Home > Ascent Bank > Performance and Condition Ratios
Ascent Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3204% | 787 |
| Cost of funding earning assets | 1.9298% | 2,117 |
| Net interest margin | 4.3906% | 749 |
| Noninterest income to average assets | 0.0700% | 4,241 |
| Noninterest expense to average assets | 2.4438% | 2,473 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.2924% | 1,488 |
| Return on assets (ROA) | 1.2924% | 1,482 |
| Pretax return on assets | 1.7461% | 1,036 |
| Return on Equity (ROE) | 14.5800% | 1,161 |
| Retained earnings to average equity (ytd only) | -4.7747% | 4,068 |
| Net charge-offs to loans | -0.0050% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 58.1670% | 3,155 |
| Assets per employee ($millions) | 8.7126% | 1,218 |
| Cash dividends to net income (ytd only)* | 132.7434% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,017 |
| Loan loss allowance to noncurrent loans | 428.7234% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 2,202 |
| Noncurrent loans to loans | 0.3502% | 2,249 |
| Net loans and leases to total assets | 75.8700% | 1,103 |
| Net loans and leases to deposits | 85.5930% | 1,534 |
| Net loans and leases to core deposits | 102.8699% | 1,197 |
| Total domestic deposits to total assets | 88.6400% | 1,329 |
| Equity capital to assets | 8.9086% | 3,003 |
| Core capital (leverage) ratio | 8.9195% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9768% | 1,871 |
| Memoranda: | ||
| Average total assets | $104,920,500 | 3,741 |
| Average earning assets | $98,665,000 | 3,715 |
| Average equity | $9,299,000 | 3,850 |
| Average total loans | $79,932,500 | 3,446 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21,215.0000% | 28 |
| Cost of funding earning assets | 254.0000% | 16 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 2.0000% | 257 |
| Noninterest expense to average assets | 0.0004% | 4,473 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,165 |
| Return on assets (ROA) | 0.8188% | 2,646 |
| Pretax return on assets | 1.1169% | 2,190 |
| Return on Equity (ROE) | 9.6600% | 2,248 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,851 |
| Efficiency ratio | 2,000.0000% | 24 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 5.4934% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 487.0000% | 32 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0019% | 4,391 |
| Total domestic deposits to total assets | 7.9536% | 4,388 |
| Equity capital to assets | 173,375.0000% | 15 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,515,000 | 4,476 |
| Average earning assets | $515 | 4,493 |
| Average equity | $0 | 4,450 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8252% | 1,512 |
| Cost of funding earning assets | 1.9758% | 2,277 |
| Net interest margin | 3.8494% | 1,384 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 2.5677% | 2,037 |
| Loan and lease loss provision to assets | 0.2600% | 417 |
| Net operating income to assets | 0.6921% | 2,997 |
| Return on assets (ROA) | 0.6921% | 3,023 |
| Pretax return on assets | 0.9378% | 2,716 |
| Return on Equity (ROE) | 8.2500% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.0751% | 3,153 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.2540% | 2,235 |
| Assets per employee ($millions) | 8.2686% | 1,364 |
| Cash dividends to net income (ytd only)* | 62.7451% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,271 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 2,579 |
| Noncurrent loans to loans | 0.2370% | 2,585 |
| Net loans and leases to total assets | 73.5300% | 1,430 |
| Net loans and leases to deposits | 82.5204% | 1,931 |
| Net loans and leases to core deposits | 96.2624% | 1,737 |
| Total domestic deposits to total assets | 89.1100% | 868 |
| Equity capital to assets | 8.5327% | 3,376 |
| Core capital (leverage) ratio | 9.2991% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3806% | 2,126 |
| Memoranda: | ||
| Average total assets | $98,243,000 | 3,809 |
| Average earning assets | $92,584,250 | 3,782 |
| Average equity | $8,238,000 | 3,958 |
| Average total loans | $75,050,250 | 3,499 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8200% | 1,433 |
| Cost of funding earning assets | 1.9698% | 2,195 |
| Net interest margin | 3.8502% | 1,345 |
| Noninterest income to average assets | 0.1100% | 4,190 |
| Noninterest expense to average assets | 2.6671% | 1,767 |
| Loan and lease loss provision to assets | 0.2600% | 402 |
| Net operating income to assets | 0.5864% | 3,215 |
| Return on assets (ROA) | 0.5864% | 3,249 |
| Pretax return on assets | 0.7966% | 3,006 |
| Return on Equity (ROE) | 7.0400% | 2,992 |
| Retained earnings to average equity (ytd only) | -1.0345% | 4,058 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.6140% | 1,904 |
| Assets per employee ($millions) | 7.4293% | 1,777 |
| Cash dividends to net income (ytd only)* | 114.6953% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,304 |
| Loan loss allowance to noncurrent loans | 551.2821% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,398 |
| Noncurrent loans to loans | 0.2577% | 2,453 |
| Net loans and leases to total assets | 77.2400% | 1,006 |
| Net loans and leases to deposits | 87.0843% | 1,561 |
| Net loans and leases to core deposits | 101.2500% | 1,407 |
| Total domestic deposits to total assets | 88.7000% | 1,101 |
| Equity capital to assets | 8.9417% | 2,778 |
| Core capital (leverage) ratio | 9.3023% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0283% | 1,876 |
| Memoranda: | ||
| Average total assets | $95,160,000 | 3,843 |
| Average earning assets | $89,450,667 | 3,818 |
| Average equity | $7,926,667 | 3,977 |
| Average total loans | $73,339,333 | 3,528 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6783% | 1,501 |
| Cost of funding earning assets | 1.9093% | 2,229 |
| Net interest margin | 3.7690% | 1,411 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 2.7697% | 1,529 |
| Loan and lease loss provision to assets | 0.2200% | 447 |
| Net operating income to assets | 0.4828% | 3,441 |
| Return on assets (ROA) | 0.4828% | 3,464 |
| Pretax return on assets | 0.6437% | 3,294 |
| Return on Equity (ROE) | 6.0200% | 3,213 |
| Retained earnings to average equity (ytd only) | -10.8822% | 4,322 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.2238% | 1,525 |
| Assets per employee ($millions) | 6.3540% | 2,567 |
| Cash dividends to net income (ytd only)* | 280.7018% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,548 |
| Loan loss allowance to noncurrent loans | 486.8932% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,274 |
| Noncurrent loans to loans | 0.2784% | 2,316 |
| Net loans and leases to total assets | 76.6000% | 998 |
| Net loans and leases to deposits | 85.4248% | 1,591 |
| Net loans and leases to core deposits | 97.8540% | 1,529 |
| Total domestic deposits to total assets | 89.6700% | 907 |
| Equity capital to assets | 7.8218% | 3,484 |
| Core capital (leverage) ratio | 8.2503% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4040% | 2,459 |
| Memoranda: | ||
| Average total assets | $94,449,500 | 3,868 |
| Average earning assets | $88,618,500 | 3,841 |
| Average equity | $7,572,000 | 4,038 |
| Average total loans | $72,172,000 | 3,546 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 1,577 |
| Cost of funding earning assets | 1.3747% | 2,298 |
| Net interest margin | 3.8741% | 1,429 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.9892% | 1,139 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.4781% | 3,717 |
| Return on assets (ROA) | 0.4781% | 3,715 |
| Pretax return on assets | 0.6409% | 3,559 |
| Return on Equity (ROE) | 5.8800% | 3,542 |
| Retained earnings to average equity (ytd only) | 1.7695% | 3,635 |
| Net charge-offs to loans | -0.0016% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.3383% | 1,128 |
| Assets per employee ($millions) | 5.8493% | 2,943 |
| Cash dividends to net income (ytd only)* | 69.9301% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,574 |
| Loan loss allowance to noncurrent loans | 442.3256% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 2,069 |
| Noncurrent loans to loans | 0.3057% | 2,088 |
| Net loans and leases to total assets | 74.1400% | 1,341 |
| Net loans and leases to deposits | 82.9401% | 1,870 |
| Net loans and leases to core deposits | 96.8132% | 1,613 |
| Total domestic deposits to total assets | 89.3900% | 948 |
| Equity capital to assets | 8.2157% | 3,267 |
| Core capital (leverage) ratio | 8.6333% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9211% | 2,263 |
| Memoranda: | ||
| Average total assets | $89,724,000 | 3,916 |
| Average earning assets | $84,020,400 | 3,892 |
| Average equity | $7,290,200 | 4,013 |
| Average total loans | $63,145,600 | 3,661 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 1,666 |
| Cost of funding earning assets | 1.2319% | 2,327 |
| Net interest margin | 3.8466% | 1,502 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 3.1230% | 901 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.3605% | 4,027 |
| Return on assets (ROA) | 0.3605% | 4,033 |
| Pretax return on assets | 0.4807% | 3,937 |
| Return on Equity (ROE) | 4.4500% | 3,911 |
| Retained earnings to average equity (ytd only) | -1.1126% | 4,262 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.8811% | 677 |
| Assets per employee ($millions) | 4.9502% | 3,639 |
| Cash dividends to net income (ytd only)* | 125.0000% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 1,820 |
| Loan loss allowance to noncurrent loans | 381.1659% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,007 |
| Noncurrent loans to loans | 0.3441% | 1,996 |
| Net loans and leases to total assets | 71.7900% | 1,600 |
| Net loans and leases to deposits | 80.3250% | 2,018 |
| Net loans and leases to core deposits | 94.6131% | 1,641 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 7.9592% | 3,076 |
| Core capital (leverage) ratio | 8.6256% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4790% | 2,085 |
| Memoranda: | ||
| Average total assets | $88,757,750 | 3,938 |
| Average earning assets | $83,120,000 | 3,914 |
| Average equity | $7,190,500 | 4,029 |
| Average total loans | $61,347,750 | 3,695 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 1,729 |
| Cost of funding earning assets | 1.0163% | 2,545 |
| Net interest margin | 3.8992% | 1,432 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 3.1452% | 846 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.3542% | 4,083 |
| Return on assets (ROA) | 0.3542% | 4,105 |
| Pretax return on assets | 0.4716% | 4,015 |
| Return on Equity (ROE) | 4.3500% | 3,976 |
| Retained earnings to average equity (ytd only) | -3.9594% | 4,388 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.7689% | 668 |
| Assets per employee ($millions) | 5.0411% | 3,565 |
| Cash dividends to net income (ytd only)* | 191.0828% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 1,938 |
| Loan loss allowance to noncurrent loans | 356.2771% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 1,928 |
| Noncurrent loans to loans | 0.3645% | 1,834 |
| Net loans and leases to total assets | 68.9300% | 1,860 |
| Net loans and leases to deposits | 76.9032% | 2,224 |
| Net loans and leases to core deposits | 89.4223% | 1,834 |
| Total domestic deposits to total assets | 89.6400% | 1,038 |
| Equity capital to assets | 7.9260% | 3,262 |
| Core capital (leverage) ratio | 8.5692% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5853% | 2,065 |
| Memoranda: | ||
| Average total assets | $88,642,333 | 3,953 |
| Average earning assets | $83,042,333 | 3,921 |
| Average equity | $7,223,333 | 4,045 |
| Average total loans | $60,191,667 | 3,720 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 1,620 |
| Cost of funding earning assets | 0.7924% | 2,760 |
| Net interest margin | 4.0059% | 1,253 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 3.2057% | 792 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.3836% | 4,112 |
| Return on assets (ROA) | 0.3836% | 4,062 |
| Pretax return on assets | 0.5115% | 3,978 |
| Return on Equity (ROE) | 4.6400% | 3,939 |
| Retained earnings to average equity (ytd only) | -11.9354% | 4,510 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.4706% | 677 |
| Assets per employee ($millions) | 4.8732% | 3,749 |
| Cash dividends to net income (ytd only)* | 357.1429% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,021 |
| Loan loss allowance to noncurrent loans | 324.5833% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 1,772 |
| Noncurrent loans to loans | 0.4014% | 1,729 |
| Net loans and leases to total assets | 67.2700% | 1,925 |
| Net loans and leases to deposits | 76.3940% | 2,083 |
| Net loans and leases to core deposits | 81.5113% | 2,145 |
| Total domestic deposits to total assets | 88.0500% | 1,910 |
| Equity capital to assets | 8.1957% | 3,111 |
| Core capital (leverage) ratio | 8.7925% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5633% | 2,160 |
| Memoranda: | ||
| Average total assets | $87,594,000 | 4,021 |
| Average earning assets | $82,279,500 | 3,988 |
| Average equity | $7,239,000 | 4,091 |
| Average total loans | $58,601,000 | 3,781 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 955 |
| Cost of funding earning assets | 0.2427% | 3,388 |
| Net interest margin | 4.1146% | 638 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 3.2874% | 635 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5103% | 4,076 |
| Return on assets (ROA) | 0.5103% | 4,033 |
| Pretax return on assets | 0.6832% | 3,883 |
| Return on Equity (ROE) | 5.3800% | 3,953 |
| Retained earnings to average equity (ytd only) | -2.6382% | 4,510 |
| Net charge-offs to loans | 0.0074% | 2,126 |
| Credit loss provision to net charge-offs | 1,250.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 786 |
| Efficiency ratio | 81.2899% | 635 |
| Assets per employee ($millions) | 4.8595% | 3,773 |
| Cash dividends to net income (ytd only)* | 149.0385% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 1,927 |
| Loan loss allowance to noncurrent loans | 350.4717% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 1,942 |
| Noncurrent loans to loans | 0.3692% | 1,821 |
| Net loans and leases to total assets | 64.7900% | 2,167 |
| Net loans and leases to deposits | 70.8850% | 2,501 |
| Net loans and leases to core deposits | 75.3023% | 2,479 |
| Total domestic deposits to total assets | 91.4000% | 811 |
| Equity capital to assets | 8.3330% | 2,827 |
| Core capital (leverage) ratio | 9.1234% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3792% | 1,821 |
| Memoranda: | ||
| Average total assets | $81,523,600 | 4,111 |
| Average earning assets | $76,240,200 | 4,083 |
| Average equity | $7,732,400 | 4,125 |
| Average total loans | $54,133,400 | 3,834 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 697 |
| Cost of funding earning assets | 0.1554% | 3,789 |
| Net interest margin | 4.1664% | 452 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 3.3434% | 559 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.4931% | 4,093 |
| Return on assets (ROA) | 0.4931% | 4,042 |
| Pretax return on assets | 0.6580% | 3,887 |
| Return on Equity (ROE) | 5.0300% | 3,977 |
| Retained earnings to average equity (ytd only) | -5.5078% | 4,613 |
| Net charge-offs to loans | 0.0100% | 1,751 |
| Credit loss provision to net charge-offs | 1,250.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 111.2500% | 888 |
| Efficiency ratio | 81.6069% | 676 |
| Assets per employee ($millions) | 5.0021% | 3,672 |
| Cash dividends to net income (ytd only)* | 209.4595% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,905 |
| Loan loss allowance to noncurrent loans | 222.4551% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 1,381 |
| Noncurrent loans to loans | 0.5964% | 1,353 |
| Net loans and leases to total assets | 64.9900% | 1,984 |
| Net loans and leases to deposits | 71.0884% | 2,278 |
| Net loans and leases to core deposits | 74.2210% | 2,332 |
| Total domestic deposits to total assets | 91.4200% | 1,074 |
| Equity capital to assets | 8.1978% | 2,763 |
| Core capital (leverage) ratio | 9.1819% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5713% | 1,855 |
| Memoranda: | ||
| Average total assets | $80,036,750 | 4,159 |
| Average earning assets | $74,626,500 | 4,132 |
| Average equity | $7,843,250 | 4,157 |
| Average total loans | $53,312,500 | 3,863 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 508 |
| Cost of funding earning assets | 0.1173% | 3,992 |
| Net interest margin | 4.2122% | 331 |
| Noninterest income to average assets | 0.2045% | 3,971 |
| Noninterest expense to average assets | 3.4203% | 469 |
| Loan and lease loss provision to assets | 0.1278% | 763 |
| Net operating income to assets | 0.4525% | 3,997 |
| Return on assets (ROA) | 0.4525% | 3,953 |
| Pretax return on assets | 0.6033% | 3,810 |
| Return on Equity (ROE) | 4.4774% | 3,916 |
| Retained earnings to average equity (ytd only) | -2.3525% | 4,409 |
| Net charge-offs to loans | 0.0496% | 896 |
| Credit loss provision to net charge-offs | 384.6154% | 710 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,513 |
| Efficiency ratio | 82.1429% | 788 |
| Assets per employee ($millions) | 3.6380% | 4,511 |
| Cash dividends to net income (ytd only)* | 152.5424% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,697 |
| Loan loss allowance to noncurrent loans | 264.0288% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,538 |
| Noncurrent loans to loans | 0.5355% | 1,549 |
| Net loans and leases to total assets | 66.9878% | 1,586 |
| Net loans and leases to deposits | 74.5112% | 1,804 |
| Net loans and leases to core deposits | 77.5506% | 1,888 |
| Total domestic deposits to total assets | 89.9030% | 1,748 |
| Equity capital to assets | 9.5381% | 1,990 |
| Core capital (leverage) ratio | 10.1196% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2583% | 1,373 |
| Memoranda: | ||
| Average total assets | $78,239,333 | 4,221 |
| Average earning assets | $73,310,000 | 4,205 |
| Average equity | $7,906,333 | 4,213 |
| Average total loans | $52,415,000 | 3,921 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 283 |
| Cost of funding earning assets | 0.1186% | 3,913 |
| Net interest margin | 4.4376% | 186 |
| Noninterest income to average assets | 0.2021% | 3,951 |
| Noninterest expense to average assets | 3.3148% | 526 |
| Loan and lease loss provision to assets | 0.2527% | 257 |
| Net operating income to assets | 0.5963% | 3,408 |
| Return on assets (ROA) | 0.5963% | 3,391 |
| Pretax return on assets | 0.7933% | 3,128 |
| Return on Equity (ROE) | 5.7449% | 3,417 |
| Retained earnings to average equity (ytd only) | -7.4002% | 4,506 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7822% | 1,553 |
| Assets per employee ($millions) | 3.8509% | 4,455 |
| Cash dividends to net income (ytd only)* | 228.8136% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,765 |
| Loan loss allowance to noncurrent loans | 298.8000% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 1,813 |
| Noncurrent loans to loans | 0.4816% | 1,823 |
| Net loans and leases to total assets | 66.4243% | 1,370 |
| Net loans and leases to deposits | 74.2442% | 1,582 |
| Net loans and leases to core deposits | 78.2256% | 1,598 |
| Total domestic deposits to total assets | 89.4673% | 1,832 |
| Equity capital to assets | 9.9900% | 1,896 |
| Core capital (leverage) ratio | 10.0628% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1392% | 1,473 |
| Memoranda: | ||
| Average total assets | $79,159,500 | 4,235 |
| Average earning assets | $74,185,000 | 4,210 |
| Average equity | $8,216,000 | 4,248 |
| Average total loans | $52,666,500 | 3,932 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 887 |
| Cost of funding earning assets | 0.1459% | 4,016 |
| Net interest margin | 4.1262% | 565 |
| Noninterest income to average assets | 0.3084% | 3,558 |
| Noninterest expense to average assets | 3.0311% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8232% | 3,263 |
| Return on assets (ROA) | 0.8232% | 3,334 |
| Pretax return on assets | 1.1340% | 2,874 |
| Return on Equity (ROE) | 7.8056% | 3,279 |
| Retained earnings to average equity (ytd only) | 4.6600% | 2,943 |
| Net charge-offs to loans | 0.0635% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 27.1471% | 1,685 |
| Efficiency ratio | 72.3894% | 1,465 |
| Assets per employee ($millions) | 4.2791% | 4,282 |
| Cash dividends to net income (ytd only)* | 40.2985% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,338 |
| Loan loss allowance to noncurrent loans | 181.5104% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 1,400 |
| Noncurrent loans to loans | 0.7187% | 1,415 |
| Net loans and leases to total assets | 64.8582% | 1,600 |
| Net loans and leases to deposits | 72.9134% | 1,819 |
| Net loans and leases to core deposits | 76.5882% | 1,870 |
| Total domestic deposits to total assets | 88.9523% | 1,538 |
| Equity capital to assets | 10.7476% | 1,978 |
| Core capital (leverage) ratio | 10.2952% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7731% | 1,320 |
| Memoranda: | ||
| Average total assets | $81,390,800 | 4,194 |
| Average earning assets | $76,075,400 | 4,186 |
| Average equity | $8,583,600 | 4,280 |
| Average total loans | $53,567,600 | 3,938 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 1,089 |
| Cost of funding earning assets | 0.1543% | 4,073 |
| Net interest margin | 4.0595% | 702 |
| Noninterest income to average assets | 0.3177% | 3,528 |
| Noninterest expense to average assets | 2.9413% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8549% | 3,376 |
| Return on assets (ROA) | 0.8549% | 3,438 |
| Pretax return on assets | 1.1677% | 3,028 |
| Return on Equity (ROE) | 8.1449% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.9320% | 3,599 |
| Net charge-offs to loans | 0.0846% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 20.9706% | 1,714 |
| Efficiency ratio | 71.1837% | 1,474 |
| Assets per employee ($millions) | 3.9481% | 4,474 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,153 |
| Loan loss allowance to noncurrent loans | 190.9589% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 1,647 |
| Noncurrent loans to loans | 0.7157% | 1,555 |
| Net loans and leases to total assets | 63.7079% | 1,807 |
| Net loans and leases to deposits | 72.0619% | 2,047 |
| Net loans and leases to core deposits | 75.1887% | 2,123 |
| Total domestic deposits to total assets | 88.4071% | 1,616 |
| Equity capital to assets | 10.9990% | 2,021 |
| Core capital (leverage) ratio | 10.2844% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4278% | 1,262 |
| Memoranda: | ||
| Average total assets | $81,413,000 | 4,245 |
| Average earning assets | $76,033,500 | 4,236 |
| Average equity | $8,545,000 | 4,347 |
| Average total loans | $53,602,500 | 3,988 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 1,473 |
| Cost of funding earning assets | 0.1610% | 4,111 |
| Net interest margin | 3.8778% | 1,013 |
| Noninterest income to average assets | 0.2578% | 3,847 |
| Noninterest expense to average assets | 2.7873% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8075% | 3,487 |
| Return on assets (ROA) | 0.8075% | 3,560 |
| Pretax return on assets | 1.1018% | 3,210 |
| Return on Equity (ROE) | 7.8133% | 3,450 |
| Retained earnings to average equity (ytd only) | 1.4591% | 4,247 |
| Net charge-offs to loans | 0.1248% | 626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 13.3235% | 1,698 |
| Efficiency ratio | 71.2320% | 1,502 |
| Assets per employee ($millions) | 5.1863% | 3,471 |
| Cash dividends to net income (ytd only)* | 81.3253% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,463 |
| Loan loss allowance to noncurrent loans | 200.8646% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,938 |
| Noncurrent loans to loans | 0.6448% | 1,803 |
| Net loans and leases to total assets | 64.0159% | 1,948 |
| Net loans and leases to deposits | 77.1043% | 1,719 |
| Net loans and leases to core deposits | 80.1887% | 1,872 |
| Total domestic deposits to total assets | 83.0250% | 3,702 |
| Equity capital to assets | 10.2999% | 2,576 |
| Core capital (leverage) ratio | 10.4674% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0242% | 1,116 |
| Memoranda: | ||
| Average total assets | $82,230,000 | 4,262 |
| Average earning assets | $77,003,333 | 4,246 |
| Average equity | $8,498,333 | 4,371 |
| Average total loans | $54,469,333 | 3,999 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 996 |
| Cost of funding earning assets | 0.1720% | 4,144 |
| Net interest margin | 4.1601% | 650 |
| Noninterest income to average assets | 0.1661% | 4,368 |
| Noninterest expense to average assets | 2.6437% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0409% | 2,666 |
| Return on assets (ROA) | 1.0409% | 2,749 |
| Pretax return on assets | 1.4220% | 2,221 |
| Return on Equity (ROE) | 10.0543% | 2,673 |
| Retained earnings to average equity (ytd only) | -2.6906% | 4,585 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6635% | 2,388 |
| Assets per employee ($millions) | 5.1364% | 3,498 |
| Cash dividends to net income (ytd only)* | 126.7606% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,101 |
| Loan loss allowance to noncurrent loans | 99.3207% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8956% | 966 |
| Noncurrent loans to loans | 1.3799% | 918 |
| Net loans and leases to total assets | 64.0128% | 2,039 |
| Net loans and leases to deposits | 78.3297% | 1,686 |
| Net loans and leases to core deposits | 81.8608% | 1,850 |
| Total domestic deposits to total assets | 81.7223% | 3,951 |
| Equity capital to assets | 10.2662% | 2,463 |
| Core capital (leverage) ratio | 10.5494% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4167% | 1,005 |
| Memoranda: | ||
| Average total assets | $81,854,500 | 4,282 |
| Average earning assets | $76,728,500 | 4,270 |
| Average equity | $8,474,000 | 4,391 |
| Average total loans | $54,795,000 | 4,012 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 1,201 |
| Cost of funding earning assets | 0.2979% | 4,157 |
| Net interest margin | 4.2468% | 568 |
| Noninterest income to average assets | 0.1234% | 4,658 |
| Noninterest expense to average assets | 2.8610% | 1,784 |
| Loan and lease loss provision to assets | 0.1386% | 2,627 |
| Net operating income to assets | 0.7735% | 3,194 |
| Return on assets (ROA) | 0.7735% | 3,316 |
| Pretax return on assets | 1.0756% | 2,792 |
| Return on Equity (ROE) | 6.7087% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.4625% | 3,099 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5918% | 2,005 |
| Assets per employee ($millions) | 5.0954% | 3,287 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,413 |
| Loan loss allowance to noncurrent loans | 235.8065% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 2,460 |
| Noncurrent loans to loans | 0.5511% | 2,334 |
| Net loans and leases to total assets | 68.1014% | 1,815 |
| Net loans and leases to deposits | 89.3511% | 975 |
| Net loans and leases to core deposits | 92.8507% | 1,316 |
| Total domestic deposits to total assets | 76.2177% | 4,497 |
| Equity capital to assets | 10.4395% | 2,726 |
| Core capital (leverage) ratio | 10.6773% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0235% | 899 |
| Memoranda: | ||
| Average total assets | $72,142,600 | 4,353 |
| Average earning assets | $67,133,600 | 4,336 |
| Average equity | $8,317,600 | 4,387 |
| Average total loans | $51,294,000 | 4,090 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,512 |
| Cost of funding earning assets | 0.3270% | 4,174 |
| Net interest margin | 4.1979% | 736 |
| Noninterest income to average assets | 0.1032% | 4,752 |
| Noninterest expense to average assets | 2.7833% | 2,014 |
| Loan and lease loss provision to assets | 0.1906% | 2,083 |
| Net operating income to assets | 0.7507% | 3,284 |
| Return on assets (ROA) | 0.7507% | 3,389 |
| Pretax return on assets | 1.0277% | 2,968 |
| Return on Equity (ROE) | 6.3366% | 3,433 |
| Retained earnings to average equity (ytd only) | 1.9832% | 3,939 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8783% | 2,063 |
| Assets per employee ($millions) | 6.1585% | 2,126 |
| Cash dividends to net income (ytd only)* | 68.7023% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,339 |
| Loan loss allowance to noncurrent loans | 227.0186% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 2,656 |
| Noncurrent loans to loans | 0.5563% | 2,402 |
| Net loans and leases to total assets | 66.2812% | 2,484 |
| Net loans and leases to deposits | 89.7818% | 1,289 |
| Net loans and leases to core deposits | 92.8269% | 1,723 |
| Total domestic deposits to total assets | 73.8248% | 4,578 |
| Equity capital to assets | 9.6846% | 3,532 |
| Core capital (leverage) ratio | 10.8097% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3015% | 869 |
| Memoranda: | ||
| Average total assets | $69,796,500 | 4,397 |
| Average earning assets | $64,824,250 | 4,390 |
| Average equity | $8,269,250 | 4,412 |
| Average total loans | $50,054,500 | 4,132 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2882% | 101 |
| Cost of funding earning assets | 0.3770% | 4,139 |
| Net interest margin | 5.9112% | 70 |
| Noninterest income to average assets | 0.1276% | 4,666 |
| Noninterest expense to average assets | 3.0553% | 1,447 |
| Loan and lease loss provision to assets | 0.3111% | 1,385 |
| Net operating income to assets | 1.6272% | 719 |
| Return on assets (ROA) | 1.6272% | 788 |
| Pretax return on assets | 2.2246% | 352 |
| Return on Equity (ROE) | 12.5214% | 1,211 |
| Retained earnings to average equity (ytd only) | 6.0572% | 2,053 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1458% | 4,164 |
| Assets per employee ($millions) | 6.4471% | 1,831 |
| Cash dividends to net income (ytd only)* | 51.6252% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,070 |
| Loan loss allowance to noncurrent loans | 222.8659% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,608 |
| Noncurrent loans to loans | 0.5772% | 2,419 |
| Net loans and leases to total assets | 72.5121% | 1,624 |
| Net loans and leases to deposits | 101.3917% | 472 |
| Net loans and leases to core deposits | 104.7033% | 959 |
| Total domestic deposits to total assets | 71.5168% | 4,731 |
| Equity capital to assets | 10.9649% | 2,376 |
| Core capital (leverage) ratio | 12.1282% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2264% | 746 |
| Memoranda: | ||
| Average total assets | $64,282,000 | 4,478 |
| Average earning assets | $59,412,667 | 4,474 |
| Average equity | $8,353,667 | 4,426 |
| Average total loans | $47,446,667 | 4,187 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 861 |
| Cost of funding earning assets | 0.4458% | 4,170 |
| Net interest margin | 4.6166% | 394 |
| Noninterest income to average assets | 0.2009% | 4,351 |
| Noninterest expense to average assets | 3.1936% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8867% | 2,563 |
| Return on assets (ROA) | 0.8867% | 2,662 |
| Pretax return on assets | 1.2400% | 2,067 |
| Return on Equity (ROE) | 6.1769% | 3,249 |
| Retained earnings to average equity (ytd only) | 6.1769% | 1,809 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2500% | 2,185 |
| Assets per employee ($millions) | 4.4439% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,448 |
| Loan loss allowance to noncurrent loans | 186.1357% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 2,244 |
| Noncurrent loans to loans | 0.7896% | 2,037 |
| Net loans and leases to total assets | 73.2236% | 1,744 |
| Net loans and leases to deposits | 85.9046% | 2,016 |
| Net loans and leases to core deposits | 89.0568% | 2,439 |
| Total domestic deposits to total assets | 85.2383% | 2,315 |
| Equity capital to assets | 14.4605% | 907 |
| Core capital (leverage) ratio | 13.0310% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9657% | 870 |
| Memoranda: | ||
| Average total assets | $57,740,500 | 4,583 |
| Average earning assets | $52,939,500 | 4,585 |
| Average equity | $8,289,000 | 4,457 |
| Average total loans | $42,755,000 | 4,309 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 654 |
| Cost of funding earning assets | 0.4105% | 4,410 |
| Net interest margin | 5.0026% | 268 |
| Noninterest income to average assets | 0.4118% | 3,222 |
| Noninterest expense to average assets | 3.2649% | 1,373 |
| Loan and lease loss provision to assets | 0.4063% | 353 |
| Net operating income to assets | 0.9663% | 2,965 |
| Return on assets (ROA) | 0.9663% | 3,052 |
| Pretax return on assets | 1.3122% | 2,471 |
| Return on Equity (ROE) | 6.6132% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.6237% | 2,086 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6346% | 2,983 |
| Assets per employee ($millions) | 4.1221% | 3,737 |
| Cash dividends to net income (ytd only)* | 14.9621% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,278 |
| Loan loss allowance to noncurrent loans | 362.6437% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 3,226 |
| Noncurrent loans to loans | 0.4087% | 2,975 |
| Net loans and leases to total assets | 72.6841% | 1,974 |
| Net loans and leases to deposits | 84.9075% | 2,221 |
| Net loans and leases to core deposits | 88.0017% | 2,605 |
| Total domestic deposits to total assets | 85.6039% | 2,235 |
| Equity capital to assets | 14.2506% | 1,017 |
| Core capital (leverage) ratio | 12.8141% | 1,325 |
| Tier 1 risk-based capital ratio | 18.4454% | 1,649 |
| Total risk-based capital ratio | 19.6999% | 1,617 |
| Memoranda: | ||
| Average total assets | $54,641,600 | 4,672 |
| Average earning assets | $49,934,000 | 4,673 |
| Average equity | $7,984,000 | 4,510 |
| Average total loans | $39,861,000 | 4,403 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 677 |
| Cost of funding earning assets | 0.3961% | 4,518 |
| Net interest margin | 5.0192% | 280 |
| Noninterest income to average assets | 0.4672% | 2,914 |
| Noninterest expense to average assets | 3.2188% | 1,425 |
| Loan and lease loss provision to assets | 0.4326% | 299 |
| Net operating income to assets | 1.0235% | 2,895 |
| Return on assets (ROA) | 1.0235% | 2,969 |
| Pretax return on assets | 1.3894% | 2,349 |
| Return on Equity (ROE) | 6.9330% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.6101% | 2,565 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9720% | 3,168 |
| Assets per employee ($millions) | 4.1294% | 3,715 |
| Cash dividends to net income (ytd only)* | 19.0819% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,344 |
| Loan loss allowance to noncurrent loans | 186.5815% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,386 |
| Noncurrent loans to loans | 0.7856% | 2,005 |
| Net loans and leases to total assets | 67.9046% | 2,800 |
| Net loans and leases to deposits | 79.2222% | 2,987 |
| Net loans and leases to core deposits | 82.0881% | 3,240 |
| Total domestic deposits to total assets | 85.7140% | 2,116 |
| Equity capital to assets | 14.0265% | 1,138 |
| Core capital (leverage) ratio | 13.1078% | 1,304 |
| Tier 1 risk-based capital ratio | 19.8052% | 1,398 |
| Total risk-based capital ratio | 21.0587% | 1,362 |
| Memoranda: | ||
| Average total assets | $53,932,000 | 4,750 |
| Average earning assets | $49,143,750 | 4,755 |
| Average equity | $7,961,750 | 4,564 |
| Average total loans | $39,171,000 | 4,478 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 660 |
| Cost of funding earning assets | 0.3704% | 4,618 |
| Net interest margin | 5.0448% | 262 |
| Noninterest income to average assets | 0.5585% | 2,349 |
| Noninterest expense to average assets | 3.2600% | 1,360 |
| Loan and lease loss provision to assets | 0.5129% | 224 |
| Net operating income to assets | 1.0259% | 2,820 |
| Return on assets (ROA) | 1.0259% | 2,903 |
| Pretax return on assets | 1.3906% | 2,235 |
| Return on Equity (ROE) | 6.8245% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.8277% | 2,850 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2517% | 3,389 |
| Assets per employee ($millions) | 3.8608% | 4,048 |
| Cash dividends to net income (ytd only)* | 29.2593% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,768 |
| Loan loss allowance to noncurrent loans | 115.0106% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 1,604 |
| Noncurrent loans to loans | 1.1843% | 1,356 |
| Net loans and leases to total assets | 72.8867% | 2,084 |
| Net loans and leases to deposits | 85.7441% | 2,285 |
| Net loans and leases to core deposits | 89.0869% | 2,685 |
| Total domestic deposits to total assets | 85.0049% | 2,480 |
| Equity capital to assets | 14.7213% | 883 |
| Core capital (leverage) ratio | 13.4749% | 1,128 |
| Tier 1 risk-based capital ratio | 19.7253% | 1,400 |
| Total risk-based capital ratio | 20.9778% | 1,367 |
| Memoranda: | ||
| Average total assets | $52,638,670 | 4,809 |
| Average earning assets | $48,049,670 | 4,806 |
| Average equity | $7,912,670 | 4,592 |
| Average total loans | $38,947,670 | 4,520 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 890 |
| Cost of funding earning assets | 0.3209% | 4,775 |
| Net interest margin | 4.8900% | 343 |
| Noninterest income to average assets | 0.5931% | 2,077 |
| Noninterest expense to average assets | 3.3274% | 1,232 |
| Loan and lease loss provision to assets | 0.4852% | 222 |
| Net operating income to assets | 0.9166% | 3,174 |
| Return on assets (ROA) | 0.9166% | 3,212 |
| Pretax return on assets | 1.2401% | 2,661 |
| Return on Equity (ROE) | 6.0326% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.0326% | 2,443 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9390% | 3,093 |
| Assets per employee ($millions) | 3.9323% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,418 |
| Loan loss allowance to noncurrent loans | 109.5128% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 1,311 |
| Noncurrent loans to loans | 1.1248% | 1,484 |
| Net loans and leases to total assets | 74.0317% | 1,794 |
| Net loans and leases to deposits | 88.0198% | 1,870 |
| Net loans and leases to core deposits | 91.6788% | 2,329 |
| Total domestic deposits to total assets | 84.1080% | 3,012 |
| Equity capital to assets | 15.4108% | 667 |
| Core capital (leverage) ratio | 13.8450% | 989 |
| Tier 1 risk-based capital ratio | 20.2218% | 1,302 |
| Total risk-based capital ratio | 21.4736% | 1,267 |
| Memoranda: | ||
| Average total assets | $51,932,500 | 4,874 |
| Average earning assets | $47,362,000 | 4,871 |
| Average equity | $7,890,500 | 4,628 |
| Average total loans | $38,451,500 | 4,580 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0356% | 972 |
| Cost of funding earning assets | 0.2382% | 4,861 |
| Net interest margin | 4.7974% | 400 |
| Noninterest income to average assets | 0.2525% | 4,416 |
| Noninterest expense to average assets | 3.0222% | 2,000 |
| Loan and lease loss provision to assets | 0.4730% | 263 |
| Net operating income to assets | 0.8056% | 3,789 |
| Return on assets (ROA) | 0.8056% | 3,785 |
| Pretax return on assets | 1.0762% | 3,359 |
| Return on Equity (ROE) | 5.2225% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2225% | 2,650 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8400% | 3,057 |
| Assets per employee ($millions) | 4.0573% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,322 |
| Loan loss allowance to noncurrent loans | 75.6007% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2323% | 1,046 |
| Noncurrent loans to loans | 1.4021% | 1,112 |
| Net loans and leases to total assets | 72.3803% | 2,196 |
| Net loans and leases to deposits | 85.5334% | 2,342 |
| Net loans and leases to core deposits | 89.7691% | 2,591 |
| Total domestic deposits to total assets | 84.6222% | 2,789 |
| Equity capital to assets | 14.9834% | 714 |
| Core capital (leverage) ratio | 13.2273% | 1,170 |
| Tier 1 risk-based capital ratio | 19.3807% | 1,430 |
| Total risk-based capital ratio | 20.5688% | 1,409 |
| Memoranda: | ||
| Average total assets | $49,898,200 | 4,934 |
| Average earning assets | $44,920,600 | 4,957 |
| Average equity | $7,697,400 | 4,650 |
| Average total loans | $36,270,600 | 4,648 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 850 |
| Cost of funding earning assets | 0.2207% | 4,937 |
| Net interest margin | 4.8249% | 359 |
| Noninterest income to average assets | 0.2168% | 4,668 |
| Noninterest expense to average assets | 2.9980% | 2,018 |
| Loan and lease loss provision to assets | 0.4961% | 227 |
| Net operating income to assets | 0.7997% | 3,902 |
| Return on assets (ROA) | 0.7997% | 3,910 |
| Pretax return on assets | 1.0490% | 3,579 |
| Return on Equity (ROE) | 5.1441% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.1441% | 3,163 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6778% | 3,073 |
| Assets per employee ($millions) | 4.5068% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,151 |
| Loan loss allowance to noncurrent loans | 64.9635% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 1,014 |
| Noncurrent loans to loans | 1.4268% | 1,161 |
| Net loans and leases to total assets | 76.7544% | 1,545 |
| Net loans and leases to deposits | 91.6406% | 1,665 |
| Net loans and leases to core deposits | 95.3086% | 2,185 |
| Total domestic deposits to total assets | 83.7559% | 3,026 |
| Equity capital to assets | 15.7257% | 579 |
| Core capital (leverage) ratio | 13.5309% | 1,091 |
| Tier 1 risk-based capital ratio | 19.2072% | 1,492 |
| Total risk-based capital ratio | 20.2502% | 1,505 |
| Memoranda: | ||
| Average total assets | $49,186,500 | 5,008 |
| Average earning assets | $44,103,500 | 5,026 |
| Average equity | $7,646,000 | 4,705 |
| Average total loans | $35,691,750 | 4,718 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 1,197 |
| Cost of funding earning assets | 0.2007% | 5,028 |
| Net interest margin | 4.6195% | 528 |
| Noninterest income to average assets | 0.1875% | 4,890 |
| Noninterest expense to average assets | 2.9557% | 2,185 |
| Loan and lease loss provision to assets | 0.4199% | 286 |
| Net operating income to assets | 0.7298% | 4,106 |
| Return on assets (ROA) | 0.7298% | 4,106 |
| Pretax return on assets | 0.9418% | 3,835 |
| Return on Equity (ROE) | 4.7130% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.7130% | 3,230 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1388% | 2,792 |
| Assets per employee ($millions) | 4.5120% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,790 |
| Loan loss allowance to noncurrent loans | 71.1340% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 1,501 |
| Noncurrent loans to loans | 1.0801% | 1,631 |
| Net loans and leases to total assets | 71.8206% | 2,303 |
| Net loans and leases to deposits | 85.5579% | 2,369 |
| Net loans and leases to core deposits | 88.4099% | 2,686 |
| Total domestic deposits to total assets | 83.9438% | 3,088 |
| Equity capital to assets | 15.4678% | 598 |
| Core capital (leverage) ratio | 13.8193% | 955 |
| Tier 1 risk-based capital ratio | 19.9870% | 1,322 |
| Total risk-based capital ratio | 20.8445% | 1,368 |
| Memoranda: | ||
| Average total assets | $49,057,000 | 5,065 |
| Average earning assets | $43,857,330 | 5,091 |
| Average equity | $7,596,000 | 4,762 |
| Average total loans | $34,786,670 | 4,788 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 1,085 |
| Cost of funding earning assets | 0.1927% | 5,057 |
| Net interest margin | 4.6061% | 494 |
| Noninterest income to average assets | 0.1640% | 5,037 |
| Noninterest expense to average assets | 2.9445% | 2,212 |
| Loan and lease loss provision to assets | 0.2789% | 488 |
| Net operating income to assets | 0.8530% | 3,490 |
| Return on assets (ROA) | 0.8530% | 3,504 |
| Pretax return on assets | 1.0580% | 3,325 |
| Return on Equity (ROE) | 5.5059% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.5059% | 2,945 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4330% | 2,928 |
| Assets per employee ($millions) | 4.3627% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 5,181 |
| Loan loss allowance to noncurrent loans | 52.8061% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.8254% | 662 |
| Noncurrent loans to loans | 1.1383% | 1,609 |
| Net loans and leases to total assets | 71.3294% | 2,279 |
| Net loans and leases to deposits | 85.5561% | 2,222 |
| Net loans and leases to core deposits | 87.6168% | 2,665 |
| Total domestic deposits to total assets | 83.3715% | 3,555 |
| Equity capital to assets | 15.8429% | 511 |
| Core capital (leverage) ratio | 13.3888% | 1,042 |
| Tier 1 risk-based capital ratio | 20.1026% | 1,326 |
| Total risk-based capital ratio | 20.7578% | 1,406 |
| Memoranda: | ||
| Average total assets | $48,769,500 | 5,129 |
| Average earning assets | $43,594,000 | 5,151 |
| Average equity | $7,555,500 | 4,817 |
| Average total loans | $34,219,000 | 4,856 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 970 |
| Cost of funding earning assets | 0.1821% | 5,078 |
| Net interest margin | 4.6232% | 478 |
| Noninterest income to average assets | 0.1406% | 5,248 |
| Noninterest expense to average assets | 3.2858% | 1,406 |
| Loan and lease loss provision to assets | 0.2481% | 760 |
| Net operating income to assets | 0.4921% | 4,393 |
| Return on assets (ROA) | 0.4921% | 4,428 |
| Pretax return on assets | 0.7548% | 4,374 |
| Return on Equity (ROE) | 3.2265% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.2265% | 3,367 |
| Net charge-offs to loans | 0.0526% | 2,753 |
| Credit loss provision to net charge-offs | 705.8824% | 462 |
| Earnings coverage of net charge-offs (x) | 28.5294% | 1,600 |
| Efficiency ratio | 74.9759% | 1,764 |
| Assets per employee ($millions) | 4.9549% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 5,375 |
| Loan loss allowance to noncurrent loans | 30.4042% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 621 |
| Noncurrent loans to loans | 1.6735% | 983 |
| Net loans and leases to total assets | 68.2698% | 2,782 |
| Net loans and leases to deposits | 81.0907% | 2,807 |
| Net loans and leases to core deposits | 83.7364% | 3,078 |
| Total domestic deposits to total assets | 84.1894% | 3,129 |
| Equity capital to assets | 15.1527% | 649 |
| Core capital (leverage) ratio | 12.9214% | 1,171 |
| Tier 1 risk-based capital ratio | 20.4502% | 1,237 |
| Total risk-based capital ratio | 21.0155% | 1,333 |
| Memoranda: | ||
| Average total assets | $48,360,200 | 5,187 |
| Average earning assets | $43,390,200 | 5,199 |
| Average equity | $7,376,400 | 4,884 |
| Average total loans | $32,293,200 | 4,960 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 917 |
| Cost of funding earning assets | 0.1854% | 5,090 |
| Net interest margin | 4.6198% | 470 |
| Noninterest income to average assets | 0.1359% | 5,327 |
| Noninterest expense to average assets | 3.3206% | 1,297 |
| Loan and lease loss provision to assets | 0.2358% | 758 |
| Net operating income to assets | 0.4466% | 4,889 |
| Return on assets (ROA) | 0.4466% | 4,918 |
| Pretax return on assets | 0.7268% | 4,538 |
| Return on Equity (ROE) | 2.9231% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.9231% | 4,165 |
| Net charge-offs to loans | 0.0711% | 2,109 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 20.4085% | 1,955 |
| Efficiency ratio | 75.8420% | 1,613 |
| Assets per employee ($millions) | 5.4592% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4322% | 5,533 |
| Loan loss allowance to noncurrent loans | 21.5504% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.5075% | 429 |
| Noncurrent loans to loans | 2.0055% | 850 |
| Net loans and leases to total assets | 65.1762% | 3,219 |
| Net loans and leases to deposits | 77.5676% | 3,216 |
| Net loans and leases to core deposits | 81.0360% | 3,368 |
| Total domestic deposits to total assets | 84.0250% | 3,114 |
| Equity capital to assets | 15.1385% | 705 |
| Core capital (leverage) ratio | 13.1856% | 1,132 |
| Tier 1 risk-based capital ratio | 21.9357% | 1,050 |
| Total risk-based capital ratio | 22.4254% | 1,150 |
| Memoranda: | ||
| Average total assets | $48,063,000 | 5,250 |
| Average earning assets | $43,146,750 | 5,263 |
| Average equity | $7,343,500 | 4,937 |
| Average total loans | $31,866,500 | 5,019 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 769 |
| Cost of funding earning assets | 0.1821% | 5,121 |
| Net interest margin | 4.6703% | 418 |
| Noninterest income to average assets | 0.1258% | 5,421 |
| Noninterest expense to average assets | 3.5509% | 935 |
| Loan and lease loss provision to assets | 0.2683% | 600 |
| Net operating income to assets | 0.3060% | 5,208 |
| Return on assets (ROA) | 0.3060% | 5,228 |
| Pretax return on assets | 0.4989% | 5,006 |
| Return on Equity (ROE) | 1.9967% | 5,347 |
| Retained earnings to average equity (ytd only) | 1.9967% | 4,456 |
| Net charge-offs to loans | 0.1070% | 1,560 |
| Credit loss provision to net charge-offs | 376.4706% | 822 |
| Earnings coverage of net charge-offs (x) | 10.7647% | 2,324 |
| Efficiency ratio | 80.5825% | 1,149 |
| Assets per employee ($millions) | 4.7232% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3583% | 5,634 |
| Loan loss allowance to noncurrent loans | 12.0993% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 335 |
| Noncurrent loans to loans | 2.9612% | 442 |
| Net loans and leases to total assets | 68.8919% | 2,682 |
| Net loans and leases to deposits | 82.4628% | 2,656 |
| Net loans and leases to core deposits | 85.8707% | 2,891 |
| Total domestic deposits to total assets | 83.5429% | 3,387 |
| Equity capital to assets | 15.5636% | 600 |
| Core capital (leverage) ratio | 13.2432% | 1,080 |
| Tier 1 risk-based capital ratio | 20.4832% | 1,274 |
| Total risk-based capital ratio | 20.8741% | 1,404 |
| Memoranda: | ||
| Average total assets | $47,706,330 | 5,297 |
| Average earning assets | $42,824,000 | 5,314 |
| Average equity | $7,312,000 | 4,965 |
| Average total loans | $31,768,000 | 5,054 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 956 |
| Cost of funding earning assets | 0.1850% | 5,113 |
| Net interest margin | 4.5056% | 519 |
| Noninterest income to average assets | 0.1251% | 5,494 |
| Noninterest expense to average assets | 3.4791% | 1,072 |
| Loan and lease loss provision to assets | 0.3170% | 398 |
| Net operating income to assets | 0.2420% | 5,320 |
| Return on assets (ROA) | 0.2420% | 5,335 |
| Pretax return on assets | 0.3921% | 5,169 |
| Return on Equity (ROE) | 1.5907% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.5907% | 4,467 |
| Net charge-offs to loans | 0.2171% | 817 |
| Credit loss provision to net charge-offs | 223.5294% | 944 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,325 |
| Efficiency ratio | 81.2749% | 1,222 |
| Assets per employee ($millions) | 4.8165% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2865% | 5,747 |
| Loan loss allowance to noncurrent loans | 7.2568% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 3.4403% | 251 |
| Noncurrent loans to loans | 3.9481% | 268 |
| Net loans and leases to total assets | 65.7552% | 3,010 |
| Net loans and leases to deposits | 78.2000% | 2,946 |
| Net loans and leases to core deposits | 81.5800% | 3,134 |
| Total domestic deposits to total assets | 84.0860% | 3,446 |
| Equity capital to assets | 15.1708% | 624 |
| Core capital (leverage) ratio | 13.4518% | 989 |
| Tier 1 risk-based capital ratio | 21.2274% | 1,190 |
| Total risk-based capital ratio | 21.5407% | 1,304 |
| Memoranda: | ||
| Average total assets | $47,943,500 | 5,354 |
| Average earning assets | $43,235,000 | 5,366 |
| Average equity | $7,292,500 | 5,004 |
| Average total loans | $31,324,000 | 5,113 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4925% | 5,759 |
| Cost of funding earning assets | 0.1041% | 5,685 |
| Net interest margin | 2.3885% | 5,651 |
| Noninterest income to average assets | 0.0636% | 5,742 |
| Noninterest expense to average assets | 1.7175% | 5,549 |
| Loan and lease loss provision to assets | 0.1649% | 1,492 |
| Net operating income to assets | 0.2167% | 5,389 |
| Return on assets (ROA) | 0.2167% | 5,449 |
| Pretax return on assets | 0.3440% | 5,310 |
| Return on Equity (ROE) | 1.6615% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.6615% | 4,586 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1429% | 1,822 |
| Assets per employee ($millions) | 5.3024% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2266% | 5,827 |
| Loan loss allowance to noncurrent loans | 6.7895% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 3.0049% | 337 |
| Noncurrent loans to loans | 3.3381% | 370 |
| Net loans and leases to total assets | 64.5740% | 3,278 |
| Net loans and leases to deposits | 76.7331% | 3,235 |
| Net loans and leases to core deposits | 80.0748% | 3,391 |
| Total domestic deposits to total assets | 84.1541% | 3,371 |
| Equity capital to assets | 15.2508% | 606 |
| Core capital (leverage) ratio | 13.4755% | 981 |
| Tier 1 risk-based capital ratio | 20.2394% | 1,333 |
| Total risk-based capital ratio | 20.4715% | 1,503 |
| Memoranda: | ||
| Average total assets | $42,446,400 | 5,501 |
| Average earning assets | $38,434,600 | 5,499 |
| Average equity | $5,537,200 | 5,360 |
| Average total loans | $28,822,000 | 5,232 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6552% | 5,932 |
| Cost of funding earning assets | 0.0715% | 5,867 |
| Net interest margin | 1.5837% | 5,916 |
| Noninterest income to average assets | 0.0551% | 5,825 |
| Noninterest expense to average assets | 1.0860% | 5,911 |
| Loan and lease loss provision to assets | 0.0746% | 2,731 |
| Net operating income to assets | 0.1913% | 5,479 |
| Return on assets (ROA) | 0.1913% | 5,543 |
| Pretax return on assets | 0.3307% | 5,412 |
| Return on Equity (ROE) | 1.5417% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.5417% | 4,898 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8261% | 2,459 |
| Assets per employee ($millions) | 5.0208% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0784% | 5,917 |
| Loan loss allowance to noncurrent loans | 4.9569% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9187% | 834 |
| Noncurrent loans to loans | 1.5811% | 1,369 |
| Net loans and leases to total assets | 64.8948% | 3,285 |
| Net loans and leases to deposits | 77.7371% | 3,214 |
| Net loans and leases to core deposits | 80.4543% | 3,402 |
| Total domestic deposits to total assets | 83.4798% | 3,404 |
| Equity capital to assets | 16.0489% | 549 |
| Core capital (leverage) ratio | 14.2327% | 786 |
| Tier 1 risk-based capital ratio | 21.0552% | 1,258 |
| Total risk-based capital ratio | 21.1351% | 1,433 |
| Memoranda: | ||
| Average total assets | $41,127,500 | 5,574 |
| Average earning assets | $37,295,000 | 5,579 |
| Average equity | $5,102,000 | 5,507 |
| Average total loans | $28,306,000 | 5,300 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 852 |
| Cost of funding earning assets | 0.2156% | 4,987 |
| Net interest margin | 4.6056% | 503 |
| Noninterest income to average assets | -0.2162% | 6,041 |
| Noninterest expense to average assets | 3.4847% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4878% | 4,730 |
| Return on assets (ROA) | 0.4878% | 4,830 |
| Pretax return on assets | 0.4878% | 5,157 |
| Return on Equity (ROE) | 4.4238% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.4238% | 3,098 |
| Net charge-offs to loans | 0.2289% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.0313% | 3,176 |
| Efficiency ratio | 87.7215% | 739 |
| Assets per employee ($millions) | 4.9438% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,792 |
| Loan loss allowance to noncurrent loans | 115.0273% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.3717% | 619 |
| Noncurrent loans to loans | 1.3198% | 1,708 |
| Net loans and leases to total assets | 69.0518% | 2,622 |
| Net loans and leases to deposits | 78.3082% | 3,120 |
| Net loans and leases to core deposits | 80.1491% | 3,451 |
| Total domestic deposits to total assets | 88.1795% | 1,335 |
| Equity capital to assets | 11.1808% | 2,867 |
| Core capital (leverage) ratio | 11.0818% | 2,347 |
| Tier 1 risk-based capital ratio | 17.3216% | 2,126 |
| Total risk-based capital ratio | 18.5765% | 2,087 |
| Memoranda: | ||
| Average total assets | $39,774,330 | 5,666 |
| Average earning assets | $36,173,670 | 5,659 |
| Average equity | $4,385,330 | 5,702 |
| Average total loans | $27,959,000 | 5,373 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 851 |
| Cost of funding earning assets | 0.2221% | 4,977 |
| Net interest margin | 4.5747% | 527 |
| Noninterest income to average assets | 0.1805% | 5,418 |
| Noninterest expense to average assets | 3.4598% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8524% | 2,985 |
| Return on assets (ROA) | 0.8524% | 3,110 |
| Pretax return on assets | 0.8524% | 4,026 |
| Return on Equity (ROE) | 7.7857% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.7857% | 1,548 |
| Net charge-offs to loans | 0.2137% | 945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,309 |
| Efficiency ratio | 80.2326% | 1,579 |
| Assets per employee ($millions) | 4.4500% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,776 |
| Loan loss allowance to noncurrent loans | 92.4051% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 3.0737% | 406 |
| Noncurrent loans to loans | 1.6809% | 1,348 |
| Net loans and leases to total assets | 69.3159% | 2,454 |
| Net loans and leases to deposits | 78.4874% | 2,954 |
| Net loans and leases to core deposits | 80.3014% | 3,293 |
| Total domestic deposits to total assets | 88.3146% | 1,461 |
| Equity capital to assets | 11.0137% | 2,920 |
| Core capital (leverage) ratio | 11.1364% | 2,273 |
| Tier 1 risk-based capital ratio | 17.2127% | 2,208 |
| Total risk-based capital ratio | 18.4676% | 2,177 |
| Memoranda: | ||
| Average total assets | $39,886,500 | 5,719 |
| Average earning assets | $36,024,000 | 5,717 |
| Average equity | $4,367,000 | 5,748 |
| Average total loans | $28,073,000 | 5,412 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 737 |
| Cost of funding earning assets | 0.2404% | 4,887 |
| Net interest margin | 4.6771% | 473 |
| Noninterest income to average assets | -0.1011% | 6,147 |
| Noninterest expense to average assets | 3.5323% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5967% | 4,282 |
| Return on assets (ROA) | 0.5967% | 4,392 |
| Pretax return on assets | 0.5967% | 4,847 |
| Return on Equity (ROE) | 5.5805% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.5805% | 2,030 |
| Net charge-offs to loans | 0.2261% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.7460% | 3,669 |
| Efficiency ratio | 85.5481% | 1,034 |
| Assets per employee ($millions) | 4.4137% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,551 |
| Loan loss allowance to noncurrent loans | 47.5289% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.5773% | 323 |
| Noncurrent loans to loans | 3.4029% | 423 |
| Net loans and leases to total assets | 69.2168% | 2,497 |
| Net loans and leases to deposits | 78.3423% | 3,012 |
| Net loans and leases to core deposits | 80.1650% | 3,325 |
| Total domestic deposits to total assets | 88.3518% | 1,447 |
| Equity capital to assets | 10.8829% | 2,958 |
| Core capital (leverage) ratio | 11.0064% | 2,400 |
| Tier 1 risk-based capital ratio | 17.4095% | 2,151 |
| Total risk-based capital ratio | 18.6669% | 2,104 |
| Memoranda: | ||
| Average total assets | $39,549,200 | 5,774 |
| Average earning assets | $35,770,000 | 5,768 |
| Average equity | $4,229,000 | 5,813 |
| Average total loans | $27,862,800 | 5,446 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 810 |
| Cost of funding earning assets | 0.2383% | 5,010 |
| Net interest margin | 4.6364% | 509 |
| Noninterest income to average assets | 0.1384% | 5,794 |
| Noninterest expense to average assets | 3.4965% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8438% | 3,198 |
| Return on assets (ROA) | 0.8438% | 3,286 |
| Pretax return on assets | 0.8438% | 4,195 |
| Return on Equity (ROE) | 7.9260% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,266 |
| Net charge-offs to loans | 0.2107% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.6814% | 3,171 |
| Efficiency ratio | 80.5599% | 1,571 |
| Assets per employee ($millions) | 3.9627% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,487 |
| Loan loss allowance to noncurrent loans | 48.8589% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 4.3607% | 256 |
| Noncurrent loans to loans | 3.4666% | 454 |
| Net loans and leases to total assets | 68.9858% | 2,541 |
| Net loans and leases to deposits | 78.1996% | 3,081 |
| Net loans and leases to core deposits | 80.7282% | 3,369 |
| Total domestic deposits to total assets | 88.2176% | 1,443 |
| Equity capital to assets | 10.9471% | 3,084 |
| Core capital (leverage) ratio | 11.0000% | 2,490 |
| Tier 1 risk-based capital ratio | 17.3213% | 2,248 |
| Total risk-based capital ratio | 18.5799% | 2,195 |
| Memoranda: | ||
| Average total assets | $39,505,750 | 5,848 |
| Average earning assets | $35,803,000 | 5,849 |
| Average equity | $4,205,500 | 5,899 |
| Average total loans | $27,841,750 | 5,513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 832 |
| Cost of funding earning assets | 0.2358% | 5,091 |
| Net interest margin | 4.5982% | 533 |
| Noninterest income to average assets | 0.1926% | 5,525 |
| Noninterest expense to average assets | 3.5423% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8007% | 3,382 |
| Return on assets (ROA) | 0.8007% | 3,474 |
| Pretax return on assets | 0.8007% | 4,308 |
| Return on Equity (ROE) | 7.5937% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.5937% | 1,428 |
| Net charge-offs to loans | 0.0431% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,489 |
| Efficiency ratio | 81.5636% | 1,546 |
| Assets per employee ($millions) | 3.9389% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 1,298 |
| Loan loss allowance to noncurrent loans | 37.5092% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 5.1537% | 204 |
| Noncurrent loans to loans | 4.8970% | 241 |
| Net loans and leases to total assets | 69.0599% | 2,475 |
| Net loans and leases to deposits | 77.8936% | 3,046 |
| Net loans and leases to core deposits | 81.0355% | 3,276 |
| Total domestic deposits to total assets | 88.6593% | 1,322 |
| Equity capital to assets | 10.7644% | 3,146 |
| Core capital (leverage) ratio | 10.7701% | 2,657 |
| Tier 1 risk-based capital ratio | 16.9714% | 2,413 |
| Total risk-based capital ratio | 18.2316% | 2,359 |
| Memoranda: | ||
| Average total assets | $39,465,330 | 5,911 |
| Average earning assets | $35,622,670 | 5,915 |
| Average equity | $4,161,330 | 5,965 |
| Average total loans | $27,853,000 | 5,562 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 827 |
| Cost of funding earning assets | 0.2253% | 5,267 |
| Net interest margin | 4.5952% | 502 |
| Noninterest income to average assets | 0.2025% | 5,503 |
| Noninterest expense to average assets | 3.5642% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7696% | 3,433 |
| Return on assets (ROA) | 0.7696% | 3,568 |
| Pretax return on assets | 0.7696% | 4,352 |
| Return on Equity (ROE) | 7.3751% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.3751% | 1,823 |
| Net charge-offs to loans | 0.5873% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.8537% | 2,860 |
| Efficiency ratio | 82.2430% | 1,587 |
| Assets per employee ($millions) | 4.0150% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 1,762 |
| Loan loss allowance to noncurrent loans | 40.9680% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 4.5604% | 294 |
| Noncurrent loans to loans | 4.1257% | 407 |
| Net loans and leases to total assets | 68.6675% | 2,339 |
| Net loans and leases to deposits | 77.3330% | 2,903 |
| Net loans and leases to core deposits | 80.3814% | 3,119 |
| Total domestic deposits to total assets | 88.7945% | 1,394 |
| Equity capital to assets | 10.3611% | 3,703 |
| Core capital (leverage) ratio | 10.6577% | 2,785 |
| Tier 1 risk-based capital ratio | 16.8183% | 2,548 |
| Total risk-based capital ratio | 18.0763% | 2,501 |
| Memoranda: | ||
| Average total assets | $39,503,500 | 5,967 |
| Average earning assets | $35,515,000 | 5,979 |
| Average equity | $4,122,000 | 6,026 |
| Average total loans | $27,924,000 | 5,600 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 627 |
| Cost of funding earning assets | 0.2884% | 4,917 |
| Net interest margin | 4.8149% | 424 |
| Noninterest income to average assets | 0.0053% | 6,381 |
| Noninterest expense to average assets | 3.9047% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4499% | 5,021 |
| Return on assets (ROA) | 0.4499% | 5,112 |
| Pretax return on assets | 0.4499% | 5,386 |
| Return on Equity (ROE) | 4.2952% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.2952% | 3,131 |
| Net charge-offs to loans | 0.1469% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.1707% | 3,716 |
| Efficiency ratio | 89.6677% | 864 |
| Assets per employee ($millions) | 3.5325% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 1,408 |
| Loan loss allowance to noncurrent loans | 46.0303% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 4.3905% | 359 |
| Noncurrent loans to loans | 4.0318% | 454 |
| Net loans and leases to total assets | 70.2267% | 2,200 |
| Net loans and leases to deposits | 79.3417% | 2,801 |
| Net loans and leases to core deposits | 82.5833% | 3,041 |
| Total domestic deposits to total assets | 88.5117% | 1,522 |
| Equity capital to assets | 10.5103% | 3,464 |
| Core capital (leverage) ratio | 10.5833% | 2,857 |
| Tier 1 risk-based capital ratio | 16.2560% | 2,830 |
| Total risk-based capital ratio | 17.5178% | 2,774 |
| Memoranda: | ||
| Average total assets | $38,005,800 | 6,083 |
| Average earning assets | $34,330,800 | 6,078 |
| Average equity | $3,981,200 | 6,093 |
| Average total loans | $27,919,400 | 5,655 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 693 |
| Cost of funding earning assets | 0.3004% | 4,883 |
| Net interest margin | 4.7642% | 453 |
| Noninterest income to average assets | 0.2258% | 5,582 |
| Noninterest expense to average assets | 4.2793% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2540% | 5,729 |
| Return on assets (ROA) | 0.2540% | 5,788 |
| Pretax return on assets | 0.2540% | 5,855 |
| Return on Equity (ROE) | 2.4270% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.4270% | 4,842 |
| Net charge-offs to loans | 0.1717% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,019 |
| Efficiency ratio | 94.3969% | 576 |
| Assets per employee ($millions) | 3.1586% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 1,542 |
| Loan loss allowance to noncurrent loans | 29.8969% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 5.4323% | 287 |
| Noncurrent loans to loans | 6.2335% | 218 |
| Net loans and leases to total assets | 72.5220% | 1,758 |
| Net loans and leases to deposits | 82.1346% | 2,407 |
| Net loans and leases to core deposits | 86.2612% | 2,638 |
| Total domestic deposits to total assets | 88.2964% | 1,607 |
| Equity capital to assets | 10.5031% | 3,553 |
| Core capital (leverage) ratio | 10.4657% | 3,084 |
| Tier 1 risk-based capital ratio | 15.4809% | 3,335 |
| Total risk-based capital ratio | 16.7250% | 3,277 |
| Memoranda: | ||
| Average total assets | $37,793,000 | 6,161 |
| Average earning assets | $34,171,000 | 6,156 |
| Average equity | $3,955,500 | 6,167 |
| Average total loans | $27,948,250 | 5,704 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 583 |
| Cost of funding earning assets | 0.3183% | 4,781 |
| Net interest margin | 4.8092% | 408 |
| Noninterest income to average assets | 0.2278% | 5,576 |
| Noninterest expense to average assets | 4.1582% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3920% | 5,255 |
| Return on assets (ROA) | 0.3920% | 5,322 |
| Pretax return on assets | 0.3920% | 5,591 |
| Return on Equity (ROE) | 3.7497% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.7497% | 3,802 |
| Net charge-offs to loans | 0.1790% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.9600% | 3,423 |
| Efficiency ratio | 91.3853% | 809 |
| Assets per employee ($millions) | 3.4591% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 1,503 |
| Loan loss allowance to noncurrent loans | 29.1827% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 6.3627% | 220 |
| Noncurrent loans to loans | 6.6221% | 202 |
| Net loans and leases to total assets | 70.9514% | 1,926 |
| Net loans and leases to deposits | 79.3376% | 2,605 |
| Net loans and leases to core deposits | 84.2577% | 2,714 |
| Total domestic deposits to total assets | 89.4297% | 1,137 |
| Equity capital to assets | 10.4888% | 3,454 |
| Core capital (leverage) ratio | 10.5145% | 2,931 |
| Tier 1 risk-based capital ratio | 14.5140% | 3,921 |
| Total risk-based capital ratio | 15.7627% | 3,863 |
| Memoranda: | ||
| Average total assets | $37,756,330 | 6,220 |
| Average earning assets | $33,934,670 | 6,228 |
| Average equity | $3,947,000 | 6,212 |
| Average total loans | $27,927,670 | 5,753 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 539 |
| Cost of funding earning assets | 0.3323% | 4,714 |
| Net interest margin | 4.8181% | 370 |
| Noninterest income to average assets | 0.1808% | 5,884 |
| Noninterest expense to average assets | 4.3287% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1702% | 5,880 |
| Return on assets (ROA) | 0.1702% | 5,924 |
| Pretax return on assets | 0.1702% | 5,975 |
| Return on Equity (ROE) | 1.6306% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.6306% | 4,960 |
| Net charge-offs to loans | 0.0569% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,587 |
| Efficiency ratio | 96.2175% | 629 |
| Assets per employee ($millions) | 3.1478% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 1,563 |
| Loan loss allowance to noncurrent loans | 39.7556% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 5.5781% | 335 |
| Noncurrent loans to loans | 4.9677% | 452 |
| Net loans and leases to total assets | 72.6657% | 1,468 |
| Net loans and leases to deposits | 81.4239% | 2,111 |
| Net loans and leases to core deposits | 86.5158% | 2,264 |
| Total domestic deposits to total assets | 89.2436% | 1,510 |
| Equity capital to assets | 10.4122% | 3,342 |
| Core capital (leverage) ratio | 10.4110% | 3,034 |
| Tier 1 risk-based capital ratio | 14.3499% | 4,099 |
| Total risk-based capital ratio | 15.6063% | 4,052 |
| Memoranda: | ||
| Average total assets | $37,609,500 | 6,293 |
| Average earning assets | $33,706,000 | 6,293 |
| Average equity | $3,925,000 | 6,262 |
| Average total loans | $28,127,000 | 5,792 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 484 |
| Cost of funding earning assets | 0.5086% | 3,520 |
| Net interest margin | 4.8375% | 401 |
| Noninterest income to average assets | 0.2394% | 5,637 |
| Noninterest expense to average assets | 4.0929% | 781 |
| Loan and lease loss provision to assets | 0.0781% | 3,548 |
| Net operating income to assets | 0.4736% | 4,850 |
| Return on assets (ROA) | 0.4736% | 4,993 |
| Pretax return on assets | 0.4736% | 5,285 |
| Return on Equity (ROE) | 4.7905% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.7905% | 2,739 |
| Net charge-offs to loans | 1.1924% | 448 |
| Credit loss provision to net charge-offs | 8.7209% | 4,599 |
| Earnings coverage of net charge-offs (x) | 0.6163% | 4,878 |
| Efficiency ratio | 88.1232% | 1,199 |
| Assets per employee ($millions) | 3.1205% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 1,620 |
| Loan loss allowance to noncurrent loans | 34.2769% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 6.4813% | 280 |
| Noncurrent loans to loans | 5.7516% | 374 |
| Net loans and leases to total assets | 73.9625% | 1,353 |
| Net loans and leases to deposits | 82.9892% | 2,056 |
| Net loans and leases to core deposits | 88.2263% | 2,226 |
| Total domestic deposits to total assets | 89.1230% | 1,535 |
| Equity capital to assets | 10.4604% | 3,215 |
| Core capital (leverage) ratio | 10.2895% | 3,159 |
| Tier 1 risk-based capital ratio | 14.3559% | 4,044 |
| Total risk-based capital ratio | 15.6180% | 3,982 |
| Memoranda: | ||
| Average total assets | $38,432,600 | 6,331 |
| Average earning assets | $34,997,400 | 6,318 |
| Average equity | $3,799,200 | 6,372 |
| Average total loans | $28,848,600 | 5,813 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 520 |
| Cost of funding earning assets | 0.5440% | 3,333 |
| Net interest margin | 4.7673% | 459 |
| Noninterest income to average assets | 0.2344% | 5,756 |
| Noninterest expense to average assets | 4.0227% | 836 |
| Loan and lease loss provision to assets | 0.1034% | 3,038 |
| Net operating income to assets | 0.4585% | 4,986 |
| Return on assets (ROA) | 0.4585% | 5,132 |
| Pretax return on assets | 0.4585% | 5,480 |
| Return on Equity (ROE) | 4.7040% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.7040% | 3,307 |
| Net charge-offs to loans | 1.1863% | 457 |
| Credit loss provision to net charge-offs | 11.6279% | 4,201 |
| Earnings coverage of net charge-offs (x) | 0.6318% | 4,641 |
| Efficiency ratio | 87.7444% | 1,195 |
| Assets per employee ($millions) | 3.1749% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,137 |
| Loan loss allowance to noncurrent loans | 27.7874% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 7.1078% | 278 |
| Noncurrent loans to loans | 8.3804% | 207 |
| Net loans and leases to total assets | 70.7866% | 1,818 |
| Net loans and leases to deposits | 79.3953% | 2,493 |
| Net loans and leases to core deposits | 84.3440% | 2,612 |
| Total domestic deposits to total assets | 89.1572% | 1,475 |
| Equity capital to assets | 10.1472% | 3,704 |
| Core capital (leverage) ratio | 10.0954% | 3,526 |
| Tier 1 risk-based capital ratio | 14.6554% | 3,978 |
| Total risk-based capital ratio | 15.9229% | 3,923 |
| Memoranda: | ||
| Average total assets | $38,679,250 | 6,397 |
| Average earning assets | $35,295,250 | 6,378 |
| Average equity | $3,769,750 | 6,452 |
| Average total loans | $28,997,500 | 5,866 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 414 |
| Cost of funding earning assets | 0.5738% | 3,178 |
| Net interest margin | 4.8664% | 389 |
| Noninterest income to average assets | 0.2315% | 5,789 |
| Noninterest expense to average assets | 4.0954% | 776 |
| Loan and lease loss provision to assets | 0.1544% | 2,385 |
| Net operating income to assets | 0.4322% | 5,096 |
| Return on assets (ROA) | 0.4322% | 5,252 |
| Pretax return on assets | 0.4322% | 5,571 |
| Return on Equity (ROE) | 4.4948% | 5,004 |
| Retained earnings to average equity (ytd only) | 4.4948% | 3,407 |
| Net charge-offs to loans | 1.5886% | 322 |
| Credit loss provision to net charge-offs | 12.8205% | 3,858 |
| Earnings coverage of net charge-offs (x) | 0.4872% | 4,372 |
| Efficiency ratio | 87.4725% | 1,282 |
| Assets per employee ($millions) | 3.1743% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3378% | 1,196 |
| Loan loss allowance to noncurrent loans | 27.9849% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 7.6000% | 291 |
| Noncurrent loans to loans | 8.3537% | 231 |
| Net loans and leases to total assets | 73.2595% | 1,359 |
| Net loans and leases to deposits | 82.2822% | 2,024 |
| Net loans and leases to core deposits | 87.3263% | 2,193 |
| Total domestic deposits to total assets | 89.0344% | 1,616 |
| Equity capital to assets | 10.0231% | 3,885 |
| Core capital (leverage) ratio | 9.8798% | 3,671 |
| Tier 1 risk-based capital ratio | 14.2117% | 4,279 |
| Total risk-based capital ratio | 15.4749% | 4,229 |
| Memoranda: | ||
| Average total assets | $38,872,670 | 6,439 |
| Average earning assets | $35,549,670 | 6,419 |
| Average equity | $3,737,670 | 6,508 |
| Average total loans | $29,459,330 | 5,870 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 345 |
| Cost of funding earning assets | 0.6258% | 2,872 |
| Net interest margin | 4.9172% | 328 |
| Noninterest income to average assets | 0.2241% | 5,872 |
| Noninterest expense to average assets | 4.0140% | 870 |
| Loan and lease loss provision to assets | 0.3056% | 1,122 |
| Net operating income to assets | 0.3871% | 5,175 |
| Return on assets (ROA) | 0.3871% | 5,321 |
| Pretax return on assets | 0.3871% | 5,606 |
| Return on Equity (ROE) | 4.1109% | 5,035 |
| Retained earnings to average equity (ytd only) | 4.1109% | 3,751 |
| Net charge-offs to loans | 0.8160% | 741 |
| Credit loss provision to net charge-offs | 49.1803% | 2,614 |
| Earnings coverage of net charge-offs (x) | 1.1148% | 3,464 |
| Efficiency ratio | 85.2814% | 1,610 |
| Assets per employee ($millions) | 3.5602% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8598% | 767 |
| Loan loss allowance to noncurrent loans | 35.7751% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 7.3873% | 365 |
| Noncurrent loans to loans | 7.9937% | 330 |
| Net loans and leases to total assets | 72.8589% | 1,225 |
| Net loans and leases to deposits | 81.1981% | 1,935 |
| Net loans and leases to core deposits | 86.0776% | 2,096 |
| Total domestic deposits to total assets | 89.7298% | 1,204 |
| Equity capital to assets | 9.4939% | 4,857 |
| Core capital (leverage) ratio | 9.5324% | 4,025 |
| Tier 1 risk-based capital ratio | 13.5340% | 4,846 |
| Total risk-based capital ratio | 14.8058% | 4,789 |
| Memoranda: | ||
| Average total assets | $39,263,000 | 6,485 |
| Average earning assets | $35,793,000 | 6,473 |
| Average equity | $3,697,500 | 6,588 |
| Average total loans | $29,902,000 | 5,898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1864% | 197 |
| Cost of funding earning assets | 0.9436% | 1,678 |
| Net interest margin | 5.2428% | 249 |
| Noninterest income to average assets | 0.2366% | 5,758 |
| Noninterest expense to average assets | 3.9979% | 979 |
| Loan and lease loss provision to assets | 1.2074% | 299 |
| Net operating income to assets | -0.1439% | 6,335 |
| Return on assets (ROA) | -0.1439% | 6,416 |
| Pretax return on assets | -0.1439% | 6,392 |
| Return on Equity (ROE) | -1.5567% | 6,427 |
| Retained earnings to average equity (ytd only) | -1.5567% | 6,098 |
| Net charge-offs to loans | 3.0227% | 164 |
| Credit loss provision to net charge-offs | 49.5495% | 4,715 |
| Earnings coverage of net charge-offs (x) | 0.4364% | 5,269 |
| Efficiency ratio | 78.9880% | 2,275 |
| Assets per employee ($millions) | 3.5785% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8622% | 772 |
| Loan loss allowance to noncurrent loans | 44.8738% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 5.7133% | 639 |
| Noncurrent loans to loans | 6.3784% | 535 |
| Net loans and leases to total assets | 75.0940% | 1,032 |
| Net loans and leases to deposits | 83.5784% | 1,802 |
| Net loans and leases to core deposits | 88.5534% | 2,028 |
| Total domestic deposits to total assets | 89.8486% | 1,041 |
| Equity capital to assets | 9.3410% | 5,095 |
| Core capital (leverage) ratio | 9.0392% | 4,833 |
| Tier 1 risk-based capital ratio | 13.5128% | 4,744 |
| Total risk-based capital ratio | 14.7891% | 4,674 |
| Memoranda: | ||
| Average total assets | $40,996,800 | 6,471 |
| Average earning assets | $37,728,000 | 6,443 |
| Average equity | $3,790,000 | 6,613 |
| Average total loans | $33,049,400 | 5,800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3445% | 168 |
| Cost of funding earning assets | 1.0073% | 1,515 |
| Net interest margin | 5.3372% | 226 |
| Noninterest income to average assets | 0.2415% | 5,823 |
| Noninterest expense to average assets | 4.0381% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1174% | 2,035 |
| Return on assets (ROA) | 1.1174% | 2,228 |
| Pretax return on assets | 1.1174% | 3,288 |
| Return on Equity (ROE) | 12.1171% | 1,596 |
| Retained earnings to average equity (ytd only) | 12.1171% | 511 |
| Net charge-offs to loans | 2.3498% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5842% | 5,025 |
| Efficiency ratio | 78.3260% | 2,351 |
| Assets per employee ($millions) | 3.7249% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4565% | 1,260 |
| Loan loss allowance to noncurrent loans | 45.8651% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 5.0276% | 886 |
| Noncurrent loans to loans | 5.3559% | 812 |
| Net loans and leases to total assets | 75.7846% | 1,003 |
| Net loans and leases to deposits | 85.6607% | 1,641 |
| Net loans and leases to core deposits | 94.6563% | 1,517 |
| Total domestic deposits to total assets | 88.4707% | 1,739 |
| Equity capital to assets | 9.7672% | 4,823 |
| Core capital (leverage) ratio | 9.5961% | 4,120 |
| Tier 1 risk-based capital ratio | 14.0894% | 4,464 |
| Total risk-based capital ratio | 15.3578% | 4,413 |
| Memoranda: | ||
| Average total assets | $41,405,000 | 6,533 |
| Average earning assets | $38,121,250 | 6,505 |
| Average equity | $3,818,250 | 6,691 |
| Average total loans | $33,704,000 | 5,843 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5093% | 144 |
| Cost of funding earning assets | 1.0666% | 1,372 |
| Net interest margin | 5.4428% | 194 |
| Noninterest income to average assets | 0.2455% | 5,817 |
| Noninterest expense to average assets | 4.1108% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1456% | 1,889 |
| Return on assets (ROA) | 1.1456% | 2,104 |
| Pretax return on assets | 1.1456% | 3,132 |
| Return on Equity (ROE) | 12.6697% | 1,451 |
| Retained earnings to average equity (ytd only) | 12.6697% | 482 |
| Net charge-offs to loans | 3.3676% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4118% | 4,871 |
| Efficiency ratio | 78.2051% | 2,431 |
| Assets per employee ($millions) | 3.7620% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3870% | 1,437 |
| Loan loss allowance to noncurrent loans | 49.2888% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 4.0887% | 1,232 |
| Noncurrent loans to loans | 4.8429% | 1,052 |
| Net loans and leases to total assets | 78.7589% | 642 |
| Net loans and leases to deposits | 88.6785% | 1,297 |
| Net loans and leases to core deposits | 98.1509% | 1,261 |
| Total domestic deposits to total assets | 88.8140% | 1,629 |
| Equity capital to assets | 9.4075% | 5,186 |
| Core capital (leverage) ratio | 9.2634% | 4,510 |
| Tier 1 risk-based capital ratio | 13.4041% | 4,900 |
| Total risk-based capital ratio | 14.6721% | 4,844 |
| Memoranda: | ||
| Average total assets | $41,548,670 | 6,571 |
| Average earning assets | $38,252,670 | 6,544 |
| Average equity | $3,757,000 | 6,741 |
| Average total loans | $34,327,330 | 5,857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5198% | 155 |
| Cost of funding earning assets | 1.1075% | 1,368 |
| Net interest margin | 5.4123% | 211 |
| Noninterest income to average assets | 0.2786% | 5,639 |
| Noninterest expense to average assets | 4.6599% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5957% | 4,361 |
| Return on assets (ROA) | 0.5957% | 4,578 |
| Pretax return on assets | 0.5957% | 5,134 |
| Return on Equity (ROE) | 6.7227% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.7227% | 2,568 |
| Net charge-offs to loans | 0.2874% | 2,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4800% | 3,178 |
| Efficiency ratio | 88.6654% | 1,211 |
| Assets per employee ($millions) | 3.7703% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8838% | 407 |
| Loan loss allowance to noncurrent loans | 73.0915% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 4.6343% | 1,148 |
| Noncurrent loans to loans | 5.3136% | 1,025 |
| Net loans and leases to total assets | 80.5584% | 358 |
| Net loans and leases to deposits | 90.4685% | 925 |
| Net loans and leases to core deposits | 100.0839% | 981 |
| Total domestic deposits to total assets | 89.0459% | 1,668 |
| Equity capital to assets | 8.9697% | 5,541 |
| Core capital (leverage) ratio | 8.6905% | 5,308 |
| Tier 1 risk-based capital ratio | 12.5435% | 5,570 |
| Total risk-based capital ratio | 13.8333% | 5,501 |
| Memoranda: | ||
| Average total assets | $41,632,000 | 6,618 |
| Average earning assets | $38,283,500 | 6,588 |
| Average equity | $3,689,000 | 6,802 |
| Average total loans | $34,796,500 | 5,880 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4357% | 197 |
| Cost of funding earning assets | 1.2196% | 1,898 |
| Net interest margin | 5.2161% | 275 |
| Noninterest income to average assets | 0.3059% | 5,352 |
| Noninterest expense to average assets | 4.0441% | 970 |
| Loan and lease loss provision to assets | 3.2923% | 100 |
| Net operating income to assets | -2.1972% | 7,057 |
| Return on assets (ROA) | -2.1972% | 7,074 |
| Pretax return on assets | -2.1972% | 7,065 |
| Return on Equity (ROE) | -20.7342% | 6,992 |
| Retained earnings to average equity (ytd only) | -20.7342% | 6,977 |
| Net charge-offs to loans | 1.4289% | 1,140 |
| Credit loss provision to net charge-offs | 271.1538% | 883 |
| Earnings coverage of net charge-offs (x) | 0.9019% | 5,133 |
| Efficiency ratio | 78.6915% | 2,498 |
| Assets per employee ($millions) | 3.7992% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9474% | 397 |
| Loan loss allowance to noncurrent loans | 78.1694% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 4.7594% | 1,144 |
| Noncurrent loans to loans | 5.0498% | 1,113 |
| Net loans and leases to total assets | 80.0603% | 489 |
| Net loans and leases to deposits | 89.8974% | 1,167 |
| Net loans and leases to core deposits | 98.9911% | 1,261 |
| Total domestic deposits to total assets | 89.0575% | 1,501 |
| Equity capital to assets | 8.7531% | 5,848 |
| Core capital (leverage) ratio | 8.7131% | 5,230 |
| Tier 1 risk-based capital ratio | 12.1612% | 5,716 |
| Total risk-based capital ratio | 13.4466% | 5,663 |
| Memoranda: | ||
| Average total assets | $42,827,400 | 6,569 |
| Average earning assets | $39,684,600 | 6,543 |
| Average equity | $4,538,400 | 6,580 |
| Average total loans | $36,391,200 | 5,854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7508% | 142 |
| Cost of funding earning assets | 1.2423% | 2,047 |
| Net interest margin | 5.5086% | 172 |
| Noninterest income to average assets | 0.3094% | 5,386 |
| Noninterest expense to average assets | 3.8464% | 1,241 |
| Loan and lease loss provision to assets | 0.5725% | 1,714 |
| Net operating income to assets | 1.0088% | 2,286 |
| Return on assets (ROA) | 1.0088% | 2,440 |
| Pretax return on assets | 1.0088% | 3,368 |
| Return on Equity (ROE) | 9.1344% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.1344% | 1,096 |
| Net charge-offs to loans | 0.4314% | 2,994 |
| Credit loss provision to net charge-offs | 155.4622% | 2,000 |
| Earnings coverage of net charge-offs (x) | 4.2942% | 3,115 |
| Efficiency ratio | 70.8666% | 3,770 |
| Assets per employee ($millions) | 3.6051% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 4,035 |
| Loan loss allowance to noncurrent loans | 29.9131% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 4.7895% | 1,221 |
| Noncurrent loans to loans | 5.0574% | 1,220 |
| Net loans and leases to total assets | 82.9176% | 298 |
| Net loans and leases to deposits | 95.3458% | 738 |
| Net loans and leases to core deposits | 106.6383% | 832 |
| Total domestic deposits to total assets | 86.9652% | 2,679 |
| Equity capital to assets | 11.3867% | 2,790 |
| Core capital (leverage) ratio | 11.3903% | 2,108 |
| Tier 1 risk-based capital ratio | 15.8994% | 3,167 |
| Total risk-based capital ratio | 17.1570% | 3,120 |
| Memoranda: | ||
| Average total assets | $43,086,500 | 6,624 |
| Average earning assets | $40,033,750 | 6,586 |
| Average equity | $4,758,500 | 6,573 |
| Average total loans | $36,780,750 | 5,884 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7137% | 159 |
| Cost of funding earning assets | 1.2538% | 2,230 |
| Net interest margin | 5.4599% | 189 |
| Noninterest income to average assets | 0.2835% | 5,612 |
| Noninterest expense to average assets | 3.8161% | 1,328 |
| Loan and lease loss provision to assets | 0.5810% | 1,665 |
| Net operating income to assets | 0.9668% | 2,366 |
| Return on assets (ROA) | 0.9668% | 2,469 |
| Pretax return on assets | 0.9668% | 3,370 |
| Return on Equity (ROE) | 8.8460% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.8460% | 1,155 |
| Net charge-offs to loans | 0.4011% | 2,952 |
| Credit loss provision to net charge-offs | 168.9189% | 1,788 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,846 |
| Efficiency ratio | 71.1438% | 3,910 |
| Assets per employee ($millions) | 3.6055% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 4,199 |
| Loan loss allowance to noncurrent loans | 45.1939% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 3.3329% | 1,988 |
| Noncurrent loans to loans | 3.2867% | 2,171 |
| Net loans and leases to total assets | 82.1638% | 357 |
| Net loans and leases to deposits | 94.2319% | 859 |
| Net loans and leases to core deposits | 104.5651% | 1,009 |
| Total domestic deposits to total assets | 87.1932% | 2,627 |
| Equity capital to assets | 11.1196% | 2,846 |
| Core capital (leverage) ratio | 11.1181% | 2,163 |
| Tier 1 risk-based capital ratio | 15.4207% | 3,284 |
| Total risk-based capital ratio | 16.6763% | 3,223 |
| Memoranda: | ||
| Average total assets | $43,028,330 | 6,678 |
| Average earning assets | $40,037,670 | 6,638 |
| Average equity | $4,702,670 | 6,625 |
| Average total loans | $36,900,330 | 5,938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7332% | 158 |
| Cost of funding earning assets | 1.2668% | 2,383 |
| Net interest margin | 5.4663% | 174 |
| Noninterest income to average assets | 0.2610% | 5,796 |
| Noninterest expense to average assets | 3.8593% | 1,235 |
| Loan and lease loss provision to assets | 0.6059% | 1,418 |
| Net operating income to assets | 0.9042% | 2,542 |
| Return on assets (ROA) | 0.9042% | 2,605 |
| Pretax return on assets | 0.9042% | 3,476 |
| Return on Equity (ROE) | 8.3468% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.3468% | 1,605 |
| Net charge-offs to loans | 0.2144% | 3,230 |
| Credit loss provision to net charge-offs | 325.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 1,860 |
| Efficiency ratio | 71.8750% | 3,894 |
| Assets per employee ($millions) | 3.5664% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 4,535 |
| Loan loss allowance to noncurrent loans | 47.3214% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 2.9792% | 2,317 |
| Noncurrent loans to loans | 3.0148% | 2,496 |
| Net loans and leases to total assets | 85.5667% | 150 |
| Net loans and leases to deposits | 97.8987% | 577 |
| Net loans and leases to core deposits | 108.6421% | 806 |
| Total domestic deposits to total assets | 87.4033% | 2,709 |
| Equity capital to assets | 10.9727% | 2,715 |
| Core capital (leverage) ratio | 10.8847% | 2,273 |
| Tier 1 risk-based capital ratio | 14.9697% | 3,442 |
| Total risk-based capital ratio | 16.2241% | 3,403 |
| Memoranda: | ||
| Average total assets | $42,909,500 | 6,732 |
| Average earning assets | $40,100,000 | 6,685 |
| Average equity | $4,648,500 | 6,668 |
| Average total loans | $37,308,000 | 5,977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8512% | 185 |
| Cost of funding earning assets | 1.4667% | 2,840 |
| Net interest margin | 5.3844% | 207 |
| Noninterest income to average assets | 0.3175% | 5,520 |
| Noninterest expense to average assets | 3.7178% | 1,663 |
| Loan and lease loss provision to assets | 1.0854% | 1,475 |
| Net operating income to assets | 0.5652% | 3,825 |
| Return on assets (ROA) | 0.5652% | 3,982 |
| Pretax return on assets | 0.5652% | 4,434 |
| Return on Equity (ROE) | 5.8664% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.8664% | 1,901 |
| Net charge-offs to loans | 1.3693% | 1,634 |
| Credit loss provision to net charge-offs | 90.6015% | 5,107 |
| Earnings coverage of net charge-offs (x) | 1.3778% | 4,730 |
| Efficiency ratio | 69.2534% | 4,327 |
| Assets per employee ($millions) | 3.5852% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 5,033 |
| Loan loss allowance to noncurrent loans | 79.9012% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4504% | 4,154 |
| Noncurrent loans to loans | 1.6201% | 4,073 |
| Net loans and leases to total assets | 85.9583% | 184 |
| Net loans and leases to deposits | 97.9889% | 719 |
| Net loans and leases to core deposits | 108.5920% | 1,008 |
| Total domestic deposits to total assets | 87.7226% | 2,407 |
| Equity capital to assets | 10.6945% | 2,961 |
| Core capital (leverage) ratio | 10.1682% | 2,903 |
| Tier 1 risk-based capital ratio | 14.6975% | 3,426 |
| Total risk-based capital ratio | 15.9516% | 3,389 |
| Memoranda: | ||
| Average total assets | $44,407,600 | 6,718 |
| Average earning assets | $41,657,200 | 6,653 |
| Average equity | $4,278,600 | 6,894 |
| Average total loans | $38,852,600 | 5,973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8470% | 188 |
| Cost of funding earning assets | 1.5148% | 2,882 |
| Net interest margin | 5.3321% | 225 |
| Noninterest income to average assets | 0.2979% | 5,755 |
| Noninterest expense to average assets | 3.6197% | 1,744 |
| Loan and lease loss provision to assets | 0.9742% | 1,537 |
| Net operating income to assets | 0.7061% | 3,386 |
| Return on assets (ROA) | 0.7061% | 3,537 |
| Pretax return on assets | 0.7061% | 4,212 |
| Return on Equity (ROE) | 7.5272% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.5272% | 1,587 |
| Net charge-offs to loans | 1.6156% | 1,217 |
| Credit loss provision to net charge-offs | 68.8421% | 5,452 |
| Earnings coverage of net charge-offs (x) | 1.1874% | 4,878 |
| Efficiency ratio | 68.2968% | 4,409 |
| Assets per employee ($millions) | 3.8079% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 6,388 |
| Loan loss allowance to noncurrent loans | 49.2994% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.7551% | 3,812 |
| Noncurrent loans to loans | 2.0322% | 3,640 |
| Net loans and leases to total assets | 83.6875% | 350 |
| Net loans and leases to deposits | 94.6864% | 1,129 |
| Net loans and leases to core deposits | 103.4687% | 1,530 |
| Total domestic deposits to total assets | 88.3838% | 1,739 |
| Equity capital to assets | 10.0471% | 4,098 |
| Core capital (leverage) ratio | 10.0624% | 3,192 |
| Tier 1 risk-based capital ratio | 14.0723% | 3,779 |
| Total risk-based capital ratio | 15.2617% | 3,796 |
| Memoranda: | ||
| Average total assets | $44,754,000 | 6,787 |
| Average earning assets | $41,983,500 | 6,726 |
| Average equity | $4,198,000 | 7,009 |
| Average total loans | $39,199,250 | 6,035 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0020% | 156 |
| Cost of funding earning assets | 1.5523% | 2,946 |
| Net interest margin | 5.4497% | 182 |
| Noninterest income to average assets | 0.2925% | 5,810 |
| Noninterest expense to average assets | 3.5238% | 1,970 |
| Loan and lease loss provision to assets | 0.5400% | 2,622 |
| Net operating income to assets | 1.3321% | 1,235 |
| Return on assets (ROA) | 1.3321% | 1,313 |
| Pretax return on assets | 1.3321% | 2,002 |
| Return on Equity (ROE) | 14.5562% | 934 |
| Retained earnings to average equity (ytd only) | 14.5562% | 275 |
| Net charge-offs to loans | 1.1983% | 1,585 |
| Credit loss provision to net charge-offs | 50.8475% | 5,397 |
| Earnings coverage of net charge-offs (x) | 1.7627% | 4,199 |
| Efficiency ratio | 65.3044% | 5,101 |
| Assets per employee ($millions) | 3.4495% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 6,092 |
| Loan loss allowance to noncurrent loans | 87.8407% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 4,930 |
| Noncurrent loans to loans | 1.2157% | 4,936 |
| Net loans and leases to total assets | 86.5645% | 192 |
| Net loans and leases to deposits | 97.8474% | 889 |
| Net loans and leases to core deposits | 106.3243% | 1,409 |
| Total domestic deposits to total assets | 88.4689% | 1,748 |
| Equity capital to assets | 10.1262% | 3,860 |
| Core capital (leverage) ratio | 10.3221% | 2,804 |
| Tier 1 risk-based capital ratio | 13.9579% | 3,761 |
| Total risk-based capital ratio | 15.2067% | 3,724 |
| Memoranda: | ||
| Average total assets | $44,440,330 | 6,849 |
| Average earning assets | $41,616,670 | 6,790 |
| Average equity | $4,067,000 | 7,101 |
| Average total loans | $39,389,670 | 6,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0835% | 155 |
| Cost of funding earning assets | 1.6064% | 2,926 |
| Net interest margin | 5.4771% | 182 |
| Noninterest income to average assets | 0.3346% | 5,466 |
| Noninterest expense to average assets | 3.4630% | 2,074 |
| Loan and lease loss provision to assets | 0.5425% | 2,331 |
| Net operating income to assets | 1.4467% | 989 |
| Return on assets (ROA) | 1.4467% | 1,062 |
| Pretax return on assets | 1.4467% | 1,646 |
| Return on Equity (ROE) | 16.7102% | 633 |
| Retained earnings to average equity (ytd only) | 16.7102% | 296 |
| Net charge-offs to loans | 0.7804% | 1,959 |
| Credit loss provision to net charge-offs | 77.9221% | 3,930 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 3,120 |
| Efficiency ratio | 63.5158% | 5,585 |
| Assets per employee ($millions) | 3.3419% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,822 |
| Loan loss allowance to noncurrent loans | 96.1039% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 4,613 |
| Noncurrent loans to loans | 1.3738% | 4,677 |
| Net loans and leases to total assets | 89.1150% | 92 |
| Net loans and leases to deposits | 100.1164% | 745 |
| Net loans and leases to core deposits | 109.7548% | 1,288 |
| Total domestic deposits to total assets | 89.0114% | 1,510 |
| Equity capital to assets | 9.4533% | 4,609 |
| Core capital (leverage) ratio | 9.2558% | 4,128 |
| Tier 1 risk-based capital ratio | 12.7996% | 4,478 |
| Total risk-based capital ratio | 14.0539% | 4,446 |
| Memoranda: | ||
| Average total assets | $44,238,500 | 6,942 |
| Average earning assets | $41,335,500 | 6,884 |
| Average equity | $3,830,000 | 7,243 |
| Average total loans | $39,465,500 | 6,148 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1371% | 229 |
| Cost of funding earning assets | 2.2516% | 1,834 |
| Net interest margin | 4.8855% | 579 |
| Noninterest income to average assets | 0.3288% | 5,729 |
| Noninterest expense to average assets | 4.0125% | 1,346 |
| Loan and lease loss provision to assets | 1.2442% | 1,854 |
| Net operating income to assets | -0.2999% | 5,971 |
| Return on assets (ROA) | -0.2999% | 5,970 |
| Pretax return on assets | -0.2999% | 5,829 |
| Return on Equity (ROE) | -4.2841% | 6,142 |
| Retained earnings to average equity (ytd only) | -6.5055% | 6,197 |
| Net charge-offs to loans | 0.8181% | 2,786 |
| Credit loss provision to net charge-offs | 173.9130% | 2,428 |
| Earnings coverage of net charge-offs (x) | 1.3199% | 4,809 |
| Efficiency ratio | 80.9502% | 2,756 |
| Assets per employee ($millions) | 3.4640% | 5,092 |
| Cash dividends to net income (ytd only)* | -51.8519% | 7,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,495 |
| Loan loss allowance to noncurrent loans | 122.7064% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 5,099 |
| Noncurrent loans to loans | 1.0983% | 5,126 |
| Net loans and leases to total assets | 86.9648% | 224 |
| Net loans and leases to deposits | 98.1209% | 1,089 |
| Net loans and leases to core deposits | 142.9009% | 713 |
| Total domestic deposits to total assets | 88.6303% | 1,664 |
| Equity capital to assets | 7.8899% | 6,685 |
| Core capital (leverage) ratio | 7.6437% | 6,626 |
| Tier 1 risk-based capital ratio | 10.8536% | 6,061 |
| Total risk-based capital ratio | 12.1073% | 6,028 |
| Memoranda: | ||
| Average total assets | $45,009,200 | 6,914 |
| Average earning assets | $42,636,400 | 6,833 |
| Average equity | $3,151,200 | 7,546 |
| Average total loans | $39,357,200 | 6,145 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0642% | 277 |
| Cost of funding earning assets | 2.3693% | 1,746 |
| Net interest margin | 4.6949% | 834 |
| Noninterest income to average assets | 0.3259% | 5,879 |
| Noninterest expense to average assets | 4.0203% | 1,248 |
| Loan and lease loss provision to assets | 1.5702% | 1,208 |
| Net operating income to assets | -0.7970% | 6,690 |
| Return on assets (ROA) | -0.7970% | 6,692 |
| Pretax return on assets | -0.7970% | 6,541 |
| Return on Equity (ROE) | -11.7565% | 7,008 |
| Retained earnings to average equity (ytd only) | -14.8157% | 7,122 |
| Net charge-offs to loans | 0.9574% | 2,063 |
| Credit loss provision to net charge-offs | 187.9433% | 2,418 |
| Earnings coverage of net charge-offs (x) | 0.9255% | 5,131 |
| Efficiency ratio | 83.8690% | 2,316 |
| Assets per employee ($millions) | 3.5714% | 4,758 |
| Cash dividends to net income (ytd only)* | -26.0219% | 7,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,263 |
| Loan loss allowance to noncurrent loans | 72.9585% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 3,935 |
| Noncurrent loans to loans | 1.8359% | 3,861 |
| Net loans and leases to total assets | 86.4651% | 314 |
| Net loans and leases to deposits | 94.1309% | 1,864 |
| Net loans and leases to core deposits | 143.0190% | 797 |
| Total domestic deposits to total assets | 91.8562% | 196 |
| Equity capital to assets | 6.6232% | 7,731 |
| Core capital (leverage) ratio | 6.5584% | 7,646 |
| Tier 1 risk-based capital ratio | 9.1895% | 7,543 |
| Total risk-based capital ratio | 10.4457% | 7,538 |
| Memoranda: | ||
| Average total assets | $45,003,500 | 6,963 |
| Average earning assets | $42,825,250 | 6,875 |
| Average equity | $3,050,750 | 7,646 |
| Average total loans | $39,272,250 | 6,189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0944% | 269 |
| Cost of funding earning assets | 2.4293% | 1,850 |
| Net interest margin | 4.6651% | 848 |
| Noninterest income to average assets | 0.3458% | 5,737 |
| Noninterest expense to average assets | 3.8178% | 1,623 |
| Loan and lease loss provision to assets | 0.6288% | 2,546 |
| Net operating income to assets | 0.3414% | 4,718 |
| Return on assets (ROA) | 0.3414% | 4,830 |
| Pretax return on assets | 0.3414% | 5,094 |
| Return on Equity (ROE) | 4.9956% | 4,077 |
| Retained earnings to average equity (ytd only) | 0.3944% | 5,059 |
| Net charge-offs to loans | 0.3814% | 3,294 |
| Credit loss provision to net charge-offs | 189.1892% | 2,412 |
| Earnings coverage of net charge-offs (x) | 2.9189% | 3,644 |
| Efficiency ratio | 79.7373% | 3,090 |
| Assets per employee ($millions) | 3.2694% | 5,400 |
| Cash dividends to net income (ytd only)* | 92.1053% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,768 |
| Loan loss allowance to noncurrent loans | 47.7632% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 3,705 |
| Noncurrent loans to loans | 1.8841% | 3,688 |
| Net loans and leases to total assets | 87.3329% | 282 |
| Net loans and leases to deposits | 95.0382% | 1,946 |
| Net loans and leases to core deposits | 142.9941% | 889 |
| Total domestic deposits to total assets | 91.8924% | 229 |
| Equity capital to assets | 6.6569% | 7,766 |
| Core capital (leverage) ratio | 6.6631% | 7,718 |
| Tier 1 risk-based capital ratio | 9.0534% | 7,674 |
| Total risk-based capital ratio | 10.1384% | 7,788 |
| Memoranda: | ||
| Average total assets | $44,528,670 | 7,036 |
| Average earning assets | $42,399,670 | 6,954 |
| Average equity | $3,042,670 | 7,715 |
| Average total loans | $38,800,000 | 6,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0131% | 325 |
| Cost of funding earning assets | 2.4965% | 1,930 |
| Net interest margin | 4.5166% | 1,094 |
| Noninterest income to average assets | 0.3097% | 5,968 |
| Noninterest expense to average assets | 4.0996% | 1,064 |
| Loan and lease loss provision to assets | 0.3189% | 3,423 |
| Net operating income to assets | 0.2095% | 5,634 |
| Return on assets (ROA) | 0.2095% | 5,796 |
| Pretax return on assets | 0.2095% | 5,914 |
| Return on Equity (ROE) | 3.0258% | 5,361 |
| Retained earnings to average equity (ytd only) | -0.2631% | 5,707 |
| Net charge-offs to loans | 0.6626% | 1,857 |
| Credit loss provision to net charge-offs | 55.5556% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.9206% | 4,307 |
| Efficiency ratio | 88.5827% | 1,839 |
| Assets per employee ($millions) | 3.4283% | 4,998 |
| Cash dividends to net income (ytd only)* | 108.6957% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 7,446 |
| Loan loss allowance to noncurrent loans | 46.5398% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 4,087 |
| Noncurrent loans to loans | 1.4968% | 4,046 |
| Net loans and leases to total assets | 86.0393% | 443 |
| Net loans and leases to deposits | 93.8817% | 2,290 |
| Net loans and leases to core deposits | 143.4300% | 955 |
| Total domestic deposits to total assets | 91.6465% | 242 |
| Equity capital to assets | 6.8076% | 7,763 |
| Core capital (leverage) ratio | 6.5713% | 7,849 |
| Tier 1 risk-based capital ratio | 9.2904% | 7,597 |
| Total risk-based capital ratio | 10.1182% | 7,901 |
| Memoranda: | ||
| Average total assets | $43,907,000 | 7,107 |
| Average earning assets | $41,978,500 | 7,020 |
| Average equity | $3,040,500 | 7,768 |
| Average total loans | $38,031,500 | 6,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2818% | 616 |
| Cost of funding earning assets | 2.5788% | 3,804 |
| Net interest margin | 4.7030% | 965 |
| Noninterest income to average assets | 0.3661% | 5,778 |
| Noninterest expense to average assets | 4.1258% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6376% | 4,158 |
| Return on assets (ROA) | 0.6471% | 3,969 |
| Pretax return on assets | 0.6471% | 4,557 |
| Return on Equity (ROE) | 9.2058% | 2,566 |
| Retained earnings to average equity (ytd only) | 2.8222% | 3,421 |
| Net charge-offs to loans | 0.0760% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.3846% | 2,520 |
| Efficiency ratio | 86.6138% | 1,797 |
| Assets per employee ($millions) | 3.3266% | 5,149 |
| Cash dividends to net income (ytd only)* | 69.3431% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 7,137 |
| Loan loss allowance to noncurrent loans | 37.9310% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 1.8106% | 2,717 |
| Noncurrent loans to loans | 2.0909% | 2,645 |
| Net loans and leases to total assets | 85.9062% | 618 |
| Net loans and leases to deposits | 94.0937% | 2,746 |
| Net loans and leases to core deposits | 142.1449% | 1,157 |
| Total domestic deposits to total assets | 91.2986% | 248 |
| Equity capital to assets | 7.0457% | 7,713 |
| Core capital (leverage) ratio | 7.1071% | 7,609 |
| Tier 1 risk-based capital ratio | 9.5232% | 7,280 |
| Total risk-based capital ratio | 10.4591% | 7,556 |
| Memoranda: | ||
| Average total assets | $42,343,600 | 7,112 |
| Average earning assets | $39,592,000 | 7,060 |
| Average equity | $2,976,400 | 7,843 |
| Average total loans | $34,211,000 | 6,476 |