Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 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 | 2.9522% | 3,977 |
| Cost of funding earning assets | 0.0434% | 4,601 |
| Net interest margin | 2.9088% | 3,478 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.4999% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3552% | 4,315 |
| Return on assets (ROA) | 0.5921% | 3,811 |
| Pretax return on assets | 0.5921% | 4,002 |
| Return on Equity (ROE) | 20.2200% | 414 |
| Retained earnings to average equity (ytd only) | 20.2185% | 99 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.5576% | 400 |
| Assets per employee ($millions) | 1.8476% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9191% | 145 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 12.6000% | 4,638 |
| Net loans and leases to deposits | 12.4107% | 4,646 |
| Net loans and leases to core deposits | 12.4107% | 4,632 |
| Total domestic deposits to total assets | 101.5300% | 7 |
| Equity capital to assets | -1.5371% | 4,750 |
| Core capital (leverage) ratio | 7.3571% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5283% | 406 |
| Memoranda: | ||
| Average total assets | $10,133,500 | 4,745 |
| Average earning assets | $9,213,250 | 4,719 |
| Average equity | $296,750 | 4,748 |
| Average total loans | $1,342,750 | 4,676 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6099% | 4,268 |
| Cost of funding earning assets | 0.0424% | 4,637 |
| Net interest margin | 2.5675% | 3,962 |
| Noninterest income to average assets | 0.2109% | 3,939 |
| Noninterest expense to average assets | 2.8949% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3643% | 4,665 |
| Return on assets (ROA) | -0.2492% | 4,619 |
| Pretax return on assets | -0.2492% | 4,608 |
| Return on Equity (ROE) | -5.8691% | 4,689 |
| Retained earnings to average equity (ytd only) | -5.8691% | 4,565 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3939% | 97 |
| Assets per employee ($millions) | 2.3024% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1334% | 127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 9.3989% | 4,712 |
| Net loans and leases to deposits | 9.4498% | 4,721 |
| Net loans and leases to core deposits | 9.6599% | 4,712 |
| Total domestic deposits to total assets | 99.4614% | 7 |
| Equity capital to assets | 0.5299% | 4,758 |
| Core capital (leverage) ratio | 6.8620% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9050% | 543 |
| Memoranda: | ||
| Average total assets | $10,432,000 | 4,771 |
| Average earning assets | $9,425,667 | 4,760 |
| Average equity | $443,000 | 4,770 |
| Average total loans | $1,390,667 | 4,735 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4277% | 4,346 |
| Cost of funding earning assets | 0.0434% | 4,644 |
| Net interest margin | 2.3843% | 4,101 |
| Noninterest income to average assets | 0.2426% | 3,689 |
| Noninterest expense to average assets | 2.5475% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0809% | 4,587 |
| Return on assets (ROA) | -0.0809% | 4,569 |
| Pretax return on assets | -0.0809% | 4,562 |
| Return on Equity (ROE) | -1.2618% | 4,601 |
| Retained earnings to average equity (ytd only) | -1.2618% | 4,169 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2787% | 198 |
| Assets per employee ($millions) | 2.0886% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 14.0381% | 4,718 |
| Net loans and leases to deposits | 14.6249% | 4,726 |
| Net loans and leases to core deposits | 14.9974% | 4,720 |
| Total domestic deposits to total assets | 95.9877% | 13 |
| Equity capital to assets | 4.0027% | 4,778 |
| Core capital (leverage) ratio | 7.3242% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0502% | 431 |
| Memoranda: | ||
| Average total assets | $9,892,000 | 4,798 |
| Average earning assets | $9,227,000 | 4,785 |
| Average equity | $634,000 | 4,794 |
| Average total loans | $1,527,500 | 4,764 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8215% | 4,177 |
| Cost of funding earning assets | 0.0583% | 4,650 |
| Net interest margin | 2.7632% | 3,746 |
| Noninterest income to average assets | 0.2607% | 3,813 |
| Noninterest expense to average assets | 3.0091% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1738% | 4,719 |
| Return on assets (ROA) | -0.1738% | 4,725 |
| Pretax return on assets | -0.1738% | 4,724 |
| Return on Equity (ROE) | -1.8014% | 4,729 |
| Retained earnings to average equity (ytd only) | -1.8014% | 4,617 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1303% | 111 |
| Assets per employee ($millions) | 2.3353% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 16.2616% | 4,750 |
| Net loans and leases to deposits | 17.9445% | 4,759 |
| Net loans and leases to core deposits | 18.4883% | 4,751 |
| Total domestic deposits to total assets | 90.6220% | 658 |
| Equity capital to assets | 9.0997% | 3,514 |
| Core capital (leverage) ratio | 7.7819% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5924% | 328 |
| Memoranda: | ||
| Average total assets | $9,205,400 | 4,842 |
| Average earning assets | $8,577,000 | 4,830 |
| Average equity | $888,200 | 4,835 |
| Average total loans | $1,429,800 | 4,807 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 4,061 |
| Cost of funding earning assets | 0.0469% | 4,786 |
| Net interest margin | 2.9211% | 3,502 |
| Noninterest income to average assets | 0.2326% | 4,006 |
| Noninterest expense to average assets | 3.0092% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0581% | 4,762 |
| Return on assets (ROA) | -0.0581% | 4,771 |
| Pretax return on assets | -0.0581% | 4,767 |
| Return on Equity (ROE) | -0.5941% | 4,775 |
| Retained earnings to average equity (ytd only) | -0.5941% | 4,624 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9704% | 139 |
| Assets per employee ($millions) | 2.4085% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1780% | 474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 16.3172% | 4,822 |
| Net loans and leases to deposits | 18.0296% | 4,828 |
| Net loans and leases to core deposits | 18.5596% | 4,828 |
| Total domestic deposits to total assets | 90.5024% | 562 |
| Equity capital to assets | 9.1655% | 3,687 |
| Core capital (leverage) ratio | 7.8467% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1318% | 333 |
| Memoranda: | ||
| Average total assets | $9,171,500 | 4,917 |
| Average earning assets | $8,535,250 | 4,905 |
| Average equity | $897,750 | 4,909 |
| Average total loans | $1,398,750 | 4,878 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 3,629 |
| Cost of funding earning assets | 0.0477% | 4,835 |
| Net interest margin | 3.1746% | 2,837 |
| Noninterest income to average assets | 0.2440% | 3,937 |
| Noninterest expense to average assets | 3.1495% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0444% | 4,753 |
| Return on assets (ROA) | 0.0444% | 4,762 |
| Pretax return on assets | 0.0444% | 4,764 |
| Return on Equity (ROE) | 0.4431% | 4,757 |
| Retained earnings to average equity (ytd only) | 0.4431% | 4,443 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6111% | 182 |
| Assets per employee ($millions) | 2.6130% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 14.8010% | 4,866 |
| Net loans and leases to deposits | 16.2534% | 4,876 |
| Net loans and leases to core deposits | 16.6900% | 4,872 |
| Total domestic deposits to total assets | 91.0639% | 354 |
| Equity capital to assets | 8.6012% | 4,129 |
| Core capital (leverage) ratio | 7.5345% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0374% | 338 |
| Memoranda: | ||
| Average total assets | $9,017,333 | 4,954 |
| Average earning assets | $8,379,000 | 4,941 |
| Average equity | $902,667 | 4,945 |
| Average total loans | $1,329,333 | 4,918 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 1,853 |
| Cost of funding earning assets | 0.0519% | 4,862 |
| Net interest margin | 3.8374% | 1,077 |
| Noninterest income to average assets | 0.2892% | 3,676 |
| Noninterest expense to average assets | 3.5181% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3373% | 4,468 |
| Return on assets (ROA) | 0.3373% | 4,503 |
| Pretax return on assets | 0.3373% | 4,558 |
| Return on Equity (ROE) | 3.0956% | 4,455 |
| Retained earnings to average equity (ytd only) | 3.0956% | 3,751 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2500% | 341 |
| Assets per employee ($millions) | 3.0727% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5054% | 258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 14.7754% | 4,897 |
| Net loans and leases to deposits | 16.4057% | 4,899 |
| Net loans and leases to core deposits | 16.9130% | 4,900 |
| Total domestic deposits to total assets | 90.0629% | 795 |
| Equity capital to assets | 9.6116% | 3,090 |
| Core capital (leverage) ratio | 8.8121% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4562% | 264 |
| Memoranda: | ||
| Average total assets | $8,300,000 | 4,982 |
| Average earning assets | $7,713,500 | 4,968 |
| Average equity | $904,500 | 4,972 |
| Average total loans | $1,203,000 | 4,944 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 4,667 |
| Cost of funding earning assets | 0.0555% | 4,932 |
| Net interest margin | 2.8992% | 4,109 |
| Noninterest income to average assets | 0.3372% | 3,445 |
| Noninterest expense to average assets | 3.1348% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1873% | 4,815 |
| Return on assets (ROA) | -0.1873% | 4,831 |
| Pretax return on assets | -0.1873% | 4,818 |
| Return on Equity (ROE) | -1.7088% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.7088% | 4,687 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3559% | 133 |
| Assets per employee ($millions) | 1.8455% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4688% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 13.1943% | 4,928 |
| Net loans and leases to deposits | 15.1784% | 4,932 |
| Net loans and leases to core deposits | 15.7912% | 4,928 |
| Total domestic deposits to total assets | 86.9277% | 1,974 |
| Equity capital to assets | 12.5034% | 1,323 |
| Core capital (leverage) ratio | 9.2798% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8408% | 178 |
| Memoranda: | ||
| Average total assets | $8,006,800 | 5,006 |
| Average earning assets | $7,208,800 | 4,993 |
| Average equity | $877,800 | 4,997 |
| Average total loans | $1,333,000 | 4,970 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9983% | 4,733 |
| Cost of funding earning assets | 0.0363% | 4,997 |
| Net interest margin | 2.9620% | 4,066 |
| Noninterest income to average assets | 0.3267% | 3,532 |
| Noninterest expense to average assets | 2.9890% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0000% | 4,772 |
| Return on assets (ROA) | 0.0000% | 4,791 |
| Pretax return on assets | 0.0000% | 4,784 |
| Return on Equity (ROE) | 0.0000% | 4,791 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,481 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 2.0748% | 4,950 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 19.3999% | 4,931 |
| Net loans and leases to deposits | 21.9615% | 4,943 |
| Net loans and leases to core deposits | 22.7337% | 4,940 |
| Total domestic deposits to total assets | 88.3359% | 1,042 |
| Equity capital to assets | 11.1821% | 2,251 |
| Core capital (leverage) ratio | 9.1277% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6735% | 342 |
| Memoranda: | ||
| Average total assets | $8,163,000 | 5,038 |
| Average earning assets | $7,337,250 | 5,025 |
| Average equity | $866,500 | 5,028 |
| Average total loans | $1,414,000 | 5,001 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 4,832 |
| Cost of funding earning assets | 0.0535% | 5,022 |
| Net interest margin | 2.9673% | 4,195 |
| Noninterest income to average assets | 0.3449% | 3,410 |
| Noninterest expense to average assets | 2.9319% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1478% | 4,634 |
| Return on assets (ROA) | 0.1478% | 4,667 |
| Pretax return on assets | 0.1478% | 4,684 |
| Return on Equity (ROE) | 1.4184% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.4184% | 3,967 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2000% | 263 |
| Assets per employee ($millions) | 2.2885% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8759% | 152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 12.9124% | 5,000 |
| Net loans and leases to deposits | 14.4076% | 5,005 |
| Net loans and leases to core deposits | 14.8586% | 4,998 |
| Total domestic deposits to total assets | 89.6220% | 518 |
| Equity capital to assets | 10.0066% | 3,201 |
| Core capital (leverage) ratio | 9.0997% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8595% | 218 |
| Memoranda: | ||
| Average total assets | $8,117,667 | 5,071 |
| Average earning assets | $7,481,667 | 5,057 |
| Average equity | $846,000 | 5,061 |
| Average total loans | $1,337,000 | 5,036 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2029% | 4,864 |
| Cost of funding earning assets | 0.0562% | 5,075 |
| Net interest margin | 3.1467% | 3,993 |
| Noninterest income to average assets | 0.4211% | 2,963 |
| Noninterest expense to average assets | 3.0528% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3158% | 4,313 |
| Return on assets (ROA) | 0.3158% | 4,338 |
| Pretax return on assets | 0.3158% | 4,430 |
| Return on Equity (ROE) | 2.9593% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.9593% | 3,099 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 478 |
| Assets per employee ($millions) | 1.9578% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5868% | 218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 16.8305% | 5,023 |
| Net loans and leases to deposits | 18.6474% | 5,033 |
| Net loans and leases to core deposits | 19.3283% | 5,034 |
| Total domestic deposits to total assets | 90.2567% | 253 |
| Equity capital to assets | 9.7178% | 4,025 |
| Core capital (leverage) ratio | 10.1752% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2258% | 194 |
| Memoranda: | ||
| Average total assets | $7,599,500 | 5,122 |
| Average earning assets | $7,118,500 | 5,107 |
| Average equity | $811,000 | 5,112 |
| Average total loans | $1,397,000 | 5,082 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 5,027 |
| Cost of funding earning assets | 0.0812% | 5,122 |
| Net interest margin | 3.0333% | 4,477 |
| Noninterest income to average assets | 0.4037% | 3,271 |
| Noninterest expense to average assets | 3.3558% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1262% | 5,008 |
| Return on assets (ROA) | 0.0378% | 4,969 |
| Pretax return on assets | 0.0378% | 4,965 |
| Return on Equity (ROE) | 0.3708% | 4,966 |
| Retained earnings to average equity (ytd only) | 0.3708% | 4,586 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9063% | 134 |
| Assets per employee ($millions) | 1.8420% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4289% | 238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 19.0825% | 5,082 |
| Net loans and leases to deposits | 22.3139% | 5,090 |
| Net loans and leases to core deposits | 23.2320% | 5,086 |
| Total domestic deposits to total assets | 85.5185% | 2,277 |
| Equity capital to assets | 11.6857% | 2,362 |
| Core capital (leverage) ratio | 10.4631% | 2,992 |
| Tier 1 risk-based capital ratio | 32.4907% | 403 |
| Total risk-based capital ratio | 33.7339% | 392 |
| Memoranda: | ||
| Average total assets | $7,926,600 | 5,182 |
| Average earning assets | $7,384,800 | 5,167 |
| Average equity | $809,000 | 5,173 |
| Average total loans | $1,221,800 | 5,143 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0313% | 5,143 |
| Cost of funding earning assets | 0.0535% | 5,218 |
| Net interest margin | 2.9778% | 4,653 |
| Noninterest income to average assets | 0.4463% | 3,043 |
| Noninterest expense to average assets | 3.1736% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0331% | 5,053 |
| Return on assets (ROA) | 0.2479% | 4,924 |
| Pretax return on assets | 0.2479% | 4,955 |
| Return on Equity (ROE) | 2.5126% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.5126% | 4,087 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9691% | 160 |
| Assets per employee ($millions) | 1.9385% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4306% | 242 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,081 |
| Noncurrent loans to loans | 0.6944% | 2,219 |
| Net loans and leases to total assets | 18.1197% | 5,167 |
| Net loans and leases to deposits | 20.3889% | 5,172 |
| Net loans and leases to core deposits | 21.1533% | 5,170 |
| Total domestic deposits to total assets | 88.8703% | 661 |
| Equity capital to assets | 11.1168% | 2,994 |
| Core capital (leverage) ratio | 10.3025% | 3,309 |
| Tier 1 risk-based capital ratio | 32.5971% | 408 |
| Total risk-based capital ratio | 33.8650% | 403 |
| Memoranda: | ||
| Average total assets | $8,066,250 | 5,257 |
| Average earning assets | $7,477,250 | 5,245 |
| Average equity | $796,000 | 5,252 |
| Average total loans | $1,167,000 | 5,222 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0891% | 5,190 |
| Cost of funding earning assets | 0.0528% | 5,263 |
| Net interest margin | 3.0363% | 4,623 |
| Noninterest income to average assets | 0.4651% | 2,879 |
| Noninterest expense to average assets | 3.3536% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0734% | 5,124 |
| Return on assets (ROA) | 0.1224% | 5,055 |
| Pretax return on assets | 0.1224% | 5,058 |
| Return on Equity (ROE) | 1.2920% | 5,022 |
| Retained earnings to average equity (ytd only) | 1.2920% | 4,356 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2388% | 145 |
| Assets per employee ($millions) | 2.2203% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7376% | 171 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,667 |
| Noncurrent loans to loans | 0.1521% | 4,003 |
| Net loans and leases to total assets | 14.4015% | 5,235 |
| Net loans and leases to deposits | 15.8902% | 5,239 |
| Net loans and leases to core deposits | 15.8902% | 5,237 |
| Total domestic deposits to total assets | 90.6317% | 168 |
| Equity capital to assets | 9.3571% | 4,536 |
| Core capital (leverage) ratio | 9.6517% | 3,978 |
| Tier 1 risk-based capital ratio | 33.6469% | 374 |
| Total risk-based capital ratio | 34.8867% | 363 |
| Memoranda: | ||
| Average total assets | $8,170,330 | 5,304 |
| Average earning assets | $7,575,000 | 5,291 |
| Average equity | $774,000 | 5,300 |
| Average total loans | $1,076,000 | 5,270 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 5,218 |
| Cost of funding earning assets | 0.0556% | 5,325 |
| Net interest margin | 3.1135% | 4,567 |
| Noninterest income to average assets | 0.5630% | 2,215 |
| Noninterest expense to average assets | 2.9687% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4607% | 4,620 |
| Return on assets (ROA) | 0.8701% | 3,400 |
| Pretax return on assets | 0.8701% | 3,860 |
| Return on Equity (ROE) | 9.1214% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.1214% | 1,278 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5672% | 543 |
| Assets per employee ($millions) | 4.0375% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9130% | 65 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 10.9474% | 5,307 |
| Net loans and leases to deposits | 12.1229% | 5,312 |
| Net loans and leases to core deposits | 12.1229% | 5,306 |
| Total domestic deposits to total assets | 90.3034% | 355 |
| Equity capital to assets | 9.6842% | 4,103 |
| Core capital (leverage) ratio | 9.9563% | 3,651 |
| Tier 1 risk-based capital ratio | 39.5245% | 244 |
| Total risk-based capital ratio | 40.7628% | 240 |
| Memoranda: | ||
| Average total assets | $7,815,000 | 5,364 |
| Average earning assets | $7,194,500 | 5,350 |
| Average equity | $745,500 | 5,359 |
| Average total loans | $956,500 | 5,330 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9408% | 5,252 |
| Cost of funding earning assets | 0.1220% | 5,238 |
| Net interest margin | 2.8188% | 5,004 |
| Noninterest income to average assets | 0.5308% | 2,654 |
| Noninterest expense to average assets | 2.8516% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2469% | 5,065 |
| Return on assets (ROA) | 0.2469% | 5,060 |
| Pretax return on assets | 0.2469% | 5,087 |
| Return on Equity (ROE) | 2.9078% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.9078% | 3,944 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0319% | 276 |
| Assets per employee ($millions) | 3.7775% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6254% | 73 |
| Loan loss allowance to noncurrent loans | 327.2727% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,102 |
| Noncurrent loans to loans | 1.1078% | 1,464 |
| Net loans and leases to total assets | 12.6671% | 5,344 |
| Net loans and leases to deposits | 14.4912% | 5,345 |
| Net loans and leases to core deposits | 15.0495% | 5,340 |
| Total domestic deposits to total assets | 87.4123% | 1,581 |
| Equity capital to assets | 9.3845% | 4,235 |
| Core capital (leverage) ratio | 9.8798% | 3,713 |
| Tier 1 risk-based capital ratio | 37.4940% | 265 |
| Total risk-based capital ratio | 38.7422% | 264 |
| Memoranda: | ||
| Average total assets | $8,100,600 | 5,406 |
| Average earning assets | $7,379,000 | 5,394 |
| Average equity | $687,800 | 5,404 |
| Average total loans | $1,053,400 | 5,376 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8337% | 5,345 |
| Cost of funding earning assets | 0.1076% | 5,336 |
| Net interest margin | 2.7261% | 5,147 |
| Noninterest income to average assets | 0.5180% | 2,753 |
| Noninterest expense to average assets | 2.6222% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3561% | 5,019 |
| Return on assets (ROA) | 0.3561% | 5,016 |
| Pretax return on assets | 0.3561% | 5,081 |
| Return on Equity (ROE) | 4.2974% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.2974% | 3,613 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0435% | 402 |
| Assets per employee ($millions) | 3.9955% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9474% | 66 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 3,945 |
| Noncurrent loans to loans | 1.7544% | 882 |
| Net loans and leases to total assets | 10.9623% | 5,423 |
| Net loans and leases to deposits | 11.9558% | 5,430 |
| Net loans and leases to core deposits | 12.3694% | 5,423 |
| Total domestic deposits to total assets | 91.6907% | 110 |
| Equity capital to assets | 8.2843% | 5,043 |
| Core capital (leverage) ratio | 9.4846% | 4,194 |
| Tier 1 risk-based capital ratio | 37.4761% | 263 |
| Total risk-based capital ratio | 38.7189% | 261 |
| Memoranda: | ||
| Average total assets | $8,237,000 | 5,476 |
| Average earning assets | $7,434,000 | 5,465 |
| Average equity | $682,500 | 5,476 |
| Average total loans | $1,068,500 | 5,447 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8744% | 5,382 |
| Cost of funding earning assets | 0.1343% | 5,303 |
| Net interest margin | 2.7401% | 5,179 |
| Noninterest income to average assets | 0.6010% | 2,321 |
| Noninterest expense to average assets | 2.7888% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2645% | 5,170 |
| Return on assets (ROA) | 0.2645% | 5,162 |
| Pretax return on assets | 0.2645% | 5,191 |
| Return on Equity (ROE) | 3.1915% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.1915% | 3,972 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3386% | 325 |
| Assets per employee ($millions) | 4.3815% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6392% | 41 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 8.4446% | 5,496 |
| Net loans and leases to deposits | 9.1561% | 5,500 |
| Net loans and leases to core deposits | 9.4424% | 5,493 |
| Total domestic deposits to total assets | 92.2287% | 68 |
| Equity capital to assets | 7.7599% | 5,304 |
| Core capital (leverage) ratio | 9.2025% | 4,460 |
| Tier 1 risk-based capital ratio | 38.6774% | 253 |
| Total risk-based capital ratio | 39.9299% | 246 |
| Memoranda: | ||
| Average total assets | $8,319,000 | 5,540 |
| Average earning assets | $7,445,000 | 5,528 |
| Average equity | $689,330 | 5,540 |
| Average total loans | $1,120,670 | 5,511 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8511% | 5,432 |
| Cost of funding earning assets | 0.2193% | 4,899 |
| Net interest margin | 2.6318% | 5,301 |
| Noninterest income to average assets | 0.3458% | 3,828 |
| Noninterest expense to average assets | 2.7171% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0000% | 5,387 |
| Return on assets (ROA) | 0.0000% | 5,384 |
| Pretax return on assets | 0.0000% | 5,388 |
| Return on Equity (ROE) | 0.0000% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 4.1965% | 3,657 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9451% | 37 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 8.2450% | 5,560 |
| Net loans and leases to deposits | 8.9602% | 5,561 |
| Net loans and leases to core deposits | 9.5726% | 5,553 |
| Total domestic deposits to total assets | 92.0172% | 108 |
| Equity capital to assets | 7.9709% | 5,284 |
| Core capital (leverage) ratio | 9.0284% | 4,653 |
| Tier 1 risk-based capital ratio | 40.6183% | 221 |
| Total risk-based capital ratio | 41.8977% | 217 |
| Memoranda: | ||
| Average total assets | $8,097,000 | 5,604 |
| Average earning assets | $7,295,500 | 5,594 |
| Average equity | $694,000 | 5,603 |
| Average total loans | $1,293,000 | 5,572 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9527% | 5,385 |
| Cost of funding earning assets | 0.0939% | 5,516 |
| Net interest margin | 2.8588% | 5,095 |
| Noninterest income to average assets | 0.3987% | 3,643 |
| Noninterest expense to average assets | 3.0400% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0125% | 5,347 |
| Return on assets (ROA) | 0.0125% | 5,344 |
| Pretax return on assets | 0.0125% | 5,429 |
| Return on Equity (ROE) | 0.1372% | 5,342 |
| Retained earnings to average equity (ytd only) | 0.1372% | 4,959 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5918% | 176 |
| Assets per employee ($millions) | 3.9005% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 23.3560% | 5,540 |
| Net loans and leases to deposits | 25.7308% | 5,555 |
| Net loans and leases to core deposits | 27.6605% | 5,552 |
| Total domestic deposits to total assets | 90.7704% | 309 |
| Equity capital to assets | 9.2168% | 4,512 |
| Core capital (leverage) ratio | 9.4086% | 4,150 |
| Tier 1 risk-based capital ratio | 35.0829% | 316 |
| Total risk-based capital ratio | 36.3260% | 310 |
| Memoranda: | ||
| Average total assets | $8,026,200 | 5,669 |
| Average earning assets | $7,450,800 | 5,657 |
| Average equity | $728,600 | 5,667 |
| Average total loans | $2,013,400 | 5,639 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 5,481 |
| Cost of funding earning assets | 0.0883% | 5,597 |
| Net interest margin | 2.8079% | 5,203 |
| Noninterest income to average assets | 0.3795% | 3,814 |
| Noninterest expense to average assets | 2.8043% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1980% | 5,357 |
| Return on assets (ROA) | 0.1980% | 5,369 |
| Pretax return on assets | 0.1980% | 5,394 |
| Return on Equity (ROE) | 2.1888% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.1888% | 4,547 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4066% | 308 |
| Assets per employee ($millions) | 4.0905% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.8893% | 5,570 |
| Net loans and leases to deposits | 28.5522% | 5,606 |
| Net loans and leases to core deposits | 28.5522% | 5,617 |
| Total domestic deposits to total assets | 90.6735% | 267 |
| Equity capital to assets | 9.3143% | 4,637 |
| Core capital (leverage) ratio | 9.3448% | 4,355 |
| Tier 1 risk-based capital ratio | 31.7715% | 425 |
| Total risk-based capital ratio | 33.0045% | 422 |
| Memoranda: | ||
| Average total assets | $8,082,500 | 5,736 |
| Average earning assets | $7,549,750 | 5,723 |
| Average equity | $731,000 | 5,734 |
| Average total loans | $2,052,250 | 5,702 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9029% | 5,506 |
| Cost of funding earning assets | 0.0533% | 5,716 |
| Net interest margin | 2.8497% | 5,169 |
| Noninterest income to average assets | 0.3478% | 4,064 |
| Noninterest expense to average assets | 2.8573% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1491% | 5,450 |
| Return on assets (ROA) | 0.1491% | 5,452 |
| Pretax return on assets | 0.1491% | 5,469 |
| Return on Equity (ROE) | 1.6651% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.6651% | 4,592 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0413% | 281 |
| Assets per employee ($millions) | 4.0325% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 920 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 5,107 |
| Noncurrent loans to loans | 0.1485% | 4,515 |
| Net loans and leases to total assets | 24.6001% | 5,639 |
| Net loans and leases to deposits | 27.1558% | 5,666 |
| Net loans and leases to core deposits | 28.1139% | 5,664 |
| Total domestic deposits to total assets | 90.5890% | 326 |
| Equity capital to assets | 9.3986% | 4,513 |
| Core capital (leverage) ratio | 9.4867% | 4,142 |
| Tier 1 risk-based capital ratio | 25.1971% | 727 |
| Total risk-based capital ratio | 26.4455% | 717 |
| Memoranda: | ||
| Average total assets | $8,049,670 | 5,786 |
| Average earning assets | $7,509,670 | 5,773 |
| Average equity | $720,670 | 5,784 |
| Average total loans | $2,018,330 | 5,752 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7757% | 5,612 |
| Cost of funding earning assets | 0.0534% | 5,780 |
| Net interest margin | 2.7224% | 5,363 |
| Noninterest income to average assets | 0.3482% | 4,059 |
| Noninterest expense to average assets | 2.8351% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0497% | 5,569 |
| Return on assets (ROA) | 0.0497% | 5,575 |
| Pretax return on assets | 0.0497% | 5,571 |
| Return on Equity (ROE) | 0.5698% | 5,557 |
| Retained earnings to average equity (ytd only) | 0.5698% | 4,786 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2759% | 259 |
| Assets per employee ($millions) | 4.0755% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 1,160 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,164 |
| Noncurrent loans to loans | 0.1409% | 4,627 |
| Net loans and leases to total assets | 25.6778% | 5,673 |
| Net loans and leases to deposits | 28.1620% | 5,703 |
| Net loans and leases to core deposits | 28.1620% | 5,717 |
| Total domestic deposits to total assets | 91.1790% | 247 |
| Equity capital to assets | 8.8087% | 4,992 |
| Core capital (leverage) ratio | 9.0553% | 4,671 |
| Tier 1 risk-based capital ratio | 23.9096% | 879 |
| Total risk-based capital ratio | 25.0392% | 869 |
| Memoranda: | ||
| Average total assets | $8,042,000 | 5,854 |
| Average earning assets | $7,493,500 | 5,841 |
| Average equity | $702,000 | 5,850 |
| Average total loans | $2,017,500 | 5,820 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7676% | 5,660 |
| Cost of funding earning assets | 0.0503% | 5,836 |
| Net interest margin | 2.7173% | 5,400 |
| Noninterest income to average assets | 0.3985% | 3,897 |
| Noninterest expense to average assets | 2.8479% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0942% | 5,565 |
| Return on assets (ROA) | 0.0117% | 5,659 |
| Pretax return on assets | -0.0469% | 5,673 |
| Return on Equity (ROE) | 0.1315% | 5,654 |
| Retained earnings to average equity (ytd only) | 0.1315% | 5,262 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2000% | 279 |
| Assets per employee ($millions) | 3.9665% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 826 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 5,212 |
| Noncurrent loans to loans | 0.1574% | 4,611 |
| Net loans and leases to total assets | 23.5724% | 5,763 |
| Net loans and leases to deposits | 25.8038% | 5,787 |
| Net loans and leases to core deposits | 25.8038% | 5,796 |
| Total domestic deposits to total assets | 91.3526% | 196 |
| Equity capital to assets | 8.6474% | 5,148 |
| Core capital (leverage) ratio | 9.0887% | 4,632 |
| Tier 1 risk-based capital ratio | 25.7008% | 713 |
| Total risk-based capital ratio | 26.9166% | 704 |
| Memoranda: | ||
| Average total assets | $8,532,600 | 5,910 |
| Average earning assets | $7,949,200 | 5,896 |
| Average equity | $760,600 | 5,910 |
| Average total loans | $1,882,400 | 5,877 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7708% | 5,729 |
| Cost of funding earning assets | 0.0495% | 5,906 |
| Net interest margin | 2.7213% | 5,465 |
| Noninterest income to average assets | 0.3686% | 4,139 |
| Noninterest expense to average assets | 2.7795% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1229% | 5,598 |
| Return on assets (ROA) | 0.1229% | 5,650 |
| Pretax return on assets | 0.1229% | 5,651 |
| Return on Equity (ROE) | 1.3693% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.3693% | 4,960 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7672% | 324 |
| Assets per employee ($millions) | 4.3160% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,562 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 4,876 |
| Noncurrent loans to loans | 0.4410% | 3,701 |
| Net loans and leases to total assets | 31.1052% | 5,694 |
| Net loans and leases to deposits | 34.3306% | 5,750 |
| Net loans and leases to core deposits | 34.3306% | 5,775 |
| Total domestic deposits to total assets | 90.6047% | 295 |
| Equity capital to assets | 9.2678% | 4,898 |
| Core capital (leverage) ratio | 9.6453% | 4,000 |
| Tier 1 risk-based capital ratio | 22.4198% | 1,072 |
| Total risk-based capital ratio | 23.3899% | 1,103 |
| Memoranda: | ||
| Average total assets | $8,682,500 | 5,975 |
| Average earning assets | $8,084,000 | 5,961 |
| Average equity | $779,250 | 5,976 |
| Average total loans | $1,876,500 | 5,944 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8445% | 5,776 |
| Cost of funding earning assets | 0.0495% | 5,985 |
| Net interest margin | 2.7951% | 5,430 |
| Noninterest income to average assets | 0.3449% | 4,313 |
| Noninterest expense to average assets | 3.0577% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1150% | 5,819 |
| Return on assets (ROA) | -0.1150% | 5,838 |
| Pretax return on assets | -0.1150% | 5,837 |
| Return on Equity (ROE) | -1.2948% | 5,852 |
| Retained earnings to average equity (ytd only) | -1.2948% | 5,471 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9063% | 192 |
| Assets per employee ($millions) | 4.6575% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,932 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,461 |
| Noncurrent loans to loans | 0.1201% | 4,967 |
| Net loans and leases to total assets | 26.4090% | 5,863 |
| Net loans and leases to deposits | 28.9004% | 5,895 |
| Net loans and leases to core deposits | 28.9004% | 5,909 |
| Total domestic deposits to total assets | 91.3795% | 131 |
| Equity capital to assets | 8.4917% | 5,599 |
| Core capital (leverage) ratio | 9.4056% | 4,327 |
| Tier 1 risk-based capital ratio | 23.2218% | 990 |
| Total risk-based capital ratio | 24.2620% | 994 |
| Memoranda: | ||
| Average total assets | $8,699,330 | 6,053 |
| Average earning assets | $8,085,670 | 6,040 |
| Average equity | $772,330 | 6,053 |
| Average total loans | $1,595,000 | 6,022 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0191% | 5,668 |
| Cost of funding earning assets | 0.0512% | 6,051 |
| Net interest margin | 2.9679% | 5,185 |
| Noninterest income to average assets | 0.4290% | 3,625 |
| Noninterest expense to average assets | 3.1460% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0477% | 5,744 |
| Return on assets (ROA) | 0.0477% | 5,781 |
| Pretax return on assets | 0.0477% | 5,782 |
| Return on Equity (ROE) | 0.5242% | 5,766 |
| Retained earnings to average equity (ytd only) | 0.5242% | 4,985 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5075% | 329 |
| Assets per employee ($millions) | 4.4765% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7468% | 295 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,507 |
| Noncurrent loans to loans | 0.2227% | 4,630 |
| Net loans and leases to total assets | 14.6320% | 6,045 |
| Net loans and leases to deposits | 16.0500% | 6,051 |
| Net loans and leases to core deposits | 16.5362% | 6,050 |
| Total domestic deposits to total assets | 91.1650% | 226 |
| Equity capital to assets | 8.7457% | 5,385 |
| Core capital (leverage) ratio | 8.9784% | 4,883 |
| Tier 1 risk-based capital ratio | 32.7635% | 403 |
| Total risk-based capital ratio | 34.0252% | 397 |
| Memoranda: | ||
| Average total assets | $8,391,500 | 6,118 |
| Average earning assets | $7,817,000 | 6,106 |
| Average equity | $763,000 | 6,116 |
| Average total loans | $1,144,000 | 6,085 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0186% | 5,712 |
| Cost of funding earning assets | 0.1087% | 5,930 |
| Net interest margin | 2.9099% | 5,320 |
| Noninterest income to average assets | 0.5747% | 2,863 |
| Noninterest expense to average assets | 2.9747% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4056% | 5,040 |
| Return on assets (ROA) | 0.4056% | 5,119 |
| Pretax return on assets | 0.3155% | 5,493 |
| Return on Equity (ROE) | 5.0761% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.0761% | 2,362 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4110% | 669 |
| Assets per employee ($millions) | 3.9150% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9320% | 87 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,523 |
| Noncurrent loans to loans | 0.3188% | 4,316 |
| Net loans and leases to total assets | 11.5453% | 6,126 |
| Net loans and leases to deposits | 12.8373% | 6,131 |
| Net loans and leases to core deposits | 13.2902% | 6,120 |
| Total domestic deposits to total assets | 89.9361% | 658 |
| Equity capital to assets | 9.4891% | 4,564 |
| Core capital (leverage) ratio | 9.0476% | 4,821 |
| Tier 1 risk-based capital ratio | 30.6823% | 476 |
| Total risk-based capital ratio | 31.9338% | 469 |
| Memoranda: | ||
| Average total assets | $8,874,800 | 6,177 |
| Average earning assets | $8,282,000 | 6,164 |
| Average equity | $709,200 | 6,177 |
| Average total loans | $909,600 | 6,146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9091% | 5,883 |
| Cost of funding earning assets | 0.1094% | 6,020 |
| Net interest margin | 2.7997% | 5,578 |
| Noninterest income to average assets | 0.6130% | 2,674 |
| Noninterest expense to average assets | 2.8312% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3940% | 5,181 |
| Return on assets (ROA) | 0.4086% | 5,225 |
| Pretax return on assets | 0.4086% | 5,449 |
| Return on Equity (ROE) | 5.3271% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.3271% | 2,702 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7828% | 859 |
| Assets per employee ($millions) | 2.8660% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6561% | 124 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 5,111 |
| Noncurrent loans to loans | 1.3834% | 1,849 |
| Net loans and leases to total assets | 11.3398% | 6,214 |
| Net loans and leases to deposits | 12.3983% | 6,218 |
| Net loans and leases to core deposits | 12.7886% | 6,208 |
| Total domestic deposits to total assets | 91.4631% | 166 |
| Equity capital to assets | 8.4555% | 5,731 |
| Core capital (leverage) ratio | 7.9501% | 5,929 |
| Tier 1 risk-based capital ratio | 28.9453% | 572 |
| Total risk-based capital ratio | 30.2156% | 562 |
| Memoranda: | ||
| Average total assets | $9,136,000 | 6,264 |
| Average earning assets | $8,524,500 | 6,251 |
| Average equity | $700,750 | 6,264 |
| Average total loans | $901,750 | 6,232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8920% | 5,953 |
| Cost of funding earning assets | 0.1148% | 6,067 |
| Net interest margin | 2.7772% | 5,664 |
| Noninterest income to average assets | 0.5582% | 2,987 |
| Noninterest expense to average assets | 2.8340% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3220% | 5,380 |
| Return on assets (ROA) | 0.3435% | 5,419 |
| Pretax return on assets | 0.3435% | 5,588 |
| Return on Equity (ROE) | 4.6243% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.6243% | 3,094 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7959% | 768 |
| Assets per employee ($millions) | 3.3347% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0884% | 100 |
| Loan loss allowance to noncurrent loans | 246.6667% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 5,271 |
| Noncurrent loans to loans | 1.6575% | 1,577 |
| Net loans and leases to total assets | 8.6765% | 6,296 |
| Net loans and leases to deposits | 9.3043% | 6,300 |
| Net loans and leases to core deposits | 9.8146% | 6,290 |
| Total domestic deposits to total assets | 93.2527% | 48 |
| Equity capital to assets | 6.7173% | 6,230 |
| Core capital (leverage) ratio | 7.8515% | 5,993 |
| Tier 1 risk-based capital ratio | 28.0091% | 637 |
| Total risk-based capital ratio | 29.2581% | 633 |
| Memoranda: | ||
| Average total assets | $9,315,330 | 6,341 |
| Average earning assets | $8,713,670 | 6,324 |
| Average equity | $692,000 | 6,342 |
| Average total loans | $865,000 | 6,309 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8881% | 6,003 |
| Cost of funding earning assets | 0.0947% | 6,227 |
| Net interest margin | 2.7934% | 5,657 |
| Noninterest income to average assets | 0.4905% | 3,346 |
| Noninterest expense to average assets | 2.8091% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3121% | 5,369 |
| Return on assets (ROA) | 0.3567% | 5,348 |
| Pretax return on assets | 0.3567% | 5,524 |
| Return on Equity (ROE) | 4.5584% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.5584% | 3,294 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0000% | 847 |
| Assets per employee ($millions) | 3.0073% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3891% | 96 |
| Loan loss allowance to noncurrent loans | 308.3333% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,423 |
| Noncurrent loans to loans | 1.4235% | 2,015 |
| Net loans and leases to total assets | 8.9337% | 6,367 |
| Net loans and leases to deposits | 9.7296% | 6,371 |
| Net loans and leases to core deposits | 10.3347% | 6,361 |
| Total domestic deposits to total assets | 91.8200% | 173 |
| Equity capital to assets | 8.0802% | 5,992 |
| Core capital (leverage) ratio | 7.8195% | 6,027 |
| Tier 1 risk-based capital ratio | 32.5488% | 444 |
| Total risk-based capital ratio | 33.7922% | 438 |
| Memoranda: | ||
| Average total assets | $8,971,000 | 6,411 |
| Average earning assets | $8,448,500 | 6,395 |
| Average equity | $702,000 | 6,411 |
| Average total loans | $845,000 | 6,380 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9209% | 6,116 |
| Cost of funding earning assets | 0.2380% | 5,442 |
| Net interest margin | 2.6829% | 5,966 |
| Noninterest income to average assets | 0.4910% | 3,577 |
| Noninterest expense to average assets | 2.9462% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1125% | 5,936 |
| Return on assets (ROA) | 0.1432% | 5,936 |
| Pretax return on assets | 0.1125% | 5,977 |
| Return on Equity (ROE) | 2.4322% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.4322% | 4,499 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2973% | 451 |
| Assets per employee ($millions) | 2.9733% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3684% | 102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 9.0807% | 6,458 |
| Net loans and leases to deposits | 10.4990% | 6,459 |
| Net loans and leases to core deposits | 11.2033% | 6,449 |
| Total domestic deposits to total assets | 86.4910% | 2,573 |
| Equity capital to assets | 7.5673% | 6,218 |
| Core capital (leverage) ratio | 7.5931% | 6,176 |
| Tier 1 risk-based capital ratio | 31.4509% | 457 |
| Total risk-based capital ratio | 32.6672% | 451 |
| Memoranda: | ||
| Average total assets | $9,775,400 | 6,495 |
| Average earning assets | $9,243,600 | 6,481 |
| Average equity | $575,600 | 6,509 |
| Average total loans | $959,200 | 6,471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8694% | 6,230 |
| Cost of funding earning assets | 0.2827% | 5,065 |
| Net interest margin | 2.5866% | 6,148 |
| Noninterest income to average assets | 0.4672% | 3,751 |
| Noninterest expense to average assets | 2.7228% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1869% | 5,872 |
| Return on assets (ROA) | 0.1469% | 5,985 |
| Pretax return on assets | 0.1469% | 6,014 |
| Return on Equity (ROE) | 2.6636% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.6636% | 4,700 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5780% | 618 |
| Assets per employee ($millions) | 3.2147% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2578% | 130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 8.6271% | 6,536 |
| Net loans and leases to deposits | 9.2393% | 6,541 |
| Net loans and leases to core deposits | 10.3715% | 6,531 |
| Total domestic deposits to total assets | 93.3741% | 60 |
| Equity capital to assets | 6.5844% | 6,435 |
| Core capital (leverage) ratio | 6.7157% | 6,418 |
| Tier 1 risk-based capital ratio | 30.5121% | 497 |
| Total risk-based capital ratio | 31.7393% | 495 |
| Memoranda: | ||
| Average total assets | $9,989,250 | 6,574 |
| Average earning assets | $9,432,750 | 6,559 |
| Average equity | $550,750 | 6,588 |
| Average total loans | $987,250 | 6,551 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9134% | 6,249 |
| Cost of funding earning assets | 0.3144% | 4,833 |
| Net interest margin | 2.5990% | 6,171 |
| Noninterest income to average assets | 0.4157% | 4,130 |
| Noninterest expense to average assets | 2.3950% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4750% | 4,914 |
| Return on assets (ROA) | 0.4157% | 5,235 |
| Pretax return on assets | 0.4157% | 5,510 |
| Return on Equity (ROE) | 8.0357% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.0357% | 1,318 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4483% | 1,578 |
| Assets per employee ($millions) | 3.6330% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4848% | 117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 7.2300% | 6,608 |
| Net loans and leases to deposits | 7.6713% | 6,611 |
| Net loans and leases to core deposits | 9.2250% | 6,598 |
| Total domestic deposits to total assets | 94.2472% | 43 |
| Equity capital to assets | 5.7161% | 6,554 |
| Core capital (leverage) ratio | 6.6039% | 6,486 |
| Tier 1 risk-based capital ratio | 31.3844% | 467 |
| Total risk-based capital ratio | 32.5881% | 465 |
| Memoranda: | ||
| Average total assets | $10,104,330 | 6,640 |
| Average earning assets | $9,542,000 | 6,626 |
| Average equity | $522,670 | 6,655 |
| Average total loans | $1,026,670 | 6,617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1800% | 6,035 |
| Cost of funding earning assets | 0.3092% | 4,975 |
| Net interest margin | 2.8709% | 5,810 |
| Noninterest income to average assets | 0.4121% | 4,088 |
| Noninterest expense to average assets | 2.2252% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8654% | 2,823 |
| Return on assets (ROA) | 0.7417% | 3,557 |
| Pretax return on assets | 0.7417% | 4,344 |
| Return on Equity (ROE) | 15.2381% | 747 |
| Retained earnings to average equity (ytd only) | 15.2381% | 310 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0000% | 3,488 |
| Assets per employee ($millions) | 3.3867% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3484% | 305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 10.5118% | 6,668 |
| Net loans and leases to deposits | 11.1088% | 6,674 |
| Net loans and leases to core deposits | 13.9882% | 6,654 |
| Total domestic deposits to total assets | 94.6260% | 44 |
| Equity capital to assets | 5.3150% | 6,614 |
| Core capital (leverage) ratio | 6.6642% | 6,524 |
| Tier 1 risk-based capital ratio | 28.4932% | 609 |
| Total risk-based capital ratio | 29.7456% | 592 |
| Memoranda: | ||
| Average total assets | $9,707,000 | 6,718 |
| Average earning assets | $9,056,500 | 6,701 |
| Average equity | $472,500 | 6,726 |
| Average total loans | $1,127,500 | 6,686 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 5,702 |
| Cost of funding earning assets | 0.3787% | 4,850 |
| Net interest margin | 3.0857% | 5,358 |
| Noninterest income to average assets | 0.4353% | 4,194 |
| Noninterest expense to average assets | 3.0366% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2487% | 5,692 |
| Return on assets (ROA) | 0.2487% | 5,764 |
| Pretax return on assets | 0.2695% | 5,804 |
| Return on Equity (ROE) | 4.2553% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.2553% | 3,149 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8495% | 886 |
| Assets per employee ($millions) | 2.3135% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2174% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 12.0272% | 6,742 |
| Net loans and leases to deposits | 12.5805% | 6,749 |
| Net loans and leases to core deposits | 17.4725% | 6,719 |
| Total domestic deposits to total assets | 95.6019% | 33 |
| Equity capital to assets | 4.3765% | 6,729 |
| Core capital (leverage) ratio | 6.8348% | 6,554 |
| Tier 1 risk-based capital ratio | 27.5621% | 637 |
| Total risk-based capital ratio | 28.8043% | 625 |
| Memoranda: | ||
| Average total assets | $9,649,000 | 6,798 |
| Average earning assets | $8,977,000 | 6,782 |
| Average equity | $564,000 | 6,810 |
| Average total loans | $1,432,800 | 6,770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 5,391 |
| Cost of funding earning assets | 0.3824% | 4,971 |
| Net interest margin | 3.2358% | 4,875 |
| Noninterest income to average assets | 0.4104% | 4,449 |
| Noninterest expense to average assets | 2.7220% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6976% | 3,873 |
| Return on assets (ROA) | 0.6976% | 4,010 |
| Pretax return on assets | 0.6976% | 4,700 |
| Return on Equity (ROE) | 11.2629% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.2629% | 530 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6000% | 2,161 |
| Assets per employee ($millions) | 2.5363% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3270% | 1,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 15.3080% | 6,799 |
| Net loans and leases to deposits | 16.1033% | 6,813 |
| Net loans and leases to core deposits | 21.6688% | 6,777 |
| Total domestic deposits to total assets | 95.0616% | 37 |
| Equity capital to assets | 4.8990% | 6,776 |
| Core capital (leverage) ratio | 7.2333% | 6,535 |
| Tier 1 risk-based capital ratio | 23.9909% | 1,005 |
| Total risk-based capital ratio | 25.1953% | 999 |
| Memoranda: | ||
| Average total assets | $9,747,750 | 6,876 |
| Average earning assets | $9,065,250 | 6,861 |
| Average equity | $603,750 | 6,888 |
| Average total loans | $1,503,500 | 6,847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4223% | 5,856 |
| Cost of funding earning assets | 0.3803% | 5,135 |
| Net interest margin | 3.0421% | 5,457 |
| Noninterest income to average assets | 0.3744% | 4,717 |
| Noninterest expense to average assets | 2.5792% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6240% | 4,181 |
| Return on assets (ROA) | 0.6240% | 4,339 |
| Pretax return on assets | 0.6240% | 4,933 |
| Return on Equity (ROE) | 9.3848% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.3848% | 1,000 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5195% | 2,087 |
| Assets per employee ($millions) | 2.5780% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6753% | 809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 13.0528% | 6,862 |
| Net loans and leases to deposits | 13.7712% | 6,877 |
| Net loans and leases to core deposits | 17.8373% | 6,850 |
| Total domestic deposits to total assets | 94.7828% | 44 |
| Equity capital to assets | 5.1881% | 6,813 |
| Core capital (leverage) ratio | 6.9236% | 6,629 |
| Tier 1 risk-based capital ratio | 20.7769% | 1,548 |
| Total risk-based capital ratio | 21.8658% | 1,553 |
| Memoranda: | ||
| Average total assets | $9,615,330 | 6,927 |
| Average earning assets | $8,941,330 | 6,911 |
| Average equity | $639,330 | 6,937 |
| Average total loans | $1,474,670 | 6,895 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 6,242 |
| Cost of funding earning assets | 0.4176% | 4,929 |
| Net interest margin | 2.8303% | 5,973 |
| Noninterest income to average assets | 0.3885% | 4,549 |
| Noninterest expense to average assets | 2.5467% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4748% | 4,797 |
| Return on assets (ROA) | 0.4748% | 4,964 |
| Pretax return on assets | 0.4748% | 5,344 |
| Return on Equity (ROE) | 6.3630% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.3630% | 2,477 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2857% | 1,725 |
| Assets per employee ($millions) | 2.5545% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6890% | 925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 13.1043% | 6,933 |
| Net loans and leases to deposits | 14.0858% | 6,945 |
| Net loans and leases to core deposits | 19.0442% | 6,913 |
| Total domestic deposits to total assets | 93.0319% | 125 |
| Equity capital to assets | 6.8213% | 6,746 |
| Core capital (leverage) ratio | 6.7382% | 6,703 |
| Tier 1 risk-based capital ratio | 26.3416% | 759 |
| Total risk-based capital ratio | 27.7400% | 736 |
| Memoranda: | ||
| Average total assets | $9,267,000 | 7,009 |
| Average earning assets | $8,621,000 | 6,990 |
| Average equity | $691,500 | 7,007 |
| Average total loans | $1,520,500 | 6,972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 5,759 |
| Cost of funding earning assets | 0.4541% | 5,553 |
| Net interest margin | 3.3751% | 4,978 |
| Noninterest income to average assets | 0.3975% | 4,632 |
| Noninterest expense to average assets | 2.9042% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4417% | 4,920 |
| Return on assets (ROA) | 0.4417% | 5,170 |
| Pretax return on assets | 0.5300% | 5,196 |
| Return on Equity (ROE) | 5.9701% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.9701% | 2,094 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5659% | 1,564 |
| Assets per employee ($millions) | 2.7720% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 19.5767% | 6,928 |
| Net loans and leases to deposits | 21.3817% | 6,958 |
| Net loans and leases to core deposits | 21.3817% | 6,966 |
| Total domestic deposits to total assets | 91.5584% | 324 |
| Equity capital to assets | 8.2492% | 6,240 |
| Core capital (leverage) ratio | 7.5784% | 6,459 |
| Tier 1 risk-based capital ratio | 21.8750% | 1,283 |
| Total risk-based capital ratio | 23.0548% | 1,275 |
| Memoranda: | ||
| Average total assets | $9,055,800 | 7,072 |
| Average earning assets | $8,147,800 | 7,061 |
| Average equity | $670,000 | 7,076 |
| Average total loans | $1,581,800 | 7,041 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 6,143 |
| Cost of funding earning assets | 0.4356% | 5,897 |
| Net interest margin | 3.3070% | 5,366 |
| Noninterest income to average assets | 0.3752% | 4,826 |
| Noninterest expense to average assets | 2.6837% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6343% | 4,220 |
| Return on assets (ROA) | 0.6060% | 4,627 |
| Pretax return on assets | 0.6204% | 5,104 |
| Return on Equity (ROE) | 8.4084% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.4084% | 1,438 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5195% | 2,013 |
| Assets per employee ($millions) | 3.0253% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1868% | 1,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 18.2349% | 7,048 |
| Net loans and leases to deposits | 19.7683% | 7,076 |
| Net loans and leases to core deposits | 25.8796% | 7,019 |
| Total domestic deposits to total assets | 92.2433% | 179 |
| Equity capital to assets | 7.5804% | 6,755 |
| Core capital (leverage) ratio | 7.6394% | 6,552 |
| Tier 1 risk-based capital ratio | 21.9388% | 1,338 |
| Total risk-based capital ratio | 21.9388% | 1,566 |
| Memoranda: | ||
| Average total assets | $9,240,750 | 7,168 |
| Average earning assets | $8,265,250 | 7,154 |
| Average equity | $666,000 | 7,174 |
| Average total loans | $1,561,000 | 7,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 6,358 |
| Cost of funding earning assets | 0.4364% | 6,058 |
| Net interest margin | 3.2485% | 5,598 |
| Noninterest income to average assets | 0.3658% | 4,900 |
| Noninterest expense to average assets | 2.5818% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6442% | 4,141 |
| Return on assets (ROA) | 0.6024% | 4,610 |
| Pretax return on assets | 0.6239% | 5,057 |
| Return on Equity (ROE) | 8.5020% | 3,015 |
| Retained earnings to average equity (ytd only) | 8.5020% | 1,450 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4702% | 2,270 |
| Assets per employee ($millions) | 4.8735% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3672% | 1,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 15.6561% | 7,136 |
| Net loans and leases to deposits | 16.8451% | 7,157 |
| Net loans and leases to core deposits | 21.5476% | 7,129 |
| Total domestic deposits to total assets | 92.9414% | 131 |
| Equity capital to assets | 6.9149% | 6,925 |
| Core capital (leverage) ratio | 7.3229% | 6,706 |
| Tier 1 risk-based capital ratio | 21.4786% | 1,391 |
| Total risk-based capital ratio | 21.4786% | 1,623 |
| Memoranda: | ||
| Average total assets | $9,295,670 | 7,229 |
| Average earning assets | $8,250,000 | 7,215 |
| Average equity | $658,670 | 7,234 |
| Average total loans | $1,517,330 | 7,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 6,351 |
| Cost of funding earning assets | 0.4054% | 6,380 |
| Net interest margin | 3.3449% | 5,319 |
| Noninterest income to average assets | 0.3969% | 4,698 |
| Noninterest expense to average assets | 2.7343% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4776% | 4,916 |
| Return on assets (ROA) | 0.4410% | 5,266 |
| Pretax return on assets | 0.5292% | 5,336 |
| Return on Equity (ROE) | 6.1444% | 4,217 |
| Retained earnings to average equity (ytd only) | 6.1444% | 2,876 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6667% | 1,850 |
| Assets per employee ($millions) | 4.4780% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5712% | 1,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 15.6543% | 7,196 |
| Net loans and leases to deposits | 16.9221% | 7,220 |
| Net loans and leases to core deposits | 21.3752% | 7,186 |
| Total domestic deposits to total assets | 92.5078% | 187 |
| Equity capital to assets | 7.3247% | 6,841 |
| Core capital (leverage) ratio | 6.7769% | 6,912 |
| Tier 1 risk-based capital ratio | 21.5223% | 1,376 |
| Total risk-based capital ratio | 21.5223% | 1,617 |
| Memoranda: | ||
| Average total assets | $9,070,000 | 7,293 |
| Average earning assets | $7,892,500 | 7,282 |
| Average equity | $651,000 | 7,297 |
| Average total loans | $1,494,500 | 7,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 6,046 |
| Cost of funding earning assets | 0.5493% | 6,342 |
| Net interest margin | 3.6523% | 4,507 |
| Noninterest income to average assets | 0.5475% | 3,527 |
| Noninterest expense to average assets | 3.2985% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5342% | 4,294 |
| Return on assets (ROA) | 0.4941% | 4,661 |
| Pretax return on assets | 0.4941% | 5,009 |
| Return on Equity (ROE) | 5.8304% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.8304% | 2,113 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0627% | 1,559 |
| Assets per employee ($millions) | 4.5920% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3871% | 1,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 16.4743% | 7,244 |
| Net loans and leases to deposits | 18.1480% | 7,267 |
| Net loans and leases to core deposits | 21.2829% | 7,241 |
| Total domestic deposits to total assets | 90.7774% | 596 |
| Equity capital to assets | 7.0340% | 6,956 |
| Core capital (leverage) ratio | 7.5099% | 6,645 |
| Tier 1 risk-based capital ratio | 20.3914% | 1,548 |
| Total risk-based capital ratio | 20.3914% | 1,825 |
| Memoranda: | ||
| Average total assets | $7,488,200 | 7,349 |
| Average earning assets | $6,735,400 | 7,336 |
| Average equity | $634,600 | 7,350 |
| Average total loans | $1,641,400 | 7,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 5,913 |
| Cost of funding earning assets | 0.5898% | 6,332 |
| Net interest margin | 3.7211% | 4,245 |
| Noninterest income to average assets | 0.5662% | 3,400 |
| Noninterest expense to average assets | 3.1708% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8493% | 2,944 |
| Return on assets (ROA) | 0.8116% | 3,268 |
| Pretax return on assets | 0.8116% | 4,085 |
| Return on Equity (ROE) | 9.0748% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.0748% | 1,117 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8732% | 2,418 |
| Assets per employee ($millions) | 4.2795% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 1,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 18.7756% | 7,298 |
| Net loans and leases to deposits | 20.3650% | 7,330 |
| Net loans and leases to core deposits | 24.1183% | 7,293 |
| Total domestic deposits to total assets | 92.1953% | 186 |
| Equity capital to assets | 7.6177% | 6,885 |
| Core capital (leverage) ratio | 8.6725% | 5,453 |
| Tier 1 risk-based capital ratio | 20.9243% | 1,468 |
| Total risk-based capital ratio | 20.9243% | 1,738 |
| Memoranda: | ||
| Average total assets | $7,064,250 | 7,429 |
| Average earning assets | $6,557,000 | 7,414 |
| Average equity | $631,750 | 7,427 |
| Average total loans | $1,664,250 | 7,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 5,213 |
| Cost of funding earning assets | 0.6206% | 6,360 |
| Net interest margin | 3.9199% | 3,216 |
| Noninterest income to average assets | 0.6092% | 3,077 |
| Noninterest expense to average assets | 3.3506% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9138% | 2,575 |
| Return on assets (ROA) | 0.8833% | 2,821 |
| Pretax return on assets | 0.8833% | 3,695 |
| Return on Equity (ROE) | 9.2800% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.2800% | 1,020 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,616 |
| Assets per employee ($millions) | 2.3793% | 7,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 1,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 22.4573% | 7,340 |
| Net loans and leases to deposits | 24.7186% | 7,363 |
| Net loans and leases to core deposits | 31.6986% | 7,299 |
| Total domestic deposits to total assets | 90.8518% | 563 |
| Equity capital to assets | 8.9381% | 5,665 |
| Core capital (leverage) ratio | 9.1052% | 4,559 |
| Tier 1 risk-based capital ratio | 22.6241% | 1,175 |
| Total risk-based capital ratio | 22.6241% | 1,332 |
| Memoranda: | ||
| Average total assets | $6,566,000 | 7,506 |
| Average earning assets | $6,122,670 | 7,491 |
| Average equity | $625,000 | 7,505 |
| Average total loans | $1,671,000 | 7,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 4,654 |
| Cost of funding earning assets | 0.6765% | 6,263 |
| Net interest margin | 3.9912% | 2,720 |
| Noninterest income to average assets | 0.5732% | 3,350 |
| Noninterest expense to average assets | 3.1210% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2102% | 1,503 |
| Return on assets (ROA) | 1.2102% | 1,553 |
| Pretax return on assets | 1.2102% | 2,337 |
| Return on Equity (ROE) | 12.2878% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.2878% | 692 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0588% | 3,848 |
| Assets per employee ($millions) | 2.2627% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 1,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 22.9965% | 7,388 |
| Net loans and leases to deposits | 25.9734% | 7,409 |
| Net loans and leases to core deposits | 30.8072% | 7,369 |
| Total domestic deposits to total assets | 88.5386% | 2,050 |
| Equity capital to assets | 9.2516% | 4,814 |
| Core capital (leverage) ratio | 8.9179% | 4,744 |
| Tier 1 risk-based capital ratio | 23.1393% | 1,064 |
| Total risk-based capital ratio | 23.1393% | 1,214 |
| Memoranda: | ||
| Average total assets | $6,280,000 | 7,568 |
| Average earning assets | $5,913,000 | 7,554 |
| Average equity | $618,500 | 7,562 |
| Average total loans | $1,686,500 | 7,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 4,701 |
| Cost of funding earning assets | 0.7462% | 6,752 |
| Net interest margin | 4.2220% | 2,088 |
| Noninterest income to average assets | 0.6178% | 3,357 |
| Noninterest expense to average assets | 3.9816% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3261% | 4,847 |
| Return on assets (ROA) | 0.2918% | 5,126 |
| Pretax return on assets | 0.2918% | 5,252 |
| Return on Equity (ROE) | 2.8183% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.8183% | 3,876 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4303% | 1,153 |
| Assets per employee ($millions) | 1.9240% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0845% | 2,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 30.1109% | 7,348 |
| Net loans and leases to deposits | 33.8593% | 7,396 |
| Net loans and leases to core deposits | 41.4797% | 7,274 |
| Total domestic deposits to total assets | 88.9293% | 1,698 |
| Equity capital to assets | 10.5509% | 3,102 |
| Core capital (leverage) ratio | 9.8226% | 3,291 |
| Tier 1 risk-based capital ratio | 22.9465% | 1,045 |
| Total risk-based capital ratio | 22.9465% | 1,195 |
| Memoranda: | ||
| Average total assets | $5,826,800 | 7,652 |
| Average earning assets | $5,092,400 | 7,641 |
| Average equity | $603,200 | 7,655 |
| Average total loans | $1,628,200 | 7,606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 4,517 |
| Cost of funding earning assets | 0.7730% | 6,835 |
| Net interest margin | 4.2908% | 1,875 |
| Noninterest income to average assets | 0.5936% | 3,481 |
| Noninterest expense to average assets | 3.9721% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3882% | 4,800 |
| Return on assets (ROA) | 0.3424% | 5,173 |
| Pretax return on assets | 0.2512% | 5,613 |
| Return on Equity (ROE) | 3.3236% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.3236% | 4,113 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0481% | 1,054 |
| Assets per employee ($millions) | 2.9960% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2182% | 1,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 27.2196% | 7,523 |
| Net loans and leases to deposits | 30.3555% | 7,556 |
| Net loans and leases to core deposits | 36.8172% | 7,487 |
| Total domestic deposits to total assets | 89.6696% | 1,036 |
| Equity capital to assets | 10.1302% | 3,979 |
| Core capital (leverage) ratio | 10.6100% | 2,593 |
| Tier 1 risk-based capital ratio | 23.3641% | 1,019 |
| Total risk-based capital ratio | 23.3641% | 1,161 |
| Memoranda: | ||
| Average total assets | $5,840,500 | 7,755 |
| Average earning assets | $5,002,750 | 7,744 |
| Average equity | $601,750 | 7,758 |
| Average total loans | $1,591,500 | 7,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 5,056 |
| Cost of funding earning assets | 0.8024% | 6,912 |
| Net interest margin | 4.1722% | 2,250 |
| Noninterest income to average assets | 0.6218% | 3,179 |
| Noninterest expense to average assets | 3.7997% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5527% | 4,080 |
| Return on assets (ROA) | 0.5181% | 4,405 |
| Pretax return on assets | 0.3800% | 5,279 |
| Return on Equity (ROE) | 5.0000% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.0000% | 2,898 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1639% | 1,321 |
| Assets per employee ($millions) | 2.9935% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2533% | 1,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 26.8081% | 7,604 |
| Net loans and leases to deposits | 29.8994% | 7,639 |
| Net loans and leases to core deposits | 35.0820% | 7,582 |
| Total domestic deposits to total assets | 89.6609% | 1,092 |
| Equity capital to assets | 10.1386% | 3,845 |
| Core capital (leverage) ratio | 10.5915% | 2,550 |
| Tier 1 risk-based capital ratio | 23.8133% | 959 |
| Total risk-based capital ratio | 23.8133% | 1,094 |
| Memoranda: | ||
| Average total assets | $5,790,000 | 7,825 |
| Average earning assets | $4,985,330 | 7,812 |
| Average equity | $600,000 | 7,825 |
| Average total loans | $1,566,000 | 7,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 6,108 |
| Cost of funding earning assets | 0.7357% | 7,258 |
| Net interest margin | 4.0057% | 2,852 |
| Noninterest income to average assets | 0.7028% | 2,580 |
| Noninterest expense to average assets | 3.7951% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6325% | 3,742 |
| Return on assets (ROA) | 0.6325% | 3,865 |
| Pretax return on assets | 0.3514% | 5,455 |
| Return on Equity (ROE) | 6.0352% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.0352% | 2,608 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5254% | 1,314 |
| Assets per employee ($millions) | 2.9055% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4151% | 1,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 25.7271% | 7,705 |
| Net loans and leases to deposits | 28.7611% | 7,745 |
| Net loans and leases to core deposits | 33.9387% | 7,687 |
| Total domestic deposits to total assets | 89.4510% | 1,266 |
| Equity capital to assets | 10.3425% | 3,420 |
| Core capital (leverage) ratio | 10.5143% | 2,610 |
| Tier 1 risk-based capital ratio | 24.3418% | 929 |
| Total risk-based capital ratio | 24.3418% | 1,042 |
| Memoranda: | ||
| Average total assets | $5,691,500 | 7,929 |
| Average earning assets | $4,893,000 | 7,915 |
| Average equity | $596,500 | 7,918 |
| Average total loans | $1,528,000 | 7,880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 7,569 |
| Cost of funding earning assets | 1.0668% | 7,065 |
| Net interest margin | 3.2004% | 6,092 |
| Noninterest income to average assets | 0.8536% | 2,167 |
| Noninterest expense to average assets | 3.9724% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2835% | 5,950 |
| Return on assets (ROA) | -0.3283% | 5,995 |
| Pretax return on assets | -0.3611% | 5,886 |
| Return on Equity (ROE) | -3.2852% | 6,024 |
| Retained earnings to average equity (ytd only) | -3.2852% | 5,750 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5202% | 831 |
| Assets per employee ($millions) | 1.8573% | 7,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 1,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 26.6870% | 7,776 |
| Net loans and leases to deposits | 29.9557% | 7,812 |
| Net loans and leases to core deposits | 39.5479% | 7,763 |
| Total domestic deposits to total assets | 89.0883% | 1,442 |
| Equity capital to assets | 10.6246% | 3,044 |
| Core capital (leverage) ratio | 9.7738% | 3,363 |
| Tier 1 risk-based capital ratio | 24.7078% | 880 |
| Total risk-based capital ratio | 24.7078% | 974 |
| Memoranda: | ||
| Average total assets | $6,092,000 | 8,006 |
| Average earning assets | $5,343,000 | 7,994 |
| Average equity | $608,800 | 8,005 |
| Average total loans | $1,643,000 | 7,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 7,752 |
| Cost of funding earning assets | 1.1290% | 7,099 |
| Net interest margin | 3.0190% | 6,553 |
| Noninterest income to average assets | 0.8787% | 2,065 |
| Noninterest expense to average assets | 3.5786% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0643% | 5,831 |
| Return on assets (ROA) | 0.0000% | 5,768 |
| Pretax return on assets | 0.0000% | 5,706 |
| Return on Equity (ROE) | 0.0000% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8293% | 986 |
| Assets per employee ($millions) | 1.9680% | 7,820 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6204% | 947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 23.2893% | 7,910 |
| Net loans and leases to deposits | 26.1307% | 7,947 |
| Net loans and leases to core deposits | 33.8753% | 7,920 |
| Total domestic deposits to total assets | 89.1260% | 1,140 |
| Equity capital to assets | 10.5014% | 3,514 |
| Core capital (leverage) ratio | 9.8288% | 3,483 |
| Tier 1 risk-based capital ratio | 26.2935% | 801 |
| Total risk-based capital ratio | 26.2935% | 869 |
| Memoranda: | ||
| Average total assets | $6,222,000 | 8,091 |
| Average earning assets | $5,432,250 | 8,079 |
| Average equity | $613,000 | 8,089 |
| Average total loans | $1,672,750 | 8,035 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 7,935 |
| Cost of funding earning assets | 1.1619% | 7,211 |
| Net interest margin | 2.7595% | 7,087 |
| Noninterest income to average assets | 0.9166% | 1,910 |
| Noninterest expense to average assets | 3.6030% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2845% | 6,313 |
| Return on assets (ROA) | -0.2212% | 6,239 |
| Pretax return on assets | -0.2212% | 6,145 |
| Return on Equity (ROE) | -2.2926% | 6,265 |
| Retained earnings to average equity (ytd only) | -2.2926% | 5,810 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5714% | 890 |
| Assets per employee ($millions) | 2.3107% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 21.5234% | 8,021 |
| Net loans and leases to deposits | 23.6375% | 8,051 |
| Net loans and leases to core deposits | 25.7064% | 8,056 |
| Total domestic deposits to total assets | 91.0560% | 437 |
| Equity capital to assets | 8.6844% | 5,779 |
| Core capital (leverage) ratio | 8.7602% | 4,992 |
| Tier 1 risk-based capital ratio | 22.7858% | 1,162 |
| Total risk-based capital ratio | 22.7858% | 1,287 |
| Memoranda: | ||
| Average total assets | $6,328,000 | 8,184 |
| Average earning assets | $5,508,330 | 8,172 |
| Average equity | $610,670 | 8,181 |
| Average total loans | $1,759,670 | 8,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 7,926 |
| Cost of funding earning assets | 1.1516% | 7,409 |
| Net interest margin | 2.9942% | 6,494 |
| Noninterest income to average assets | 0.9293% | 1,740 |
| Noninterest expense to average assets | 3.9827% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4647% | 6,841 |
| Return on assets (ROA) | -0.4647% | 6,903 |
| Pretax return on assets | -0.4647% | 6,796 |
| Return on Equity (ROE) | -4.5528% | 6,945 |
| Retained earnings to average equity (ytd only) | -4.5528% | 6,495 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2075% | 748 |
| Assets per employee ($millions) | 2.3300% | 7,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3256% | 914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 22.2318% | 8,062 |
| Net loans and leases to deposits | 24.4455% | 8,097 |
| Net loans and leases to core deposits | 26.5641% | 8,108 |
| Total domestic deposits to total assets | 90.9442% | 433 |
| Equity capital to assets | 8.7268% | 5,726 |
| Core capital (leverage) ratio | 10.3741% | 3,047 |
| Tier 1 risk-based capital ratio | 22.4182% | 1,255 |
| Total risk-based capital ratio | 22.4182% | 1,390 |
| Memoranda: | ||
| Average total assets | $6,026,000 | 8,236 |
| Average earning assets | $5,210,000 | 8,224 |
| Average equity | $615,000 | 8,232 |
| Average total loans | $1,875,000 | 8,177 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 4,977 |
| Cost of funding earning assets | 1.7978% | 7,014 |
| Net interest margin | 4.3146% | 1,931 |
| Noninterest income to average assets | 0.7161% | 3,018 |
| Noninterest expense to average assets | 4.3155% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0188% | 6,318 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5652% | 1,001 |
| Assets per employee ($millions) | 1.6873% | 8,099 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 1,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 41.9202% | 7,594 |
| Net loans and leases to deposits | 49.7072% | 7,638 |
| Net loans and leases to core deposits | 56.4062% | 7,727 |
| Total domestic deposits to total assets | 84.3343% | 3,161 |
| Equity capital to assets | 12.2481% | 2,137 |
| Core capital (leverage) ratio | 11.1251% | 2,489 |
| Tier 1 risk-based capital ratio | 22.0955% | 1,304 |
| Total risk-based capital ratio | 22.0955% | 1,448 |
| Memoranda: | ||
| Average total assets | $5,306,400 | 8,294 |
| Average earning assets | $4,450,000 | 8,285 |
| Average equity | $615,800 | 8,297 |
| Average total loans | $2,065,200 | 8,233 |