Home > Bank of Montgomery > Performance and Condition Ratios
Bank of Montgomery, Performance and Condition Ratios
| 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 | 1.7950% | 4,661 |
| Cost of funding earning assets | 0.6073% | 3,360 |
| Net interest margin | 1.1877% | 4,652 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9947% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.7300% | 4,609 |
| Return on assets (ROA) | -0.7300% | 4,600 |
| Pretax return on assets | -0.7300% | 4,586 |
| Return on Equity (ROE) | -13.7700% | 4,617 |
| Retained earnings to average equity (ytd only) | -13.7738% | 4,536 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 157.7181% | 36 |
| Assets per employee ($millions) | 15.8413% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 865 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 13.8100% | 4,558 |
| Net loans and leases to deposits | 14.6257% | 4,565 |
| Net loans and leases to core deposits | 15.4110% | 4,555 |
| Total domestic deposits to total assets | 94.4400% | 134 |
| Equity capital to assets | 5.4941% | 4,341 |
| Core capital (leverage) ratio | 7.8860% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.9544% | 113 |
| Memoranda: | ||
| Average total assets | $47,125,500 | 4,437 |
| Average earning assets | $44,791,500 | 4,401 |
| Average equity | $2,497,500 | 4,572 |
| Average total loans | $7,145,000 | 4,563 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7101% | 4,639 |
| Cost of funding earning assets | 0.4640% | 1,624 |
| Net interest margin | 1.2461% | 4,658 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.5462% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.1720% | 4,605 |
| Return on assets (ROA) | -0.1720% | 4,593 |
| Pretax return on assets | -0.1720% | 4,584 |
| Return on Equity (ROE) | -2.8600% | 4,599 |
| Retained earnings to average equity (ytd only) | -4.0858% | 4,550 |
| Net charge-offs to loans | 0.9160% | 71 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -1.0513% | 4,681 |
| Efficiency ratio | 112.5191% | 80 |
| Assets per employee ($millions) | 15.5757% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 1,288 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 16.0500% | 4,576 |
| Net loans and leases to deposits | 16.9269% | 4,585 |
| Net loans and leases to core deposits | 17.8072% | 4,573 |
| Total domestic deposits to total assets | 94.8500% | 156 |
| Equity capital to assets | 5.1020% | 4,343 |
| Core capital (leverage) ratio | 8.1666% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3947% | 126 |
| Memoranda: | ||
| Average total assets | $47,664,800 | 4,460 |
| Average earning assets | $45,903,000 | 4,418 |
| Average equity | $2,863,600 | 4,622 |
| Average total loans | $8,515,200 | 4,583 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6973% | 4,648 |
| Cost of funding earning assets | 0.4532% | 966 |
| Net interest margin | 1.2441% | 4,672 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.4864% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1169% | 4,628 |
| Return on assets (ROA) | -0.1169% | 4,605 |
| Pretax return on assets | -0.1169% | 4,601 |
| Return on Equity (ROE) | -1.8800% | 4,617 |
| Retained earnings to average equity (ytd only) | -2.7707% | 4,525 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 108.5366% | 102 |
| Assets per employee ($millions) | 15.6000% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 254 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 16.4600% | 4,612 |
| Net loans and leases to deposits | 17.3075% | 4,624 |
| Net loans and leases to core deposits | 18.1990% | 4,612 |
| Total domestic deposits to total assets | 95.0900% | 206 |
| Equity capital to assets | 4.8355% | 4,323 |
| Core capital (leverage) ratio | 8.1971% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3578% | 128 |
| Memoranda: | ||
| Average total assets | $47,899,250 | 4,495 |
| Average earning assets | $46,190,000 | 4,451 |
| Average equity | $2,983,500 | 4,656 |
| Average total loans | $8,740,500 | 4,616 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6768% | 4,686 |
| Cost of funding earning assets | 0.4374% | 734 |
| Net interest margin | 1.2394% | 4,711 |
| Noninterest income to average assets | 0.1492% | 4,269 |
| Noninterest expense to average assets | 1.4835% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1367% | 4,624 |
| Return on assets (ROA) | -0.1367% | 4,596 |
| Pretax return on assets | -0.1367% | 4,583 |
| Return on Equity (ROE) | -2.0474% | 4,617 |
| Retained earnings to average equity (ytd only) | -3.2882% | 4,469 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1538% | 111 |
| Assets per employee ($millions) | 15.7163% | 175 |
| Cash dividends to net income (ytd only)* | -60.6061% | 4,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2560% | 346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 17.4595% | 4,670 |
| Net loans and leases to deposits | 18.5314% | 4,680 |
| Net loans and leases to core deposits | 19.3817% | 4,676 |
| Total domestic deposits to total assets | 94.2162% | 252 |
| Equity capital to assets | 5.7138% | 4,298 |
| Core capital (leverage) ratio | 7.9605% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7470% | 101 |
| Memoranda: | ||
| Average total assets | $48,265,667 | 4,534 |
| Average earning assets | $46,637,333 | 4,500 |
| Average equity | $3,223,667 | 4,675 |
| Average total loans | $9,023,333 | 4,677 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5988% | 4,703 |
| Cost of funding earning assets | 0.4484% | 664 |
| Net interest margin | 1.1505% | 4,737 |
| Noninterest income to average assets | 0.1475% | 4,272 |
| Noninterest expense to average assets | 1.4337% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1720% | 4,629 |
| Return on assets (ROA) | -0.1720% | 4,613 |
| Pretax return on assets | -0.1720% | 4,608 |
| Return on Equity (ROE) | -2.4079% | 4,650 |
| Retained earnings to average equity (ytd only) | -3.0959% | 4,318 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6364% | 109 |
| Assets per employee ($millions) | 16.3890% | 159 |
| Cash dividends to net income (ytd only)* | -28.5714% | 4,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 17.6256% | 4,692 |
| Net loans and leases to deposits | 18.8044% | 4,700 |
| Net loans and leases to core deposits | 19.6343% | 4,698 |
| Total domestic deposits to total assets | 93.7316% | 140 |
| Equity capital to assets | 6.2135% | 4,528 |
| Core capital (leverage) ratio | 7.8220% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6767% | 118 |
| Memoranda: | ||
| Average total assets | $48,824,000 | 4,549 |
| Average earning assets | $47,284,000 | 4,513 |
| Average equity | $3,488,500 | 4,687 |
| Average total loans | $9,324,000 | 4,694 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8661% | 4,703 |
| Cost of funding earning assets | 0.4841% | 994 |
| Net interest margin | 1.3821% | 4,741 |
| Noninterest income to average assets | 0.1766% | 4,271 |
| Noninterest expense to average assets | 1.7149% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1762% | 4,720 |
| Return on assets (ROA) | 0.0383% | 4,673 |
| Pretax return on assets | 0.0426% | 4,672 |
| Return on Equity (ROE) | 0.4418% | 4,664 |
| Retained earnings to average equity (ytd only) | 0.2945% | 4,419 |
| Net charge-offs to loans | -0.0095% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8852% | 86 |
| Assets per employee ($millions) | 12.1203% | 385 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 19.8057% | 4,718 |
| Net loans and leases to deposits | 21.5577% | 4,732 |
| Net loans and leases to core deposits | 22.5404% | 4,724 |
| Total domestic deposits to total assets | 91.8731% | 214 |
| Equity capital to assets | 8.0898% | 4,315 |
| Core capital (leverage) ratio | 8.0773% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9560% | 159 |
| Memoranda: | ||
| Average total assets | $47,001,000 | 4,592 |
| Average earning assets | $45,655,600 | 4,553 |
| Average equity | $4,074,400 | 4,699 |
| Average total loans | $10,493,200 | 4,722 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9639% | 4,770 |
| Cost of funding earning assets | 0.4947% | 1,074 |
| Net interest margin | 1.4692% | 4,811 |
| Noninterest income to average assets | 0.1773% | 4,316 |
| Noninterest expense to average assets | 1.7156% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1076% | 4,774 |
| Return on assets (ROA) | 0.2030% | 4,645 |
| Pretax return on assets | 0.2087% | 4,661 |
| Return on Equity (ROE) | 2.3019% | 4,551 |
| Retained earnings to average equity (ytd only) | 2.1073% | 4,164 |
| Net charge-offs to loans | -0.0125% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9519% | 117 |
| Assets per employee ($millions) | 15.9247% | 172 |
| Cash dividends to net income (ytd only)* | 8.4507% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 21.1286% | 4,782 |
| Net loans and leases to deposits | 23.1344% | 4,800 |
| Net loans and leases to core deposits | 24.0339% | 4,797 |
| Total domestic deposits to total assets | 91.3300% | 282 |
| Equity capital to assets | 8.5925% | 4,136 |
| Core capital (leverage) ratio | 8.2707% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4481% | 177 |
| Memoranda: | ||
| Average total assets | $46,631,000 | 4,660 |
| Average earning assets | $45,283,000 | 4,621 |
| Average equity | $4,112,500 | 4,767 |
| Average total loans | $10,668,500 | 4,791 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0986% | 4,786 |
| Cost of funding earning assets | 0.5079% | 1,153 |
| Net interest margin | 1.5906% | 4,833 |
| Noninterest income to average assets | 0.1557% | 4,416 |
| Noninterest expense to average assets | 1.7686% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0692% | 4,790 |
| Return on assets (ROA) | 0.4022% | 4,419 |
| Pretax return on assets | 0.4022% | 4,498 |
| Return on Equity (ROE) | 4.5200% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.5200% | 3,356 |
| Net charge-offs to loans | -0.0185% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0712% | 131 |
| Assets per employee ($millions) | 11.8475% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 21.1142% | 4,822 |
| Net loans and leases to deposits | 23.1107% | 4,838 |
| Net loans and leases to core deposits | 24.0338% | 4,839 |
| Total domestic deposits to total assets | 91.3610% | 265 |
| Equity capital to assets | 8.5672% | 4,152 |
| Core capital (leverage) ratio | 8.4469% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7004% | 218 |
| Memoranda: | ||
| Average total assets | $46,250,000 | 4,694 |
| Average earning assets | $44,888,000 | 4,649 |
| Average equity | $4,115,000 | 4,797 |
| Average total loans | $10,796,667 | 4,827 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2332% | 4,784 |
| Cost of funding earning assets | 0.5244% | 1,242 |
| Net interest margin | 1.7088% | 4,835 |
| Noninterest income to average assets | 0.1576% | 4,411 |
| Noninterest expense to average assets | 1.8214% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0072% | 4,776 |
| Return on assets (ROA) | 0.9282% | 3,124 |
| Pretax return on assets | 0.9457% | 3,502 |
| Return on Equity (ROE) | 10.2354% | 2,608 |
| Retained earnings to average equity (ytd only) | 10.2354% | 1,588 |
| Net charge-offs to loans | -0.0360% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4831% | 186 |
| Assets per employee ($millions) | 9.3682% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 23.1016% | 4,824 |
| Net loans and leases to deposits | 25.3164% | 4,843 |
| Net loans and leases to core deposits | 26.3727% | 4,845 |
| Total domestic deposits to total assets | 91.2513% | 313 |
| Equity capital to assets | 8.6740% | 3,980 |
| Core capital (leverage) ratio | 8.6899% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8531% | 259 |
| Memoranda: | ||
| Average total assets | $45,680,000 | 4,717 |
| Average earning assets | $44,242,000 | 4,679 |
| Average equity | $4,142,500 | 4,819 |
| Average total loans | $11,097,000 | 4,845 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 4,698 |
| Cost of funding earning assets | 0.5445% | 2,640 |
| Net interest margin | 2.3716% | 4,675 |
| Noninterest income to average assets | 0.2018% | 4,261 |
| Noninterest expense to average assets | 2.1755% | 3,737 |
| Loan and lease loss provision to assets | -0.2347% | 4,986 |
| Net operating income to assets | 0.5609% | 3,870 |
| Return on assets (ROA) | 0.5609% | 3,971 |
| Pretax return on assets | 0.5609% | 4,162 |
| Return on Equity (ROE) | 5.7446% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.2399% | 2,168 |
| Net charge-offs to loans | -0.4261% | 4,946 |
| Credit loss provision to net charge-offs | 181.8182% | 2,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9606% | 489 |
| Assets per employee ($millions) | 8.9038% | 764 |
| Cash dividends to net income (ytd only)* | 8.7866% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 24.6951% | 4,844 |
| Net loans and leases to deposits | 27.2980% | 4,865 |
| Net loans and leases to core deposits | 28.7523% | 4,865 |
| Total domestic deposits to total assets | 90.4647% | 391 |
| Equity capital to assets | 9.4836% | 3,632 |
| Core capital (leverage) ratio | 8.8968% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7596% | 269 |
| Memoranda: | ||
| Average total assets | $42,610,400 | 4,740 |
| Average earning assets | $41,322,200 | 4,703 |
| Average equity | $4,160,400 | 4,830 |
| Average total loans | $12,906,800 | 4,842 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0269% | 4,719 |
| Cost of funding earning assets | 0.5637% | 2,845 |
| Net interest margin | 2.4633% | 4,680 |
| Noninterest income to average assets | 0.2089% | 4,228 |
| Noninterest expense to average assets | 2.1170% | 3,903 |
| Loan and lease loss provision to assets | -0.3157% | 5,023 |
| Net operating income to assets | 0.8006% | 3,084 |
| Return on assets (ROA) | 0.8006% | 3,208 |
| Pretax return on assets | 0.8006% | 3,641 |
| Return on Equity (ROE) | 8.1381% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.1381% | 1,259 |
| Net charge-offs to loans | -0.5498% | 4,978 |
| Credit loss provision to net charge-offs | 181.8182% | 2,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3869% | 764 |
| Assets per employee ($millions) | 10.7455% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 1,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 28.1536% | 4,849 |
| Net loans and leases to deposits | 31.3222% | 4,887 |
| Net loans and leases to core deposits | 33.0601% | 4,878 |
| Total domestic deposits to total assets | 89.8841% | 465 |
| Equity capital to assets | 9.9972% | 3,221 |
| Core capital (leverage) ratio | 9.1054% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6310% | 345 |
| Memoranda: | ||
| Average total assets | $42,133,250 | 4,767 |
| Average earning assets | $40,920,500 | 4,727 |
| Average equity | $4,145,000 | 4,858 |
| Average total loans | $13,337,750 | 4,867 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1494% | 4,754 |
| Cost of funding earning assets | 0.5659% | 3,148 |
| Net interest margin | 2.5835% | 4,670 |
| Noninterest income to average assets | 0.1816% | 4,373 |
| Noninterest expense to average assets | 2.2413% | 3,680 |
| Loan and lease loss provision to assets | -0.4779% | 5,056 |
| Net operating income to assets | 0.9271% | 2,599 |
| Return on assets (ROA) | 0.9271% | 2,723 |
| Pretax return on assets | 0.9271% | 3,239 |
| Return on Equity (ROE) | 9.4765% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.4765% | 883 |
| Net charge-offs to loans | -0.8037% | 5,019 |
| Credit loss provision to net charge-offs | 181.8182% | 1,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3037% | 680 |
| Assets per employee ($millions) | 10.6568% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 30.2649% | 4,852 |
| Net loans and leases to deposits | 33.6384% | 4,891 |
| Net loans and leases to core deposits | 35.5194% | 4,887 |
| Total domestic deposits to total assets | 89.9711% | 407 |
| Equity capital to assets | 9.9233% | 3,272 |
| Core capital (leverage) ratio | 8.9974% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6790% | 342 |
| Memoranda: | ||
| Average total assets | $41,850,333 | 4,791 |
| Average earning assets | $40,642,667 | 4,756 |
| Average equity | $4,094,333 | 4,888 |
| Average total loans | $13,687,000 | 4,890 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 4,842 |
| Cost of funding earning assets | 0.5667% | 3,605 |
| Net interest margin | 2.6843% | 4,679 |
| Noninterest income to average assets | 0.2219% | 4,227 |
| Noninterest expense to average assets | 2.2768% | 3,823 |
| Loan and lease loss provision to assets | -0.9647% | 5,106 |
| Net operating income to assets | 1.5146% | 757 |
| Return on assets (ROA) | 1.5146% | 826 |
| Pretax return on assets | 1.5146% | 1,268 |
| Return on Equity (ROE) | 15.5967% | 472 |
| Retained earnings to average equity (ytd only) | 15.5967% | 160 |
| Net charge-offs to loans | -1.4587% | 5,067 |
| Credit loss provision to net charge-offs | 196.0784% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5461% | 1,087 |
| Assets per employee ($millions) | 6.9975% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 32.2949% | 4,858 |
| Net loans and leases to deposits | 35.8258% | 4,911 |
| Net loans and leases to core deposits | 37.8574% | 4,902 |
| Total domestic deposits to total assets | 90.1441% | 283 |
| Equity capital to assets | 9.7511% | 3,994 |
| Core capital (leverage) ratio | 9.0850% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3704% | 475 |
| Memoranda: | ||
| Average total assets | $41,462,000 | 4,822 |
| Average earning assets | $40,233,500 | 4,786 |
| Average equity | $4,026,500 | 4,935 |
| Average total loans | $13,985,500 | 4,925 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3023% | 4,967 |
| Cost of funding earning assets | 0.5806% | 3,718 |
| Net interest margin | 2.7217% | 4,825 |
| Noninterest income to average assets | 0.2290% | 4,295 |
| Noninterest expense to average assets | 2.3918% | 3,707 |
| Loan and lease loss provision to assets | 0.9114% | 109 |
| Net operating income to assets | -0.4510% | 5,045 |
| Return on assets (ROA) | -0.4510% | 5,054 |
| Pretax return on assets | -0.4510% | 5,050 |
| Return on Equity (ROE) | -4.8106% | 5,075 |
| Retained earnings to average equity (ytd only) | -4.9869% | 4,983 |
| Net charge-offs to loans | 2.1314% | 52 |
| Credit loss provision to net charge-offs | 120.6250% | 2,104 |
| Earnings coverage of net charge-offs (x) | 0.6094% | 3,603 |
| Efficiency ratio | 83.8576% | 663 |
| Assets per employee ($millions) | 6.8232% | 1,121 |
| Cash dividends to net income (ytd only)* | -3.6649% | 5,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 34.1801% | 4,895 |
| Net loans and leases to deposits | 37.8701% | 4,941 |
| Net loans and leases to core deposits | 40.0727% | 4,945 |
| Total domestic deposits to total assets | 90.2562% | 248 |
| Equity capital to assets | 9.6705% | 4,206 |
| Core capital (leverage) ratio | 8.7457% | 4,704 |
| Tier 1 risk-based capital ratio | 22.2507% | 998 |
| Total risk-based capital ratio | 23.5025% | 969 |
| Memoranda: | ||
| Average total assets | $42,353,800 | 4,861 |
| Average earning assets | $40,819,800 | 4,832 |
| Average equity | $3,970,400 | 4,994 |
| Average total loans | $15,013,800 | 4,967 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,071 |
| Cost of funding earning assets | 0.5645% | 3,847 |
| Net interest margin | 2.7186% | 4,925 |
| Noninterest income to average assets | 0.2373% | 4,314 |
| Noninterest expense to average assets | 2.2977% | 3,960 |
| Loan and lease loss provision to assets | 1.2051% | 72 |
| Net operating income to assets | -0.6494% | 5,149 |
| Return on assets (ROA) | -0.6494% | 5,155 |
| Pretax return on assets | -0.6494% | 5,150 |
| Return on Equity (ROE) | -6.9799% | 5,180 |
| Retained earnings to average equity (ytd only) | -6.9799% | 5,107 |
| Net charge-offs to loans | 2.7962% | 37 |
| Credit loss provision to net charge-offs | 121.0031% | 1,943 |
| Earnings coverage of net charge-offs (x) | 0.5580% | 3,358 |
| Efficiency ratio | 80.5252% | 872 |
| Assets per employee ($millions) | 6.8120% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 34.6178% | 4,976 |
| Net loans and leases to deposits | 38.3847% | 5,027 |
| Net loans and leases to core deposits | 40.6032% | 5,024 |
| Total domestic deposits to total assets | 90.1864% | 243 |
| Equity capital to assets | 9.6643% | 4,321 |
| Core capital (leverage) ratio | 8.6489% | 4,861 |
| Tier 1 risk-based capital ratio | 21.0289% | 1,193 |
| Total risk-based capital ratio | 22.2846% | 1,171 |
| Memoranda: | ||
| Average total assets | $42,707,500 | 4,928 |
| Average earning assets | $41,098,750 | 4,895 |
| Average equity | $3,973,250 | 5,066 |
| Average total loans | $15,210,500 | 5,038 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 5,143 |
| Cost of funding earning assets | 0.5321% | 3,972 |
| Net interest margin | 2.7036% | 4,998 |
| Noninterest income to average assets | 0.2078% | 4,501 |
| Noninterest expense to average assets | 2.2946% | 4,015 |
| Loan and lease loss provision to assets | 1.9252% | 42 |
| Net operating income to assets | -1.4081% | 5,246 |
| Return on assets (ROA) | -1.4081% | 5,247 |
| Pretax return on assets | -1.4081% | 5,243 |
| Return on Equity (ROE) | -15.3228% | 5,264 |
| Retained earnings to average equity (ytd only) | -15.3228% | 5,222 |
| Net charge-offs to loans | 4.4427% | 23 |
| Credit loss provision to net charge-offs | 121.2209% | 1,728 |
| Earnings coverage of net charge-offs (x) | 0.3256% | 3,092 |
| Efficiency ratio | 81.6092% | 833 |
| Assets per employee ($millions) | 7.1602% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 34.0518% | 5,029 |
| Net loans and leases to deposits | 37.4354% | 5,087 |
| Net loans and leases to core deposits | 39.4696% | 5,086 |
| Total domestic deposits to total assets | 90.9616% | 111 |
| Equity capital to assets | 8.9267% | 4,835 |
| Core capital (leverage) ratio | 8.2185% | 5,103 |
| Tier 1 risk-based capital ratio | 19.6052% | 1,420 |
| Total risk-based capital ratio | 20.8583% | 1,395 |
| Memoranda: | ||
| Average total assets | $43,319,330 | 4,962 |
| Average earning assets | $41,721,670 | 4,932 |
| Average equity | $3,981,000 | 5,107 |
| Average total loans | $15,486,000 | 5,077 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2080% | 5,207 |
| Cost of funding earning assets | 0.5156% | 3,994 |
| Net interest margin | 2.6924% | 5,070 |
| Noninterest income to average assets | 0.2207% | 4,429 |
| Noninterest expense to average assets | 2.2989% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5150% | 4,478 |
| Return on assets (ROA) | 0.5150% | 4,499 |
| Pretax return on assets | 0.5150% | 4,650 |
| Return on Equity (ROE) | 5.5254% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.5254% | 2,686 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6993% | 900 |
| Assets per employee ($millions) | 8.7490% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,305 |
| Loan loss allowance to noncurrent loans | 31.6888% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 1,111 |
| Noncurrent loans to loans | 3.3739% | 279 |
| Net loans and leases to total assets | 35.3252% | 5,036 |
| Net loans and leases to deposits | 39.0494% | 5,093 |
| Net loans and leases to core deposits | 41.1433% | 5,093 |
| Total domestic deposits to total assets | 90.4629% | 301 |
| Equity capital to assets | 9.4365% | 4,314 |
| Core capital (leverage) ratio | 8.9820% | 4,663 |
| Tier 1 risk-based capital ratio | 20.8162% | 1,195 |
| Total risk-based capital ratio | 21.7082% | 1,232 |
| Memoranda: | ||
| Average total assets | $43,498,500 | 5,011 |
| Average earning assets | $41,895,000 | 4,977 |
| Average equity | $4,054,000 | 5,142 |
| Average total loans | $15,794,000 | 5,133 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 5,159 |
| Cost of funding earning assets | 0.4608% | 3,605 |
| Net interest margin | 2.7200% | 5,084 |
| Noninterest income to average assets | 0.2711% | 4,294 |
| Noninterest expense to average assets | 2.3423% | 4,018 |
| Loan and lease loss provision to assets | -0.1823% | 5,324 |
| Net operating income to assets | 0.5613% | 4,519 |
| Return on assets (ROA) | 0.5559% | 4,531 |
| Pretax return on assets | 0.7268% | 4,347 |
| Return on Equity (ROE) | 6.1938% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.4931% | 3,056 |
| Net charge-offs to loans | 0.0064% | 3,467 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,956 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 388 |
| Efficiency ratio | 80.9449% | 876 |
| Assets per employee ($millions) | 7.2087% | 894 |
| Cash dividends to net income (ytd only)* | 27.4590% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,413 |
| Loan loss allowance to noncurrent loans | 154.6296% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,597 |
| Noncurrent loans to loans | 0.6764% | 2,304 |
| Net loans and leases to total assets | 36.5324% | 5,056 |
| Net loans and leases to deposits | 40.2645% | 5,118 |
| Net loans and leases to core deposits | 42.4416% | 5,114 |
| Total domestic deposits to total assets | 90.7311% | 265 |
| Equity capital to assets | 9.2019% | 4,406 |
| Core capital (leverage) ratio | 9.0277% | 4,629 |
| Tier 1 risk-based capital ratio | 19.8509% | 1,333 |
| Total risk-based capital ratio | 20.7217% | 1,380 |
| Memoranda: | ||
| Average total assets | $43,889,400 | 5,052 |
| Average earning assets | $42,316,400 | 5,005 |
| Average equity | $3,939,400 | 5,189 |
| Average total loans | $15,661,000 | 5,176 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1372% | 5,229 |
| Cost of funding earning assets | 0.4419% | 3,587 |
| Net interest margin | 2.6953% | 5,166 |
| Noninterest income to average assets | 0.2573% | 4,435 |
| Noninterest expense to average assets | 2.2520% | 4,211 |
| Loan and lease loss provision to assets | -0.2421% | 5,418 |
| Net operating income to assets | 0.8506% | 3,742 |
| Return on assets (ROA) | 0.8566% | 3,715 |
| Pretax return on assets | 0.8566% | 4,151 |
| Return on Equity (ROE) | 9.6029% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.1779% | 1,568 |
| Net charge-offs to loans | -0.0085% | 4,357 |
| Credit loss provision to net charge-offs | 8,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7302% | 1,052 |
| Assets per employee ($millions) | 7.1420% | 886 |
| Cash dividends to net income (ytd only)* | 14.8415% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,245 |
| Loan loss allowance to noncurrent loans | 150.4425% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,633 |
| Noncurrent loans to loans | 0.7250% | 2,269 |
| Net loans and leases to total assets | 35.9773% | 5,143 |
| Net loans and leases to deposits | 39.7458% | 5,214 |
| Net loans and leases to core deposits | 41.9157% | 5,201 |
| Total domestic deposits to total assets | 90.5185% | 335 |
| Equity capital to assets | 9.2924% | 4,286 |
| Core capital (leverage) ratio | 8.9230% | 4,775 |
| Tier 1 risk-based capital ratio | 20.1552% | 1,307 |
| Total risk-based capital ratio | 21.0463% | 1,347 |
| Memoranda: | ||
| Average total assets | $44,048,750 | 5,109 |
| Average earning assets | $42,542,000 | 5,063 |
| Average equity | $3,929,250 | 5,253 |
| Average total loans | $15,584,250 | 5,242 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0789% | 5,301 |
| Cost of funding earning assets | 0.4372% | 3,442 |
| Net interest margin | 2.6417% | 5,255 |
| Noninterest income to average assets | 0.2295% | 4,644 |
| Noninterest expense to average assets | 2.2588% | 4,241 |
| Loan and lease loss provision to assets | -0.3600% | 5,504 |
| Net operating income to assets | 0.8864% | 3,515 |
| Return on assets (ROA) | 0.8954% | 3,481 |
| Pretax return on assets | 0.8954% | 3,982 |
| Return on Equity (ROE) | 10.1747% | 2,488 |
| Retained earnings to average equity (ytd only) | 10.1747% | 880 |
| Net charge-offs to loans | -0.0128% | 4,399 |
| Credit loss provision to net charge-offs | 8,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0985% | 911 |
| Assets per employee ($millions) | 7.3167% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,209 |
| Loan loss allowance to noncurrent loans | 144.0678% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,690 |
| Noncurrent loans to loans | 0.7696% | 2,196 |
| Net loans and leases to total assets | 34.5399% | 5,223 |
| Net loans and leases to deposits | 38.0282% | 5,284 |
| Net loans and leases to core deposits | 39.7301% | 5,287 |
| Total domestic deposits to total assets | 90.8269% | 294 |
| Equity capital to assets | 9.0159% | 4,547 |
| Core capital (leverage) ratio | 8.6572% | 4,989 |
| Tier 1 risk-based capital ratio | 20.9233% | 1,192 |
| Total risk-based capital ratio | 21.8599% | 1,200 |
| Memoranda: | ||
| Average total assets | $44,447,670 | 5,159 |
| Average earning assets | $43,003,000 | 5,107 |
| Average equity | $3,911,670 | 5,317 |
| Average total loans | $15,583,330 | 5,305 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 5,291 |
| Cost of funding earning assets | 0.4065% | 3,534 |
| Net interest margin | 2.7254% | 5,236 |
| Noninterest income to average assets | 0.1073% | 5,299 |
| Noninterest expense to average assets | 2.2987% | 4,195 |
| Loan and lease loss provision to assets | -0.5367% | 5,577 |
| Net operating income to assets | 0.9839% | 2,916 |
| Return on assets (ROA) | 0.9839% | 2,952 |
| Pretax return on assets | 0.9839% | 3,590 |
| Return on Equity (ROE) | 11.3154% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.3154% | 823 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7134% | 820 |
| Assets per employee ($millions) | 6.4221% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,667 |
| Loan loss allowance to noncurrent loans | 152.4194% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 3,765 |
| Noncurrent loans to loans | 0.8024% | 2,207 |
| Net loans and leases to total assets | 33.9540% | 5,271 |
| Net loans and leases to deposits | 37.2220% | 5,332 |
| Net loans and leases to core deposits | 39.1887% | 5,324 |
| Total domestic deposits to total assets | 91.2201% | 252 |
| Equity capital to assets | 8.6553% | 4,856 |
| Core capital (leverage) ratio | 8.4721% | 5,159 |
| Tier 1 risk-based capital ratio | 19.5452% | 1,428 |
| Total risk-based capital ratio | 20.5401% | 1,443 |
| Memoranda: | ||
| Average total assets | $44,721,500 | 5,213 |
| Average earning assets | $43,297,000 | 5,157 |
| Average equity | $3,888,500 | 5,375 |
| Average total loans | $15,708,500 | 5,363 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1456% | 5,245 |
| Cost of funding earning assets | 0.4089% | 3,175 |
| Net interest margin | 2.7368% | 5,239 |
| Noninterest income to average assets | 0.2668% | 4,525 |
| Noninterest expense to average assets | 2.6311% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0539% | 5,303 |
| Return on assets (ROA) | 0.0889% | 5,275 |
| Pretax return on assets | 0.3306% | 5,178 |
| Return on Equity (ROE) | 0.9729% | 5,233 |
| Retained earnings to average equity (ytd only) | -0.4490% | 5,110 |
| Net charge-offs to loans | -0.1827% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5098% | 408 |
| Assets per employee ($millions) | 6.3554% | 1,282 |
| Cash dividends to net income (ytd only)* | 146.1538% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,262 |
| Loan loss allowance to noncurrent loans | 192.2481% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 3,726 |
| Noncurrent loans to loans | 0.8081% | 2,192 |
| Net loans and leases to total assets | 35.3264% | 5,307 |
| Net loans and leases to deposits | 38.7456% | 5,372 |
| Net loans and leases to core deposits | 40.8165% | 5,366 |
| Total domestic deposits to total assets | 91.1751% | 202 |
| Equity capital to assets | 8.7349% | 4,943 |
| Core capital (leverage) ratio | 8.0733% | 5,410 |
| Tier 1 risk-based capital ratio | 18.8287% | 1,550 |
| Total risk-based capital ratio | 20.0982% | 1,512 |
| Memoranda: | ||
| Average total assets | $43,859,600 | 5,276 |
| Average earning assets | $42,312,800 | 5,225 |
| Average equity | $4,008,600 | 5,416 |
| Average total loans | $16,420,400 | 5,410 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1527% | 5,290 |
| Cost of funding earning assets | 0.4048% | 3,139 |
| Net interest margin | 2.7479% | 5,283 |
| Noninterest income to average assets | 0.2898% | 4,459 |
| Noninterest expense to average assets | 2.5627% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3783% | 5,048 |
| Return on assets (ROA) | 0.4515% | 4,906 |
| Pretax return on assets | 0.4515% | 5,113 |
| Return on Equity (ROE) | 4.8853% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.8853% | 2,959 |
| Net charge-offs to loans | -0.2177% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1369% | 562 |
| Assets per employee ($millions) | 6.4389% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,590 |
| Loan loss allowance to noncurrent loans | 182.8358% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,881 |
| Noncurrent loans to loans | 0.8129% | 2,333 |
| Net loans and leases to total assets | 36.0290% | 5,346 |
| Net loans and leases to deposits | 39.7216% | 5,429 |
| Net loans and leases to core deposits | 41.8218% | 5,423 |
| Total domestic deposits to total assets | 90.7038% | 258 |
| Equity capital to assets | 9.1565% | 4,763 |
| Core capital (leverage) ratio | 8.3658% | 5,336 |
| Tier 1 risk-based capital ratio | 19.1367% | 1,548 |
| Total risk-based capital ratio | 20.4280% | 1,503 |
| Memoranda: | ||
| Average total assets | $43,702,500 | 5,337 |
| Average earning assets | $42,164,250 | 5,287 |
| Average equity | $4,039,250 | 5,476 |
| Average total loans | $16,534,500 | 5,466 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2144% | 5,220 |
| Cost of funding earning assets | 0.3886% | 3,198 |
| Net interest margin | 2.8258% | 5,210 |
| Noninterest income to average assets | 0.2867% | 4,505 |
| Noninterest expense to average assets | 2.7101% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3006% | 5,219 |
| Return on assets (ROA) | 0.4116% | 4,979 |
| Pretax return on assets | 0.4116% | 5,161 |
| Return on Equity (ROE) | 4.4389% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.4389% | 3,073 |
| Net charge-offs to loans | -0.1329% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0154% | 453 |
| Assets per employee ($millions) | 6.1659% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,992 |
| Loan loss allowance to noncurrent loans | 165.4676% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 3,834 |
| Noncurrent loans to loans | 0.8399% | 2,306 |
| Net loans and leases to total assets | 37.8096% | 5,309 |
| Net loans and leases to deposits | 41.8264% | 5,403 |
| Net loans and leases to core deposits | 44.1484% | 5,394 |
| Total domestic deposits to total assets | 90.3964% | 396 |
| Equity capital to assets | 9.4321% | 4,481 |
| Core capital (leverage) ratio | 8.4973% | 5,221 |
| Tier 1 risk-based capital ratio | 18.9644% | 1,598 |
| Total risk-based capital ratio | 20.1859% | 1,563 |
| Memoranda: | ||
| Average total assets | $43,246,000 | 5,385 |
| Average earning assets | $41,687,000 | 5,333 |
| Average equity | $4,010,000 | 5,523 |
| Average total loans | $16,551,330 | 5,513 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 5,151 |
| Cost of funding earning assets | 0.4121% | 2,881 |
| Net interest margin | 2.8562% | 5,155 |
| Noninterest income to average assets | 0.2587% | 4,680 |
| Noninterest expense to average assets | 2.6243% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3881% | 4,977 |
| Return on assets (ROA) | 0.3881% | 5,005 |
| Pretax return on assets | 0.3881% | 5,181 |
| Return on Equity (ROE) | 4.2216% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.2216% | 3,337 |
| Net charge-offs to loans | -0.1208% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1166% | 723 |
| Assets per employee ($millions) | 5.3641% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,296 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,855 |
| Noncurrent loans to loans | 0.8695% | 2,296 |
| Net loans and leases to total assets | 38.0724% | 5,320 |
| Net loans and leases to deposits | 42.0757% | 5,415 |
| Net loans and leases to core deposits | 44.4233% | 5,402 |
| Total domestic deposits to total assets | 90.4854% | 478 |
| Equity capital to assets | 9.3701% | 4,423 |
| Core capital (leverage) ratio | 8.2177% | 5,434 |
| Tier 1 risk-based capital ratio | 18.1743% | 1,810 |
| Total risk-based capital ratio | 19.3296% | 1,810 |
| Memoranda: | ||
| Average total assets | $43,288,500 | 5,439 |
| Average earning assets | $41,733,500 | 5,387 |
| Average equity | $3,979,500 | 5,587 |
| Average total loans | $16,552,500 | 5,574 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 4,944 |
| Cost of funding earning assets | 0.3935% | 3,057 |
| Net interest margin | 3.0256% | 4,905 |
| Noninterest income to average assets | 0.2429% | 4,973 |
| Noninterest expense to average assets | 2.5919% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5707% | 4,344 |
| Return on assets (ROA) | 0.6533% | 4,102 |
| Pretax return on assets | 0.6533% | 4,646 |
| Return on Equity (ROE) | 6.8402% | 3,554 |
| Retained earnings to average equity (ytd only) | 5.6549% | 1,916 |
| Net charge-offs to loans | -0.2341% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9538% | 1,203 |
| Assets per employee ($millions) | 6.2377% | 1,307 |
| Cash dividends to net income (ytd only)* | 17.3285% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,408 |
| Loan loss allowance to noncurrent loans | 146.9799% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 3,916 |
| Noncurrent loans to loans | 0.9007% | 2,296 |
| Net loans and leases to total assets | 37.3855% | 5,429 |
| Net loans and leases to deposits | 41.1381% | 5,513 |
| Net loans and leases to core deposits | 43.3814% | 5,507 |
| Total domestic deposits to total assets | 90.8781% | 319 |
| Equity capital to assets | 9.0189% | 4,796 |
| Core capital (leverage) ratio | 8.1555% | 5,529 |
| Tier 1 risk-based capital ratio | 18.4545% | 1,737 |
| Total risk-based capital ratio | 19.6152% | 1,724 |
| Memoranda: | ||
| Average total assets | $42,401,800 | 5,503 |
| Average earning assets | $40,917,200 | 5,445 |
| Average equity | $4,049,600 | 5,634 |
| Average total loans | $15,379,800 | 5,655 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 4,917 |
| Cost of funding earning assets | 0.3907% | 3,120 |
| Net interest margin | 3.0631% | 4,869 |
| Noninterest income to average assets | 0.2344% | 5,069 |
| Noninterest expense to average assets | 2.5661% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6241% | 4,189 |
| Return on assets (ROA) | 0.8554% | 3,248 |
| Pretax return on assets | 0.8554% | 4,139 |
| Return on Equity (ROE) | 8.8287% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.8287% | 870 |
| Net charge-offs to loans | -0.2739% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4369% | 1,386 |
| Assets per employee ($millions) | 7.1312% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 2,252 |
| Loan loss allowance to noncurrent loans | 138.9610% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,975 |
| Noncurrent loans to loans | 0.9986% | 2,245 |
| Net loans and leases to total assets | 35.5412% | 5,568 |
| Net loans and leases to deposits | 39.6026% | 5,643 |
| Net loans and leases to core deposits | 40.9859% | 5,661 |
| Total domestic deposits to total assets | 89.7445% | 578 |
| Equity capital to assets | 10.0755% | 4,062 |
| Core capital (leverage) ratio | 8.3383% | 5,477 |
| Tier 1 risk-based capital ratio | 16.7546% | 2,320 |
| Total risk-based capital ratio | 17.7721% | 2,361 |
| Memoranda: | ||
| Average total assets | $42,086,250 | 5,563 |
| Average earning assets | $40,611,000 | 5,508 |
| Average equity | $4,077,500 | 5,688 |
| Average total loans | $15,089,000 | 5,722 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 4,886 |
| Cost of funding earning assets | 0.3870% | 3,182 |
| Net interest margin | 3.1062% | 4,814 |
| Noninterest income to average assets | 0.1911% | 5,354 |
| Noninterest expense to average assets | 2.5900% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5926% | 4,307 |
| Return on assets (ROA) | 0.9557% | 2,745 |
| Pretax return on assets | 0.9557% | 3,764 |
| Return on Equity (ROE) | 10.0008% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.0008% | 599 |
| Net charge-offs to loans | -0.1335% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3814% | 1,342 |
| Assets per employee ($millions) | 7.1157% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,134 |
| Loan loss allowance to noncurrent loans | 120.7547% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 4,000 |
| Noncurrent loans to loans | 1.0268% | 2,233 |
| Net loans and leases to total assets | 35.8200% | 5,616 |
| Net loans and leases to deposits | 39.8806% | 5,699 |
| Net loans and leases to core deposits | 40.5102% | 5,727 |
| Total domestic deposits to total assets | 89.8182% | 558 |
| Equity capital to assets | 10.0342% | 4,184 |
| Core capital (leverage) ratio | 8.3147% | 5,524 |
| Tier 1 risk-based capital ratio | 16.5938% | 2,394 |
| Total risk-based capital ratio | 17.5162% | 2,466 |
| Memoranda: | ||
| Average total assets | $41,852,670 | 5,627 |
| Average earning assets | $40,306,000 | 5,579 |
| Average equity | $3,999,670 | 5,768 |
| Average total loans | $14,978,330 | 5,793 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4231% | 5,070 |
| Cost of funding earning assets | 0.3815% | 3,277 |
| Net interest margin | 3.0416% | 5,023 |
| Noninterest income to average assets | 0.2510% | 4,948 |
| Noninterest expense to average assets | 2.7708% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4055% | 4,975 |
| Return on assets (ROA) | 0.5213% | 4,650 |
| Pretax return on assets | 0.5213% | 5,026 |
| Return on Equity (ROE) | 5.5995% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.5995% | 2,583 |
| Net charge-offs to loans | -0.1087% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2340% | 871 |
| Assets per employee ($millions) | 6.9483% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 3,001 |
| Loan loss allowance to noncurrent loans | 113.4146% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 2,690 |
| Noncurrent loans to loans | 1.1292% | 2,138 |
| Net loans and leases to total assets | 34.3895% | 5,698 |
| Net loans and leases to deposits | 38.0686% | 5,775 |
| Net loans and leases to core deposits | 38.6807% | 5,802 |
| Total domestic deposits to total assets | 90.3358% | 486 |
| Equity capital to assets | 9.5443% | 4,630 |
| Core capital (leverage) ratio | 9.0889% | 4,747 |
| Tier 1 risk-based capital ratio | 18.5658% | 1,836 |
| Total risk-based capital ratio | 19.4794% | 1,887 |
| Memoranda: | ||
| Average total assets | $41,432,000 | 5,684 |
| Average earning assets | $39,847,500 | 5,639 |
| Average equity | $3,857,500 | 5,835 |
| Average total loans | $14,725,000 | 5,857 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2638% | 5,405 |
| Cost of funding earning assets | 0.4127% | 3,025 |
| Net interest margin | 2.8511% | 5,422 |
| Noninterest income to average assets | 0.3462% | 4,434 |
| Noninterest expense to average assets | 2.6038% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4876% | 4,745 |
| Return on assets (ROA) | 0.5120% | 4,731 |
| Pretax return on assets | 0.5120% | 5,083 |
| Return on Equity (ROE) | 5.6702% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.3741% | 2,867 |
| Net charge-offs to loans | 0.4541% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,770 |
| Efficiency ratio | 84.2271% | 1,160 |
| Assets per employee ($millions) | 6.8623% | 936 |
| Cash dividends to net income (ytd only)* | 22.8571% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 3,314 |
| Loan loss allowance to noncurrent loans | 108.2840% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 2,607 |
| Noncurrent loans to loans | 1.1322% | 2,073 |
| Net loans and leases to total assets | 35.8090% | 5,720 |
| Net loans and leases to deposits | 39.4204% | 5,792 |
| Net loans and leases to core deposits | 40.0587% | 5,818 |
| Total domestic deposits to total assets | 90.8389% | 322 |
| Equity capital to assets | 9.0737% | 5,046 |
| Core capital (leverage) ratio | 9.0725% | 4,792 |
| Tier 1 risk-based capital ratio | 18.1063% | 1,933 |
| Total risk-based capital ratio | 18.9958% | 1,991 |
| Memoranda: | ||
| Average total assets | $41,017,400 | 5,742 |
| Average earning assets | $39,493,800 | 5,694 |
| Average equity | $3,703,600 | 5,900 |
| Average total loans | $14,093,000 | 5,920 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 5,582 |
| Cost of funding earning assets | 0.4226% | 2,984 |
| Net interest margin | 2.7792% | 5,617 |
| Noninterest income to average assets | 0.3579% | 4,378 |
| Noninterest expense to average assets | 2.4891% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5434% | 4,617 |
| Return on assets (ROA) | 0.5531% | 4,677 |
| Pretax return on assets | 0.5531% | 5,088 |
| Return on Equity (ROE) | 6.1334% | 4,096 |
| Retained earnings to average equity (ytd only) | 6.1334% | 2,163 |
| Net charge-offs to loans | 0.3073% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.2182% | 3,236 |
| Efficiency ratio | 82.0815% | 1,384 |
| Assets per employee ($millions) | 6.7950% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 2,477 |
| Loan loss allowance to noncurrent loans | 59.3923% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 2,652 |
| Noncurrent loans to loans | 2.3999% | 861 |
| Net loans and leases to total assets | 36.4704% | 5,770 |
| Net loans and leases to deposits | 40.2965% | 5,857 |
| Net loans and leases to core deposits | 40.9490% | 5,888 |
| Total domestic deposits to total assets | 90.5053% | 383 |
| Equity capital to assets | 9.3230% | 4,977 |
| Core capital (leverage) ratio | 9.1055% | 4,871 |
| Tier 1 risk-based capital ratio | 18.2462% | 1,972 |
| Total risk-based capital ratio | 19.2971% | 1,979 |
| Memoranda: | ||
| Average total assets | $40,978,250 | 5,820 |
| Average earning assets | $39,434,750 | 5,772 |
| Average equity | $3,695,500 | 5,983 |
| Average total loans | $13,884,500 | 6,003 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1731% | 5,659 |
| Cost of funding earning assets | 0.4357% | 2,893 |
| Net interest margin | 2.7374% | 5,725 |
| Noninterest income to average assets | 0.3216% | 4,650 |
| Noninterest expense to average assets | 2.5288% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3947% | 5,154 |
| Return on assets (ROA) | 0.4190% | 5,182 |
| Pretax return on assets | 0.4190% | 5,427 |
| Return on Equity (ROE) | 4.6990% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.6990% | 3,053 |
| Net charge-offs to loans | -0.1780% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5000% | 1,023 |
| Assets per employee ($millions) | 6.8228% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 1,381 |
| Loan loss allowance to noncurrent loans | 143.8889% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 4,167 |
| Noncurrent loans to loans | 1.2480% | 2,164 |
| Net loans and leases to total assets | 34.5995% | 5,880 |
| Net loans and leases to deposits | 38.0272% | 5,976 |
| Net loans and leases to core deposits | 38.6372% | 6,000 |
| Total domestic deposits to total assets | 90.9861% | 293 |
| Equity capital to assets | 8.8673% | 5,378 |
| Core capital (leverage) ratio | 8.8349% | 5,181 |
| Tier 1 risk-based capital ratio | 18.4578% | 1,930 |
| Total risk-based capital ratio | 19.7075% | 1,900 |
| Memoranda: | ||
| Average total assets | $41,047,670 | 5,881 |
| Average earning assets | $39,015,330 | 5,839 |
| Average equity | $3,660,330 | 6,048 |
| Average total loans | $13,484,670 | 6,081 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0410% | 5,855 |
| Cost of funding earning assets | 0.4344% | 2,932 |
| Net interest margin | 2.6066% | 5,917 |
| Noninterest income to average assets | 0.3309% | 4,546 |
| Noninterest expense to average assets | 2.5984% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2433% | 5,579 |
| Return on assets (ROA) | 0.2433% | 5,670 |
| Pretax return on assets | 0.2433% | 5,764 |
| Return on Equity (ROE) | 2.7207% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.7207% | 4,319 |
| Net charge-offs to loans | -0.0615% | 5,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4384% | 752 |
| Assets per employee ($millions) | 5.9460% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 1,282 |
| Loan loss allowance to noncurrent loans | 142.2857% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 4,348 |
| Noncurrent loans to loans | 1.3365% | 2,153 |
| Net loans and leases to total assets | 30.8611% | 6,040 |
| Net loans and leases to deposits | 33.9788% | 6,124 |
| Net loans and leases to core deposits | 34.5157% | 6,133 |
| Total domestic deposits to total assets | 90.8246% | 426 |
| Equity capital to assets | 9.0361% | 5,246 |
| Core capital (leverage) ratio | 8.7542% | 5,255 |
| Tier 1 risk-based capital ratio | 19.4580% | 1,744 |
| Total risk-based capital ratio | 20.3686% | 1,792 |
| Memoranda: | ||
| Average total assets | $41,103,000 | 5,937 |
| Average earning assets | $39,592,500 | 5,878 |
| Average equity | $3,675,500 | 6,108 |
| Average total loans | $13,015,500 | 6,155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 6,041 |
| Cost of funding earning assets | 0.4299% | 3,383 |
| Net interest margin | 2.5926% | 6,085 |
| Noninterest income to average assets | 0.4287% | 3,979 |
| Noninterest expense to average assets | 2.6783% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2446% | 5,674 |
| Return on assets (ROA) | 0.4186% | 5,229 |
| Pretax return on assets | 0.4186% | 5,441 |
| Return on Equity (ROE) | 4.6784% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.3256% | 3,856 |
| Net charge-offs to loans | -0.1527% | 6,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6307% | 730 |
| Assets per employee ($millions) | 5.7977% | 1,526 |
| Cash dividends to net income (ytd only)* | 28.9157% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 1,294 |
| Loan loss allowance to noncurrent loans | 136.4641% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 4,330 |
| Noncurrent loans to loans | 1.3991% | 2,093 |
| Net loans and leases to total assets | 31.2685% | 6,138 |
| Net loans and leases to deposits | 34.3316% | 6,214 |
| Net loans and leases to core deposits | 34.8866% | 6,223 |
| Total domestic deposits to total assets | 91.0778% | 343 |
| Equity capital to assets | 8.8459% | 5,432 |
| Core capital (leverage) ratio | 8.8436% | 5,197 |
| Tier 1 risk-based capital ratio | 19.1374% | 1,806 |
| Total risk-based capital ratio | 20.0612% | 1,867 |
| Memoranda: | ||
| Average total assets | $39,651,400 | 6,043 |
| Average earning assets | $38,147,200 | 5,980 |
| Average equity | $3,548,200 | 6,171 |
| Average total loans | $13,096,200 | 6,226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0416% | 6,092 |
| Cost of funding earning assets | 0.4330% | 3,436 |
| Net interest margin | 2.6086% | 6,125 |
| Noninterest income to average assets | 0.4296% | 4,026 |
| Noninterest expense to average assets | 2.6214% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3146% | 5,540 |
| Return on assets (ROA) | 0.5479% | 4,759 |
| Pretax return on assets | 0.5479% | 5,186 |
| Return on Equity (ROE) | 6.1053% | 4,180 |
| Retained earnings to average equity (ytd only) | 6.1053% | 2,343 |
| Net charge-offs to loans | -0.1726% | 6,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2857% | 894 |
| Assets per employee ($millions) | 5.6571% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 1,435 |
| Loan loss allowance to noncurrent loans | 56.4815% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 2,781 |
| Noncurrent loans to loans | 3.3792% | 720 |
| Net loans and leases to total assets | 31.6667% | 6,195 |
| Net loans and leases to deposits | 34.9274% | 6,271 |
| Net loans and leases to core deposits | 35.5020% | 6,288 |
| Total domestic deposits to total assets | 90.6641% | 465 |
| Equity capital to assets | 9.2121% | 5,135 |
| Core capital (leverage) ratio | 9.1340% | 4,880 |
| Tier 1 risk-based capital ratio | 19.7104% | 1,735 |
| Total risk-based capital ratio | 20.6448% | 1,774 |
| Memoranda: | ||
| Average total assets | $39,418,250 | 6,123 |
| Average earning assets | $37,873,250 | 6,059 |
| Average equity | $3,537,750 | 6,239 |
| Average total loans | $13,136,000 | 6,296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 6,136 |
| Cost of funding earning assets | 0.4186% | 3,676 |
| Net interest margin | 2.6283% | 6,139 |
| Noninterest income to average assets | 0.3405% | 4,701 |
| Noninterest expense to average assets | 2.6882% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1728% | 5,906 |
| Return on assets (ROA) | 0.2693% | 5,741 |
| Pretax return on assets | 0.2693% | 5,840 |
| Return on Equity (ROE) | 3.0277% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.0277% | 4,279 |
| Net charge-offs to loans | -0.1358% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9609% | 639 |
| Assets per employee ($millions) | 5.7333% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 1,888 |
| Loan loss allowance to noncurrent loans | 123.5602% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 3,619 |
| Noncurrent loans to loans | 1.4422% | 2,393 |
| Net loans and leases to total assets | 32.4122% | 6,228 |
| Net loans and leases to deposits | 35.6403% | 6,300 |
| Net loans and leases to core deposits | 36.2168% | 6,324 |
| Total domestic deposits to total assets | 90.9426% | 432 |
| Equity capital to assets | 8.9178% | 5,392 |
| Core capital (leverage) ratio | 8.7667% | 5,312 |
| Tier 1 risk-based capital ratio | 18.2301% | 2,158 |
| Total risk-based capital ratio | 19.1682% | 2,242 |
| Memoranda: | ||
| Average total assets | $39,357,670 | 6,191 |
| Average earning assets | $37,743,330 | 6,119 |
| Average equity | $3,501,000 | 6,293 |
| Average total loans | $13,253,330 | 6,349 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1376% | 6,075 |
| Cost of funding earning assets | 0.4283% | 3,662 |
| Net interest margin | 2.7093% | 6,099 |
| Noninterest income to average assets | 0.2977% | 4,976 |
| Noninterest expense to average assets | 2.7200% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1745% | 5,868 |
| Return on assets (ROA) | 0.3490% | 5,377 |
| Pretax return on assets | 0.3490% | 5,599 |
| Return on Equity (ROE) | 3.9284% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.9284% | 3,756 |
| Net charge-offs to loans | -0.1509% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9716% | 754 |
| Assets per employee ($millions) | 5.6916% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 2,175 |
| Loan loss allowance to noncurrent loans | 118.3673% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 3,577 |
| Noncurrent loans to loans | 1.4829% | 2,566 |
| Net loans and leases to total assets | 32.5921% | 6,243 |
| Net loans and leases to deposits | 35.7664% | 6,326 |
| Net loans and leases to core deposits | 36.3481% | 6,355 |
| Total domestic deposits to total assets | 91.1247% | 519 |
| Equity capital to assets | 8.7473% | 5,396 |
| Core capital (leverage) ratio | 8.9782% | 5,046 |
| Tier 1 risk-based capital ratio | 17.8280% | 2,362 |
| Total risk-based capital ratio | 18.7766% | 2,443 |
| Memoranda: | ||
| Average total assets | $38,970,000 | 6,260 |
| Average earning assets | $37,353,500 | 6,191 |
| Average equity | $3,462,000 | 6,349 |
| Average total loans | $13,258,000 | 6,410 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 6,273 |
| Cost of funding earning assets | 0.4330% | 4,287 |
| Net interest margin | 2.6333% | 6,224 |
| Noninterest income to average assets | 0.3935% | 4,497 |
| Noninterest expense to average assets | 3.1479% | 2,599 |
| Loan and lease loss provision to assets | 0.1363% | 2,603 |
| Net operating income to assets | -0.4475% | 6,474 |
| Return on assets (ROA) | -0.2649% | 6,415 |
| Pretax return on assets | -0.1903% | 6,343 |
| Return on Equity (ROE) | -2.8524% | 6,425 |
| Retained earnings to average equity (ytd only) | -3.5170% | 6,295 |
| Net charge-offs to loans | 0.6746% | 961 |
| Credit loss provision to net charge-offs | 56.9892% | 3,652 |
| Earnings coverage of net charge-offs (x) | -0.9892% | 5,261 |
| Efficiency ratio | 108.1272% | 302 |
| Assets per employee ($millions) | 5.4427% | 1,705 |
| Cash dividends to net income (ytd only)* | -23.3010% | 6,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,380 |
| Loan loss allowance to noncurrent loans | 106.5728% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2074% | 2,982 |
| Noncurrent loans to loans | 1.6016% | 2,505 |
| Net loans and leases to total assets | 34.3106% | 6,277 |
| Net loans and leases to deposits | 37.7498% | 6,375 |
| Net loans and leases to core deposits | 38.3940% | 6,405 |
| Total domestic deposits to total assets | 90.8895% | 618 |
| Equity capital to assets | 9.0265% | 5,003 |
| Core capital (leverage) ratio | 8.9473% | 5,084 |
| Tier 1 risk-based capital ratio | 20.6723% | 1,496 |
| Total risk-based capital ratio | 21.5966% | 1,542 |
| Memoranda: | ||
| Average total assets | $38,882,600 | 6,317 |
| Average earning assets | $37,178,200 | 6,248 |
| Average equity | $3,611,000 | 6,414 |
| Average total loans | $13,785,400 | 6,461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1370% | 6,274 |
| Cost of funding earning assets | 0.4318% | 4,489 |
| Net interest margin | 2.7052% | 6,164 |
| Noninterest income to average assets | 0.3924% | 4,591 |
| Noninterest expense to average assets | 3.1969% | 2,378 |
| Loan and lease loss provision to assets | 0.0136% | 4,729 |
| Net operating income to assets | -0.3309% | 6,540 |
| Return on assets (ROA) | -0.2388% | 6,502 |
| Pretax return on assets | -0.1399% | 6,432 |
| Return on Equity (ROE) | -2.5542% | 6,505 |
| Retained earnings to average equity (ytd only) | -2.5542% | 6,315 |
| Net charge-offs to loans | -0.2876% | 6,719 |
| Credit loss provision to net charge-offs | -13.3333% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3310% | 309 |
| Assets per employee ($millions) | 5.5919% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2272% | 1,290 |
| Loan loss allowance to noncurrent loans | 89.8507% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5022% | 2,682 |
| Noncurrent loans to loans | 2.4787% | 1,755 |
| Net loans and leases to total assets | 33.7583% | 6,370 |
| Net loans and leases to deposits | 37.2026% | 6,467 |
| Net loans and leases to core deposits | 38.1081% | 6,498 |
| Total domestic deposits to total assets | 90.7416% | 638 |
| Equity capital to assets | 9.1127% | 5,038 |
| Core capital (leverage) ratio | 9.0928% | 4,978 |
| Tier 1 risk-based capital ratio | 17.2393% | 2,615 |
| Total risk-based capital ratio | 18.3913% | 2,613 |
| Memoranda: | ||
| Average total assets | $39,078,500 | 6,381 |
| Average earning assets | $37,359,000 | 6,315 |
| Average equity | $3,654,000 | 6,481 |
| Average total loans | $13,907,000 | 6,526 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1128% | 6,327 |
| Cost of funding earning assets | 0.4393% | 4,552 |
| Net interest margin | 2.6735% | 6,222 |
| Noninterest income to average assets | 0.0461% | 6,684 |
| Noninterest expense to average assets | 3.2619% | 2,182 |
| Loan and lease loss provision to assets | 0.0205% | 4,488 |
| Net operating income to assets | -0.8244% | 6,722 |
| Return on assets (ROA) | -0.7783% | 6,719 |
| Pretax return on assets | -0.6350% | 6,670 |
| Return on Equity (ROE) | -8.2541% | 6,711 |
| Retained earnings to average equity (ytd only) | -8.2541% | 6,619 |
| Net charge-offs to loans | -0.2422% | 6,713 |
| Credit loss provision to net charge-offs | -23.5294% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3937% | 154 |
| Assets per employee ($millions) | 4.7896% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0776% | 1,682 |
| Loan loss allowance to noncurrent loans | 58.6558% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.9417% | 2,234 |
| Noncurrent loans to loans | 3.5421% | 1,183 |
| Net loans and leases to total assets | 35.4255% | 6,336 |
| Net loans and leases to deposits | 39.0450% | 6,449 |
| Net loans and leases to core deposits | 40.0165% | 6,473 |
| Total domestic deposits to total assets | 90.7300% | 653 |
| Equity capital to assets | 9.1108% | 5,090 |
| Core capital (leverage) ratio | 8.6397% | 5,503 |
| Tier 1 risk-based capital ratio | 19.7961% | 1,768 |
| Total risk-based capital ratio | 20.7172% | 1,841 |
| Memoranda: | ||
| Average total assets | $39,057,000 | 6,434 |
| Average earning assets | $37,329,670 | 6,363 |
| Average equity | $3,683,000 | 6,525 |
| Average total loans | $14,037,670 | 6,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1153% | 6,385 |
| Cost of funding earning assets | 0.4450% | 4,645 |
| Net interest margin | 2.6703% | 6,268 |
| Noninterest income to average assets | 0.4768% | 3,940 |
| Noninterest expense to average assets | 3.0537% | 2,823 |
| Loan and lease loss provision to assets | 0.0406% | 3,921 |
| Net operating income to assets | -0.3121% | 6,582 |
| Return on assets (ROA) | -0.2536% | 6,581 |
| Pretax return on assets | 0.0304% | 6,371 |
| Return on Equity (ROE) | -2.6462% | 6,590 |
| Retained earnings to average equity (ytd only) | -2.6462% | 6,155 |
| Net charge-offs to loans | -0.2832% | 6,760 |
| Credit loss provision to net charge-offs | -40.0000% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6689% | 523 |
| Assets per employee ($millions) | 5.0270% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 1,874 |
| Loan loss allowance to noncurrent loans | 58.7500% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0639% | 2,272 |
| Noncurrent loans to loans | 3.5170% | 1,361 |
| Net loans and leases to total assets | 33.2355% | 6,455 |
| Net loans and leases to deposits | 36.7097% | 6,547 |
| Net loans and leases to core deposits | 37.5808% | 6,576 |
| Total domestic deposits to total assets | 90.5361% | 752 |
| Equity capital to assets | 9.3371% | 5,085 |
| Core capital (leverage) ratio | 9.1462% | 4,643 |
| Tier 1 risk-based capital ratio | 20.7977% | 1,587 |
| Total risk-based capital ratio | 21.7009% | 1,635 |
| Memoranda: | ||
| Average total assets | $39,427,000 | 6,482 |
| Average earning assets | $37,749,000 | 6,410 |
| Average equity | $3,779,000 | 6,562 |
| Average total loans | $14,125,500 | 6,617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 6,242 |
| Cost of funding earning assets | 0.5446% | 4,864 |
| Net interest margin | 3.0411% | 5,949 |
| Noninterest income to average assets | 1.3250% | 879 |
| Noninterest expense to average assets | 3.0531% | 3,082 |
| Loan and lease loss provision to assets | 0.4294% | 1,489 |
| Net operating income to assets | 0.7402% | 3,555 |
| Return on assets (ROA) | 0.8719% | 3,190 |
| Pretax return on assets | 0.8719% | 4,022 |
| Return on Equity (ROE) | 8.7896% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.8770% | 3,467 |
| Net charge-offs to loans | 0.4701% | 2,357 |
| Credit loss provision to net charge-offs | 223.2877% | 1,124 |
| Earnings coverage of net charge-offs (x) | 6.0822% | 2,878 |
| Efficiency ratio | 72.3019% | 3,362 |
| Assets per employee ($millions) | 4.8298% | 2,449 |
| Cash dividends to net income (ytd only)* | 55.8912% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,501 |
| Loan loss allowance to noncurrent loans | 36.2280% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 2.4898% | 1,966 |
| Noncurrent loans to loans | 5.0469% | 784 |
| Net loans and leases to total assets | 37.1034% | 6,363 |
| Net loans and leases to deposits | 42.7303% | 6,435 |
| Net loans and leases to core deposits | 43.8329% | 6,472 |
| Total domestic deposits to total assets | 86.8316% | 2,922 |
| Equity capital to assets | 9.8426% | 4,395 |
| Core capital (leverage) ratio | 9.1984% | 4,582 |
| Tier 1 risk-based capital ratio | 20.2772% | 1,613 |
| Total risk-based capital ratio | 21.1746% | 1,671 |
| Memoranda: | ||
| Average total assets | $37,961,800 | 6,558 |
| Average earning assets | $36,171,200 | 6,498 |
| Average equity | $3,765,800 | 6,617 |
| Average total loans | $15,529,600 | 6,629 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 6,200 |
| Cost of funding earning assets | 0.5670% | 4,943 |
| Net interest margin | 3.1462% | 5,830 |
| Noninterest income to average assets | 1.4464% | 719 |
| Noninterest expense to average assets | 2.9635% | 3,362 |
| Loan and lease loss provision to assets | 0.5045% | 1,212 |
| Net operating income to assets | 0.9737% | 2,640 |
| Return on assets (ROA) | 1.1501% | 2,103 |
| Pretax return on assets | 1.1501% | 3,158 |
| Return on Equity (ROE) | 11.5709% | 1,768 |
| Retained earnings to average equity (ytd only) | 6.2822% | 2,500 |
| Net charge-offs to loans | -0.1185% | 6,889 |
| Credit loss provision to net charge-offs | -1,021.4286% | 6,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7196% | 4,305 |
| Assets per employee ($millions) | 4.7764% | 2,496 |
| Cash dividends to net income (ytd only)* | 45.7047% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1859% | 1,732 |
| Loan loss allowance to noncurrent loans | 265.0794% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 4,442 |
| Noncurrent loans to loans | 0.8246% | 4,768 |
| Net loans and leases to total assets | 39.1144% | 6,341 |
| Net loans and leases to deposits | 43.5947% | 6,525 |
| Net loans and leases to core deposits | 44.6856% | 6,568 |
| Total domestic deposits to total assets | 89.7229% | 989 |
| Equity capital to assets | 10.1332% | 4,309 |
| Core capital (leverage) ratio | 9.3588% | 4,491 |
| Tier 1 risk-based capital ratio | 18.8514% | 2,054 |
| Total risk-based capital ratio | 19.7728% | 2,124 |
| Memoranda: | ||
| Average total assets | $37,792,750 | 6,644 |
| Average earning assets | $35,978,750 | 6,583 |
| Average equity | $3,756,500 | 6,704 |
| Average total loans | $15,761,250 | 6,698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 6,134 |
| Cost of funding earning assets | 0.5968% | 4,930 |
| Net interest margin | 3.2070% | 5,714 |
| Noninterest income to average assets | 1.8006% | 476 |
| Noninterest expense to average assets | 3.0436% | 3,114 |
| Loan and lease loss provision to assets | 0.7596% | 687 |
| Net operating income to assets | 1.0517% | 2,241 |
| Return on assets (ROA) | 1.3173% | 1,547 |
| Pretax return on assets | 1.3173% | 2,495 |
| Return on Equity (ROE) | 13.3405% | 1,270 |
| Retained earnings to average equity (ytd only) | 5.3254% | 3,076 |
| Net charge-offs to loans | -0.1884% | 6,985 |
| Credit loss provision to net charge-offs | -953.3333% | 6,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6915% | 5,134 |
| Assets per employee ($millions) | 4.8241% | 2,397 |
| Cash dividends to net income (ytd only)* | 60.0806% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1178% | 1,956 |
| Loan loss allowance to noncurrent loans | 265.8730% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 4,479 |
| Noncurrent loans to loans | 0.7966% | 4,917 |
| Net loans and leases to total assets | 40.1187% | 6,330 |
| Net loans and leases to deposits | 44.5234% | 6,524 |
| Net loans and leases to core deposits | 45.6214% | 6,589 |
| Total domestic deposits to total assets | 90.1070% | 867 |
| Equity capital to assets | 9.7790% | 4,655 |
| Core capital (leverage) ratio | 9.3756% | 4,326 |
| Tier 1 risk-based capital ratio | 18.3189% | 2,190 |
| Total risk-based capital ratio | 19.2494% | 2,260 |
| Memoranda: | ||
| Average total assets | $37,653,330 | 6,690 |
| Average earning assets | $35,858,670 | 6,628 |
| Average equity | $3,718,000 | 6,751 |
| Average total loans | $15,921,670 | 6,740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 5,892 |
| Cost of funding earning assets | 0.6442% | 4,781 |
| Net interest margin | 3.3113% | 5,433 |
| Noninterest income to average assets | 0.5809% | 3,344 |
| Noninterest expense to average assets | 3.2488% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4841% | 4,894 |
| Return on assets (ROA) | 0.7853% | 3,684 |
| Pretax return on assets | 0.7853% | 4,471 |
| Return on Equity (ROE) | 7.9133% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.9133% | 2,020 |
| Net charge-offs to loans | -0.3506% | 7,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0317% | 1,373 |
| Assets per employee ($millions) | 4.7035% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 5,332 |
| Loan loss allowance to noncurrent loans | 148.0620% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 4,560 |
| Noncurrent loans to loans | 0.8358% | 5,003 |
| Net loans and leases to total assets | 40.5124% | 6,307 |
| Net loans and leases to deposits | 45.0473% | 6,488 |
| Net loans and leases to core deposits | 46.1883% | 6,557 |
| Total domestic deposits to total assets | 89.9330% | 1,122 |
| Equity capital to assets | 9.9235% | 4,227 |
| Core capital (leverage) ratio | 9.4416% | 4,135 |
| Tier 1 risk-based capital ratio | 19.2314% | 1,925 |
| Total risk-based capital ratio | 20.2815% | 1,944 |
| Memoranda: | ||
| Average total assets | $37,183,500 | 6,760 |
| Average earning assets | $35,394,000 | 6,693 |
| Average equity | $3,690,000 | 6,801 |
| Average total loans | $15,973,500 | 6,799 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 5,776 |
| Cost of funding earning assets | 0.7525% | 5,195 |
| Net interest margin | 3.5430% | 4,972 |
| Noninterest income to average assets | 0.7814% | 2,156 |
| Noninterest expense to average assets | 3.4413% | 2,135 |
| Loan and lease loss provision to assets | 1.4436% | 528 |
| Net operating income to assets | -0.4101% | 6,424 |
| Return on assets (ROA) | -0.4101% | 6,473 |
| Pretax return on assets | -0.7509% | 6,625 |
| Return on Equity (ROE) | -3.9410% | 6,467 |
| Retained earnings to average equity (ytd only) | -5.2192% | 6,461 |
| Net charge-offs to loans | 4.0754% | 147 |
| Credit loss provision to net charge-offs | 73.5876% | 4,714 |
| Earnings coverage of net charge-offs (x) | 0.3531% | 5,558 |
| Efficiency ratio | 83.2440% | 1,855 |
| Assets per employee ($millions) | 4.0821% | 3,687 |
| Cash dividends to net income (ytd only)* | -32.4324% | 7,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,919 |
| Loan loss allowance to noncurrent loans | 51.7544% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 3,456 |
| Noncurrent loans to loans | 2.0712% | 3,108 |
| Net loans and leases to total assets | 44.4623% | 6,165 |
| Net loans and leases to deposits | 49.4221% | 6,407 |
| Net loans and leases to core deposits | 50.7046% | 6,493 |
| Total domestic deposits to total assets | 89.9643% | 1,018 |
| Equity capital to assets | 9.9241% | 4,265 |
| Core capital (leverage) ratio | 9.3282% | 4,284 |
| Tier 1 risk-based capital ratio | 17.8771% | 2,237 |
| Total risk-based capital ratio | 18.8012% | 2,331 |
| Memoranda: | ||
| Average total assets | $36,090,600 | 6,795 |
| Average earning assets | $34,151,400 | 6,747 |
| Average equity | $3,755,400 | 6,814 |
| Average total loans | $17,372,600 | 6,786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 5,864 |
| Cost of funding earning assets | 0.7890% | 5,222 |
| Net interest margin | 3.5369% | 5,036 |
| Noninterest income to average assets | 0.7867% | 2,112 |
| Noninterest expense to average assets | 3.4215% | 2,135 |
| Loan and lease loss provision to assets | 0.6049% | 1,627 |
| Net operating income to assets | 0.0816% | 6,003 |
| Return on assets (ROA) | 0.0816% | 6,124 |
| Pretax return on assets | 0.1039% | 6,083 |
| Return on Equity (ROE) | 0.7754% | 6,109 |
| Retained earnings to average equity (ytd only) | -0.0706% | 5,975 |
| Net charge-offs to loans | 2.7442% | 374 |
| Credit loss provision to net charge-offs | 45.0276% | 5,143 |
| Earnings coverage of net charge-offs (x) | 0.5276% | 5,236 |
| Efficiency ratio | 82.8392% | 1,865 |
| Assets per employee ($millions) | 4.0970% | 3,651 |
| Cash dividends to net income (ytd only)* | 109.1033% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,288 |
| Loan loss allowance to noncurrent loans | 20.2952% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 3.7073% | 1,687 |
| Noncurrent loans to loans | 4.9100% | 1,281 |
| Net loans and leases to total assets | 44.4580% | 6,287 |
| Net loans and leases to deposits | 49.7376% | 6,518 |
| Net loans and leases to core deposits | 51.0193% | 6,621 |
| Total domestic deposits to total assets | 89.3852% | 1,204 |
| Equity capital to assets | 10.4331% | 3,788 |
| Core capital (leverage) ratio | 9.9033% | 3,568 |
| Tier 1 risk-based capital ratio | 17.8186% | 2,324 |
| Total risk-based capital ratio | 18.6364% | 2,462 |
| Memoranda: | ||
| Average total assets | $35,928,500 | 6,859 |
| Average earning assets | $33,964,750 | 6,818 |
| Average equity | $3,782,750 | 6,864 |
| Average total loans | $17,587,750 | 6,841 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 5,818 |
| Cost of funding earning assets | 0.8238% | 5,221 |
| Net interest margin | 3.5384% | 4,983 |
| Noninterest income to average assets | 0.7525% | 2,250 |
| Noninterest expense to average assets | 3.3583% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7132% | 3,476 |
| Return on assets (ROA) | 0.7132% | 3,591 |
| Pretax return on assets | 0.7469% | 4,223 |
| Return on Equity (ROE) | 6.7529% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.4768% | 2,699 |
| Net charge-offs to loans | 0.1896% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.8235% | 2,159 |
| Efficiency ratio | 81.8057% | 2,127 |
| Assets per employee ($millions) | 4.0199% | 3,714 |
| Cash dividends to net income (ytd only)* | 18.8976% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 2,462 |
| Loan loss allowance to noncurrent loans | 29.4468% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 4.1765% | 1,523 |
| Noncurrent loans to loans | 6.6784% | 811 |
| Net loans and leases to total assets | 47.6741% | 6,088 |
| Net loans and leases to deposits | 53.5303% | 6,344 |
| Net loans and leases to core deposits | 55.4295% | 6,460 |
| Total domestic deposits to total assets | 89.0600% | 1,500 |
| Equity capital to assets | 10.7742% | 3,203 |
| Core capital (leverage) ratio | 10.2588% | 2,964 |
| Tier 1 risk-based capital ratio | 16.9113% | 2,559 |
| Total risk-based capital ratio | 17.8563% | 2,648 |
| Memoranda: | ||
| Average total assets | $35,613,670 | 6,934 |
| Average earning assets | $33,744,330 | 6,882 |
| Average equity | $3,761,330 | 6,912 |
| Average total loans | $17,931,000 | 6,896 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 5,414 |
| Cost of funding earning assets | 0.8499% | 5,273 |
| Net interest margin | 3.6272% | 4,451 |
| Noninterest income to average assets | 0.7359% | 2,350 |
| Noninterest expense to average assets | 3.4078% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6906% | 3,548 |
| Return on assets (ROA) | 0.6906% | 3,620 |
| Pretax return on assets | 0.7585% | 4,062 |
| Return on Equity (ROE) | 6.6071% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.6071% | 2,321 |
| Net charge-offs to loans | -0.0884% | 7,051 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7935% | 2,258 |
| Assets per employee ($millions) | 3.9977% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0503% | 2,291 |
| Loan loss allowance to noncurrent loans | 31.0754% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 4.2163% | 1,563 |
| Noncurrent loans to loans | 6.5978% | 889 |
| Net loans and leases to total assets | 48.7312% | 5,987 |
| Net loans and leases to deposits | 54.4622% | 6,256 |
| Net loans and leases to core deposits | 56.3943% | 6,381 |
| Total domestic deposits to total assets | 89.4772% | 1,494 |
| Equity capital to assets | 10.3560% | 3,344 |
| Core capital (leverage) ratio | 10.2875% | 2,815 |
| Tier 1 risk-based capital ratio | 16.7807% | 2,553 |
| Total risk-based capital ratio | 17.7112% | 2,657 |
| Memoranda: | ||
| Average total assets | $35,331,000 | 6,993 |
| Average earning assets | $33,414,000 | 6,940 |
| Average equity | $3,693,000 | 6,959 |
| Average total loans | $18,099,500 | 6,935 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 4,246 |
| Cost of funding earning assets | 0.9882% | 5,747 |
| Net interest margin | 4.0798% | 2,661 |
| Noninterest income to average assets | 0.9447% | 1,683 |
| Noninterest expense to average assets | 3.5456% | 2,062 |
| Loan and lease loss provision to assets | 0.7316% | 2,245 |
| Net operating income to assets | 0.3564% | 4,719 |
| Return on assets (ROA) | 0.5069% | 4,225 |
| Pretax return on assets | 0.6538% | 4,149 |
| Return on Equity (ROE) | 4.6512% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.0655% | 3,708 |
| Net charge-offs to loans | 0.6375% | 3,107 |
| Credit loss provision to net charge-offs | 209.9174% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.4215% | 3,374 |
| Efficiency ratio | 74.8328% | 3,232 |
| Assets per employee ($millions) | 3.8537% | 4,125 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 2,344 |
| Loan loss allowance to noncurrent loans | 51.7832% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.9899% | 2,352 |
| Noncurrent loans to loans | 3.8308% | 1,924 |
| Net loans and leases to total assets | 51.7141% | 5,954 |
| Net loans and leases to deposits | 57.8992% | 6,266 |
| Net loans and leases to core deposits | 60.0368% | 6,389 |
| Total domestic deposits to total assets | 89.3175% | 1,486 |
| Equity capital to assets | 10.5527% | 3,101 |
| Core capital (leverage) ratio | 10.4039% | 2,665 |
| Tier 1 risk-based capital ratio | 16.2491% | 2,635 |
| Total risk-based capital ratio | 17.1830% | 2,737 |
| Memoranda: | ||
| Average total assets | $34,719,400 | 7,050 |
| Average earning assets | $32,280,800 | 7,007 |
| Average equity | $3,784,000 | 7,064 |
| Average total loans | $18,980,600 | 6,979 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 4,113 |
| Cost of funding earning assets | 1.0201% | 5,845 |
| Net interest margin | 4.1219% | 2,527 |
| Noninterest income to average assets | 0.9444% | 1,633 |
| Noninterest expense to average assets | 3.4207% | 2,233 |
| Loan and lease loss provision to assets | 0.9752% | 1,531 |
| Net operating income to assets | 0.3647% | 4,910 |
| Return on assets (ROA) | 0.6565% | 3,784 |
| Pretax return on assets | 0.6565% | 4,400 |
| Return on Equity (ROE) | 5.9761% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.9279% | 3,042 |
| Net charge-offs to loans | 0.3760% | 3,799 |
| Credit loss provision to net charge-offs | 470.3704% | 632 |
| Earnings coverage of net charge-offs (x) | 6.4628% | 2,521 |
| Efficiency ratio | 71.8548% | 3,730 |
| Assets per employee ($millions) | 3.9343% | 3,966 |
| Cash dividends to net income (ytd only)* | 17.5446% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 1,744 |
| Loan loss allowance to noncurrent loans | 98.8506% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 3,236 |
| Noncurrent loans to loans | 2.2544% | 3,383 |
| Net loans and leases to total assets | 53.2802% | 5,949 |
| Net loans and leases to deposits | 59.9644% | 6,317 |
| Net loans and leases to core deposits | 62.1226% | 6,457 |
| Total domestic deposits to total assets | 88.8531% | 1,479 |
| Equity capital to assets | 10.9097% | 3,043 |
| Core capital (leverage) ratio | 10.4523% | 2,742 |
| Tier 1 risk-based capital ratio | 16.3152% | 2,629 |
| Total risk-based capital ratio | 17.3181% | 2,678 |
| Memoranda: | ||
| Average total assets | $34,728,500 | 7,139 |
| Average earning assets | $32,152,750 | 7,092 |
| Average equity | $3,815,000 | 7,142 |
| Average total loans | $19,151,000 | 7,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 3,784 |
| Cost of funding earning assets | 1.0572% | 5,887 |
| Net interest margin | 4.1785% | 2,231 |
| Noninterest income to average assets | 0.8927% | 1,716 |
| Noninterest expense to average assets | 3.2926% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4492% | 994 |
| Return on assets (ROA) | 1.4608% | 1,040 |
| Pretax return on assets | 1.4608% | 1,667 |
| Return on Equity (ROE) | 13.2666% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.2666% | 354 |
| Net charge-offs to loans | 0.0628% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 703 |
| Efficiency ratio | 69.4377% | 4,293 |
| Assets per employee ($millions) | 3.9026% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,521 |
| Loan loss allowance to noncurrent loans | 86.4865% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6940% | 3,899 |
| Noncurrent loans to loans | 1.3742% | 4,648 |
| Net loans and leases to total assets | 53.0251% | 6,105 |
| Net loans and leases to deposits | 59.9035% | 6,421 |
| Net loans and leases to core deposits | 62.0883% | 6,540 |
| Total domestic deposits to total assets | 88.5175% | 1,716 |
| Equity capital to assets | 11.2718% | 2,615 |
| Core capital (leverage) ratio | 10.8564% | 2,361 |
| Tier 1 risk-based capital ratio | 14.9445% | 3,176 |
| Total risk-based capital ratio | 15.8358% | 3,357 |
| Memoranda: | ||
| Average total assets | $34,501,670 | 7,195 |
| Average earning assets | $31,781,670 | 7,167 |
| Average equity | $3,799,000 | 7,181 |
| Average total loans | $19,102,670 | 7,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 3,184 |
| Cost of funding earning assets | 1.1337% | 5,742 |
| Net interest margin | 4.2384% | 1,898 |
| Noninterest income to average assets | 0.9008% | 1,621 |
| Noninterest expense to average assets | 3.2757% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4741% | 936 |
| Return on assets (ROA) | 1.4975% | 971 |
| Pretax return on assets | 1.4975% | 1,528 |
| Return on Equity (ROE) | 13.7671% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.7671% | 533 |
| Net charge-offs to loans | 0.3120% | 3,168 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 1,961 |
| Efficiency ratio | 68.9655% | 4,511 |
| Assets per employee ($millions) | 3.8210% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 5,841 |
| Loan loss allowance to noncurrent loans | 83.0116% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 3,882 |
| Noncurrent loans to loans | 1.3675% | 4,689 |
| Net loans and leases to total assets | 54.4476% | 5,971 |
| Net loans and leases to deposits | 61.3339% | 6,338 |
| Net loans and leases to core deposits | 64.2796% | 6,433 |
| Total domestic deposits to total assets | 88.7726% | 1,632 |
| Equity capital to assets | 11.0093% | 2,750 |
| Core capital (leverage) ratio | 10.7643% | 2,396 |
| Tier 1 risk-based capital ratio | 14.5159% | 3,366 |
| Total risk-based capital ratio | 15.3754% | 3,542 |
| Memoranda: | ||
| Average total assets | $34,191,000 | 7,297 |
| Average earning assets | $31,049,500 | 7,281 |
| Average equity | $3,719,000 | 7,280 |
| Average total loans | $19,230,000 | 7,201 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8383% | 2,491 |
| Cost of funding earning assets | 1.5141% | 5,459 |
| Net interest margin | 4.3242% | 1,648 |
| Noninterest income to average assets | 0.7061% | 2,924 |
| Noninterest expense to average assets | 3.8836% | 1,532 |
| Loan and lease loss provision to assets | 1.7040% | 1,337 |
| Net operating income to assets | -0.5713% | 6,245 |
| Return on assets (ROA) | -1.7478% | 6,994 |
| Pretax return on assets | -2.7865% | 7,232 |
| Return on Equity (ROE) | -15.9148% | 6,984 |
| Retained earnings to average equity (ytd only) | -17.1901% | 6,994 |
| Net charge-offs to loans | 3.8904% | 437 |
| Credit loss provision to net charge-offs | 76.9433% | 6,358 |
| Earnings coverage of net charge-offs (x) | 0.3412% | 5,774 |
| Efficiency ratio | 83.7107% | 2,385 |
| Assets per employee ($millions) | 3.7770% | 4,330 |
| Cash dividends to net income (ytd only)* | -8.0134% | 7,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,484 |
| Loan loss allowance to noncurrent loans | 68.4524% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 4,494 |
| Noncurrent loans to loans | 1.7212% | 4,054 |
| Net loans and leases to total assets | 56.7499% | 5,863 |
| Net loans and leases to deposits | 63.7571% | 6,302 |
| Net loans and leases to core deposits | 73.9998% | 6,530 |
| Total domestic deposits to total assets | 89.0095% | 1,481 |
| Equity capital to assets | 10.7434% | 2,934 |
| Core capital (leverage) ratio | 10.2289% | 2,850 |
| Tier 1 risk-based capital ratio | 13.8662% | 3,589 |
| Total risk-based capital ratio | 14.7764% | 3,750 |
| Memoranda: | ||
| Average total assets | $34,272,200 | 7,309 |
| Average earning assets | $31,173,400 | 7,302 |
| Average equity | $3,763,800 | 7,364 |
| Average total loans | $19,509,600 | 7,224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9074% | 2,418 |
| Cost of funding earning assets | 1.5870% | 5,461 |
| Net interest margin | 4.3204% | 1,677 |
| Noninterest income to average assets | 0.7221% | 2,872 |
| Noninterest expense to average assets | 3.5291% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1143% | 1,695 |
| Return on assets (ROA) | -1.4093% | 7,060 |
| Pretax return on assets | -1.4093% | 6,918 |
| Return on Equity (ROE) | -12.7643% | 7,060 |
| Retained earnings to average equity (ytd only) | -13.6082% | 7,049 |
| Net charge-offs to loans | 0.2461% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 7.9721% | 2,324 |
| Efficiency ratio | 76.0033% | 3,517 |
| Assets per employee ($millions) | 3.8083% | 4,173 |
| Cash dividends to net income (ytd only)* | -6.6117% | 7,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 58.7338% | 5,774 |
| Net loans and leases to deposits | 66.1790% | 6,293 |
| Net loans and leases to core deposits | 77.1184% | 6,552 |
| Total domestic deposits to total assets | 88.7498% | 1,313 |
| Equity capital to assets | 10.9176% | 3,095 |
| Core capital (leverage) ratio | 10.7274% | 2,618 |
| Tier 1 risk-based capital ratio | 14.2650% | 3,403 |
| Total risk-based capital ratio | 15.2376% | 3,509 |
| Memoranda: | ||
| Average total assets | $34,342,000 | 7,371 |
| Average earning assets | $31,169,250 | 7,364 |
| Average equity | $3,791,750 | 7,418 |
| Average total loans | $19,506,750 | 7,288 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 2,611 |
| Cost of funding earning assets | 1.6417% | 5,552 |
| Net interest margin | 4.2518% | 1,812 |
| Noninterest income to average assets | 0.7333% | 2,799 |
| Noninterest expense to average assets | 3.6084% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9836% | 2,167 |
| Return on assets (ROA) | 1.0127% | 2,154 |
| Pretax return on assets | 1.0127% | 2,957 |
| Return on Equity (ROE) | 9.1379% | 2,311 |
| Retained earnings to average equity (ytd only) | 7.8775% | 1,251 |
| Net charge-offs to loans | 0.0313% | 6,023 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 627 |
| Efficiency ratio | 78.5805% | 3,256 |
| Assets per employee ($millions) | 3.9279% | 3,823 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 6,007 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.4454% | 6,162 |
| Net loans and leases to deposits | 63.8508% | 6,576 |
| Net loans and leases to core deposits | 74.4580% | 6,761 |
| Total domestic deposits to total assets | 88.4020% | 1,575 |
| Equity capital to assets | 11.2246% | 2,736 |
| Core capital (leverage) ratio | 12.0794% | 1,800 |
| Tier 1 risk-based capital ratio | 15.6026% | 2,766 |
| Total risk-based capital ratio | 16.5798% | 2,813 |
| Memoranda: | ||
| Average total assets | $34,364,330 | 7,432 |
| Average earning assets | $31,187,000 | 7,431 |
| Average equity | $3,808,330 | 7,472 |
| Average total loans | $19,175,670 | 7,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 3,008 |
| Cost of funding earning assets | 1.7287% | 5,478 |
| Net interest margin | 4.1282% | 2,178 |
| Noninterest income to average assets | 0.6731% | 3,049 |
| Noninterest expense to average assets | 3.5665% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7042% | 3,534 |
| Return on assets (ROA) | 0.7322% | 3,612 |
| Pretax return on assets | 0.9211% | 3,636 |
| Return on Equity (ROE) | 6.6515% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.6515% | 2,347 |
| Net charge-offs to loans | 0.1722% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,065 |
| Efficiency ratio | 80.1061% | 2,805 |
| Assets per employee ($millions) | 3.8154% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1146% | 1,201 |
| Loan loss allowance to noncurrent loans | 39,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 7,657 |
| Noncurrent loans to loans | 0.0053% | 7,563 |
| Net loans and leases to total assets | 53.5164% | 6,525 |
| Net loans and leases to deposits | 60.4546% | 6,859 |
| Net loans and leases to core deposits | 72.4131% | 6,892 |
| Total domestic deposits to total assets | 88.5233% | 1,475 |
| Equity capital to assets | 11.1273% | 2,873 |
| Core capital (leverage) ratio | 12.0240% | 1,893 |
| Tier 1 risk-based capital ratio | 14.6775% | 3,214 |
| Total risk-based capital ratio | 15.6199% | 3,305 |
| Memoranda: | ||
| Average total assets | $33,871,000 | 7,495 |
| Average earning assets | $31,006,000 | 7,475 |
| Average equity | $3,728,500 | 7,547 |
| Average total loans | $18,585,500 | 7,459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1434% | 4,809 |
| Cost of funding earning assets | 1.8885% | 6,759 |
| Net interest margin | 4.2549% | 2,108 |
| Noninterest income to average assets | 0.7981% | 2,524 |
| Noninterest expense to average assets | 3.6566% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7342% | 3,742 |
| Return on assets (ROA) | 0.7213% | 3,627 |
| Pretax return on assets | 0.9932% | 3,403 |
| Return on Equity (ROE) | 6.2197% | 3,853 |
| Retained earnings to average equity (ytd only) | 0.7137% | 4,804 |
| Net charge-offs to loans | 0.5875% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.2885% | 4,441 |
| Efficiency ratio | 78.3407% | 2,865 |
| Assets per employee ($millions) | 3.7114% | 4,150 |
| Cash dividends to net income (ytd only)* | 88.5246% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 944 |
| Loan loss allowance to noncurrent loans | 3,375.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 7,447 |
| Noncurrent loans to loans | 0.0652% | 7,243 |
| Net loans and leases to total assets | 53.8634% | 6,672 |
| Net loans and leases to deposits | 60.6690% | 7,036 |
| Net loans and leases to core deposits | 72.5425% | 7,038 |
| Total domestic deposits to total assets | 88.7824% | 1,120 |
| Equity capital to assets | 10.8852% | 3,131 |
| Core capital (leverage) ratio | 11.8958% | 2,028 |
| Tier 1 risk-based capital ratio | 15.3467% | 2,903 |
| Total risk-based capital ratio | 16.2381% | 2,966 |
| Memoranda: | ||
| Average total assets | $33,828,800 | 7,472 |
| Average earning assets | $30,764,800 | 7,474 |
| Average equity | $3,923,000 | 7,544 |
| Average total loans | $17,703,400 | 7,481 |