Home > Bank of Evergreen > Performance and Condition Ratios
Bank of Evergreen, 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 | 4.5082% | 3,882 |
| Cost of funding earning assets | 1.2674% | 3,653 |
| Net interest margin | 3.2408% | 2,909 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 2.4561% | 2,438 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.6727% | 3,175 |
| Return on assets (ROA) | 0.6727% | 3,191 |
| Pretax return on assets | 0.8761% | 3,019 |
| Return on Equity (ROE) | 6.9600% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.9650% | 2,004 |
| Net charge-offs to loans | 0.0256% | 1,475 |
| Credit loss provision to net charge-offs | 250.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 764 |
| Efficiency ratio | 73.1366% | 1,509 |
| Assets per employee ($millions) | 6.3316% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 702 |
| Loan loss allowance to noncurrent loans | 921.4286% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,169 |
| Noncurrent loans to loans | 0.1810% | 2,845 |
| Net loans and leases to total assets | 40.0500% | 3,974 |
| Net loans and leases to deposits | 45.2610% | 4,007 |
| Net loans and leases to core deposits | 49.8656% | 3,983 |
| Total domestic deposits to total assets | 88.4800% | 1,386 |
| Equity capital to assets | 10.0594% | 2,184 |
| Core capital (leverage) ratio | 13.6189% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $76,707,500 | 3,978 |
| Average earning assets | $71,958,000 | 3,948 |
| Average equity | $7,408,500 | 4,032 |
| Average total loans | $31,190,000 | 4,069 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 4,100 |
| Cost of funding earning assets | 1.3593% | 3,587 |
| Net interest margin | 2.9132% | 3,301 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.3940% | 2,592 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.4793% | 3,533 |
| Return on assets (ROA) | 0.4793% | 3,546 |
| Pretax return on assets | 0.6304% | 3,413 |
| Return on Equity (ROE) | 5.3000% | 3,437 |
| Retained earnings to average equity (ytd only) | 4.7204% | 2,349 |
| Net charge-offs to loans | 0.1666% | 814 |
| Credit loss provision to net charge-offs | 10.2041% | 2,506 |
| Earnings coverage of net charge-offs (x) | 9.9796% | 2,296 |
| Efficiency ratio | 78.9858% | 1,125 |
| Assets per employee ($millions) | 6.4530% | 2,528 |
| Cash dividends to net income (ytd only)* | 10.8696% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 747 |
| Loan loss allowance to noncurrent loans | 413.7097% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,546 |
| Noncurrent loans to loans | 0.3945% | 2,095 |
| Net loans and leases to total assets | 39.9300% | 4,009 |
| Net loans and leases to deposits | 45.2188% | 4,047 |
| Net loans and leases to core deposits | 50.5658% | 3,998 |
| Total domestic deposits to total assets | 88.3100% | 1,398 |
| Equity capital to assets | 9.2644% | 2,625 |
| Core capital (leverage) ratio | 12.8536% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $76,773,800 | 3,985 |
| Average earning assets | $71,947,800 | 3,951 |
| Average equity | $6,948,600 | 4,057 |
| Average total loans | $29,408,000 | 4,107 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 4,197 |
| Cost of funding earning assets | 1.3189% | 3,641 |
| Net interest margin | 2.8288% | 3,404 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.4140% | 2,475 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.3864% | 3,709 |
| Return on assets (ROA) | 0.3864% | 3,738 |
| Pretax return on assets | 0.5186% | 3,615 |
| Return on Equity (ROE) | 4.2900% | 3,673 |
| Retained earnings to average equity (ytd only) | 3.9077% | 2,891 |
| Net charge-offs to loans | 0.3091% | 414 |
| Credit loss provision to net charge-offs | 7.4627% | 2,222 |
| Earnings coverage of net charge-offs (x) | 4.5224% | 2,436 |
| Efficiency ratio | 82.0710% | 946 |
| Assets per employee ($millions) | 6.1415% | 2,759 |
| Cash dividends to net income (ytd only)* | 9.0090% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 839 |
| Loan loss allowance to noncurrent loans | 217.1053% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 1,549 |
| Noncurrent loans to loans | 0.7362% | 1,344 |
| Net loans and leases to total assets | 38.1700% | 4,077 |
| Net loans and leases to deposits | 44.2851% | 4,096 |
| Net loans and leases to core deposits | 50.7765% | 4,025 |
| Total domestic deposits to total assets | 86.1900% | 1,866 |
| Equity capital to assets | 9.6419% | 2,544 |
| Core capital (leverage) ratio | 12.0651% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $76,608,250 | 4,003 |
| Average earning assets | $71,878,250 | 3,977 |
| Average equity | $6,892,250 | 4,082 |
| Average total loans | $28,901,250 | 4,130 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 4,248 |
| Cost of funding earning assets | 1.2514% | 3,712 |
| Net interest margin | 2.8023% | 3,411 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 2.4228% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3257% | 3,783 |
| Return on assets (ROA) | 0.3257% | 3,826 |
| Pretax return on assets | 0.4396% | 3,740 |
| Return on Equity (ROE) | 3.7100% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.7140% | 2,820 |
| Net charge-offs to loans | 0.0142% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 855 |
| Efficiency ratio | 84.6438% | 817 |
| Assets per employee ($millions) | 5.9750% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 586 |
| Loan loss allowance to noncurrent loans | 193.3798% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 1,279 |
| Noncurrent loans to loans | 0.9174% | 1,030 |
| Net loans and leases to total assets | 39.5600% | 4,049 |
| Net loans and leases to deposits | 45.2911% | 4,068 |
| Net loans and leases to core deposits | 51.8020% | 4,006 |
| Total domestic deposits to total assets | 87.3500% | 1,523 |
| Equity capital to assets | 8.5433% | 3,070 |
| Core capital (leverage) ratio | 13.2371% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $75,531,333 | 4,028 |
| Average earning assets | $70,799,333 | 3,999 |
| Average equity | $6,623,667 | 4,111 |
| Average total loans | $28,212,333 | 4,159 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 4,287 |
| Cost of funding earning assets | 1.2107% | 3,710 |
| Net interest margin | 2.7541% | 3,463 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 2.4873% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3170% | 3,782 |
| Return on assets (ROA) | 0.3170% | 3,811 |
| Pretax return on assets | 0.4405% | 3,682 |
| Return on Equity (ROE) | 3.5700% | 3,751 |
| Retained earnings to average equity (ytd only) | 3.5663% | 2,831 |
| Net charge-offs to loans | 0.0450% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,207 |
| Efficiency ratio | 84.9541% | 839 |
| Assets per employee ($millions) | 5.7531% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 348 |
| Loan loss allowance to noncurrent loans | 320.2312% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 1,366 |
| Noncurrent loans to loans | 0.6441% | 1,370 |
| Net loans and leases to total assets | 35.1700% | 4,166 |
| Net loans and leases to deposits | 38.7187% | 4,207 |
| Net loans and leases to core deposits | 44.2760% | 4,199 |
| Total domestic deposits to total assets | 90.8500% | 565 |
| Equity capital to assets | 8.8020% | 2,810 |
| Core capital (leverage) ratio | 13.4266% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $74,459,500 | 4,064 |
| Average earning assets | $69,713,500 | 4,035 |
| Average equity | $6,617,500 | 4,132 |
| Average total loans | $26,676,000 | 4,203 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,275 |
| Cost of funding earning assets | 0.6444% | 4,007 |
| Net interest margin | 3.0572% | 3,169 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.4673% | 2,394 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4751% | 3,723 |
| Return on assets (ROA) | 0.4751% | 3,720 |
| Pretax return on assets | 0.6145% | 3,609 |
| Return on Equity (ROE) | 5.9700% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.2931% | 2,491 |
| Net charge-offs to loans | 0.1867% | 573 |
| Credit loss provision to net charge-offs | 43.4783% | 2,219 |
| Earnings coverage of net charge-offs (x) | 10.3043% | 2,244 |
| Efficiency ratio | 79.3644% | 956 |
| Assets per employee ($millions) | 5.7022% | 3,068 |
| Cash dividends to net income (ytd only)* | 11.3960% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 321 |
| Loan loss allowance to noncurrent loans | 551.4851% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,502 |
| Noncurrent loans to loans | 0.3813% | 1,844 |
| Net loans and leases to total assets | 34.9800% | 4,185 |
| Net loans and leases to deposits | 38.8734% | 4,219 |
| Net loans and leases to core deposits | 44.1685% | 4,202 |
| Total domestic deposits to total assets | 90.0000% | 756 |
| Equity capital to assets | 8.9735% | 2,692 |
| Core capital (leverage) ratio | 13.7796% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $73,886,600 | 4,082 |
| Average earning assets | $69,212,600 | 4,042 |
| Average equity | $5,875,600 | 4,172 |
| Average total loans | $24,643,400 | 4,221 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,243 |
| Cost of funding earning assets | 0.5272% | 4,093 |
| Net interest margin | 3.1459% | 3,039 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.4814% | 2,294 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4497% | 3,870 |
| Return on assets (ROA) | 0.4497% | 3,867 |
| Pretax return on assets | 0.6249% | 3,696 |
| Return on Equity (ROE) | 5.8400% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.3740% | 2,815 |
| Net charge-offs to loans | 0.2702% | 321 |
| Credit loss provision to net charge-offs | 40.8163% | 1,929 |
| Earnings coverage of net charge-offs (x) | 7.4694% | 2,235 |
| Efficiency ratio | 78.9655% | 938 |
| Assets per employee ($millions) | 5.4409% | 3,231 |
| Cash dividends to net income (ytd only)* | 8.0321% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 256 |
| Loan loss allowance to noncurrent loans | 349.0566% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 1,240 |
| Noncurrent loans to loans | 0.6600% | 1,247 |
| Net loans and leases to total assets | 33.2800% | 4,257 |
| Net loans and leases to deposits | 37.1927% | 4,273 |
| Net loans and leases to core deposits | 39.9000% | 4,262 |
| Total domestic deposits to total assets | 89.4700% | 1,083 |
| Equity capital to assets | 7.5171% | 3,344 |
| Core capital (leverage) ratio | 13.4995% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $73,826,000 | 4,097 |
| Average earning assets | $69,294,750 | 4,062 |
| Average equity | $5,681,500 | 4,204 |
| Average total loans | $24,181,500 | 4,246 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,216 |
| Cost of funding earning assets | 0.4266% | 4,122 |
| Net interest margin | 3.2080% | 2,970 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.4420% | 2,369 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3901% | 4,020 |
| Return on assets (ROA) | 0.3901% | 4,036 |
| Pretax return on assets | 0.6011% | 3,802 |
| Return on Equity (ROE) | 5.0300% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.3426% | 3,117 |
| Net charge-offs to loans | 0.4543% | 189 |
| Credit loss provision to net charge-offs | 36.3636% | 1,722 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 2,217 |
| Efficiency ratio | 78.8611% | 931 |
| Assets per employee ($millions) | 5.6113% | 3,054 |
| Cash dividends to net income (ytd only)* | 13.6986% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2022% | 305 |
| Loan loss allowance to noncurrent loans | 638.3721% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 1,502 |
| Noncurrent loans to loans | 0.3450% | 1,899 |
| Net loans and leases to total assets | 33.4200% | 4,254 |
| Net loans and leases to deposits | 37.1684% | 4,276 |
| Net loans and leases to core deposits | 39.7629% | 4,265 |
| Total domestic deposits to total assets | 89.9200% | 940 |
| Equity capital to assets | 8.0332% | 3,189 |
| Core capital (leverage) ratio | 12.9233% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,857,333 | 4,102 |
| Average earning assets | $70,325,000 | 4,074 |
| Average equity | $5,803,000 | 4,214 |
| Average total loans | $24,211,333 | 4,260 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,247 |
| Cost of funding earning assets | 0.3600% | 4,048 |
| Net interest margin | 3.1499% | 3,234 |
| Noninterest income to average assets | -0.2800% | 4,671 |
| Noninterest expense to average assets | 2.4851% | 2,287 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | -0.0053% | 4,500 |
| Return on assets (ROA) | -0.0053% | 4,484 |
| Pretax return on assets | 0.1055% | 4,401 |
| Return on Equity (ROE) | -0.0700% | 4,454 |
| Retained earnings to average equity (ytd only) | -0.0693% | 4,045 |
| Net charge-offs to loans | 0.0671% | 737 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 1,710 |
| Efficiency ratio | 93.0830% | 282 |
| Assets per employee ($millions) | 5.7880% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4436% | 232 |
| Loan loss allowance to noncurrent loans | 252.5424% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 952 |
| Noncurrent loans to loans | 0.9676% | 771 |
| Net loans and leases to total assets | 31.6200% | 4,333 |
| Net loans and leases to deposits | 34.3531% | 4,369 |
| Net loans and leases to core deposits | 36.6157% | 4,354 |
| Total domestic deposits to total assets | 92.0500% | 500 |
| Equity capital to assets | 7.8332% | 3,357 |
| Core capital (leverage) ratio | 12.6698% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,812,500 | 4,150 |
| Average earning assets | $71,113,000 | 4,123 |
| Average equity | $5,774,500 | 4,272 |
| Average total loans | $23,852,000 | 4,329 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3107% | 3,565 |
| Cost of funding earning assets | 0.2327% | 3,488 |
| Net interest margin | 3.0780% | 3,236 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.4062% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7125% | 3,577 |
| Return on assets (ROA) | 0.7073% | 3,544 |
| Pretax return on assets | 0.8973% | 3,362 |
| Return on Equity (ROE) | 8.3600% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.7409% | 1,940 |
| Net charge-offs to loans | 0.0659% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 43.1250% | 1,459 |
| Efficiency ratio | 72.6949% | 1,366 |
| Assets per employee ($millions) | 5.8645% | 2,888 |
| Cash dividends to net income (ytd only)* | 7.4074% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5049% | 210 |
| Loan loss allowance to noncurrent loans | 310.6383% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7642% | 153 |
| Noncurrent loans to loans | 0.8064% | 919 |
| Net loans and leases to total assets | 29.8100% | 4,394 |
| Net loans and leases to deposits | 32.1731% | 4,430 |
| Net loans and leases to core deposits | 34.6795% | 4,402 |
| Total domestic deposits to total assets | 92.6700% | 473 |
| Equity capital to assets | 7.1971% | 3,555 |
| Core capital (leverage) ratio | 12.4783% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $76,343,200 | 4,166 |
| Average earning assets | $71,345,200 | 4,143 |
| Average equity | $6,459,200 | 4,281 |
| Average total loans | $24,282,600 | 4,342 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2521% | 3,304 |
| Cost of funding earning assets | 0.2242% | 2,997 |
| Net interest margin | 3.0280% | 3,150 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.4355% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6511% | 3,693 |
| Return on assets (ROA) | 0.6442% | 3,668 |
| Pretax return on assets | 0.8153% | 3,541 |
| Return on Equity (ROE) | 7.3400% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.9428% | 2,379 |
| Net charge-offs to loans | 0.0761% | 770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,463 |
| Efficiency ratio | 74.7188% | 1,207 |
| Assets per employee ($millions) | 5.9795% | 2,785 |
| Cash dividends to net income (ytd only)* | 5.4201% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4662% | 241 |
| Loan loss allowance to noncurrent loans | 305.2083% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7367% | 175 |
| Noncurrent loans to loans | 0.8080% | 989 |
| Net loans and leases to total assets | 29.8100% | 4,429 |
| Net loans and leases to deposits | 31.9924% | 4,468 |
| Net loans and leases to core deposits | 34.4164% | 4,431 |
| Total domestic deposits to total assets | 93.1900% | 526 |
| Equity capital to assets | 6.5172% | 3,734 |
| Core capital (leverage) ratio | 12.2373% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $76,369,250 | 4,193 |
| Average earning assets | $71,377,500 | 4,174 |
| Average equity | $6,702,250 | 4,291 |
| Average total loans | $24,524,750 | 4,370 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 3,042 |
| Cost of funding earning assets | 0.2249% | 2,585 |
| Net interest margin | 2.9770% | 2,948 |
| Noninterest income to average assets | 0.4215% | 2,620 |
| Noninterest expense to average assets | 2.4396% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6352% | 3,527 |
| Return on assets (ROA) | 0.6244% | 3,507 |
| Pretax return on assets | 0.7587% | 3,428 |
| Return on Equity (ROE) | 6.5400% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.9881% | 2,340 |
| Net charge-offs to loans | -0.0161% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9639% | 1,288 |
| Assets per employee ($millions) | 5.8420% | 2,881 |
| Cash dividends to net income (ytd only)* | 8.4388% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5116% | 259 |
| Loan loss allowance to noncurrent loans | 260.6061% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.8935% | 163 |
| Noncurrent loans to loans | 0.9637% | 866 |
| Net loans and leases to total assets | 30.7679% | 4,437 |
| Net loans and leases to deposits | 33.2617% | 4,462 |
| Net loans and leases to core deposits | 35.8637% | 4,441 |
| Total domestic deposits to total assets | 92.5026% | 650 |
| Equity capital to assets | 7.2565% | 3,626 |
| Core capital (leverage) ratio | 11.9754% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,914,667 | 4,250 |
| Average earning assets | $71,146,333 | 4,235 |
| Average equity | $7,247,667 | 4,289 |
| Average total loans | $24,779,333 | 4,412 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8607% | 3,626 |
| Cost of funding earning assets | 0.2347% | 2,326 |
| Net interest margin | 2.6261% | 3,600 |
| Noninterest income to average assets | 0.7167% | 1,259 |
| Noninterest expense to average assets | 2.5139% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6061% | 3,374 |
| Return on assets (ROA) | 0.6061% | 3,355 |
| Pretax return on assets | 0.6799% | 3,448 |
| Return on Equity (ROE) | 5.6678% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.6678% | 2,360 |
| Net charge-offs to loans | -0.0318% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7129% | 1,252 |
| Assets per employee ($millions) | 5.8511% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4760% | 293 |
| Loan loss allowance to noncurrent loans | 181.5710% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 2.0220% | 140 |
| Noncurrent loans to loans | 1.3637% | 635 |
| Net loans and leases to total assets | 31.1212% | 4,415 |
| Net loans and leases to deposits | 34.4822% | 4,434 |
| Net loans and leases to core deposits | 37.0077% | 4,399 |
| Total domestic deposits to total assets | 90.2529% | 1,411 |
| Equity capital to assets | 9.5157% | 2,266 |
| Core capital (leverage) ratio | 12.0232% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,899,000 | 4,274 |
| Average earning assets | $71,590,000 | 4,248 |
| Average equity | $8,116,000 | 4,257 |
| Average total loans | $25,184,500 | 4,425 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 3,641 |
| Cost of funding earning assets | 0.2903% | 2,504 |
| Net interest margin | 2.8312% | 3,599 |
| Noninterest income to average assets | 0.9239% | 1,147 |
| Noninterest expense to average assets | 2.6393% | 1,777 |
| Loan and lease loss provision to assets | 0.0558% | 1,934 |
| Net operating income to assets | 0.7219% | 3,564 |
| Return on assets (ROA) | 0.7299% | 3,606 |
| Pretax return on assets | 0.8932% | 3,526 |
| Return on Equity (ROE) | 5.8276% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.3819% | 2,629 |
| Net charge-offs to loans | 0.0478% | 1,348 |
| Credit loss provision to net charge-offs | 307.6923% | 1,046 |
| Earnings coverage of net charge-offs (x) | 51.7692% | 1,277 |
| Efficiency ratio | 73.7520% | 1,333 |
| Assets per employee ($millions) | 5.8241% | 2,925 |
| Cash dividends to net income (ytd only)* | 7.6482% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 386 |
| Loan loss allowance to noncurrent loans | 179.8799% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 2.0340% | 152 |
| Noncurrent loans to loans | 1.2761% | 751 |
| Net loans and leases to total assets | 33.6759% | 4,386 |
| Net loans and leases to deposits | 38.2976% | 4,383 |
| Net loans and leases to core deposits | 41.0170% | 4,369 |
| Total domestic deposits to total assets | 87.9321% | 2,079 |
| Equity capital to assets | 11.8461% | 1,320 |
| Core capital (leverage) ratio | 11.9050% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,649,000 | 4,321 |
| Average earning assets | $67,180,200 | 4,297 |
| Average equity | $8,974,600 | 4,248 |
| Average total loans | $27,214,800 | 4,427 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1412% | 3,720 |
| Cost of funding earning assets | 0.3085% | 2,516 |
| Net interest margin | 2.8327% | 3,701 |
| Noninterest income to average assets | 0.9740% | 1,114 |
| Noninterest expense to average assets | 2.6956% | 1,600 |
| Loan and lease loss provision to assets | 0.0750% | 1,550 |
| Net operating income to assets | 0.7166% | 3,728 |
| Return on assets (ROA) | 0.7230% | 3,777 |
| Pretax return on assets | 0.8627% | 3,768 |
| Return on Equity (ROE) | 5.6891% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.3920% | 3,069 |
| Net charge-offs to loans | 0.2716% | 305 |
| Credit loss provision to net charge-offs | 71.4286% | 1,749 |
| Earnings coverage of net charge-offs (x) | 8.8036% | 2,094 |
| Efficiency ratio | 74.3363% | 1,188 |
| Assets per employee ($millions) | 4.8837% | 3,810 |
| Cash dividends to net income (ytd only)* | 5.2219% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0948% | 539 |
| Loan loss allowance to noncurrent loans | 201.0870% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.0244% | 180 |
| Noncurrent loans to loans | 1.0417% | 1,087 |
| Net loans and leases to total assets | 35.4092% | 4,415 |
| Net loans and leases to deposits | 40.5468% | 4,435 |
| Net loans and leases to core deposits | 43.5488% | 4,397 |
| Total domestic deposits to total assets | 87.3292% | 2,198 |
| Equity capital to assets | 12.5261% | 1,161 |
| Core capital (leverage) ratio | 12.2182% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,633,000 | 4,389 |
| Average earning assets | $66,130,500 | 4,366 |
| Average equity | $8,976,000 | 4,305 |
| Average total loans | $27,494,500 | 4,481 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1318% | 3,800 |
| Cost of funding earning assets | 0.3224% | 2,565 |
| Net interest margin | 2.8094% | 3,772 |
| Noninterest income to average assets | 1.1124% | 913 |
| Noninterest expense to average assets | 2.7265% | 1,523 |
| Loan and lease loss provision to assets | 0.0860% | 1,429 |
| Net operating income to assets | 0.8127% | 3,470 |
| Return on assets (ROA) | 0.8228% | 3,512 |
| Pretax return on assets | 0.9346% | 3,584 |
| Return on Equity (ROE) | 6.4427% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.9937% | 2,805 |
| Net charge-offs to loans | 0.4672% | 181 |
| Credit loss provision to net charge-offs | 46.1538% | 1,623 |
| Earnings coverage of net charge-offs (x) | 5.4154% | 1,996 |
| Efficiency ratio | 72.9854% | 1,338 |
| Assets per employee ($millions) | 4.7971% | 3,840 |
| Cash dividends to net income (ytd only)* | 6.9686% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 595 |
| Loan loss allowance to noncurrent loans | 180.8081% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 2.0902% | 198 |
| Noncurrent loans to loans | 1.1144% | 1,081 |
| Net loans and leases to total assets | 36.2930% | 4,453 |
| Net loans and leases to deposits | 41.5685% | 4,472 |
| Net loans and leases to core deposits | 44.7052% | 4,439 |
| Total domestic deposits to total assets | 87.3089% | 2,166 |
| Equity capital to assets | 12.5354% | 1,115 |
| Core capital (leverage) ratio | 12.3169% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,759,000 | 4,430 |
| Average earning assets | $65,138,667 | 4,404 |
| Average equity | $8,909,333 | 4,332 |
| Average total loans | $27,828,000 | 4,513 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 3,738 |
| Cost of funding earning assets | 0.3555% | 2,483 |
| Net interest margin | 2.8129% | 3,727 |
| Noninterest income to average assets | 1.0312% | 1,085 |
| Noninterest expense to average assets | 2.8371% | 1,288 |
| Loan and lease loss provision to assets | 0.0583% | 1,958 |
| Net operating income to assets | 0.6641% | 3,791 |
| Return on assets (ROA) | 0.6641% | 3,866 |
| Pretax return on assets | 0.7632% | 3,880 |
| Return on Equity (ROE) | 5.1502% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.1502% | 3,181 |
| Net charge-offs to loans | -0.2815% | 4,839 |
| Credit loss provision to net charge-offs | -50.0000% | 2,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5478% | 994 |
| Assets per employee ($millions) | 4.5871% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 420 |
| Loan loss allowance to noncurrent loans | 118.5039% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.6494% | 138 |
| Noncurrent loans to loans | 1.8651% | 607 |
| Net loans and leases to total assets | 38.7097% | 4,395 |
| Net loans and leases to deposits | 44.3909% | 4,407 |
| Net loans and leases to core deposits | 47.9098% | 4,377 |
| Total domestic deposits to total assets | 87.2019% | 2,227 |
| Equity capital to assets | 12.6048% | 1,041 |
| Core capital (leverage) ratio | 12.4883% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,660,500 | 4,454 |
| Average earning assets | $64,133,000 | 4,434 |
| Average equity | $8,854,000 | 4,349 |
| Average total loans | $28,416,000 | 4,525 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 2,861 |
| Cost of funding earning assets | 0.5538% | 2,585 |
| Net interest margin | 3.4034% | 2,769 |
| Noninterest income to average assets | 0.6199% | 2,137 |
| Noninterest expense to average assets | 2.8598% | 1,788 |
| Loan and lease loss provision to assets | 0.4618% | 595 |
| Net operating income to assets | 0.3888% | 4,270 |
| Return on assets (ROA) | 0.3913% | 4,348 |
| Pretax return on assets | 0.4852% | 4,295 |
| Return on Equity (ROE) | 2.8867% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.4248% | 3,650 |
| Net charge-offs to loans | 1.7477% | 55 |
| Credit loss provision to net charge-offs | 50.4274% | 3,142 |
| Earnings coverage of net charge-offs (x) | 1.0308% | 3,290 |
| Efficiency ratio | 75.1852% | 1,317 |
| Assets per employee ($millions) | 4.5626% | 3,858 |
| Cash dividends to net income (ytd only)* | 16.0000% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 667 |
| Loan loss allowance to noncurrent loans | 112.5737% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 2.6885% | 157 |
| Noncurrent loans to loans | 1.7199% | 736 |
| Net loans and leases to total assets | 42.4056% | 4,327 |
| Net loans and leases to deposits | 48.8866% | 4,362 |
| Net loans and leases to core deposits | 52.7932% | 4,308 |
| Total domestic deposits to total assets | 86.7429% | 2,059 |
| Equity capital to assets | 13.0934% | 1,056 |
| Core capital (leverage) ratio | 12.7016% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,885,800 | 4,463 |
| Average earning assets | $59,764,000 | 4,443 |
| Average equity | $8,660,400 | 4,353 |
| Average total loans | $33,473,400 | 4,445 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,624 |
| Cost of funding earning assets | 0.5888% | 2,683 |
| Net interest margin | 3.5302% | 2,485 |
| Noninterest income to average assets | 0.5950% | 2,199 |
| Noninterest expense to average assets | 2.8919% | 1,722 |
| Loan and lease loss provision to assets | 0.5307% | 530 |
| Net operating income to assets | 0.3812% | 4,301 |
| Return on assets (ROA) | 0.3846% | 4,357 |
| Pretax return on assets | 0.4760% | 4,324 |
| Return on Equity (ROE) | 2.8110% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.5004% | 3,742 |
| Net charge-offs to loans | 2.0207% | 49 |
| Credit loss provision to net charge-offs | 47.8927% | 2,895 |
| Earnings coverage of net charge-offs (x) | 0.9042% | 3,111 |
| Efficiency ratio | 74.2499% | 1,383 |
| Assets per employee ($millions) | 4.2252% | 4,119 |
| Cash dividends to net income (ytd only)* | 11.0497% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 843 |
| Loan loss allowance to noncurrent loans | 115.9136% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.8780% | 161 |
| Noncurrent loans to loans | 1.4907% | 965 |
| Net loans and leases to total assets | 52.9442% | 3,895 |
| Net loans and leases to deposits | 61.8024% | 3,943 |
| Net loans and leases to core deposits | 67.2337% | 3,809 |
| Total domestic deposits to total assets | 85.6670% | 2,191 |
| Equity capital to assets | 14.0885% | 830 |
| Core capital (leverage) ratio | 13.2576% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,747,500 | 4,491 |
| Average earning assets | $58,653,500 | 4,472 |
| Average equity | $8,585,250 | 4,381 |
| Average total loans | $34,443,000 | 4,451 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 2,789 |
| Cost of funding earning assets | 0.6048% | 2,936 |
| Net interest margin | 3.5879% | 2,525 |
| Noninterest income to average assets | 0.6204% | 2,058 |
| Noninterest expense to average assets | 2.7855% | 2,129 |
| Loan and lease loss provision to assets | 0.5597% | 589 |
| Net operating income to assets | 0.5034% | 4,011 |
| Return on assets (ROA) | 0.5085% | 4,071 |
| Pretax return on assets | 0.6396% | 3,987 |
| Return on Equity (ROE) | 3.7541% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.2819% | 3,278 |
| Net charge-offs to loans | 2.8429% | 38 |
| Credit loss provision to net charge-offs | 35.4379% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7597% | 2,907 |
| Efficiency ratio | 70.0161% | 1,956 |
| Assets per employee ($millions) | 4.2955% | 4,002 |
| Cash dividends to net income (ytd only)* | 12.5786% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,220 |
| Loan loss allowance to noncurrent loans | 30.7042% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.3430% | 126 |
| Noncurrent loans to loans | 4.9311% | 111 |
| Net loans and leases to total assets | 55.0199% | 3,777 |
| Net loans and leases to deposits | 64.0407% | 3,879 |
| Net loans and leases to core deposits | 69.5322% | 3,743 |
| Total domestic deposits to total assets | 85.9141% | 2,048 |
| Equity capital to assets | 13.8112% | 896 |
| Core capital (leverage) ratio | 13.2244% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,537,333 | 4,501 |
| Average earning assets | $58,530,667 | 4,484 |
| Average equity | $8,470,667 | 4,412 |
| Average total loans | $34,542,333 | 4,463 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 2,602 |
| Cost of funding earning assets | 0.6174% | 3,348 |
| Net interest margin | 3.7875% | 2,026 |
| Noninterest income to average assets | 0.5715% | 2,170 |
| Noninterest expense to average assets | 2.8122% | 2,397 |
| Loan and lease loss provision to assets | 0.5520% | 517 |
| Net operating income to assets | 0.5729% | 3,678 |
| Return on assets (ROA) | 0.5780% | 3,727 |
| Pretax return on assets | 0.7599% | 3,522 |
| Return on Equity (ROE) | 4.3118% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.3118% | 2,570 |
| Net charge-offs to loans | 5.7607% | 16 |
| Credit loss provision to net charge-offs | 17.4538% | 2,211 |
| Earnings coverage of net charge-offs (x) | 0.4127% | 2,469 |
| Efficiency ratio | 68.2965% | 2,617 |
| Assets per employee ($millions) | 4.0276% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,674 |
| Loan loss allowance to noncurrent loans | 57.2139% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 456 |
| Noncurrent loans to loans | 2.4562% | 497 |
| Net loans and leases to total assets | 53.4197% | 4,029 |
| Net loans and leases to deposits | 61.9241% | 4,100 |
| Net loans and leases to core deposits | 68.1196% | 3,980 |
| Total domestic deposits to total assets | 86.2664% | 1,884 |
| Equity capital to assets | 13.4058% | 1,260 |
| Core capital (leverage) ratio | 12.8725% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,589,500 | 4,537 |
| Average earning assets | $57,663,000 | 4,515 |
| Average equity | $8,256,500 | 4,462 |
| Average total loans | $33,815,500 | 4,506 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 2,629 |
| Cost of funding earning assets | 0.5956% | 3,663 |
| Net interest margin | 4.0007% | 1,858 |
| Noninterest income to average assets | 0.7260% | 1,722 |
| Noninterest expense to average assets | 3.0520% | 1,872 |
| Loan and lease loss provision to assets | 0.4856% | 265 |
| Net operating income to assets | 0.7194% | 3,801 |
| Return on assets (ROA) | 0.7194% | 3,867 |
| Pretax return on assets | 0.9482% | 3,608 |
| Return on Equity (ROE) | 5.4033% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.9087% | 2,470 |
| Net charge-offs to loans | 0.3344% | 619 |
| Credit loss provision to net charge-offs | 243.8017% | 1,113 |
| Earnings coverage of net charge-offs (x) | 7.1983% | 2,896 |
| Efficiency ratio | 68.0367% | 2,451 |
| Assets per employee ($millions) | 4.1854% | 3,648 |
| Cash dividends to net income (ytd only)* | 9.1533% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 297 |
| Loan loss allowance to noncurrent loans | 54.2466% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.8751% | 194 |
| Noncurrent loans to loans | 4.1836% | 153 |
| Net loans and leases to total assets | 54.3254% | 4,056 |
| Net loans and leases to deposits | 62.9901% | 4,135 |
| Net loans and leases to core deposits | 69.0209% | 4,017 |
| Total domestic deposits to total assets | 86.2442% | 1,959 |
| Equity capital to assets | 13.4324% | 1,310 |
| Core capital (leverage) ratio | 13.4895% | 1,059 |
| Tier 1 risk-based capital ratio | 24.2037% | 810 |
| Total risk-based capital ratio | 25.4655% | 792 |
| Memoranda: | ||
| Average total assets | $60,747,800 | 4,586 |
| Average earning assets | $57,089,600 | 4,572 |
| Average equity | $8,087,600 | 4,498 |
| Average total loans | $36,188,200 | 4,498 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 2,563 |
| Cost of funding earning assets | 0.5908% | 3,739 |
| Net interest margin | 4.0601% | 1,732 |
| Noninterest income to average assets | 0.7149% | 1,724 |
| Noninterest expense to average assets | 3.0478% | 1,838 |
| Loan and lease loss provision to assets | 0.4869% | 245 |
| Net operating income to assets | 0.7415% | 3,876 |
| Return on assets (ROA) | 0.7415% | 3,941 |
| Pretax return on assets | 0.9982% | 3,604 |
| Return on Equity (ROE) | 5.5824% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.2491% | 2,756 |
| Net charge-offs to loans | 0.3396% | 503 |
| Credit loss provision to net charge-offs | 236.5591% | 1,142 |
| Earnings coverage of net charge-offs (x) | 7.2148% | 2,764 |
| Efficiency ratio | 67.2363% | 2,542 |
| Assets per employee ($millions) | 4.0253% | 3,867 |
| Cash dividends to net income (ytd only)* | 5.9710% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 365 |
| Loan loss allowance to noncurrent loans | 62.1351% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 2.7775% | 213 |
| Noncurrent loans to loans | 3.4411% | 243 |
| Net loans and leases to total assets | 56.4749% | 4,019 |
| Net loans and leases to deposits | 65.9032% | 4,074 |
| Net loans and leases to core deposits | 72.5171% | 3,914 |
| Total domestic deposits to total assets | 85.6937% | 2,122 |
| Equity capital to assets | 13.7962% | 1,236 |
| Core capital (leverage) ratio | 13.7395% | 1,065 |
| Tier 1 risk-based capital ratio | 23.9083% | 853 |
| Total risk-based capital ratio | 25.1673% | 834 |
| Memoranda: | ||
| Average total assets | $60,239,500 | 4,656 |
| Average earning assets | $56,647,250 | 4,643 |
| Average equity | $8,001,250 | 4,557 |
| Average total loans | $36,510,750 | 4,548 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 2,403 |
| Cost of funding earning assets | 0.5749% | 3,771 |
| Net interest margin | 4.1125% | 1,573 |
| Noninterest income to average assets | 0.6878% | 1,766 |
| Noninterest expense to average assets | 2.9439% | 2,156 |
| Loan and lease loss provision to assets | 0.4818% | 243 |
| Net operating income to assets | 0.8373% | 3,516 |
| Return on assets (ROA) | 0.8373% | 3,574 |
| Pretax return on assets | 1.1363% | 3,133 |
| Return on Equity (ROE) | 6.3865% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.8796% | 2,337 |
| Net charge-offs to loans | -0.0540% | 4,843 |
| Credit loss provision to net charge-offs | -1,450.0000% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5302% | 3,050 |
| Assets per employee ($millions) | 3.9455% | 3,943 |
| Cash dividends to net income (ytd only)* | 7.9365% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 364 |
| Loan loss allowance to noncurrent loans | 80.8577% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7370% | 597 |
| Noncurrent loans to loans | 2.6481% | 420 |
| Net loans and leases to total assets | 59.6928% | 3,766 |
| Net loans and leases to deposits | 69.6105% | 3,872 |
| Net loans and leases to core deposits | 76.7316% | 3,668 |
| Total domestic deposits to total assets | 85.7527% | 2,155 |
| Equity capital to assets | 13.8215% | 1,192 |
| Core capital (leverage) ratio | 13.6293% | 1,068 |
| Tier 1 risk-based capital ratio | 23.8843% | 855 |
| Total risk-based capital ratio | 25.1459% | 836 |
| Memoranda: | ||
| Average total assets | $60,193,000 | 4,694 |
| Average earning assets | $56,704,670 | 4,676 |
| Average equity | $7,891,670 | 4,595 |
| Average total loans | $37,066,330 | 4,572 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 2,570 |
| Cost of funding earning assets | 0.5534% | 3,808 |
| Net interest margin | 4.0352% | 1,733 |
| Noninterest income to average assets | 0.6392% | 1,870 |
| Noninterest expense to average assets | 2.8469% | 2,424 |
| Loan and lease loss provision to assets | 0.4613% | 238 |
| Net operating income to assets | 0.8435% | 3,473 |
| Return on assets (ROA) | 0.8435% | 3,514 |
| Pretax return on assets | 1.1269% | 3,060 |
| Return on Equity (ROE) | 6.6086% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.6086% | 2,192 |
| Net charge-offs to loans | 0.0852% | 1,248 |
| Credit loss provision to net charge-offs | 875.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 1,331 |
| Efficiency ratio | 64.1902% | 3,204 |
| Assets per employee ($millions) | 3.9451% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 694 |
| Loan loss allowance to noncurrent loans | 46.6438% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.5888% | 288 |
| Noncurrent loans to loans | 3.8873% | 204 |
| Net loans and leases to total assets | 62.3164% | 3,473 |
| Net loans and leases to deposits | 72.1296% | 3,594 |
| Net loans and leases to core deposits | 78.6022% | 3,479 |
| Total domestic deposits to total assets | 86.3951% | 2,113 |
| Equity capital to assets | 13.3515% | 1,270 |
| Core capital (leverage) ratio | 13.4478% | 1,103 |
| Tier 1 risk-based capital ratio | 22.5056% | 988 |
| Total risk-based capital ratio | 23.7637% | 964 |
| Memoranda: | ||
| Average total assets | $60,698,000 | 4,735 |
| Average earning assets | $57,097,500 | 4,720 |
| Average equity | $7,747,500 | 4,646 |
| Average total loans | $37,549,000 | 4,602 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 1,819 |
| Cost of funding earning assets | 0.5633% | 2,966 |
| Net interest margin | 4.1382% | 1,565 |
| Noninterest income to average assets | 0.4782% | 2,950 |
| Noninterest expense to average assets | 2.9244% | 2,261 |
| Loan and lease loss provision to assets | 0.6646% | 161 |
| Net operating income to assets | 0.5739% | 4,494 |
| Return on assets (ROA) | 0.5739% | 4,499 |
| Pretax return on assets | 0.7716% | 4,243 |
| Return on Equity (ROE) | 4.8127% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.2689% | 3,199 |
| Net charge-offs to loans | 0.9535% | 160 |
| Credit loss provision to net charge-offs | 112.6374% | 2,298 |
| Earnings coverage of net charge-offs (x) | 2.4341% | 3,518 |
| Efficiency ratio | 67.0632% | 2,698 |
| Assets per employee ($millions) | 4.1454% | 3,692 |
| Cash dividends to net income (ytd only)* | 11.2994% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 928 |
| Loan loss allowance to noncurrent loans | 56.9982% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 541 |
| Noncurrent loans to loans | 2.8929% | 365 |
| Net loans and leases to total assets | 59.3767% | 3,831 |
| Net loans and leases to deposits | 67.7300% | 3,999 |
| Net loans and leases to core deposits | 73.3855% | 3,896 |
| Total domestic deposits to total assets | 87.6667% | 1,463 |
| Equity capital to assets | 12.1162% | 1,811 |
| Core capital (leverage) ratio | 12.8740% | 1,295 |
| Tier 1 risk-based capital ratio | 21.9679% | 1,037 |
| Total risk-based capital ratio | 23.2224% | 1,017 |
| Memoranda: | ||
| Average total assets | $61,687,800 | 4,729 |
| Average earning assets | $57,874,800 | 4,712 |
| Average equity | $7,355,600 | 4,699 |
| Average total loans | $38,177,000 | 4,607 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,634 |
| Cost of funding earning assets | 0.5558% | 2,827 |
| Net interest margin | 4.1583% | 1,475 |
| Noninterest income to average assets | 0.4201% | 3,351 |
| Noninterest expense to average assets | 2.9475% | 2,172 |
| Loan and lease loss provision to assets | 0.7580% | 124 |
| Net operating income to assets | 0.4396% | 4,876 |
| Return on assets (ROA) | 0.4396% | 4,882 |
| Pretax return on assets | 0.6194% | 4,700 |
| Return on Equity (ROE) | 3.7021% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.3373% | 4,079 |
| Net charge-offs to loans | 1.2660% | 102 |
| Credit loss provision to net charge-offs | 96.1538% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 3,320 |
| Efficiency ratio | 68.1522% | 2,511 |
| Assets per employee ($millions) | 4.0217% | 3,850 |
| Cash dividends to net income (ytd only)* | 9.8537% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,423 |
| Loan loss allowance to noncurrent loans | 52.0000% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 583 |
| Noncurrent loans to loans | 2.8435% | 406 |
| Net loans and leases to total assets | 61.7412% | 3,683 |
| Net loans and leases to deposits | 70.5003% | 3,882 |
| Net loans and leases to core deposits | 77.9026% | 3,664 |
| Total domestic deposits to total assets | 87.5758% | 1,451 |
| Equity capital to assets | 12.1390% | 1,811 |
| Core capital (leverage) ratio | 12.7420% | 1,398 |
| Tier 1 risk-based capital ratio | 21.6476% | 1,099 |
| Total risk-based capital ratio | 22.8995% | 1,082 |
| Memoranda: | ||
| Average total assets | $61,564,500 | 4,780 |
| Average earning assets | $57,811,000 | 4,766 |
| Average equity | $7,311,000 | 4,751 |
| Average total loans | $38,336,250 | 4,651 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,575 |
| Cost of funding earning assets | 0.5494% | 2,615 |
| Net interest margin | 4.1240% | 1,479 |
| Noninterest income to average assets | 0.3453% | 3,867 |
| Noninterest expense to average assets | 2.9333% | 2,250 |
| Loan and lease loss provision to assets | 0.8067% | 113 |
| Net operating income to assets | 0.3292% | 5,081 |
| Return on assets (ROA) | 0.3292% | 5,076 |
| Pretax return on assets | 0.4808% | 4,937 |
| Return on Equity (ROE) | 2.7918% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.2444% | 4,382 |
| Net charge-offs to loans | 1.4592% | 84 |
| Credit loss provision to net charge-offs | 88.9680% | 2,165 |
| Earnings coverage of net charge-offs (x) | 1.4199% | 3,065 |
| Efficiency ratio | 69.4954% | 2,395 |
| Assets per employee ($millions) | 4.0891% | 3,747 |
| Cash dividends to net income (ytd only)* | 19.6078% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,583 |
| Loan loss allowance to noncurrent loans | 42.6993% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.1994% | 450 |
| Noncurrent loans to loans | 3.3816% | 301 |
| Net loans and leases to total assets | 60.2028% | 3,786 |
| Net loans and leases to deposits | 68.4550% | 3,990 |
| Net loans and leases to core deposits | 75.4655% | 3,781 |
| Total domestic deposits to total assets | 87.9451% | 1,409 |
| Equity capital to assets | 11.8446% | 1,961 |
| Core capital (leverage) ratio | 12.2892% | 1,549 |
| Tier 1 risk-based capital ratio | 21.3654% | 1,118 |
| Total risk-based capital ratio | 22.6177% | 1,100 |
| Memoranda: | ||
| Average total assets | $61,977,330 | 4,832 |
| Average earning assets | $58,245,000 | 4,813 |
| Average equity | $7,307,000 | 4,801 |
| Average total loans | $38,513,330 | 4,685 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,339 |
| Cost of funding earning assets | 0.5404% | 2,475 |
| Net interest margin | 4.1454% | 1,312 |
| Noninterest income to average assets | 0.1862% | 4,909 |
| Noninterest expense to average assets | 2.9407% | 2,226 |
| Loan and lease loss provision to assets | 0.8090% | 113 |
| Net operating income to assets | 0.1798% | 5,264 |
| Return on assets (ROA) | 0.1798% | 5,260 |
| Pretax return on assets | 0.3275% | 5,133 |
| Return on Equity (ROE) | 1.5284% | 5,246 |
| Retained earnings to average equity (ytd only) | 1.5284% | 4,480 |
| Net charge-offs to loans | 2.5002% | 44 |
| Credit loss provision to net charge-offs | 51.6393% | 1,938 |
| Earnings coverage of net charge-offs (x) | 0.7254% | 2,620 |
| Efficiency ratio | 72.1260% | 2,174 |
| Assets per employee ($millions) | 4.1119% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,908 |
| Loan loss allowance to noncurrent loans | 30.8634% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4660% | 382 |
| Noncurrent loans to loans | 3.8351% | 266 |
| Net loans and leases to total assets | 61.4504% | 3,611 |
| Net loans and leases to deposits | 69.7677% | 3,807 |
| Net loans and leases to core deposits | 81.7611% | 3,164 |
| Total domestic deposits to total assets | 88.0786% | 1,576 |
| Equity capital to assets | 11.7414% | 1,958 |
| Core capital (leverage) ratio | 11.2587% | 2,201 |
| Tier 1 risk-based capital ratio | 19.1724% | 1,514 |
| Total risk-based capital ratio | 20.4198% | 1,467 |
| Memoranda: | ||
| Average total assets | $62,298,000 | 4,886 |
| Average earning assets | $58,475,000 | 4,860 |
| Average equity | $7,328,000 | 4,845 |
| Average total loans | $39,036,500 | 4,723 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 815 |
| Cost of funding earning assets | 0.5495% | 1,956 |
| Net interest margin | 4.3398% | 884 |
| Noninterest income to average assets | 0.6269% | 2,323 |
| Noninterest expense to average assets | 2.7834% | 2,834 |
| Loan and lease loss provision to assets | 0.4489% | 307 |
| Net operating income to assets | 1.0154% | 2,172 |
| Return on assets (ROA) | 1.0197% | 2,191 |
| Pretax return on assets | 1.4911% | 1,678 |
| Return on Equity (ROE) | 8.8309% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.1922% | 693 |
| Net charge-offs to loans | 1.3978% | 116 |
| Credit loss provision to net charge-offs | 50.9091% | 3,320 |
| Earnings coverage of net charge-offs (x) | 2.1927% | 3,785 |
| Efficiency ratio | 59.0075% | 4,413 |
| Assets per employee ($millions) | 4.1992% | 3,655 |
| Cash dividends to net income (ytd only)* | 7.2327% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,155 |
| Loan loss allowance to noncurrent loans | 38.0435% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.1909% | 474 |
| Noncurrent loans to loans | 3.4541% | 296 |
| Net loans and leases to total assets | 62.5945% | 3,542 |
| Net loans and leases to deposits | 71.2116% | 3,775 |
| Net loans and leases to core deposits | 83.3640% | 3,121 |
| Total domestic deposits to total assets | 87.8993% | 1,551 |
| Equity capital to assets | 11.8546% | 1,940 |
| Core capital (leverage) ratio | 12.1307% | 1,541 |
| Tier 1 risk-based capital ratio | 19.9697% | 1,328 |
| Total risk-based capital ratio | 21.2207% | 1,290 |
| Memoranda: | ||
| Average total assets | $62,369,000 | 4,917 |
| Average earning assets | $58,782,000 | 4,885 |
| Average equity | $7,202,000 | 4,909 |
| Average total loans | $39,346,400 | 4,744 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 794 |
| Cost of funding earning assets | 0.5500% | 1,890 |
| Net interest margin | 4.3298% | 857 |
| Noninterest income to average assets | 0.6322% | 2,304 |
| Noninterest expense to average assets | 2.7817% | 2,790 |
| Loan and lease loss provision to assets | 0.3857% | 361 |
| Net operating income to assets | 1.0444% | 2,356 |
| Return on assets (ROA) | 1.0501% | 2,368 |
| Pretax return on assets | 1.5559% | 1,556 |
| Return on Equity (ROE) | 9.1556% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.7818% | 918 |
| Net charge-offs to loans | 1.2450% | 136 |
| Credit loss provision to net charge-offs | 49.1803% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.4645% | 3,464 |
| Efficiency ratio | 59.0000% | 4,355 |
| Assets per employee ($millions) | 4.3744% | 3,349 |
| Cash dividends to net income (ytd only)* | 4.0822% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,331 |
| Loan loss allowance to noncurrent loans | 61.5774% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 917 |
| Noncurrent loans to loans | 2.5331% | 594 |
| Net loans and leases to total assets | 62.7586% | 3,572 |
| Net loans and leases to deposits | 71.7253% | 3,800 |
| Net loans and leases to core deposits | 84.4184% | 3,095 |
| Total domestic deposits to total assets | 87.4986% | 1,627 |
| Equity capital to assets | 12.1765% | 1,852 |
| Core capital (leverage) ratio | 12.0865% | 1,633 |
| Tier 1 risk-based capital ratio | 19.9262% | 1,371 |
| Total risk-based capital ratio | 21.1787% | 1,336 |
| Memoranda: | ||
| Average total assets | $62,214,250 | 4,976 |
| Average earning assets | $58,662,250 | 4,942 |
| Average equity | $7,135,750 | 4,974 |
| Average total loans | $39,195,000 | 4,804 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 843 |
| Cost of funding earning assets | 0.5390% | 1,850 |
| Net interest margin | 4.2748% | 924 |
| Noninterest income to average assets | 0.6524% | 2,194 |
| Noninterest expense to average assets | 2.7535% | 2,913 |
| Loan and lease loss provision to assets | 0.3838% | 361 |
| Net operating income to assets | 1.0851% | 2,061 |
| Return on assets (ROA) | 1.0873% | 2,096 |
| Pretax return on assets | 1.5766% | 1,410 |
| Return on Equity (ROE) | 9.6747% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.6747% | 650 |
| Net charge-offs to loans | 0.0051% | 3,287 |
| Credit loss provision to net charge-offs | 12,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 612.0000% | 128 |
| Efficiency ratio | 58.4521% | 4,537 |
| Assets per employee ($millions) | 4.4570% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2775% | 384 |
| Loan loss allowance to noncurrent loans | 91.3087% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.6042% | 924 |
| Noncurrent loans to loans | 2.4943% | 606 |
| Net loans and leases to total assets | 62.8498% | 3,528 |
| Net loans and leases to deposits | 71.4426% | 3,789 |
| Net loans and leases to core deposits | 84.1548% | 3,049 |
| Total domestic deposits to total assets | 87.9724% | 1,468 |
| Equity capital to assets | 11.7552% | 2,111 |
| Core capital (leverage) ratio | 11.7208% | 1,817 |
| Tier 1 risk-based capital ratio | 19.3985% | 1,499 |
| Total risk-based capital ratio | 20.6608% | 1,445 |
| Memoranda: | ||
| Average total assets | $62,538,670 | 5,006 |
| Average earning assets | $59,371,670 | 4,966 |
| Average equity | $7,028,670 | 5,016 |
| Average total loans | $39,245,670 | 4,834 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 916 |
| Cost of funding earning assets | 0.5319% | 1,848 |
| Net interest margin | 4.1811% | 1,028 |
| Noninterest income to average assets | 0.6772% | 2,052 |
| Noninterest expense to average assets | 2.7664% | 2,901 |
| Loan and lease loss provision to assets | 0.3833% | 296 |
| Net operating income to assets | 0.9647% | 2,460 |
| Return on assets (ROA) | 0.9647% | 2,514 |
| Pretax return on assets | 1.4950% | 1,543 |
| Return on Equity (ROE) | 8.7848% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.7848% | 1,150 |
| Net charge-offs to loans | -0.0103% | 4,443 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5598% | 4,519 |
| Assets per employee ($millions) | 4.3882% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 422 |
| Loan loss allowance to noncurrent loans | 100.8245% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3819% | 1,211 |
| Noncurrent loans to loans | 2.2637% | 736 |
| Net loans and leases to total assets | 59.6549% | 3,820 |
| Net loans and leases to deposits | 67.6069% | 4,028 |
| Net loans and leases to core deposits | 78.9577% | 3,393 |
| Total domestic deposits to total assets | 88.2380% | 1,567 |
| Equity capital to assets | 11.3925% | 2,267 |
| Core capital (leverage) ratio | 11.4078% | 2,017 |
| Tier 1 risk-based capital ratio | 20.2802% | 1,336 |
| Total risk-based capital ratio | 21.5436% | 1,302 |
| Memoranda: | ||
| Average total assets | $62,609,000 | 5,059 |
| Average earning assets | $59,409,500 | 5,015 |
| Average equity | $6,875,500 | 5,088 |
| Average total loans | $38,803,000 | 4,896 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 584 |
| Cost of funding earning assets | 0.5401% | 1,790 |
| Net interest margin | 4.4659% | 667 |
| Noninterest income to average assets | 0.4654% | 3,448 |
| Noninterest expense to average assets | 2.6950% | 3,354 |
| Loan and lease loss provision to assets | 0.3922% | 401 |
| Net operating income to assets | 1.1260% | 1,795 |
| Return on assets (ROA) | 1.1359% | 1,838 |
| Pretax return on assets | 1.6584% | 1,110 |
| Return on Equity (ROE) | 10.3690% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.7748% | 453 |
| Net charge-offs to loans | 0.3490% | 779 |
| Credit loss provision to net charge-offs | 169.7183% | 1,631 |
| Earnings coverage of net charge-offs (x) | 8.8099% | 2,833 |
| Efficiency ratio | 56.9659% | 4,955 |
| Assets per employee ($millions) | 4.5515% | 3,041 |
| Cash dividends to net income (ytd only)* | 5.7307% | 4,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 682 |
| Loan loss allowance to noncurrent loans | 78.1496% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5945% | 1,006 |
| Noncurrent loans to loans | 2.5336% | 618 |
| Net loans and leases to total assets | 61.6861% | 3,650 |
| Net loans and leases to deposits | 69.1684% | 3,991 |
| Net loans and leases to core deposits | 79.8760% | 3,402 |
| Total domestic deposits to total assets | 89.1825% | 1,021 |
| Equity capital to assets | 10.5711% | 3,075 |
| Core capital (leverage) ratio | 10.9674% | 2,372 |
| Tier 1 risk-based capital ratio | 18.0277% | 1,841 |
| Total risk-based capital ratio | 19.2874% | 1,798 |
| Memoranda: | ||
| Average total assets | $61,446,600 | 5,107 |
| Average earning assets | $58,688,600 | 5,054 |
| Average equity | $6,731,600 | 5,146 |
| Average total loans | $40,691,600 | 4,849 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 572 |
| Cost of funding earning assets | 0.5388% | 1,801 |
| Net interest margin | 4.4842% | 658 |
| Noninterest income to average assets | 0.4161% | 3,811 |
| Noninterest expense to average assets | 2.7420% | 3,205 |
| Loan and lease loss provision to assets | 0.3942% | 371 |
| Net operating income to assets | 1.0729% | 2,102 |
| Return on assets (ROA) | 1.0863% | 2,156 |
| Pretax return on assets | 1.6010% | 1,374 |
| Return on Equity (ROE) | 9.8257% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.4295% | 708 |
| Net charge-offs to loans | 0.4016% | 536 |
| Credit loss provision to net charge-offs | 146.3415% | 1,800 |
| Earnings coverage of net charge-offs (x) | 7.3332% | 2,886 |
| Efficiency ratio | 58.1244% | 4,796 |
| Assets per employee ($millions) | 4.3676% | 3,303 |
| Cash dividends to net income (ytd only)* | 4.0328% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 939 |
| Loan loss allowance to noncurrent loans | 86.7359% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4179% | 1,303 |
| Noncurrent loans to loans | 2.1229% | 899 |
| Net loans and leases to total assets | 65.5628% | 3,196 |
| Net loans and leases to deposits | 74.3752% | 3,561 |
| Net loans and leases to core deposits | 86.1055% | 2,941 |
| Total domestic deposits to total assets | 88.1513% | 1,327 |
| Equity capital to assets | 11.4333% | 2,569 |
| Core capital (leverage) ratio | 11.1323% | 2,330 |
| Tier 1 risk-based capital ratio | 17.9335% | 1,946 |
| Total risk-based capital ratio | 19.1914% | 1,904 |
| Memoranda: | ||
| Average total assets | $60,878,000 | 5,168 |
| Average earning assets | $58,396,750 | 5,105 |
| Average equity | $6,730,500 | 5,196 |
| Average total loans | $40,839,250 | 4,892 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0416% | 545 |
| Cost of funding earning assets | 0.5365% | 1,809 |
| Net interest margin | 4.5051% | 617 |
| Noninterest income to average assets | 0.5758% | 2,748 |
| Noninterest expense to average assets | 2.6386% | 3,579 |
| Loan and lease loss provision to assets | 0.3948% | 393 |
| Net operating income to assets | 1.2629% | 1,380 |
| Return on assets (ROA) | 1.2897% | 1,412 |
| Pretax return on assets | 1.8918% | 711 |
| Return on Equity (ROE) | 11.8007% | 1,387 |
| Retained earnings to average equity (ytd only) | 11.8007% | 355 |
| Net charge-offs to loans | 0.1518% | 1,417 |
| Credit loss provision to net charge-offs | 387.0968% | 792 |
| Earnings coverage of net charge-offs (x) | 22.0323% | 1,645 |
| Efficiency ratio | 54.0067% | 5,311 |
| Assets per employee ($millions) | 4.2109% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 885 |
| Loan loss allowance to noncurrent loans | 43.5556% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.3587% | 332 |
| Noncurrent loans to loans | 4.3782% | 249 |
| Net loans and leases to total assets | 68.4099% | 2,723 |
| Net loans and leases to deposits | 77.8808% | 3,170 |
| Net loans and leases to core deposits | 90.2336% | 2,513 |
| Total domestic deposits to total assets | 87.8393% | 1,507 |
| Equity capital to assets | 11.7621% | 2,305 |
| Core capital (leverage) ratio | 11.1619% | 2,271 |
| Tier 1 risk-based capital ratio | 17.6302% | 2,039 |
| Total risk-based capital ratio | 18.8905% | 1,996 |
| Memoranda: | ||
| Average total assets | $60,788,670 | 5,227 |
| Average earning assets | $58,156,330 | 5,168 |
| Average equity | $6,643,670 | 5,261 |
| Average total loans | $40,838,670 | 4,941 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 686 |
| Cost of funding earning assets | 0.5284% | 1,879 |
| Net interest margin | 4.3762% | 783 |
| Noninterest income to average assets | 0.6028% | 2,513 |
| Noninterest expense to average assets | 2.5735% | 3,828 |
| Loan and lease loss provision to assets | 0.3889% | 364 |
| Net operating income to assets | 1.2373% | 1,433 |
| Return on assets (ROA) | 1.2770% | 1,409 |
| Pretax return on assets | 1.8863% | 714 |
| Return on Equity (ROE) | 12.1259% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.1259% | 492 |
| Net charge-offs to loans | 0.3341% | 665 |
| Credit loss provision to net charge-offs | 176.4706% | 1,166 |
| Earnings coverage of net charge-offs (x) | 10.0588% | 1,949 |
| Efficiency ratio | 53.7212% | 5,407 |
| Assets per employee ($millions) | 4.2926% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 1,184 |
| Loan loss allowance to noncurrent loans | 39.5068% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.3347% | 356 |
| Noncurrent loans to loans | 4.5164% | 236 |
| Net loans and leases to total assets | 66.0393% | 2,937 |
| Net loans and leases to deposits | 74.5268% | 3,371 |
| Net loans and leases to core deposits | 85.9640% | 2,752 |
| Total domestic deposits to total assets | 88.6116% | 1,299 |
| Equity capital to assets | 11.0007% | 2,942 |
| Core capital (leverage) ratio | 10.6408% | 2,806 |
| Tier 1 risk-based capital ratio | 17.1305% | 2,241 |
| Total risk-based capital ratio | 18.3865% | 2,209 |
| Memoranda: | ||
| Average total assets | $61,707,000 | 5,251 |
| Average earning assets | $59,047,000 | 5,183 |
| Average equity | $6,498,500 | 5,321 |
| Average total loans | $40,701,500 | 4,989 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 718 |
| Cost of funding earning assets | 0.5476% | 1,785 |
| Net interest margin | 4.3825% | 824 |
| Noninterest income to average assets | 0.5268% | 3,156 |
| Noninterest expense to average assets | 2.7034% | 3,569 |
| Loan and lease loss provision to assets | 0.3568% | 406 |
| Net operating income to assets | 1.1417% | 1,759 |
| Return on assets (ROA) | 1.1640% | 1,762 |
| Pretax return on assets | 1.6873% | 1,031 |
| Return on Equity (ROE) | 11.3366% | 1,489 |
| Retained earnings to average equity (ytd only) | 10.6746% | 379 |
| Net charge-offs to loans | 0.2725% | 1,115 |
| Credit loss provision to net charge-offs | 201.9231% | 1,379 |
| Earnings coverage of net charge-offs (x) | 11.3846% | 2,586 |
| Efficiency ratio | 57.3333% | 5,218 |
| Assets per employee ($millions) | 4.5216% | 3,007 |
| Cash dividends to net income (ytd only)* | 5.8394% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 1,240 |
| Loan loss allowance to noncurrent loans | 43.5337% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.9067% | 463 |
| Noncurrent loans to loans | 4.0176% | 303 |
| Net loans and leases to total assets | 63.6273% | 3,331 |
| Net loans and leases to deposits | 71.0859% | 3,808 |
| Net loans and leases to core deposits | 81.2827% | 3,220 |
| Total domestic deposits to total assets | 89.5076% | 852 |
| Equity capital to assets | 10.0738% | 3,882 |
| Core capital (leverage) ratio | 10.1418% | 3,332 |
| Tier 1 risk-based capital ratio | 16.2528% | 2,581 |
| Total risk-based capital ratio | 17.5100% | 2,538 |
| Memoranda: | ||
| Average total assets | $58,850,800 | 5,345 |
| Average earning assets | $56,247,000 | 5,285 |
| Average equity | $6,042,400 | 5,427 |
| Average total loans | $38,168,000 | 5,081 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 588 |
| Cost of funding earning assets | 0.5535% | 1,772 |
| Net interest margin | 4.4716% | 696 |
| Noninterest income to average assets | 0.5196% | 3,230 |
| Noninterest expense to average assets | 2.7526% | 3,373 |
| Loan and lease loss provision to assets | 0.3695% | 350 |
| Net operating income to assets | 1.2811% | 1,389 |
| Return on assets (ROA) | 1.3024% | 1,393 |
| Pretax return on assets | 1.6973% | 1,114 |
| Return on Equity (ROE) | 12.6198% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.1724% | 349 |
| Net charge-offs to loans | 0.3701% | 703 |
| Credit loss provision to net charge-offs | 153.8462% | 1,643 |
| Earnings coverage of net charge-offs (x) | 8.4906% | 2,810 |
| Efficiency ratio | 57.4458% | 5,186 |
| Assets per employee ($millions) | 4.2019% | 3,517 |
| Cash dividends to net income (ytd only)* | 3.5466% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 1,434 |
| Loan loss allowance to noncurrent loans | 64.8202% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0790% | 958 |
| Noncurrent loans to loans | 2.6501% | 738 |
| Net loans and leases to total assets | 64.8699% | 3,178 |
| Net loans and leases to deposits | 72.8166% | 3,670 |
| Net loans and leases to core deposits | 84.2016% | 3,021 |
| Total domestic deposits to total assets | 89.0866% | 986 |
| Equity capital to assets | 10.5904% | 3,490 |
| Core capital (leverage) ratio | 10.5751% | 2,954 |
| Tier 1 risk-based capital ratio | 17.1625% | 2,311 |
| Total risk-based capital ratio | 18.4195% | 2,253 |
| Memoranda: | ||
| Average total assets | $57,737,750 | 5,436 |
| Average earning assets | $55,161,750 | 5,382 |
| Average equity | $5,958,750 | 5,510 |
| Average total loans | $37,461,250 | 5,161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 641 |
| Cost of funding earning assets | 0.5586% | 1,748 |
| Net interest margin | 4.3991% | 762 |
| Noninterest income to average assets | 0.5299% | 3,170 |
| Noninterest expense to average assets | 2.7329% | 3,479 |
| Loan and lease loss provision to assets | 0.2963% | 527 |
| Net operating income to assets | 1.2582% | 1,433 |
| Return on assets (ROA) | 1.3072% | 1,359 |
| Pretax return on assets | 1.7673% | 943 |
| Return on Equity (ROE) | 12.7805% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.0988% | 383 |
| Net charge-offs to loans | 0.2540% | 1,021 |
| Credit loss provision to net charge-offs | 180.8511% | 1,340 |
| Earnings coverage of net charge-offs (x) | 12.1915% | 2,232 |
| Efficiency ratio | 57.7745% | 5,247 |
| Assets per employee ($millions) | 3.5648% | 4,691 |
| Cash dividends to net income (ytd only)* | 5.3333% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 1,574 |
| Loan loss allowance to noncurrent loans | 48.3607% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5895% | 714 |
| Noncurrent loans to loans | 3.5369% | 492 |
| Net loans and leases to total assets | 65.3856% | 3,068 |
| Net loans and leases to deposits | 73.2389% | 3,585 |
| Net loans and leases to core deposits | 85.1714% | 2,862 |
| Total domestic deposits to total assets | 89.2771% | 1,012 |
| Equity capital to assets | 10.4529% | 3,495 |
| Core capital (leverage) ratio | 10.3407% | 3,162 |
| Tier 1 risk-based capital ratio | 16.9912% | 2,406 |
| Total risk-based capital ratio | 18.2472% | 2,353 |
| Memoranda: | ||
| Average total assets | $57,374,670 | 5,507 |
| Average earning assets | $54,783,330 | 5,445 |
| Average equity | $5,868,330 | 5,579 |
| Average total loans | $37,005,670 | 5,219 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 849 |
| Cost of funding earning assets | 0.5537% | 1,809 |
| Net interest margin | 4.2547% | 968 |
| Noninterest income to average assets | 0.5005% | 3,285 |
| Noninterest expense to average assets | 2.7040% | 3,574 |
| Loan and lease loss provision to assets | 0.4171% | 270 |
| Net operating income to assets | 1.0930% | 1,893 |
| Return on assets (ROA) | 1.0983% | 1,989 |
| Pretax return on assets | 1.4459% | 1,733 |
| Return on Equity (ROE) | 10.8563% | 1,671 |
| Retained earnings to average equity (ytd only) | 10.8563% | 743 |
| Net charge-offs to loans | 0.0219% | 2,710 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 393 |
| Efficiency ratio | 59.2988% | 5,180 |
| Assets per employee ($millions) | 3.8380% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 1,419 |
| Loan loss allowance to noncurrent loans | 80.2395% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 1,562 |
| Noncurrent loans to loans | 2.2866% | 1,086 |
| Net loans and leases to total assets | 62.2668% | 3,324 |
| Net loans and leases to deposits | 69.8622% | 3,761 |
| Net loans and leases to core deposits | 81.1404% | 3,042 |
| Total domestic deposits to total assets | 89.1280% | 1,183 |
| Equity capital to assets | 10.3057% | 3,769 |
| Core capital (leverage) ratio | 10.0841% | 3,499 |
| Tier 1 risk-based capital ratio | 16.6585% | 2,610 |
| Total risk-based capital ratio | 17.9058% | 2,565 |
| Memoranda: | ||
| Average total assets | $57,543,500 | 5,554 |
| Average earning assets | $54,903,500 | 5,496 |
| Average equity | $5,821,500 | 5,651 |
| Average total loans | $36,537,000 | 5,271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 658 |
| Cost of funding earning assets | 0.5803% | 1,947 |
| Net interest margin | 4.5042% | 743 |
| Noninterest income to average assets | 0.5923% | 2,901 |
| Noninterest expense to average assets | 2.8385% | 3,347 |
| Loan and lease loss provision to assets | 0.4695% | 344 |
| Net operating income to assets | 1.1601% | 1,717 |
| Return on assets (ROA) | 1.1267% | 1,935 |
| Pretax return on assets | 1.5276% | 1,444 |
| Return on Equity (ROE) | 11.6123% | 1,521 |
| Retained earnings to average equity (ytd only) | 11.0540% | 373 |
| Net charge-offs to loans | 0.4794% | 870 |
| Credit loss provision to net charge-offs | 151.1628% | 1,598 |
| Earnings coverage of net charge-offs (x) | 6.5756% | 3,175 |
| Efficiency ratio | 58.1576% | 5,443 |
| Assets per employee ($millions) | 4.1093% | 3,705 |
| Cash dividends to net income (ytd only)* | 4.8077% | 4,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 1,853 |
| Loan loss allowance to noncurrent loans | 88.4226% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3819% | 2,014 |
| Noncurrent loans to loans | 1.8913% | 1,491 |
| Net loans and leases to total assets | 62.4439% | 3,446 |
| Net loans and leases to deposits | 69.7486% | 3,949 |
| Net loans and leases to core deposits | 80.5525% | 3,232 |
| Total domestic deposits to total assets | 89.5272% | 961 |
| Equity capital to assets | 10.0226% | 4,086 |
| Core capital (leverage) ratio | 10.0338% | 3,529 |
| Tier 1 risk-based capital ratio | 15.5729% | 3,195 |
| Total risk-based capital ratio | 16.8271% | 3,122 |
| Memoranda: | ||
| Average total assets | $55,381,800 | 5,662 |
| Average earning assets | $52,728,200 | 5,599 |
| Average equity | $5,373,600 | 5,769 |
| Average total loans | $35,876,200 | 5,335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 657 |
| Cost of funding earning assets | 0.5844% | 1,977 |
| Net interest margin | 4.5070% | 727 |
| Noninterest income to average assets | 0.6005% | 2,868 |
| Noninterest expense to average assets | 2.8808% | 3,190 |
| Loan and lease loss provision to assets | 0.5834% | 234 |
| Net operating income to assets | 1.1116% | 1,980 |
| Return on assets (ROA) | 1.0794% | 2,179 |
| Pretax return on assets | 1.3881% | 2,056 |
| Return on Equity (ROE) | 11.2215% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.9686% | 519 |
| Net charge-offs to loans | 0.4592% | 851 |
| Credit loss provision to net charge-offs | 195.1220% | 1,293 |
| Earnings coverage of net charge-offs (x) | 6.7315% | 3,036 |
| Efficiency ratio | 58.8674% | 5,324 |
| Assets per employee ($millions) | 3.6374% | 4,600 |
| Cash dividends to net income (ytd only)* | 2.2517% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 1,727 |
| Loan loss allowance to noncurrent loans | 83.2250% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.7118% | 1,755 |
| Noncurrent loans to loans | 2.1453% | 1,437 |
| Net loans and leases to total assets | 64.5259% | 3,106 |
| Net loans and leases to deposits | 72.1464% | 3,672 |
| Net loans and leases to core deposits | 84.0018% | 2,880 |
| Total domestic deposits to total assets | 89.4375% | 1,013 |
| Equity capital to assets | 10.1959% | 3,937 |
| Core capital (leverage) ratio | 10.1064% | 3,524 |
| Tier 1 risk-based capital ratio | 15.6210% | 3,249 |
| Total risk-based capital ratio | 16.8792% | 3,186 |
| Memoranda: | ||
| Average total assets | $54,844,750 | 5,740 |
| Average earning assets | $52,243,250 | 5,676 |
| Average equity | $5,275,500 | 5,853 |
| Average total loans | $35,711,500 | 5,390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 739 |
| Cost of funding earning assets | 0.5839% | 2,039 |
| Net interest margin | 4.4268% | 812 |
| Noninterest income to average assets | 0.5570% | 3,069 |
| Noninterest expense to average assets | 2.7339% | 3,748 |
| Loan and lease loss provision to assets | 0.5461% | 267 |
| Net operating income to assets | 1.1557% | 1,737 |
| Return on assets (ROA) | 1.1613% | 1,788 |
| Pretax return on assets | 1.5071% | 1,515 |
| Return on Equity (ROE) | 12.3174% | 1,347 |
| Retained earnings to average equity (ytd only) | 11.9313% | 432 |
| Net charge-offs to loans | 0.0336% | 3,536 |
| Credit loss provision to net charge-offs | 2,500.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 580 |
| Efficiency ratio | 57.1973% | 5,639 |
| Assets per employee ($millions) | 3.8865% | 4,092 |
| Cash dividends to net income (ytd only)* | 3.1348% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 1,688 |
| Loan loss allowance to noncurrent loans | 72.4213% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 1,721 |
| Noncurrent loans to loans | 2.5632% | 1,204 |
| Net loans and leases to total assets | 64.8123% | 2,942 |
| Net loans and leases to deposits | 72.2199% | 3,545 |
| Net loans and leases to core deposits | 84.2189% | 2,717 |
| Total domestic deposits to total assets | 89.7429% | 942 |
| Equity capital to assets | 9.9447% | 4,183 |
| Core capital (leverage) ratio | 10.0093% | 3,598 |
| Tier 1 risk-based capital ratio | 15.3690% | 3,428 |
| Total risk-based capital ratio | 16.6295% | 3,367 |
| Memoranda: | ||
| Average total assets | $54,939,330 | 5,788 |
| Average earning assets | $52,407,670 | 5,723 |
| Average equity | $5,179,670 | 5,915 |
| Average total loans | $35,666,670 | 5,433 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 821 |
| Cost of funding earning assets | 0.6010% | 1,965 |
| Net interest margin | 4.3289% | 943 |
| Noninterest income to average assets | 0.5000% | 3,409 |
| Noninterest expense to average assets | 2.6882% | 3,971 |
| Loan and lease loss provision to assets | 0.4348% | 372 |
| Net operating income to assets | 1.3205% | 1,161 |
| Return on assets (ROA) | 1.3332% | 1,182 |
| Pretax return on assets | 1.5144% | 1,390 |
| Return on Equity (ROE) | 14.5340% | 854 |
| Retained earnings to average equity (ytd only) | 14.5340% | 358 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1505% | 5,629 |
| Assets per employee ($millions) | 3.5880% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 2,444 |
| Loan loss allowance to noncurrent loans | 70.4463% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7336% | 2,035 |
| Noncurrent loans to loans | 2.3687% | 1,489 |
| Net loans and leases to total assets | 63.9428% | 2,900 |
| Net loans and leases to deposits | 70.9728% | 3,481 |
| Net loans and leases to core deposits | 82.8534% | 2,653 |
| Total domestic deposits to total assets | 90.0948% | 1,019 |
| Equity capital to assets | 9.6711% | 4,267 |
| Core capital (leverage) ratio | 9.6854% | 4,016 |
| Tier 1 risk-based capital ratio | 15.2170% | 3,603 |
| Total risk-based capital ratio | 16.4745% | 3,552 |
| Memoranda: | ||
| Average total assets | $55,203,500 | 5,835 |
| Average earning assets | $52,576,500 | 5,772 |
| Average equity | $5,064,000 | 5,981 |
| Average total loans | $35,534,000 | 5,482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 756 |
| Cost of funding earning assets | 0.5960% | 2,702 |
| Net interest margin | 4.5097% | 725 |
| Noninterest income to average assets | 0.3637% | 4,706 |
| Noninterest expense to average assets | 2.7260% | 4,007 |
| Loan and lease loss provision to assets | 0.6062% | 410 |
| Net operating income to assets | 0.9286% | 2,650 |
| Return on assets (ROA) | 0.9339% | 2,707 |
| Pretax return on assets | 1.3109% | 2,104 |
| Return on Equity (ROE) | 10.1557% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.7437% | 609 |
| Net charge-offs to loans | 1.4946% | 318 |
| Credit loss provision to net charge-offs | 62.8684% | 3,477 |
| Earnings coverage of net charge-offs (x) | 1.9804% | 4,387 |
| Efficiency ratio | 58.8067% | 5,633 |
| Assets per employee ($millions) | 3.7725% | 4,325 |
| Cash dividends to net income (ytd only)* | 4.0568% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 3,415 |
| Loan loss allowance to noncurrent loans | 71.7421% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 2,467 |
| Noncurrent loans to loans | 2.0211% | 1,966 |
| Net loans and leases to total assets | 62.8183% | 3,233 |
| Net loans and leases to deposits | 69.2263% | 3,882 |
| Net loans and leases to core deposits | 80.0464% | 3,128 |
| Total domestic deposits to total assets | 90.7435% | 686 |
| Equity capital to assets | 8.6999% | 5,365 |
| Core capital (leverage) ratio | 9.2817% | 4,586 |
| Tier 1 risk-based capital ratio | 14.1201% | 4,213 |
| Total risk-based capital ratio | 15.3741% | 4,160 |
| Memoranda: | ||
| Average total assets | $52,787,200 | 5,944 |
| Average earning assets | $50,003,800 | 5,890 |
| Average equity | $4,854,400 | 6,103 |
| Average total loans | $34,055,200 | 5,582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 692 |
| Cost of funding earning assets | 0.6065% | 2,759 |
| Net interest margin | 4.5608% | 664 |
| Noninterest income to average assets | 0.2546% | 5,617 |
| Noninterest expense to average assets | 2.7624% | 3,783 |
| Loan and lease loss provision to assets | 0.6559% | 338 |
| Net operating income to assets | 0.8330% | 3,174 |
| Return on assets (ROA) | 0.8256% | 3,343 |
| Pretax return on assets | 1.1394% | 2,949 |
| Return on Equity (ROE) | 8.8478% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.5722% | 1,208 |
| Net charge-offs to loans | 1.9830% | 194 |
| Credit loss provision to net charge-offs | 51.1022% | 3,472 |
| Earnings coverage of net charge-offs (x) | 1.4068% | 4,366 |
| Efficiency ratio | 60.4730% | 5,362 |
| Assets per employee ($millions) | 3.4908% | 4,868 |
| Cash dividends to net income (ytd only)* | 3.1146% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 3,989 |
| Loan loss allowance to noncurrent loans | 50.4320% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 2,020 |
| Noncurrent loans to loans | 2.7349% | 1,540 |
| Net loans and leases to total assets | 63.7714% | 3,031 |
| Net loans and leases to deposits | 70.6365% | 3,695 |
| Net loans and leases to core deposits | 80.8778% | 3,021 |
| Total domestic deposits to total assets | 90.2811% | 849 |
| Equity capital to assets | 9.1689% | 4,976 |
| Core capital (leverage) ratio | 9.6473% | 4,176 |
| Tier 1 risk-based capital ratio | 15.0517% | 3,721 |
| Total risk-based capital ratio | 16.3277% | 3,650 |
| Memoranda: | ||
| Average total assets | $51,837,250 | 6,039 |
| Average earning assets | $49,025,500 | 5,985 |
| Average equity | $4,837,250 | 6,183 |
| Average total loans | $33,551,500 | 5,651 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 802 |
| Cost of funding earning assets | 0.6084% | 2,868 |
| Net interest margin | 4.4710% | 754 |
| Noninterest income to average assets | 0.0271% | 6,736 |
| Noninterest expense to average assets | 2.8377% | 3,555 |
| Loan and lease loss provision to assets | 0.5033% | 540 |
| Net operating income to assets | 0.6726% | 3,943 |
| Return on assets (ROA) | 0.6697% | 4,121 |
| Pretax return on assets | 0.9214% | 3,828 |
| Return on Equity (ROE) | 7.1350% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.7226% | 2,023 |
| Net charge-offs to loans | 2.5053% | 151 |
| Credit loss provision to net charge-offs | 31.0263% | 3,575 |
| Earnings coverage of net charge-offs (x) | 0.8807% | 4,237 |
| Efficiency ratio | 66.5154% | 4,445 |
| Assets per employee ($millions) | 3.4269% | 5,004 |
| Cash dividends to net income (ytd only)* | 5.7803% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 4,801 |
| Loan loss allowance to noncurrent loans | 96.5753% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 4,018 |
| Noncurrent loans to loans | 1.2804% | 3,413 |
| Net loans and leases to total assets | 65.7238% | 2,632 |
| Net loans and leases to deposits | 72.8151% | 3,334 |
| Net loans and leases to core deposits | 83.6320% | 2,609 |
| Total domestic deposits to total assets | 90.2613% | 880 |
| Equity capital to assets | 9.3244% | 4,824 |
| Core capital (leverage) ratio | 9.3241% | 4,502 |
| Tier 1 risk-based capital ratio | 14.5300% | 4,083 |
| Total risk-based capital ratio | 15.8035% | 4,038 |
| Memoranda: | ||
| Average total assets | $51,662,330 | 6,079 |
| Average earning assets | $48,982,330 | 6,022 |
| Average equity | $4,849,330 | 6,228 |
| Average total loans | $33,449,000 | 5,688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 946 |
| Cost of funding earning assets | 0.6052% | 3,064 |
| Net interest margin | 4.3670% | 851 |
| Noninterest income to average assets | 0.3784% | 4,636 |
| Noninterest expense to average assets | 2.8035% | 3,686 |
| Loan and lease loss provision to assets | 0.3862% | 817 |
| Net operating income to assets | 0.8137% | 3,084 |
| Return on assets (ROA) | 0.8187% | 3,198 |
| Pretax return on assets | 1.3207% | 2,157 |
| Return on Equity (ROE) | 8.6930% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.6930% | 1,494 |
| Net charge-offs to loans | 1.8022% | 269 |
| Credit loss provision to net charge-offs | 33.5570% | 2,832 |
| Earnings coverage of net charge-offs (x) | 1.4765% | 3,343 |
| Efficiency ratio | 62.2642% | 5,272 |
| Assets per employee ($millions) | 3.3711% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 2,380 |
| Loan loss allowance to noncurrent loans | 82.8378% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3790% | 1,953 |
| Noncurrent loans to loans | 2.2638% | 2,314 |
| Net loans and leases to total assets | 63.4307% | 2,811 |
| Net loans and leases to deposits | 70.5457% | 3,383 |
| Net loans and leases to core deposits | 81.2704% | 2,661 |
| Total domestic deposits to total assets | 89.9144% | 1,106 |
| Equity capital to assets | 9.7079% | 4,553 |
| Core capital (leverage) ratio | 9.0672% | 4,777 |
| Tier 1 risk-based capital ratio | 15.0347% | 3,817 |
| Total risk-based capital ratio | 16.3239% | 3,742 |
| Memoranda: | ||
| Average total assets | $51,792,000 | 6,132 |
| Average earning assets | $48,912,000 | 6,072 |
| Average equity | $4,877,500 | 6,285 |
| Average total loans | $33,070,000 | 5,747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 1,003 |
| Cost of funding earning assets | 0.7409% | 3,153 |
| Net interest margin | 4.5183% | 911 |
| Noninterest income to average assets | 0.7220% | 2,617 |
| Noninterest expense to average assets | 2.8707% | 3,761 |
| Loan and lease loss provision to assets | 0.6990% | 738 |
| Net operating income to assets | 0.9943% | 2,362 |
| Return on assets (ROA) | 0.9997% | 2,559 |
| Pretax return on assets | 1.4229% | 1,955 |
| Return on Equity (ROE) | 11.4408% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.0025% | 440 |
| Net charge-offs to loans | 0.7091% | 1,666 |
| Credit loss provision to net charge-offs | 153.3613% | 1,766 |
| Earnings coverage of net charge-offs (x) | 4.6387% | 3,301 |
| Efficiency ratio | 57.5874% | 5,885 |
| Assets per employee ($millions) | 3.5345% | 4,944 |
| Cash dividends to net income (ytd only)* | 3.8314% | 4,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1314% | 1,686 |
| Loan loss allowance to noncurrent loans | 118.0464% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 2.1917% | 2,239 |
| Noncurrent loans to loans | 1.8056% | 2,912 |
| Net loans and leases to total assets | 61.7519% | 3,293 |
| Net loans and leases to deposits | 68.4616% | 3,906 |
| Net loans and leases to core deposits | 78.9424% | 3,150 |
| Total domestic deposits to total assets | 90.1994% | 847 |
| Equity capital to assets | 9.1405% | 5,346 |
| Core capital (leverage) ratio | 8.7761% | 5,215 |
| Tier 1 risk-based capital ratio | 14.1215% | 4,298 |
| Total risk-based capital ratio | 15.4061% | 4,229 |
| Memoranda: | ||
| Average total assets | $52,217,400 | 6,144 |
| Average earning assets | $49,266,600 | 6,078 |
| Average equity | $4,562,600 | 6,428 |
| Average total loans | $33,561,600 | 5,774 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 1,053 |
| Cost of funding earning assets | 0.7980% | 2,963 |
| Net interest margin | 4.4783% | 1,031 |
| Noninterest income to average assets | 0.7305% | 2,567 |
| Noninterest expense to average assets | 2.8913% | 3,634 |
| Loan and lease loss provision to assets | 0.7818% | 617 |
| Net operating income to assets | 0.9275% | 2,842 |
| Return on assets (ROA) | 0.9330% | 3,048 |
| Pretax return on assets | 1.2944% | 2,630 |
| Return on Equity (ROE) | 10.8047% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.8047% | 719 |
| Net charge-offs to loans | 0.9487% | 1,131 |
| Credit loss provision to net charge-offs | 127.6151% | 2,256 |
| Earnings coverage of net charge-offs (x) | 3.3765% | 3,673 |
| Efficiency ratio | 58.2946% | 5,750 |
| Assets per employee ($millions) | 3.4631% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 2,246 |
| Loan loss allowance to noncurrent loans | 89.3004% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.0618% | 2,573 |
| Noncurrent loans to loans | 2.2108% | 2,605 |
| Net loans and leases to total assets | 62.2242% | 3,342 |
| Net loans and leases to deposits | 69.0441% | 4,019 |
| Net loans and leases to core deposits | 81.8739% | 2,975 |
| Total domestic deposits to total assets | 90.1224% | 781 |
| Equity capital to assets | 9.0864% | 5,733 |
| Core capital (leverage) ratio | 8.7407% | 5,414 |
| Tier 1 risk-based capital ratio | 13.9141% | 4,594 |
| Total risk-based capital ratio | 15.2006% | 4,516 |
| Memoranda: | ||
| Average total assets | $52,017,500 | 6,219 |
| Average earning assets | $49,124,500 | 6,156 |
| Average equity | $4,491,750 | 6,514 |
| Average total loans | $33,589,000 | 5,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 1,077 |
| Cost of funding earning assets | 0.8299% | 2,951 |
| Net interest margin | 4.4586% | 1,064 |
| Noninterest income to average assets | 0.7148% | 2,580 |
| Noninterest expense to average assets | 2.9323% | 3,503 |
| Loan and lease loss provision to assets | 0.8647% | 557 |
| Net operating income to assets | 0.8217% | 3,294 |
| Return on assets (ROA) | 0.8301% | 3,507 |
| Pretax return on assets | 1.1414% | 3,149 |
| Return on Equity (ROE) | 9.7833% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.7833% | 1,039 |
| Net charge-offs to loans | 0.9351% | 1,182 |
| Credit loss provision to net charge-offs | 142.4051% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.2848% | 3,428 |
| Efficiency ratio | 59.5164% | 5,652 |
| Assets per employee ($millions) | 3.2000% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 2,426 |
| Loan loss allowance to noncurrent loans | 51.9968% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.9902% | 1,844 |
| Noncurrent loans to loans | 3.7255% | 1,517 |
| Net loans and leases to total assets | 64.3652% | 2,958 |
| Net loans and leases to deposits | 71.1218% | 3,749 |
| Net loans and leases to core deposits | 84.4913% | 2,630 |
| Total domestic deposits to total assets | 90.5000% | 663 |
| Equity capital to assets | 8.8887% | 5,820 |
| Core capital (leverage) ratio | 8.3176% | 5,884 |
| Tier 1 risk-based capital ratio | 13.4227% | 4,891 |
| Total risk-based capital ratio | 14.7126% | 4,813 |
| Memoranda: | ||
| Average total assets | $52,041,330 | 6,260 |
| Average earning assets | $49,163,000 | 6,191 |
| Average equity | $4,415,670 | 6,567 |
| Average total loans | $33,794,000 | 5,880 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1997% | 1,319 |
| Cost of funding earning assets | 0.8639% | 2,962 |
| Net interest margin | 4.3358% | 1,364 |
| Noninterest income to average assets | 0.7930% | 2,196 |
| Noninterest expense to average assets | 2.7982% | 4,034 |
| Loan and lease loss provision to assets | 1.0293% | 396 |
| Net operating income to assets | 0.7464% | 3,643 |
| Return on assets (ROA) | 0.7625% | 3,799 |
| Pretax return on assets | 1.0827% | 3,392 |
| Return on Equity (ROE) | 9.1996% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.1996% | 1,513 |
| Net charge-offs to loans | 1.9122% | 499 |
| Credit loss provision to net charge-offs | 83.3333% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.6914% | 3,483 |
| Efficiency ratio | 57.2543% | 6,011 |
| Assets per employee ($millions) | 3.5106% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 3,464 |
| Loan loss allowance to noncurrent loans | 57.1282% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 2,495 |
| Noncurrent loans to loans | 2.9234% | 2,219 |
| Net loans and leases to total assets | 62.2781% | 3,201 |
| Net loans and leases to deposits | 68.2888% | 4,014 |
| Net loans and leases to core deposits | 80.5873% | 2,996 |
| Total domestic deposits to total assets | 91.1981% | 477 |
| Equity capital to assets | 8.3556% | 6,217 |
| Core capital (leverage) ratio | 8.0801% | 6,181 |
| Tier 1 risk-based capital ratio | 13.2472% | 5,033 |
| Total risk-based capital ratio | 14.5330% | 4,987 |
| Memoranda: | ||
| Average total assets | $52,462,000 | 6,291 |
| Average earning assets | $49,541,500 | 6,219 |
| Average equity | $4,348,000 | 6,621 |
| Average total loans | $33,888,000 | 5,917 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 1,009 |
| Cost of funding earning assets | 1.1660% | 2,244 |
| Net interest margin | 4.4060% | 1,385 |
| Noninterest income to average assets | 0.8255% | 1,945 |
| Noninterest expense to average assets | 2.9374% | 3,815 |
| Loan and lease loss provision to assets | 0.8215% | 1,186 |
| Net operating income to assets | 0.8044% | 3,018 |
| Return on assets (ROA) | 0.8135% | 3,154 |
| Pretax return on assets | 1.2523% | 2,290 |
| Return on Equity (ROE) | 10.0759% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.0759% | 548 |
| Net charge-offs to loans | 0.9251% | 1,878 |
| Credit loss provision to net charge-offs | 126.1538% | 2,470 |
| Earnings coverage of net charge-offs (x) | 3.1631% | 3,628 |
| Efficiency ratio | 58.7811% | 5,936 |
| Assets per employee ($millions) | 3.7332% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 3,204 |
| Loan loss allowance to noncurrent loans | 63.1749% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.4261% | 2,509 |
| Noncurrent loans to loans | 2.6900% | 2,418 |
| Net loans and leases to total assets | 64.7450% | 3,034 |
| Net loans and leases to deposits | 71.0172% | 3,949 |
| Net loans and leases to core deposits | 83.7931% | 2,915 |
| Total domestic deposits to total assets | 91.1681% | 437 |
| Equity capital to assets | 8.2196% | 6,420 |
| Core capital (leverage) ratio | 8.0223% | 6,241 |
| Tier 1 risk-based capital ratio | 12.4764% | 5,471 |
| Total risk-based capital ratio | 13.7627% | 5,426 |
| Memoranda: | ||
| Average total assets | $49,908,400 | 6,370 |
| Average earning assets | $47,254,000 | 6,282 |
| Average equity | $4,029,400 | 6,743 |
| Average total loans | $35,130,800 | 5,908 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 1,092 |
| Cost of funding earning assets | 1.2139% | 2,236 |
| Net interest margin | 4.3599% | 1,531 |
| Noninterest income to average assets | 0.8381% | 1,886 |
| Noninterest expense to average assets | 3.0278% | 3,450 |
| Loan and lease loss provision to assets | 0.8651% | 1,051 |
| Net operating income to assets | 0.7110% | 3,553 |
| Return on assets (ROA) | 0.7110% | 3,725 |
| Pretax return on assets | 1.0814% | 3,090 |
| Return on Equity (ROE) | 8.8489% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.8489% | 1,204 |
| Net charge-offs to loans | 0.9327% | 1,729 |
| Credit loss provision to net charge-offs | 129.5547% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.9149% | 3,685 |
| Efficiency ratio | 60.8696% | 5,580 |
| Assets per employee ($millions) | 3.3765% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 3,433 |
| Loan loss allowance to noncurrent loans | 37.7222% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 3.6745% | 1,704 |
| Noncurrent loans to loans | 4.3835% | 1,484 |
| Net loans and leases to total assets | 67.2893% | 2,613 |
| Net loans and leases to deposits | 73.8398% | 3,676 |
| Net loans and leases to core deposits | 87.5935% | 2,548 |
| Total domestic deposits to total assets | 91.1288% | 397 |
| Equity capital to assets | 8.2019% | 6,561 |
| Core capital (leverage) ratio | 7.9300% | 6,452 |
| Tier 1 risk-based capital ratio | 11.9413% | 5,933 |
| Total risk-based capital ratio | 13.2265% | 5,897 |
| Memoranda: | ||
| Average total assets | $49,319,250 | 6,446 |
| Average earning assets | $46,789,000 | 6,353 |
| Average equity | $3,962,750 | 6,814 |
| Average total loans | $35,307,500 | 5,958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 1,221 |
| Cost of funding earning assets | 1.2351% | 2,352 |
| Net interest margin | 4.2992% | 1,658 |
| Noninterest income to average assets | 0.8634% | 1,761 |
| Noninterest expense to average assets | 3.1549% | 3,066 |
| Loan and lease loss provision to assets | 0.8593% | 1,050 |
| Net operating income to assets | 0.6997% | 3,549 |
| Return on assets (ROA) | 0.6997% | 3,660 |
| Pretax return on assets | 0.9371% | 3,483 |
| Return on Equity (ROE) | 8.7715% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.7715% | 1,187 |
| Net charge-offs to loans | 1.1259% | 1,392 |
| Credit loss provision to net charge-offs | 105.0000% | 2,936 |
| Earnings coverage of net charge-offs (x) | 2.1950% | 3,740 |
| Efficiency ratio | 63.7190% | 5,291 |
| Assets per employee ($millions) | 3.0924% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,433 |
| Loan loss allowance to noncurrent loans | 35.3675% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.2600% | 2,054 |
| Noncurrent loans to loans | 4.0497% | 1,708 |
| Net loans and leases to total assets | 70.9366% | 2,019 |
| Net loans and leases to deposits | 77.6917% | 3,182 |
| Net loans and leases to core deposits | 92.5507% | 2,067 |
| Total domestic deposits to total assets | 91.3052% | 392 |
| Equity capital to assets | 8.1592% | 6,544 |
| Core capital (leverage) ratio | 7.8521% | 6,456 |
| Tier 1 risk-based capital ratio | 11.4513% | 6,202 |
| Total risk-based capital ratio | 12.5501% | 6,310 |
| Memoranda: | ||
| Average total assets | $48,876,670 | 6,515 |
| Average earning assets | $46,473,670 | 6,425 |
| Average equity | $3,899,000 | 6,873 |
| Average total loans | $35,525,670 | 5,991 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3835% | 1,628 |
| Cost of funding earning assets | 1.2962% | 2,201 |
| Net interest margin | 4.0873% | 2,316 |
| Noninterest income to average assets | 0.9387% | 1,507 |
| Noninterest expense to average assets | 3.3020% | 2,555 |
| Loan and lease loss provision to assets | 0.7411% | 1,145 |
| Net operating income to assets | 0.5352% | 4,329 |
| Return on assets (ROA) | 0.5352% | 4,414 |
| Pretax return on assets | 0.7905% | 3,932 |
| Return on Equity (ROE) | 6.7885% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.7885% | 2,240 |
| Net charge-offs to loans | 0.3156% | 2,788 |
| Credit loss provision to net charge-offs | 321.4286% | 1,014 |
| Earnings coverage of net charge-offs (x) | 6.6429% | 2,066 |
| Efficiency ratio | 68.3135% | 4,595 |
| Assets per employee ($millions) | 3.0769% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,990 |
| Loan loss allowance to noncurrent loans | 29.7669% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 4.1904% | 1,571 |
| Noncurrent loans to loans | 5.1855% | 1,290 |
| Net loans and leases to total assets | 72.8139% | 1,552 |
| Net loans and leases to deposits | 79.3461% | 2,836 |
| Net loans and leases to core deposits | 94.5133% | 1,827 |
| Total domestic deposits to total assets | 91.7674% | 348 |
| Equity capital to assets | 7.8772% | 6,613 |
| Core capital (leverage) ratio | 7.7062% | 6,553 |
| Tier 1 risk-based capital ratio | 10.8611% | 6,605 |
| Total risk-based capital ratio | 12.1441% | 6,555 |
| Memoranda: | ||
| Average total assets | $48,576,000 | 6,568 |
| Average earning assets | $46,290,000 | 6,478 |
| Average equity | $3,830,000 | 6,928 |
| Average total loans | $35,484,500 | 6,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 1,092 |
| Cost of funding earning assets | 1.8588% | 972 |
| Net interest margin | 4.0174% | 2,940 |
| Noninterest income to average assets | 0.8746% | 1,953 |
| Noninterest expense to average assets | 3.0390% | 3,700 |
| Loan and lease loss provision to assets | 0.7819% | 2,090 |
| Net operating income to assets | 0.6470% | 3,455 |
| Return on assets (ROA) | 0.7416% | 3,162 |
| Pretax return on assets | 0.9572% | 3,077 |
| Return on Equity (ROE) | 10.1027% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.1027% | 504 |
| Net charge-offs to loans | 1.1160% | 1,995 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 2.0670% | 4,174 |
| Efficiency ratio | 65.2814% | 5,115 |
| Assets per employee ($millions) | 2.9951% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,301 |
| Loan loss allowance to noncurrent loans | 67.9348% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.0659% | 3,267 |
| Noncurrent loans to loans | 2.1296% | 3,396 |
| Net loans and leases to total assets | 71.0753% | 2,285 |
| Net loans and leases to deposits | 77.6243% | 3,570 |
| Net loans and leases to core deposits | 91.6922% | 2,533 |
| Total domestic deposits to total assets | 91.5632% | 383 |
| Equity capital to assets | 7.8922% | 6,590 |
| Core capital (leverage) ratio | 7.5964% | 6,621 |
| Tier 1 risk-based capital ratio | 11.1044% | 6,246 |
| Total risk-based capital ratio | 12.3848% | 6,200 |
| Memoranda: | ||
| Average total assets | $49,621,800 | 6,552 |
| Average earning assets | $46,696,800 | 6,490 |
| Average equity | $3,642,600 | 7,097 |
| Average total loans | $34,768,000 | 6,165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8727% | 1,199 |
| Cost of funding earning assets | 2.0087% | 728 |
| Net interest margin | 3.8640% | 3,684 |
| Noninterest income to average assets | 0.8818% | 1,866 |
| Noninterest expense to average assets | 3.0770% | 3,442 |
| Loan and lease loss provision to assets | 0.6660% | 2,300 |
| Net operating income to assets | 0.6632% | 3,588 |
| Return on assets (ROA) | 0.8046% | 3,132 |
| Pretax return on assets | 0.9245% | 3,471 |
| Return on Equity (ROE) | 11.1610% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.1610% | 582 |
| Net charge-offs to loans | 1.2024% | 1,694 |
| Credit loss provision to net charge-offs | 79.6178% | 5,152 |
| Earnings coverage of net charge-offs (x) | 1.7070% | 4,420 |
| Efficiency ratio | 68.3028% | 4,406 |
| Assets per employee ($millions) | 2.9891% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 5,298 |
| Loan loss allowance to noncurrent loans | 59.6443% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 3,094 |
| Noncurrent loans to loans | 2.0756% | 3,593 |
| Net loans and leases to total assets | 72.7277% | 2,068 |
| Net loans and leases to deposits | 79.5818% | 3,530 |
| Net loans and leases to core deposits | 94.8747% | 2,404 |
| Total domestic deposits to total assets | 91.3873% | 336 |
| Equity capital to assets | 7.9707% | 6,820 |
| Core capital (leverage) ratio | 7.4030% | 6,937 |
| Tier 1 risk-based capital ratio | 10.6071% | 6,702 |
| Total risk-based capital ratio | 11.8788% | 6,676 |
| Memoranda: | ||
| Average total assets | $50,047,000 | 6,609 |
| Average earning assets | $46,928,000 | 6,561 |
| Average equity | $3,607,750 | 7,201 |
| Average total loans | $34,820,000 | 6,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 1,522 |
| Cost of funding earning assets | 1.8581% | 1,390 |
| Net interest margin | 3.9053% | 3,420 |
| Noninterest income to average assets | 0.8348% | 1,943 |
| Noninterest expense to average assets | 2.9259% | 3,975 |
| Loan and lease loss provision to assets | 0.6891% | 2,102 |
| Net operating income to assets | 0.8210% | 2,872 |
| Return on assets (ROA) | 0.8506% | 2,880 |
| Pretax return on assets | 0.9097% | 3,454 |
| Return on Equity (ROE) | 12.2045% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.2045% | 461 |
| Net charge-offs to loans | 1.5914% | 1,190 |
| Credit loss provision to net charge-offs | 63.4058% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4420% | 4,407 |
| Efficiency ratio | 65.1183% | 5,128 |
| Assets per employee ($millions) | 3.1963% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,637 |
| Loan loss allowance to noncurrent loans | 92.7907% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 4,131 |
| Noncurrent loans to loans | 1.2539% | 4,872 |
| Net loans and leases to total assets | 66.2788% | 3,770 |
| Net loans and leases to deposits | 74.1734% | 4,651 |
| Net loans and leases to core deposits | 88.9142% | 3,420 |
| Total domestic deposits to total assets | 89.3567% | 1,251 |
| Equity capital to assets | 7.2272% | 7,264 |
| Core capital (leverage) ratio | 6.8772% | 7,248 |
| Tier 1 risk-based capital ratio | 10.3889% | 6,773 |
| Total risk-based capital ratio | 11.5619% | 6,809 |
| Memoranda: | ||
| Average total assets | $50,787,670 | 6,623 |
| Average earning assets | $47,576,000 | 6,568 |
| Average equity | $3,539,670 | 7,255 |
| Average total loans | $34,687,330 | 6,301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7841% | 1,509 |
| Cost of funding earning assets | 1.8604% | 1,613 |
| Net interest margin | 3.9237% | 3,229 |
| Noninterest income to average assets | 0.8536% | 1,801 |
| Noninterest expense to average assets | 2.9321% | 3,943 |
| Loan and lease loss provision to assets | 0.7903% | 1,599 |
| Net operating income to assets | 0.6176% | 3,821 |
| Return on assets (ROA) | 0.6481% | 3,794 |
| Pretax return on assets | 0.8378% | 3,720 |
| Return on Equity (ROE) | 9.4757% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.4757% | 1,275 |
| Net charge-offs to loans | 3.0616% | 499 |
| Credit loss provision to net charge-offs | 37.4532% | 4,685 |
| Earnings coverage of net charge-offs (x) | 0.7528% | 4,356 |
| Efficiency ratio | 64.8601% | 5,330 |
| Assets per employee ($millions) | 3.4482% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,675 |
| Loan loss allowance to noncurrent loans | 71.9222% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5332% | 4,206 |
| Noncurrent loans to loans | 1.3198% | 4,774 |
| Net loans and leases to total assets | 67.1829% | 3,584 |
| Net loans and leases to deposits | 74.6712% | 4,648 |
| Net loans and leases to core deposits | 89.1686% | 3,475 |
| Total domestic deposits to total assets | 89.9716% | 1,001 |
| Equity capital to assets | 6.8151% | 7,446 |
| Core capital (leverage) ratio | 6.6925% | 7,392 |
| Tier 1 risk-based capital ratio | 9.7197% | 7,198 |
| Total risk-based capital ratio | 10.6722% | 7,341 |
| Memoranda: | ||
| Average total assets | $50,611,500 | 6,714 |
| Average earning assets | $47,302,000 | 6,655 |
| Average equity | $3,461,500 | 7,356 |
| Average total loans | $34,884,000 | 6,378 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 2,122 |
| Cost of funding earning assets | 2.6332% | 701 |
| Net interest margin | 3.2985% | 5,754 |
| Noninterest income to average assets | 1.1251% | 1,216 |
| Noninterest expense to average assets | 2.8764% | 4,629 |
| Loan and lease loss provision to assets | 1.3756% | 1,667 |
| Net operating income to assets | -0.0433% | 5,574 |
| Return on assets (ROA) | -0.1769% | 5,813 |
| Pretax return on assets | -0.2107% | 5,717 |
| Return on Equity (ROE) | -2.5376% | 5,927 |
| Retained earnings to average equity (ytd only) | -3.1079% | 5,724 |
| Net charge-offs to loans | 1.5120% | 1,660 |
| Credit loss provision to net charge-offs | 136.4892% | 3,619 |
| Earnings coverage of net charge-offs (x) | 1.3136% | 4,814 |
| Efficiency ratio | 68.4808% | 4,924 |
| Assets per employee ($millions) | 3.3000% | 5,488 |
| Cash dividends to net income (ytd only)* | -22.4719% | 7,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 4,024 |
| Loan loss allowance to noncurrent loans | 65.0195% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.6101% | 3,958 |
| Noncurrent loans to loans | 2.2170% | 3,379 |
| Net loans and leases to total assets | 69.0626% | 3,474 |
| Net loans and leases to deposits | 77.0788% | 4,547 |
| Net loans and leases to core deposits | 113.6692% | 2,535 |
| Total domestic deposits to total assets | 89.6000% | 1,158 |
| Equity capital to assets | 6.8646% | 7,434 |
| Core capital (leverage) ratio | 6.5875% | 7,451 |
| Tier 1 risk-based capital ratio | 9.7666% | 7,048 |
| Total risk-based capital ratio | 11.0411% | 7,014 |
| Memoranda: | ||
| Average total assets | $50,306,800 | 6,693 |
| Average earning assets | $46,900,600 | 6,641 |
| Average equity | $3,507,200 | 7,442 |
| Average total loans | $33,532,600 | 6,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8780% | 2,543 |
| Cost of funding earning assets | 2.7444% | 698 |
| Net interest margin | 3.1336% | 6,219 |
| Noninterest income to average assets | 1.2169% | 1,038 |
| Noninterest expense to average assets | 2.7506% | 5,105 |
| Loan and lease loss provision to assets | 0.6335% | 2,858 |
| Net operating income to assets | 0.4738% | 4,103 |
| Return on assets (ROA) | 0.3353% | 4,754 |
| Pretax return on assets | 0.5280% | 4,431 |
| Return on Equity (ROE) | 4.7908% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.4136% | 2,803 |
| Net charge-offs to loans | 1.3034% | 1,566 |
| Credit loss provision to net charge-offs | 73.8462% | 5,906 |
| Earnings coverage of net charge-offs (x) | 1.6062% | 4,595 |
| Efficiency ratio | 66.6240% | 5,263 |
| Assets per employee ($millions) | 3.4181% | 5,129 |
| Cash dividends to net income (ytd only)* | 7.8722% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 7,470 |
| Loan loss allowance to noncurrent loans | 84.5588% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 5,920 |
| Noncurrent loans to loans | 0.7791% | 5,741 |
| Net loans and leases to total assets | 67.6484% | 4,034 |
| Net loans and leases to deposits | 75.9947% | 5,044 |
| Net loans and leases to core deposits | 116.2060% | 2,599 |
| Total domestic deposits to total assets | 89.0172% | 1,183 |
| Equity capital to assets | 7.0742% | 7,563 |
| Core capital (leverage) ratio | 6.9966% | 7,440 |
| Tier 1 risk-based capital ratio | 10.2737% | 6,711 |
| Total risk-based capital ratio | 10.9404% | 7,200 |
| Memoranda: | ||
| Average total assets | $50,508,500 | 6,735 |
| Average earning assets | $46,931,250 | 6,692 |
| Average equity | $3,534,500 | 7,500 |
| Average total loans | $33,244,250 | 6,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,609 |
| Cost of funding earning assets | 2.8586% | 674 |
| Net interest margin | 3.0356% | 6,450 |
| Noninterest income to average assets | 1.2059% | 1,074 |
| Noninterest expense to average assets | 2.6585% | 5,526 |
| Loan and lease loss provision to assets | 0.6368% | 2,522 |
| Net operating income to assets | 0.3486% | 4,685 |
| Return on assets (ROA) | 0.0557% | 5,785 |
| Pretax return on assets | 0.2507% | 5,326 |
| Return on Equity (ROE) | 0.7992% | 5,692 |
| Retained earnings to average equity (ytd only) | 0.2283% | 5,123 |
| Net charge-offs to loans | 1.3950% | 1,344 |
| Credit loss provision to net charge-offs | 70.1754% | 5,412 |
| Earnings coverage of net charge-offs (x) | 1.4825% | 4,421 |
| Efficiency ratio | 66.4016% | 5,478 |
| Assets per employee ($millions) | 3.3055% | 5,306 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 7,326 |
| Loan loss allowance to noncurrent loans | 75.6098% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 5,602 |
| Noncurrent loans to loans | 0.9799% | 5,248 |
| Net loans and leases to total assets | 67.0122% | 4,357 |
| Net loans and leases to deposits | 75.1362% | 5,300 |
| Net loans and leases to core deposits | 108.5746% | 3,543 |
| Total domestic deposits to total assets | 89.1876% | 1,178 |
| Equity capital to assets | 6.8775% | 7,668 |
| Core capital (leverage) ratio | 6.7818% | 7,666 |
| Tier 1 risk-based capital ratio | 10.3300% | 6,565 |
| Total risk-based capital ratio | 11.0736% | 7,050 |
| Memoranda: | ||
| Average total assets | $50,254,330 | 6,816 |
| Average earning assets | $46,316,670 | 6,785 |
| Average equity | $3,503,670 | 7,575 |
| Average total loans | $32,687,670 | 6,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8028% | 3,285 |
| Cost of funding earning assets | 2.9014% | 767 |
| Net interest margin | 2.9014% | 6,743 |
| Noninterest income to average assets | 1.1148% | 1,191 |
| Noninterest expense to average assets | 2.5380% | 5,696 |
| Loan and lease loss provision to assets | 0.7907% | 1,628 |
| Net operating income to assets | 0.2748% | 5,386 |
| Return on assets (ROA) | 0.4823% | 4,696 |
| Pretax return on assets | 0.7828% | 4,141 |
| Return on Equity (ROE) | 6.8723% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.8723% | 2,254 |
| Net charge-offs to loans | 1.9570% | 738 |
| Credit loss provision to net charge-offs | 63.2911% | 4,466 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,268 |
| Efficiency ratio | 67.0146% | 5,142 |
| Assets per employee ($millions) | 3.4556% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 7,181 |
| Loan loss allowance to noncurrent loans | 177.2414% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 6,410 |
| Noncurrent loans to loans | 0.4477% | 6,301 |
| Net loans and leases to total assets | 61.9844% | 5,328 |
| Net loans and leases to deposits | 69.2465% | 6,052 |
| Net loans and leases to core deposits | 101.8804% | 4,359 |
| Total domestic deposits to total assets | 89.5127% | 999 |
| Equity capital to assets | 6.8565% | 7,745 |
| Core capital (leverage) ratio | 6.6602% | 7,813 |
| Tier 1 risk-based capital ratio | 10.7737% | 6,116 |
| Total risk-based capital ratio | 11.5676% | 6,500 |
| Memoranda: | ||
| Average total assets | $50,590,500 | 6,842 |
| Average earning assets | $46,598,500 | 6,817 |
| Average equity | $3,550,500 | 7,608 |
| Average total loans | $32,294,500 | 6,631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6440% | 2,270 |
| Cost of funding earning assets | 3.0898% | 1,535 |
| Net interest margin | 3.5542% | 5,077 |
| Noninterest income to average assets | 1.0514% | 1,419 |
| Noninterest expense to average assets | 2.9129% | 4,405 |
| Loan and lease loss provision to assets | 0.2546% | 4,375 |
| Net operating income to assets | 0.7579% | 3,623 |
| Return on assets (ROA) | 0.7769% | 3,375 |
| Pretax return on assets | 1.1820% | 2,713 |
| Return on Equity (ROE) | 10.7261% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.1149% | 432 |
| Net charge-offs to loans | 0.2508% | 3,767 |
| Credit loss provision to net charge-offs | 151.3158% | 3,465 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 2,896 |
| Efficiency ratio | 67.4180% | 4,836 |
| Assets per employee ($millions) | 3.2898% | 5,239 |
| Cash dividends to net income (ytd only)* | 5.6980% | 4,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,221 |
| Loan loss allowance to noncurrent loans | 240.4580% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 6,169 |
| Noncurrent loans to loans | 0.4068% | 6,124 |
| Net loans and leases to total assets | 64.6199% | 5,147 |
| Net loans and leases to deposits | 72.6610% | 5,984 |
| Net loans and leases to core deposits | 108.8662% | 3,875 |
| Total domestic deposits to total assets | 88.9335% | 1,072 |
| Equity capital to assets | 7.1879% | 7,632 |
| Core capital (leverage) ratio | 7.0699% | 7,642 |
| Tier 1 risk-based capital ratio | 10.9485% | 5,774 |
| Total risk-based capital ratio | 11.9549% | 5,904 |
| Memoranda: | ||
| Average total assets | $45,177,600 | 6,983 |
| Average earning assets | $41,556,400 | 6,965 |
| Average equity | $3,272,400 | 7,757 |
| Average total loans | $30,304,600 | 6,688 |