | 0.1274% | 6,417 |
| Noninterest expense to average assets | 3.4790% | 1,655 |
| Loan and lease loss provision to assets | 0.1147% | 2,897 |
| Net operating income to assets | 0.2931% | 5,622 |
| Return on assets (ROA) | 0.2931% | 5,768 |
| Pretax return on assets | 0.2931% | 5,894 |
| Return on Equity (ROE) | 1.6462% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.6462% | 5,202 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2295% | 1,392 |
| Assets per employee ($millions) | 2.2837% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 5,994 |
| Loan loss allowance to noncurrent loans | 34.8837% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3449% | 3,084 |
| Noncurrent loans to loans | 2.7198% | 1,677 |
| Net loans and leases to total assets | 48.9804% | 5,224 |
| Net loans and leases to deposits | 62.0002% | 4,745 |
| Net loans and leases to core deposits | 67.0434% | 4,589 |
| Total domestic deposits to total assets | 79.0004% | 5,802 |
| Equity capital to assets | 17.6279% | 352 |
| Core capital (leverage) ratio | 17.5246% | 322 |
| Tier 1 risk-based capital ratio | 32.7096% | 416 |
| Total risk-based capital ratio | 33.6092% | 419 |
| Memoranda: | ||
| Average total assets | $15,694,330 | 6,883 |
| Average earning assets | $14,473,670 | 6,872 |
| Average equity | $2,794,330 | 6,698 |
| Average total loans | $7,631,330 | 6,786 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,336 |
| Cost of funding earning assets | 0.2207% | 6,471 |
| Net interest margin | 3.9717% | 1,886 |
| Noninterest income to average assets | 0.1029% | 6,563 |
| Noninterest expense to average assets | 3.2929% | 2,101 |
| Loan and lease loss provision to assets | 0.1286% | 2,633 |
| Net operating income to assets | 0.3859% | 5,180 |
| Return on assets (ROA) | 0.3859% | 5,325 |
| Pretax return on assets | 0.3859% | 5,611 |
| Return on Equity (ROE) | 2.1563% | 5,887 |
| Retained earnings to average equity (ytd only) | 2.1563% | 4,923 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1081% | 1,880 |
| Assets per employee ($millions) | 3.1676% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 6,210 |
| Loan loss allowance to noncurrent loans | 32.4201% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3828% | 3,195 |
| Noncurrent loans to loans | 2.8364% | 1,787 |
| Net loans and leases to total assets | 48.3016% | 5,195 |
| Net loans and leases to deposits | 61.7483% | 4,584 |
| Net loans and leases to core deposits | 66.8765% | 4,425 |
| Total domestic deposits to total assets | 78.2233% | 6,081 |
| Equity capital to assets | 19.1312% | 258 |
| Core capital (leverage) ratio | 17.3938% | 323 |
| Tier 1 risk-based capital ratio | 33.1745% | 410 |
| Total risk-based capital ratio | 34.0420% | 409 |
| Memoranda: | ||
| Average total assets | $15,548,500 | 6,959 |
| Average earning assets | $14,502,500 | 6,946 |
| Average equity | $2,782,500 | 6,768 |
| Average total loans | $7,494,500 | 6,861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 4,830 |
| Cost of funding earning assets | 0.3241% | 6,339 |
| Net interest margin | 3.8081% | 3,194 |
| Noninterest income to average assets | 0.1583% | 6,243 |
| Noninterest expense to average assets | 3.5799% | 1,658 |
| Loan and lease loss provision to assets | 0.3373% | 1,990 |
| Net operating income to assets | -0.1996% | 6,379 |
| Return on assets (ROA) | -0.1996% | 6,446 |
| Pretax return on assets | -0.1996% | 6,428 |
| Return on Equity (ROE) | -1.3129% | 6,409 |
| Retained earnings to average equity (ytd only) | -1.3129% | 6,066 |
| Net charge-offs to loans | 0.6543% | 1,796 |
| Credit loss provision to net charge-offs | 113.9535% | 2,552 |
| Earnings coverage of net charge-offs (x) | 0.4651% | 5,257 |
| Efficiency ratio | 92.5926% | 880 |
| Assets per employee ($millions) | 5.0863% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 6,247 |
| Loan loss allowance to noncurrent loans | 29.4643% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 3,183 |
| Noncurrent loans to loans | 3.0820% | 1,683 |
| Net loans and leases to total assets | 47.1984% | 5,490 |
| Net loans and leases to deposits | 58.4246% | 5,191 |
| Net loans and leases to core deposits | 60.3840% | 5,330 |
| Total domestic deposits to total assets | 80.7851% | 5,460 |
| Equity capital to assets | 16.6131% | 464 |
| Core capital (leverage) ratio | 14.3034% | 720 |
| Tier 1 risk-based capital ratio | 29.2283% | 544 |
| Total risk-based capital ratio | 30.1080% | 556 |
| Memoranda: | ||
| Average total assets | $14,525,600 | 7,034 |
| Average earning assets | $13,576,400 | 7,019 |
| Average equity | $2,208,800 | 6,926 |
| Average total loans | $6,571,800 | 6,966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 5,173 |
| Cost of funding earning assets | 0.3586% | 6,341 |
| Net interest margin | 3.7453% | 3,578 |
| Noninterest income to average assets | 0.1860% | 6,188 |
| Noninterest expense to average assets | 3.5791% | 1,596 |
| Loan and lease loss provision to assets | 0.4183% | 1,529 |
| Net operating income to assets | -0.3161% | 6,585 |
| Return on assets (ROA) | -0.3161% | 6,641 |
| Pretax return on assets | -0.3161% | 6,610 |
| Return on Equity (ROE) | -2.1309% | 6,580 |
| Retained earnings to average equity (ytd only) | -2.1309% | 6,412 |
| Net charge-offs to loans | 0.8961% | 1,220 |
| Credit loss provision to net charge-offs | 104.6512% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.2559% | 5,199 |
| Efficiency ratio | 93.4343% | 814 |
| Assets per employee ($millions) | 5.1393% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,390 |
| Loan loss allowance to noncurrent loans | 516.6667% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 6,546 |
| Noncurrent loans to loans | 0.1736% | 6,175 |
| Net loans and leases to total assets | 44.4221% | 5,931 |
| Net loans and leases to deposits | 53.2664% | 5,871 |
| Net loans and leases to core deposits | 54.9767% | 5,971 |
| Total domestic deposits to total assets | 83.3960% | 4,482 |
| Equity capital to assets | 16.4224% | 543 |
| Core capital (leverage) ratio | 14.8675% | 632 |
| Tier 1 risk-based capital ratio | 30.6558% | 499 |
| Total risk-based capital ratio | 31.5265% | 505 |
| Memoranda: | ||
| Average total assets | $14,342,250 | 7,131 |
| Average earning assets | $13,385,250 | 7,112 |
| Average equity | $2,127,250 | 7,027 |
| Average total loans | $6,397,750 | 7,061 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 5,199 |
| Cost of funding earning assets | 0.3838% | 6,359 |
| Net interest margin | 3.7461% | 3,610 |
| Noninterest income to average assets | 0.2288% | 5,933 |
| Noninterest expense to average assets | 3.5756% | 1,631 |
| Loan and lease loss provision to assets | 0.5721% | 1,061 |
| Net operating income to assets | -0.4291% | 6,702 |
| Return on assets (ROA) | -0.4291% | 6,746 |
| Pretax return on assets | -0.4291% | 6,715 |
| Return on Equity (ROE) | -3.0115% | 6,672 |
| Retained earnings to average equity (ytd only) | -3.0115% | 6,462 |
| Net charge-offs to loans | 1.3812% | 743 |
| Credit loss provision to net charge-offs | 93.0233% | 2,953 |
| Earnings coverage of net charge-offs (x) | 0.2326% | 4,955 |
| Efficiency ratio | 92.3077% | 912 |
| Assets per employee ($millions) | 3.7578% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 6,535 |
| Loan loss allowance to noncurrent loans | 438.4615% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,588 |
| Noncurrent loans to loans | 0.1974% | 6,189 |
| Net loans and leases to total assets | 43.4236% | 6,075 |
| Net loans and leases to deposits | 50.0690% | 6,178 |
| Net loans and leases to core deposits | 51.6540% | 6,262 |
| Total domestic deposits to total assets | 86.7274% | 2,944 |
| Equity capital to assets | 13.1196% | 1,464 |
| Core capital (leverage) ratio | 11.4037% | 1,969 |
| Tier 1 risk-based capital ratio | 23.9696% | 1,015 |
| Total risk-based capital ratio | 24.8177% | 1,052 |
| Memoranda: | ||
| Average total assets | $13,983,670 | 7,195 |
| Average earning assets | $13,027,000 | 7,179 |
| Average equity | $1,992,330 | 7,091 |
| Average total loans | $6,226,670 | 7,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 4,622 |
| Cost of funding earning assets | 0.4488% | 6,150 |
| Net interest margin | 3.8791% | 3,010 |
| Noninterest income to average assets | 0.1189% | 6,660 |
| Noninterest expense to average assets | 3.5958% | 1,569 |
| Loan and lease loss provision to assets | 0.1783% | 3,184 |
| Net operating income to assets | -0.0594% | 6,491 |
| Return on assets (ROA) | -0.0594% | 6,586 |
| Pretax return on assets | -0.0594% | 6,577 |
| Return on Equity (ROE) | -0.3995% | 6,578 |
| Retained earnings to average equity (ytd only) | -0.3995% | 6,065 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8000% | 892 |
| Assets per employee ($millions) | 3.5740% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 6,022 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 5,605 |
| Noncurrent loans to loans | 1.1632% | 4,381 |
| Net loans and leases to total assets | 42.8372% | 6,114 |
| Net loans and leases to deposits | 49.8738% | 6,151 |
| Net loans and leases to core deposits | 51.5532% | 6,238 |
| Total domestic deposits to total assets | 85.8912% | 3,597 |
| Equity capital to assets | 13.9550% | 1,039 |
| Core capital (leverage) ratio | 12.2088% | 1,478 |
| Tier 1 risk-based capital ratio | 25.2315% | 883 |
| Total risk-based capital ratio | 26.2500% | 892 |
| Memoranda: | ||
| Average total assets | $13,460,000 | 7,263 |
| Average earning assets | $12,477,000 | 7,246 |
| Average equity | $2,002,500 | 7,147 |
| Average total loans | $6,048,000 | 7,190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 5,166 |
| Cost of funding earning assets | 0.5604% | 6,288 |
| Net interest margin | 3.9135% | 3,277 |
| Noninterest income to average assets | 0.3157% | 5,284 |
| Noninterest expense to average assets | 4.0041% | 1,032 |
| Loan and lease loss provision to assets | 0.4984% | 2,114 |
| Net operating income to assets | -0.6480% | 6,575 |
| Return on assets (ROA) | -0.3157% | 6,407 |
| Pretax return on assets | -0.3157% | 6,362 |
| Return on Equity (ROE) | -2.2771% | 6,356 |
| Retained earnings to average equity (ytd only) | -2.2771% | 6,184 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5690% | 688 |
| Assets per employee ($millions) | 3.1560% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 6,142 |
| Loan loss allowance to noncurrent loans | 77.9221% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 5,435 |
| Noncurrent loans to loans | 1.3038% | 4,199 |
| Net loans and leases to total assets | 46.3086% | 5,992 |
| Net loans and leases to deposits | 55.3651% | 5,945 |
| Net loans and leases to core deposits | 57.5450% | 6,039 |
| Total domestic deposits to total assets | 83.6423% | 4,479 |
| Equity capital to assets | 15.9221% | 587 |
| Core capital (leverage) ratio | 12.9610% | 1,159 |
| Tier 1 risk-based capital ratio | 24.4956% | 925 |
| Total risk-based capital ratio | 25.3990% | 942 |
| Memoranda: | ||
| Average total assets | $12,037,800 | 7,318 |
| Average earning assets | $10,885,400 | 7,305 |
| Average equity | $1,668,800 | 7,259 |
| Average total loans | $5,462,200 | 7,257 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 5,996 |
| Cost of funding earning assets | 0.5854% | 6,349 |
| Net interest margin | 3.6992% | 4,336 |
| Noninterest income to average assets | 0.5494% | 3,515 |
| Noninterest expense to average assets | 3.6889% | 1,518 |
| Loan and lease loss provision to assets | 0.1682% | 4,366 |
| Net operating income to assets | 0.0561% | 6,062 |
| Return on assets (ROA) | 0.5046% | 4,713 |
| Pretax return on assets | 0.4709% | 5,256 |
| Return on Equity (ROE) | 3.7891% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.7891% | 4,039 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7514% | 1,123 |
| Assets per employee ($millions) | 3.2383% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2716% | 7,300 |
| Loan loss allowance to noncurrent loans | 27.2727% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 5,322 |
| Noncurrent loans to loans | 0.9958% | 4,900 |
| Net loans and leases to total assets | 42.5230% | 6,464 |
| Net loans and leases to deposits | 50.8212% | 6,457 |
| Net loans and leases to core deposits | 52.7687% | 6,519 |
| Total domestic deposits to total assets | 83.6717% | 4,390 |
| Equity capital to assets | 16.2742% | 586 |
| Core capital (leverage) ratio | 13.6523% | 996 |
| Tier 1 risk-based capital ratio | 26.6906% | 762 |
| Total risk-based capital ratio | 26.9249% | 845 |
| Memoranda: | ||
| Average total assets | $11,891,250 | 7,395 |
| Average earning assets | $10,704,750 | 7,383 |
| Average equity | $1,583,500 | 7,348 |
| Average total loans | $5,351,250 | 7,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 6,049 |
| Cost of funding earning assets | 0.6377% | 6,286 |
| Net interest margin | 3.6523% | 4,511 |
| Noninterest income to average assets | 0.6587% | 2,770 |
| Noninterest expense to average assets | 3.7270% | 1,481 |
| Loan and lease loss provision to assets | 0.0347% | 5,880 |
| Net operating income to assets | 0.1734% | 5,820 |
| Return on assets (ROA) | 0.1734% | 5,919 |
| Pretax return on assets | 0.1734% | 5,977 |
| Return on Equity (ROE) | 1.4198% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.4198% | 5,276 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3084% | 1,222 |
| Assets per employee ($millions) | 2.9828% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0394% | 7,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,287 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 42.5782% | 6,554 |
| Net loans and leases to deposits | 49.9361% | 6,601 |
| Net loans and leases to core deposits | 51.9799% | 6,665 |
| Total domestic deposits to total assets | 85.2653% | 3,747 |
| Equity capital to assets | 14.7012% | 891 |
| Core capital (leverage) ratio | 12.1201% | 1,545 |
| Tier 1 risk-based capital ratio | 23.4225% | 1,070 |
| Total risk-based capital ratio | 23.4225% | 1,198 |
| Memoranda: | ||
| Average total assets | $11,537,330 | 7,471 |
| Average earning assets | $10,349,670 | 7,460 |
| Average equity | $1,408,670 | 7,445 |
| Average total loans | $5,294,000 | 7,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 5,424 |
| Cost of funding earning assets | 0.6674% | 6,307 |
| Net interest margin | 3.8080% | 3,582 |
| Noninterest income to average assets | 0.9523% | 1,458 |
| Noninterest expense to average assets | 3.5625% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8113% | 2,970 |
| Return on assets (ROA) | 0.8113% | 3,036 |
| Pretax return on assets | 0.8113% | 3,860 |
| Return on Equity (ROE) | 7.4434% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.4434% | 1,964 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,927 |
| Assets per employee ($millions) | 2.4520% | 7,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 6,090 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.0440% | 6,701 |
| Net loans and leases to deposits | 46.6228% | 6,810 |
| Net loans and leases to core deposits | 48.4172% | 6,859 |
| Total domestic deposits to total assets | 88.0343% | 2,356 |
| Equity capital to assets | 11.8842% | 1,990 |
| Core capital (leverage) ratio | 9.2541% | 4,206 |
| Tier 1 risk-based capital ratio | 18.8286% | 1,859 |
| Total risk-based capital ratio | 18.8286% | 2,228 |
| Memoranda: | ||
| Average total assets | $11,340,500 | 7,531 |
| Average earning assets | $10,189,000 | 7,519 |
| Average equity | $1,236,000 | 7,518 |
| Average total loans | $5,400,000 | 7,465 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 5,560 |
| Cost of funding earning assets | 1.0131% | 5,622 |
| Net interest margin | 3.7519% | 4,145 |
| Noninterest income to average assets | 0.2367% | 6,107 |
| Noninterest expense to average assets | 3.5201% | 2,121 |
| Loan and lease loss provision to assets | 0.1029% | 6,112 |
| Net operating income to assets | 0.1544% | 5,424 |
| Return on assets (ROA) | 0.1544% | 5,584 |
| Pretax return on assets | 0.0823% | 5,734 |
| Return on Equity (ROE) | 1.4781% | 5,568 |
| Retained earnings to average equity (ytd only) | 0.8869% | 5,106 |
| Net charge-offs to loans | 0.7245% | 2,844 |
| Credit loss provision to net charge-offs | 25.0000% | 6,526 |
| Earnings coverage of net charge-offs (x) | 0.4500% | 5,660 |
| Efficiency ratio | 95.0000% | 1,012 |
| Assets per employee ($millions) | 2.0842% | 7,382 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,964 |
| Loan loss allowance to noncurrent loans | 80.5556% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 4,925 |
| Noncurrent loans to loans | 1.8724% | 3,723 |
| Net loans and leases to total assets | 54.5149% | 5,568 |
| Net loans and leases to deposits | 60.4297% | 6,007 |
| Net loans and leases to core deposits | 60.4297% | 6,362 |
| Total domestic deposits to total assets | 90.2121% | 982 |
| Equity capital to assets | 9.7399% | 4,064 |
| Core capital (leverage) ratio | 10.2055% | 2,856 |
| Tier 1 risk-based capital ratio | 14.9332% | 3,288 |
| Total risk-based capital ratio | 16.1825% | 3,243 |
| Memoranda: | ||
| Average total assets | $9,715,600 | 7,628 |
| Average earning assets | $8,982,200 | 7,611 |
| Average equity | $1,014,800 | 7,631 |
| Average total loans | $5,521,000 | 7,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 6,279 |
| Cost of funding earning assets | 1.0585% | 5,657 |
| Net interest margin | 3.5634% | 5,047 |
| Noninterest income to average assets | 0.2796% | 5,869 |
| Noninterest expense to average assets | 3.5361% | 1,946 |
| Loan and lease loss provision to assets | 0.1397% | 5,633 |
| Net operating income to assets | 0.0419% | 5,900 |
| Return on assets (ROA) | 0.0419% | 6,034 |
| Pretax return on assets | -0.0559% | 6,173 |
| Return on Equity (ROE) | 0.3942% | 6,031 |
| Retained earnings to average equity (ytd only) | -0.3942% | 5,885 |
| Net charge-offs to loans | 0.0976% | 5,550 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 1.5009% | 4,604 |
| Efficiency ratio | 97.6834% | 831 |
| Assets per employee ($millions) | 1.9440% | 7,537 |
| Cash dividends to net income (ytd only)* | 200.0000% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5056% | 1,319 |
| Loan loss allowance to noncurrent loans | 83.6735% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 4,184 |
| Noncurrent loans to loans | 2.9945% | 2,666 |
| Net loans and leases to total assets | 49.2387% | 6,403 |
| Net loans and leases to deposits | 55.0495% | 6,685 |
| Net loans and leases to core deposits | 55.0495% | 6,912 |
| Total domestic deposits to total assets | 89.4444% | 1,152 |
| Equity capital to assets | 10.4938% | 3,529 |
| Core capital (leverage) ratio | 9.9373% | 3,311 |
| Tier 1 risk-based capital ratio | 16.9054% | 2,374 |
| Total risk-based capital ratio | 18.1712% | 2,329 |
| Memoranda: | ||
| Average total assets | $9,539,250 | 7,730 |
| Average earning assets | $8,942,500 | 7,711 |
| Average equity | $1,014,750 | 7,731 |
| Average total loans | $5,459,250 | 7,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 5,724 |
| Cost of funding earning assets | 1.0810% | 5,779 |
| Net interest margin | 3.7383% | 4,194 |
| Noninterest income to average assets | 0.1899% | 6,547 |
| Noninterest expense to average assets | 3.5447% | 1,919 |
| Loan and lease loss provision to assets | 0.2110% | 4,769 |
| Net operating income to assets | 0.0844% | 5,911 |
| Return on assets (ROA) | 0.0844% | 6,014 |
| Pretax return on assets | -0.0633% | 6,210 |
| Return on Equity (ROE) | 0.7897% | 6,011 |
| Retained earnings to average equity (ytd only) | -0.3949% | 5,819 |
| Net charge-offs to loans | 0.1772% | 4,548 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,437 |
| Efficiency ratio | 96.0000% | 966 |
| Assets per employee ($millions) | 1.9346% | 7,607 |
| Cash dividends to net income (ytd only)* | 150.0000% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 1,715 |
| Loan loss allowance to noncurrent loans | 84.1379% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 4,209 |
| Noncurrent loans to loans | 2.6426% | 2,996 |
| Net loans and leases to total assets | 55.4637% | 5,785 |
| Net loans and leases to deposits | 62.1093% | 6,225 |
| Net loans and leases to core deposits | 64.3980% | 6,368 |
| Total domestic deposits to total assets | 89.3001% | 1,281 |
| Equity capital to assets | 10.5655% | 3,328 |
| Core capital (leverage) ratio | 10.5772% | 2,562 |
| Tier 1 risk-based capital ratio | 15.6993% | 2,805 |
| Total risk-based capital ratio | 16.9497% | 2,768 |
| Memoranda: | ||
| Average total assets | $9,479,000 | 7,797 |
| Average earning assets | $8,881,000 | 7,780 |
| Average equity | $1,013,000 | 7,796 |
| Average total loans | $5,642,670 | 7,705 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 4,683 |
| Cost of funding earning assets | 1.0960% | 5,929 |
| Net interest margin | 3.9728% | 2,986 |
| Noninterest income to average assets | 0.2558% | 6,102 |
| Noninterest expense to average assets | 3.7519% | 1,413 |
| Loan and lease loss provision to assets | 0.4263% | 2,827 |
| Net operating income to assets | -0.2132% | 6,556 |
| Return on assets (ROA) | -0.2132% | 6,625 |
| Pretax return on assets | -0.2132% | 6,566 |
| Return on Equity (ROE) | -1.9831% | 6,638 |
| Retained earnings to average equity (ytd only) | -4.3629% | 6,538 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6237% | 1,101 |
| Assets per employee ($millions) | 1.9376% | 7,694 |
| Cash dividends to net income (ytd only)* | -120.0000% | 7,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0971% | 1,965 |
| Loan loss allowance to noncurrent loans | 78.8820% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.6618% | 3,978 |
| Noncurrent loans to loans | 2.6585% | 3,016 |
| Net loans and leases to total assets | 61.1994% | 4,906 |
| Net loans and leases to deposits | 68.2907% | 5,557 |
| Net loans and leases to core deposits | 72.4639% | 5,661 |
| Total domestic deposits to total assets | 89.6160% | 1,174 |
| Equity capital to assets | 10.3220% | 3,444 |
| Core capital (leverage) ratio | 10.1892% | 2,940 |
| Tier 1 risk-based capital ratio | 14.5080% | 3,370 |
| Total risk-based capital ratio | 15.7614% | 3,339 |
| Memoranda: | ||
| Average total assets | $9,382,000 | 7,900 |
| Average earning assets | $8,759,500 | 7,883 |
| Average equity | $1,008,500 | 7,891 |
| Average total loans | $5,720,500 | 7,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 5,763 |
| Cost of funding earning assets | 1.3807% | 6,014 |
| Net interest margin | 3.7942% | 3,733 |
| Noninterest income to average assets | 0.2468% | 6,336 |
| Noninterest expense to average assets | 3.6298% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0720% | 5,291 |
| Return on assets (ROA) | -0.1234% | 5,712 |
| Pretax return on assets | -0.1028% | 5,606 |
| Return on Equity (ROE) | -1.1732% | 5,715 |
| Retained earnings to average equity (ytd only) | -1.1732% | 5,303 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5138% | 1,239 |
| Assets per employee ($millions) | 1.8152% | 7,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1727% | 1,696 |
| Loan loss allowance to noncurrent loans | 229.4118% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 6,052 |
| Noncurrent loans to loans | 0.9471% | 5,419 |
| Net loans and leases to total assets | 58.0432% | 5,657 |
| Net loans and leases to deposits | 65.4166% | 6,121 |
| Net loans and leases to core deposits | 71.6442% | 6,681 |
| Total domestic deposits to total assets | 88.7285% | 1,615 |
| Equity capital to assets | 11.2054% | 2,528 |
| Core capital (leverage) ratio | 10.5542% | 2,552 |
| Tier 1 risk-based capital ratio | 16.4654% | 2,330 |
| Total risk-based capital ratio | 17.7209% | 2,277 |
| Memoranda: | ||
| Average total assets | $9,725,000 | 7,971 |
| Average earning assets | $8,908,400 | 7,954 |
| Average equity | $1,022,800 | 7,975 |
| Average total loans | $4,983,000 | 7,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 6,152 |
| Cost of funding earning assets | 1.4360% | 6,103 |
| Net interest margin | 3.7012% | 4,067 |
| Noninterest income to average assets | 0.2427% | 6,498 |
| Noninterest expense to average assets | 3.3443% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2562% | 4,965 |
| Return on assets (ROA) | 0.2562% | 5,051 |
| Pretax return on assets | 0.2696% | 5,136 |
| Return on Equity (ROE) | 2.4730% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.4730% | 3,944 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5373% | 1,498 |
| Assets per employee ($millions) | 1.9666% | 7,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3168% | 1,276 |
| Loan loss allowance to noncurrent loans | 234.0000% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 6,192 |
| Noncurrent loans to loans | 0.9901% | 5,325 |
| Net loans and leases to total assets | 50.1678% | 6,768 |
| Net loans and leases to deposits | 56.1014% | 7,082 |
| Net loans and leases to core deposits | 64.2485% | 7,241 |
| Total domestic deposits to total assets | 89.4234% | 1,010 |
| Equity capital to assets | 10.5054% | 3,506 |
| Core capital (leverage) ratio | 10.2999% | 2,975 |
| Tier 1 risk-based capital ratio | 17.3261% | 2,175 |
| Total risk-based capital ratio | 18.5790% | 2,121 |
| Memoranda: | ||
| Average total assets | $9,887,250 | 8,054 |
| Average earning assets | $9,006,000 | 8,038 |
| Average equity | $1,024,250 | 8,062 |
| Average total loans | $4,882,500 | 7,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 6,290 |
| Cost of funding earning assets | 1.5413% | 5,970 |
| Net interest margin | 3.5963% | 4,378 |
| Noninterest income to average assets | 0.2625% | 6,396 |
| Noninterest expense to average assets | 3.2912% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2019% | 5,254 |
| Return on assets (ROA) | 0.2019% | 5,338 |
| Pretax return on assets | 0.2221% | 5,407 |
| Return on Equity (ROE) | 1.9582% | 5,317 |
| Retained earnings to average equity (ytd only) | 1.9582% | 4,255 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6782% | 1,522 |
| Assets per employee ($millions) | 1.9468% | 7,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0620% | 1,454 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 6,457 |
| Noncurrent loans to loans | 0.6873% | 5,873 |
| Net loans and leases to total assets | 57.0886% | 6,079 |
| Net loans and leases to deposits | 63.8589% | 6,575 |
| Net loans and leases to core deposits | 73.2148% | 6,830 |
| Total domestic deposits to total assets | 89.3980% | 1,078 |
| Equity capital to assets | 10.5198% | 3,380 |
| Core capital (leverage) ratio | 10.3806% | 2,922 |
| Tier 1 risk-based capital ratio | 16.0037% | 2,625 |
| Total risk-based capital ratio | 17.1402% | 2,607 |
| Memoranda: | ||
| Average total assets | $9,905,330 | 8,145 |
| Average earning assets | $8,953,670 | 8,129 |
| Average equity | $1,021,330 | 8,154 |
| Average total loans | $4,826,670 | 8,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 6,344 |
| Cost of funding earning assets | 1.7289% | 5,477 |
| Net interest margin | 3.4579% | 4,903 |
| Noninterest income to average assets | 0.4804% | 4,504 |
| Noninterest expense to average assets | 3.3230% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1601% | 5,787 |
| Return on assets (ROA) | 0.1601% | 5,955 |
| Pretax return on assets | 0.2002% | 5,935 |
| Return on Equity (ROE) | 1.5686% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.5686% | 4,975 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3182% | 1,413 |
| Assets per employee ($millions) | 2.0294% | 7,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3975% | 853 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 5,223 |
| Noncurrent loans to loans | 0.7377% | 5,584 |
| Net loans and leases to total assets | 46.9400% | 7,111 |
| Net loans and leases to deposits | 52.3694% | 7,376 |
| Net loans and leases to core deposits | 60.4212% | 7,436 |
| Total domestic deposits to total assets | 89.6324% | 959 |
| Equity capital to assets | 10.2099% | 3,759 |
| Core capital (leverage) ratio | 9.9415% | 3,468 |
| Tier 1 risk-based capital ratio | 17.3418% | 2,232 |
| Total risk-based capital ratio | 18.5973% | 2,176 |
| Memoranda: | ||
| Average total assets | $9,991,000 | 8,194 |
| Average earning assets | $8,791,500 | 8,180 |
| Average equity | $1,020,000 | 8,206 |
| Average total loans | $4,403,000 | 8,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5813% | 7,132 |
| Cost of funding earning assets | 1.9433% | 6,603 |
| Net interest margin | 3.6380% | 4,728 |
| Noninterest income to average assets | 0.3954% | 5,510 |
| Noninterest expense to average assets | 3.5480% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1977% | 5,854 |
| Return on assets (ROA) | 0.1873% | 5,709 |
| Pretax return on assets | 0.1873% | 5,761 |
| Return on Equity (ROE) | 1.8200% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.5167% | 4,318 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7222% | 1,237 |
| Assets per employee ($millions) | 1.9670% | 7,941 |
| Cash dividends to net income (ytd only)* | 16.6667% | 4,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9801% | 441 |
| Loan loss allowance to noncurrent loans | 615.7895% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 5,315 |
| Noncurrent loans to loans | 0.4840% | 5,893 |
| Net loans and leases to total assets | 38.7290% | 7,730 |
| Net loans and leases to deposits | 43.2841% | 7,866 |
| Net loans and leases to core deposits | 48.2274% | 7,923 |
| Total domestic deposits to total assets | 89.4764% | 857 |
| Equity capital to assets | 10.2084% | 3,798 |
| Core capital (leverage) ratio | 9.8888% | 3,558 |
| Tier 1 risk-based capital ratio | 19.6359% | 1,676 |
| Total risk-based capital ratio | 20.8947% | 1,635 |
| Memoranda: | ||
| Average total assets | $9,611,000 | 8,253 |
| Average earning assets | $8,851,000 | 8,232 |
| Average equity | $989,000 | 8,271 |
| Average total loans | $3,736,600 | 8,199 |